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May 2013 | Volume 10 | Issue 6

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Password Protection Measures

Keep Your Information and Money Safe

Protect yourself with the help of your community bank

Last month First Community Bank and Trust sponsored its semi-annual Document Disposal Day in Beecher. We destroyed over 4,000 pounds of paper containing confidential information, thereby destroying any chance of that information being used for fraudulent purposes.

But what about that information that isn't on a piece of paper, but is stored on your computer? Have you taken every possible step to keep it safe from being stolen? The key to keeping your online information safe is by being vigilant in managing your passwords for all of your online activity. Think of passwords like you would underwear: they shouldn't be shared with others, they shouldn't be shown to others and they should be changed often (maybe not everyday, but often).

According to Joe Siegrist, CEO at password management software vendor LastPass, the #1 mistake people make is using the same password for more than one account. Yes, it is easier to remember one password than ten different ones, but once that password is compromised, hackers can start breaking into other accounts. Using unique passwords for every account is vital to maintaining a high level of security.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Investment Center News

Diversification, Patience and Consistency

Three important factors when it comes to your financial life.

Presented by Clint Squier & Jim Ulman, Registered Representatives
Prepared by MarketingLibrary.Net Inc.

Regardless of how the markets may perform, consider making the following part of your investment philosophy:

Diversification. The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear OR bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say, mostly in mutual funds, or mostly in CDs or money market accounts), you could be hit hard by stock market losses, or alternately lose out on potential gains that other kinds of investments may be experiencing. So there is an opportunity cost as well as risk. This is why asset allocation strategies are used in portfolio management. A financial professional can ask you about your goals, tolerance for risk, and assign percentages of your assets to different classes of investments. This diversification is designed to suit your preferred investment style and your objectives.

Patience. Impatient investors obsess on the day-to-day doings of the stock market. Have you ever heard of “stock picking” or “market timing”? How about “day trading”? These are all attempts to exploit short-term fluctuations in value. These investing methods might seem fun and exciting if you like to micromanage, but they could add stress and anxiety to your life, and they may be a poor alternative to a long-range investment strategy built around your life goals.

Consistency. Most people invest a little at a time, within their budget, and with regularity. They invest $50 or $100 or more per month in their 401(k) and similar investments through payroll deduction or automatic withdrawal. In essence, they are investing on “autopilot” to help themselves build wealth for retirement and for long-range goals. Investing regularly (and earlier in life) helps you to take advantage of the power of compounding as well.

If you don’t have a long-range investment strategy, talk to a qualified financial advisor today.

Clint Squier and Jim Ulman may be reached at 708/946-2246

 

Jim and Clint

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: * Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Services Advisory Services Agreement and disclosure brochure as provided.

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Upgrades to First eMobile Make Mobile Banking Easier Than Ever!

Starting late 2nd quarter or early 3rd quarter 2013, users of our mobile banking service, First eMobile, will be able to send, receive or request money using Popmoney and will also have the option of accessing their accounts by text or through our new app, in addition to the mobile browser.

Popmoney is the way to pay other people via text or email. We introduced this new service earlier this year to First ePay users through First eBanc, however it was not available through our mobile service. Now, First ePay users will be able to send, receive and request money no matter where they are! Once logged in through First eMobile, users will see a link for Popmoney where they can initiate, accept or request payments from other people, just like they would using their computer.

In addition to Popmoney, users will also be able to access their accounts in three different ways - by text, mobile browser or a downloadable app.

Access Accounts in Three Ways!
Previously, all First eMobile users were required to use the link and one-time password provided by the bank in order to access accounts. Now, users have three options - SMS/text messaging, mobile browser and a phone app - to make it easier to get the information they need.

Text Message
Using the bank's short code simply text "BAL" and your account balance will be sent back to the subscriber's cell phone. Users can also see recent account activity by texting "HIST”. A list of options will be listed on the First eMobile web page on the bank’s web site.

Mobile Browser
By using the link provided in the initial text message at setup, users can easily check account balances, review recent account activity, transfer money between accounts, pay bills, change/cancel pending payments, and find ATM/branch locations.

Downloadable Phone App
The new "Touch Banking" app will take the user to the log in page where, once the proper login credentials are supplied, users can easily check account balances, review recent account activity, transfer money between accounts, pay bills, change/cancel pending payments, and find ATM/branch locations. The app combines the full power of and convenience of a mobile device, maximizing its interactive features and functionalities. The App will be available on several platforms, including iPhone, Android and Windows-based phones.

Security Still The Top Priority
Employing the industry's best security practices, First eMobile uses authentication measures and 128-bit encryption for all transactions, regardless of which access method is used. In addition, mechanisms such as transaction validation and transaction reconciliation processes are incorporated to detect fraud. If your phone or device is ever lost or stolen, rest assured that no files containing personal or financial information are saved to your phone or device. That information stays strictly within online banking and can only be accessed when properly logged in.

Current First eMobile users will appreciate the convenience of our upgraded service. And anyone who is considering mobile banking will discover how easy it is to keep up even when on the go. For more information about First eMobile, please call us and ask to speak with a new account representative.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Gold Club News

Upcoming Casino Trip

Horseshoe Casino, Hammond IN – Thursday, July 25, 2013

Join us as we travel to Hammond, Indiana and the Horseshoe Casino to experience the excitement of the games, shopping and dining.

We will leave from our Peotone location at 9:00 am and from our Beecher location at 9:30 am. The bus will depart the casino at 3:40. Cost is $27 per person ($29 for non-customers) and includes transportation, buffet lunch and a $10 coupon for gaming.

To register for this trip, call Irene at First Community Bank and Trust at 946-2246.

All reservations must be paid in full by July 10, 2013. Unpaid reservations will be removed from the list.

View First Community Gold Club Web Page

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Member FDIC | Equal Housing Lender An Equal Housing Lender

Our Gold Club is for those customers who are 55 years of age or better and have at least $1,000 in any combination of accounts with our bank. Members receive increased rates on CDs, free check offers, two free dinners per year, and much more. First Community Caravan is open to anyone and can be enjoyed by customers and non-customers alike. If you are interested in signing up for our Gold Club or for one or more of our trips, contact Irene Brothers today at 708.946.2246

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2013 Customer Appreciation

Father's Day

Shine the spotlight on Dad this Father’s Day with a bright pocket flashlight! Be sure to stop by either of our locations on Friday, June 14th or Saturday, June 15th to pick up a flashlight for dear old Dad!

View the entire 2013 Customer Appreciation Calendar

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Member FDIC | Equal Housing Lender An Equal Housing Lender | Financing Subject to Credit Approval

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