Spring 2016 Georgia Communities First Magazine by Community Bankers Association of Georgia

SPRING 2016

INSIDE

Official Publication of the Community Bankers Association of Georgia

• 2016 Conventions - Disney & Bermuda! • Community Banking Month • Spring Regional Luncheon Meetings • Day at the Capitol Highlights • Educational Opportunities

Member:

financial services

the speed of life

04 : 47 : 00 PM I keep forgetting to pay my credit card bill.

04 : 49 : 00 PM I paid my credit card bill.

GEORGIA

Communities

INSIDE

SP R I N G 2 0 1 6 CBA STAFF Rob Braswell President & CEO rob@cbaofga.com Steven Rigdon Director of Legislative & Regulatory Affairs steven@cbaofga.com Lindsay Greene Vice President Marketing & Member Services lindsay@cbaofga.com Tony Moore Graphic Design Coordinator tony@cbaofga.com Brittany Locke Marketing & Member Services Assistant brittany@cbaofga.com Peake Wilson Vice President Corporate Events & Leadership Division CBA Corporate Secretary peake@cbaofga.com Teresa Day Administrative & Corporate Events Assistant teresa@cbaofga.com Jodi Swilley Director of Education & Professional Development jodi@cbaofga.com Donna Coutant Education Coordinator donna@cbaofga.com Connie Shepard Education Associate connie@cbaofga.com Tammy Maass CFO tammy@cbaofga.com Nick Wilborn Accounting/IT Coordinator nick@cbaofga.com Jeremy Thomas Graphic Design Intern jeremy@cbaofga.com

FIRST

FEATURES

2 3 5 6 8 11 12 14 16 19 23 26 31

The Importance of Momentum From Farce to Menace

page 12 | CBA Day at the Capitol

April is Community Banking Month! General Counsel Corner: FDIC Issues Guidance on Risk Management Practices for Purchase Loans Spring Luncheons and Golf Tournaments

the promise of

TOMORROW

CBA's Memorial Scholarships

shaping your bank’s future.

38 th An e-Show nual Leade rship Division Convention & Mini Trad

CBA Day at the Capitol Highlights

page 16 | Leadership Division Convention & Mini-Trade Show

CBA Endorses UtiliComm Leadership Division Convention Annual Meeting & Trade Show

BERMUDA

ICBA Elects Executive Committee Educational Opportunities Guest Article: The Great Millenial Debit Drop

page 19 | Annual Meeting & Trade Show

STAY CONNECTED Scan with your smartphone to view our website.

Community Bankers Association of Georgia 1900 The Exchange, Suite 600, Atlanta, GA 30339 (770) 541-4490 or (800) 648-8215 • Fax (770) 541-4496 www.cbaofga.com • cba@cbaofga.com

page 26 | Educational Opportunities

S p r in g 2 0 1 6 | Ge o r g i a C o m m u n i t i es Fi r s t | 1

FROM THE PRESIDENT'S DESK

The Importance of Momentum “Throughout human history, in any great endeavor requiring the common effort of many nations and men and women everywhere, we have learned - it is only through seriousness of purpose and persistence that we ultimately carry the day. We might liken it to riding a bicycle. You stay upright and move forward so long as you keep up the momentum.” - Ban Ki-moon, Secretary General, United Nations How many times have you seen a game or sporting event change in a matter of seconds due to momentum? It happens all the time because of the impact momentum has on the human psyche. Those with momentum feel more confident, powerful and energized, while those without the momentum feel just the opposite. Well, I’m feeling energized and more confident in the cause to relieve community banks from undue regulatory burden due to the momentum from the successes of 2015; and I ask for your assistance in keeping this momentum rolling just as long as possible. As they say, let’s make hay while the sun is shining on us! As a quick recap, here are several of 2015’s successes: Fed Dividends - Congress agreed to exempt most community banks from cuts to dividends paid on Federal Reserve Bank stock. Accounting Update - FASB agreed to extend the Current Expected Credit Loss implementation period to 2019-20 from 2018 or sooner after receiving more than 1,600 messages from community bankers. Mortgage Relief - The final rule broadened small-creditor and rural designations under the Consumer Financial Protection Bureau’s Regulation Z mortgage rules, allowing more community banks to receive Qualified Mortgage legal safe-harbor protection for loans they originate and retain in portfolio, including balloon-payment loans made by rural lenders. It also will provide additional relief from mandatory escrow requirements. Call Report - Banking regulators issued a proposed rule to simplify community bank call reports and laid out their plans for additional reporting relief. Regulatory Representation – A law was passed that requires at least one member of the Federal Reserve Board to have experience as a community banker or community bank supervisor.

2 | w w w .cbaof ga. com | Sp r i n g 2 0 1 6

Rob Braswell President & CEO Community Bankers Association of Georgia

ICBA’s Plan for Prosperity – The House has passed numerous provisions, including relief from mortgage-lending rules, Basel III, Sarbanes-Oxley, the Volcker Rule, and examination and privacy-notice requirements, and some have passed both chambers within the transportation bill. As you know, Washington D.C. is the overwhelming source of legislation and regulation that has been placed on banks in recent history. Therefore, it is critical that we take advantage of the momentum of recent successes and continue to let our congressmen and regulators know that further work needs to be done to alleviate unnecessary burden on community banks. With these successes in mind, I’m asking that you join me and many of your colleagues as we travel to Capitol Hill as part of the April 24 – 27th, ICBA Washington Policy Summit. Over 1,000 community bankers from across the nation will descend upon Washington D.C. to ensure our voices are heard in an impactful way. CBA of GA takes care of many of the details such as scheduling our congressional meetings, arranging travel to Capitol Hill, and planning our group dinners so you can concentrate on the issues at hand. In addition, ICBA has arranged for key legislative and regulatory leaders to meet with us at breakfasts and during an afternoon session. CBA of GA’s delegation was the largest in our history last year, allowing us to divide into two groups and have longer, more impactful meetings with our congressmen. In addition to being beneficial for our lawmakers to hear our challenges firsthand, it’s also very enjoyable to share in the camaraderie of our delegation as we travel the halls of Congress, prepare for the day at breakfasts and relax at the evening dinners. Lastly, how will the nation’s regulators and Georgia’s congressional delegation know the concerns of Georgia’s community banks if we are not there to tell them? I encourage you to join us on this year’s ICBA Washington Policy Summit from April 24th – 27th to ensure they know. I hope you can make the trip! Please feel free to contact me if you have any questions or if we at the CBA can help you in any way. Best regards,

FINER

POINTS

From Farce to Menace So here we go again. It’s yet another disturbing proposal from the National Credit Union Administration to bureaucratically finagle its way around Congress and federal law. Even as nearly one-third of Americans are already members of a credit union, it seems there’s almost nothing the NCUA still won’t try to further expand the market reach and special tax-exempt privileges of the credit unions it supervises. Talk about your captive regulator! When credit unions say “jump,” the NCUA says, “how high?”

Certainly the NCUA’s obsessiveness in pushing against its regulatory limits has had almost no limits in years. In February, the NCUA dramatically expanded loopholes for member-business-lending rules for credit unions, a selfserving and imprudent policy change that only a few large bank-like credit unions could or would take advantage of. More perplexing, the NCUA is championing legislation to allow credit unions to raise investor capital, a maneuver that would jeopardize if not betray the very member-owned model for which the agency so enthusiastically cheerleads.

Last month the NCUA’s sweeping, 167-page proposal to hand federal credit unions virtually unlimited freedom to serve almost any person of any means anywhere rightly drew an avalanche of letters from infuriated community bankers. If adopted by the NCUA’s unelected three-member board, the proposal would impose comprehensive and substantive regulatory changes that would allow federal credit unions to cobble together ever larger, more disparate and more imaginative fields of membership.

The NCUA’s unbounded regulatory mischief has gone from silly to absurd. It’s now bordering on reckless disregard for the red letter of the law.

While the Federal Credit Union Act clearly limits membership in community credit unions to serving individuals and organizations within a well-defined local community, for example, the proposal would recognize some entire congressional districts as local communities. Even more obviously absurd, one provision would allow community credit unions in seven states—Montana, Alaska, Delaware, North Dakota, South Dakota, Vermont and Wyoming—to serve their entire state.

Rest assured that ICBA will vigorously oppose this newest NCUA proposal as a major threat.

Basically, all air-breathing mammals in the United States would qualify to be credit union members. The multiple provisions of the NCUA’s proposal would, in combination, essentially render any field of membership requirements a meaningless policy fig leaf, particularly for multi-common bond credit unions and community credit unions. As ICBA wrote to the NCUA, this proposal makes a mockery of both the plain language and the clear intent of the Federal Credit Union Act. If credit unions or their regulator want to eliminate the common bond requirement, those credit unions should be taxed like banks and be required to shoulder the same set of regulatory standards. Or, more simply, they should adopt a bank or thrift charter.

So, yes, here we go again. But this time around it’s different. By flouting congressional authority, the tax-exempt credit union model intended to serve only people of modest means and limited constituencies is on the verge of becoming fraudulent.

Cam Fine President & CEO Independent Community Bankers of America

S p r in g 2 0 1 6 | Ge o r g i a C o m m u n i t i es Fi r s t | 3

ServisFirst Correspondent Banking Our name is our mission statement.

OUR NAME IS OUR MISSION COATED 78c 58m

Rodney E. Rushing Executive Vice President 205.423.2717 rrushing@servisfirstbank.com

Henry Abbott Senior Vice President 205.423.2797 habbott@servisfirstbank.com

Bill Dacko Senior Vice President- FL 407.496.7669 bdacko@servisfirstbank.com

Karen Grahn Vice President Manager, Credit Card Division 205.949.0330 kgrahn@servisfirstbank.com

J. David Jordan Vice President 205.423.2719 djordan@servisfirstbank.com

Rik Lane Senior Vice President - GA, SC 478.733.0756 rlane@servisfirstbank.com

Steve Shelton Senior Vice President - TN, AR 901.634.1608 sshelton@servisfirstbank.com

Bill Street Senior Vice President - AL, MS, LA 205.423.2718 wstreet@servisfirstbank.com

205.949.0302 www.ser Member FDIC Equal Housing Lender

4 | w w w .cbaof ga. com | Sp r i n g 2 0 1 6

www.servisfirstbank.com | Member FDIC | Equal Housing Lender

April is

Community Banking Month

#BankLocalGA

We’re all about you, so let’s celebrate!

Governor Nathan Deal Proclaims April as Community Banking Month Let CBA Help Your Bank Celebrate! April is Community Banking Month and the Community Bankers Association of Georgia and community banks across Georgia are recognizing the unique spirit that makes community banks the foundation of their communities in cities and towns throughout the state. Governor Nathan Deal recently proclaimed April 2016 as Community Banking Month in Georgia. "Declaring April Community Banking Month recognizes the significant role community banks play in stimulating their local economies through an array of financial services," stated Rob Braswell, President & CEO of CBA. "Our member banks are an integral part of the economic, financial and civic landscape of hundreds of towns and cities in Georgia. Community banks continue to work hard every day to improve the quality of life in their communities because they are part of their community - a uniqueness only community banks can bring to the table. We appreciate Governor Deal recognizing the significant impact community banks are making across Georgia." By participating in Community Banking Month, you have the opportunity to highlight all your bank does to benefit your community. Make your plans now on how you will show appreciation to your loyal customers and demonstrate the importance of community banking to the public. At CBA, we hope you will join the nation in showing off the spirit and love for your community and participate in this year's Community Banking Month! Take advantage of these FREE resources from CBA: • Press release for member banks to distribute to local media • Signed proclamation from Governor Deal • Ways to Celebrate Community Banking Month • Community Banking Month Employee Fact Sheet • Community Banking Month Customizable Op Ed • Banner ads for your website Get Social! Join in the fun on social media by using the hashtag #BankLocalGA. NEW this Year! - CBA has produced banner ads in a variety of sizes for use on your bank's website. For more information, contact Brittany Locke at (770) 5410378 or brittany@cbaofga.com, or visit the Community Banking Month section on the CBA website.

CRS Data

Trust in Accurate Property Reports Meet FDIC regulations without breaking the bank. CRS Data Banker Suite helps lenders comply with Interagency Appraisal and Evaluation Guidelines—and save money doing it.

Since the Dodd-Frank Act, community banks

The Banker Suite can help you be more

have struggled to keep up with lending regulations and remain profitable. CRS Data

efficient, more compliant and more profitable. This comprehensive, customizable, easy-to-

has a solution: The Banker Suite. It’s reliable property data, backed by an award-winning customer support team.

use database helps you stay fully compliant with all 8 points of Interagency Guidance while saving time and money.

S p r in g 2 0 1 6 | Ge o r g i a C o m m u n i t i es Fi r s t | 5

Corner GENERAL COUNSEL

legal news and updates for cba members Have a topic you would like to see covered in “General Counsel Corner?” Email us at generalcounselcorner @ jamesbatesllp.com

cbahotline

@ jamesbatesllp.com

Thomas A. Simpson AssOCiAte (404) 997-7506

tsimpson@jamesbatesllp.com

Michael N. White Of COunsel (478) 749-9921

mwhite@jamesbatesllp.com

Spring 2016

FDIC Issues Guidance on Risk Management Practices for Purchased Loans and Purchased Loan Participations by Thomas A. Simpson and Michael N. White

The FDIC recently published an Advisory on Effective Risk Management Practices for Purchased Loans and Purchased Loan Participations, FIL-49-2015 (the “Advisory”). The Advisory sets forth “regulatory expectations” for state non-member banks in purchasing loans and participations. The Advisory is likely motivated by the growing market for loans originated by non-bank third party originators, such as marketplace lenders. The Advisory applies by its terms only to state non-member banks, but we expect that other regulators will look to the Advisory for guidance. Although the Advisory provides suggestions on several topics related to the purchase and administration of a loan or participation, this article discusses only five of those topics.

procedures. The Advisory makes clear that banks should understand all the terms, conditions and limitations of such loan purchase or participation agreements. Banks should also understand what, if any, limitations a loan sale or participation agreement places on the purchasing bank, such as the ability to participate in loan modifications or take actions on defaulted credits, to sell or transfer the bank’s interest in the loan, to decline to make additional advances and to decline to purchase loans underwritten using revised models for which the purchasing bank has not yet performed due diligence. The Advisory further states that banks should seek appropriate legal counsel to review purchase and participation agreements to determine the institution’s rights, obligations and limitations.

1. Loan Policy Guidelines According to the Advisory, any bank purchasing loans or loan participations from third parties should ensure that the bank’s loan policy outlines specific procedures for the subject loans, contains clear definitions of the types of loans acceptable for purchase, establishes concentration limits, requires an assessment of the bank’s rights, obligations, and limitations under any loan purchase agreements or participation agreements and establishes clear underwriting and administration requirements.

4. Due Diligence of Third Parties The Advisory acknowledges that the market for credits originated by non-bank entities is growing. To manage the perceived risks of purchasing loans and participations through brokers, sellers and non-bank originators, the Advisory states that banks should conduct preliminary and on-going due diligence on any such third parties. According to the Advisory, due diligence (1) should not be outsourced, (2) should be performed with respect to any third party the purchasing bank relies on, including the loan broker, seller, originator or servicer and (3) should review the third party’s financial capacity, business reputation, experience and regulatory compliance track record.

2. Independent Credit and Collateral Analysis According to the Advisory, banks that purchase loans or participations should perform the same degree of independent credit and collateral analysis as if they were the originator. Banks should have the knowledge and internal expertise specific to the type of loans or participations purchased and should obtain all appropriate information from the seller to make an independent determination about the borrower’s creditworthiness. Banks should also determine whether the loans or participations purchased are consistent with the board’s risk appetite and loan policy prior to committing funds and on an ongoing basis. If a bank relies on a third party’s credit models, the bank should perform due diligence to assess the validity of the credit model. The Advisory also counsels banks to ensure that the expected rate of return on the loan or participation is commensurate with the level of risk taken after accounting for the costs of obtaining the expertise needed to oversee these credits. 3. Loan Purchase and Participation Agreements The Advisory contains specific guidelines regarding the terms of loan sale and participation agreements. Under the Advisory, such agreements should describe each parties’ roles and responsibilities with specificity, should establish requirements for obtaining timely information and reports, including ongoing credit information, should specify the bank’s remedies upon default and bankruptcy, should specify each parties’ voting rights with respect to the underlying credit and should outline dispute resolution

5. Governance Considerations The Advisory provides that banks should incorporate risk management procedures for purchasing loans and participations into the bank’s governance processes. For instance, bank management should ensure that prior approvals from the board, or an appropriate board committee, are obtained as necessary, including before entering into material third-party agreements. Further, bank management should ensure that board reports contain sufficient detail to accurately reflect the activity levels, performance and risks of purchased loans and participations. Additionally, banks should ensure that loan purchase and participation programs are incorporated into the bank’s audit and loan review programs. Conclusion The issuance of the Advisory suggests that the FDIC is concerned with the increasing levels of loans and participations purchased through non-bank third parties. With respect to a specific institution, regulatory concern is likely to increase if purchased loans and participations constitute a material portion of a bank’s asset portfolio. The Advisory contains useful suggestions for implementing and administering a program that allow will allow banks to acquire profitable loans and participations from third parties without raising regulatory concerns or acquiring unnecessary or unheeded risks.

PRESENTED BY GEORGIA’S LAW FIRM: OFFICES

“General Counsel Corner,” a recurring column featuring legal news and information of interest to CBA to you by James-Bates-Brannan-Groover-LLP. Visit us at GeorgiasLawFirm.com

6 | w w w .cbaof ga. com | Sp r i n g 2is0 brought 16 MACON + ATLANTA members,

Are you a member of CBA’s GO Club? Earn a FREE Registration to the Annual Meeting & Trade Show! This year, we kicked off the CBA GO Club membership campaign. The reward for becoming a GO Club member and maintaining your bank’s membership throughout the year is receiving a FREE registration to CBA’s Annual Meeting & Trade Show! In order to join and maintain, a bank should have at least one representative attend each of the following events: CBA Day at the Capitol

3rd annual

womenin banking seminar

Wednesday, February 17th, Atlanta

Women in Banking Seminar Thursday, March 10th, Macon

A Seminar Focused on Educating Women in Today’s Business World.

8th Annual CBA Bank Directors’ & Executive Management OR Conference rd Wednesday, March 23 – The Cobb Energy Performing Arts Centre, Atlanta

7th Annual CBA Georgia Bank Directors College Monday, August 22nd – The Ritz-Carlton Lodge, Reynolds Plantation, Greensboro (Attendees can pre-register to qualify.)

One of Three Spring Regional Luncheons Monday, March 28th – Idle Hour Country Club, Macon Wednesday, April 13th – Reunion Golf & Country Club, Hoschton Wednesday, April 20th – Doublegate Country Club, Albany

the promise of

TOMORROW shaping your bank’s future.

38 th Annu sion Conventio Al leAdership d-isvihow n & Mini trAde

Wednesday Sunday, June 22-26,

38th Annual Leadership Division Convention & Mini-Trade Show Wednesday - Sunday, June 22nd – 26th, Disney's Contemporary Resort, Lake Buena Vista, FL

2016

COMMUNITY BANK

LEADERSHIP ACADEMY

All three Community Bank Leadership Academy offerings Idle Hour Country Club, Macon (Attendees can pre-register for August and October programs to qualify) March 16th • August 17th • October 19th

To learn more about the CBA GO Club, please call the Association office at (770) 541-4490 or (800) 648-8215.

Announcing Nominations for the 2016 Lifetime Service Awards CBA is proud to recognize bankers who have devoted 30 or more years of service to the banking industry with the Lifetime Service Award. The Association is extremely grateful to these individuals who have served as role models to the banking community. Honoring them is a small token of CBA’s appreciation for their efforts to the banking industry. As part of the recognition, honorees receive a commemorative plaque, and CBA will feature the honorees in various CBA publications, as well as in the local media. Honorees with 50 or more years of service also receive a customized gold and diamond lapel pin.

All of the year’s honorees are invited to receive their plaque at CBA’s Annual Meeting & Trade Show during the event’s Chairman’s Banquet. If you or someone in your bank is celebrating 30 or more years of service as a banker, please let CBA know in order for us to recognize you and/or your staff at future events and in our publications. For more information contact Peake Wilson at peake@ cbaofga.com or (770) 541-0379/(800) 648-8215. For bios and photos of the 2015 recipients, please visit CBA’s website, www.cbaofga.com, and click on the Communications tab, then Lifetime Service Awards.

S p r in g 2 0 1 6 | Ge o r g i a C o m m u n i t i es Fi r s t | 7

SPRING REGIONAL LUNCHEON MEETINGS

7th Annual

& PAC/PR GOLF TOURNAMENTS

Macon

Monday, March 28

Hoschton

Wednesday, April 13

Albany

Wednesday, April 20

March & April 2016

Practice Your Swing and Get Ready for CBA’s 2016 Spring Regional Luncheon Meetings & PAC/PR Golf Tournaments! Each Spring Regional Luncheon will begin at 10:30am with the popular Legislative Update, Accounting Update & Bankers Only Peer Group Meeting, during which bankers may openly discuss hot topics important to them and receive feedback from their peers. Also during this time, hear a Legislative Update presented by Dan Brannan, Partner, James-Bates-Brannan-Groover, LLP (General Counsel and the Luncheons’ Exclusive Sponsor) and an Accounting Update from Tim Veal, Partner, Nichols Cauley & Associates, LLC. All bankers are kindly encouraged to attend this intimate yet open peer group exchange. There is no additional cost to attend. Immediately following the Peer Group Meetings will be Registration/Networking for all Luncheon and Golf participants. Promptly at 11:45am the buffet lines will open and we’ll begin the informative luncheon program. This year’s program will educate you on “Avoiding Collateral Damage” (with cautionary tales) presented by Bob Koncerak, President, Cold River Land, LLC, Alpharetta and “The Invisible Customer – A Look at National Trends in Financial Technology” presented by Scott Mills, President, William Mills Agency, Atlanta. New in 2016, we’ve added a bonus feature: retired community banker and long-time friend of the CBA, Neil Joiner will add a bit of comedy to the luncheon with his presentation, “I’m Coming Clean: Neil Joiner Tells All.” The program will adjourn at approximately 1:20pm. A PAC/PR Golf Tournament will follow each luncheon meeting with a shotgun start at 2:00 pm. Cash prizes will be awarded during the post-tournament cookout featuring burgers, dogs, all the fixins and assorted beverages. The Golf Tournaments benefit CBA’s PAC/PR Funds, so make plans now to play and network! CBA of Georgia maintains the only state PAC working exclusively for Georgia’s community banks. “Avoiding Collateral Damage” (with cautionary tales) Bob Koncerak, Cold River Land, LLC In addition to being named President of Cold River Land, LLC, Bob is also principal of BankForward Consulting, LLC, which provides strategic planning and performance management services to financial institutions. He has over 30 years of experience in financial services and asset finance-related roles, ranging from positions in the capital markets to corporate finance and commercial banking. Over the past 16 years, Bob has served as Capital Markets CFO at Wachovia Bank and de novo EVP/CFO at Touchmark National Bank. Earlier in his career, Bob served as Assistant Treasurer/Director of Investor Relations for J&L Specialty Steel in Pittsburgh, PA. Avoiding Collateral Damage is a presentation drawn from the Things We Have Learned series by Cold River Land, LLC. Along with a few “cautionary tales”, ACD includes a summary of key issues to watch for in the management of real property and C&I collateral. Included topics: monitoring tax exemptions, super-liens and lien sales, C&I diligence and issues in conducting a real property collateral audit. “The Invisible Customer – A Look at National Trends in Financial Technology” Scott Mills, William Mills Agency Scott Mills is President of William Mills Agency. He is responsible for guiding the account teams, monitoring tactical activities as they relate to the strategic plan, day-to-day management of the agency and customer service. Since joining the agency in 1989, he has worked in both creative services and client relations. 8 | w w w .cbaof ga. com | Sp r i n g 2 0 1 6

Mills is also the editor of Bankers As Buyers, an annual guide to technologies and spending trends in the financial services industry. “The Invisible Customer”: Banks are constantly evolving and growing to meet the expectations of today’s “invisible” customer. To remain competitive in this challenging marketplace, financial institutions must embrace innovative technologies and services to provide the best experience for their customers. This presentation will provide ideas and concepts and will focus on key trends impacting the banking industry this year. “I’m Coming Clean: Neil Joiner Tells All” And, as a special treat, recently retired community banker and long-time friend of CBA, Neil Joiner will take the stage and briefly entertain us with his humorous tales. December 31, 2015, marked the end of Neil Joiner’s dedicated service to the banking industry of Dooly County. Joiner’s retirement comes after 35 years of banking; first as a loan officer and president for Bank of Dooly and eventually as City President for South Georgia Banking Company’s Vienna branch. Joiner has served in various positions with the Community Bankers Association of Georgia (CBA), including several terms as a Board Member. Neil and his wife, Jane, have triplets and four grandchildren. The Joiners are active in Vienna First Baptist Church where Neil currently serves as deacon, church pianist and Sunday school teacher. A Special Thanks to our Spring Regional Luncheon Sponsor

AGENDA FOR EACH MEETING: 10:30 a.m. Bankers Only Peer Group Meeting 11:15 a.m. Networking & Registration 11:45 a.m. Buffet Opens 11:55 a.m. Welcome Remarks NOON “Avoiding Collateral Damage – Things We Have Learned” Bob Koncerak, President, Cold River Land, LLC, Alpharetta 12:30 p.m. “The Invisible Customer – A Look at National Trends in Financial Technology” Scott Mills, President, William Mills Agency, Atlanta 1:00 p.m. “I’m Coming Clean: Neil Joiner Tells All!” Neil Joiner, Retired Georgia Community Banker, Vienna 1:20 p.m. Closing Remarks / Adjourn 2:00 p.m. Leadership Division PAC/PR Golf Tournament (Shotgun Start) 6:00 p.m. Post-tournament Cookout

THANK YOU TO OUR GOLF TOURNAMENT SPONSORS

Beverage Cart All 3 Tournaments

Range Balls All 3 Tournaments

Longest Drive/Closest to the Pin All 3 Tournaments Hole Sponsors - All 3 Tournaments

Post-Tournament Cookout - Albany

Post-Tournament Cookout - Macon

PRICING PER LOCATION: Members: Lunch Only - $55 per person Lunch & Golf - $150 per player or $125 per player when registering a foursome Non-Members: Lunch & Golf - $200 per person | Lunch Only - $85 per person Registration is open! For Golf Tournament sponsorship opportunities, contact Lindsay Greene at Lindsay@cbaofga.com or 770-541-0376. For general information, contact Peake Wilson at Peake@cbaofga.com or 770-541-0379.

Hole Sponsor - Hoschton

Hole Sponsor - Macon

Hole Sponsor - Albany

3rd annual

womenin banking seminar

Thursday, March 10, 2016 "An Uplifting Experience"

Idle Hour Country Club CBA’s Leadership Division hosted a successful 3rd Annual Women In Banking Seminar in Macon on March 10. Attendees enjoyed the Macon, GA encouraging and motivational messages delivered by the event's speakers. Cathy Adams, EVP & COO, Federal Home Loan Bank of A Seminar Focusedwhich on Educating Atlanta, spoke of her professional experiences helped herWomen in Today’s Business World. become a leader in today’s business world as well as a mentor to others. Jodie Charlop, Executive Coach and Founding Partner, Exceleration Partners, delivered a high-energy message about how to master the varying stages of a woman’s career in order to succeed. Gaye Hanson, Great Motivations, shared stories from her personal journey during which she overcame many obstacles and downfalls. Her message was one of hope, faith, kindness and strength. She also encouraged the audience to share those things with others. “It’s very uplifting for women to hear these topics,” stated Becky Powell, EVP/COO, Community Banking Company of Fitzgerald. Liz Galazka, SVP of Business Development, Affinity Bank, Atlanta, said “Very productive time spent today! Would recommend this program to anyone in a leadership role.” CBA is very grateful for our WIB sponsors. Events like the Women In Banking Seminar would not be possible without them. THANKS TO OUR 2016 SPONSORS

Speaker Jodie Charlop

Continental Breakfast

Luncheon

Goodie Bags

Name Badges

Speaker Gaye Hanson

S p r in g 2 0 1 6 | Ge o r g i a C o m m u n i t i es Fi r s t | 9

SPRING 2016

PAC/PR CLAY SHOOT

CBA’s Semi-Annual PAC/PR Clay Shoot a Huge Success On Thursday, March 24, CBA's Leadership Division hosted its most successful PAC/PR Clay Shoot ever. The event was held at Wynfield Plantation in Albany. To view photos, please visit www.cbaofga.com/pacprclay-shoot. Special thanks to Jason Rooks, Flint Community Bank, for his assistance in the success of this great event! Watch for details for the Fall 2016 Clay Shoot in North Georgia. The CBA maintains the only state PAC working exclusively for Georgia’s community banks.

We are very grateful for our generous sponsors! PREMIER SPONSOR

12-GAUGE SPONSORS

28-GAUGE SPONSORS

STATION SPONSORS

1 0 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

20-GAUGE SPONSOR

DRINK SPONSOR

CBA’s Memorial Scholarships Due April 15th! If you are looking to spread goodwill and the important of community banking in your area, then be sure to participate in the 2016 Hester and Walraven scholarships. Please visit www.cbaofga.com to download the applications, and encourage students and full-time employee students to apply!

2016

MEMORIAL SCHOLARSHIPS

Julian & Jan Hester Memorial Scholarship

J. Steven Walraven Scholarship

Opportunity for High School Seniors

Opportunity for Bank Employees

The Hester Scholarship is open to Georgia high school seniors who will be entering a Georgia college, university or technical school (two year program or more) in the 2016 fall semester. The scholarship is named after the late Jan Hester, daughter of Lalia and the late Julian Hester, longtime CEO of the CBA. The four winning recipients will be awarded a $1,000 scholarship.

The Walraven Scholarship is awarded in the amount of 500 to a bank employee who desires to continue their education while working full-time at a CBA member bank. The scholarship is named after the late J. Steven Walraven, an active community banker who exemplified professionalism and community involvement. To compete, employees must write a short essay on how community banking has impacted their life and how it will enable them to give back to their community.

Applications should be returned to your bank no later than Friday, April 8, 2016. All completed applications should be submitted to CBA no later than Friday, April 15, 2016. Only complete applications will be accepted. A panel of independent judges will review the applications and winners will be announced in May 2016. For more information on either of these scholarships, contact Tony Moore at CBA by tony@cbaofga.com or (770) 541-4490. CBA’s Leadership Division proudly assists with the scholarship initiative.

With a 360° perspective, our financial services team is with you every step of the way. More than 125 banks in the Southeast depend on Elliott Davis Decosimo for personal attention, industry experience and services, including external and internal audit, SEC reporting, M&A consulting, taxation and compliance. Our financial services practice is more than 100 professionals strong, with a 60-year reputation for helping banks operate stronger, wiser, better. Let us help you move forward.

Georgia

North Carolina

Ohio

South Carolina

Te n n e s s e e

Virginia

elliottdavis.com

S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 11

CBA's Members Made their Voices Heard during Day at the Capitol Event The morning portion of CBA’s Day at the Capitol event featured visits by many of Georgia’s key legislative leaders and the opportunity to express first-hand our members support or concerns regarding several key bills affecting the banking industry. A few of the bills discussed included SB 283 – Multibank Collateral Pledging Pool, by Sen. John F. Kennedy (R), SB 282 - Georgia Firearms Industry Nondiscrimination Act, by Sen. Jesse Stone (R) and SB 255 – The Garnishment Code Review, also sponsored by Sen. Jesse Stone.

At noon, the CBA delegation enjoyed a wonderful lunch in the Georgia Room of the Sloppy Floyd Building. Following CBA’s annual winter Board of Directors Meeting, members attended a briefing in which attendees heard an update on the agency and Department-sponsored legislation from Commissioner Kevin Hagler of the Georgia Department of Banking & Finance and a legislative and legal update from CBA Counsel Dan Brannan of James-Bates-Brannan-Groover, LLP. The Legislative Reception began immediately following the briefing. Members and legislators took advantage of the opportunity to network and catch up. The beautiful, mild weather made for a spectacular view from the 20th floor during the reception as the sun set beyond the Capitol dome. The CBA is very grateful to everyone who supported and participated in the 2016 Day at the Capitol.

Thank you to the event’s exclusive sponsor!

ERS

ASSOCIA TIO

O EO RG

G IA

COM

1 2 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 13 ICBA_8387 Bancard V2.indd 1

11/16/15 2:21 PM

Community Bankers Association of Georgia Endorses UtiliComm Solutions, Inc. The Community Bankers Association of Georgia (CBA) is pleased to announce the endorsement of UtiliComm Solutions, Inc. for telecommunication solutions. The Community Bankers Association conducts an extensive due diligence before selecting a company as an Endorsed Member Company (EMC). UtiliComm Solutions, Inc., headquartered in Cumming, GA, earned the approval of both CBA’s Member Services Committee and the Board of Directors. UtiliComm Solutions, Inc. provides communications hardware and telecom services for over 100 financial institution locations and more than 200 small to medium size general business clients in more than 30 states. “UtiliComm Solutions helps community banks improve their communications and enhance customer service while streamlining operations,” explained Mark Tressler, Vice President, Client Development at UtiliComm Solutions. “Our end-to-end, customer-focused services include consulting, design, implementation and ongoing support. Our trained and certified staff provides a single expert source for all your voice and data communications needs.” “We are extremely pleased to announce the endorsement of UtiliComm Solutions, stated Rob Braswell, President & CEO of the Community Bankers Association of Georgia. “UtiliComm has a proven track record of success helping community banks enhance their communications. Their team has earned toplevel industry certifications and has extensive field experience in the design, installation and support of IP communications systems. UtiliComm offers CBA member banks an opportunity to obtain industry-leading communications products and services at discounted rates. During our due diligence, we spoke with numerous UtiliComm clients who found them to be very competitive and provided extraordinary value and customer service.”

CBA members can take advantage of these exclusive offers: • ShoreTel Unified Communications platform. ShoreTel provides advanced communications features in a system that is easy to manage and use. The ShoreTel UC platform consistently ranks highest in customer satisfaction surveys while offering the lowest total cost of ownership in the industry. CBA members who purchase a ShoreTel UC system will receive five years of support billed annually at the fiveyear paid-in-advance discounted rate (15%). • Carrier services. Selecting the right carrier services can be a confusing headache. UtiliComm simplifies the process by offering solutions from industry leaders such as AT&T, the most powerful wireline and wireless provider for business services. CBA members receive a no-cost telecom contract and expense review, including an onsite visit as needed to verify and cross-reference services in use against those billed. • Guest Wi-Fi. By offering free guest Wi-Fi, banks can increase branch traffic and the duration of the customer’s stay. UtiliComm has expertise in the design and installation of secure yet cost-efficient guest Wi-Fi networks. CBA members receive standardized costs for hardware and deployment, with single point of ordering, support and billing of the hardware and ISP services. Visit http://www.utilicomm.com/utilicomm-is-proud-to-servethe-community-bankers-association-of-georgia or for more information, contact Mark Tressler, Vice President, Client Development at (678) 965-2200 or mtressler@utilicomm.com.

CBA of Georgia Welcomes New Associate Members The Community Bankers Association of Georgia (CBA) would like to welcome new Associate Members which were recently approved at the Board of Directors Meeting. Throughout the year, CBA’s Board approves quality vendors who provide products and services to CBA members. For more information on becoming an associate member, contact Lindsay Greene at (770) 541-0376. J.B. Lloyd & Associates Mr. Fred Eickhoff Punta Gorda, FL Insurance Services

1 4 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

Richard C. Wayne & Associates, P.C. Mr. Richard Wayne, Sr. Atlanta, GA Legal Services

UtiliComm Solutions, Inc. Mr. Mark Tressler Cumming, GA Telecommunications

Highlights from Macon's Interactive Banker Regulatory Forum! CBA hosted a Banker Regulatory Forum on Thursday, February 4, at the Idle Hour Country Club in Macon. An impressive gathering of bankers, endorsed and associate members and regulators attended to discuss key regulatory issues impacting the industry. During the forum, regulators answered questions focused on the DBF’s technology conversion, the merger and/or acquisition between banks and credit unions, possible regulation of financial technology firms, upcoming changes in call report preparation, rising interest rates, cybercrime and cybersecurity, and possible growing concerns regarding interest rate risk, credit risk and commercial real estate lending. Following lunch with the regulators, the bankers’ only roundtable included a legal update provided by Dan Brannan, Partner, JamesBates-Brannan-Groover (CBA General Counsel and Associate Member) and additional discussion of timely hot topics.

Special Thanks to our Exclusive Sponsor CBA’s next Banker Regulatory Forum will be held on Thursday, May 5, 2016, at CBA Headquarters in Atlanta. Contact CBA to learn more and register today!

Have it all

Fannie Mae, Freddie Mac, FHA, VA, USDA, Jumbo

Stand out

One Time Close - Construction to Permanent Loans

Lower the cost Be compliant Keep it simple

Have it your way Choose wisely

Choose Crescent

Free Loan Origination Software, documents & disclosures, E-Sign & Secure Delivery Copies of all compliance testing performed. No recourse except originator fraud Optional Contract Processing Correspondent (closing in your name) or Wholesale (closing in our name) CBA of GA Endorsed Member, Community Bank owned, FDIC due dilligence package available

Since our inception in 1993, Crescent Mortgage Company has partnered with community banks to promote your safety and soundness, profitability, and growth. Now working with community banks in 45 states, find out why community banks choose wisely; Community Banks choose Crescent Mortgage Company. Call us today. You will be glad that you did.

Ashli Matson | Vice President (770) 714-5417 | amatson@crescentmortgage.net

S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 15

ERS

ASSOCIA TIO

G RG

COM

Wednesday - Sunday June 22-26, 2016

the promise of

TOMORROW shaping your bank’s future. 38 th An e-Show nual Leade rship Division Convention & Mini Trad

Disney’s Contemporary Resort Lake Buena Vista, FL

CBA’S LEADERSHIP DIVISION IS RETURNING TO DISNEY! In our winter magazine, we proudly introduced the Convention Emcee, David Peterson and our two keynote speakers, Michael Broome (Friday) and Coach Bill Curry (Saturday). Now, we are pleased to introduce the other amazing speakers and features of the 38th Annual Leadership Division Convention & Mini-Trade Show being held at Disney’s Contemporary Resort, Wednesday-Sunday, June 22-26, 2016. This year’s convention theme is “The Promise of Tomorrow: Shaping Your Bank’s Future.” Join us and your peers as we all look ahead to the future of our industry. We will cover such topics as cyber threats and cyber security presented by Barry Hensley of Dell Barry Hensley SecureWorks in addition to winning over Gen Y presented by Keith Brannan, with Kasasa. Returning features include:

Keith Brannan

“A Conversation with the Regulators,” moderated by Michael White, Of Counsel, James-Bates-BrannanGroover, LLP. Lori Godfrey, Deputy Commissioner for Supervision, Georgia Department of Banking & Finance, Jason Sisack, Assistant Deputy Comptroller, OCC, and Assistant Regional Director, Tim Hubby, Michael White FDIC will be providing their insight and advice while you, the audience, provide your feedback on the given questions. PAC/PR 5k and Kids’ Fun Run – this popular feature has a new day this year. We will host this fundraising activity on Friday beginning at 6:00 am right outside the Contemporary Resort. All runners will receive a commemorative t-shirt. Awards will be given to the top two female runners and top two male runners (both adults and kids)! The cost is $20 per runner in advance and $25 per runner onsite.

1 6 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

“7-Minute Spotlight” – this feature began in 2014 at CBA’s Annual Meeting & Trade Show and became an instant hit with sponsors and attendees alike! This year is no exception. Bankers and bank directors are eligible to win $1,000 in cash on the spot just for attending a 7-minute presentation by UtiliComm Solutions, Inc. Family Entertainment – Following the Thursday night Chairman’s Family Dinner, get ready for an amazing entertainer – Ivan Pecel! He “makes juggling tolerable!” Leave every notion of what you thought a juggler was at the door. Ivan brings the term “high energy” to an entirely different level by delivering an unforgettable show unlike anything you have seen before. As Ivan Pecel funny as a stand-up comic and as skilled as a Chinese acrobat, Ivan has appeared on Comedy Central, America’s Got Talent and the “Tonight Show with Jay Leno.” Whether Ivan is blindly kicking a flaming torch over his head or juggling ping pong balls using only his mouth, his show is sure to delight any size audience. His comedy will have you rolling and his skills will have you amazed! Mini-Trade Show – the format of our Leadership Division MiniTrade Show continues to please both attendees and exhibitors. We are grateful to the 30+ exhibitors who continue to support our efforts and our community bankers by providing timely and affordable products and services for success and efficiency in this ever-evolving industry of ours. The Mini-Trade Show will take place on Friday morning 9:00 – 11:00. Fun at Disney! – Attendees of the 38th Annual Leadership Division Convention & Mini-Trade will enjoy discounted rates at all of Disney World’s parks and attractions. Please contact Peake Wilson at the CBA office to learn more – Peake@cbaofga.com or call (770) 541-0379 / (800) 648-8215.

THE KEYNOTE ADDRESSES MICHAEL BROOME FRIDAY, JUNE 24 Regardless of your profession, Michael says “we are all in the people business.” He gives applicable ideas and comical examples about enhancing our attitudes and our ability to serve employees, peers, and customers. Our chances of success increase through collaboration with peers. These partnerships occur when we bridle our ego, acknowledge others’ skills and celebrate their successes. Solution-oriented people seek the company of others who are wiser and more accomplished. They also understand the value of accountability. Leadership is not only demonstrated by the standards we set, but by what we are willing to tolerate. Organizations that are led by this principle are composed of people who say, “I like myself better because of the person you have helped me become.” We all have blind spots and sometimes we need others to open our eyes. Solution-oriented people know that leadership is more than standing up and screaming “charge!” It is shown by the quiet way we demonstrate our empathy and values. It’s refining our ability to listen and persuade, critique and praise, and laugh at our foibles. It’s continuing to improve our people skills, committing to causes greater than ourselves and learning from adversity. This program is emotionally powerful, intellectually penetrating and spiced with the spontaneous good humor that is Michael’s trademark.

COACH BILL CURRY SATURDAY, JUNE 25 Bill Curry has spent his entire adult life as a leader and communicator. His NFL career included two Super Bowl titles and a stint as the President of the NFL Players Association. Bill served as head football coach for Georgia Tech (’80-’86), the University of Alabama (’87-’89), and the University of Kentucky (’90-’96). In 1989, Bill was recognized as the nation’s top coach with the Bobby Dodd National Coach of the Year Award. From 1997 to 2008, Bill came into millions of homes each football Saturday as an analyst for ESPN. In September 2006, the American Football Coaches Association announced Bill as the recipient of the 2007 Amos Alonzo Stagg Award in honor of his outstanding service toward the advancement of the best interests of football. In June 2008, Bill was selected to be the inaugural head coach of Georgia State University’s new football program. Bill’s book – Ten Men You Meet in the Huddle – was released in August 2008 by ESPN books and was praised by author Pat Conroy as “the best book about the NFL” that he ever read. In March 2013, Bill joined former player Pete Wellborn and communications expert Jeff Battcher to form Curry, Wellborn & Battcher, LLC, a company offering leadership and success training and sports-related crisis communications services.

AGENDA AT A GLANCE

PRICING

Wednesday Afternoon & Evening Convention Registration Leadership Division Board of Directors Meeting & Dinner (by Invitation Only)

First Attendee: $495* Exhibitor: $1195* (includes Mini-Trade Show and all Convention Functions) Each Additional Attendee from same Bank/Company: $425* Spouse: $75 Children 17 and under are FREE! Adult Children 18+, Family Member & Guest: $100 each** PAC/PR Run: $20 in advance; $25 onsite

Thursday Afternoon & Evening Convention Registration Exhibitor Set-Up Opening Reception Chairman’s Family Buffet Dinner Family-Friendly Entertainment Friday Morning 5k & Fun Run – ON A NEW DAY Exhibitor Set-Up Hot Breakfast Buffet with Exhibitors General Session Mini-Trade Show & Networking Break Friday Keynote Address – Michael Broome Friday Afternoon Afternoon & Evening Free Saturday Morning Continental Breakfast with Hot Item General Session 7-Minute Spotlight Saturday Keynote Address – Coach Bill Curry Convention Adjourn – Afternoon & Evening Free Sunday Departures

DISNEY’S CONTEMPORARY RESORT Discover the modern magic of a true Disney masterpiece at Disney’s Contemporary Resort. Rising majestically between the shores of Bay Lake and Seven Seas Lagoon, the resort offers breathtaking views of Magic Kingdom® Park, Cinderella Castle, Bay Lake or the Orlando skyline. Inside, modern art and contemporary conveniences surround guests as sleek monorails glide through the stunning 90-foot atrium lobby.

Disney's Contemporary Resort Info:

For single/double occupancy - $250 per night. There is a $25 per person, per night fee for additional occupants (18+). All rates are taxable. The discounted group rate is available through Monday, May 23rd o r until the CBA block is full. This is a very popular destination so you are encouraged to reserve your room today! For reservations, contact Group Reservations at (407) 939-4686 and mention “CBA Annual Leadership Division Convention” to receive the group rate. S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 17

MEET THE EXHIBITORS ACG • ATM Response • Atris Technology • BankSmart • BankSouth Mortgage Wholesale Division • BASYS Processing Capital Partners CDC • CBIZ • CNA • Consolidated Banking Services • CRS Data • CSRA Business Lending Cummins-Allison Corporation • Dell SecureWorks • DeNyse Companies • Federal Reserve Bank FirstBank Correspondent Mortgage Partners • Genesys Technology Group, LLC • Intercept Consulting Group Kasasa • Point to Point Environmental • Sageworks • Saltmarsh, Cleaveland & Gund Secured Retirement Strategies Group, LLC • SHAZAM • State Bank Mortgage TJS Deemer Dana LLP • TransUnion • Travelers • Triad Financial Services, Inc.

THANK YOU TO OUR SPONSORS! Platinum Sponsors

Silver Sponsors

Bronze Sponsors

General Sponsor

Individual Event Sponsors Board Appreciation Dinner

Board Appreciation Reception

Compensation Advisors Keynote Speaker Bill Curry

Registration Packet & Friday Networking Break

Saturday Break

Welcome Refreshments

7-Minute Spotlight

Photo Booth

Hotel Keys Cards

Board Meeting Refreshments/Presentation Friday & Saturday Cash Prize

Convention Program

Name Badges

5k & Fun Run Premier Sponsor

T-Shirt Sponsors

Sponsorships still available!

1 8 | w w w . cbaof ga. com | Wi n t e r 2 0 1 6

Convention Totes

Friday Promo Materials

B N E I RMUDA S U N I ! JO wednesday-sunday, july 20-24, 2016 fairmont southampton resort, bermuda

W in t e r 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 19

BERMUDA wednesday-sunday, july 20-24, 2016 • fairmont southampton resort, bermuda “Passport Required.” It’s been a long time since we’ve had to include that statement in our Convention marketing and we are thrilled to be including it now! Join us and your colleagues and peers for this amazing trip to the Fairmont Southampton, Bermuda, Wednesday-Sunday, July 20-24th. During the convention, we’ll hear a national community banking update from ICBA’s Chair, Rebeca Romero Rainey. J. Pat Hickman, Chairman & CEO, Happy State Bank, Happy, J. Pat Hickman Rebeca Romero TX, will share with us his success Rainey stories and advice on how to continue growing your bank. Jimmy Sawyers, Sawyers & Jacobs LLC, Collierville, TN, will share with us, “Five Trends That Will Change Your Bank Forever.” Philip Smith, President, Gerrish McCreary Smith Consultants and Attorneys, Memphis, TN, will teach, “How NOT To Sell Your Bank.” During Saturday’s keynote address, be wowed Jimmy Sawyers by the hard work, dedication and motivation of Herschel Walker, award-winning college football and NFL star. There will be two chances for bankers and bank directors to win $1,000 in cash – be present for the Friday and Saturday “7-Minute Spotlight,” sponsored by ICBA Securities and ATM Response. The annual golf tournament will be held on Herschel Walker Friday afternoon at Port Royal Golf Club, a short ride from the resort and frequent home of the PGA Grand Slam. If you’re not a golfer, perhaps you’d enjoy a catamaran sail and snorkeling adventure also scheduled for Friday afternoon. The Spouse/Guest Program will take place on Saturday morning. (See next page for more info).

2 0 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

The Chairman’s Banquet will be followed by hilarious and talented entertainer, Frank Miles, on Saturday evening. There will be a twist to the Silent Auction this year. More information will be provided soon. Along with all the wonderful standards of Frank Miles CBA’s Annual Meeting & Trade Show such as networking fun within the Trade Show, general sessions covering timely topics and inspirational keynote addresses, we are thrilled to offer two new bonus features in 2016! On Friday morning, we’ll host a Bankers’ Peer Group Meeting entitled, “Overcoming Challenges: Let’s Get Started” moderated by Dianne Barton, Founder & President, Performance Solutions, Kennesaw. Dianne has taught many schools and seminars for CBA and other associations and brings with her a Dianne Barton wealth of industry knowledge and experience. Her expertise in customer service, leadership and sales and service culture development is recognized as leading edge by both national banks and community banks. On Saturday morning, CBA will host a Bank Director Break-Out Session entitled, “Ten Warnings for Community Bank Directors & Officers” moderated by Philip Smith, President, Gerrish McCreary Smith Consultants and Attorneys, Memphis, TN. Philip's legal and consulting practice places special emphasis Philip Smith on bank mergers and acquisitions, financial analysis, acquisition and ownership planning for boards of directors, strategic planning for boards of directors, regulatory matters, bank holding company formations and use, securities law concerns, new bank formations, S-corporations, going private transactions, trust preferred securities and other matters of importance to banks.

fairmont southampton resort For single/double occupancy - $309 per night for a standard room; other rates are available for various room types please call CBA for more information. There is an additional fee for third and fourth occupants 19 years of age and older. Maximum occupancy is four (4) persons per room. *All reservations are subject to a mandatory resort levy of $12 per person, per night and a mandatory per person, per night gratuity (varies by room type)*. All rates are taxable. The deadline to receive this discounted rate is Sunday, June 19, 2016. For reservations, contact the Global Reservations Center at (800) 441-1414 and mention "Community Bankers Association of Georgia" to receive the group rate. (*Resort levy and gratuity may be higher based on the room type you reserve, and both are subject to change without notice.)

spouse & guest program Famous Homes & Hideaways Cruise Around Bermuda Friday, July 22, 9:00am – Noon Join us for brunch and morning cocktails as we gently cruise Bermuda's exquisite turquoise blue waters to enjoy a sightseeing excursion around the island! This tour will give you a wealth of well researched historical facts as well as lots of humorous personal stories about the island. View charming colonial homes painted in pastel colors that are steeped in history. Sneak a peek at "Millionaire's Row" one of Bermuda's most exclusive neighborhoods. See the homes of the rich and famous such as movie stars Michael Douglas and Catherine Zeta-Jones; James Martin, pioneer of Texas instruments; playwright Eugene O'Neal, whose daughter was married to Charlie Chaplin; and illustrator William Denslow, most famous for his work on the "Wizard of Oz." $65 per person. Pre-registration is required.

FLIGHT INFO: CBA has reserved a block of seats on Delta flights for the convention. Please contact Peake Wilson for more information. You may access and download the flight request form by visiting the Annual Meeting page of CBA’s website: http://www.cbaofga.com/annual-meeting-and-tradeshow.html. A more comprehensive brochure will be mailed out soon! If you are interested in exhibiting or sponsoring, please contact Lindsay Greene – lindsay@cbaofga.com or (770) 541-0376. For Silent Auction information, contact Tammy Maass – tammy@cbaofga.com or (770) 541-0374. For all other inquiries, please contact Peake Wilson – peake@cbaofga.com or (770) 541-0379.

PRICING:

AGENDA AT A GLANCE

Wednesday, July 20th

Afternoon Annual Meeting Registration CBA Board of Directors Meeting Evening Board of Directors Dinner (by invitation only) Dinner at your Leisure

Thursday, July 21st

Afternoon Annual Meeting Registration Exhibitor Set-Up Evening Welcome Reception & Dine-Around, Exhibits, Silent Auction with Local Entertainment

First Attendee: $795* Exhibitor: $1195* (includes Trade Show and all Convention Functions) Each Additional Attendee from same Bank/Company: $695* Spouse: $200 Children 17 and under attending Thursday Night and Saturday Night: $75 each** Adult Children 18+, Family Member & Guest attending Thursday Night and Saturday Night: $150 each**

Friday, July 22nd

*Non CBA Members, add $200 to each registration. **This fee covers only the two evening meal functions noted. Children, family members and guests attending any other function of the convention will be billed as an Additional Attendee.

Morning Hot Breakfast Buffet with Exhibitors Spouse / Guest Program General Session & Saturday Keynote (Spouses / Guests welcome) Afternoon Free Evening Chairman’s Reception Chairman’s Banquet & Awards Entertainment - Frank Miles

Morning Hot Breakfast Buffet with Exhibitors General Session Friday Keynote Afternoon Golf Tournament Catamaran Sail/Snorkeling Evening Free

Saturday, July 23rd

Sunday, July 24th Departures

W in t e r 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 21

CATAMARAN SAIL AND CORAL REEF SNORKELING Join us onboard one of the island’s comfortable and stable catamarans for a trip around the northernmost coral reef in the world. Relax on deck and enjoy complimentary soft drinks while our crew provides an informative commentary on the island and the fascinating undersea ecosystem. Following an approximate 45 minute cruise, you will find yourself moored in a magical deep blue oasis bordered by fringe reef on nearly all sides. Here, you will be given a mask, snorkel, fins, buoyancy vest or flotation noodle and instruction on how you may best enjoy the undersea paradise. Immerse yourself in crystal clear waters under the watchful eye of instructors and explore the great expanses of pristine reef. Following snorkeling, we hoist the sails and enjoy a relaxing sail home with a legendary, complimentary Rum Swizzle. $100 per person. Pre-registration is required.

MEET THE EXHIBITORS ATM Response • BankSouth Mortgage Wholesale Division • BFS Group • CBIZ • Computer Services, Inc Crescent Mortgage Company • DeNyse Companies • Gulf Coast Business Credit • Harland Clarke • ICBA Securities Intercept Consulting Group • Investment Professionals Inc. (IPI) • Kasasa • Secured Retirement Strategies Group, LLC SHAZAM • Southern Financial Systems • The Baker Group • TJS Deemer Dana LLP • Travelers * As of print date

THANK YOU TO OUR SPONSORS! Platinum Sponsors

Bronze Sponsors

Silver Sponsors

Individual Event Sponsors Board Appreciation Dinner

JB Board Meeting Refreshments, Registration Packet, Friday & Saturday Cash Prize

Board Appreciation Reception

Compensation Advisors

7-Minute Spotlight

Thursday Night Carving Station Name Badges Thursday Night Photo Booth

2 2 | w w w . cbaof ga. com | Wi n t e r 2 0 1 6

Chairman’s Banquet Chairman’s Reception & Golf Prizes

7-Minute Spotlight

Friday WiFi Sponsor

Welcome Refreshments & Bottled Water

Friday Promo Materials

Saturday Break

Hotel Key Card

Specialty Drinks

Convention Totes

ICBA Announces 2016-17 Executive Committee ICBA announced the election of its 2016-17 Executive Committee. Making up the committee are: • Chairman: Rebeca Romero Rainey, chairman and CEO, Centinel Bank of Taos, N.M.

• President and CEO: Camden R. Fine, ICBA president and CEO, Washington, D.C.

• Chairman-Elect: R. Scott Heitkamp, president and CEO, ValueBank Texas, Corpus Christi, Texas

• Immediate Past Chairman: Jack A. Hartings, president and CEO, The Peoples Bank Co., Coldwater, Ohio

• Vice Chairman: Timothy K. Zimmerman, president and CEO, Standard Bank, Monroeville, Pa.

• Past Chairman: John H. Buhrmaster, president and CEO, 1st National Bank of Scotia, N.Y.

• Secretary: Mike Ellenburg, president and CEO, First Southern State Bank, Stevenson, Ala.

• Past Chairman and ICBA Consolidated Holdings Chairmanelect: William A. Loving Jr., president and CEO, Pendleton Community Bank, Franklin, W.Va.

• Treasurer: Derek B. Williams, president and CEO, Century Bank & Trust, Milledgeville, Ga.

THE

your voice matters!

SAVE DATE WASHINGTON POLICY SUMMIT April 24-27, 2016 Hyatt Regency Washington on Capitol Hill, Washington, DC

2016 Georgia Financial Directory Coming Soon The 2016 Georgia Financial Directory is your complete resource for information on banks, holding companies, savings & loans, banking products and services, and more. All CBA members receive a free copy and the books will be mailed in late May. Additional copies are available for $45 each. Simply visit the CBA website or contact Lindsay Greene for more information. Special thanks to the 2016 advertisers: ACG · Bahr Consultants, Inc. • CSI • DeNyse Companies • Drew Eckl & Farnham Fiserv • Intercept Consulting Group, Inc. • ICBA Services Network • Investment Professionals, Inc. ServisFirst Bank • SHAZAM • Stokes Carmichael & Ernst • Warren Averett S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 23

When your instant

issue card solution is so easy and affordable, it’s not luck. It’s Harland Clarke. harlandclarke.com/CardAtOnce

Instant card issuance is a no-brainer. Your account holders are asking for it, and you want to offer it to them. Now you can issue fully functioning, personalized cards onsite in about a minute — affordably — with Card@Once from Harland Clarke. Because the service is web-based, there’s no software or dedicated server to buy, and no technology management necessary on your end. All you need is an internet connection. Just plug in the printer and you’re ready to go. When it comes to a one-source, low-cost solution for instant issue, it takes more than luck. It takes Harland Clarke.

Harland Clarke Payment Solutions. Leave nothing to chance.

Marketing Services - Security Solutions - Payment Solutions

2 4 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

1.800.277.7637 Card@Once (patent pending) is a registered trademark of EFT Source, Inc.

Jonathon Guthrie Named Barret School of Banking Scholarship Winner

Jonathon Guthrie, left, Loan Officer at The Peoples Bank in Willacoochee and recipient of the 2016 Barret Graduate School of Banking Scholarship with scholarship sponsor Todd Hennings, Managing Member, Macey, Wilensky & Hennings, LLC, Atlanta.

CBA associate member Macey, Wilensky & Hennings, LLC, Atlanta, sponsored the scholarship for a Georgia community banker to attend the 2016 session of the Barret Graduate School of Banking as a first-year student. The scholarship includes tuition and housing for the 44th Annual Graduate Session of the Paul W. Barret, Jr. School of Banking, May 2227, 2016 at Christian Brothers University in Memphis, TN. The Barret School of Banking is a non-profit independent school created by and governed by a Board of Regents, whose members are executives from banks and other firms involved with the financial services industry. To learn more, visit barret.ws.

S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 25

2016 CBA WEBINARS Affordable, Professional Training, When and Where You Choose!

BA is committed to superior customer service and has been a leader in webinar training for over a decade. Webinars are designed for most positions in a community bank from the teller line to the board room. Speakers are industry experts with longterm, real-life, hands-on experience. Benefits of participating in a CBA webinar are: • Easy to use, time effective, cost effective, convenient, interactive, • Current topics delivered by experienced speakers,

APRIL 2016

Managing IRA Beneficiary Designations & Distributions

27 Examining Complex TRID

APRIL 2016

Register today for a webinar training option that best meets your training needs! For the most current listing of webinars, visit www.cbaofga.com.

MAY 2016

19 Wire Transfer

Issues, Part 1: Application Through Loan Estimate & Revised Loan Estimate

28 Regulator Expectations for Risk Assessment: Policies, Procedures & Steps in Obtaining Board Approval

Audit Compliance Series: Auditing Basel lll & the New Capital Planning Guidelines

3 12 The Top 10 Credit Risk Considerations in Agricultural Lending

Loan Participation Due Diligence: Practices, Documentation, Servicing & Risks

14 Your Depositor Has Died: Actions to Take, Mistakes to Avoid

Conducting the Annual Physical Security Review

JUNE 2016

Commercial Appraisal Review: Income & Sales Comparison Approach

Understanding FCRA Permissible Purposes in Obtaining Credit Reports

ACH Rules for Deceased Accountholders & Federal Government Payments

Issues, Part 2: Closing Disclosure, Tolerances & the Good Faith Analysis

JULY 2016

E Requirements with Visa & MasterCard Rules

16 25 Debt Collection Series: Real Estate Loan Workouts, Deeds in Lieu, Short Sales, Foreclosures, Deficiency Judgements & Receiverships

Loan Servicing Risks, Controls & Common Pitfalls

19 Special Edition:

New Federal Regulations Targeting Student Accounts, Including Debit & Prepaid Cards: Effective July 1, 2016

HR Series: Compliance & Legal Issues in Employee Screening Pre & Post Hire

Regulator Guidance of HVCRE: Issues, FAQs & Clarification of Basel lll Standards

20 HR Series: Managing

12 Regulator Issues for

Absenteeism & Leaves of Absence

the Credit Analyst

Call Report Series: Preparing Call Report Basic Lending Schedules: Coding, Classifications & Loan Loss Allowance

Examining Bank Assets, Liabilities & Income in Call Report Preparation

8 18 Managing the Force- Placed Insurance Process

Treasury Services: New Delivery & Service Models for Cash Management

Modifying Existing Product Terms & Fees: Timing, Content & Requirements for Change- in-Term Notices

Bank Financial Accounting Essentials

Health Savings Accounts: Basics, Rules, Reporting, Tax Consequences & Health Care Reform Considerations Cyber Series: FFIEC Cyber Security Risk Assessments: Recent Findings & Recommended Actions

Board Oversight & Responsibility for ACH Risk*

19 Analyzing & Managing

Business Accounts: Who is Authorized to Open, Close, Transact?

Strategies for Remaining Independent: Alternatives to Selling*

26 Call Report Series:

Understanding & Managing the CFPB Complaint Process

JUNE 2016 2

17 Director Series: 21 Effective Management

14 Director Series:

11 Fee Income Strategies 2016: Challenges, Issues & a Look Ahead

Attracting & Retaining Key Management

10 Quarterly Emerging Leader Series: Effective Branch Administration Monitoring

15 Comparing Regulation

Series: Developing Quality & Efficiency in Your IT Audit

13 ACH Rules Update 2016

24 Audit Compliance

MAY 2016

Compliance, Including International Remittances

20 Examining Complex TRID

Completing the SAR Line-by-Line

of Credit Report Disputes

• Continuing Professional Education Credits, • Take-Away-Toolkit (consists of an employee training log and a quiz to measure staff learning), • Webinar series for Bank Directors, Compliance Professionals, Risk Managers, Leaders, and much more!

Skills & Tools for Improving Teller Performance

Escrow Accounts for Overages, Deficiencies & Delinquencies

20 Countdown to

29 Compliance Officer

Training: Risk Assessments, Monitoring & Testing

Same-Day ACH: Deadline September 23, 2016

21 Debt Collection Series: Advanced Collection Concepts, Compliance & Risks

Note: Dates/Topics subject to change.

JULY 2016

AUGUST 2016

26 Understanding

Letters of Credit: Rules Responsibilities & Liabilities

27 Risks & Precautions

for Endorsements & Other Negotiable Instruments

28 Commercial Credit Grading: Methodology, Risk & Examiner Issues

AUGUST 2016 2

Quarterly Emerging Leader Series: Establishing New Product & Service Controls

15 Errors to Avoid When Conducting Internal Investigations

Consumer Loan Documentation

Debt Collection Series: Best Practices for Garnishments & Levies: Getting It Right!

Essential Compliance Requirements for Lenders

E-Mail Risks, Rules, Records & Regulations Legally Handling ATM & Debit Card Claims Under Regulation E

Coverdell & College Savings Plans

11 HR Series:

Performance Management: Developing Future Leaders

16 Essential Compliance Regulations for the Frontline

17 Call Report Series:

Understanding Call Report Regulatory Capital: Standards, Ratios, Risk Weighting

15 18 The Application Process for the New Mortgage Lender: Mortgage Application 1003 Line-by-Line

Audit Compliance Series: Auditing for BSA Compliance

Protecting the SBA Guaranty Start to Finish

Cyber Series: Mobile Remote Deposit Strategies: Technology, Deployment Models & Risks Navigating Compliance Issues for Promotions, Bonuses, Contests & Sweepstakes Writing Effective Credit Memos & Loan Narratives

Handling Dormant Accounts, Unclaimed Property & Escheatment Clarifying Signature Card Confusion for Personal & Business Accounts: Compliance, Account Titling & Ownership

Cyber Series: Customer Authentication & Validation: The New Normal in Risk Mitigation

Notary Essentials & Legalities for Community Banks

OCTOBER 2016 4

HMDA Roadmap Part 1: Impact, Important Changes & Implementation Considerations for Lenders

to Build a "Social Selling" Culture

Annual MLO Compliance Requirements & Auditing for SAFE Act IRA Conversions & Recharacterizations: Understanding Requirements & Avoiding Errors

NOVEMBER 2016

27 Maximizing LinkedIn

SEPTEMBER 2016

10 Saving for Education:

SEPTEMBER 2016

Complying with Final Military Lending Act Rules Changes Effective October 3, 2016

Avoiding the Top 10 Legal & Compliance Mistakes in the E-Statement Process HMDA Roadmap Part 2: Operations Systems, Audit & Reporting Implications

ACH for the Frontline

MSB Due Diligence & Monitoring for Community Banks

Call Report Series: Improving the Call Reporting Process: Documentation, Efficiency, Accuracy, Common Errors & FAQs

Powers-of-Attorney In-Depth: Good Faith, Fraud & Fiduciary Capacity

Cyber Series: Meeting Federal Requirements for Tech-Based Marketing: Websites, Social Media, Robo Calls & More

Loan Review: Consumer, Commercial & Real Estate

Branch Transformation: Strategies for Moving from Transaction Centers to Customer Engagement Centers

The Growing Scope of Vendor Management: Business Continuity, Cyber Security, Contract Negotiation & More

Essential Compliance Training for the Board & Senior Management

Audit Compliance Series: Developing a Risk-Based Compliance Audit Process for Deposits

Quarterly Emerging Leader Series: FFIEC Reporting & Guidance for CRA Compliance

16 Appraisal & Evaluation Guidance on Collateral Valuation: Lender & Board Perspectives

13 Indirect Lending: Rules, Rewards, Risks

18 HR Series: Essential HR

Recognizing & Responding to Elder Fraud: What every Staff Member Should Know

NOVEMBER 2016

Recordkeeping from Hiring to Firing

Handling ACH Exceptions & Returns: Unauthorized, Revoked, or Stop Payment?

Annual Robbery Training for All Staff: Meeting Your Bank Protection Act Requirements

19 Liquidity Funding Concerns in a Rising Interest Rate Market

20 Understanding

Title Insurance Policies, Commitments & ALTA Endorsements

27 Debt Collection Series: Director Series: Director & Officer Liability: Rules, Risks & Trends*

HR Series: Rewarding & Retaining the Best Employees

the Board Needs to Know to Manage IT*

12 Call Report Series:

Trust Accounts: Documentation, Signatories & FDIC Insurance Coverage

15 Director Series: What

Essential Compliance Regulations for Deposit Operations

Complying with Complex Call Report Lending Schedule Preparation

The CFPB's Four D's of Fair Lending: Deceptive Marketing Debt Traps, Dead Ends & Discrimination

Nonresident Alien Accounts: W-8s, W-8BENs, BSA, Rules & More

26 Opening 20

DECEMBER 2016

Maximizing Recoveries on Charged-Off Loans

Top 10 IRA Issues: Compliance, Reporting, Death & Distributions

* Director Series webinars are scheduled from 10:00-11:30 AM Central Time.

To learn more or to register, visit www.cbaofga.com or contact Jodi Swilley at Jodi@cbaofga.com or 770541-4492.

S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 27

2016 CBA COMPLIANCE TRAINING OPPORTUNITIES

CPE Credits Available.

The CBA University calendar is packed-full of compliance related topics designed specifically for community bank professionals with responsibility for compliance, audits, risk management, bank security, information technology and human resource. The CBA is a leader in compliance training for community banks. The focus of these educational programs is to help you understand the various laws and regulations in order for the bank to be compliant and to keep employees, customers and shareholders safe. The programs are provided in several training formats such as schools, conferences and seminars. We also have a large number of webinars which cover a variety of compliance topics. We invite you to review the information below and make plans NOW to attend the programs that meet your training needs. To learn more about each topic and to register, visit the CBA University at www.cbaofga.com or contact the CBA Education Department.

Compliance Program Schedule (Four programs held in five cities) Become a CBA Compliance Program member bank before April 2016 and send one person FREE to one city during each program! Discount pricing is available to 2016 CBA Compliance Program member banks to attend other CBA compliance schools, conferences and seminars. Click here to view the Compliance Program brochure. • Compliance Program I - "Complying with the Integrated Disclosures 4/13 - Macon; 4/14 - Savannah; 4/19 - Tifton; 4/20 - Duluth; 4/21 - Rome • Compliance Program II - "Complying with ACH Compliance" 5/10 - Tifton; 5/11 - Macon; 5/12 - Savannah; 5/24 - Rome; 5/25 - Duluth • Compliance Program III - "Complying with Deposit Regulations" 9/13 - Albany; 9/14 - Macon; 9/15 - Savannah; 9/20 - Rome; 9/21 - Duluth • Compliance Program IV - "Complying with Anti-Money Laundering/ Bank Secrecy Act" 12/6 - Albany; 12/7 - Macon; 12/8 - Savannah; 12/13 - Rome; 12/14 - Duluth

Conferences and Schools • 8/8 - 11 4th Annual Compliance Lending School Braselton • 8/9 - 11 16th Annual BSA Officer School "The Basics" Atlanta • 8/25 - 26 11th Annual Information Technology Security Conference - Savannah

(IT)

• 10/4 - 7

9th Annual Advanced BSA Officer School St. Simons Island

• 11/3 - 4

6th Annual Southeast Financial Human Resources Forum Conference - Atlanta

Seminars • 4/12 "2016 Mastering Home Mortgage Disclosure Act (HMDA)" - Macon • 5/17 "Understanding & Filing UCC's" - Atlanta • 6/14 "Mortgage Lending: Start to Finish" - Duluth

Senator Isakson Speaks at CBA Event U.S. Senator Johnny Isakson was the lunch speaker at CBA's Bank Directors & Executive Management Conference, that was held in Atlanta recently. Senator Isakson updated attendees on events in Washington, D.C. that affect Georgia's community banks. CBA thanks Senator Johnny Isakson for his continuing support of the community banking industry in Georgia.

2 8 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

• 6/15 "Mortgage Lending: Start to Finish" - Macon • 6/16 "Complying with the Integrated Mortgage Disclosures" aka TRID - Macon • 6/21 "GA Deposit Documentation" - Duluth • 6/22 "GA Deposit Documentation" - Macon • 7/12 Human Resource (HR) Forum - Workshop II - "Making HR Work with Technology" - Atlanta • 7/14 Human Resource (HR) Forum - Workshop II - "Making HR Work with Technology" - Macon

The calendar is subject to change. For the most current listing, visit www.cbaofga.com.

Lending Training Opportunities

CPE Credits Available.

According to the FDIC's Manual of Examination Policies, the examiner's evaluation of a bank's lending policies, credit administration, and the quality of the loan portfolio is among the most important aspects of the examination process. The CBA understands the importance of a well-trained lender and their support staff! We are pleased to offer a variety of training programs designed to train lenders and others on how to develop and enhance the skills necessary to successfully administer quality loans. We invite you to consider one or all of these programs. In addition to these training opportunities, we also provide a large number of lending related topics via webinars. To learn more about each program and to register, visit the CBA website or contact the CBA Education Department. • HDMA - April 12 – Macon • Compliance Program I - Complying with Mortgage Integrated Disclosures (Held in Five Cities): April 13 – Macon; April 14 – Savannah; April 19 – Tifton; April 20 – Duluth; April 21 – Rome • Commercial Lending School (4 ½ days) - April 25-29 – Atlanta • Analyzing Personal Financial Statements and Tax Returns – May 10 – Atlanta • Understanding and Filing UCCs – May 17 – Atlanta • Training the Credit Analysts – May 18-19 – Atlanta • Mortgage: Start to Finish – June 14 – Duluth • Mortgage: Start to Finish – June 15 – Macon

• Complying with Mortgage Integrated Disclosures – June 16 – Macon • 4th Annual Compliance Lending School – August 8-11 – Braselton • Loan Documentation for Loan Administrators – August 17-18 – Atlanta • Credit Administration Institute – September 14-15 – Atlanta • CRE Boot Camp : CRE Lending, Cash Flow & Appraisals – September 21-22 – Atlanta • Financial Statement & Cash Flow Analysis Boot Camp – October 19-20 – Atlanta • Commercial Lending School – October 24-28 – Atlanta

CBA UNIVERSITY – October 2015 – February 2016 THANK YOU COMMUNITY BANKERS!

Consumer Lending School February 2016

Compliance Program – December 2015

Today’s Teller – January 2016

Branch Management – February 2016

Graduates of the 8th Annual Advanced BSA Officer School October 2015

Compliance Lending School – November 2015 Commercial Lending School October 2015

CRE Appraisals – February 2016 S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 29

2016 Schools and Conferences

CPE Credits Available.

The CBA provides a variety of schools and conferences designed for most positions in a community bank. The instructors are local and national industry experts and many are former community bankers. We invite you to make plans today to attend one or all of these schools and conferences. To learn more about these programs, visit www.cbaofga.com or contact the CBA Education Department at education@cbaofga.com. • Mortgage Lending School – March 29-31 – Atlanta • Commercial Lending School – April 25-28 – Atlanta • Compliance Lending School – August 8-11 – Braselton • Georgia Bank Directors’ College – August 22 – Greensboro

• Cyber Risk Summit – August 25-26 – Savannah • Advanced BSA Officer School – October 4-7 – St. Simons • Commercial Lending School – October 24-28 – Atlanta • Southeast Financial Human Resource Forum Conference – November 3-4 – Atlanta

present

2016 Southeast Financial Human Resource Forum “ A New Forum Designed Specifically for Southeast Financial HR Professionals and others with Employment Responsibilities”

The CBA in partnership with Ray Stanford of the SIO Law Group and in conjunction with the Southeast Financial Consortium ("SEFICON") invites you to join the 2016 Southeast (SE) Financial Human Resource (HR) Forum and enjoy bank membership benefits such as: • one person may attend complimentary two 2016 workshops held in March and July the annual conference held in November and nine Noon-Time forum webinars; • discount pricing available for others from the same bank/company to attend the workshops, conference and webinars; • two hours of telephone workplace law counsel from SIO Law Group with additional legal services billed at the firm's reduced retainer rate of $285 per hour; • receipt of the Workplace Law Alert electronic newsletter; • access to the Human Resource online forum; • access to the "members only" section of the SEFICON website; and, • continuing professional education credits and certificates of completion. This Forum also serves as your one-stop source for legal consultation, training, networking opportunities, and much more! We believe this cost-effective and informative forum is a useful business advantage for community banks at a time when questions demand prompt, appropriate, and accurate answers. To learn more about this valuable Forum, visit www.cbaofga.com or contact Donna Coutant at the CBA. Register today for Workshop II (July 12 - Atlanta or July 14 - Macon) and join Mr. Stanford as he discusses "Making HR Work with Technology".

3 0 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

The Great Millennial Debit Drop

Dan Kramer Senior Vice President of Marketing and Merchant Services SHAZAM, A CBA Endorsed Member Company Are millennials done with debit? That’s a widespread concern, after a recent Mercator Advisory Group report, Consumers and Debit in the U.S.: Heightened Security Concerns, found national debit card use holding steady at 59%, but debit use among millennials (18-to-34-year-olds) down to 52%, a seven-year low. Before we panic over the Great Millennial Debit Drop, there is a simple way for your institution to get younger customers using debit again, with a service you may already provide. The answer lies in the tandem virtues of security and trust. There’s a false narrative that debit cards are more risky than credit cards because of debit’s direct link to a bank account. In reality, debit cards have an extra layer of security that credit cards don’t: a PIN system. The latest Federal Reserve payments report found PIN-based debit fraud is about 12 times less likely than signature-based credit fraud. Of course, the goal is to prevent any fraud, so it’s important to know what security checks your processor uses to ensure every transaction’s legitimacy. Real-time computer scoring of transactions and customizable blocking controls are two key tools to stopping fraud before it occurs. It’s also vital to let your cardholders know, if the worst ever happens, they can trust your institution to help them recoup any funds lost through fraud.

(and the answer you already have)

Here’s how your institution can provide those customized security options: mobile card controls. Mobile card apps can give users the ability to set transaction alerts for suspicious activity, and even to temporarily block their own card if it’s lost or stolen, all through their smartphone. In the Mercator survey, millennials are the most interested in mobile security apps/features (55% of young adults vs. the 42% average). Millennials who have debit cards but don’t use them are actually more interested in mobile security than frequent debit card users (51% vs. 43%). If your organization provides mobile card controls, do your younger cardholders know? Consider promoting your mobile security service to enhance your customers’ confidence in their debit cards. The more layers of security your organization can provide, and the more effectively you communicate those services, the more your cardholders (of all ages) will put their financial trust in you.

Millennials, more than previous generations, find it hard to trust institutions in general, so they appreciate (even expect) more personal control over their accounts.

How Can You Reach CEOs, CFOs, BSA Officers, Mortgage Lenders, HR Managers, or Compliance Officers? Advertise & Sponsor with CBA! With a wide variety of creative opportunities to promote your company’s products and services, you are certain to reach your target audience in the most cost-effective way by advertising or sponsoring. CBA has flexible options at a variety of price points. Consider gaining exposure through education events, networking, as well as print and digital marketing. Sponsor an education event for as low as $200 and come face-to-face with decision makers. Create brand awareness and reach thousands by advertising in CBA’s weekly E-Newsletter. Let us customize a package for you. For more more information, call Lindsay Greene at (770) 541-0376 or email lindsay@cbaofga.com. S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 31

BUDGETING SOLUTION A streamlined approach to better budgeting Take the pain out of the budgeting cycle with a top-down forecasting solution. Create more accurate forecasts: • SNL Banker’s instrument-level forecasting gives you visibility into the existing portfolio vs. production needs, down to the specific product/rate • You can automatically pull in up-to-date actuals from your core and GL as the basis for your forecast without manually re-keying data, then re-forecast as necessary on the fly • Better insight into your portfolios helps you create precise production goals to keep your teams on track to meet budget

Shorten the budgeting cycle: • Allow multiple users throughout the organization to work concurrently within a forecast while seamlessly consolidating results • Advanced security features help you protect your data by choosing which users can view/edit sensitive data • Since budgets are completed earlier, your finance team will have time to evaluate multiple “what-if” scenarios and select the best possible budget outcome

See more at SNL.com/Budgets 866.296.3743 | SNLBankerSales@SNL.com 3 2 | w w w . cbaof ga. com |Sp r i n g 2 0 1 6

Enhance your revenue. Improve your bottom line. WITH CBA'S ENDORSED MEMBER COMPANIES! ACG | Refurbished ATMs/Currency Counting Phil Winn | Phil.Winn@acgworld.com | (770) 442-9800

FIS | Free ATM Network | Credit/Debit Card Program Susan Haines | susan.haines@fisglobal.com | (770) 248-9600

ATM Response | ATM Service & Cash Logistics Tony Webb | twebb@atmresponse.com | (770) 855-2989

Harland Clarke | Check Program Ryan Busenitz | ryan.busenitz@harlandclarke.com | (787) 923-3402

Bahr Consultants, Inc. | Insurance Review Hank Bahr | hank@bahrconsultantsinc.com | (865) 694-6098

ICBA Securities | Investment Services Jim Reber | jreber@icbasecurities.com | (901) 762-5884

Banc Consulting Partners | Executive Benefits/BOLI Brian Miller | bmiller@yourbankpartner.com | (770) 485-8559

Investment Professionals, Inc. (IPI) | In-Bank Retail Investment Services Steven Ransdell | steven.ransdell@invpro.com | (501) 410-4445

BankersEdge | Online /DVD Training Program Nora Ebersbach | nebersbach@bankersedge.com | (314) 542-6493

Kasasa | Branded Suite of Banking Products Grant Armistead | grant.armistead@kasasa.com | (704) 936-7878

BankSmart | Bank Operations/Vendor Management Jim Wilkson | jwilkson@BankSmart.com | (813) 774-8000

PULSE | Debit Network Program Mark Reda | markreda@pulsenetwork.com | (813) 854-2210

Bank Trends | Peer Analysis Michael Stinson | michael@bank-trends.com | (877) 717-6743

Sageworks | Cash Flow Analysis Billy Burnet | billy.burnet@sageworks.com | (919) 851-7474 ext. 619

BASYS Processing | Merchant Services Processing Brady Hanna | bhanna@basyspro.com | (913) 307-2751

SHAZAM | Debit Card/EFT Processing Mark Fucci | mfucci@shazam.net | (866) 644-9314

CBIZ Benefits & Insurance Services, Inc. | Employee Benefits & Insurance Todd Gordon | todd.gordon@cbiz.com | (770) 858-4801

SNL Financial | Financial Data Jake Bartlett | jbartlett@snl.com | (434) 951-6915

For more infomation on these providers or to learn about the endorsement process, contact Lindsay Greene at (770) 541-0376 or lindsay@cbaofga.com. S p r in g 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 33

PRESORT STANDARD U.S. POSTAGE PAID ALPHARETTA, GA PERMIT 864

1900 The Exchange, Suite 600 Atlanta, GA 30339 www.cbaofga.com

MET

SHAZAM is a financial services company offering you choice and flexibility to use the products and services that meet YOUR needs.

We believe community financial institutions must stay in control of their future. Since 1976, weâ&#x20AC;&#x2122;ve been providing community financial institutions with choice and innovation to compete in the market. From debit cards to core processing to marketing services and more, we deliver.

Call SHAZAM today. Delivering Unlimited Possibilities 855-314-1212 | shazam.net | @SHAZAMNetwork