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Continuous Credit Monitoring <br />Participants have access to continuous 3B credit monitoring under this plan, Lenders, creditors and many businesses <br />check and submit data togo on credit reports. If changes or inquiries are made, participants will receive an instantalert. <br />IDShield continuously monitors the participant's credit bureau report(s) for the following: <br />• Delinquent Account <br />• New Address <br />• New Tradeline <br />• Settlement <br />• CardOverLimit <br />• Lost or Stolen Card <br />Monthly Credit Score Tracker <br />• Participant Noted as Deceased <br />• Fraud or Victim Statement <br />• Bankruptcy <br />• Liens andludgements <br />• New Employment <br />• New Collection <br />The credit score tracker gives participants the ability to watch theirTransUnion credit score on a monthly basis with a <br />map that shows a 12-month historic viewof their credit trends from the pastyear— beginning when the service was fi rst <br />activated. <br />Financial Account Monitoring and Alerts <br />IDShieldmonitors partcipants'financialaccounts including credit cards, checking, savings, 401kaccounts, loansand <br />more for any discrepancies. Participants will receive alerts notifying them of financial withdrawals, balance transfers and <br />large purchases on financial accounts, if a transaction is made outside of a set monetary amount. <br />High Risk Application and Transaction Monitoring <br />Financial institutions use specific technology to verify the identity of new account holders before processing high - <br />risk transactions. IDShield monitors these processes to determine if details fora new bank accountor large money <br />transfer are associated with a participant's personal data. Ourapplication and transaction monitoring can potentially <br />catch identitytheft90 days faster than traditional credit monitoring alone. Furthermore, IDShield can bettersecure a <br />participant's online financial records by monitoring unauthorized use of username and password combinations used for <br />online banking or insurance accounts. This service monitors processes related to: <br />• Instant Credit Applications <br />• Financial AccountUpdates <br />• Credit Line Increases <br />• Money Transfers <br />• Activity on New Accounts <br />Public Records Monitoring <br />• Customer PaymentActivity <br />• Online W-2Access <br />• Online Prescription Management <br />• Fund Transfers <br />IDShield monitors over 78 billion public record reports from more than 10,000 diverse sources to screen for 34 <br />different pieces of PIT —including name, address, phone number, email, SSN and more. The records contain the public, <br />private and regulated data of over 283 million U. S, consumers which are checked for matches of participant information. <br />These reports include details on: <br />• Bankruptcy • Tax Assessor Records <br />• Motor Vehicle Records • Residencies <br />• Driver's LicenseRecords • Lease History <br />• Criminal Records • Registrations <br />• Business Licenses 0 Deeds <br />