Liberty Bankers Life Ins Co Data Breach Notification

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Dear < >: illumifin Corporation (“illumifin”) is an insurance technology company and third-party administrator who provides services for < >. We are committed to protecting the confidentiality and security of the information we maintain related to those services. Regrettably, we are writing to inform you of an incident involving some of your information. This letter explains the incident, measures we have taken in response, and some steps you can take to further protect your information.

What Happened? On November 4, 2025, we identified unusual activity in a portion of our network. We

immediately implemented our incident response protocols, which involved taking steps to contain the activity and launching an investigation with assistance from a third-party forensic firm. We also notified law enforcement. The investigation determined that an unauthorized person gained access to our network and acquired copies of certain files stored on our system. On November 10, 2025, we learned that some of the files may have contained information we received from or on behalf of our clients in connection with the administration services we provide. Accordingly, we conducted a comprehensive review and analysis of the files to determine what information they contained. We informed < > of the incident on January 9, 2026, and provided them with their list of affected individuals on or around February 25, 2026.

What Information Was Involved? Through our review, we identified files containing some of your information,

including your < >.

What We Are Doing. We wanted to notify you of this incident and assure you we take this matter very seriously.

As a precaution, we have arranged for you to receive a <<1 year/2 year>> complimentary membership to identity monitoring services through < >. Additionally, to help prevent a similar incident from occurring in the future, we have implemented, and will continue to adopt, additional safeguards to further protect and monitor our systems.

What You Can Do. It is always advisable to remain vigilant for incidents of fraud or identity theft by regularly

reviewing your account statements and free credit reports for any unauthorized activity. For additional guidance on identity theft prevention and < >, including instructions on how to activate your complimentary membership, please see the pages that follow this letter.

For More Information. We regret that this incident occurred and apologize for any inconvenience. If you have

questions, please call < >, Monday through Friday, between < >, Central Time.

Sincerely, illumifin Corporation

[INSERT CREDIT MONITORING DETAILS & ENROLLMENT INSTRUCTIONS]

ADDITIONAL STEPS YOU CAN TAKE

We remind you it is always advisable to be vigilant for incidents of fraud or identity theft by reviewing your account statements and free credit reports for any unauthorized activity. You may obtain a copy of your credit report, free of charge, once every 12 months from each of the three nationwide credit reporting companies. To order your annual free credit report, please visit www.annualcreditreport.com or call toll free at 1-877-322-8228. Contact information for the three nationwide credit reporting companies is as follows:

• Equifax, PO Box 740241, Atlanta, GA 30374, www.equifax.com, 1-800-685-1111
• Experian, PO Box 2002, Allen, TX 75013, www.experian.com, 1-888-397-3742

• TransUnion, PO Box 2000, Chester, PA 19016, www.transunion.com, 1-800-916-8800
  If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Attorney General’s office in your state. You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records. Contact information for the Federal Trade Commission is as follows:

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

Fraud Alerts: There are two types of general fraud alerts you can place on your credit report to put your creditors

on notice that you may be a victim of fraud—an initial alert and an extended alert. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial fraud alert stays on your credit report for one year. You may have an extended alert placed on your credit report if you have already been a victim of identity theft with the appropriate documentary proof. An extended fraud alert stays on your credit report for seven years. To place a fraud alert on your credit reports, contact one of the nationwide credit bureaus. A fraud alert is free. The credit bureau you contact must tell the other two, and all three will place an alert on their versions of your report. For those in the military who want to protect their credit while deployed, an Active Duty Military Fraud Alert lasts for one year and can be renewed for the length of your deployment. The credit bureaus will also take you off their marketing lists for pre-screened credit card offers for two years, unless you ask them not to.

Credit or Security Freezes: You have the right to put a credit freeze, also known as a security freeze, on your

credit file, free of charge, which makes it more difficult for identity thieves to open new accounts in your name. That’s because most creditors need to see your credit report before they approve a new account. If they can’t see your report, they may not extend the credit. How do I place a freeze on my credit reports? There is no fee to place or lift a security freeze. Unlike a fraud alert, you must separately place a security freeze on your credit file at each credit reporting company. For information and instructions to place a security freeze, contact each of the credit reporting agencies at the addresses below:

• Experian Security Freeze, PO Box 9554, Allen, TX 75013, www.experian.com
• TransUnion Security Freeze, PO Box 2000, Chester, PA 19016, www.transunion.com
• Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348, www.equifax.com You’ll need to supply your name, address, date of birth, Social Security number and other personal information. After receiving your freeze request, each credit bureau will provide you with a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.

How do I lift a freeze? A freeze remains in place until you ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a credit bureau must lift a freeze within one hour. If the request is made by mail, then the bureau must lift the freeze no later than three business days after getting your request. If you opt for a temporary lift because you are applying for credit or a job, and you can find out which credit bureau the business will contact for your file, you can save some time by lifting the freeze only at that particular credit bureau. Otherwise, you need to make the request with all three credit bureaus. illumifin Corporation can be reached by mail at 7805 Hudson Road, Suite 180, Woodbury, MN 55125 or by phone at (877) 431-5824.

Additional information for residents of the following states: Connecticut: You may contact and obtain information from your state attorney general at: Connecticut Attorney

General’s Office, 165 Capitol Ave, Hartford, CT 06106, 1-860-808-5318, www.ct.gov/ag

District of Columbia: You may contact and obtain information from your attorney general at: Office of the

Attorney General for the District of Columbia, 441 4th Street NW, Washington, DC 20001, 1-202-727-3400, www.oag.dc.gov

Maryland: You may contact and obtain information from your state attorney general at: Maryland Attorney

General’s Office, 200 St. Paul Place, Baltimore, MD 21202, 1-888-743-0023 / 1-410-576- 6300, www.oag.state.md.us

Massachusetts: Under Massachusetts law, you have the right to file and obtain a copy of a police report. You also

have the right to request a security freeze, as described above. You may contact and obtain information from your state attorney general at: Office of the Massachusetts Attorney General, One Ashburton Place, Boston, MA 02108, 1-617-727-8400, www.mass.gov/ago/contact-us.html

New York: You may contact and obtain information from these state agencies: New York Department of State

Division of Consumer Protection, One Commerce Plaza, 99 Washington Ave., Albany, NY 12231-0001, 518- 474-8583 / 1-800-697-1220, http://www.dos.ny.gov/consumerprotection; and New York State Office of the Attorney General, The Capitol, Albany, NY 12224-0341, 1-800-771-7755, https://ag.ny.gov

North Carolina: You may contact and obtain information from your state attorney general at: North Carolina

Attorney General’s Office, 9001 Mail Service Centre, Raleigh, NC 27699, 1-919-716-6000 / 1-877-566- 7226, www.ncdoj.gov

Rhode Island: Approximately <<## Rhode Island>> residents are receiving notice of this incident. Under Rhode

Island law, you have the right to file and obtain a copy of a police report. You also have the right to request a security freeze, as described above. You may contact and obtain information from your state attorney general at: Rhode Island Attorney General’s Office, 150 South Main Street, Providence, RI 02903, 1-401-274- 4400, www.riag.ri.gov

A Summary of Your Rights Under the Fair Credit Reporting Act: The federal Fair Credit Reporting Act

(FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Your major rights under the FCRA are summarized below. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

• You must be told if information in your file has been used against you.
• You have the right to know what is in your file.
• You have the right to ask for a credit score.
• You have the right to dispute incomplete or inaccurate information.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
• Consumer reporting agencies may not report outdated negative information.
• Access to your file is limited.
• You must give your consent for reports to be provided to employers.

• You may limit “prescreened” offers of credit and insurance you get based on information in your credit
  report.

• You have a right to place a “security freeze” on your credit report, which will prohibit a consumer
  reporting agency from releasing information in your credit report without your express authorization.

• You may seek damages from violators.

• Identity theft victims and active duty military personnel have additional rights.