2014 Vol. 98 No. 5

ASSOCIATION UPDATE:	4
PRESIDENT'S PONDERINGS	6
IBA CALENDAR OF EVENTS	8
COVER STORY - MEGA 2014: EXPERIENCE THE ENERGY	10
DIRECTORS/SENIOR MANAGEMENT:	4
YOUR BOND PORTFOLIO DOES NOT LIVE ALONE	18
FINAL RULES REGARDING SERVICING REQUIREMENTS FOR RESIDENTIAL MORTGAGES	22
GR SPOTLIGHT - JOIN US FOR THE 2014 IBA ANNUAL WASHINGTON TRIP	24
PSP SHOWCASE - PSP UPDATE - GREAT LAKES CAPTIAL FUND	26
DEPARTMENTS:	4
COMPLIANCE ALLIANCE	16
NEW BRANCHES, BUILDINGS & OPENINGS	17
ASSOCIATE MEMBERS' CORNER	17
ANNIVERSARY MILESTONES	20
FINANCIAL LITERACY DIGEST	23
BANKING ON COMMUNITY	25
HONORS	28
BANKERS ON THE MOVE	31
ADVERTISERS INDEX	34

RkJQdWJsaXNoZXIy MTg3NDExNQ==