plaques will be given for all the overall winners of the male and female divisions and awards will be presented to the first place of each age group. The overall winner will not be the age group winner. Participants and spectators will enjoy pre and post race music along with

race participants receiving post race refreshments and snacks. Additional information and mail-in forms or online registration and payment are available from the event’s website www.onturfsports.com/Runners/10k-5kRun-Walk.htm and at the Fort Wayne Track Club website at http://www.fwtc.org/race-list.html. Registrations are currently being accepted by mail or online and race day registrations will be available at the start/finish line until an hour before the event.

Be sure to watch for Bippus State Bank’s float in the Huntington Heritage Days parade on Saturday, June 20th at 10am. This year’s theme is “Broadcasting the 1930s.” We are also sponsoring a hot air balloon ride later that evening during the Hot Air Balloon Festival at

BSB in the Community

Thank you to those small businesses who joined us for

our 3rd Annual Small Business Symposium in February. We hope you were able to take away some valuable information for the success of your business.

On March 8th, ten BSB employees participated in the Big Brothers Big Sisters Bowl For Kids’ Sake fundraiser. Our team members were able to raise approximately $700 for the organization.

Partially sponsored by Bippus State Bank, the 6th Annual Discover Roanoke race will be held on Saturday, April 18th in downtown Roanoke. The event, benefiting the Roanoke Elementary School PTO, is open to participants of all ages. 10K, 5K, and 1 mile courses are available. The race begins in beautiful downtown Roanoke with a 9am start for the 10K and 5K and a 9:05am start for the 1 mile event. All race participants will have chip timing. First place

Building relationships. Strong roots. Better banking.

BUZZTHE

What’s new at BSB?Bippus State Bank would like to welcome our newest employees, Cassie Odquist and Brianna Crider! A lifelong native of Huntington, Cassie graduated from HNHS in 2012 with an Academic Honors Diploma and is currently attending Ivy Tech working toward a degree in Office Administration. She has five years of previous customer service experience. Cassie has joined BSB’s Main Office as a part-time teller. Brianna also grew up in Huntington and graduated from HNHS in 2012. She currently works part-time at Menards. Brianna joined our Roanoke Office as a part-time teller. Welcome, Cassie and Bri!

Bippus State Bank

Huntington Main Office150 Hauenstein Road, PO Box 1148

Huntington, IN 46750T: 260.356.8900F: 260.356.8787

Huntington South Office1303 S Jefferson StreetHuntington, IN 46750

T: 260.356.8800 F: 260.356.9500

Roanoke Office577 Geiger Drive, Ste A

Roanoke, IN 46783T: 260.672.2265F: 260.672.9500

North Manchester Office106 West Street

North Manchester, IN 46962T: 260.982.6200F: 260.982.6233

T: 877.653.8900www.bippusbank.com

20152nd Quarter

April • May • June

Fraud Prevention TipAfter accessing your accounts via online banking or mobile banking, always be sure to completely logout of your banking session.

www.facebook.com/bippusbank

Bowl for Kids’ Sake

Building relationships. Strong roots. Better banking.

PRODUCT PEEKMobile Banking with Mobile Deposit

With Bippus State Bank’s Mobile Banking, you can easily bank while you’re on the go! The app is free to download and offers quick access for managing your bank accounts from your web-enabled mobile device.

Features include:• Ability to check account balances • Pay Bills• Transfer funds between accounts • Manage mobile alerts• View recent transactions • Locate BSB offices

• Deposit checks from your mobile device and ATMs

Depositing a check has never been easier! Our free Mobile Deposit feature allows our customers to deposit checks via smartphone from any location with an internet connection.

2ND QUARTER CALENDAR

APRIL

April 5th: Easter

April 22nd: Earth Day If you haven’t already, now would be a great

time to sign up for e-statements!

MAY

May 10th: Mother’s Day

May 25th: Memorial Day All BSB offices will be closed. The Main Office lobby will be closed on Saturday, May 23rd with all drive ups being open

regular Saturday hours.

JUNE

June 21st: Father’s DayEMPLOYEE SPOTLIGHT

Gaye KrumanakerGaye has been employed at BSB for four years. She works at our Main Office in Computer Operations. Gaye enjoys gardening, taking walks, antique shopping, watching movies, and spending time with her five grandchildren. Her first full time job was as a Monorail Driver at Walt Disney World. “I get to talk with many of our customers on the phone and enjoy getting to know them. There’s a real community spirit at BSB - it’s great being a part of it.”

Huntington North High School.

Budgeting

Here are some important points to keep in mind as you build your budget and identify what goes into your income and expenses.

• Overestimate your expenses.• Underestimate your income.• Involve your family in the budget planning process.• Prepare for the unexpected by setting saving goals to build your emergency fund.• Include “Savings” as a recurring expense item in your monthly budget. Small amounts that you put away each month do add up.

Differentiate Between Needs and Wants

• Start by making a list of things you would like to save up for and identify whether each item is something you absolutely need or is really a want. If you decide you want something, ask yourself if, in a month, you will still be happy you bought the item.• Prioritize each item on the list and determine whether you should incorporate each item into your budget.

Manage Your Budget

Keeping track of all of your spending may seem like a lot of work; but if you’re organized, keep good records, and use some of the following tips, you’ll find it’s easier than you may think.

• Record your actual expenses no matter how small the expenditure.• Organize your records.• Create a routine to manage your money on a regular basis.• Include a category in your budget called “Unusual” for items that do not fit neatly into one category.• Review your spending for little items that add up to big monthly expenditures.• Comparison shop in attempt to get the best prices and best value.• Use credit cards wisely.• Don’t spend more on your credit card than you can afford to pay in full on a monthly basis.

Expect the Unexpected

Your emergency fund should be used for expenses that fall outside the categories of annual and periodic bills. Unexpected expenses are the result of life events such as job loss, illness, or car repairs. Redefine your notion of “unexpected” bills to encompass these unforeseen events rather than more common but infrequent expenses. The good news is that if you do not use your emergency fund, you will have savings - which should always be a priority when managing your finances.

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