Pub. 5 2015-2016 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 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 LLC. 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 LLC. Don Childears President/CEO Jenifer Waller Senior Vice President Amanda Averch Director of Communications Laura Garcia Executive Assistant Mike Bintner Director of Education Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Zoey DeWolf Lobbyist* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* * 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/December 2015 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS There Are Things to be Thankful for in 2015 5 Chairman’s Message 6 A Word from CBA... 8 FEATURE: CBA and Red Cross Offer Holiday Safety Tips 9 The Center for Bank Advocacy Training Practicum 12 FEATURE: HSA Eligibility: The Untapped Market 14 FEATURE: Moving Your Institution to the Cloud is a Sound Decision 16 FEATURE: Why Community Banking M&A in the Post-Recession World Must Change 18 FEATURE: Compliance – An Opportunity for a Better Business Model

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