2014 Vol. 98 No. 8

5 Hoosier Banker TABLE OF CONTENTS VOLUME 98 NO. 8 6925 Parkdale Place Indianapolis IN 46254-4673 Phone: 317-387-9380 Fax: 317-387-9374 www.indianabankers.org Publisher: S. Joe DeHaven Editor: Laura Wilson Advertising: Rod Lasley Send news releases to: IBAcommunications @indianabankers.org Hoosier Banker (ISSN 0018-473X) is published monthly by the IBA Service Corp., a subsidiary of IBA Holding Company Inc., that is a wholly owned subsidiary of the Indiana Bankers Association. The magazine invites news from IBA members. Copy deadline: first of the month preceding publication. Advertising: Rates available upon request or online at www.indianabankers.org. Advertisers should provide electronic PDFs by the 15th of the month preceding publication. Hoosier Banker advertising is available to members and associate members of the Indiana Bankers Association only. Subscriptions: Hoosier Banker subscriptions are provided free of charge exclusively to members and associate members of the Indiana Bankers Association. Public access to Hoosier Banker Digital is available at www.indianabankers.org. ASSOCIATION UPDATE 6 PRESIDENT’S PONDERINGS S. Joe DeHaven, IBA 8 IBA STAFF SELECTIONS Elizabeth Kilty, IBA 9 IBA CALENDAR OF EVENTS COVER STORY 10 JIM KLEINFELTER: LEADINGYOUNG & ASSOCIATES IN SUPPORT OF BANKS DIRECTORS / SENIOR MANAGEMENT 16 INFORMATION SECURITY – KEEPING SECRETS FROM THE BACKYARD TO THE BOARDROOM Johnathan Biggs, Investors Title Insurance Company 20 MID-YEAR THOUGHTS ON INTEREST RATES AND THE BOND MARKET Jeffrey F. Caughron,The Baker Group PSP SHOWCASE 24 HOW TO SURVIVE THE MOST OPPRESSIVE REGULATORY STORM Andy Greenawalt, Continuity Control LENDING / CREDIT 26 REQUIREMENTS OF THE NEW LOAN ORIGINATOR RULE – MISCONCEPTIONS AND PITFALLS Brett J.Ashton, Krieg DeVault LLP DEPARTMENTS 21 TAKING IT EASY 22 COMPLIANCE CONNECTION Larry C.Tomlin, Krieg DeVault LLP 23 HONORS 25 ANNIVERSARY MILESTONES 25 FROM THE BOARD ROOM 25 IN MEMORY OF 34 NEW BRANCHES, BUILDINGS & OPENINGS 36 ASSOCIATE MEMBERS' CORNER 38 BANKING ON COMMUNITY 41 BANKERS ON THE MOVE 46 ADVERTISERS INDEX 5 Hoosier Banker august 2014 Jim Kleinfelter is president and senior consultant of Young & Associates Inc.

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