Table of Contents 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36

2016 Vol. 100 No. 9

HOOSIER BANKER SEPTEMBER 2016 INSIDE Al Smith leads Chase Bank, Indiana, in dedicated service. Story on page 8. 1916 - 2016 YEARS

2 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 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. CCommunity bankers, examiners, auditors, and others who have been involved in our industry for more than a couple of years have almost certainly heard, or heard of, Ed Krei. A keynote speaker, banking analyst, and instructor to regulators and graduate students alike, he’s also a guy who produces laugh lines nearly as memorable as the knowledge he imparts in his presentations. “Indiana bankers congratulate Ed on his retirement,” says S. Joe DeHaven, Chief Executive Officer, Indiana Bankers Association. “He has been among the most popular speakers in Indiana for over twenty years. Ed’s wisdom and insight have been utilized by our banks to maximize investment returns while maintaining appropriate safety and soundness principles. Best wishes for a long and happy retirement.” Since the mid-nineties, Ed’s been a managing director, senior analyst, and go-to guy for regulatory issues among many other things at our firm, The Baker Group LP. We’ve been incredibly fortunate to have him all these years, and though he’ll continue to teach banking schools and do other work in the industry, after mid-year we’re no longer going to have him as a day-to-day resource at Baker. Ed leaves behind some big shoes to fill. His depth of banking knowledge and presentation skills are matched only by his humor, or perhaps his frequent-flyer status with the airlines. The Wit and Wisdom of Ed Krei Jeffrey F. Caughron Chief Operating Officer Managing Director The Baker Group LP During his tenure, Ed has been an invaluable resource to clients around the country and a wonderful spokesman and representative of our firm. There are few in the banking industry who have made such a powerful, positive impact, and done it with such humor. To underscore that last point, one can’t help but chuckle at even a brief list of Ed’s greatest quips. Some are original, others he always attributed, but every one guaranteed a laugh. Here’s just a small sampling of some favorites: “Be the kind of person your dog thinks you are.” “There’s little education in the second kick of a mule.” “If it grows too fast it’s probably a weed.” “If it’s faster for me to misspell a word, I’ll do that to save time. It’s a small mind that can only spell a word one way.” “Economists are guys who are good with numbers but didn’t have the personality to be a CPA.” “Blessed are they who can laugh at themselves for they shall never cease to be amused.” There is, and always has been, only one Ed Krei. Often imitated, never duplicated. Ed’s brilliant insight and great humor—always used in behalf of his banking clients—has made our industry better. There can be no doubt that the wit and wisdom of Ed Krei will continue to be second to none. Ed Krei Retires from The Baker Group The Baker Group LP has announced the June 30, 2016 retirement of Ed Krei, a managing director and board member who joined the company in 1994. A frequent speaker at banking and investment conferences and a faculty member of several banking schools, Ed has served on numerous civic and community boards. He plans to devote more time to charitable endeavors with which he is involved. Ed received his BBA with honors in accountancy from the University of Mississippi, and was gold medalist on the CPA examination in Tennessee. He was recently inducted into the school of accountancy’s hall of fame. In 2008 he received the Chairman’s award from the Independent Bankers Association of Texas in recognition of his contribution to Texas community banking.

TABLE OF CONTENTS VOLUME 100 NO. 9 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 AL SMITH:VETERAN BANKER FEATURES 5 CEO PONDERINGS S. Joe DeHaven, IBA 6 IBA CALENDAR OF EVENTS 12 HOOSIER BANKER HERITAGE 26 SO MANY SHINY OBJECTS, SO LITTLE TIME Jeff Rendel, Rising Above Enterprises 30 STATE DEPOSITS IN INDIANA FINANCIAL INSTITUTIONS PSP SHOWCASE 16 SETYOUR BOARD OF DIRECTORS FREE WITH CSI’S SECURE CONNECT APP Christy Rikel, CSI GR SPOTLIGHT 18 IBA REGIONAL MEETINGS:A CONTINUED SUCCESS IN 2016 Dax Denton, IBA HUMAN RESOURCES 20 WHO’S NEXT? SUCCESSION PLANNING – MORE IMPORTANT THAN YOU MIGHT THINK Geri R. Forehand, Forehand Strategy Group SECURITY / FRAUD 22 CYBERSECURITY:AREYOU READY FOR EXAMS? Lori Jean, Krieg DeVault LLP OPERATIONS / TECHNOLOGY 28 THE IMPORTANCE OF ACH AUDITS Jennifer Kline, EPCOR DEPARTMENTS 14 COMPLIANCE CONNECTION Brett J.Ashton, Krieg DeVault LLP 14 ANNIVERSARY MILESTONES 15 HONORABLE MENTIONS 21 IN MEMORY OF 24 FROM THE BOARD ROOM 25 ASSOCIATE MEMBERS’ CORNER 31 BANKING ON COMMUNITY 32 BANKERS ON THE MOVE 34 ADVERTISERS INDEX 1916 - 2016 YEARS 3 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 J.Albert Smith Jr. is chairman of Chase Bank, Indiana.

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 L. 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 ђѝѡђњяђџȱ2016

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‘Žȱ‘Šœȱ‹ŽŽ—ȱ›Žœ™˜—œ’‹•Žȱ˜›ȱŽ’’—ȱ˜ž›ȱ–˜—‘•¢ȱ ̊œ‘’™ȱ–ŠŠ£’—ŽǰȱHoosier Bankerǰȱ˜›ȱ‘Žȱ™ŠœȱŘşȱ¢ŽŠ›œǯȱ ȱ›ŽŠȱŠ••ȱ˜ȱ‘Žȱ˜žœŠ—’—ȱ–ŠŠ£’—Žœȱ™ž‹•’œ‘Žȱ‹¢ȱœŠŽȱ ‹Š—”Ž›œȱŠœœ˜Œ’Š’˜—œȱ—Š’˜— ’ŽǰȱŠ—ȱHoosier Bankerȱ’œȱŠœȱ ˜˜ȱŠœȱ’ȱŽœǯ ȱ ˜••˜ ’—ȱ‘Žȱ–Ž›Ž›ǰȱ ˜ȱ Šœ•Ž¢ǰȱŸ’ŒŽȱ™›Žœ’Ž—Ȭ™›˜Ȭ žŒœȱǭȱœŽ›Ÿ’ŒŽœǰȱ“˜’—Žȱ‘Žȱ ȱ˜••˜ ’—ȱŠ—ȱŗŞȬ¢ŽŠ›ȱŒŠ›ŽŽ›ȱ ŠœȱŠȱ‹Š—”Ž›ǰȱ’—Œ•ž’—ȱ‘›ŽŽȱ¢ŽŠ›œȱŠœȱ™›Žœ’Ž—ȱŠ—ȱ ǯȱ ’œȱ‘Š—œȬ˜—ȱ‹ŠŒ”›˜ž—ȱ’ŸŽœȱ‘’–ȱŒ˜––˜—ȱ›˜ž—ȱ ’‘ȱ ‹Š—”Ž›œȱŠ—ȱŠœœ˜Œ’ŠŽȱ–Ž–‹Ž›œǯȱ ˜ȱ˜Žœȱ˜žœŠ—’—ȱ ˜›”ȱœŽ›Ÿ’—ȱŠœȱ˜ž›ȱŽ¢ŽœȱŠ—ȱŽŠ›œȱ ’‘ȱ‘ŽœŽȱ ˜ȱ’–™˜›Ȭ Š—ȱŒ˜—œ’žŽ—Œ’Žœǯ ȱ Š¡ȱ Ž—˜—ȱ“˜’—Žȱ‘Žȱ ȱŽ’‘ȱ¢ŽŠ›œȱŠ˜ȱ˜ȱꕕȱŠȱ—Ž ȱ ™˜œ’’˜—ȱ ’‘’—ȱ‘Žȱ˜ŸŽ›—–Ž—ȱ›Ž•Š’˜—œȱŠ›ŽŠǯȱ Žȱ‘Šœȱ™Ž›Ȭ ˜›–Žȱœ˜ȱ Ž••ȱ‘Šȱ‘Žȱ—˜ ȱ•ŽŠœȱ ȱŠŸ˜ŒŠŒ¢ȱŠœȱœŽ—’˜›ȱ Ÿ’ŒŽȱ™›Žœ’Ž—Ȭ˜ŸŽ›—–Ž—ȱ›Ž•Š’˜—œǯȱ Š¡ȱ’œȱŠœœ’œŽȱ‹¢ȱ˜ž›ȱ —Ž ŽœȱŽ–™•˜¢ŽŽǰȱ ›’”Šȱ Š••ǰȱ ‘˜ȱ“˜’—Žȱ‘Žȱ ȱ’—ȱ Š¢ȱŠœȱ Šœœ’œŠ—ȱŸ’ŒŽȱ™›Žœ’Ž—Ȭ˜ŸŽ›—–Ž—ȱ›Ž•Š’˜—œǯȱ ȱ ‘ŽœŽȱ’—’Ÿ’žŠ•œȱŠ›ŽȱŠ‹•¢ȱœž™™˜›Žȱ‹¢ȱ˜ž›ȱŽ’ŒŠŽȱ 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6 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 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 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 Midwest Trust and Wealth Management Conference Oct. 10-12 - The Inn at St. John’s, Plymouth, Michigan 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 ABA National Agricultural Bankers Conference Nov. 13-16 - JW Marriott Indianapolis 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 LinkedIn Value Strategies Feb. 22, 1017 - IBA Center 6HSW 6HYHQ +DELWV RI +LJKO\ 6XFFHVVIXO %DQNHUV 6HSW 5HJXODWLRQ % -RLQW ,QWHQW 6HSW $&+ IRU WKH )URQWOLQH 6HSW 06% 'XH 'LOLJHQFHV DQG 0RQLWRULQJ IRU &RPPXQLW\ %DQNV 6HSW 0RUWJDJH 6HUYLFLQJ &RPSOLDQFH 6HSW /LYLQJ 7UXVW 'RFXPHQWV 6HSW %6$ &RPSOHWLQJ &75 DQG 6$5 5HSRUWV /LQH E\ /LQH 6HSW 'LUHFWRU DQG 2IÀFHU /LDELOLW\ 5XOHV 5LVNV DQG 7UHQGV 6HSW 1HZ &XVWRPHU 'XH 'LOLJHQFH 5XOHV IRU %HQHÀFLDO 2ZQHUVKLS ,PSOHPHQWDWLRQ *DPH 3ODQ 6HSW 5HVLGHQWLDO &RQVWUXFWLRQ /HQGLQJ 6HSW 0D[LPL]LQJ /LQNHG,Q WR %XLOG D ´6RFLDO 6HOOLQJµ &XOWXUH 6HSW +DQGOLQJ 'RUPDQW $FFRXQWV 8QFODLPHG Property and Escheatment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perations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iring 2FW 2SHQLQJ )LGXFLDU\ $FFRXQWV 7UXVWV 32$V (VWDWHV *XDUGLDQVKLSV DQG 0RUH 2FW 8QLIRUP &RPPHUFLDO &RGH :KDW <RX 1HHG WR Know 2FW )',& 5ROOV 2XW 1HZ ,7 ([DPLQDWLRQ :RUN Program 2FW /LTXLGLW\ )XQGLQJ &RQFHUQV LQ D 5LVNLQJ ,QWHUHVW 5DWH 0DUNHW 2FW 8QGHUVWDQGLQJ 7LWOH ,QVXUDQFH 3ROLFLHV &RPPLWPHQWV DQG $/7$ (QGRUVHPHQWV 2FW 2SHQLQJ 7UXVW $FFRXQWV +RW 6SRWV 2FW 2YHUGUDIW 2XWORRN /LWLJDWLRQ /HVVRQV $YRLGLQJ Violations and Best Practices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ђѝѡђњяђџ

NOVEMBER 2 -3, 2016 • RENAISSANCE INDIANAPOLIS NORTH HOTEL • CARMEL, IN visualizing the leader within TO REGISTER VISIT US ONLINE at www.indianabankers.org or BY PHONE at 317-387-9380 FOR MORE INFO Contact DAX DENTON or LAURIE REES at 317-387-9380 JOIN US FOR THE 2016 FLD LEADERSHIP CONFERENCE

8 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 COVER STORY ȱŠȱœŠŽȱ’—ȱ•’Žȱ ‘Ž—ȱ–˜œȱŠ›Žȱ ‹Šœ”’—ȱ’—ȱ›Ž’›Ž–Ž—ǰȱ ǯȱ •‹Ž›ȱ –’‘ȱ ›ǯǰȱŝŜǰȱœŽ›ŸŽœȱŠœȱŒ‘Š’›–Š—ȱ˜ȱ ‘ŠœŽȱ Š—”ǰȱ —’Š—ŠǰȱŠȱ™˜œ’’˜—ȱ‘Žȱ ‘Šœȱ‘Ž•ȱœ’—ŒŽȱŘŖŗŚǯȱ Žȱ‘Šœȱ‹ŽŽ—ȱ ’‘ȱ ‘ŠœŽȱ Š—”ȱŠ—ȱ’œȱ™›ŽŽŒŽœœ˜›ȱ˜›ŠȬ —’£Š’˜—œȱœ’—ŒŽȱŗşŜşǯ ȱ –’‘Ȃœȱ‹Š—”’—ȱŒŠ›ŽŽ›ȱ‹ŽŠ—ȱ’—ȱ ŗşŜŚȱ ’‘ȱ ‘Ž–’ŒŠ•ȱ ˜›—ȱ ¡Œ‘Š—Žȱ Š—”ȱ’—ȱ Ž ȱ ˜›”ȱ ’¢ǯȱ ‘Šȱ’—œ’žȬ ’˜—ȱ•ŠŽ›ȱ–Ž›Žȱ ’‘ȱ ‘ŠœŽȱ Š—”ǯȱ –’‘ȱ˜‹œŽ›ŸŽœDZȱȃ —ȱœ˜–Žȱ›Žœ™ŽŒœǰȱ ȂŸŽȱ‹ŽŽ—ȱ ’‘ȱ‘ŽȱœŠ–Žȱ˜›Š—’£Š’˜—ȱ ˜›ȱśŘȱ¢ŽŠ›œǯȄ ȱ –’‘ȱ“˜’—Žȱ –Ž›’ŒŠ—ȱ •ŽŒ‘Ž›ȱ Š’˜—Š•ȱ Š—”ȱ’—ȱ —’Š—Š™˜•’œǰȱ‘’œȱ ‘˜–Ž˜ —ǰȱ’—ȱŗşŜşǯȱ ‘Ž—ȱ ȱ –Ž›Žȱ’—˜ȱ Š—”ȱ —Žȱ ˜›™ǯǰȱ –’‘ȱ œŽ›ŸŽȱ’—ȱŸŠ›’˜žœȱŒŠ™ŠŒ’’Žœǰȱ’—Œ•žȬ ’—ȱ™›Žœ’Ž—ȱ˜ȱ Š—”ȱ —Žȱ Ž—›Š•ȱ —’Š—ŠDzȱ–Š—Š’—ȱ’›ŽŒ˜›ȱ˜ȱ Š—”ȱ —Žȱ ˜›™ǯDzȱ™›Žœ’Ž—ȱ˜ȱ Š—”ȱ —Žǰȱ —’Š—Šǰȱ DzȱŠ—ȱ™›Žœ’Ž—ȱ˜ȱ Š—Œȱ —Žȱ ˜›ŠŽȱ ˜›™ǯ ȱ ‘›˜ž‘˜žȱ‘’œȱŒŠ›ŽŽ›ǰȱ –’‘ȱ‘Šœȱ Ž¡Ž—Žȱ‘’œȱ•ŽŠŽ›œ‘’™ȱ‹Ž¢˜—ȱ ‹Š—”’—ȱ˜ȱŠȱŸŠ›’Ž¢ȱ˜ȱŒ’Ÿ’Œȱ˜›Š—’Ȭ £Š’˜—œǯȱ ž››Ž—ȱ˜ž›ŽŠŒ‘ȱ’—Œ•žŽœȱ œŽ›Ÿ’ŒŽȱ˜—ȱ‘Žȱ‹˜Š›œȱ˜ȱ’›ŽŒ˜›œȱ ˜ȱ ’–˜—ȱ ›˜™Ž›¢ȱ ›˜ž™ȱ —Œǯǰȱ‘Žȱ —’Š—Šȱ ‘Š–‹Ž›ȱ˜ȱ ˜––Ž›ŒŽǰȱ —¢ȱ ‘Š–‹Ž›ǰȱ —’Š—Š™˜•’œȱ Ž’‘‹˜›Ȭ ‘˜˜ȱ ˜žœ’—ȱ Š›—Ž›œ‘’™ǰȱ —’Š—Š™˜•’œȱ ¢–Ȭ ™‘˜—¢ȱ ›Œ‘Žœ›Šǰȱ Ž—›Š•ȱ —’Š—Šȱ ˜›™˜›ŠŽȱ Š›Ȭ —Ž›œ‘’™ȱŠ—ȱ‘Žȱ —’Š—Š™˜•’œȱ ˜˜ǯ ȱȱȱȱ –’‘Ȃœȱ ’Žȱ Š›’‹Ž‘ȱŠ•œ˜ȱ’œȱ ŠŒ’ŸŽȱ’—ȱ‘Žȱ‹žœ’Ȭ —ŽœœȱŒ˜––ž—’¢ǰȱ œŽ›Ÿ’—ȱŠœȱŒ‘Š’›Ȭ –Š—ȱŠ—ȱ ȱ˜ȱ Š›’‹Ž‘ȱ –’‘ȱ ǭȱ œœ˜Œ’ŠŽœȱ —Œǯǰȱ Š—ȱŽŸŽ—ȱ–Š—ŠŽȬ –Ž—ȱꛖǯȱ ‘Žȱ –’‘œȱ‘ŠŸŽȱ‘›ŽŽȱ Œ‘’•›Ž—ȱŠ—ȱŽ’‘ȱ ›Š—Œ‘’•›Ž—ǯ ȱȱȱȱHoosier Bankerȱ ›ŽŒŽ—•¢ȱ’—Ž›Ȭ Ÿ’Ž Žȱ •ȱ –’‘ȱ Š‹˜žȱ‘’œȱŒŠ›ŽŽ›DZ When you accepted chairmanship of the bank in 2014, you were replacing a younger banker who retired. Why did you continue working, rather than retire yourself? ȱ ȃ ‘ŽȱšžŽœ’˜—ȱ ȱŠ–ȱ–˜œȱ›ŽšžŽ—Ȭ •¢ȱŠœ”Žȱ’œǰȱȁ ‘Ž—ȱŠ›Žȱ¢˜žȱ˜’—ȱ˜ȱ ›Ž’›ŽǵȂȱ ȱŽ¡™•Š’—ȱ‘Šȱ ȱŽ—“˜¢ȱ ‘Šȱ Ȃ–ȱ ˜’—ǰȱŠ—ȱ‘ŠȱŠœȱ•˜—ȱŠœȱ ȱŒŠ—ȱŠȱ ŸŠ•žŽǰȱ ȱ ˜ž•ȱ•’”Žȱ˜ȱŒ˜—’—žŽǯ ȱ ȃ ȱ Š—ȱ˜ȱœŠ¢ȱŠŒ’ŸŽǰȱŠ—ȱ ȱŠ–ȱ—˜ȱ ›ŽŠ••¢ȱœž›Žȱ ‘Šȱ ȱ ˜ž•ȱ˜ȱ’—ȱ›Ž’›ŽȬ –Ž—ǯȱ ¢ȱ˜•ȱŠ–Žȱ’œȱ—˜ȱ˜˜ǯȄ What are your duties as chairman of Chase Bank, Indiana? ȱ ȃ Ȃ–ȱ‘ŽȱŒ˜—ŒŽ›–ŠœŽ›ǯȱ Ȃœȱ–¢ȱ“˜‹ȱ ˜ȱŽȱŽŸŽ›¢‹˜¢ȱ˜ȱ ˜›”ȱ˜Ž‘Ž›ǰȱ˜ȱ Œ˜––ž—’ŒŠŽȱŠ—ȱ˜ȱŒ˜–Žȱž™ȱ ’‘ȱ ‘Žȱ‹Žœȱœ˜•ž’˜—œȱ˜›ȱ˜ž›ȱŒ•’Ž—œǯ ȱ ȃ œȱœŽ—’˜›ȱ›Ž™›ŽœŽ—Š’ŸŽȱ˜›ȱ ˜›Š—ȱ ‘ŠœŽȱ’—ȱ —’Š—Šǰȱ ȱŒ‘Š’›ȱ ˜ž›ȱ–Š›”Žȱ•ŽŠŽ›œ‘’™ȱŽŠ–ȱ˜›ȱ‘Žȱ œŠŽǯȱ ‘ŠȱŽŠ–ȱŒ˜—œ’œœȱ˜ȱ‘ŽȱœŽ—’˜›ȱ •ŽŠŽ›œȱ˜ȱ˜ž›ȱŸŠ›’˜žœȱ•’—Žœȱ˜ȱ‹žœ’Ȭ —Žœœȱȭȱ›ŽŠ’•ǰȱŠœœŽȱ–Š—ŠŽ–Ž—ǰȱŒ˜–Ȭ –Ž›Œ’Š•ȱ‹Š—”’—ȱŠ—ȱ˜‘Ž›œǯ ȱ ȃ ‘Žȱ™ž›™˜œŽȱ˜ȱ˜ž›ȱŽŠ–ȱ’œȱ˜ȱ ‹›’—ȱ˜Ž‘Ž›ȱŠ••ȱ‘Žȱ•’—Žœȱ˜ȱ‹žœ’—Žœœȱ ˜ȱ™›ŽœŽ—ȱ‘Žȱ‹Š—”ȱŠœȱŠȱž—’ꮍȱ‹Š—”ǰȱ ŸŽ›œžœȱœŽ™Š›ŠŽȱ•’—Žœȱ˜ȱ‹žœ’—Žœœǯȱ ž›ȱŽŠ–ȱŠ•œ˜ȱ’œȱ›Žœ™˜—œ’‹•Žȱ˜›ȱ‘Žȱ ŸŠ›’˜žœȱ™‘’•Š—‘›˜™’ŒȱŠŒ’Ÿ’’Žœȱ˜ȱ˜ž›ȱ ˜ž—Š’˜—ǯȱ ŽȂ›ŽȱŸŽ›¢ȱ™›˜žȱ‘Šȱ Žȱ ›Š—Žǰȱ‘›˜ž‘ȱ˜ž›ȱ—˜Ȭ˜›Ȭ™›˜ęȱ ™Š›—Ž›œǰȱŒ•˜œŽȱ˜ȱǞśȱ–’••’˜—ȱ•Šœȱ¢ŽŠ›ȱ ˜ȱ˜›Š—’£Š’˜—œȱ‘Šȱœ›Ž—‘Ž—ȱ˜ž›ȱ Œ˜––ž—’¢ǯ ȱ ȃ ‘Žȱ˜ž—Š’˜—ȱ‘Šœȱ˜ž›ȱ™’••Š›œDZȱ ˜›”˜›ŒŽȱŽŸŽ•˜™–Ž—ǰȱꗊ—Œ’Š•ȱ •’Ž›ŠŒ¢ǰȱœ–Š••ȱ‹žœ’—Žœœȱ’—’’Š’ŸŽœȱŠ—ȱ ŽŒ˜—˜–’ŒȱŽŸŽ•˜™–Ž—ǯȱ ž›ȱ Al Smith: Veteran Banker J.Albert Smith Jr. is chairman of Chase Bank, Indiana, headquartered in Indianapolis.

9 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 &RQWLQXHG RQ SDJH ˜ǯȱŗȱ™’••Š›ȱ’œȱ ˜›”˜›ŒŽȱŽŸŽ•˜™Ȭ –Ž—ǰȱ‹ŽŒŠžœŽȱ‘Ž›ŽȂœȱŠȱ‘žŽȱ’œŒ˜—Ȭ —ŽŒȱ‹Ž ŽŽ—ȱ‘Žȱ‘’›’—ȱ—ŽŽœȱ˜ȱ –’•Žȱ–Š›”ŽȱŒ˜–™Š—’Žœȱȭȱ‘˜œŽȱ ‹Ž ŽŽ—ȱǞśŖȱ–’••’˜—ȱŠ—ȱǞśŖŖȱ–’••’˜—ȱ ’—ȱœŠ•ŽœȱȭȱŠ—ȱ ˜›”˜›ŒŽȱŠŸŠ’•Š‹•Žǯȱ ‘ŽœŽȱŒ˜–™Š—’Žœȱ‘ŠŸŽȱ˜˜ȱ“˜‹œȱ ŠŸŠ’•Š‹•Žǰȱ‹žȱ‘Ž¢ȱŒŠ—Ȃȱꗍȱ™Ž˜™•Žȱ ’‘ȱ‘Žȱ›’‘ȱœ”’••œǯ ȱ ȃ ‘Ž›ŽȱŠ›ŽȱŠȱ•˜ȱ˜ȱ™Ž˜™•Žȱ ‘˜ȱŠ›Žȱ ž—Ž–™•˜¢ŽǰȱŠ—ȱ‘Žȱ˜—•¢ȱ“˜‹ȱ‘Ž¢ȱ ŒŠ—ȱꗍȱ’œȱ̒™™’—ȱ‘Š–‹ž›Ž›œǯȱ ŽȂ›Žȱ ˜›”’—ȱ ’‘ȱ Ÿ¢ȱ ŽŒ‘ȱ ˜––ž—’¢ȱ ˜••ŽŽȱŠ—ȱ ˜—Ž¡žœȱ —’Š—Šȱȭȱ ‘’Œ‘ȱ’œȱ™Š›ȱ˜ȱ‘Žȱ Ž—›Š•ȱ —’Š—Šȱ ˜›™˜›ŠŽȱ Š›—Ž›œ‘’™ȱȭȱ ‹ŽŒŠžœŽȱ‘ŽœŽȱ˜›Š—’£Š’˜—œȱ‘Ž•™ȱ ˜ȱž™›ŠŽȱ™Ž˜™•ŽȂœȱœ”’••œȱ‘›˜ž‘ȱ ›Š’—’—ȱ™›˜›Š–œǯ ȱ ȃ ˜›ȱ˜ž›ȱœŽŒ˜—ȱ™’••Š›ǰȱꗊ—Œ’Š•ȱ •’Ž›ŠŒ¢ǰȱ ŽȂ›Žȱ ˜›”’—ȱ ’‘ȱ‘Žȱ —’Š—Š™˜•’œȱ Ž’‘‹˜›‘˜˜ȱ ˜žœ’—ȱ Š›—Ž›œ‘’™ȱŠ—ȱ‘Žȱ —’Žȱ Š¢ȱ˜ȱ Ž—›Š•ȱ —’Š—Šǯȱ ˜›ȱ˜ž›ȱ‘’›ȱ™’••Š›ǰȱ œ–Š••ȱ‹žœ’—Žœœȱ’—’’Š’ŸŽœǰȱ ŽȱŠ›Žȱ™Š›ȱ ˜ȱŠȱ–’Œ›˜ȱ•Ž—’—ȱ™˜˜•ȱ‘›˜ž‘ȱ‘Žȱ —’Š—Šȱ ‘Š–‹Ž›ǯ ȱ ȃ ž›ȱ˜ž›‘ȱ™’••Š›ǰȱŽŒ˜—˜–’Œȱ ŽŸŽ•˜™–Ž—ǰȱ’œȱ˜ŒžœŽȱ˜—ȱ —Ž’‘‹˜›‘˜˜ȱ›ŽŸ’Š•’£Š’˜—ǯȱ Žȱ Œ˜—›’‹žŽȱǞŗȱ–’••’˜—ȱ˜ȱ‘Žȱ ‘ŠœŽȱ ŽŠ›ȱ Šœœ’Žȱ ŽŠŒ¢ȱ Ž—Ž›ǰȱŠȱ šžŠ•’¢Ȭ˜Ȭ•’ŽȱŒŽ—Ž›ǰȱŠ—ȱ Žȱ ˜›”ȱ Œ•˜œŽ•¢ȱ ’‘ȱ˜›Š—’£Š’˜—œȱ’—Œ•ž’—ȱ ǰȱ ‘’Œ‘ȱ’œȱ‘Žȱ ˜ŒŠ•ȱ —’’Š’ŸŽœȱ ž™™˜›ȱ ˜›™ǯǰȱ‘Žȱ —’Š—Š™˜•’œȱ Ž’‘‹˜›‘˜˜ȱ ˜žœ’—ȱ Š›—Ž›œ‘’™ȱ Š—ȱ‘Žȱ ˜‘—ȱ ǯȱ ˜—Ž›ȱ ˜––ž—’¢ȱ Ž—Ž›ǯȱ ‘Žȱ ‘ŠœŽȱ ŽŠ›ȱ Šœœ’Žȱ ŽŠŒ¢ȱ Ž—Ž›ȱŠ•œ˜ȱ›ŽŒŽ’ŸŽȱž—’—ȱ ›˜–ȱ‘Žȱ ȱ ‘Ž—ȱ‘Žȱ ž™Ž›ȱ ˜ •ȱ Šœȱ‘Ž›Žȱ’—ȱŘŖŗŘǯ ȱ ȃ —ȱ˜Š•ȱ Žȱ‘ŠŸŽȱ’—ŸŽœŽȱŒ•˜œŽȱ˜ȱ ǞŘŖȱ–’••’˜—ȱ’—ȱ‘Žȱ—ŽŠ›ȱŽŠœœ’Žǯȱ ˜ȱ ›Ž™•’ŒŠŽȱ‘Šǰȱ ŽȱŠ›Žȱ’—Ÿ˜•ŸŽȱ’—ȱŠ—ȱ ’—’’Š’ŸŽȱŒŠ••Žȱ ›ŽŠȱ •ŠŒŽœȱŘŖŘŖǯ ȱ ȃ ȱœ™Ž—ȱŠȱ›ŽŠȱŽŠ•ȱ˜ȱ–¢ȱ’–Žȱ˜—ȱ ‘Žȱ˜ž—Š’˜—ȱŠ—ȱ’œȱ ˜›”ǰȱ™•žœȱ ȱ œŽ›ŸŽȱ˜—ȱŸŠ›’˜žœȱ‹˜Š›œǰȱ›Ž™›ŽœŽ—’—ȱ ‘Žȱ‹Š—”ǯȱ ŽȱŽ—Œ˜ž›ŠŽȱŠ••ȱ˜ȱ˜ž›ȱ Ž–™•˜¢ŽŽœȱ˜ȱꗍȱŠȱ‹˜Š›ȱ‘Šȱ‘Ž¢ȱ ‘ŠŸŽȱŠȱ™Šœœ’˜—ȱ˜›ȱŠ—ȱ‹ŽŒ˜–Žȱ ’—Ÿ˜•ŸŽǯȄ What led you into banking? ȱ ȃ Ȃœȱ’—ȱ–¢ȱ ǯȱ ¢ȱ›Š—Š‘Ž›ǰȱ ǯȱ •‹Ž›ȱ –’‘ǰȱ˜ž—Žȱ ’Ž•’¢ȱ Š—”ȱŠ—ȱ ›žœȱ ˜–™Š—¢ȱ’—ȱ —’Š—Š™˜•’œȱ ’‘ȱ‘›ŽŽȱ ™Š›—Ž›œǯȱ ‘Ž—ȱ‘Žȱ ™ŠœœŽȱŠ Š¢ȱŠȱŠȱ¢˜ž—ȱ ŠŽǰȱ–¢ȱŠ‘Ž›ǰȱ ‘˜ȱ Šœȱœ’••ȱ’—ȱŒ˜••ŽŽǰȱ‘Šȱ ˜ȱœŽ••ȱ‘’œȱŠ–’•¢ȂœȱŘśȱ ™Ž›ŒŽ—ȱ’—Ž›Žœȱ’—ȱ‘Žȱ ‹Š—”ȱ˜ȱ›Š’œŽȱ–˜—Ž¢ȱ ˜›ȱ‘’œȱ–˜‘Ž›ȱŠ—ȱ ˜ȱ œ’œŽ›œǯȱ ¢ȱŠȱœ˜•ȱ–¢ȱ ›Š—Š‘Ž›Ȃœȱ’—Ž›Žœȱ ˜ȱŠȱŽ••˜ ȱ‹¢ȱ‘Žȱ—Š–Žȱ ˜ȱ ›Š—”ȱ Œ ’——Ž¢ȱ ›ǯǰȱŠ—ȱ‘ŠȂœȱ‘˜ ȱ ›ǯȱ Œ ’——Ž¢ȱ˜ȱ’—˜ȱ‘Žȱ ‹Š—”’—ȱ‹žœ’—Žœœǯ ȱ ȃ ‘’œȱ Šœȱž›’—ȱ ‘Žȱ Ž™›Žœœ’˜—ǯȱ œȱŠȱ Œ˜—’’˜—ȱ˜ȱ‘ŽȱœŠ•Žǰȱ ›Š—”ȱ Œ ’——Ž¢ȱ ›ǯȱ™›˜–’œŽȱ˜ȱ‘’›Žȱ –¢ȱŠ‘Ž›ȱ ‘Ž—ȱ‘Žȱ ›ŠžŠŽȱ›˜–ȱ ˜›Žȱ Š–Žǯȱ ‘ŽȱŠ¢ȱŠŽ›ȱ –¢ȱŠȱꗒœ‘ŽȱŒ˜••ŽŽǰȱ‘Žȱ Ž—ȱ˜ȱ ˜›”ȱ˜›ȱ ›Š—”ȱ Œ ’——Ž¢ȱ ›ǯǰȱŠ—ȱ ‘Žȱ›Ž–Š’—Žȱ‘›˜ž‘˜žȱ‘’œȱŽ—’›Žȱ ŒŠ›ŽŽ›ǰȱ›Ž’›’—ȱŠȱŠŽȱŜŝǯ ȱ ȃ ȱœŠ›Žȱ ˜›”’—ȱŠȱ‘Žȱ‹Š—”ȱ ‘Ž—ȱ ȱ ŠœȱŗŜǰȱ˜’—ȱœž––Ž›ȱ“˜‹œǯȱ ȱ ˜›”Žȱ’—ȱ‘Žȱ›žœȱŽ™Š›–Ž—ȱŠ—ȱ Œ˜––Ž›Œ’Š•ȱ‹Š—”’—ȱŽ™Š›–Ž—ǰȱ Š—ȱ ȱ ŠœȱŠȱŽ••Ž›ȱ˜›ȱŠȱ—ž–‹Ž›ȱ˜ȱ œž––Ž›œǯȱ ‘Ž—ȱ’ȱ Šœȱ’–Žȱ˜›ȱ Œ˜••ŽŽǰȱ ȱ˜••˜ Žȱ–¢ȱŠȱ˜ȱ‘Žȱ —’ŸŽ›œ’¢ȱ˜ȱ ˜›Žȱ Š–Žǯ ȱ ȃ —ȱ‘˜œŽȱŠ¢œǰȱ Žȱ ‘Šȱ‘Žȱ›Šǯȱ ŸŽ›¢ȱ ¢˜ž—ȱ–Š—ȱ”—Ž ȱ‘Žȱ ‘Šȱ˜ȱœŽ›ŸŽǰȱŠ—ȱ”—Ž ȱ ‘Žȱ‘Šȱ˜ȱ™’Œ”ȱ‘˜ ȱ˜ȱ œŽ›ŸŽǯȱ ȱŽŒ’Žȱ˜—ȱ‘Žȱ ŠŸ¢ǰȱœ˜ȱ ȱ“˜’—Žȱ‘Žȱ ŠŸ¢ȱ ȱ’—ȱŒ˜••ŽŽǯȱ ‘Ž—ȱ ȱ›ŠžŠŽȱ’—ȱ ŗşŜŘǰȱ ȱ‘Ž•ȱŠȱ’™•˜–Šȱ ›˜–ȱ ˜›Žȱ Š–Žȱ’—ȱ–¢ȱ ›’‘ȱ‘Š—ǰȱŠ—ȱ˜›Ž›œȱ ŠœȱŠ—ȱŽ—œ’—ȱ˜ĜŒŽ›ȱ’—ȱ ‘Žȱ ǯ ǯȱ ŠŸ¢ȱ’—ȱ–¢ȱ•Žȱ ‘Š—ǯ ȱ ȃ ȱœ™Ž—ȱ ˜ȬŠ—ȬŠȬ ‘Š•ȱ¢ŽŠ›œȱ’—ȱ‘Žȱ ŠŸ¢ȱ ˜—ȱŠȱŽœ›˜¢Ž›ǯȱ ȱ•˜ŸŽȱ ’ȱŠ—ȱŒŠ–ŽȱŸŽ›¢ȱŒ•˜œŽȱ ˜ȱœŠ¢’—ǯȱ žȱ ȱ ŠœȱŽ—ŠŽȱ˜ȱŠȱ —’ŒŽȱ•Š¢ǰȱŠ—ȱ ȱ Š—Žȱ˜ȱ‹ž’•ȱŠȱ Š–’•¢ȱ•’Žǰȱœ˜ȱ ȱ“˜’—Žȱ ‘Ž–’ŒŠ•ȱ ˜›—ȱ ¡Œ‘Š—Žȱ Š—”ȱ’—ȱ Ž ȱ ˜›”ȱ ’¢ȱ’—ȱ Š¢ȱŗşŜŚǯ ȱ ȃ ›’’—Š••¢ȱ ȱ‘ŠȱœŽ—ȱ–¢ȱ›Žœž–Žǰȱ ‘’Œ‘ȱ ȱ ŠœȱŠ’›•¢ȱ™›˜žȱ˜ǰȱ˜ȱ‘›ŽŽȱ Ž ȱ ˜›”ȱ‹Š—”œDZȱ ’›œȱ Š’˜—Š•ȱ Š—”ȱ ˜ȱ Ž ȱ ˜›”ǰȱ ˜›Š—ȱ žŠ›Š—¢ȱ ›žœȱ ˜–™Š—¢ȱŠ—ȱ ‘ŠœŽȱ Š—‘ŠĴŠ—ȱ Š—”ǯȱ ȱ Šœȱž›—Žȱ˜ —ȱŠœŽ›ȱ‘Š—ȱ ȱŒ˜ž•ȱ‹•’—”ǯ The headquarters of Chase Bank, Indiana, features Indiana artwork. This photo shows Al Smith at work in the late 1980s.

10 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 Continued from page 9. ȱ ȃ ˜ȱ ȱ’ȱœ˜–ŽȱŠœ”’—ȱŠ›˜ž—ǰȱŠ—ȱ ˜ž—ȱ‘Šȱ˜ȱ‹ŽȱŠŒŒŽ™Žȱ’—˜ȱŠ—ȱ Ž¡ŽŒž’ŸŽȱ›Š’—’—ȱ™›˜›Š–ȱŠȱ˜—Žȱ˜ȱ ‘˜œŽȱ‹Š—”œǰȱ¢˜žȱ‘Šȱ˜ȱ‹Žȱ›˜–ȱŠ—ȱ Ÿ¢ȱ ŽŠžŽȱœŒ‘˜˜•ǯȱ ‘Šȱ™›ŠŒ’ŒŽȱ‘Šœȱ œ’—ŒŽȱ˜—ŽȱŠ Š¢ǯ ȱ ȃ ‘Ž›Žȱ ŠœȱŠȱ–Š—ȱ‹¢ȱ‘Žȱ—Š–Žȱ˜ȱ Š›˜•ȱ Ž•–ȱ ‘˜ȱ Šœȱ›ž——’—ȱ‘Žȱ ‘Ž–’ŒŠ•ȱ ˜›—ȱ ¡Œ‘Š—Žȱ Š—”ǯȱ Žȱ Šœȱ›˜–ȱ Ž—žŒ”¢ǰȱ‘Žȱ’œ•’”Žȱ‘Žȱ Ÿ¢ȱ ŽŠžŽǰȱŠ—ȱ‘Žȱ ˜ž•—Ȃȱ‘’›Žȱ Š—¢‹˜¢ȱ›˜–ȱ Ÿ¢ȱ ŽŠžŽȱœŒ‘˜˜•œǯȱ ˜ȱ ȱ˜ȱ‘’›ŽǰȱŠ—ȱ ȱ ˜›”ŽȱŠ•˜—Ȭ œ’Žȱ˜‘Ž›ȱȁ–’œęœȂȱ›˜–ȱ ˜›Žȱ Š–Žǰȱ ‘Žȱ —’ŸŽ›œ’¢ȱ˜ȱ ••’—˜’œȱŠ—ȱ ’•Ȭ •’Š–œȱ ˜••ŽŽǯ ȱ ȃ Ž›ȱ˜’—ȱ‘›˜ž‘ȱ‘Žȱ›Š’—’—ȱ ™›˜›Š–ǰȱ‘Žȱꛜȱ™Ž›œ˜—ȱ ȱ ˜›”Žȱ ’‘ȱ Šœȱ Š•Ž›ȱ ‘’™•Ž¢ǯȱ Žȱ•ŠŽ›ȱ ‹ŽŒŠ–Žȱ ȱ˜ȱ ˜›Š—ǰȱŠ—ȱ ȱœ’••ȱ œŽŽȱ‘’–ȱ˜ŒŒŠœ’˜—Š••¢ǯ ȱ ȃ —ȱŗşŜşȱ ȱŒŠ–Žȱ‹ŠŒ”ȱ˜ȱ —’Š—Šǯȱ ȱ‘Šȱ’–Žȱ’—ȱ Ž ȱ ˜›”ǰȱ¢˜žȱ‘Šȱ˜ȱ ‹Žȱ’—˜ȱ¢˜ž›ȱśŖœȱ‹Ž˜›Žȱ¢˜žȱŒ˜ž•ȱŽȱ Š—¢ȱ”’—ȱ˜ȱ›Žœ™˜—œ’‹’•’¢ǯȱ ȱ–˜ŸŽȱ ‹ŠŒ”ȱ‘Ž›ŽȱŠȱŠŽȱŘşȱ˜ȱ‹ŽŒ˜–Žȱ™Š›ȱ ˜ȱœŽ—’˜›ȱ–Š—ŠŽ–Ž—ȱŠȱ –Ž›’ŒŠ—ȱ •ŽŒ‘Ž›ȱ Š’˜—Š•ȱ Š—”ǯȄ How does IBA membership ‹Ž—Žęȱ ‘ŠœŽȱ Š—”ǰȱ —’Š—Šǵ ȱ ȃ ›˜–ȱŠȱ˜ŸŽ›—–Ž—ȱ›Ž•ŠȬ ’˜—œȱ™Ž›œ™ŽŒ’ŸŽǰȱ’ȂœȱŸŽ›¢ȱ ‘Ž•™ž•ǯȱ ȱ ‘ŠœŽȱ Žȱ‘ŠŸŽȱ –¢ȱ ›Ž——Š—ǰȱ ‘˜ȱ’œȱ’—ȱŒ‘Š›Žȱ˜ȱ ˜ž›ȱ˜ŸŽ›—–Ž—ȱ›Ž•Š’˜—œȱ˜›ȱ ‘ŽȱœŠŽȱ˜ȱ —’Š—Šǯȱ ‘Žȱ ˜›”œȱ Œ•˜œŽ•¢ȱ ’‘ȱ ˜Žȱ Ž ŠŸŽ—ȱŠ—ȱ ‘’œȱŽŠ–ȱŠȱ‘Žȱ ǰȱŠœȱ˜ȱ ǰȱ’—ȱ Ž›–œȱ˜ȱ ŠŒ‘’—ȱ ‘Šȱ‹’••œȱŠ›Žȱ ˜’—ȱ‘›˜ž‘ȱ‘ŽȱœŠŽȱ•Ž’œ•ŠȬ ž›Žȱ‘Šȱ–’‘ȱ’–™ŠŒȱžœȱŠ—ȱ ‘Žȱ‹Š—”’—ȱ’—žœ›¢ȱ’—ȱŽ—Ž›Š•ǯ ȱ ȃ ŽȱŠ•œ˜ȱ™Š›’Œ’™ŠŽȱ’—ȱ ȱ ›Ž’˜—Š•ȱ–ŽŽ’—œǰȱŠ—ȱ ŽȂŸŽȱ œŠ›ŽȱœŽ—’—ȱ™Ž˜™•Žȱ˜ȱ‘Žȱ ȱ ——žŠ•ȱ Šœ‘’—˜—ȱ ›’™ǯȱ ‘ŽȱĚ¢Ȭ’—ȱ’œȱŠȱŸŽ›¢ȱ‘Ž•™ž•ȱŽžȬ ŒŠ’˜—Š•ȱŽ¡™Ž›’Ž—ŒŽǯȱ Žȱ‘ŠŸŽȱŠȱ ›ŽŠȱ›Ž•Š’˜—œ‘’™ȱ ’‘ȱ‘Žȱ ǯ ȱ ȃ ‘Ž›ŽȂœȱŠȱ™•ŠŒŽȱ˜›ȱ‹Š—”œȱ ˜ȱŠ••ȱœ’£ŽœǰȱŠ—ȱ˜ž›ȱ‹Š—”ȱ’œȱ’—ȱ ŠŸ˜›ȱ˜ȱ•’‹Ž›Š•’£’—ȱ‘Žȱ›ŽžȬ •Š’˜—ȱ˜ȱœ–Š••Ž›ȱŒ˜––ž—’¢ȱ ‹Š—”œǯȱ ȱ˜—•¢ȱ–Š”ŽœȱœŽ—œŽȱ‘Šȱ ‘Ž¢ȱœ‘˜ž•ȱ—˜ȱ‹Žȱ›Žž•ŠŽȱ ‘Žȱ Š¢ȱ ˜›Š—ȱ ‘ŠœŽȱ’œǯȱ ȱ ȃ Žȱ‘ŽŠ›ȱŠȱ•˜ȱŠ‹˜žȱ‘˜–Ž˜ —ȱ ‹Š—”œȱŸŽ›œžœȱ˜žȬ˜Ȭ˜ —ȱ‹Š—”œǰȱŠ—ȱ œ˜–Žȱ ’••ȱŒ•Š’–ȱ‘Šȱ ˜›Š—ȱ’œȱ—˜ȱ Šȱ•˜ŒŠ•ȱ‹Š—”ǯȱ ‘’•Žȱ’Ȃœȱ›žŽȱ‘Šȱ Žȱ ˜—Ȃȱ‘ŠŸŽȱŠȱœŠŽȱŒ‘Š›Ž›ǰȱŠ—ȱ˜ž›ȱ ‘ŽŠšžŠ›Ž›œȱŠ›Žȱ—˜ȱ‘Ž›Žǰȱ ŽȱŠ›Žȱ ŸŽ›¢ǰȱŸŽ›¢ȱ•˜ŒŠ•ǯ ȱ ȃ ŽȱŠ›Žȱ —’Š—ŠȬ‹ŠœŽǯȱ Žȱ‘ŠŸŽȱ ŘǰŞŖŖȱŽ–™•˜¢ŽŽœȱ‘›˜ž‘˜žȱ‘ŽȱœŠŽǯȱ Žȱ™Š¢ȱ —’Š—ŠȱŠ¡Žœǰȱ˜ž›ȱŽ–™•˜¢ŽŽœȱ Ÿ˜•ž—ŽŽ›ȱ’—ȱ˜ž›ȱŒ˜––ž—’¢ǰȱŠ—ȱ ŽȱŒ˜—›’‹žŽȱŠ—ȱ ˜›”ȱ˜ȱ–Š”Žȱ˜ž›ȱ Œ˜––ž—’¢ȱŠȱ‹ŽĴŽ›ȱ™•ŠŒŽȱ˜ȱ•’ŸŽǯ ȱ ȃ ˜›ȱŽ¡Š–™•Žȱ Žȱ Ž›ŽȱŠ‹•Žȱ˜ȱ’ŸŽȱ ‘Š•ȱŠȱ–’••’˜—ȱ˜••Š›œȱ˜ȱ‘Žȱ —’Žȱ Š¢ȱ˜ȱ Ž—›Š•ȱ —’Š—Šǯȱ ȱ ˜ž•ȱ ‹Žȱ‘Š›ȱ˜ȱŽȱŠ••ȱ‘Žȱ˜‘Ž›ȱ‹Š—”œȱ’—ȱ —’Š—Šȱ˜ȱŒ˜˜›’—ŠŽȱ˜ȱ’ŸŽȱ‘Š•ȱŠȱ –’••’˜—ȱ˜••Š›œǰȱ‹žȱ ŽȱŒ˜ž•ȱ˜ȱ’ǰȱ ‹ŽŒŠžœŽȱ˜ȱ˜ž›ȱœ’£Žǯ ȱ ȃ ȂŸŽȱŠ• Š¢œȱ‹ŽŽ—ȱŠȱ™›˜™˜—Ž—ȱ ‘Šȱ‘Ž›ŽȂœȱŠȱ™•ŠŒŽȱ˜›ȱ‘Žȱ ˜›Ȭ Š—ȱ ‘ŠœŽœȱ˜›ȱ‘Žȱ Ž••œȱ Š›˜œǰȱŠ—ȱ ‘Ž›ŽȂœȱŒŽ›Š’—•¢ȱŠȱ™•ŠŒŽȱ˜›ȱœ–Š••ȱ Œ˜––ž—’¢ȱ‹Š—”œǯȄ Last year, the late Amos Brown, noted radio host and community activist, described you as a ‘longtime community servant/leader.’ How can bankers build and maintain positive community relations? ȱ ȃ ȂŸŽȱŠ• Š¢œȱœŠ’ȱ‘Šȱ’Ȃœȱ‘Žȱ ›Žœ™˜—œ’‹’•’¢ȱ˜ȱ‘Žȱ‹Š—”’—ȱŒ˜–Ȭ –ž—’¢ȱ˜ȱŒ˜–™ŽŽȱŠ›Žœœ’ŸŽ•¢ȱ›˜–ȱ —’—Žȱ˜ȱ꟎ǰȱ‘Ž—ȱŠȱśȱ˜ȂŒ•˜Œ”ǰȱŒ‘ŽŒ”ȱ ¢˜ž›ȱž—œȱŠȱ‘Žȱ˜˜›ǰȱŠ—ȱ ŽȱŠ••ȱ Œ˜–Žȱ˜Ž‘Ž›ȱ˜›ȱ‘Žȱ‹ŽĴŽ›–Ž—ȱ˜ȱ ‘ŽȱŒ˜––ž—’¢ǯȱ ’œ˜›’ŒŠ••¢ȱ ŽȂŸŽȱ ‹ŽŽ—ȱŠ‹•Žȱ˜ȱ˜ȱ‘Šȱ‘Ž›Žǰ Š—ȱ‘Šȱ’œȱŠȱ ›Š›Žȱ‘’—ǯ ȱ ȃ ȱ‘ŠŸŽȱŠȱ•˜ȱ˜ȱ›Žœ™ŽŒȱ˜›ȱ–¢ȱ Ž••˜ ȱ‹Š—”ȱŽ¡ŽŒž’ŸŽœǰȱ•’”Žȱ ˜——’Žȱ ˜—ȱ žŠ›ȱ˜ȱ ȱ Š—”ǯȱ Žȱœ’ȱ˜—ȱ œ˜–Žȱ‹˜Š›œȱ˜Ž‘Ž›ǰȱŠ—ȱœ‘ŽȂœȱŠȱ ŸŽ›¢ȱŠŒ’ŸŽȱ™Š›’Œ’™Š—ȱ’—ȱ‘’œȱŒ˜–Ȭ –ž—’¢ǯȱ ‘Ž›Žȱ ‘ŠœŽȱ‘Šœȱ˜ž›ȱ™’••Š›œǰȱ ‘Žȱ™›˜–’—Ž—ȱ™’••Š›ȱ˜ȱ ȱ’œȱŽŠ›•¢ȱ Œ‘’•‘˜˜ȱŽŸŽ•˜™–Ž—ǰȱŠ—ȱ‘Ž¢ȱ˜ȱ ’ȱŸŽ›¢ȱ Ž••ǯȄ Your wife runs an event planning company and also is active in the community. How do you coordinate your busy schedules? ȱ ȃ Žȱ›ŽŒŽ—•¢ȱŒŽ•Ž‹›ŠŽȱ˜ž›ȱśř›ȱ Ž’—ȱŠ——’ŸŽ›œŠ›¢ǰȱŠ—ȱ Žȱ‹˜‘ȱ ‘ŠŸŽȱ‹žœ¢ȱœŒ‘Žž•Žœǯȱ Žȱꗍȱ‘Šȱ Žȱ ‘ŠŸŽȱ˜ȱ™•Š—ȱ˜žǯȱ Žȱ‘ŠŸŽȱŠȱ™•ŠŒŽȱ’—ȱ Š™•Žœǰȱ •˜›’Šǰȱ‘Šȱ ŽȱŽ—“˜¢ȱ˜’—ȱ ˜ǰȱœ˜ȱ ŽȂ••ȱ•˜˜”ȱŠȱ˜ž›ȱŸŠ›’˜žœȱ‹˜Š›ȱ –ŽŽ’—œȱŠ—ȱ˜‘Ž›ȱŒ˜––’–Ž—œǰȱ Š—ȱ ŽȂ••ȱœŠ¢ǰȱȁ ”Š¢ǰȱ ŽȂ›Žȱ˜’—ȱ˜ȱ Š™•Žœȱ›˜–ȱ ž—Š¢ȱ˜ȱ ž—Š¢ǰȂȱŠ—ȱ ‹•˜Œ”ȱ˜žȱ‘Žȱ’–Žǯȱ Žȱ™›ŽĴ¢ȱ–žŒ‘ȱ ”—˜ ȱ ‘Šȱ ŽȂ›Žȱ˜’—ȱ˜›ȱ‘Žȱ›Žœȱ˜ȱ ‘Žȱ¢ŽŠ›ǰȱŠ—ȱ’—˜ȱ—Ž¡ȱ¢ŽŠ›ǯ ȱ ȃ ŽȱŽ—“˜¢ȱŸ’œ’’—ȱ˜ž›ȱŒ‘’•›Ž—ǰȱ ‘˜ȱ•’ŸŽȱ’—ȱ Ž ȱ ˜›”ȱŠ—ȱ ‘’ŒŠ˜ǰȱ Š—ȱ Žȱ˜ȱ˜ȱŠȱ•˜ȱ˜ȱ˜˜‹Š••ȱŠ–ŽœȱŠȱ ˜›Žȱ Š–Žǯȱ ž›ȱ ˜ȱ‹˜¢œȱ›ŠžŠȬ Žȱ›˜–ȱ ˜›Žȱ Š–ŽȱŠ—ȱ˜ž›ȱŠž‘Ȭ Ž›ȱ›˜–ȱ ȱ Š›¢Ȃœȱ˜ȱ ˜›Žȱ Š–Žǰȱ Š—ȱ˜ž›ȱ˜ȱ˜ž›ȱŽ’‘ȱ›Š—Œ‘’•›Ž—ȱ ‘ŠŸŽȱ›ŠžŠŽȱ˜›ȱŠ›ŽȱŒž››Ž—•¢ȱ œž¢’—ȱŠȱ ˜›Žȱ Š–Žǯȱ ¢ȱ‹›˜‘Ž›ȱ Š•œ˜ȱ Ž—ȱ‘Ž›Žǰȱœ˜ȱ˜’—ȱ˜ȱ ˜›Žȱ Š–Žȱ˜˜‹Š••ȱ’œȱŠȱ˜˜ȱŽ¡ŒžœŽȱ˜ȱ Š‘Ž›ȱŠœȱŠȱŠ–’•¢ǯȄ What do you most enjoy about your career as a banker? ȱ ȃ Ž˜™•Žȱȭȱ‘ŽȱŠœœ˜Œ’ŠŽœǰȱ‘ŽȱŒ•’Ž—œǰȱ Œ˜––ž—’¢ȱ ˜›”ǯȱ ȱŽ—“˜¢ȱ ˜›”’—ȱ ’‘ȱ™Ž˜™•ŽǯȄȱ Al and Maribeth Smith recently celebrated 53 years of marriage.

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12 HќќѠіђџȱ юћјђџ ђѝѡђњяђџȱ2016 HOOSIER BANKER HERITAGE: 1990-1999 ‘Žȱꗊ•ȱŽŒŠŽȱ˜ȱ‘Žȱ•Šœȱ–’••Ž—Ȭ —’ž–ȱ‘Šȱ’œȱ˜ —ȱŒŠŒ‘™‘›ŠœŽDZȱ ȃ Ȃœȱ‘ŽȱȂşŖœǯȄȱ œȱŠȱŠŽ Š¢ȱ˜ȱ‘ŽȱžȬ ž›Žǰȱ‘ŽȱŗşşŖœȱ›Ž™›ŽœŽ—ŽȱŠȱŒ˜–™žȬ Ž›ȬŠŽȱœ ŽŽȱœ™˜ǰȱ ’‘ȱŽŒ‘—˜•˜’ŒŠ•ȱ ŠŸŠ—ŒŽ–Ž—œȱœ™ž››’—ȱ™›˜žŒ’Ÿ’¢ǰȱ Ž–™•˜¢–Ž—ȱŠ—ȱŽ—Ž›Š•ȱ Ž••‹Ž’—ǯ ȱ ‘ŽȱŽŒŠŽȱœŠ ȱ‘Žȱ ǯ ǯȱŽŒ˜—˜–¢ȱ ›˜ ȱœŽŠ’•¢ȱ‹Ž ŽŽ—ȱŗşşŘȱŠ—ȱŗşşşǰȱ ’‘ȱŠ—ȱŠŸŽ›ŠŽȱ˜ȱŗǯŝȱ–’••’˜—ȱ—Ž ȱ “˜‹œȱŠŽȱ˜ȱ‘Žȱ ˜›”˜›ŒŽȱŽŠŒ‘ȱ ¢ŽŠ›ǯȱ ¢ȱ‘ŽȱŽ—ȱ˜ȱ‘ŽȱŽŒŠŽǰȱž—Ž–Ȭ ™•˜¢–Ž—ȱ‘Šȱ›˜™™Žȱ˜ȱŚȱ™Ž›ŒŽ—ȱ ȭȱŽœœŽ—’Š••¢ȱ›Ž™›ŽœŽ—’—ȱž••ȱŽ–Ȭ ™•˜¢–Ž—ȱȮȱ ‘’•Žȱ‘ŽȱŽŽ›Š•ȱ‹žŽȱ Ž¡™Ž›’Ž—ŒŽȱŠȱœž›™•žœǯȱ ‘Ž›ȱŽŒ˜Ȭ —˜–’Œȱ‹›’‘ȱœ™˜œȱ Ž›Žȱ‘Žȱ‹˜˜–’—ȱ œ˜Œ”ȱ–Š›”Žǰȱ ‘’Œ‘ȱœžœŠ’—Žȱ‘Žȱ •˜—Žœȱ‹ž••ȱ–Š›”Žȱ’—ȱ‘’œ˜›¢Dzȱ‘Žȱ 1916 - 2016 YEARS Ž—ȱ˜ȱ‘ŽȱœŠŸ’—œȱŠ—ȱ•˜Š—ȱŒ›’œ’œDzȱ Š—ȱ›ŽŒ˜›ȱ™›˜ęœȱ˜›ȱ‹Š—”œǯ ȱ •˜‹Š••¢ȱ‘Žȱ ˜›•ȱ ’—ŽœœŽȱ‘Žȱ Ž—ȱ˜ȱ‘Žȱ ˜•ȱ Š›ǰȱ‘Žȱ’œ–Š—•’—ȱ ˜ȱŠ™Š›‘Ž’ȱŠ—ȱŠȱ›Ž•Š’ŸŽ•¢ȱšž’Œ”ȱ ›Žœ˜•ž’˜—ȱ˜ȱ‘Žȱ ž•ȱ Š›ǯȱ ‘Ž›Žȱ Šœȱ ’œŒ˜›ǰȱ‘˜ ŽŸŽ›ǰȱŠœȱœŽŽ—ȱ‘›˜ž‘ȱ Ž‘—’ŒȱŒ•ŽŠ—œ’—œȱ’—ȱ ž˜œ•ŠŸ’ŠȱŠ—ȱ Ž—˜Œ’Žȱ’—ȱ Š—Šǯȱ ’‘’—ȱ‘Žȱ —’Žȱ ŠŽœǰȱŠ—ȱž—Ž›Œž››Ž—ȱ˜ȱ ˜ŸŽ›—–Ž—Š•ȱ’œ›žœȱŽ¡™•˜Žȱ’—˜ȱ Ž››˜›’œ–ȱ’—ȱ ”•Š‘˜–Šȱ ’¢ȱ˜—ȱ ™›’•ȱ ŗşǰȱŗşşśǯ ȱ ˜›ȱ‘Žȱ‹Š—”’—ȱŒ˜––ž—’¢ǰȱ •Ž’œ•Š’ŸŽȱ‹Ž—Œ‘–Š›”œȱ’—Œ•žŽȱ‘Žȱ ȱ –™›˜ŸŽ–Ž—ȱ Œǰȱ‘Žȱ ›ž‘ȱ’—ȱ ŠŸ’—œȱ ŒȱŠ—ǰȱ’—ȱŗşşŚǰȱ‘Žȱ ’Ž•ŽȬ ŽŠ•ȱ —Ž›œŠŽȱ Š—”’—ȱŠ—ȱ ›Š—Œ‘Ȭ ’—ȱ ĜŒ’Ž—Œ¢ȱ Œǰȱ ‘’Œ‘ȱœŽȱ‘ŽȱœŠŽȱ ˜›ȱ‹Š—”ȱŒ˜—œ˜•’Š’˜—œǯȱ —˜‘Ž›ȱ”Ž¢ȱ ‹Š—”’—ȱ‹’••ȱŒŠ–Žȱ’—ȱŗşşşȱ ’‘ȱ‘Žȱ ›Š––Ȭ ŽŠŒ‘Ȭ •’•Ž¢ȱ Œǯȱ Šœœ’—ȱ ’‘ȱ˜ŸŽ› ‘Ž•–’—ȱ‹’™Š›’œŠ—ȱœž™Ȭ ™˜›ǰȱ ȱœ’—Š•ŽȱŒ˜—ꍮ—ŒŽȱ’—ȱ‘Žȱ ꗊ—Œ’Š•ȱœŽ›Ÿ’ŒŽœȱ’—žœ›¢ȱ‹¢ȱ›Ž–˜ŸȬ ’—ȱ•˜—œŠ—’—ȱ‹Š››’Ž›œȱ‹Ž ŽŽ—ȱ ’—ŸŽœ–Ž—ȱ‹Š—”œȱŠ—ȱŒ˜––Ž›Œ’Š•ȱ ‹Š—”œǰȱ’—ȱŠ’’˜—ȱ˜ȱ™›˜Ÿ’’—ȱ˜›ȱ ꗊ—Œ’Š•ȱ™›’ŸŠŒ¢ȱœŠŽžŠ›œǯȱ ȱ —ȱ‘Žȱ ˜˜œ’Ž›ȱœŠŽǰȱ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ȱŽ¡™Ž›’Ž—ŒŽȱ ’œȱ˜ —ȱȂşŖœȱ–’•Žœ˜—Žœǯȱ —ȱŗşşŘȱ‘Žȱ ȱ•Šž—Œ‘Žȱ’œȱꛜȱ ŽŠȱ ˜—Ž›Ȭ Ž—ŒŽǯȱ ˜Š¢ǰȱŘśȱ¢ŽŠ›œȱ•ŠŽ›ǰȱ ŽŠȱœ’••ȱ œŠ—œȱŠœȱ‘Žȱ•Š›Žœȱœ’—•ŽȱŒ˜—ŸŽ—’—ȱ ŽŸŽ—ȱ‘˜œŽȱ‹¢ȱŠȱœŠŽȱ‹Š—”ȱ›ŠŽȱ Šœœ˜Œ’Š’˜—ǯ ȱ —ȱŗşşŝȱ‘Žȱ ȱ’—Šžž›ŠŽȱ’œȱ Ž‹œ’Žȱž—Ž›ȱ‘Žȱ ȱ˜ȱ ǯ ’—‹Š—”Ž›œǯ˜›ǰȱ ‘’Œ‘ȱ ˜ž•ȱ•ŠŽ›ȱ‹Žȱ ž™ŠŽȱ˜ȱ ǯ’—’Š—Š‹Š—”Ž›œǯ ˜›ǯȱ •œ˜ȱ’—ȱŗşşŝǰȱ‘Žȱ ȱ–Š›”Žȱ’œȱ ŗŖŖ‘ȱŠ——’ŸŽ›œŠ›¢ǰȱ’œœž’—ȱŠȱœ™ŽŒ’Š•ȱ Œ˜––Ž–˜›Š’ŸŽȱŽ’’˜—ȱ˜ȱHoosier Bankerȱ–ŠŠ£’—Žǯ ȱ œȱ‘ŽȱŽŒŠŽȱ˜ȱ‘ŽȱŗşşŖœȱŒ•˜œŽȱ ˜žǰȱ˜—Žȱ–Š“˜›ȱ ˜››¢ȱ•˜˜–ŽDZȱ Ř ǯȱ ˜–™žŽ›ȬŽ™Ž—Ž—ȱ’—žœ›’Žœȱ œŒ›Š–‹•Žȱ˜ȱę¡ȱ‘Ž’›ȱœ¢œŽ–œȂȱ  ˜Ȭ’’ȱŒ˜’—ȱ˜ȱ¢ŽŠ›œǰȱ ‘’Œ‘ȱ˜›ȱ Ž¡Š–™•ŽȱŒ˜ž•ȱ—˜ȱ’œ’—ž’œ‘ȱ‹ŽȬ  ŽŽ—ȱȃŗşŖŖȄȱŠ—ȱȃŘŖŖŖǯȄȱ —ȱ‘ŽȱŽ—ǰȱ ‘˜ ŽŸŽ›ǰȱŒ•˜Œ”œȱŠ›˜ž—ȱ‘Žȱ•˜‹Žȱ ’Œ”Žȱ’œŠœŽ›Ȭ›ŽŽȱ˜ȱ Š—ǯȱŗǰȱŘŖŖŖǰȱ Š—ȱ‘Žȱ ˜›•ȱ›ŽŽŽȱŠȱœ‘’—¢ȱ—Ž ȱ –’••Ž——’ž–ǯ 1990 Marjorie and Sherman Anderson, Linton, spread good cheer at the chairman’s banquet. 1992 Shown in front of the former IBA logo are (left to right): Jim Strietelmeier,Anderson; Dave Geis, Seymour; and Annual Convention presenter Kent Stickler. 1991 *UHHQÀHOG %DQNLQJ &RPSDQ\ 3UHVLGHQW Robert H. Strickland presents a 25-year anniversary watch to Sandy Shull of the installment loan department.

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