Pub. 2 2012-2013 Issue 5

O V E R A C E N T U R Y : B U I L D I N G B E T T E R B A N K S - H E L P I N G C O L O R A D A N S R E A L I Z E D R E A M S March • April 2013 3 The Colorado Bankers Association is proud to present COLORADO BANKER as a benefit of membership in the Association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertise- ments within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of COLORADO BANKER , or its publisher Media Communications Group. Any legal advice should be regarded as general information. It is strongly recommended that one con- tact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by Media Communications Group. 5 Chairman’s Message 6 A Word From CBA... 8 FEATURE: Saved By the “Fiscal Cliff” Bell 12 FEATURE: Why Cloud? – A Tale of Server Sprawl 14 FEATURE: Portfolio Management 16 FEATURE: BOLI in Today’s Environment 18 FEATURE: CFPB Finalizes Ability-to-Repay Rule for Mortgage Lenders 20 FEATURE: Beyond Frontenac – Spousal Guarantees Are Not Just a Loan Enforcement Issue 22 FEATURE: Center for Bank Advocacy Don Childears President/CEO Jenifer Waller Senior Vice President Amanda Rogowski Director of Marketing Amanda Averch Director of Communications Fritz Mackey Executive Assistant Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Melanie Layton Lobbyist* Garin Bray Lobbyist* Mitch Laycock BancInsure * outsourced Amanda Rogowski, CBA Director of Marketing, amanda@coloradobankers.org 140 East 19th Avenue, Suite 400 Denver, Colorado 80203 voice: 303.825.1575 – fax: 303.825.1585 Websites: www.coloradobankers.org www.smallbizlending.org www.financialinfo.org Annual CBA Summit May 29th & 30th Grand Hyatt Downtown Denver 2013