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1. Small Business And The Circular Economy: SMBs Are Key To a Sustainable Future
   This article will help small business owners understand why sustainability matters, what you can do about it, and how it can help your business grow.
2. Tariffs and Trade Shifts: How Supply Chain Management Helps Companies Stay Ahead
   With tariffs threatening to impact international trade, more companies are considering how to mitigate their exposure to risk. This article looks at options to help overcome the tariff challenges
3. How do I set up and use Card Controls in the Mobile App?

   Card Controls enable you to monitor debit card activity, receive alerts for certain types of transactions and turn your card off/on in the event that it is lost or stolen.

   After logging in to the Mobile App, go to More on the lower right of the Accounts screen. On the Account Services screen, select Card Controls.

   You will then see a list of your debit cards. Active debit cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

   Setting Card Controls to "ON" or "OFF" 

   • Next to Card Status, use the ON/OFF toggle to set the debit card status as being active or suspended.
   • Setting the card status to “OFF” suspends all activity on the debit card. The status must be set to “ON” to use the card.
   • A debit card must be in “Active” status to add Declines and Alerts.

   Setting debit card Alerts & Controls

   • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
   • The Set Declines and Alerts screen will open with three options:
     • Send Alerts for all transactions, next to a toggle bar
     • Transaction Type
     • Spend Limits
   • Next to Send Alerts for all transactions, you can set the toggle to ON to receive Alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
   • To set up an Alert for a specific Transaction Type only, choose Transaction Type for a list of options. Tap the option(s) for which you want to receive an Alert. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
   • When a transaction is set to ON, EVERY transaction of that type on the debit card will trigger an Alert.

   Declining debit card transactions

   • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
   • To decline a specific Transaction Type, tap Transaction Type for a list of options. Tap each option you want to block and next to Decline Transaction set the toggle to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
   • When a transaction is set to BLOCK, EVERY transaction of that type on the debit card will be declined/blocked.

   Setting Spend Limits

   • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits option.
   • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
   • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
   • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

   A note about Email vs. Text Alerts
   Card Controls Alerts are emailed to the email address you have listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by logging in to Online Banking from a browser and removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

4. How can I cancel my electronic mortgage statement and receive a paper one by mail?

   You have two options for cancelling electronic mortgage statements.

   First, you can de-activate electronic mortgage statements within Mortgage Manager. Just follow these steps:

   1. Log into Old National Online Banking with your usual User ID and Password
   2. From the summary of accounts, select your Mortgage Loan
   3. This will take you to your Old National Mortgage Loan detail page
   4. Hover over Statements and Documents and select Electronic Mortgage Statements
   5. Select Change Delivery Preferences
   6. Then select Paper Mortgage Statements
   7. Finally, select Save

   Your other option is to call or e-mail Mortgage Servicing at 1-812-468-1800 or mortops@oldnational.com to request the change.

   If you change your mind at any time and would like to resume receiving electronic statements, you can re-activate this service in Mortgage Manager or call us.

5. 10 Easy Ways To Shake Up—And Grow—Your Small Business
   By Rieva Lesonsky Has your business become … well … boring? I think most entrepreneurs share my passion for “shaking things up.” But if you need some prodding, here are 10 simple ways to make changes to your life and business that will grow your company, too. 1. Update the technology you use in your business Did you kn
6. 3 Pros and Cons of Buying a Home in an HOA
   In your search for a home to buy, you may come across three letters that give you pause -- "HOA," short for "homeowners association."
7. 3 ways banks, fintechs and FIs can harness AI for success
   How will advanced AI-powered financial services enhance the customer experience? According to a report published by consulting group Opimas, the financial services sector was projected to have spent US$1.5 billion on artificial intelligence (AI) in 2018, rising to US$2.8 billion by 2021. Much has been made of the expec
8. 3 Ways Leaders Can Reduce Burnout and Improve Retention for Their Hybrid Workers
   According to a recent workplace survey, 80 percent of 25- to 34-year-olds said that friendships with co-workers are the most important thing to them
9. 3 Ways Small Businesses Can Recruit And Retain Top Talent From Local Universities
   For small and mid-sized companies, talent acquisition and retention are perennial challenges.
10. The Impact Of AI On Company Culture And How To Prepare Now
    AI will be incorporated into every business. A high level of refinement means AI can enhance the performance of individuals and teams, streamline