Pub. 2 2013 Issue 5

Kansas Banker The � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � | � � � � 2 0 1 3 � � � � � � � � � � � � � � � � � � � � � � � � � � � | � � � 2 0 1 3 Fair and Responsible Lending in Today’s Environment Page22 ly 0 1 3 � � � � � � � � � � � �