Franklin Bank Announcements
Refer a Friend and Both of You Will Receive $25 Each!*

Friendships are priceless. You can't buy friends, but now your friends can make YOU money!

For a limited time, for every friend you refer who opens an account with direct deposit or repeating ACH draft, both you and your friend will receive $25!*

How it Works:
1.	Visit your neighborhood banking center and ask a personal banker for a Refer a Friend coupon.
2.	Complete your information on the back of the coupon as it appears on your account.
3.	Provide the coupon to your friend.
4.	Your friend presents the coupon when opening a new personal checking account.
5.	You and your friend each receive $25 credited to your accounts.*

We want to provide your friends and family with the same excellent products and services you have come to know. Invite someone you know to stop by and try banking... up close and personal!

Contact us for more information, or if you're not already a customer find a banking office near you to discuss your needs.

*Offer available in any Franklin Bank, S.S.B. banking center when new referred customer presents the properly executed referral form at the time of new account opening prior to expiration date. New (referred) customer must not currently have or have had within the past 90 days an account with Franklin Bank, S.S.B. New referred customer's account requires minimum opening deposit of $100 and repeating automated clearinghouse (ACH) direct deposit or repeating ACH draft and must be qualifying consumer checking account (direct deposit is not considered part of minimum opening deposit). Initial repeating direct deposit or draft must be made within 60 days of account opening, after which the $25 will be credited to both the referrer's and the new referred customer's accounts within 30 days. Referral fee is considered interest and will be reported on IRS Form 1099-INT; any applicable taxes are the responsibility of the recipient. The new referred customer's account must remain open for four months or the $25 referral fee will be deducted from both the existing referring customer's account, as well as the new referred customer's account. No minimum balance required to maintain checking account or to receive the $25; however, reduction in service charge may be obtained by maintaining minimum balance on checking accounts other than Free Checking. Some non-maintenance fees apply to Free Checking accounts. Franklin Bank employees and immediate family members are not eligible. Account is subject to approval; Franklin reserves the right to determine, in its sole discretion, the eligibility of both customers and their satisfaction of conditions of the offer. Rates, programs, and products subject to change without notice.
Offer expires September 30, 2008.