SPOTLIGHT N SERVICE

News You Need to Succeed

MARCH 2018

What’s inside

T R E N D I N G

PAGE 6: Sometimes free isn’t really free! Be on the lookout for sneaky trial fees.

PAGE 9: Time for an upgrade on your ATM. Why you should be on Windows 10 before 2020.

PAGE 14: Relax! SHAZAM Marketing Services can help meet your 2018 goals.

SHAZAM’s 2018 Forum ...........................................................................................................................................2

You spoke. We listened............................................................................................................................................3

The who, what, when, where and why of compromised card alerts ........................................4

When ‘free’ isn’t really free: Beware of free trial offers ......................................................................6

Visa’s limits on domestic EMV liability shift chargebacks are expiring ................................... 7

ATM cash supplies can dwindle during tax refund season .............................................................8

Upgrade your ATMs to Windows 10 for better security and compliance .............................9

Industry and compliance news.........................................................................................................................10

In short, abbreviate your cardholders’ names ........................................................................................ 12

Gift, Reloadable, and Travel Prepaid cards: The perfect cards for the perfect situation ... 13

SHAZAM Marketing Services: We have you covered .......................................................................14

Be ready to talk about risk .................................................................................................................................. 15

Upcoming training ....................................................................................................................................................16

‘Get Techy With It’ Debit Rewards winners .............................................................................................. 17

SPOTLIGHT N SERVICE MARCH 2018

FORUM

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shazam.net/forum

TESTIMONIALS DON’T TAKE IT FROM US, HEAR WHAT OTHER ATTENDEES HAVE TO SAY!

Registration is $345 for the first attendee and only $245 for each additional attendee from the same financial institution. Hurry, register today to claim your spot!

REGISTER TODAY!

The Forum blog is a great way to stay up to date on the latest announcements, learn about exclusive promotions and receive sneak peeks on SHAZAM Forum sessions! Plus, use our template letter to convince your boss to send you and a co-worker to this great event. Check back often so you don’t miss an update!

FOLLOW THE FORUM BLOG

APRIL 10-12DES MOINES MARRIOTT DOWNTOWN

Attendee from Guaranty Bank & TrustDehli, Louisiana

The SHAZAM Forum provides a great opportunity for education, receiving updates on current issues and networking with industry peers. It has become an essential part of our annual training.

Attendee from Security Savings BankGowrie, Iowa

Attendee from Embarrass VermillionFederal Credit Union / Aurora, Minnesota

I’m looking forward to the SHAZAM facilities tour and learning about debit card fraud updates. I’m also looking forward to Jim Olson’s keynote; he seems to have a fascinating life story.

Attendee from Palo Savings BankPalo, Iowa

The SHAZAM Forum is a fantastic way to interact with SHAZAM staff and learn about exciting product updates or new services. Additionally, the opportunity to talk with peers and discuss business challenges is outstanding. And of course, the food and entertainment is always exceptional.

I registered for the 2018 SHAZAM Forum because it has become an annual tradition that I wouldn’t want to miss. SHAZAM does an amazing job of combining informational, motivational and fun opportunities that never disappoint!

*Each additional person must be from the same financial institution

RATES

s p e c t r u m o f s u c c e s s

IN THE SPOTLIGHT

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YOU SPOKE. WE LISTENED.

WE RECENTLY DISTRIBUTED OUR 2018 SHAZAM COMMUNICATIONS SURVEY. THANK YOU FOR YOUR RESPONSES.

We’ve been going over the survey results with a fine-toothed comb, and you’ve given us a lot to think about. Over time, we’ll be making some changes to our communications based on your responses. So in addition to our new look, there will likely be even more enhancements coming. We’re taking this opportunity to summarize a few key pieces of feedback from our survey results:

• It’s all about timing. It’s pretty clear most ofyou prefer to receive communications in themorning vs. afternoon. The top three times respondents listed for communications were Wednesday morning, Tuesday morning and Thursday morning. Unsurprisingly, Friday afternoon was the least popular choice. We hear you, and while we may not be able to distribute all communications during the morning hours, we’re going to pay close attention to your preferences when planning our communication timelines.

• With respect to compromised debit cards, we know Friday afternoon notifications aren’t ideal. However, sometimes that’s when SHAZAM receives these notifications and our commitment is to process those and pass them to you as quickly as possible. We recognize you may not handle the notifications immediately, but we want you to have them as soon as possible.

• One topic at a time. One thing that camethrough loud and clear is that you prefertopic-specific communications, like we’recurrently sending. More than 80 percent of respondents said they like receiving individual communications as soon as they’re relevant rather than combining all of our items into a longer weekly update. We’ll stay the course in sending topic-specific communications like we currently do — thank you for confirming that.

• Pass it on. We learned that 65 percent of respondents often forward SHAZAM’s communications to their colleagues. We’re glad to hear you’re using our communications to keep your staff well-informed and on the same page. We’ll try to keep in mind the various audiences our memos can reach when sending out our communications.

If you didn’t have a chance to complete the survey, don’t worry — we’ll periodically be asking for your feedback.

QUESTION: What’s the shortest word in the English language that contains the letters a, b, c, d, e and f?

ANSWER: Feedback. Never forget that feedback is one of the essential elements of good communication. Thank you for yours!

SPOTLIGHT N SERVICE MARCH 2018

FRAUD & RISK

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THE WHO, WHAT, WHEN, WHERE AND WHY OF COMPROMISED CARD ALERTS

WHAT HAPPENS BEHIND THE SCENES AND WHAT TO DO WHEN YOU GET AN ALERT EMAIL

SHAZAM goes into immediate response mode when we learn of an industry data breach. Whether we’re notified by Mastercard® or Visa®, or identify a possible merchant breach on our own, we send an alert email to all institutions with affected cardholders.

Who receives the alert email?We send alert emails to all of the Fraud and EFT Operations contacts you’ve designated in our database. You can add, change or remove these contact roles through SHAZAM® Web Rep.

It’s a best practice to review your contact roles a few times each year to ensure the right people at your institution are receiving our communications.

What should I do with the information?When you receive a compromised card alert, you’ll want to download the data files, read the compromise description, and make a decision as to how you’re going to handle the compromised primary account numbers (PANs).

What does SHAZAM do with the information?SHAZAM will add the compromised PANs to special rules in FICO® Falcon® Fraud Manager for two years. If you’re a Falcon user, this means that for the type of data at risk, we’ll monitor transactions using that data at a higher level to reduce losses.

When does SHAZAM send alerts?We’ll send you the alerts the same day we receive them, with the exception of weekends and holidays.

Where can I find the details of the compromise?For each compromise, we publish two data files in SHAZAM Access > Files > Fraud:

• One file contains a full description of the event and details the data at risk (Track 1 & 2, account number, expiration date, etc.).

• The other file is a comma-separated values (CSV) file. It contains cardholder information such as cardholder name, address, telephone number, card number, account status, expiration date and more. This file must be converted to an Excel® spreadsheet, but can be very helpful in deciding what action to take on the compromised PANs.

Keep in mind that these files only remain in SHAZAM Access for seven days. We encourage you to download and save them internally for future reference.

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SPOTLIGHT N SERVICE MARCH 2018

Why do these always seem to be sent late in the day on Fridays?Unfortunately, sometimes that’s when we receive them, and we want to provide the notices to you as quickly as possible. However, knowing that we’ve added the PANs to special monitoring in Falcon may allow you to leave for the day, enjoy the weekend, and address any action you wish to take when you’re back in the office.

Why is the merchant name not always included?SHAZAM can only provide the merchant name if we receive it from Mastercard or Visa, or if the merchant has publicly announced the breach. Ultimately, the merchant’s name shouldn’t be a factor in what action you choose to take.

For more informationFor more details on the who, what, when, where and why of compromised card alerts, go to SHAZAM Access > Fraud Watch > Compromised Card Information. There you’ll find the following sections:

• Receiving Compromised Card Notices This section provides the different alert number structures, the ways in which a card can be compromised, and a link to instructions for converting the CSV file to an Excel spreadsheet.

• Responding to Compromised Card Notices This section offers items for consideration and handling options.

• Compromised Card Notices FAQs Here you’ll find answers to the most commonly asked questions about these notices.

• How to Download Compromised Card Reports This section explains how to save files and convert the CSV file.

• Sample Notice Template We’re offering a template you can use to notify your cardholders of the breach, the action you have or are going to take, and steps the cardholder may wish to take. You can modify this content as needed.

You can always contact SHAZAM fraud operations at 800-537-5427, ext. 2899, with questions.

We’re here to help you manage risk and keep cardholders safe.

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FRAUD & RISK

FRAUD & RISK

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WHEN ‘FREE’ ISN’T REALLY FREE: BEWARE OF FREE TRIAL OFFERS

How to avoid these feesThe Federal Trade Commission offers the following tips to help consumers, your cardholders, avoid these unwanted fees:

• Research the company online. See what other people are saying about the company’s free trials — and its service. Complaints from other customers can tip you off to “catches” that might come with the trial. • Find the terms and conditions for the offer. That includes offers online, on TV, in the newspaper, or on the radio. If you can’t find them or don’t understand exactly what you’re agreeing to, don’t sign up. • Look for who’s behind the offer. Just because you’re buying something online from one company doesn’t mean the offer or pop-up isn’t from someone else.

• Watch out for pre-checked boxes. If you sign up for a free trial online, look for already-checked boxes. That checkmark may give the company the green light to continue the offer past the free trial or sign you up for more products — only this time you have to pay. • Mark your calendar. Your free trial probably has a time limit. Once it passes without you telling the company to cancel your “order,” you may be on the hook for more products. • Look for information on how you can cancel future shipments or services. If you don’t want them, do you have to pay? Do you have a limited time to respond? • Read your debit card statements. You’ll know right away if you’re being charged for something you didn’t order.

SPOTLIGHT N SERVICE MARCH 2018

We’ve all been there. While browsing online, you see an ad for a product or subscription service with a free trial and think, “Why not?”

Here’s why not: What appears to be a free or low-cost trial can add up to be much more. Most free trials require consumers to enter their card information to either pay for shipping or to cover future costs if the individual forgets to end the trial or subscription.

While it’s easy for cardholders to convince themselves they’ll remember to cancel the service

before any fees hit their cards, it’s not always so simple. Some deceitful businesses hide the terms and conditions of their offers in a small font or use pre-checked sign-up boxes as the default setting.

What does this mean for you? Most often, there’s limitation on the chargeback rights for these purchases. Your financial institution likely won’t be able to claim fraud and will need to pursue chargebacks through non-fraud reasons, such as “merchandise not as described,” which usually offer a low chance of success.

FRAUD & RISK

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Existing limits on EMV® liability shift chargebacks for counterfeit fraud in U.S. domestic transactions will expire as scheduled on April 13, 2018, giving your institution more chargeback rights for Visa® chip-enabled transactions. These temporary chargeback edits were communicated by Visa in June 2016.

The following items will be removed on April 13:

• $25 minimum transaction — Visa will block Reason Code 62 and Interlink Reason Code 2462 chargebacks for transactions up to $25.

• 10 chargeback maximum per account in a 120-day period — Visa will block Reason Code 62 and Interlink® Reason Code 2462 chargebacks for having more than 10 counterfeit fraud chargebacks per account in a 120-day period.

These changes will soon be incorporated into the “Can I File a Chargeback? Fraudulent Transaction: Visa Chip-Enabled Card” quick reference card in SHAZAM Resource > Quick Reference Cards > Chargebacks and Adjustments (Exception Item).

If you have any questions, you’re welcome to call SHAZAM client support at 800-537-5427 (options 2, 1) or submit a service request online using SHAZAM® Web Rep.

SPOTLIGHT N SERVICE MARCH 2018

VISA’S LIMITS ON DOMESTIC EMV LIABILITY SHIFT CHARGEBACKS

ARE EXPIRING

TERMINALS

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Many of your customers may be receiving their tax refunds or loan proceeds on a debit card from their tax preparer. Also, more benefits are being paid on government-issued debit cards. Are your ATMs ready for the additional withdrawals?

As customers withdraw funds using debit cards, your ATMs may run out of cash more frequently. You may need to replenish your ATM cash supplies more often to avoid inconveniencing your customers. You may also need to stock higher-denomination currency in your ATMs or limit the number of bills that you dispense.

Keep track of your ATMs with SHAZAM MonitorSHAZAM Monitor can assist you in providing quality customer service without a hiccup in your ATM system. SHAZAM Monitor can help ensure your ATM cash supplies are sufficient. The service can detect when there’s a low number of bills in your ATM cassettes and when your cassettes are jammed, empty or installed incorrectly. These alerts help you keep your ATMs in service.

You can learn more by reviewing the SHAZAM Monitor Reference Guide in SHAZAM Resource.

Change the mix of bills in your ATMsIt’s a good idea to keep track of how often your ATMs run low on cash and consider using currency of a higher denomination in your ATM cassettes (for example: $20s and $50s instead of $10s and $20s).

Please note: Never change currency denominations in your ATMs before discussing your options with SHAZAM client support at 800-537-5427 (options 5, 2). SHAZAM requires a 14-day lead time to process your request.

Limit the number of bills dispensedFor certain ATMs, SHAZAM can define the maximum number of bills dispensed per withdrawal or the maximum number of bills dispensed per cassette.

This option is available for the following types of ATMs:

• Diebold® ATMs

• NCR® ATMs that run APTRA™ Advance

• GRG and Nautilus Hyosung ATMs that emulate NCR NDC+

By default, SHAZAM sets these values at the manufacturer’s recommended level. SHAZAM can reduce these values but can’t exceed the manufacturer’s recommendation. Changing these values is another way to reduce the maximum amount dispensed per withdrawal transaction.

SPOTLIGHT N SERVICE MARCH 2018

ATM CASH SUPPLIES CAN DWINDLE DURING TAX REFUND SEASON

Redefining valuesIf you’d like to redefine the values in your ATM cassettes, please email a request on your financial institution’s letterhead to eftprojects@shazam.net. On the request, please include specific terminal ID numbers, along with your financial institution name, old and new cassette values, routing number, contact name and contact email address.

TERMINALS

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Microsoft® recently announced that support for Windows 7 will end in January 2020. This means that there will be no more support or software updates made to Windows 7 after that date.

To prepare for this end-of-support date, ATM manufacturers are updating their hardware and software to be compatible with Windows 10. Read on to find out the benefits of upgrading your ATMs to Windows 10 before the 2020 deadline.

Why upgrade to Windows 10?

• Upgrade security — The upgraded security provides data separation and containment features to stop new malware attacks. This includes Device Guard, which is a group of key features that harden a computer system against malware. These features can help block zero- day attacks, unknown malware threats and malicious code because it isn’t dependent on the latest anti-virus signatures.

• Stay compliant — Stay in compliance by making sure your ATM is PCI-ready.

• Mitigate risk — Running an unsupported operating system can become expensive and risky. When critical security patches aren’t available, you’re opening up your ATM to malware threats.

• Plan ahead — If you upgrade your ATM to Windows 10, you’ll ensure you’re up to date before the 2020 deadline, and you can stay secure knowing Windows 10 will be supported until October 2026.

ATM requirementsThere are three paths to making sure that your Windows ATM is capable of updating to Windows 10.

1. Software-only update — If your ATM hardware is compatible with Windows 10, you’ll only need to update the operating system, platform and application software.

2. Processor and software update — If the ATM’s processor is not compatible with Windows 10 but the other ATM hardware is compatible, you can update the processor and all the software on the ATM.

3. ATM replacement — If your ATM can’t support the upgrade, you’ll have to replace the ATM with a new one that has the supported hardware and software.

Your local ATM service specialist can help you understand the path that your ATMs will need to take based on what hardware you have.

SHAZAM will be taking the necessary steps to certify Windows 10 for the available platforms before the announced end-of-support date for Windows 7.

SPOTLIGHT N SERVICE MARCH 2018

10UPGRADE YOUR ATMs TO WINDOWS 10 FOR BETTER SECURITY AND COMPLIANCE

COMPLIANCE

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SPOTLIGHT N SERVICE MARCH 2018

INDUSTRY AND COMPLIANCE NEWS Helping you manage risk and operate safely

Treasury launches new website The Department of the Treasury launched the first phase of its new website, treasury.gov, on Dec. 15, 2017. The new site features added content and enhanced visual effects, and it will be optimized for use on a wide variety of devices including desktop computers, tablets and handheld devices.

FinCEN updates answers to frequently asked BSA questions FinCEN published answers to FAQs to provide financial institutions with guidance that will help them comply with their BSA compliance efforts. It’s not the guidance for compliance with the Beneficial Ownership rule. According to FinCEN, they’ll periodically update this information on their website.

To read the FAQs, go to fincen.gov.

Major CPU security flaws: Meltdown and SpectreSeveral media outlets have recently reported the discovery of computer processing vulnerabilities, referred to as Spectre and Meltdown, that can result in performance issues as well as unauthorized access to sensitive information including passwords or login files.

SHAZAM’s responseAs we communicated on Jan. 10 (reference code: NCNOCTNCC), you can be assured SHAZAM has a robust security program that includes active patching, thorough scanning and quick resolution of any vulnerabilities.

Upon learning about these issues, a vulnerability assessment was kicked off to determine the

scope and impact to SHAZAM systems. Based on that assessment, and the availability of vendor mitigation solutions, SHAZAM decided to immediately apply patches to impacted systems. We continue to monitor vendor mitigations and apply additional patches as they become available.

Meltdown and Spectre overviewThese two vulnerabilities exploit the speculative execution features commonly used by most modern processors. Here’s a non-technical overview of the issue.

CFPB updates civil money penaltiesThe Consumer Financial Protection Bureau (CFPB) published a final rule, effective Jan. 15, 2018, adjusting for inflation the maximum amount of each civil penalty within the CFPB’s jurisdiction. The adjustments are required by the Inflation Adjustment Act. The inflation adjustments mandated by the act serve to maintain the deterrent effect of civil penalties and to promote compliance with the law.

As examples of the inflation adjustments, the $50-per-violation statutory civil money penalty for failure to provide an annual escrow statement under RESPA will be increased to $92, with an annual cap increased to $184,767 from its original $100,000. Intentional failures to provide the statement can result in penalties up to $185 (up from $100) per violation with no annual cap. The statutory maximum penalty of $10,000 per day for a first violation of the appraisal independence requirements under the Truth in Lending Act will be increased to $11,279.

To read the final rule, go to federalregister.gov. ... continued on next page

COMPLIANCE

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OCC report discusses key risks for federal banking systemThe Office of the Comptroller of the Currency (OCC) recently reported credit, operational and compliance risks are key concerns for the federal banking system in its Semiannual Risk Perspective for Fall 2017.

Highlights from the report include:

• The credit environment continues to be influenced by aggressive competition, tighter spreads and slowing loan growth. These factors are driving incremental easing in underwriting practices and increasing concentrations in select loan portfolios — leading to heightened risk if the economy weakens or markets tighten quickly. • Operational risk continues to challenge banks because of increasing complexity of cybersecurity threats, use of third-party service providers and increasing concentrations in third-party service providers for some critical operations.

• Compliance risk remains elevated as banks continue to manage money laundering risks, as well as consumer compliance risks, particularly due to the increasing complexity in consumer compliance regulations.

The report covers risks facing national banks and federal savings associations based on data as of June 30, 2017. The report presents data in

four main areas: the operating environment, bank performance, trends in key risks and supervisory actions. It focuses on issues that pose threats to those financial institutions regulated by the OCC and is intended as a resource to the industry, examiners, and the public.

More information is available in the OCC Semiannual Risk Perspective, Fall 2017.

CSBS provides BSA / AML self-assessment toolThe Conference of State Bank Supervisors (CSBS) recently developed the Bank Secrecy Act /Anti-Money Laundering Self-Assessment Tool to assist financial institutions in the BSA / AML risk assessment process. The tool, developed with a group of state BSA / AML subject-matter experts, is meant to be adapted to each institution’s circumstances and risk profile to help institutions effectively assess and manage their BSA / AML risks, and reduce regulatory burden associated with BSA / AML risk management.

Banker tools updatedSome banker tools on Bankers Online have been updated.

• Reg. CC Hold Notice Calendar — A teller favorite, and a good tool for auditors, too. Freshly updated for deposits received this year.

• Reg. Z Rescission Calendar Calculator — Also updated for 2018.

• TRID Date Calendar — Two versions allow you to treat Saturdays as business days or not (when the general definition applies).

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CARDS

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IN SHORT, ABBREVIATE YOUR CARDHOLDERS’ NAMES

If a cardholder’s name is longer than the allowed number of characters, the name is shortened as outlined in the following steps. If a step results in an abbreviated name that’s shorter than or equal to the allowed number of characters, no further steps are performed.

1. Remove the middle name or initial.

2. Use a first initial instead of first name (for example: “J” instead of “JOSEPH”).

3. Remove the first initial so that only the last name is used.

4. Truncate the last name to the number of allowed characters (for example: “LLANFAIRPWLLGWYNGYL” on a Visa card instead of “LLANFAIRPWLLGWYNGYLL”).

Ask for cardholder preferenceAlternatively, before you order a plastic for the cardholder, you may ask the cardholder for a preferred abbreviation. For example: To avoid abbreviating “DEBORAH VANDER WAALS” to “D VANDER WAALS” on a Visa card, a cardholder could use “DEB VANDER WAALS” or “DEBORAH VANDERWAALS” instead.

Use flat print insteadAnother alternative is to select flat print instead of embossing, which allows the character size to shrink to fit the available space. Visa and Mastercard require a clear overlay on cards with flat print, which may incur an additional charge.

To make room for EMV® chips on debit cards, Mastercard® and Visa® are reducing the maximum number of characters that are allowed for cardholder names on embossed debit cards.

Visa – Consumer and business debit 26 19

Mastercard – Consumer debit 21 21

Mastercard – Business debit 26 21

Card type Previous maximum number of characters

New maximum number of characters

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CARDS

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GIFT, RELOADABLE, AND TRAVEL PREPAID CARDS: THE PERFECT CARDS FOR THE PERFECT SITUATION

Holiday spending in 2017 reached unexpected record amounts as your accountholders were out buying the perfect gift for loved ones. The holidays may be over, but giving gifts is a year-round affair. Mother’s Day, Father’s Day, graduation parties and birthdays, to name a few, are all around the corner. So it’s the perfect time for you to offer your accountholders the perfect gift: Prepaid Gift cards and reusable payment cards.

MetaBank’s® Prepaid card program provides you with a low-risk opportunity to enhance your customer offerings and generate revenue for your institution. SHAZAM has partnered with MetaBank to offer the Simplexes™ Prepaid product suite, which includes one-time-use and reusable cards.

One-time-use Prepaid cards make gift giving easy and come in a variety of designs. Your institution can begin offering Gift cards quickly, as implementation takes only three weeks or less!

Reusable cards — including Reloadable and Travel cards — give your cardholders more choices to fit their lifestyle:

• Reloadable cards can fill a variety of payment needs for your cardholders. Did you know they can also help serve members of your community who have no deposit accounts? These potential customers often pay hefty fees at retail check cashing or money transfer stores, and they make up one in 12 households in the U.S.

• Travel cards are accepted internationally and can offer extra protection to travelers worried about fraud or data breaches while they’re far from home. The travel cards come with EMV® / chip and free ATM service at over 25,000 locations worldwide, among many other features that benefit your customers.

The cards offered in the program can support either Mastercard® or Visa® and are accepted at POS terminals and ATMs worldwide. (One-time-use cards have no cash access and “Valid Only in U.S.”) Customers can replenish reusable cards via direct deposit, in-branch visits, MoneyGram®, Green Dot®, ReadyLink (Visa), rePower® (Mastercard), or at any participating Western Union® location.

Build loyalty by adding your logo and a customized message. Add non-interest fee revenue to your bottom line by setting your resale fees. Gift and Reloadable cards come in more than 40 designs, or you can create your own look. Even the website your customers visit can be customized with your logo and theme colors!

For more informationMeet a variety of money needs for your accountholders and increase your bottom line with MetaBank’s Prepaid card program. Contact your SHAZAM client executive for more information or to get started. MetaBank takes on liability and risk of the program and product suite; cards are issued by MetaBank, Member FDIC.

SPOTLIGHT N SERVICE MARCH 2018

PRODUCTS & SERVICES

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SHAZAM MARKETING SERVICES:

WE HAVE YOU COVERED

SPOTLIGHT N SERVICE MARCH 2018

We’re already a few months into 2018. As all the things you want to accomplish this year start to seem overwhelming, take a deep breath.

When it comes to all things marketing, SHAZAM has you covered. Let SHAZAM Marketing Services take your 2018 strategic plan from a goal to reality. Our in-house team of marketing experts will work with you to create engaging, dynamic and eye-catching marketing pieces.

When to startYou should start now by emailing our marketing team! Our elite team of copywriters and designers only needs 30 minutes of your time to help brainstorm a marketing plan that’s targeted, competitive and structured around your 2018 strategy.

What can we do for you?

• NEW CARD DESIGNS

• WEB / PRINT / OUTDOOR ADVERTISEMENTS

• ATM SCREENS

• EVENTS AND SIGNAGE

• CUSTOM CAMPAIGN DEVELOPMENT

DIRECT MAIL

EMAIL

STATEMENT INSERTS & MORE!

If you don’t see what you need, just ask! Odds are we can do it.

Whether your 2018 focus is financial literacy, loan growth or increased enrollment in your latest online banking enhancement, SHAZAM Marketing Services is ready and willing to help turn 2018 into your best year yet!

For more information Email sms@shazam.net

to connect with our team.

TRAINING

BE READY TO TALK ABOUT RISK

Our experts can teach you how to prepare your community for whatever may happen.

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Recent media headlines include a man trying to use explosives to rob an ATM, robbers posting pictures of their stolen bank cash on social media, and increased public warnings to look for skimmers at fuel pumps.

Are you ready to talk about these incidents if the media comes to your door? Are you prepared if your ATM is attacked? How do you answer accountholder questions about fraud from a skimmer placed on a fuel pump in your town? Would your community recognize you as its trusted expert when these things happen in your area?

If you don’t know the answers to all these questions yet, don’t worry. SHAZAM can help you mitigate risk and protect your hard-earned reputation. Prepare your staff with SHAZAM media relations training.

• Create newsworthy stories that position your institution as the expert.

• Build your brand and educate accountholders with social media posts that get shared and generate engagement.

Our experts can teach you how to prepare your community for whatever may happen. This foundation enables your financial institution to move quickly out of disaster mode and into a resolution that minimizes damage to your brand and reputation. When a critical incident strikes, you’ll be ready.

Be ready to talk about risk and how you’re helping to create a safer community. Contact your SHAZAM client executive to schedule media relations training.

r*i*s*k

TRAINING

SHAZAM Debit Card Fraud webinar

March 8: 1:30 – 3:30 p.m. CT March 20: 9:30 – 11:30 a.m. CT

The more you know about debit card fraud, the better equipped you’ll be to identify and prevent fraud as well as mitigate your fraud risk. Join us to learn about fraud categories, fraud statistics, fraud reporting requirements and many of the fraud prevention and detection services available from SHAZAM.

SHAZAM Debit Card and ATM Operations regional seminar

March 21: Moline, IllinoisMarch 28: Little Rock, ArkansasApril 25: St. Charles, Missouri

Learn everything you need to know about your ATM card, debit card and ATM programs. Topics include:

• Settlement and related reports• Prefunding• The authorization process• PIN-based adjustments and disputes• Lost and stolen cards• Captured card rules• Monthly reporting and billing• SHAZAM Access• Recent product developments

SHAZAM Chargebacks webinar

April 5: 9:30 – 11 a.m. CTApril 17: 1:30 – 3 p.m. CT

If you issue Mastercard® or Visa® debit cards, you need to understand the dispute and chargeback process for signature-based transactions. Unravel the mystery surrounding the chargeback process with this 90-minute webinar. Topics include:

• The complete chargeback cycle• Common types of chargebacks • Your financial institution’s responsibilities • Documentation needed to process

a chargeback

For more details on training events,

visit SHAZAM Access >

Training Services.

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January winners

Spotlight on Service, winner of 15 awards of publication excellence, provides you with information on the financial services industry. It’s not a definitive analysis of the subjects discussed and is not an alternative to the requirements of any regulatory agency.

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SHAZAM, Inc. 6700 Pioneer ParkwayJohnston, IA 50131 shazam.net | @SHAZAMNetwork

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‘GET TECHY WITH IT’ DEBIT REWARDS WINNERS

Congratulations to the January monthly winners for SHAZAM’s “Get Techy With It Rewards” Debit Rewards campaign, which runs January – March 2018. Each of the monthly winners will receive a $50 Best Buy® gift card.

Do you want one of your cardholders to be a lucky winner? To learn how, call SHAZAM’s marketing team at 800-537-5427, ext. 4394, or email SHAZAM Debit Rewards.

• Shelly H. of Nashville, Illinois(The Farmers and Merchants National Bank of Nashville;Nashville, Illinois)

• Hunter L. of Oregon, Missouri(Wells Bank of Platte City; Platte City, Missouri)

• Angela K. of Aviston, Illinois(The First National Bank in Carlyle; Carlyle, Illinois)

• Russell T. of Wamego, Kansas(The Bennington State Bank; Salina, Kansas)

• William S. of Burlington, Iowa(Casebine Community Credit Union; Burlington, Iowa)

• Stacey S. of Beckemeyer, Illinois(Germantown Trust & Savings Bank; Breese, Illinois)

• Harlin B. of Calico Rock, Arkansas(First National Bank of Izard County; Calico Rock, Arkansas)

• Mark B. of Picayune, Mississippi(First National Bank of Picayune; Picayune, Mississippi)

SPOTLIGHT N SERVICE MARCH 2018

March 13-17, 2018 • Las Vegas • Booth #719

Visit SHAZAM at ICBA