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UNITED STATES OF AMERICA
BEFORE THE BOARD OF GOVERNORS

OF THE FEDERAL RESERVE SYSTEM

WASHINGTON,

D.C.

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In the Matter of

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CRAIG J. FAHRNER
A Former Institution-Affiliated
Party of the
Hinsbrook Bank and Trust
Willowbrook, Illinois

WHEREAS,

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Docket Nos. 99-004-B-I
99-004-E-I
Order of Prohibition and Order to
Cease and Desist Issued Upon
Consent Pursuant to the Federal
Deposit Insurance Act, as Amended

pursuant to sections 8(b), (e) and (i) (3) of the Federal Deposit

Insurance Act, as amended (the “FDI Act”) (12 U.S.C. 18 18(b), (e) and (i) (3)), the
Board of Governors of the Federal Reserve System (the “Board of Governors”)

issues

this combined Order of Prohibition and Order to Cease and Desist (the “Order”) against
Craig J. Fahrner (“Fahmer”), a former employee and institution-affiliated

party, as

defined in section 3 (u) of the FDI Act (12 U.S.C. 18 13 (u)), of the Hinsbrook Bank and
Trus?, Willowbrook,
embezzlement

Illinois (the “Bank”), a state member bank, due to Fahmer’s alleged

of bank funds, while he was employed by the Bank: and

WHEREAS,

by affixing his signature hereunder, Fahrner has consented to the

issuance of thi; Order by the Board of Governors and consented to comply with each and
every provision of this Order, and waived any and all rights he might otherwise have

pursuant to 12 U.S.C. 18 18 and 12 CFR Part 263, or otherwise (a) to the issuance of a
notice of intent to prohibit or a notice of charges on any matter set forth in this Order;
(b) to a hearing for the purpose of taking evidence with respect to any matter implied or
set forth in this Order; (c) to obtain judicial review of this Order or any provision hereof;
and (d) to challenge or contest in any manner the basis, issuance, validity, terms,
effectiveness

or enforceability

NOW, THEREFORE,

of this Order or any provision hereof.

prior to the taking of any testimony or adjudication

of or

finding on any issue of fact or law implied or set forth herein, and without this Order
constituting

an admission of any allegation made or implied by the Board of Governors in

connection herewith, and solely for the purpose of settlement of this matter without
protracted or extended proceedings:

IT IS HEREBY ORDERED, pursuant to sections S(b), (e), (i) (3) and (j) of the
FDI Act (12 U.S.C. 18 18(b), (e), (i) (3) and (i)), that:

1.

Fahrner, without the prior written approval of the Board of Governors,

and, where necessary pursuant to section 8(e)(7)(B) of the FDI Act (12 U.S.C.
18 18(W)(B)),

another federal financial institution regulatory agency, is hereby and

henceforth prohibited:

(a) From participating

in any manner in the conduct of the affairs of any

institution or agency specified in section 8(e)(7)(A) of the FDI Act (12 U.S.C.

18 18(e)(7)(A)), including, but not limited to, any depository
institution

institution or any depository

holding company;

(b) from soliciting, procuring, transferring,
or attempting to vote any proxy, consent, or authorization

attempting to transfer, voting
with respect to any voting

rights in any institution described in section 8(e)(7)(A) of the FDI Act;

(c) from violating any voting agreement previously approved by any
federal banking agency; or

(d) from voting for a director, or serving or acting as an institutionaffiliated party, as defined in section 3(u) of the FDI Act (12 U.S.C. 1813(u)), such as an
officer, director, or employee in any institution described in section 8(e)(7)(A) of the FDI
Act.

2.

Notwithstanding

the provisions of paragraph 1(b) hereof, the Board of

Governors hereby grants its approval, pursuant to the provisions of section 8(e)(6) and (j)
of the Act (12 U.S.C. 18 18(e)(6) and (j)), of the transfer or attempted transfer by Fahmer
of all or part of the voting rights of his shares of the Bank to any entity or person,
including a trustee, provided that such transfer or attempted transfer is made in
compliance with all applicable laws and regulations,

including, where appropriate

the

Bank Holding Company Act of 1956, as amended, or the Change in Bank Control Act of
1978, as amended.

3.

Within 120 days of this Order, Fahrner shall make restitution to the Bank

in the sum of $32,973,

representing

Fahrner’s alleged embezzlement

the losses incurred

of bank funds.

by the Bank as a result of

If prior to the expiration of the 120-day

period, Fahmer has been ordered by a court of competent jurisdiction
in any amount,

to the Bank, as the result of criminal

to make restitution,

charges related to the activities

giving rise to the issuance of this Order, Fahrner shall be deemed to have complied

with

the restitution provision of this Order.

4.

Any violation of this Order shall separately subject Fahrner to appropriate

criminal or civil penalties, or both, under section 8 of the FDI Act (12 U.S.C. 1818).

5.

All communications

regarding this Order shall be addressed to:

(a) Mr. Robert A. Bechaz
Regional Director - Illinois
Federal Reserve Bank of Chicago
230 South La Salie Street
Chicago, IL 60604

(b) Joshua T. Buchman, Esq.
McDermott Will & Emory
227 W. Monroe St.
Chicago, IL 60606
6.

The provisions of this Order shall not bar, estop, or otherwise prevent the

Board of Governors or any federal or state agency or department

from taking any other

action affecting Fahrner; provided, however, the Board of Governors will take no other
action against Fahmer that would arise out of facts and circumstances
Fahrner’s alleged embezzlement

of Bank funds.

4

concerning

7.

This Order, and each and every provision hereof, is and shall remain fully

effective and enforceable until expressly stayed, modified, terminated

or suspended in

writing by the Board of Governors.

By order of the Board of Governors effective this
a,%/.,-+

,

5*

day of

1999.

BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM

ByI*

v

a_
Jq&rifeH J&son
Secretary of the Board