ID Watchdog vs Split Duo

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;

Split Duo is the simplest way for two people to share expenses and stay even. No group chats, no spreadsheets, no math — just one shared balance that's always up to date. Built for exactly two: couples, roommates, partners, siblings — anyone who splits life's costs with one other person. WHY SPLIT DUO • One clear balance. Open the app and instantly see who owes who, and how much. • Split it your way. Go 50/50 by default, or drag the slider to any share — Split Duo does the math to the cent. • Snap a receipt. Point your camera at a receipt and AI itemizes it line by line, so you can assign each item to you, them, or split. Reading one costs a credit. • Email one in. Forward a receipt email to your household's private address and it turns up on your balance with the merchant, total and date filled in — for you to check, never added on its own. Also costs a credit. • Settle up in a tap. Request what you're owed on Venmo with a pre-filled note, then mark it paid — partial or full, and always undoable. • See where it goes. Monthly totals broken down by category, plus a full history of every expense and settle-up. • Works without a signal. Add an expense with no connection and it counts in your balance straight away, then uploads itself when you're back on. • Make it yours. Attach receipt photos, add your own categories, and put a face to each name — all free. INTELLIGENCE CREDITS Having AI read a receipt costs one credit, whether you photograph it or email it in. Every household starts with 10, shared between you. Run out and you can buy 50 more for $2.99 or 200 for $9.99 — never a subscription, and they don't expire. Adding an expense by hand is always free. DESIGNED FOR TWO Most split apps make you build a "group" just for two people. Split Duo is made for the two of you from the very first tap — cleaner, faster, and easier to keep even. PRIVATE BY DESIGN Your expenses and receipts stay private to your household. No ads, and we don't sell your data. SPLIT DUO PRO Optional, and a single purchase — never a subscription: • Split Duo on your Apple Watch — log an expense from your wrist, with or without your phone nearby • Spending trends — how your spending is changing, month to month • Recurring expenses — rent, streaming and internet add themselves • Quick add with Siri — log an expense hands free • CSV export for any month • Google Drive backup of your receipts and history • Bring your own AI key for unlimited receipt reading Start free and explore the demo — no account needed. Questions or ideas? We read every note: support@splitduo.app