Identity Protection Featuring IBM Watson AI

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1 Identity Protection Featuring IBM Watson AI

2 Those risks change as technology evolves. For your identity protection to keep up, it should be evolving, too. Identity Guard is leading the innovation of identity protection to bring you early detection, which is essential when your personal information is compromised. Identity Guard is the first identity theft protection service to partner with IBM Watson to help protect you with advanced AI that is constantly learning. Our alerts are so fast that they arrive in as few as 3 seconds, buying you time when it really counts. Our diligence in monitoring your financial accounts expands into larger types of identity protection: comprehensive monitoring of your self-reported behavioral, social, and professional data; insights into social media activity; expanded financial account monitoring, and even more features on the near horizon as our products continue to grow with technology. THE MAJORITY of digital information about you is unstructured and never gets monitored by traditional identity protection. CREDIT DATA is most useful when it s complete, well-sourced, and delivered rapidly.

3 There is monitoring, and then there is MONITORING Many services claim to be comprehensive. But what exactly are they monitoring? We monitor your structured credit data using: ID verifications at all 10 of the top 10 banks Twice the coverage for credit alerts in as few as 3 seconds A direct pipeline to all 3 major credit bureaus Most identity protection solutions monitor credit data, but not all companies search like we do. Our large number of high-quality sources alert you as early as possible, often providing an alert in as little as 3 seconds. PCI COMPLIANT Verified data security. Our company developed data compliance meticulous enough to protect top financial institutions. We re just as relentless about your data security. Each year, we achieve a 100% pass rate from dozens of rigorous audits as we continue our PCI compliance. Your information security deserves nothing less. REAL INSURANCE Not just a service guarantee. In the aftermath of identity theft, it s stressful to prove to a third-party company that certain expenses were reasonable and necessary, hoping that they ll approve your reimbursements under a mere service guarantee. That s why Identity Guard covers you with real insurance. Take confidence in our robust policies from insurance giant AIG, which provides up to $1 million for your covered losses which include stolen funds. 1 1 Identity Theft Insurance underwritten by insurance company description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies described. Please refer to the actual policies for terms conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

4 Identity Protection HAS CHANGED THREAT ALERTS: Don t wait until after the fact. Have Watson scan millions of news articles, blogs, and posts daily to warn you of emerging threats such as data breaches, software vulnerabilities, and dangerous online habits. Get proactive alerts with action steps even when you have not actually experienced identity theft. Identity Guard is the first identity protection to use IBM Watson, reaching huge technology milestones: use advanced artificial intelligence monitor massive unstructured data tackle cyberbullying How does Watson change identity protection? Most data about you is unstructured, but important: it includes your online reputation, news articles about companies you have accounts or medical records with, flaws in the software on your phone, and much more. Traditional identity protection services can t monitor this unstructured data. And there s simply too much data to keep up with by yourself. With Watson, your Identity Guard plan analyzes millions of sources of data on your behalf. You can spend your time your way: when we detect a potential threat that is relevant to your profile, we ll send you a preventative alert with easy-to-follow action steps, so you ll know what to do and when to do it. SOCIAL INSIGHTS: Not all potentially identity-damaging experiences are financial. Your online image can affect job offers, business partnerships, and social connections even if it s content you didn t post and may not be aware of. Identity Guard uses Watson to monitor the mass of social media that pertains to you. You get specially designed controls to assess your online image, target content you may not want to be visible, and easily make deletions to help refine your online image. CYBERBULLYING: We help you protect your kids from cyberbullying. Watson discreetly monitors social media posts for the family members you designate on your account, so you don t have to read every post they send and receive. The powerful natural language processing in this artificial intelligence pinpoints when a post may be cyberbullying. You ll get an alert when we detect a problem so you can intervene quickly.

5 EMPLOYEE BENEFIT PLANS PREMIER Get the maximum benefit of our most comprehensive suite of proactive IBM Watsonpowered monitoring and risk management tools. TOTAL Extra protection from IBM Watson for those with more to protect financially and physically. VALUE Experience the difference IBM Watson makes in identity protection. Stay more informed with your upgrade to a 3-bureau credit report in addition to a monthly VantageScore credit score 1, and all the financial monitoring services in Identity Guard Total. Get timely cyberbullying alerts when Watson detects a problem affecting your children online (as part of our family plan; available for children aged years). Take control over your own online image using Social Insights, even for content you didn t post. Includes $1 million insurance 2 with stolen fund reimbursements, geo-located crime and sex offender alerts 3, and other features of Identity Guard Total. As a constantly evolving artificial intelligence, IBM Watson is always learning and improving its responses to emergent threats as our digital landscape changes. Get the security of additional types of monitoring to help protect your accounts and yourself. Adds bank account monitoring, a VantageScore credit score 1, and 3-bureau credit monitoring to the financial services in Identity Guard Value to help you stay more vigilant. Help stay safe with timely Watson alerts about reported crimes and sex offenders that are geo-located near you. 3 Includes $1 million insurance 2 with stolen fund reimbursements and all other features of Identity Guard Value. Watson monitors millions of unstructured data sources that traditional identity protection services ignore. Get alerted if Watson detects previously stolen information about you on the dark web. Arm yourself with proactive threat alerts, authentication alerts, and your individual risk assessment score to help stay ahead of threats. Includes protective software tools and $1 million insurance 2 with stolen fund reimbursements, just in case. 1 The credit score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit. 2 See insurance disclosure on page 2. 3 Available in 2018, dates are subject to change.

6 Financial Wellness Offering identity theft protection as part of your voluntary benefits plan allows you to provide a highly valued service to your employees one that can reduce the risk of productivity losses. while limiting the risk of financial and emotional damage to your employees and their families. Great for your employees Great for your business Innovative identity protection from a technology leader Adds a critical layer of protection to your employees Help reduce employee stress and absenteeism from identity theft In case of identity theft, a dedicated, U.S.-based case manager to see employees through to resolution Individual and family plans enable your employees to choose their level of protection Affordable plans with robust benefits Help attract and retain valuable employees with an in-demand benefit Help reduce company liability in case of a data breach Simple to administer with little effort Write off the expense as a non-taxable benefit Multiple options available so you can build an enterprise solution right for you Available portal to make self-service even easier Protect any number of employees; no minimums or maximums

7 White Glove Resolution If you do experience identity theft, you deserve the dedication of an expert who will personally see you through to the resolution of the problem. Identity Guard offers this and more. Your U.S.-based expert takes responsibility for supporting you through the entire process. Through familiarity with your individual case, high levels of specialized training, and greater tenure on the job, your dedicated expert will personally journey with you to the end of your resolution and restoration process. Experience you can rely on: Identity Guard case managers have held their jobs for an average of 4.5 years, which is over twice the national average. Exploring Call Center Turnover Numbers, 2015, United States Bureau of Labor Statistics And if you still experience identity theft, you ll get a dedicated case manager from start to finish.

8 Identity Guard helps you protect your personal information in a continuously evolving digital world. As a leader in identity protection, we were the industry s first to implement advanced artificial intelligence to heighten your identity protection. We don t wait for theft to occur: we specialize in proactive alerts by monitoring an enormous array of digital data using state-of-the-art software and partnerships with top banks and credit bureaus. With the expert service of our 100% U.S.-based case managers, Identity Guard is well-equipped to help you recover from identity theft. EXPERIENCE MATTERS: FROM THE COMPANY THAT HAS YEARS AND COUNTING ONLINE TRUST ALLIANCE HONOR ROLL K Identity Fraud Cases Resolved Million People Protected Years of Experience