2025 Vol. 109 No. 2

24 Features 6 Vantage Viewpoint By Amber R. Van Til, Indiana Bankers Association 7 Chairman’s Report By Matthew W. Howrey, Indiana Bankers Association 8 2025 IBA Education Calendar May-July 10 2025 Mega Conference May 27-29, 2025 26 It’s Time for a Regulatory Reset By Rob Nichols, American Bankers Association 28 Marching to the Beat of Community Banking By Rebeca Romero Rainey, Independent Community Bankers of America 30 Bill King, Former IBA President, Passes Away 32 State Deposits in Indiana Financial Institutions July 1 – Dec. 31, 2024 Articles LENDING & CREDIT 12 An Inside Look at “Dominion of Funds” Asset-Based Lending Uses Key Provision to Link Borrowers and Financiers By Rhett Rowe, Bridge Business Credit HUMAN RESOURCES 14 Interplay Between FMLA, State/Local Leave Laws & Employer Paid Time Off The DOL’s Recent Guidance By Debra A. Mastrian, Amundsen Davis LLC 49 Choosing Vesting Requirements for Qualified Retirement Plan Purposes By Kristoffer Aas, Ascensus CONGRESSIONAL UPDATE 16 Washington’s New Vision for Banking By Rep. Marlin Stutzman, Indiana’s 3rd District SALES & MARKETING 19 The Case for Personalized Digital Marketing at Community Banks By Hannah Day, CSI GR SUMMIT 22 Legislative Day 2025 By Dax Denton & Ross Teare, Indiana Bankers Association BANKER PROFILE 24 Jill M. Smith Vice President, Mortgage Loan Originator – Mutual Savings Bank, Franklin PRODUCTS & SERVICES PROFILE 34 Do You Want and Need More From Your Data? By Rod Lasley, Indiana Bankers Association COMPLIANCE CONNECTION 42 Cookie Banners and Online Tracking Technology By David A. Bowen, Krieg DeVault LLP DIRECTORS & SENIOR MANAGEMENT 44 The Next Step for the GSEs By Andrea F. Pringle, The Baker Group FLD FOCUS 46 Make the Most of Your Year with the FLD By Josh Myers, Indiana Bankers Association AG BANKING 53 52nd Annual Midwest Agricultural Banking School By Michael Langemeier, Purdue University Departments 6 Don’t Miss Out! 7 Digital Extras 13 From the Board Room 27 Anniversary Milestones 29 Taking It Easy 29 IBA ‘High Five’ Awards 36 Bankers On the Move 39 Banking Center News 40 Honorable Mentions 40 Mergers & Acquisitions 54 Associate Members’ Corner 55 Banking On Community 55 Advertiser Index MARCH/APRIL 2025 5 INTERACT WITH IBA

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