Focus 2012

Page 1


3$*( $ )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

7DNLQJ D SOHDVDQW GULYH DORQJ WKH QHZ 8 6 2QH RI WKH PDUYHORXV EHQHILWV RI OLYLQJ LQ UXUDO QRUWKZHVW 2KLR LV LWV SLFWXUHVTXH ODQGVFDSH RI ULYHUV FRUQILHOGV JLDQW RDNV DQG ULFK YDULHW\ RI QDWLYH VKUXEV DQG ZLOGIORZHUV 7KDW ZDV SDU WLFXODUO\ HYLGHQW GXULQJ WKH VFHQLF GULYH HDVW RQ ZLQGLQJ WZR ODQH 8 6 DORQJ WKH 0DXPHH 5LYHU WR 7ROHGR JACK 7KH GULYH HVSH PALMER FLDOO\ RQ D UDGLDQW VXQQ\ GD\ ZDV DEVROXWHO\ EHDXWLIXO $QG WUDJLFDOO\ TXLWH OHWKDO 0RVW HYHU\RQH ZKR KDV OLYHG LQ WKLV DUHD IRU DQ\ OHQJWK RI WLPH NQHZ VRPHRQH ZKR GLHG RQ WKDW URDG +DYLQJ OLYHG KHUH DOO P\ OLIH , ZDV IULHQGV ZLWK VHYHUDO RI WKRVH SHRSOH GDWLQJ EDFN WR WKH ODWH V , FDQ VWLOO VHH WKHLU VPLOLQJ IDFHV

6R LW ZDV ³ LQ WKHLU KRQRU DQG PHPRU\ ³ WKDW , WRRN P\ ILUVW GULYH ODVW ZHHN RQ WKH IRXU ODQH KLJKZD\ IURP 'HILDQFH WR MXVW HDVW RI :DWHUYLOOH 7KH YHU\ ILUVW ODQGPDUN WKDW FDXJKW P\ DWWHQWLRQ ZDV D VLJQ FRPLQJ RXW RI 'HILDQFH ZKLFK VDLG ´%XLOW IRU 6DIHW\ 3ULPHG IRU *URZWK µ 6KRUWO\ WKHUHDIWHU , FRPSOHWHG P\ ILUVW SDVV RQ WKH ULJKW DIWHU HQFRXQWHULQJ DQ REOLYLRXV GULYHU LQ WKH OHIW ODQH WUDYHOLQJ OHVV WKDQ PSK , VORZHG GRZQ XSRQ DUULYLQJ DW VRPH RUDQJH EDUUHOV RQH RI WKH IRXU FHUWDLQ WKLQJV LQ OLIH DORQJ ZLWK GHDWK WD[HV DQG O\LQJ SROL WLFLDQV $V , PRWRUHG SDVW WKH QHZ 2KLR LQWHUFKDQJH /LEHUW\ &HQWHU 0DOLQWD DW PLOHPDNHU , ORRNHG GRZQ DW WKH FORFN :RZ , WKRXJKW LW KDG RQO\ EHHQ PLQXWHV VLQFH , KDG EDFNHG RXW RI P\ GULYHZD\ ´7KLV LV UHDOO\ D SUHWW\ FRXQWU\ VLGH µ REVHUYHG P\ ZLIH ´$QG

WKH URDG LV QRW DV VWUDLJKW DV , WKRXJKW LW ZRXOG EH µ $ VKRUW GLVWDQFH ODWHU , QRWLFHG WKH MRXUQH\·V ILUVW SROLWLFDO VLJQ 5H HOHFW 5LFK 0\HUV IRU +HQU\ &RXQW\ FRPPLVVLRQHU 7KHUH ZHUH WZR DFWXDOO\ RQ ERWK VLGHV RI WKH IRXU ODQHV :H FURVVHG WKH /XFDV &RXQW\ OLQH DW PLQXWH 1H[W DW PLOHPDUNHU FDPH WKH 2KLR LQWHUFKDQJH DIWHU WKDW DW PLOHPDUNHU WKH 2KLR LQWHUFKDQJH ´7KLV LV VXUUHDO µ P\ ZLIH VWDWHG ´,V WKDW WKH QRUWK VLGH RI :DWHUYLOOH DOUHDG\"µ ,QGHHG LW ZDV $ QHZ .URJHU VWRUH LV DOUHDG\ RSHQ MXVW RII WKH H[LW 7KH H[LW IRU WKH )DOOHQ 7LPEHUV VKRSV FDPH TXLFNO\ DW PLOHPDN HU , JODQFHG DW WKH WLPH DJDLQ 7KLUW\ VHYHQ PLQXWHV IURP WKH GULYHZD\ :KLOH WKH URDG VSRUWHG PRUH FXUYHV WKDQ DQWLFLSDWHG WKH QHZ UHDOLJQPHQW ODFNHG WKH GDQJHU

Ohio Gov. Ted Strickland spoke to a crowd of residents and state officials from Ohio and Indiana during a ribbon-cutting ceremony on Oct. 29, 2009, marking the completion of the segment of the new U.S. 24 from Defiance to the Indiana State line.

RXV FXUYHV DQG DFFHVV SRLQWV RI WKH ROG ULYHU URDG JUHDWO\ LPSURYLQJ VDIHW\ DQG WUDIILF IORZ +LJKZD\ SODQQLQJ LV D WULFN\ EXVLQHVV EHFDXVH QR PDWWHU ZKDW FKRLFHV DUH PDGH VRPH SHRSOH DUH XQKDSS\ %XW , ILUPO\ EHOLHYH WKH QHZ 8 6 ZLOO JR GRZQ LQ KLVWRU\ DV D JRGVHQG IRU VR PDQ\ UHDVRQV ³ LPSURYHG VDIHW\ RSHQLQJ XS HFRQRPLF JURZWK DQG EROVWHULQJ ORJLVWLFDO VXSSRUW IRU H[LVWLQJ EXVLQHVVHV $V HFRQRPLF FRQGLWLRQV LPSURYH LW FRXOG EHFRPH WKH URDG WR QHZ MREV :RXOGQ·W LW EH JUHDW WR VHH D &UDFNHU %DUUHO DW WKH /LEHUW\ &HQWHU H[LW DQ $UE\·V DW WKH 3DXOGLQJ H[LW D 3DQHUD %UHDG DW WKH $QWZHUS H[LW" 2U EHWWHU \HW VRPH ZHOO PDQDJHG ORFDOO\ RZQHG VWRUHV DQG HDWHULHV" .XGRV IRU WKH URDG·V FRPSOH WLRQ JR RXW WR PDQ\ SHRSOH VRPH RI ZKRP DUH QR ORQJHU ZLWK XV /RXLVH 0LOOHU 9HUD 0LOHV 0LNH 6FKXOW] 7KH WKUHH DPLJRV ZKR VWRRG

ILUP DPLGVW \HDUV RI FULWLFLVP DQG GRXEW ³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

C-N File Photos

Former Fort-to-Port co-chairmen Sue ting ceremony for the eastern end of the new Westendorf, Jim Hoops (center) and Jamie U.S. 24 near Waterville. Black participated in the Aug. 29 ribbon cut-

0LGZHVW &RPPXQLW\ )HGHUDO &UHGLW 8QLRQ EHOLHYHV LQ ILQDQFLDO HGXFDWLRQ 0LGZHVW &RPPXQLW\ )HGHUDO &UHGLW 8QLRQ NQRZV WKH LPSRUWDQFH RI ILQDQFLDO HGXFDWLRQ WR KHOS LQGLYLGX DOV UHDFK WKHLU JRDOV DQG GUHDPV 7KH QRW IRU SURILW PHP EHU RZQHG FUHGLW XQLRQ SURYLGHV SHUVRQDOL]HG ILQDQFLDO VHUYLFHV DV ZHOO DV SURJUDPV DLPHG DW GHYHO RSLQJ ILQDQFLDO VNLOOV ´:H·OO HGXFDWH DQ\RQH ZH FDQ 7KDW·V ZKDW ZH·UH DERXW µ VDLG 6RQMD 'HODQH\ FKLHI H[HFXWLYH RIILFHU DQG SUHVLGHQW RI 0LGZHVW &RPPXQLW\ 7KH IXOO VHUYLFH ILQDQFLDO LQVWLWXWLRQ RIIHUV D YDULHW\ RI VHUYLFHV WR KHOS HGXFDWH LWV PHPEHUV DQG WKH FRP PXQLW\ DERXW VPDUW PRQH\ PDQDJHPHQW 2QH RI WKH ZD\V WKH\ KHOS LV ZLWK WKHLU &UHGLW (GXFDWLRQ 3URJUDP ´)LQDQFLDO FRXQVHOLQJ RU &UHGLW (GXFDWLRQ GRHVQ·W KDYH WR EH ZKHQ \RX·UH LQ WURXEOH µ 'HODQH\ VDLG ´,W FDQ EH IRU D \RXQJ SHUVRQ MXVW VWDUWLQJ RXW DQG ZDQW LQJ WR PDNH D EXGJHW ,W·V WR KHOS SHRSOH OHDUQ KRZ WR PDQDJH WKHLU PRQH\ EXGJHW DQG VDYH WR UHDFK WKHLU JRDOV 7KH SURJUDP LV GHVLJQHG WR KHOS SHRSOH JDLQ EHWWHU FRQWURO RYHU WKHLU SHUVRQDO ILQDQFHV µ 0LGZHVW &RPPXQLW\ KDV WKUHH IXOO\ FHUWLILHG FUHGLW FRXQVHORUV RQ KDQG WR KHOS ,QGLYLGXDOV FDQ DOVR ILQG KHOS RQOLQH ´2XU ZHEVLWH KDV D WRQ RI IUHH ILQDQFLDO LQIRUPD WLRQ XQGHU WKH (GXFDWLRQ 5HVRXUFHV WDE µ VDLG 'HODQH\ 7KH ZHEVLWH ZZZ PLGZHVWFRPPX QLW\ RUJ KDV LQIRUPDWLRQ WKDW FDQ EH XVHG E\ DQ\ RQH ³ QRW MXVW 0LGZHVW &RPPXQLW\ PHPEHUV 2QOLQH SURJUDPV IRFXV RQ EDVLF PRQH\ PDQDJHPHQW FRQFHSWV IRU \RXQJ NLGV PRQH\ PDQDJHPHQW HGXFD WLRQ DQG WRROV IRU \RXQJ DGXOWV DQG UHWLUHPHQW SODQ QLQJ WRROV IRU WKRVH RYHU WKH DJH RI

:25.,1* 72*(7+(5 FRQVXPHUV UHDOL]LQJ ÀQDQFLDO GUHDPV

:K\ VKRXOG \RX EHFRPH D PHPEHU" Midwest Community Federal Credit Union’s friendly and knowledgeable customer service representatives can find solutions for individual customers and small businesses. Midwest Community also has three fully certified credit counselors to assist customers, they are Lynn Moore (left), Kathy Reynolds (center) and Heidi Castillo.

,Q DGGLWLRQ WR WKH ZHEVLWH 0LGZHVW &RPPXQLW\ DOVR KDV D )DFHERRN SDJH ZLWK GDLO\ SRVWV RI PRQH\ PDQ DJHPHQW DGYLFH DQG WLSV ´:H SRVW GDLO\ DUWLFOHV GHDOLQJ ZLWK HYHU\GD\ ILQDQFLDO WRSLFV DQG WLSV RQ KRZ WR OLYH IUXJDOO\ µ 'HODQH\ VDLG ´,W·V D JUHDW UHVRXUFH IRU SHRSOH QDYL JDWLQJ DOO WKH ILQDQFLDO FKDO OHQJHV LQ WKHLU GDLO\ OLYHV µ 7KH FUHGLW XQLRQ FDQ KHOS SHRSOH UHDFK WKHLU JRDOV DV ZHOO ZLWK RWKHU VHUYLFHV 0LGZHVW &RPPXQLW\ RIIHUV DXWR ORDQV VDYLQJV PRUW JDJHV 9,6$V &KULVWPDV DQG YDFDWLRQ FOXEV DQG PRUH )RU VPDOO EXVLQHVVHV WKHUH DUH D YDULHW\ RI GHSRV LW FKHFNLQJ DQG ORDQ SURG XFWV DV ZHOO DV SURFHVVLQJ VHUYLFHV 0LGZHVW &RPPXQLW\ )HGHUDO &UHGLW 8QLRQ KDV WKUHH ORFDWLRQV DQG FRQ YHQLHQW KRXUV WR VHUYH LWV PHPEHUV 7KH PDLQ RIILFH LV DW 6WDWH 5RXWH

'HILDQFH /REE\ KRXUV DUH 0RQGD\ :HGQHVGD\ IURP D P S P 7KXUVGD\ )ULGD\ IURP D P S P DQG 6DWXUGD\ IURP D P S P 'ULYH XS KRXUV DUH 0RQGD\ :HGQHVGD\ IURP D P S P 7KXUVGD\ )ULGD\ IURP DP S P 6DWXUGD\ IURP D P S P DQG 6XQGD\ D P S P

-RLQLQJ D PHPEHU RZQHG ÀQDQFLDO FRRSHUDWLYH RIIHUV PDQ\ DWWUDFWLYH DGYDQWDJHV 0LGZHVW &RPPXQLW\·V VDYLQJV DQG ORDQ UDWHV DUH RXWVWDQGLQJ :H RIIHU DWWUDFWLYH ÁH[LEOH SODQV IRU DOO \RXU ÀQDQFLDO QHHGV IURP VDYLQJV WR ORDQV FHUWLÀFDWHV ,5$V DQG HYHQ D SDUW WLPH ,QYHVWPHQW 5HSUHVHQWDWLYH WR DVVLVW \RX LQ UHWLUHPHQW SODQQLQJ :H DOVR RIIHU WLFNHW VDOHV WR ORFDO DPXVHPHQW SDUNV DQG DWWUDFWLRQV DQG RIWHQ WLPHV WR VSHFLDO HYHQWV DV ZHOO 2XU JRDO LV \RXU ÀQDQFLDO VXFFHVV DQG LW VKRZV LQ HYHU\WKLQJ ZH GR $OO RI WKH VHUYLFHV \RX ZRXOG H[SHFW DW D EDQN DUH DYDLODEOH DW \RXU &UHGLW 8QLRQ &RPH MRLQ XV WRGD\ DQG OHW XV KHOS SODQ \RXU ÀQDQFLDO IXWXUH

%HQHÀWV LQFOXGH ([FHVV 6KDUH ,QVXUDQFH RI &RPSHWLWLYH 'HSRVLW 5DWHV &RPSHWLWLYH /RDQ 5DWHV 1R IHH &KHFNLQJ $FFRXQWV )5(( 2QOLQH %DQNLQJ )5(( %LOO 3D\ )5(( &RLQ 0DFKLQH 6HUYLFHV )5(( $70 $FFHVV DW &UHGLW 8QLRQ $70 0DFKLQHV

7KH 'HHUZRRG 'ULYH EUDQFK ORFDWHG DW 'HHUZRRG 'U 'HILDQFH KDV GULYH XS KRXUV RI 0RQGD\ :HGQHVGD\ IURP D P S P DQG 7KXUVGD\ )ULGD\ IURP D P S P 7KH 1DSROHRQ EUDQFK RI 0LGZHVW &RPPXQLW\ LV ORFDWHG DW 1 6FRWW 6W /REE\ KRXUV DUH 0RQGD\ :HGQHVGD\ D P S P 7KXUVGD\ IURP D P S P )ULGD\ IURP D P S P DQG 6DWXUGD\ IURP D P S P 'ULYH XS KRXUV DUH 0RQGD\ )ULGD\ IURP D P S P DQG 6DWXUGD\ IURP D P S P

“Proudly serving community members in Defiance, Henry, Paulding, Fulton, Williams and the northern part of Putnam counties.”

Lisa Schafer Real Estate Financial Service Representative

419-783-6558 www.midwestcommunity.org Main Branch 08770 State Route 66 Defiance, OH 43512 Phone: (419) 783-6500 Fax: (419) 783-6550 1&8$

Deerwood Drive-Up Branch 1481 Deerwood Drive Defiance, OH 43512 Phone: (419) 782-9856 Fax: (419) 784-3561 &RVBM 0QQPSUVOJUZ /(1'(5

Napoleon Branch 1429 N. Scott St. Napoleon, OH 43545 Phone: (419) 599-5522 Fax: (419) 599-5537


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( $

0DQ\ IDFWRUV ERRVW PDQXIDFWXULQJ LQ 0DQXIDFWXULQJ KDV EHHQ D PDMRU SDUW RI EXVLQHVV LQ QRUWKZHVW 2KLR IRU JHQHUD WLRQV +RZHYHU ZKHQ SLQSRLQW LQJ WKH ELJJHVW JDLQ LQ PDQ XIDFWXULQJ LQ WKH UHJLRQ LQ HFRQRPLF GHYHORS PHQW GLUHFWRUV KDYH GLIIHU HQW WKRXJKWV ´, EHOLHYH WKH UHELUWK RI PDQXIDFWXULQJ DIWHU D UHFHVVLRQ KDV EHHQ WKH ELJ JHVW WKLQJ µ VDLG 0DUWLQ .XKOPDQ GLUHFWRU RI WKH 3XWQDP &RXQW\ (FRQRPLF 'HYHORSPHQW 2IILFH ´1RUWKZHVW 2KLR LV D JUHDW SODFH WKDW KDV LQIUDVWUXFWXUH ³ QRW RQO\ KLJKZD\V EXW UDLO ³ DOUHDG\ LQVWDOOHG DQG ZDWHU DQG VHZHU DOUHDG\ LQ SODFH :H KDYH DQ DEXQ GDQFH RI MRE UHDG\ VLWHV HYHQ LI WKH\ DUHQ·W FHUWLILHG E\ WKH VWDWH DV VKRYHO UHDG\ , WKLQN LQ WKH QH[W WZR WKUHH ILYH \HDUV ZH KDYH D EULJKW IXWXUH IRU DGGLWLRQDO

PDQXIDFWXULQJ µ 6HYHUDO HFRQRPLF GHYHO RSPHQW RIILFLDOV SRLQWHG WR VSHFLILF SURMHFW RU VLWHV DV SURYLGLQJ WKH ELJJHVW JDLQ ´7KH *HQ HQJLQH SUR JUDP LV SUREDEO\ RQH RI WKH PRVW VLJQLILFDQW WKLQJV DV ZHOO DV WKH VXFFHVV LQ WKH &KHY\ &UX]H ZKLFK PHDQV YROXPH LQFUHDV HV LQ WKH *0 'HILDQFH SODQW µ VDLG -HUU\ +D\HV H[HFXWLYH GLUHFWRU RI WKH 'HILDQFH &RXQW\ (FRQRPLF 'HYHORSPHQW 2IILFH ´7KHUH DUH WKUHH GLIIHUHQW YHUVLRQV RI WKH *HQ HQJLQH WKDW ZLOO VKLS WKLV \HDU 7KDW DFWLY LW\ DW 'HILDQFH LV SUREDEO\ RQH RI WKH PRVW VLJQLILFDQW WKLQJV WKDW KDYH KDSSHQHG /RRNLQJ EDFN WR ZKHQ *0 GHFODUHG EDQNUXSWF\ ZH GLGQ·W NQRZ WKH\ ZRXOG NHHS D FDVWLQJ SURJUDP LQ 2KLR :H DUH KDSS\ WR KDYH *HQHUDO 0RWRUV DQG WKDW WKH\ DUH ODXQFKLQJ D

QHZ JHQHUDWLRQ RI HQJLQH EORFNV µ *OHQ 0LOOHU LQWHULP GLUHF WRU RI WKH +HQU\ &RXQW\ &RPPXQLW\ ,PSURYHPHQW &RUS &,& VDLG WKDW ORRN LQJ DW QRUWKZHVW 2KLR WKH 0HQDUGV· H[SDQVLRQ LQ :LOOLDPV &RXQW\ ZLOO KDYH D ELJ LPSDFW 7KH 0HQDUGV· ZDUHKRXVH LQ +ROLGD\ &LW\ ZLOO DGG MREV DV SDUW RI WKDW SURMHFW ´7KDW ZLOO EHFRPH D PDMRU HPSOR\HU LQ WKH UHJLRQ µ KH VDLG ´7KH\ DUH DOPRVW GRXEOLQJ WKH IDFLOLW\ 7KDW LV KXJH 7KH\ HPSOR\HG D ORW RI SHRSOH DQ\KRZ , EHOLHYH 0HQDUGV ZRXOG EH WKH PRVW VLJQLILFDQW $ YHU\ FORVH VHF RQG LQ WKH UHJLRQ ZRXOG EH ,VRIRWRQ µ ,VRIRWRQ ZLOO EH RSHQLQJ D IDFWRU\ LQ 1DSROHRQ VRPH WLPH LQ 1RYHPEHU ,W ZLOO PDNH VRODU FHOOV DQG SDQHOV ´,I VRPHRQH ZDQWV WR GR D

VRODU LQVWDOODWLRQ WKHUH LV DQ DOO 2KLR VROXWLRQ µ KH VDLG DGGLQJ WKH FRXQW\ ZRXOG OLNH WR KDYH DOO FRPSRQHQWV IRU D VRODU SURMHFW ORFDWHG LQ WKH FRXQW\ :LWK $OH[ 3URGXFWV PDNLQJ WKH EUDFN HWV IRU VRODU SURMHFWV DOO WKDW LV QHHGHG DUH FRPSDQLHV ORFDOO\ WR SURGXFH LQYHUW HUV WKDW FRQYHUW IURP '& WR $& DQG D FRPSDQ\ WR ZULWH FRQWURO VRIWZDUH ´6KRUW RI WKDW ZH KDYH D SUHWW\ VROLG VROXWLRQ IRU D ODUJH SRUWLRQ RI D VRODU SURM HFW µ 0LOOHU VDLG ,Q 3DXOGLQJ &RXQW\ HFR QRPLF GHYHORSPHQW GLUHF WRU 7RQ\ /DQJKDP VDLG H[SDQVLRQV KDYH EHHQ WKH ELJJHVW JDLQ LQ PDQXIDFWXU LQJ WKHUH DQG LQ WKH UHJLRQ /DQJKDP VDLG WKDW ZKLOH WKH ZLQG IDUPV KDYH EHHQ D ERRQ IRU WKH FRXQW\ DQG ODQGRZQHUV H[SDQVLRQ SURMHFWV SRLQW WR D EULJKW

IXWXUH ([SDQVLRQ SURMHFWV DUH JRLQJ RQ DW WKH $QLPDO &OLQLF RI 3DXOGLQJ &RRSHU )DUPV LQ 2DNZRRG ZKLFK LV SODQQLQJ D WUXFN ZDVKLQJ IDFLOLW\ $QWZHUS ([FKDQJH %DQN ZLWK D QHZ IDFLOLW\ LQ 3D\QH QHZ 6W\NHPDLQ FDU GHDOHUVKLS LQ 3DXOGLQJ DQG PRUH /DWW\ *UDLQ KDV DOUHDG\ EXLOW D QHZ IHUWLO L]HU IDFLOLW\ LQ WKH FRXQW\ DV ZHOO ,Q )XOWRQ &RXQW\ WKH &,& KDV EHHQ ZRUNLQJ RQ D GLUHFWRU\ WR FRQQHFW PDQ XIDFWXUHUV ZLWK D EX\HU VXSSOLHU ´FRQQHFWRU\µ IRU D FRXQW\ UHJLRQ ZKLFK ZLOO EH D ELJ JDLQ ´,I ZH FDQ EX\ KHUH ORFDO DQG VHOO KHUH ORFDO DV ZHOO DV RWKHU SODFHV ZH FDQ KHOS WKLV UHJLRQ EHFRPH VXVWDLQ DEOH µ VDLG /LVD $UHQG GLUHF WRU RI WKH )XOWRQ &RXQW\ (FRQRPLF 'HYHORSPHQW 2IILFH ´7KH )XOWRQ &RXQW\

/,6$ $5(1' FRPPLVVLRQHUV KDYH EDFNHG WKLV FRQQHFWRU\ DQG LW FRY HUV D FRXQW\ UHJLRQ )RU D FRXQW\ RXU VL]H WR GR LW IRU WKDW UHJLRQ DQG WR KDYH WKH FRPPLVVLRQHUV EDFNLQJ ZLOO KRSHIXOO\ KHOS RXU FRPSD QLHV EH PRUH VXVWDLQDEOH DQG ZRUN WRJHWKHU µ

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³ SHUKDSV DV KLJK DV RQH LQ ILYH ³ LQ ' H I L D Q F H DQG WKH VXUURXQG LQJ UXUDO FRXQWLHV RI Q R U W K Z H V W 2KLR ´:H DUH VR 1RUPDQ WLHG WR RXU ODQG DQG LW LV YHU\ LPSRU WDQW WR KDYH WKHVH MREV ORFDO O\ EHFDXVH WKHVH DUH MREV WKDW DUH XQOLNHO\ WR EH VKLSSHG RYHUVHDV µ &OHYHQJHU VDLG ´7KRVH GROODUV WKDW DUH JHQ HUDWHG E\ WKH VDOH RI RXU FRPPRGLWLHV DUH JRLQJ WR EH XWLOL]HG ULJKW ZLWKLQ RXU FRPPXQLW\ ´,QYHVWLQJ LQWR DJULFXO

Consolidated Grain and Barge Co. (CGB), a Louisiana-based large facility just west of Defiance along Krouse road. The grain hangrain handling and shipping company is currently constructing a dling facility is scheduled to be finished by June of 2013.

WXUH DQG HQVXULQJ WKDW RXU JUDLQ DQG OLYHVWRFN SURGXF HUV KDYH D SODFH DQG WKH PHDQV WR EH LQ EXVLQHVV LV YHU\ LPSRUWDQW EHFDXVH WKHVH DUH MREV WKDW DUH KHUH WR VWD\ µ KH DGGHG 7KH QHWZRUN RI MREV DQG EXVLQHVVHV WLHG WR DJULFXO

WXUH LV YDVW DQG LQFOXGHV QRW RQO\ FURS DQG OLYHVWRFN SUR GXFHUV EXW DOVR HTXLSPHQW GHDOHUV IXHO GLVWULEXWRUV LQVXUHUV DQG YHWHULQDULDQV VDLG 5R\ 1RUPDQ 2KLR )DUP %XUHDX RUJDQL]DWLRQ GLUHFWRU IRU )XOWRQ +HQU\ 'HILDQFH DQG :LOOLDPV

)LQDQFLDO OHDGHUV VD\ VWURQJHU HFRQRPLF IDFWRUV KHOS UHJLRQ 7KLV \HDU KDV EHHQ RQH RI UHFRYHU\ 7KH UHFRYHU\ WKRXJK KDSSHQLQJ VORZO\ IURP WKH *UHDW 5HFHVVLRQ ZDV RQH RI WKH EHVW WKLQJV WR KDS SHQ LQ LQ WKH EDQNLQJ ILQDQFLDO VHFWRU DFFRUGLQJ WR ORFDO RIILFLDOV ´:H DUH VHHLQJ VWURQJHU EDODQFH VKHHWV DQG VWURQJHU FDVK IORZ IRU PDQ\ EXVL QHVVHV µ VDLG :LOOLDP 6PDOO FKDLUPDQ DQG FKLHI H[HFX WLYH RIILFHU RI )LUVW )HGHUDO %DQN RI WKH 0LGZHVW ´7KDW SRLQWV WR VWDELOL]DWLRQ ,W LV QRW D IXOO UHFRYHU\ :H ZLOO KDYH WR VHH LI ZH FRQWLQXH WR VHH PDUNHG LPSURYHPHQW ,·P HQFRXUDJHG WR VHH QHZ EXVLQHVV LQ WKH FRXQW\ OLNH ):7 LQ +LFNVYLOOH DQG VRPH MRE JURZWK LQ WKH UHJLRQ µ ):7 ZKLFK PDQXIDF WXUHV FXVWRP VWHHO VXSSRUW SURGXFWV IRU WHOHFRPPXQL FDWLRQV DQG XWLOLW\ LQGXV WULHV RSHQHG LWV +LFNVYLOOH IDFLOLW\ RQ 6HSW ,W SODQV WR KDYH DW OHDVW HPSOR\ HHV E\ WKH HQG RI WKH \HDU 3DXO 6LHEHQPRUJHQ SUHVLGHQW DQG FKLHI H[HFX WLYH RIILFHU RI )DUPHUV

0HUFKDQWV 6WDWH %DQN VDLG WKHUH FHUWDLQO\ LV PRUH HFR QRPLF VWDELOLW\ LQ WKH UHJLRQ DQG QDWLRQ WKDQ WKHUH KDV EHHQ LQ WKH SDVW IHZ \HDUV ´7KH HFRQRP\ KDV JRW WHQ EHWWHU µ KH VDLG ´3HRSOH DUH ZRUNLQJ DQG KDYH VRPH FRPIRUW OHYHO LQ WKHLU MREV ,W JLYHV PRUH HFRQRPLF VWD ELOLW\ µ 6LHEHQPRUJDQ VWUHVVHG WKDW ZKLOH IDUPHUV KDYH KDG D KDUG WLPH WKLV \HDU ZLWK WKH GURXJKW DQG VHYHUH ZHDWKHU WKH PDMRULW\ RI WKHP KDG FURS LQVXUDQFH ZKLFK ZLOO EH EHQHILFLDO $QRWKHU KLJKOLJKW LQ WKH ILQDQFLDO LQGXVWU\ LV WKH UHSD\PHQW RI 7URXEOHG $VVHW 5HOHDVH 3URJUDP 7$53 IXQGV WR WKH IHG HUDO JRYHUQPHQW 7$53 EHJDQ LQ DV D ZD\ IRU WKH IHGHUDO JRYHUQPHQW WR SXUFKDVH DVVHWV DV ZHOO DV HTXLW\ IURP ILQDQFLDO LQVWL WXWLRQV WR KHOS VWUHQJWKHQ WKDW VHFWRU ´&OHDUO\ , WKLQN WKH ILQDO L]DWLRQ RI WKH 7$53 UHSD\ PHQW IRU PDMRULW\ DOO WKH 8 6 EDQNV KDV EHHQ WKH EHVW WKLQJ WR KDSSHQ LQ WKH

ILQDQFLDO ZRUOG LQ µ VDLG 0DUN .OHLQ SUHVLGHQW DQG FKLHI H[HFXWLYH RIILFHU RI WKH 6WDWH %DQN 7UXVW &R .OHLQ SRLQWHG RXW WKHUH DUH VWLOO DURXQG VPDOO LQVWLWXWLRQV WKDW RZH 7$53 IXQGV EXW WKH JRYHUQPHQW KDV VDLG WKDW ´WKURXJK HDUQ LQJV ZDUUDQWV DQG DSSUH FLDWLRQµ LW LV JHQHUDOO\ RXW RI 7$53 ´&OHDUO\ EULQJLQJ WKDW WR D KHDG DQG WKH JRYHUQPHQW JHWWLQJ RXW RI SULYDWH HQWHU SULVH LV WKH EHVW IRU EDQNV LQGLYLGXDOV DQG SULYDWH HQWHUSULVHV µ .OHLQ VDLG ´:H DUH SURXG ZH QHYHU WRRN 7$53 :H GLGQ·W QHHG LW :H KDG WKH DVVHW TXDOLW\ DQG GLG QRW DFFHSW JRYHUQ PHQW IXQGV :H DUH SURXG RI WKDW µ .OHLQ VDLG WKDW WKH PRUH WKH JRYHUQPHQW LV UHSD\HG 7$53 IXQGV WKH EHWWHU IRU WKH SXEOLF ´7KDW LV D JRRG WKLQJ IRU WD[SD\HUV µ KH VDLG ´,I WKH\ WKH JRYHUQPHQW FDQ JHW RXW RI WKH UHVW RI LW WD[SD\ HUV ZLOO LPSURYH WKHLU SRVL WLRQ µ

FRXQWLHV ´:KHQ DJULFXOWXUH GRHV ZHOO LW NHHSV WKH HFRQRP\ JRLQJ DQG DJULFXOWXUH LQ RXU DUHD LV KHDGHG LQ WKH ULJKW GLUHFWLRQ µ 1RUPDQ VDLG $ VLJQ RI WKLV IRUZDUG PRPHQWXP LQ WKH DJULFXO

WXUDO FRPPXQLW\ 'HILDQFH LV JHDULQJ XS WR ZHOFRPH WKH &RQVROLGDWHG *UDLQ DQG %DUJH &R &*% D /RXLVLDQD EDVHG JUDLQ KDQ GOLQJ DQG VKLSSLQJ FRPSD Q\ WR WKH DUHD QH[W \HDU ´'HYHORSPHQW OLNH WKLV SURMHFW LV D VLJQDO WKDW

'HILDQFH LV D JUHDW SODFH WR RSHQ DQG RSHUDWH D VXFFHVV IXO EXVLQHVV µ VDLG 'HILDQFH 0D\RU %RE $UPVWURQJ ´,W LVQ·W MXVW DERXW DJULFXO WXUH HLWKHU LW·V DERXW KDYLQJ DFFHVV WR WKH UDLOURDG DQG DERXW IXWXUH JURZWK µ

Page preparation

Greg Gobrogge and Linda Ricker News. The newspaper is celebrating determine the number of pages and its 125th year of serving Defiance and where the advertising will appear in northwest Ohio. each day’s edition of The Crescent-


3$*( $ )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

1XUVLQJ +RPHV 2IWHQ $UHQ¶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

FRPIRUWDEOH ± FHUWDLQO\ QRW LQVWLWXWLRQDO +RVSLWDOLW\ LV D NH\ LQJUHGLHQW LQ RXU GDLO\ LQWHUDFWLRQV ZLWK UHVLGHQWV :H GHILQH LW VLPSO\ DV RXU FRPPLWPHQW WR EH FRXUWHRXV WLPHO\ VXSSRUWLYH KHOSIXO DQG HIIHFWLYH DW DOO WLPHV $QG RQH ELJ FRPSRQHQW RI WKHVH YLUWXHV DUH RXU UHVLGHQWV ZKR DUH JHQHUDOO\ RXWJRLQJ DQG IULHQGO\ 7KHUH¶V D ORW RI VKDULQJ DQG IHOORZVKLSSLQJ KHUH :H ILQG PHDO WLPH WR EH DQ RSSRUWXQLW\ IRU UHVLGHQWV WR VRFLDOL]H DV ZHOO DV HDW 7KH PHDOV DUH UHVWDXUDQW TXDOLW\

&RPH VHH IRU \RXU VHOI -RLQ XV IRU %UXQFK 6XQGD\V IURP WR +RSH WR VHH \RX WKHUH

:H DUH GLIIHUHQW EHFDXVH ZH VWDII RQ VLWH QXUVHV KRXUV D GD\ GD\V D ZHHN VR ZKHQ D UHVLGHQW¶V QHHGV LQFUHDVH ZH FDQ DOORZ IRU DJLQJ LQ SODFH :KDW NLQGV RI WKLQJV PDNH D FRPPXQLW\ OLNH RXUV VXFK DQ DWWUDFWLYH DOWHUQDWLYH WR QXUVLQJ KRPHV" :HOO ILUVW RI DOO ZH¶UH KRPH OLNH DQG

'RQ¶W VHWWOH IRU OHVV ZKHQ ZH FDQ SURYLGH VR PXFK PRUH

&DOO 0\UD WR VFKHGXOH D IUHH OXQFK DW :LOOLDP $ 'LHKO &W ‡ 'HILDQFH 2+ ‡ /RFDWHG RII RI 5W MXVW VRXWK RI &DUWHU 5RDG


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( $


3$*( $ )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

)DUPHUV 0HUFKDQWV 6WDWH %DQN XQGHUVWDQGV LWV FXVWRPHUV QHHGV :KLOH WKHUH DUH PDQ\ RSWLRQV ZKHQ VHOHFWLQJ D EDQN RQO\ )DUPHUV 0HUFKDQWV 6WDWH %DQN JLYHV LQGLYLGXDOV WKH SRZHU WR FKRRVH VHUYLFHV WKDW ILW WKHP SHUIHFWO\ )URP .DVDVD DFFRXQWV VPDOO EXVL QHVV ORDQV DQG DJ OHQGLQJ )DUPHUV 0HUFKDQWV XQGHUVWDQGV ZKDW LQGLYLGXDOV DUH JRLQJ WKURXJK DQG ZKDW WKH\ QHHG WR KHOS WKHP 2QH VXFK LWHP LV .DVDVD ´.DVDVD FKHFNLQJ HDUQV DQ LQFUHDVHG UDWH RI LQWHUHVW ZLWKRXW D ORW RI FULWH ULD µ VDLG &KHUL 6FKXHWWH DVVLVWDQW YLFH SUHVLGHQW RIILFH PDQDJHU RI 'HILDQFH·V )DUPHUV 0HUFKDQWV 6WDWH %DQN ´,W FDQ DOVR EH FRQQHFWHG WR D .DVDVD VDYHU ZKLFK DOVR KDV DQ LQFUHDVHG LQWHUHVW UDWH IURP UHJXODU VDYLQJV µ 6FKXHWWH VDLG WKHUH LV D .DVDVD DFFRXQW WR ILW DQ\RQH LQFOXGLQJ .DVVDD WXQHV WKDW DOORZV LQGLYLGXDOV WR HDUQ PRQH\ IRU L7XQHV GRZQORDGV .DVDVD JLYHU DOORZV DQ LQGLYLGXDO WR GRQDWH WKH LQWHUHVW WR D FKDULW\ 6FKXHWWH DGGHG WKDW ULJKW QRZ )DUPHUV 0HUFKDQWV LV KHOSLQJ PDQ\ SHRSOH ZLWK WKHLU PRUWJDJH QHHGV DV UDWHV DUH DW D KLV WRULF ORZ ´:H DUH OHQGLQJ µ VKH VDLG ´7KDW LV VRPHWKLQJ ZH DV D EDQN KDYH QHYHU VWRSSHG µ )DUPHUV 0HUFKDQWV DOVR RIIHUV D YDUL HW\ RI SURGXFWV DQG VHUYLFHV WR KHOS VPDOO DQG PHGLXP VL]HG EXVLQHVVHV EH VXFFHVV IXO ´2XU LQWHQW LV WR GHYHORS D WRWDO UHOD WLRQVKLS ZLWK RXU FXVWRPHUV µ VDLG *DU\

%RVWHOPDQ YLFH SUHVLGHQW FRPPHUFLDO ORDQ RIILFHU ´:H SURYLGH IRU DOO RI WKHLU ILQDQFLDO VHUYLFH QHHGV :H ZRUN ZLWK VPDOO DQG PHGLXP VL]HG EXVLQHVVHV µ %RVWHOPDQ VDLG WKDW LQ ZKHQ WKH HFRQRP\ EHFDPH URFN\ WKH EDQN ZHO FRPHG D ORW RI QHZ FXVWRPHUV ´7KH ELJJHU EDQNV EDONHG RQ WKHP µ KH VDLG DGGLQJ WKDW )DUPHUV 0HUFKDQWV ZRQ·W GR WKDW ´:H GRQ·W ORRN DW MXVW WKH QXPEHUV :H ORRN DW WKH KLVWRU\ RI WKH EXVLQHVV DQG LQWHJULW\ RI WKH EXVLQHVV RZQHUV µ 0LNH 6FKQLWNH\ YLFH SUHVLGHQW DJ EDQN HU VDLG WKDW KDYLQJ D ERDUG RI GLUHFWRUV PDGH XS RI ORFDO SHRSOH DQG IDUPHUV ZKR XQGHUVWDQG ZKDW WKH FRPPXQLW\ DQG ORFDO EXVLQHVVHV DUH JRLQJ WKURXJK UHDOO\ KHOSV )DUPHUV 0HUFKDQWV· FXVWRPHUV 7KH EDQN·V ORQJ KLVWRU\ UHIOHFWV WKDW EHOLHI )DUPHUV 0HUFKDQWV KDV EHHQ LQ EXVLQHVV IRU \HDUV 1RW RQO\ GRHV LW DLG VPDOO EXVLQHVVHV DQG LQGLYLGXDOV EXW IDUPHUV DUH ZHOO ´:H·YH EHHQ LQYROYHG LQ DJ EDQNLQJ IRU PDQ\ PDQ\ \HDUV :H UHDOL]H WKHUH DUH F\FOHV OLNH DOO EXVLQHVVHV ZH FDQ VHUYH WKHP GXULQJ WKLV SHULRG RI GURXJKW DV ZHOO DV SHULRGV RI UHFRUG KDUYHVWV µ 6FKQLWNH\ VDLG +H DGGHG WKDW WKH\ RIIHU GHSRVLW DFFRXQWV OHQGLQJ IRU DOO OLQHV RI FUHGLW LQFOXGLQJ HTXLSPHQW DQG UHDO HVWDWH 7R OHDUQ PRUH DERXW )DUPHUV 0HUFKDQWV 6WDWH %DQN YLVLW LWV 'HILDQFH ORFDWLRQ DW +RWHO 'ULYH

Farmers & Merchants State Bank offers a wide variety of services to fit the individual needs of each customer. Staff members waiting to offer solutions to your banking concerns are Gary

Bostelman (left), vice president commercial lending officer; Cheri Schuette, assistant vice president/office manager in Defiance and Mike Schnitkey, vice president/ag banker.

Community Health Professionals In-patient Hospice nursing supervisor Ronda Lewis (left) and Angela Bowerman (right), nursing supervisor of Home Health and Hospice, share

a laugh with patient Sylvia Guyton of Paulding at the local In-patient Hospice facility located just north of Defiance on Ohio 66.

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·V VWDII RI KLJKO\ TXDOLILHG UHJLVWHUHG QXUVHV GLHWLFLDQV HGXFDWRUV DQG VRFLDO ZRUNHUV NHHS WKH LQGLYLGXDO LQ PLQG RIIHULQJ D ZLGH UDQJH RI VHUYLFHV WDLORUHG WR HDFK SDWLHQW·V XQLTXH PHGLFDO QHHGV 9LVLWLQJ QXUVHV SURYLGH DWWHQWLYH LQ KRPH FDUH IRU SDWLHQWV GHDOLQJ ZLWK LOO QHVV LQMXU\ RU WKRVH UHFHQWO\ UHOHDVHG IURP WKH KRVSLWDO IROORZLQJ VXUJHU\ 3K\VLFDO RFFXSDWLRQDO DQG VSHHFK WKHUD SLVWV DUH DOVR RQ KDQG WR KHOS SDWLHQWV UHJDLQ RU PDLQWDLQ WKHLU VWUHQJWK PRELO LW\ DQG LQGHSHQGHQFH &+3 +RVSLFH RIIHUV LQ KRPH KRVSLFH FDUH GHVLJQHG WR DOOHYLDWH SDLQ DQG PD[L PL]H TXDOLW\ RI OLIH IRU SDWLHQWV ZKR KDYH EHHQ GLDJQRVHG ZLWK WHUPLQDO LOOQHVV +RVSLFH LV SURYLGHG E\ D VSHFLDOO\ WUDLQHG WHDP WKDW FDUHV IRU WKH ´ZKROH SHUVRQ µ NHHSLQJ WKH SDWLHQW·V SK\VLFDO HPRWLRQDO VRFLDO DQG VSLULWXDO QHHGV ³ DQG WKH

QHHGV RI WKHLU IDPLOLHV ³ LQ PLQG :KHQ DW KRPH FDUH LV QR ORQJHU WKH EHVW RSWLRQ &RPPXQLW\ +HDOWK 3URIHVVLRQDOV· LQSDWLHQW IDFLOLWLHV LQ 'HILDQFH DQG 9DQ :HUW FDQ SURYLGH D FRPIRUWDEOH KRPHOLNH DOWHUQDWLYH 6WDII DW &+3 XQGHUVWDQGV WKDW KRVSLFH LV QRW RQO\ FDUH IRU WKH SDWLHQW EXW DOVR FDUH IRU WKHLU ORYHG RQHV ´:H UHFRJQL]H WKDW LOOQHVV RU WHUPLQDO LOOQHVV LV YHU\ KDUG RQ WKH IDPLOLHV RI RXU SDWLHQWV WRR DQG IDPLO\ LV YHU\ LPSRU WDQW WR XV µ VDLG $QJHOD %RZHUPDQ 51 QXUVLQJ VXSHUYLVRU ´:H DLP WR NHHS WKH SDWLHQW FRPIRUWDEOH DQG RXW RI WKH KRVSL WDO DQG WR PHHW WKH IDPLOLHV· FRSLQJ QHHGV DV ZHOO µ &+3 SULYDWH GXW\ SHUVRQDO FDUH DLGHV SURYLGH QRQ PHGLFDO DVVLVWDQFH ³ LQFOXG LQJ KHOS ZLWK EDWKLQJ ODXQGU\ HUUDQGV PHDOV DQG FRPSDQLRQVKLS ³ WKDW HQDEOHV FOLHQWV WR UHPDLQ LQ WKH FRPIRUW RI WKHLU RZQ KRPHV 3ULYDWH GXW\ VHUYLFHV DOORZ \RX RU \RXU ORYHG RQH WR VWD\ LQ IDPLO LDU VXUURXQGLQJV HQMR\LQJ LQGHSHQGHQFH VXSSOHPHQWHG ZLWK KLJK TXDOLW\ FDUH ZKHQ DQG ZKHUH LW LV QHHGHG 1XUVHV DQG VWDII PHPEHUV DUH DYDLODEOH WR SDWLHQWV KRXUV D GD\ GD\V HDFK ZHHN )RU PRUH LQIRUPDWLRQ FRQWDFW &RPPXQLW\ +HDOWK 3URIHVVLRQDOV RI 'HILDQFH DW RU YLVLW ZZZ FRPKHDOWKSUR RUJ

<RXU +RPHWRZQ

&KRLFH IRU

9LVLWLQJ 1XUVHV +RVSLFH &DUH

Community Health Professionals Community Health Professionals is a nonprofit organization that provides a complete range of services delivered by nurses and staff who are local and available to you 24-hours a day, seven days a week.

Making a Referral to CHP is Easy...Just Call Us! Visiting Nurses/Hospice/Private Duty 6825 State Route 66 N., Defiance

419-782-5411

Inpatient Hospice Center

6817 State Route 66 N., Defiance

419-782-4131

www.ComHealthPro.org


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( $

¶7KH *HRUJH·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·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·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·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´7KH *HRUJHµ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

The George M. Smart Athletic Center is in its first tures an indoor track with a multi-purpose floor full academic and athletic season at Defiance inside to accomodate volleyball and basketball College. The 84,000-square-foot complex fea- courts, batting cages and the Dix Tennis Courts

IHUHQW SURMHFWV LQFOXGLQJ D SUL PDU\ FDUH KHDOWK FOLQLF $ JURXS RI VWXGHQWV DVVHPEOHG D FROODE RUDWLYH ZLWK 0HUF\ +RVSLWDO RI 'HILDQFH WKH 'HILDQFH &OLQLF DQG 3URPHGLFD 'HILDQFH 5HJLRQDO +RVSLWDO WR IRUP WKH 'HILDQFH &DUHV )UHH &OLQLF WKDW RSHQHG LWV GRRUV RQ D PRQWKO\ EDVLV PRUH WKDQ D \HDU DJR 2WKHU 3URMHFW LQLWLDWLYHV LQFOXGH D UHDGLQJ WXWRU LQJ VHUYLFH JUDSKLF GHVLJQ VWXGLR FRPSXWHU UHSDLU EXVLQHVV FDP SXV UHF\FOLQJ LQWHUQDWLRQDO IDLU WUDGH RXWOHW DQG PLFUR OHQGLQJ SURMHFW LQ -DPDLFD

%LJ RSSRUWXQLWLHV

'HILDQFH·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·V RZQ VXFFHVVIXO DOXPQL 7KH 0F0DVWHU 6FKRRO IRU $GYDQFLQJ +XPDQLW\ QRZ LQ LWV

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

7KH 'HILDQFH 5HVXPp

'HILDQFH &ROOHJH SODFHV D KLJK SULRULW\ RQ KHOSLQJ WR SRVLWLRQ VWXGHQWV IRU VXFFHVVIXO FDUHHUV 7KH 3HUVRQDO 6XFFHVV 3ODQ DV ZHOO DV RSSRUWXQLWLHV WR OLQN FODVVURRP NQRZOHGJH WR UHDO ZRUOG H[SHUL HQFH DUH SDUW RI D ODUJHU HIIRUW WR HQDEOH VWXGHQWV WR VWDQG RXW LQ WKH PDUNHWSODFH RU ZKHQ DSSO\LQJ WR JUDGXDWH VFKRROV $QRWKHU FRPSRQHQW LV WKH FROOHJH·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

<RXU WDOHQWV <RXU LQWHUHVWV <RXU GUHDPV <RX DUH GLVWLQFW IURP HYHU\ RWKHU SHUVRQ LQ WKH ZRUOG 1RWKLQJ DERXW \RX LV RUGLQDU\ 6R ZK\ VKRXOG \RXU FROOHJH EH DQ\ GLIIHUHQW" ZZZ GHÀDQFH HGX

<RX GRQ·W KDYH WR JR IDU IURP KRPH IRU D FROOHJH H[SHULHQFH WKDW GHÀHV WKH RUGLQDU\ 'HÀDQFH &ROOHJH RIIHUV RXWVWDQGLQJ DFDGHPLFV DQG PRUH RSSRUWXQLWLHV WKDQ \RX FDQ LPDJLQH <RX·OO KDYH WKH EHVW RI ERWK ZRUOGV ZLWK D VPDOO FDULQJ HQYLURQPHQW DQG DPD]LQJ WUDYHO DQG VHUYLFH H[SHULHQFHV WKDW FRQQHFW WKH FODVVURRP WR WKH UHDO ZRUOG

( * ( / / 2 & 60$//


3$*( $ )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

6FKRROV PDNH JUHDWHU XVH RI WHFKQRORJLFDO DGYDQFHV ,I WKH SDVW GHFDGH KDV WDXJKW XV DQ\WKLQJ LW LV WKDW ZRUNHUV DQG SURIHV VLRQDOV LQ DOO RFFXSDWLRQV FDQ QR ORQJHU VXFFHHG ZLWK UXGLPHQWDU\ OLWHUDF\ RU WKH DFFXPXODWLRQ RI VSHFLDOL]HG IDFWV /LIHORQJ HGXFDWLRQ LV QR ORQJHU D QREOH JRDO EXW D QHFHVVLW\ 7KDW SUHVHQWV PDQ\ FKDO OHQJHV IRU DUHD . VFKRROV DQG KLJKHU HGXFDWLRQ LQVWL WXWLRQV ZKLFK PXVW UHPDLQ SURDFWLYH ZLWK WKH FRQWLQX LQJ LQIXVLRQ RI QHZ WHFKQRO RJLHV LQWR WKHLU LQVWUXFWLRQDO GHOLYHU\ ´7KH LQWURGXFWLRQ RI RXU L3DG SURJUDP IRU DOO VWXGHQWV LQ JUDGHV LQ WKH IDOO RI FUHDWHG D WHFKQRORJ\ ULFK OHDUQLQJ HQYLURQPHQW IRU RXU VWX GHQWV DQG VWDII µ VDLG 0LNH 6WUXEOH VXSHULQWHQGHQW RI 'HILDQFH &LW\ 6FKRROV ´$V ZH PRYH DKHDG LQWR D VHFRQG \HDU WKH OHVVRQV ZH OHDUQHG ZLOO VWUHQJWKHQ WKH DOUHDG\ VXFFHVVIXO SUR JUDP µ 6WUXEOH VDLG VFKRROV PXVW FRUUHODWH WHFKQRORJ\ VWDQ GDUGV ZLWKLQ WKHLU FXUULFX OXP ³ RU EH OHIW EHKLQG LQ WKH GXVW ´7RGD\·V \RXQJ SHRSOH KDYH JURZQ XS LQ D GLJLWDO DJH DQG WKH\ VKRXOG QRW OHDYH WKRVH VNLOOV DW WKH

VFKRROKRXVH GRRU 6FKRROV PXVW EH DEOH WR XWLOL]H WKHVH VNLOOV LQ WKH HGXFDWLRQDO SUR FHVV WR PRWLYDWH DQG HQJDJH DOO OHDUQHUV ,3DGV DUH MXVW RQH RI PDQ\ YHKLFOHV WR DFFRPSOLVK WKLV ´'LIIHUHQWLDWHG DQG LQGL YLGXDOL]HG LQVWUXFWLRQ LV WKH RQO\ ZD\ ZH DUH JRLQJ WR VXUYLYH µ KH DGGHG ´:KHQ LW FRPHV WR WKH GHOLYHU\ RI HGXFDWLRQ LW·V QR ORQJHU RQH VL]H ILWV DOO µ 6WUXEOH SUHGLFWHG WKDW VFKRROV LQ WKH IXWXUH ZLOO IHDWXUH PRUH WHFKQRORJ\ PRUH RQOLQH OHDUQLQJ DQG QHZ LQQRYDWLYH GHOLYHU\ V\VWHPV ´3DSHU DQG WH[WERRNV ZLOO EH REVROHWH 6WXGHQWV ZLOO EH ORVW ZLWKRXW D .LQGOH 6FKRROV ZLOO EHFRPH PRUH RI D KRPH EDVH ZKHUH VWXGHQWV ZLOO SURJUHVV DW WKHLU RZQ UDWH $UHD VFKRRO GLVWULFWV ZLOO EH PHDVXUHG WRPRUURZ IRU RXU YLVLRQ DQG DFWLRQV WRGD\ µ 7RGD\·V YLVLRQ LV DOVR YLWDO LQ KLJKHU HGXFDWLRQ DFFRUG LQJ WR 'U 7KRPDV 6WXFNH\ SUHVLGHQW RI 1RUWKZHVW 6WDWH &RPPXQLW\ &ROOHJH ´:H DUH YHU\ FRQVFLRXV WKDW HGXFDWLRQ QHHGV WR DGGUHVV VXFFHVV ZKLFK ZH YLHZ DV WKH VXFFHVVIXO FRPSOHWLRQ RI WKH VWXGHQW·V LQGLYLGXDO JRDOV µ KH VDLG

´7KDW PD\ EH D ZHHN SURJUDP LQ WUXFN GULYLQJ RU GDWD SURFHVVLQJ D RQH \HDU FHUWLILFDWH LQ SUDFWLFDO QXUVLQJ RU SKOHERWRP\ D WZR \HDU DVVRFLDWH·V GHJUHH LQ PRUH WKDQ SURJUDPV RU WKH ILUVW \HDU RU WZR RI D IRXU \HDU GHJUHH :H ZDQW HYHU\ SHUVRQ·V HGXFDWLRQ WR OHDG WR D VXFFHVVIXO FDUHHU DQG WKH PHDQV WR SURYLGH IRU WKHPVHOYHV DQG WKHLU IDPLOLHV µ 6WXFNH\ VDLG 16&& HPEUDFHV WKRVH JRDOV ZKLOH UHVSRQGLQJ WR FKDQJLQJ WHFKQRORJLHV ´7KHUH ZLOO EH PRUH LQGLYLGXDOL]HG LQVWUXF WLRQ WKURXJK WHFKQRORJ\ 6WXGHQWV QR ORQJHU KDYH WR YLVLW RXU OLEUDU\ WR DFFHVV PDWHULDOV 7KHUH ZLOO EH PRUH RQOLQH FRXUVHV DOWKRXJK RQOLQH FRXUVHV DUHQ·W IRU HYHU\RQH :H DUH UHDG\ WR HPEUDFH WKRVH FKDOOHQJHV DQG ZH ORRN IRU ZDUG WR RXU IXWXUH µ 2QH WKH QHZHVW YLVLRQDU\ HIIRUWV DW 'HILDQFH &ROOHJH LV WKH QHZ ZRUN H[SHUL HQFH SURJUDP ZKLFK LV JHDUHG WRZDUG JLYLQJ VWX GHQWV DQRWKHU ZD\ WR VWDQG RXW LQ WKH MRE PDUNHW 7KH SURJUDP SURYLGHV HYHQ PRUH GHOLEHUDWH RQ FDPSXV HPSOR\PHQW DQG WUDLQLQJ RSSRUWXQLWLHV IRU IUHVKPHQ

The use of iPads at Defiance High rate the technology in the classroom School began with the start of the 2011- during their everyday studies. 12 school year. Here, students incorpo-

DQG VRSKRPRUHV WKDW FDQ WKHQ EH XVHG WR OHYHUDJH RII FDPSXV HPSOR\PHQW H[SHULHQFHV DV MXQLRUV DQG VHQLRUV ,Q DGGLWLRQ WKH FRO OHJH FRQWLQXHV WR FUHDWH UHDO ZRUOG H[SHULHQFHV WKURXJK D YDULHW\ RI LQLWLD WLYHV LQFOXGLQJ 3URMHFW DQ LQFRUSRUDWHG QRQSURILW RUJDQL]DWLRQ JLYLQJ VWX GHQWV RSSRUWXQLWLHV WR FUH DWH GHYHORS PDQDJH DQG UXQ D ZLGH UDQJH RI VHUYLFH SURMHFWV 8QGHU WKH %XVLQHVV $GYDQWDJH 3URJUDP EXVL QHVV PDMRUV UHFHLYH KDQGV RQ H[SHULHQFH LQ FUHDWLQJ

DQG PDQDJLQJ D EXVLQHVV 6HYHUDO SURJUDPV RI VWXG\ KDYH QDWLRQDO DGYLVRU\ ERDUGV EULQJLQJ WRJHWKHU H[SHUWV IURP DFURVV WKH FRXQWU\ WR SURYLGH UHDO WLPH DQG UHDO ZRUOG DGYLFH WR PDNH VXUH WKDW WKH FRO OHJH·V FXUULFXOXP LQFRUSR UDWHV VNLOOV WKH PDUNHWSODFH LV HDJHU WR KLUH 8WLOL]LQJ QHZ WHFKQROR JLHV WKH FROOHJH KDV EHHQ HQKDQFLQJ DQG H[SDQGLQJ FODVVURRP FDSDELOLWLHV WR FRQQHFW VWXGHQWV ZLWK WKH ZRUOG WKURXJK WKH DGGLWLRQ RI YLGHR FRQIHUHQFLQJ FDSD ELOLWLHV LQ QHDUO\ DOO FODVV

URRPV DV ZHOO DV DGGLWLRQDO RQOLQH OHDUQLQJ RSSRUWXQL WLHV '& LV DOVR UHQRZQHG IRU LWV GRPHVWLF DQG LQWHUQD WLRQDO WUDYHO RSSRUWXQLWLHV 'XULQJ WKH ODVW \HDU VWX GHQWV WUDYHOHG WR %HOL]H *KDQD &DPERGLD &RVWD 5LFD &DQDGD $XVWULD *HUPDQ\ %HOJLXP WKH 1HWKHUODQGV WKH &]HFK 5HSXEOLF +XQJDU\ DQG QXPHURXV GRPHVWLF ORFD WLRQV VXFK DV 1HZ <RUN &LW\ :DVKLQJWRQ ' & 3RUWODQG 3LWWVEXUJK 1DVKYLOOH 0HPSKLV DQG 0RQWJRPHU\

$UHD·V HFRQRPLF GHYHORSPHQW YLFWRULHV FHOHEUDWHG :LWK WKH *UHDW 5HFHVVLRQ IDGLQJ LQWR KLVWRU\ WKHUH DUH PDQ\ HFRQRPLF GHYHO RSPHQW YLFWRULHV EHLQJ FHOHEUDWHG LQ DFURVV WKH UHJLRQ 0DQ\ HFRQRPLF GHYHORSPHQW GLUHFWRUV VDLG WKDW WKH QHZ 8 6 SURMHFW LV D JUHDW YLFWRU\ ´, WKLQN LW 8 6 LV WKH ELJJHVW WKLQJ WKDW KDV KDS SHQHG LQ 3DXOGLQJ &RXQW\ DQG QRUWKZHVW 2KLR EHFDXVH RI WKH RSSRUWXQLW\ DQG WKH LQFUHDVHG DWWUDF WLYHQHVV DQG DSSHDO QRZ WKDW ZH KDYH D EHWWHU WUDQV SRUWDWLRQ V\VWHP µ VDLG /DQJKDP 7RQ\ /DQJKDP GLUHFWRU RI 3DXOGLQJ &RXQW\ (FRQRPLF 'HYHORSPHQW ´:H DUH VHHLQJ DQ LQFUHDVHG QXPEHU RI LQTXLULHV IURP RXWVLGH RI 3DXOGLQJ &RXQW\

GXH WR WKH IDFW RI QRZ EHLQJ KHUH µ *OHQ 0LOOHU LQWHULP GLUHFWRU RI WKH +HQU\ &RXQW\ (FRQRPLF 'HYHORSPHQW 2IILFH &RPPXQLW\ ,PSURYHPHQW &RUS DOVR WDON HG DERXW 8 6 ´, WKLQN ZKDW ZLOO FKDQJH WKH IDFH RI WKLV SDUW RI QRUWKZHVW 2KLR LV WKH RSHQLQJ RI WKH QHZ 8 6 µ KH VDLG ´:H·UH VWLOO JHW WLQJ D VXEVWDQWLDO DPRXQW RI LQTXLUHV :LWK WKH FRPSOHWLRQ RI WKH SURMHFW DQ\ FRXQW\ DORQJ WKH 8 6 FRUULGRU ZLOO VHH PRUH LQTXLULHV DQG PRUH RSSRUWXQLWLHV µ 0LOOHU DOVR SRLQWHG RXW VRPH HFRQRPLF GHYHORSPHQW YLFWRULHV IRU +HQU\ &RXQW\ LQFOXGLQJ ,VRIRWRQ RSHQLQJ D QHZ IDFWRU\ VRRQ 5DLOWHFK·V H[SDQVLRQ DQG FRQWLQXLQJ SURMHFW DV ZHOO DV DQ H[SDQVLRQ DW .RHVWHU &RUS ,Q 'HILDQFH &RXQW\ EULQJLQJ &RQVROLGDWHG *UDLQ DQG %DUJH WR WKH DUHD

LV JUHDW QHZV ´&RQVROLGDWHG *UDLQ DQG %DUJH ZDV RXU PRVW VLJ QLILFDQW YLFWRU\ EHFDXVH LW RSHQHG DFFHVV WR LQWHU QDWLRQDO PDUNHWV LQ WKLV UHJLRQ µ VDLG -HUU\ +D\HV H[HFXWLYH GLUHFWRU RI WKH 'HILDQFH &RXQW\ (FRQRPLF +D\HV 'HYHORSPHQW 2IILFH ´7KH\ KDYH D ORW RI ZRUN WR GR RQ WKH WUDFN DOWKRXJK WKH VLORV ORRN OLNH WKH\ DUH GRQH 7KH\ ZLOO EH GRQH LQ ODWH ZLQWHU µ 6HYHUDO PLOOLRQ GROODU SURMHFWV LQ 3XWQDP &RXQW\ KDYH EHHQ D ERRQ WKHUH ´:H·YH KDG D ORW RI WKLQJV KDSSHQ LQ 3XWQDP &RXQW\ µ 0DUWLQ .XKOPDQ GLUHF WRU RI WKH FRXQW\·V HFRQRPLF GHYHORSPHQW RIILFH $PRQJ WKH ODUJH PXOWL PLOOLRQ GRO

ODU SURMHFWV LQ WKH FRXQW\ DUH DQ H[SDQVLRQ DW 3UR 7HFK &RDWLQJ &R LQ /HLSVLF PLOOLRQ DQG D VRRQ WR EH ZLQG IDUP SURM HFW E\ ,EHUGUROD PLOOLRQ 3URGXFWLRQ 3URGXFWV ,QF 0LGZD\ 3URGXFWV *URXS LQ &ROXPEXV *URYH KDV DOVR QHDUO\ GRXEOHG LWV SODQW DV ZHOO .0, LQ .DOLGD DOVR UHFHQWO\ ILQLVKHG LWV H[SDQ VLRQ 5HWHQWLRQ DV ZHOO DV H[SDQVLRQV DUH QHHG HG IRU HFRQRPLF GHYHORSPHQW WR ZRUN VXF FHVVIXOO\ ´, WKLQN WKH ELJJHVW YLFWRU\ WKLV FRXQW\ KDV LV WKH QXPEHU RI UHWHQWLRQ FDOOV ZH DUH JHWWLQJ µ VDLG /LVD $UHQG GLUHFWRU RI )XOWRQ &RXQW\ (FRQRPLF 'HYHORSPHQW ´:H·YH LQFUHDVHG UHWHQWLRQ FDOOV LQ FXUUHQW EXVLQHVVHV WR VHH ZKDW VRUW RI WKLQJV ZH FDQ DVVLVW ZLWK ZKDW NLQG RI WKLQJV ZH FDQ GR WR JHW WKHP WR VWD\ KHUH DQG VXFFHHG µ

)DPLO\ 0HGLFLQH 3UDFWLWLRQHUV 2UWKRSHGLF 6XUJHU\ DW &0+ Rxu erdug0fhuwlilhg ruwkrshglf vxujhrqv shuirup wrwdo nqhh dqg kls uhsodfhphqwv xwlol}lqj wkh odwhvw whfkqrorj| dqg whfkqltxhv 0 lqfoxglqj wkh dqwhulru kls dssurdfk1 Rxu vxujhrqv dovr wuhdw urwdwru fxii lpslqjhphqw dqg whduv/ iur}hq ru vwlii vkrxoghu/ fdusdo wxqqho v|qgurph/ dqg pdq| rwkhu ruwkrshglf frqglwlrqv1 'XDQH -RKQVRQ '2 )DPLO\ 0HGLFLQH 2EVWHWULFV

0LFKDHO .RRLVWUD 0' )DPLO\ 0HGLFLQH 2EVWHWULFV

/DYHUQH 0LOOHU 0' )DPLO\ 0HGLFLQH 2EVWHWULFV *HULDWULFV

'DQLHO 8QGHUZRRG 0' )DPLO\ 0HGLFLQH 2EVWHWULFV

9DVDYL 5HGG\ 0' )DPLO\ 0HGLFLQH 2FFXSDWLRQDO +HDOWK

$TXDWLF 7KHUDS\ DW &0+ Dtxdwlf Wkhuds| fdq pdnh d uhpdundeoh gliihuhqfh diwhu dq looqhvv/ lqmxu|/ ru vxujhu|/ zkhq d sdwlhqw*v vhqvlwlylw| wr sdlq pd| eh lqfuhdvhg ru wkh delolw| wr ehdu zhljkw rq wkh lqmxuhg duhd olplwhg1 Zdwhu vxssruwv wkh erg|/ uhgxfhv mrlqw vwuhvv/ dqg surylghv erwk uhvlvwdqfh dqg dvvlvwdqfh wr pryhphqw1

7KH UHJLRQ¶V RQO\ +LJK )LHOG 2SHQ 05, 6FRWW :DWHUV 0' )DPLO\ 0HGLFLQH 2EVWHWULFV

7RGG :LOH\ 0' )DPLO\ 0HGLFLQH 2EVWHWULFV

7DUD /\QFKDUG &13 &10 &HUWLILHG )DPLO\ 1XUVH 3UDFWLWLRQHU DQG &HUWLILHG 1XUVH 0LGZLIH

-HVVLFD 6ODWWHU\ &13 &HUWLILHG )DPLO\ 1XUVH 3UDFWLWLRQHU

.RUL 6WUXELQJ &13 &HUWLILHG )DPLO\ 1XUVH 3UDFWLWLRQHU

-DPHV 'R]LHU 0' 1HXURVXUJHU\

-RKQ +DJJHUW\ $7& '& 6SRUWV 0HG &KLURSUDFWLF

3HWHU +DQOH\ 0' &DUGLRORJ\

Dw Frppxqlw| Phpruldo Krvslwdo/ rxu kljk0ilhog rshq PUL vfdqqhu hqdeohv xv wr rewdlq kljk0uhvroxwlrq PU lpdjhv iru yluwxdoo| dq| sdwlhqw/ lqfoxglqj fkloguhq/ lqglylgxdov zlwk olplwhg prelolw|/ dqg wkrvh zkr duh fodxvwurskrelf ru rehvh1 Zkhq |rxu sk|vlfldq uhfrpphqgv dq PUL/ lqvlvw rq Frppxqlw| Phpruldo Krvslwdo1

6SHFLDOW\ 3K\VLFLDQV

0LFKDHO $UDWD 0' 2UWKRSHGLFV

,UIDQ 0XQLU 0' 1HSKURORJ\

&KULVWRSKHU 'DQE\ 0' &DUGLR 7KRUDFLF 6XUJHU\

9 5 3UDVDG 1DODPROX 0' 6DP 1HXVFKZDQJHU '30 &DUGLRORJ\ 3RGLDWU\

- 3DOOL 0' 8URORJ\

1 &ROXPEXV 6W ‡ +LFNVYLOOH 2+ ‡ ZZZ FPKRVS FRP

$ODQ 3HWHUVRQ 0' &DUGLR 7KRUDFLF 6XUJHU\

&UDLJ +DQVRQ 0' *\QHFRORJ\

&KDUOHV 3UHVWL 0' &DUGLRORJ\

5REHUW +HFN 3K' 3V\FKRORJ\

-HIIUH\ -XVWLFH 0' *HQHUDO 6XUJHU\

%U\DQ .DSODQVN\ 0' 3K\VLFDO 0HGLFLQH 5HKDE

:LOOLDP 5XWOHGJH 0' 2UWKRSHGLFV

9LQFHQW 6FDYR 0' &DUGLR 7KRUDFLF 6XUJHU\

5LFKDUG 6PLWK 0' (DUV 1RVH 7KURDW

/,.( XV RQ )DFHERRN ZZZ IDFHERRN FRP FPKRVS


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( $

7KH 6WDWH %DQN 7UXVW &RPSDQ\ SURYLGHV VROXWLRQV +HOS DYDLODEOH IRU FRQVXPHU ORDQV VPDOO EXVLQHVV QHHGV DQG ILUVW WLPH KRPH EX\HUV QR PRUH WKDQ WKH UDQJH <RX VWLOO PD\ QHHG D FRVLJQHU 2QFH \RX JHW WKH FUHGLW FDUG XVH LW ZLVHO\ DQG SD\ LW RII HYHU\ PRQWK ZKHQ \RX JHW WKH ELOO ¾ 7LPH VSHQW DW \RXU FXUUHQW MRE DQG FXU UHQW UHVLGHQFH DUH DOVR LPSRUWDQW IDFWRUV LQ REWDLQLQJ FRQVXPHU FUHGLW ´7KH ERWWRP OLQH LV WKDW SHRSOH QHHG WR EH VPDUW ZLWK WKHLU PRQH\ 3D\ DOO \RXU ELOOV RQ WLPH EHFDXVH WKHVH DFWLRQV FDQ EH KDUPIXO WR \RXU FUHGLW VFRUH ¾ /RDQ LQTXLU\ DQG ORDQ DSSOLFDWLRQ IRUPV DUH DYDLODEOH RQ WKH EDQN¡V ZHEVLWH DW ZZZ WKHEDQN VEW FRP ´2U \RX FDQ VLPSO\ FDOO DQ\ RI RXU EDQN LQJ FHQWHUV ¾ DGGHG (QVLJQ ´:H DUH KDSS\ WR DQVZHU DOO \RXU TXHVWLRQV DQG ZH FDQ SURYLGH IUHH ILQDQFLDO FRXQVHOLQJ WRR :H ZDQW WR DVVLVW HYHU\RQH ZLWK WKHLU ORDQ UHTXHVW VR WKDW WKH\ ZLOO FRPH EDFN WR XV IRU WKHLU IXWXUH QHHGV ¾ 6WDWH %DQN DOVR KDV WKH H[SHUWLVH DQG NQRZOHGJH WR DVVLVW SRWHQWLDO VPDOO EXVL QHVV RZQHUV ZKR VHHN ILQDQFLQJ ´:KHQ LW FRPHV WR VWDUWLQJ D EXVLQHVV LQGLYLGXDOV ZLWK SDVVLRQ DQG HQHUJ\ DUH RIWHQ WKH PRVW VXFFHVVIXO ¾ VDLG /DXUD .OLQH YLFH SUHVLGHQW VPDOO EXVLQHVV GHYHO

)URP ILUVW WLPH KRPH EX\HUV WR VWDUWLQJ D EXVLQHVV 6WDWH %DQN DQG 7UXVW &RPSDQ\ SURYLGHV D ZLGH YDULHW\ RI XQLTXH VROX WLRQV IRU WKH SHUVRQDO DQG EXVLQHVV EDQN LQJ QHHGV RI DUHD UHVLGHQWV ´:H ZHOFRPH DOO SURVSHFWLYH ILUVW WLPH KRPH EX\HUV ¾ VDLG 'HQLVH 'DYHQSRUW $VVLVWDQW 9LFH 3UHVLGHQW DQG 5HVLGHQWLDO 0RUWJDJH /RDQ 2IILFHU ´:H DUH KDSS\ WR VLW GRZQ ZLWK WKHP DQG H[SODLQ WKH GRFXPHQWV WKH\ QHHG DQG GHWHUPLQH WKH SURJUDP WKDW LV EHVW IRU WKHP 2XU KRPH EX\HU HGXFDWLRQ SURFHVV LV D IUHH VHUYLFH ¾ 'DYHQSRUW DQG WKH RWKHU 0RUWJDJH /RDQ 2IILFHUV WKURXJKRXW 7KH 6WDWH %DQN¡V SURIHVVLRQDO FRPPXQLW\ EDQNLQJ FHQWHUV DUH FRPPLWWHG WR SURYLGLQJ SURVSHFWLYH EX\HUV ZLWK WKH EHVW UDWHV DQG PRVW NQRZO HGJHDEOH VHUYLFH :KHWKHU \RX¡UH D ILUVW WLPH KRPH EX\HU UHILQDQFLQJ RU EXLOGLQJ WKH KRPH RI \RXU GUHDPV WKH\ ZLOO ILQG WKH PRUWJDJH SURJUDP WKDW ILWV \RXU ILQDQFLDO VLWXDWLRQ ´:H¡OO PDNH \RXU KRPH EX\LQJ H[SH ULHQFH FRQYHQLHQW DQG KDVVOH IUHH ¾ VDLG 'DYHQSRUW ´7KH ILUVW WKLQJ ZH UHFRPPHQG LV REWDLQLQJ D SUH DSSURYDO OHWWHU IURP XV EHIRUH FRQWDFWLQJ D 5HDOWRU RU 6HOOHU 7KDW ZD\ WKH\ NQRZ \RX DUH D VHULRXV EX\HU ¾

'DYHQSRUW VWDWHG WKDW DOO /RDQ 2IILFHUV DUH WUDLQHG WR DVVLVW SURVSHFWLYH EX\HUV WKURXJK WKH SUH DSSURYDO SURFHVV ZKLOH KHOSLQJ WKHP RYHUFRPH DQ\ FUHGLW FKDO OHQJHV DQG REWDLQ QHHGHG GRFXPHQWV ´,W DOO VWDUWV ZLWK D SKRQH FDOO WR RQH RI RXU EDQNLQJ FHQWHUV WKDW¡V WKH PRVW FRP PRQ ZD\ ¾ VKH VDLG ´<RX FDQ DOVR PDNH DQ DSSRLQWPHQW RU VHHN SUH DSSURYDO RQOLQH ,W¡V D TXLFN DQG HDV\ SURFHVV 5DWHV DUH ORZ DQG SULFHV DUH ORZ ,W¡V D JUHDW WLPH WR EX\ ¾ :KHQ LW FRPHV WR D FRQVXPHU ORDQ WKH EDQN¡V SURIHVVLRQDO VWDII LV HTXDOO\ KHOS DQG IULHQGO\ ´:H UHDOL]H WKDW HVWDEOLVKLQJ FUHGLW LV RIWHQ WLPHV D &DWFK VLWXDWLRQ ¾ VDLG &\QGL (QVLJQ YLFH SUHVLGHQW DQG FRQ VXPHU OHQGLQJ VDOHV PDQDJHU ´<RX QHHG D FUHGLW KLVWRU\ WR JHW D ORDQ EXW LW¡V KDUG WR KDYH D FUHGLW KLVWRU\ LI \RX KDYH QHYHU ERU URZHG PRQH\ IURP D ILQDQFLDO LQVWLWXWLRQ ¾ (QVLJQ ZDV UHDG\ ZLWK VRPH SUDFWLFDO DGYLFH ´(VWDEOLVK D FKHFNLQJ DQG RU VDYLQJV DFFRXQW ZLWK D ORFDO EDQN DQG EXLOG XS D JRRG UHODWLRQVKLS ZLWK WKDW EDQN ¾ VKH VDLG ´*HW D FUHGLW FDUG ZLWK ORZ OLPLWV

The State Bank & Trust company approaches small business loans with a holistic approach, partnering with the Small Business Administration, Small Business Development Center and/or Maumee Valley Planning Organization to structure financing. Here, Laura Kline

(left), vice president small business development and Jeff Starner, vice president commercial lending officer, talk The State Bank & Trust loan officer with Mary Weisgerber who they helped with a small business loan to start her Theresa Gineman hands the keys to his new business, “A Little Slice of Heaven.� new Ford Mustang to Peter Cates who received his first new car loan through

THE

BANK

RSPHQW :KHWKHU WKH FOLHQW LV SXUFKDVLQJ D EXLOGLQJ EX\LQJ HTXLSPHQW RU QHHGV D OLQH RI FUHGLW ZH ZLOO KHOS VWUXFWXUH WKH ULJKW ORDQ IRU WKHP JLYHQ WKHLU QHHGV :H DUH SDUW RI WKHLU WHDP ZRUNLQJ DORQJVLGH WKHLU DFFRXQWDQW DQG DWWRUQH\ ´:H WU\ YHU\ KDUG WR KHOS VPDOO EXVLQHVV RZQHUV IURP D KROLVWLF SHUVSHFWLYH :H SDUW QHU ZLWK WKH 6PDOO %XVLQHVV $GPLQLVWUDWLRQ 6PDOO %XVLQHVV 'HYHORSPHQW &HQWHU DQG RU 0DXPHH 9DOOH\ 3ODQQLQJ 2UJDQL]DWLRQ WR VWUXFWXUH ILQDQFLQJ ¾ $GGHG .OLQH ´,I VRPHWKLQJ FDQQRW EH GRQH ZH ZLOO WHOO EXVLQHVV RZQHUV ZKDW WKH\ QHHG WR GR ,Q DQ\ HYHQW ZH ZDQW WR VLW DFURVV WKH WDEOH IURP WKHP ILYH \HDUV IURP QRZ DQG VD\ ZH PDGH D JRRG GHFL VLRQ ¾ 7KH 6WDWH %DQN 7UXVW &RPSDQ\ LV SURXG RI LWV UHPDUNDEOH KLVWRU\ ZKLFK GDWHV EDFN WR 7KH LQVWLWXWLRQ¡V FRO OHFWLYH OHDGHUVKLS DQG LQWHJULW\ FRQWLQXHV WR WKLV GD\ ´, ZHOFRPH \RX WR YLVLW DQ\ RI RXU EDQN LQJ FHQWHU ORFDWLRQV WR GLVFXVV \RXU ILQDQ FLDO QHHGV RU FRQWDFW XV RQOLQH ¾ VDLG SUHVL GHQW DQG &(2 0DUN .OHLQ ´-XVW DVN XV :H NQRZ WKH ZD\ ¾

the local bank. State Bank & Trust officials can provide advice and solutions for all your financial needs from personal loans to small business loans.

THE STATE BANK

AND TRUST COMPANY

Call your State Bank Lending Team Today!

Jon Gathman - Senior Lender . Jeff Starner - Commercial Lender Denise Davenport - Mortgage Lender . Cyndi Ensign - Consumer Lender . Laura Kline - Small Business Lender Rod Martin - Business Development Officer . Bud Williams - Business Development Officer

www.thebank-sbt.com 419.783.8950 s 877.867.4218 s 401 Clinton Street s Defiance, OH 43512


3$*( $ )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

Sh u ltz H u be r & As s o ciate s : Lo cal Firs t-Clas s Se rvice Shultz Huber and Associates is an accounting firm that specializes in tailored strategies for companies and their owners. They offer first-class service with local offices in Archbold, Bryan, Defiance, Findlay, and Van Wert.

said, “With the growing clientele in the Bryan area, it made sense to open a fifth office to better serve our clients. Our local business philosophy and care for the community were part of what led us to renovate a great downtown location.�

&OLQWRQ 6WUHHW 6XLWH

“Our client’s appreciate the 'HILDQFH 2+ personalized offerings of our local office structure combined with the depth of resources and knowledge available throughout our five locations and forty-five employees,� said Terry Melton, CPA, MA and Partner in Defiance. SH&A is made up of professionals with a variety of experience and interests. They are specialists who care about their clients, their profession, and their communities. “Expertise, integrity, solid 1RUWK 0DLQ 6WUHHW reputation and commitment to )LQGOD\ 2+ education are what you can expect from our team,� says Tony Gericke, CPA and Partner in Defiance. Formally founded in 1969 and in its 43rd year of business, Shultz Huber and Associates has experienced growth of their offices. The newest location opened J anuary 20 12 in Bryan, Ohio. Tyson Stuckey, CPA, CVA, MAFM, and Partner in Bryan and Defiance

(DVW +LJK 6WUHHW %U\DQ 2+ N e w Office , D o w n to w n Bryan

More exciting news for SH&A in 20 12: this was the first year the Favorite Accounting Firm category was added to the Crescent News Readers’ Choice Awards for 20 12. Shultz Huber and Associates was named first-place choice for the sixcounty area.

While there have been some exciting changes this year at SH&A, they have not changed many aspects of the firm over its long, reputable history. They maintain their client-centric foundation for service. Be gin n in g w ith a re latio n s h ip w ith 6WU\NHU 6WUHHW $UFKEROG 2+ bu s in e s s e s an d th e ir o w n e rs , th e y lis te n an d le arn th e ir n e e ds . It is simple, yet so powerful. Add in the range and depth of service offerings, and then the goaloriented result of a successful business is achievable. SH &A s e rvice o ffe rin gs in clu de : Accounting and Auditing Financial Statement Preparation Tax Preparation QuickBooks Consulting Business Valuation

)R[ 5RDG 9DQ :HUW 2+ Business Development

Consulting Forensic Accounting

“This is a great honor for our firm. Our clients are our number one priority and we are humbled that this award confirms that. Our team gives our clients the superior service they deserve and we would like to thank them as well for their dedication,� commented Tim Yoder, CPA, MBA and Partner in Archbold.

Human Resource Consulting Information Technology Payroll Processing “SH&A is here to provide our clients with the expertise and resources to ensure they receive the attention

they deserve and the expert care they desire,� says DJ Muse, CPA, DABFA, and Principal in Van Wert. Re latio n s h ip-ce n te re d valu e w ith a co m pre h e n s ive ran ge o f s e rvice s is w h at yo u can e xpe ct an d re ce ive fro m SH &A. “Our focus is working with businesses and their owners to evaluate complex issues, develop practical solutions and improve financial performance,� adds Barb Kohnen, CPA and Partner in Van Wert. Community involvement is another area that has not changed for SH&A. “Community matters and we encourage participation; our professionals volunteer in a variety of activities,� says J im Burgei, CPA, Defiance Office. The firm is committed to being an integral part of the communities they serve. “We also accomplish part of that commitment by our work with notfor-profit organizations. We provide payroll processing, financial statement preparation and other services to not-for-profit organizations in the area. Helping these organizations with their accounting work frees them up to carry on their charitable mission,� adds Rob Bourn, CPA in Defiance.

Whether it is through traditional accounting and tax services, payroll processing, or specialized consulting such as Human Resources or Business Development, SH&A offers a unique service model that can provide great value to businesses and their owners. Th e firm is co m m itte d to be in g an in te gral part o f th e co m m u n itie s th e y s e rve . “For decades, we are doing what it takes to help our clients thrive in their businesses. This is no easy directive, especially in the current environment. We have the skills to help our clients through the maze and passion for business to make sure they come out better,� concludes recently retired partner, J im Schatz of Defiance office. Do you need a business partner who understands your industry? Let us be the firm to help you move forward. Fo r m o re in fo rm atio n vis it o u r w e bs ite at www.sha

- cpa.com .


FOCUS

PROFILES AND SUCCESS STORIES

Postema Insurance & Investments President Dennis Postema and Senior Vice President of Postema Marketing Group Paul Mallett continually review ways to better serve the Defiance based company’s current and future customers. See page 7.

2012

The Filling Home of Mercy offers many activities for its residents including swimming. See page 9

Fitzenrider Culligan representative Rhonda VanDyke is always happy to display the company’s fresh water offerings. See page 3. Sigg Realtors Donna Baldwin, Patti Sigg, Fred Bokop and Dwight Chatham offer decades of real estate experience to customers of Sigg Realty. See page 6. Ray Clemens and the Arps Hardware staff have much more than mums to sell. See page 9.

Becca Giesige assists resident Harold Sprow at The Laurels of Defiance. See page 10.

Henry County Hospital RN Wendy Pilkington, RN cares for a new arrival at the hospital. See page 2.

Lifeline coordinator Lora Richards is an important part of the ProMedica Defiance Regional Hospital team. See page 6.

ReStore, located at 919 Grove Street, provides many community services. To learn more see page 8.

IN THIS ISSUE

Carpet Wholesalers Ltd. Assistant Store Manager Stephanie Jesse and Store Manager Jared Jacques stand beside some of the huge carpet inventory offered by the store. See page 3.

Arps Hardware . . . . . . . . . . . . . . . . . . . . B9 Carpet Wholesalers Ltd . . . . . . . . . . . . . . B3 Citizens National Bank. . . . . . . . . . . . . . . B8 The Crescent-News . . . . . . . . . . . . . . .B4-B5 Filling Home Of Mercy. . . . . . . . . . . . . . . B9 Fitzenrider Culligan . . . . . . . . . . . . . . . . . B3 Henry County Hospital. . . . . . . . . . . . . . . B2 The Laurels of Defiance . . . . . . . . . . . . . B10 Postema Insurance & Investments, LLC . . . . B7 ProMedica Defiance Regional Hospital . . . B6 ReStore . . . . . . . . . . . . . . . . . . . . . . . . . . B8 Sigg Realty . . . . . . . . . . . . . . . . . . . . . . . B6

Citizens National Bank staff members Adam Fritz, Sharon DeLong, Jason LaBounty and Brad Spitnale are eager for the 2013 construction of the bank’s Defiance branch building. See page 8.

Focus 2012 - Section B

The stories in this section of The Crescent-News contain advertorial content and were approved by the advertisers they represent.

7KH &UHVFHQW 1HZV 6XQGD\ 6HSWHPEHU


3$*( % )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

/RFDO JRYHUQPHQW RIILFLDOV VWUHVV SRVLWLYH GHYHORSPHQWV /RFDO JRYHUQPHQW RIIL FLDOV DUH RIWHQ RSWLPLVWV DQG VRPH RI WKHP KDYH IRXQG SOHQW\ RI SRVLWLYH QHZV WKLV \HDU 6RPH RI WKH PRVW FKHHU\ QHZV FRPHV IURP +LFNVYLOOH ZKHUH 0D\RU /DUU\ +DYHU QRWHV WKDW ´ZH·YH KDG D IHZ SRVLWLYH WKLQJV KDSSHQ µ ,W VWDUWV ZLWK GHYHORS PHQWV LQ WKH IRUPHU 'HDWULFN ,QGXVWULHV EXLOGLQJ RQ :HVW +LJK 6WUHHW QHDU WKH YLO ODJH·V VRXWKZHVW FRUSRUD WLRQ OLPLWV 7KHUH WKH )RUW :RUWK 7H[DV EDVHG FRP SDQ\ ):7 LV HVWDEOLVKLQJ D IDFLOLW\ WKDW ZLOO HPSOR\ SHUVRQV WR PDNH XWLOLW\ DQG WHOHFRPPXQLFDWLRQV WRZHUV 0HDQZKLOH $ 3 7RRO KDV RFFXSLHG WKH IRUPHU 1HPFR EXLOGLQJ ZKLOH WKH IRUPHU 7ULGHQW IDFLOLW\ KDV EHHQ SXUFKDVHG IRU D QHZ XVH DV ZHOO %RWK RI WKRVH EXLOGLQJV KDG EHHQ KRPH WR PDQXIDFWXULQJ RSHUDWLRQV ´:H·UH KRSHIXOO\ RQ WKH XSVZLQJ DQG WKLQJV ORRN SUHWW\ SRVLWLYH µ VDLG +DYHU +H DOVR QRWHG WKDW VRPH YLOODJH GUDLQDJH FRQFHUQV KDYH EHHQ DGGUHVVHG ZLWK FRQVWUXFWLRQ RI D QHZ UHWHQ WLRQ SRQG QHDU &RPPXQLW\

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´FRQ WLQXH WR WDNH D ORRN DW KRZ RXU FLW\ VHUYLFHV FDQ EHVW EH SURYLGHG WR WKH SXE OLF µ VDLG 'HILDQFH 0D\RU %RE $UPVWURQJ QRWLQJ WKH UHFHQW PRYH RI WKH FLW\ LQFRPH WD[ DQG XWLOLWLHV ELOO LQJ RIILFHV WR WKH FLW\ VHUYLFH EXLOGLQJ DW 3HUU\ 6W ´2I FRXUVH ZH DUH ORRNLQJ DW UHJLRQDOL]DWLRQ RI ILUH VHU YLFH DQG ZKDW SRVVLELOLWLHV WKDW PD\ KDYH µ ´&LW\ +DOO UHPDLQV SRVL WLYH µ $UPVWURQJ VDLG ´7KLV

LVQ·W WKH EHVW RI WLPHV LW·V QRW WKH ZRUVW RI WLPHV HLWKHU :H WU\ WR UHPDLQ SRVLWLYH DQG ORRN WR WKH IXWXUH DQG NHHS PRYLQJ IRUZDUG LI ZH FDQ DQG GRLQJ ZKDW ZH FDQ ZLWK ZKDW ZH KDYH µ $UPVWURQJ DOVR SRLQWV WR SDUWQHUVKLSV ZLWK ORFDO RUJDQL]DWLRQV DV SRVLWLYHV WR EROVWHU WKH FRPPXQLW\·V TXDOLW\ RI OLIH ´,W·V JUHDW WR EH D PD\RU LQ DQ DUHD ZKHUH SHRSOH DUH ZLOOLQJ WR EH KHOSIXO µ KH VDLG 'HILDQFH &RXQW\ JRYHUQ PHQW VDZ D QXPEHU RI SURM HFWV FRPH WR IUXLWLRQ LQ DV SRVLWLYH VWHSV IRUZDUG 2QH ZDV WKH RSHQLQJ RI WKH FRXUWKRXVH DQQH[ EXLOGLQJ DW 6HFRQG 6WUHHW DQG :D\QH $YHQXH 7KLV DOORZHG WKH DXGLWRU UHFRUG HU DQG WUHDVXUHU RIILFHV WR UHORFDWH IURP WKH FRXQW\ FRXUWKRXVH 7KH FRXQW\ HQJLQHHU·V RIILFH PRYHG IURP WKH DQQH[ WR WKH IRU PHU ODZ OLEUDU\ DW &RXUW 6W ZKLFK ZDV UHQRYDWHG 7KHVH GHYHORSPHQWV ZHUH SDUW RI FRXQW\ FRPPLVVLRQ HUV· SKDVHG SODQ WR LPSURYH FRXQW\ IDFLOLWLHV DQG RIILFH VSDFH IROORZLQJ GHIHDW RI D

WD[ LVVXH LQ WR EXLOG D QHZ FRXUWKRXVH ´:H·YH PRYHG WKH FRXQ W\ DKHDG TXLWH D ZD\V LQ WKH ODVW IRXU \HDUV µ VDLG &RPPLVVLRQHU -DPHV +DUULV -U +H DOVR SRLQWV WR URDG SURM HFWV ³ VXFK DV WKH ZLGHQLQJ DQG UHSDYLQJ SDUWV RI (OOLRWW DQG &KULVW\ URDGV ³ DV ZHOO DV WKH FRXQW\·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´:KHQ , ORRN EDFN , IHHO

Cutting the ribbon for the FWT plant in Hicksville on Sept. 11, were from left: vice president of sales Bill Sales, Chris Moore, Jeremy Moore and chief executive officer Fred Moore.

OLNH ZH·YH GRQH D UHDO JRRG MRE RI FRQWUROOLQJ RXU VSHQG LQJ µ VDLG 9RQ 'H\OHQ $V DQ H[DPSOH KH VDLG WKH FRXQW\ KDV GLVFRXUDJHG WKH LGHD RI FRXQW\ RIILFHV SXWWLQJ H[WUD HPHUJHQF\ H[SHQVHV LQ WKHLU EXGJHWV ,QVWHDG FRPPLVVLRQHUV ZDQW WKRVH RIILFHV WR FRPH WR WKHP ZKHQ H[WUD IXQGV DUH QHHGHG ´, WKLQN LQ WKH ORQJ UXQ LW VDYHG WKH FRXQW\ PRQH\ µ VDLG 9RQ 'H\OHQ ´, WKLQN ZKHQ SHRSOH GLG KDYH DQ

HPHUJHQF\ WKH\ UHDOL]HG WKH\ FRXOG FRPH WR XV DQG ZH ZRXOG KHOS WKHP RXW µ 9RQ 'H\OHQ QRWHG WKDW WKH FRXQW\ KDV FROODERUDWHG ZHOO ZLWK VRPH RI WKH YLO ODJHV WR FRPSOHWH VRPH QHF HVVDU\ SURMHFWV VXFK DV WKH 2NRORQD DQG 0DOLQWD VHZHU SURMHFWV DQG 0F&OXUH ZDWHU SURMHFW ´7KHUH ZHUH VRPH WKLQJV ZH ZHUH IRUFHG WR GR DV PDQGDWHG E\ WKH (3$ DQG , WKLQN ZH PDGH LW DV SRVLWLYH DV ZH FRXOG µ KH VDLG

+RVSLWDO &(2V GLVFXVV DGYDQFHPHQWV LQ ORFDO KHDOWK FDUH 7KH &(2V RI WZR DUHD KRVSLWDOV ³ +HQU\ &RXQW\ +RVSLWDO DQG &RPPXQLW\ 0HPRULDO +RVSLWDO ³ ZHUH DVNHG UHFHQWO\ E\ 7KH &UHVFHQW 1HZV ´:KDW KDV EHHQ WKH PRVW SRVLWLYH GHYHORSPHQW LQ WKH UHJLRQ WKLV \HDU WKDW DIIHFWV KHDOWK FDUH DQG ZK\ KDV WKLV GHYHORSPHQW KDSSHQHG RU ZKDW FDXVHG LW"µ .LP %RUGHQNLUFKHU &(2 RI +HQU\ &RXQW\ +RVSLWDO LQ 1DSROHRQ UHSOLHG ´$IWHU VRPH WKRXJKW , WKLQN WKDW WKH PRVW SRVL WLYH GHYHORSPHQW LQ WKH UHJLRQ WKLV \HDU WKDW DIIHFWV KHDOWK FDUH LV WKH 5HJLRQDO 4XDOLW\ &ROODERUDWLYH 7KLV FROODERUDWLYH LV FRPSULVHG RI WKH KRVSLWDOV LQ QRUWKZHVW 2KLR 7KH 1RUWKZHVW 2KLR +RVSLWDO 4XDOLW\ &ROODERUDWLYH ZLOO ERO VWHU SDWLHQW VDIHW\ VDYH OLYHV DQG UHGXFH KHDOWK FDUH FRVWV IRU WKH UHJLRQ 6KH FRQWLQXHG ´)RUPHG E\ WKH 4XDOLW\ ,QVWLWXWH RI WKH

2KLR +RVSLWDO $ V V R F L D W L R Q 2+$ DQG WKH +RVSLWDO &RXQFLO RI 1RUWKZHVW 2KLR +&12 WKH FROODERUDWLYH EULQJV WRJHWKHU KRVSLWDO DGPLQ LVWUDWRUV SK\VL %RUGHQNLUFKHU FLDQV DQG RWKHU FOLQLFLDQV WR VKDUH EHVW SUDFWLFHV RQ LPSURYLQJ SDWLHQW VDIHW\ DQG SDWLHQW RXWFRPHV 7KH EHVW SUDF WLFHV ZLOO EH UHSOLFDWHG LQ KRVSL WDOV WKURXJKRXW WKH UHJLRQ DQG EH\RQG ´:KHQ KRVSLWDO VWDII JDWKHU WR GLVFXVV EHVW SUDFWLFHV WR LPSURYH WKH TXDOLW\ DQG VDIHW\ RI SDWLHQW FDUH WKH SDWLHQWV RI QRUWKZHVW 2KLR ZLOO GLUHFWO\ EHQHILW ´7KH 1RUWKZHVW 2KLR +RVSLWDO 4XDOLW\ &ROODERUDWLYH MRLQV IRXU H[LVWLQJ UHJLRQDO TXDOLW\ FROODE RUDWLYH LQLWLDWLYHV XQGHUZD\ LQ

'D\WRQ &LQFLQQDWL &HQWUDO 2KLR DQG 1RUWKHDVW 2KLR µ VKH VDLG ´$OO UHJLRQDO TXDOLW\ FROODERUDWLYH SURMHFWV DUH XQGHU WKH OHDGHUVKLS RI WKH 4XDOLW\ ,QVWLWXWH RI 2+$ ZKLFK DOVR IDFLOLWDWHV FRPPXQL FDWLRQV DPRQJ DOO RI WKH UHJLRQ DO FROODERUDWLYH SURMHFWV VR WKDW EHVW SUDFWLFHV FDQ EH VKDUHG IURP UHJLRQ WR UHJLRQ DFURVV 2KLR ´(DFK UHJLRQDO TXDOLW\ FROODE RUDWLYH SURMHFW IRFXVHV RQ RQH RI IRXU NH\ VWDWHZLGH TXDOLW\ JRDOV UHGXFH LQIHFWLRQV UHGXFH UHDG PLVVLRQV UHGXFH DGYHUVH HYHQWV DQG LQFUHDVH SDWLHQW VDWLVIDFWLRQ µ ,Q +LFNVYLOOH 0HO )DKV &(2 RI &RPPXQLW\ 0HPRULDO +RVSLWDO DQVZHUHG ´, IHHO WKDW HOHFWURQLF PHGLFDO UHFRUGV (05 ZLOO KDYH D VLJQLILFDQW LPSDFW RQ WKH ZD\ KHDOWK FDUH LV GHOLYHUHG QRW MXVW UHJLRQDOO\ EXW QDWLRQDOO\ µ KH QRWHG ´:H ODXQFKHG RXU (05 RQ 0D\ DQG QRZ DOO RI RXU SK\VLFLDQ RIILFHV DUH FRQQHFWHG WR

WKH KRVSLWDO DQG YLFH YHUVD :KHQ WKH VWDWH DQG QDWLRQDO QHWZRUNV DUH XS DQG UXQ QLQJ \RXU KHDOWK UHFRUG ZLOO IROORZ \RX ZKHUHYHU \RX JR FXWWLQJ GRZQ )DKV RQ ERWK FRVWV DQG PHGLFDO HUURUV ´/RFDOO\ WKH EHVW WKLQJ WKDW KDV KDSSHQHG WR RXU FRPPXQLW\ +LFNVYLOOH LV WKH DGGLWLRQ RI )RUW :RUWK 7RZHU ):7 EULQJLQJ VRRQ WR EH MREV WR WKH FRP PXQLW\ µ KH VDLG ´7KDQNV WR D ORW RI ORFDO WHDPZRUN ZH QRZ KDYH DOO RI RXU LQGXVWULDO EXLOG LQJV ILOOHG ZLWK QHZ DQG H[SDQG LQJ EXVLQHVVHV 7KLV KDV SRVLWLYHO\ DIIHFWHG VR PDQ\ DUHDV RI RXU FRPPXQLW\ WKH KRVSLWDO LQFOXG HG DQG ZLOO FRQWLQXH WR IDU LQWR WKH IXWXUH ´&RPPXQLW\ 0HPRULDO +RV

SLWDO KDV UHFHQWO\ H[SDQGHG RXU FDUGLRORJ\ FRYHUDJH WR IRXU GD\V D ZHHN ZLWK VSHFLDOLVWV IURP ERWK /XWKHUDQ DQG 3DUNYLHZ :H KDYH DOVR DGGHG WKUHH FDUGLR WKRUDFLF VXUJHRQV WR RXU VSHFLDOW\ FOLQLF VFKHGXOH 2XU SDWLHQWV KDYH EHHQ YHU\ SOHDVHG ZLWK WKLV H[SDQGHG FRYHUDJH ´2XU RUWKRSHGLF VXUJHU\ SUR JUDP LV DOVR JURZLQJ µ KH DGGHG ´0LFKDHO $UDWD 0' D ERDUG FHU WLILHG RUWKRSHGLF VXUJHRQ QRZ SHUIRUPV WRWDO KLS UHSODFHPHQWV XVLQJ WKH DQWHULRU DSSURDFK ULJKW KHUH DW &RPPXQLW\ 0HPRULDO +RVSLWDO +H LV RQH RI RQO\ D IHZ VXUJHRQV LQ WKH UHJLRQ WUDLQHG WR XVH WKLV DSSURDFK 7KH DQWHULRU DSSURDFK LV D WLVVXH VSDULQJ DOWHU QDWLYH WR WUDGLWLRQDO KLS UHSODFH PHQW VXUJHU\ WKDW SURYLGHV WKH SRWHQWLDO IRU OHVV SDLQ IDVWHU UHFRYHU\ DQG LPSURYHG PRELO LW\ µ

MODERN HEALTHCARE

BEST

PLACES WORK TO

e g n a R l l Fu

of ,QSDWLHQW and QW 2XWSDWLH 6HU YLFHV

BirthingCare Care Services Birthing Services

Featuring suitesand andcomfortable comfortable rooming-in accommodations Featuringlovely lovely birthing birthing suites rooming-in accommodations

Inpatient Carewith with all private rooms and “room service” menu Inpatient Care all private rooms and “room service” menu Rehabilitation Services

Rehabilitation Services Including aquatic, occupational, physical and speech therapy Including aquatic, occupational, physical and speech therapy

Oncology Care Services

Make cancer manageable close to home treatment options Oncologywith Care Services

Make cancer manageable closeCenter to home treatment options Thewith Help Outpatient Behavioral Health Services

The Help Center

Almost Home Program Outpatient Behavioral Health Services

Offering short-term rehabilitation services

Henry County Hospital &BTU 3JWFSWJFX "WF t /BQPMFPO 0) For Formore moreinformation informationabout aboutthe theprograms programsand andservices servicesoffered, offered, visit our website at www.henrycountyhospital.org

Almost Home Program

24 Hour Emergency Offering short-term rehabilitationServices services Medical Imaging Services Surgical Care Services A wide range of wellness and fitness programs for the entire family!


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( %

Customers REASONS TO CHOOSE

CARPET WHOLESALESERS

Carpet Wholesalers offers the latest in floor coverings to customers throughout northwest Ohio. The company offers ceramics, laminate, konecto, carpet as well as luxury vinyl tile at reasonable prices. Owner Gary Heater is proud of

his installers, who he claims, “act like they are working on their own homes at jobs.� Pictured are employees of the Carpet Wholesalers location on Spruce Street in Defiance.

&DUSHW :KROHVDOHUV RIIHULQJ WKH ODWHVW LQ OX[XU\ YLQ\O WLOH 7KHUH¡V VRPHWKLQJ QHZ LQ IORRULQJ )ORDWLQJ OX[XU\ YLQ\O WLOH /97 LV VODWHG WR EH WKH QH[W ELJ WKLQJ ´7KH\ DUH YLQ\O FRPSRVLWHV ¾ H[SODLQHG *DU\ +HDWHU RZQHU RI &DUSHW :KROHVDOHUV 7KH /97 FDQ ORRN OLNH ZRRG RU WLOH ´7KH\ DUH DHVWKHWLFDOO\ SOHDVLQJ IRU DQ\ KRXVH KROG ,I \RX FRPSDUH LW WR ODPLQDWH WKHUH DUH EHQHILWV 6RPH SUREOHPV ZLWK ODPL QDWH LV WKDW H[FHVV PRLVWXUH ZRXOG KDUP LW EXW ZLWK WKHVH /97 \RX FDQ VXEPHUJH WKHP DQG WKH\ ZRQ¡W EH GDPDJHG ¾ /97 DUH DOVR HDV\ WR FOHDQ ´'XVWLQJ LV DOO \RX KDYH WR GR ¾ +HDWHU VDLG ´*RQH DUH WKH GD\V ZKHQ JUDQGPD KDG WR PRS HYHU\ GD\ +HDWHU VDLG D ORW RI ODUJHU PDQXIDFWXUHUV DUH JRLQJ IXOO VZLQJ PDNLQJ /97 ´%\ WKH ILUVW TXDUWHU RI \RX¡OO VHH D ORW PRUH WLOH DQG ZRRG ORRNV IRU /97 ¾ +HDWHU VDLG 7KRVH ZKR ZDQW D JOLPSVH RI ZKDW /97 FDQ ORRN OLNH FDQ KHDG RYHU WR &DUSHW :KROHVDOHUV 7KH FRPSDQ\ KDV LQ VWRFN LWHPV DW HYHU\ VWRUH ,Q WKH UHJLRQ &DUSHW :KROHVDOHUV DUH ORFDWHG DW 6SUXFH 6W LQ 'HILDQFH 6 8QLRQ 6W LQ %U\DQ 1 6FRWW 6W LQ 1DSROHRQ /LQFROQ +LJKZD\ LQ 9DQ :HUW DQG $LUSRUW +LJKZD\ LQ +ROODQG 7KHUH LV DOVR D %RZOLQJ *UHHQ ORFDWLRQ DW 1 'L[LH +LJKZD\

6WRUHV DUH RSHQ 0RQGD\ )ULGD\ IURP D P S P DQG 6DWXUGD\ IURP D P S P ´, WKLQN LQ WKLV DUHD RQH RI WKH PDMRU WKLQJV WKDW ZH KDYH LV WKLQJV LQ VWRFN ¾ VDLG +HDWHU ´1R RQH KDV WR UXQ WR 7ROHGR RU )RUW :D\QH WR ILQG VRPHWKLQJ ¾ &DUSHW :KROHVDOHUV FDQ DOVR VSHFLDO RUGHU LWHPV IRU FXVWRPHUV 1RUPDOO\ DOO SURGXFWV VKLS ZLWKLQ WKUHH WR IRXU GD\V ´$ ORW RI WKHVH SURGXFWV DUH XVHU IULHQG O\ ¾ +HDWHU VDLG ´(DVH RI LQVWDOODWLRQ LV D JRRG WKLQJ DQG ZH¡G EH PRUH WKDQ ZLOOLQJ WR LQVWDOO WKHP ¾ &DUSHW :KROHVDOHUV KDV VHWV RI LQVWDOO HUV WKDW GR D JRRG MRE RQ HYHU\WKLQJ IURP /97 WR FDUSHWLQJ 7KH LQVWDOODWLRQ WHDP KDV PRUH WKDQ \HDUV RI FRPELQHG H[SHUL HQFH ´7KH\ DFW OLNH WKH\ DUH ZRUNLQJ RQ WKHLU RZQ KRPHV DW MREV ¾ +HDWHU VDLG &DUSHW :KROHVDOHUV LV NQRZQ IRU LWV FXV WRPHU VHUYLFH IURP LWV IUHH HVWLPDWHV WR LW¡V LQVWDOODWLRQ 7KH FRPSDQ\¡V JRDO LV SHU FHQW FXVWRPHU VDWLVIDFWLRQ 7KH FRPSDQ\ RIIHUV FHUDPLFV ODPLQDWH NRQHFWR FDUSHW DV ZHOO DV /97 DW UHDVRQDEOH SULFHV ,Q IDFW &DUSHW :KROHVDOHU¡V PRWWR LV ´SULFHV VR ORZ HYHQ ZH GRQ¡W EHOLHYH LW ¾ )RU PRUH LQIRUPDWLRQ RQ KRZ &DUSHW :KROHVDOHUV FDQ PDNH D KRPH¡V LQWHULRU ORRN ZRQGHUIXO VWRS E\ DQ\ VWRUH LQ WKH DUHD

³+H\ &XOOLJDQ 0DQ ´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³OLNH´ )LW]HQULGHU &XOOLJDQ :DWHUœV IDFHERRN SDJH FDQ NHHS XSGDWHG RQ VDOHV SURPRWLRQV HGXFDWLRQ PDWHULDOV DQG IUHH JLYHDZD\V HYHU\ PRQWK

#1

You’ll always get the BEST quality flooring at the BEST price.

#2

We buy direct from the mills and pass the savings on to you.

#3

No gimmicks or bait & switch advertising - Just everyday LOW prices.

#4

We have MILES of quality carpet in stock - Ready for next day installation.

#5

Our low overhead means even greater savings for you.

#6

BEST sales team in NW Ohio. 75 years experience.

#7

FREE in-home estimates working with Design Coordinators

#8

Professional installation by the BEST installers with over 100 years of experience.

#9

BEST selection of the newest colors and styles form all the major manufacturers.

#10

BEST prices guaranteed. “Prices so low, even we don’t believe it.�

FINANCING AVAILABLE

0% Interest ranging 6-12 months with payments (w.a.c)

CELEBRATE OUR 10TH ANNIVERSARY WITH US! 3 ROOMS OF CARPET Installed with Pad

$499.99

Call for details. 40 sq. yards of 55„ carpet. Think outside the Box... Our 19,000 satisfied customers did!

CARPET WHOLESALERS &$53(7 /$0,1$7( &(5$0,& 9,1</ +$5':22' '(),$1&( 1$32/(21 %5<$1

ZZZ FDUSHWZKROHVDOHUVOWG FRP

Does Your Water Smell or Taste Like Dirt? Culligan has the Solution! Call for our

Affordable, Chemical-Free Whole House Filter!

2Q WKH ODVW 6DWXUGD\ RI HDFK PRQWK IURP DP 1RRQ &XOOLJDQ KDV WKHLU PRQWKO\ VDOW DQG ERWWOHG ZDWHU VDOH &XOOLJDQ DOVR DFFHSWV DOO FRPSHWLWRU ERWWOHV GXULQJ WKH ERWWOHG ZDWHU VDOH IRU JDOORQ ERWWOH RI ZDWHU RU ILOO XS RXU ERWWOHV DW WKH ZDWHU YHQGLQJ PDFKLQH IRU „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

9$1 :(57 %2:/,1* *5((1 +2//$1'

COUPON

COUPON

:+2/( +286( ),/7(5 5(17$/

)5((

2QO\

PRQWK

IRU PRQWKV

Fitzenrider

([SLUHV

12 2%/,*$7,21 :$7(5 7(67 Fitzenrider ([SLUHV

:LWK PRQWK 6LJQHG &RQWUDFW

:H DFFHSW 9LVD DQG 0DVWHU&DUG

Fitzenrider

Serving Defiance & Williams Counties 419-782-9756 Corner of St. Rt. 15 & 18 419-636-2236 or waterexperts@bright.net

Hours: Monday - Friday 9 am - 5 pm; Saturday 9 am - 12 Noon


3$*( % )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

7KH &UHVFHQW 1HZV Celebrating our

8&45 4&$0/%

125

th

$/ 60,7+

72'' +(/%(5*

0$5. )52(/,&+

0DQDJLQJ (GLWRU

&LW\ (GLWRU

:HESDJH (GLWRU

\HDUV

\HDUV

\HDUV

\HDUV

-(11< '(55,1*(5

'$5/(1( 35,1&(

/,6$ 1,&(/<

-$&. 3$/0(5

(GXFDWLRQ (GLWRU

/LIHVW\OH (GLWRU

%XVLQHVV $J (GLWRU

&ROXPQLVW )HDWXUH :ULWHU

\HDUV

\HDUV

\HDUV

\HDUV

&+8&. 0$57,1(= %5$1'21

%(7+$1< 5$</(

7$5<1 /$:621

*(25*,$ .2+$57

6WDII 5HSRUWHU

6WDII 5HSRUWHU

6WDII 5HSRUWHU

&RRUHVSRQGHQW

\HDUV

\HDUV

PRQWKV

\HDUV

V 67(9( 9$1'(0$5. *HQHUDO 0DQDJHU

'HDU 5HDGHU

1HZV 'HSDUWPHQW

1HZV (GLWRU

453&&5 %&'*"/$& 0)

6HSWHPEHU

Anniversary!

'(11,6 9$1 6&2'(5

7KH &UHVFHQW 1HZ

\HDUV

&RQJUDWXODWLRQV WR WKH EXVLQHVVHV IHD WXUH VXFFHVVHV 7KH &UH VFHQW 1HZV LV SOHDV G LQ WKLV )RFXV HGLWLRQ RQ WKHLU F HG WR KDYH SDUWQHUHG DUHD FRPSDQLHV DQ XU G RU ZLWK WKHP DQG KXQG UHQW DQG SDVW QRUWKZHVW 2KLR D J JDQL]DWLRQV WKURXJKRXW WKH \HDUV LQ DQ HIIRUW WR PDNH ' UHGV RI RWKHU UHDW SODFH WR OLYH HÀDQFH DQG 7KLV \HDU LV DOVR D PLOHVWRQH \HDU IRU 7KH &UHVFHQW 1HZ V DV ZH FHOHEUDWH R XU WK DQQLYHUVDU $V UHSRUWHG LQ WKH V \ WRU\ RQ WKH DGMRLQL QJ SDJH 7KH &UHVF KLVWRU\ RI VHUYLQJ ' HQ HÀ W 1HZV KDV D ORQJ DQ WKRXJK WKH VXSSRUW DQFH DQG WKH VXUURXQGLQJ DUHD 2XU VXFFHVV FRXOG RQO\ G VWRULHG RI PDQ\ OR\DO DGYHU EH DFKLHYHG D FHQWXU\ WKLV QHZ VSDSHU KDV KDG DOO W WLVHUV OR\DO VXEVFULEHUV DQG D OR\DO V WDII )RU PRUH WKDQ KUHH /DVW ZHHN , REVHUYH G GHOLYHUHG D QHZVSDS D FDUULHU GHOLYHULQJ D QHZVSDSHU WR D KRPH LQ 'HÀDQFH WK HU 1RW PDQ\ EXVLQHVVH WR PRUH WKDQ \HDUV DJR 6DPH K RPH VDPH FXVWRP DW , KDG DOVR V FDQ FODLP WR KDYH K HU DG WKH VDPH FXVWRP HU EDVH IRU WKDW ORQJ 6XFK OR\DOW\ KDV HQ DE IXOO WLPH DQG SD OHG WKH 'HÀDQFH 3XEOLVKLQJ &RPSDQ\ UW WR HPSOR\ D VWDII WK E\ ZDONLQJ UR WLPH HPSOR\HHV 7KRVH HPSOR\HHV S XWH FDUULHUV DQG URGXFH QHZVSDSHUV W DW LQFOXGHV DGXOW PRWRU URXWH G 'HÀ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·V IX J \RX WKH WUXWK DERXW ZKDW LV KDSSHQL QJ Q DQG VRPHWLPHV LW ·V IUXVWUDWLQJ EXW WKD LQ WKLV DUHD RQ D GDLO\ EDVLV QNV WR \RX LW·V DOZD\ V LQWHUHVWLQJ 2Q EHKDOI RI HDFK R I XV DW 7KH &UHVFHQ W 1HZV WKDQNV IRU \ RXU VXSSRUW

6WHYH 9DQ'HPDUN *HQHUDO 0DQDJHU

3(7(5 *5((5

7+20$6 %251

$/$,1$ &$51$+$1

(7+$1 0$7621

&RRUHVSRQGHQW

3KRWRJUDSKHU

3KRWRJUDSKHU

9LGHRJUDSKHU

\HDUV

\HDUV

\HDUV

PRQWKV

6SRUWV 'HSDUWPHQW

0$77 5+$0<

.(9,1 (,6

6SRUWVZULWHU 3KRWRJUDSKHU

6SRUWVZULWHU

6SRUWVZULWHU

6SRUWVZULWHU

6SRUWVZULWHU

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

%58&( +())/,1*(5

7,0 0F'2128*+

/<11 *52//

-()) /21*

6SRUWV (GLWRU

$VVLVWDQW 6SRUWV (GLWRU

6SRUWVZULWHU

\HDUV

\HDUV

\HDUV

$FFRXQWLQJ

&+5,6 9$1 6&2'(5

$GYHUWLVLQJ 0DQDJHU $VVW $GYHUWLVLQJ 0DQDJHU

$FFRXQWDQW

\HDUV

\HDUV

'</$1 +())/,1*(5

-$0(6 /$6.(<

6SRUWVZULWHU

$$521 *5266

-867,1 60,7+

6SRUWVZULWHU

6SRUWVZULWHU

3KRWRJUDSKHU

\HDU

PRQWKV

PRQWKV

\HDUV

&XVWRPHU 6HUYLFH 'HSDUWPHQW

$GYHUWLVLQJ 'HSDUWPHQW

0$5. 5<$1

*5(* *2%52**(

0,.( 9(5127

-$621 67(,1

-$621 +2+(1%5,1.

(5,& +$0021

*,1$ %($77<

/,1'$ 5,&.(5

$%%< 6:(,1+$*(1

/,1=, 60,7+

6DOHV 5HSUHVHQWDWLYH

%(7+ $536

-8'< '80,5(

6DOHV 5HSUHVHQWDWLYH

6DOHV 5HSUHVHQWDWLYH

,QVLGH 6DOHV &OHUN

&XVWRPHU 6HUYLFH &OHUN

&XVWRPHU 6HUYLFH &OHUN

&XVWRPHU 6HUYLFH &OHUN

&XVWRPHU 6HUYLFH &OHUN

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

PRQWKV

\HDUV

&LUFXODWLRQ 'HSDUWPHQW

%(77< /(17=

3$0 $51(77

0,&.,( %87/(5

*5(* 0(<(56

.,0%(5/< %,1*+$0

&$7+< .L11(<

3$0(/$ 6+22.

'(11,6 6$:<(5

/$9(51 <2'(5

720 6&+/266(5

-$0(6 '$9,6

%(1 60,7+

&LUFXODWLRQ &6 0DQDJHU

5XUDO 'LVWULEXWLRQ 0JU

'LVWULFW 0DQDJHU

'LVWULFW 0DQDJHU

'LVWULFW 0DQDJHU

&XVWRPHU 6HUYLFH &OHUN

&XVWRPHU 6HUYLFH &OHUN

%XQGOH 'ULYHU

%XQGOH 'ULYHU

'ULYHU

%XQGOH 'ULYHU

%XQGOH 'ULYHU

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDU

PRQWKV

PRQWK

3UHSUHVV 'HSDUWPHQW

%(9(5/< 67$+/

$'$0 %5(&./(5

.$7+< 78%%6

3UHSUHVV 0DQDJHU

,7 *UDSKLF $UWLVW

*UDSKLF $UWLVW

\HDUV

\HDUV

\HDUV

3UHVVURRP

*$5< 5,&+(<

720 6+$)(5

(/,=$%(7+ :('',1*721

-8/,$11( +21(&.

3KRWRVKRS

*UDSKLF $UWLVW

*UDSKLF $UWLVW

3URGXFWLRQ 0DQDJHU

\HDUV

\HDUV

\HDUV

\HDUV

-,0 0(<(5

$'$0 0,//(5

-()) 0(<(5

72%< 3/2776

3UHVVPDQ

3UHVVPDQ

3UHVVPDQ

3UHVVPDQ

\HDUV

\HDUV

\HDUV

PRQWKV

0DLOURRP 1RW SLFWXUHG 5,&. 323(5 0DLOURRP 6WDII

\HDUV

-()) =(//1(5

3$0(/$ 3,(5&(

'(%5$ &521.

0$5,$ 6$1'29$/

&$52/<1 5$0(<

9,5*,1,$ &$178

.$7+/((1 )2/.

9$/(5,( :,&+0$11

*(5$/' )5$/(<

/25$,1( /,1(%5,1.

,QVHUWLQJ 0DFK 7HFK

0DLOURRP 6XSHUYLVRU

0DLOURRP 6WDII

0DLOURRP 6WDII

0DLOURRP 6WDII

0DLOURRP 6WDII

0DLOURRP 6WDII

0DLOURRP 6WDII

0DLOURRP 6WDII

0DLOURRP 6WDII

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

\HDUV

7$00< 323(5 0DLOURRP 6WDII

\HDUV

Thank you to our readers and advertisers!


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( %

'D\ DW WKH &UHVFHQW DOZD\V H[FLWLQJ D P ³ 1HZV HGLWRU $O 6PLWK DUULYHV DQG EHJLQV WKH GDLO\ QHZV SURFHVV RI UHYLHZLQJ WKH $VVRFLDWHG 3UHVV DQG RWKHU ZLUH VHUYLFHV DQG WKH ,QWHUQHW IRU VWDWH QDWLRQDO DQG ZRUOG QHZV WKDW ZLOO EH SHUWLQHQW WR &UHVFHQW 1HZV UHDGHUV +H DOVR EHJLQV FUHDWLQJ SDJH RI WKDW GD\·V HGLWLRQ D P ³ (GLWRU 'HQQLV 9DQ 6FRGHU EHJLQV KLV GD\ E\ UHYLHZLQJ WKH VWRULHV UHF RPPHQGHG E\ 6PLWK DQG WKH PDQ\ ORFDO VWRULHV FRQWULE XWHG E\ WKH QHZV VWDII $IWHU FKHFNLQJ RYHUQLJKW QHZV UHOHDVHV D IURQW SDJH VWRU\ DQG SKRWR OLVW IRU WKDW GD\·V HGLWLRQ LV FRPSLOHG 6SRUWV HGLWRU %UXFH +HIIOLQJHU DQG WKH VSRUWV VWDII DOVR DUULYH DQG EHJLQ VHOHFWLQJ WKH GD\·V WRS VSRUWV ZLUH VWRULHV DQG SKRWRV 7KH\ DOVR HGLW VWRULHV DERXW ORFDO KLJK VFKRRO HYHQWV ZULW WHQ WKH SULRU QLJKW E\ WKH HYHQLQJ VSRUWV ZULWLQJ VWDII 3KRWR WHFKQLFLDQ 7RP 6KDIHU EHJLQV SURFHVVLQJ SKRWRV VHOHFWHG E\ WKH HGL WRUV IRU WKDW GD\·V HGLWLRQ 2Q 7XHVGD\V DQG :HGQHVGD\V 6KDIHU DOVR RXWSXWV SDJHV RI YDULRXV ZHHNO\ QHZVSDSHUV IURP WKH DUHD WKDW DUH SULQWHG LQ 7KH &UHVFHQW 1HZV SUHVV URRP 6KDIHU DOVR UDLVHV WKH $PHULFDQ IODJ LQ 7KH &UHVFHQW 1HZV· SDUNLQJ ORW VLJQDOLQJ WKH RIILFLDO VWDUW RI WKH GD\ D P ³ 3URGXFWLRQ PDQDJHU *DU\ 5LFKH\ DQG WKH SUHVV FUHZ UHSRUW IRU ZRUN DQG EHJLQ SUHSDULQJ WKH *RVV RIIVHW SUHVV IRU WKDW GD\·V SULQWLQJ 6SHFLDO DGYHUWLVLQJ VXSSOHPHQWV UHJXODU VHFWLRQV VXFK DV WKH 79 %RRN DQG OLIHVW\OH VHFWLRQ RI WKH 6XQGD\ HGLWLRQ DQG DUHD ZHHNO\ QHZVSDSHUV DUH

SULQWHG DV ZHOO DV WKH GDLO\ HGLWLRQ D P ³ *HQHUDO PDQDJ HU 6WHYH 9DQ'HPDUN PHHWV ZLWK HGLWRUV WR UHYLHZ IURQW SDJH VWRULHV DQG SKRWRV IRU WKDW GD\·V HGLWLRQ DQG GLV FXVV VWRULHV IRU FRPLQJ GD\V D P ³ 7KH UHPDLQGHU RI WKH QHZV VWDII UHSRUWV WR ZRUN DQG EHJLQV WKH SURFHVV RI FDOOLQJ VRXUFHV DQG FKHFN LQJ UHJXODU QHZV RXWOHWV VXFK DV SROLFH DQG ILUH GHSDUW PHQWV :ULWHUV 'DUOHQH 3ULQFH DQG -HQQ\ 'HUULQJHU EHJLQ SUHSDULQJ RELWXDULHV VXEPLWWHG E\ IXQHUDO GLUHF WRUV IRU WKDW GD\·V HGLWLRQ D P ³ 7KH EXVLQHVV RIILFH RSHQV DQG FXVWRPHU VHUYLFH UHSUHVHQWDWLYHV UHSRUW WR ZRUN 7KLV WHDP DQG VXSHUYLVRU %HWW\ /HQW] ZLOO ZRUN ZLWK WKH QHZVSD SHU·V FODVVLILHG DGYHUWLVLQJ DQG FLUFXODWLRQ ZDON LQ FXV WRPHUV DQG WDNH KXQGUHGV RI FDOOV GXULQJ WKH GD\ DVVLVW LQJ FXVWRPHUV ZLWK FODVVLILHG DGYHUWLVHPHQWV VXEVFULSWLRQ RUGHUV DQG JHQHUDO TXHVWLRQV Pressman Jim Meyer moves a roll of newsprint to the DERXW WKH QHZVSDSHU pressroom. The Crescent-News uses nearly 600 tons of D P ³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³ 7KH SUHSUHVV GHSDUWPHQW PDQDJHG E\ %HY 6WDKO KDV QRZ UHSRUWHG WR ZRUN DQG EHJLQV PDNLQJ DQ\ QHFHVVDU\ UHYLVLRQV IRU DGYHUWLVHPHQWV DQG FUHDWLQJ DGYHUWLVHPHQWV IRU IXWXUH GD\V

Pressman Adam Miller checks a pallet of advertising inserts prior to their insertion into the newspaper. Just moments after printed newspapers leave the press Crescent-News mail room staff members insert that day’s advertising preprints. The completed newspapers are then bundled and given to drivers for delivery to stores, news machines and walking route carriers.

D P ³ 3URGXFWLRQ RI WKDW GD\·V HGLWLRQ LV QRZ LQ IXOO VZLQJ 7KH RXWVLGH VDOH UHSUHVHQWDWLYHV EHJLQ HQWHU LQJ WKH ILHOG WR PDNH VDOHV FDOOV FXVWRPHU UHSUHVHQWD WLYHV WDNH FDOOV IURP FODV VLILHG DGYHUWLVHUV DQG VXE VFULEHUV DQG WKH QHZV DQG VSRUWV GHSDUWPHQWV DUH ILQ LVKLQJ VWRULHV DQG FUHDWLQJ SDJHV IRU WKDW GD\·V HGLWLRQ D P ³ :KLOH WKH QHZVURRP DQG SURGXFWLRQ GHSDUWPHQWV DUH SXWWLQJ WKH ILQLVKLQJ WRXFKHV RQ WKDW GD\·V SDSHU RWKHUV EHJLQ WR ZRUN RQ WKH QH[W GD\·V HGL WLRQ /LQGD 5LFNHU DQG *UHJ *REURJJH UHYLHZ D OLVW RI DGV VROG IRU QH[W GD\·V HGLWLRQ DQG GHWHUPLQH KRZ PDQ\ SDJHV ZLOO EH QHHGHG ZKHUH HDFK DGYHUWLVHPHQW ZLOO DSSHDU DQG KRZ PXFK VSDFH ZLOO EH GHYRWHG WR QHZV FRY HUDJH $OO WKH SLHFHV ILW OLNH D SX]]OH DQG WDNH LQWR FRQVLG HUDWLRQ WKH SDJH DQG FRORU

City Editor Todd Helberg finishes a story just minutes before the daily newspaper’s 11:00 a.m. print deadline. Editors and reporters compile nearly the entire news portion of each day’s edition between 6:30 a.m. ad 11:00 a.m.

FDSDELOLWLHV RI WKH SUHVV D P ³ 7KH FLUFXODWLRQ GHSDUWPHQW GLVWULFW PDQ DJHUV UHSRUW WR ZRUN )RXU PDQDJHUV ZRUN ZLWK ZDONLQJ URXWH FDUULHUV DQG LQGHSHQGHQWO\ FRQWUDFWHG PRWRU URXWH GULYHUV %HIRUH HDFK GD\·V SDSHU LV SULQW HG WKH\ FKHFN VHUYLFH HUURU UHSRUWV IURP SULRU GD\ EHJLQ UHFUXLWLQJ FDUULHUV IRU RSHQ URXWHV DQG SODQ VXEVFULSWLRQ VHOOLQJ FDPSDLJQV D P ³ 7KH PRRG LQ WKH SODQW LQWHQVLILHV DV WKH ILQDO GHDGOLQH DSSURDFKHV %\ WKLV WLPH RI WKH PRUQLQJ QHDUO\ DOO SDJHV KDYH EHHQ FRPSOHWHG SURRIHG LPDJHG DQG FRQYHUWHG WR SULQWLQJ SODWHV IRU WKH SUHVV 7KH IURQW SDJH LV WKH ODVW DQG WKH ILQDO VWRU\ LV RIWHQ SODFHG MXVW EHIRUH GHDGOLQH D P ³ 3ULQWLQJ EHJLQV 7KH SUHVV SULQWV QHZV SDSHUV SHU KRXU DQG WKH LQVHUWLQJ PDFKLQH FDQ SODFH HLJKW SUHSULQWV DW RQH WLPH LQWR QHZVSDSHUV SHU KRXU 7KH PDLO URRP VWDII PDNHV VXUH LQVHUWV DUH VHQW WR SURSHU URXWHV DQG WKDW WKH EXQGOH DQG DGGUHVVLQJ SURFHVV ZRUNV HIILFLHQWO\ 2Q PRVW GD\V WKH WDVN RI SULQW LQJ LQVHUWLQJ DQG EXQGOLQJ QHZVSDSHUV LV FRP

SOHWHG E\ S P D P ³ 7KH LQGH SHQGHQW DGXOW FDUULHU IRUFH EHJLQV SLFNLQJ XS QHZVSD SHUV DW SODQW 7KH\ FRYHU URXWHV DQG GULYH QHDUO\ PLOHV GDLO\ WKURXJKRXW WKH VL[ FRXQW\ DUHD 5RXWHV FDQ EH XS WR PLOHV ORQJ DOWKRXJK PRVW DUH VKRUW HU DQG FRPSOHWHG LQ WKUHH KRXUV 7KH GHOLYHU\ GHDGOLQH IRU DOO KRPH GHOLYHULHV LV S P

newsprint each year. Each roll weighs in excess of 500 pounds.

VSRUWV VWDII EHJLQV LWV VKLIW DQG ZULWHV VWRULHV DERXW JDPHV UHSRUWHG E\ DUHD KLJK VFKRRO FRDFKHV :ULWHUV DWWHQG KLJK VFKRRO JDPHV S P ³ 5HFHLYLQJ FOHUN DQG ILOH VWRULHV XSRQ FRPSOH 5LFN 3RSHU XQORDGV RQH RI WLRQ RI WKH HYHQWV WKH PDQ\ WUXFNORDGV RI SUH SULQWHG FLUFXODUV WKDW DUULYH S P ³ (YHQLQJ SKRWRJ DW WKH QHZVSDSHU HDFK ZHHN UDSKHU 7RP %RUQ UHWXUQV DQG ILOHV QHZV SKRWRV WDNHQ DIWHU S P ³ 7KH FXVWRPHU S P VHUYLFH FDOOV TXLFNHQ DV UHS UHVHQWDWLYHV WDNH FDOOV IURP S P ³ 7KH HYHQLQJ VXEVFULEHUV FRQFHUQLQJ DIWHU VSRUWV VWDII FRPSOHWHV ZRUN QRRQ GHOLYHU\ RU FKDQJHV LQ 7KHQ OLJKWV RXW XQWLO 6PLWK·V DUULYDO WKH QH[W PRUQLQJ VXEVFULSWLRQ VWDWXV RU WDNH D EUHDN EHIRUH FRYHU LQJ VFKRRO ERDUG FLW\ JRY HUQPHQW RWKHU HYHQLQJ PHHW LQJV RU QHZVZRUWK\ HYHQWV

S P ³ 7KH EXVLQHVV (GLWRUV QRWH 7KH 6XQGD\ HGLWLRQ LV SULQWHG DW RIILFH FORVHV S P 6DWXUGD\ GXULQJ WKH S P ³ 7KH FLUFXOD VXPPHU DQG D P 6XQGD\ WLRQ FXVWRPHU VHUYLFH UHSUH GXULQJ WKH ZLQWHU $OWKRXJK VHQWDWLYHV DUH DYDLODEOH XQWLO VRPH SDJHV DUH SURGXFHG S P WR UHVROYH DQ\ VHU HDUOLHU LQ WKH ZHHN PRVW RI WKH QHZV DQG SURGXFWLRQ YLFH LVVXHV WKDW P\ DULVH SURFHVV WDNHV SODFH 6DWXUGD\ S P ³ 7KH HYHQLQJ HYHQLQJ

1RRQ ³ %XQGOH GULYHUV EHJLQ GHOLYHULQJ QHZVSDSHUV WR QHZ VWDQGV DQG VWRUHV LQ WKH FLW\ RI 'HILDQFH :DONLQJ URXWHV FDUULHUV DOVR EHJLQ UHFHLYLQJ EXQGOHV IURP GULY HUV :HE SDJH HGLWRU 0DUN )URHOLFK XSGDWHV ZZZ FUHVFHQW QHZV FRP ZLWK WKDW GD\·V ORFDO VWRULHV S P ³ 7KH FLUFXODWLRQ GHSDUWPHQW PRQLWRUV WKH GHOLYHU\ SURFHVV DQG ZRUNV ZLWK FDUULHUV WR SURYLGH FXV WRPHUV WKH EHVW VHUYLFH SRV VLEOH 7KH QHZV VWDII EHJLQV SODQQLQJ VWRULHV IRU QH[W GD\·V HGLWLRQ S P ³ 0DQ\ QHZV VWDII PHPEHUV OHDYH WKH EXLOGLQJ WR FRQGXFW LQWHUYLHZV IRU VWRULHV VKRRW SKRWRJUDSKV

Circulation department member Dennis Sawyer puts newspapers in a Crescent-News news machine. The Crescent-News sells more than 1,600 copies each weekday and more than 3,000 copies on Sundays through machines and in store locations.

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·V SRSX 'XULQJ WKH V 7KH 'DLO\ ODWLRQ JURZLQJ IURP WR 1HZV PHUJHG ZLWK 7KH &UHVFHQW E\ 3ULQWLQJ &RPSDQ\ DQG WKH QHZ FRPSDQ\·V SURGXFW ZDV QDPHG 'XULQJ WKDW \HDUV EHWZHHQ WKH 'HILDQFH 'DLO\ &UHVFHQW ,Q DQG VHYHQ GLIIHUHQW WKDW SDSHU PHUJHG ZLWK QHZVSDSHUV ZHUH SXEOLVKHG LQ WKH (YHQLQJ 1HZV WR EHFRPH 7KH 'HILDQFH 6RPH RI WKRVH SXEOLFD 'HILDQFH &UHVFHQW 1HZV WLRQV ZHUH ZHHNO\ VRPH ZHUH GDLO\ DQG RQH ZDV DFWXDOO\ SULQW 7KDW QHZVSDSHU ZDV SULQWHG LQ HG LQ *HUPDQ ODQJXDJH WR VHUYH D EXLOGLQJ RQ WKH QRUWK VLGH RI WKH 'HILDQFH·V JURZLQJ *HUPDQ SRS SURSHUW\ WKDW LV QRZ KRPH WR WKH XODWLRQ 7KH 6WDWH %DQN·V 0RWRU %DQN RQ :D\QH $YHQXH (DFK RI WKRVH SXEOLFDWLRQV ZDV JHQHUDOO\ WLHG WR D SROLWLFDO SDUW\ ,Q WKH &UHVFHQW 3ULQWLQJ RU SDUWLFXODU FKXUFK GHQRPLQD &RPSDQ\ PHUJHG ZLWK WKH WLRQ DQG QHDUO\ DOO ZHUH SDLG 5HFRUG 3XEOLVKLQJ &RPSDQ\ WR

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·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


3$*( % )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

You can count on us. For respect, for expertise, for answers. Kaitlyn’s Cottage, located on the designed to provide short-term and Defiance Regional Hospital campus, overnight respite care for individuals provides a safe, nurturing getaway with gognitive and physical disabilities.

3UR0HGLFD 'HILDQFH 5HJLRQDO +RVSLWDO·V PLVVLRQ LV WR LPSURYH \RXU KHDOWK DQG ZHOO EHLQJ 3UR0HGLFD·V 0LVVLRQ LV WR LPSURYH \RXU KHDOWK DQG ZHOO EHLQJ 7KDW·V HYLGHQW WKH PLQXWH \RX ZDON WKURXJK WKH GRRUV RI 3UR0HGLFD 'HILDQFH 5HJLRQDO +RVSLWDO 2XU IDFLOLW\ ZDV FRQVWUXFW HG LQ DQG GHVLJQHG WR SURPRWH D KHDOLQJ HQYLURQ PHQW ,W DOVR KDV VWDWH RI WKH DUW WHFKQRORJ\ DQG SUL YDWH URRPV WKDW IHHO OLNH D KRPH DZD\ IURP KRPH :H·UH D FULWLFDO DFFHVV KRVSLWDO DQG DFFUHGLWHG E\ WKH -RLQW &RPPLVVLRQ WKH LQGXVWU\ OHDGHU LQ VHWWLQJ KHDOWKFDUH VWDQGDUGV :H·UH DOVR DQ DFFUHGLWHG &KHVW 3DLQ &HQWHU DQG /HYHO ,,, WUDXPD FHQWHU $W 3UR0HGLFD 'HILDQFH 5HJLRQDO +RVSLWDO ZH·UH GHGLFDWHG WR SURYLGLQJ SDWLHQWV DQG IDPLOLHV ZLWK D SRVLWLYH H[SHULHQFH :LWK D FRPELQDWLRQ RI H[FHOOHQW IDFLOLWLHV DQG VNLOOHG FRP SDVVLRQDWH VWDII ZH VWULYH HYHU\ GD\ WR PHHW WKLV FRP PLWPHQW 7KDQNV WR WKH JHQHURV LW\ RI SHRSOH LQ RXU FRP PXQLW\ ZH DW 3UR0HGLFD 'HILDQFH 5HJLRQDO +RVSLWDO FRQWLQXH WR LPSURYH WKH TXDOLW\ RI FDUH ZH SURYLGH WR RXU SDWLHQWV 2QH VXFK SURMHFW WKDW ZDV PDGH SRV VLEOH WKURXJK WKH JHQHURXV FRQWULEXWLRQV DQG VXSSRUW IURP WKH FRPPXQLW\ ZDV

.DLWO\Q·V &RWWDJH /RFDWHG RQ WKH 'HILDQFH 5HJLRQDO +RVSLWDO FDPSXV .DLWO\Q·V &RWWDJH LV D VDIH DQG QXUWXULQJ FRXQWU\ FRW WDJH JHWDZD\ GHVLJQHG WR SURYLGH VKRUW WHUP DQG RYHUQLJKW UHVSLWH IRU LQGL YLGXDOV ZLWK FRJQLWLYH DQG SK\VLFDO GLVDELOLWLHV DQG WKHLU IDPLOLHV :H FXUUHQWO\ VHUYH LQGLYLGXDOV RI DOO DJHV RQ D FDVH E\ FDVH EDVLV .DLWO\Q·V &RWWDJH RIIHUV D YDULHW\ RI VFKHGXOHG SUR JUDP WLPHV GXULQJ WKH ZHHN DQG RQ WKH ZHHNHQGV WR DFFRPPRGDWH YDU\LQJ UHVSLWH QHHGV 3URJUDPPLQJ FRQVLVWV RI WKUHH KRXU FODVV HV KDOI GD\ VHVVLRQV DV ZHOO DV VRPH HYHQLQJ DQG ZHHN HQG SURJUDPPLQJ *XHVWV ZKR SDUWLFLSDWH LQ GD\ DQG HYHQLQJ SURJUDP DFWLYLWLHV ZLOO H[SHULHQFH HYHU\WKLQJ IURP VLQJ D ORQJV JDPHV DUW SURMHFWV DQG FRRNLQJ LQ RXU NLWFKHQ 7KH VWDII DW .DLWO\Q·V &RWWDJH XQGHUVWDQGV WKDW JURXS DFWLYLWLHV PD\ QRW EH VXLWDEOH IRU DOO JXHVWV DQG ZLOO PDWFK \RXU ORYHG RQH·V LQWHUHVWV DQG DELOLWLHV ZLWK WKH DSSURSULDWH SURJUDP PLQJ 6RPH JXHVWV ZLOO UHTXLUH RQH WR RQH VXSHUYL VLRQ ZKLOH WKH\ DUH ZLWK XV :H DUH DEOH WR SURYLGH WKLV OHYHO RI FDUH VR WKDW WKHVH VSHFLDO JXHVWV ZLOO EH DEOH WR WDNH SDUW LQ DV PXFK SUR

JUDP DFWLYLW\ DV SRVVLEOH )RU VFKHGXOHG RYHUQLJKW UHVSLWH .DLWO\Q·V &RWWDJH KDV IRXU SULYDWH EHGURRPV DQG FDQ DFFRPPRGDWH XS WR IRXU RYHUQLJKW JXHVWV DW RQH WLPH 2YHUQLJKW UHVSLWH VWD\V FDQ EH VFKHGXOHG IRU D ZHHNGD\ HYHQLQJ RU RYHU D ZHHNHQG DQG UDQJH IURP RQH RYHUQLJKW VWD\ XS WR RQH ZHHN 7ZR URRPV KDYH UHJXODU EHGV DQG WZR URRPV KDYH UHVLGHQWLDO HOHFWULF EHGV IRU WKRVH ZKR QHHG DGGLWLRQDO VXSSRUW $OWKRXJK WKH IRFXV RI .DLWO\Q·V &RWWDJH LV WR SUR YLGH VHUYLFHV IRU LQGLYLGX DOV ZLWK VSHFLDO QHHGV ZH DOVR KDYH SURJUDPPLQJ IRU WKH IDPLOLHV DQG FDUHJLYHUV )DPLOLHV DUH HQFRXUDJHG WR SDUWLFLSDWH LQ DFWLYLWLHV ZLWK WKHLU ORYHG RQH DQG WKH UHVW RI WKH IDPLO\ $QG ZKLOH WKHLU ORYHG RQH LV KDYLQJ IXQ FDUHJLYHUV FDQ PHHW ZLWK RWKHU FDUHJLYHUV IRU VRPH QHHGHG DGXOW WLPH WR VKDUH LQIRUPDWLRQ SURYLGH VXSSRUW RU MXVW HQMR\ HDFK RWKHU·V FRPSDQ\ $V D KHDOWKFDUH RUJDQL ]DWLRQ RXU PLVVLRQ LV WR LPSURYH \RXU KHDOWK DQG ZHOO EHLQJ $QG ZH ZLOO FRQWLQXH WR HQKDQFH DQG GLYHUVLI\ WKH VHUYLFHV WKDW ZH SURYLGH VR ZH FDQ EHWWHU PHHW WKH QHHGV RI WKH FRP PXQLW\

Today and always, our physicians, nurses and staff dedicate themselves to improving your health and well-being. No matter what you need, we’re here. To learn more, call or click today.

800-PPG-DOCS

| promedica.org |

© 2012 ProMedica

\HDUV 0LOOLRQV RI GUHDPV )LQG \RXUV KHUH

6,** 5($/7< ,1&

%LOO 6LJJ VDOHV#VLJJUHDOW\ FRP

3DWWL 6LJJ SDWULFLDVLJJ#\DKRR FRP

:KDW DUH WKH WKUHH PRVW LPSRUWDQW ZRUGV LQ UHDO HVWDWH"

)UHG %RNRS

'RQQD %DOGZLQ GRQQD EDOGZLQ# FROGZHOOEDQNHU FRP

'ZLJKW &KDWKDP

$QG\ 6FKZHLW]HU

5HSXWDWLRQ 5HSXWDWLRQ 5HSXWDWLRQ *UHJ %RFN

5HJLQD *RQ]DOH]

3XW 7KH UHSXWDWLRQ RI 'HÀDQFH·V +DUGHVW ZRUNLQJ 5HDO (VWDWH &RPSDQ\ WR ZRUN IRU \RX 1R 2WKHU UHDO HVWDWH FRPSDQ\ LQ 'HÀ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ÀDQFH 2+

6WRS LQ VHH RXU QHZO\ UHPRGHOHG IDFLOLW\

$V D VWDSOH LQ WKH 'HÀDQFH FRPPXQLW\ ZLWK \HDUV RI VWURQJ WLHV WR WKH &LW\ \RX FDQ UHVW DVVXUHG WKDW ZH NQRZ 'HÀDQFH DQG LW·V PDUNHW DV ZHOO RU EHWWHU WKDQ DQ\ RWKHU UHDO HVWDWH FRPSDQ\ LQ WKH DUHD %X\LQJ D QHZ KRPH RU VHOOLQJ \RXU H[LVWLQJ KRPH LV DQ RYHUZKHOPLQJ H[SHULHQFH DQG \RX VKRXOGQ·W WUXVW MXVW DQ\RQH WR KDQGOH \RXU PRYH )RU H[SHUW VHUYLFH FRQWDFW WKH 5HDO (VWDWH H[SHUWV DW &ROGZHOO %DQNHU 6LJJ 5HDOW\ ,QF ,W·V WKH EHVW PRYH \RX·OO HYHU PDNH

9LVLW ZZZ FROGZHOOEDQNHU FRP IRU LQWHULRU H[WHULRU SKRWRV RI DOO OLVWLQJV


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( %

3RVWHPD ,QVXUDQFH DQG ,QYHVWPHQWV //& 6LQFH RSHQLQJ LQ 3RVWHPD ,QVXUDQFH DQG ,QYHVWPHQW·V IRFXV KDV EHHQ WKH FDUH DQG VDWLVIDF WLRQ RI WKH FOLHQW 7KH VORJDQ VD\V LW DOO ´3URWHFWLQJ (YHU\WKLQJ <RX·YH :RUNHG )RU µ ,W·V PRUH WKDQ D PDUNHWLQJ PHVVDJH LW·V D ZD\ RI OLIH 6WDUWLQJ LQ 'HÀDQFH DQG GULYHQ E\ WKH HQHUJ\ RI D \RXQJ EXW GHWHUPLQHG 'HQQLV 3RVWHPD 3, , KDV JURZQ WR RYHU OLFHQVHG DJHQWV LQ ORFDWLRQV 7KDW LPSUHVVLYH JURZWK KDV HQDEOHG WKH 3, , WHDP WR RIIHU WKH VDPH EURDG SURGXFW OLQH DQG OHYHO RI VHU YLFH WKH\ DOZD\V KDYH EXW QRZ PRUH FRQYHQLHQWO\ WKDQ HYHU 'HQQLV DWWULEXWHV WKH FRPSDQ\·V JURZWK WR IRXU NH\ SRLQWV 3HUVRQDO DQG FRPSDQ\ YDOXHV 'LYHUVH SURGXFW OLQH $ IRFXV RQ VDYLQJV IRU WKH FOLHQW +DVVOH IUHH VHUYLFH 7R SXW LW LQ WKH VLPSOHVW WHUPV WKH WHDP DW 3RVWHPD ,QVXUDQFH ,QYHVWPHQWV VWULYHV WR WUHDW FOLHQWV WKH ZD\ WKH\ ZRXOG OLNH WR EH WUHDWHG 'HQQLV OHDUQHG TXLFNO\ WKDW WUXVW LV HDUQHG QRW JLYHQ 7KH SRZHU RI WKLV VLPSOH SKLORVRSK\ LV FOHDUO\ UHÁHFWHG LQ 3, ,·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

WR UHPDLQ WKH SUHIHUUHG RQH VWRS VKRS IRU DOO RI \RXU LQVXUDQFH QHHGV ,Q VSLWH RI FRVW VDYLQJV DQG RWKHU EHQHÀWV 3RVWH PD ,QVXUDQFH ,QYHVWPHQWV NQRZV ZHOO WKDW PDQ\ FRQVXPHUV GUHDG WKH WLPH DQG HIIRUW UHTXLUHG WR VZLWFK LQVXUDQFH DJHQWV :KR KDVQ·W H[SHULHQFHG WKH KDVVOH RI ÀQGLQJ D QHZ DJHQW DQG ÀOOLQJ RXW WKH VHHPLQJO\ HQGOHVV SDSHUZRUN" 5HVW DVVXUHG 3, , KDV WKLQJV FRYHUHG 7KHLU ZHOO WUDLQHG DQG KHOSIXO RIÀFH VWDII LV UHDG\ WR KHOS PDNH \RXU WUDQVLWLRQ DV SDLQOHVV DV SRVVLEOH ,Q DGGLWLRQ DJHQWV LQ DOO VHU YLFH DUHDV DUH DYDLODEOH WR PDNH KRPH YLVLWV DQG RI IHU IUHH FRQVXOWDWLRQV WR KHOS VDYH \RX WLPH $1' PRQH\ ,Q DGGLWLRQ WR KHOSLQJ FOLHQWV ZLWK WKHLU LQVXUDQFH QHHGV 3RVWHPD ,QVXUDQFH DQG ,QYHVWPHQWV WDNHV SULGH LQ WKHLU FRPPXQLW\ LQYROYHPHQW 2ZQHU 'HQ QLV 3RVWHPD ZDV UHFHQWO\ VHOHFWHG IRU WKH 'HÀDQFH &KDPEHU RI &RPPHUFH 8QGHU DZDUG IRU KLV VWURQJ EXVLQHVV HWKLF DQG FRPPLWPHQW WR FRPPX QLW\ LQYROYHPHQW )RU H[DPSOH 3, , VHUYHG DV D FRUSRUDWH VSRQVRU IRU WKLV \HDU·V 'HÀDQFH &RXQW\ :DON WR (QG $O]KHLPHU·V :KLOH WKLV LV MXVW RQH RI VHYHUDO ZRUWK\ FDXVHV WKH DJHQF\ VXSSRUWV WKLV HYHQW KLW SDUWLFXODUO\ FORVH WR KRPH IRU VHYHUDO DJHQWV RIÀFH VWDII DQG FOLHQWV 3RVWHPD ,QVXUDQFH DQG ,QYHVWPHQWV KRSHV WR FRQ WLQXH WKHLU VXFFHVV E\ VWLFNLQJ WR WKH VDPH IRUPXOD WKDW KDV ZRUNHG VR ZHOO WR GDWH *HW WR NQRZ FOLHQWV DV SHRSOH ÀUVW 7UHDW WKHP OLNH \RX ZRXOG ZDQW WR EH WUHDWHG 2IIHU WKHP JUHDW SURGXFWV DQG JUHDW VDY LQJV +HOS WKHP VROYH WKHLU SUREOHPV 0DNH GRLQJ EXVLQHVV DV HDV\ DQG SDLQOHVV DV SRVVLEOH )LQDOO\ ZKHQ \RX VXFFHHG« 5HPHPEHU WR JLYH EDFN ,I \RX DUH LQWHUHVWHG LQ OHDUQLQJ PRUH DERXW 3RVWH PD ,QVXUDQFH ,QYHVWPHQWV RU LQ VSHDNLQJ WR DQ DJHQW DERXW \RXU VSHFLÀF QHHGV LW KDV QHYHU EHHQ HDVLHU &DOO VWRS E\ WKH PDLQ RIÀFH DW %DOWLPRUH 6WUHHW LQ 'HÀDQFH RU YLVLW 3, , RQ WKH ZHE DW ZZZ SRVWHPDLQVXUDQFH FRP 3, , LV DOVR DFWLYH LQ VRFLDO PHGLD PDLQWDLQLQJ D SUHVHQFH RQ ERWK )DFHERRN DQG /LQNHG,Q 5HJX ODU IROORZHUV KDYH FRPH WR WUXVW 3, , DV D UHOLDEOH VRXUFH RI ORFDO DQG QDWLRQDO ÀQDQFLDO QHZV SURGXFW LQIRUPDWLRQ DQG D OLWWOH IXQ WRR

3RVWHPD ,QVXUDQFH ,QYHVWPHQWV ZRXOG OLNH WR FRQJUDWXODWH WKLV \HDUV XQGHU ZLQQHUV

'HQQLV 3RVWHPD DQG -HQ 0DOOHWW ZDONLQJ WR KHOS HQG $O]KHLPHU¶V

3RVWHPD ,QVXUDQFH DQG ,QYHVWPHQWV //& PDLQ RIILFH LQ 'HILDQFH

\UV \UV \UV

6WHYH 9DQ'HPDUN 'HQQLV 3RVWHPD DQG ,VDDF /HH DW WKH XQGHU EDQTXHW

&' 5DWHV PDNLQJ \RX VDG"

&KHFN RXW WKHVH À[HG DQQXLW\ UDWHV

3RVWHPD ,QVXUDQFH ,QYHVWPHQWV //& 6HOHFWHG 7R 2IIHU 7KH +DUWIRUG·V $$53 +RPH DQG $XWR ,QVXUDQFH 3URJUDP $IWHU PHHWLQJ VHYHUDO VRFLDO UHVSRQVLELOLW\ DQG EXVLQHVV UHTXLUHPHQWV 3RVWHPD ,QVXUDQFH ,QYHVWPHQWV //& LV QRZ WKH RQO\ DJHQF\ LQ 1RUWKZHVW 2KLR DXWKRUL]HG WR RIIHU WKH SRSXODU LQVXUDQFH SUR 'HÀDQFH 2KLR ³7KH +DUWIRUG DQQRXQFHG RQ 0D\ WKDW LW LV PDNLQJ LWV DZDUG ZLQ QLQJ $$53 EUDQGHG KRPH DQG DXWR LQVXUDQFH SURJUDP DYDLODEOH WKURXJK 3RVWHPD ,QVXUDQFH ,QYHVWPHQWV //& LQ 'HÀ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

:LWK 3RVWHPD ,QVXUDQFH ,QYHVWPHQWV //& \RX QHYHU KDYH WR ZRQGHU LI \RX DUH JHW WLQJ WKH EHVW UDWH :H KDYH WKH ODUJHVW VHOHFWLRQ RI FDUULHUV LQ 1RUWKZHVW 2KLR RYHU RI WKH QDWLRQ·V WRS FDUULHUV LQFOXGLQJ 7UDYHOHUV 0HW/LIH 3URJUHVVLYH *UDQJH 6DIHFR *0$& +DJHUW\ $OOLHG (QFRPSDVV )RUHPRVW 'RQHJDO DQG PDQ\ PRUH 6WRS LQ DQG JHW D TXRWH ´/LNHµ XV RQ IDFHERRN ZZZ IDFHERRN FRP LQGHPQLI\ GHÀDQFH ZKHUH \RX FDQ JHW UHDO WLPH TXRWHV RU FDOO XV WRGD\ $YHUDJH VDYLQJV <RX KDYH QRWKLQJ WR ORVH EXW $ /27 WR VDYH

3267(0$ ,1685$1&( 85$1&( ,19(670(176 //&

Ħ§ºÉ¾ÇºÂºÃÉ ®ÄÊ ¶ÃĩÉ ¤ÊÉÁ¾Ëºħ ¾È ¶Ë¶¾Á¶·Áº ÃÄÌv

´3URWHFWLQJ (YHU\WKLQJ <RX·YH :RUNHG )RU µ Dz ǯ dz )LQDQFLDO 6WUDWHJLHV (VWDWH 3UHVHUYDWLRQ ,5$ . 5ROORYHUV 0HGLFDUH 6XSSOHPHQWV /RQJ 7HUP &DUH 'HQQLV 0 3RVWHPD

/LIH $FFLGHQW +HDOWK &' 7\SH $QQXLWLHV $XWR +RPH %XVLQHVV

<RX PD\ SXUFKDVH WKLV ERRN DV D SDSHUEDFN RU ( %RRN ,W LV DYDLODEOH DW ZZZ UHWLUHPHQW\RXFDQWRXWOLYH FRP RU \RX FDQ SXUFKDVH LW DW 3RVWHPD ,QVXUDQFH ,QYHVWPHQWV¶ ZHEVLWH ZZZ SRVWHPDLQVXUDQFH FRP <RX PD\ DOVR FDOO RXU RIILFH DW RUVWRS LQ WR SXUFKDVH \RXU FRS\ DW %DOWLPRUH 6WUHHW 'HILDQFH 2+

2ZQHU 3UHVLGHQW

%DOWLPRUH 6W 'HÀDQFH 2KLR 3KRQH )D[ ZZZ SRVWHPDLQVXUDQFH FRP


3$*( % )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

$OO SURFHHGV IURP +DELWDW 5H6WRUH VWD\ LQ ORFDO DUHD

Citizens National Bank offices in Defiance are located on the second floor at 607 W. Third St. While plans for construction of new branch office

are in the works, customers may take advantage of Citizen National Banks online banking services from the convenience of their homes or businesses.

%DQNLQJ ZLWKRXW KDYLQJ WR PDNH WULS WR WKH EDQN &LWL]HQV 1DWLRQDO %DQN·V RQOLQH VHUYLFHV PDNH LW HDV\ 6LQFH &LWL]HQV 1DWLRQDO %DQN &1% RSHQHG D ORDQ SURGXFWLRQ RIILFH LQ GRZQWRZQ 'HILDQFH ZH·YH ZRUNHG ZLWK VHYHUDO FOLHQWV WR HVWDEOLVK ILQDQFLQJ IRU WKHLU EXVLQHVVHV DQG IDUPV 5HFHQWO\ KDYLQJ UHFHLYHG D IXOO EUDQFK OLFHQVH ZH·UH QRZ DOVR DEOH WR RSHQ GHSRVLW DFFRXQWV VXFK DV FKHFNLQJ VDYLQJV DQG PRQH\ PDUNHWV :KLOH D ORW KDV EHHQ SXU FKDVHG DQG ZH DUH SODQ QLQJ RQ EXLOGLQJ D EUDQFK RIILFH LQ WKH QHDU IXWXUH RXU FXUUHQW ORFDWLRQ PD\ QRW VHHP FRQYHQLHQW WR VRPH +RZHYHU ZLWK WKH RQOLQH EDQNLQJ VHUYLFHV &LWL]HQV 1DWLRQDO %DQN SURYLGHV \RX PD\ QRW QHHG WR SK\VLFDOO\ JR WKH EDQN WR FRPSOHWH PRVW RI \RXU ILQDQFLDO WUDQVDFWLRQV $FFRUGLQJ WR %UDG 6SLWQDOH &1% 'HILDQFH &LW\ 3UHVLGHQW ´:H KDYH VHYHUDO FOLHQWV WKDW KDYH WDNHQ DGYDQWDJH RI 2QOLQH IRU %XVLQHVV DQG 0HUFKDQW &DSWXUH LQ RUGHU WR FRP

SOHWH DOO WKHLU EDQNLQJ RQOLQH 7KHVH WZR SURG XFWV FRPELQHG DOORZ \RX WR YLHZ \RXU WUDQVDFWLRQV WUDQVIHU PRQH\ EHWZHHQ DFFRXQWV SD\ \RXU ELOOV PDNH ZLUH WUDQVIHUV FRP SOHWH SD\UROO DQG GHSRVLW FKHFNV ³ DOO IURP \RXU RIILFH 7KH DEVHQFH RI D SK\VLFDO EUDQFK LQ 'HILDQFH KDV QRW GHWHUUHG WKHP LQ WKH OHDVW IURP EDQNLQJ ZLWK XV µ )RU WKRVH ZKRVH EXVL QHVVHV RU IDUPV DUH QRW QHDU D EDQN RQOLQH VHU YLFHV EHFRPH LQYDOXDEOH LQ UHJDUGV WR FRQYHQLHQFH DQG WLPH VDYLQJ $VVRFLDWHG 3ODVWLFV 2IILFH 0DQDJHU 9LFNLH :ROEHU PDQDJHV WKH EXVLQHVV RSHUDWLRQV RI WKLV WKULYLQJ PDQXIDFWXUHU LQ $GD 2KLR DQG DOVR UXQV WKH ORFDO ERZOLQJ DOOH\ LQ WKH HYHQLQJV ´:LWK UXQ QLQJ WZR EXVLQHVVHV RQOLQH EDQNLQJ DOORZV PH WR JHW ZKDW , QHHG WR JHW GRQH DQG VSHQG PRUH WLPH ZLWK P\ IDPLO\ %DQNLQJ LV MXVW D VWHS DZD\ DW P\ GHVN UDWK

HU WKDQ D PLQXWH GULYH , GRQ·W UHPHPEHU WKH ODVW WLPH , DFWXDOO\ VWHSSHG IRRW LQ WKH EDQN µ VKH QRWHV ´2XU EXVLQHVV EDQNLQJ RIILFHUV DUH DOZD\V ZLOOLQJ WR FRPH RXW WR WKH SODFH RI EXVLQHVV VR WKH RZQHUV GRQ·W KDYH WR WDNH WLPH RXW RI WKHLU GD\ WR GLVFXVV EDQNLQJ µ VD\V 6SLWQDOH ´%\ XWLOL]LQJ 2QOLQH IRU %XVLQHVV RXU FXVWRPHUV FDQ NHHS WDEV RQ WKHLU GD\ WR GD\ RSHUDWLRQV IURP ZKHUHYHU WKH\ DUH HYHQ LI WKH\·UH WUDYHOLQJ :H ZDQW WR PDNH EDQNLQJ ZLWK XV FRQYHQLHQW DQG HDV\ VR WKRVH RZQHUV FDQ IRFXV RQ ZKDW WKH\ GR EHVW UXQQLQJ WKHLU EXVLQHVV µ 7R OHDUQ PRUH DERXW &LWL]HQV 1DWLRQDO %DQN DQG WKH RQOLQH VHUYLFHV ZH RIIHU YLVLW RXU ZHEVLWH DW ZZZ FQERKLR FRP 2U FDOO WKH 'HILDQFH RIILFH DQG VSHDN ZLWK EXVLQHVV EDQNLQJ RIIL FHUV %UDG 6SLWQDOH -DVRQ /D%RXQW\ $GDP )ULW] RU 7\ 6KLQJOHGHFNHU DW

$ VWRUH IRU WKH FRPPX QLW\ DQG PDGH SRVVLEOH E\ WKH FRPPXQLW\ WKH +DELWDW IRU +XPDQLW\ RI 1RUWKZHVW 2KLR·V 5H6WRUH LV D WUHDVXUH KXQWHU·V GUHDP 2SHUDWHG E\ YROXQWHHUV WKURXJK WKH +DELWDW IRU +XPDQLW\ RI 'HILDQFH &RXQW\ WKH +DELWDW 5H6WRUH VHOOV VRPH QHZ EXW PRVWO\ JHQWO\ XVHG IXUQL WXUH KRXVHKROG LWHPV DQG KRPH EXLOGLQJ PDWHULDOV ³ VXFK DV SOXPELQJ DQG OLJKWLQJ IL[WXUHV FDELQHWV ZLQGRZV SDLQWLQJ VXS SOLHV FORVHW RUJDQL]HUV DQG YDULRXV RWKHU EXLOGLQJ PDWHULDOV ³ DOO DW DIIRUG DEOH SULFHV ´2QH RI WKH QLFH WKLQJV DERXW RXU ZKROH RUJDQL]D WLRQ LV HYHU\WKLQJ WKDW LV GRQDWHG HYHU\WKLQJ WKDW ZH PDNH IURP WKH 5H6WRUH DQG DOO RI WKH PRQH\ WKDW LV GRQDWHG VWD\V KHUH ORFDOO\ µ H[SODLQHG 7DPP\ .LQNDGH +DELWDW IRU +XPDQLW\ RI 1RUWKZHVW 2KLR·V H[HFX WLYH GLUHFWRU ´1RWKLQJ JRHV RXWVLGH RI RXU RUJDQL ]DWLRQ RU RXU DUHD 6R ZKDW \RX JLYH KHUH VWD\V KHUH ´<RX MXVW QHYHU NQRZ ZKDW \RX·OO ILQG KHUH µ DGGHG .LQNDLG DERXW WKH 5HVWRUH WKDW LV ORFDWHG DW WKH FRUQHU RI :LOOLDPV DQG *URYH VWUHHWV E\ 9HWHUDQV· 0HPRULDO 3DUN /DWW\·V *URYH ´:KDW ZH KDYH LQ WKH VWRUH FKDQJHV HYHU\ VLQ JOH ZHHN DQG LW·V DOO EDVHG RQ ZKDW SHRSOH EULQJ LQ DQG GRQDWH HYHU\ ZHHN µ 7KH 5H6WRUH RIIHUV ´XVHG IXUQLWXUH DW XVHG IXUQLWXUH SULFHV µ DOORZLQJ SHQQ\ ZLVH FRXQW\ UHVLGHQWV WR SXUFKDVH LWHPV IRU WKHLU KRPHV DOO ZKLOH KHOSLQJ 'HILDQFH &RXQW\·V +DELWDW IRU +XPDQLW\ EXLOG KRXVHV IRU FRXQW\ UHVLGHQWV $QG IRU .LQNDLG WKH 5H6WRUH LV DQRWKHU H[DPSOH RI WKH JLY LQJ QDWXUH RI WKH UHVLGHQWV RI 'HILDQFH &RXQW\ ´7KH 5H6WRUH LV DEVR OXWHO\ FRPPXQLW\ UXQ µ H[SODLQHG .LQNDLG ZKR VDLG WKH VWRUH LV DOZD\V ORRNLQJ IRU YROXQWHHUV ´7KHUH DUH 5H6WRUHV DOO RYHU WKH FRXQWU\ %XW KHUH LW·V DPD]LQJ WR VHH WKH JUHDW

New entrance from Williams Street parking lot is open to the public

WKLQJV WKDW RXU FRPPXQLW\ PHPEHUV GRQDWH DQG LW·V DPD]LQJ WR VHH ZKDW SHRSOH FDQ ILQG KHUH ´7KH PRQH\ WKDW FRPHV IURP WKH 5H6WRUH RU DQ\ PRQH\ GRQDWHG WR WKH RUJDQL]DWLRQ JRHV GLUHFWO\ WRZDUG EXLOGLQJ WKH QH[W KRPH µ FRQWLQXHG .LQNDLG ´7KLV EXLOGV KRXVHV IRU SHRSOH LQ RXU FRPPXQLW\ DQG RXU JRDO LV WR EHJLQ EXLOGLQJ WKH QH[W RQH LQ WKH VSULQJ µ 7KH 5H6WRUH LV DOVR UHDG\ WR KDQGOH LWHPV ERWK ODUJH DQG VPDOO DV ZHOO DV WKRVH WKDW FRPH LQ EXON :LWK LWV PRYLQJ YDQ WKH 5H6WRUH·V VWDII ZLOO DOVR FRPH SLFN XS \RXU ODUJH LWHPV DV ZHOO DV PXOWLSOH LWHPV IURP PRYLQJ RU HVWDWH VDOHV 6DLG .LQNDLG ´,I \RX·UH KDYLQJ D PRYLQJ RU HVWDWH VDOH WKLV LV WKH SHUIHFW RSSRUWXQLW\ WR JHW ULG RI VRPH RI WKRVH LWHPV $QG ZLWK WKH XVH RI RXU PRYLQJ WUXFN ZH FDQ KHOS \RX E\ FRPLQJ DQG SLFNLQJ WKRVH LWHPV XS IRU \RX µ %XW WKH 5H6WRUH LVQ·W MXVW DERXW EX\LQJ DQG VHOO LQJ LW·V DOVR DERXW KHOS LQJ DUHD UHVLGHQWV PDNLQJ D KRPH IRU WKHPVHOYHV DQG D XQLTXH LWHP WKDW ZDV UHFHQWO\ GRQDWHG ZLOO KHOS OHDG WKH ZD\ ,Q WKH VSULQJ RI WKH 5H6WRUH UHFHLYHG DQG VROG D ODZQ VKHG QRZ .LQNDLG LV KRSLQJ WKDW VDOH FDQ OHDG WR QRW RQO\ IXWXUH VDOHV EXW D FRPPXQLW\ HGXFDWLRQ WRRO ´)RU WKH QH[W EXLOG ZH KRSH ZH FDQ GR WZR

WKLQJV µ H[SODLQHG .LQNDLG ´7KH ILUVW LV WR VWDUW KROGLQJ FODVVHV KHUH DW WKH 5H6WRUH WR WHDFK SHRSOH KRZ WR EXLOG LQ SDUWLFXODU KRZ WR EXLOG ZDOOV :H FDQ WHDFK WKHP WKDW E\ EXLOGLQJ D VKHG DV SUDFWLFH IRU WKH QH[W EXLOG $QG WKHQ WKH 5H6WRUH FDQ VHOO WKH VKHG DQG SXW WKH SURILWV WRZDUG WKH QH[W EXLOG DV ZHOO ´$ VXFFHVVIXO 5H6WRUH LV DEOH WR KHOS WKH FRPPX QLW\ DQG NHHS WKLQJV RXW RI LWV WKH FRPPXQLW\·V ODQG ILOO µ .LQNDLG VDLG DERXW KHU YLHZ RI ZKDW ZLOO PDNH 'HILDQFH &RXQW\·V 5H6WRUH D VXFFHVV ´DQG WKHQ UH SXU SRVH LWHPV IRU KRPH EXLOG HUV DQG UHPRGHOHUV EXW LW DOO KHOSV EXLOG PRUH KRPHV $QG RXU XOWLPDWH JRDO LV WR EXLOG PRUH WKDQ RQH KRPH D \HDU IRU WKLV FRPPXQLW\ µ 5HJXODU EXVLQHVV KRXUV LQ WKH VXPPHU DUH :HGQHVGD\V IURP D P S P 7KXUVGD\V DQG )ULGD\V IURP D P S P DQG 6DWXUGD\V IURP D P S P :LQWHU KRXUV DUH 7KXUVGD\V DQG )ULGD\V IURP D P S P DQG 6DWXUGD\V IURP D P S P 9LHZ DQ XS WR GDWH LQYHQWRU\ RI WKH 5H6WRUH DW ZZZ GLJJHUVOLVW FRP QZRKLRUHVWRUH RU IRU PRUH LQIRUPDWLRQ RQ WKH 5H6WRUH RI 1RUWKZHVW 2KLR RU KRZ WR JHW LQYROYHG SOHDVH FDOO HPDLO KDEL W D W G H IF R# KD E L W D W G H IF R RUJ RU YLVLW WKHP RQOLQH DW ZZZ KDELWDWGHIFR RUJ RU RQ )DFHERRN

YOUR DISCOUNT HOME IMPROVEMENT STORE

• Low Prices • Open to the Public • Furniture, Appliances and Household Items • Inventory changes weekly based on donations • Proceeds stay in Defiance County to help families in our own community • Donations accepted • Pickup of large items available • Donations are tax deductible • We recycle: computers, printers, fax machines, telephones and more • Volunteer opportunities available

-COMING SOON- USED BOOKS!

'RQDWLRQV PD\ EH GURSSHG RII DW WKH VWRUH GXULQJ UHJXODU EXVLQHVV KRXUV RU FDOO

Sharon DeLong

(SPWF 4U %FmBODF 0) OFX FOUSBODF GSPN 8JMMJBNT 4U QBSLJOH MPU

)PVST 8FE 'SJ BN QN 4BU BN QN Follow us on Diggers List to see new items as they come in.

www.diggerslist.com/nworestore


)RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU 3$*( %

)LOOLQJ +RPHV VHUYHV WKH $USV +DUGZDUH WDNHV GHYHORSPHQWDO\ GLVDEOHG DV SULGH LQ SHUVRQDO VHUYLFH ZHOO DV ZLGHU FRPPXQLW\ 7KH )LOOLQJ +RPHV LQ QRUWKZHVW 2KLR LV RQH RI WKH ODUJHVW SURYLGHUV RI VHUYLFHV IRU FKLOGUHQ DQG DGXOWV ZLWK LQWHOOHFWXDO DQG GHYHORSPHQWDO GLVDELOLWLHV LQ WKH IRXU FRXQW\ DUHD EXW WKHLU VHUYLFH GRHVQ·W VWRS WKHUH 7KH )LOOLQJ +RPHV DOVR SULGHV LWVHOI RQ EHLQJ DEOH WR VHUYH QHHGV ZLWKLQ WKH JUHDWHU FRPPXQLW\ ´%HFDXVH RI RXU IDLWK EDVHG VWUXFWXUH LW LV SDUW RI RXU PLVVLRQ WR ORRN DW WKH FRP PXQLW\ DURXQG XV DQG VHH ZKDW RWKHU VHUYLFHV ZH FDQ SURYLGH WR RWKHUV LQ DGGL WLRQ WR WKRVH ZH VHUYH ZLWK GHYHORSPHQWDO GLVDELOLWLHV µ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´2QH RI WKH WKLQJV ,·YH QRWLFHG LQ P\ \HDUV RI PLQLVWU\ LV WKDW IDPLOLHV RI SHRSOH ZLWK GHYHORSPHQWDO GLVDELOLWLHV RIWHQ GRQ·W ZRUVKLS WRJHWKHU µ H[SODLQHG &KDSODLQ 'HQLVH %URZQ ´2IWHQ WLPHV WKH SHUVRQ ZLWK GHYHORSPHQWDO GLVDELOL WLHV LVQ·W DFFHSWHG LQ D FRQJUHJDWLRQ 6R , ZDQWHG WR SURYLGH DQ RSSRUWXQLW\ IRU WKRVH IDPLOLHV WR ZRUVKLS WRJHWKHU µ 2Q WKH ILUVW :HGQHVGD\ RI HYHU\ PRQWK EHJLQQLQJ DW S P WKH )LOOLQJ +RPHV KROGV D VHUYLFH LQ WKH DJHQF\ FKDSHO RSHQ WR DQ\RQH ZLWK GHYHORSPHQWDO GLVDELOLWLHV DQG WKHLU IDPLOLHV WR ZRUVKLS WRJHWKHU ´,W·V YHU\ IXQ µ VDLG %URZQ RI WKH VHU YLFH ´,W·V YHU\ SDUWLFLSDWRU\ 3HRSOH DUH DOORZHG DQG HQFRXUDJHG WR DVN DQG DQVZHU TXHVWLRQV :H KDYH D ORW RI IXQ EXW ZH VWLOO WDON DERXW KRZ *RG·V ORYH WRXFKHV XV LQ VR PDQ\ ZD\V µ $GGLWLRQDOO\ WKH )LOOLQJ +RPHV· DGXOW GD\ SURJUDP ZKLFK DLPV WR LQYROYH LQGL YLGXDOV ZLWK '' DW WKHLU KLJKHVW OHYHO RI DELOLW\ DOORZV WKRVH LQGLYLGXDOV WR DOVR JLYH EDFN WR WKHLU FRPPXQLW\ ´:H VKUHG QHZVSDSHU DQG WKHQ JLYH LW WR WKH +HQU\ &RXQW\ +XPDQH 6RFLHW\

WR XVH IRU EHGGLQJ µ H[SODLQHG 7RQL /DQ]HU KDELOLWDWLRQ VHUYLFH DGPLQLVWUDWRU ´:H DOVR H[SDQGHG RXU VRFLDO HQWHUSULVH SURJUDP E\ DGGLQJ WKH SURGXFWLRQ RI KRPHPDGH GRJ WUHDWV WR RXU IXOO OLQH RI KDQGPDGH WRWH EDJV DQG RWKHU LQGLYLGX DOO\ GHVLJQHG LWHPV RI PHUFKDQGLVH WKDW DUH DYDLODEOH IRU SXUFKDVH WKURXJK WKH 6RDULQJ $UWV 6WXGLR µ 7KH )LOOLQJ +RPHV DOVR UHDFKHG RXW WR WKH FRPPXQLW\ E\ GHYHORSLQJ D SORW FRPPXQLW\ JDUGHQ WKLV \HDU WKURXJK DVVLVWDQFH RI D JUDQW WKURXJK WKH :DO 0DUW )RXQGDWLRQ·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´2XU IDFLOLWLHV DUH SULPDULO\ XVHG E\ RXU UHVLGHQWV KHUH DW WKH )LOOLQJ +RPHV EXW RWKHU RUJDQL]DWLRQV DUH ZHOFRPHG DV ZHOO µ H[SODLQHG 6DUDK -DFNVRQ FR ZHOO QHVV FRRUGLQDWRU DORQJ ZLWK -XOLH +DUULV 7KH J\P FDQ EH UHQWHG RXW IRU D QRPLQDO IHH DQG PHPEHUVKLS SDFNDJHV DUH DYDLO DEOH IRU WKRVH ZKR ZLVK WR XVH WKH SRRO DQG ILWQHVV FHQWHU ´:H·YH UHQWHG LW RXW IRU %R\ DQG *LUO 6FRXW HYHQWV JUDGXDWLRQ SDUWLHV VKRZHUV DQG EDQTXHWV µ VDLG -DFNVRQ ,QGLYLGXDOV FDQ SXUFKDVH D PHPEHUVKLS WR XVH WKH )LOOLQJ +RPHV WKHUDS\ SRRO DQG ILWQHVV URRP ZKLFK IHDWXUHV IUHH ZHLJKWV EHQFK SUHVVHV WUHDGPLOOV DQG HOOLSWLFDO 2YHU WKH SDVW WKUHH \HDUV WKH )LOOLQJ +RPHV KDV KDG QHDUO\ FRPPXQLW\ PHPEHUVKLSV SXUFKDVHG ´+XQGUHGV RI SHRSOH KDYH EHQHILWWHG IURP WKH XVH RI RXU IDFLOLWLHV LQ DGGL WLRQ WR WKH QXPHURXV SHRSOH ZKR KDYH FRPH WKURXJK RXU GRRUV IRU RWKHU HYHQWV µ DGGHG +DUULV )RU IXUWKHU LQIRUPDWLRQ RQ WKH PDQ\ VHUYLFHV SURYLGHG E\ )LOOLQJ +RPHV RU DERXW WKH XVH RI LWV IDFLOLWLHV \RX FDQ FDOO WKH PDLQ QXPEHU DW RU JR WR WKH ZHEVLWH DW ZZZ ILOOLQJKRPH RUJ

$USV +DUGZDUH KDV EHHQ WKH 'HILDQFH DUHD·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·V EHVW SODFH WR SXU

FKDVH ODZQ HTXLSPHQW LQ 7KH &UHVFHQW 1HZV· DQQXDO 5HDGHUV &KRLFH $ZDUGV ,Q DGGLWLRQ WR EHLQJ D IXOO VHUYLFH 6LPSOLFLW\ GHDOHU $USV DOVR FDUULHV 07' DQG 6QDSSHU ZDON EHKLQG PRZHUV DV ZHOO DV (FKR FKDLQ VDZV JUDVV WULPPHUV DQG OHDI EORZHUV $USV DOVR LV QRZ SURXG WR RIIHU $UURZ 6WRUDJH EXLOG LQJV :KHWKHU \RX QHHG D SODFH WR VWRUH \RXU JDUGHQ WRROV PDFKLQHU\ RU WKH NLGV· WR\V $UURZ 6WRUDJH VKHGV FDQ KHOS \RX RUJD QL]H DQG GHFOXWWHU \RXU VSDFH &RQVWUXFWHG RI JDO YDQL]HG VWHHO WKH VWUXF WXUHV DUH GXUDEOH \HW HDV\ WR DVVHPEOH DQG DIIRUGDEOH $USV +DUGZDUH LV RSHQ 0RQGD\ WKURXJK 6DWXUGD\ IURP D P S P DQG 6XQGD\ IURP D P S P 7KH VWRUH FDQ EH UHDFKHG DW

Sales associate Jessica Branham products available at Arps Hardware. show the complete line of Valspar paint

The Best Outdoor Power Equipment Money Can Buy!

VOTED BEST OF THE REGION!

OUTDOOR EQUIPMENT

FF +DQGKHOG %ORZHU XJUI J TUBSUFS 1SPGFTTJPOBM GFBUVSFT XJUI /RZ 1RLVH 3HUIRUPDQFH

$ &RPPXQLW\ RI &DUH DQG 6XSSRUW DVVLVWLQJ FKLOGUHQ DQG DGXOWV ZLWK 'HYHORSPHQWDO 'LVDELOLWLHV WR OLYH WKHLU SRWHQWLDO

3% 3PVOE QJQFT BMTP JODMVEFE

FF 7RS +DQGOH &KDLQ 6DZ 5IF QFSGFDU DIPJDF GPS EFNBOEJOH VTFST BOE QSPGFTTJPOBM BSCPSJTUT

&6

FF &KDLQ 6DZ *ODSFBTFE UPSRVF BOE GVFM FGmDJFODZþ 5HGXFHG HPLVVLRQV

&6

Ready for Winter? Get your snow-thrower at Arps!

‘Tis the

Season &+5,670$6 '(&25$7,216 t 5SFFT UP t -JHIUT JOEPPS PVUEPPS

t -JHIUFE (BSMBOE 8SFBUIT t -JWF 3PQJOH 8SFBUIT

81,48( *,)76 t /PWFMUZ .BJMCPYFT t 4DISBEF 1PDLFU ,OJWFT t )PVTFIPME "QQMJBODFT t 5PPMTþ 5PPMTþ 5PPMTþ t 1PXFS &RVJQNFOU

Live Trees & Greenery Coming Mid-November *G ZPV DBO U mOE JU $PNF UP 3+21( 6 &OLQWRQ 6W 'HÀDQFH 2KLR +RXUV D P WR S P 0RQ 6DW D P WR S P 6XQ


3$*( % )RFXV (GLWLRQ 7KH &UHVFHQW 1HZV 'HILDQFH 2KLR 6XQGD\ 6HSWHPEHU

THANK YOU CRESCENT-NEWS READERS!

Thanks to The Laurels staff for their hard work and commitment in helping us being voted Back to Back to Back Best in the Region! We are proud to be voted the BEST Skilled Nursing/Rehab Center in the region 3 years in a row! 7ZR \HDUV LQ D URZ 7KH /DXUHOV KDV EHHQ YRWHG ´%HVW LQ WKH 5HJLRQÂľ LQ WKH QXUVLQJ KRPH FDWHJRU\ 7KLV \HDU WKH UHVXOWV DJDLQ VKRZHG 7KH /DXUHOV RI 'HĂ€DQFH ´%HVW LQ 5HJLRQ Âľ EXW $VVLVWHG /LYLQJ ZDV LQFOXGHG 7KH /DXUHOV RI 'HĂ€DQFH LV D 6NLOOHG 1XUVLQJ )DFLOLW\ 61) DQG 5HKDELOLWDWLRQ &HQWHU EXW $VVLVWHG /LYLQJ LV 127 D VNLOOHG QXUVLQJ UHKDE FHQWHU

• The Laurels goal is to return our short term guest to THEIR HOME! • At The Laurels, you can use your medicare benefits, and KEEP your hard earned money. No yearly contract expected. • At The Laurels, no matter how much help you need no extra charge is added. Registered Nurse (RN) coverage 24/7, actually in the builing • At The Laurels, aggressive therapy is available up to 3 hrs/day, up to 7 days/week, out-patient therapy and in-home therapy also available, ALL provided by Laurel therapists.

,W¡V $// DERXW <28 DW 7KH /DXUHOV RI 'HĂ€DQFH

/ $85(/6 7+(

2

)

'

( ) , $ 1 & (

$ 6NLOOHG 1XUVLQJ DQG 5HKDELOLWDWLRQ &HQWHU

6 -HIIHUVRQ $YH 'HĂ€DQFH 2+


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.