Pub 1 2012 Issue 1

2 Leading advocate for the banking industry in Kansas. BBOK...........................................................Inside Front Cover BKD................................................................................ Page 3 Diebold, Inc.................................................................... Page 5 Marketing Consultant Services, Inc............................Page 11 First National Bank of Hutchinson..............................Page 17 Integrated Coating Systems........................................Page 17 INTRUST Bank .............................................................Page 17 SHAZAM....................................................................... Page 19 Volume 102/Number 1 The mission statement of the Kansas Bankers Association is: To support and assist Kansas banks and Kansas bankers. Chairman John Lehman, First National Bank, Girard Past Chairman John E. Boyer IV, KANZA Bank, Kingman Chairman-Elect Frank Carson III, Carson Bank, Mulvane Treasurer Frank Reifschneider, Garden City State Bank, Garden City Immediate Past Chairman Jeannette Richardson, Farmers National Bank, Hutchinson Term Expires August 2012 John Danler, Girard National Bank, Yates Center Julie Hower, Farmers & Drovers Bank, Council Grove Calvin Coady, Bankers’ Bank of Kansas, N.A., Wichita Robin LacKamp, Peoples Exchange Bank, Belleville Scott Chipman, Fidelity State Bank & Trust Company, Dodge City Term Expires August 2013 Mark Larrabee, Arvest Bank, Shawnee Mission Jim Hoskins, Baxter State Bank, Baxter Springs James Bush, Citizens State Bank & Trust, Hiawatha Lyndon Wells, INTRUST Bank, N.A., Wichita Richard Jensen, Trego-WaKeeney State Bank, WaKeeney Skip Numrich, First National Bank, Scott City Term Expires August 2014 Tom Oltjen, Bank of Prairie Village, Prairie Village Brad Oakes, First National Bank, Independence Gary Yager, VisionBank, Topeka Brad Elliott, Equity Bank, N.A., Wichita TomWilbur, Bank VI, Salina Candy Murphy, Bank of Protection, Protection At Large Representatives 1 Yr. : Kendal Kay, Stockgrowers State Bank, Ashland 2 Yr .: Tom McGavaran, State Bank of Delphos, Delphos 3 Yr. : Brad Rucker, Home Bank & Trust Co., Wichita Trust Division President Shane McCall, Peoples Bank Branch, Smith Center Kansas Ag Bankers Division President Sid Graber, Citizens Bank of Kansas, Pretty Prairie YBOK Division President Frank Carson IV, Carson Bank, Derby Kansas Bankers Association Board of Directors and Voting Members © 2012 Kansas Bankers Association | The newsLINK Group, LLC. All rights reserved. The Kansas Banker is published eight times each year by The newsLINK Group, LLC for the Kansas Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Kansas Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or serviced advertised. The Kansas Bankers Association is a collective work and as such some articles are submitted by authors that are independent of the Kansas Bankers Association. While The Kansas Banker encour- ages a first print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at: 855-747-4003.