2023 Vol. 107 No. 3

Vantage Viewpoint	6
Chairman's Report	7
MEMBER VALUE - 2022 Member Benefits Report	8
IBA Calendar of Events	11
COVER STORY - Sen. Travis Holdman: A Duty for Public Service	12
ARTICLE SPOTLIGHT - Grassroots Advocacy	14
Directors / Senior Management: What the MIP Cut Means to MBS Investors	18
Aniversary Milestone	19
COMPLIANCE CONNECTION - Electronic Mortgage Loan Transactions	20
IBA 'High Five' Awards	21
PSP SHOWCASE - Buydown Program Considerations: Keep it long enough and it will come back in fashion	22
Honorable Mentions	24
INDIANA BANK & THRIFT UPDATE - Stock Analysis	26
Personal Stories of Community Banking	28
Meet in the Middle (ware)	30
From the Board Room	31
HUMAN RESOURCES - Time to Update Severance Agreements	32
PRODUCT & SERVICES PRODUCT & SERVICES PROFILE - Expand Your Services and Your Bottom Line	34
New Bank Member	37
OPERATIONS & TECHNOLOGY - Open Banking & the Future of Financial Services	38
Banking on Community	40
Associate Members' Corner	42
Bankers on the Move	44
Advertisers Index	53
CLOSING NOTE - IBA Board Review	54

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