Where’s My EMV Chip Card?

You might be asking yourself, “Where’s my Grand Savings Bank EMV chip card? What is it even?” �ese are great questions and we have the answers for you.

EMV (Europay, Mastercard, Visa) is a new global standard smart chip on debit and credit cards that make point-of-sale transactions much more secure against fraud. �e small computer chip on the card creates a unique code for each transaction at a chip-enabled terminal. Other countries like the U.K., Canada and Australia have been using this payment standard for several years and have seen an enormous decrease in counterfeit fraud. We are excited for this new worldwide standard because it means less fraud for everyone.

Replacing debit and credit cards and every payment terminal in the U.S. is a process that can’t happen overnight. �ink about every place where you swipe your card; gas stations, retail stores, ATMs, etc. �ere are approximately 1.2 billion credit and debit cards and 12 million point-of-sale terminals that need to be updated. Merchants and banks have begun replacing their technology and will continue to do so over the next year. Payment terminals that have been updated to accept chip-enabled cards still accept current debit cards, too. You may continue to swipe your current debit card as normal while the technology transitions.

You’ve probably heard “October 1, 2015” listed by media outlets as the EMV deadline. �is is the liability shift date, not a hard deadline to have new EMV cards issued or EMV terminals installed. �e liability shift means that if fraud occurs to a customer, whoever has the “lesser technology” is responsible for compensation. �is encourages businesses and �nancial institutions to update their technology as soon as possible. As a consumer, this deadline doesn’t pertain to you because you’re protected if you become a fraud victim.

Grand Savings Bank will begin providing chip-enabled cards to our customers in the beginning of 2016. You will receive your card in the mail at that time. Until then, please continue to use your current debit card as normal. If you recently had a change of address, please call and let us know so we can send your card to the correct address. More information will be on our website and sent to customers closer to the release of GSB’s chip-enabled cards.

TransACTIONNews and Viewsfrom Grand Savings Bank

In writing this article, I thought about all the things that make Grand Savings Bank special. Every bank o�ers �nancial products and you will see our products on our brochures or website. But the employees of Grand Savings Bank are the critical elements that make us the know-you-by-your-�rst-name bank.

From the moment you walk in the front door of our locations, you are welcomed into the Grand Savings Bank family of friends and neighbors. �e best part of our day happens when we get to see a customer’s new baby in the lobby for the �rst time, meet a new family just moving into our area or hear how excited our customers are about a new home.

We want to help every individual, every family and every business in the communities we serve accomplish their �nancial goals. We focus on listening and understanding our customers’ needs and �nding the best �nancial product to meet those needs.

It is our goal to be able to make dreams come true for our Grand Savings Bank family of customers. Come by one of our seven locations in Northeast Oklahoma and Northwest Arkansas and see what Grand is all about!

R. Mark Londagin,President - Grove

Londagin’s Letter

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Featured Product

New GSB Credit Card - We’re now o�ering Visa Classic® and MasterCard Classic® credit cards with competitive interest rates and a number of other bene�ts. With these cards, you’ll also receive the friendly service of your local community bankers. Visit our website to download an application and apply today!

800-460-2070www.grandsavingsbank.com

News You Can Use:

Wait, what’s the card called? You will hear the new EMV compliant cards referred to as any of the following:• Smart card• Chip card• Smart-chip card• Chip-enabled card• EMV smart card• EMV card

Fall 2015

Community Involvement

Local Football Game SponsorshipsWe’ve been full of school spirit this fall and sponsored numerous football games in the communities we serve. We ordered custom shirts for each school to throw out at half-time and cheered on our local teams!

Arkansas Realtor ConventionSome of our mortgage lending team members had a booth at the Arkansas Realtor Convention. Attendees were able to spin the GSB prize wheel to win prizes ranging from gift cards to awesome camo hats.

JBU Athletics SponsorWe’re proud to support JBU Athletics! Make sure to check out our new scoreboard sign in the Golden Eagles’ gym.

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�e change of the fall season ushers in cool weather, fall foliage and football. �e thrill of “Friday night lights” makes it an especially exciting time of year for our high school students.

Grand Savings Bank strives to help prepare our high school students for success and is pleased to be able to assist students with our Extreme Student Starter Program. �e program establishes a student’s �rst checking account and credit to get their �rst step for adulthood on the right track.

Parents, let us partner with you to teach the basics of banking and credit to your young adults so they are prepared for the real world. For more information on the program, visit the Borrow tab on our website or talk to any loan o�cer.

Guy Cable,CEO

Cable’s Column

News and Views from Grand Savings Bank

Fall Loan Special

We �nance fall fun! Motorcycle/ATV loans are as low as 4.25% APR* and motor home loans are as low as 4.50% APR*. Easily apply on our website by

clicking on the “apply” tab at the top of the page, or �ll out an application with your go-to loan o�cer. Don’t let these great rates zoom right past you!

“Community Banking with Superior Service and State-of-the-Art Technology.”

Important DatesOCT. 15, 2015| Join us at our Grove location for the Grove Area Chamber After Hours, 5 - 6:30 p.m. We will have refreshments, appetizers, giveaways and more!

NOV. 6, 2015 | Join us at our Siloam Springs location for the Siloam Springs Chamber First Friday Co�ee, 7:30 - 8:30 a.m. Co�ee, breakfast bites and networking are on the menu!

Pay My Bills Sweepstakes

Pay your bills through Grand Savings Bank’s online Bill Pay and you will be eligible to have all of your bills paid, up to $2,500!* �e more bills you pay, the more entries you receive. �is promotion is valid October 1 - December 31. A winner will be announced in January.*Promotion hosted by ACI, GSB’s online banking provider. Visit the GSB website for a complete list of terms & conditions.

Move Your Money CD Special

1.26%APY*

36-Month Multi-Deposit CD

*Annual Percentage Yield (APY). Minimum balance required to open is $1,000. APY is accurate as of 9/15/2015. Maximum deposit is no more than $250,000. No brokers, please. Not valid with money currently in a CD at Grand Savings Bank. Personal accounts only. Interest is non-compounding and must be directly deposited into a checking account with Grand Savings Bank on a monthly or quarterly basis. Early withdrawal penalty of six months applies. Fees could reduce earnings.

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Susie Dilbeck, Employee of the Month

How long have you worked at Grand Savings Bank and what is your role? I have worked for the bank for 12 years. During that time, I’ve been a teller, new accounts rep, loan assistant, administrative assistant and a consumer loan processor.

What’s your favorite part about your job? My favorite part about my job is helping our customers.

What’s your favorite GSB memory? When the Jay branch moved into their new building.

Tell us about your family. I’ve been married to Mike for 36 years. He’s the Superintendent for the Oklahoma State Highway Department. We have one son, Rowdy, who is a teacher for Bixby Schools in Tulsa. Our daughter-in-law is a PA in Tulsa.

We have a two-year-old grandson, Jase.

What are your hobbies? My grandson, Jase, riding our Harley and my �ower gardens.

What’s something interesting about you that most people don’t know? Before I started working for Grand Savings Bank, I owned and ran a breeder hen farm for 13 years. I grew for Tyson foods. I would gather a million eggs a year by hand.

What’s your favorite…• Book? The Notebook • Movie? Secretariat • Food? Any vegetable • Vacation Spot? Mt. Magazine State Park

News and Views from Grand Savings Bank

#Social Media Snapshot

Employee Q&A

New Debit Cards Available

We’re excited to reveal our latest local debit card designs!

We now o�er cards featuring Siloam Springs’ picturesque Main Street and mascots for the

Gentry Pioneers and Decatur Bulldogs.

We currently o�er custom debit cards for the following schools:

• Grove • Jay• Colcord • Kansas• Fairland • Bentonville• Rogers Heritage • Rogers Mounties• Siloam Springs • Gentry• Decatur • Pea Ridge

Visit the “Discover” tab on our website to see graphics of each card!

800-460-2070www.grandsavingsbank.com

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News and Views from Grand Savings Bank

The Grand Travelers Are Going Places!

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Upcoming Regional Trips

Experience these locations like never before with the Grand Travelers. Let Susie do the planning and all you have to do is relax and enjoy the fun!

Bella Vista Arts and CraftsOctober 15, 2015 $85.00 ppOur day of arts and crafts begins in Bella Vista at Spanker Creek Farm, a beautiful Ozark outdoor setting. In the afternoon we will head to Frisco Station Mall located in Rogers. We will shop ‘til we drop!

Arkansas Autumn SplendorOctober 26-28, 2015 $375.00 ppEnjoy the autumn foliage on this scenic drive to Wilhelmina State Park. �e route o�ers mountain vistas unsurpassed in mid-America of forested peaks and valleys, lakes and streams. �is tour includes: Talimena Scenic Drive; overnight at the newly renovated Queen Wilhelmina Lodge with dinner and breakfast; overnight at DeGray Lake Resort State Park with dinner and breakfast; picnic lunch at Lake Dardanelle; two interpretive programs; and deluxe motorcoach transportation.

Lone Star ChristmasDecember 2 - 5, 2015 $589.00 ppMark your calendars for this 3-day tour in North Texas. Highlights include the Dallas Arboretum and the Gaylord Texan’s ICE exhibit. More details may be found on the Grand Traveler’s page of the GSB website.

Saturday Night FeverMarch 31, 2016 $105.00 ppOne of the most beloved dance stories of all time now in a spectacular new production, Saturday Night Fever is the coming of age tale of young Tony Manero who learns the value of life in 1970s Brooklyn. Based on the 1977 movie starring John Travolta, Saturday Night Fever is packed with legendary hits from the Bee Gees. Also included is dinner at Midway Cafe; deluxe motor coach transportation and driver gratuity.

August 13 - 25, 2016Visit our Northern neighbors like never before with this trip! Tour Includes:

• Guided tours of the beautiful Island of Coudres• Guided tour of Montreal• Guided tour of Quebec City• Whale watching on the calm waters of Bay St. Catherine• Visit to the St. Anne De Beaupre Shrine• 12 nights lodging including 3 nights on the Island of Coudres• 23 meals: 12 breakfasts; 1 lunch; and 10 dinners• Motor coach transportation• Driver gratuityU.S. passport required for this trip. Optional tour insurance is available. $1,365 pp dbl $1,344 triple/quad$1,854 single

October 23 - 31, 2016 �e American Queen is not a cruise. It’s a historic experience where history unfolds around every bend of the river. You’re discovering Mark Twain’s America at seven miles an hour on a paddlewheel powered time machine. So step on board and experience America in style as the American Queen takes you on a journey that you will never forget. Tour includes: • Roundtrip airfare from Tulsa• 1 hotel stay with full American Breakfast• Cruise (port charges, gov’t. fees, taxes) • Transfers to/from ship• Complimentary shore excursions with every port• Complimentary beer and wine with dinner • Travel insurance• All gratuities• Transfers to/from Tulsa airport$3,570 pp dbl, inside cabin$4,250 pp dbl, outside cabin$4,845 pp dbl, balcony cabin

Breakfast ClubOctober 19 & December 21, 2015Church of the Shepherd, Grove.Free co�ee and refreshments start at

9:00 a.m. and the program is from 9:30 - 10:30 a.m. Everyone is invited to join us for fun and fellowship with your Grand Traveler friends.

Lunch BunchJoin us every month for lunch at some of our favorite restaurants around Grand Lake!October 22, 11:30 a.m.Lupe’s, enjoy 10% o� your meal!

November 20, 11:30 a.m.Hilltop, free co�ee & tea

December - TBA

Call Susie Law, Grand Traveler Tour Director, to sign up or get more information.918-786-2203 • 800-460-2070Visit the GSB website for detailed trip descriptions.All tours escorted by Susie Law.

Sign Up Today!

Canadian Island Trip