2015 Vol. 99 No. 8

COVER STORY - CAPSTONE BENEFITS GROUP: CULTURE OF CARING	10
FEATURES:	4
PRESIDENT’S PONDERINGS	6
STAFF SELECTIONS	8
IBA CALENDAR OF EVENTS	9
DODD-FRANK AT FIVE: IT'S NO 'HAPPY' BIRTHDAY	26
FREEDOM AND LENDING	28
PSP SHOWCASE - PROTECTING THE ELDERLY WHILE EARNING CRA CREDIT	16
GR SPOTLIGHT - COMPLIANCE PROFESSIONALS SHARE CONCERNS WITH CONGRESSMEN IN DC	18
OPERATIONS - FIVE STEPS TO TAKE TO PREPARE FOR SAME-DAY ACH	20
DIRECTORS / SENIOR MANAGEMENT - SPECULATION VS. STRATEGY:WHAT DRIVESYOUR INVESTMENT DECISIONS?	22
DEPARTMENTS:	4
VIDEO BONUS	23
COMPLIANCE CONNECTION	24
ANNIVERSARY MILESTONES	25
BANKING ON COMMUNITY	30
IN MEMORY OF	31
ASSOCIATE MEMBERS' CORNER	32
TAKING IT EASY	34
FROM THE BOARD ROOM	34
HONORABLE MENTIONS	35
NEW BRANCHES, BUILDINGS & OPENINGS	36
BANKERS ON THE MOVE	38
ADVERTISERS INDEX	42

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