Pub. 4 2014-2015 Issue 4

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 January • February 2015 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 January/February2015 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS Vendor Management Nuaces 5 Chairman’s Message 6 A Word from CBA... 8 FEATURE: Unraveling Qualified Expenses for Coverdell ESAs 12 FEATURE: Vendor Management Nuances 14 Reception for John Ikard’s Election to ABA Board 16 2014 Center for Bank Advocacy Training Practicum 17 Congratulations, 2014 Graduates! 18 Management Conference