® ® ADVERTISER INDEX OCTOBER 2017 All Covered webinar........................................77 BKD, LLP............................................................56 CSI.......................................................................6 CoNetrix...........................................................60 Electronic Payments.......................................C3 FIS.....................................................................58 Fiserv webinar.................................................33 Global Outsource Services............................41 Holtmeyer & Monson......................................29 IBM................................................................8, 13 IBT...............................................................C2, 55 ICBA Bancard VISA............................................4 ICBA Bancard & TCM Bank.............................66 ICBA Membership...........................................74 ICBA Securities................................................68 Independentbanker.org..................................81 Linked2Pay........................................................3 Loomis..............................................................32 Maclear LLC.....................................................54 Modern Banking Systems..............................27 MyBoardPacket...............................................30 Pannos Marketing...........................................63 Plansmith.......................................................57 PMA Funding....................................................21 Promontory Interfinancial Network, LLC.....39 QwickRate........................................................24 Red Hawk.........................................................19 Reliable IT webinar.........................................69 SHAZAM...........................................................C4 Travelers..........................................................22 Verafin..............................................................53 Young & Associates........................................71 contents departments October 2017 25 Risks & Rules 67 Time to organize your data What community banks should do to be ready 72 A path through? Grassroots 25 Righting the ship ICBA's recommended reforms to achieve a modernized tax policy 28 August advantage South Carolina community bankers meet with legislators during the congressional break 31 Fighting hard on the Hill New ICBA lobbyists Amy Forester Roberti and Steve Keen forge ahead in the fight for community banks 61 Lender Life 61 The business of government The pros of financing public construction and equipment projects can outweigh the cons 64 Small-Business Smarts New column. How community banks are taking the regulatory burden in stride The Office of the Comptroller of the Currency's latest memo provides reassuring clarity Nuts & Bolts 75 Mistaken identity Identity fraud is on the rise, and community banks are arming employees and customers with prevention tools and knowledge 78 Why you can't ignore the user experience As more banks go mobile, customer service remains the pinnacle priority 80 What customers DON'T want in a website Industry experts share what customers don't want in their bank's website 82 Portfolio Management Market yields for shorter-duration bonds are on the rise By Jim Reber The Back Page 84 15 Minutes With... Steve Slocum, director of marketing at First National Bank & Trust Co. in Williston, N.D. 84