We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account and monitoring your free credit reports for suspicious activity and to detect errors. Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian and Trans Union. To order your free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. You man also directly contact the three major credit reporting bureaus listed below to request a free copy of your credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity that, are you entitled to an extended fraud alert, which is a fraud alerts lasting seven years. Should you wish to place a fraud alert, please contact any one of the three major credit reporting bureaus listed below.

As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express consent. However, you should be aware that using a credit freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, you cannot be charged to place or lift a credit freeze on your credit report. To request a security freeze, will you need to provide the following information:

1. 1. Full name (including middle initial as well as Jr., Sr., II, III, etc.);
   2. Social Security number;
   3. Date of birth;
   4. Addresses for the prior two years to five years
   5. Proof of current address, such as a current utility bill or telephone bill:
   6. A legible photocopy of government-issued identification card ( state driver’s license or ID card, etc.); and
   7. A copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft if you are a victim of identity theft.

Should you wish to place a credit freeze, please contact the three major credit reporting bureaus listed below:

Equifax

• 1-888-298-0045
• Equifax Fraud Alert
  P.O. Box 105069
  Atlanta, GA 30348-5069
• Equifax Credit Freeze
  P.O. Box 105788
  Atlanta, GA 30348-5069

Experian

• 1-888-397-3742
• Experian Fraud Alert
  P.O. Box 9554
  Allen, TX 75013
• Experian Credit Freeze
  P.O. Box 9554
  Allen, TX 75013

Trans Union

• 1-833-395-6938
• TransUnion Fraud Alert
  P.O. Box 2000
  Chester, PA 19016
• TransUnion Fraud Alert
  P.O. Box 160
  Woodlyn, PA 19094