Identity Theft Protection Services

Benefits

As our Marketing Partner, you supply common information including name, address, and phone number (email address optional) to create a data profile. The data profile is then compared against our databases to identify suspicious activity and make a personal alert phone call, if necessary.

We do not require an individual to provide personal information such as a Social Security Number or Date of Birth to protect and monitor for suspicious activity.

¹Identity Theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. (AIG). The 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.

Sample Plan

Free Annual Credit Report Access Reminder Service (all 3 bureaus): Provides easy access to federally mandated free credit reports from Experian, Transunion, and Equifax, along with a reminder service to request reports every four months (if consumer's email address is provided).

Identity Risk Scores: A proactive scoring solution based on data, not demographics, to help consumers identify their level of identity theft risk. This is not a credit score or credit rating. A risk score is generated by applying proprietary analytics to 300 billion records (99% of U.S. adult consumers) and thousands of databases to create a risk score between 0 and 999. If relevant information is found that affects risk, the score changes.

First Watch ID (monthly or continuous) Identity Monitoring with Proactive Phone Alerts: Our proprietary algorithms search and monitor thousands of databases and 300 billion records (99% of U.S. adult consumers) searching for suspicious activity that could indicate the beginning steps of identity theft. We do not require a consumer to provide personal information such as a Social Security number or date of birth to protect and monitor for suspicious activity. The consumer supplies common information including name, address and phone number (email address optional) to create a data profile. First Watch then compares that information with our databases to identify suspicious activity and make a personal alert phone call, if necessary.

High Risk Monitoring - Account Activity Alerts: We monitor participating banks, online retailers, telecom providers, health insurers and more looking for suspicious activity that could indicate the beginning steps of identity theft to both the consumer's current accounts and new accounts. These are alerts that typically take place outside of a credit report and expose consumers to financial risk. Once in the secure area, the consumer has the option to enter a Social Security number to activate this benefit. First Watch does not store SSNs or use them for any other purpose.

Credit Monitoring (Single & Triple Bureau) with Email Alerts as Applicable: Monitors and alerts a consumer when certain types of new activity appear on credit file. This includes positive and negative reason codes and Incorporates non-traditional data to expand the scorable population by 30-35M consumers. Considers at least 24 months of credit history (including utilities, rent and telco when available) for increased predictiveness (Single Bureau through TransUnion) Credit Scores & Credit Reports also available.

Dark Web Monitoring: The minimum information needed is the Member's name and email address. For more effective monitoring we also need the Member's postal address and phone number. We scan the internet to find exposed information on the dark web – driver's license, up to 10 credit and debit cards, up to 10 bank accounts, passport, up to 10 phone numbers, up to 10 email addresses, postal address, and medical ID.

Identity Theft Insurance with $0 Deductible – Discovery Based Identity Theft Event*: $25,000 or $1,000,000. This insurance aids in the recovery of a stolen identity by helping to cover expenses normally associated with identity theft. For the $1,000,000 insurance benefit -- coverage for Unauthorized Electronic Funds Transfer (UEFT) is on an occurrence basis.

Fully Managed Identity Restoration – U.S. Based: Should identity theft occur, First Watch does whatever it takes to restore the consumer's name to pre-identity theft status. This benefit has an unlimited service guarantee and will spend whatever it takes in restoring the consumer's identity and good name to a pre-theft status. No sign-up is required for this service.

Social Security Statement Access and Reminder (online only): Provides easy access to online Social Security statements and a reminder tool for consumers to access statements every four months. If unknown income is shown, the consumer may identify that as suspicious activity.

Lost Wallet/Purse: Uses multi-party calls to cancel/reissue credit cards and close bank accounts. We do not ask a consumer to enter personal information such as credit/debit card numbers, driver's license number, and medical health numbers on our website. Instead, we have our Fraud Resolution Specialists provide personal telephone assistance.

Reduced Pre-Approved Credit Offers: Provides access to opt-out of receiving "firm credit card offers" for five years or permanently. We also provide easy access to additional websites to address the problem of unwanted mail/phone calls.

Quarterly Online Newsletter: a quarterly e-newsletter educating consumers on identity theft protection.

Monthly Email If No Suspicious Activity Found (email address required): An email notification sent every 30 days if no suspicious activity is detected.

Additional Services Available

• Custom plans available upon request
• Credit Monitoring, Credit Scores & Credit Reports through TransUnion(R) quoted upon request
• Knowledge-Based Authentication (KBA)

* Identity Theft insurance underwritten by subsidiaries or affiliates of American International Group (AIG), Inc. The description herein is a summary and intended for information purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Watch

First Watch ID was developed to specifically address identity theft and fraud. Using its proprietary algorithms, First Watch ID searches and monitors thousands of databases and 300 billion records (99% of U.S. adult consumers) using data, not demographics, to search for suspicious activity that could indicate the beginning steps of identity theft.

Warn

Proactive and early warning is key to preventing or reducing the damaging effects of identity theft. Proactive and personal phone calls are made to the Member if suspicious activity is detected.

Insure

Identity Theft Reimbursement Insurance¹ offers reimbursement for some of the incurred costs from the efforts made in the restoration of your identity.

This $0 Deductible coverage offers up to $1M in coverage for Identity Theft events, and up to $1M in coverage for Unauthorized Electronic Funds Transfer.²

¹Discovery based event. Identity Theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. (AIG). The 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.

²Occurrence based event.

Restore

The restoration service will do whatever it takes to restore the Member's name to pre-identity theft status. The service will take an "unlimited" amount of time, and spend whatever it takes in restoring the Member's identity and good name to a "pre-theft" status.