Information Regarding the Equifax Data Breach

Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases.

To be clear, Community Spirit Bank was not compromised and your information was not stolen from our bank. However, Community Spirit Bank takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your Community Spirit Bank account to us by calling 1-855-385-4445. Visit communityspiritbank.com for more information about possible scams stemming from the Equifax Data Breach.

Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers complimentary identity theft protection and credit file monitoring. This information is available at www.equifaxsecurity2017.com. To protect your identity and personal information, Community Spirit Bank strongly encourages our customers to take the actions noted below.

·         Review your account statements to spot any suspicious transactions. You can also monitor your account activity online at any time at [communityspiritbank.com].

·         If you spot any suspicious transactions, please contact us immediately at 1-855-385-4445.

·         Consider if you should place an initial fraud alert on your credit report (see https://www.consumer.ftc.gov/articles/0275-place-fraud-alert).

·         Consider if you should freeze your credit file (see https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs).

·         Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report or visit www.annualcreditreport.gov

·         You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.

If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) at https://www.identitytheft.gov/ or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at https://www.consumer.ftc.gov/topics/privacy-identity-online-security.

Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559.

Experian ®  P.O. Box 9554 Allen, TX 75013  1-888-397-3742   www.experian.com

TransUnion® P.O. Box 2000 Chester, PA 19016   1-800-680-7289   www.transunion.com

Equifax® P.O. Box 740241 Atlanta, GA 30374   1-800-349-5191   www.equifax.com

Sincerely,

Community Spirit Bank

Member FDIC, Equal Housing Lender

Branch Locations

Red Bay:

Community Spirit Bank
200 4th Avenue SW
Red Bay, AL 35 582
(256) 356-4445

ATM Location:

Inside McDonald's
606 4TH Avenue SE
Red Bay, AL 35 582

Redmont:

Redmont Branch
1107 Fourth ST NW
Red Bay, AL 35 582
(256) 356-8724

Russellville:

Community Spirit Bank
14009 HWY 43
Russellville, AL 35 653
(256) 332-5315

Vina:

Community Spirit Bank
7141 Hwy. 19
Vina, AL 35 593
(256) 356-6947

Belmont:

Community Spirit Bank
342 Second Street
Belmont, MS 38 827
(662) 454-0001