Reference Guide

We encourage affected individuals to take the following steps:

Register for Experian IdentityWorks Services

We have arranged with Experian to offer complimentary identity protection and credit monitoring services to affected individuals for two years. These Experian IdentityWorks services include:

Experian Credit Report at Sign-Up: See what information is associated with your credit file. Daily credit reports are available for online members only*.
Credit Monitoring: Monitors Experian file for indicators of fraud.
Internet Surveillance: This technology searches the web, chat rooms and bulletin boards to identify trading or selling of your personal information on the Dark Web.
Identity Restoration: Identity Restoration agents are available to help you address credit and non-credit related fraud.
Experian IdentityWorks ExtendCARE^TM: Continue to receive Identity Restoration support after your Experian IdentityWorks membership has expired.
$1 Million Identity Theft Insurance**: Provides coverage for certain costs and unauthorized electronic fund transfers.

To activate your membership, please follow the steps below:

Enroll by: September 30, 2025 by 11:59 p.m. UTC (Your code will not work after this date.)
Visit the Experian IdentityWorks website to enroll: www.experianidworks.com/plus
Provide your activation code: RJ24TC2F8D

If you have questions about the services, need assistance with identity restoration, or would like an alternative to enrolling in Experian IdentityWorks online, please contact Experian’s customer care team by September 30, 2025 at 1-833-931-3792, Monday – Friday, 9 a.m. to 9 p.m. Eastern time (excluding major U.S. holidays). Please be prepared to provide engagement number B146471 as proof of eligibility for the identity restoration services offered by Experian.

* Offline members will be eligible to call for additional reports quarterly after enrolling.
** The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Order Your Free Credit Report

You are entitled under U.S. law to one free credit report annually from each of the three nationwide consumer reporting agencies. To order your free credit report, visit www.annualcreditreport.com, call toll-free at 1-877-322-8228, or complete the Annual Credit Report Request Form on the U.S. Federal Trade Commission’s (“FTC’s”) website at www.consumer.ftc.gov and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you receive your credit report, review it carefully. Look for accounts you did not open. Look in the “inquiries” section for names of creditors from whom you have not requested credit. Some companies bill under names other than their store or commercial names. The consumer reporting agency will be able to tell you when that is the case. Look in the “personal information” section for any inaccuracies in your information (such as home address and Social Security number). If you see anything you do not understand, call the consumer reporting agency at the telephone number on the report. Errors in this information may be a warning sign of possible identity theft. You should notify the consumer reporting agencies of any inaccuracies in your report, whether due to error or fraud, as soon as possible so the information can be investigated and, if found to be in error, corrected. If there are accounts or charges you did not authorize, immediately notify the appropriate consumer reporting agency by telephone and in writing. Consumer reporting agency staff will review your report with you. If the information cannot be explained, then you will need to call the creditors involved for an explanation. Information that cannot be explained also should be reported to your local police or sheriff’s office because it may signal criminal activity.

Report Incidents

We encourage you to remain vigilant for incidents of fraud and identity theft by reviewing your financial account statements as well as monitoring your free credit reports. If you detect any unauthorized transactions in a financial account, promptly notify the relevant financial institution. If you detect any incident of identity theft or fraud, promptly report the incident to law enforcement, your state Attorney General or the FTC. If you believe your identity has been stolen, the FTC recommends that you take these steps:

Close the accounts that you have confirmed or believe have been tampered with or opened fraudulently. For streamlined checklists and sample letters to help guide you through the recovery process, please visit www.identitytheft.gov.
File a local police report. Obtain a copy of the police report and submit it to your creditors and any others that may require proof of the identity theft crime.

You can contact the FTC to learn more about how to protect yourself from becoming a victim of identity theft and how to repair identity theft:

Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
1-877-IDTHEFT (438-4338)
www.identitytheft.gov

Consider Placing a Fraud Alert on Your Credit File

To protect yourself from possible identity theft, consider placing a fraud alert on your credit file. A fraud alert helps protect you against the possibility of an identity thief opening new credit accounts in your name. When a merchant checks the credit history of someone applying for credit, the merchant gets a notice that the applicant may be the victim of identity theft. The alert notifies the merchant to take steps to verify the identity of the applicant. You can place a fraud alert on your credit report by calling any one of the toll-free numbers provided below. You will reach an automated telephone system that allows you to flag your file with a fraud alert at all three consumer reporting agencies. For more information on fraud alerts, you also may contact the FTC, as described above.

Equifax	Equifax Information Services LLC P.O. Box 105069 Atlanta, GA 30348-5069	1-800-525-6285	www.equifax.com
Experian	Experian Inc. P.O. Box 9554 Allen, TX 75013	1-888-397-3742	www.experian.com
TransUnion	TransUnion LLC P.O. Box 2000 Chester, PA 19016	1-800-680-7289	www.transunion.com

Consider Placing a Security Freeze on Your Credit File

You may wish to place a “security freeze” (also known as a “credit freeze”) on your credit file. A security freeze is designed to prevent potential creditors from accessing your credit file at the consumer reporting agencies without your consent. Unlike a fraud alert, you must place a security freeze on your credit file at each consumer reporting agency individually. There is no charge to place or lift a security freeze. For more information on security freezes, you may contact the three nationwide consumer reporting agencies or the FTC as described above. As the instructions for establishing a security freeze differ from state to state, please contact the three nationwide consumer reporting agencies to find out more information.

The consumer reporting agencies may require proper identification prior to honoring your request. For example, you may be asked to provide:

Your full name with middle initial and generation (such as Jr., Sr., II, III)
Your Social Security number
Your date of birth
Addresses where you have lived over the past five years
A legible copy of a government-issued identification card (such as a state driver’s license or military ID card)
Proof of your current residential address (such as a current utility bill or account statement)

For Iowa Residents

You may contact law enforcement or the Iowa Attorney General’s Office to report suspected incidents of identity theft. This office can be reached at:

Office of the Attorney General of Iowa
Hoover State Office Building
1305 E. Walnut Street
Des Moines, IA 50319
515-281-5164
www.iowaattorneygeneral.gov

For Maryland Residents

You can obtain information from the Maryland Office of the Attorney General about steps you can take to avoid identity theft. You can contact the Maryland Office of the Attorney General at:

Maryland Office of the Attorney General
Consumer Protection Division
200 St. Paul Place
Baltimore, MD 21202
888-743-0023 (toll-free in Maryland)
410-576-6300
www.marylandattorneygeneral.gov

For Massachusetts Residents

You have the right to obtain a police report and request a security freeze as described above. The consumer reporting agencies may require that you provide certain personal information (such as your name, Social Security number, date of birth and address) and proper identification (such as a copy of a government-issued ID card and a bill or statement) prior to honoring your request to place a security freeze on your account.

For New Mexico Residents

You have rights under the federal Fair Credit Reporting Act (“FCRA”). These include, among others, the right to know what is in your file; to dispute incomplete or inaccurate information; and to have consumer reporting agencies correct or delete inaccurate, incomplete, or unverifiable information. For more information about the FCRA, please visit https://files.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf or www.ftc.gov.

For New York Residents

You can obtain information from the New York State Office of the Attorney General about how to protect yourself from identity theft and your privacy online. You can contact the New York State Office of the Attorney General at:

Office of the Attorney General
The Capitol
Albany, NY 12224-0341
1-800-771-7755 (toll-free)
1-800-788-9898 (TDD/TTY toll-free line)
https://ag.ny.gov/

Bureau of Internet and Technology (“BIT”)
28 Liberty Street
New York, NY 10005
212-416-8433
https://ag.ny.gov/resources/individuals/consumer-issues/technology

For North Carolina Residents

You can obtain information from the North Carolina Attorney General’s Office about preventing identity theft. You can contact the North Carolina Attorney General at:

North Carolina Attorney General’s Office
9001 Mail Service Center
Raleigh, NC 27699-9001
877-566-7226 (toll-free in North Carolina)
919-716-6400
www.ncdoj.gov

For Oregon Residents

We encourage you to report suspected identity theft to the Oregon Attorney General at:

Oregon Department of Justice
1162 Court Street NE
Salem, OR 97301-4096
877-877-9392 (toll-free in Oregon)
503-378-4400
www.doj.state.or.us

For Rhode Island Residents

You may obtain information about preventing and avoiding identity theft from the Rhode Island Office of the Attorney General at:

Rhode Island Office of the Attorney General
Consumer Protection Unit
150 South Main Street
Providence, RI 02903
401-274-4400
www.riag.ri.gov

You have the right to obtain a police report and request a security freeze as described above. The consumer reporting agencies may require that you provide certain personal information (such as your name, Social Security number, date of birth, and address) and proper identification (such as a copy of a government-issued ID card and a bill or statement) prior to honoring your request for a security freeze on your account.

For Washington, D.C. Residents

You may obtain information about preventing and avoiding identity theft from the Office of the Attorney General for the District of Columbia at:

400 6th Street NW
Washington, D.C. 20001
202-727-3400
www.oag.dc.gov