2015 Vol. 99 No. 4

COVER STORY - BANKS PARTNER WITH JUNIOR ACHIEVEMENT TO PREPARE YOUTH FOR SUCCESS	10
FEATURES:	4
PRESIDENT’S PONDERINGS	6
IBA CALENDAR OF EVENTS	8
PSP SHOWCASE - IBA PREFERRED SERVICE PROVIDERS SELECTED TO HELP YOU SUCCEED	14
OPERATIONS / TECHNOLOGY:	4
OPERATIONS / TECHNOLOGY - TAKE THREE STEPS TO SERVICE-FOCUSED BRANCHES	22
INTERACTIVE TELLER MACHINES – THE FUTURE OF COMMUNITY BANKING	24
DEPARTMENTS:	4
FROM THE BOARD ROOM	6
VIDEO BONUS	13
ANNIVERSARY MILESTONES	15
COMPLIANCE CONNECTION	16
ASSOCIATE MEMBERS' CORNER	18
BANKING ON COMMUNITY	20
HONORABLE MENTIONS	21
NEW BRANCHES, BUILDINGS & OPENINGS	23
TAKING IT EASY	25
BANKERS ON THE MOVE	26
IN MEMORY OF	30
ADVERTISERS INDEX	30

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