Pub. 4 2014-2015 Issue 3

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 November • December 2014 3 The Colorado Bankers Association is proud to present COLORADO BANKER as a benefit of membership in the Associ - ation. 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 advertisements 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 the newsLINK Group. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group. Don Childears President/CEO Jenifer Waller Senior Vice President Amanda Averch Director of Communications Mary Bowers Director of Membership Fritz Mackey Executive Assistant Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Melanie Layton Lobbyist* Garin Bray Lobbyist* Mike Bintner Director of Education * outsourced Amanda Averch, CBA Director of Communications, Averch@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 November/December2014 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS Strategies for Selling SBA Loans on the Secondary Market 5 Chairman’s Message 6 A Word from CBA... 9 FEATURE: Speak on Social Media: Best Practices for Success, Whether Seasoned or Beginner 10 FEATURE: Cybersecurity Framework 14 FEATURE: Making Benefit Plans Work: It’s All in the Contract Benefits 16 FEATURE: Strategies for Selling SBA Loans on the Secondary Market 18 FEATURE: How Does a Charged-off Checking Account Become a Minefield of Issues? 20 FEATURE: Health Savings Accounts Poised to Expand Under the Affordable Care Act