EX-4.0



 Exhibit 4.0 

INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND 
  

					
	No.                     	  	BEN FRANKLIN FINANCIAL, INC.	 	                     Shares
		  		 	  
 CUSIP:


 FULLY PAID AND NON-ASSESSABLE 

PAR VALUE $0.01 PER SHARE 

THE SHARES REPRESENTED BY THIS 

CERTIFICATE ARE SUBJECT TO 

RESTRICTIONS, SEE REVERSE SIDE 
  

					
	THIS CERTIFIES that	  		 	is the owner of

 SHARES OF COMMON STOCK 

of 
 Ben Franklin Financial, Inc.

 a Maryland corporation 

The shares evidenced by this certificate are transferable only on the books of Ben Franklin Financial, Inc. by the holder hereof, in person or
by attorney, upon surrender of this certificate properly endorsed. THE CAPITAL STOCK EVIDENCED HEREBY IS NOT AN ACCOUNT OF AN INSURABLE TYPE AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER FEDERAL OR STATE
GOVERNMENTAL AGENCY. 
 IN WITNESS WHEREOF, Ben Franklin Financial, Inc. has caused this certificate to be executed by the facsimile
signatures of its duly authorized officers and has caused a facsimile of its seal to be hereunto affixed. 
  

									
	By:	 	 	 	[SEAL]	 	By:	 	 
		 	 BERNADINE V. DZIEDZIC
 CORPORATE
SECRETARY
	 		 		 	 C. STEVEN SJOGREN
 PRESIDENT AND CHIEF
EXECUTIVE OFFICER









 The Board of Directors of Ben Franklin Financial, Inc. (the “Company”) is authorized by
resolution or resolutions, from time to time adopted, to provide for the issuance of more than one class of stock, including preferred stock in series, and to fix and state the voting powers, designations, preferences, limitations and restrictions
thereof. The Company will furnish to any stockholder upon request and without charge a full description of each class of stock and any series thereof. 

The shares evidenced by this certificate are subject to a limitation contained in the Articles of Incorporation to the effect that in no event
shall any record owner of any outstanding common stock which is beneficially owned, directly or indirectly, by a person who beneficially owns in excess of 10% of the outstanding shares of common stock (the “Limit”) be entitled or permitted
to any vote in respect of shares held in excess of the Limit. 
 The shares represented by this certificate may not be cumulatively voted on
any matter. The Articles of Incorporation requires that, with limited exceptions, no amendment, addition, alteration, change or repeal of the Articles of Incorporation shall be made, unless such is first approved by the Board of Directors of the
Company and approved by the stockholders by a majority of the total shares entitled to vote, or in certain circumstances approved by the affirmative vote of up to 80% of the shares entitled to vote. 

The following abbreviations when used in the inscription on the face of this certificate shall be construed as though they were written out in
full according to applicable laws or regulations. 
  

									
	TEN COM	 	 - as tenants in common
	  		  	UNIF GIFT MIN ACT	 	
-                
         Custodian                         

(Cust)                      
          (Minor)

	  
 TEN ENT
	 	 - as tenants by the entireties
	  		  		 	
	  
 JT TEN
	 	  

- as joint tenants with right of survivorship and not as tenants in common
	  	  
	  	  
	 	 Under Uniform Gifts to Minors Act

 

		 	  		  		 	(State)


 Additional abbreviations may also be used though not in the above list 

For value received,
                                         
                        hereby sell, assign and transfer unto 

PLEASE INSERT SOCIAL SECURITY NUMBER OR OTHER IDENTIFYING NUMBER 
  

			
	 	 	

  
  

(please print or typewrite name and address including postal zip code of assignee) 

 

			
	 	  	Shares of

 the Common Stock represented by the within Certificate, and do hereby irrevocably constitute and
appoint                                        
                                         
                 Attorney to transfer the said shares on the books of the within named corporation with full power of substitution in the premises. 

Dated,                      

 

					
	In the presence of	 		  	Signature:
			
	   
	 	  
	  	   


 NOTE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME OF THE STOCKHOLDER(S) AS WRITTEN UPON THE FACE OF THE
CERTIFICATE, IN EVERY PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT, OR ANY CHANGE WHATSOEVER.