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1. Financial Stress Makes You Less Productive – 5 Steps To Strengthen Your Finances
   Workers are so stressed about their finances that it’s costing companies seven hours each week  in lost productivity.
2. Can I receive my mortgage statement electronically rather than by mail?

   Yes. You can enroll in electronic statements for your Old National mortgage loan within Mortgage Manager. Just follow these steps:

   1. Log into Mortgage Manager
   2. Select Account Management
   3. Click on Document Center
   4. Under Mortgage eStatements select Paperless Statements
   5. Open and review eStatement Delivery Terms and Conditions
   6. Select I agree to the terms and conditions
   7. Click Let's do this!

   Use our guide How to Sign Up for Mortgage eStatements for step-by-step instructions as well.

   You will receive an email notification letting you know when your statement will be ready for viewing. If you change your mind and would like to resume receiving paper statements in the mail, you can de-activate this service in Mortgage Manager at any time.

3. What changes can I expect inside the banking center?

   Our banking centers are open. Appointments are accepted and encouraged.

   • Masks: Consistent with CDC guidance, we ask those not fully vaccinated to please wear a facemask while in the banking center. Please note that we may ask for additional verification due to mask wearing.
   • Shields and dividers: You also may notice Plexiglass shields and dividers at teller windows and other areas where you may interact with our team members.

   Please visit our locator for the status and hours of a specific location.

4. 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.

5. 3 Ways Your Credit Card Protects You From Identity Theft
   Did you know that your credit card can help keep your identity from being stolen? Read on to find out how
6. Generative AI Is Democratizing Fraud. What Can Companies And Their Consumers Do To Prevent Being Scammed?
   Online Fraud oz - stock.adobe.com The fraud landscape is evolving dramatically and rapidly thanks to new tactics, new scale, and new technology ––
7. Online Banking and Bill Payment Agreement
   This agreement governs the use of Old National Online™ Banking via electronic banking.
8. Do you offer referral bonuses?

   Yes, through our ReferLive program, clients can earn up to $500 per calendar year when they refer friends and family for a new eligible Old National checking account. Visit the ReferLive registration page to enroll and begin making referrals.

   Requirements
   Both the referrer and the new account holder receive a $50 Visa^® Reward Card once the person referred completes the following requirements within 75 days of account opening:

   • Completes ten (10) debit card transactions (ATM withdrawals excluded) AND
   • Has one (1) or more direct deposits totaling at least $500

   Note that this offer is not available to any friend or family member who already has an Old National checking account, or is a joint owner for an existing checking account.

   Receiving your Reward Card
   Your Reward Card will be mailed to you. Please allow 4-6 weeks for delivery after all offer requirements are completed.

   Other ways to register
   In addition to using the online registration form, you can also enroll to begin making referrals in the following ways:

   • Mobile App: Download the ReferLive app from the App Store or Google Play.
   • Phone: Call 1-844-213-3046.
   • Visit a banking center: Pick up a ReferLive brochure. Scan and email the completed brochure to registrations@referlive.com.
9. Would You Pack Your Lunch for $1.2 Million?
   It's easy to eat lunch out. It's convenient. It's a nice break from work, and, boy, is it delicious. And how much does it cost? Not much at all.  "Just a few dollars." Well, that's what marketers want you to think.
10. Student loan help emerges as top benefit option
    Student loan programs are the No. 1 new benefit that companies are planning to start providing to their employees during their open enrollment period this year, according to Employee Benefit Adviser's Open Enrollment Readiness Benchmark. The benchmark, now a quarterly feature, surveys employers on critical elements of