Empower Security Guarantee

How do I qualify for this protection?

Your Empower accounts are automatically eligible for this protection. Please follow the online and mobile security practices below and more fully described in our Security tips. Online and mobile account security is a shared responsibility. Let’s work together to protect your account.

What can I do to help protect my Empower account(s)?

1. Register your account, then keep your contact information current.
   As soon as you are able, log in to your Empower account online to ensure we have registered you as the authentic account owner. In addition to your contact information, add emails and your mobile number, if available, to help ensure we can contact you with proactive security alerts or in case of suspected unauthorized activity. Remember to keep your contact information, email addresses and mobile numbers up to date.
2. Protect your personal and financial information.
   Never share your passwords, personal account information or device authentication with anyone, including your family members or friends. Anyone with whom you share (or direct us to share) your account access is deemed authorized by you to conduct transactions on your account, including third party financial planning and budgeting applications that aggregate your data via sharing credentials (except one that we have partnered with).
3. Review your accounts and respond to security alerts and notify us of suspected fraud or identity theft.
   Monitor your account activity, such as transactions, address changes and bank information regularly. You must promptly review Empower security alerts and contact Empower’s Customer Service Center at 844-773-6797 immediately if you suspect unauthorized activity. Security alerts are used to validate account activity with you such as a withdrawal of funds, changes to your contact information or adding a new bank account. In addition, you must promptly review your Empower account information, including transaction confirmations and statements and notify Empower immediately of any unauthorized account activity, if you have not received an account statement or if you have experienced any kind of identity theft. Consider electronic delivery of statements and documents to make reviewing your account easier.
4. Increase login protection and keep device updates current.
   Use a unique and strong password on your Empower account. Reset your password immediately if you think it was compromised. Keep your devices, operating systems, web browsers and applications current. Maintain up-to-date antivirus, antimalware and firewall software on your computer.
5. Look out for suspicious emails, texts and phone calls.
   Do not reply to suspicious requests for your personal or financial information – go to the root source instead. You should only provide account information through Empower’s Customer Service center at 844-773-6797, the secure website or the Empower mobile application. Empower will not request personal or account information via email or text messages. Contact us immediately if you receive multi-factor authentication (MFA) verification codes that you did not request.
6. Check this page periodically for updated information, as we proactively monitor evolving cybersecurity threats.

When am I not covered by the guarantee?

All claims for reimbursement of fraudulent activity are reviewed on a case-by-case basis. This guarantee may not apply in the following circumstances:

• If you fail to notify us in a timely manner when you have other financial accounts compromised or if you fail to follow basic security practices for your account.
• If you fail to notify us within 90 days after the suspicious activity occurs.
• If you fail to promptly respond to security alerts or attempts to contact you regarding suspicious activity on your account.

This guarantee does not apply in the following circumstances:

• Transactions that were initiated by you or a family member/acquaintance
• Transactions authorized by third parties with permission to access your account, such as employers, financial advisors, or other with whom you have shared your account credentials
• For employer-sponsored retirement accounts, unauthorized transactions that result from a compromise of the systems or security of your employer or your employer's service providers.

What should I do if I suspect fraud has occurred?

If you see suspicious activity on your account, change your password and contact our customer account protection team immediately at 844-773-6797. Report any suspected incidents, activity, unreceived account statements or unauthorized activity to us immediately and cooperate with us as we look into the matter.

^{Additional details: The Empower Security Guarantee applies only to accounts maintained by Empower and does not extend to accounts held or managed by third parties, such as brokerage accounts held at other institutions. Empower may seek restitution from the person(s) who committed the unauthorized activity and may require you to assign certain rights or sign a release form as a condition in receiving reimbursement under the Empower Security Guarantee. For accounts in employer-sponsored plans, reimbursement is generally subject to plan sponsor review and approval and may be subject to additional conditions based on any related agreement between Empower and your employer. Empower will determine the type and amount of any reimbursement in its sole discretion. This protection does not cover any legal fees, expenses, or tax consequences or any indirect, consequential, or non-monetary damages. Empower reserves the right to reduce the amount of any reimbursement by amounts you are entitled to receive from other sources for the same loss, such as identity theft insurance. Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. This material is for informational purposes only and is not intended to provide investment, legal, or tax recommendations or advice. WF 3743826-1124 RO4076897-1224}