ID Watchdog vs BrightPlan

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;

Take control of your finances with BrightPlan for personalized financial guidance, smarter decision-making, and a plan tailored to your unique goals. As an employer-provided benefit, BrightPlan helps you make confident financial decisions, reduce financial stress, and get more value from the benefits available to you. BrightPlan’s offerings may vary by country and employer. Learn: BrightPlan Academy delivers personalized educational resources, including articles and live/on-demand sessions, tailored to your financial needs. Get relevant guidance that helps you take action—without product sales or commissions. Plan: You're not alone. BrightPlan’s AI-powered Financial Wellness Coach™ provides personalized, 24/7 guidance to help you make informed financial planning decisions, stay on track with your goals, and take meaningful action with confidence. Manage: Get a complete view of your financial life in one place. Track your budget, monitor spending, organize your accounts, and stay connected to your financial goals with personalized insights. Invest: BrightPlan provides goals-based investment guidance tailored to your personal risk tolerance, timeline, and financial objectives to help you make informed investment decisions. Secure: Your privacy comes first. BrightPlan keeps your financial information private and secure—it is never shared with your employer, sold to third parties, or used for marketing. We follow industry best practices and maintain rigorous security certifications to protect your data. Fiduciary Excellence: BrightPlan is a registered investment adviser and is legally required to act in your best interests. Disclaimers: BrightPlan LLC is an SEC registered investment adviser that may offer investment advice to U.S. residents. Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC. BrightPlan is neither registered with any international agency to provide, nor does it provide, any investment advice to non-U.S. residents. By using this application, you accept our Terms of Service (https://www.brightplan.com/terms-of-service), Privacy Notice (https://www.brightplan.com/privacy-policy) and, in the United States, Investment Advisory Agreement (https://www.brightplan.com/investment-advisory-agreement). © 2026 BrightPlan LLC