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18(b) How do you expect that your proposed gTLD will benefit registrants, Internet users, and others?

gTLDFull Legal NameE-mail suffixDetail
.EVERBANKEverBanksteptoe.comView
(i)Specialty-
Improved security is arguably the most attractive benefit of the registry for Internet users. Presently, there is no top-level domain dedicated to banking and financial services, and no top-level domain dedicated to Applicant’s brand. The goal of the TLD, in terms of specialty, is for Applicant to securely and uniquely provide a top-level domain dedicated to providing banking and financial products and services to customers and Internet users across the country under its highly recognized and trusted brand. Allowing Applicant to control its own Internet space for its highly recognized brand gives it the ability to customize its domain and website names and signal to the general population of Internet users that websites within the TLD will indeed be securely controlled by Applicant. This specialty will benefit Internet users seeking secure online banking and financial services who will be able to bank with greater confidence as we greatly reduce the possibility that our customers will become the next phishing victim or subject to the numerous other malevolent schemes currently perpetrated from and through domains bought on the open market.
Navigation to Applicant and affiliate sites will be more efficient. Users will know that .EVERBANK sites are operated by Applicant and are a reliable source of information about all EverBank Financial Corp companies. Applicant’s exclusive access to keyword domain names will be mutually beneficial for Internet users and affiliates, as users may tie the keyword service to affiliate providers. Searches for the TLD will quickly yield Applicant sites. Shorter domain names, which would be feasible with the new TLD, will also increase navigational efficiency for users. Built into a wider process of web optimization and marketing, the inclusion of the TLD as a keyword in every domain name will likely have positive implications for specialty, security, and national promotion purposes. This will increase traffic to these websites, promote competition, and facilitate use and trust by banking and financial service consumers who prefer shorter domain names and want a trusted source of the specific services they seek.
Service Levels-
The goal of the TLD will be to ensure that the highest level of security, quality, and customer service levels are provided to Applicant and its affiliates’ financial services customers, for whom security is a high priority. Applicant will exercise tight control over domain ownership and limit distribution of the domains to related entities and agents. Applicant is contracting with proven industry experts to provide the highest possible quality in registry and registrar services for maximum security and stability to protect the highly confidential information that Applicant’s customers will provide through use of the sites associated with the TLD.
Applicant will further endeavor, as is currently done on Applicant and affiliate websites, to provide for any outwardly-facing domain name and website in the TLD, Customer service that will be available by email and phone 24 hours per day, 7 days per week to instantly help any customer attempting to learn about or utilize Applicant’s services. Similarly, Applicant will provide the highest level service to trademark, copyright, and other legal rights owners by providing an easily accessible point-of-contact on any outwardly-facing domain names and websites.
In addition, despite the fact that Applicant will operate a tightly controlled, closed registry, in which only it and its corporate affiliates will be permitted to register second level domains, Applicant is keenly aware of its responsibility as a financial institution to enact policies and procedures designed to minimize the possibility of abusive registrations and other activities that have a negative impact on Internet users in the TLD, and which maximize the security and stability of the TLD. Applicant’s strong commitment to this goal is demonstrated, among other things, by its adoption of several of the requirements proposed in the 2011 Proposed Security, Stability and Resiliency Requirements for Financial TLDs (i.e., the BITS Requirements, available at http:⁄⁄www.icann.org⁄en⁄news⁄correspondence⁄aba-bits-to-beckstrom-crocker-20dec11-en.pdf). These standards were developed by the financial services sector for financial TLDs, and Applicant believes that adhering to these standards will result in a more robust approach to combating abuse. The specifics of this approach are set forth in response to Question 28.
Reputation-
Applicant already has a reputation for excellence, superior quality, and the highest level of security in the banking and finance industry, including online through its current websites and domain names. As noted above, Applicant already has an award-winning online track record. It intends to enhance Web services through use of the new TLD. As financial websites are among those with the highest exposure in connection with fraudulent online activity, Applicant seeks through the operation of the TLD to provide the most secure online environment in the industry, to enable Internet users to feel secure in providing highly sensitive personal information to Applicant and its affiliates. The goal of the TLD is to further enhance Applicant’s reputation for excellence and high levels of security and to advance and enhance technical capabilities.
Applicant will strive to ensure that the TLD is known for being tightly controlled, by ensuring only Applicant’s employees, agents, subsidiaries, affiliates, or related companies register domain names in the TLD, that those domain names are used for Applicant-related purposes, that the WHOIS is thick and reliable, and that the Registry is responsive to legal rights owners. Indeed, when Internet users visit a website within the TLD, they should know that Applicant will be the entity providing its nationally-renowned services, and that they can expect the highest level of online service and security. In all, Applicant will strive to be known as an exemplary and model domain name services citizen through the controlled use of the TLD.
(ii)Competition-
The TLD will enhance competition in the current Internet space. Through Applicant’s control of its own Internet space, and the flexibility to innovate and create new ways of accessing its ever-evolving online products and services, Applicant’s customers will experience a new level of service. These innovations will motivate competitors’ with existing and new top-level domains to improve the security and quality of the banking and financial products and services they provide online and to accelerate the introduction of new products and services in order to continue attracting new customers. Thus, the TLD will benefit consumers by increasing the likelihood of new and innovative online products and services in a more secure environment.
Differentiation-
The most obvious differentiation will be the TLD itself: it will be solely composed of Applicant’s unique service mark. Internet users will immediately know the source of the sites featuring the TLD. Indeed, no other top-level domain is similar in appearance to the TLD, none is used exclusively for banking and financial goods and services, and none exclusively serve Applicant’s users and customers. In terms of differentiated uses, Applicant will have the flexibility to customize the second-level domains within the TLD so as to signify the service offered as well as the source of the service. Finally, unlike in existing top-level domains, only Applicant’s employees and affiliated companies and agents will be allowed to register and⁄or operate domain names within the TLD, thus enabling the TLD to become unique in that customers do not have to fear corruption, weak security, malicious code, malware, spam, phishing or false or inaccurate information, and thereby allowing Applicant to become a more trusted provider of online banking and financial products or services.
Innovation-
Applicant is already a recognized leader in online banking and financial innovation. Of paramount importance to financial services customers is security. Ownership of the TLD will allow Applicant to impose higher security standards, to provide information, products and services to customers in a more secure and technologically advanced way and allow Applicant to implement technological advances with greater flexibility.
Indeed, Applicant believes that the TLD will open up new opportunities not yet imagined, and permit Applicant to innovate new services in a truly secure environment.
(iii) Applicant will strive to test, develop, and implement the TLD and associated websites to anticipate its customers’ Web needs and expectations in the most secure manner. Applicant will take great care to ensure that domain names in the TLD will primarily serve the Internet user by being intuitive and practical. Applicant will rely on its consumer and security-driven testing to provide a targeted user experience for those seeking robust, reliable, and secure online banking and financial products and services across the country and eventually perhaps even around the world. Because users will know that all domain names in the TLD will be owned and operated by Applicant, Applicant anticipates that the TLD will eventually provide an enhanced and secure online technological experience for those interested in obtaining more information about conducting online banking and financial transactions and purchasing Applicant’s products and services. Finally, the TLD will serve to differentiate Applicant from other banking and financial institutions and serve to create a more stable, competitive, and active marketplace.
(iv)To support the goals for the TLD, only Applicant, its affiliates, and its authorized and designated employees or agents, will be allowed to register domain names within the TLD. Accordingly, the general public will never be allowed to register, buy, or sell domain names in the TLD. Applicant, does however, reserve the right to sell, distribute, or transfer control or use of any registrations in the TLD to any third party that is an Affiliate of Applicant or is an agent of Applicant or of its Affiliates, for uses as specified by Applicant or its Affiliates. For the purposes of this application “Affiliate” is defined as (i) a person or entity that, directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with, Applicant, and (ii) “control” (including the terms “controlled by” and “under common control with”) means the possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of a person or entity regarding the use of a domain name within the TLD, whether through the ownership of securities, as trustee or executor, by serving as an employee or a member of a board of directors or equivalent governing body, by contract, by credit arrangement or otherwise.
Further, as stated above, Applicant intends to operate a closed registry in order to continue to offer the high-quality secure online financial products and services it currently offers on its branded websites in existing top-level domains. Accordingly, policies and decisions regarding the registration and use of domain names within the TLD will continue to be provided through an internal team consisting of Applicant’s existing business and marketing decision-making channels.
The TLD’s domain name policies will be shaped by its abuse prevention and rights protection policies, and Applicant will strive to avoid registering domain names that are confusingly similar to third-party trademarks and related rights. Obscene, explicit, and offensive domain names will not be permitted to register in the TLD.
(v)Keeping information secure and private is of crucial importance to banking and financial institutions, whose websites are particularly vulnerable to attempts at online fraud. Initially, Applicant intends to operate a closed registry with limited domain ownership access, to ensure the security and privacy of the information available. As Applicant’s use may expand, Applicant will take all available steps to maintain the security and privacy of the information collected, and will remain in compliance with all applicable confidentiality and security regulations in relevant jurisdictions.
For example, Applicant and its Affiliates already haves Privacy Policies in place to safeguard the financial information of their respective customers. For online banking, for example, these include:
-Encryption software that ʺscramblesʺ messages in its secure web-based email system to allow account holders to communicate over a secured channel with EverBank Representatives.
-Customer authentication procedures to protect personal and account information against fraud and other Internet risks.
-Restricted access to nonpublic personal information to only those persons with a business need to know the information to process or service a customer’s account(s).
-Multiple channels of contact to allow users to discuss privacy issues or report anything unusual or inappropriate to Everbank.
For Applicant and its Affiliates’ policies in their entirety, see Privacy Policies for EverBank and its Subsidiaries, found at https:⁄⁄www.abouteverbank.com⁄privacy.aspx. When the TLD becomes public-facing such that external users are interacting with domains registered in the TLD, Applicant will, at a minimum, continue to provide similar security measures.
(vi)Applicant will create and implement marketing and outreach efforts in a variety of media to inform the public about the TLD and the information and services available there.
Applicant already uses a variety of outreach and communications methods and venues to communicate its mission and message to the public, including but not limited to, electronic mail, press releases, featured videos posted on its website, social media, including but not limited to Twitter, LinkedIn, and Facebook, various news feeds around the country, and paid advertising, which includes television and radio commercials, magazine and newspaper print, billboards and posters in major markets, and a variety of digital media. Applicant is able to incorporate the outreach and communication regarding the TLD into its current branding and marketing efforts to ensure that as many customers and users as possible understand the new resources available and how to interact with them to improve their consumer experience.
gTLDFull Legal NameE-mail suffixDetail
.ONYOURSIDENationwide Mutual Insurance Companynationwide.comView
i. What is the goal of your proposed gTLD in terms of areas of specialty, service levels, or reputation?

Specialty

Currently, there is no top-level domain dedicated to insurance and financial services, and no top-level domain dedicated to Nationwide’s brand. The goal of the TLD, in terms of specialty, is to provide a TLD dedicated to providing information about Nationwide to internet users and providing insurance and financial goods and services to customers under its famous and trusted brand. Allowing Nationwide to control its own Internet space for its well-known and famous brand will give it the ability to customize its domain and website names, and will signal to Internet users that websites under the TLD are indeed securely controlled by Nationwide and safer than if they were accessing a website hosted at a non-branded, non-industry-related domain name in the .com, .net, or .biz gTLDs. This specialty will benefit Internet users seeking secure online insurance and financial services without the worry that they will become the next phishing victim.

This specialization simultaneously makes it easier for Internet users who are looking for Nationwide-related information or customers seeking policy information to locate this information more efficiently. The appendage of the TLD will indicate to users what they can expect to find at that website under the TLD, namely, premier and secure insurance and financial goods and services offered solely by the famous and reputable company called Nationwide. It also has another added benefit in that web addresses will become shorter—one impact of a dearth of ‘good’ web addresses has been for them to get longer over time. Using the TLD not only means Nationwide’s sites can benefit from having an important keyword in their web address, but it will also be much faster to type in the address. Built into a wider process and opportunity of web optimization and marketing, the inclusion of the TLD keyword in every domain name will likely have positive implications for security and global promotion purposes by making it easier for Internet users to locate Nationwide and its goods and services using search engines or similar technology. This will increase relevant traffic to these websites, promote healthy competition, and facilitate use and trust by financial service consumers who prefer shorter domain names and want a trusted source of the services they seek.

Service Levels

The goal of the TLD will be to ensure the highest level of security, quality, and customer service levels to Nationwide’s customers and clients, for whom security is a high priority concern in connection with its vulnerable insurance and financial goods and services. Primarily, this entails ensuring that only Nationwide and its Affiliates are able to register and⁄or use the second-level domain names within the TLD, and applying the same high online service levels that Nationwide provides through its current domain names in other top-level domains. Regarding security concerns, this entails contracting with and using proven industry experts to provide the highest possible quality in registry and registrar services so as to not compromise the security and stability of the highly confidential information that Nationwide’s consumers may provide through the TLD.

Similarly to how it operates its current websites, Nationwide will further endeavor to provide quality customer service through the use of click-to-chat and click-to-call capabilities 24 hours per day, 7 days per week, which allows for live, real-time support for customers attempting to learn about or utilize Nationwide’s services online. Similarly, Nationwide will provide the highest level service to trademark and other legal rights owners by providing an easily accessible point-of-contact on any outwardly-facing domain names and websites.

Reputation

Nationwide already has a reputation for excellence, superior quality, and the highest level of data security in the insurance and finance industry, including online through its current websites and domain names. Indeed, insurance and financial websites are among the most vulnerable to fraudulent online activity, and Nationwide seeks through the operation of the TLD to maintain its reputation for providing the most secure online environment in the industry for all Internet users to feel secure in providing highly sensitive personal information to Nationwide. Nationwide also has a reputation of having enhanced technical capabilities and to be an early adopter of online technical advancements in the insurance and financial industry, such as by launching the first mobile phone application for an insurance company. The goal of the TLD, if made public, is to continue to promote Nationwide’s reputation for excellence and high levels of security and advanced and enhanced technical capabilities.

The TLD will strive to be known for ensuring only Nationwide and its Affiliates register and⁄or use domain names in the TLD, that those domain names are used for Nationwide-related purposes at the direction of Nationwide, that all information possible will be kept completely confidential, that the Whois is thick and reliable, and that the TLD is responsive to legal rights owners. Indeed, when Internet users visit a website within the TLD, they will know that Nationwide will be the entity providing its world-renowned services, and that they can expect the highest level of online service and security. In all, Nationwide will strive to continue to be known as an exemplary and model domain name services citizen throughout its use of the TLD.

ii. What do you anticipate your proposed gTLD will add to the current space, in terms of competition, differentiation, or innovation?

Competition

The TLD will enhance competition in the current Internet space by allowing Nationwide to control its own Internet presence and to have the flexibility to innovate, distribute, and create new online insurance and financial goods and services, and to reach new geographic areas in new ways. These innovations to how Nationwide will provide online insurance and financial services will promote competition among and incentivize other insurance and financial service companies that operate on existing and new top-level domains to also improve the security and quality of the insurance and financial goods and services they provide online. Nationwide also expects to accelerate the introduction of new goods and services in order to continue attracting new customers. Thus, the entry of the TLD will benefit consumers by increasing the likelihood of the successful introduction of new and innovative online goods and services through healthy competition and increased confidence about online security.

Differentiation

The TLD will be differentiated from all other top-level domains currently available in the marketplace because it will be able to affix Nationwide’s famous brand to second-level domains in the TLD and indicate to Internet users the source of the TLD. Indeed, no other top-level domain is similar in appearance, sound, or meaning to .[NATIONWIDE, is used exclusively for insurance and financial goods and services, and⁄or exclusively serves Nationwide’s users and customers. In terms of differentiated uses, Nationwide will be able to customize the second-level domains within the TLD so as to signify the good or service offered as well as the source of the service. Finally, only Nationwide and its Affiliates will ever be allowed to register and⁄or use domain names within the TLD, allowing the TLD to remain unique in that customers do not have to fear corruption, security, spam, phishing or false or inaccurate information. This differentiation will allow Nationwide to become a truly trusted TLD provider of online insurance or financial goods or services in contrast to current top-level domains.

Innovation

Nationwide is already a recognized leader in online insurance and financial innovation. Indeed, technology is at the forefront of Nationwide’s current online insurance and financial innovation. For example, one of the most crucial issues of importance to insurance and finance customers is security. The TLD, if publicly used, will allow Nationwide to provide information, goods and services to its clients and customers in a fast, but more secure and technologically advanced way and allow Nationwide to implement technical advances that may not have been capable before in a less secure environment.

Indeed, it is difficult in the current Internet space for Nationwide to innovate and to provide truly secure banking and financial websites. With the TLD, Nationwide can test the use of the TLD with consumers to facilitate their desired Web experience, and can test the use of the TLD to ensure Nationwide’s Internet-provided services meet the highest possible security standard. This innovation will promote competition in the Internet space and provide higher and faster levels of service to its users and customers. Moreover, the TLD will allow more people to have greater access to a dedicated and secure insurance and financial services top-level domain.

iii. What goals does your proposed gTLD have in terms of user experience?

If a public use is determined to satisfy its customers’ Web expectations and can be done securely, with the quality and breadth of resources similar to or exceeding that of its current domain names in third-party top-level domains, Nationwide will take great care to ensure that domain names in the TLD will ultimately serve the Internet user. Accordingly, Nationwide will rely on its consumer and security-driven testing to ensure that the TLD will provide the best user experience possible for those seeking fast, robust, reliable, and secure online insurance and financial goods and services and related information. Because users will know that all of the domain names in the TLD are owned and controlled by Nationwide, Nationwide anticipates that the TLD will eventually provide an enhanced and secure online technological experience for those interested in obtaining more information about Nationwide’s products and services, as well as conducting online banking and financial transactions.

iv. Provide a complete description of the applicant’s intended registration policies in support of the goals listed above.

In support of the goals listed above, only Applicant through its authorized employees will be allowed to register domain names within the TLD for its own exclusive use. Accordingly, the general public will never be allowed to register, buy, or sell domain names in the TLD. Applicant, however, reserves the right to sell, distribute, or transfer control or use of any registrations in the TLD to any third party that is an Affiliate of Applicant for uses as specified by Applicant. Affiliate will be defined for the purposes of this application as (i) a person or entity that, directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with, Applicant, and (ii) “control” (including the terms “controlled by” and “under common control with”) means the possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of a person or entity regarding the use of a domain name within the TLD, whether through the ownership of securities, as trustee or executor, by serving as an employee or a member of a board of directors or equivalent governing body, by contract, by credit arrangement or otherwise.

As stated above, Nationwide intends to operate a closed registry in order to continue offer the high-quality online insurance and financial goods and services it currently offers on its branded websites in existing top-level domains. Accordingly, policies and decisions regarding the registration and use of domain names within the TLD will continue to be provided through an internal team consisting of Nationwide’s existing decision-making channels.
The TLD’s domain name policies will be limited by its abuse prevention and rights protection policies discussed further herein, and will strive to avoid registering domain names that are confusingly similar to third-party’s trademarks and related rights. Obscene, explicit, and offensive domain names will not be entitled to registration in the TLD.

v. Will your proposed gTLD impose any measures for protecting the privacy or confidential information of registrants or users? If so, please describe any such measures.

Keeping information secure and private is of crucial importance to insurance and financial institutions, whose websites are particularly vulnerable to online fraud. Initially, Nationwide intends to operate an internal registry with limited access so as to ensure the security and privacy of the information available. As Nationwide’s use may expand, Nationwide will take all available steps to maintain the security and privacy of the information collected therein, and will remain in compliance with the highest confidentiality and security regulations in relevant jurisdictions. We will continue to communicate our commitment to privacy to our customers and website users by publically posting them on our website.

vi. Describe whether and in what ways outreach and communications will help to achieve your projected benefits.

If the TLD is expanded to face the general Internet public, Nationwide will be able to incorporate the outreach and communication regarding the TLD into its significant, existing branding and marketing efforts to ensure that as many customers and users as possible understand the new resources available and how to interact with them to improve their consumer experience. Indeed, Nationwide will apply its existing outreach and communication methods to market to all Internet users that the TLD will provide better and more secure access to banking and financial information and goods and services to individuals, institutions, and other potential insurance and financial services customers.