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Dominating the news: The Durbin Amendment �������������������������������������������������������2

Add quick, convenient SMS alerts for SHAZAM BOLT$ �������������������������������������������4

Lights, camera, action! �������������������������������������������������������������������������������������������5

Vendor management information available in SHAZAM Access ������������������������������6

Core news corner ���������������������������������������������������������������������������������������������������7

When contacting fraud team, consider fast alternatives to secure email ���������������9

Use Web Rep for Falcon forms �����������������������������������������������������������������������������10

Mastercard implements time limit for chargeback protection related to

authorizations ��������������������������������������������������������������������������������������������������11

Mastercard revises standards for 2 chargeback message reason codes �������������12

Trustwave security resources ��������������������������������������������������������������������������������13

Clover’s advanced terminal options ����������������������������������������������������������������������14

Visa merchant location rules and compliance program updates ��������������������������15

SHAZAM training ��������������������������������������������������������������������������������������������������16

‘Ready, Set, Shop’ winners �����������������������������������������������������������������������������������17

Spotlight on Service — April 2017 2

Dominating the news: The Durbin Amendment

Maintain competition and routing in payments The debate over regulating the payments industry has become more important than ever with vigorous activity around regulatory rollback and repeal. Preventing price fixing and regulatory overreach in the banking profession are important considerations, but preserving the interest of community banks and credit unions should be at the heart of the debate.

In recent weeks, rhetoric supporting the idea that efforts to repeal Dodd-Frank should include a complete repeal of the Durbin Amendment has

dominated the news. Much of the chatter is focused on pricing controls imposed under Durbin, with no consideration or little understanding of the second unaffiliated network requirement provision and prohibition on routing restrictions, which protects competition in the debit payments market.

What bankers know, and some of the op-ed authors have forgotten, is the best way to keep your costs in check is to make sure there is healthy competition between providers. The two unaffiliated network requirement and prohibition on routing restrictions do exactly that. They preserve the right to choice and flexibility for both bankers and merchants, and diminish influence that entities with significant market power

would leverage to create longer-term damage in the market.

It is simply not true to suggest routing choice is only a benefit to merchants. The contention that merchants hold the only choice in routing a transaction falls apart when one simply turns over their debit card to see, plainly, it’s the bank or credit union that chooses its network partners.

So, what happens if that choice for the banks and credit unions is taken away? Without routing choice, smaller institutions, in particular, have no protection against punitive fees or costly brand mandates, and they will see costs go up sharply. That erodes interchange profit and creates a payments ecosystem where innovation is stifled.

The Durbin Amendment passed as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) in 2010. It’s a hot topic among bankers and associations, and the focus has been on interchange and a full repeal.

SHAZAM’s stance regarding the Durbin Amendment is simple: Regardless of proposed regulatory rollbacks in the Dodd-Frank Act, the best option for community financial institutions to maintain choice and flexibility is to keep the requirement for a second unaffiliated network and keep the prohibition on debit transaction routing restrictions.

Paul Waltz, SHAZAM’s president and CEO, recently wrote an op-ed article that we’re submitting to industry publications. The article, copied below, explains SHAZAM’s stance on the topic. If you haven’t read the article yet, we hope you’ll read it and discuss with your staff members, associations and board members.

By Paul WaltzPresident & CEO

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Legal

Spotlight on Service — April 2017 3

The introduction of chip cards and tokenization like Apple Pay® or Samsung Pay® have, virtually overnight, inserted proprietary technology into what was an open, standards-based payments system. After the initial rollout of chip clearly showed undue influence of routing, the Federal Reserve had to step in and clarify rules to ensure compliance with the law.

What may be most puzzling is the effort by some to dismiss the safest transaction in the entire system, the PIN-based debit transaction. Globally, the largest networks extoll the security benefits of PIN, and advocate its

use. One has to ask, then, “Why would anyone argue that PIN is harmful to community financial institutions and to consumers here in the U.S.?”

As a network and processor owned by community banks and credit unions, SHAZAM isn’t supportive of government price controls, even though most of our participants aren’t affected by Durbin’s interchange caps. However, we feel it’s critical community banks and credit unions maintain the benefit that comes from the requirements that there be at least two unaffiliated routing choices for debit transactions along with the prohibition on routing restrictions.

The competition in the U.S. for debit processing services has allowed for innovation over the last 40 years. In addition, it serves as one of the last lines of defense for community financial institutions to have choice and flexibility, and enables their participation in electronic payments.

If the protection provided by Durbin is lost, the bank or credit union in your hometown may be significantly harmed. The dual-routing requirement and prohibition on routing restrictions in the Durbin Amendment protect the entire ecosystem from falling victim to those whose only motivation is their own bottom line.

Durbin – Continued from previous page

If you have any questions about the Durbin Amendment, please contact your SHAZAM client executive.

Legal

Spotlight on Service — April 2017 4

Products and Services

SHAZAM recently enhanced the SHAZAM

® BOLT$™ app to include text message (SMS) alerting. SMS alerting is an optional feature that provides an alternative to email alerting.

This enhancement will help meet cardholders’ demand for quick, convenient alerts to keep up with their busy lifestyle. The quicker your cardholders see a SHAZAM BOLT$ alert, the quicker they can react to potential fraud!

If you’re not yet using SHAZAM BOLT$ or the SMS alerting option, contact your SHAZAM client executive today to learn more.

About BOLT$With the SHAZAM BOLT$ app, your cardholders can access balance information anytime, anywhere via their smartphones, tablets or the internet.

Your cardholders can also:

• Create transaction alerts for fraud protection. Email or SMS alerts can be generated for:

• Transactions over a set dollar amount

• Internet and phone transactions

• Transactions outside the U.S.

• Suspected fraud (if your institution subscribes to FICO® Falcon® Fraud Manager)

• Pause their cards with Transaction Control.* With the quick tap of a button, cardholders can block or unblock their own missing or stolen cards.

• Perform person-to-person (P2P) money transfers.* Your cardholders can send money to virtually anyone. It’s safe, convenient and instantaneous.

• Locate nearby ATMs. Users can locate the nearest ATM, confirm whether it’s a surcharge-free Privileged Status® terminal and get directions.

* Optional feature

For more informationIf you have any questions about SHAZAM BOLT$ or the new SMS alerting option, contact your SHAZAM client executive today!

Add quick, convenient SMS alerts for SHAZAM BOLT$

Spotlight on Service — April 2017 5

Products and Services

If a picture is worth a thousand words, how much is a moving picture worth?

If you’re looking to spice up your financial institution’s social media accounts, one easy way to do that is creating videos through mobile video apps.

Don’t be alarmed. Your cardholders and digital followers aren’t looking for you to be the next Martin Scorsese or Steven Spielberg. But they do appreciate being entertained by a 30-second or one-minute video while looking at their newsfeeds. All you need is a smartphone.

Video topics can range from highlighting a specific employee or department to a company outing or fundraiser. The video theme could be educational as well, with whatever financial topic is trending in the current news of the day.

Video appsHere are some free digital apps you can use to create videos:

• Storyo — If shooting video isn’t your forte and you’re more comfortable taking photos, this is the mobile app for you. This app is solely about taking photos and making them into video clips. You just select the photos you want, and the app creates the video imagery for you. Available for Apple® and Android® devices.

• Videoshow — This app is designed for simple video or picture editing. It’s an “all-in-one” video editing app that has numerous features. Available for Apple and Android devices.

• Splice — This video editing app includes many transitions and effects. It provides the performance of a desktop editor on a mobile device. Available for Apple devices.

• Quik — This mobile video app is geared toward quick, entertaining videos. It analyzes your footage to find great moments, transitions, and effects and then syncs everything to the beat of the selected music. Available for Apple or Android devices.

The trick to mobile video apps is the more you use them, the easier it gets.

You don’t have to use every effect all at once. Start with adding text or upbeat music to your videos. You can choose which picture or video slides go where, and make sure your creation tells a story from beginning to end.

You can also create videos with standalone photos and video clips. The opportunities are endless. Before you know it, you’ll be creating short videos in the span of five minutes.

All you have to do is select what you want and the app does all the hard work for you. It’s a great way to jazz up your social media content and move it forward.

Lights, camera, action!Create more entertaining content for your business’ social media accounts through easy-to-use mobile video apps

Spotlight on Service — April 2017 6

Financial institutions have several vendor management and due diligence requirements that must be performed annually, and now is a popular time of year for these activities. The documents outlined below are available to help you complete your activities.

Managing outsourcing riskThe Federal Reserve Board has provided Guidance on Managing Outsourcing Risk (SR 13-19 / CA 13-21) to remind financial institutions to exercise appropriate risk management and oversight when using service providers. A service provider is defined as any organization or entity, such as a consultant, that enters into a contractual relationship with a financial institution to provide business functions or activities, such as accounting, auditing, loan review, compliance and risk management.

The guidance doesn’t discourage financial institutions from outsourcing activities to service providers, but it says firms should be aware of the potential risks. If service provider relationships aren’t managed effectively, they may expose financial institutions to risks that can result in reputation problems, financial loss or regulatory actions, according to the guidance.

Vendor management information available in SHAZAM Access

SSAE 16 SOC 1• Statement on Standards for Attestation Engagements No. 16

(SSAE 16) report for 2016

• SSAE 16 report for 2015

Regulations & Compliance• The Durbin Amendment

• Regulation DD — Disclosure Practices Related to Balance Disclosures

• Regulation E — Overdraft Rules

• Regulation GG — Unlawful Internet Gambling Enforcement Act

Insurance• Insurance Summary

• SHAZAM Certificate of Liability Insurance

• SHAZAM Certificate of Fidelity Insurance Financial Institution Bond / Crime Policy

• SHAZAM Certificate of Insurance — Errors and Omissions

OtherSHAZAM Annual Report

R e s o u r c e s

Audit and Compliance tabFor SHAZAM participants with a SHAZAM Access login, there are dozens of documents available

to you for free through the Audit and Compliance tab in SHAZAM Access. Listed below are some of the resources and reference materials available through SHAZAM Access.

SHAZAM Access

Spotlight on Service — April 2017 7

Core

Improving website accessibilityThe Department of Justice (DOJ) recently published the ADA Best Practices Tool Kit for State and Local Governments, which includes website accessibility guidance and a checklist that can be used to verify compliance with the Americans with Disabilities Act (ADA).

The tool kit is primarily geared toward state and local governments, which are governed by Title II of the ADA. However, these tools can help financial institutions improve their own website accessibility. The DOJ has indicated that the Title II rulemaking will significantly affect the website accessibility standards under Title III regulations, which are expected to be issued in 2018.

The guidance identifies common website accessibility problems and proposes solutions and other considerations that are useful in developing ADA-compliant websites. It also includes a detailed action plan for making existing web content accessible.

The checklist is designed for use in conducting a preliminary assessment of the accessibility of your website. The goal is to review your website and your website’s policies and procedures to see if there are red flags alerting you to ADA accessibility concerns.

Core news cornerWebsite accessibility, FAQ release and more

The 2017 SHAZAM Core Services User Group Meeting will take place May 9 – 12. The event will be held at the Embassy Suites by Hilton Denver Downtown Convention Center in Denver, Colorado. We look forward to seeing you in Denver this year!

About the convention centerThe convention center is a gateway to Denver’s lively downtown scene. A contemporary convention venue, the hotel is within walking distance of the best attractions in the downtown area. Each room is a two-room suite with a separate, spacious living area.

Hotel reservations The group hotel rate is $199 per night for a single or double. The triple rate is $214 and the quad rate is $229. These special rates are available two days before and after the meeting. However, they’re subject to availability.

Please make your reservation with the hotel directly by calling 303-592-1000 and identifying yourself as an attendee of the SHAZAM Core Services User Group Meeting to receive the group rate. You can also reserve your room online by visiting Hilton’s room reservation page for the event. The cutoff date for the discounted rates is April 10. Reserve as soon as possible! Once the block is full, rooms will be on a space-available basis at the hotel’s normal rate.

How to registerIf you’re interested in attending the event, simply fill out the 2017 SHAZAM Core Services User Group Meeting Registration Form and mail it to the user group’s treasurer listed on the form.

Please Note: At this time, only SHAZAM Core Services clients can attend the SHAZAM Core Services User Group Meeting.

J o i n u s a t t h e U s e r G r o u p M e e t i n g !

– Continued on next page

Spotlight on Service — April 2017 8

Money Smart AllianceConsider joining the Money Smart Alliance, a network of financial institutions, nonprofits and governmental organizations that use financial education curriculum from the Federal Deposit Insurance Corp. (FDIC) to provide training to consumers, small businesses and others.

Qualified organizations can join the alliance or renew their membership on the program’s website, which offers the ability for organizations to find potential collaborators and for consumers to find the names of organizations that may be offering training.

FAQ on CECL standard and implementationThe FDIC, Board of Governors of the Federal Reserve System, National Credit Union Administration (NCUA) and Office of the Comptroller of the Currency (OCC) have issued an FAQ document on the Financial Accounting Standards Board’s Current Expected Credit Loss (CECL) standard and the implementation process.

The FAQ does the following:

• Summarizes the new standard

• Provides initial supervisory viewsregarding the implementation ofthe new accounting standard

• Outlines steps financialinstitutions can take to preparefor implementation

The CECL standard will take effect in 2020 for Securities and Exchange Commission (SEC) registrants and in 2021 for all others.

HMDA compliance resources The Consumer Financial Protection Bureau (CFPB) has updated its compliance resources on the Home Mortgage Disclosure Act (HMDA) rule filing requirements.

The resources include a webinar that discusses identifiers and other data points, including those related to applicants and borrowers. It also provides a chart that illustrates financial institutions’ options for collecting and reporting ethnicity and race information required by Regulation C.

FEMA emergency preparedness tips for seniors, spring floodingWe encourage you to share the following information with your cardholders.

The Federal Emergency Management Agency (FEMA) is reminding seniors about the importance of updating emergency plans as their needs change and adding necessary items to their emergency kits. A few other measures recommended by FEMA’s Ready.gov site include:

• Keeping specialized itemsready, including extra wheelchairbatteries, oxygen, medication,food for service animals, etc.

• Keeping written copies ofprescriptions, over-the-countermedications and orders formedical equipment, includingdosage, treatment and allergyinformation in the emergency kit

• Making a list of the type andmodel numbers of the medicaldevices you require

Core – Continued from previous page

Core

Spotlight on Service — April 2017 9

Fraud and Risk Management

Fraudsters never give up! They think of new tricks and trends to obtain personal information and data all the time. One of the newer scams involves using the encrypted secure email process to trick an email recipient into clicking on links designed to install malware, which will enable the fraudsters to extract and steal data.

You may be sending secure emails to the SHAZAM fraud operations team for a variety of reasons. Examples include updating a FICO® Falcon® Fraud Manager case, submitting the SHAZAM Case Management Travel Notice or Falcon Real-Time Scoring Exclusion Form, and just for general correspondence.

New rule effective March 1In an effort to protect your data, SHAZAM’s corporate security team will review for legitimacy any secure emails received by our fraud operations team. This review process may take up to 72 hours, delaying the receipt of your email by the fraud team.

Faster optionsTo avoid the possible delay of secure email, here are a few fast alternatives for contacting SHAZAM fraud operations.

Updating Falcon cases• There’s no secure or personal

information contained in these

emails, so you can respond to them via regular email.

• Have your passcode ready and call SHAZAM fraud operations at 866-508-2693. We can update the case over the telephone.

Travel Notice or Real-Time Exclusion Form• Use SHAZAM® Web Rep! Web Rep

is a secure, easy way to submit these forms through SHAZAM Access. We recently updated this process so the forms are uploaded and effective within minutes.

• Have your passcode ready and call SHAZAM fraud operations at 866-508-2693. We can enter your request over the telephone.

General correspondence• Call SHAZAM fraud operations’

escalation line at 800-537-5427, ext. 2899, and we’ll do one of the following:

• Send a secure email that you can reply to (with no delay).

• Help you upload primary account numbers (PANs) or other secure information to the Secure Exchange folder in SHAZAM Access for further research.

For more informationIf you have any questions about our new secure email rule, please call SHAZAM fraud operations at 800-537-5427, ext. 2899.

When contacting fraud team, consider fast alternatives to secure email

Spotlight on Service — April 2017 1 0

Fraud and Risk Management

Why fax or email a form when you can submit it through SHAZAM

® Web Rep and have it processed by SHAZAM sooner?

To reduce faxes and emails, we encourage our clients with FICO® Falcon® Fraud Manager to use the quick, easy and secure Web Rep tool to submit SHAZAM Case Management Travel Notices and Falcon Real-Time Scoring Exclusion Forms.

Benefits of Web RepWe’ve made several recent enhancements that make it even more beneficial to submit eForms using SHAZAM Web Rep:

• The eForms are secure.

• The travel notice eForm contains a checkbox that, when selected, adds a real-time exclusion for the travel duration — and you don’t have to submit another form.

• The eForms are uploaded and effective within 15 minutes — quicker than calling them in! Faxed and emailed forms are reviewed by SHAZAM’s third-shift staff, so submitting forms through Web Rep helps you avoid a delay.

• You can view a list in Web Rep of all the eForms submitted by your institution.

For more informationIf you have any questions about submitting fraud eForms in Web Rep, please call SHAZAM fraud operations at 866-508-2693.

Use Web Rep for Falcon forms

Spotlight on Service — April 2017 1 1

Mastercard® is implementing a rule enhancement related to the chargeback protection period for authorizations and preauthorizations for regions outside of Europe.

Effective April 21, 2017, the issuer chargeback protection period will be redefined with a maximum duration of 30 calendar days for Mastercard authorizations properly identified as preauthorizations and seven calendar days for all other Mastercard authorizations. This period will now begin counting as of the authorization date.

Issuers won’t be required to hold the approved amount on the cardholder’s account for seven or

30 days — this rule change only creates a maximum amount of time. This rule enhancement defines the issuer exposure period for all transaction scenarios and limits the maximum period of issuer exposure.

Transactions after this period may be charged back by the issuer under chargeback message reason code 4808 (Authorization-Related Chargeback) if the card account isn’t in good standing (hot-carded) and can’t be collected from the cardholder.

This reason code replaces the chargeback message reason code Late Presentment, which is currently used when the time limit between the authorization date and the settlement date has been exceeded.

Mastercard implements time limit for chargeback protection related to authorizations

Fraud and Risk Management

Spotlight on Service — April 2017 1 2

Mastercard® is revising its standards for the following chargeback message reason codes:

• 4834 (Point-of-Interaction Error — Paid by Other Means)

• 4831 (Transaction Amount Differs — Paid by Other Means)

For first chargebacks processed on or after April 21, 2017, Mastercard will require issuers to provide both of the following:

• A cardholder letter, Customer Dispute Request form or email received in a secure banking environment, describing the cardholder’s complaint in sufficient detail to enable all

parties to understand the dispute and to specify the alternate means of payment

• Documentation to support the alternate means of payment with the first chargeback, which includes but isn’t limited to:

• Cash receipts

• Statements from the same card or other cards

• A canceled check

This change will provide clear and concise information to merchants to allow them to either provide a valid rebuttal to the chargeback or acknowledge the validity of the chargeback and accept it.

For more informationIf you have any questions, please call SHAZAM client support at 800-537-5427 (options 2, 1) or submit a service request online using SHAZAM

® Web Rep.

Mastercard revises standards for 2 chargeback message reason codes

Fraud and Risk Management

Spotlight on Service — April 2017 1 3

Trustwave®, an organization that helps businesses fight cybercrime, protect data and reduce security risk, recently published information on a variety of security topics, including:

• Operation Grand Mars: Defending against Carbanak cyberattacks

• Trustwave crash course on PCI: Breaking down the control objectives

SHAZAM wants you to be aware of these topics provided by Trustwave.

Operation Grand Mars: Defending against Carbanak cyberattacksCarbanak is a malware introduced to its targets via phishing emails. The Carbanak cybercriminal gang is targeting hospitality and retail businesses across the United States and Europe with unprecedented advanced persistent threat (APT)-style attacks.

To help organizations prepare and respond, Trustwave has compiled its research and forensic findings into a playbook that documents the

hackers’ every move and provides actionable recommendations.

Breaking down the control objectives The current Payment Card Industry Data Security Standard (PCI DSS) specifies 12 requirements for compliance, organized into six control objectives:

1. Build and maintain a secure network and systems

2. Protect cardholder data

3. Maintain a vulnerability management program

4. Implement strong access control measures

5. Regularly monitor and test networks

6. Maintain an information security policy

Trustwave has provided information about the first two control objectives, including requirements and how to address the requirements.

Build and maintain a secure network and systems• Requirement 1: Install and

maintain a firewall configuration to protect cardholder data.

• Requirement 2: Don’t use vendor-supplied defaults for system passwords and other security parameters.

Protect cardholder data• Requirement 3: Protect stored

cardholder data.

• Requirement 4: Encrypt transmission of cardholder data across open, public networks.

Trustwave security resources

Merchants

Spotlight on Service — April 2017 1 4

SHAZAM’s Clover® lineup offers a variety of solutions to help your business run transactions. With four different Clover options to choose from, businesses can assess their goals and pick which option best works for their specific needs!

Clover’s advanced terminal options are now available from SHAZAM. The solutions and benefits include:

• Clover Station offers TransArmor fraud protection, customization

with the Clover App Market and access to analytics and customer data.

• Clover Mini saves on space and provides a variety of connectivity options.

• Clover Mobile lets users manage their business from the palm of their hand.

• Clover Go lets users accept payments via cellular or Wi-Fi® connectivity.

Learn moreSHAZAM’s Clover solutions help your merchants function properly and smoothly. These solutions are examples of the many ways SHAZAM provides choice and flexibility to our partners and merchants.

Email merchantsales@shazam.net to learn more about Clover solutions and how they can help merchants continue their success.

Clover’s advanced terminal options

Clover Station Clover Mini

Clover Mobile Clover Go

Merchants

Spotlight on Service — April 2017 1 5

Visa® has updated its merchant outlet location rules and introduced a compliance program for accurately assigning merchant outlet locations:

• Visa recommends that acquirers review merchant portfolios to determine correct merchant locations. Merchant locations outside the acquirer’s jurisdiction should be transitioned to an acquirer licensed in the appropriate county.

• Card-absent merchants are required to use their principal place of business as the merchant outlet location.

• The merchant has a permanent location where employees work

who are responsible for the sale or distribution of the goods or services purchased in the specific transaction. This must be the actual location where business activities are conducted and accountable for how products are sold or distributed.

Acquirers that are out of compliance after Jan. 31, 2018, may be susceptible to non-compliance assessments.

For more informationTo learn more, compliance and merchant location rules can be found on Visa Online.

Visa merchant location rules and compliance program updates

Merchants

Training

Spotlight on Service — April 2017 1 6

SHAZAM trainingMay 2017

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SHAZAM Debit Card and ATM Operations regional seminarApril 5: Memphis, Tennessee

April 19: East Peoria, Illinois

May 10: St. Charles, Missouri

May 17: West Des Moines, Iowa

Description: 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 and recent product developments.

SHAZAM Chargebacks webinarApril 18: 9:30–11 a.m. CT

April 27: 1:30 – 3 p.m. CT

Description: 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

Stand out from the crowd with SHAZAM regional seminarsIt’s time to schedule your 2017 SHAZAM Debit Card and ATM Operations training. Whether you’re a new employee or a longtime veteran in need of a refresher, we can help you enhance your expertise.

Our knowledgeable trainers will sharpen your skills while you expand your professional network. We offer a variety of dates and locations for your convenience. Learn more about SHAZAM regional seminars today!

Spotlight on Service — April 2017 1 7

‘Ready, Set, Shop’ winners

• James W. of Keota, Iowa (CBI Bank & Trust; Muscatine, Iowa)

• Linda S. of Rushville, Illinois (Rushville State Bank; Rushville, Illinois)

• Stanton U. of Spencer, Tennessee (Citizens Bank; Carthage, Tennessee)

• Bobby I. of Peoria, Illinois (First State Bank of Forrest; Fairbury, Illinois)

• Randy R. of Paris, Illinois (State Bank of Chrisman; Chrisman, Illinois)

• Megan E. of Wisconsin Rapids, Wisconsin (Members Advantage Credit Union; Wisconsin Rapids, Wisconsin)

• Amy S. of Pocahontas, Arkansas (First National Bank of Lawrence County; Walnut Ridge, Arkansas)

• Lesha B. of Washington, Iowa (Washington State Bank; Washington, Iowa)

F e b r u a r y w i n n e r s

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.

To join the Spotlight on Service subscription list, send us your name, account number and email address. We also welcome your questions or comments about the newsletter.

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

Contacts

Fax numbers Chargebacks 515-558-7614Client support 515-558-7610EFT implementations 800-267-0549Fraud operations 515-558-7616

Client support Call 800-537-5427 or submit a service request in SHAZAM® Web Rep.

About the newsletter

Debit Rewards Winners

Congratulations to the February monthly winners for SHAZAM’s “Ready, Set, Shop” Debit Rewards campaign, which runs January – March 2017. Each of the monthly winners will receive a $50 Amazon® gift card.

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

BOOKS CLOTHING

SPORTS

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Ready, Set, Shop

Enroll in todayEnroll in SHAZAM Debit Rewards today!