ABA Banking Journal - November 2008 - (Page 24H) About VantageScore 7 VantageScore is a generic credit scoring model that opens doors to the opportunities that having credit creates. VantageScore’s highly predictive model uses an innovative, patent-pending scoring methodology to provide lenders with a consistent interpretation of consumer credit files across all three major credit reporting companies and the ability to score a broad population. This means lenders can help more creditworthy borrowers, and millions of Americans who use credit infrequently can be accurately scored. VantageScore leverages the collective experience of industry leading experts on credit data, credit risk modeling and analytics. The nation’s three major credit reporting companies (CRCs) — Equifax, Experian and TransUnion — worked together to develop a generic credit scoring model that is regularly revalidated. VantageScore marks the first time that the three companies joined forces to produce a model that scores consumers consistently across all three companies. By utilizing cutting-edge, patent-pending analytic techniques, VantageScore provides lenders and consumers with a highly consistent, more predictive score that is easy to understand and apply. For the lender. VantageScore enables mainstream lenders to score more consumers more accurately. The VantageScore model was built utilizing anonymous consumer credit data reflective of current economic conditions. The design methodology and management framework ensures that VantageScore will continue to deliver a highly predictive capability. For the consumer. VantageScore facilitates greater access to credit for the underserved or those with thin credit files who deserve access to credit at fair terms, conditions and pricing. VantageScore also provides score accuracy and consistency for the “full file” consumer. Table of Contents for the Digital Edition of ABA Banking Journal - November 2008 ABA Banking Journal - November 2008 Contents Editor's Column Banking 2.0: Credit, Banking's Essence, Set for Rethinking Snapshot: The Few, the Proud, the Banks that Can Raise Capital Will Strong and Simple Banks Inherit the Business? Back to the Future ABA Resources ABA Chairman's Position Farm Lenders Must Take Care When Lending in Indian Country Pass the Aspirin Into the Breach Adventures Across A Century What the Future Holds, Post Crisis Paul Volcker: A Financial Legend Still Speaks Strong Ed Yingling: Weathering the Storm Dick Kovacevich: "Boring" Banking to Dynamic Financial Services Jim Culberson: Community Banking: What has Changed and What Shouldn't Walter Shipley: How a Chemical Reaction Helped to Mold Today's JPMorgan Chase William Isaac: Challenges and Opportunities Ahead for Banks A Hundred Years from Our Pages Eight Tech Innovations that Brought Banks into 21st Century Bank Cherokee: Third Generaton Marks 100th Year The First National Bank of Altavista: Railroad Gave Birth to a Town, a Hope Chest, and a Bank Rosedales Federal Savings and Loan Association: How a Friendly Game of Cards Turned into a 100-Year Mutual New Washington State Bank: Cooking Up the Next 100 Years Mailbox Banker's Mart To Advertise/Index of Advertisers The Economy ABA Banking Journal - November 2008 ABA Banking Journal - November 2008 - ABA Banking Journal - November 2008 (Page Cover1) ABA Banking Journal - November 2008 - ABA Banking Journal - November 2008 (Page Cover2) ABA Banking Journal - November 2008 - ABA Banking Journal - November 2008 (Page 1) ABA Banking Journal - November 2008 - ABA Banking Journal - November 2008 (Page 2) ABA Banking Journal - November 2008 - Contents (Page 3) ABA Banking Journal - November 2008 - Editor's Column (Page 4) ABA Banking Journal - November 2008 - Editor's Column (Page 5) ABA Banking Journal - November 2008 - Editor's Column (Page 6) ABA Banking Journal - November 2008 - Banking 2.0: Credit, Banking's Essence, Set for Rethinking (Page 7) ABA Banking Journal - November 2008 - Snapshot: The Few, the Proud, the Banks that Can Raise Capital (Page 8) ABA Banking Journal - November 2008 - Snapshot: The Few, the Proud, the Banks that Can Raise Capital (Page 9) ABA Banking Journal - November 2008 - Snapshot: The Few, the Proud, the Banks that Can Raise Capital (Page 10) ABA Banking Journal - November 2008 - Snapshot: The Few, the Proud, the Banks that Can Raise Capital (Page 11) ABA Banking Journal - November 2008 - Will Strong and Simple Banks Inherit the Business? (Page 12) ABA Banking Journal - November 2008 - Will Strong and Simple Banks Inherit the Business? (Page 13) ABA Banking Journal - November 2008 - Will Strong and Simple Banks Inherit the Business? (Page 14) ABA Banking Journal - November 2008 - Will Strong and Simple Banks Inherit the Business? (Page 15) ABA Banking Journal - November 2008 - Back to the Future (Page 16) ABA Banking Journal - November 2008 - Back to the Future (Page 17) ABA Banking Journal - November 2008 - Back to the Future (Page 18) ABA Banking Journal - November 2008 - Back to the Future (Page 19) ABA Banking Journal - November 2008 - Back to the Future (Page 20) ABA Banking Journal - November 2008 - ABA Resources (Page 21) ABA Banking Journal - November 2008 - ABA Chairman's Position (Page 22) ABA Banking Journal - November 2008 - ABA Chairman's Position (Page 23) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24A) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24B) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24C) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24D) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24E) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24F) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24G) ABA Banking Journal - November 2008 - Farm Lenders Must Take Care When Lending in Indian Country (Page 24H) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 25) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 26) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 27) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 28) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 29) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 30) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 31) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 32) ABA Banking Journal - November 2008 - Pass the Aspirin (Page 33) ABA Banking Journal - November 2008 - Into the Breach (Page 34) ABA Banking Journal - November 2008 - Into the Breach (Page 35) ABA Banking Journal - November 2008 - Into the Breach (Page 36) ABA Banking Journal - November 2008 - Into the Breach (Page 37) ABA Banking Journal - November 2008 - Into the Breach (Page 38) ABA Banking Journal - November 2008 - Into the Breach (Page 39) ABA Banking Journal - November 2008 - Into the Breach (Page 40) ABA Banking Journal - November 2008 - Into the Breach (Page 41) ABA Banking Journal - November 2008 - Into the Breach (Page 42) ABA Banking Journal - November 2008 - Into the Breach (Page 43) ABA Banking Journal - November 2008 - Into the Breach (Page 44) ABA Banking Journal - November 2008 - Into the Breach (Page 45) ABA Banking Journal - November 2008 - Into the Breach (Page 46) ABA Banking Journal - November 2008 - Adventures Across A Century (Page 47) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 48) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 49) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 50) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 51) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 52) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 53) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 54) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 55) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 56) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 57) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 58) ABA Banking Journal - November 2008 - What the Future Holds, Post Crisis (Page 59) ABA Banking Journal - November 2008 - Paul Volcker: A Financial Legend Still Speaks Strong (Page 60) ABA Banking Journal - November 2008 - Paul Volcker: A Financial Legend Still Speaks Strong (Page 61) ABA Banking Journal - November 2008 - Paul Volcker: A Financial Legend Still Speaks Strong (Page 62) ABA Banking Journal - November 2008 - Paul Volcker: A Financial Legend Still Speaks Strong (Page 63) ABA Banking Journal - November 2008 - Paul Volcker: A Financial Legend Still Speaks Strong (Page 64) ABA Banking Journal - November 2008 - Paul Volcker: A Financial Legend Still Speaks Strong (Page 65) ABA Banking Journal - November 2008 - Ed Yingling: Weathering the Storm (Page 66) ABA Banking Journal - November 2008 - Ed Yingling: Weathering the Storm (Page 67) ABA Banking Journal - November 2008 - Dick Kovacevich: "Boring" Banking to Dynamic Financial Services (Page 68) ABA Banking Journal - November 2008 - Dick Kovacevich: "Boring" Banking to Dynamic Financial Services (Page 69) ABA Banking Journal - November 2008 - Dick Kovacevich: "Boring" Banking to Dynamic Financial Services (Page 70) ABA Banking Journal - November 2008 - Dick Kovacevich: "Boring" Banking to Dynamic Financial Services (Page 71) ABA Banking Journal - November 2008 - Jim Culberson: Community Banking: What has Changed and What Shouldn't (Page 72) ABA Banking Journal - November 2008 - Jim Culberson: Community Banking: What has Changed and What Shouldn't (Page 73) ABA Banking Journal - November 2008 - Walter Shipley: How a Chemical Reaction Helped to Mold Today's JPMorgan Chase (Page 74) ABA Banking Journal - November 2008 - Walter Shipley: How a Chemical Reaction Helped to Mold Today's JPMorgan Chase (Page 75) ABA Banking Journal - November 2008 - Walter Shipley: How a Chemical Reaction Helped to Mold Today's JPMorgan Chase (Page 76) ABA Banking Journal - November 2008 - Walter Shipley: How a Chemical Reaction Helped to Mold Today's JPMorgan Chase (Page 77) ABA Banking Journal - November 2008 - William Isaac: Challenges and Opportunities Ahead for Banks (Page 78) ABA Banking Journal - November 2008 - William Isaac: Challenges and Opportunities Ahead for Banks (Page 79) ABA Banking Journal - November 2008 - A Hundred Years from Our Pages (Page 80) ABA Banking Journal - November 2008 - A Hundred Years from Our Pages (Page 81) ABA Banking Journal - November 2008 - A Hundred Years from Our Pages (Page 82) ABA Banking Journal - November 2008 - A Hundred Years from Our Pages (Page 83) ABA Banking Journal - November 2008 - A Hundred Years from Our Pages (Page 84) ABA Banking Journal - November 2008 - A Hundred Years from Our Pages (Page 85) ABA Banking Journal - November 2008 - Eight Tech Innovations that Brought Banks into 21st Century (Page 86) ABA Banking Journal - November 2008 - Eight Tech Innovations that Brought Banks into 21st Century (Page 87) ABA Banking Journal - November 2008 - Eight Tech Innovations that Brought Banks into 21st Century (Page 88) ABA Banking Journal - November 2008 - Eight Tech Innovations that Brought Banks into 21st Century (Page 89) ABA Banking Journal - November 2008 - Bank Cherokee: Third Generaton Marks 100th Year (Page 90) ABA Banking Journal - November 2008 - Bank Cherokee: Third Generaton Marks 100th Year (Page 91) ABA Banking Journal - November 2008 - Rosedales Federal Savings and Loan Association: How a Friendly Game of Cards Turned into a 100-Year Mutual (Page 92) ABA Banking Journal - November 2008 - New Washington State Bank: Cooking Up the Next 100 Years (Page 93) ABA Banking Journal - November 2008 - Mailbox (Page 94) ABA Banking Journal - November 2008 - Mailbox (Page 95) ABA Banking Journal - November 2008 - Mailbox (Page 96) ABA Banking Journal - November 2008 - Banker's Mart (Page 97) ABA Banking Journal - November 2008 - To Advertise/Index of Advertisers (Page 98) ABA Banking Journal - November 2008 - To Advertise/Index of Advertisers (Page 99) ABA Banking Journal - November 2008 - The Economy (Page 100) ABA Banking Journal - November 2008 - The Economy (Page Cover3) ABA Banking Journal - November 2008 - The Economy (Page Cover4) http://www.nxtbook.com/nxtbooks/sb/ababj0214 http://www.nxtbook.com/nxtbooks/sb/ababj0114 http://www.nxtbook.com/nxtbooks/sb/ababj1213 http://www.nxtbook.com/nxtbooks/sb/ababj1113 http://www.nxtbook.com/nxtbooks/sb/ababj1013 http://www.nxtbook.com/nxtbooks/sb/ababj0913 http://www.nxtbook.com/nxtbooks/sb/ababj0813 http://www.nxtbook.com/nxtbooks/sb/ababj0713 http://www.nxtbook.com/nxtbooks/sb/ababj0613 http://www.nxtbook.com/nxtbooks/sb/ababj0513 http://www.nxtbook.com/nxtbooks/sb/ababj0413 http://www.nxtbook.com/nxtbooks/sb/ababj0313 http://www.nxtbook.com/nxtbooks/sb/ababj0213 http://www.nxtbook.com/nxtbooks/sb/ababj0113 http://www.nxtbook.com/nxtbooks/sb/ababj1212 http://www.nxtbook.com/nxtbooks/sb/ababj1112 http://www.nxtbook.com/nxtbooks/sb/ababj1012 http://www.nxtbook.com/nxtbooks/sb/ababj0912 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