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2016 Vol. 100 No. 8

HOOSIER BANKER AUGUST 2016 INSIDE Cindy Konich leads the Federal Home Loan Bank of Indianapolis in partnership with banks. Story on page 8. 1916 - 2016 YEARS

2 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 Member: FINRA and SIPC www.GoBaker.com Oklahoma City, OK | Atlanta, GA | Austin, TX | Indianapolis, IN | Salt Lake City, UT | Springfield, IL | 800.937.2257 The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc. S E M I N A R As we encounter 2016’s anticipated financial crossroads, bank managers are equipping themselves with the information they need to face the unique challenges and opportunities that lie before them. Making successful decisions requires the right tools, techniques, and processes. But most importantly, it requires the right partner—The Baker Group—and one very special event. The Baker Group’s Interest Rate Risk and Investment Strategies Seminar is developed specifically for managers of financial institutions. Designed to meet the challenges of 2016, it is an in-depth examination of current topics including: • Bank Performance Trends and Industry Landscape • Asset/Liability Management: Finding Keys to High Performance • Game-Plans for a Shifting Rate Environment • Managing Investment Risk: Strategy and Tactics • Regulatory Expectations for Interest Rate Risk and Investments • Modeling Assumptions and Key Simulations for Interest Rate Risk • Security Selection Decisions: Cash Flow and Relative Value • Sector-Specific Risk Management: MBS Prepays and Municipal Bond Credit Analysis • Liquidity, Cash Flow, and the Bond Portfolio For your convenience, register online at GoBaker.com/ seminars. For more information, call Skoshi Heron at 888.990.0010. October 13-14, 2016 Oklahoma City, OK The Skirvin Hilton One Park Avenue Oklahoma City, OK 73102 405.272.3040 Agenda Thursday, Oct. 13th Golf: Oak Tree National Home of: -US Amateur -PGA -Senior PGA -US Senior Open Dinner — Mickey Mantle’s Guest Speaker Martin H. Barnes — Chief Economist, BCA Research Who Should Attend Financial institutions’ CEOs, CFOs, investment officers, board members, and those who are directly or indirectly responsible for financial management functions will benefit from this seminar. There is no registration fee for this seminar. CPE credits will be earned for your attendance. Friday, Oct. 14th Breakfast Seminar Lunch Conclusion

TABLE OF CONTENTS VOLUME 100 NO. 8 6925 Parkdale Place Indianapolis IN 46254-4673 Phone: 317-387-9380 Fax: 317-387-9374 Twitter @indianabankers www.indianabankers.org Publisher: S. Joe DeHaven Editor: Laura Wilson Advertising: Rod Lasley Email news releases to: IBAcommunications @indianabankers.org Hoosier Banker ǻ ȱŖŖŗŞȬŚŝř Ǽȱ’œȱ ™ž‹•’œ‘Žȱ–˜—‘•¢ȱ‹¢ȱ‘Žȱ ȱ Ž›Ÿ’ŒŽȱ ˜›™ǯǰȱŠȱœž‹œ’’Š›¢ȱ˜ȱ ȱ ˜•’—ȱ ˜–™Š—¢ȱ —Œǯǰȱ‘Šȱ’œȱŠȱ ‘˜••¢ȱ˜ —Žȱ œž‹œ’’Š›¢ȱ˜ȱ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œȬ œ˜Œ’Š’˜—ǯȱ ‘Žȱ–ŠŠ£’—Žȱ’—Ÿ’Žœȱ—Ž œȱ ›˜–ȱ ȱ–Ž–‹Ž›œǯȱ ˜™¢ȱŽŠ•’—ŽDZȱ ꛜȱ˜ȱ‘Žȱ–˜—‘ȱ™›ŽŒŽ’—ȱ™ž‹•’ŒŠȬ ’˜—ǯ Advertising: Rates available upon request or online at www.indianabankers.org. Advertisers should provide electronic PDFs by WKH ÀIWK GD\ RI WKH PRQWK SUHFHGLQJ publication. Hoosier Banker advertising is available to members and associate PHPEHUV RI WKH ,QGLDQD %DQNHUV Association only. Subscriptions: Hoosier Banker VXEVFULSWLRQV DUH SURYLGHG IUHH RI charge exclusively to members and DVVRFLDWH PHPEHUV RI WKH ,QGLDQD Bankers Association. Public access to Hoosier Banker Digital is available at www.indianabankers.org. COVER STORY 8 CINDY KONICH: OPENING DOORS THROUGH FHLBI SERVICE FEATURES 5 CEO PONDERINGS S. Joe DeHaven, IBA 6 IBA CALENDAR OF EVENTS 14 HOOSIER BANKER HERITAGE 22 THE BEST DEFENSE IS A GOOD OFFENSE Robert S. Nichols,ABA 24 CONTINUE THE REVOLUTION Camden R. Fine ICBA FLD HAPPENINGS 16 GROWING FUTURE LEADERS: 2016 FLD ANNUAL CONFERENCE Dax Denton, IBA PSP SHOWCASE 18 BANKS USING CAPTIVES FOR ENTERPRISE RISK MANAGEMENT IN INCREASING NUMBERS Josh Miller,The KeyState Companies About the cover photo: Bronze doors embedded sideways create a stunning backdrop in a meeting room at the Federal Home Loan Bank of Indianapolis.The vintage doors once opened into the boardroom in the former FHLBI building in downtown Indianapolis. Photo courtesy of the Federal Home Loan Bank of Indianapolis. DEPARTMENTS 5 VIDEO BONUS 11 ASSOCIATE MEMBERS’ CORNER 13 COMPLIANCE CONNECTION Brett J.Ashton, Krieg DeVault LLP 17 ANNIVERSARY MILESTONES 20 HONORABLE MENTIONS 21 IN MEMORY OF 25 TAKING IT EASY 25 FROM THE BOARD ROOM 26 BANKING ON COMMUNITY 27 NEW BRANCHES, BUILDINGS & OPENINGS 28 BANKERS ON THE MOVE 30 ADVERTISERS INDEX 1916 - 2016 YEARS 3 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 Cindy L. Konich is president and chief H[HFXWLYH RIÀFHU of the Federal Home Loan Bank of Indianapolis.

Mission 7R DGYRFDWH IRU DQG VXVWDLQ an environment in which banks can succeed. Vision To provide exemplary service to members as the premier state bank trade association in the country. Values ,Q IXOÀOOLQJ RXU PLVVLRQ we will: • Maintain the highest HWKLFV LQWHJULW\ DQG UHVSHFW IRU RWKHUV ‡ 6HUYH ZLWK SURIHVVLRQDOLVP innovation and UHVRXUFHIXOQHVV ‡ ,QVWLOO SDVVLRQ SRVLWLYH DWWLWXGH DQG HQWKXVLDVP ‡ 5HPDLQ PLQGIXO WKDW WKH VXFFHVV RI WKH ,%$ is judged by the success RI LWV PHPEHUV ’Ž ȱHoosier Banker DigitalȱŠȱ ’—’Š—Š‹Š—”Ž›œǯ˜› Publication Disclaimer Hoosier Banker Š›’Œ•ŽœȱŠ›Žȱ™ž‹Ȭ •’œ‘Žȱ‹¢ȱ‘Žȱ ȱ Ž›Ÿ’ŒŽȱ ˜›™ǯǰȱ Šȱœž‹œ’’Š›¢ȱ˜ȱ ȱ ˜•’—ȱ ˜–™Š—¢ȱ —Œǯǰȱ‘Šȱ’œȱŠȱ ‘˜••¢ȱ ˜ —Žȱœž‹œ’’Š›¢ȱ˜ȱ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ǯȱ ••ȱ–ŠŽȬ ›’Š•ȱ™ž‹•’œ‘Žȱ’—ȱHoosier Banker Š—Ȧ˜›ȱ˜—ȱ‘Žȱ ȱ Ž‹œ’Žȱ’œȱ‘Žȱ ™›˜™Ž›¢ȱ˜ȱ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ǯ ,QGLDQD %DQNHUV $VVRFLDWLRQ 2IÀFHUV 'LUHFWRUV 6WDII ,%$ 2IÀFHUV Chairman ........................................... Michael H. Head, First Federal Savings Bank, Evansville FirstVice Chairman ..................... Annette M. Russell, Security Federal Savings Bank, Logansport SecondVice Chairman ............................................ Clay W. Ewing, German American, Jasper Immediate Past Chairman .................................. Larry W. Myers, First Savings Bank, Clarksville &KLHI ([HFXWLYH 2IÀFHU ....................... S. Joe DeHaven, Indiana Bankers Association, Indianapolis President .................................. Amber R.VanTil, JD, Indiana Bankers Association, Indianapolis Constituent Directors ICBA State Director ........................................ David M. Geis, Jackson County Bank, Seymour ABA Membership Council ....................... Michael K. Bauer,Your Community Bank, New Albany Future Leadership Division President ...................... Kristin Marcuccilli, STAR Bank, Fort Wayne Non-Indiana Headquartered Bank Director ............... Tim Massey, BMO Harris Bank, Indianapolis Northeast Region Directors Gregory Maxwell, Farmers State Bank, Mentone Michael S. Zahn, First Federal Savings Bank, Huntington Michael C. Marhenke, iAB Financial Bank, Fort Wayne Northwest Region Directors Benjamin J. Bochnowski, Peoples Bank, Munster Arden L. Cramer, Logansport Savings Bank Joseph D. Carlson, Community State Bank, Royal Center Southeast Region Directors Archie M. Brown Jr., MainSource Financial Group Inc., Greensburg Dennis Wayman, State Bank of Medora George W. Ferriell, Bath State Bank Southwest Region Directors Matthew W. Howrey, North Salem State Bank Michael L. Baker, State Bank of Lizton, Brownsburg Kent L. Parisien, The First National Bank of Odon Future Leadership Division Board President - Kristin Marcuccilli, STAR Bank, Fort Wayne Vice President - Kirby Drey, Kentland Bank Emily Boardman, Crossroads Bank,Wabash Craig Buse, Springs Valley Bank & Trust Company, French Lick Jason Ernst, First Financial Bank, NA,Terre Haute J. Daniel Maddox, Citizens State Bank, New Castle Andrew J. Saner, MainSource Bank, Greensburg Jeremy Siegle, Bank of Wolcott Lucas White,The Fountain Trust Company, Covington Billy Winter, Bippus State Bank, Huntington Melodie K.Yarnell, Jackson County Bank, Seymour IBA Staff &KLHI ([HFXWLYH 2IÀFHU .......................................................................... S. Joe DeHaven President ..................................................................................... Amber R.VanTil, JD ExecutiveVice President .............................................................. Paul W. Freeman, CAE SeniorVice President–Government Relations ................................................... Dax Denton Vice President–Meetings & Events ............................................ Christina M. Bennett, CMP Vice President–Products & Services ................................................................. Rod Lasley Vice President–Education & Training ........................................................... Laurie A. Rees Vice President–Communications .................................................................. Laura Wilson AssistantVice President–Government Relations ........................................... Erika L. Hall, JD Events & Products/Services Assistant .............................................................. Susan Clark Education Meeting Coordinator ................................................................. Marcy Borden Education Meeting Coordinator ................................................................ Elizabeth Kilty Staff Accountant ....................................................................................... Timothy Fry IT and Facilities Manager ............................................................................. Tracy Kubly Administrative Assistant ........................................................................... Michelle Long *RYHUQPHQW 5HODWLRQV &RPPXQLFDWLRQV 2IÀFH 0DQDJHU ............................ Joshua A. Myers (PDLO DGGUHVVHV )LUVW LQLWLDO RI WKH VWDII PHPEHU·V ÀUVW QDPH SOXV ODVW QDPH H[DPSOH MGRH#LQGLDQDEDQNHUV RUJ 3OHDVH VHQG QHZV UHOHDVHV WR ,%$FRPPXQLFDWLRQV#LQGLDQDEDQNHUV RUJ 4 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016

5 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 FEATURE ȱ ќћёђџіћєѠ 6 -RH 'H+DYHQ &KLHI ([HFXWLYH 2IÀFHU ,QGLDQD %DQNHUV $VVRFLDWLRQ ȱ ‘Žȱ—Ž Žœȱ’—œŠ••–Ž—ȱ˜ȱ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ȱ’—œ›žŒ’˜—Š•ȱŸ’Ž˜ȱœŽ›’Žœȱȭȱȃ ˜ ȱ ˜ȱ ȱ ›ŽŠŽȱŠ—ȱ ŒŒ˜ž—ǵȄȱȭȱž’Žœȱ ȱ–Ž–‹Ž›œȱ‘›˜ž‘ȱ ‘ŽȱŠŒŒ˜ž—ȬŒ›ŽŠ’˜—ȱ™›˜ŒŽœœǰȱ’—ȱ˜›Ž›ȱ˜ȱ–Š¡’–’£Žȱ žœŽȱ˜ȱ‘Žȱ ȱ Ž‹œ’Žǯȱ ‘ŽȱŸ’Ž˜ȱ’œȱŠŸŠ’•Š‹•Žȱ ˜—•’—ŽȱŠDZȱ’—’Š—Š‹Š—”Ž›œǯ˜›Ȧ’‹ŠȬ Ž‹œ’ŽȬ‘˜ Ȭ ’—œ›žŒ’˜—œǯ ȱ ‘ŽȱŸ’Ž˜ȱŠ•œ˜ȱŒŠ—ȱ‹ŽȱŠŒŒŽœœŽȱ‹¢ȱŒ•’Œ”’—ȱ˜—ȱ‘Žȱ ›Žȱ ˜ž ž‹ŽȱŠ››˜ ȱ’—ȱ‘’œȱ’œœžŽȱ˜ȱHoosier Banker DigitalȱŠȱ’—’Š—Š‹Š—”Ž›œǯ˜›ǯȱ ˜›ȱšžŽœ’˜—œȱ˜›ȱ–˜›Žȱ ’—˜›–Š’˜—ȱŠ‹˜žȱ ȱ’—œ›žŒ’˜—Š•ȱŸ’Ž˜œǰȱ™•ŽŠœŽȱ Œ˜—ŠŒȱ ›ŠŒ¢ȱ ž‹•¢ǰȱřŗŝȬřŞŝȬşřŞŖǰȱŽ–Š’•DZȱ”ž‹•¢ȓ ’—’Š—Š‹Š—”Ž›œǯ˜›ǯȱ Video Bonus: Creating an IBA Website Account I—ȱŗşŜŜȱŠȱ›ŽŒ˜›’—ȱ›˜ž™ȱ—Š–Žȱ ‘Žȱ Š™™Ž—’—œȱ›Ž•ŽŠœŽȱ’œȱŸŽ›Ȭ œ’˜—ȱ˜ȱŠȱœ˜—ȱ‹Š••Šȱ‘Šȱ™›ŽŸ’˜žœ•¢ȱ ‘Šȱ‹ŽŽ—ȱ›Ž•ŽŠœŽȱ‹¢ȱŠ—˜‘Ž›ȱ›˜ž™ǰȱ ‘Žȱ Ž–™˜œǯȱ ‘Žȱœ˜—ȱ Šœȱȃ ŽŽȱ ˜žȱ ’—ȱ Ž™Ž–‹Ž›ǰȄȱŠ—ȱ’ȱ‹ŽŒŠ–ŽȱŠ—ȱ Š—‘Ž–ȱ˜›ȱ‹˜¢›’Ž—œȱŠ—ȱ’›•›’Ž—œȱ ‘˜ȱ Ž›Žȱ˜’—ȱ˜ȱ‹ŽȱŠ Š¢ȱ›˜–ȱŽŠŒ‘ȱ ˜‘Ž›ȱ˜›ȱ‘Žȱœž––Ž›ǯȱ ‘Žȱ™›Ž–’œŽȱ ˜ȱ‘Žȱœ˜—ȱ Šœȱ‘Šȱ‘Žȱœ ŽŽ‘ŽŠ›œȱ ˜ž•ȱ‹Žȱ‹ŠŒ”ȱ˜Ž‘Ž›ȱŠŠ’—ȱ’—ȱ‘ŽȱŠ••ȱ ‘Ž—ȱœŒ‘˜˜•ȱ œŠ›Žȱȭȱž—•Žœœȱ˜—Žȱ˜ȱ‘Ž–ȱœžŒŒž–‹Žȱ˜ȱȃ‘Žȱœž––Ž›ȱ –˜˜—ȱŠ‹˜ŸŽȄȱŠ—ȱ˜ž—ȱŠȱ—Ž ȱ•˜ŸŽȱ’—Ž›Žœǯ ȱ ȃ ŽŽȱ¢˜žȱ’—ȱ Ž™Ž–‹Ž›ȄȱŠ”Žœȱ˜—ȱŽŽ™Ž›ȱ–ŽŠ—’—ȱŠȱ ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ǯȱ ˜ȱ˜—•¢ȱ˜Žœȱ Ž™Ž–‹Ž› œ’—Š•ȱ‘ŽȱŽ—ȱ˜ȱœž––Ž›ȱŠ—ȱŠȱ›Žž›—ȱ˜ȱ›˜ž’—Žȱ˜›ȱ Š–’•’Žœǰȱ‹žȱ’ȱŠ•œ˜ȱ’œȱ‘Žȱ–˜—‘ȱ˜ȱ‘Žȱ ȱ ——žŠ•ȱ ˜—ŸŽ—’˜—ȱŠ—ȱ‘Žȱ ȱ ——žŠ•ȱ Šœ‘’—˜—ȱ ›’™ǯȱ ‘ŽœŽȱ  ˜ȱŽŸŽ—œȱŠ›ŽȱŸŽ›¢ȱ’–™˜›Š—ȱ˜›ȱ‘Žȱ —’Š—Šȱ‹Š—”’—ȱ Œ˜––ž—’¢ǯ ȱ ‘Žȱ ȱ ——žŠ•ȱ ˜—ŸŽ—’˜—ȱ’œȱ ‘Ž›Žȱ Žȱ›Ž™˜›ȱ˜ȱ ‘Žȱ–Ž–‹Ž›œ‘’™ȱ˜—ȱŽŸŽ›¢‘’—ȱ‘Šȱ‘Žȱ œœ˜Œ’Š’˜—ȱ‘Šœȱ ‹ŽŽ—ȱ ˜›”’—ȱ˜—ȱž›’—ȱ‘Žȱ¢ŽŠ›ǯȱ •œ˜ȱŠȱ‘’œȱŽŸŽ—ǰȱ˜ž›ȱ ‹˜Š›ȱ•ŽŠŽ›œ‘’™ȱ’œȱŽ•ŽŒŽȱ˜›ȱ‘ŽȱŒ˜–’—ȱŒŠ•Ž—Š›ȱ¢ŽŠ›ǯȱ ’’˜—Š••¢ȱ Žȱ™•Š—ȱ—Ž ˜›”’—ȱ˜™™˜›ž—’’ŽœDzȱ™›ŽœŽ—ȱ ŽžŒŠ’˜—Š•ȱœŽœœ’˜—œDzȱŠ—ȱ›ŽŒŽ’ŸŽȱž™ŠŽœȱ›˜–ȱ˜ž›ȱ —Š’˜—Š•ȱ™Š›—Ž›œǰȱ‘Žȱ –Ž›’ŒŠ—ȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ȱŠ—ȱ ‘Žȱ —Ž™Ž—Ž—ȱ ˜––ž—’¢ȱ Š—”Ž›œȱ˜ȱ –Ž›’ŒŠǯ ȱ ‘Žȱ‘Ž–Žȱ˜ȱ‘ŽȱŘŖŗŜȱ ȱ ——žŠ•ȱ ˜—ŸŽ—’˜—ȱ’œDZȱ ȃ Š•Š—Œ’—ȱ ŒDZȱ Š•”’—ȱ‘Žȱ ’—Žȱ ’—Žȱ Ž ŽŽ—ȱ ‘Š••Ž—Žȱ Š—ȱ ™™˜›ž—’¢ǯȄȱ Œ‘Žž•Žȱ˜›ȱ Ž™ǯŗŗȬŗřȱŠȱ‘Žȱ ›Ž—Œ‘ȱ ’Œ”ȱ Žœ˜›ǰȱ‘ŽȱŒ˜—ŸŽ—’˜—ȱŽŠž›ŽœȱŠȱŒ’›ŒžœȬ‘Ž–Žȱ Ž•Œ˜–’—ȱ™Š›¢ȱŠ—ȱ™›ŽœŽ—Š’˜—œȱ‹¢ȱ’—žœ›¢ȱ‘˜ž‘ȱ •ŽŠŽ›œȱ›˜–ȱ‘›˜ž‘˜žȱ‘ŽȱŒ˜ž—›¢ȱ˜—ȱ˜™’Œœȱ›Š—’—ȱ ›˜–ȱ˜—•’—Žȱ‹Š—”’—ȱ˜ȱŒŠ™’Š•ȱ™•Š——’—ǰȱœ›ŠŽ’Œȱ™•Š——’—ǰȱ Œ¢‹Ž›Œ›’–ŽȱŠ—ȱ–˜›Žǯȱ Ž¢—˜Žœȱ ’••ȱ‹Žȱ™›ŽœŽ—Žȱ‹¢ȱ Ž›’’‘ȱ ••’˜Ĵȱ ˜ Ž••ȱ˜—ȱ•ŽŠŽ›œ‘’™ȱŠ—ȱ‹¢ȱ ›ǯȱ ŽěŽ—ȱ Œ‘–’ǰȱa.k.a.ȱ ›ǯȱ ˜•’’Œœǰȱ˜—ȱ‘Žȱž™Œ˜–’—ȱŽ—Ž›Š•ȱ Ž•ŽŒ’˜—œǯ ȱ ‘Žȱ ȱ ——žŠ•ȱ Šœ‘’—˜—ȱ ›’™ȱ‘Šœȱ›˜ —ȱ’—ȱ ’–™˜›Š—ŒŽȱŠ—ȱŠĴŽ—Š—ŒŽȱœ’—’ęŒŠ—•¢ȱ ’‘’—ȱ‘Žȱ™Šœȱ Ž ȱ¢ŽŠ›œǯȱ Šœȱ¢ŽŠ›ȱŞŞȱ˜ȱžœȱ Ž›Žȱ’—ȱŠĴŽ—Š—ŒŽǰȱŠ—ȱ ‘’œȱ¢ŽŠ›ȱ Žȱ‘˜™Žȱ˜ȱ‹›’—ȱ–˜›Žȱ‘Š—ȱŗŖŖȱ™Š›’Œ’™Š—œȱ˜ȱ Šœ‘’—˜—ǰȱ ǯ ǯȱ ž›’—ȱ‘’œȱ¢ŽŠ›•¢ȱ›’™ǰȱ ŽȱŠ›Žȱž™ŠŽȱ ‹¢ȱ‘Žȱ ǰȱ‘Žȱ ȱŠ—ȱ‘Žȱ ˜—Ž›Ž—ŒŽȱ˜ȱ ŠŽȱ Š—”ȱ ž™Ž›Ÿ’œ˜›œǯȱ ŽȱŸ’œ’ȱ ’‘ȱŠ••ȱ˜ȱ‘Žȱ›Žž•Š˜›¢ȱŠŽ—Œ’Žœǰȱ Š—ȱ ŽȱŒŠ••ȱ˜—ȱ˜ž›ȱ —’Š—ŠȱŽ•ŽŠ’˜—ȱ˜ȱŽ•ŽŒŽȱœŽ—Š˜›œȱ Š—ȱ›Ž™›ŽœŽ—Š’ŸŽœǯ ȱ ŽŒŠžœŽȱ‘’œȱ›’™ȱ’œȱœ˜ȱ’–™˜›Š—ǰȱ‘Žȱ ȱȭȱ ’‘ȱœž™™˜›ȱ ›˜–ȱŠœœ˜Œ’ŠŽȱ–Ž–‹Ž›ȱœ™˜—œ˜›œȱȭȱ™›˜Ÿ’Žœȱ˜›ȱŠ••ȱ›˜ž—ȱ ›Š—œ™˜›Š’˜—ȱŠ—ȱ–ŽŠ•œǯȱ ‘Žȱ˜—•¢ȱŒ˜œȱ˜ȱŠĴŽ—ŽŽœȱ’œȱ ‘˜Ž•ȱŠ—ȱŠ’›Š›Žǯȱ ‘’œȱ˜—ŒŽȬŠȬ¢ŽŠ›ȱ˜™™˜›ž—’¢ȱ˜ȱŸ’œ’ǰȱŠœȱ Šȱ•Š›Žȱ›˜ž™ǰȱ ’‘ȱ”Ž¢ȱŽŒ’œ’˜—ȱ–Š”Ž›œȱŠ‹˜žȱ‘Žȱžž›Žȱ ˜ȱ‹Š—”’—ȱŒŠ——˜ȱ‹Žȱ˜ŸŽ›œŠŽǯȱ ‘’œȱ¢ŽŠ›Ȃœȱ›’™ȱ’œȱœŽȱ˜›ȱ Ž™ǯȱŘśȬŘŝǰȱŠ—ȱ Žȱ Ž•Œ˜–Žȱ¢˜ž›ȱ™Š›’Œ’™Š’˜—ȱŠ—ȱ’—™žǯ ȱ ȱ‘˜™Žȱ˜ȱœŽŽȱ¢˜žȱœ˜˜—ȱŠȱ‘ŽœŽȱ ˜ȱŠ••ȱŽŸŽ—œǯȱ ‘Žȱ ȱ ——žŠ•ȱ ˜—ŸŽ—’˜—ȱŠ—ȱ‘Žȱ ȱ ——žŠ•ȱ Šœ‘’—˜—ȱ ›’™ȱ ›Ž™›ŽœŽ—ȱ ˜ȱ˜ȱ˜ž›ȱ™›Ž–’Ž›ȱ˜ěŽ›’—œǯȱ ȱ‘Š—”ȱ‘˜œŽȱ˜ȱ ¢˜žȱ ‘˜ȱ‘ŠŸŽȱ™Š›’Œ’™ŠŽȱ’—ȱ‘Žȱ™ŠœǰȱŠ—ȱ ȱ•˜˜”ȱ˜› Š›ȱ ˜ȱ Ž•Œ˜–’—ȱ¢˜žȱ‹ŠŒ”ȱŠ—ȱ›ŽŽ’—ȱ—Ž ȱŠĴŽ—ŽŽœǯȱ ŽŽȱ ¢˜žȱ’—ȱ Ž™Ž–‹Ž›Ƿ

6 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 CALENDAR UPDATE CALENDAR OF EVENTS Register online at indianabankers.org/education-events The IBA Center for Professional Development is located at 6925 Parkdale Place, Indianapolis, IN 46254 Phone: 317-387-9380 Twitter: @IndianaBankers Alternative Delivery Channels … $YDLODEOH DW \RXU FRQYHQLHQFH YLD :HELQDU &' 520 RU 2Q 'HPDQG Annual Directors Workshop Aug. 15 - The Landmark Conference & Reception Centre, Fort Wayne Aug. 16 - Wooded Glen Retreat & Conference Center, Henryville Aug. 17 - IBA Center IBA Regional Meetings Aug. 17 - Mountain Jack’s Steakhouse, Lafayette Aug. 18 - Buckhead Mountain Grill, Jeffersonville Workshop for Loan Assistants and Processors Aug. 16 - IBA Center Introduction to Consumer Loan Origination Aug. 17 - IBA Center Branch Management Series: Session 3 - Leading, Developing and Engaging theTeam Aug. 23 - IBA Center IBA Leadership Development Program: Session 3 - Limitations Are Self-Imposed Aug. 24-26 - Wooded Glen Retreat & Conference Center, Henryville Essentials of Banking: Session 3 - Safeguarding the Bank and Customer Service Aug. 25 - IBA Center Real Estate Lending and Consumer Compliance Aug. 25-26 - IBA Center Developing Your Risk Appetite Aug. 30 - IBA Center Senior Retail Banking Forum Sept. 7 - IBA Center Advanced Credit Analysis School Sept. 8-9 - IBA Center Advanced Ag Lenders Workshop Sept. 8-9 - Courtyard by Marriott, West Lafayette IBA Annual Convention Sept. 11-13 - French Lick Resort 5LVN 0DQDJHPHQW 2IÀFHU )RUXP Sept. 15 - IBA Center Deposit Account Administration Sept. 15 - IBA Center In-Bank Training: How to Train Staff Using Bank Policies, Procedures, Forms and Disclosures Sept. 16 - IBA Center Call Report Preparation Sept. 20-21 - IBA Center Mortgage Lending School Sept. 20-22 - IBA Center Safe Deposit Training: Compliance and Legal Issues Sept. 22 - IBA Center IBA Annual Washington Trip Sept. 25-27 - Washington, D.C. Identifying Common Mistakes During the Appraisal Compliance Review Sept. 27 - IBA Center Security Risk Management Seminar Sept. 27 - IBA Center CBC Compliance School - Lending Compliance Module Oct. 3-6 - IBA Center Essentials of Banking: Session 4 - Lending, Bank Investments and Bank Performance Oct. 4 - IBA Center Internal Audit and Risk Management School Oct. 11-12 - IBA Center &KLHI )LQDQFLDO 2IÀFHU )RUXP Oct. 11 - Group 1 - IBA Center Oct. 14 - Group 2 - IBA Center Senior Lender Forum Oct. 12 - Group 1 - IBA Center Oct. 13 - Group 2 - IBA Center Putting Power Into Prospecting: Successful Trust-Based Acquisition Strategies Oct. 13 - IBA Center Cybersecurity Conference Oct. 13-14 - Renaissance Indianapolis North Hotel, Carmel Marketing Directors Forum Oct. 18 - IBA Center IRA School Oct. 18 - Basic Issues - IBA Center Oct. 19 - Intermediate/Advanced Issues - IBA Center Social Strategies Workshop Oct. 19 IBA Center BSA/AML Compliance Management Oct. 20 - IBA Center Lenders Comprehensive Guide to Mortgage Lending Oct. 25-26 - IBA Center IBA Leadership Development Program - Session 4:Who Dares Wins Oct. 26-28 - Wooded Glen Retreat & Conference Center, Henryville ,7 DQG 2SHUDWLRQV 2IÀFHU )RUXP Oct. 27 - Group 1 - IBA Center Oct. 28 - Group 2 - IBA Center Community Bankers for Compliance School - Deposit and Operations Nov. 2-3 - IBA Center IBA Future Leadership Division Annual Conference Nov. 2-3 - Renaissance Indianapolis North Hotel, Carmel Implementing the New HMDA Rules Nov. 7 - IBA Center Branch Management Series: Session 4, Raising the Bar for Sustainable Growth Nov. 8 - IBA Center Human Resources Directors Forum Nov. 9 - IBA Center Fundamentals of Commercial Lending Nov. 9-10 - IBA Center Midwest Agricultural Banking School Nov. 14-17 - Purdue University, West Lafayette Community Bankers for Compliance Series - Session 4 Nov. 14 - The Landmark Conference Centre, Fort Wayne Nov. 15 - IBA Center Nov. 16 - IBA Center FDIC Banker College Nov. 17 - Indianapolis Marriott North, Indianapolis Successful Business Development - Making 2017 a RecordYear Dec. 6 - IBA Center Sharpening Your Vendor Management Skills Dec. 7 - IBA Center Advanced Commercial Lending School Dec. 8-9 - IBA Center Lending Compliance Update Dec. 13 - IBA Center $XJ %DVLF &DVK )ORZ $QDO\VLV $XJ (VVHQWLDO &RPSOLDQFH 5HJXODWLRQV IRU WKH Frontline $XJ ² 75,' 7KH :KHQ DQG :K\ RI 5HYLVHG 'LVFORVXUHV $XJ 8QGHUVWDQGLQJ &DOO 5HSRUW 5HJXODWRU\ &DSLWDO 6WDQGDUGV 5DWLRV 5LVN :HLJKWLQJ $XJ &ORVLQJ 'HSRVLW $FFRXQWV &ULWLFDO ,VVXHV $XJ +0'$ 1HZ DQG 5HTXLUHPHQWV $XJ 7KH $SSOLFDWLRQ 3URFHVV IRU WKH 1HZ 0RUWJDJH /HQGHU 0RUWJDJH $SSOLFDWLRQV /LQH E\ /LQH $XJ &(&/ 5XOHV )LQDOL]HG 2YHUYLHZ 3UHSDUDWLRQ 3ODQ DQG 'DWD &ROOHFWLRQ &RQVLGHUDWLRQV $XJ $XGLW &RPSOLDQFH 6HULHV $XGLWLQJ IRU %6$ &RPSOLDQFH $XJ +HDOWK 6DYLQJV $FFRXQWV ´3HUIHFW :RUOGµ YV ´5HDO :RUOGµ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etting It Right! 6HSW 5HJXODWLRQ ( 6HSW (VVHQWLDO &RPSOLDQFH 5HTXLUHV IRU /HQGHUV 6HSW 2SHQLQJ 'HSRVLW $FFRXQWV IRU //&V 'RFXPHQWDWLRQ DQG 3URFHGXUHV 6HSW 3DVW 'XH 6DIH 'HSRVLW %R[ DQG 8QFODLPHG 3URSHUW\ 8SGDWH 6HSW +0'$ 5RDGPDS 3DUW ,PSDFW ,PSRUWDQW &KDQJHV DQG ,PSOHPHQWDWLRQ &RQVLGHUDWLRQV IRU Lenders 6HSW *HW *OREDO 8QGHUVWDQGLQJ *OREDO &DVK )ORZ Analysis 6HSW 0RELOH 5HPRWH 'HSRVLW 6WUDWHJLHV 7HFKQRORJ\ 'HSOR\PHQW 0RGHOV DQG 5LVNV 6HSW $QDO\]LQJ $SSUDLVDOV IRU 0RUWJDJH 'HFLVLRQV 6HSW %6$ 5HG )ODJV IRU 0RQH\ /DXQGHULQJ )URQWOLQH $QQXDO 7UDLQLQJ ѢєѢѠѡ

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8 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 COVER STORY &LQG\ .RQLFK·V )+/%, RIÀFH LV ORFDWHG LQ WKH EDQN·V ,QGLDQDSROLV KHDGTXDUWHUV ˜›ȱ–˜›Žȱ‘Š—ȱŞŖȱ¢ŽŠ›œǰȱ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱœ¢œŽ–ȱ‘Šœȱ‹ŽŽ—ȱ ™›˜Ÿ’’—ȱ•’šž’’¢ȱ˜ȱꗊ—Œ’Š•ȱ’—œ’Ȭ ž’˜—œȱ’—ȱœž™™˜›ȱ˜ȱ‘˜žœ’—ȱꗊ—ŒŽǰȱ ŠœœŽȬ•’Š‹’•’¢ȱ–Š—ŠŽ–Ž—ȱŠ—ȱŒ˜–Ȭ –ž—’¢ȱ•Ž—’—ǯȱ ›ŽŠŽȱž›’—ȱ‘Žȱ ›ŽŠȱ Ž™›Žœœ’˜—ǰȱ‘Žȱœ¢œŽ–ȱŒ˜—œ’œœȱ ˜ȱŗŗȱ›Ž’˜—Š•ȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”œǯȱ ŠŒ‘ȱ‹Š—”ȱŠ‘Ž›Žœȱ˜ȱ‘ŽȱœŠ–Žȱ –’œœ’˜—ǰȱ‹žȱ˜™Ž›ŠŽœȱ’—Ž™Ž—Ž—•¢ǯ ȱ ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱ˜ȱ —’Š—Š™˜•’œȱǻ Ǽǰȱ•Žȱ‹¢ȱ ’—¢ȱ ǯȱ ˜—’Œ‘ǰȱœŽ›ŸŽœȱ —’Š—ŠȱŠ—ȱ ’Œ‘’Š—ǯȱ ˜—’Œ‘ǰȱśşǰȱ Šœȱ—Š–Žȱ™›Žœ’Ž—ȱŠ—ȱ Œ‘’ŽȱŽ¡ŽŒž’ŸŽȱ˜ĜŒŽ›ȱ’—ȱŘŖŗřȱŠŽ›ȱ ™›ŽŸ’˜žœȱœŽ›Ÿ’ŒŽȱ’—ȱŸŠ›’˜žœȱŒŠ™ŠŒ’’Žœǰȱ ’—Œ•ž’—ȱŒ‘’Žȱꗊ—Œ’Š•ȱ˜ĜŒŽ›ȱŠ—ȱ Œ˜ȬŒ‘’Žȱ˜™Ž›Š’—ȱ˜ĜŒŽ›ǯȱ ‘Žȱ“˜’—Žȱ ‘Žȱ ȱ’—ȱŗşŞŚǰȱŠŽ›ȱ™›’˜›ȱŽ¡™Ž›’Ȭ Ž—ŒŽȱŠœȱŠ—ȱ’—œž›Š—ŒŽȱž—Ž› ›’Ž›ǯ ȱ ˜—’Œ‘ȱŠ’’˜—Š••¢ȱœŽ›ŸŽœȱ˜—ȱ‘Žȱ ‹˜Š›œȱ˜ȱ’›ŽŒ˜›œȱ˜ȱ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱœ¢œŽ–Ȃœȱ ĜŒŽȱ ˜ȱ ’—Š—ŒŽǰȱŠ—ȱ˜ȱ Ž—Ž›Šȱ Ž’›ŽȬ –Ž—ȱ Ž›Ÿ’ŒŽœǯȱ ‘Žȱ Šœȱ—Š–Žȱ‹¢ȱ‘Žȱ —’Š—Šȱ —’ŸŽ›œ’¢ȱ Ž••Ž¢ȱ Œ‘˜˜•ȱ˜ȱ žœ’—ŽœœȱŠœȱŠ—ȱ ŒŠŽ–¢ȱ˜ȱ •ž–—’ȱ Ž••˜ ȱ’—ȱŘŖŗŚȱŠ—ȱ‹¢ȱ‘ŽȱIndianapolis Business JournalȱŠœȱŠȱ ȱ˜ȱ‘Žȱ ŽŠ›ȱ ‘˜—˜›ŽŽȱ’—ȱŘŖŗŖǯȱ ȱŒŽ›’ꮍȱ™ž‹•’ŒȱŠŒȬ Œ˜ž—Š—ǰȱ ˜—’Œ‘ȱŽŠ›—ŽȱŠȱ‹ŠŒ‘Ž•˜›Ȃœȱ Ž›ŽŽȱ›˜–ȱ —’Š—Šȱ —’ŸŽ›œ’¢ȱŠ—ȱ Š—ȱ ȱ›˜–ȱ‘Žȱ ǯ ǯȱ Ž••Ž¢ȱ Œ‘˜˜•ȱ ˜ȱ žœ’—Žœœǯ ȱ ŽŒŽ—•¢ȱHoosier Bankerȱ’—Ž›Ȭ Ÿ’Ž Žȱ ’—¢ȱ ˜—’Œ‘ȱŠ‹˜žȱ Ȃœȱ ™Š›—Ž›œ‘’™ȱ ’‘ȱ‘Žȱ‹Š—”’—ȱŒ˜–Ȭ –ž—’¢ȱ’—ȱ —’Š—ŠȱŠ—ȱ ’Œ‘’Š—ǯ What are your objectives as president and CEO of the Federal Home Loan Bank of Indianapolis? ȱ ȃ ¢ȱ™›’˜›’¢ȱ’œȱ˜ȱœŽȱ˜ž›ȱœ›ŠŽ’Œȱ ’›ŽŒ’˜—ȱŠ—ȱŸ’œ’˜—ȱ’—ȱŠ—ȱŽŸŽ›ȬŒ‘Š—Ȭ ’—ȱŽ—Ÿ’›˜—–Ž—ǯȱ ‘Žȱ ˜›•ȱŠ›˜ž—ȱ žœȱ’œȱŒ˜—œŠ—•¢ȱŽŸ˜•Ÿ’—ǰȱœ˜ȱ Žȱ—ŽŽȱ ˜ȱœŠ¢ȱœ›ŠŽ’ŒŠ••¢ȱŠ•’—ŽǰȱŠœȱ˜ž›ȱ ™›˜žŒœȱŠ—ȱœŽ›Ÿ’ŒŽœȱȮȱŠ—ȱ‘Žȱ Š¢ȱ ŽȱŽ•’ŸŽ›ȱ‘Ž–ȱȮȱŒ‘Š—Žǯ ȱ ȃ ž›ȱ˜›Ž–˜œȱŽ–™‘Šœ’œȱ’œȱ˜—ȱ –ŽŽ’—ȱ˜ž›ȱ–’œȬ œ’˜—ǯȱ œœŽ—’Š••¢ȱ Žȱ ™›˜Ÿ’Žȱ•’šž’’¢ȱ˜›ȱ –Ž–‹Ž›œǰȱ ‘Ž‘Ž›ȱ’—ȱ ŠŸŠ—ŒŽœȱ˜›ȱ‘›˜ž‘ȱ ˜‘Ž›ȱ’—’’Š’ŸŽœǯȱ ž›ȱ –Ž–‹Ž›œ‘’™ȱ’—Œ•žŽœȱ ŠȱŸŠ›’Ž¢ȱ˜ȱ’쎛Ž—ȱ ꗊ—Œ’Š•ȱ’—œ’ž’˜—œȱ ȭȱŒ˜––Ž›Œ’Š•ȱ‹Š—”œǰȱ ’—œž›Š—ŒŽȱŒ˜–™Š—’Žœǰȱ Œ›Ž’ȱž—’˜—œȱȭȱ‹žȱ Œ˜––Ž›Œ’Š•ȱ‹Š—”œȱ Š›Žȱ‹¢ȱŠ›ȱ‘Žȱ•Š›Žœȱ œŽ–Ž—ǯ ȱȱȱȱȃ ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱ ˜ȱ —’Š—Š™˜•’œȱ‘Šœȱ œ›˜—ȱŒ˜›™˜›ŠŽȱ˜ŸŽ›—Š—ŒŽǰȱœŠ›’—ȱ Šȱ‘Žȱ˜™ȱ ’‘ȱ˜ž›ȱ‹˜Š›ȱ˜ȱ’›ŽŒȬ ˜›œǰȱ ‘’Œ‘ȱ’—Œ•žŽœȱ˜ž›ȱŒ˜––ž—’¢ȱ ‹Š—”Ž›œȱ›˜–ȱ —’Š—Šǯȱ ŽȂ›Žȱž—’šžŽǰȱ ‹ŽŒŠžœŽȱ ŽȂ›ŽȱŠȱŒ˜˜™Ž›Š’ŸŽǯȱ Žȱ—ŽŽȱ ˜ȱ™›˜Ÿ’Žȱ‘Žȱ›’‘ȱ™›˜žŒœȱŠ—ȱœŽ›Ȭ Ÿ’ŒŽœǰȱ‹žȱŠ•œ˜ȱ˜ž›ȱ–Ž–‹Ž›œȱ‘ŠŸŽȱŠ—ȱ Ž¡™ŽŒŠ’˜—ȱ˜ȱ›Žž›—ȱ˜—ȱ’—ŸŽœ–Ž—ǯ ȱȱȱȱȃ ‘ŽȱŠ•’—Žȱ˜›ȱ‘Žȱ‹›˜ŠŽ›ȱ ŽŽ›Ȭ Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱœ¢œŽ–ȱ’œǰȱȁ ȂœȱŠȱ –˜Ž•ȱ‘Šȱ ˜›”œǯȂȱ —ȱ’ȱ’œǯȱ Ȃœȱ‹ŽŽ—ȱ ˜›”’—ȱŒ˜—œ’œŽ—•¢ȱœ’—ŒŽȱŗşřŘǯȄ ‘ŠȱŠ›Žȱ‘Žȱœ™ŽŒ’Š•’£Žȱ˜ěŽ›’—œȱ that FHLBI makes available? ȱ ȃ Žȱ˜ěŽ›ȱŠŸŠ—ŒŽȱœ™ŽŒ’Š•œǰȱŽȬ œ’—Žȱ˜ȱ’ŸŽȱœ–Š••Ž›ȱŽ™˜œ’˜›’Žœȱ ‘Žȱ˜™™˜›ž—’¢ȱ˜ȱŠ”ŽȱŠŸŠ—ŠŽȱ˜ȱ ™›˜žŒœȱ‘Šȱ—˜›–Š••¢ȱ‘ŠŸŽȱŠȱ–’—’Ȭ –ž–ȱ›ŠŽȱœ’£Žǯȱ Ž—ȱ‘’œȱ’œȱ›’ŸŽ—ȱ ˜™™˜›ž—’œ’ŒŠ••¢ǰȱ ‘Ž—ȱ ŽȱŒŠ—ȱ’œœžŽȱ Ž‹ȱ˜ȱŠŒŒŽœœȱŒ‘ŽŠ™ȱž—’—ǯȱ ȱ Žȱ ŒŠ—ȱ™˜˜•ȱ‘’œȱž—’—ȱ˜Ž‘Ž›ȱȭȱ ‘›˜ž‘ȱŽ›’ŸŠ’ŸŽœȱ˜›ȱ˜‘Ž›ȱ–ŽŒ‘ŠȬ —’œ–œǰȱ ŽȱŒŠ—ȱ•Ž—ȱ˜žȱ’—ȱœ–Š••Ž›ȱ ˜••Š›ȱŠ–˜ž—œǰȱŠ—ȱŒ˜••ŽŒ’ŸŽ•¢ȱŠ••ȱ˜ȱ ‘Žȱ™Š›’Œ’™Š—œȱ›ŽŒŽ’ŸŽȱŠȱ™›’ŒŽȱ‹›ŽŠ”ǯ ȱ ȃ ˜›ȱ’—œŠ—ŒŽȱ Žȱ–’‘ȱŽȱŠȱ›ŽŠȱ ŽŠ•ȱ˜—ȱŠȱ ˜Ȭ¢ŽŠ›ȱŽ‹ȱŽ›–ǯȱ ¢ȱŽ—Ȭ Š’—ȱ’—ȱ’—Ž›ŽœȬ›ŠŽȱœ Š™œȱŠ—ȱ‹¢ȱ œ’£’—ȱ’ȱŠȱŠȱ–’—’–ž–ȱ˜ȱǞŗŖȱ–’••’˜—ǰȱ ŽȱŒŠ—ȱ˜ěŽ›ȱ–Ž–‹Ž›œȱ˜ȱŒ˜–Žȱ’—˜ȱ ‘ŽȱŽŠ•ȱ˜›ȱǞŗȱ–’••’˜—ȱ˜›ȱ‘Š•ȱŠȱ–’•Ȭ •’˜—ȱȮȱŠȱ‹ŽĴŽ›ȱ›ŠŽȱ‘Š—ȱŠ—ȱ’—’Ÿ’žŠ•ȱ ›Š—œŠŒ’˜—ȱŒ˜ž•ȱŽǯ ȱ ȃ —˜‘Ž›ȱž—’—ȱ˜™’˜—ȱ’œȱ˜ž›ȱ ˜›ŠŽȱ ž›Œ‘ŠœŽȱ ›˜›Š–ǰȱ˜›ȱ ǯȱ ™™›˜ŸŽȱ ȱ–Ž–‹Ž›œȱœŽ••ȱšžŠ•’Ȭ ¢’—ȱ꟎Ȭȱ˜ȱřŖȬ¢ŽŠ›ȱ–˜›ŠŽœȱ’—˜ȱ Šȱ•˜Š—ȱ™˜˜•ǯȱ ˜ȱ‘Ž•™ȱŒ˜ŸŽ›ȱ™˜˜•Ȭ•ŽŸŽ•ȱ •˜Š—ȱ•˜œœŽœǰȱŠȱ Ž—Ž›ȱ ’œ”ȱ ŒŒ˜ž—ȱ ǻ Ǽȱ’œȱŽœŠ‹•’œ‘ŽȱŠ—ȱž—Žȱ˜›ȱ ŽŠŒ‘ȱœŽ••Ž›ǯȱ ȱž—œȱŠ›Žȱ›Žž›—Žȱ Cindy Konich: Opening Doors Through FHLBI Service

9 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 &RQWLQXHG RQ SDJH ˜ŸŽ›ȱ‘Žȱ•’Ž’–Žȱ˜ȱ‘Žȱ•˜Š—ǰȱ‹ŠœŽȱ˜—ȱ ‘Žȱ™Ž›˜›–Š—ŒŽȱ˜ȱ‘ŽœŽȱ™˜˜•œǯ ȱ ȃ ‘’œȱœ›žŒž›Žȱ™›˜Ÿ’ŽœȱŠȱœ›˜—ȱ ’—žŒŽ–Ž—ȱ˜ȱ™Š›’Œ’™Š’—ȱ–Ž–‹Ž›œȱ ˜ȱŽ•’ŸŽ›ȱ‘’‘ȬšžŠ•’¢ȱŒ›Ž’ȱ™›˜Ȭ žŒœǰȱŠ—ȱŠ••˜ œȱžœȱ˜ȱ ˜›”ȱ ’‘ȱŠ••ȱ œ’£Žœȱ˜ȱ’—œ’ž’˜—œǰȱŽŸŽ—ȱ’ȱ‘Ž¢ȱ˜—Ȃȱ ‘ŠŸŽȱ‘Žȱ™›˜žŒ’˜—ȱŸ˜•ž–Žȱ˜ȱ•Š›Ž›ȱ –˜›ŠŽȱ˜›’’—Š˜›œǯ ȱ ȃ ȱ ˜›”œǯȱ —ȱ Š¢ȱ Žȱ™Š’ȱ˜žȱ –˜›Žȱ‘Š—ȱǞŝśŖǰŖŖŖȱ’—ȱ ȱž—œȱ ˜ȱŚřȱ™Š›’Œ’™Š’—ȱ–Ž–‹Ž›œǯȱ ˜••Š›ȱ Š–˜ž—œȱ›Š—Žȱ›˜–ȱ•Žœœȱ‘Š—ȱǞŗŖŖȱ ˜ȱ˜ŸŽ›ȱǞŗŖŖǰŖŖŖǰȱŽ™Ž—’—ȱ˜—ȱ‘Žȱ Š–˜ž—ȱ’—ŸŽœŽȱ’—’’Š••¢ǰȱŠ—ȱ‘˜ ȱ ‘Žȱ™˜˜•ȱ˜ȱ•˜Š—œȱ™Ž›˜›–Žǯ ȱ ȃ ȱ’œȱŠȱŽœŠ–Ž—ȱ˜ȱ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱœ¢œŽ–ȱ‘ŠȱŽŠŒ‘ȱ Š—”ȱ–Š¢ȱŒžœ˜–’£Žȱ™›˜žŒœȱ Š—ȱœŽ›Ÿ’ŒŽœȱ˜ȱ–ŽŽȱ‘Žȱ—ŽŽœȱ˜ȱ ‘Žȱ›Ž’˜—ȱ’ȱœŽ›ŸŽœǯȱ ŽȱŽŸŽ•˜™ŽȱȮȱ Š—ȱŒ˜—’—žŽȱ˜ȱŽŸŽ•˜™ȱȮȱ˜ž›ȱ ȱ ˜ȱœŽ›ŸŽȱ˜ž›ȱ —’Š—ŠȱŠ—ȱ ’Œ‘’Š—ȱ –Ž–‹Ž›œǯȱ ˜›ȱ‘Ž–ǰȱ ȱ’œȱ‘Žȱ›’‘ȱ œ˜•ž’˜—ǯ ȱ ȃ ȱ‘’›ȱ˜ěŽ›’—ȱ’œȱ˜ž›ȱ 옛Š‹•Žȱ ˜žœ’—ȱ ›˜›Š–ǯȱ ‘ŠȂœȱ ‘Ž›ŽȱŗŖȱ ™Ž›ŒŽ—ȱ˜ȱ˜ž›ȱŽŠ›—’—œȱŠ›Žȱ™›˜Ÿ’Žȱ ‹ŠŒ”ȱ˜ȱ•˜ŒŠ•ȱŒ˜––ž—’’Žœȱ’—ȱ‘Žȱ˜›–ȱ ˜ȱ›Š—œǯ ȱ ȃ ŽȱŒŠ—ȱ’œœžŽȱŒ˜–™Ž’’ŸŽȱ›Š—œȱ ˜ȱž™ȱ˜ȱŠȱ‘Š•ȱŠȱ–’••’˜—ȱ˜••Š›œǰȱ ŠŸŠ’•Š‹•Žȱ˜›ȱŠȱŸŠ›’Ž¢ȱ˜ȱŒ˜––žȬ —’¢ȱŽŸŽ•˜™–Ž—ȱŠŒ’Ÿ’’ŽœȱœžŒ‘ȱŠœȱ ŠŒšž’œ’’˜—œǰȱŒ˜—œ›žŒ’˜—ȱ˜›ȱ™›˜™Ž›¢ȱ ›Ž‘Š‹’•’Š’˜—ǯȱ Ž–‹Ž›ȱ’—œ’ž’˜—œȱ ™Š›—Ž›ȱ ’‘ȱ•˜ŒŠ•ȱŽ—’’Žœȱ˜ȱŠ™™•¢ȱ˜›ȱ ›Š—œǰȱŠ—ȱŠȱœŒ˜›’—ȱ™›˜ŒŽœœȱŽŽ›Ȭ –’—Žœȱ ‘’Œ‘ȱ›Š—œȱŠ›ŽȱŠ Š›Žǯ ȱ ȃ ŽȱŠ•œ˜ȱ™›˜Ÿ’Žȱ›Š—ȱž—’—ȱ ˜ȱ˜ž›ȱ–Ž–‹Ž›œȱ‘Šȱ‘Ž¢ȱŒŠ—ȱž›—ȱ Š›˜ž—ȱŠ—ȱŠ™™•¢ȱ’›ŽŒ•¢ȱ˜ȱ‘Žȱ ‘˜žœ’—ȱ—ŽŽœȱ˜ȱ‘Ž’›ȱŒžœ˜–Ž›œȱ Ȯȱ’—Œ•ž’—ȱ‘˜–ŽȱŒ•˜œ’—ȱŒ˜œœȱ˜›ȱ šžŠ•’¢’—ȱꛜȬ’–Žȱ‘˜–Ž‹ž¢Ž›œǰȱŠ—ȱ ›Ž‘Š‹’•’Š’˜—ȱŠ—ȱ‘˜–Žȱ’–™›˜ŸŽȬ –Ž—ȱž—œȱ‘Šȱ‘Ž•™ȱ’–™›˜ŸŽȱ˜›ȱ ™›ŽœŽ›ŸŽȱ‘˜–ŽȱŸŠ•žŽœȱ˜›ȱŽ—œž›Žȱ‘Šȱ Ž•Ž›•¢ȱ˜›ȱ’œŠ‹•Žȱ‘˜žœŽ‘˜•œȱŒŠ—ȱ Œ˜—’—žŽȱ˜ȱ•’ŸŽȱ’—Ž™Ž—Ž—•¢ǯ ȱ ȃ ‘ŽœŽȱœ–Š••Ž›ȱ›Š—œȱȮȱŠœȱ•Š›ŽȱŠœȱ ǞŗŖǰŖŖŖȱ˜ȱǞŗśǰŖŖŖȱ™Ž›ȱ‘˜žœŽ‘˜•ǰȱŽȬ ™Ž—’—ȱ˜—ȱ‘Žȱ™›˜›Š–ȱȮȱŠ›ŽȱŠȱ›ŽŠȱ Š¢ȱ˜›ȱ˜ž›ȱ–Ž–‹Ž›ȱ‹Š—”œȱ˜ȱ–Š”Žȱ Šȱ›ŽŠ•ȱ’쎛Ž—ŒŽȱ’—ȱ—Ž’‘‹˜›‘˜˜œǰȱ ‘’•Žȱ™˜Ž—’Š••¢ȱž›—’—ȱꛜȬ’–Žȱ ‘˜–Ž‹ž¢Ž›œȱ’—˜ȱ•’Ž•˜—ȱŒžœ˜–Ž›œǯȱ —ȱŘŖŗŜȱ ŽȱœŽȱŠœ’Žȱ ǞŚǯŝȱ–’••’˜—ȱ˜ȱž—ȱ ‘ŽœŽȱ›Š—œȱ˜ȱ–Ž–Ȭ ‹Ž›œȱ˜—ȱŠȱꛜȬŒ˜–Žǰȱ ꛜȬœŽ›ŸŽȱ‹Šœ’œǯ ȱ ȃ ž›ȱ–Ž–‹Ž›œ‘’™ȱ ›ŽŠ••¢ȱŽ—“˜¢œȱ‹Ž’—ȱ Š‹•Žȱ˜ȱ’ŸŽȱ‹ŠŒ”ȱ˜ȱ‘Žȱ Œ˜––ž—’¢ǯȱ ˜›ŽȱŠ—ȱ –˜›Žȱ’—œ’ž’˜—œȱŠ›Žȱ —˜ ȱŠ”’—ȱŠŸŠ—ŠŽȱ ˜ȱŠŸŠ—ŒŽœǰȱ ȱŠ—ȱ ˜ž›ȱŠě˜›Š‹•Žȱ‘˜žœ’—ȱ ˜ěŽ›’—œǯȄ The FHLBI has assets over $50 billion, a œŠěȱ˜ȱ–˜›Žȱ‘Š—ȱŘŘŖȱ employees, and its Ž˜›Š™‘¢ȱ’—Œ•žŽœȱ Š••ȱ˜ȱ —’Š—ŠȱŠ—ȱ ’Œ‘’Š—ǯȱ ˜ ȱ do you ensure consistent quality ‘›˜ž‘˜žȱ‘Žȱ˜›Š—’£Š’˜—ǵ ȱ ȃ ȂœȱŠȱŒ‘Š••Ž—Žȱœ˜–Ž’–Žœǰȱ‹žȱ’ȱ ˜Žœȱ‹ŠŒ”ȱ˜ȱ‘Žȱ˜—ŽȱŠȱ‘Žȱ˜™ǰȱ˜ž›ȱ Œž•ž›Žǯȱ ŸŽ›¢˜—Žȱ‘Šœȱ˜ȱž—Ž›œŠ—ȱ ‘Šȱ˜ž›ȱœ›Ž—‘ȱ’œȱ’—ȱ˜ž›ȱ–Ž–‹Ž›ȱ ˜Œžœǯȱ ŽȱœŠ›ȱ ’‘ȱ‘Žȱž—Š–Ž—Š•ȱ šžŽœ’˜—ǰȱȁ ‘ŠȱŠ›Žȱ Žȱ›¢’—ȱ˜ȱ˜ǵȂȱ ‘ŽȱŠ—œ Ž›ȱ’œȱ˜ȱœŽ›ŸŽȱ˜ž›ȱ–Ž–‹Ž›œǰȱ Š—ȱ˜ȱœ˜ȱ›Ž•’Š‹•¢ǯ ȱ ȃ Ȃœȱ’–™˜›Š—ȱ˜ȱ™Š’›ȱ‘Šȱ–Ž–‹Ž›ȱ œŽ›Ÿ’ŒŽȱ ’‘ȱŠȱœ›˜—ȱ›’œ”ȱŒž•ž›Žǯȱ ŽȂŸŽȱŠ• Š¢œȱ‘ŠȱŠȱŒž•ž›Žȱ‘Šȱ˜Ȭ ŒžœŽȱ˜—ȱŒ›Ž’ȱ›’œ”ǰȱ–Š›”Žȱ›’œ”ȱŠ—ȱ ’—Ž›ŽœȬ›ŠŽȱ›’œ”ǰȱ‹žȱ ŽȱŒ˜—’—žŠ••¢ȱ ›Žę—Žȱ˜ž›ȱ˜Œžœȱ˜—ȱŠ’’˜—Š•ȱ›’œ”œǰȱ œžŒ‘ȱŠœȱ‹žœ’—Žœœȱ›’œ”ȱŠ—ȱ˜™Ž›Š’˜—Š•ȱ ›’œ”ǯȱ ™Ž›Š’˜—Š•ȱ›’œ”ȱ’—Œ•žŽœȱŽŒ‘Ȭ —˜•˜¢ǰȱœŽŒž›’¢ȱŠ—ȱŒ¢‹Ž›œŽŒž›’¢ǯ ȱ ȃ ŽŒŠžœŽȱ‘Žȱ‹žœ’—Žœœȱ‘Šœȱ‹ŽŒ˜–Žȱ –˜›ŽȱŒ˜–™•Ž¡ǰȱ Žȱ ˜›”ȱ˜ȱ”ŽŽ™ȱ ŽŸŽ›¢‹˜¢ȱ’—˜›–Žȱ‘›˜ž‘ȱ›Š—œȬ ™Š›Ž—Œ¢ȱŠ—ȱŒ˜––ž—’ŒŠ’˜—ǯȱ ‘Ž—ȱ Žȱ‘ŠŸŽȱŠȱ’œŒžœœ’˜—ȱ˜—ȱŠȱ‹žœ’—Žœœȱ ˜™’Œǰȱ Žȱ—˜ȱ˜—•¢ȱ‘ŠŸŽȱ‘Žȱ‹žœ’—Žœœȱ Š›ŽŠȱ™›ŽœŽ—ǰȱ‹žȱŠ•œ˜ȱ’—Œ•žŽȱ™Ž˜™•Žȱ ›˜–ȱŽŒ‘ǰȱꗊ—Œ’Š•ȱŒ˜—›˜•œȱŠ—ȱ›’œ”ȱ –Š—ŠŽ–Ž—ǯ ȱ ȃ Ȃœȱ—˜ȱŠȱ–ŠĴŽ›ȱ˜ȱŠŸ˜’’—ȱ›’œ”ȱ ȭȱ’Ȃœȱ–Š—Š’—ȱ›’œ”ǯȱ ˜ȱŠ›Žœœȱ›’œ”ȱ Š—ȱ–ŽŽȱ‘Žȱ–’œœ’˜—ȱ’—ȱŠȱœŠŽȱŠ—ȱ œ˜ž—ȱ–Š——Ž›ȱ›Žšž’›ŽœȱŠȱœ›˜—ǰȱ ›Žœ’•’Ž—ȱœŠěǰȱŠ—ȱ Žȱ‘ŠŸŽȱ‘Šǯȱ —Žȱ ˜ȱ–¢ȱ›ŽŠŽœȱœ˜ž›ŒŽœȱ˜ȱ™›’Žȱ’œȱ˜ž›ȱ Š•Ž—ŽȱŽŠ–ǯȄ Photos of successful housing initiatives adorn the walls of the Federal Home Loan Bank of Indianapolis. ˜ ȱ’ȱ¢˜ž›ȱŒŠ›ŽŽ›ȱŽŸŽ•˜™ǵ ȱ ȃ ‘Ž—ȱ ȱœž’ŽȱŠȱ —’Š—Šȱ —’ŸŽ›Ȭ œ’¢ǰȱ ȱ˜ȱ–¢ȱž—Ž››ŠžŠŽȱŽ›ŽŽȱ ’—ȱŽŒ˜—˜–’ŒœǰȱŠ—ȱ‘Ž—ȱ ȱ ˜›”Žȱ’—ȱ ’—œž›Š—ŒŽȱŠœȱŠ—ȱž—Ž› ›’Ž›ǯȱ Ž›ȱŠȱ Œ˜ž™•Žȱ˜ȱ¢ŽŠ›œǰȱ ȱ Ž—ȱ‹ŠŒ”ȱ˜ȱœŒ‘˜˜•ȱ ˜ȱŽȱ–¢ȱ ǰȱ ‘’•Žȱ ȱ Šœȱ ˜›”’—ǯ ȱ ȃ Ž›ȱŒ˜–™•Ž’—ȱ–¢ȱ ǰȱ ȱŽ•ȱ œ›˜—•¢ȱ‘Šȱ ȱ Š—Žȱ˜ȱ™ž›œžŽȱ–Š—Ȭ ŠŽ–Ž—ǯȱ ȱœŠ ȱŠ—ȱŠȱ’—ȱ‘Žȱ—Ž œ™ŠȬ ™Ž›ȱ˜›ȱ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”ȱ ˜ȱ —’Š—Š™˜•’œǰȱŠ—ȱ ȱ’—Ȃȱ”—˜ ȱ ‘˜ȱ‘Ž¢ȱ Ž›Žǰȱ‹žȱ ȱ Šœȱ’—Ž›ŽœŽǯȱ ȱ’—Ž›Ÿ’Ž ŽȱŠ—ȱ Šœȱ‘’›ŽȱŠœȱŠȱŒŠœ‘ȱ –Š—ŠŽ›ȱ’—ȱ‘Žȱ ’›Žȱ›Š—œŽ›ȱŠ—ȱ œŽŒž›’¢ȱœŠŽ”ŽŽ™’—ȱŠ›ŽŠǯ ȱ ȃ ŠŽ›ȱ ȱ˜˜”ȱ˜—ȱŠ’’˜—Š•ȱ›Žœ™˜—Ȭ œ’‹’•’’Žœȱ‘›˜ž‘ȱ‘Žȱž—’—ȱœ’Žȱ Š—ȱ‘Ž’—ȱœ’Žǯȱ Ž›’ŸŠ’ŸŽœȱ Ž›Žȱ ‘Ž—ȱ‹ŽŒ˜–’—ȱŠȱ‹’ȱ™Š›ȱ˜ȱꗊ—Ȭ Œ’Š•ȱ’—œ’ž’˜—œȂȱ‘Ž’—ȱŠ—ȱ›’œ”ȱ –Š—ŠŽ–Ž—ȱ˜˜•œǯȱ ‘Ž¢ȱ Ž›Žȱ‹›Š—ȱ —Ž ǰȱ‹žȱ‘Ž¢ȂŸŽȱ ˜›”Žȱ˜žȱ Ž••ȱ ˜›ȱ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Š—”œǯȱ ŽȱŒ˜ž•—Ȃȱ˜ȱ ‘Šȱ Žȱ˜ȱ ’‘˜žȱ ‘Ž–ǯ ȱ ȃ ›’’—Š••¢ȱ ‘Ž—ȱ ȱ“˜’—Žǰȱ ȱ‘˜ž‘ȱ Ȃȱœ™Ž—ȱŠȱŽ ȱ¢ŽŠ›œȱ‘Ž›Žȱ Š—ȱ‘Ž—ȱ–˜ŸŽȱ˜—ȱ˜ȱœ˜–Ž‘’—ȱŽ•œŽǯȱ žȱ ȱ•˜ŸŽȱ ‘Šȱ ȱ Šœȱ˜’—ǰȱŠ—ȱ ŽŸŽ—žŠ••¢ȱ ȱ–˜ŸŽȱ’—˜ȱ‘ŽȱŒ‘’Žȱ ꗊ—Œ’Š•ȱ˜ĜŒŽ›ȱ™˜œ’’˜—ǯȱ ȱ Šœȱ–˜›Žȱ ‘Š—ȱŠȱ“˜‹ǯȱ ȱ ŠœȱŠȱŒŠ›ŽŽ›ǯ ȱ ȃ ‘Šȱ ȱ˜ž—ȱ ’‘ȱ‘’œȱ˜›Š—’£ŠȬ ’˜—ȱ’œȱ‘Šȱ’Ȃœȱ—ŽŸŽ›ȱ‘ŽȱœŠ–Žǯȱ ‘Žȱ ‹Š—”ȱ›Ž’—ŸŽ—œȱ’œŽ•ȱŽŸŽ›¢ȱŽ ȱ¢ŽŠ›œǯȱ

10 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 ŽȱŒ˜—’—žŽȱ˜ȱ˜Œžœȱ˜—ȱ ‘ŠŽŸŽ›ȱ‘Žȱ ›ŽŠ•’ŽœȱŠ›Žȱ’—ȱ˜Š¢ȂœȱŽ—Ÿ’›˜—–Ž—ǰȱ Š—ȱ Žȱ–Š”Žȱœž›Žȱ ŽȱꗍȱŠȱ Š¢ȱ˜ȱ –ŽŽȱ˜ž›ȱ–’œœ’˜—ǯȄ ‘ŠȱŠ›Žȱ‘Žȱ‹’ŽœȱŒ‘Š••Ž—Žœȱ˜ȱ ž•ę••’—ȱ‘Žȱ ȱ–’œœ’˜—ǵ ȱ ȃ ‘ŽȱꛜȱŒ‘Š••Ž—Žȱ’œȱ‘ŽȱŒ‘Š—’—ȱ Ž—Ÿ’›˜—–Ž—ȱȭȱ•˜˜”’—ȱŠȱ‘Žȱ ŽŒ˜—˜–’ŒȱŽ—Ÿ’›˜—–Ž—ȱ˜ȱŽŽ›–’—Žȱ ‘Šȱ‘Žȱ›Ž—œȱŠ›ŽǰȱŠ—ȱ‘˜ ȱ˜ȱ ŠŠ™ǯȱ Ȃœȱ’—Ÿ’˜›Š’—ȱ˜ȱꐞ›Žȱ˜žȱ ‘Ž—ȱŠ—ȱ‘˜ ȱ˜ȱŽ™•˜¢ȱŠ—ȱŠŒ’˜—ȱ ™•Š—ȱŠ›˜ž—ȱŒ‘Š—’—ȱŒ’›Œž–œŠ—ŒŽœǯȱ ŽŒ‘—˜•˜¢ȱ’œȱŠȱ™Ž›ŽŒȱŽ¡Š–™•Žǰȱ ‹ŽŒŠžœŽȱ‘Ž›ŽȂœȱŠȱ‘žŽȱŒ˜—’—žž–ȱ˜ȱ ŽŒ‘—˜•˜¢ȱ’—ȱ‘Žȱ›ŽŠ•–ȱ˜ȱœŽŒž›’¢ǯ ȱ ȃ ‘Žȱ˜‘Ž›ȱŒ‘Š••Ž—Žȱ’œȱ‘Šȱ Žȱ Continued from page 9. 0DU\%HWK :RWW IDU OHIW FRPPXQLW\ LQYHVWPHQWV RIÀFHU RI )+/%, DQG &LQG\ .RQLFK WKLUG IURP OHIW DWWHQG an event celebrating the opening of Lakeside Gardens in Cicero. FHLBI member STAR Bank partnered with Hamilton County Area Neighborhood Development to secure a $325,000 affordable housing grant from FHLBI to help fund the development, which offers affordable rental housing for seniors. œŽ›ŸŽȱ‹˜‘ȱ —’Š—ŠȱŠ—ȱ ’Œ‘’Š—ǰȱ Š—ȱ‹˜‘ȱœŠŽœȱ Ž›Žȱ‘’ȱ™Š›’Œž•Š›•¢ȱ ‘Š›ȱ’—ȱ‘ŽȱŽŒ˜—˜–’ŒȱŒ¢Œ•Žǯȱ ˜ ȱ‘Žȱ ŽŒ˜—˜–¢ȱ’œȱ’–™›˜Ÿ’—ǰȱŠ—ȱ ŽȱŠ›Žȱ œŽŽ’—ȱ–˜›ŽȱŠŒ’ŸŽȱ‹˜››˜ ’—ǯ ȱ ȃ ŽȱŠ›Žȱ̎¡’‹•Žǰȱ•’”ŽȱŠȱ›ž‹‹Ž›ȱ ‹Š—ǯȱ ŽȱŒŠ—ȱœ›ŽŒ‘ȱ˜›ȱŒ˜—›ŠŒȱŠœȱ Žȱ—ŽŽȱ˜ǰȱ‹ŽŒŠžœŽȱ˜ȱ‘Žȱ Š¢ȱ Žȱ ’œœžŽȱ˜ž›ȱŽ‹ǯȱ ž›’—ȱ‘Žȱꗊ—Œ’Š•ȱ Œ›’œ’œǰȱ Žȱ›Ž ȱœ’—’ęŒŠ—•¢ȱ•Š›Ž›ȱ˜ȱ ‹ŽȱŠ‹•Žȱ˜ȱž—ȱŠŸŠ—ŒŽœǯȱ ‘Ž—ȱ‘Ž¢ȱ Ž›Žȱ—˜ȱ•˜—Ž›ȱ—ŽŽŽǰȱ Žȱ Ž›ŽȱŠ‹•Žȱ ˜ȱœ‘›’—”ȱ‹ŠŒ”ǯȱ ‘Šȱ̎¡’‹’•’¢ȱ‘Šœȱ œŽ›ŸŽȱžœȱ Ž••ǯȄ ‘ŠȱŠ›Žȱ‘Žȱ›ŽŠŽœȱ›Ž Š›œǵ ȱ ȃ ‘Žȱ›ŽŠŽœȱ›Ž Š›œȱŠ›Žȱ –ŽŽ’—ȱ‘ŽȱŠ¢Ȭ˜ȬŠ¢ȱ—ŽŽœȱ˜ȱ˜ž›ȱ –Ž–‹Ž›œ‘’™ȱ‘›˜ž‘ȱ Š••ȱ˜ȱ‘ŽȱœŽ›Ÿ’ŒŽœȱ Žȱ ™›˜Ÿ’Žǯȱ —ŽȱŽ¡Š–™•Žȱ ’œȱ˜ž›ȱ ˜›ŠŽȱ ž›Œ‘ŠœŽȱ ›˜›Š–ǯȱ ž›ȱ –Ž–‹Ž›œȱŠ›Žȱ›ŽŠ••¢ȱ œŠ›’—ȱ˜ȱž—Ž›œŠ—ȱ ‘Šȱ‘Šȱ™›˜›Š–ȱŒŠ—ȱ ˜ȱ˜›ȱ‘Ž–ǰȱŠ—ȱŠȱ•˜ȱ –˜›Žȱ’—œ’ž’˜—œȱŠ›Žȱ ™Š›’Œ’™Š’—ǯ ȱȱȱȱȃ —˜‘Ž›ȱ›Ž Š›ȱ ’œȱ˜’—ȱ˜ȱ›’‹‹˜—Ȭ ŒžĴ’—œȱ˜›ȱŠě˜›Š‹•Žȱ ‘˜žœ’—ȱ™›˜“ŽŒœȱ ˜ž›ȱ–Ž–‹Ž›œȱ‘ŠŸŽȱ œž™™˜›Žǰȱžœ’—ȱ˜ž›ȱ Cindy Konich joined the Federal Home Loan Bank of Indianapolis in 1984. ȱ›Š—œǯȱ ȂœȱŠȱ›ŽŠȱ›Ž–’—Ž›ȱ˜ȱ ‘Žȱ’–™ŠŒȱ ȱŠ—ȱ˜ž›ȱ–Ž–‹Ž›œȱ Š›Žȱ‘ŠŸ’—ȱ˜—ȱ‘ŽȱŒ˜––ž—’’Žœȱ Žȱ œŽ›ŸŽǯȱ ŽŒŽ—•¢ȱ ȱ Ž—ȱ˜ȱŠȱ›’‹‹˜—Ȭ ŒžĴ’—ȱ’—ȱ —’Š—Š™˜•’œȱ˜›ȱŠȱ‘˜žœ’—ȱ ™›˜›Š–ȱ˜›ȱŸŽŽ›Š—œǯȱ ‘Ž¢ȱ Ž›Žȱ ›ŽŒŽ’Ÿ’—ȱŒ˜—œ’œŽ—ǰȱ™Ž›–Š—Ž—ǰȱ Šě˜›Š‹•Žȱ‘˜žœ’—ȱ‘Šȱ–’‘ȱ—˜ȱ ‘ŠŸŽȱ‹ŽŽ—ȱŠŸŠ’•Š‹•Žȱ ’‘˜žȱ˜ž›ȱ ™›˜›Š––’—ǯ ȱ ȃ ’—Š••¢ǰȱ˜—Žȱ˜ȱ‘Žȱ›ŽŠŽœȱ ›Ž Š›œȱ’œȱ ’‘’—ȱ‘’œȱ˜›Š—’£Š’˜—ǰȱ ‘Ž—ȱ ȱœŽŽȱŠ—ȱŽ–™•˜¢ŽŽȱ‹•˜œœ˜–ǯȱ ˜–Ž’–Žœȱ™Ž˜™•Žȱ ’••ȱŠ••ȱ˜ȱŠȱœžŽ—ȱ Œ˜–Žȱ˜žȱ˜ȱ‘Ž’›ȱœ‘Ž••œȱŠ—ȱŠ”Žȱ˜—ȱ ‘Žȱ ˜›•ǰȱꗍ’—ȱŠȱ Š¢ȱ˜ȱ›ŽŠ••¢ȱ Š™™•¢ȱ‘Ž’›ȱŠ‹’•’’Žœǯȱ Ȃœȱ›Š’¢’—ȱ˜›ȱ ‘Ž–ȱŠ—ȱ˜›ȱžœǰȱ‹ŽŒŠžœŽȱ‘Ž¢Ȃ›Žȱœ˜ȱ ŽěŽŒ’ŸŽȱŠ—ȱŽ—ŠŽȱ’—ȱ ‘Šȱ‘Ž¢ȱ ˜ǯȄ ‘Šȱ ˜ž•ȱ¢˜žȱ•’”Žȱ˜›ȱ‹Š—”Ž›œȱ˜ȱ ”—˜ ȱŠ‹˜žȱ‘Žȱ ŽŽ›Š•ȱ ˜–Žȱ ˜Š—ȱ Bank of Indianapolis? ȃ ‘Šȱ ŽȂ›ŽȱŠ• Š¢œȱ‘Ž›Žȱ˜›ȱ ‘Ž–ǰȱ ŽȂ›Žȱ›Ž•’Š‹•ŽǰȱŠ—ȱ ŽȂ›Žȱ‘Ž’›ȱ ™Š›—Ž›œǯȱ ‘Žȱ”Ž¢ȱ’œȱ‘Šȱ‘’œȱ’œȱŠȱ Œ˜˜™Ž›Š’ŸŽǰȱŠȱ‹žœ’—Žœœȱ™Š›—Ž›œ‘’™ǯȱ Žȱ˜Œžœȱ˜—ȱ™›˜Ÿ’’—ȱšžŠ•’¢ȱ œŽ›Ÿ’ŒŽœǰȱŠ—ȱ ŽȱŠ•œ˜ȱ˜Œžœȱ˜—ȱ –Š”’—ȱœž›Žȱ‘Šȱ ŽȱŒŠ—ȱ™Š¢ȱŠȱœ›˜—ȱ Š—ȱ›ŽŠœ˜—Š‹•Žȱ’Ÿ’Ž—ǯ ȱ ȃ ŽȱŠ• Š¢œȱ Š—ȱ˜ȱ”ŽŽ™ȱŠ—ȱ˜™Ž—ȱ ’Š•˜žŽǯȱ —¢’–Žȱ˜ž›ȱ–Ž–‹Ž›œȱ‘ŠŸŽȱ ’ŽŠœǰȱ™•ŽŠœŽȱ‹›’—ȱ‘Ž–ȱ˜› Š›ǯȱ Žȱ›ŽŠ••¢ȱŠ™™›ŽŒ’ŠŽȱ‘Ž’›ȱ ˜›”’—ȱ ’‘ȱžœǯȄ ‘Ž—ȱ‘Žȱ ǯ ǯȱ Ž••¢ȱ Œ‘˜˜•ȱ˜ȱ Business named you to the Academy ˜ȱ •ž–—’ȱ Ž••˜ œȱ’—ȱŘŖŗŚǰȱ‘Žȱ œŒ‘˜˜•Ȃœȱ Ž‹œ’Žȱ’—’ŒŠŽDZȱȃ •‘˜ž‘ȱ she has many responsibilities, Cindy places her family at the top of her ™›’˜›’’ŽœǯȄȱ ˜ ȱ˜ȱ¢˜žȱœ›žŒž›Žȱ your time to meet your priorities? ȱ ȃ ’›œǰȱ ȱ‘ŠŸŽȱŠȱ›ŽŠȱ‘žœ‹Š—ǰȱŠȱ ›ŽŠȱ™Š›—Ž›ǯȱ ’–ȱ’œȱ’—ȱ‘Žȱ’—œž›Š—ŒŽȱ ‹žœ’—ŽœœǰȱŠ—ȱ‘Žȱ˜ —œȱŠ—ȱŠŽ—Œ¢ȱ’—ȱ ˜Š—œ™˜›ǯ ȱ ȃ ŽȂŸŽȱ‹ŽŽ—ȱ–Š››’Žȱœ’—ŒŽȱ ŗşŞŖȱŠ—ȱ‘ŠŸŽȱ‘›ŽŽȱŒ‘’•›Ž—ǯȱ ž›ȱ Šž‘Ž›ȱ•’ŸŽœȱ’—ȱ Ž—ŸŽ›ǰȱŠœȱ˜Žœȱ˜ž›ȱ ˜•Ž›ȱœ˜—ǰȱ ‘˜ȱ’œȱ˜žȱ‘Ž›Žȱ ˜›”’—ȱ ˜—ȱ‘’œȱ ǯȱ ž›ȱ¢˜ž—Ž›ȱœ˜—ȱ’œȱŠȱ œžŽ—ȱŠȱ —’Š—Šȱ —’ŸŽ›œ’¢ǯ ȱ ȃ ŽȂŸŽȱŠ• Š¢œȱ‹ŽŽ—ȱ‹’ȱ

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