Pub. 7 2017-2018 Issue 6

O V E R A C E N T U R Y : B U I L D I N G B E T T E R B A N K S - H E L P I N G C O L O R A D A N S R E A L I Z E D R E A M S May • June 2018 3 The Colorado Bankers Association is proud to present COLORADOBANKERas a benefit of membership in the Association.Nomember dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of COLORADO BANKER, or its publisher the newsLINK Group LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the ap- pearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group LLC. Don Childears President/CEO Jenifer Waller COO Amanda Averch Director of Communications Lindsay Muniz Executive Assistant Mike Bintner Director of Education Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Zoey DeWolf Lobbyist* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* Brandon Knudtson Director of Membership * outsourced Amanda Averch, CBA Director of Communications, Averch@coloradobankers.org 140 East 19th Avenue, Suite 400 Denver, Colorado 80203 voice: 303.825.1575 – fax: 303.825.1585 Websites: www.coloradobankers.org www.smallbizlending.org www.financialinfo.org May/June 2018 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS SURVEYS SHOW RISING HEALTH CARE COSTS AFFECT RETIREMENT SAVINGS— HSAS ARE A SOLUTION 4 Chairman’s Message 6 A Word From CBA... 8 FEATURE: Simple Things You Can Do To Maintain Data Security And Keep Up With Sophisticated Cyber Threats 11 Community Reinvestment Act 12 Strategies for Dealing with Changing Customer Expectations 14 FEATURE: Surveys Show Rising Health Care Costs Affect Retirement Savings- HSAs Are a Solution 16 Beneficial Ownership Step by Step 19 CBA Recognizes World Elder Abuse AwarenessDay: 14 Tips for Stopping Elder Financial Abuse in its Tracks 21 Prevent and Fight Exploration BankSafe Training