Advisories

Important information
Regarding your Shazam Debit Card

Protecting your account is a top priority for Franklin Bank. That’s why we wanted to alert you to a potential security issue with MasterCard/Shazam that could include your account.

At this point, we are working with authorities to investigate this matter further and will update you as soon as we have more information. We will continue to monitor your account and will work closely with MasterCard and Shazam to identify any fraudulent behavior.

In the meantime, you can take steps to protect yourself even further by reviewing your monthly checking account statements and monitoring your account online at Franklinbank.net.

If you notice anything suspicious, please notify us as soon as possible. In many cases, we will be able to replace any funds lost due to fraudulent use within five business days.

We apologize for any inconvenience this may cause you. Franklin Bank takes your account security and privacy very seriously and we will keep you informed on this issue as it develops. If you have any questions or concerns, please call us at 217-675-2311 or visit our website at Franklinbank.net.

You can help protect yourself from fraud.

Franklin Bank and Shazam/MasterCard are working closely together to catch any fraudulent behavior and protect your account. There are also some simple things you can do.

Protect your Personal Identification Number (PIN):
• Never write down your PIN. Memorize it as soon as you get it.
• Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.
• Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links.
Your bank nor any other legitimate online merchant will never ask for your PIN or other personal financial information via email.
• At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.

Spot suspicious activity and protect your account:
1. Review your monthly checking account statements to spot any unauthorized purchases. You can also monitor your account activity online at any time at Franklinbank.net
2. Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report.

Equifax® Experian® TransUnion®
800-525-6285 888-397-3742 800-680-7289
www.equifax.com www.experian.com www.transunion.com

3. If you spot any unauthorized charges, please contact us immediately at 1-217-675-2311
4. You should also contact the three credit reporting agencies listed above to notify them of any suspected fraud or identity theft.

Advisories

Your deposits are insured by the Federal Deposit Insurance Corporation up to $250,000 per person at Franklin Bank, plus $250,000 for a joint account, plus $250,000 for most retirement accounts.

There are many ways to make sure that your deposits are insured by the FDIC.  Always get the facts, and if you have questions, ask your local banker or visit the FDIC website atwww.fdic.gov

Franklin Bank works closely with the federal and state examiners to make sure they are operating safely and soundly.  You can be confident that your deposit accounts are safe at Franklin Bank.

Franklin Bank does not deal in sub prime mortgages.  We are not a part of Wall Street.  We are, however, part of MAIN STREET.  We accept only local or affiliated deposits and the money is invested back into the community.  We are committed to continue serving you as we have for over 120 years.

Debit Card Fraud

We highly recommend that you not use your debit card for online purcheses.  Your credit card is much safer and fraudulent charges are easier to detect.  We also recommend that you use your debit card only for purchases that you swipe or that you witness being swiped.  Handing your card to a person (waiter or clerk) who leaves your sight, can cause your number to be stolen or a duplicate card to be made.

We suggest that instead of signing your card on the back, write in “Ask for Photo ID”.  You will come to appreciate it when they actually do ask for an ID.

Please be aware of this scam:

1)  The scam begins with the fraudster making a telephone call claiming to be from MasterCard or Visa and wanting to verify unusual purchases on an account.

2)  Since there were really no purchases made, the cardholder will state the transactins are not valid and is then told by the scam artist that a credit will be issued to his or her account.

3)  The caller will then say he or she needs to confirm that the cardholder has possession of the card, so he or she will ask for the three-digit code on the signature panel of the card.  For Visa cards, this code is the Card Verification Value 2 (CVV2), and for MasterCard it is the Card Validation Code 2 (CVC2).

4)  If the cardholder provides that code, the caller will indicate the code verifies the card is in the cardholder’s possession and hangs up.  The fraudster now has that three-digit code in conjunction with the card number and expiration date they already know.  The person can now begin making fraudulent Internet or telephone purchases.

5)  Typically, if you receive a call claiming to be from MasterCard, the next day you may receive one claiming to be from Visa or visa versa.

If you are ever in any doubt, DO NOT TALK TO THESE PEOPLE!!  Just hang up.

Watch this page for future “Advisor” information.