Notice of Data Security Incident Roanoke, VA - September 24, 2024 - Retirement Unlimited, Inc. ("RUI") reported a recent data security incident that may have resulted in an unauthorized access to some individuals' sensitive personal information. This notice is intended to alert those individuals of the incident, provide additional details about the incident, steps we are taking in response, and resources available to help you protect against the potential misuse of your information. What Happened? On August 4, 2023, RUI detected unusual activity on one of its email accounts. Upon discovery of this incident, RUI immediately secured the account and promptly engaged a specialized third-party cybersecurity firm to conduct a comprehensive investigation to determine the nature and scope of the incident. The forensic investigation determined that certain files in RUI's email system may have been compromised by an unauthorized actor. The accounts have since been secured and remediated. Based on these forensic findings, RUI began an extensive and comprehensive review of potentially affected files, including data mining, to identify the specific individuals and the types of information that may have been compromised. This review identified that some personal information may have been impacted by this Incident. On September 11, 2024, RUI finalized the list of individuals to notify. This step was necessary so that RUI could send a notice of the incident to ensure the potentially impacted clients are aware of this incident. What Information Was Involved? Although RUI has no evidence that any sensitive information has been misused by third parties as a result of this incident, RUI is notifying you out of an abundance of caution and for purposes of full transparency. The impacted information varied by individual. Based on the investigation, the following information related to the Connecticut Incident impacted individual may have been subject to unauthorized access: name; date of birth, social security number, financial account number, protected health information and user ID and password. We note that the impacted information varied by individual. The affected individuals will be notified by mail of information that was impacted. At this time, RUI has not received any reports of information being misused as a result of the Incident. What Are We Doing? Data privacy and security is among RUI's highest priorities, and RUI is committed to doing everything it can to protect the privacy and security of the personal information in its care. Since the discovery of the incident, RUI moved quickly to investigate, respond, and confirm the security of its systems. Specifically, RUI disconnected all access to our network, reset all passwords, restored operations in a safe and secure mode, strengthened password requirements, strengthened multi-factor authentication usage, enhanced cyber-monitoring security measures, retrained personnel, and took steps and will continue to take steps to mitigate the risk of future harm. What Can You Do? We encourage you to remain vigilant against incidents of identity theft and fraud, to review your account statements, and to monitor your credit reports for suspicious or unauthorized activity. Additionally, security experts suggest that you contact your financial institution and all major credit bureaus to inform them of such a breach and then take whatever steps are recommended to protect your interests, including the possible placement of a fraud alert on your credit file. Please review the enclosed Additional Resources to Help Protect Your Information to learn more about how to protect against the possibility of information misuse. Other Important Information If you have any questions or concerns not addressed in this letter, please call 866-573-9418 (toll free) Monday through Friday, during the hours of 9:00 a.m. and 9:00 p.m. Eastern Standard Time (excluding U.S. national holidays). RUI sincerely regrets any concern or inconvenience this matter may cause, and remains dedicated to ensuring the privacy and security of all information in our control. Sincerely, Michele Thompson Chief Operating Officer Retirement Unlimited, Inc. ADDITIONAL RESOURCES TO HELP PROTECT YOUR INFORMATION Monitor Your Accounts We recommend that you remain vigilant for incidents of fraud or identity theft by regularly reviewing your credit reports and financial accounts for any suspicious activity. You should contact the reporting agency using the phone number on the credit report if you find any inaccuracies with your information or if you do not recognize any of the account activity. You may obtain a free copy of your credit report by visiting www.annualcreditreport.com, calling toll-free at 1-877-322-8228, or by mailing a completed Annual Credit Report Request Form (available at www.annualcreditreport.com) to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. You may also purchase a copy of your credit report for a fee by contacting one or more of the three national credit reporting agencies. You have rights under the federal Fair Credit Reporting Act (FCRA). The FCRA governs the collection and use of information about you that is reported by consumer reporting agencies. You can obtain additional information about your rights under the FCRA by visiting https://www.ftc.gov/legal-library/ browse/statutes/fair-credit-reporting-act. Credit Freeze You have the right to add, temporarily lift and remove a credit freeze, also known as a security freeze, on your credit report at no cost. A credit freeze prevents all third parties, such as credit lenders or other companies, whose use is not exempt under law, from accessing your credit file without your consent. If you have a freeze, you must remove or temporarily lift it to apply for credit. Spouses can request freezes for each other as long as they pass authentication. You can also request a freeze for someone if you have a valid Power of Attorney. If you are a parent/guardian/representative, you can request a freeze for a minor 15 and younger. To add a security freeze on your credit report you must make a separate request to each of the three national consumer reporting agencies by phone, online, or by mail by following the instructions found at their websites (see "Contact Information" below). The following information must be included when requesting a security freeze: (i) full name, with middle initial and any suffixes; (ii) Social Security number; (iii) date of birth (month, day, and year); (iv) current address and any previous addresses for the past five (5) years; (v) proof of current address (such as a copy of a government-issued identification card, a recent utility or telephone bill, or bank or insurance statement); and (vi) other personal information as required by the applicable credit reporting agency. Fraud Alert You have the right to add, extend, or remove a fraud alert on your credit file at no cost. A fraud alert is a statement that is added to your credit file that will notify potential credit grantors that you may be or have been a victim of identity theft. Before they extend credit, they should use reasonable procedures to verify your identity. Please note that, unlike a credit freeze, a fraud alert only notifies lenders to verify your identity before extending new credit, but it does not block access to your credit report. Fraud alerts are free to add and are valid for one year. Victims of identity theft can obtain an extended fraud alert for seven years. You can add a fraud alert by sending your request to any one of the three national reporting agencies by phone, online, or by mail by following the instructions found at their websites (see "Contact Information" below). The agency you contact will then contact the other credit agencies. Federal Trade Commission For more information about credit freezes and fraud alerts and other steps you can take to protect yourself against identity theft, you can contact the Federal Trade Commission (FTC) at 600 Pennsylvania Avenue NW, Washington, DC 20580, www.identitytheft.gov, 1-877-ID-THEFT (1-877-438-4338), TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. You can obtain further information on how to file such a complaint by way of the contact information listed above. You should also report instances of known or suspected identity theft to local law enforcement and the Attorney General's office in your home state and you have the right to file a police report and obtain a copy of your police report. Contact Information Below is the contact information for the three national credit reporting agencies (Experian, Equifax, and TransUnion) if you would like to add a fraud alert or credit freeze to your credit report. Credit Reporting Agency Access Your Credit Report Add a Fraud Alert Add a Security Freeze Experian P.O. Box 2002 Allen, TX 75013-9701 1-866-200-6020 www.experian.com Equifax P.O. Box 105788 P.O. Box 105069 P.O. Box 740241 Atlanta, GA 30348-5788 Atlanta, GA 30348-5069 Atlanta, GA 30374-0241 1-888-298-0045 1-800-525-6285 1-866-349-5191 www.equifax.com/personal/credit-report-services/ www.equifax.com/personal/credit--report-services www.equifax.com credit-fraud-alerts TransUnion P.O. Box 9554 Allen, TX 75013-9554 1-888-397-3742 https://www.experian.com/fraud/center.html P.O. Box 2000 P.O. Box 1000 Chester, PA 19016-1000 Chester, PA 19016 1-800-680-7289 1-800-888-4213 www.transunion.com/fraud-alerts www.transunion.com P.O. Box 9554 Allen, TX 75013-9554 1-888-397-3742 www.experian.com/freeze/center.html P.O. Box 160 Woodlyn, PA 19094 1-800-916-8800 www.transunion.com/credit-freeze Iowa and Oregon residents are advised to report suspected incidents of identity theft to local law enforcement, to their respective Attorney General, and the FTC. Massachusetts residents are advised of their right to obtain a police report in connection with this incident. District of Columbia residents are advised of their right to obtain a security freeze free of charge and can obtain information about steps to take to avoid identity theft by contacting the FTC (contact information provided above) and the Office of the Attorney General for the District of Columbia, Office of Consumer Protection, at 400 6th St. NW, Washington, D.C. 20001, by calling the Consumer Protection Hotline at (202) 442-9828, by visiting https://oag.dc.gov, or emailing at [email protected]. Maryland residents can obtain information about steps they can take to avoid identity theft by contacting the FTC (contact information provided above) or the Maryland Office of the Attorney General, Consumer Protection Division Office at 44 North Potomac Street, Suite 104, Hagerstown, MD 21740, by phone at 1-888-743-0023 or 410-528-8662, or by visiting http://www.marylandattorneygeneral.gov/Pages/contactus.aspx. New York residents are advised that in response to this incident they can place a fraud alert or security freeze on their credit reports and may report any incidents of suspected identity theft to law enforcement, the FTC, the New York Attorney General, or local law enforcement. Additional information is available at the website of the New York Department of State Division of Consumer Protection at https://dos.nysits.acsitefactory.com/ consumerprotection; by visiting the New York Attorney General at https://ag/ny.gov or by phone at 1-800-771-7755; or by contacting the FTC at www.ftc.gov/bcp/edu/microsites/idtheft/ or https://www.identitytheft.gov/#/. North Carolina residents are advised to remain vigilant by reviewing account statements and monitoring free credit reports and may obtain information about preventing identity theft by contacting the FTC (contact information provided above) or the North Carolina Office of the Attorney General, Consumer Protection Division at 9001 Mail Service Center, Raleigh, NC 27699-9001, or visiting www.ncdoj.gov, or by phone at 1-877-5-NO-SCAM (1-877-566-7226) or (919) 716-6000. Rhode Island residents are advised that they may file or obtain a police report in connection with this incident and place a security freeze on their credit file and that fees may be required to be paid to the consumer reporting agencies.