Palmetto Banker 2020 - 3

PALMETTO SOUTH CAROLINA BANKERS ASSOCIATION

Summer Issue 2020-3

Banker

JAMES A. BENNETT First Citizens Bank, Columbia 2020-2021 SCBA Chairman

2020-2021 BOARD OF DIRECTORS SCBA EXECUTIVE COMMITTEE

Chairman James A. Bennett First Citizens Bank Columbia, SC

Chairman-Elect K. Wayne Wicker South Atlantic Bank Myrtle Beach, SC

First Vice-Chairman Fleetwood S. Hassell The Bank of South Carolina Charleston, SC

Treasurer Boyd B. Jones Synovus Columbia, SC

Immediate Past Chairman Samuel L. Erwin IBERIABANK / First Horizon Greenville, SC

SCBA BOARD OF DIRECTORS

2nd Immediate Past Chairman David L. Morrow United Bank Charleston, SC

President & CEO Fred L. Green III South Carolina Bankers Association Columbia, SC

Group I Director Arnold A. Zipperer III 1st Federal Savings Bank of SC, Inc. Walterboro, SC

Group II Director Dominik Mjartan Optus Bank Columbia, SC

Group III Director Thomas R. Britt, Jr. Bank of Travelers Rest Travelers Rest, SC

Group IV Director David R. Torris Truist Bank Savannah, GA

Group V Director J. Carlisle Oxner III Arthur State Bank Union, SC

Group VI Director Robert F. Dozier, Jr. First Reliance Bank Lexington, SC

Community Bankers Council, Chairman J. Ted Nissen First Community Bank Lexington, SC

Bankers School, Chair Annette L. Scott Countybank Greenwood, SC

Young Bankers, Chair Allison B. Cranford TD Bank, N.A. Columbia, SC

Member-at-Large Thomas Bouchette The Citizens Bank Florence, SC

Member-at-Large J. Holt Chetwood Wells Fargo Columbia, SC

Member-at-Large Jennifer T. Jones CBL State Savings Bank Greer, SC

Member-at-Large John D. Kimberly Park National Bank Spartanburg, SC

Member-at-Large Rose Buyck Newton Bank of Clarendon Manning, SC

Member-at-Large C. Kyle Thomas Blue Ridge Bank Walhalla, SC

2009 Park Street I PO Box 1483 Columbia, S.C., 29202-1483 803.779.0850 I Fax: 803.779.0890

www.scbankers.org 2020-21 SC BA EXEC U TIV E CO M M ITTE E Chairman........................................................................... James A. Bennett, First Citizens Bank Chairman-Elect................................................................ K. Wayne Wicker, South Atlantic Bank First Vice Chairman....................................... Fleetwood S. Hassell, The Bank of South Carolina Treasurer.................................................................................................. Boyd B. Jones, Synovus Immediate Past Chairman................................... Samuel L. Erwin, IBERIABANK / First Horizon 2020-21 SC BA BOARD O F D IR E CTO R S Second Immediate Past Chairman................................................ David L. Morrow, United Bank President & CEO..................................... Fred L. Green III, South Carolina Bankers Association Directors...........................................................................Thomas Bouchette, The Citizens Bank

Thomas R. Britt, Jr., Bank of Travelers Rest

J. Holt Chetwood, Wells Fargo

Allison B. Cranford, TD Bank, N.A.

Robert F. Dozier, Jr., First Reliance Bank

Jennifer T. Jones, CBL State Savings Bank

John D. Kimberly, Park National Bank

Dominik Mjartan, Optus Bank

Rose Buyck Newton, Bank of Clarendon

J. Ted Nissen, First Community Bank

J. Carlisle Oxner III, Arthur State Bank

C. Kyle Thomas, Blue Ridge Bank

David R. Torris, Truist Bank

Annette L. Scott, Countybank

Arnold A. Zipperer III, 1st Federal Savings Bank of SC, Inc. 2020-21 C OMMUNI TY B A N KE R S D IV IS IO N B O A R D Chairman........................................................................... J. Ted Nissen, First Community Bank Chairman-Elect..................................................Curtis T. Evatt, Oconee Federal Savings & Loan Directors......................................................Marion E. Freeman, Jr., The Conway National Bank

L. E. Griffin, Home Federal Savings & Loan

James A. Kimbell III, Coastal Carolina National Bank

Richard N. McIntyre, First Reliance Bank

Jamie O. Morphis III, Carolina Bank & Trust Co. 2020-21 BANK ERS SC H O O L B O A R D Chair..............................................................................................Annette L. Scott, Countybank Chair-Elect........................................................................ Marvin E. Robinson, Jr., Ameris Bank Immediate Past Chair............................................. Ford P. Menefee, The Bank of South Carolina Directors.......................................................................... Richard N. Burch, South Atlantic Bank

Robert P. Hucks, II, Coastal Carolina National Bank

Calvin C. Hurst, Southern First Bank

John M. Leighton, South State Bank

Joseph A. Painter, First Community Bank

W. David Keller, The Citizens Bank

Michelle B. Seaver, United Community Bank

J. Reeves Skeen, First Citizens Bank

Robert L. White, Bank of Travelers Rest

Mze Wilkins, Ameris Bank Course Coordinators........................................................................................James R. Clarkson

John C. Griggs III, Synovus

W. David Keller, The Citizens Bank

Francis A. Townsend III, South State Bank 2020-21 Y OUNG BAN KE R S D IV IS IO N B O A R D O F D I R EC T OR S Chair.....................................................................................Allison B. Cranford, TD Bank, N.A. Chair-Elect.......................................................................................David P. Looper, Wells Fargo First Vice Chairman..................................................................Rufus T. Dunlap, V, Countybank Immediate Past Chair..................................................Elizabeth S. Steifle, Bank of Travelers Rest Directors.....................................................................................................Reid Boehm, Synovus

Michelle A. Coletta, South Atlantic Bank

Vaughan R. Dozier, Jr., First Community Bank

Margi M. Fleming, The Citizens Bank

Austin J. Goforth, Southern First Bank

Lauren D. Greene, First Citizens Bank

Daniel Harshaw, Bank of York

Othniel W. Laffitte, GrandSouth Bank

Everette J. Livingston, First Citizens Bank

S. Alexis Matthews, The Peoples Bank

Jared A. Polk, Enterprise Bank of SC

Charles H. Redmond, South State Bank

M. Brice Sprayberry III, United Community Bank

B. Oneal Staples, Ameris Bank

Trisha W. Warwick, Community First Bank

Contents 5

Past Chairman’s Message

7

Cover Story

13

ABA Update

14

Election Day

15

Preferred Vendors

26

Young Bankers Division

29

South Carolina Bankers School

30

Associate Members

43

Education & Professional Development

46

Welcome New Members

49

Personal Transactions

SC B A St a f f President & CEO............................. Fred L. Green III Executive Vice President & CFO...... Donna S. Taylor Senior Vice President....................... Carolyn L. Bradley Senior Vice President....................... E. Anne Gillespie Senior Vice President & Counsel..... A. O’Neil Rashley, Jr., Esq. Director, Advertising & IT............... M. Caroline Snijders Administrative Assistant................... Bonnie E. Nelson The Palmetto Banker is a publication of the South Carolina Bankers Association. The magazine exists to serve its members by communicating news of interest, education and SCBA activities.

Items from members are welcome, however the editor reserves the right to refuse copy. With the exception of official announcements, the SCBA disclaims responsibility for opinions expressed and statements made in articles published in the Palmetto Banker.

MI SSION DRIVEN LENDING

Partnerships Matter.

Centrant Community Capital is your lending partner at every step, offering first-lien permanent mortgages to finance affordable multifamily housing.

From initial membership through loan servicing, we provide your bank with information, support and guidance. Our loans offer a time-tested, low risk and profitable way to support community development efforts in the markets you serve.

How can we partner with you?

Contact us to learn more.

(984) 344-9992 david@centrant.org centrant.org

Past

Chairman’s Message

Erwin Proud

O F H O W A S S O C I AT I O N

Rose to Challenges

Samuel L. Erwin, Past Chairman South Carolina Bankers Association

Sam Erwin couldn’t, in his most imaginative moment, have predicted the tumult that would encompass his year as chairman of the South Carolina Bankers Association.

designed to expand the access and availability of loans to struggling small businesses, including keeping them from having to lay off employees.

During Erwin’s one-year term, which ended June 30, 2020, he saw the economy go into a steep decline as a result of the COVID-19 pandemic, with banks across the state being forced to close their lobbies and conduct much of their business via drivethrough lines, the passage of a government aid package that left banks swamped with work for weeks, and social unrest that saw rioting throughout the country, including South Carolina.

Part of the act, the Paycheck Protection Program, saw some 65 South Carolina banks close $5.7 billion in loans in a little more than 90 days. Many South Carolina institutions that handled PPP loans were inundated with work, with some bankers going three weeks or longer without a break.

On a personal note, Erwin’s institution, Louisiana-based IBERIABANK merged with First Horizon Bank of Memphis, Tenn., in a deal that closed a week after his term as chairman ended. If all that weren’t enough, he was unable to serve as host at the SCBA’s Annual Meeting, which was cancelled because of the pandemic. It is believed to be the first time in the 120-year history of the Association that no meeting was held.

When asked about his 12 months at the helm of the SCBA, though, Erwin chose to focus on the positive. The upheaval of the past few months allowed the Bankers Association to underscore the organization’s importance, he said.

“When I was at Kiawah at the 2019 SCBA Annual Meeting, I was thinking about what would be the emphasis for the coming year, and what came to mind was relevancy: how could the South Carolina Bankers Association be more relevant to our members?”

Erwin said. “Looking back at the past few months in particular, we’re absolutely proud of our relevance, but in a way that I could never have imagined.”

The SCBA helped bankers navigate first the pandemic, then the Coronavirus Aid, Relief, and Economic Security (CARES) Act,

“In times of great turmoil there is a role for organizations such as the South Carolina Bankers Association to play,” Erwin said.

“When there are more questions than answers there has to be a place for members to go to get the answers they need. We saw so clearly that the Association has a pivotal role to play in times of uncertainty.”

Erwin has spent 30 years in banking and has seen his share of economic ups and downs. Following the Great Recession of 2007-2010 he didn’t expect another dramatic downturn during his career, he said, but the pandemic proved even more challenging because it happened so quickly.

“I certainly hope we don’t experience anything like this again, but, as I’ve learned, you need to be prepared,” he said.

Erwin, who has held positions with a number of banks during his career, including First Union, Carolina National Bank and The Palmetto Bank, worked with other members of the SCBA staff and its board to react quickly once the state began to shut down in the spring as a result of COVID-19.

One of the first steps was to hold conference calls for members, an idea Erwin credits to current SCBA Chairman James Bennett.

Some calls included between 300 and 400 bankers.

S U M M E R 2 0 2 0 • PALMETTO BANKER

5

Past

Chairman’s Message “The phone calls were important,” Erwin said. “It was nice to know what other bankers were doing and when they were doing it regarding closing branches, opening branches, using just the drive-through and so on. It brought a level of comfort.

“And it wasn’t just bankers on the calls; we had regulators on there, as well,” he added. “The fact that regulators were listening in was helpful, both for the bankers and the regulators.”

CHALLENGE ACCEPTED The entire SCBA extended family pulled together to help, with bankers assisting each other on how to handle both the pandemic and the Paycheck Protection Program, Erwin said. The guidelines for the latter, at least initially, were changing on an almost-daily basis.

Erwin was the right person in the right place at the right time, said David Morrow, senior executive banking officer with United Bank and Erwin’s predecessor as SCBA chairman.

“We could not have picked a better time for Sam to be our leader,” Morrow said. “Things were changing and moving fast, and he helped us stay on top of those changes. He led weekly meetings by phone of all the bankers around the state, and often there were hundreds of bankers on those calls. He ran those meetings with skill and composure.”

Erwin, for his part, was quick to spread the credit around.

Among those he singled out were SCBA president and CEO Fred Green, who “provided wonderful guidance regarding the CARES Act and what it meant to banks and bankers,” and Rusty Richardson, chief operating officer of Anderson Brothers Bank, who “studied the act in detail and shared his knowledge” with other Palmetto State bankers, Erwin said.

The Paycheck Protection Program is part of the CARES Act. In all, $659 billion was set aside for the program, which began in early April and ran through Aug. 8. PPP loans were made by lending institutions and then guaranteed by the SBA. Borrowers applied to lenders and self-certified that they were eligible for PPP loans.

South Carolina institutions helped 63,000 small-business customers survive, allowing them to continue paying their employees. PPP loans made by Palmetto State institutions helped maintain and protect better than one in four S.C. jobs, more than 650,000 in all.

“I would say that initially it was a shock being thrown so quickly into the situation of having to help our customers keep so many employees on their payrolls,” Erwin said. “We had to carry our customers and our communities on our shoulders, but we did it.”

6

S U M M E R 2 0 2 0 • PALMETTO BANKER

By rising to the challenge, clients saw their banks from a new perspective.

“Many of our clients were aware of some of what we could do for them, but by helping them through the pandemic and helping them keep employees on their payrolls, we were able to prove our worth in a different way,” he said.

If there was a downside to Erwin’s term, it was that the pandemic prevented him from participating in some of the highlights of the chairman’s term, such as the annual trip to Washington, D.C., to visit legislators, and hosting the SCBA’s Annual Meeting, where bank leaders and bank board members from around the state gather.

Erwin took the setbacks in stride, Morrow said.

“I never once saw him show or express any frustration about not being able to do the things previous chairman had been able to do, such as host an annual meeting or go on the Washington trip,” Morrow said. “He handled it like a professional.”

Green, who was a longtime banker before taking over as president and CEO of the Bankers Association, said Erwin’s tenure brought with it some unique opportunities.

“As a past chairman of the SCBA, I felt the highlight of my term was to preside over the annual meeting. Unfortunately, Sam missed this experience,” Green said. “On the other hand, he interacted with more bankers during our 20-plus calls than any past chairman did during their term in office.”

If Erwin has a regret it’s that he didn’t get the opportunity to “pass the chairman’s gavel” to Bennett, who succeeded him as chairman. With Bennett’s ascension on July 1, he became the first African-American chairman of the SCBA and one of the few African-American state banking association chairmen in the history of the industry.

“James is certainly deserving of this honor,” he said, adding that Bennett’s election is indicative of a change needed within the industry. “We as an industry need to reflect the communities we serve.”

How does Erwin assess one of the most turbulent years in SCBA history? With a great deal of pride.

“There’s no question that the Bankers Association is stronger after all we’ve been through. It certainly was a year with a lot of excitement,” Erwin said. “I’m very proud of the job we were able to do under trying circumstances.

“It was such an honor to serve as chairman of the South Carolina Bankers Association; it’s one of the greatest honors of my career,” he added.

Cover Story

Bennett Embraces

Leading SCBA

DURING TIME OF CHANGE For the past 36 years, Bennett’s occupation of choice has been banking. He’s worked at a number of Palmetto State institutions, including Bankers Trust of South Carolina, Republic National Bank, South Carolina Community Bank, and for most of the past 26 years, First Citizens Bank. Today, Bennett is an area executive for First Citizens, overseeing 30 branches, ranging from Camden to Augusta, Ga. In July, he was named chairman of the South Carolina Bankers Association, the first African-American to hold the position.

He is the only African-American state banking association chairman at present in the country and one of just a handful in the history of the industry.

James Bennett remembers clearly when he made the decision between work and play.

He was 14 years old, and his grandmother, who raised him, laid it out following a junior varsity basketball game.

“After the game she said to me, ‘If you want to try and make a living playing basketball, I’ll support you 100 percent.

But if you don’t think you can make a living playing basketball you need to go to work.’ So I went to work at age 14,” Bennett said. “I went and found a job at Weiner King and I’ve never been unemployed a day in my life since then.”

“It’s a heavy load. Much is expected of those to whom much is given, but it’s a great honor,” Bennett said.

“Right after we received the final tally of votes electing James as Bankers Association chairman, I called him to offer my congratulations, and we shared a number of life stories,” SCBA President and CEO Fred Green said. “One of the common themes we discussed was how we had both worked hard throughout our careers. The difference is James faced barriers that I didn’t.”

Bennett’s accomplishments demonstrate that he deserves the opportunity to preside over the SCBA, said Sam Erwin, the immediate-past chairman of the SCBA and South Carolina regional president for First Horizon Bank of Tennessee.

“James has shown himself to be a great banker and a great community leader; his being chosen as chairman has nothing to do with the color of his skin,” Erwin said.

“He’s an outstanding banker and he’s earned the right to lead us.” Bennett’s scope goes beyond banking, Erwin added.

“I’m not sure that there’s a banker in South Carolina who’s more involved across the state,” he said. “He’s a person of great prominence outside of banking as well as inside the industry.”

Sharon Bryant, regional executive vice president for First Citizens Bank and a former SCBA chairman, said Bennett is the ideal choice to represent South Carolina as chairman of the Bankers Association during these trying times, and she’s excited about the positive impact he’s going to make across the state.

“I couldn’t be more proud for James to be serving as chairman of the South Carolina Bankers Association,” she said. “Having worked in banking for 36 years, he’s highly knowledgeable of the unique challenges

S U M M E R 2 0 2 0 • PALMETTO BANKER

7

Cover Story our industry and customers are facing, and he’s acutely aware of how customer behavior is evolving.”

Bennett’s introduction to banking came at a young age, while attending Pee Dee Baptist Church in his Hometown of Cheraw.

“In Cheraw, our link to banking was through the deacon of our church, James Ellerbe,” Bennett recalled. “Deacon Ellerbe worked at the bank; he wore starched khakis and had his name sewn on his shirt, and he was highly regarded within the church. When anyone in the church needed something, say a loan for a car, they didn’t go to the bank, they went to Deacon Ellerbe.

“The thing was, Deacon Ellerbe was the custodian at the bank, but he took such pride in his job that he was the face of the bank within our community,” Bennett added, confirming that people bank with people and prefer to bank with people that they can relate with.

Ellerbe worked for First Citizens in Cheraw, which was where Bennett opened his first account when he was 13 years old.

“Kids grow up with a lot of dreams, wanting to be a fireman, or a pro athlete or a policeman, but Deacon Ellerbe showed me I could work at a bank, too,” Bennett said. “I had never wanted to be a banker, but after that, I knew I could be one because of Deacon Ellerbe.”

Bennett’s grandmother also told him he had the potential to go into finance.

“My grandmother told me, ‘If you keep your nose clean maybe you can get a job down at the bank, like Deacon Ellerbe,’” he said. “James Ellerbe was the first black face that I saw at any bank.”

From UofSC to Bankers Trust of S.C. Bennett got his start in banking because of a chance meeting with a Columbia banker. During his time at the University of South Carolina, he served as an intern in the university president’s office. As he was finishing his work toward his degree in the summer of 1983, he was assisting at a university program in which low- and middle-income students visited the school.

During the program, Bennett happened to strike up a conversation with Julian Turner of Bankers Trust of South Carolina.

“As we were parting, Julian said to me, ‘If you ever need anything, give me a call,’ and he gave me his card. He probably didn’t think anything of it,” Bennett recalled.

At that time, many job interviews were done on campus, and as a political science major it would have been difficult for Bennett to get an on-campus interview with a bank, he said.

“Seeing how I was completing my final summer classes in order to graduate and I didn’t have a job, I didn’t think twice about calling Julian up,” Bennett said.

“The next thing I know I had an interview and then I was in Bankers Trust’s management training program.”

Bennett would spend three years at Bankers Trust before moving on to Republic National Bank, where he met the man who become a mentor to him: Jim Apple.

Apple, who would later serve as chairman of the SCBA, worked with Bennett at

Republic for seven years until it was acquired. After the deal, Apple joined First Citizens, and a short time later, recruited Bennett to the bank.

“Jim was one of the first outside upper management hires at First Citizens, and his first hire was me,” Bennett said. “What he was doing was preparing the bank for a different type of banker.

“To Jim’s credit he made sure that everyone that I was going to work with was prepared to receive me,” Bennett added. “Too often, companies hire people and throw them into unfamiliar situations and expect them to succeed. Jim knew that me being the first high-level African-American hire in the bank’s history could have its challenges, and he made sure that I had everything I needed to be successful.”

Bennett recognized that he had a load to shoulder but relied on one of his pastor’s maxims: “when life gets heavy, it’s not the load that breaks you down, it’s the way you carry it.”

“I had an obligation,” Bennett said, “both as one of the bank’s early outside hires and

as its first high-ranking African-American, and doing a mediocre job wasn’t in the cards as far as I was concerned. Everyone who was to come after me needed me to do a good job.”

Bennett’s hard work paid off. In 1998, he was named the SCBA’s Outstanding Young Banker, becoming the first AfricanAmerican to be recognized with the honor. Two years later, he was named chief executive officer of South Carolina Community Bank, the state’s only AfricanAmerican-owned institution, where he served for two years before returning to First Citizens.

Bennett’s other accomplishments include helping First Citizens start its Community Banking Division, assisting in the operation of Capitol City Bank, an Atlanta-based African-American bank acquired by First Citizens in 2015, and serving on numerous boards, including Dominion Energy, and serving as chairman of the board of Claflin University, one of the state’s premiere HBCUs (historically Black colleges and universities) and former chairman of the Columbia Urban League.

Seeing Opportunity in Adversity Bennett succeeded to the position of SCBA chairman at a time of tribulation.

The COVID-19 pandemic prevented the Bankers Association from not only holding in-person board meetings but forced it to cancel its annual meeting earlier this year for the first time in the 120-year history of the organization. In addition, South Carolina has not been immune from the social turbulence that has riven the nation during the past few months.

If that weren’t enough, banks across the nation were challenged by the Coronavirus Aid, Relief, and Economic Security (CARES) Act, designed to expand the access and availability of loans to struggling small businesses.

Through the Paycheck Protection Program, which began in April as part of the CARES Act, participating South Carolina banks closed $5.7 billion in loans in a little more than 90 days. Many South Carolina institutions that handled PPP loans were swamped with work, with some bankers working for three weeks or longer without a break.

S U M M E R 2 0 2 0 • PALMETTO BANKER

9

Cover Story

None of the above has fazed Bennett.

“One might consider me taking over as the first African-American chairman of the South Carolina Bankers Association during a pandemic and period of social unrest as a negative,” Bennett said. “I don’t see it that way; I see it as a huge opportunity.”

It was Bennett who came up with the idea of having SCBA members join together on conference calls to get updates on the PPP program, said Erwin, the immediate past chairman of the SCBA. On some calls there were more than 200 bankers listening in, and the joint effort proved beneficial to bankers and, ultimately, customers.

Just as importantly, Bennett believes there has never been a better time to affect societal change. He recognizes, however, that such transformation doesn’t come quickly or easily. “Change doesn’t happen overnight. It’s, at a minimum, a five- or 10-year process,” he said. “However, we now have a window of opportunity that we’ve never had before.”

One of the integral aspects to making change happen, Bennett said, is helping whites to see the role race plays in society.

10

“Black people think about race every day.

Many white people think the racial issues of the past are behind us, but recent events have shown otherwise,” he said. “Whether we’re white or black, if we think about the world through someone else’s eyes it can help make the world a better place.”

The reason we all need to think about race is to avoid unintended consequences such as not fully understanding large segments of a bank’s market, for example, Bennett said.

“You need me to think the way that I think so I can bring a different perspective, just like you need Hispanics, women and white males because of the way they think. That is true diversity. None of us are any better or any worse than our life experiences,” he said. “We all bring different perspectives, and that’s good and that’s important.

“If we would just put ourselves in the other person’s shoes, we would be a lot further along. Do unto others as you would have others do unto you, in other words,” Bennett added.

Within the industry, institutions need to ensure that they are taking inventory to make certain all employees can navigate the system, Bennett said.

S U M M E R 2 0 2 0 • PALMETTO BANKER

James A. Bennett Position: Area Executive, First Citizens Bank Age: 59 Hometown: Cheraw Education: Bachelor’s degree, Political Science, University of South Carolina Family: Wife, Cynthia; two sons

“It’s not enough to hire a senior vice president of lending who is AfricanAmerican; you have to make sure they are given the tools to succeed,” he said.

Bennett believes change is needed and peaceful protest has been a hallmark for change in America. We must fight for those things that are important and convince others to join us along the way.

“Very little can change in this country without the involvement of white people of good will.”

“I’m optimistic about the future, both of our state and of our industry,” he added. “Change doesn’t come easily, but that doesn’t mean it’s not worth the effort.”

Analyze the Impact of COVID-19 with our Trusted Data Insights

The Impact of COVID-19 has lead financial firms to assess and adjust their business continuation plans.

S&P Global Market Intelligence offers news, data, analytics, and web-based/mobile tools to give you the essential intelligence you need during this unprecedented time.

We are here to help.

Our team at S&P Global Market Intelligence want you to be as informed as possible so you can address new business challenges and volatility head-on. Count on our industry-leading data to guide you through your next critical decisions.

Here are some tools that our clients have found to be imperative resources: –

–

Commercial Prospecting Mapping Tool Visualize commercial real estate lending and business development opportunities in our powerful Maps application.

Monitor credit risk indictors of your current portfolio Leverage daily dashboards to monitor leading indicators of credit quality at your institution and analyze near and longer-term pricing levers to help stabilize your margin and net income.

–

Supply Chain and International Trade Intelligence Assess risk, locate new partners to strengthen your supply chains, and analyze new trends.

–

Leveraged Loan Commentary and Data Research Monitor and benchmark against the new realities of leveraged loan and high yield bond markets.

–

Credit Risk Management Tools and Perspectives Track macroeconomic impacts on credit risk and conduct analysis on probabilities of default.

Our Latest Analysis on the Impact of COVID-19 on Banks Reference our data insights on the global response to the coronavirus as you evaluate risk and monitor market changes.

We're tracking across industries, capital markets, supply chains, and governments to bring you what's essential in the changing landscape. To learn more about our Banking Essential Tools please go to spglobal.com/marketintelligence/en/topics/ banking-essentials Our team is here to help you assess the shifting landscape. We're all in this together.

To learn more about us, visit spglobal.com/marketintelligence/en/

Copyright © 2020 by S&P Global Market Intelligence Inc. All rights reserved.

No content, including by framing or similar means, may be reproduced or distributed without the prior written permission of S&P Global Market Intelligence or its affiliates.

The content is provided on an “as is” basis.

ABA U p d at e

RUNNING TOWARD THE

Challenge

Is racism baked into our nation’s systems of justice, health and education, or are there disproportionate correlations between race, poverty and crime? Are people too quick to accuse others of racism, or are those in positions of power too slow to recognize their role in perpetuating racial inequities? Is it fair that I posed these as either/or questions, or is all of the above true?

so must the solution. Others may think they’ve done all they can, to either great or limited effect. But we are an industry that in recent years has developed entirely new ways of banking, and in recent months demonstrated remarkable fortitude and commitment to serving our customers through the pandemic. There is more we can—and must—do to address disparities and promote prosperity for all.

While issues surrounding racial justice and inequities are demanding the nation’s attention, honest conversations seem too perilous to hold because of the way some frame the debate as binary. But that ignores the vast common and principled ground on which we all stand and distracts from a focus on meaningful solutions.

Many banks recognized this long before the pandemic hit and disproportionately harmed Black Americans, and long before the nationwide protests over the killing of George Floyd and others. Some in recent years have built rigorous diversity, equity and inclusion programs that are both inward facing (focused on employees) and external facing (focused on customers, communities and vendors). Some have pioneered new ways to qualify borrowers and bring those who have been marginalized into the banking system. We celebrate them every year with the ABA Foundation’s Community Commitment Awards. Still others have partnered with Minority Depository Institutions and Community Development Financial Institutions to share compliance resources, expertise and more to better enable those institutions to meet the needs of their often underbanked customers.

Bankers are community leaders, which means you run toward a challenge, not away from it. So as fraught as the situation may feel, ABA is engaging in an open dialogue of how the banking industry, both as employers and as facilitators of wealth creation, can further the principles everyone agrees on: That all Americans should have a truly equal opportunity to prosper and that economic inclusion is essential to creating such opportunity.

Implicit in this discussion is the belief that we each have a role to play in addressing longstanding inequities. Some may feel the problem lies elsewhere— in another community, city or state—and therefore

ABA is tapping the experiences of these banks and leveraging the expertise of our own staff experts on diversity, equity and inclusion to provide others with tools and

Rob Nichols, President and CEO American Bankers Association nichols@aba.com

resources to make a difference at their own institutions. A new peer group for institutions with robust DE&I programs met for the first time in February and is helping us identify leading industry practices in this space that we can share with members. In April, we convened our Diversity, Equity & Inclusion Advisory Group, which is composed of individuals from banks of all sizes and whose mission is to help us nurture bank DE&I efforts. I was also pleased to announce a strategic partnership this year with the National Bankers Association, the leading trade association for MDIs, to promote the health and well-being of underrepresented communities. And we are collaborating with and promoting MinBanc, which reimburses educational and professional development expenses of MDI bankers.

This is all to say that both ABA and the industry have a strong foundation upon which to build. And build we must.

Unacceptable racial disparities in health, wealth, income, education and other measures of opportunity continue to grow—and the pandemic has laid bare these disparities. Proportionately, two and half times more Black Americans have lost their lives to COVID-19 than white Americans.

We cannot shrug our shoulders and declare these inequities someone else’s problem. We cannot fail to engage. We are bankers, we are civic leaders and we must be part of the solution.

S U M M E R 2 0 2 0 • PALMETTO BANKER

13

Get Out

and Vote

Election Day is November 3rd and this election promises to be a significant one, not only due to the races on the ballots and the anticipated increase in voter participation, but also because the way we vote will be substantially different. All ballots will have the presidential race, along with the race for Sen. Graham’s U.S. Senate seat, and voters will also vote on their respective Congressional seats and their South Carolina Senate and House seats. Add to these ballots numerous local elections and you can see that November 3rd will be a big day in South Carolina and that those that are elected will have a great influence on banking.

Yet with the COVID-19 pandemic, how we vote and when we can cast our vote will also be different this year.

Due to the pandemic, many voters and public officials have concerns about in-person voting and South Carolina does not have voting by mail. In response to this, the General Assembly passed, and Governor McMaster signed into law, H5305. This law expands absentee voting to include the present state of emergency as a reason to vote absentee – but this reason only applies to the 2020 General Election.

In other words, voters who choose to vote absentee for the General Election can simply check the box on the absentee application that says “State of Emergency” as a reason they are voting absentee.

H5305 also allows absentee voting by mail for the 2020 election. To do this, simply go to the South Carolina Election Commission’s website, SCVotes.gov, to get your application; complete it, mail it to your local election office at least two weeks before the election, and then your ballot will be mailed to you. Fill out your ballot, have a witness sign the ballot envelope, and then mail it back to your local election office. Ballots returned by mail should be mailed no later than one week prior to Election Day to help ensure timely delivery. You can also still go to your local election

14

SSUUM MM MEERR 22002200 •• PALMETTO PALMETTOBANKER BANKER

office to vote absentee before November 3rd and, of course, you can still vote in-person at your precinct on November 3rd. Officials are already seeing a high demand for absentee voting and expect for it to increase through October. So act on your request now.

Finally, SCBA urges all of its member banks to support Get Out the Vote campaigns and encourage all of their bankers to vote. Educate your bankers on important issues and how they can vote or register to vote if they aren’t registered. An excellent voting and issue resource for bankers is the American Bankers Association’s site Secure American Opportunity (https://secureamericanopportunity.com/). SCVotes.gov is also a good resource for South Carolina’s election information such as voter registration, election and candidate information, voter education materials, as well as the absentee voting methods mentioned above.

Bankers’ voices need to be heard at the polls on November 3rd to insure that we have elected officials that support banking. Our elected officials have considerable impact on the laws that govern banking and it is essential that bankers get out and vote for those that support us. Elected officials that support banking don’t support it just for their local banks – instead they support their local banks because of the positive impact these banks have on their customers and communities.

Whichever way South Carolinians choose to vote this year, the fact is that voting is important and this election will have significant impact on the nation, South Carolina, and our banks. Take the time to educate yourself with the materials and sites mentioned in this article and then get out and vote – or, this year, mail it in.

We've got you covered!

ABOUT OUR PREFERRED VENDOR PROGRAM

GOALS OF OUR PREFERRED VENDOR PROGRAM

As banking continues to undergo dramatic

• To save your bank time by bringing a

developments, we must look for ways to help our

product or service to the table immediately.

members retain business, offer first rate service, and increase revenue. The mission of SCBA Services, Inc.

• To save your bank money, as Preferred

is to recognize the unique needs of our bankers, and

Vendors offer discounted member pricing.

to review and recommend products and services, which could help make community banks more

• To save your bank’s resources, as Preferred

profitable and efficient. Each of our partners provide

Vendors can often serve as an extension of

top quality services, offer generous benefits, and can

your staff.

add value to your institution.

• To produce revenue for your bank by offering We are proud to partner with the companies listed

expertise, convenience and efficiencies.

on the following pages and are so very grateful for their support of the South Carolina Bankers Association and our members.

For more information, please contact: Carolyn Laffitte Bradley South Carolina Bankers Association 803.779.0850 carolynbradley@scbankers.org

S U M M E R 2 0 2 0 • PALMETTO BANKER

15

BankTalentHQ EMPLOYMENT ADVERTISING

CBIZ PAYROLL & HR SOLUTIONS

BankTalentHQ is the premier talent management site for financial industry careers, brought to you by an alliance of state banking associations working together. Whether you are looking for a job with a financial institution, a service provider or a regulator, or you are an employer with a position to fill, BankTalentHQ is here to help you find what you need!

Experience CBIZ’s payroll and HR platform that consists of a full-suite Human Capital Management (HCM) cloud solution delivering end-to-end employee lifecycle management for the entire workforce. Its comprehensive toolset integrates HR, time and attendance, payroll, scheduling, and more for managing and nurturing an organization’s most valuable asset from pre-hire to retire.

BankTalentHQ allows you to recruit and retain the best talent for your team, simply by posting your jobs on this newly launched national job board. In addition, BankTalentHQ has partnered with TopUSAJobs, which automatically posts to 100+ job boards with a single submission. This expands your reach and draws in more qualified candidates.

Allow CBIZ to create a system customized for your needs reducing spreadsheets and increasing efficiencies.

SCBA members are eligible for an in–depth payroll analysis at no cost and special rates, contact us today for details!

MEMBER BENEFITS • Exclusive to the financial services industry • Make your jobs easy to find • Attract qualified applicants • HR resources • Engage job seekers • Develop employees with Career and Sales Coaching

Brian Hoffman, President 217.789.9340 info@banktalenthqcom www.banktalenthq.com

16

S U M M E R 2 0 2 0 • PALMETTO BANKER

MEMBER BENEFITS • Special pricing and discounts for SCBA members!

• One point of contact for all your payroll, HR, tax and reporting needs.

• Multiple ways to process: phone, e-mail, or PC-based payroll with real-time access to your data. We create a solution designed for you!

• A fully integrated cloud based HRIS Platform that includes Applicant Tracking, Benefit Administration, Per formance Management, Timekeeping components with configurable Workflows and Electronic Personnel files all in one system.

• Cost effective often 20-50% less than other national payroll vendors.

• Affordable Care Act (ACA) and Paycheck Protection Program (PPP) reporting with tracking tools. Dedicated ACA and PPP specialists at CBIZ. • HRSolutions Service with an expanded handbook builder that assures compliance in all 50 states, Online HR audit checklist to quickly assess HR compliance risks and Unlimited usage of a Live Hotline.

Sherry Burick, Regional Sales Director 336.245.2261 | sherry.burick@cbiz.com Cassie Shaw, SC District Manager 864.787.7165 | cassie.shaw@cbiz.com www.cbiz.com

CRA Partners COMPLIANCE

DDI Technology TITLING AND REGISTRATION SERVICES

CRA Partners offers a compliance solution powered by the Senior Housing Crime Prevention Foundation. Since our inception in 2000, we have helped banks across the country earn meaningful CRA credit for ensuring safe senior living environments through our turnkey crime prevention program, Senior Crimestoppers. Funded exclusively by the banking industry and endorsed by bankers associations in 30+ states, Senior Crimestoppers protects low- to moderate-income seniors living in senior housing facilities, HUD communities and state veterans homes from theft, abuse and neglect.

DDI Technology is an industry leading developer of electronic lien and titling inter faces for financial institutions nationwide. Our Premier eTitleLien® solution enables your Loan Operations team to streamline processes, improve reporting and manage exceptions within a simple, user-friendly application. Additional system features include tracking and auditing reports, extensive workflow and communication channels, user level customization and loan platform integration.

Trust DDI’s Premier TRS ™ solution for handling title processing in all 50 states, including paper title storage, while providing exceptional customer service.

The hundreds of bank partners we’ve worked with have seen the impact of their funds firsthand. Our flexible funding options make it simple for banks to get involved through a community development loan, community development investment, or a grant – it all depends on your bank’s CRA needs.

MEMBER BENEFITS • CRA-qualified loan, investment and service test credit • 100% turnkey solution, no administrative burden • Flexible, low-risk funding options • Detailed LMI documentatin for CRA exam

Shea Gabrielleschi, Vice President, Southeast Region 901.831.4138 Shea.Gabrielleschi@SHCPFoundation.org www.SHCPFoundation.org

MEMBER BENEFITS • Complete consolidation of titling and registration services • Multiple integration and automation options to include uploads and bulk lien releases • Improved exception handling via auto-per fect process to minimize staff involvement • Complete customization and flexibility to meet your title process needs • Easy-to-use, yet feature rich application • State library provides built-in for ms and state specific information

Todd Phillips, Director of Sales 803.808.4937 todd.phillips@dditechnology.com www.dditechnology.com

S U M M E R 2 0 2 0 • PALMETTO BANKER

17

Fitech Payments MERCHANT SERVICES PROVIDER

Harland Clarke PAYMENT SOLUTIONS

Fitech is the leading merchant services provider in the nation and is committed to serving the unique needs of community banks. We believe that immeasurable value exists in personal relationships and strive to provide our bank partners with the innovative products and superior cus t o m e r s e r vic e n eed ed t o keep merchants competitive in today’s payment technology market.

Harland Clarke is a leading provider of quality payment solutions, multi-channel marketing campaigns, and secure data-driven lead generation and critical communications. In addition, Harland Clarke provides promotional products, call centers, and governance, risk and compliance (GRC) solutions.

Our team, comprising fintech experts, IT professionals, community banking stakeholders and customer service leaders, is passionate about the work we do and the role we play in helping our partners meet—and exceed— their business goals. Fitech, endorsed across 38% of the country, is headquartered in Fort Worth, Texas.

The company delivers operational excellence and intelligent solutions to more than 50 million consumers and 5 million small and medium sized businesses per year through its relationships with 8,500+ of the nation’s leading financial institutions, large retailers, affiliate marketing companies and accounting software providers.

MEMBER BENEFITS Fitech provides comprehensive electronic transaction processing services to community banks throughout the United States. We own and operate our call center, risk and underwriting teams, product deployment center and data facility, so that we may bring new solutions to market quickly, incorporating best-in-class security technologies and tools with each solution. In addition to credit and debit card processing, Fitech offers an all- in-one small business product suite that integrates with existing digital banking channels. Our innovated line of business solutions includes: • ISV and Data • Countertop Terminals Integration • EMV and Contactless • 24/7 Award-winning • Point-of-Sale Systems Customer Support • Mobile Solutions • Comprehensive State• ATM Services of-the-Art Online • E-commerce Reporting • Virtual Terminal

Our Performance Excellence business model serves as the foundation for all we do. Based on the Baldrige Criteria for Performance Excellence, this approach helps us deliver ever-improving value to our clients, customers, employees, and other stakeholders, contributing to organizational sustainability and personal success.

Matt Mingenback, Vice President of Sales 316.518.8850 mmingenback@fitech.com www.fitech.com

Christine Ahlgren 678.500.5330 Christine.Ahlgren@harlandclarke.com www.hardlandclarke.com

18

S U M M E R 2 0 2 0 • PALMETTO BANKER

MEMBER BENEFITS • Be very customer-focused • Adapt rapidly to change • Focus on the vital few initiatives that will have the greatest positive impact • Make fact-based decisions • Develop and engage employees to deliver our plans • Continuously improve our processes and performance • Create a perpetual drive for sustainable growth

KeenanSuggs/HUB International INSURANCE & FINANCIAL SERVICES

NFP Executive Benefits BANK OWNED LIFE INSURANCE

HUB International, Inc. is a leading global insurance brokerage headquartered in Chicago, IL. Listed as the 5th largest insurance brokerage in the world, HUB offers a broad array of property and casualty, employee benefits, personal lines, investment and risk management products and services, HUB also brings unmatched global capabilities to clients contemplating business across the globe or who are already doing business outside the U.S. Our teams work in partnership with clients to leverage our firm’s expertise and resources.

NFP Executive Benefits, (“NFPEB”) an industry leading insurance broker with 1,250 BOLI clients, is uniquely qualified to help banks achieve their key financial goals, manage benefit liabilities, and enhance shareholder value through market-leading knowledge, tailored executive benefit plan design, bank-owned life insurance (BOLI) expertise, and BOLI administration solutions. NFPEB is a Preferred Vendor of the SCBA and has the exclusive endorsement of the American Bankers Association for the implementation and administration of both BOLI and executive and director benefit plans. To learn more about our services and products, contact Glenn Blackwood* at 561.798.5620, Joe Schaefer at 786.566.9423, or visit executivebenefits.nfp.com for more information.

MEMBER BENEFITS HUB delivers global resources to help you run your business more effectively. Our Regional HUB operating structure enables us to focus on local service and respond quickly to changing market conditions.

• Local insurance professionals supported delivering global resources.

• Preferred broker with all national as well as key regional insurance companies.

• Premium volume provides negotiating leverage with insurance companies.

• International risk management consulting and insurance brokerage services.

MEMBER BENEFITS • Bank-Owned Life Insurance (BOLI) expertise • Tailored executive benefit plan design • Administration solutions for BOLI and nonqualified benefit plans • Review of existing BOLI and nonqualified benefit plans • Seamless approach from design to implementation

*A Registered Representative of Kestra Investment Services, Inc.

Mac Humphries Insurance Advisor 803.227.4827 mac.humphries@hubinternational.com www.hubinternational.com

Glenn Blackwood, Managing Consultant 561.798.5620 glenn.blackwood@nfp.com executivebenefits.nfp.com

S U M M E R 2 0 2 0 • PALMETTO BANKER

19

Office Depot OFFICE SUPPLIES

Promontory Interfinancial Network, LLC FINANCIAL SERVICES

Office and banking supplies, print/copy services, furniture, promotional products and more!

Promontory Interfinancial Network offers a wide range of flexible funding solutions to help banks of all sizes meet planned or unexpected demands, regardless of their liquidity position. Thousands of banks choose the company’s solutions, whether seeking core or brokered deposits, retail or wholesale funding, fixedor floating-rate pricing, overnight or term options, or millions or billions of dollars. Funding is available without credit lines or ongoing collateralization and banks can easily switch back and forth between funding options. Turn to the company with the largest bank network of its kind for your institution’s funding and liquidity management needs.

MEMBER BENEFITS • Discounts up to 80% off Manufacturers Suggested List Price on a core list of 940+ frequently ordered products featuring many high use commodity items.

• Your own customized list of up to an additional 940+ items using the same steeply discounted pricing matrix as the core list.

• For miscellaneous items outside the core and custom-tailored list you can choose any other product in the Business Services Division full line catalog at 10% off retail published prices (excludes technology products).

• Free, next-day delivery on orders over $50, depending on your location

MEMBER BENEFITS • Grow franchise value with reciprocal deposits • Build multi-million-dollar relationships • Manage liquidity • Purchase funding • Buy and sell loans

Limits, other terms, and conditions apply. Insured Cash Sweep, ICS, CDARS, IND, Bank Assetpoint, and Yankee Sweep are registered service marks, and The Power of Many is a service mark, of Promontory Interfinancial Network, LLC. The Promnet Repo service is provided by Assetpoint Financial, LLC, a wholly owned subsidiary of Promontory Interfinancial Network, LLC, and a member of FINRA and SIPC.

Isaac Mares, Lead for Nat’l GPO Programs, Office Depot Business Solutions 855.337.6811 x.12878 Isaac.Mares@officedepot.com https://business.officedepot.com/banksignup 20

S U M M E R 2 0 2 0 • PALMETTO BANKER

Danny Capitel, Regional Director 866.776.6426 ext. 3476 dcapitel@promnetwork.com www.promnetwork.com

SBS CyberSecurity SECURITY & CONSULTING

South Carolina Student Loan NON-PROFIT EDUCATION LENDER

SBS CyberSecurity, LLC (SBS) is a premier cybersecurity consulting and audit firm that empowers customers to make more informed security decisions and trust the safety of their data. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to thousands of organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $130 billion. SBS delivers unique, turnkey solutions tailored to each client’s needs, including risk management, auditing, and education.

South Carolina Student Loan (SCSL) is the only statewide, non-profit education lender, dedicated to making higher education possible for those needing extra financial help to go to college. For those who have finished their education, SC Student Loan also offers graduates in the workforce a loan to refinance their student debt into one loan. We provide programs of financial assistance to enable eligible students and parents to pursue and obtain their educational goals. We will administer these programs with a high degree of professionalism, fiscal integrity, administrative accountability and excellent service. We aim to enhance the relationship you have with your customer and increase loyalty to your bank.

MEMBER BENEFITS • T R A C T M i s S B S ’ i n t e g r a t e d c y b e r s e c u r i t y r i s k management software that simplifies the risk management process and allows users to make more informed security decisions.

• SBS’ IT audit is tailored to the size and complexity of each organization, providing a personalized experience from start to finish. An SBS audit is risk based and goes beyond simply checking boxes on a list, reviewing your ISP for both compliance and adequacy.

• SBS network security services include penetration testing, vulnerability assessment, social engineering, cybersecurity audit, and more.

• SBS consultants assist organizations in building and maintaining a valuable, comprehensive, and repeatable information security program (ISP).

Consulting services consist of digital forensics, security awareness training, incident response planning, vendor management, and vCISO services.

• SBS is a leading provider of cybersecurity education in the financial industry. SBS provides a unique series of role-based cybersecurity certifications that offer industry-specific information security awareness and risk management skills to employees that will create confidence with examiners and auditors.

Jenny Beck, Account Executive 615.440.6066 jennifer.beck@sbscyber.com www.sbscyber.com

MEMBER BENEFITS • Strengthened partnership between the bank and customer • Over 40 years helping students attend college • No origination or application fees • Flexible repayment options • Fixed rates • Online loan applications • Online resource for college funding options • Uncompromised service

Sara B. Fisher, Director of Power:Ed 803.612.5046 sfisher@scstudentloan.org www.scstudentloan.org

S U M M E R 2 0 2 0 • PALMETTO BANKER

21

ServisFirst Bank FINANCIAL SERVICES

S&P Global Market Intelligence DATA & ANALYTICAL TOOLS

ServisFirst Bank offers a turn-key agent card program that allows banks to issue credit cards to their customers, both commercial and retail, with their bank’s logo. With this program, ServisFirst offers innovative product offerings, customer service and transparency on pricing. ServisFirst provides a simple, straightforward program that includes credit card marketing and portfolio management services at no cost to the member bank. ServisFirst Bank is a full-service commercial bank focused on commercial banking, correspondent banking, cash management, private banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The bank offers sophisticated cash management products, internet banking, home mortgage lending, remote deposit express banking, and highly competitive rates.

At S&P Global Market Intelligence, we integrate financial and industry data, research and news into tools that help track performance, generate alpha, identify investment ideas, understand competitive and industry dynamics, perform valuation and assess credit risk. For community banks, we offer solutions to help bankers evaluate market opportunities, manage risk and maximize performance.

MEMBER BENEFITS • Twenty percent of net profit is shared with the SCBA member bank • Compliance is managed by ServisFirst, which holds all the outstanding balances • Banks have the option to guarantee declined accounts (after review) and receive 80 percent of net profit share • Cardholder support is provided 24/7 • Bank customers can choose from four types of cards, including a platinum benefits card and a cash back rewards card for both consumers and business customers • ServisFirst Bank also offers a customized purchase card program, which allows a higher amount of control and monitoring for business owners • The card program’s implementation fee will be waived for SCBA members that are also members of the American Bankers Association

Tim Finney, Vice President, Correspondent Banking Officer 478.952.6497 tfinney@servisfirstbank.com www.servisfirstbank.com

22

S U M M E R 2 0 2 0 • PALMETTO BANKER

S&P Global Market Intelligence is a division of S&P Global (NYSE: SPGI), which provides essential intelligence for individuals, companies and governments to make decisions with confidence.

MEMBER BENEFITS • Less time spent on board and regulatory reporting for greater focus on revenue • Daily views into overall performance and operations of your bank vs. budget • Loan and deposit cash flow analysis for improved balance sheet management • I m p r o v e d c r e d i t a d m i n i s t r a t i o n w i t h f a s t e r identification of high-risk loans • Smarter personnel management to improve efficiency • Targeted customer profiles for greater, successful cross-sells • More effective marketing campaigns to grow business and reduce redundant expenses

Stacy Sheehy, Sales Executive 434.526.1978 stacy.sheehy@spglobal.com spglobal.com/marketintelligence

Strategic Resource Management, Inc. COST SAVINGS & REVENUE GROWTH ADVISORY SERVICES

StrategyCorps RETAIL CHECKING SERVICES PROVIDER

Strategic Resource Management (SRM) is a consulting fir m dedicated to giving banking institutions a competitive edge in the ever-advancing field of financial services. Aiming to provide data-driven guidance and long-term implementation strategies, SRM’s practice areas provide cost savings and revenue growth in areas such as vendor management, intelligent automation, and card portfolio optimization.

SRM is comprised of a team of industry veterans whose depth of knowledge with a variety of vendors and institutions ensures an impartial and educated advisory experience. Led by industry-leading subject matter experts, a proprietary benchmarking database, and proven negotiating skills, SRM has provided more than 1050 financial institutions with vendor, payment, and opportunity solutions resulting in more than $3.6 billion in value.

Since 2001, StrategyCorps has been the industry leader in providing modern retail checking solutions to hundreds of financial institutions, delivering its clients i n d u s t r y - l e a d i n g g a i n s i n n o n - i n t e re s t i n c o m e generation, customer engagement and organic deposit growth.

MEMBER BENEFITS • Experienced, highly specialized advisors in all facets of banking management • Fair-market benchmark analyses using data from hundreds of peer institutions • Current market data around disruptive tech trends in payments and banking • Non-disruptive, flexible, project-based engagements SRM is proud to be a preferred vendor of SCBA and offers its members a no-cost assessment. How may we help you?

Dana Davis, Senior Vice President 704.906.0440 ddavis@srmcorp.com www.srmcorp.com

StrategyCorps develops and refines its solutions through its own consumer-oriented market research, allowing them to fully understand what consumers want in checking products. This research is complemented by its own information database tracking the financial performance of nearly 7 million checking accounts incorporating nearly a billion data points. From this foundation of knowledge, StrategyCorps then uses a mobile first approach in delivering its customer-facing solutions to optimize the retail checking experience.

MEMBER BENEFITS • Customer-Friendly, Recurring Fee Income • Enhanced Customer Experience beyond Banking Transactions • Retail Checking Performance Analytics, Benchmarks and Action Plans • Prescriptive Design and Construction of Modern, Top Performing Checking Products • Aligning and Simplifying the Checking Lineup with How Consumers Buy • Prescriptive Market Research • White-label Mobile App Product Delivery • In-demand, Consumer Appealing, Competitively Different Product Benefits

Ryan Harbry 404.819.1438 ryan.harbry@strategycorps.com www.strategycorps.com

S U M M E R 2 0 2 0 • PALMETTO BANKER

23

Thumbprint Signature Program FRAUD DETECTION

Travelers Insurance INSURANCE SERVICES

Are bad checks making a dent in your profit margin?

Check fraud costs financial institutions and their customers millions of dollars each year. The Thumbprint Signature Program can help your financial institution fight check fraud without inconveniencing your customers. The Thumbprint Signature Program was created by the Texas Bankers Association to provide a simple, effective and inexpensive method for preventing and deterring check fraud. The deterrent aspect of the program is its strongest advantage. Persons wanting to cash a check are asked to place an impression of their thumbprint on the face of the check using a small “inkless” touch pad which leaves no stain or residue on users or clothing. The procedure is quick, simple and clean. Criminals seeking to commit check fraud are unlikely to put their thumbprints on bogus checks. Those who are foolish enough to cooperate leave a positive ID that can be turned over to law enforcement to be used in cases where fraud is suspected. In many cases, law enforcement will not pursue a check fraud case unless they have this ID.

Travelers has been insuring banks for more than a century. We offer insurance and risk mitigation services to help banks address a variety of exposures including: • Directors & Officers • Cyber Risk • Professional Liability • Financial Institution Bonds • Employment Practices • Fiduciary • Kidnap & Ransom • Identity Fraud • Property & Casualty • Surety Bonds

MEMBER BENEFITS • The Thumbprint touch pad is a small inkless fingerprinting device that leaves no residue on the finger or clothing.

• All Thumbprint materials are available at a nominal charge through SBAL, including touch pads, window and door decals, teller tent cards and statement stuffers.

• Many of your merchant customers may also benefit from the Thumbprint program, including a wide variety of businesses, such as casinos, grocery stores, convenient stores and many more.

Travelers has grown with the times to become more than just an insurance carrier. Travelers Financial Institutions business has dedicated teams of underwriting and claim specialists with the local knowledge and expertise needed to understand the complexities of the banking industry. Travelers also works with clients to help provide education on emerging and potential risks, and to provide risk management tools and solutions to better prepare them for the future.

Why Travelers?

• We’ve provided effective insurance solutions for more than 160 years and address the needs of a wide range of industries.

• We consistently receive high marks from independent ratings agencies for our financial strength and claims-paying ability.

• With offices nationwide, we possess national strength and local presence.

• Our dedicated underwriters and claim professionals offer extensive industry and product knowledge.

Carolyn Laffitte Bradley, Senior Vice President 803.779.0850 carolynbradley@scbankers.org www.scbankers.org

Luis Lima, Account Executive 704.544.3704 LLima@travelers.com www.travelers.com/business-insurance

24

S U M M E R 2 0 2 0 • PALMETTO BANKER

DIVERSITY IS ESSENTIAL FIND TALENT IN ALL THE RIGHT PLACES THROUGH OUR NEWEST PARTNERSHIP WITH AMERICA'S JOB EXCHANGE!

EVERY JOB YOU POST WILL BE DISTRIBUTED TO One-Stop Career Centers – 2,500 state employment offices working directly with veterans and local job seekers for job placement Community Based Organizations - Over 4,500 public and private nonprofit organizations, many focused on specific diversity hiring JOFDAV & Disabled Persons – Leading websites focused on assisting veterans and other job seekers with disabilities America’s Job Exchange Main & Niche Sites – This includes americasjobexchange.com and their network of sites that cater to veterans and individuals with disabilities

DON'T WASTE ANOTHER MINUTE! HEAD TO WWW.BANKTALENTHQ.COM AND USE CODE AJESPECIAL AT CHECKOUT TO RECEIVE 20% OFF THE JOB POSTING PACKAGE OF YOUR CHOICE!

Young Bankers Division

I N A U G E R A L B A N K PA C S P O R T I N G C L AY S TOURNAMENT FUNDRAISER:

A Huge Success

Since SCBA’s main initiative is government relations it makes the most sense for the Young Bankers to get involved in the Association’s grassroots efforts. Last year, the Division hosted the first ever BankPAC Sporting Clays Tournament Fundraiser. It was a tremendous success and raised over $20,000. Join us again on Wednesday, November 18 at the Palmetto Shooting Complex in Edgefield, SC. This four-shooter team tournament promises to be a challenging and fun event for everyone. This is also a great opportunity to invite legislators to join us and strengthen relationships with SC’s lawmakers.

The proceeds for this fundraiser allow the State BankPAC the opportunity to provide contributions to legislators who support the banking industry and the pro-business agenda in our state. PAC contributions also enable SCBA staff and bankers to have direct contact with legislators.

Othniel W. Laffitte, GrandSouth Bank and Young Bankers Division Board member is chair of this year’s event and Robert F. Dozier, Jr., First Reliance Bank and SCBA Board member is this year’s chair of the BankPAC committee.

We appreciate those who have contributed as a sponsor!

GRAND SPONSOR First Reliance Bank CONTEST SPONSOR DDI Technology, an IAA company RECEPTION SPONSOR Fitech Payments REFRESHMENT CART SPONSOR Anderson Brothers Bank PRIZE SPONSOR Turner Padget Graham & Laney, PA

STAND SPONSORS Ameris Bank Bank of Travelers Rest CBL State Savings Bank Employer HR Group Enterprise Bank of SC Federal Home Loan Bank of Atlanta First Citizens Bank Gallivan, White & Boyd, P.A. GrandSouth Bank Haynsworth Sinkler Boyd, P.A. IBERIABANK/First Horizon Integrated Financial Solutions Oconee Federal Savings & Loan Optus Bank South Atlantic Bank Steve H. Powell & Company

If you are interested in becoming a sponsor for the 2020 event, please contact Carolyn L. Bradley or Donna S. Taylor at the SCBA office at 803-779-0850.

As of September 25, 2020

26

S U M M E R 2 0 2 0 • PALMETTO BANKER

Save the Date

2021 YOUNG BANKERS DIVISION ANNUAL CONFERENCE MARCH 19-21, 2021 THE OMNI GROVE PARK INN, ASHEVILLE, NC

Strategy.

Simplified.

Strategic planning for today’s financial institution. wipfli.com/fi-sp

SRM’s mission is to help clients adapt, survive, and thrive in response to change. We reduce costs, enhance revenues, and improve business processes for our clients — with $3.6 Billion in proven results since 1992.

How may we help you?

@SRMCorp | srmcorp.com S U M M E R 2 0 2 0 • PALMETTO BANKER

27

Many Thanks At the recent BDC & CDC Annual Meetings, the following awards were presented: » Participating Member Award for SBA 7(a) Activity in 2019 – South State Bank » SC CAP Top Participating Lender Award for 2019 – First Citizens Bank » SC SSBCI Loan Participation Top Participating Lender Award for 2019 – First Citizens Bank

Jeannette Perna South State Bank

Brandi Grim First Citizens Bank

Sharon Bryant First Citizens Bank

A Leader in Small Business Lending BDCofSC.org

SAVE THE DATE 2021 SOUTH CAROLINA BANKERS SCHOOL July 11-16, 2021 | Lander University | Greenwood, SC

SCBA BankPAC Campaign DE A D L I N E – O C TOB E R 3 1 , 2 0 2 0

RELATIONSHIPS We are relationship builders, not transactional lenders.

Capital Business Funding builds relationships that last.

Goal $85,000 $79,310

Raised as of 9/29/20

Do you have a new or existing client who needs additional working capital to ensure their long term financial stability?

We provide funding sources to fuel a company’s growth and recovery.

Instead of a “look back” at cash flow, we look forward.

To experience alternative financing that works, contact Capital Business Funding today.

Please visit www.scbankers.org/bankpac/ to make your contribution today.

COLLIN D. MACKIE Partner & National Sales Manager 864.414.1739 cmackie@cbfunding.com

S U M M E R 2 0 2 0 • PALMETTO BANKER

29

We greatly appreciate our

A S S O C I A T E A/R Funding

126 Millport Circle Greenville, SC 29607 Primary Contact: Mr. Scott Chaffee schaffee@arfunding.com (864) 250-2107 www.arfunding.com Organization Type: Lending/Leasing Services

AaSys Group, Inc.

525 Lake Drive Virginia Beach, VA 23451 Primary Contact: Mrs. Colleen Wynn CWynn@aasysgroup.com (540) 908-7608 www.aasysgroup.com Organization Type: IT Services

Abrigo

12331-B Riata Trace Parkway, Building 4, Suite 200 Austin, TX 78727 Primary Contact: Ms. Jill Cacic jill.cacic@abrigo.com (512) 279-5715 www.abrigo.com Organization Type: Compliance Services

Adams and Reese, LLP

PO Box 2285 Columbia, SC 29202 Primary Contact: Mr. Matthew B. Hill matt.hill@arlaw.com (803) 212-4980 www.arlaw.com Organization Type: Law Firms

Affordable Equity Partners

168 N. Meramec Ave. #201 Clayton, MO 63105 Primary Contact: Ms. Ellen Vossbrink evossbrink@aepartners.com (573) 443-2021 aepartners.com Organization Type: Investment Banking 30

S U M M E R 2 0 2 0 • PALMETTO BANKER

M E M B E R S AgFirst Farm Credit Bank

PO Box 1499 Columbia, SC 29202 Primary Contact: Ms. Maribeth Corbett mcorbett@agfirst.com (803) 753-2418 www.agfirst.com Organization Type: Lending/Leasing Services

AgSouth Farm Credit, ACA

PO Box 718 Statesboro, GA 30459 Primary Contact: Mrs. Lisa T. Hutchinson lhutchinson@agsouthfc.com (912) 764-9091 www.agsouthfc.com Organization Type: Lending/Leasing Services

altLINE by The Southern Bank

220 King Street, Ste. 3C Charleston, SC 29401 Primary Contact: Mr. John C. Justice, Jr. cjustice@sobanco.com (843) 323-8869 altline.sobanco.com Organization Type: Lending/Leasing Services

Appalachian Development Corporation

880 S. Pleasantburg Dr., Ste. 3E Greenville, SC 29607 Primary Contact: Mr. J. Connally Bradley cbradley@adcloans.com (864) 382-2358 adcloans.com Organization Type: Lending/Leasing Services

A

S

S

O

C

I

A T

E

M

E

M

B

E

R

S

ArborOne Farm Credit

BankTalentHQ

ASL Sign Services LLC

Barnes, Alford, Stork & Johnson, LLP

PO Box 3699 Florence, SC 29502 Primary Contact: Ms. Tammy G. Smith tgsmith@arborone.com (843) 432-2322 www.arborone.com Organization Type: Lending/Leasing Services

1802 Glens Bay Rd. Myrtle Beach, SC 29575 Primary Contact: Mr. Anthony S. Leggio office.aslsigns@gmail.com (516) 644-7411 www.aslservicesmb.com Organization Type: Graphic Design Services

Atlantic Merchant Services, LLC

1121 Situs Ct., Suite 375 Raleigh, NC 27606 Primary Contact: Mr. Jerry Savage jerry.savage@atlanticmerchant.com (877) 947-1800 www.atlanticmerchant.com Organization Type: Card/Merchant Processing

ATM Response Inc.

PO Box 1743 Suwanee, GA 30024 Primary Contact: Mr. Tony Webb TWebb@ATMResponse.com (770) 855-2484 www.atmresponse.com Organization Type: ATM Services

Banc Card of America

3201 West White Oaks Dr., Suite 400 Springfield, IL 62704 Primary Contact: Mr. Brian Hoffman bhoffman@banktalenthq.com (217) 789-9340 banktalenthq.com Organization Type: Human Resource Services

1613 Main Street Columbia, SC 29201 Primary Contact: Mr. David G. Wolff david@basjlaw.com (803) 799-1111 www.barnesalford.com Organization Type: Law Firms

Barnwell Whaley Patterson & Helms, LLC

288 Meeting Street, Suite 200 Charleston, SC 29401 Primary Contact: Mr. Guy M. Dabbs, IV gdabbs@barnwell-whaley.com (843) 818-4308 barnwell-whaley.com Organization Type: Law Firms

BlueCross BlueShield of South Carolina I-20 at Alpine Road AW - 222 Columbia, SC 29223 Primary Contact: Mr. Will Joseph Will.joseph@bcbssc.com (803) 238-2068 www.southcarolinablues.com Organization Type: Insurance Products/Services

204 Bent Hook Way Greer, SC 29651 Primary Contact: Mr. Nick D. Brown nbrown@banccard.com (864) 680-0879 www.banccard.com Organization Type: Card/Merchant Processing

Burr Forman McNair

Bankers Healthcare Group

Business Development Corporation/Certified Development Corporation

201 Solar Street Syracuse, NY 13204 Primary Contact: Ms. Melissa Whelan melissa@bhg-inc.com (315) 559-7641 bankershealthcaregroup.com Organization Type: Lending/Leasing Services

1221 Main Street, Suite 1800 Columbia, SC 29201 Primary Contact: Mr. David J. Tigges dtigges@burr.com (843) 785-2171 www.burr.com Organization Type: Law Firms

111 Executive Center Dr., Suite 225 Columbia, SC 29210 Primary Contact: Mr. Peter G. Shand PShand@BDCofSC.org (803) 744-0305 www.BDCofSC.org Organization Type: Lending/Leasing Services

S U M M E R 2 0 2 0 • PALMETTO BANKER

31

A

S

S

O

C

I

A T

Cadence Bank

2800 Post Oak Blvd., Suite 3800 Houston, TX 77056 Primary Contact: Ms. Kathy Armstrong kathy.armstrong@cadencebank.com (214) 399-3968 cadencebank.com Organization Type: Correspondent Banks

Callison Tighe & Robinson LLC

M

E

M

B

E

R

S

Colite International

5 Technology Circle Columbia, SC 29203 Primary Contact: Mr. Martin Brown mbrown@colite.com (803) 935-9041 www.colite.com Organization Type: Graphic Design Services

Community Bankers’ Bank

1812 Lincoln St, Ste 200 Columbia, SC 29201 Primary Contact: Mr. Andrew C. English, III drewenglish@callisontighe.com (803) 404-6967 callisontighe.com Organization Type: Law Firms

124 Flint Point Lane Holly Springs, NC 27540 Primary Contact: Mrs. Rose J. Washofsky rwashofsky@cbbonline.com (919) 368-0217 www.cbbonline.com Organization Type: Correspondent Banks

Capital Business Funding

Compass South Appraisals

CBIZ Flex-Pay

Compensation Advisors

84 Villa Rd. Greenville, SC 29607 Primary Contact: Mr. Collin D. Mackie cmackie@cbfunding.com (864) 414-1739 cbfunding.com Organization Type: Lending/Leasing Services

4194 Mendenhall Oaks Parkway, Suite 101 High Point, NC 27265 Primary Contact: Mrs. Sherry Burick Sherry.Burick@cbiz.com (336) 245-2261 www.flex-pay.com Organization Type: Payroll Services

CenterState Bank

120 Club Oaks Court Winston-Salem, NC 27104 Primary Contact: Mr. Parker Grubbs pgrubbs@centerstatebank.com 877-604-8282 http://www.centerstatebank.com Organization Type: Correspondent Banks

Centrant Community Capital

P.O. Box 19999 Raleigh, NC 27619 Primary Contact: Mr. David R. Bennett david@centrant.org (984) 344-9992 www.centrant.org Organization Type: CRA Credit Solution

32

E

S U M M E R 2 0 2 0 • PALMETTO BANKER

PO Box 1766 Walterboro, SC 29488 Primary Contact: Mr. Travis L. Avant travis@compasssouth.com (843) 539-2400 www.compasssouthappraisals.com Organization Type: Appraisal Management

1671 Carriage Ridge Drive Greensboro, GA 30642 Primary Contact: Mr. Joseph R. Llewellyn, IV

jr.llewellyn@compensationadvisors.com

(678) 427-1015 www.compensationadvisors.com Organization Type: Consulting Services

CoSource

PO Box 1946 Anderson, SC 29622 Primary Contact: Mr. Michael Holcombe mholcombe@cosourcellc.com (864) 933-5268 www.cosourcellc.com Organization Type: Internal Audit Outsourcing CRA Partners 5100 Poplar Avenue, 11 Memphis, TN 38137 Primary Contact: Mr. David C. Lenoir David.Lenoir@SHCPFoundation.org (901) 529-4786 www.shcpfoundation.org Organization Type: CRA Credit Solution

A

S

S

O

C

I

A T

Crawford & von Keller, LLC

1640 St. Julian Place Columbia, SC 29204 Primary Contact: Mr. B. Lindsay Crawford, IV blcrawford@crawfordvk.com (803) 790-2626 www.crawfordvk.com Organization Type: Law Firms

Crescent Mortgage Company 6600 Peachtree Dunwoody Road Atlanta, GA 30328 Primary Contact: Mr. Skip Willcox swillcox@crescentmortgage.net (478) 357-4441 www.crescentmortgage.com Organization Type: Mortgage Specialists

Crowe LLP

3399 Peachtree Road N.E., Suite 700 Atlanta, GA 30326 Primary Contact: Mr. E. Michael Thomas mike.thomas@crowe.com (404) 442-1607 www.crowehorwath.com Organization Type: Accounting/CPA Services

CRS Data

820 Brookside Court Woodstock, GA 30188 Primary Contact: Mr. Jason Pruitt jpruitt@crsdata.com (770) 883-6609 www.crsdata.com Organization Type: Information Services

CSRA Business Lending

3626 Walton Way Extension, Suite 300 Augusta, GA 30909 Primary Contact: Mr. Randy Griffin rgriffin@csrardc.org (706) 210-2010 www.csrabusinesslending.com Organization Type: Lending/Leasing Services

D.A. Davidson

3218 Sussex Rd. Raleigh, NC 27607 Primary Contact: Mr. Charles Stubbs cstubbs@dadco.com (919) 740-4671 dadavidson.com Organization Type: Investment Banking

E

M

E

M

B

E

R

S

DDI Technology an IAA company PO Box 2078 Lexington, SC 29071 Primary Contact: Mr. Todd Phillips todd.phillips@dditechnology.com (803) 808-4937 www.dditechnology.com Organization Type: IT Services

DeBruin Law Firm, LLC 16 Wellington Avenue Greenville, SC 29609 Primary Contact: Mr. Bryan DeBruin Bdebruin@debruinlawfirm.com (864) 982-5930 www.Debruinlawfirm.com Organization Type: Law Firms Delta Dental 1320 Main St., Suite 650 Columbia, SC 29201 Primary Contact: Mr. H. Spann Laffitte, Jr. spann.laffitte@deltadentalsc.com (803) 454-8484 www.deltadentalsc.com Organization Type: Insurance Products/Services

Dixon Hughes Goodman LLP

4350 Congress Street, Suite 900 Charlotte, NC 28209 Primary Contact: Ms. Jenny Cavnar jenny.cavnar@dhgllp.com (704) 367-5945 www.dhgllp.com/financial-services Organization Type: Accounting/CPA Services

Elliott Davis, LLC

200 East Broad St., Suite 500 Greenville, SC 29601 Primary Contact: Mr. Robert M. Stevens Robert.Stevens@elliottdavis.com (864) 552-4819 www.elliottdavis.com Organization Type: Accounting/CPA Services

Employer HR Group

1100 Shirley Street, Ste. 200 Columbia, SC 29205 Primary Contact: Mr. Josh Ard jard@employerhrgroup.com (803) 252-2566 www.employerHRgroup.com Organization Type: Human Resource Services

S U M M E R 2 0 2 0 • PALMETTO BANKER

33

A

S

S

O

C

I

A T

E

M

E

M

B

E

R

S

EnVeritas Group

Financial Solutions

Evans, Simpson & Associates, Inc.

First Community Mortgage Inc.

9 LaGrand Blvd.

Greenville, SC 29607 Primary Contact: Mr. Brice J. Bay BRICE@ENVERITASGROUP.COM (864) 915-8301 enveritasgroup.com Organization Type: Compliance Services

107 Huntsman Lane Lexington, SC 29072 Primary Contact: Mr. Donald Ballentine dballentine@evans-simpson.com (864) 361-0794 www.evans-simpson.com Organization Type: Insurance Products/Services

125 Herren Lane Homer, LA 71040 Primary Contact: Ms. Patti Joyner Patti.Joyner@finsolinc.com (828) 980-4236 www.finsolinc.com Organization Type: Compliance Services

105 Firethorne Court Greer, SC 29650 Primary Contact: Mr. Seth Gottesman Seth.Gottesman@fcmpartners.com (864) 238-4246 www.fcmpartners.com Organization Type: Mortgage Specialists

Fiserv Inc. Federal Home Loan Bank of Atlanta

1475 Peachtree St. Atlanta, GA 30309 Primary Contact: Mr. R. Daniel Williams DWilliams3@fhlbatl.com (404) 888-8449 www.fhlbatl.com Organization Type: Correspondent Banks

Federal Reserve Bank of Richmond

530 E. Trade St. Charlotte, NC 28202 Primary Contact: Mr. Matthew A. Martin matthew.martin@rich.frb.org (704) 358-2101 rich.frb.org Organization Type: Government Related Entity

FHN Financial

845 Crossover Lane, Ste 150 Memphis, TN 38117 Primary Contact: Mr. Trae Winston trae.winston@ftnfinancial.com (901) 435-8757 www.fhnfinancial.com Organization Type: Investment Advisory

34

S U M M E R 2 0 2 0 • PALMETTO BANKER

2155 Fairhaven Cir NE Atlanta, GA 30305 Primary Contact: Mr. Austin Dunn austin.dunn@Fiserv.com (470) 462-8827 www.fiserv.com Organization Type: Data Processing

Fitech Payments

301 Commerce St. #1400 Fort Worth, TX 76102 Primary Contact: Mr. Matt Mingenback mmingenback@fitech.com (817) 698-2268 www.fitech.com Organization Type: Card/Merchant Processing

FNBB Capital Markets

600 University Park Place, Ste. 380 Birmingham, AL 35209 Primary Contact: Mr. Wes Caudell wcaudell@bankers-bank.com (205) 262-2540 www.bankers-bank.com Organization Type: Investment Banking

Fox Rothschild LLP

2 West Washington Street, Suite 1100 Greenville, SC 29601 Primary Contact: Mrs. Katherine H. Laffitte KLaffitte@foxrothschild.com (864) 751-7635 www.foxrothschild.com Organization Type: Law Firms

A

S

S

O

C

I

A T

E

M

E

M

B

E

R

S

Gallivan, White & Boyd, P.A.

Holliday Ingram LLC

Graybill, Lansche & Vinzani, LLC

Hovde Group, LLC

PO Box 7368 Columbia, SC 29202 Primary Contact: Ms. Lindsay A. Joyner LJoyner@gwblawfirm.com (803) 724-1706 gwblawfirm.com Organization Type: Law Firms

225 Seven Farms Drive, Suite 107 Charleston, SC 29492 Primary Contact: Mr. Jacob S. Barker jbarker@glvlawfirm.com (843) 408-4063 www.glvlawfirm.com Organization Type: Law Firms

Haberfeld

206 S.13th St., Suite 1500 Lincoln, NE 60508 Primary Contact: Mr. Grant R. Ossenkop grant@haberfeld.com (402) 323-3605 www.haberfeld.com Organization Type: Marketing

Harland Clarke

15955 La Cantera Parkway San Antonio, TX 78256 Primary Contact: Ms. Christine Ahlgren Christine.Ahlgren@harlandclarke.com (678) 500-5330 www.harlandclarke.com Organization Type: Check Printing

Haynsworth Sinkler Boyd, P.A.

PO Box 11889 Columbia, SC 29211 Primary Contact: Mr. George S. King cking@hsblawfirm.com (803) 779-3080 www.hsblawfirm.com Organization Type: Law Firms

Holder Padgett Littlejohn + Prickett, LLC

PO Box 1804 Greenville, SC 29602 Primary Contact: Mr. F. Lee Prickett, III lprickett@hplplaw.com (864) 335-8488 www.hplplaw.com Organization Type: Law Firms

25 E. Court St., Ste 201 Greenville, SC 29601 Primary Contact: Mr. J. Hayes Holliday Hayes@HollidayLawFirm.com (864) 232-3541 www.HollidayIngram.com Organization Type: Law Firms

615 South Collete Street, 9th Floor Charlotte, NC 28202 Primary Contact: Mr. Michael P. Corso mcorso@hovdegroup.com (312) 614-0522 www.hovdegroup.com Organization Type: Investment Banking

Hunt Financial Group

4810 Ashley Park Lane, Unit 1419 Charlotte, NC 28210 Primary Contact: Mr. Timothy Hunt thunt@huntfinancialgroup.net (980) 335-2285 www.cplanning.com Organization Type: Bank Owned Life Insurance

Hunton Andrews Kurth LLP

8040 N. Park Street Dunn Loving, VA 22027 Primary Contact: Mrs. Heather Archer Eastep heastep@huntonak.com (202) 955-1954 www.huntonak.com/en/ Organization Type: Law Firms

Hutchens Law Firm LLP

240 Stoneridge Drive, Suite 400 Columbia, SC 29210 Primary Contact: Mr. John S. Kay john.kay@hutchenslawfirm.com (803) 726-2700 HutchensLawFirm.com Organization Type: Law Firms

ICI Consulting, Inc.

2012 Cochran Road Maryville, TN 37203 Primary Contact: Mr. Keith Shiver keith.shiver@ici-consulting.com (865) 414-0738 www.ici-consulting.com Organization Type: IT Services

S U M M E R 2 0 2 0 • PALMETTO BANKER

35

A

S

S

O

C

I

A T

E

M

E

M

B

E

R

S

Integrated Financial Solutions

Janney Montgomery Scott LLC

J. Outlaw Consulting

Kasasa

4725 Forest Ridge Lane Columbia, SC 29206 Primary Contact: Mr. Michael W. Boozer mboozer.ifs@gmail.com (803) 201-9062 Organization Type: Insurance Products/Services

303 Newport Hill Ct. Lexington, SC 29072 Primary Contact: Mr. Jimmy Outlaw jimmy@outlawconsulting.com (803) 730-8464 www.joutlawconsulting.com Organization Type: Consulting Services

J. P. Morgan

237 Park Ave., 7th Floor New York, NY 10017 Primary Contact: Mr. Michael D. Bennett michael.d.bennett@jpmorgan.com (212) 270-0530 www.jpmorgan.com Organization Type: Investment Advisory

J. W. Hunt and Company, LLP

PO Box 265 Columbia, SC 29202 Primary Contact: Mr. William T. Pouncey wtp@jwhunt.com (803) 728-8655 www.jwhunt.com Organization Type: Accounting/CPA Services

Jack Henry Banking

663 W. Hwy 60 Monett, MO 65708 Primary Contact: Ms. Jacqueline Scheider JScheider@profitstars.com (417) 235-6652 www.jackhenrybanking.com Organization Type: Data Processing

1475 Peachtree Street, NE Atlanta, GA 30309 Primary Contact: Mr. Eric Lawless elawless@janney.com Phone: (404) 601-7202 www.janney.com Organization Type: Risk Management Services

451 Seton Center Parkway, Ste. 300 Austin, TX 78759 Primary Contact: Mr. Kris Nuss kris.nuss@kasasa.com (205) 516-9925 kasasa.com Organization Type: Consulting Services

KeenanSuggs|HUB International

1330 Lady Street Columbia, SC 29201 Primary Contact: Mr. Mac Humphries Mac.humphries@hubinternational.com (803) 227-4827 www.keenansuggs.com Organization Type: Insurance Products/Services

Ken Smith, Inc.

8661 Monroe Road Charlotte, NC 28212 Primary Contact: Mrs. L.A. Smith la@kensmithinc.com (704) 536-1300 www.kensmithinc.com Organization Type: Physical Security Equipment

Magnolia Financial, Inc.

187 W. Broad Street Spartanburg, SC 29305 Primary Contact: Mr. Marc Smith msmith@magfinancial.com (864) 699-8178 www.magfinancial.com Organization Type: Lending/Leasing Services

Mauldin & Jenkins, LLC

200 Galleria Parkway, Suite 1700 Atlanta, GA 30339 Primary Contact: Mr. Kris Trainor ktrainor@mjcpa.com (770) 955-8600 www.mjcpa.com Organization Type: Accounting/CPA Services

36

S U M M E R 2 0 2 0 • PALMETTO BANKER

A

S

S

O

C

I

A T

E

M

E

M

B

E

R

S

Monarch Private Capital

Office Depot Inc.

MPA Systems

Ogletree, Deakins, Nash, Smoak & Stewart, P.C.

3414 Peachtree Rd, NE, Suite 825 Atlanta, GA 30326 Primary Contact: Mr. Brett Barringer bbarringer@monarchprivate.com (334) 663-4523 www.monarchprivate.com Organization Type: Financial Services

3903 Keystone Ridge Acworth, GA 30101 Primary Contact: Mr. Darin P. Ruhl druhl@mpasystems.com (469) 350-8094

blackdiamondgroup.com/mpa-systems

Organization Type: Bank Architects/ Construction

Nelson Mullins Riley & Scarborough, LLP

PO Box 11070 Columbia, SC 29211 Primary Contact: Mr. John T. Moore john.moore@nelsonmullins.com (803) 255-9415 www.nelsonmullins.com Organization Type: Law Firms

NETBankAudit

610 Chamberlain Street Raleigh, NC 27607 Primary Contact: Ms. Elizabeth Nicolas enicolas@netbankaudit.com (800) 243-0416 www.netbankaudit.com Organization Type: Compliance Services

Nexsen Pruet, LLC

9501 Amberglen Blvd., Suite 200 Austin, TX 78729 Primary Contact: Mr. Isaac Mares isaac.mares@officedepot.com (855) 337-6811 business.officedepot.com Organization Type: Office Supplies

First Base Building, 2142 Boyce Street, Suite 401 Columbia, SC 29201 Primary Contact: Mr. Christopher R. Thomas Christopher.R.Thomas@ogletree.com (803) 252-1300 www.ogletreedeakins.com Organization Type: Law Firms

Parker Poe Adams & Bernstein LLP 1221 Main Street, Suite 1100 Columbia, SC 29201 Primary Contact: Mr. M. Todd Haynie, III toddhaynie@parkerpoe.com (803) 253-8915 www.parkerpoe.com Organization Type: Law Firms

Paymerang

7401 Beaufont Springs Drive, Suite 300 Richmond, VA 23225 Primary Contact: Mr. Christopher Carlton ccarlton@paymerang.com (804) 302-8510 www.paymerang.com/ Organization Type: Check Printing

55 E. Camperdown Way 4th floor Greenville, SC 29601 Primary Contact: Mr. James T. Hedgepath jhedgepath@nexsenpruet.com (864) 282-1139 www.nexsenpruet.com Organization Type: Law Firms

PCBB

NFP Executive Benefits

Pearl Meyer & Partners, LLC

3500 Fairlane Farms Road, Ste. 11 West Palm Beach, FL 33414 Primary Contact: Mr. Glenn Blackwood glenn.blackwood@nfp.com (561) 798-5620 executivebenefits.nfp.com Organization Type: Bank Owned Life Insurance

4505 Country Club Road, Suite 120 Winston-Salem, NC 27104 Primary Contact: Mr. Frank F. Spence fspence@pcbb.com (415) 399-1900 www.pcbb.com Organization Type: Correspondent Banks 505 Millstone Drive Hillsborough, NC 27278 Primary Contact: Mr. J. Timothy O’Rourke tim.orourke@pearlmeyer.com (919) 644-6962 www.pearlmeyer.com Organization Type: Consulting Services

S U M M E R 2 0 2 0 • PALMETTO BANKER

37

A

S

S

O

C

I

A T

Pentegra Retirement Services

2 Enterprise Dr., Ste 408 Shelton, CT 6484 Primary Contact: Mr. Wade M. Connor wade.connor@pentegra.com (914) 821-9578 www.pentegra.com Organization Type: Human Resource Services

Performance Trust Capital Partners, LLC

260 Seven Farms Drive, Unit E Charleston, SC 29492 Primary Contact: Mr. Ryan Tillery rtillery@performancetrust.com (312) 521-1465 www.performancetrust.com Organization Type: Investment Advisory

Pintail Capital Advisors

PO Box 9776 Greenville, SC 29604 Primary Contact: Mr. Tommy DeMint tommy@pintailcap.com (864) 729-4500 www.pintailcapitaladvisors.com Organization Type: Brokerage Services

Piper Sandler & Co.

M

E

M

B

E

R

S

Provident Business Financial Services

3125 Hebron Drive West Columbia, SC 29169 Primary Contact: Mr. Keith Black kblack@providentbfs.com (803) 791-0071 www.providentbfs.com Organization Type: Lending/Leasing Services

Raymond James & Associates, Inc.

4000 Westchase Blvd., Suite 500 Raleigh, NC 27607 Primary Contact: Mr. William J. Wagner william.j.wagner@raymondjames.com (919) 755-2601 www.rjfigbanking.com Organization Type: Investment Banking

Renasant Mortgage Lending

45 Lakecrest Drive Columbia, SC 29206 Primary Contact: Mr. Robert G. Boone bob.boone@renasant.com (803) 269-3191 www.Renasantconnect.com Organization Type: Mortgage Specialists

3424 Peachtree Road, NE, Ste 2050 Atlanta, GA 30326 Primary Contact: Mr. Kevin P. O’Keefe Kevin.OKeefe@psc.com (800) 898-6547 www.pipersandler.com/ Organization Type: Investment Banking

Resurgent Performance, Inc.

Promontory Interfinancial Network, LLC

Riley Pope & Laney, LLC

84 River Park Drive Atlanta, GA 30328 Primary Contact: Mr. Danny Capitel dcapitel@promnetwork.com (703) 292-3476 www.promnetwork.com Organization Type: Brokerage Services

38

E

S U M M E R 2 0 2 0 • PALMETTO BANKER

9011 Chagrin Drive, Unit 102 Cornelius, NC 28031 Primary Contact: Mr. Harry Lowman Hlowman@resurgentperformance.com (972) 446-9283 www.resurgentperformance.com Organization Type: Consulting Services

2838 Devine Street Columbia, SC 29205 Primary Contact: Mr. T. Lowndes Pope lpope@rplfirm.com (803) 799-9993 www.rplfirm.com Organization Type: Law Firms

A

S

S

O

C

I

A T

Robinson Gray Stepp & Laffitte, LLC 1310 Gadsden Street Columbia, SC 29211 Primary Contact: Mr. R. William Metzger, Jr. bmetzger@robinsongray.com (803) 227-1130 robinsongray.com Organization Type: Law Firms

Roe Cassidy Coates & Price, P.A. 1052 N. Church St. Greenville, SC 29601 Primary Contact: Mrs. Amber B. Glidewell aglidewell@roecassidy.com (864) 349-2620 www.roecassidy.com Organization Type: Law Firms

Rogers, Townsend & Thomas, PC 1221 Main Street Columbia, SC 29201 Primary Contact: Mr. Stuart M. Lee stuart.lee@rtt-law.com (803) 771-7900 www.rtt-law.com Organization Type: Law Firms

Route 2 Capital Partners

110 E. Count Street, Suite 501 Greenville, SC 29601 Primary Contact: Mr. R. Patrick Weston pweston@route2capital.com (864) 484-9371 www.route2capital.com Organization Type: Private Equity

S&P Global Market Intelligence

One SNL Plaza Charlottesville, VA 22902 Primary Contact: Ms. Stacy Sheehy Stacy.Sheehy@spglobal.com (434) 529-1978 www.spglobal.com Organization Type: Information Services

Safe Systems, Inc.

1145 Sanctuary Parkway, Ste. 400 Alpharetta, GA 30009 Primary Contact: Mr. Adam Causey adam.causey@safesystems.com (770) 752-0550 www.safesystems.com/ Organization Type: IT Services

E

M

E

M

B

E

R

S

SB Value Partners, L.P.

16414 San Pedro Ave, Ste.240 San Antonio, TX 78232 Primary Contact: Mrs. Haley Segovia haley.segovia@sbvalue.com (210) 483-5050 www.sbvalue.com Organization Type: Investment Advisory

SBS CyberSecurity

1033 Demonbreun Street, Suite 300 Nashville, TN 37203 Primary Contact: Ms. Jenny Beck jennifer.beck@sbscyber.com (615) 440-6066 sbscyber.com Organization Type: Consulting Services

SC JEDA

1201 Main Street, Suite 1600 Columbia, SC 29201 Primary Contact: Mr. Harry A. Huntley hhuntley@scjeda.com (803) 737-0627 www.scjeda.com Organization Type: Government Related Entity

Security Technology Services, Inc.

PO Box 105 Columbia, SC 29202 Primary Contact: Mr. J. Neal Beard, III nbeard@sts-southeast.com (803) 776-8852 www.stscarolinas.com Organization Type: Physical Security Equipment

Sentinel Risk Advisors, LLC

4700 Six Forks Road, Suite 200 Raleigh, NC 27609 Primary Contact: Mr. Michael G. Carlton mcarlton@sentinelra.com (919) 926-4631 sentinelra.info Organization Type: Insurance Products/Services

SHAZAM Network

2965 Sunset Drive Donalsonville, GA 39845 Primary Contact: Mr. J. Alex Jernigan jjernig@shazam.net (229) 861-3802 www.shazam.net Organization Type: Card/Merchant Processing

S U M M E R 2 0 2 0 • PALMETTO BANKER

39

A

S

S

O

C

I

A T

M

E

M

B

E

R

S

Smith Debnam Narron Drake Saintsing & Myers, LLP

SouthEastern Evaluation

1720 Main St., Suite 104 Columbia, SC 29201 Primary Contact: Ms. Jeriel Ashantae Thomas jthomas@smithdebnamlaw.com (919) 250-2155 www.smithdebnamlaw.com/ Organization Type: Law Firms

PO Box 1971 Greenville, SC 29602 Primary Contact: Mr. J. Mark Chapman mchapman@see-amc.com (866) 538-4435 www.see-amc.com Organization Type: Appraisal Management

Source4

Southern Bank Equipment

South Carolina Bankers Employee Benefit Trust

Stephens Inc.

South Carolina Board of Financial Institutions

Steve H. Powell & Company

South Carolina State Treasurer

Strategic Resource Management, Inc.

19520 West Catawba Avenue, Suite 113 Cornelius, NC 28031 Primary Contact: Mr. Dan Siadak dan.siadak@source4.com (704) 560-2470 www.source4.com Organization Type: Marketing

PO Box 533 Chapin, SC 29036 Primary Contact: Ms. Teresa D. Taylor ttaylor@scbebt.org (803) 575-8401 www.scbebt.org Organization Type: Healthcare

1205 Pendleton Street, Ste. 305 Columbia, SC 29201 Primary Contact: Mr. Richards H. Green rick.green@banking.sc.gov (803) 734-2003 www.bofi.sc.gov Organization Type: Government Related Entity

POB ox 11778 Columbia, SC 29211 Primary Contact: The Honorable Curtis M. Loftis treasurer@sto.sc.gov (803) 734-2101 treasurer.sc.gov Organization Type: Government Related Entity

South Carolina Student Loan

8906 Two Notch Road Columbia, SC 29223 Primary Contact: Mr. Trey Simon tsimon@scstudentloan.org (803) 612-5052 www.scstudentloan.org/ Organization Type: Lending/Leasing Services 40

E

S U M M E R 2 0 2 0 • PALMETTO BANKER

PO Box 938 Duluth, GA 30096 Primary Contact: Ms. Beth Hausmann beth@southernbankequipment.com (770) 751-1412 www.southernbankequipment.com Organization Type: Physical Security Equipment

901 E. Byrd St, Suite 1110 Richmond, VA 23219 Primary Contact: Mr. Matthew A. Switzer matthew.switzer@stephens.com (804) 296-0275 www.stephens.com Organization Type: Investment Banking

PO Box 2701 Statesboro, GA 30459 Primary Contact: Mr. Steve H. Powell spowell@shpco.net (912) 764-1934 www.shpco.net Organization Type: Compliance Services

17114 Bridgeton Lane Huntersville, NC 28078 Primary Contact: Mr. Dana P. Davis ddavis@srmcorp.com (704) 906-0440 www.srmcorp.com Organization Type: Consulting Services

StrategyCorps

100 Westwood Place, Suite 400 Brentwood, TN 37027 Primary Contact: Mr. Austin Porter austin.porter@strategycorps.com (615) 263-7777 www.strategycorps.com Organization Type: Marketing

A

S

S

O

C

I

A T

E

M

E

M

B

E

R

S

Tandem Innovative Payment Solutions

The Fitts Company

728 N. Pleasantburg Dr. Greenville, SC 29607 Primary Contact: Mr. Larry R. Feniger larry.feniger@tandempayment.com (864) 672-1570 www.tandempayment.com Organization Type: Card/Merchant Processing

55 Sirens Lane Gaston, SC 29053 Primary Contact: Mrs. Dee Dee Simmons dsimmons@thefittscompany.com (803) 359-5947 www.thefittscompany.com Organization Type: Bank Architects/ Construction

Taylor Advisors

The Sourcing Group LLC

700 N. Hurstbourne Pkwy Ste. 110 Louisville, KY 40222 Primary Contact: Mr. Todd Taylor todd@tayloradvisor.com (502) 412-2524 www.tayloradvisor.com/ Organization Type: Consulting Services

TCG & Associates, Merrill Lynch 1301 Gervais St., Suite 1500 Columbia, SC 29201 Primary Contact: Mr. Michael P. Velasco mike_velasco@ml.com (803) 733-2179 fa.ml.com/tcgandassociates Organization Type: Portfolio Management Services

The Baker Group

1900 The Exchange, Suite 645 Atlanta, GA 30339 Primary Contact: Mr. William J. Lee jlee@gobaker.com (855) 500-4547 www.gobaker.com Organization Type: Portfolio Management Services

The Brandon Agency

3023 Church Street Myrtle Beach, SC 29577 Primary Contact: Mr. Scott Brandon SBrandon@thebrandonagency.com (843) 916-2000 www.thebrandonagency.com Organization Type: Marketing

The Capital Corporation

84 Villa Road Greenville, SC 29615 Primary Contact: Mr. C. Dan Adams danadams@thecapitalcorp.com (864) 542-2562 www.thecapitalcorp.com Organization Type: Investment Banking

901 Brookwood Dr. Columbia, SC 29201 Primary Contact: Mr. Robbie Fuller rofuller@TheSourcingGroup.com (803) 724-5463 www.si-solutions.com Organization Type: Printing Solutions

The Wheelhouse Group

108B Trade Street Greer, SC 29651 Primary Contact: Mr. Todd Collins tcollins@thewheelhousegroup.net (864) 616-8778 www.thewheelhousegroup.net Organization Type: Marketing

TIB-The Independent BankersBank, N.A.

3709 Alden Street Indian Trail, NC 28079 Primary Contact: Mr. Mac Cochrane MCochrane@tib.bank (704) 620-8841 www.TIB.bank Organization Type: Correspondent Banks

TNB Financial Services

706 E. Washington Street Greenville, SC 29601 Primary Contact: Mr. Scott Cheney sccheney@tnbfinancial.com (864) 605-6952 tnbfinancial.com Organization Type: Investment Advisory

Travelers Insurance

11440 Carmel Commons Blvd.

Charlotte, NC 28226 Primary Contact: Mr. Luis A. Lima, Jr. LLima@travelers.com (704) 544-3704 www.travelers.com Organization Type: Insurance Products/Services

S U M M E R 2 0 2 0 • PALMETTO BANKER

41

A

S

S

O

C

I

A T

Turner Padget Graham & Laney, PA

1901 Main Street, Suite 1700 Columbia, SC 29201 Primary Contact: Mr. Lanneau Wm. Lambert, Jr. llambert@turnerpadget.com (803) 227-4248 www.turnerpadget.com Organization Type: Law Firms

Tyson Sign Company, Inc.

PO Box 50580 Myrtle Beach, SC 29579 Primary Contact: Ms. Debbie B. Jenkins djenkins@tysonsign.com (843) 448-5168 www.tysonsign.com Organization Type: Marketing

Valuant, LLC

1201 Main Street, Suite 1110 Columbia, SC 29201 Primary Contact: Mr. William J. Bossong Bill.Bossong@bevaluant.com (803) 255-1497 www.bevaluant.com Organization Type: Consulting Services

Velocity Solutions

PO Box 460939 Fort Lauderdale, FL 33346 Primary Contact: Mr. Greg Stumler gstumler@myvelocity.com (954) 847-5800 wwwmyvelocity.com Organization Type: Consulting Services

Windsor Advantage, LLC

466 King Street, Ste 201 Charleston, SC 29403 Primary Contact: Mr. James Tibert jtibert@windsoradvantage.com (843) 640-5321 www.windsoradvantage.com Organization Type: Lending/Leasing Services

42

S U M M E R 2 0 2 0 • PALMETTO BANKER

E

M

E

M

B

E

R

S

Wipfli LLP

235 Peachtree Street, NE, Suite 1800 Atlanta, GA 30303 Primary Contact: Mr. Patrick Tuley ptuley@pkm.com (404) 420-5670 www.wipfli.com Organization Type: Accounting/CPA Services

Womble Bond Dickinson

550 South Main Street, Suite 400 Greenville, SC 29601 Primary Contact: Mr. S. Sterling Laney, III sterling.laney@wbd-us.com (864) 255-5429 www.womblebonddickinson.com Organization Type: Law Firms

Works24 Corp

12 Wedgewood Place Clayton, NC 27527 Primary Contact: Mr. Philip Edwards pedwards@works24.com (405) 843-4653 www.works24.com Organization Type: Marketing

Worldpay

148 Gale Park Lane Nashville, TN 37204 Primary Contact: Ms. Lauren Gonnella Lauren.Gonnella@vantiv.com (513) 900-4661 www.fisglobal.com/en/merchant -solutions-worldpay Organization Type: Card/Merchant Processing

Wyrick Robbins Yates & Ponton LLP

4101 Lake Boone Trail, Suite 300 Raleigh, NC 27607 Primary Contact: Mr. Stuart M. Rigot srigot@wyrick.com (919) 882-7122 www.wyrick.com Organization Type: Law Firm

E ducation and P rofessional D evelopment

SOUTH CAROLINA BANKERS ASSOCIATION PARTNERS WITH

ProBank Austin to Enhance SCBA Education Training

The SCBA is pleased to announce that we have partnered with ProBank Austin as an additional provider of virtual training for our members. ProBank Austin webinars are in addition to our offerings form OnCourse Learning, ABA OnLine Training and the FinPro Director Webinars. ProBank Austin’s Education Division is a leading provider of educational services and has conducted seminars, webinars, in-bank training, conferences and schools for more than 40 years. Their professional staff, which is comprised of former regulators, examiners, attorneys, CPAs and bankers, offer extensive experience in providing authoritative and practical training for bankers. Their presenters train at every level, whether introductory for the beginner, to more in-depth for the intermediate level to updates and focused areas for the more advanced compliance professional.

Some of the upcoming live webinars from ProBank Austin are: Opening Personal Deposit Accounts.........................................................October 6 Consumer Foreign Remittance Transfer Processing.................................October 15 Whose Funds Are They Anyway? Dealing With Fiduciary Accounts......October 27 Calculating Liability Under Regulation E Error Resolutions.......................November 9 Lending Hot Topics.......................................................................................November 10 Opening Deposit Accounts For Trusts, Estates, And Beneficiaries..........November 10 As with the other SCBA on line training, continuing education credit is available. Live webinars are approved for the National Association of State board of Accountancy (NASBA) for Continuing Professional Education (CPE) credit, and are eligible for Certified Regulatory Compliance Manager (CRCM) credit through the American Bankers Association (ABA) Professional Certification Process.

To learn more about all SCBA online training opportunities please visit: https://scbankers.org/all-online-training-opportunities.

S U M M E R 2 0 2 0 • PALMETTO BANKER

43

E ducation and P rofessional D evelopment

SCBA Webinars:

another source for your training needs!

The SCBA now offers four choices for director, employee training and development without having to leave the office. We are pleased to partner with these fine training and educational resources:

Brought to you through the South Carolina Bankers Association, ABA Training is a flexible, cost-effective professional development solution.

With options for bankers at all stages of their career, in any size and type of bank, ABA Training offers courses across all lines of business and comes in a variety of formats to suit your schedule, your budget and your learning style.

As an added benefit, most offerings provide Continuing Education Credits for ABA Professional Certifications such as the CRCM, CTFA, CERP, CFMP and more.

Great For Directors & Senior Executives FinPro’s Global Webinar Package is a series of 24 webinars offered throughout the year. The Global Webinar Package is structured with one flat fee per year that allows unlimited director and employee participation. The webinars are 60 minutes and occur twice a month.

All webinars are recorded, so if you can’t attend the live webinar, you can view the recording at your convenience. CPE credits apply to the live webinars only.

• Each webinar is 11:00 am EST* • Unlimited registrants from your institution

• Access to webinar recordings and presentations

• One flat fee for the year

(formerly known as Total Training Solutions)

OnCourse Learning is a member of Adtalem Global Education (NYSE:ATGE), a global education provider headquartered in the United States. It empowers financial institutions to prepare their frontlines, compliance teams, executive leadership and board of directors with comprehensive enterprise compliance, risk management and professional development education that is effective and engaging. Over 10,000 clients and partners have adopted OnCourse Learning solutions to efficiently manage complexity, change and growth.

Plus, over the course of our 40+ year history we have trained over 190,000 individuals with our NMLSapproved licensure and continuing education courses.

* Each webinar is recorded, therefore, we welcome registrants at any time throughout the year.

Please visit https://scbankers.org/scba-events to see the myriad of courses and webinars offered and to register!

44

S U M M E R 2 0 2 0 • PALMETTO BANKER

2020-21 Calendar of Events OCTOBER 2020 Young Bankers Division Annual Scholarship Golf Tournament October 5 Columbia Country Club, Blythewood, SC

Call Report Seminar October 8 & 9 Virtual For Operations officers, CEOs, CFOs, internal auditors, and anyone who is responsible for the preparation, verification or certification of the call reports.

Member=$280

For Bankers, Associate Members and Vendors.

Member=$125 / Non-Member=$175

CFO Peer Group Forum October 7 Virtual For CFOs, Controllers, Investment Officers, ALM Officers, Chief Risk Officers, & Senior Bank Officers.

Member=$290

NOVEMBER 2020 Fall Compliance Conference November 16 & 17 Virtual For Executive risk-management teams and regulatory compliance officers.

Member=$310 / Non-Member=$785

Young Bankers Division BankPAC Sporting Clays Tournament Fundraiser November 18 Palmetto Shooting Complex, Edgefield, SC For Bankers, Elected Officials, Associate Members and Vendors.

Member=$125 / Non-Member=$175

J A N UA RY 2 0 2 1 Bank Security Risk Mgt. Conference January 27 Columbia, SC For Security officers, human resource/ training managers, legal, operations, branch managers and branch employees.

Member=$330 / Non-Member=$700

F E B R UA RY 2 0 2 1 Bank Secrecy Act (BSA/AML) Conference February 2 – 3 Columbia, SC

Directors and Managers Workshop February 11 Columbia, SC

For Bank Security and Risk Officers, Compliance Officers, CRA Officers, and BSA and AML Specialists.

Member=2 days $620, 1 day $350 Non-Member=2 days $1600, 1day $850

For Directors, CEOs and Senior Management.

Member=$395 / Non-Member=$895

Credit Conference February 4 Columbia, SC For CEOs, lenders and credit officers.

Member=$310 / Non-Member=$780

Consumer Lending School February 9 – 10 Columbia, SC For Consumer Loan Officers, Branch Managers, Assistant Branch Managers, Personal Bankers, Management Trainees and Collection Officers.

Member=$530 / Non-Member=$870

Bank Operations Conference February 23 Columbia, SC For CEOs and Operations Personnel.

Member=$325 / Non-Member=$850

Human Resources Conference February 25 Columbia, SC For Human Resource Officers.

Member=$295 / Non-Member=$675

A regis ll tratio n fees subje are ct to chan ge.

S U M M E R 2 0 2 0 • PALMETTO BANKER

45

New

Members

Welcome

We are fortunate to have an active and engaged roster Associate members and proudly welcome these new members:

Abrigo 12331-B Riata Trace Parkway Building 4, Suite 200 Austin, TX 78727 (512) 279-5715 www.abrigo.com

Abrigo provides market-leading compliance, credit risk, and lending software solutions to enable our customers to think bigger, allowing them to maintain compliance, fight financial crime, process loans quicker, and leverage data to strengthen their portfolio.

Jill Cacic 12331-B Riata Trace Parkway Building 4, Suite 200 Austin, TX 78727 (512) 279-5715 jill.cacic@abrigo.com

ASL Sign Services LLC 901 Hwy 17 South Surfside Beach, SC 29575 (843) 748-0411 www.aslservicesmb.com Anthony S. Leggio 1802 Glens Bay Rd. Myrtle Beach, SC 29575 (516) 644-7411 office.aslsigns@gmail.com

Colite 5 Technology Circle Columbia, SC 29203 (803) 935-9000 www.colite.com

46

Martin “Marty” Brown 5 Technology Circle Columbia, SC 29203 (803) 935-9041 mbrown@colite.com

S U M M E R 2 0 2 0 • PALMETTO BANKER

ASL Sign Services, LLC is a family owned national sign company located on South Carolina’s East Coast. We have been serving the industry for over 20 years in sales, design, manufacturing, installation, and service of outdoor and indoor sign and lighting packages. Our facility is centrally located in Myrtle Beach, South Carolina for easy access to all areas in The Carolinas. We are located only 15 minutes from the Myrtle Beach International Airport and one hour from I-95.

Our knowledgeable and experienced staff can assist you from inception to completion with any and all of your signage needs.

Colite is a world leader in full-service sign manufacturing. We know the global market. And we understand how to bring the right people, products, and technology together to deliver signage programs on time and on budget. Our targeted segments include corporate, retail, hospitality, and healthcare – where we operate in over 120 countries.

Our services include comprehensive project management, design, engineering, manufacturing, installation and maintenance. We are a preferred global partner with many global retailers providing signage internationally. The business is structured so that we are very capable to handle international projects with efficiency and effectiveness.

Some of the world’s best-known companies trust us to enhance and protect their brand globally.

DeBruin Law Firm, LLC 16 Wellington Avenue Greenville, SC 29609 (864) 982-5930 www.debruinlawfirm.com Bryan DeBruin 16 Wellington Avenue Greenville, SC 29609 (864) 982-5930 Bdebruin@debruinlawfirm.com

ICI Consulting, Inc. 739 Pinta Drive St. Petersburg, FL 33715 (800) 729-8237 www.ici-consulting.com Keith Shiver 2012 Cochran Road Maryville, TN 37203 (865) 414-0738 keith.shiver@ici-consulting.com

MPA Systems 3475 High River Road Fort Worth, TX 76155 (469) 568-2134 www.blackdiamondgroup.com/mpa-systems

Darin Ruhl 1716 Candler Rd Gainesville, GA 30507 (469) 350-8094 druhl@mpasystems.com

Paymerang 7401 Beaufont Springs Drive Suite 300 Richmond, VA 23225 (877) 680-7332 www.paymerang.com Christopher Carlton 7401 Beaufont Springs Drive Suite 300 Richmond, VA 23225 (804) 302-8510 ccarlton@paymerang.com

The DeBruin Law Firm, LLC provides legal services in Residential and Commercial Real Estate Closings, Quiet Title Actions, Business Development and Formation, Contract Law, Civil Litigation, Mergers and Acquisitions, Trademarks, General Business Counsel, and Estate Planning, which includes Trusts and Estates, Wills and Estates and Probate Administration. Our Greenville Attorneys are committed to providing every client with sound legal counsel, strategic planning, and persuasive advocacy. Our commitment to these principles has earned the De Bruin Law Firm a wealth of “Legal Elite” awards and 5-star reviews.

Since 1994, ICI has been the leading bank consulting firm that supports financial institutions by providing core processing assessments, gap analyses, vendor evaluations, contract negotiation and core conversion services. ICI is a privately held firm whose goal is to select the best core solutions at competitive prices for our clients.

MPA Systems helps financial businesses and service organizations operate seamlessly throughout remodeling projects, branch expansions, new construction, and disaster recovery.

MPA sells and leases high-security modular buildings ready for immediate delivery or design-built to meet your project needs. As a trusted partner for more than 50 years, we deliver disaster recovery solutions throughout the United States.

Although every disaster scenario cannot be anticipated, it is a contingency planner’s job to anticipate as many risks as possible and provide solutions. MPA Systems Disaster Recovery Facilities Program offers a strategic plan that deploys a financial facility, with six month’s free use of a financial facility with guaranteed availability, and with the equipment needed to keep the vital areas of your business running, within 24-72 hours of a disaster such as tornadoes, hurricanes, floods or fires.

Paymerang’s award-winning electronic payables solution provides a simple and secure way to pay vendors. Paymerang does all the work—from vendor enablement and payment processing to transaction reconcilement dash—saving clients hundreds of hours each year and reducing fraud risk. We process billions in payments annually for clients around the country in education, finance, construction, hospitality, media and beyond. Our payment network spans 400,000+ suppliers from coast to coast, with 75% receiving electronic payments over traditional checks. In addition to the significant efficiency and security gains, clients enjoy Paymerang’s lucrative cash back rebates.

Turn Accounts Payable into a profit center with Paymerang!

S U M M E R 2 0 2 0 • PALMETTO BANKER

47

New

Members

Pintail Capital Advisors PO Box 9776 Greenville, SC 29604 (864) 729-4500 www.pintailcapitaladvisors.com Tommy DeMint PO Box 9776 Greenville, SC 29604 (704) 258-7455 tommy@pintailcap.com

SB Value Partners, L.P. 16414 San Pedro Ave., Ste. 240 San Antonio, TX 78232 (210) 483-5074 www.sbvalue.com/

Haley Segovia 16414 San Pedro Ave, Ste.240 San Antonio, TX 78232 (210) 483-5050 haley.segovia@sbvalue.com

StrategyCorps 100 Westwood Place, Ste. 400 Brentwood, TN 37027 (615) 263-7777 www.strategycorps.com

Austin Porter 100 Westwood Place, Ste. 400 Brentwood, TN 37027 (615) 263-7777 austin.porter@strategycorps.com

Pintail Capital Advisors is a boutique real estate advisory firm located in Greenville, South Carolina. We facilitate the acquisition and disposition of investment real estate property on a nationwide basis for a variety of institutional and family office investors. The team draws on more than fifty years of commercial real estate and capital markets experience to execute on behalf of clients.

SB Value Partners, L.P. (SBV) is an independent Registered Investment Advisor (RIA) founded in 1999. SBV’s mission is to help community banks increase ROA and ROE by providing disruptive, transformative tools to our partners. SBV provides: Proprietary bond transparency programs, Non-correlated Bank Investment Strategies, Trust Acquisition and Private labeling.

StrategyCorps helps financial institutions grow retail checking relationships and financial productivity with its proprietary analytical tool, CheckingScore, and customizable mobile rewards app, BaZing, that powers checking products with modern, in-demand consumer benefits like cell phone insurance, local merchant discounts and roadside assistance that enhances the customer/member connection and provides competitive differentiation. Nearly 350 banks and credit unions employ our analysis tools, white-labeled reward products, and mobile solutions that generate industry-leading levels of performance for retail checking products. More information is available at www.strategycorps.com.

With all of the evolving financial industry changes, we are thankful for business alliances that meet our members’ needs. The SCBA is dedicated to supporting and promoting cutting-edge industry providers to our member banks.

For more information about Associate Membership, please contact SCBA Senior Vice President Carolyn Laffitte Bradley by email at carolynbradley@scbankers.org To view our Associate Membership Directory, click here.

48

S U M M E R 2 0 2 0 • PALMETTO BANKER

Personal

Transactions

Caleb Nobles

Victoria Owens

Robert Beatty

Shawnee Thornton

Sarah Myers

Tim Strom

Dr. Dale Lusk

Eric Lysak

David Renaker

Brook Moore

AMERIS BANK Greg Clark has joined the bank as Upstate Market President and Ed Vaughan has joined as Middle Market Commercial Banking Executive.

ANDERSON BROTHERS BANK Caleb Nobles has been promoted to Loan Officer in the bank’s Conway Church Street office.

Victoria Owens has been promoted to Branch Manager in the bank’s Market Common office, Myrtle Beach.

Art Wray and Tim Lee have joined CCNB’s new mortgage office in Clemson as Vice Presidents, Mortgage Loan Officers.

COUNTYBANK Megha Lal has been elected to the Countybank Board of Directors. Her responsibilities in joining the Board of Directors include directing the organization’s overall affairs, establishing strategic direction, and setting policy.

FIRST COMMUNITY BANK

First Reliance Bank and First Reliance Bancshares has announced the Board has unanimously approved the appointment of Dr. C. Dale Lusk as Chairman of the Board. Dr. Lusk was one of the original organizers of First Reliance Bank and has served as a Director of First Reliance Bank since August 1999 and as Chairman of the Audit Committee. He is the third board Chairman over the bank’s twenty-one year history. “His tenure and long standing service gives him an abundance of institutional and industry knowledge and makes him uniquely qualified for this role” said Rick Saunders, First Reliance Bank, CEO and President.

Robert Beaty and Shawnee Thornton have transitioned to Loan Officers of the North Myrtle Beach office.

Narin Seera has joined the bank as Chief Mortgage Banking Officer.

John Lindley has joined First Reliance Bank as Vice President, Bank Operations Manager.

Sarah Myers has been promoted to Branch Operations Coordinator of the North Myrtle Beach office.

FIRST NATIONAL BANK

Eric Lysak has joined First Reliance Bank as a Relationship Banker in Greenville, SC.

Smith Brooks has been appointed to the Board of Directors.

COASTAL CAROLINA NATIONAL BANK Tim Strom has joined CNB as Senior Vice President, Mortgage Banking Director.

Todd Buddin has been elected President and CEO. He will replace Ronald Anderson who is retiring, but who will remain with the bank on a part-time basis.

FIRST RELIANCE BANK Frank Bullard has joined First Reliance Bank as Market President for Charleston, SC.

David Renaker has joined First Reliance Bank as a Relationship Banker in Lexington, SC. Brook Moore has joined First Reliance Bank as a Senior Vice President and Sr. Credit Administrator.

Lincoln Stewart has joined First Reliance Bank as Vice President and Portfolio Manager in Greenville.

S U M M E R 2 0 2 0 • PALMETTO BANKER

49

Personal

Transactions

Rebekah Lowe

Pete Peterson

Randy Dolyniuk

Moryah Jackson

Bob Brown

Lisa Shelnutt

David Kershaw

HOMETRUST BANK

SOUTHERN FIRST BANK

Rebekah M. Lowe has been appointed director of the Bank, effective September 1, 2020.

Will Aiken has joined Southern First Bank as Executive Vice President.

OCONEE FEDERAL John Hobbs has been promoted to Executive Vice President of Oconee Federal Savings and Loan and Oconee Federal Financial Corp.

David Stafford has been named Executive Vice President and Chief Operations Officer.

UNITED COMMUNITY BANK United Community Bank has announced the addition of Bob Brown as Chief Information Security Officer.

Pete Peterson has joined United Community Bank as Chief Retail Credit Officer.

SOUTH ATLANTIC BANK

Ellen Stahlsmith has joined United Community Bank as SVP/Senior Commercial Relationship Manager to its Upstate South Carolina team.

Randy Dolyniuk has joined South Atlantic Bank as senior vice president, commercial team leader in the Hilton Head Island office.

Moryah Jackson has joined United Community Bank as Vice President, Director of Community Development and Engagement.

Lisa Shelnutt has been promoted to Commercial Real Estate Division Manager.

David Kershaw has joined the Bank as Vice President, Legal Counsel.

50

S U M M E R 2 0 2 0 • PALMETTO BANKER

A

special thank you to those

2019-20 S o u t h C a r o l i n a B a n k e r s A s s o c i at i o n B o a r d o f D i r e c t o r s w h o h av e completed their term.

members of the

R. Thornwell Dunlap III

J. Neal Anderson

Laurence S. Bolchoz, Jr.

Curtis T. Evatt

2009 Park Street • PO Box 1483 Columbia, SC 29202-1483

Save the date

The 2021 SCBA Annual Convention JUNE 6-9, 2021 | THE CLOISTER AT SEA ISLAND | SEA ISLAND, GA