ID Watchdog vs Optum Financial

Help Protect Your Identity, Better Protect Your Family – On the Go In today's digital world, your identity is more vulnerable than ever. The ID Watchdog mobile app from Equifax gives you the power to help you better safeguard your family's personal information, anytime and anywhere. Why choose ID Watchdog? • Real-time alerts: Get instant notifications of suspicious activity for you or your child(ren). • Credit report control: Lock and unlock your Equifax credit report to help prevent unauthorized access. (Some exceptions apply¹) • Comprehensive monitoring: Scans billions of data points for signs of identity theft, even on the dark web. • Family protection: Get personalized plans for adults and special features for children. • Expert help: If you become a victim, a dedicated specialist will personally manage your identity restoration. Key features at your fingertips: • Lock/unlock credit reports: Helps you control who can access your Equifax credit report. • Detailed alerts: Understand the threat and take immediate action with clear guidance. • Child credit lock: Help protect your child's identity from credit fraud. • Credit score tracking: Monitor your VantageScore® and track trends over time. • Dark web monitoring: Add credentials to broaden AI scans and quicker access in case of a lost or stolen wallet • Personalized settings: Tailor your alerts and security preferences. Award-winning protection you can trust: ID Watchdog uses advanced technology and AI to detect potential identity theft, offers powerful tools to help prevent fraud, and provides personalized support if you become a victim. Don't wait until it's too late. Download the ID Watchdog app today and take greater control of your family's identity protection. What You Need to Know The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax®, Experian®, and TransUnion® are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. ¹ If my Equifax credit report is locked, who can access it? Entities that may still have access to your Equifax credit report include: • 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. You may opt out of pre-approved offers by visiting www.optoutprescreen.com;

Managing and paying for eligible health care expenses on the go has never been easier with the Optum Financial mobile app. Designed with unique features like receipt capture and e-sign dependent care certification, you can easily manage account details, access transaction history and view balances - giving you maximum control over you accounts and healthcare finances. Mobile features include: • Access to view and manage all Optum Financial benefit accounts • View account balances and transaction history • Pay providers or reimburse yourself for qualified out-of-pocket expenses • View and manage claims • Receive smart in-app alerts for claims requiring attention • Capture and upload claims documentation through photo capture technology • Quick access to previously submitted documentation • Connect with a live customer care representative via mobile chat 24/7 • Manage account preferences and add account users • Access eligible expenses listing Access Instructions You will need to have an Optum Financial or ConnectYourCare health account to use this app. If you are an Optum Financial or ConnectYourCare customer and need to update your account credentials, please visit www.optumfinancial.com. ABOUT OPTUM FINANCIAL: Optum Financial is advancing the way account holders save and pay for care, connecting the worlds of health and finance in ways that no one else can. Optum Financial is the #1 ranked health accounts administrator with over $17.7B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Financial helps reduce costs while helping people make better health decisions– creating a better health care experience for our customers.