2017 Vol. 101 No. 5

Hoosier Banker 5 CONTENTS Vol. 101 No. 5 8425 Woodfield Crossing Blvd., Suite 155E Indianapolis IN 46240-7321 317-387-9380 @indianabankers Publisher: Amber R. Van Til Editor: Laura Wilson Advertising: Rod Lasley Submit materials to: HB@indianabankers.org Copy deadline: First of the month preceding publication. Advertising: Rates available at indianabankers.org. Advertisers should reserve space by the first day of the month preceding publication, and submit artwork by the fifth of the month preceding. 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 to members and associate members of the Indiana Bankers Association. Public access to HB Digital is available at indianabankers.org. About Hoosier Banker: Award-winning Hoosier Banker magazine is the flagship publication of the Indiana Bankers Association. Its subscriber base includes all banks and thrifts headquartered in Indiana, IBA-member banks headquartered out-of-state, and IBA associate members. HOOSIER BANKER MAGAZINE indianabankers.org Wayne Capek (left) and Craig Callahan uphold high standards at Floodplain Consultants, Brownsburg. Located nearby is Arbuckle Acres Park, coincidentally situated on a floodplain. COVER STORY 10 Floodplain Consultants ARTICLE SPOTLIGHT 18 IBA Regional Meetings: Stronger Than Ever Dax Denton, IBA FEATURES 6 Vantage Viewpoints Amber R. Van Til, IBA 7 IBA Calendar of Events 8 Board Review Jeffrey W. Gump, Farmers and Merchants Bank 20 Covering Your Losses With Flood Certifications Lori Jean, Krieg DeVault LLP 30 State Deposits in Indiana Financial Institutions 40 Treasury’s Roadmap Robert S. Nichols, ABA 42 Finishing Strong Camden R. Fine, ICBA DIRECTORS / SENIOR MANAGEMENT 22 Yield Curve Behavior Jeffrey F. Caughron, The Baker Group HUMAN RESOURCES 24 ‘Ban the Box’ Ordinances Debra A. Mastrian, SmithAdmundsen LLC 34 Recruit and Motivate Staff Brian M. Howe, Plante Moran 48 The Recruiter’s View Charlie Tudor and Mark Angott, Angott Search Group COMPLIANCE CONNECTION 26 Waiving HELOC Closing Costs Brett J. Ashton, Krieg DeVault LLP PRODUCTS & SERVICES PROFILE 28 Mobile Wallet New Card Products Damon Moorer, TCM Bank, NA PSP SHOWCASE 32 All Things Payments Rod Lasley, IBA OPERATIONS / TECHNOLOGY 38 ‘Zelle’ Insights From Fifth Third Bank MARKETING / SALES 44 Attracting Deposits Erich Buckenmaier, Promontory Interfinancial Network 54 Bank Marketing Tip: A CSR at Every Desk Jeff Rendel, Rising Above Enterprises DEPARTMENTS 16 Anniversary Milestones 21 Taking It Easy 23 From the Board Room 23 IBA Employees of the Month 25 In Memory of 27 Honorable Mentions 36 Associate Members’ Corner 41 Banking Center Update 46 Banking on Community 50 Bankers on the Move 54 Advertisers Index

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