Western Independent Banker - January/February 2008 - (Page 6)

inform. educate. connect. EXECUTIVE COMMITTEE Michael J. Perdue Chairman President Pacific Western Bank San Diego, CA Matt C. Packard Chairman-elect Chairman & CEO Central Bank Provo, UT David Taber Secretary/Treasurer President, CEO & Director American River Bankshares Rancho Cordova, CA Roger L. Christensen Immediate Past Chairman CEO Columbia River Bank The Dalles, OR Banker Robert L. Fenstermacher Chairman, President & CEO LibertyBank Eugene, OR Alan Lane Executive Chairman Professional Business Bank Pasadena, CA Dennis A. Long CEO The Bank of the Pacific Aberdeen, WA Ken Martin President & CEO Cashmere Valley Bank Cashmere, WA Norman Morales President & CEO Vineyard Bank, N.A. Corona, CA Daniel P. Myers President & CEO Bridge Bank, N.A. San Jose, CA Michael Perry Chairman, President & CEO San Diego Trust Bank San Diego, CA Park Price President Bank of Idaho Idaho Falls, ID Ralph Tapscott President & CEO Mohave State Bank Lake Havasu City, AZ Larry P. Ward President & CEO Heritage Oaks Bank Paso Robles, CA GENERAL COUNSEL Patricia Y. Trendacosta Frandzel Robins Bloom & Csato, L.C. CPAs Robert T. Perry-Smith Perry-Smith LLP EDITORIAL ADVISORY COMMITTEE Garry Barnes President & CEO Gateway Pacific Bank (Proposed), National City, Calif. Frank W. Browning Chairman & CEO Bank of Utah, Ogden, Utah James D. Hicken President & CEO Bank of Santa Clarita, Santa Clarita, Calif. James C. Holly President & CEO Bank of the Sierra, Porterville, Calif. David Kaiser President & CEO Granite Community Bank, N.A., Roseville, Calif. Kimberly A. Kaselionis President & CEO Circle Bank, Novato, Calif. Robert T. Perry-Smith President & CEO Perry-Smith LLP, Sacramento, Calif. ASSOCIATION STAFF Kerry Curtis Vice President, Research & Program Development Suzette Davidson Member Services Manager Krista Gulbransen Vice President, Marketing & Membership Nancy P. Jennings Assistant Vice President, Communications Eljene Manuel Meetings Associate Jennifer Muhawi Member Relations Manager Angelica Rodriguez Assistant Meetings Manager Ellie Rovira Administrative & Bookkeeping Assistant Anne Scully President, WIB Service Corp. Nancy E. Sheppard President & CEO Ray Smith Assistant Vice President, Trade Shows & Event Management Debbie Southworth Vice President, Events Management Cynthia A. Youll Vice President, Administration & Finance www.wib.org Western Independent Wes Veach President & CEO Canyon Community Bank, NA, Tucson, Ariz. Nancy E. Sheppard President & CEO Western Independent Bankers San Francisco, CA BOARD OF DIRECTORS Scott R. Andrews President, California Region Capitol Bancorp, Ltd. San Diego, CA Frank W. Browning Chairman & CEO Bank of Utah Ogden, UT John E. Fahrendorf, Jr. President & CEO Desert Hills Bank Phoenix, AZ 6 Western Independent Banker http://www.wib.org Table of Contents for the Digital Edition of Western Independent Banker - January/February 2008Western Independent Banker - January/February 2008ContentsA Message from the PresidentCompliance AdministrationFour Realities of Data Security Policy, EnforcementManaging Internet Banking RisksUnderstanding Data Breach Notification LawsThe Effect of Business Continuity Management on Compliance ProgramsBridging the GAAPTop 10 Compliance Fitness Steps for De Novo BanksCommon OFAC Errors and How to Avoid ThemThe Intersection of Equal Credit Opportunity and Sub-Prime LoansLocation-Based Tax Credits for BanksProtect Your Bank and Your CustomersWIB CalendarWelcome New MembersIndex to Advertisersadvertiser.comWestern Independent Banker - January/February 2008Western Independent Banker - January/February 2008 - Western Independent Banker - January/February 2008 (Page Cover1)Western Independent Banker - January/February 2008 - Western Independent Banker - January/February 2008 (Page Cover2)Western Independent Banker - January/February 2008 - Western Independent Banker - January/February 2008 (Page 3)Western Independent Banker - January/February 2008 - Western Independent Banker - January/February 2008 (Page 4)Western Independent Banker - January/February 2008 - Contents (Page 5)Western Independent Banker - January/February 2008 - Contents (Page 6)Western Independent Banker - January/February 2008 - Contents (Page 7)Western Independent Banker - January/February 2008 - A Message from the President (Page 8)Western Independent Banker - January/February 2008 - A Message from the President (Page 9)Western Independent Banker - January/February 2008 - Compliance Administration (Page 10)Western Independent Banker - January/February 2008 - Compliance Administration (Page 11)Western Independent Banker - January/February 2008 - Four Realities of Data Security Policy, Enforcement (Page 12)Western Independent Banker - January/February 2008 - Four Realities of Data Security Policy, Enforcement (Page 13)Western Independent Banker - January/February 2008 - Managing Internet Banking Risks (Page 14)Western Independent Banker - January/February 2008 - Managing Internet Banking Risks (Page 15)Western Independent Banker - January/February 2008 - Managing Internet Banking Risks (Page 16)Western Independent Banker - January/February 2008 - Understanding Data Breach Notification Laws (Page 17)Western Independent Banker - January/February 2008 - Understanding Data Breach Notification Laws (Page 18)Western Independent Banker - January/February 2008 - The Effect of Business Continuity Management on Compliance Programs (Page 19)Western Independent Banker - January/February 2008 - Bridging the GAAP (Page 20)Western Independent Banker - January/February 2008 - Bridging the GAAP (Page 21)Western Independent Banker - January/February 2008 - Bridging the GAAP (Page 22)Western Independent Banker - January/February 2008 - Top 10 Compliance Fitness Steps for De Novo Banks (Page 23)Western Independent Banker - January/February 2008 - Top 10 Compliance Fitness Steps for De Novo Banks (Page 24)Western Independent Banker - January/February 2008 - Common OFAC Errors and How to Avoid Them (Page 25)Western Independent Banker - January/February 2008 - Common OFAC Errors and How to Avoid Them (Page 26)Western Independent Banker - January/February 2008 - The Intersection of Equal Credit Opportunity and Sub-Prime Loans (Page 27)Western Independent Banker - January/February 2008 - The Intersection of Equal Credit Opportunity and Sub-Prime Loans (Page 28)Western Independent Banker - January/February 2008 - Location-Based Tax Credits for Banks (Page 29)Western Independent Banker - January/February 2008 - Protect Your Bank and Your Customers (Page 30)Western Independent Banker - January/February 2008 - Protect Your Bank and Your Customers (Page 31)Western Independent Banker - January/February 2008 - WIB Calendar (Page 32)Western Independent Banker - January/February 2008 - WIB Calendar (Page 33)Western Independent Banker - January/February 2008 - advertiser.com (Page 34)Western Independent Banker - January/February 2008 - advertiser.com (Page Cover3)Western Independent Banker - January/February 2008 - advertiser.com (Page Cover4)http://www.nxtbookMEDIA.com

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