<SEC-DOCUMENT>0001140361-21-039316.txt : 20211124
<SEC-HEADER>0001140361-21-039316.hdr.sgml : 20211124
<ACCEPTANCE-DATETIME>20211124104103
ACCESSION NUMBER:		0001140361-21-039316
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20211124
DATE AS OF CHANGE:		20211124

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Finward Bancorp
		CENTRAL INDEX KEY:			0000919864
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				351927981
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-40999
		FILM NUMBER:		211442492

	BUSINESS ADDRESS:	
		STREET 1:		9204 COLUMBIA AVE
		CITY:			MUNSTER
		STATE:			IN
		ZIP:			46321
		BUSINESS PHONE:		219 836-9690

	MAIL ADDRESS:	
		STREET 1:		9204 COLUMBIA AVE
		CITY:			MUNSTER
		STATE:			IN
		ZIP:			46321

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NORTHWEST INDIANA BANCORP
		DATE OF NAME CHANGE:	19940307
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>brhc10031168_defa14a.htm
<DESCRIPTION>DEFA14A
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 8.0.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <hr align="center" style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;">
  <div>
    <div style="text-align: center; color: rgb(0, 0, 0); font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; color: rgb(0, 0, 0); font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; color: rgb(0, 0, 0); font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>
    <div>&#160;</div>
    <div style="text-align: center; color: rgb(0, 0, 0); font-size: 18pt; font-weight: bold;">SCHEDULE 14A INFORMATION</div>
    <div>&#160;</div>
    <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</div>
    <div>&#160;</div>
    <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Amendment No.&#160; &#160;&#160; )</div>
    <div>&#160;</div>
    <div style="color: rgb(0, 0, 0);">Filed by the Registrant &#9746;</div>
    <div style="color: rgb(0, 0, 0);">Filed by a Party other than the Registrant &#9744;</div>
    <div>&#160;</div>
    <div style="color: rgb(0, 0, 0);">Check the appropriate box:</div>
    <div style="color: rgb(0, 0, 0);"> <br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z5433516c6dd944e199a3ed7770ffbed5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0);">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="color: rgb(0, 0, 0);">Preliminary Proxy Statement</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zc4cca3d6a4514ea5b69ea1473f13fecc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0);">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="color: rgb(0, 0, 0); font-weight: bold;">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z8c75b343d06d417c9c053ea91506865a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0);">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="color: rgb(0, 0, 0);">Definitive Proxy Statement</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z40adc64ec8c34e9481b072d62e24a37e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0);">&#9746;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="color: rgb(0, 0, 0);">Definitive Additional Materials</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z52015bf1d0dd47279b4eab932f85926e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0);">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="color: rgb(0, 0, 0);">Soliciting Material Pursuant to &#167;240.14a-12</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="ze6c3bc4c5063479e801f50ec26f65303" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 24pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Finward Bancorp</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; color: rgb(0, 0, 0);">(Name of Registrant as Specified In Its Charter)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; color: rgb(0, 0, 0);">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="color: rgb(0, 0, 0);">Payment of Filing Fee (Check the appropriate box):</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;" id="z3c4d956479b44934903c9c21a8f1bfd4" class="DSPFListTable">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 18pt;">&#9746;</td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: left; color: rgb(0, 0, 0);">No fee required.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;" id="z25d93a8cdb924b8f865b1a0f57bc50c2" class="DSPFListTable">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 18pt;">&#9744;</td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: left; color: rgb(0, 0, 0);">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</div>
            </td>
          </tr>

      </table>
      <div> <br>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z5ff13c9045e4496491f46b1b8392693e" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(1)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Title of each class of securities to which transaction applies:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(2)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Aggregate number of securities to which transaction applies:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(3)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(4)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Proposed maximum aggregate value of transaction:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(5)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Total fee paid:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;" id="zd56f8a4b02004c11a3bc53f4e8eb1324" class="DSPFListTable">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 18pt;">&#9744;</td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Fee paid previously with preliminary materials.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z83cc92343dcb455fb0351df9418f357f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0);">&#9744;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="color: rgb(0, 0, 0);">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration
              statement number, or the Form or Schedule and the date of its filing.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z7804d1c517c645eeb2566e2d1364305d" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(1)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Amount Previously Paid:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(2)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Form, Schedule or Registration Statement No.:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(3)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Filing Party:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>(4)</div>
          </td>
          <td style="width: 94%; vertical-align: top;">
            <div>Date Filed:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 94%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>

    </table>
    <div> <br>
    </div>
    <div>
      <hr align="center" style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"> </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>Dear Profit Sharing Plan Participant:</div>
    <div>&#160;</div>
    <div>You hold shares of Finward Bancorp (FNWD) common stock in your Peoples Bank Employees&#8217; Savings &amp; Profit Sharing Plan account. As you know, earlier this year, Finward Bancorp signed an Agreement and Plan of Merger to acquire Royal Financial,
      Inc. and its wholly-owned subsidiary, Royal Savings Bank, and further expand our Chicagoland presence. The merger proposal must now be approved by Finward&#8217;s shareholders at a Special Shareholder Meeting to be held on December 13, 2021. Your vote is
      extremely important, as a failure to vote will have the same effect as a vote against the merger transaction. No matter how many shares you own, we urge you to vote &#8220;FOR&#8221; all three proposals to approve the merger.</div>
    <div>&#160;</div>
    <div>Earlier this year, all Profit Sharing Plan accounts were transferred from our Wealth Management department to our Plan Administrators, Pentegra and Reliance Trust. Due to the timing of this account transfer, the most efficient way to deliver the
      proxy materials to you is to deliver them electronically.&#160; Our Transfer Agent, Broadridge Corporate Issuer Solutions, will send an email to you this week with instructions on how to access your proxy materials and vote your shares electronically.
      Please watch for this email and vote your shares as soon as possible but in any event no later than December 12, 2021.</div>
    <div>&#160;</div>
    <div>If you have an questions, feel free to contact me at my email address below or Chad Houston at <u>chouston@ibankpeoples.com</u>.</div>
    <div>&#160;</div>
    <div>Sincerely,</div>
    <div>&#160;</div>
    <div>Leane Cerven</div>
    <div> <br>
    </div>
    <div> <img src="image00001.jpg"></div>
    <div><br>
    </div>
    <div style="font-weight: bold;">Leane English Cerven</div>
    <div style="font-style: italic;">EVP, Chief Risk Officer, General Counsel and Corporate Secretary<br>
    </div>
    <div>9204 Columbia Avenue</div>
    <div>Munster, IN 46321</div>
    <div>
      <div><font style="font-weight: bold;">Email:</font>&#160;<u>lcerven@ibankpeoples.com</u></div>
      <div><br>
      </div>
      <div><br>
      </div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image00001.jpg
<TEXT>
begin 644 image00001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1"  R + # 2(  A$! Q$!_\0
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MG.WUQGGK^G%7?$'PTT/7-4DU&=[^"[E 5WM[@IOP,#@YQ@>E)XF+E>^GH*.
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MT4BQ:*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HQ112#H%%%%,
&HHHH __9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
