To All Security State Bank Customers.....

A new law (The Fair and Accurate Credit Transactions Act or FACT Act) requires each of the three credit reporting companies to provide you a free copy of your credit report, at your request, once every 12 months. A credit report contains information about you and your credit /payments history. This information is used to evaluate you applications for credit, insurance, employment, renting a home and for other purposes.

Free reports are being phased in from West to East, with all regions eligible by 09/01/05.

You can get your report at:

www.annualcreditreport.com , or call 877-322-8228. You can also contact the credit reporting companies:

Equifax (www.equifax.com) 800-685-1111

Experian (www.experian.com) 888-397-3742

TransUnion (www.transunion.com) 800-888-4213

Order from all three, since each one derives its information from different sources. Some experts advise staggering them over the course of one year to keep track of your status with a free report every four months.

You can also get a free report if:

A company takes adverse action against you, such as denying you credit;

Your report is inaccurate because of fraud.

You are unemployed and plan to look for a job within 60 days;

You are on welfare;

If you find inaccuracies in the report:

Tell the credit reporting company-they must investigate right away, and must forward your data to the company that provided the inaccurate information.

Tell the creditor in writing that you dispute the item.

An employer or prospective employer cannot get a copy of your report without your written consent.