FDIC Insured

Page 1

#12 In My Computer

FDIC Insured Michael Mandiberg


Michael Mandiberg FDIC Insured Publisher: LINK Editions, Brescia 2016 www.linkartcenter.eu Produced in the frame of Masters&Servers

In collaboration with: Abandon Normal Devices, Liverpool

This project has been funded with support from the European Commission. This publication reflects the views only of the author, and the Commission cannot be held responsible for any use which may be made of the information contained therein.

Produced with funding and support from Eyebeam, and the College of Staten Island/CUNY. Production assistance for FDIC Insured book, web archive, and installation from Jenna Cozzolino, Patrick Davison, Katya Grokhovsky, Anna Harsanyi, Clara Jo, Kubo, Ben Lerchin, Qimei Luo, Chigozie Okoye, Arsen Perisic, Taehee Whang and Christopher Willauer This work is licensed under the Creative Commons Attribution-NonCommercial-ShareAlike 3.0 Unported License. To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-sa/3.0/ or send a letter to Creative Commons, 171 Second Street, Suite 300, San Francisco, California, 94105, USA. Printed and distributed by: Lulu.com www.lulu.com ISBN 978-1-326-65189-3


Michael Mandiberg is an interdisciplinary artist whose work traces the lines of political and symbolic power online, working on the Internet in order to comment on and or intercede in the real and poetic flows of information. He sold all of his possessions online on Shop Mandiberg, made perfect copies of copies on AfterSherrieLevine. com, created Firefox plugins that highlight the real environmental costs of a global economy on TheRealCosts.com, and transformed all of Wikipedia into books for Print Wikipedia. He is co-author of Digital Foundations and Collaborative Futures, as well as the editor of The Social Media Reader. He founded the New York Arts Practicum, and co-founded the Art+Feminism Wikipedia Editathon. A recipient of residencies and commissions from Eyebeam, Rhizome.org, The Banff Centre, and Turbulence.org, his work has been exhibited at the New Museum, Ars Electronica, ZKM, and Transmediale. His work has been written about widely, including Artforum, Art in America, ARTnews, The New York Times, and The Wall Street Journal. A former Senior Fellow at Eyebeam, he is currently Associate Professor at the College of Staten Island/CUNY and a member of the Doctoral Faculty at the CUNY Graduate Center. He lives in, and rides his bicycle around, Brooklyn. His work lives at http://mandiberg.com/



Editor’s Note In 1933, in response to the thousands of bank failures that occurred in the 1920s and early 1930s, the Federal Deposit Insurance Corporation (FDIC) was founded as an independent agency of the federal government of the United States. The FDIC “preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions for at least $250,000; by identifying, monitoring and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank or thrift institution fails.� [1] A result of the Great Depression, the FDIC served as a fundamental yet primarily invisible helping hand during the Great Recession, the period of general economic decline experienced by the world markets in the late 2000s, and caused by the financial crisis and the subprime mortgage crisis started at the end of 2007. The first major bank to go bankrupt was, in July 2008, the Southern California-based IndyMac Bank. In the following months, 24 more banks became insolvent and were taken over by the FDIC by the end of 2008. According to the FDIC statistics, 140 institutions failed during 2009; 157 during 2010; 92 during 2011; 51 during 2012; 24 during 2013; 18 during 2014 and 8 during 2015 - a number within the average in times of stable economy. [2] As of March 2013, the FDIC had to pay out $92.5 billion to cover losses on bad loans at 471 failed financial institutions. [3] Starting in 2008, Brooklyn-based artist Michael Mandiberg has been following this ongoing process, monitoring the weekly updates to the FDIC Failed Bank List, [4] and saving on his hard drive the logos of 500+ banks that have been seized by the FDIC. This information is, of course, transparent, but in a slightly opaque way. The FDIC publishes statistics and, digging through reports, press releases, economic v


news and Wikipedia entries, one could probably recover it someway. And yet, availability of information does not necessarily mean transparency. As Mandiberg noticed, the process of taking over a bank takes place silently, quickly, over a weekend, and ends up in the almost complete disappearance of its corporate image. But if a tree falls in a forest and no one is around to hear it, does it make a sound? The process goes like this: “At the end of business on Friday the team from the FDIC descends on the failed bank. The team performs a massive autopsy of the bank. On the one hand, the FDIC team ensure continuity by accounting for all funds and moving all accounts so that the bank can open on Monday morning. On the other hand, this team cuts all links to the past, removing all visual traces of the old failed bank. When the bank opens on Monday, it opens under the name of a formal rival bank, with this new bank’s signage, and its logo.� [5] FDIC Insured is a project consisting of an installation, an online archive, and a book. The installation, first presented in 2010, features cast-off investment guidebooks, the logos of the failed banks burned with a laser cutter into their covers. The online archive and the book make all the logos available. The overall project is a monumental attempt to collect, preserve, restore and display the corporate visual identity of these ephemeral, volatile subjects, and to build a memorial to this history of failure, and its consequences: hundreds of failed institutions, huge amounts of lost money, and thousands of people without a job. As such, FDIC Insured is, at first, an effort to bring to full visibility what is hidden: an attempt to visualize the Great Recession, to make this story not just visible, but also tangible and palpable. 527 is just a number, but an installation of 527 books, or a book with 527 pages, is something we can measure, and that gives the feeling of what

vi


went lost. This effort to visualize becomes more meaningful, and more ethically valuable, if we consider that what was concealed, along this “transparent” process, was exactly the visual representation of the disappeared subjects, what makes them immediately recognizable: their logo. When a bank fails, Mandiberg notes, its “website is taken down, and replaced with a standardized page announcing the FDIC transfer; this page has only the isolated logo of the old failed bank and the logo of the new receiving bank. The longest this page stays up for 6 to 9 months before the domain registration runs out and a cyber-squatter squats the URL, but typically they are gone in a month. In fact, it is common to see the receiving bank insert meddling/malicious javascript into the site that automatically sends you to the new receiving bank’s website, circumventing the FDIC notice page, and further erasing the old logo. These logos disappear from our memory, they disappear from the clutter of the visual landscape, they are erased from the Internet and its many archives.” [6] Bank logos disappear not just in order to make the transition seamless and the intervention of the state less visible, but also because, according to Mandiberg, as trans-cultural markers of omnipresent and omnipotent trust and stability, they can’t be, by any means, associated with failure. Their failure would mean the failure of the liberal capitalistic system they visualize and embody. They have to be hidden, as well as, for the very same reasons, the activity of the FDIC should be as invisible as possible. In the free market ideology, the state should leave the market free to regulate itself, such that any state intervention is perceived as an attempt to control and set a limit to freedom. In this perspective, an institution that was founded to save the financial system when it is collapsing onto itself is seen as a necessary evil, that should be preserved, but kept unseen. By putting the FDIC under a spotlight, and saving and restoring these icons of failure, FDIC Insured questions late capitalism and offers a small act of resistance

vii


against its ability to resurrect from its own ashes. Finally, the carefulness and craft with which Mandiberg redrew and restored the bank logos, from the original low res jpgs, gifs and pngs to print ready vector graphics, comments on the impermanence of the digital, and on the need to focus on its preservation and materialization, in whatever form. The history of the present is stored in bits, and may easily be lost. _ Domenico Quaranta Brescia, May 2016

Notes [1] Cf. “Who is the FDIC?”, https://www.fdic.gov/about/learn/symbol/. [2] Cf. https://www.fdic.gov/bank/statistical/stats/2015dec/fdic.pdf. [3] Cf. E. Scott Reckard, “In major policy shift, scores of FDIC settlements go unannounced”, in Los Angeles Times, March 11, 2013, online at http://articles.latimes. com/2013/mar/11/business/la-fi-fdic-settlements-20130311. [4] Cf. https://www.fdic.gov/bank/individual/failed/banklist.html. [5] Michael Mandiberg, “Artist statement”, unpublished. [6] Ibidem.

viii


ix



February 2, 2007

1


September 28, 2007

2


Miami Valley Bank

October 4, 2007

3


January 25, 2008

4


March 7, 2008

5


March 16, 2008

6


May 9, 2008

7


May 30, 2008

8


July 11, 2008

9


1 st

HERITAGE BANK

July 25, 2008

10


July 25, 2008

11


August 1, 2008

12


August 22, 2008

13


INTEGRITY BANK August 29, 2008

14


September 5, 2008

15


September 6, 2008

16


September 6, 2008

17


September 14, 2008

18


September 15, 2008

19


September 16, 2008

20


it’s all about relationships

September 19, 2008

21


September 25, 2008

22


October 10, 2008

23


October 10, 2008

24


October 24, 2008

25


October 31, 2008

November 7, 2008

26-27


SECURITY PACIFIC BANK November 7, 2008

Community Bank November 21, 2008

28-29


November 21, 2008

30


DOWNEY SAVINGS The Friendlier, Easier Place to Bank

November 21, 2008

31


December 5, 2008

32


December 12, 2008

33


HAVEN TRUSTBANK FLORIDA

December 12, 2008

34


January 16, 2009

35


BANK Clark County

January 16, 2009

36


January 23, 2009

37


January 30, 2009

38


SAVINGS BANK

January 30, 2009

39


January 30, 2009

40


February 6, 2009

41


February 6, 2009

42


February 6, 2009

43


of Oregon

February 13, 2009

44


February 13, 2009

45


February 13, 2009

46


February 13, 2009

47


February 20, 2009

48


SECURITY S AV I N G S

BA N K

February 27, 2009

49


February 27, 2009

50


March 6, 2009

51


March 20, 2009

52


March 20, 2009

53


March 20, 2009

54


Omni SM

March 27, 2009

55


NEW FRONTIER BANK

˝A NEW GENERATION OF BANKING˝

April 10, 2009

56


We Grow Together

April 10, 2009

57


Great Basin Bank of Nevada

April 17, 2009

58


April 17, 2009

59


F IRST BA N K of IDAHO

April 24, 2009

60


FIRST BANK OF BEVERLY HILLS

April 24, 2009

61


April 24, 2009

62


American Southern B A N K

April 24, 2009

63


May 1, 2009

64


May 1, 2009

65


SILVERTON BANK

May 1, 2009

66


WESTSOUND BANK

May 8, 2009

67


May 21, 2009

68


May 21, 2009

69


May 21, 2009

70


BANK OF LINCOLNWOOD

June 5, 2009

71


June 19, 2009

72


June 19, 2009

73


June 19, 2009

74


June 26, 2009

75


June 26, 2009

76


June 26, 2009

77


June 26, 2009

78


CB

June 26, 2009

79


B

July 2, 2009

80

A

N

K


July 2, 2009

81


July 2, 2009

82


July 2, 2009

83


July 2, 2009

84


July 2, 2009

85


July 2, 2009

July 10, 2009

86-87


July 17, 2009

July 17, 2009

88-89


July 17, 2009

90


July 17, 2009

91


July 24, 2009

92


July 24, 2009

93-97


First

BankAmericano

July 31, 2009

98


July 31, 2009

99


July 31, 2009

100


July 31, 2009

101


First State Bank of Altus

July 31, 2009

102


August 7, 2009

103


1 August 7, 2009

104


August 7, 2009

105


COMMUNITY BANK O F

N E V A D A

August 14, 2009

106


COMMUNITY BANK O F

A R I Z O N A

August 14, 2009

107


August 14, 2009

108


August 14, 2009

109


August 14, 2009

110


BANK

August 21, 2009

111


August 21, 2009

112


August 21, 2009

113


August 21, 2009

114


August 28, 2009

115


August 28, 2009

116


Mainstreet Bank

August 28, 2009

117


September 4, 2009

118


First Bank September 4, 2009

119


It’s that simple.

September 4, 2009

120


September 4, 2009

121


Pt

September 4, 2009

122


September 11, 2009

123


BANK

September 11, 2009

124


September 11, 2009

125


September 18, 2009

126-128


September 25, 2009

129


October 2, 2009

130


October 2, 2009

131


WARREN BANK

October 2, 2009

132


October 16, 2009

133


October 23, 2009

134


October 23, 2009

135


October 23, 2009

136


October 23, 2009

137


October 23, 2009

138


October 23, 2009

139


October 23, 2009

140


October 30, 2009

141


October 30, 2009

142


October 30, 2009

143


October 30, 2009

144


October 30, 2009

145


October 30, 2009

146


October 30, 2009

147


October 30, 2009

148


October 30, 2009

149


HOME FEDERAL SAVINGS BANK November 6, 2009

OF S T

.

L OUI S

November 6, 2009

150-151


November 6, 2009

November 6, 2009

152-153


November 6, 2009

154


November 13, 2009

155


November 13, 2009

156


November 13, 2009

157


November 20, 2009

158


December 4, 2009

159


December 4, 2009

160


December 4, 2009

161


December 4, 2009

162


December 4, 2009

163


December 4, 2009

164


December 11, 2009

165


December 11, 2009

166


December 11, 2009

167


December 18, 2009

168


December 18, 2009

169


December 18, 2009

170


December 18, 2009

171


December 18, 2009

172


December 18, 2009

173


coMME R cIA L

BAN K

December 18, 2009

174


January 8, 2010

175


January 15, 2010

176


January 15, 2010

177


January 15, 2010

178


January 22, 2010

179


January 22, 2010

180


January 22, 2010

181


January 22, 2010

182


January 22, 2010

183


January 29, 2010

184


January 29, 2010

185


January 29, 2010

January 29, 2010

186-187


January 29, 2010

January 29, 2010

188-189


February 5, 2010

190


February 19, 2010

191


February 19, 2010

192


February 19, 2010

193


February 19, 2010

194


February 26, 2010

195


February 26, 2010

196


March 5, 2010

197


March 5, 2010

198


March 5, 2010

199


SUN AMER ICAN BANK

March 5, 2010

200


March 11, 2010

201


March 12, 2010

202


March 12, 2010

203


March 12, 2010

204


March 19, 2010

205


March 19, 2010

206


March 19, 2010

207


March 19, 2010

208


March 19, 2010

209


March 19, 2010

210


March 19, 2010

211


March 26, 2010

212


March 26, 2010

213


March 26, 2010

214


March 26, 2010

215


April 9, 2010

216


April 16, 2010

217


April 16, 2010

218


April 16, 2010

219


April 16, 2010

220


April 16, 2010

221


April 16, 2010

222


April 16, 2010

223


April 16, 2010

April 23, 2010

224-225


April 23, 2010

April 23, 2010

226-227


April 23, 2010

228


April 23, 2010

229


April 23, 2010

230


April 23, 2010

231


April 30, 2010

232


April 30, 2010

233


April 30, 2010

234


April 30, 2010

235


April 30, 2010

April 30, 2010

236-237


April 30, 2010

May 7, 2010

238-239


May 7, 2010

240


May 7, 2010

241


May 7, 2010

242


THE BANK WHERE YOU BELONG

May 14, 2010

243


May 14, 2010

244


May 14, 2010

245


May 14, 2010

246


May 21, 2010

247


May 28, 2010

248-250


May 28, 2010

251


May 28, 2010

252


June 4, 2010

253


First National Bank

June 4, 2010

254


June 4, 2010

255


WASHINGTON FIRST INTERNATIONAL BANK

June 11, 2010

256


June 18, 2010

257


First National Bank June 25, 2010

258


HIGH DESERT STATE BANK

June 25, 2010

259


PENINSULA BANK

June 25, 2010

July 9, 2010

260-261


Home National Bank July 9, 2010

Ideal F ede ral S avin g s Ba n ks

July 9, 2010

262-263


July 9, 2010

264


METROBANK

July 16, 2010

265


July 16, 2010

266


July 16, 2010

267


TURNBERRY BANK

July 16, 2010

268


FIRST NATIONAL速 BANK OF THE SOUTH

July 16, 2010

269


OODLANDS BANK

July 16, 2010

270


July 23, 2010

271


July 23, 2010

272


B A N K

July 23, 2010

273


July 23, 2010

274


Thunder Bank

July 23, 2010

275


W D W T B T L B We J ust Want T o B e Your B ank.

July 23, 2010

276


Sterling BA N K

July 23, 2010

277


TM

LibertyBank

July 30, 2010

278


July 30, 2010

279


BAYSIDE SAV INGS BANK July 30, 2010

280


July 30, 2010

281


ORTHWEST

B A N K & T R U S T

July 30, 2010

282


August 6, 2010

283


Dedicated to Personal Service. . .

August 13, 2010

284


August 20, 2010

285


National Bank

August 20, 2010

286


SONOMA VALLEY BANK August 20, 2010

287


August 20, 2010

Let’s change the world. August 20, 2010

288-289


Savings & Loan Association August 20, 2010

August 20, 2010

290-291


August 20, 2010

292


B

A

N

K

September 10, 2010

293


SAVINGS BANK September 17, 2010

September 17, 2010

288-289


InterSTATE NET BANK September 17, 2010

Bank Ellijay

Bank Canton

A divisions of Bank of Ellijay

September 17, 2010

290-291


September 17, 2010

298


ST COMMUNITY BANK

September 17, 2010

299


county

bank

September 24, 2010

300


Florida

September 24, 2010

301


October 1, 2010

302


Shoreline BANK

October 1, 2010

303


October 15, 2010

304


Security Savings Bank Soli dGround

October 15, 2010

305


Member of FCIC

October 15, 2010

306


FIRST SUBURBAN NATIONAL BANK Est. 1943

October 22, 2010

307


A Federal Savings Bank

October 22, 2010

308


October 22, 2010

309


October 22, 2010

310


THE “TOMORROW BANKING TODAY”

October 22, 2010

311


October 22, 2010

312


October 22, 2010

313


first vietnamese american bank

November 5, 2010

314


Pierce Commercial

November 5, 2010

315


The art of business banking.

November 5, 2010

316


K BANK

November 5, 2010

317


COPPER BANK

November 12, 2010

318


November 12, 2010

319


BANKING November 12, 2010

320


November 19, 2010

321


November 19, 2010

322


Gulf State

November 19, 2010

323


December 10, 2010

324


BANK

December 10, 2010

325


B A N K

December 17, 2010

326


BANK

December 17, 2010

327


COMMUNITY NATIONAL BANK

December 17, 2010

328


December 17, 2010

329


December 17, 2010

330


THE BANK OF MIAMI

TM

December 17, 2010

331


Legacy B A N K

The Private Bank January 7, 2011

332


January 7, 2011

333


January 14, 2011

334


January 21, 2011

335


January 21, 2011

336


January 21, 2011

337


UNITED ESTERN BANK R

January 21, 2011

338


1

January 28, 2011

339


FDIC

January 28, 2011

340


January 28, 2011

341


Financial Solutions

January 28, 2011

342


February 4, 2011

343


Amer can

TM

February 4, 2011

Community First BANK CHICAGO

February 4, 2011

344-345


February 11, 2011

BADGER STATE BANK February 11, 2011

346-347


February 11, 2011

348


February 11, 2011

349


a B

Of Effingham

February 18, 2011

350


February 18, 2011

351


Member FDIC February 18, 2011

February 18, 2011

352-353


February 25, 2011

March 11, 2011

354-355


FIRST NATIONAL BANK OF DAVIS

March 11, 2011

356


March 25, 2011

357


April 8, 2011

358


April 8, 2011

359


April 15, 2011

360


April 15, 2011

361


Rosemount

National Bank

April 15, 2011

362


April 15, 2011

363


BANK

April 15, 2011

364


e Hor ons Ban k April 15, 2011

365


April 29, 2011

366


COMMUNITY BANK

April 29, 2011

367


April 29, 2011

368


BANK OF CENTRAL FLORIDA

April 29, 2011

369


April 29, 2011

370


Coastal Bank

May 6, 2011

371


May 20, 2011

372


May 20, 2011

373


May 20, 2011

374


First Heritage Bank

May 27, 2011

375


June 3, 2011

376


June 17, 2011

377


FCB

TAMPA BAY

June 17, 2011

378


June 24, 2011

379


ignature

July 8, 2011

380


C OLORADO CAPITAL BANK

July 8, 2011

381


July 8, 2011

382


July 15, 2011

383


July 15, 2011

384


July 15, 2011

385


July 15, 2011

386


BANK

July 22, 2011

387


July 22, 2011

THE C HO I CE YOU CAN BA N K O N. July 22, 2011

388-389


July 29, 2011

July 29, 2011

390-391


July 29, 2011

392


August 5, 2011

393


August 5, 2011

394


August 12, 2011

395


August 18, 2011

396


BANK & TRUST

August 19, 2011

397


FIRST SOUTHERN

ITC Fenice LT Regular font

August 19, 2011

Your Choice. The Choice.

First Choice Bank August 19, 2011

398-399


September 2, 2011

September 2, 2011

400-401


September 9, 2011

402


ANK O F N O RT H E R N C A L I F O R N I A

September 23, 2011

403


September 23, 2011

September 30, 2011

404-405


Clearly Different October 7, 2011

SUN SECURITY BANK October 7, 2011

406-407


October 14, 2011

408


October 14, 2011

409


Blue Ridge Savings Bank

October 14, 2011

410


COMM UNITY BANK

October 14, 2011

411


CommunityCapital BANK

October 21, 2011

412


COMMUNITY BANKS OF COLORADO

October 21, 2011

413


B

October 21, 2011

414

A

N

K


BANK ”We Know You”

October 21, 2011

415


ALL BANK

October 28, 2011

416


November 4, 2011

417


MID CITY BANK November 4, 2011

418


CBR

COMMUNITY BANK OF ROCKMART November 10, 2011

419


POLK COUNTY

BANK November 18, 2011

420


November 18, 2011

421


WESTERN

NATIONAL BANK

December 16, 2011

422


PREMIER COMM UNITY

Bank of the Emerald Coast

December 16, 2011

423


Central Florida

State Bank

January 20, 2012

424


January 20, 2012

425


The First State Bank

January 20, 2012

426


January 27, 2012

427


PATRIOT B ANK M I N NESOTA

January 27, 2012

428


TENNESSEE

Commerce Bank January 27, 2012

429


FirstGuarant Bank

January 27, 2012

430


Shelby County Bank

February 10, 2012

431


NAT I O N A L BA N K A N

D

February 10, 2012

432


H ome S avi ngs. o f

A m e r i c a

February 24, 2012

433


C

B

E N TR A L

OF G E O RGIA

February 24, 2012

434

A NK


March 2, 2012

435


C w it y e N

B ank

March 9, 2012

436


COVENANT bank & trust

March 23, 2012

437


PREMIER BANK

March 23, 2012

438


March 30, 2012

439


April 20, 2012

440


PD

Palm Desert National Bank

April 27, 2012

441


April 27, 2012

442


April 27, 2012

443


April 27, 2012

444


April 27, 2012

445


May 4, 2012

446


AL A B A M A TR U S T BA N K

May 18, 2012

447


WACCAMAW BANK

June 8, 2012

448


& state bank

farm ers

traders

June 8, 2012

449


S

A V I N G S

June 8, 2012

450

B A N K


FIRST CAPITAL BANK

June 8, 2012

451


June 15, 2012

PUTNAM STATE BANK Your True Community Bank

June 15, 2012

452-453


Security Exchange Bank June 15, 2012

MONTGOMERY

Bank & Trust

July 6, 2012

454-455


G

SB

Gl a s gow SavingsBank

July 13, 2012

456


July 20, 2012

457


July 20, 2012

458


July 20, 2012

459


July 20, 2012

460


July 20, 2012

461


July 27, 2012

462


August 3, 2012

463


FIRST COMMERCIAL BANK

September 7, 2012

464


September 14, 2012

465


First United Bank

September 28, 2012

466


GULFSOUTH Private Bank

October 19, 2012

467


EXCEL BANK

October 19, 2012

468


1

st

EAST SIDE SAVINGS BANK

October 19, 2012

469


October 26, 2012

470


November 2, 2012

471


HeritageBank Of Florida

November 2, 2012

472


HOMETOWN COMMUNITY BANK November 16, 2012

473


December 14, 2012

474


January 11, 2013

475


St

Regents Bank January 18, 2013

476


February 15, 2013

477


March 8, 2013

478


Gold Canyon Bank

˝We Can Make a Difference˝

April 5, 2013

479


April 19, 2013

480


April 19, 2013

481


April 19, 2013

482


Our Community IS Our Business

April 26, 2013

483


April 26, 2013

484


May 10, 2013

485


May 10, 2013

486


May 14, 2013

487


May 31, 2013

488


June 6, 2013

489


June 7, 2013

490


August 2, 2013

491


August 9, 2013

492


OF

August 23, 2013

493


A Better Way To Bank

August 23, 2013

494


September 13, 2013

495


TCB

www.TCBnow.com

September 13, 2013

496


October 30, 2013

497


December 13, 2013

498


January 17, 2014

499


January 24, 2014

500


January 31, 2014

501


February 28, 2014

502


a new perspective

February 28, 2014

503


April 25, 2014

504


May 16, 2014

505


May 23, 2014

506


May 30, 2014

507


CHICAGO, ILLINOIS

June 20, 2014

508


PALM DESERT, CALIFORNIA

June 20, 2014

509


June 27, 2014

510


July 18, 2014

511


July 25, 2014

512


October 17, 2014

513


The

National Republic Bank of Chicago

October 24, 2014

514


November 7, 2014

515


December 19, 2014

516


January 16, 2015

517


January 23, 2015

518


February 13, 2015

519


February 27, 2015

520


May 8, 2015

521


July 10, 2015

522


October 2, 2015

523


October 2, 2015

524


March 11, 2016

525


April 29, 2016

526


May 6, 2016

527


21# retupmoC yM nI

derusnI CIDF grebidnaM leahciM

ISBN 978-1-326-49923-5

90000

9 781326 499235


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