Supplemental Information for the Protection of Personal Information
Avoiding Phishing. Please use caution when responding to third parties who request disclosure of your personal information
via email, text or phone. This may include inquiries from third parties posing as bank officials, information security experts,
government agencies and other trusted sources, in an effort to trick you into divulging your personal information.
You should never provide personal information, such as usernames, passwords, government issued personal identification
numbers (e.g., U.S. Social Security Numbers),
account numbers or any other confidential personal information via email
request or screen pop-ups. Legitimate agencies/companies do not ask for this type of information in an email. We will never
ask for your
account password by email or by phone.
Remain Vigilant. As always, you should monitor your statements for any activity you do not recognize. Contact us
immediately to report any suspicious activity.
You also should not click links or open attachments sent from atypical or unknown senders, even if they appear to be
legitimate. Pay special attention to links that purportedly take you to websites or other resources related to this incident, or
offer you services to assist with this incident. When in doubt, call your regular Morgan Stanley contact to verify the legitimacy
of the communication.
Ordering 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 credit report, visit
www.annualcreditreport.com or call toll-free at
877-322-8228. We encourage you to remain vigilant by reviewing your
account statements and monitoring your free credit
reports.
Federal Fair Credit Reporting Act Rights: You also have rights under the federal Fair Credit Reporting Act (FCRA), which
promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. More information is
available at
https://www.consumer.ftc.gov/articles/p ... ng-act.pdf.
Obtaining a Police Report: You may be entitled by state law to obtain a police report relating to this matter; however, to our
knowledge, no such report exists. If you are the victim of identity theft, you also have the right to file a police report and
obtain a copy of it.
Fraud Alerts and Security Freezes. You can place a fraud alert or security freeze on your credit report, free of charge, by
calling any of the toll-free numbers provided below. Unlike a fraud alert, you must place a security freeze on your credit file
at each consumer reporting agency individually. For more information on fraud alerts and security freezes, you also may
contact the FTC as described below. You may have to submit personal information to obtain the security freeze, including
name, Social Security Number, date of birth, and photograph of a government ID.
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
Experian Inc.
P.O. Box 9554
Allen, TX 75013
888-397-3742
www.experian.com
TransUnion LLC
P.O. Box 2000
Chester, PA 19022-2000
1-888-909-8872
www.transunion.com
Reporting Incidents. If you become aware of an unauthorized transaction, please promptly contact your financial institution.
Identity theft or fraud incidents should be promptly reported to law enforcement, the FTC or your state Attorney General.
You can contact the FTC to learn more about identity theft:
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
877-IDTHEFT (438-4338)
www.ftc.gov/idtheft/
MORGAN
Contacting State Authorities: In certain states, you may be able seek assistance from state authorities for information
about preventing or reporting suspected identity theft. Contact information for those authorities is provided below.
Maryland Residents
Office of the Attorney General
200 St. Paul Place
Baltimore, MD 21202
https://www.marylandattorneygeneral.gov/
(888) 743-0023
New York Residents
Office of the Attorney General
The Capitol
Albany, NY 12224-0341
1 (800) 771-7755
https://ag.ny.gov/internet/privacy-and-identity-theft/
North Carolina Residents
Office of the Attorney General
9001 Mail Service Center
Raleigh, NC 27699-9001
https://www.ncdoj.gov/
(877) 566-7226
Oregon Residents
Office of the Attorney General
1162 Court Street NE
Salem, OR 97301-4096
(503) 378-6002
https://www.doj.state.or.us/oregon-depa ... rosenblum/
Rhode Island Residents
Rhode Island Office of the Attorney General
150 South Main Street
Providence, Rhode Island 02903
http://www.riag.ri.gov/
(401) 274-4400
Additional Details Regarding Your Experian IdentityWorks Membership:
A credit card is not required for enrollment in Experian IdentityWorks. You can contact Experian immediately regarding any
fraud issues, and have access to the following features once you enroll in Experian IdentityWorks:
Experian IdentityWorks Services: Services are available for 24 months from the date of enrollment.
Experian credit report at signup: See what information is associated with your credit report.. Daily credit reports are
available for online members only. Offline members will be eligible to call for additional reports quarterly after
enrolling.
Credit Monitoring: Actively monitors Experian file for indicators of fraud.
Identity Restoration: Identity Restoration specialists are immediately available to help you address credit and noncredit related fraud. If you believe there was fraudulent use of your information as a result of this incident and
would like to discuss how you may be able to resolve those issues, please reach out to an Experian agent. If, after
discussing your situation with an agent, it is determined that identity restoration support is needed then an Experian
Identity Restoration agent is available to work with you to investigate and resolve each incident of fraud that
occurred from the date of the incident (including, as appropriate, helping you with contacting credit grantors to
dispute charges and close accounts; assisting you in placing a freeze on your credit file with the three major credit
bureaus; and assisting you with contacting government agencies to help restore your identity to its proper
condition).
Experian IdentityWorks ExtendCARETM: You receive the same high-level of Identity Restoration support even after
your Experian IdentityWorks membership has expired.
Up to $1 Million Identity Theft Insurance: Provides coverage for certain costs and unauthorized electronic fund
transfers. 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.
The Terms and Conditions for this offer can be found at
www.ExperianIDWorks.com/restoration.