EFI Data Incident Settlement: Monitoring and Cash Options

You may claim the three years of credit monitoring along with cash benefits. For cash, you may claim one or more of the ordinary-loss, extraordinary-loss, and lost-time benefits if you meet their separate requirements. The $75 alternative payment is different: choosing it means you cannot also claim the other cash benefits.

The notice does not say that cash benefits are automatic. A valid, timely Claim Form is required for benefits or payments.

The monitoring benefit is three years of CyEx Identity Defense Complete. You must submit a claim to receive this benefit.

• Credit-file monitoring in real time
• Dark-web scanning
• Public-records monitoring
• Help from a fraud-resolution agent if suspicious activity occurs
• Up to $1 million in identity-theft insurance

The ordinary-loss benefit can reimburse up to $300 for qualifying out-of-pocket expenses.

• The expenses must be actual, documented, and due to the Data Incident.
• They must have occurred between September 17, 2024, and December 22, 2026.
• Examples include credit-report, monitoring, or credit-freeze fees; replacement ID costs; and postage for contacting banks by mail.
• Send supporting proof such as receipts. Notes or papers you prepared yourself can support other evidence, but cannot by themselves make the claim valid.

The extraordinary-loss benefit can reimburse up to $5,000, but it has additional conditions beyond the ordinary-loss benefit.

• The loss must result from identity theft or fraud caused by the Data Incident.
• It cannot duplicate an amount claimed as an ordinary loss.
• You must have tried to prevent the loss or recover the money, including through insurance you already have.
• The loss cannot have been reimbursed from another source.
• The loss must have occurred from September 17, 2024 through December 22, 2026, and needs supporting proof.

The notice provides two cash options that do not call for receipts or another explanation in the way documented-loss claims do. You still need to submit a Claim Form.

• Lost time: up to four hours at $25 per hour, for no more than $100. The time must have been spent responding to the Data Incident, such as changing passwords, looking into suspicious account activity, or researching the incident. The notice says no description of the time is required.
• Alternative payment: an estimated one-time $75 payment. No proof or explanation is required, but this option replaces all other cash benefits. Its amount can go up or down based on the total claims filed.

All cash benefits together have a $300,000 cap. If the value of cash claims is more than that, payments will be reduced so the total paid is no more than $300,000. This can affect documented-loss, lost-time, and alternative cash payments.

The notice does not list every field that the Claim Form requires. It does make clear that a claim must be timely and that documentation is required for the documented-loss benefits.

• Online: submit the Claim Form by December 22, 2026.
• Mail: send a completed and signed Claim Form, with supporting documentation when required, postmarked by December 22, 2026.
• The notice says a form can be submitted online or downloaded for mailing. It also says you can request a paper form from the Settlement Administrator by phone, email, or mail.

Payments are not scheduled for a fixed date. They can be distributed only if the court grants final approval and after any appeals are resolved. The final approval hearing is set for January 26, 2027, at 8:30 a.m. Eastern Time, but the hearing details may change.

Opting out means leaving the settlement. Objecting means asking the court not to approve some or all of it while remaining in the settlement. A person who opts out cannot object.

• To opt out, send a Request for Exclusion by November 23, 2026. It must identify the case, give your contact information, include your personal signature, and clearly say that you want to be excluded.
• If you opt out, you receive no settlement benefit, but keep any rights you may have to sue EFI separately about the issues in this case.
• If you stay in the class, you may object by November 23, 2026. An objection must be filed with the Clerk of Court and copies must also be sent to the Settlement Administrator, Class Counsel, and EFI’s counsel.