Pub. 2 2013 Issue 5

l e a d i n g a d v o c a t e f o r t h e b a n k i n g i n d u s t r y i n k a n s a s 4 6 Kansas Ag Bankers United in Support for Kansas FFA By Doug Wareham, KBA SVP Government Relations 6 Educational Program Highlights for Fall By Becky Tongish, KBA SVP Education 8 Four Kansas Bankers Receive Banking School Scholarships 10 An Inflection Point for CRE Loans? By Harish Mali and Robert Clark, SNL Financial 12 Security Officer’s By-word MORTGAGE PRODUCTION COMMISSION INCENTIVES SPELL TROUBLE By Charles M. Towle, Senior Vice President Kansas Bankers Surety Company 16 Bert Ely’s Farm Credit Watch: Shedding Light on the Farm Credit System, America’s Least Known GSE Learn which FCS associations are your direct competitors By Bert Ely 18 Cybersecurity Vigilance By Frank Keating, President and CEO American Bankers Association Washington Update June 2013 19 Briefly… In Kansas Banking 21 Cloudy Thoughts: Re-evaluating Cloud Due Diligence By Mark Faske, CoNetrix 22 Fair and Responsible Lending in Today’s Environment By Billy Seitz, BKD © 2013 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 encourages 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. 12 18 6