Hoosier Banker 5 CONTENTS Vol. 103 No. 4 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. View editorial guidelines/calendar at: indianabankers.org/sites/default/files/ HB_Edit_Guidelines.pdf 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 COVER STORY 12 Join the IBA’s C2C Campaign Emily Brooks, IBA ARTICLE SPOTLIGHT 18 2019 IBA Mega Conference Christina M. Bennett, IBA FEATURES 6 IBA Member Benefits Report 2018 8 Vantage Viewpoint Amber R. Van Til, IBA 9 Chairman’s Report Andrew J. Briggs, Farmers & Merchants State Bank 10 Board Review John M. Kennedy, Greenfield Banking Company 11 IBA Calendar of Events 22 Banking Concentration Created in Indiana 24 New IBA Officer Candidates 2020 34 The Farm Bill Made CBD Legal Lori Jean, Krieg DeVault LLP 38 Credit Union Shopping Spree Rebeca Romero Rainey, ICBA 40 Diversifying Our Most Important Asset Robert S. Nichols, ABA FLD FOCUS 26 FLD 101: What It Is Josh Myers, IBA PRODUCTS & SERVICES PROFILE 28 Student Loan Debt Relief Rod Lasley, IBA PSP SHOWCASE 30 Forty Remarkable Years, and Just Getting Started Jeffrey F. Caughron, The Baker Group GR SUMMIT 32 General Assembly 2019 Conclusion Dax Denton and Eric J. Augustus, IBA AG BANKING 42 Current State of Agricultural Lending Brady Brewer, Purdue University 44 The Soybean ‘War’ Against China Dinese Watson, Merchants Bank of Indiana HUMAN RESOURCES 46 Pay Equity Debra A. Mastrian, SmithAmundsen LLC OPERATIONS / TECHNOLOGY 48 Customer Acquisition Laura Ryan, CSI SECURITY / FRAUD 52 Ensure Security Ben Hayden, SHAZAM Inc. COMPLIANCE CONNECTION 54 Permissible Late Charges Brett J. Ashton, Krieg DeVault LLP SALES / MARKETING 56 Relationship Cultures and Customer Care Tom Hershberger, Cross Financial INDIANA BANK & THRIFT STOCK UPDATE 59 Stock Analysis Review Michael A. Renninger, Renninger & Associates LLC DEPARTMENTS 14 From the Board Room 16 Video Bonus 17 Honorable Mentions 27 IBA ‘High Five’ 39 Anniversary Milestones 45 In Memory of 45 Banking Center News 50 Taking It Easy 58 Banking on Community 60 Associate Members’ Corner 62 Bankers on the Move 66 Advertisers Index IBA’s C2C Campaign Tells the Story of Banking
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