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

SUMMER 2016

INSIDE

Official Publication of the Community Bankers Association of Georgia

• Successful Leadership Division Convention • Bermuda Bound! • Meet the New Leadership Division Board • 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

FIRST

FEATURES

INSIDE

SUMMER 2016 CBA STAFF Rob Braswell President & CEO rob@cbaofga.com Lindsay Greene Vice President Marketing & Member Services lindsay@cbaofga.com Tony Moore Graphic Design Coordinator tony@cbaofga.com Taylor Stalling Marketing Coordinator taylor@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

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Are You Thinking Big?

Spring Luncheon & Golf Tournament Highlights CBA Day at the Capitol General Counsel Corner: New Garnishment Law Now In Effect CBA Elects New Leadership Division Board Barret School of Banking Graduate Feature

Jeremy Thomas Part-time Graphic Designer jeremy@cbaofga.com

page 16 | Successful Leadership Division Convention

CBA Endorsed Member Company Spotlight: Brian Miller Guest Article: Transform Your Compliance Program Guest Article: The Value of a Trusted Advisor for Telecom

BERMUDA

Guest Article: Mobile Banking in 2016

Tammy Maass CFO tammy@cbaofga.com Stephanie Taylor Accounting/IT Coordinator stephanie@cbaofga.com

pages 10 | Memorial Scholarships

Continue the Revolution

page 20 | Bermuda Bound!

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 25 | Educational Opportunities

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FROM THE PRESIDENT'S DESK

ARE YOU THINKING BIG?

hen I ask that question, I do not mean in the size of your bank, but rather in the size of your thoughts. I am a great admirer of creative, big thinkers that seem to have no limits on the size of their ideas or goals. As I was reflecting back on some of the people I have crossed paths with recently and looking at current stories in the news, it struck me that so many of these people are (or were) very successful “big idea” thought leaders. Here are a few that quickly come to mind: Kat Cole – I had the pleasure of meeting her at the recent Barret School of Banking lecture series. After starting out as a Hooters girl at 18 years old, she quickly rose through the ranks and became an Executive VP by age 26 by thinking big and taking advantage of opportunities while others hesitated. At 38 years of age, she is currently the Group President of Focus Brands and Chief Operations Officer of its subsidiary Cinnabon, an American chain of retail bakeries. Muhammad Ali – Regardless of your thoughts about Muhammad Ali, I think everyone agrees that he did things in a big way. After his recent passing, some of the first-hand accounts I read about him outlined his plan to rise from humble beginnings in Louisville to become the heavyweight champion known as “The Greatest of All Time.” Ali himself said, “The man who has no imagination has no wings.” Adam Nelson – He is my niece’s husband. Adam is also a three-time Olympic shot putter that won the gold medal in Athens, Greece in 2004 and the silver medal in

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Rob Braswell President & CEO Community Bankers Association of Georgia

Sydney, Australia in 2000. After retiring from the sport several years ago, he recently decided to see if he could qualify for the U.S. Olympic Trials at the age of 40 – and did! Whether he makes this year’s U.S. Olympic team or not, he is definitely thinking big. Michael Dubin – I became aware of him and the Dollar Shave Club through a speaker at this year’s ICBA Conference referencing his story. Dubin is the founder of Venice, California’s Dollar Shave Club, which now boasts over two million subscribers and annual revenue of $65 million. The membership service first launched March 6, 2012, via a YouTube video that cost $4,500 to make and went viral. The video attracted an unanticipated amount of traffic that crashed the company’s server in the first hour. Once Dubin got the server working, he enlisted a team of friends and contractors to help fulfill the 12,000 orders that arrived in the first 48 hours of launching the video. As children through young adulthood, I believe we all have big ideas, great enthusiasm, and a plan to make these ideas come to fruition. Unfortunately, somewhere along the way, we become convinced that our big ideas are not feasible, would take too much time to accomplish, are too risky, or cannot be done because it has never been done that way before ... and so on. We can always find a reason to not pursue our big ideas, but successful big thinkers possess an energy, a passion, and a dogged determination to see their ideas through. We all have these abilities and traits, but

sometimes we need encouragement to stop thinking small and day-to-day, but rather think on a grander scale. Please consider this as a friendly reminder to all of us (including myself) to not let the naysayers of the world diminish our pursuit to accomplish big things. After all, where would we be if all of history’s big thinkers had listened to the skeptics? As you start to prepare for your next strategic planning session, board meeting, or perhaps employee meeting, forego some of the minutia and mundane and THINK BIG! Remember, you and your banks are the economic engines of your communities – when your bank is dynamic and thriving, your community is very likely to be dynamic and thriving. As you go, it goes. I wish you the best in the pursuit of your big ideas! Also, please know the CBA of GA is always seeking to serve you and your bank in a BIG way - let us know how we can assist you.

Think big thoughts but relish small pleasures. H. Jackson Brown, Jr. Wishing you a terrific summer,

FINER

POINTS

CONTINUE THE REVOLUTION

his month, 240 years ago, our Founding Fathers set in motion our country’s great, radical and uniquely American experiment in democratic self-governance. Since then no other social or political revolution has spread more individual freedom, opportunity and prosperity. And community banks have long played an integral role in our country’s extraordinary leap forward in human progress. When we celebrate our nation’s birth this month, it is fitting that we remember and remind others that community banks remain just as important to America’s ongoing political and economic revolution today as they did when our nation was founded. The fractious policy debates of this year’s presidential election campaigns reflect the restlessness of American voters who will soon decide which direction to steer our nation’s political and economic course in the months ahead. The dangers and distortions of too-big-to-fail financial institutions have hovered in the forefront of these debates, along with recurring discussions about how to reignite widespread prosperity in the aftermath of the Wall Street financial crisis. In this political environment Americans should not lose sight of how central and essential our uniquely diversified community banking system remains to our country’s historic ideals and prosperity. For that reason, we should spread the word about how community banks turn local deposits into fertile funding for local small

businesses and households. We should explain how community banks are still the primary lenders to small businesses—the engines that spawn the most innovation and create most of America’s jobs. We should proclaim how the relationshipbased community banks remain the most widely accessible gateways to financial opportunity at every stage in life. Although currently held back by excessive regulation and unfairly besieged by competitors bearing government subsidies and market advantages, community banks are still an extraordinarily resilient and powerful force for financial empowerment. Community banks offer all of today’s most sophisticated financial products and services that fully compete, anywhere and anytime, against any other financial institution’s.

Your work and expertise as responsible stewards of our Main Street economies have never been more relevant and important—and widely recognized and appreciated. True freedom means having a fair and viable chance to achieve one’s own financial goals, to control one’s own economic destiny and to succeed based on one’s own talent, effort or ideas. Every day across the country community banks like yours—where direct accountability still drives common-sense decisions— continue to uphold those principles of economic liberty and opportunity for all. Washington, Jefferson, Franklin, Hamilton and our country’s other founders would be delighted. That’s a success story truly worth celebrating everywhere with parades, concerts and fireworks.

Of course, you know this great American success story by heart. You live it. You uphold it. But many of our country’s men and women, many still angry at Wall Street’s financial institutions, need to be reminded. The good news is that Americans still strongly believe in the economic principles and ideals that our Founding Fathers declared and risked their lives for. Most Americans also recognize that our country’s ongoing economic recovery depends significantly on the strength of Main Street America and the ability of Cam Fine small businesses to President & CEO continue to grow Independent Community and create jobs. Bankers of America

S u mme r 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

SPRING LUNCHEONS & GOLF TOURNAMENTS END ON HIGH NOTE …A high note sung by Neil Joiner! That’s right, Neil led the audience in song (and to laughter) in Albany as he brought his guitar with him to conclude CBA’s 2016 Spring Meetings tour. The Spring Regional Luncheon Meetings attracted over 200 attendees and featured topics such as Bob Koncerak’s “Avoiding Collateral Damage…with Cautionary Tales” and Scott Mills’ “The Invisible Customer – A Look at National Trends in Financial Technology.” The meetings took place in three locations across Georgia, Macon, Hoschton, and Albany – making it easy for our bankers all over Georgia to participate!

PAC/PR Golf Tournaments following each luncheon meeting began with a shotgun start at 2:00 pm. Cash prizes were awarded during the post-tournament cookout. The Golf Tournaments benefit CBA’s PAC/PR Funds. The CBA of Georgia maintains the only state PAC working exclusively for Georgia’s community banks.

To add a bit of comedic relief, Neil Joiner, a retired community banker and longtime friend of the CBA, contributed to the luncheons with his presentation, “I’m Coming Clean: Neil Joiner Tells All.” “I want to thank Bob, Scott and Neil for their presentations,” stated Rob Braswell, President & CEO of CBA. “Bob and Scott increased awareness on important topics and future trends and Neil ended the program with smiles and lots of laughter!” CBA is appreciative of its Associate Member partners who helped facilitate the meetings: Dan Brannan, Partner, James-Bates-Brannan-Groover, LLP, Atlanta – Exclusive Spring Meeting Sponsor and provider of the Legislative & Legal Update during the Bankers Only Peer Group Meetings; Tim Veal (and colleagues), Nichols, Cauley & Associates, LLC, Dublin – Provider of the Accounting/Financial Update during the Bankers Only Peer Group Meetings.

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Thank you to our sponsor!

SPRING MEETINGS/GOLF TOURNAMENTS HIGHLIGHTS THANK YOU TO OUR SPONSORS

GOLF TOURNAMENT WINNERS

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S u mme r 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

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WASHINGTON POLICY SUMMIT HIGHLIGHTS

GEORGIA'S COMMUNITY BANKERS ON CAPITOL HILL Georgia community bankers gathered in Washington, D.C. with other community bankers and industry advocates from across the nation for the Independent Community Bankers of America® (ICBA) annual Washington Policy Summit. The CBA bankers met with members of Georgia's congressional delegation and their senior aides to discuss key issues that impact community banks.

Bran Thompson, CEO, South Georgia Bank, Glennville; Derek Williams, President/CEO, Century Bank & Trust, Milledgeville and ICBA Treasurer; and Rob Braswell, President/CEO and Steven Rigdon, former Director of Legislative/Regulatory Affairs, both with Community Bankers Association of Georgia, Atlanta.

Attendees from Georgia included Ed Cooney, President, Affinity Bank, Atlanta and CBA Chairman; David Coxon, President/CEO, Georgia Primary Bank, Atlanta; Charlie Curry, President/CEO, First State Bank of Randolph County, Cuthbert; Frank Griffin, Executive Vice President/Chief Lending Officer, Flint Community Bank, Albany; Clark Hungerford, President, Vinings Bank, Smyrna; Lisa Lane, EVP, Calumet Bank, LaGrange; Stephen Lewis, Commercial Lender, First National Bank of Coffee County, Douglas; David Moore, Senior Vice President, ICBA, Southeast Regional Office, Atlanta; Brad Serff, President/CEO, Providence Bank, Alpharetta; CBA members at the U.S. Capitol during the ICBA Washington Policy Summit.

Looking for New Non-Interest Fee Income? The Georgia Delegation enjoys dinner at Old Ebbitt Grill, while attending the Washington Policy Summit. Special thanks to Fowler Williams and Ashli Matson, Crescent Mortgage, who sponsored the dinner.

Senator Johnny Isakson hears first-hand from his community banking constituents.

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S u mme r 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

Corner GENERAL COUNSEL

Summer 2016

New Garnishment Law Now in Effect

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

by Thomas A. Simpson and Alec N. Sedki BACKGROUND

Last September, the United States District Court for the Northern District of Georgia upended the manner in which banks process garnishments in Georgia. In Strickland v. Alexander, No. 1:12-CV-02735-MHS (N.D. Ga. Sept. 8, 2015), the district court concluded that Georgia’s garnishment statute was unconstitutional because the statute did not require that defendant-debtors be notified of possible exemptions from garnishments, did not require that defendant-debtors be notified of the process for claiming such an exemption and did not provide a timely procedure for adjudication of such exemptions. The court’s decision created a great deal of confusion for banks named as garnishees (and who may be seeking to collect judgments of their own through garnishment).

GEORGIA’S NEW GARNISHMENT LAW

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Thomas A. Simpson of counsel

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Alec N. Sedki

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asedki@jamesbatesllp.com

To correct the perceived constitutional deficiencies in Georgia’s garnishment law, Governor Nathan Deal signed a new garnishment law (S.B. 255) into effect on April 12, 2016. This new garnishment law became effective on May 12, 2016. Bank officers and other bank personnel responsible for processing garnishments should seek to understand the components of this new law because it changes several facets of the garnishment process. While this article is not meant to provide a comprehensive analysis of all facets of the new law, here are several points of interest for banks: 1. The new garnishment law decreases the timeline for answering a garnishment for a bank (the garnishee) to no earlier than 5 days but before 15 days after service of the garnishment. If the bank does not answer within 15 days after service, the bank will be in default. If the defendant named in the garnishment does not have an active account or safe deposit box with the bank, such bank may file an answer to the garnishment immediately without waiting 5 days. Regardless of whether the defendant has an account at a bank, the bank must answer the garnishment within 15 days after the date of service. The statute contains a form for banks to use in answering a garnishment. (O.C.G.A. § 184-85). 2. The time for which a bank can open a default as a matter of right has been extended from 60 to 90 days after service of a default on the bank. 3. If the defendant named in the garnishment maintains a safe deposit box with the garnishee bank, the bank must advise the court of the existence of the safe deposit box in the bank’s answer to the garnishment. The bank must then restrict access to the safe deposit box until the earlier of (a) receipt of a court order regarding the disposition of the contents of the safe deposit box or (b) 120 days from the date the garnishee bank filed an answer to the garnishment. The time for restricting access to the safe deposit box may be extended by the court.

4. In serving a garnishment, a plaintiff is required to include in the garnishment a new form, titled “Notice to Defendant of Right Against Garnishment of Money”. The law places on banks the responsibility for providing this form (which it received from the plaintiff) along with the Defendant’s Claim Form to the defendant by regular mail. 5. The statute attempts to address the problems that arise when a bank is served with a garnishment applicable to the accounts of an individual, and such individual is an authorized signer on a business account. The statute addresses this issue by defining such business accounts as “association accounts”. Under the new law, an “association account” is an account or safe deposit box maintained by a business entity, foundation, trust or governmental entity. Whenever a bank receives a garnishment for an individual and that individual is an authorized signer for an association account, the bank is not liable for failing to pay or deliver money or other property in an association account that may be subject to garnishment by reason of the fact that a defendant is an authorized signer on such association account, unless the summons of garnishment alleges that the association account is being used by the defendant for an improper or unlawful purpose. 6. Similar to association accounts, the new garnishment statute provides that a garnishee bank is not liable for failure to remit money other property in a fiduciary account that may be subject to garnishment by reason of the fact that a defendant is a fiduciary of the fiduciary account, unless the summons of garnishment is against the defendant in the defendant’s capacity as a fiduciary of the fiduciary account or the summons of garnishment alleges that the fiduciary account is being used by the defendant for an improper or unlawful purpose. A “fiduciary account” is an account or safe-deposit box maintained by any party in a fiduciary capacity for any party other than the defendant in a garnishment. 7. Liability protections. The new garnishment law continues to provide safe harbors for garnishee banks responding to garnishments in good faith. However, to avail itself of these safe harbors, the bank must maintain reasonable processes and procedures.

CONCLUSION

Georgia’s revised garnishment statute appears to address the problems in the previous version. However, if banks are not careful, they run the risk of inadvertently violating the new law. Please be sure to carefully review any garnishments and respond in accordance with the new law’s requirements.

PRESENTED BY GEORGIA’S LAW FIRM: OFFICES 8 | w w w .cbaof ga. com | Sum m e rCounsel 2 0 1 6Corner,” a recurring column featuring legal news and information of interest to CBA “General MACON + ATLANTA

members, is brought to you by James-Bates-Brannan-Groover-LLP. Visit us at GeorgiasLawFirm.com

COMMUNITY BANKERS ASSOCIATION OF GEORGIA

ELECTS NEW LEADERSHIP DIVISION BOARD

AT 38TH ANNUAL LEADERSHIP DIVISION CONVENTION & MINI-TRADE SHOW

.he Community Bankers Association of Georgia’s (CBA) Leadership Division elected its new Board of Directors at the 38th Annual Leadership Division Convention and Mini-Trade Show held June 22-26, 2016 at Disney’s Contemporary Resort in Lake Buena Vista, FL. “We’re pleased to welcome new and returning members to the CBA Leadership Division Board of Directors,” said Rob Braswell, President & Chief Executive Officer of Community Bankers Association. “With such a knowledgeable and motivated group of community bankers on the LD Board, we’re anticipating another very productive year. We look forward with great excitement to working with such a dynamic group.” Created in 1980, the purpose of the Community Bankers Association of Georgia's Leadership Division (LD) is to promote the advancement of tomorrow's financial industry leaders and to encourage and foster additional relationships between the CBA and its member banks. The Leadership Division has three major initiatives which include raising funds for Children’s Healthcare, promoting participation in CBA’s annual Julian & Jan Hester Scholarship, and raising funds for CBA’s PAC/PR Funds.

2016-2017

2016-2017 Leadership Division Executive Committee (l-r): • Kristi Greer, Oconee State Bank, Watkinsville, 1st Vice Chair • Jason Rooks, Flint Community Bank, Albany, Chair-Elect • Terri Bunten Guthrie, First Landmark Bank, Marietta, Chair • Kyle Ray, First Bank, Dalton, Immediate Past Chair • Debra Weil, Planters First Bank, Fitzgerald, 2nd Vice Chair

LEADERSHIP DIVISION BOARD OF DIRECTORS EXECUTIVE COMMITTEE Chair: Terri Bunten Guthrie – First Landmark Bank, Marietta Chair - Elect: Jason Rooks – Flint Community Bank, Albany 1st Vice Chair: Kristi Greer – Oconee State Bank, Watkinsville 2nd Vice Chair: Debra Weil – Planters First Bank, Fitzgerald Immediate Past Chair: Kyle Ray – First Bank, Dalton

MEMBERS AT LARGE

Chip Davis – Family Bank, Bainbridge Dave Fain – Commercial State Bank, Donalsonville Christy Howell – Waycross Bank & Trust Daniel Lopez – United Community Bank, Jasper Kevin Massey – Bank of Terrell, Dawson Michael McGahee – Bank of Camilla Greg Ponder – Pineland State Bank, Metter Adam Smith – First National Bank of Coffee County Cliff Wildes – Farmers & Merchants Bank, Statesboro Peake Wilson – CBA of GA, Atlanta

Div. 1 Chair: Vice Chair: Div. 2 Chair: Vice Chair: Div. 3 Chair: Vice Chair: Div. 4 Chair: Vice Chair: Div. 5 Chair: Vice Chair: Div. 6 Chair: Vice Chair: Div. 7 Chair: Vice Chair: Div. 8 Chair: Vice Chair: Div. 9 Chair: Vice Chair: Div. 10 Chair: Vice Chair: Ex-Officio:

Steve Kimbrell – South Georgia Bank, Glennville Jim Cowart – Durden Banking Company, Twin City Ty Bettis – Bank of Dawson, Albany Bradley Grantham – Bank of Early, Blakely Danny Adkins – Citizens Bank of Americus Matt McCranie – Community Banking Co. of Fitzgerald Greg Proffitt – Newton Federal Bank, Covington Casey Smith – Calumet Bank, LaGrange Chris Cochran – Affinity Bank, Atlanta Trae Dorough – Touchmark National Bank, Alpharetta Jonathan Pope – Exchange Bank, Milledgeville Brian Bazemore - Community Bank of Dublin - Laurens County Paul Black – Vinings Bank, Smyrna Keith Perry – American Commerce Bank, Bremen Thomas Bennett – Alma Exchange Bank & Trust Jonathon Guthrie – The Peoples Bank, Willacoochee Sue Wyatt – BrandBank, Duluth Aimee Souto – Independence Bank of Georgia Braselton Andy Thomas – The Commercial Bank, Crawford Shannon Forston – Pinnacle Bank, Elberton Rob Braswell – CBA of Georgia, Atlanta S u mme r 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

2016

MEMORIAL SCHOLARSHIPS

JULIAN & JAN HESTER MEMORIAL SCHOLARSHIP

BENJAMIN ESPY Sponsored by

AMY JENKINS Sponsored by

Benjamin Espy graduated Magna Cum Laude from Lambert High School in May 2016. Over his high school career, he held numerous leadership positions in Lambert’s Ultimate Frisbee Club, Academic Bowl, and First Redeemer 141 Youth Group. Among his academic achievements include National Merit Scholarship Letter of Commendation, Mu Alpha Theta membership, National Honor Society membership, as well as 2016 United States Presidential Scholars Program candidate. He accomplished all of this while also working at Chick-Fil-A. Mr. Espy will attend Georgia Institute of Technology in the fall.

Amy Jenkins graduated from Mountain Valley High School in May 2016. Over her high school career, she held numerous leadership positions in organizations such as National Honor Society, Mu Alpha Theta Math Honor Society, Spanish Honor Society, and Cedar Creek Baptist Church. She participated in Academic/Math/ Science Teams at regional, state and national team competitions, was involved with the Tri-M Music Honor Society as well as Model UN. She is on track to be the valedictorian of her class, was recognized as a National Merit Scholar and AP Scholar with Distinction. Ms. Jenkins will attend Mercer University in the fall.

MORGAN KNOWLTON

SARAH TINSLEY

Sponsored by

Sarah Tinsley graduated from Dawson County High School in May 2016. She held numerous leadership positions in organizations throughout her high school career with organizations such as DCHS Marching Band, Spanish National Honor Society, Future Business Leaders of America, and the Technology Student Associate. She was also involved in National Honor Society, National Beta Club, and Academic Bowl. Among her academic achievements include National Merit Commendation, and Georgia Certificate of Merit, Advanced Placement Scholar Award. Ms. Tinsley will be attending the Georgia Institute of Technology in the fall.

2016

J. STEVEN WALRAVEN MEMORIAL SCHOLARSHIP

MEMORIAL SCHOLARSHIPS

The Community Bankers Association of Georgia is pleased to announce the winner of the 2016 J. Steven Walraven Memorial Scholarship. Congratulations to Carrie Hall, Branch Manager at Century Bank of Georgia, Cartersville. Carrie was nominated by David Caswell, President, Century Bank of Georgia. Carrie attends Shorter University and is majoring in Business Administration. This $500 scholarship is awarded to a Georgia community bank employee attending a college or university within the state of Georgia. The goal of the scholarship is to assist those employees interested in furthering their education to enhance their career in community banking.

(l-r) David Caswell, Century Bank of Georgia, with Carrie Hall Sponsored by

The scholarship is named for the late J. Steven Walraven, a former community bank president who dedicated much of his life to his community and community banking. His wife Rebecca and their sons have developed the scholarship in his memory.

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

WELCOME NEW ASSOCIATE MEMBERS! The Community Bankers Association of Georgia (CBA) would like to welcome new Associate Members who were recently approved by the Board of Directors. Throughout the year, CBAâ&#x20AC;&#x2122;s Board approves quality vendors who provide products and services to CBA members. For more information on becoming an associate member, please contact Lindsay Greene at lindsay@cbaofga.com.

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Hartman Simons & Wood LLP

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Processing & Technology Solutions Mr. Chad Hogan Atlanta, GA

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The 2016 Georgia Financial Directory is back and all CBA bank members and associate members should have received their complimentary copy. The directory is your complete resource within the Georgia financial industry and contains information on banks, holding companies, savings and loans, banking products and services, and more.

â&#x20AC;&#x2039;Need an extra copy for your office or sales team? Contact

Greene (770) 541-0376 1 2Lindsay | www . cbaofat ga. com |Sum m or e r lindsay@cbaofga.com. 2016

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graduateFEATURE

MARKA SHAFFER, Assistant Vice President South Georgia Bank, Glennville

improvement. The contacts and friends made during my time at Barret are priceless!

How do you think Barret helped you and your bank? I believe the school helped me by challenging me to think outside of what we do on a day to day basis and look for ways to improve and to really become an advocate for my bank. The exposure to bankers from other banks, be it a smaller or larger bank than mine, challenged me to think and approach new ideas with a fresh perspective and evaluate the things we were getting right and work on the ones we could enhance.

Marka Shaffer with Rob Braswell, President & CEO of CBA of GA, at the Barret School of Banking

Would you recommend Barret to others and do you have Congratulations to Marka Shaffer, Assistant Vice President, South Georgia Bank in any advice for students in the Glennville, who was one of 75 graduates of the 2016 class of the Paul W. Barret, Jr. program? Graduate School of Banking , which is held on the campus of Christian Brothers University in Memphis, TN. The Barret School of Banking has been providing advanced banking education for 44 years, with a curriculum designed to provide a high degree of understanding of all commercial banking functions. During the three-year program, graduates receive 125 hours of classroom instruction and prepare in-depth reports in eight areas of study. Approximately 250 financial industry professionals from 19 states participated in the 2016 session. CBA asked Marka to share her experience at Barret.

Please share your responsibilities at the bank.

My bank responsibilities include, Human Resources, Accounting, Consumer Lending, Assistant Bank Secrecy Act Officer, SAFE Act Officer, and Assistant Board Secretary.

Why did you attend the Barret School of Banking?

My CEO encouraged me to attend Barret School of Banking as he has always been a great proponent of continuing education for his staff. I chose Barret for a number of reasons. Barret offers their banking program in one week intervals for three years versus the two week intervals some of the other schools require. Also, the curriculum was impressive and centered on the key areas required to help you enhance your bankâ&#x20AC;&#x2122;s performance and culture. I wanted to attend a banking school to expand my knowledge and gain skills to increase my contribution as a leader and team player for my bank. Barret School of Banking met and exceeded all expectations and is truly the banking school of choice.

Please share your experience at the Barret School of Banking.

My experience at Barret School of Banking was in a word, Great! The professors and speakers were engaging and top notch. The staff was very accommodating and attentive to the attendees. They made a special effort to make our time away from our families a smooth and worthwhile experience. The case studies were challenging but rewarding and allowed you to really take a good look at your bank and explore opportunities for

I would highly recommend Barret School of Banking to my fellow bankers. It is a wonderful learning experience and the contacts made will be life-long friends and resources.

My advice to the current students would be to really take advantage of the wealth of knowledge, advice and experiences they have at their disposal from fellow classmates and professors there at Barret. Additionally, I would also encourage current students to contribute during their time at Barret and make an effort to be engaged and offer their expertise.

Please tell us about your personal interests and hobbies.

My personal interests include running, biking, traveling, spending time with family and friends, and attending GSU (Georgia Southern University) football games. I have a Bachelor's degree in Health Science from Georgia Southern University. I graduated from the Georgia Banking School at the University of Georgia. I am now a graduate of the Barret School of Banking!

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11/16/15 2:21 PM

Highlights from Atlanta's Banker Regulatory Forum

BA hosted the second quarter Banker Regulatory Forum on Thursday, May 5th at the CBA office. 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 regarding possible regulation of financial technology firms, Georgia Firearms Industry Nondiscrimination Act (SB 282), high quality liquid assets, CRE lending risk, property valuation approaches, foreclosure proceedings, the Department’s annual Housekeeping Bill, the Multibank Collateral Pledging Pool bill, and same-day ACH. Following lunch with the regulators, the Bankers’ Only roundtable included an additional discussion of timely hot topics.

Special Thanks to our Exclusive Sponsor

CBA’s next Banker Regulatory Forum will be held on Thursday, August 4, 2016, at Idle Hour Country Club in Macon. Contact CBA to learn more and register today!

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ASSOCIA TIO

ERS

EO IA

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 RETURNED TO DISNEY... AND IT DID NOT DISAPPOINT!

osted at the magical world of Disney, Lake Buena Vista, Florida, CBA’s 38th Annual Leadership Division Convention & Mini-Trade Show was full of adventure, fun, excitement, inspiration and learning; and, the attendees left reinvigorated, uplifted and optimistic. “The convention was informative and it refuels me to go back and improve myself as a leader, supervisor and individual,” wrote Matt Fordham, Vice President, The Citizens Bank of Cochran. Greg Ponder, Vice President, Pineland State Bank, Metter, and first-time attendee, commented, “The convention exceeded my expectations.” The location was certainly popular but the sessions were a hit also. The Conversation with the Regulators, moderated by Michael White, Of Counsel, James-BatesBrannan-Groover, was informative. The Regulators who sat on the panel were Lori Godfrey, Georgia DBF, Courtney Hill, OCC, and Tim Hubby, FDIC.

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SPEAKERS Michael Broome’s “The People Business” was filled with “great nuggets of wisdom” and reminded the audience to acquire excellent customer service skills and effective leadership qualities.

John Collins, SecureWorks, enlightened the group on the current cyber threat landscape; and, Keith Brannan, Kasasa, shared with us how to attract and retain Gen Y / Millennial customers.

“I think this was the best convention in several years." Paul Black, Senior Vice President, Vinings Bank, Smyrna.

LEADERSHIP DIVISION

KEYNOTE ADDRESS

The keynote address, “Genius, Power & Magic: Unleashing Your Personal Magnanimitas,” was delivered poignantly by the legendary football coach Bill Curry. Coach Curry shared some extremely valuable advice on how to beat the odds, overcome weakness, negativity and doubt. He encouraged the audience to openly communicate and live in the present. His message was thought-provoking, powerful and inspiring. Rob Braswell took the stage immediately after and exclaimed, “I feel like I could run through a brick wall after that!” Outgoing LD Chair Kyle Ray, First Bank, Dalton, had been a Georgia Tech football player for Coach Curry and was thrilled to be reunited. He said of Coach, “A great leader…very inspiring…proud to have known him.”

MINI-TRADE SHOW The Mini-Trade Show was a huge success as usual with a maximum of 30 exceptional vendors advertising their beneficial and cost-saving products and services. At the conclusion of the trade show, all bankers turned in their booth cards (denoting they’d visited every booth) for a drawing. Jay Torbert, Southeastern Bank, Brunswick, won the $100 cash prize plus half-

off the registration fee for the 2017 Leadership Division Convention. Immediately after the Trade Show, attendees were able to continue conversations during the Networking Break, and then many vendors drew names and gave out their booth prizes (items included Yeti products, a Fitbit HR, other electronics, Mickey & Minnie plush animals, gift cards and more)

FUN WITH CHARACTERS! In addition to the timely topics and messages were the ever-popular MiniTrade Show, featuring 30 exhibitors from across the country, a PAC/PR fundraising 5k/Kids' Fun Run and the exciting and energized Chairman's Family Reception and Dinner during which attendees were visited by some of Disney’s most beloved characters including Elsa, Anna and Olaf from “Frozen,” Mr. Incredible and FroZone from “The Incredibles” and Belle and Beast from “Beauty and the Beast.” The night was capped off by the talent and humor of 9-time world champion juggler, Ivan Pecel.

OTHER GREAT PRIZES

The Friday and Saturday cash prizes ($250 each) were sponsored by Secured Retirement Strategies Group. We thank Dennis Christiansen and Denise Miniat for their generous support. Friday’s winner was Corey Gibbs, Community Banking Company of Fitzgerald. Saturday’s winner was Jonathon Guthrie, The Peoples Bank, Willacoochee. The “7-Minute Spotlight” was sponsored by UtiliComm Solutions. Mark Tressler (pictured left) presented his company’s products and services. All bankers and bank directors in the audience were entered into a drawing for $1,000. Greg Anderson, Capital Bank, Fort Oglethorpe was the lucky winner. CBA asked a trivia question to the attendees on Friday: What famous speech was given at Disney’s Contemporary Resort on September 17, 1971? Those who had the correct answer were put into a drawing for a $50 gift card. The winner was Powell Griffith, Farmers & Merchants Bank, Eatonton, with “Richard Nixon’s ‘I’m not a crook’ speech.” Meridian Select Insurance was Saturday’s Breakfast sponsor and Michelle Haben held a random $250 cash prize drawing. Outgoing LD Chairman Kyle Ray, First Bank, Dalton won that prize. S u mme r 2 0 1 6 | Ge o r g i a C o mm u n i t i es Fi r s t | 17

LEADERSHIP DIVISION

5K & FUN RUN

The annual PAC/PR fundraising 5K and Kids’ one-mile Fun Run were great fun in the early morning winding around the Contemporary Resort. The event raised an additional $2,500 for CBA’s PAC/PR. The male and female winners of the 5K were Ryan Alexander, FirstBank Mortgage and Ashley Armistead, wife of Grant Armistead, Kasasa. The male and female winners of the Kids’ Fun Run were Micah Webb and Hollis Webb, children of Tony Webb, ATM Response. The CBA and its Leadership Division are extremely grateful for the support and participation of the invaluable Sponsors and Exhibitors! CBA also appreciates the attendees for spending several days with us at Disney!

CONGRATULATIONS!

2016 Leadership Division of the Year

Division 8 (l-r); Kyle Ray, 2015-2016 Leadership Division Chair; Division 8 Vice Chair Thomas Bennett, Alma Exchange Bank & Trust; Division 8 Chair Adam Smith with his son Scott, First National Bank of Coffee County, Douglas; and Rob Braswell, President & CEO, CBA of GA

2016 Leadership Division Representative of the Year

Division 5 (l-r); Kyle Ray, Trae Dorough, Touchmark National Bank, Alpharetta, and Rob Braswell

Photos from the Leadership Division are included in CBA’s e-newsletter CBA Today and on the website www.cbaofga.com.

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thank you to our sponsors Platinum Sponsors

Silver Sponsors

General Sponsor

Bronze Sponsors

Individual Event Sponsors Board Appreciation Dinner

Board Appreciation Reception

Compensation Advisors

Friday Breakfast

Friday Promo Materials

Thursday Family Dinner

Board Meeting Refreshments/Presentation Friday & Saturday Cash Prize

Registration Packet & Friday Networking Break

Saturday Breakfast 7-Minute Spotlight

In-Room Gift

Saturday Break

Name Badges Welcome Refreshments

Sliders for Magic Band

Convention Totes

Convention Program

Photo Booth

Bottled Water

5k & Fun Run

Premier Sponsor

T-Shirt Sponsors

Signs Provided By

thank you to our exhibitors ACG • ATM Response • Atris Technology • BankSmart • BASYS Processing Capital Partners CDC • CBIZ • CNA • Consolidated Banking Services • CRS Data • CSRA Business Lending Cummins-Allison Corporation • SecureWorks • DeNyse Companies • Federal Reserve Bank FirstBank Correspondent Mortgage Partners • Fiserv • Genesys Technology Group, LLC • 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. • Warren Averett, LLC S u mme 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

A D BOUND! U M R E B wednesday-sunday, july 20-24, 2016 • fairmont southampton resort, bermuda Community bankers from across the state, associate members and guests are flocking to Bermuda for CBA’s 48th Annual Meeting and Trade Show, July 20-24 at the Fairmont Southampton Resort. With its pink sand beaches and warm blue waters, it’s no wonder that Bermuda is where our bankers and exhibitors want to be! Bermuda is home to 20 marvelous beaches and bays, including the beautiful Horseshoe Bay and Elbow Beach. In addition to Bermuda’s picturesque beaches, Bermuda is host to spectacular sightseeing. Explore the Crystal & Fantasy Caves, the Gibbs Hill

Lighthouse, or the Bermuda Aquarium, Museum and Zoo. Emceed by Kevin Moland from ProfitStars, this year’s Annual Meeting will feature plenty of amazing activities for bankers, associate members, families and guests! Attendees will hear from top-notch speakers covering timely topics, learn about the latest products in the exhibit hall, have the opportunity to win amazing prizes, network with peers–all in a breathtaking location! The Annual Meeting will offer several networking opportunities including the DineAround, breakfasts, breaks and, of course,

the Chairman’s Reception & Banquet, where guests will be entertained by the hilarious and talented Frank Miles. Other offerings include CBA’s Annual Golf Tournament at Port Royal Golf Course on Friday or, for those who want to enjoy the blue water, a Catamaran Sail and Coral Reef Snorkeling excursion on Friday. On Saturday morning, the Spouse/Guest Program, “Famous Homes and Hideaways Ferry Tour" around Bermuda, is one you will not want to miss.

silent/live auction with a twist One of the most popular activities at the Annual Meeting & Trade Show, the Silent Auction is your chance to purchase sports tickets, memorabilia, gift cards, restaurant packages, vacation getaways, jewelry, novelty and one-of-a-kind items. For those who enjoy our exhibit hall games, we’ll introduce our Bermuda Bean Bag Challenge! A new format and exciting live auction is planned! Your participation in the Silent/Live Auction will help raise funds for the CBA Political Action Committee (PAC) and Public Relations (PR) funds. The CBA maintains the only state PAC working exclusively for Georgia's community banks.

"7-minute spotlight" Again this year, CBA is pleased to announce two informative, as well as rewarding, presentations. Jim Reber from ICBA Securities and Clayton Braswell from ATM Response will present their own 7-Minute Spotlights. Here’s how it works: As part of the sponsorship, ICBA Securities will have a presentation on Friday, and ATM Response will have a presentation on Saturday. Learn about these two companies and how they can help your bank grow and prosper. Submit a simple entry form at the end of each presentation, and a drawing for $1,000 will be held immediately after the presentation. You have 2,000 reasons to attend and pay attention! You must be in the General Session for the entire presentation (no late walk-ins), and the drawing is only for bankers and bank directors who attend the session. Good luck!

More on Prizes! In addition to the two chances to win $1,000 with the "7-Minute Spotlight," attendees will also be eligible for the daily $300 cash prizes sponsored by Secured Retirement Strategies Group, LLC, a $500 prize in the Bermuda Bean Bag Challenge or a chance to win hundreds in the “Passport to Prizes” exhibit hall game sponsored by AloStar. 2 0 | w w w . cbaof ga. com |Sum m e r 2 0 1 6

celebrating a lifetime of service on saturday night CBA’s Lifetime Service Award recognizes bankers who have devoted 30 or more years of service to the banking industry and have been heavily involved in their community. The Association is extremely appreciative of these individuals who have served as a role model to the banking community. In addition to being recognized at the Chairman’s Banquet on Saturday night, honorees will receive a plaque and be featured in various CBA publications. Honorees with 50 or more years of service will receive a customized gold and diamond pin.

meet the speakers “Overcoming Challenges: Let’s Get Started” – Banker Peer Group Meeting Moderated by Dianne Barton Founder & President, Performance Solutions, Kennesaw, GA

“Five Trends That Will Change Your Bank Forever" Jimmy Sawyers Co-Founder, Sawyers & Jacobs LLC, Collierville, TN

attention directors: ICBA Report Rebeca Romero Rainey Chair & CEO, Centinel Bank, Taos, NM 2016-2017 ICBA Chair

“How NOT to Sell Your Bank” & “Ten Warnings for Today’s Director” Philip Smith President, Gerrish McCreary Smith, PC, Memphis, TN

keynote addresses "Overcoming Obstacles and Becoming Your Best" Saturday, July 23 Herschel Walker, Heisman-Winning Football Hall of Famer

"It's An Attitude Thing" Friday, July 22 J. Pat Hickman, Chairman & CEO, Happy State Bank, Happy, TX In 1989, J. Pat Hickman was a bank branch manager in his hometown of Canyon, Texas, working for a large regional bank -- when he heard the bank in Happy, Texas – population, 644 people - was for sale. Hickman found ten families who were willing to invest $100,000 each, and together they bought the bank. Today, Happy State Bank is the 17th largest bank in the State of Texas, with total assets of $2.8 Billion, 620 employees and 35 full-service locations in 25 different communities. Pat will invigorate, motivate and leave you with a message of hope and determination in growing your business, your bank and your community.

Herschel Walker is a retired professional football player and a three-time collegiate All-American, bobsledder, sprinter and mixed martial artist. He played college football for the University of Georgia, and won the 1982 Heisman Trophy. Walker began his professional football career with the New Jersey Generals of the United States Football League (USFL), before joining the Dallas Cowboys of the National Football League (NFL). In the NFL, he also played for the Minnesota Vikings, Philadelphia Eagles and New York Giants. He was inducted into the College Football Hall of Fame in 1999.

have the time of your life Frank Miles - Speaker & Entertainer Juggling half‐million volt stun guns, knives and torches, he makes a dramatic point about what they have in common. They all have handles. Just like life, there are parts you can get a grip on and parts you can’t control. His fear‐busting message is this: grab life by the handle, and the other end takes care of itself. Frank recently appeared multiple times on the hit show America’s Got Talent. Frank will perform after the Chairman’s Reception & Banquet on Saturday Night!

AGENDA

at a glance

WEDNESDAY, JULY 20TH Afternoon Annual Meeting Registration CBA Board of Directors Meeting (by invitation only) 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/Live Auction with Local Entertainment FRIDAY, JULY 22ND Morning Hot Breakfast Buffet with Exhibitors General Session Friday Keynote Afternoon Golf Tournament or Catamaran Sail/Snorkeling Evening Free SATURDAY, JULY 23RD Morning Hot Breakfast Buffet with Exhibitors "Famous Homes & Hideaways Tour" General Session & Saturday Keynote (Spouses / Guests welcome) Afternoon Free Evening Chairman’s Reception Chairman’s Banquet & Awards Entertainment Frank Miles SUNDAY, JULY 24TH Departures

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meet the exhibitors ATM Response • Banc Intranets, LLC • Bank Financial Services Group • BankSouth Mortgage Wholesale Division BNY Mellon/Dreyfus Investment Management • Carr, Riggs & Ingram, LLC • CBIZ Insurance • Computer Services, Inc Crescent Mortgage • DeNyse Companies • Econocheck • Fiserv • Gulf Coast Business Credit Independent Community Bankers of America • ICBA Securities • Intercept Consulting Group Investment Professionals Inc. (IPI) • Kasasa• Promontory Interfinancial Network • Secured Retirement Strategies Group, LLC SecureWorks • SHAZAM • The Baker Group • TJS Deemer Dana LLP • Travelers * As of print date

thank you to our sponsors Silver Sponsors

Platinum Sponsors

Bronze Sponsors General Sponsor

Individual Event Sponsors Board Appreciation Dinner

Board Appreciation Reception

Specialty Drinks

Compensation Advisors

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

Keynote Speaker Herschel Walker

Chairman’s Reception & Golf Prizes

7-Minute Spotlight

Friday WiFi Sponsor

Friday Promo Materials

Saturday Break

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Friday Break

Passport to Prizes

Thursday Night Carving Station

Welcome Refreshments & Bottled Water

Convention Totes

Convention Program

Hotel Key Card

Name Badges

Chairman’s Banquet

Signage Spnosor

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ENDORSED MEMBER COMAPNY SPOTLIGHT

CBA ENDORSED MEMBER COMPANY

SPOTLIGHT

In this issue, CBA is pleased to feature Brian Miller, founding member and Managing Principal of Banc Consulting Partners. We invited Brian to participate in a Q & A so you can learn more about this longtime Endorsed Member Company and a little more about Brian. Tell us about Banc Consulting Partners and your role with the company. Banc Consulting Partners (BCP) operates out of five regional offices across the country and focuses on helping banks retain their key employees with custom designed benefit programs and Bank Owned Life Insurance (BOLI). BCP provides a complete turnkey solution for executive benefits and BOLI for over 400 banks. We pride ourselves on our collective experience, with almost everyone on our team having 10 to 25 years of history in this specialized and technical industry. Many readers may remember the name Clark Consulting, which was our predecessor company and a pioneer in the BOLI and benefits arena. Six years ago I helped form BCP when Clark Consulting sold off its community banking practice. I manage all aspects of the operations at BCP, with plan design and client acquisition being my primary focus. Our extensive experience allows us to bring a ton of knowledge to the market in a very efficient manner. These efficiencies are passed along to our clients through cost savings and well-designed support technology.

How do you help Georgia’s Community Banks? We help banks motivate and retain the executives and directors that are the key to success and profitability. I have had the pleasure of working with many talented and influential Georgia banking leaders over my 20-year career. During that time, I have implemented many different types of benefit plans that make a real difference in their lives and are a reward for a lifetime of hard work. Since these are typically long term benefit plans, I have developed substantial relationships with some very interesting people over the years. Bankers sometimes get a bad rap because of the negative “Wall Street” publicity. But the people reading this will understand that community bankers are many times the most ethical and well respected members of their community. Getting to know these types of individuals and being a small part of them achieving what they so richly deserve has given me a great sense of pride and satisfaction.

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What’s new? Any hot products? There has been a focus recently on identifying the next generation of community bank leaders and implementing long term compensation strategies that focus on succession planning and retaining younger talent. Banks are in competition with not only other banks, but non-banks as well for a limited talent pool. With the current banking environment, including increased regulation, new and creative ways are in demand to motivate and retain these younger leaders.

Interesting facts about you – Education, family, hobbies, etc. I was born and raised in Marietta, GA and graduated from Georgia Southern University in Statesboro, so I have lived in Georgia my entire life. I have 3 girls that keep me very busy! The oldest is going into her 3rd year at the University of Georgia, so we are obviously big Bulldog fans. My younger daughters are ages 6 and 8 and attend St. Joseph’s Catholic School in Marietta where my wife Rebecca is also a 5th grade teacher.

What do you do for fun outside of work? Generally, I love being outdoors and involved with any kind of sports and competition. I really enjoy playing both tennis and golf, and I’ve developed a passion for deer hunting over the years. Something that I started recently was coaching my 6-year-old's softball team which has been a great experience and something that I plan to continue.

August - December Schools & Conferences Are You Registered?

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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, • Continuing Professional Education Credits,

6 7

JULY 2016

Attracting & Retaining Key Management Treasury Services: New Delivery & Service Models for Cash Management Understanding the New Overtime Rules Effective December 1, 2016: Critical Budgeting Issues & How to Determine the Appropriate Hourly Rate Modifying Existing Product Terms & Fees: Timing, Content & Requirements for Change- in-Term Notices

in Financial Accounting for Community Banks

14 Director Series: Board Oversight & Responsibility for ACH Risk*

15 New FFIEC Guidance on

Mobile Financial Services: Evolving Delivery Channels vs. Risk Management Expectations

19 Analyzing & Managing

Escrow Accounts, Including Shortages, Surpluses & Deficiencies

20 Countdown to

Letters of Credit: Rules Responsibilities & Liabilities

Grading: Methodology, Risk & Examiner Issues

4 9

AUGUST 2016 Quarterly Emerging Leader Series: Establishing New Product & Service Controls

15 Errors to Avoid When Conducting Internal Investigations

Director Series: Director & Officer Liability: Rules, Risks & Trends*

IRA Conversions & Recharacterizations: Understanding Requirements & Avoiding Errors

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

Regulations for the Frontline

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

MSB Due Diligence & Monitoring for Community Banks

Consumer Loan Documentation

16 Essential Compliance

Advanced Collection Concepts, Compliance & Risks

Essential Compliance Requirements for Lenders

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

27 Maximizing LinkedIn to Build a "Social Selling" Culture

Handling Dormant Accounts, Unclaimed Property & Escheatment

Clarifying Signature Card Confusion for Personal & Business Accounts: Compliance, Account Titling & Ownership

Protecting the SBA Guaranty Start to Finish

SEPTEMBER 2016

Overtime Rules: How to Bring Your Bank into Compliance by the December 1, 2016 Deadline

ACH for the Frontline

Performance Management: Developing Future Leaders

13 Indirect Lending:

Legally Handling ATM & Debit Card Claims Under Regulation E

Writing Effective Credit Memos & Loan Narratives

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

Coverdell & College Savings Plans

12 Call Report Series:

Annual MLO Compliance Requirements & Auditing for SAFE Act

Cyber Series: Mobile Remote Deposit Strategies: Technology, Deployment Models & Risks

OCTOBER 2016

Navigating Compliance Issues for Promotions, Bonuses, Contests & Sweepstakes

Audit Compliance Series: Auditing for BSA Compliance

E-Mail Risks, Rules, Records & Regulations

11 HR Series:

21 Debt Collection Series:

10 Saving for Education:

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

28 Commercial Credit

SEPTEMBER 2016

18 The Application

for Endorsements & Other Negotiable Instruments

Same-Day ACH: Deadline September 23, 2016

AUGUST 2016

26 Understanding

27 Risks & Precautions

13 Current Hot Issues

JULY 2016

• 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! The CBA partners with the Community Bankers Webinar Network (CBWN) to provide our members with over 130 webinars each year. The CBWN supports over 20 community bank associations across the country with webinar registrations, customer service and technical support. We invite you to register today for a webinar training option that best meets your training needs! For the most current listing of webinars, visit www.cbaofga.com.

Complying with Complex Call Report Lending Schedule Preparation

Rules, Rewards, Risks

14 Countdown to the New

18 HR Series: Essential HR Recordkeeping from Hiring to Firing

19 Liquidity Funding Concerns in a Rising Interest Rate Market

20 Understanding

Title Insurance Policies, Commitments & ALTA Endorsements

26 Opening Trust Accounts: Documentation, Signatories & FDIC Insurance Coverage

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

27 Debt Collection Series: Maximizing Recoveries on Charged-Off Loans

OCTOBER 2016

NOVEMBER 2016

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

Notary Essentials & Legalities for Community Banks

Note: Dates/Topics subject to change.

NOVEMBER 2016

Nonresident Alien Accounts: W-8s, W-8BENs, BSA, Rules & More Audit Compliance Series: Developing a Risk-Based Compliance Audit Process for Deposits Quarterly Emerging Leader Series: FFIEC Reporting & Guidance for CRA Compliance

the Board Needs to Know to Manage IT*

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

CPE Credits Available

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

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

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

15 Director Series: What

DECEMBER 2016

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

The CFPB's Four D's of Fair Lending: Deceptive Marketing Debt Traps, Dead Ends & Discrimination HR Series: Rewarding & Retaining the Best Employees Call Report Series: Improving the Call Reporting Process: Documentation, Efficiency, Accuracy, Common Errors & FAQs Powers-of-Attorney In-Depth: Good Faith, Fraud & Fiduciary Capacity

DECEMBER 2016

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

DECEMBER 2016

Essential Compliance Training for the Board & Senior Management

* 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 770-541-4492.

3rd Quarter 2016 CBA University Schedule

Classroom Training Opportunities Designed Specifically for Community Bankers! The CBA is pleased to offer close to 20 classroom programs during 3rd Quarter 2016. Everyone from the frontline staff to the board room will benefit from attending a program relating to their job responsibilities. To learn more and to register, visit cbaofga.com or contact the CBA. JULY 2016 7/12 Human Resource (HR) Forum - Workshop ll "HR Working with Information Technology "- Atlanta 7/14 Human Resource (HR)Forum - Workshop ll "HR Working with Information Technology"- Macon AUGUST 2016 8/2-3 Business Development-I and II - Atlanta 8/8-11 4th Annual Compliance Lending School - Braselton 8/9-11 BSA Officer School - JHTC - Atlanta 8/16 Inaugural Senior Retail Forum ll - Atlanta (NEW) 8/17-18 Consumer and Commercial Loan Documentation - Atlanta 8/22 7th Annual Georgia Bank Directors' College - Ritz Carlton Lodge - Greensboro 8/25-26 Cyber Risk Summit - Savannah (NEW)

SEPTEMBER 2016 9/13 Compliance Program lll - Deposit Regulations Tifton 9/14 Compliance Program lll - Deposit Regulations Macon 9/14-15 Credit Administration Workshop - Atlanta (NEW) 9/15 Compliance Program lll - Deposit Regulations Savannah 9/20 Compliance Program lll - Deposit Regulations - Rome 9/21 Compliance Program lll - Deposit Regulations Duluth 9/21-22 Commercial Real Estate Lending: Cash Flow and Appraisal Bootcamp - Atlanta (NEW)

The CBA offers a variety of educational topics via CBA Corporate Events and webinars. Visit http://web.cbaofga.com/events for the CBA Event Calendar or contact the CBA at education@cbaofga.com.

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Scenes from 2nd Quarter Education Programs Thank You Community Bankers!

Branch Management Series

Bank Director Compensation Trends & Best Practices

Commercial Lending School

April and May Compliance Programs: New Mortgage Disclosures and ACH

CBA is pleased to partner with associate member Nichols, Cauley & Associates, LLC again this year to offer the

2016 Georgia Community Bank Salary Survey.

The Salary Survey is a compilation of current salaries and general benefits for common positions within Georgia's community banks.

Please visit our website to participate! • • •

FREE to participating banks Expect results by September 1, 2016 Survey is simple and easy to use!

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TRANSFORM YOUR COMPLIANCE PROGRAM THE SIX OBJECTIVES OF A COMPLIANCE MANAGEMENT SYSTEM

"Compliance” means different things to different people. For bankers, one’s role in the institution impacts how this loaded term “compliance” is understood. Here at Continuity, we’ve seen compliance managed in thousands of different ways, across thousands of financial institutions. When viewed across a wide swath of organizations, patterns emerge that might not be visible when looked at one institution or one regulation at a time. These observations across a large sample size have helped us to bring order to the chaos and predictability to the unpredictable. Regardless of how you interpret the “C-word”, a common theme across all areas of regulatory compliance is the need to build a sustainable compliance culture - one that consistently delivers accurate, timely and cost-effective compliance outcomes across all areas of a bank’s business. In an environment where the rules are always changing and the playing field is never quite level, understanding six key objectives of a Compliance Management System (CMS) can transform how you think about, discuss, carry out and measure the effectiveness of your organization’s compliance programs.

Objective 1: Know

Most importantly, understanding the risks these requirements pose to your business and deciding how to respond to those risks - is the first ingredient in a successful CMS. Strong governance can’t be established until risk is well understood.

Objective 2: Adapt

Objective 3: Delegate

In the best organizations, modern technology makes assignment and tracking a trivial matter. The ability to delegate easily and accurately distinguishes high-performers from their less effective counterparts.

Objective 4: Do

Compliance happens on the front lines, at the point of the transaction where real-time decisions are made about whether and how to follow regulations. The best organizations meet their obligation to “do” compliance in an accurate and timely fashion by embedding compliance requirements into their routine business processes.

Objective 5: Verify

After the compliance work has been done, sound monitoring and auditing practices must be in place to verify and validate that it’s been done right.

Objective 6: Improve

Steps toward improvement are sound business practice that regulators will want to see in action, and inspect evidence of, to gain comfort that your institution can effectively police itself to resolve identified issues. These six objectives have helped bankers communicate better and faster with one another in the dynamic flux of today’s compliance landscape resulting in decreased risk, lower costs and higher efficiency ratios.

A strong CMS must adapt and keep up with the constantly changing external and internal business conditions. With regulators serving up 300+ regulatory changes per year, adaptability is key.

Pam Perdue Executive Vice President of Regulatory Operations, Continuity, A CBA Endorsed Member Company

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THE VALUE OF A TRUSTED ADVISOR FOR TELECOM

-elecom technologies that can benefit bank leaders, employees and your customers await the savvy decision maker. In my 21 years in telecom I have not seen more value available to telecom users than in today’s buyer centric market. With so many applications, delivery options, provider choices, and configuration and integration options, it’s also easier than ever to make a choice that may not ultimately be the best fit for your bank. You might consider welcoming in a trusted advisor specifically for telecom to help you reach the goals of building a plan that is resilient, redundant to the extent you determine is needed, and as cost efficient as possible. A trusted advisor for telecom should be a part of your planning, to help you stay on top of technology advances that are relevant to your goals while protecting you from the noise that is created by having so many service providers promoting all sorts of solutions. Detailed Discussion Points an advisor should be able to have with you include… •

How your current solutions are built and any limitations your current technologies create and what they might be excluding you from performing

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What services should and should not be bundled.

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How to satisfy the various interests in the bank… Technical, Operations, Financial, and general users when a solution is proposed and deployed.

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How to demonstrate and validate that a proposed solution will benefit the interests. This will likely require a significant investment on the part of your advisor…not just running you some quotes…live onsite demonstrations, review of the current operating environment, discussions with multiple bank employees, conversations with your current trusted vendors.

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An explanation as to who they work with and why. An advisor that IS in fact directly connected to the source of the solutions they recommend is far more likely to be accountable to the outcome of every solution and deployment (you don’t need another person on the email list expressing dissatisfaction, you need accountability).

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Experiences the advisor has that show they play nice in the multi-vendor sandbox that is required in most opportunities with financial institutions today.

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A review of your current monthly recurring costs and your current term agreements. Every telecom service provider has multiple contract formats and knowledge of your obligations and ramifications is vital.

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A comparison of what you have to what is available. Ask what they mean when they use terms like VoIP, EoC, SIP, managed, bundled.

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Ask for a detailed plan that keeps what is needed to be kept, and explains how the migration impacts all facets of the operation.

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Ask for a Cost/Benefit analysis of every potential solution. A picture paints a thousand words, so get a Visio diagram and a spreadsheet to back it up.

Consult your association resources and user groups to help you locate a trusted advisor for telecommunication services and solutions.

Mark Tressler Partner UtiliComm Solutions, Cumming, A CBA Endorsed Member Company

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MOBILE BANKING IN 2016

o you remember Bill Gates comment in 1994? He said “Banking is essential, banks are not”. Well, in our opinion he was half-right! What he did say that I think was 100% correct was that mobile phones are essential to the future of banking. The Bill and Melinda Gates Foundation may see mobile banking as a tool for financial inclusion in the developing world; I see it as another tool to help community banks compete with the large Financial Institutions.

services, such as remote check deposits and expedited payments, top the list of new charges consumers could see in the coming years. •

Brick-and-mortar bank branches shouldn’t worry about mobile or online banking replacing them. A Federal Deposit Insurance Corporation (FDIC) report last year found that visiting a teller remains the most common way for people to access their account.

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An opportunity for the growth and promotion of mobile banking lies in chip-enabled EMV cards, (which have also been around for years in many other countries) as both retail staff and consumers can become frustrated by how long it takes to complete a transaction with an EMV card. This creates an opportunity to promote the speed of mobile payment services such as Samsung, Apple or Android Pay ahead of the 2016 holiday shopping season.

Despite the onslaught of ads touting the benefits of services like Apple Pay or Android Pay, only 22 percent of mobile phone users made a mobile payment with their device in 2014, according to a Federal Reserve mobile financial services report last year. That could be changing drastically in 2016.

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Now, people can simply snap a photo of their check to have it instantly deposited, a service over half of mobile banking customers used in 2014 and steadily rising, according to the Federal Reserve.

Although the Office of the Comptroller of the Currency noted the value of traditional banking for low-income families, digital banking, especially when coupled with real-time payments, can also offer advantages, including liberating them from the costs of check-cashing services.

By making the customer's journey easier, making data “actionable” and taking full advantage to the “Omnichannel” experience, community banks will be able to have the 1-2 punch to win against the big banks, meaning offering the hometown customer friendly experience that community banks are known for and having all the technology advantages of the big banks.

Mobile banking offers many advantages: users can authenticate their identity and open new accounts, sign up for direct deposit, pay bills, take out loans, and deposit checks by photographing them, all from their mobile devices.

News and World Report also commented about banking trends for 2016-17. Here are a few of their comments: •

Banks are under pressure from regulators and the public to keep fees down, but that doesn’t mean they won’t find ways to viably add new charges in 2016. Fees for convenience

(Acknowledgment: BAI, World News Report)

Richard Roscher Sales Manager Community Financial Institutions First Data, Atlanta, A CBA Endorsed Member Company

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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 |Sum m e r 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

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

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

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

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

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

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

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

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

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

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

SecureWorks | Managed Internet Security Program Dave Walker | dwalker@secureworks.com | (404) 417-4651

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

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

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

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

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

Staples | Office Supply Program Janet Cook | janet.cook@staples.com | (770) 454-0663

For more information on these providers or to learn about the endorsement process, contact Lindsay Greene at (770) 541-0376 or lindsay@cbaofga.com. S u mme r 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

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