2014 Vol. 98 No. 8

ASSOCIATION UPDATE:	4
PRESIDENT’S PONDERINGS	6
IBA STAFF SELECTIONS	8
IBA CALENDAR OF EVENTS	9
COVER STORY - JIM KLEINFELTER: LEADING YOUNG & ASSOCIATES IN SUPPORT OF BANKS	10
DIRECTORS / SENIOR MANAGEMENT:	4
INFORMATION SECURITY – KEEPING SECRETS FROM THE BACKYARD TO THE BOARDROOM	16
20 MID-YEAR THOUGHTS ON INTEREST RATES AND THE BOND MARKET	20
PSP SHOWCASE - HOW TO SURVIVE THE MOST OPPRESSIVE REGULATORY STORM	24
LENDING / CREDIT - REQUIREMENTS OF THE NEW LOAN ORIGINATOR RULE – MISCONCEPTIONS AND PITFALLS	26
DEPARTMENTS:	4
TAKING IT EASY	21
COMPLIANCE CONNECTION	22
HONORS	23
ANNIVERSARY MILESTONES	25
FROM THE BOARD ROOM	25
IN MEMORY OF	25
NEW BRANCHES, BUILDINGS & OPENINGS	34
ASSOCIATE MEMBERS' CORNER	36
BANKING ON COMMUNITY	38
BANKERS ON THE MOVE	41
ADVERTISERS INDEX	46

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