Avoid Fraud!

10 THINGS YOU CAN DO TO AVOID FRAUD!

Source: ftc.gov

1. Spot imposters.

Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with. Don’t send money or give out personal information in response to an unexpected request – whether it comes as a text, a phone call or an email.

2. Do online searches.

Type a company or product name into your favorite search engine with words like “review,” “complaint” or “scam.” Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.

3. Don’t believe your caller ID.

Technology makes it easy for scammers to fake caller ID information, so the name and number you see aren’t always real. If someone calls asking for money or personal information, hang up. If you think the caller might be telling the truth, call back to a number you know is genuine.

4. Don’t pay upfront for a promise.

Someone might ask you to pay in advance for things like debt relief, credit and loan offers, mortgage assistance, or a job. They might even say you’ve won a prize, but first you have to pay taxes or fees. If you do, they will probably take the money and disappear. Learn where to get real help with these issues at consumer.ftc.gov.

5. Consider how you pay.

Credit cards have significant fraud protection built in, but some payment methods don’t. Wiring money through services like Western Union or MoneyGram is risky because it’s nearly impossible to get your money back. That’s also true for reloadable cards like MoneyPak, Reloadit or Vanilla. Government offices and honest companies won’t require you to use these payment methods.

6. Talk to someone.

Before you give up your money or personal information, talk to someone you trust. Con artists want you to make decisions in a hurry. They might even threaten you. Slow down, check out the story, do an online search, consult an expert — or just tell a friend.

7. Hang up on robocalls.

If you answer the phone and hear a recorded sales pitch, hang up and report it to the FTC. These calls are illegal, and often the products are bogus. Don’t press 1 to speak to a person or to be taken off the list. That could lead to more calls.

8. Be skeptical about free trial offers.

Some companies use free trials to sign you up for products and bill you every month until you cancel. Before you agree to a free trial, research the company and read the cancellation policy. And always review your monthly statements for charges you don’t recognize.

9. Don’t deposit a check and wire money back.

By law, banks must make funds from deposited checks available within days, but uncovering a fake check can take weeks. If a check you deposit turns out to be a fake, you’re responsible for repaying the bank.

10. Sign up for free scam alerts from the FTC at ftc.gov/scams.

Get the latest tips and advice about scams sent right to your inbox.

###

JD Bancshares, Inc. Reports Financial Results for Q1 2022

PRESS RELEASE
April 21, 2022
JD Bancshares, Inc.

FOR IMMEDIATE RELEASE
For more information contact:
Bruce Elder (CEO) (337-246-5399)
Paul Brummett (CFO) (337-246-5395)
Website: www.jdbank.com

JD Bancshares, Inc. Reports Financial Results for Q1 2022

Jennings, LA., April 21, 2022 (ACCESSWIRE) – JD Bancshares, Inc. (the “Company”), (OTCQX: JDVB), the parent holding company of JD Bank (the “Bank”), reports its unaudited financial results for the quarter ended March 31, 2022.

Net income for the three-month period ended March 31, 2022 is $2,108,163 or $0.62 per share compared to $2,977,470 or $0.87 per share for the linked quarter ended December 31, 2021 and $1,919,989 or $0.56 per share for the prior year period ended March 31, 2021. Pre-tax, pre-provision operating income for the current quarter was $2,291,078 compared to $3,056,080 for the linked quarter and $2,038,890 for the prior year quarter. Pre-tax, pre-provision operating income excludes taxes, loan loss provision, net losses on the sale of other real estate owned, net gains on the disposal of available for sale investment securities and the recognition of origination fees on loans made pursuant to the Paychecks Protection Program (PPP). The decrease in pre-tax, pre-provision operating earnings in the current period compared to the linked period is primarily due to a decline in non-interest income and an increase in non-interest expenses. The increase compared to the prior year quarter is due to an increase in net interest income and partially offset by increases in non-interest expenses.

CLICK HERE TO READ THE FULL RELEASE

About JD Bancshares, Inc. JD Bancshares, Inc. is the bank holding company of JD Bank, a state chartered bank headquartered in Jennings, Louisiana. JD Bank offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. The Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana. JD Bancshares, Inc. (OTCQX: JDVB) trades on the OTCQX Best Market. Companies meet high financial standards, follow best practice corporate governance, demonstrate compliance with U.S. securities laws, and have a professional third-party sponsor introduction. Investors can find current financial disclosure and Real-Time Level 2 quotes for the Company on www.otcmarkets.com

Notice of Annual Meeting and Proxy Statement

Notice is hereby given that the Annual Meeting of Shareholders (the “Annual Meeting”) of JD Bancshares, Inc. (the “Company”) will be held on Tuesday, May 10, 2022, at 2:00 p.m., Central Time, at the main office of JD Bank, located at 1611 Elton Road, Jennings, Louisiana. In light of the continued public health crisis related to the COVID-19 Pandemic, the Company will also permit shareholders with the ability to participate in the annual meeting by remote communication, providing shareholders with the option to attend the meeting either in person or virtually by using the instructions included at the bottom of this notice. The Annual Meeting will convene for the following purposes:

1. To elect twelve (12) directors;

2. To approve the JD Bancshares, Inc. 2022 Omnibus Incentive Plan;

3. To ratify the appointment of Wipfli LLP as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2022; and

4. To transact such other business as may properly come before the meeting and any adjournment thereof.

Only those shareholders of record at the close of business on March 21, 2022 will be entitled to notice of and to vote at the Annual Meeting.

CLICK HERE TO READ THE FULL NOTICE.

###

Lucas Tate Joins JD Bank as AVP Mamou Branch Manager

March 28, 2022

FOR IMMEDIATE RELEASE
Contact: Ann Barilleaux, JD Bank
(337) 656-7326
ann.barilleaux@jdbank.com

LUCAS TATE JOINS JD BANK AS AVP MAMOU BRANCH MANAGER

Jennings, LA – JD Bank is pleased to announce that Lucas Tate has joined the JD Bank team as AVP Branch Manager of our Mamou Office located at 609 Main St. Tate has more than 20 years of banking expertise. In his role as Branch Manager he will oversee daily branch operations and serve as a lender for the local community. “Lucas is motivated to provide quality financial service to the Mamou community,” said Kitty Jo Deshotel, SVP Regional Retail Manager. “His diverse banking knowledge and connection to Mamou made him the perfect fit for leading our Mamou office.”

A McNeese State University graduate, Tate began his banking career in 2001 and has worked as a Branch Manager, Loan Officer and Commercial Relationship Manager. In addition to his lending experience, Tate is Notary and holds a property, casualty and life insurance license. “The financial needs of our agricultural communities are unique. As a native of Ville Platte and raised in the cattle business, I understand these distinctive needs and look to establish relationships that will promote the growth of our community,” said Tate.

Active in the community, Tate is a board member for the Mamou Homerun Club, a member of the Mamou Quarterback Club, and a Dixie Youth Certified Umpire. Tate has two children and enjoys hunting, fishing, golf, cooking and raising cattle.

About JD Bank

Founded in 1947, JD Bank, Louisiana’s Community Bank, offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. JD Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana. For more information, visit www.jdbank.com or call 800-789-5159. Member FDIC. Equal Housing Lender

SARAH BARNHILL PROMOTED TO AVP TREASURY MANAGEMENT SPECIALIST

March 22, 2022

FOR IMMEDIATE RELEASE
Contact: Ann Barilleaux, JD Bank
(337) 656-7326
ann.barilleaux@jdbank.com

SARAH BARNHILL PROMOTED TO AVP TREASURY MANAGEMENT SPECIALIST

Jennings, LA – JD Bank is pleased to announce the promotion of Sarah Barnhill to AVP Treasury Management Specialist. Barnhill joined JD Bank as the AVP Branch Manager for our Carlyss office in July 2021. As Treasury Management Specialist, she will partner with commercial banking and retail branch teams to provide solutions that help businesses fully optimize their banking relationships as well as save time and money. “I am excited to use my knowledge and experience to help those in our community by delivering customized solutions and improving efficiency for our local businesses,” said Barnhill. “When Sarah joined JD Bank, she quickly became an asset for our team,” said Jimmy LeBlanc, EVP Chief Commercial Banking Officer. “Her talent and passion for working with customers to meet their needs will enhance the services provided to our business customers.” A McNeese State University graduate, Barnhill began her banking career in 2000 as a teller for JP Morgan Chase & Co. She was quickly promoted to Relationship Banker, Branch Manager, and District Manager. Barnhill holds Life and Health insurance and Property and Casualty insurance licenses. About JD Bank Founded in 1947, JD Bank, Louisiana’s Community Bank, offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. JD Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana. For more information, visit www.jdbank.com or call 800-789-5159. Member FDIC. Equal Housing Lender

JD BANK CELEBRATES 75th ANNIVERSARY WITH $75,000 DONATION TO LOCAL NON-PROFITS

March 17, 2022

FOR IMMEDIATE RELEASE
Contact: Ann Barilleaux, JD Bank
(337) 656-7326
ann.barilleaux@jdbank.com

JD BANK CELEBRATES 75th ANNIVERSARY WITH $75,000 DONATION TO LOCAL NON-PROFITS

Jennings, LA – To commemorate our 75th Anniversary, JD Bank is pleased to announce the donation of $75,000 on behalf of our employees to 25 charitable organizations throughout Southwest Louisiana and Acadiana. Each JD Bank location selected an organization to receive a donation in celebration of this milestone anniversary. The donation was announced today by JD Bank President and CEO Bruce W. Elder.

“Our community bankers work hard throughout the year at each of our local branches, and they are also passionate about volunteering and serving the communities where they live and work. We are proud to honor them and to make this donation on their behalf to the community service organizations they have selected,” said Elder.

JD Bank employees are presenting checks to the individual non-profits in each of their communities. A list of those organizations receiving donations is attached.

JD Bank was founded on March 12, 1947, with one goal – Serve the people and communities of Jeff Davis Parish. The doors to our first branch opened in Jennings, and we have grown to serve the financial needs of 16 communities in eight parishes. “The longevity JD Bank has experienced is rare in today’s world, where banks seem to be changing names very often. We attribute our success to the individual communities and customers who write the JD Bank story. With local decision making and personalized service, we remain true to the vision our founders had 75 years ago,” added Elder.

About JD Bank

Founded in 1947, JD Bank, Louisiana’s Community Bank, offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. JD Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana. For more information, visit www.jdbank.com or call 800-789-5159. Member FDIC. Equal Housing Lender

—

Celebrating 75 years of community service, the following organizations received a donation on behalf of JD Bank employees.

Bayou Animal Rescue Krewe – Animal Protection and Welfare – Lake Charles
Big Brothers Big Sisters SWLA – Youth Mentoring and Education – Lake Charles
Calcasieu Parish 4H – Agriculture and Business Education for Youth – Lake Charles
Care Help of Sulphur – Emergency Assistance/Food Pantry – Carylss
Caring Hands of Jennings – Assistance for the Low to Moderate Individuals and Families – Jennings
Colors for A Cause – Brennans Blessings – Assistance for Families of Children with Cancer – Westlake
Every Paw Animal Rescue (EPAR) – Animal and Community Welfare – Ville Platte
Escape from Poverty – Financial and Life Skills for Low to Moderate Income Families – Lafayette
Eunice Community Health Center – Medical services for the low to moderate income working uninsured and underinsured – Eunice
Faith House of Acadiana – Domestic Violence Crisis Center – Lafayette
Firestarter Project – Iberia Chamber – Youth Leadership – New Iberia
Friends Underwriting Rescues (FUR) – Animal Welfare Funding – Opelousas
Girlie Girls Mentoring Program, Inc. – Youth Mentoring Program – Lake Charles
Give-A-Wish – Grants wishes for terminally ill children – Kinder
Iowa Senior Center – Calcasieu Council on Aging Services for Seniors – Iowa
Jefferson Davis Council on the Aging, Inc. – Services for Seniors in need in Jeff Davis Parish – Jennings
Lake Arthur Meal Ministry – Meals for those in Need – Lake Arthur
Maddie’s Footprints – Help for families suffering the loss of a child – Lafayette
Mamou Health Resources, Inc – Housing, Medication and Medical Assistance for the Low to Moderate Income – Mamou
Project Rise – Animal Shelter Funding – New Iberia
St. Nicholas Center – Autism Services for Youth – Lake Charles
Sulphur Senior Center – Calcasieu Council on Aging – Services for Seniors – Sulphur
The Community Chest – Emergency Assistance for Families in Distress – Moss Bluff
The Family Tree – Information, Education, and Counseling Services – Lafayette

JD Bank Announces Mortgage Department Promotions

February 2, 2022

FOR IMMEDIATE RELEASE
Contact: Ann Barilleaux, JD Bank
(337) 656-7326
ann.barilleaux@jdbank.com

JD BANK ANNOUNCES MORTGAGE DEPARTMENT PROMOTIONS

Jennings, LA – JD Bank is pleased to announce the promotions of Lisa Johnson to SVP/Director of Mortgage Lending and Lesley Schexnayder to SVP/Assistant Manager of Mortgage Lending.

Johnson joined JD Bank in 2017 as the VP/Mortgage Loan Department Manager with 31 years of experience in banking and mortgage lending. In her position, Johnson oversees the bank’s secondary mortgage origination and interim residential construction programs, including cultivating new customers and building relationships in the communities served by JD Bank. Under her leadership, the Mortgage Lending division has grown significantly. “Our mortgage lending team is best of class across our footprint and is a reflection of the leadership qualities of Lisa. She expects her team to provide an exceptional customer experience and Lisa sets that expectation by leading through example,” said Bruce Elder, JD Bank President and CEO. Active in the community, she is a member of the SWLA Home Builders Association and the Southwest Louisiana Association of Realtors. She is a graduate of the Management & Leadership Program at Louisiana State University.

Schexnayder has been in banking for 22 years and joined JD Bank in 2014 as a Mortgage Loan Originator. In her role as Assistant Manager, she will be responsible for assisting the Director in overseeing the mortgage department in the origination and servicing of all mortgage loans. “Lesley has consistently been a top producer, and we are excited about the wealth of knowledge and bench strength she will add from a management perspective,” said Elder. Schexnayder is a member of the Acadiana Home Builders Association and the Real Estate Association of Acadiana.

About JD Bank

Founded in 1947, JD Bank, Louisiana’s Community Bank, offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. JD Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana. For more information, visit www.jdbank.com or call 800-789-5159. Member FDIC. Equal Housing Lender

JD Bancshares, Inc. Announces Completion of $30.0 Million Subordinated Debt Offering

PRESS RELEASE
December 15, 2021
JD Bancshares, Inc.

FOR IMMEDIATE RELEASE
For more information contact:
Bruce Elder (CEO) (337-246-5399)
Paul Brummett (EVP) (337-824-1422)
Website: www.jdbank.com

JD Bancshares, Inc. Announces Completion of $30.0 Million Subordinated Debt Offering

Jennings, La., December 15, 2021 (ACCESSWIRE) – JD Bancshares, Inc. (OTCQX: JDVB), the parent company of JD Bank, today announced the closing of a $30.0 million private placement of fixed-to-floating rate subordinated notes. The Company intends to use the net proceeds to redeem existing debt of $17.5 million, currently priced at 6.75%, and for general corporate purposes, which may include share repurchases and providing capital to the Bank to support growth.

The notes have a maturity date of December 15, 2031 and carry a fixed rate of interest of 3.75% for the first five years. Interest will be paid semi-annually beginning June 15, 2022. On December 15, 2026, the interest rate will reset quarterly to an interest rate per annum equal to the then current Three-Month Term Secured Overnight Financing Rate (SOFR) plus 264 basis points, payable quarterly in arrears. The notes include a right of prepayment, without penalty, on or after December 15, 2026. The subordinated notes have been structured to qualify as Tier 2 capital for regulatory purposes.

President and Chief Executive Officer Bruce W. Elder discussed the offering: “We are pleased to announce the successful completion of our subordinated debt offering. This new capital is non-dilutive to current shareholders and enhances our ability to continue to execute our growth strategies. The current low interest rate environment allowed us to add an additional $12.5 million in subordinated debt to that which is being redeemed without incurring any additional interest expense.”

Piper Sandler & Co served as the sole placement agent for the private offering. The Company was advised by Fenimore Kay Harrison, LLP.

About JD Bancshares, Inc.

JD Bancshares, Inc. is the bank holding company of JD Bank, a state chartered bank headquartered in Jennings, Louisiana. JD Bank offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. The Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana.

JD Bancshares, Inc. (OTCQX: JDVB) trades on the OTCQX Best Market. Companies meet high financial standards, follow best practice corporate governance, demonstrate compliance with U.S. securities laws, and have a professional third-party sponsor introduction. Investors can find current financial disclosure and Real-Time Level 2 quotes for the Company on www.otcmarkets.com

Safe Online Shopping Tips for The Holidays

Safe online shopping tips for the holiday season

Reposted from us.norton.com

The holidays are here, and that means many of us are making purchases online to avoid large crowds and busy traffic. While online shopping has made our lives easier, the sensitive information we share when we shop on the Internet could expose us to online risks.

The holiday season may be a lucrative time for online retailers, but cybercriminals see the Christmas, Hanukkah and Kwanzaa celebrations as opportunities to profit as well.

If you plan to do any online shopping this year, it’s important to know how to identify a secure online store. The best way to help protect yourself from cybercriminals is to be proactive about security features available online and learn how they work.

Why protect yourself when shopping online?

Whether you know it or not, you’ve already benefited from security features developed to help protect personal data like passwords, usernames and credit card numbers. Websites designed by financial institutions, insurance companies and government agencies like the DMV usually contain sophisticated security features to help keep your private information safe from cybercriminals.

However, how often does one check the online security status of a preferred online retailer?

Cybercriminals are more sophisticated today than ever before. Online threats and data breaches are not limited to large corporations — anyone on the Internet can face online threats. For these reasons, it’s important to know what to look for to ensure a safe online shopping experience.

The top online shopping security features customers need

Unless you know what to look for, identifying the security features of online retailers can be difficult. Always look for an SSL Certification, which you can verify in a few ways:

Look for the addition of an “S” to the “http://” at the beginning of a URL on pages where you enter a password or personal details. Some sites use SSL only on some parts of the site, like the homepage. But this doesn’t mean that the entire site is not secure.
Search for visual cues that indicate a secure site, such as a lock symbol and green color in the address bar before you enter a credit card number or any confidential information. This indicates that your shopping session is secure and that the site is using encryption to protect your personal data. This protocol is known as SSL — Secure Socket Layer — encryption, and it protects online transactions by keeping data in transit confidential by encoding it. In other words, your information is not visible to cybercriminals.

Other ways to be secure while shopping online

While you’re shopping on a website, some of these security features may not be present. Here are some other tips on how to be safer while spreading the holiday cheer by buying gifts online.

Don’t open emails from unknown senders or click on links to “deals” that seem suspicious. During the holiday season a phishing attempt may come in the form of an email advertising a sale you won’t want to miss, but the links within the email may direct you to a fake website that was built to capture your personal information. Have your guard up for emails and text messages advertising holiday deals that seem too good to be true. Although spam emails may seem harmless, never click on links or download files from unknown sources. Spam emails and bogus websites often contain typos or spelling and grammatical mistakes, so watch for those signs.
Install the latest version of your Internet browser to avoid security holes, which are other ways malware can sneak onto your device.
A virtual private network (VPN) encrypts your traffic so even if someone manages to eavesdrop, they’ll just see encrypted data when online. VPNs, like Norton Secure VPN, can turn public Wi-Fi into secured private connections.
Use a comprehensive Internet security solution and ensure that it is always up to date.
Beware of identity theft. You may not know right away if a criminal has obtained your financial information. You can be proactive by closely monitoring all of your financial accounts and signing up for text or email alerts if the institution offers them.
Always use strong passwords, update them regularly, and never use the same password for multiple accounts. This is especially important for accounts that contain your personal information. Norton Identity Safe is a free tool you can use to manage your passwords.
Finally, if you are still unsure about the credibility of a website you can use Norton Safe Web, a free online tool that can help identify risky websites as you shop.
Shopping online is easy and convenient, provided that you’re vigilant about Internet security. Checking with organizations like the Better Business Bureau (BBB) can also help weed out poorly managed online shopping sites.

A five-step spending plan to avoid holiday debt

Source: consumerfinance.gov

The holidays can put a financial burden even on the savviest of shoppers and savers. But like most things, taking time to plan can help you avoid the stress that comes with overspending. Before you hit the mall or shop for Black Friday deals, keep reading to learn how to make a holiday spending plan that works for you.

1. Set a budget

First, make sure you account for all of your typical expenses so that you don’t come up short on bills or things like rent. Next, think about what else you may be spending on in the coming months. Are you hosting a party at your home, or traveling to visit family or friends? If so, estimate what those things will cost you. Once you’ve subtracted any expenses from your usual budget, you can think about how much you have to spend on gifts. It’s best to start planning this as early as possible. That way you can look at how much you’ll earn between now and the holidays and calculate how much you can save to cover your holiday spending. Being realistic about your budget will help make sure you don’t overspend.

2. Make a list (and check it twice)

With all of the excitement of the holidays, it can be easy to get carried away. Make a list of the gifts you need and cross them off as you go. Check your list several times before you go shopping so that you don’t leave anything off. This is when a personal rule may come in handy. You might set a personal rule for yourself, such as: If something isn’t on your list, don’t buy it. This can get difficult when you see sales and deals pop up—but spending on something you don’t really need can make it difficult to pay for the things you do.

3. Get creative

There may be ways to give a meaningful gift at a fraction of the cost as buying something from a store. This may not work for everyone on your list, but here are some low-cost suggestions that CFPB employees have used:
▪ Homemade mixes in a mason jar, such as hot chocolate, bean soup, or cookie mixes
▪ You favorite recipes with photos in a custom picture book

4. Decide how you’re going to pay

Are you going to use cash or credit cards to pay for gifts? A helpful rule to set for yourself is to only bring the amount of money you plan to spend. That way you can help yourself stay within your budget because once you spend the money you brought, you’re done. On the other hand, using a credit card can give you more consumer rights if the item is broken when you open the box and doesn’t require you to travel with large amounts of cash. If you do decide buy your holiday gifts with a credit card, make sure you have a specific plan to pay your credit card bill and have set aside enough in your budget to do so.

5. Track your holiday spending

Just like you wrote down your lists to keep track of what you need to buy, you could also keep track of what you’ve spent. Periodically check to see if you are on track and sticking to your budget. Did you spend more or less than you thought you would on certain items? If you don’t keep track of what you spent, you could end up with an unpleasant surprise if you exceed your budget.