PRODUCT & SERVICES PROFILE 34 Expand Your Services and Your Bottom Line Rod Lasley, IBA OPERATIONS & TECHNOLOGY 38 Open Banking & the Future of Financial Services Shanda Purcell, CSI CLOSING NOTE 54 IBA Board Review Bradley J. Monts, Hoosier Heartland State Bank DEPARTMENTS 19 Aniversary Milestone 21 IBA ‘High Five’ Awards 24 Honorable Mentions 31 From the Board Room 37 New Bank Member 40 Banking on Community 42 Associate Members' Corner 44 Bankers on the Move 53 Advertisers Index FEATURES 06 VANTAGE VIEWPOINT Amber R. Van Til, IBA 07 CHAIRMAN'S REPORT Jamie R. Shinabarger, Springs Valley Bank & Trust Company, Jasper 08 MEMBER BENEFITS REPORT 11 IBA CALENDAR OF EVENTS COVER STORY 12 Sen. Travis Holdman 28 PERSONAL STORIES OF COMMUNITY BANKING Rebeca Romero Rainey, ICBA 30 MEETING IN THE MIDDLE (ware) Robert S. Nichols, ABA 36 LOAN REVIEW BEST PRACTICES David Ruffin, IntelliCredit ARTICLES ARTICLE SPOTLIGHT 14 Grassroots Advocacy Josh Myers, IBA DIRECTORS / SENIOR MANAGEMENT 18 What the MIP Cut Means to MBS Investors Andrea F. Pringle, The Baker Group COMPLIANCE CONNECTION 20 Electronic Mortgage Loan Transactions Maria M. Vladimirova, Krieg DeVault LLP PSP SHOWCASE 22 Buydown Program Considerations Elizabeth Madlem, Bankers Alliance INDIANA BANK & THRIFT UPDATE 26 Stock Analysis Michael A. Renninger, Renninger & Associates LLC HUMAN RESOURCES 32 Time to Update Severance Agreements Debra A. Mastrian, Amundsen Davis LLC 24 40 INTERACT WITH US
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