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IDShield Covered Services <br /> Licensed Private Investigators <br /> Participants have access to consultation services provided by our Licensed Private Investigators. If a participant <br /> experiences an identity theft event, one of our investigators will walk them through their issues with one-on-one <br /> advice tailored to the specific situation. Participants will have access to an assigned and dedicated investigator <br /> throughout the restoration process. All Licensed Private Investigators are licensed in the state of Oklahoma. <br /> Our Investigators'credentials include: <br /> • Fair Credit Reporting Act (FCRA) Certified <br /> • Certified Identity Theft Risk Management Specialist (CITRMS) <br /> • Certified Credit Scoring Specialist(CCSS) <br /> • Certified Credit Report Reviewer(CCRR) <br /> Monitoring and Detection <br /> Address Change Monitoring <br /> IDShield monitors participants'address history in the United States Postal Service through the National Change <br /> of Address database, providing an 18-month snapshot of the nearly 40 million Americans who move each year. <br /> This service scans for change of address requests and sends a notification if participant information appears in <br /> the database. <br /> Application Alerts <br /> For certain types of account applications, third parties will take participants' information, compare it to public <br /> records and return a fraud score. IDShield scans a national ID verification database to determine if a new <br /> account application has been submitted with participants' information. We continuously monitor to see if any <br /> new accounts or transactions appear. <br /> Auto-Monitoring <br /> IDShield's auto-monitoring provides participants with monitoring services directly on the effective date of <br /> the plan. Using the participant's full or partial Social Security Number (SSN), name, address and date of birth <br /> provided at time of enrollment, the participant's identity is automatically monitored. During account activation, <br /> participants are encouraged to provide further information to enable the full monitoring services the plan <br /> provides. To activate their account, participants will be asked two questions about their credit history to <br /> successfully authenticate their account and confirm their identity. <br /> 3 l s <br />