IDENTITY RECOVERY SERVICES

All named account holders on covered accounts and their 3G family members have access to the services described below.

The benefits are already working for you without any additional registration.

Fully Managed Identity Theft Recovery

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated Recovery Advocates are standing by and depending on your identity fraud incident, will be prepared to:

• Perform research to determine the extent of the problem, including a review of your credit report

• Provide instruction for the placement of fraud alerts and credit freezes with the three major credit bureaus

• Write letters and make calls on your behalf to dispute fraudulent information

• Coordinate with government agencies, financial institutions, creditors, and others to resolve incidents

• Create and then maintain a case file to assist law enforcement in the prosecution of the perpetrators

• Request the removal of fraudulent records to assist in recovering your identity to pre-theft status

This service covers all types of identity theft, even if it is not related to your account with us. This service is available to all persons named on your account and extends to three generations of your family members. Family members include you, your spouse or domestic partner, your dependents with the same permanent address, any IRS-qualified dependents, and your parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services continue up to 12 months after death for all family members.

Lost Document Replacement - If you have an important document that has been lost, stolen or destroyed as a result of an identity theft incident or information compromise (such as a data breach or lost wallet), a professional Recovery Advocate will work with you to replace your missing documents, including credit or debit cards, birth certificate, passport, professional licenses, driver’s license, etc. Your Recovery Advocate also will work with you to contact creditors, cancel the compromised information, and obtain replacement documents.

ENTITLEMENT TO MONITORING SERVICES**

All primary (first named) account holders on covered accounts have access to the services described below.

These benefits are available to you if you choose to register and activate the services.

One Bureau Credit Monitoring

Credit monitoring watches for new credit activity in your TransUnion^® credit file, including credit inquiries, new credit lines, derogatory credit, name changes, and address changes. It provides alerts of changes via email and optional SMS text message so you can confirm whether or not the activity is yours or possible identity theft. Credit monitoring is activated once you complete the registration process.

Monthly Credit Score

A credit score can be a lagging indicator of identity theft if you see unexpected changes in your score’s movement, either up or down. Score Tracker provides a monthly indication of your TransUnion^® credit score and we document the value on a timeline so you may track your score’s movement to alert you to any unexpected activity.

Dark Web Monitoring

The underground internet, also called the deep web or dark web, is where cybercriminals store and sell personal information illegally. Dark Web Monitoring scans this underground economy using sophisticated technology looking for your registered personal information like credit cards, passport, driver’s license, bank accounts, and even email addresses. In the event that any of your information is detected in this environment, you will be alerted, and provided with corrective actions.

This service also provides easy, secure online storage of your credential data for retrieval in the event of theft of a purse or wallet, or home disaster. You can add credentials for monitoring and storage, including:

• Emails

• Usernames

• Credit/debit cards

• Bank accounts

• Phone numbers