Features That Help You Safeguard Your Identity

With ID Watchdog

, you get a wide range of powerful identity protection features and

services, all at an affordable price. See your benefits summary for more details.

Control & Ma

nage

Credit Report Lock

Lock or unlock access to your Equifax

credit report through

your ID Watchdog account, with certain exceptions.

Blocked Inquiry Alerts

Notifies you in near real-time when a business or lender tries to

access your Equifax credit report while it’s locked or frozen.

Child Credit Lock

Activate a Child Credit Lock for your minor child to help better

protect against credit fraud in their name by creating an Equifax

credit report for your child, then locking it to prevent access to it

by potential lenders and creditors.

Financial Accounts Monitoring

Set custom alert triggers for credit card, checking, savings, and

investment accounts so you can monitor account balances and

transactions and watch for signs of fraudulent activity.

Social Account Monitoring

Notifies you of potential cyberbullying or reputation-damaging

information directed at you or your family on social media.

Registered Sex Oender Reporting

Searches for sex offenders in your area, and alerts you when

offenders move into or out of the neighborhood.

Customizable Alert Options

Set your preferences, and receive alerts via email, text message,

phone call, or mobile app push notification. Family plan members

can opt to share their alerts with other adult family members.

National Provider ID Alerts (for healthcare providers)

Monitors the National Provider Identifier (NPI) database and

alerts you of changes associated with your NPI number.

Monitor & Detect

Credit Report Monitoring

Monitors your credit report from all three nationwide credit

bureaus (Equifax, TransUnion

, Experian

)

and provides alerts

of activity, which if unexpected, could be a sign of potential fraud.

Child Credit Monitoring

Scans the Equifax credit database for a child’s Social Security

number and alerts you if a credit file potentially exists o

r is

created under your child’s identity.

Identity Profile Report

Provides up to a 30-year look back of verified and unverified

records associated with your identity to establish your baseline

identity profile for future monitoring.

Data Breach Notifications

Alerts you if your personal information has been associated with a

reported data breach or was detected through our dark web scans.

High-Risk Transactions Monitoring

Alerts you if we detect in the monitored network,

a high-risk

validation performed by a financial institution using your identity.

Subprime Loan Monitoring

Monitors your identity and sends an alert if we detect new

specialty finance activity in the monitored network

using your

identity including payday, subprime, high-cost installment, rent-to-

own, and other loans outside of the traditional banking system.

Public Records Monitoring

Scours billions of public records and other databases, including

licenses and certifications, to search for new names or addresses

associated with your identity which, if unexpected, could be a sign

of a potential identity theft.

USPS Change of Address Monitoring

Monitors the United States Postal Service (USPS) National Change

of Address database for addresses associated with your name

and detects the rerouting of your mail to a new address in case it

was done without your knowledge.

(1)Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at

any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like ID Watchdog, which provide you with access

to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit

report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in

connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship

with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting

credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of

pre-approved offers, visit www.optoutprescreen.com. (2)Monitoring from TransUnion and Experian will take several days to begin. (3)The monitored network does

not cover all businesses or transactions.

Helps better protect children

Monitor & Detect (cont.)

Dark Web Monitoring

Scans websites, chat rooms, and other forums

known for

tracking stolen personal and nancial information for

compromised credentials, including Social Security numbers.

Credit Report(s) & VantageScore Credit Score(s)

Update your VantageScore

3.0 credit score based on Equifax

data monthly.

By following your credit score, you can gain insight

into how it changes over time. Refresh your Equifax 1-Bureau

credit report monthly.

Credit Score Tracker

Stay up-to-date on your VantageScore 3.0 credit score based on

Equifax data with monthly tracking.

Support & Restore

Fully Managed Resolution Services including

Pre-Existing Conditions

Assigns one of our highly trained and certied resolution

specialists to your identity theft case—your case is fully

managed until it is resolved. Includes full service resolution for

pre-existing identity theft regardless of when it occurred.

Online Resolution Tracker

View the status of your open identity theft case and keep track

of the communication with your assigned certied resolution

specialist through your online dashboard.

Identity Theft Insurance

Up to $1 Million identity theft insurance

that provides

reimbursement for certain out-of-pocket costs related to the

recovery of your identity.

Lost Wallet Vault & Assistance

Assists you with cancelling and replacing the wallet contents

added to Dark Web Monitoring (e.g., credit and debit cards

and government-issued identication) in the event of a lost or

stolen wallet.

Deceased Family Member Fraud Remediation

Resolves the identity theft, if necessary, of an enrolled family

member who passes away.

Credit Freeze Assistance

If you have been a victim of identity theft, our Resolution Team

can work with you on the steps you need to take to freeze your

credit reports at each of the three nationwide credit bureaus.

What You Need to Know

The credit scores provided are based on the VantageScore 3.0 model. Any one-bureau VantageScore uses

Equifax data. Third parties use many dierent types of credit scores and are likely to use a dierent type of

credit score to assess your creditworthiness.

Helps better protect children

(4)Dark Web Monitoring scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold, and is constantly

adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change,

so there is no guarantee that ID Watchdog is able to locate and search every possible internet site where consumers’ personal information is at risk of being

traded.

(5)The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please

refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of

Benefits (www.idwatchdog.com/terms/insurance).