The Mississippi Banker - November December 2015 by The Mississippi Banker Magazine

Banker THE MISSISSIPPI

VOLUME 100 • NUMBER 3

NOVEMBER/DECEMBER 2015

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OFFICERS

Chairman George Marx, Hazlehurst Vice Chairman Frank Sibley, Marks Treasurer Jerry Host, Jackson President McKinley W. Deaver, Jackson

BOARD OF DIRECTORS Terms Expiring 2016 Johnny Barrett, Oxford Robert Gage, Port Gibson Buddy Mortimer, Kilmichael Art Stevens, Jackson Terms Expiring 2017 Dennis Ammann, Mendenhall Greg Cronin, Biloxi Bobby Steinriede, Hollandale Mitch Waycaster, Tupelo James Wicker, McComb Terms Expiring 2018 Hoppy Cole, Hattiesburg Arthur DuCote, Jackson Michael Dudley, DeKalb Moak Griffin, Columbus John Neville, Ridgeland Frank West, Batesville Ex-Officio Members George Marx, Chairman, Hazlehurst Frank Sibley, Vice Chairman, Marks Jerry Host, Treasurer, Jackson Freddie Bagley, Retiring Chairman, Brandon Odean Busby, Preceding Chairman, Magee

The official publication of the Mississippi Bankers Association Rachel Chew • Editor Volume 100 • Number 3 • November/December 2015

Features

2015 Congressional year-end review ......................................... 10 Government Relations update for 2015-2016

MBA Washington Visit ............................................................ 12 More than 30 Mississippi bankers visit the nation’s capital

2015 ‘A Banker in Every Classroom’ ....................................14-15 Another record-breaking year for ﬁnancial literacy presentations

GSB at LSU: Developing banking leaders since 1950 .............. 16 School’s 67th session set for May 23-June 3

Mississippi School of Banking .................................................. 17 Enrollment open for 2016 session set for April 3-9

EMV chip cards ..................................................................20-21 ABA breaks down how chip cards will change banking landscape

MBA Affiliates provide banking products, services ..............22-29 111 afﬁliates give vital support to MBA, banking industry

STAFF President ............................... McKinley W. Deaver Senior V.P., Operations .........................Amy Davis V.P., Government Relations .......... Gordon Fellows Programs Manager ...........................Lori Richardson Marketing Manager ....................... Brooke McCoy Business Manager................................... Gail Sykes Manager of Insurance Services .........Sherell Taylor Manager of Communications ............ Rachel Chew

Departments

From the President ..............................................................................................................2 Around the State ............................................................................................................. 3-5 Good Neighbors.............................................................................................................. 6-8 Government Relations Update .................................................................................... 10-13 Calendar ...........................................................................................................................31 Bankers on the Move ................................................................................................... 32-33 Classified Ads .............................................................................................................. 34-35 American Bankers Association ...........................................................................................36

YOUNG BANKERS SECTION President. ..................Parker England, Greenville Vice President. .........Kent Mortimer, Kilmichael Treasurer .......................Wes Rouse, Hattiesburg

The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone (601) 948-6366. Periodicals Postage paid in Jackson, Mississippi. POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037. The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements. Printed By Hederman Brothers, Ridgeland, MS

NOVEMBER/DECEMBER 2015

From the President

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Joy in the Journey By Mac Deaver, MBA President As I write these words, we are in the midst of “the most wonderful time of the year.” Despite the turmoil, tragedy and heartache that exists in the world, the holiday season gives all of us the opportunity to experience the joy that comes from faith and family. While it is a wonderful Deaver time of celebration, it is, most importantly, a time to thank God for his blessings and to enjoy the company of family and friends. At the same time, the holidays can be very hectic. It is easy for us to become so busy that we miss the point of Christmas. In addition to dealing with the stress of holiday schedules, some of us can be overwhelmed with sorrow or regret this time of year. Or we can be depressed or disappointed because the holidays just don’t measure up to our high expectations. Time and again, we are reminded of “the reason for the season.” Put another way, we all need to keep everything in perspective. One of the greatest pieces ever written that helps me put everything – including the holiday season – in perspective is the award-winning essay “The Station.” Written by Rev. Robert J. Hastings, this simple essay was first publicized by columnist Ann Landers in 1981. Every time I read its words, “The Station” reminds me to cherish life’s journey and not become preoccupied with getting to a mythical destination. In hopes that it will speak to your heart as it has spoken to mine, I am pleased to reprint “The Station”: Tucked away in our subconscious minds is an idyllic vision. We see ourselves on a long, long trip that almost spans the continent. We’re traveling by passenger train, and out the windows we drink in the passing scene of cars on nearby highways, of children waving 2

at a crossing, of cattle grazing on a distant hillside, of smoke pouring from a power plant, of row upon row of corn and wheat, of flatlands and valleys, of mountains and rolling hillsides, of city skylines and village halls, of biting winter and blazing summer and cavorting spring and docile fall. But uppermost in our minds is the final destination. On a certain day at a certain hour we will pull into the station. There will be bands playing and flags waving. And once we get there so many wonderful dreams will come true. So many wishes will be fulfilled and so many pieces of our lives finally will be neatly fitted together like a completed jigsaw puzzle. How restlessly we pace the aisles, damming the minutes for loitering, waiting, waiting, waiting for the station. However, sooner or later we must realize there is no one station, no one place to arrive at once and for all. The true joy of life is the trip. The station is only a dream. It constantly outdistances us. When we get to the station “that will be it!” we cry. Translated it means, “When I’m 18 that will be it! When I buy a new 450

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SL Mercedes Benz, that will be it! When I put the last kid through college that will be it! When I have paid off the mortgage that will be it! When I win a promotion that will be it! When I reach the age of retirement that will be it! I shall live happily ever after!” Unfortunately, once we get “it,” then “it” disappears. The station somehow hides itself at the end of an endless track. “Relish the moment” is a good motto, especially when coupled with Psalm 118:24: “This is the day which the Lord hath made, we will rejoice and be glad in it.” It isn’t the burdens of today that drive men mad. Rather, it is regret over yesterday or fear of tomorrow. Regret and fear are twin thieves who would rob us of today. So, stop pacing the aisles and counting the miles. Instead, climb more mountains, eat more ice cream, go barefoot more often, swim more rivers, watch more sunsets, laugh more and cry less. Life must be lived as we go along. The station will come soon enough. With a heartfelt thanks for your friendship and support this past year, I wish each of you and your families a Merry Christmas and a Happy New Year.

Around the State

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Stanton elected To BancorpSouth Board of directors BancorpSouth, Inc. has announced the election of Thomas R. Stanton to the board of directors of the company and the board of directors of BancorpSouth Stanton Bank, effective as of October 28, 2015. He will serve as a director of the company until its 2016 annual meeting of shareholders, at which time the company expects that Stanton will be nominated to a full term. Stanton is currently the chairman of the board of directors and chief executive officer of ADTRAN, Inc., a publicly-traded company headquartered in Huntsville, Alabama. Stanton served as chairman of the Federal Reserve Bank of Atlanta’s Birmingham Branch from January, 2013 until December, 2014. “BancorpSouth is pleased to have this outstanding technology industry leader join our company’s board of directors,” said Dan Rollins, BancorpSouth chairman and chief executive officer. “Tom Stanton’s extensive management experience and business acumen will be extremely valuable to the board,” added Hassell Franklin, BancorpSouth lead director and chairman of the nominating and corporate governance committees. Stanton assumed the role of chief executive officer of ADTRAN, Inc. in 2005 and Chairman of the Board in 2007.

Freeman joins BankFirst’s Board of directors BankFirst Financial Services announced that William (Bill) L. Freeman, Jr., has joined the board of directors of BankFirst. Freeman was appointed at the institution’s September board Freeman meeting. “Bill Freeman’s vast experience in community banking combined with his extensive leadership and military service are valuable assets to BankFirst. We are pleased to have him join our Board of Directors,” said Moak Griffin, president and CEO of BankFirst. Freeman began his banking career at Newton County Bank in 1967 and was quickly promoted to a leadership role. He retired from the bank in 2008 as senior vice president and COO to serve a four-year term as Adjutant General of the Mississippi National Guard under Governor Haley Barbour. Freeman returned to Newton County Bank in 2012 as president and CEO. Newton County Bank was acquired by BankFirst in August 2015. “I’m honored to join the board of BankFirst,” states Freeman. “Newton County Bank’s recent merger with BankFirst has provided Newton clients the benefits of a

larger, high-performing bank while maintaining the culture and customer service focus they have always valued. As a part of BankFirst, our customers, our employees and our community will benefit immediately and over the years to come.” Freeman is the chairman of the Mississippi Military Communities Council. His military service with the Mississippi National Guard began in 1969, and he was promoted through the ranks over the years. Freeman serves as vice chairman and board member of the Mississippi Business Finance Corporation, a public, non-profit corporation with the mission of coordinating a variety of state resources to assist businesses and industry in obtaining financing and in positioning the State as an aggressive competitor in the global market. He was Mayor of the City of Newton from 1980 to 1987 and Alderman from 1977 to 1980. Freeman is a graduate of the Louisiana State University School of Banking, a graduate of the University of Mississippi where he earned his bachelor’s degree in banking and finance and a graduate of East Central Junior College where he earned an associate of arts degree.

 hists from the

Mississippi Bankers Association NOVEMBER/DECEMBER 2015

Around the State

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Trustmark celebrates opening of new Gulfport office Trustmark celebrated the official opening of its full service Gulfport office at 2320 14th Street in Gulfport with a grand opening and ribbon cutting ceremony. In attendance were Miss Mississippi 2015 Hannah Roberts, local community leaders, business owners and representatives from the Mississippi Gulf Coast Chamber of Commerce. “We are thrilled to expand our presence in the Mississippi Gulf Coast market with the opening of our new office in the historic Hatten Building in downtown Gulfport,” stated Eric Brown, Trustmark community bank president for the Mississippi Gulf Coast. “This location will not only provide us with a convenient and central location to service the needs of our valued customers, but will also help us

to continue to cultivate and strengthen our relationships in the Harrison County area.” The new office will offer a complete array of consumer and commercial banking products and services. The branch lobby hours are Monday through Thursday, 9:00 a.m. to 5:00 p.m. and Friday, 9:00 a.m. to 5:30 p.m. A Trustmark deposit express ATM, which accepts envelope-free deposits of cash or checks at any time with most deposits made before 9:00 p.m. on weeknights credited Hannah Roberts, Miss Mississippi 2015, joins Eric Brown, the same day, is also available Trustmark’s community bank president for the Gulf Coast, in cutting the ribbon to open Trustmark’s new Gulfport branch. for added convenience.

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Around the State

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Trustmark announces retirement of Harris Collier, Appointment of Granville Tate as general counsel Trustmark Corporation announced that T. Harris Collier, III will retire as secretary of the corporation and as senior vice president and general counsel of Trustmark National Bank effective December 31, 2015. “Harris has provided invaluable leadership and counsel to Trustmark over the last 42 years. The financial services industry has experienced significant change during Harris’ tenure, and we appreciate his efforts in managing and mitigating legal risks as well as supporting our merger and acquisition program,” said Gerard R. Host, president and CEO of Trustmark. Host also announced the appointment of Granville Tate, Jr., as secretary of the corporation and executive vice president and general counsel of Trustmark National Bank effective January 1, 2016. Tate has 30 years of experience advising clients

at Brunini, Grantham, Grower & Hewes, PLLC on corporate, finance, merger and acquisition, compliance, enforcement and regulatory matters for financial institutions. He served as chairman of Brunini’s board of directors from 2010 to mid2015 and currently serves as the chair of Brunini’s financial institutions practice group, having advised boards regarding fiduciary duties and corporate governance responsibilities. “Granville has been a trusted advisor for Trustmark for his entire legal career. He knows and understands the financial services industry and our organization. His vast experience in corporate law, mergers and acquisitions, and governance, combined with regulatory and compliance knowledge, makes him ideally positioned for this role. We welcome Granville to our

executive team, and I am confident he will make important contributions toward our continued long-term success,” said Host. “I am honored to join the Trustmark team. Having represented the organization for many years, I know firsthand the caliber of Trustmark’s board and management as well as its commitment to customers, communities, associates and shareholders. I look forward to building upon the strengths of the organization and providing additional opportunities to enhance risk management, growth and profitability,” said Tate. Tate received a bachelor of science from Mississippi State University and Juris Doctor with distinction from Mississippi College School of Law.

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Good Neighbors

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BankPlus honored with ABA Foundation Community Commitment Award BankPlus was nationally recognized for its CreditPlus program with an American Bankers Association Community Commitment Award. The award, sponsored by the ABA Community Engagement Foundation, was given to BankPlus for its endeavors in the nontraditional borrower & underbanked category and was presented during ABA’s annual convention in Los Angeles. CreditPlus, BankPlus’ anti-predatory lending program, educates Mississippians about how credit works, and helps them improve their credit scores. Since 2008, over 22,000 Mississippians have attended CreditPlus seminars. BankPlus has provided over 21,000 loans totaling

more than $16,000,000. From a record-high field of nearly 200 entries, the ABA selection committee chose six banks based on the creativity and thoughtfulness of programs–that embody the ideals of corporate social responsibility and demonstrate success in measurable terms. Entries were divided into seven categories including affordable housing, community and economic development, financial education, nontraditional borrower and underbanked, protecting older Americans, volunteerism and the George Bailey Distinguished Service Award. Award winners were chosen by a field of nationally-recognized experts.

“CreditPlus demonstrates BankPlus’ strong and passionate commitment to bettering the lives of its customers and local community,” said Frank Keating, ABA president and CEO. “Their work embodies the mission of the Community Commitment Awards and they are a truly well-deserved recipient.” “BankPlus and our employees are always looking to find new and meaningful ways to positively impact our community,” said Bill Ray, president and CEO. “We are humbled and honored to accept this award for our efforts.”

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Good Neighbors

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Pages of Love

Trustmark partners with program To distribute children’s books Trustmark partnered with Pages of Love, a nonprofit organization that collects new and gently used children’s books, to conduct a company-wide book drive during the month of October. “Trustmark values the responsibility of being a company that is actively engaged in corporate social responsibility initiatives and practicing good corporate citizenship,” Trustmark director of corporate communications and marketing, Melanie Morgan stated. “Through our partnership with Pages of Love, we have the opportunity to help impact the lives of children and invest in the future of strengthening the communities we serve in our marketplace.” Pages of Love was founded in 2005 by Miss Mississippi 2015 Hannah Roberts,

who had a childhood marked by numerous visits to doctors’ offices. The organization’s mission is to improve childhood literacy and provide a distraction for ill or hurting children by distributing children’s books to local hospitals, as well as medical and dental clinics. Pages of Love has collected and distributed more than 26,000 books in Alabama, Arkansas, Georgia, Mississippi, Tennessee and Honduras. “I greatly appreciate the partnership with Trustmark and their willingness to help me further the mission of Pages of Love through a company-wide book drive,” Roberts stated. “With the support of Trustmark, I will be that much closer to achieving my goal of collecting and distributing 40,000 books.”

MBA, FDIC Set outreach Conference February 23 On February 23, the MBA is hosting an FDIC Banker Outreach seminar. This one-day event will have an FDIC speaker covering topics such as consumer protection, interest rate risk, cybersecurity and much more. This seminar will be led by FDIC state and local officials at the Marriott Hotel in Jackson. The cost of attendance is $230 per person (MBA member) and $460 per person (NON-member). More information on this event will be coming to the MBA website, www. msbankers.com, very soon.

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NOVEMBER/DECEMBER 2015

Good Neighbors

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Nine banks work together to build Habitat home Strong neighborhoods build strong communities. That’s why nine local banking institutions united for the first time to build a Habitat for Humanity Mississippi Capital Area (HFHMCA) home for a local family, while helping to transform a south Jackson neighborhood. Partnering in this unique collaboration are Regions, Trustmark, BancorpSouth, Wells Fargo Foundation, BankPlus, BankFirst, Origin Bank, Renasant Bank and First Commercial Bank. Employees from the nine banking institutions worked throughout the seven-day building process. The 2015 Bankers’ Build forged a unique, collaborative team building experience for the respective banks that will last long after the build is completed. It will also serve as a model for the entire community, showing what can be accomplished when we work together. The banks are proud to be community partners with Habitat and share in the goal to move families out of poverty housing and empower them through affordable homeownership, while helping to transform a neighborhood riddled with derelict houses into a safe, livable one. The 2015 Bankers’ Build is the fourth HFHMCA house under construction this

fall on Greenview Drive – a once thriving neighborhood overrun in recent years with derelict and abandoned pieces of property. Through the strong presence of community banking partners participating in the 2015 Bankers’ Build, the commitment to building the future of this area will be evident. Pictured L to R: George Broadstreet, Renasant Bank; Larry Ratzlaff, Ori“This endeavor gin Bank; Cindy Grifﬁn, HFHMCA executive director; Alan Walters, First brings together an Commercial Bank; Arthur DuCote, Regions; Joesph Moss, BancorpSouth; unprecedented col- Johnny Ray, BankFirst Financial Services; Jerry Host, Trustmark National laboration among the Bank; Jack Webb, BankPlus; and Scott Hutchison, Wells Fargo, came banking institutions together for Bankers’ Build 2015. to create a brighter For Eddie Smith and her two children future for a local famthe 2015 Bankers’ Build is a dream come ily while helping to restore a once thrivtrue. “I have dreamed of being a homeing neighborhood,” said Cindy Griffin, owner for a long, long time,” she said. “I HFHMCA executive director. “The just had to have faith. I knew God would restoration of Greenview Drive has the take care of me. Now, thanks to Habitat potential to be a catalyst for rebirth and for Humanity and the 2015 Bankers’ transformation of this entire area of south Build, everything is working in our favor. Jackson. The outcome is truly a win-win I know we have a brighter future now.” for everyone.”

Pictured above are the many bank volunteers who helped to make Bankers’ Build 2015 a success. 8

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Bankers setting the trusses for the Habitat for Humanity House.

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Government Relations

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Congress ponders banking legislation as year ends As we approach the end of the year, Congress is working toward potentially enacting a number of pieces of legislation that could have a positive impact on banking. The MBA is working closely with the Mississippi Congressional delegation to ensure that they are considering banking interests as various pieces of legislation potentially move forward. House Passes HR Portfolio Lending Bill – MS Delegation Votes On Party Line On November 18, the House passed HR 1210 – the Portfolio Lending and Mortgage Access Act – by a vote of 255174. This bill, which would grant a safe harbor for loans held in a bank’s portfolio under the CFPB’s QM Rule, has been a priority item for the MBA for a number of years. Member bankers have worked to educate the Mississippi Congressional Delegation on the need for safe harbor protections for portfolio-held loans in meetings held in Washington, D.C. and all across Mississippi. The debate on HR 1210 was very partisan. House Republicans argued that portfolio lending would help community banks and other lenders to better serve their customers and communities, and House Democrats argued that passage of HR 1210 would remove important consumer protections and lead to more foreclosures and potentially another housing crisis. The final vote broke down almost completely along partisan lines, with only 12 Democrats voting in favor of HR 1210 and only 1 Republican voting against.

Senate Reg Relief Legislation Could Move Soon There is growing momentum for some form of banking regulatory relief legislation to pass the Senate by the end of this year. The proposal currently under consideration, known as the Shelby Bill, includes a number of important banking regulatory relief provisions advocated by the MBA including: • Provide a QM safe harbor for mortgages held in portfolio, similar to the House Measure HR 1210 mentioned earlier • Reduce the burden of unnecessary privacy notice paperwork; • Help rural customers receive CFPB mortgage exemptions; • Extend the exam cycle for institutions with less than $1B in assets; • Require a study of Basel III’s treatment of mortgage servicing assets; • Require the regulators to provide short form Call Reports based upon the size and complexity of an insured depository institution; and • Exempt insured depository institutions with less than $10 billion in assets from the “Volcker Rule,” unless they are part of a larger holding company or engage in nontraditional banking activities or activities that pose safety and soundness risks. • Prohibit the bank and credit union regulatory agencies from implementing or participating in Operation Choke Point or any similar program • Raise the threshold for CFPB exams from $10 billion to $50 billion in assets.

The Shelby Bill also would make a number of significant changes to the CFPB and the GSE system, as well as address SIFI designation. Bipartisan Highway Funding Bill Could Include Important Banking Measures Congress has officially begun the conference committee process on a long-term highway funding bill. If enacted, this bill would potentially fund maintenance of the federal highway system for up to 6 years. Before sending this measure to conference, The House of Representatives amended the bill to include two important banking regulatory relief provisions. The first would change the requirement that banks mail privacy notices to account holders every year, even if no changes have been made to the institution’s privacy policy. The second would allow for longer exam cycles for well managed community banks. The House also made an important to change to part of the highway funding mechanism that could potentially impact National and Fed-Member State Chartered banks. The MBA is happy to report that the entire Mississippi House Delegation – Congressmen Trent Kelly, Gregg Harper, Bennie Thompson, and Steven Palazzo - voted in favor of each of these important pro-banking changes. We are working with Senators Cochran and Wicker to ensure that they are of both aware of the MBA’s support of these House provisions.

MBA recognized as top trade association In government affairs The Mississippi Bankers Association was recently named by The Southern Political Report as one of the South’s top trade associations for effectiveness in government affairs. The MBA was one of five Mississippi trade association to be recognized by Southern Political Report in its Summer 2015 issue. The rankings were based on results of an online survey of government affairs specialists across 13 Southern states. In addition, lawyers and lobbyists were consulted in finalizing the rankings. 10

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Government Relations

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Mississippi voters elect 37 new state legislators On November 3, Mississippians went to the polls to elect state-wide office holders, members of the Mississippi Legislature, and various other positions. MissBankPAC, the political arm of the Mississippi Bankers Association, was actively involved in supporting candidates in a number of races through its State Fund. In the state-wide races, each incumbent won re-election including Governor Phil Bryant, Lt. Governor Tate Reeves, Secretary of State Delbert Hosemann, Attorney General Jim Hood, and TreaBryant surer Lynn Fitch. Following the completion of the upcoming four-year term in office, both Governor Bryant and Lt. Governor Reeves will be precluded from running for re-election by the state’s term limit laws

thereby insuring changes in state-wide officials next election cycle. While there were no changes to the state-wide officials, a number of new legislators were elected – including 10 new members of the Mississippi Senate and 27 new members of the Mississippi House of Representatives. These newly elected members will be sworn in on January 5, the day the Mississippi Legislature is scheduled to convene the 2016 Regular Session. Even with 10 new members elected, there are very few changes in the partisan make-up of the state Senate. This will allow Republican Lt. Governor Reeves to continue to lead the Senate with the same Republican super majority he has presided over for the last 4 years. In the House, 18 of the 27 newly elected members are Republican. This substantial increase in the number of Republican representatives will grow

the GOP conference to 73 members (potentially 74 – one race is still pending at the time of printing). This will likely give Speaker of the House Philip Gunn a super majority, a significant change from the slim simple majority the Republicans have held for the last four years. “With all of these changes, it will be more important than ever to develop and maintain strong grassroots relationships with legislators and other elected leaders,” said Gordon Fellows, MBA vice president of government relations. “In district contacts and conversations will be extremely important in educating newly elected legislators about banking issues.” The MBA has already been involved in communicating with many of the new officials. After the association sets legislative positions and priorities for the 2016 session, MBA staff will begin explaining these positions to legislators and urging bankers to contact their local legislators.

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Government Relations

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MBA Washington Visit promotes reg relief legislation The 2015 MBA Washington Visit, the cornerstone of the MBA’s Congressional lobbying efforts, took place October 4-7. More than 30 Mississippi bankers attended this year’s trip, which focused on discussing efforts to pass important banking regulatory relief measures with Mississippi’s Congressional Delegation, federal bank regulators, and national banking trade associations. MBA Chairman George Marx of Copiah Bank, N.A. in Hazlehurst led the delegation of bankers, which also included Commissioner of Banking and Consumer Finance Charlotte Corley, Jackson; MBA Vice Chairman Frank Sibley of the Citizens Bank and Trust Company, Marks; and MBA Legislative Committee Chairman Andy Anderson of the Bank of Anguilla. In total, 55 individuals attended this year’s visit, including spouses, guests, and members of the MBA staff. The agenda began on Sunday, October 4 with a group dinner at Morton’s Steakhouse sponsored by Olsen and Palmer. On Monday morning, bankers were treated to breakfast by the Conference of State Bank Supervisors (CSBS). John Ryan, CEO of the CSBS, discussed the view shared by state regulators that Congress needs to enact some form of regulatory relief. Following the breakfast, bankers attended a meeting at the OCC with senior staff including Paul Nash, senior deputy controller. Bankers then attended a lunch briefing with the American Bankers Association

led by new ABA CEO Rob Nichols and Executive Vice President James Ballentine. During this meeting, Mississippi bankers and ABA staff discussed the important role that Senator Thad Cochran will play if any banking reg relief legislation moves through the U.S. Senate. While at the ABA, MBA Chairman George Marx presented the ABA with a contribution from MissBankPAC’s Federal Fund. Following the MBA Chairman George Marx presents ABA CEO Rob NichABA briefing, the group met ols with a contribution from MissBankPAC’s Federal Fund. with Jim Butera, a partner with sissippi state-wide elections. Following Jones Walker’s DC office – who also shared thoughts on the potential pas- lunch, our delegation held a joint meeting with US Senators Thad Cochran and sage of bank regulatory relief. On Tuesday October 6, bankers be- Roger Wicker and strongly encouraged gan their day at a meeting with Jennifer both Senators to support Senator Richard Stockett, from the Consumer Finance Shelby’s effort to advance regulatory relief Protection Bureau’s (CFPB) Office of legislation known as the “Shelby Bill.” Following the meeting with both SenaFinancial Institutions and Business Liaison. Bankers expressed concerns over the tors, bankers split up to into groups for impact of TRID as well as concerns about meetings with the Mississippi House Delthe CFPB’s proposed small loan rule. Fol- egation. Bankers were able to meet with lowing the meeting with the CFPB, our Congressmen Trent Kelly, Gregg Harper, delegation attended a briefing at the FDIC and Steven Palazzo. Bankers also met with Vice-Chairman Thomas Hoening with Cory Horton from Congressman Bennie Thompson’s staff, as Congressman and other senior FDIC officials. The Jones Walker firm sponsored the Thompson was traveling that afternoon. The bankers attending the 2015 Washbankers’ lunch Tuesday at the Monocle Restaurant. Mississippi’s Lt. Governor ington visit are listed on the opposite page. Tate Reeves, who happened to be in Wash- Also participating were Mac Deaver, MBA ington, spoke to the group and shared president, and Gordon Fellows, MBA vice his thoughts on the then upcoming Mis- president of government relations.

Bankers met with Congressman Steven Palazzo during the annual Washington Visit. 12

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Bankers also had the opportunity to meet with Congressman Trent Kelly during the Washington Visit.

Mississippi bankers attending MBA’s Annual Washington Visit Michael Booker, BancorpSouth James Threadgill, BancorpSouth Max Yates, BankPlus Andy Anderson, Bank of Anguilla Fred Miller, Bank of Anguilla Bill Sones, Bank of Brookhaven Allen Breland, Bank of Forest Brad Jones, Bank of Franklin Buddy Mortimer, Bank of Kilmichael Bo Collins, BNA Bank James Pritchard, Citizens Bank & Trust Company Frank Sibley, Citizens Bank & Trust Company Greg McKee, The Citizens Bank, Philadelphia Tim Gray, Community Bancshares of Mississippi Oliver Latil, Community Bank, Coast Justin Martin, Community Bank, Ellisville Steve Bozeman, Copiah Bank, N.A.

Jerry Ford, Copiah Bank, N.A. George Marx, Copiah Bank, N.A. John Shappley, First Bank Alan Walters, First Commercial Bank Hoppy Cole, The First, A Nation Banking Association Hue Townsend, Guaranty Bank & Trust Company Michael Schloegel, Hancock Bank Clay Wagner, Hancock Bank Mac Deaver, MBA Gordon Fellows, MBA Charlotte Corely, MS Department of Banking and Consumer Finance Christopher Caughman, Peoples Bank, Mendenhall Parker England, Planters Bank & Trust Robbie Barnes, PriorityOne Bank Jimmy Brown, Regions Bank Scott Cochran, Renasant Bank Art Stevens, Trustmark National Bank Ken Cyree, University of Mississippi

Banker elected to State Senate On November 3, Chris Caughman was elected to the Mississippi State Senate to represent District 35, which includes portions of Rankin, Simpson, and Covington Caughman counties. He is currently senior vice president, lending at Peoples Bank in Mendenhall. Once Caughman is sworn in, he will be the only active banker in the state legislature, joining a handful of retired and former bankers that currently serve. Caughman is a graduate of the Graduate School of Banking at LSU, and has more than 15 years of banking experience.

NOVEMBER/DECEMBER 2015

‘A Banker in Every Classroom’

MBA project has another record-breaking year; Over 500 presentations made by Mississippi bankers, teachers Governor Phil Bryant proclaimed November 2-6, 2015, as ‘A Banker in Every Classroom’ week in Mississippi. During that week, bankers across the state joined with local teachers in an effort like never before to present lessons in personal finance. As a result, more than 500 of presentations were made, reaching approximately 15,000 students. ‘A Banker in Every Classroom’ is a project sponsored by the Mississippi Bankers Association to bring financial education to students in grades K through 12 in Mississippi’s public and private schools. In the project’s four years, more than 2,000 classroom sessions have reached approximately 57,000 students statewide. The project was developed by the MBA in response to the critical need for more financial education in Mississippi schools and communities. “We are finding that, by bringing teachers and bankers together in the local schools, they can reach more students in a meaningful way,” said Mac Deaver, MBA president. “We do not dictate what topics are covered; that is up to the teachers and bankers to decide,” he added. “They are best equipped to know what information is most important to make a difference in the lives of young people in their community.” A major objective of ‘A Banker in Every Classroom’ is to develop relationships between bankers and teachers. These

relationships have already resulted in many ongoing joint efforts to benefit students, Deaver said. Amy Davis, MBA senior vice president, originated the idea for ‘A Banker in Every Classroom’ and, in just five years it has become one of the largest personal finance projects ever in Mississippi schools. The MBA supports the project, first, by pairing teachers and bankers in local areas and, then, by providing materials and other assistance. Grade-specific materials are available on saving, credit, budgeting and many other personal finance subjects. To participate, bankers and teachers register separately with the MBA, which works to schedule classroom sessions throughout ‘A Banker in Every Classroom’ week. In addition, teachers and bankers are encouraged to make presentations throughout the year. The MBA would like to thank each bank, banker, school and teacher that helped to make this a record-breaking year! For more information on ‘A Banker in Every Classroom’ week and to see more photos, please visit www.msbankers.com.

THE MISSISSIPPI BANKER

NOVEMBER/DECEMBER 2015

GSB at LSU: Developing bank leaders since 1950

School’s 67th annual session set May 22-June 3, 2016, in Baton Rouge Since Mississippi banker Orrin Swayze led the establishment of the School of Banking of the South at Louisiana State University in 1950, the school has become one of the most successful graduate banking schools in the country. In 65 years, the school – operated today as the Graduate School of Banking at LSU – has awarded diplomas to almost 16,000 bankers. There were 100 students in the school’s first session over six decades ago. Seventeen of these students were Mississippi bankers. Today, the school annually has an enrollment in excess of 450 bankers, hailing from throughout the United States and a number of foreign countries. Many leaders in Mississippi’s banking industry have graduated from GSB, which has become a cornerstone of banking education for Mississippi bankers. GSB alumni include current MBA Vice Chairman Frank Sibley. Approximately 10 percent of the school’s graduates – about 1,600 – have been Mississippi bankers. When it was founded in 1950, GSB had the sponsorship of the Mississippi Bankers Association and 8 other state bankers associations. As the school grew and prospered, a number of other state associations joined in support. Today, 15 state bankers associations from Texas to Virginia are co-sponsors of GSB. Dr. Don Woodland is the long-time Director of GSB, and he works closely with the school's 33-member Board of

Trustees to keep the curriculum current and meaningful, and to maintain the highest standards among the school faculty. Max Yates, senior executive vice president of BankPlus, Ridgeland, is on the school’s Board of Trustees, and MBA president Mac Deaver currently serves as chairman of the Board of Trustees. The GSB faculty is made up of senior bank officers, industry regulators, banking educators, and professionals. A number of faculty members are Mississippians, including past MBA chairmen George Schloegel and Carl Chaney, as well as Dr. Ken Cyree, holder of the MBA/Frank R. Day Chair of Banking. Mississippi bankers and the MBA have long been active in the leadership of the school. Six bankers from our state – beginning with Orrin Swayze – have served as GSB president. Swayze was an officer of Jackson's First National Bank (now Trustmark) when he was the school's first president in 1950. Other GSB presidents from Mississippi have included Bob Gaddis, George Schloegel, Harry Walker, Clifton Fowler and Tommy Darnell. The three-year program of study at GSB at LSU includes three two-week sessions on the LSU campus and the successful completion of home study problems between sessions. Banker interaction and networking is a valuable part of the GSB experience, as students work together on case studies and projects, and compete

as teams in a computerized bank simulation exercise during their third year. In all, graduates of the school complete well over 100 hours of classroom instruction over three years. While maintaining the most intensive program of any graduate banking school in the nation, GSB continues to offer the lowest tuition. This makes the school a tremendous value for educating the upand-coming bank leaders in Mississippi and the nation. Tuition for the 2016 session is $3,995. Applications are now being accepted for the school's 2016 session, to be held on the LSU campus May 22 through June 3. Application forms are available online or from the GSB office. Deadline to register for the 2016 session is April 18. Additional details on the school and an online application on the GSB website at www.gsblsu.org. The site also provides a complete list of courses and faculty, along with other information. Bankers may also get information on how to apply by calling the school office at (888) 278-0025. Mississippi bankers are encouraged to contact Max Yates [email: maxyates@ bankplus.net; telephone (601) 898-8308] or Mac Deaver [email: mdeaver@msbankers.com ; telephone: (601) 948-6366] for more information.

2016 Session

will be held April 3-9, 2016 University of Mississippi Oxford, MS Download your application at www.msbankers.com 16

THE MISSISSIPPI BANKER

Enrollment open for MBA’s Mississippi School of Banking 2016 Session will be held April 3-9 in Oxford Applications are now being accepted for the 2016 session of the Mississippi School of Banking, which will be conducted April 3-9. Since 1970, the MBA-sponsored Mississippi School of Banking has provided Mississippi bankers with a two-year program covering all aspects of banking activity and bank management. The MSB program consists of two one-week sessions on the University of Mississippi campus, with home study problems completed by students between sessions. MSB works to foster academic and social interaction between its bankerstudents, which is conducive to problem solving during the school and in the bank. The school’s curriculum is presented by a distinguished faculty of bankers, educators, regulators and industry professionals. In their second year, teams of MSB students compete in a computerized bank

simulation exercise. For some bankers, MSB Things to Know: serves as preparation for the • Session is held April 3-9, 2016 Graduate School of Banking • Applications are due Feb. 1, 2016 at LSU or another graduate • Must meet the following criteria: banking program. All MSB • Employee or director of a commercial graduates gain exposure to savings institution, or regulatory agency all aspects of banking, equipping them to do a better job • High school graduate in their bank. • 21 years of age or older The MSB Board of Trust• Recommended by a senior officer of his ees and staff work closely or her institution or agency with Dr. Ken Cyree, MSB Apply online at www.msbankers.com director, to help assure that the school offers the most timely and relevant topics. agency; be a high school graduate; be 21 Amy Davis, MBA senior vice president, years of age or older; and be recommended serves as the school’s registrar. by a senior officer of his or her institution To be admitted as a first-year student, or agency. Applicants from MBA member an applicant must be an employee or di- banks are given priority over other applirector of a commercial or savings bank, a cants. Applications should be submitted savings institution, or a bank regulatory by February 1, 2016.

TRUE LEADERS DON’T CREATE FOLLOWERS, THEY CREATE MORE LEADERS Since 1950 the Graduate School of Banking at Louisiana State University has helped build over 15,000 banking leaders in the industry. Contact us to develop your future leaders today.

2016 SESSION • May 22— June 3, 2016 (225) 766-8595 • gsblsu.org 4273 Highland Road | Baton Rouge, LA 70808

NOVEMBER/DECEMBER 2015

MBA Education Foundation

Gifts from banks, bankers support foundation’s mission To fund scholarships, financial education in Mississippi The Mississippi Bankers Association Education Foundation, a non-profit subsidiary of the MBA established in 2012, is completing its 2015 campaign to raise funds to support its mission of providing college, high school and banker scholarships and promoting financial education in Mississippi schools and communities. Frank Sibley, president and chief executive officer of Citizens Bank & Trust, and MBA vice chairman, serves as president of the Education Foundation. The Foundation awards annual scholar- Sibley ships in conjunction with the Mississippi Young Bankers section and supports personal finance education provided by the MBA, MYB and our member banks. The goal of the Foundation is to be a stable, long-term source of funding that will allow for the continuation, and enhancement, of these important activities. Current scholarships include the Orrin Swayze Awards, given to college seniors studying banking and finance; the Leadership Scholarship, given to a college junior studying banking; the Merit Scholarship, given to a high school senior who is the son or daughter of a Mississippi banker; and the Mississippi School of Banking Awards, given to the top students at the MBA-sponsored banking school. (Each scholarship has specific rules governing eligibility and selection criteria). Through support of the Education Foundation, banks and bankers make possible activities which benefit our communities and state – and promote an accurate and positive image of our industry. In a letter to bankers earlier this year, Sibley encouraged bankers to consider making a gift before the end of 2015 and putting the Education Foundation in their budgets going forward. As a charitable organization, the foundation may accept tax-deductible gifts under state and federal law. Sibley chairs an eight-member board of 18

directors which governs the foundation. The board is composed of bankers who serve as members of the MBA Executive Committee and officers of the Mississippi Young Bankers. MBA treasurer Jerry Host of Jackson is vice president of the Foundation. Other board members are George Marx of Hazlehurst, Freddie Bagley of Brandon, Parker England of Greenville, Johnny Barrett of Oxford, Buddy Mortimer of Kilmichael, Kent Mortimer of Kilmichael and Wes Rouse of Hattiesburg. Mac Deaver, MBA president, serves as secretary-treasurer of the Foundation. Since it began fundraising in November 2012, the Foundation has received 89 cash gifts from 51 corporate and individual donors. A number of these are recurring annual gifts. Presently, after awarding $15,500 in scholarships in 2015, the Foundation has a fund balance of $118,440. Since its inception, the Foundation has awarded a total of $46,500 in scholarships. Under policies set by the board, cash gifts to the foundation’s general fund can be accepted without restriction. Any non-cash gifts or gifts designated for a particular purpose require approval by board action. The board has established five levels of recognition for those making gifts to the foundation. Bankers are encouraged to make gifts in memory or recognition of persons who have made notable contributions to Mississippi banking. A Pledge Card, along with other information on the Education Foundation, are available on the MBA website – www.msbankers. com. All bankers are encouraged to contact Deaver to get answers to questions

Board of Directors Frank Sibley - President Citizens Bank & Trust Co., Marks Jerry Host - Vice President Trustmark National Bank, Jackson Freddie Bagley Community Bancshares Inc., Brandon Johnny Barrett FNB Oxford Bank, Oxford Parker England Planters Bank & Trust Co., Greenville George Marx - President Copiah Bank, N.A., Hazlehurst Buddy Mortimer Bank of Kilmichael, Kilmichael Kent Mortimer Bank of Kilmichael, Kilmichael Wes Rouse Magnolia State Bank, Hattiesburg

or to make a gift. He can be reached by telephone at (601) 948-6366 or by email at mdeaver@msbankers.com.

Education Foundation Giving Levels Leadership $5,000 or more Patron $2,500 to $4,999

Member $1,000 to $2,499 Friend $500 to $999 Individual $50 to $499 To learn how you can make a difference through the MBA Education Foundation, contact the MBA at (601) 948-6366.

THE MISSISSIPPI BANKER

MBA Officers and Board of Directors 2015-16 CHAIRMAN

VICE CHAIRMAN

George Marx Cophiah Bank, N.A. Hazlehurst Preceding Chairman

Frank Sibley Citizens Bank and Trust Co. Marks

Retiring Chairman

Odean Busby PriorityOne Bank Magee

Freddie Bagley Community Bancshares of MS Brandon

Group 2

Johnny Barett FNB Oxford Bank Oxford

Robert Gage RiverHills Bank Port Gibson

At Large

Art Stevens Trustmark Bank Jackson

Jerry Host Trustmark National Bank Jackson

At Large

Group 1

Dennis Ammann Peoples Bank Mendenhall

Arthur DuCote Regions Bank Jackson

Mitch Waycaster Renasant Bank Tupelo

Group 3

Group 4

Bobby Steinriede Moak Griffin Guaranty Bank & Trust BankFirst Financial Services Hollandale Columbus

Frank West First Security Bank Batesville

Group 6

TREASURER

Group 6

Group 7

John Neville State Bank & Trust Co. Ridgeland

Pike National Bank

James Wicker McComb

Group 5

Buddy Mortimer Bank of Kilmichael Kilmichael

Michael Dudley The Commercial Bank DeKalb

Group 8

Hoppy Cole The First Hattiesburg

Greg Cronin Charter Bank Biloxi

MBA Staff

Mac Deaver President

Amy Davis Sr. Vice President Operations

Gordon Fellows Vice President Govt. Relations

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Gail Sykes Business Mgr.

Sherell Taylor Manager of Ins. Services

Rachel Chew Manager of Communications

NOVEMBER/DECEMBER 2015

EMV chip cards: ABA breaks down how the chip card Will change the banking landscape This fall banks across the country have started issuing new credit and debit cards to their customers. These new cards feature a “chip” technology that provides an additional layer of security to financial transactions.

What are EMV Cards?

Called EMV cards – short for Europay, MasterCard, Visa – they are already a common form of technology used around the world. EMV cards are essentially a standard-size credit card with an embedded microprocessor chip that stores and protects cardholder data. This computer chip is a small, metallic square on the front of the credit or debit card. It utilizes a process that scrambles personal and financial data to make it virtually useless to criminals. It generates an encrypted, one-time-use digital key for each transaction.

consumers are protected as soon as possible. Magstripes will still work at stores without a chip terminal. Since this is a gradual process, consumers don’t have to worry about their current cards being accepted after October 1.

Liability Shift

If the digital key is stolen, it is useless, as the criminal cannot use it to conduct another transaction. However, EMV does not prevent or deter fraudulent card-notpresent purchases, such as online shopping. Most card fraud in the U.S. takes place in card-not-present transactions. “Banks are continually looking for ways to leverage technologies to protect their customers whether it’s at a store, at the ATM or online,” said Frank Keating, president and CEO of the American Bankers Association. “This chip technology is another layer of security for the millions of in-person transactions made every day.”

Banks have already made significant headway in leading the EMV transition, with a total of 575 million EMV cards expected to be issued by the end of 2015. Many large retailers have moved quickly to adopt EMV as well, but small businesses have been slower to implement these terminals. According to ABA Banking Journal, a survey conducted by Newtek Business Services showed only 41 percent of business owners currently have the ability to accept EMV credit and debit cards. Of those with EMV terminals, 53 percent reported that they have no plans to update their technology to become EMV compliant. Banks or retailers that are not using chip technology by October 2015 will assume liability for any fraud that occurs thereafter.

Transition to EMV Cards

Consumer Education

Fraud Prevention

Starting this October, banks began to offer cards equipped with chip-based technology, while some retailers installed terminals capable of reading the chipbased cards. This is not a government mandate, nor is it a deadline. It is a private sector-initiated incentive to ensure that

Many consumers may wonder if there will be cost to upgrade their current cards to an EMV card - there is no cost to consumers. Banks and payment networks have invested billions into EMV. Banks are absorbing the cost of issuing EMV cards, which cost the banks about 15 times

THE MISSISSIPPI BANKER

what magstripe cards cost. As these new cards are being issued, it will be important for banks to educate their customers on the benefit of the new technology embedded in these chip cards and how to use these new cards. “Bank customers will continue to enjoy protections from fraud liability. When you dip your chip card, you are using technology that makes life harder for fraudsters,” said Keating. As cardholders adjust to this new technology, bank staff needs to be well educated as well on how these chip cards work. On the opposite page is an infographic created by ABA to help educate on EMV cards and how to use them.

Moving Forward

EMV chips are an important innovation that better protect consumers’ financial data, but they are only part of the greater effort made by banks and networks to combat hackers. Other innovations are on the horizon and will play an important role fighting future threats. For more information on EMV cards, please visit www.aba.com.

This information was gathered from American Bankers Association’s website, www.aba. com, and ABA Banking Journal website, www. bankingjournal.aba. com.

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CHIP CARDS Banks are issuing payment cards embedded with security chips to help protect you against fraud at the register.

WHAT IS A CHIP CARD?

HOW DO I USE IT?

A chip card—also known as an EMV card—is your financial institution’s way of adding an extra layer of security when you pay. Chip cards can be used anywhere your other cards are used, but the chip functionality only works at a business that has an activated chip-enabled terminal.

Insert your card into the chipenabled terminal with the chip first, facing up.

Leave the card in the terminal until the transaction is complete. You may be prompted to sign your name.

If there isn’t a chip-enabled terminal, use the card the traditional way and swipe.

WHY ARE CHIP CARDS MORE SECURE?

BANK NAME

Consumers continue to have zero liability for fraudulent transactions.

1234 5678 9012 3456

The chip in your card is virtually impossible to duplicate. That means attempts by a fraudster to create and use counterfeit cards will be much harder.

Exp. 2018 JOHN DOE

The chip generates a unique, one-time code each time you dip your card at a chip-enabled terminal. Your purchase can only be approved with the chip-generated code.

More questions? Your bank is ready to help. Simply visit the website on the back of your card.

Pre-Order Your 2016 Bank Directory The MBA’s Mississippi Bank Directory brings you the most up-to-date information on Mississippi’s banks. Use the directory to reach officers and directors or as a reference source to up-to-date financial data on the state’s banks. The directory includes: • • • • • • •

Mississippi commercial banks and branches by city/town Addresses, Phone numbers, Web sites and email addresses Routing numbers MBA Affiliate members Banking and trade organizations State and federal regulatory agencies Key state elected and appointed officials

$35

2016 Mississippi Bank Directory Official Publication of

www.msbankers.com

Pre-Order Today! Visit www.msbankers.com or call (601) 948-6366 NOVEMBER/DECEMBER 2015

MBA Afﬁliates

THE MISSISSIPPI BANKER

205/445-2880 Contact: Hanson Borders Email: hborders@mjcpa.com Website: www.mjcpa.com

The 111 companies and firms listed on these pages support Mississippi banks and bankers as MBA Affiliates. As Affiliates, they provide outstanding products, services and expertise that help keep our state’s banking industry strong. Additionally, they support our Association financially and participate in many MBA events and activities. All Mississippi banks are encouraged to consider these firms and companies when seeking vendors to assist you in better serving your customers and communities. And remember to thank them for being MBA Affiliates

ACCOUNTING

Alexander Thompson Arnold CPAs 2070 Rhino Crossing Milan, TN 38358 731/686-8371 Contact: Jack Matthis Email: jmatthis@atacpa.net Website: www.atacpa.net BKD LLP 190 E. Capitol St. Suite 500 Jackson, MS 39201 601/948-6700 Fax 601/948-6000 Contacts: Lance Davis, Trey Turnage Email: lancedavis@bkd.com, tturnage@ bkd.com Website: www.bkd.com Carr, Riggs & Ingram, LLC 282 Commerce Park Dr. Ridgeland, MS 39157 601/853-7050 Fax 601/853-9331 Contact: Randy Eure Email: reure@cricpa.com Website: www.cricpa.com Crowe Horwath LLP 720 Cool Springs Boulevard, Suite 600 Franklin, TN 37067-7260 615/515-5683 Fax 615/399-3663 Contact: Don Cleary Email: don.cleary@crowehorwath.com Website: www.crowehorwath.com/fi 22

Dixon Hughes Goodman LLP 2140 Eleventh Avenue South The Park Building, Suite 400 Birmingham, AL 35205 Toll Free: 877/999-9343 205/212-5350 Contacts: Walter McNairy, David Wiggins, Wally Dunn, and Jon Tomberlin Email: walter.mcnairy@dhgllp.com, david.wiggins@dhgllp.com, wally.dunn@ dhgllp.com, jon.tomberlin@dhgllp.com Website: www.dhgllp.com/financialservices

Nail McKinney P.A. PO Box 196 Tupelo, MS 38802 662/842-6475 Fax: 662/842-4531 Contact: James Pegues Email: jpegues@nmcpa.com Website: www.nmcpa.com Porter Keadle Moore, LLP 235 Peachtree St NE Suite 1800 Atlanta, GA 30303 404/420-5631 Fax: 404/588-4222 Contact: Sonny MacArthur Email: smacarthur@pkm.com Website: www.pkm.com Postlethwaite & Netterville 8550 United Plaza Blvd., Suite 1001 Baton Rouge, LA 70809 225/922-4600 Fax: 225/922-4611 Contact: Candy Wright, Vince Milano Email: cwright@pncpa.com Website: www.pncpa.com

GranthamPoole, PLLC 1062 Highland Colony Parkway, Suite 201 Ridgeland, MS 39157 601/499/2400 Fax: 601/499/2401 Contact: Dickens Fournet Email: dfournet@granthampoole.com Website: www.granthampoole.com

Reynolds, Bone & Griesbeck, PLC Clark Centre, 5100 Wheelis Dr., Suite 300 Memphis, TN 38117-4568 901/682-2431 Fax: 901/683-5482 Contact: Jonathan Nason, John Griesbeck Email: jnason@rbgcpa.com, jgriesbeck@ rbgcpa.com Website: www.rbgcpa.com

HORNE LLP 1020 Highland Colony Parkway, Suite 400 Ridgeland, MS 39157 601/326-1342 Fax: 601/898-9054 Contact: Hans Pettit Email: hans.pettit@horne-llp.com Website: www.horne-llp.com

Saltmarsh, Cleaveland & Gund 900 N 12th Avenue Pensacola, FL 32501 850/509-8466 Contact: Bill Massey Email: bill.massey@saltmarshcpa.com Websites: www.thebankadvisors.com and www.saltmarshcpa.com

Mauldin & Jenkins 2000 Southbridge Parkway, Suite 501 Birmingham, AL 35209

THE MISSISSIPPI BANKER

Silas Simmons, LLP 209 Nor th Commerce Street Natchez, MS 39120

MBA Afﬁliates

THE MISSISSIPPI BANKER

601/442-7411 Fax: 601/442-8551 Contact: Benny Jeansonne Email: bjeansonne@silassimmons.com, jholder@silassimmons.com Website: www.silassimmons.com T. E. Lott & Company, PA PO Box 471 Columbus, MS 39703-0471 662/328-5387 Contact: Charles M. Hawkins, Stewart Greene Email: mhawkins@telott.com, sgreene@ telott.com Website: www.telott.com Watkins Uiberall, PLLC 1661 Aaron Brenner Dr, Suite 300 Memphis, TN 38120 901/761-2720 Fax 901/683-1120 417 W. Main Street, Suite 100

Tupelo MS 38804-3842 Contact: Jeff Thomason, Nina Gourley E-mail: ngourley@wucpas.com Website: www.wucpas.com Williams, Weiss Hester & Company, PLLC PO Box 16506 Jackson, MS 39236 601/981-7571 Fax 601/981-4132 Contact: Doug Hester Email: Doug.hester@wwhcpa.com Website: www.wwhcpa.com Wilson & Biggs PLLC PO Box 930 302 Town Center Place Ste C 601/957-2001 Fax 601/957-6081 Ridgeland, MS 39158 Contacts: Fred Wilson, Mark Biggs Email: markb@wilsonbiggspllc.com Website: www.wilsonbiggspllc.com

BANKING & PAYMENT TECHNOLOGIES

CheckAlt 5670 Wilshire Blvd. Los Angeles, CA 90036 786/603-1054 Contact: Rob MacMahon Email: Robert.MacMahon@CheckAlt. com Website: www.checkalt.com FEDCorp, Inc. 2169 Stanton Rd., Ste 100 Daphne, AL 36526 251/661-6286 Fax 251/661-6905 Contacts: Mike Pruett, Chip Smith Emails: mikep@fedcorpatm.com; chips@ fedcorpatm.com Website: www.fedcorpatm.com Continued on Page 24

2015 Mississippi Bankers Association

Program Partners Thanks to our PROGRAM PARTNERS that provide support to the MBA and the Mississippi banking industry throughout the year.

*Look for the Program Partners logo next to the participating MBA Afﬁliates. For more information on the Program Partners program, please contact Brooke McCoy, bmccoy@msbankers.com. NOVEMBER/DECEMBER 2015

MBA Afﬁliates

THE MISSISSIPPI BANKER

BANKING & PAYMENT TECHNOLOGIES (Cont.) Fiserv 255 Fiserv Dr. Brookfield, WI 53046 843/235-0897 Contact: Rick Faust Email: rick.faust@fiserv.com

Ridgeland, MS 39157 601/605-1057 Fax 601/605-5804 Contact: Carol Wilson Email: carol@intermixtechnologies.com Website: www.intermixtechnologies.com

COMPUTERS/SOFTWARE

Ascensus P.O. Box 979 ICBA Services Network Brainerd, MN 56401 4209 Kinsmon Way 800/346-3860, Ext 55163 Marietta, GA 30062 Contact: Jane Weizenegger and Ryan 770/650-9801 Contact: David Moore, Senior Vice Shearer Email: jane.weizenegger@ascensus.com President Website: www.Ascensus.com Email: david.moore@icba.org Website: www.icba.org D+H 605 Crescent Executive Court, Suite 600 Jack Henry & Associates Lake Mary, FL 32746 663 West Highway 60 407-804-6653 Monett, MO 65708 Contact: Stacey Leone 417/235-6652 Email: Stacey.leone@dh.com Fax: 866/283-5404 Website: www.dh.com Contact: Joel P. Thomas Email: joelthomas@jackhenry.com INTEGRA Software Systems Website: www.jackhenrybanking.com 117 Seaboard Lane, Suite F-290 Franklin, TN 37067 NCR Corporation 615/595-0900 ext. 810 Contact: John Griffin Fax 615/628-0100 Email: John.Griffin@ncr.com Contact: Adelaide Farrar Phone: 678-808-7006 Email: sales@integra-online.com Website: www.ncr.com Website: www.integra-online.com

CHECKS & CHECKING PRODUCTS

Harland Clarke 712 Northdale Place Brandon, MS 39047 601/812-4317 Fax: 210/558-558-9265 Contact: Bill Posey Email: William.posey@harlandclarke.com Website: www.harlandclarke.com Main Street Checks 920 19th Street North Birmingham, AL 35203 205/323-0234 Website: www.mschecks.com

COMMUNICATIONS/ NETWORKING

CONSULTANTS

Compensation Advisors 633 Wildwood Rd Gadsden, AL 35901 256/441-3400 Contact: Charlie Hicks Email: charlie.hicks@compensationadvisors.com Website: www.compensationadvisors.com Corporate Benefit Strategies, Inc. PO Box 1730 Meridian, MS 39302-1730 601/693-0239 Fax 601/483-6041 Contacts: J. Brock O’Leary, Sr. Email: brock@cbs-irish.net Equias Alliance, LLC 8000 Centerview Parkway, Ste 525 Memphis, TN 38018 901/202-6886 Contacts: David Shoemaker, James P. Taylor, Linda Radley Emails: dshoemaker@equiasalliance.com; jtaylor@equiasalliance.com; lradley@ equiasalliance.com Website: www.equiasalliance.com

AaSys Group 11301 US Highway 301, Suite 106 Thonotosassa, FL 33592 205/219-0288 Fax 813/246-4576 Contact: Beth Fox Email: bfox@aasysgroup.com Website: www.aasysgroup.com

Financial Institution Strategies Group, LLC 992 Northpark Drive, Suite C Ridgeland, MS 39157 601/956-1962 and 601/427-9122 Fax: 601/510-9163 Contacts: Ben Sones and Holly Logue Emails: bsones@fistrategies.net, hlogue@ fistrategies.net

Bank Financial Services Group, Inc. 1600 Division Street, Suite 400 Nashville, TN 37203 615/742-9692 Fax 615/742-8799 Contact: Lee F. Van Dyke Email: lvandyke@bfsgroup.com Website: www.bfsgroup.com

Olsen Palmer 1155 Connecticut Avenue NW Suite 810 Washington, DC 20036 202/627-2043 Contact: Christopher Olsen Email: colsen@olsenpalmer.com Website: www.olsenpalmer.com

Intermix Technologies 130 Dyess Road 24

BankSmart 3072 Longbrooke Way Clearwater, FL 33760-1700 813/774-8000 Contact: Jim Wilkson Email: jwilkson@banksmart.com Website: www.banksmart.com

THE MISSISSIPPI BANKER

Premier Insights, Inc. PO Box 1649

MBA Afﬁliates

THE MISSISSIPPI BANKER

Ridgeland, MS 39158-1649 601/977-9948 Contact: Brandon Roberts, Ph.D. Email: brandon@premierinsights.com Website: www.premierinsights.com Raymond James 50 N. Front Street Memphis, TN 38103 901/531-3288 Contact: Stephen Cross Email: Stephen.cross@raymondjames. com Website: www.raymondjames.com Sawyers & Jacobs, LLC 1085 Halle Park Circle Collierville, TN 38017 901/487-2575 Fax 866/488-4933 Contact: Jimmy Sawyers Email: jsawyers@sawyersjacobs.com Website: www.sawyersjacobs.com Ventis Consulting, LLC 282 Katonah Avenue, #135 Katonah, NY 10536 646/522-6212 Contact: Douglas Dreyer Email: ddreyer@ventisonline.com Website: www.ventisonline.com

CONSUMER PROTECTION

Better Business Bureau Serving Mississippi 660 Katherine Drive, Suite 400 Flowood, MS 39232 601/398-1700 Fax 769/251-1054 Contact: John O’Hara Email: johara@ms.bbb.org Website: www.bbb.org/mississippi

CORRESPONDENT BANKING SERVICES

AloStar Bank of Commerce 3680 Grandview Pkwy, Suite 200 Birmingham, AL 35243 334/467-6664 Contact: Aggie Gibson Email: agibson@alostarbank.com Website: www.AloStarBank.com

BBVA Compass 15 South 20th Street, Suite 1002 Birmingham, AL 35233 205/297-3330 Fax: 205/297-7558 Contacts: Jim Park, Fred Wipperling, Bob Freeman Email: jim.park@bbva.com; fred.wipperling@bbva.com; bob.freeman@bbvacompass.com Website: www.bbvacompass.com/correspondent CenterState Bank 3800 Colonnade Parkway, Suite 210 Birmingham, AL 35243 205/968-2900 Fax: 205/968-2939 Contact: Mr. Shawn Gillis Email: sgillis@centerstatebank.com Web Site: www.csbcorrespondent.com ServisFirst Bank Correspondent Bank Division 850 Shades Creek Pkwy, Ste. 200 Birmingham, AL 35209 855/881-0364 Contact: William H. Street, Jr. Email: correspondentbanking@servisfirstbank.com Website: www.servisfirstbank.com TIB – The Independent BankersBank PO Box 560528 Dallas, TX 75356 800/288-4842 Fax: 866/466-4842 Contact: Greg Todd. SVP, Director of Communications E-mail: tibinfo@mybankersbank.com Website: www.mybankersbank.com

DATA PROCESSING SERVICES

Accuity Asset Verification Services, Inc. 4709 Golf Road Skokie, IL 60030 847/933-5065 Fax: 847/763-2701 Contact: Paul Soczynski Email: Paul.Soczynski@accuity.com Website: www.accuitysolutions.com

CSI (Computer Services, Inc.) 3901 Technology Drive Paducah, KY 42001 800/545-4274 Contact: Kevin Blaser Email: associations@csiweb.com Website: www.csiweb.com Financial Institution Service Corporation 500 Pavilion Road West Monroe, LA 71292 318/387-0691 Fax: 318/387-9620 Contact: Patrick L. Spencer Email: pat.spencer@fiscdp.com Website: www.fiscdp.com

ECONOMIC DEVELOPMENT

Mississippi Business Finance Corporation 735 Riverside Dr. Suite 300 Jackson, MS 39202 601/355-6232 Fax: 601/355-3888 Contacts: Bill Barry, Cindy Carter Email: bbarry@mbfc.cc; ccarter@mbfc.cc Website: www.msbusinessfinance.com

ELECTRONIC BANKING SERVICES

KOL Systems, Inc. Authorized Agents for Diebold Incorporated 601/540-7701; 601/573-1562 Contacts: Harry Barrett & David Holmes Emails: harry.barrett@diebold.com; david.holmes@diebold.com Website: www.diebold.com PULSE 6308 Connell Farm Drive Plano, TX 75024 469/384-9363 Fax 469/362-3736 Contact: John Fuller Email: jfuller@pulsenetwork.com Website: www.pulsenetwork.com

Continued on Page 26

NOVEMBER/DECEMBER 2015

MBA Afﬁliates

THE MISSISSIPPI BANKER

ELECTRONIC BANKING SERVICES (Cont.) SHAZAM, Inc. 392 Empressor Cove Collierville, TN 38017 800/717-4460 Fax: 901/854-4340 Contact: Rob Buchanan Email: rbuchanan@shazam.net Website: www.shazam.net

Vantiv 8500 Governors Hill Drive Symmes Twp, OH 45249 972/529-9776 Contact: Carla Bifano Email: Carla.bifano@vantiv.com Website: www.vantiv.com

EMPLOYEE BENEFITS

Hauenstein Financial Group, LLC PO Box 513 Laurel, MS 39441 601/428-4393 Fax: 601/649-2434 Contacts: G. Carey Hauenstein, CLU Email: gchclu@lycos.com Southern Administrators PO Box 2449 Madison, MS 39130 Phone 601/856-9933 Fax 601/856-8088 Web Site: www.sabcflex.com Contact: Jim Miller Email: jmiller@sabcflex.com Website: www.sabcflex.com Stockett and Thomas 1020 Highland Colony Pkwy, Suite 304 Ridgeland, MS 39157 601/948-3733 Fax 601/355-1356 Contacts: Chad Stockett, CFP®, CPA; Curt Thomas, CRPS® Email: cstockett@stockettandthomas.com WealthPartners 220 Trace Colony Park Drive, Ste. A Ridgeland, MS 39157 601/414-4455 Fax: 601/414-4459 Contact: Clayton Smith Email: csmith@wpnfp.com 26

Website: www.wealthpartnersnfp.com

FACILITY PLANNING

LEVEL5, LLC 2018 Powers Perry Road SE, Suite 750 Atlanta, GA 30339 404/761-0008 Contact: Mike Colvin Email: mcolvin@level5.com Website: www.level5.com

FINANCIAL INTERMEDIARY Federal Home Loan Bank of Dallas PO Box 619026 Dallas/Ft. Worth, TX 75261-9026 800/442-9841 Fax: 214/441-8551 Contact: Steve Otto Email: Steve.Otto@fhlb.com Website: www.fhlb.com

GOVERNMENT LENDING USDA Rural Development 100 West Capitol St., Suite 831 Jackson, MS 39269 601/965-4316 Fax: 601/965-4088 Contact: Trina George Email: trina.george@ms.usda.gov Website: www.rurdev.usda.gov

INSURANCE

ABA Insurance Services 5910 Landerbrook Drive, Suite 100 Mayfield Heights, OH 44124 Toll Free: 800/274-5222 Fax: 800/456-6590 Contact: Richard Flenner, Regional Sales Manager Email: rflenner@abais.com or marketing@abais.com Website: www.abais.com Chubb Group of Insurance Companies 1400 Urban Center Drive, Suite 450 Vestavia Hills, AL 35242 205/968-5401 Contact: Tyrus Czeschin Email: tczeschin@chubb.com Website: www.chubb.com

THE MISSISSIPPI BANKER

Earl R. Whaley and Company 521 Airway Dr. Alcoa, TN 37701 865/970-7500 or 888/970-7500 Fax: 865/970-7937 Contact: Kevin Berry, Regional V.P., Farmington, MO (572)934-0154 Email: kberry@earlwhaley.com Website: www.earlwhaley.com Financial Products and Services, Inc. 211 Athens Way, Suite 200 Nashville, TN 37228 901/428-1807 Contact: Jon Goodson Email: jgoodson@financialpsi.com Gulf Guaranty Life Insurance Company PO Box 12409 Jackson, MS 39236-2409 601/981-4920 Fax: 601/981-3402 Contact: James H. Robertson, President Email: jim@gulfguaranty.com Website: www.gulfguaranty.com Integrity Business Services 107 West Meadow Hill Drive Florence, AL 35633 256/436-1346 Fax: 800/505-4904 Contact: Don Smith Email: dsmith@ibservicesusa.com NFP Executive Benefits 3445 Peachtree RD NE, Suite 200 Atlanta, GA 30326 770/799-4736 Fax: 770/799-4737 Contact: Kimberly Harvill Email: KHarvill@nfp.com Website: www.nfpeb.com Travelers 1000 Windward Concourse; Suite 100 Alpharetta, GA 30005 678/317-7887 Contact: Danny Rakovec Email: drakovec@travelers.com Website: www.travelers.com

INSURANCE CONSULTING TLJ Partners, Inc. PO Box 12979 Jackson, MS 39236

MBA AfďŹ liates

THE MISSISSIPPI BANKER

601/364-7308 or 601/259-4395 Fax: 601/366-1815 Contact: Leland H. Rogers Email: lhr@tljpartners.net Website: www.tljpartners.net

INVESTMENTS/ INVESTMENT BANKING

The Baker Group 2300 Windy Ridge Parkway, Suite R76 Atlanta, GA 30339 855/500-4546 Contact: Paul Clanton Email: paul@gobaker.com Website: www.gobaker.com Cantor Fitzgerald 6410 Poplar Avenue, Suite 700 Memphis, TN 38119 901/347-1700 Fax: 901/202-7098 Contacts: Hunter Quinn Email: hquinn@cantor.com Website: www.cantor.com Crews & Associates, Inc. 521 President Clinton Avenue, Suite 800 Little Rock, AR 72201 800/766-2000 Fax: 501/907-4048 Contact: Rick Calhoun Email: rcalhoun@crewsfs.com Website: www.crewsfs.com Duncan-Williams Inc. 6750 Poplar Avenue, Suite 300 Memphis, TN 38138 901/435-4127 Fax: 901/435-4137 Contacts: Jack Schlifer, Tommy Lusk, and Michael Jordan Email: Jack.Schlifer@duncanwilliams.com Website: www.duncanwilliams.com Promontory Interfinancial Network, LLC 133 N. 17th St., Suite 1800 Arlington, VA 22209 662/549-1966 Contact: Kenny Heredia Email: kheredia@promnetwork.com Website: www.promnetwork.com

Ridgeland, MS 39158-6010, 601/985-4512 Fax: 601/985-4500 Contacts: Ed Wilmesherr, Cliff Harrison Email: ed.wilmesherr@butlersnow.com Website: www.butlersnow.com

Smith Shellnut Wilson, LLC 150 Fountains Blvd., Suite A Madison, MS 39110 601/605-1776 Fax: 601/605-1710 Contact: Frank Smith, Jr. Email: franks@ssw1776.com Website: www.ssw1776.com Vining Sparks, IBG, L.P. 775 Ridge Lake Blvd. Memphis, TN 38120 800/786-1272 Fax: 901/766-3321 Contact: Britton Wilkins, SVP Email: bwilkins@viningsparks.com Website: www.viningsparks.com

LEGAL SERVICES

Adams and Reese LLP 1018 Highland Colony Parkway, Suite 800 Ridgeland, MS 39157 601/353-3234 Fax: 601/355-9708 Contact: Charles N. Parrott, Paul A. Carrubba, C. Phillip Buffington, Jr. Email: charles.parrott@arlaw.com, paul. carrubba@arlaw.com, phil.buffington@arlaw.com Website: www.adamsandreese.com Bradley Arant Boult Cummings LLP One Jackson Place 188 E. Capitol Street, Suite 400 Jackson, MS 39201 601/592-9944 Fax: 601/948-8000 Contact: Rod Clement Email: rclement@babc.com Website: www.babc.com Brunini, Grantham, Grower & Hewes, PLLC PO Drawer 119 Jackson, MS 39205 601/948-3101 Fax: 601/960-6902 Contacts: Granville Tate, Tom Walker Email: GTate@Brunini.com, TWalker@Brunini.com Website: www.brunini.com Butler Snow LLP PO Box 6010

Copeland Cook Taylor & Bush, P.A. PO Box 6020 39158 600 Concourse, Suite 100 1076 Highland Colony Parkway Ridgeland, MS 39157 601/427-1312 Fax: 601/856-7627 Contact: William H. Leech Email: bleech@cctb.com Website: www.copelandcook.com Fenimore, Kay, Harrison & Ford, LLP 812 San Antonio Street, Suite 600 Austin, TX 78701 512/583-5901 Fax: 512/583-5940 Contact: Chet A. Fenimore Email: cfenimore@fkhpartners.com Website: www.fkhfpartners.com Jones Walker LLP PO Box 427 39205-0427 190 East Capitol Street, Suite 800 Jackson, MS 39201 601/949-4900 Fax: 601/949-4804 Contacts: Craig N. Landrum, Linda Bounds Keng, J. Andrew Gipson, Neal Wise Email: clandrum@joneswalker.com, lkeng@joneswalker.com, agipson@joneswalker.com, nwise@joneswalker.com Website: www.joneswalker.com McGlinchey Stafford PLLC 200 S. Lamar Street, City Centre South, Suite 1100 Jackson, MS 39201 769/524-2300 Contact: G. Dewey Hembree, III Email: ghembree@mcglinchey.com Website: www.mcglinchey.com

Continued on Page 28 NOVEMBER/DECEMBER 2015

MBA Afﬁliates

THE MISSISSIPPI BANKER

LEGAL SERVICES (Cont.)

Should you be an MBA Afﬁliate?

Mitchell McNutt & Sams PO Box 7120 Tupelo, MS 38802-7120 662/842-3871 Fax 662/842-8450 Contacts: Scott Hendrix, Guy W. Mitchell, III, Michael D. Ferris Email: shendrix@mitchellmcnutt.com, gmitchell@mitchellmcnutt.com, mferris@mitchellmcnutt.com Website: www.mitchellmcnutt.com

MBA Affiliates receive many benefits, including: • Listings in The Mississippi Banker magazine and the Mississippi Bank Directory • Listing and link on the MBA website, www.msbankers.com • Comprehensive listing in “MBA Affiliates Reference Guide,” a publication sent to MBA member banks and distributed at Association events • Two (2) subscriptions to The Mississippi Banker and two (2) copies of the annual Mississippi Bank Directory • Member registration fees for MBA events, including the Annual Convention • Discounted booth rental fee, priority booth location, and other benefits at the Annual MBA Convention Trade Show. • 15% discount off regular rates for advertising in The Mississippi Banker • Eligible for “MBA Program Partners” program • Opportunity to provide editorial submissions for The Mississippi Banker • Exclusive opportunities to advertise in the Mississippi Bank Directory • One set of MBA member bank CEO mailing labels

Randall, Segrest, Weeks, Reeves & Sones, PLLC 992 Northpark Drive, Suite A Ridgeland, MS 39157 601/956-2615; 601/956-1962 Contacts: Ben Sones, Paul Randall, Andy Segrest Email: bsones@randallsegrest.com; prandall@randallsegrest.com; asegrest@randallsegrest.com Website: www.randallsegrest.com Riley Caldwell Cork & Alvis, P.A. P.O. Box 1836 Tupelo, MS 38802 662/842-8945 Fax: 662/842-9032 Contact: Pat Caldwell Email: pcaldwell@rccalaw.com Watkins & Eager PLLC PO Box 650 Jackson, MS 39205 601/965-1900 Fax: 601/965-1901 Contacts: George R. Fair, F.J. Hammond, M. Binford Williams, William F. Ray, Jim F. Spencer, C. Joyce Hall Email: gfair@watkinseager.com, fhammond@watkinseager.com, bwilliams@ watkinseager.com, wray@watkinseager. com, jspencer@watkinseager.com, jhall@ watkinseager.com Website: www.watkinseager.com

LENDING/BUSINESS DEVELOPMENT

Southeastern Commercial Finance, LLC 5100 Poplar Ave., Suite 2700 Memphis, TN 38137 28

For more information about becoming an MBA Afﬁliate, contact: Brooke McCoy, MBA marketing manager, by phone at (601) 948-6366 or by email at bmccoy@msbankers.com.

Direct: 901/322-6147, Cell: 901/2290543 Fax: 901/767-4157 Contact: Melody Vollman E-mail: melody@southeasterncommercial.com Website: www.southeasterncommercial. com Vizaline, L.L.C. 516 Hickory Glen Madison, MS 39110 601/405-1802 Contact: Brent Melton Email: larrybmelton@gmail.com

MERCHANT SERVICES

Acuity Merchant Services PO Box 8446 Chattanooga, TN 37414 866/680-6164 Contact: Cheryl Cockrell Email: ccockrell@acuityonline.com Website: www.acuityonline.com

THE MISSISSIPPI BANKER

MORTGAGE FINANCE & MORTGAGE LENDING Crescent Mortgage Company

5901 Peachtree Dunwoody Rd NE Bldg C, Ste. 250 Atlanta, GA 30328 800/851-0263 Contact: Shy Tittlebaum Email: st@crescentmortgage.net Website: www.crescentmortgage.com Mississippi Home Corporation 735 Riverside Drive Jackson, MS 39202 601/718-4642 or 601/718-4614 Contact: Jenny Layton Email: jenny.layton@mshc.com Website: www.mshomecorp.com Triumph Mortgage 242 Inverness Center Drive Capstone Suite Birmingham, AL 35242 Direct: 205/940-4201

MBA AfďŹ liates

THE MISSISSIPPI BANKER

Cell: 662/549-2212 Contact: Pete Hodo, III Email: phodo@triumphmortgage.com Website: www.triumphmortgage.com

PRINTING/DIRECT MAIL

Hederman Brothers, LLC PO Box 6100 Ridgeland, MS 39158 601/853-7321 Fax: 601/853-7335 Contact: Bert Jackson Email: bjackson@hederman.com Website: www.hederman.com, www. hedermandirect.com High Cotton PO Box 101568 Birmingham, AL 35210 877/838-2345 Contacts: Jeffrey Reeves Email: jreeves@highcottonusa.com Website: www.highcottonusa.com Lawrence Printing Co., Inc. PO Box 886 Greenwood, MS 38930 662/453-6301 or Toll Free: 800/8440338 Fax: 662/455-4746 Contact: George Ellis Email: lawrence@laprico.com Website: www.laprico.com

PRINTING/PROMOTIONAL PRODUCTS Bank & Business Solutions 11600 Otter Creek Road South Mabevale, AR 72103 337/886-6567 Fax: 501-224-4769 Contact: Nick Paratore Email: nick.paratore@bnbsinc.com Website: www.bnbsinc.com

Deluxe Strategic Sourcing 5006 Harding Place Nashville, TN 37211 615/690-7020 Fax: 615/690-7030 Contact: Suzy (Reed) Hogle Email: suzy.hogle@deluxe.com

Website: fi.deluxe.com/operate/strategicsourcing

REAL ESTATE/CONSTRUCTION INSPECTION

Construction Inspection Service, LLC 3047 Tidewater Circle Madison, MS 39110 601/613-5033 Contact: Ken Collins Email: kencollins@constructioninspect. com Website: www.constructioninspect.com

SECURITY SERVICES

Federal Protection Inc. Memphis, TN Contact: Jake Martin 901/762-0602 Email: jmartin@federalprotection.com Website: www.federalprotection.com

SIGNAGE & IMAGE MANAGEMENT

Headrick Signs & Graphics, Inc. One Freedom Square Laurel, MS 39440-3367 601/649-1977 Contact: Matt Largen Email: matt@headricks.com Website: www.headricks.com

STATE CHAMBER OF COMMERCE

Mississippi Economic Council PO Box 23276 248 E. Capitol Street, Ste. 940 Jackson, MS 39201 601/969-0022 Toll Free: 800/748-7626 Fax: 601/353-0247 or Toll Free Fax: 888/717-2809 Contact: Blake Wilson, Scott Waller Email: bwilson@mec.ms, swaller@mec.ms Website: www.mec.ms

TELECOMMUNICATIONS Upchurch Telecom & Data, Inc. PO Box 301 Greenwood, MS 38935 662/455-1510 Fax 662/455-9373 Contact: Ron Upchurch Email: rupchurch@uptel.com Website: www.uptel.com

TELECOMMUNICATIONS/ CLOUD SERVICES

Mitchell Signs, Inc. 3200 Hwy 45 N Meridian, MS 39301 Toll Free: 601/482-7471 Fax: 601/482-7474 Contact: Kyle Edmonds Email: kyle.edmonds@mitchellcompanies.com Website: www.mitchellsigns.com Munn Enterprises, Inc. 7712 Highway 49 North Hattiesburg, MS 39402 601/264-7446 601/264-7449 Contact: Harold Munn Email: haroldm@munnenterprises.com Website: wwww.munnenterprises.com

C Spire 1018 Highland Colony Parkway, Suite 300 Ridgeland, MS 39157 601/974-7504 Fax: 601/974-7138 Contact: Jim Richmond Email: jrichmond@cspire.com Website: www.cspire.com

TITLE INSURANCE

Mississippi Valley Title Insurance Company 124 One Madison Plaza, Ste. 2100 Madison, MS 39110 601/969-0222 Contact: Terry Weill Email: Tweill@mvt.com Website: www.mvt.com

NOVEMBER/DECEMBER 2015

We’re Building A Strong Foundation The Mississippi Bankers Association has established the MBA Education Foundation to support scholarship and ﬁnancial education programs of the association and its member banks.

To learn how you can make a difference through the MBA Education Foundation, contact Mac Deaver, Secretary-Treasurer at (601) 948-6366 or mdeaver@msbankers.com.

P.O. Box 37 • Jackson, MS 39205-0037 • (601) 948-6366 The Foundation is a 501(c)(3) non-proﬁt corporation and is eligible to receive tax-deductible contributions. Please consult your tax advisor to determine the tax deductibility of your gift.

THE MISSISSIPPI BANKER

MBA Calendar

THE MISSISSIPPI BANKER

Calendar of Events DECEMBER 3 4 8 8 9 10 11 14 15 16 16 17

ACH Year End Review Introduction to Commercial Lending Lending Compliance Update Deposit Compliance Update Your FCRA Exam, the CFPB & Your Bank: How to Prepare! Lending to Healthcare Providers Credit & Compliance Risk Growing in 2016 Part 1: Focus on CRE Appraisals Part 2: Focus on CRE Appraisals These People Drive Me Crazy Best Ever Commercial Compliance Checklists Who is the Weakest Link in IT Security

JANUARY 20 27-28

Welcome to the New World of HDMA Lending Conference - Jackson

FEBRUARY 23

FDIC Banker Outreach - Jackson

MARCH 12-16 24

APRIL 3-9

MAY

11-15 22-June 3

MYB Annual Convention - Point Clear, Alabama Women in Banking Conference - Marriott, Jackson

Mississippi School of Banking - Oxford

MBA Annual Convention - Sandestin, Florida Graduate School of Banking at LSU - Baton Rouge, Louisiana

Visit www.msbankers.com for Registration and more information

NOVEMBER/DECEMBER 2015

Bankers on the Move

THE MISSISSIPPI BANKER

BancorpSouth Phil Sandoval has joined BancorpSouth in Birmingham, AL, as First Vice President and Community Development Lending Manager. He is a graduate of George Washington University with a bach- Sandoval elor of finance and investments. Sandoval brings 30 years of experience in the mortgage banking industry.

BankFirst Financial Services David Johnson has joined BankFirst Financial Services as Community Bank President of Hattiesburg. He is a graduate of Mississippi State University, where he earned his bachelor’s degree in agricultural Johnson economics and master’s in business administration. Johnson also is a graduate of the National Commercial Lending and Graduate School at the University of Oklahoma. He has over 37 years of experience in the financial industry.

Jean Hancock Johnson has joined BankFi r s t’s Ha t t i e s b u r g branch as Assistant Vice President and Consumer Banker. Johnson has over 12 years of banking experience.

Johnson

Delta Bank James Brown has joined Delta Bank as Assistant Vice President and Manager of the Delta Bank, Natchez. He earned a bachelor of science degree in business administration from Northwestern State University.

Kimberly Hinton has been promoted to Assistant Vice President at Trustmark’s Hattiesburg office. Hinton has 31 years of banking experience. Brown

Planters Bank Ryan Strawbridge has joined Planters Bank as Vice President. He received his undergraduate and his master’s of business administration from Delta State University. Strawbridge is Strawbridge also a graduate of the Southeastern School of Consumer Credit. He currently serves on the Mississippi Bankers Association’s lending committee. Strawbridge has 11 years of banking experience.

Trustmark National Bank Stephen Garrett has been promoted to Assistant Vice President at Trustmark’s McComb office. He holds a bachelor of business administration in finance and marketing from The Garrett University of Southern Mississippi. Garrett has eight years of experience in the banking and financial industry. Dorothy Gray has been promoted to Assistant Vice President at Trustmark’s Hattiesburg office. She attended Southwest Mississippi Junior College. Gray has 38 years of banking experience.

THE MISSISSIPPI BANKER

Trustmark National Bank

Gray

Hinton

Michael Hutchinson has been promoted to Vice President at Trustrmak’s Hazlehurst main office. He earned a bachelor of arts in political science with an emphasis in English from the University of Hutchinson Mississippi. Hutchinson completed the Barret School of Banking at Christian Brothers University. He has 15 years of banking experience. James McNair has been promoted to Vice President of Trustmark’s corporate main office in Jackson. He earned a master of science in leadership from Belhaven University, a bache- McNair lor of science in applied computing from Tulane University and an associate of applied science in computer network technology from Hinds Community College. McNair has 22 years of experience in information technology.

Carl Menist has been promoted to First Vice President at Trustmark’s corporate main office in Jackson. He earned a bachelor of science in accounting from Mississippi College. Menist is a Certified Public Accountant (CPA) and has over 30 years of experience.

Bankers on the Move

THE MISSISSIPPI BANKER

Trustmark National Bank

Mariam S. Mosavizahed has been promoted to Assistant Vice President at Trustmark’s corporate main office in Jackson. She holds a master of professional accountancy and master Mosavizahed of business administration from Jackson State University. Mosavizahed also holds a bachelor of business administration from the University of Mississippi. She is a Certified Fraud Examiner and Certified Internal Auditor. Mosavizahed has over eight years of audit experience.

John Shuff has been promoted to President at Trustmark’s corporate main office in Jackson. He earned a master of professional accountancy with a concentration in systems and holds a bachelor of professional Shuff accountancy from Mississippi State University. Shuff is a Certified Public Accountant with 18 years of banking experience.

Henr y Mounger has been promoted to First Vice President at Trustmark’s corporate main office in Jackson. He earned a master of business administration from Millsaps College and a bachelor of busi- Mounger ness administration with a concentration in banking and finance from the University of Mississippi. Mounger completed the Graduate School of Banking at LSU and the American Institute of Banking. He has 35 years of experience in the banking industry. LaRoy Savage has been promoted to Vice President at Trustmark’s Jackson Colony Park office. He earned a bachelor of business administration in accounting from Delta State University. Savage Savage has 10 years of banking experience.

Traditional banking, like that practiced by our member banks, is all about supporting our communities and our state – and making a difference in the lives of our customers. Help us tell this important story. Let us know about your bank’s involvement in civic and community activities. Send us information on what you are doing.

Scott Smith has been promoted to Assistant Vice President at Trustmark’s Hattiesburg office. He earned a bachelor of science degree from The University of Southern Mississippi. Smith has 10 Smith years of banking experience.

Ta m m y S n y d e r has been promoted to Compliance Officer at Trustmark’s corporate main office in Jackson. Snyder has 21 years of banking experience.

Help us spread the good news about banking

Please send articles, photos to rchew@msbankers.com or mail them to MBA at P.O. Box 37, Jackson, MS 39205-0037.

Snyder

Are your bankers on the move? Send your submissions to rchew@msbankers.com. NOVEMBER/DECEMBER 2015

MBA Classiﬁed Ads

THE MISSISSIPPI BANKER

BANK EXAMINER: The Depart-

ment of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. This is travel intensive examination work with the responsibility for conducting examinations of financial institutions. Duties include examination of a financial institution’s soundness, compliance with laws, and the preparation of reports of examination. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resume to Sam Hubbard, Director, Banking Division, at sam.hubbard@dbcf.ms.gov.

BRANCH MANAGER II/ CONSUMER LENDER: A com-

munity bank in Madison is seeking a branch manager/consumer lender. This individual will oversee branch staff including coordinating, planning and assigning work schedules, answering questions and solving problems posed by the staff, conducting evaluations, and motivating staff to meet performance levels. Provide service to customers seeking a consumer loan. Achieve and maintain required loan portfolio balance. Previous supervisory and consumer lending experience is required. Complete description and requirements at https://banksouthern. com/category/careers/. Interested candidates may contact Nancy Gann at nancy. gann@banksouthern.com.

local bank president. Candidates may submit confidential resumes to rchew@ msbankers.com.

CREDIT ANALYST: First Bank in Jack-

son is seeking a Credit Analyst with junior Commercial Lender Opportunities. This individual is responsible for analyzing financial statements and tax returns in order to determine the credit risk involved for large consumer and commercial credits. The bank is seeking a candidate that posses strong communication and analytical skills. This individual should also have a thorough understanding of personal and business financial statements and tax returns. A bachelor’s degree in either Accounting or Finance is required. Please send resumes to jonathant@firstbankms. com.

LOAN AND BUSINESS DEVELOPMENT OFFICER 2: A Central Missis-

sippi Bank is seeking a Loan and Business Development Officer for their Clinton location. The candidate should have at least five years of commercial lending and business development experience. The bank is seeking someone who has knowledge or experience in the Clinton/Hinds County market. Pay commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers.com.

MORTGAGE LOAN ORIGINATOR: The Citizens Bank of Philadelphia

COMMERCIAL/CONSUMER is seeking a Mortgage Loan Originator for LENDING OFFICER: A community a branch location in Hattiesburg, MS.

bank in the Meridian area is seeking a Commercial/Consumer Lender. Candidates should have a minimum of two to three years experience in commercial and consumer lending with knowledge of credit, compliance and loan documentation; Must have the ability to conduct business development calls promoting the bank in a positive manner; Participate and support local community events and activities; Must have strong computer and communication skills; Reports to 34

The position will be responsible for initiating, processing and closing residential mortgage loans in accordance with bank policies. Responsibilities include initiating loans with customers, completing applications and ensuring proper disclosures are made to borrower. The originator will evaluate borrower requests and ensure borrower is matched to appropriate mortgage types. This position works closely with attorneys, underwriters, relators and appraisers, as well as bank lending staff

THE MISSISSIPPI BANKER

on construction lending and recruiting new business. Other essential duties will include promoting the Bank by maintaining good customer relations and referring customers to appropriate staff for new services as well as representing the bank in the local community through active participation in community affairs. Prior experience in mortgage loan origination is required. We provide a wide range of employee benefits and compensation commensurate with experience. Please submit resumes to hr@tcbphila.com.

PRIVATE BANKER: A local commu-

nity bank seeks a private banker to work in a branch location to facilitate teller transactions for private banking clients/ customers, seek and engage loan and deposit clients/customers, facilitate contract signings and closings, comply with all applicable laws, assist in the collection and creation of paperwork for processing of deposit and loan operations, complete due diligence and basic paperwork on loan applications and new account customers, return phone calls and answer questions related to the preparation of customer documents in deposit and lending operations, maintain and service a high call volume of existing and potential clients/ customers, coordinate with Deposit and Loan Operations to ensure follow up of necessary documentation, ensure customer contact and satisfaction for all banking needs. Skills/Requirements: • Previous bank experience in lend ing and/or deposit operations • Previous experience in attorney loan closings and/or mortgage industry • PC proficiency and ability to use Microsoft products, such as Word and Excel • Ability to organize, multi task and meet deadlines • Well-developed interpersonal, communication and customer service skills • College experience is preferred Please send resume in strict confidence

MBA Classiﬁed Ads

THE MISSISSIPPI BANKER

to jobapp@megagate.com and/or apply at the local WIN Job Center. The company is an Equal Opportunity Employer (EOE). No applicant for employment with the Company shall be subjected to discrimination because of race, color, sex, national origin, religion, disability, age, reprisal for engaging in anti-discrimination activities, protected genetic information, sexual orientation or parental status.

SENIOR LOAN OFFICER: A com-

munity bank in Meridian is seeking a Senior Loan Officer. Successful candidates will have ten plus years of lending experience, preferably in commercial/real estate. Also a successful candidate will have experience in business development and the oversight of support staff. Seeking an individual who is a graduate of the Graduate School of Banking at LSU. Candidates with knowledge or experience in the Meridian market are preferred. Opportunity for advancement within 3-5 years. Candidates may submit confidential resumes to rchew@msbankers.com.

TRUST ASSOCIATE: A community

bank in central Mississippi is seeking a Trust Associate. This individual will be responsible for supporting the administration of trust accounts and performing daily trust system account data entry and balancing activities that meet established client service objectives. Duties will also include answering incoming client calls and assisting with any account inquiries, reconciling the trust accounting entries to the Bank’s GL accounts, performing data entry of approved account transactions, and other duties as assigned. College degree preferred or banking and/ or experience in Trust Operation and Administration. Successful candidates need to be proficient in MS Office. Must have the ability to take on multiple tasks simultaneously and manage them all effectively. Candidate must have excellent communication, written/verbal and interpersonal skills. Must have ability to work using own initiative. Must be accurate, diligent, and have good research

and problem solving skills. Must have a high degree of confidentiality. Candidate needs to have a thorough understanding of General Accepted Accounting Principles. Candidates may submit confidential resumes to rchew@msbankers.com.

HOW TO CONTACT US REGARDING A CLASSIFIED AD: Contact Rachel Chew, MBA, P.O. Box 37 Jackson, MS 39205. (601) 948-6366. rchew@msbankers.com

For more information on our Classiﬁed Ad Policy, please visit our website, www.msbankers.com.

The Mississippi Banker is required by the U.S. Postal Service to print the Statement of Ownership each year:

NOVEMBER/DECEMBER 2015

American Bankers Association THE MISSISSIPPI BANKER

Proud to Have Served America’s Hometown Bankers By Gov. Frank Keating, American Bankers Association President and CEO

Well before I began my tenure as president and CEO of ABA, I had a sense of the crucial role that banks play in their communities. I knew because when I was first running for governor of Oklahoma, I logged hundreds of Keating miles visiting towns in every corner of the state. And in each of those towns, the local bank shone like a beacon. It was always the best-maintained, most respectable facility on Main Street. To me, that was a symbol of hope and prosperity, a vote of confidence in the town’s future. After five years at ABA, I can tell you that my early impressions were spot on. Hometown banks -- and the good men and women who work for them -- are the biggest investors in their communities. They are the reasons for good things happening in cities and towns across the country. And it has been an honor to become part of such a noble profession. I leave my post proud of what we have accomplished together, and confident that ABA’s new leader, Rob Nichols, will continue to move our Agenda for America’s Hometown Banks forward. I have known Rob for several years and can vouch for his stellar credentials, policy background and established relationships with policymakers -- all of which will serve you and our industry well. The current policy environment – featuring a chaotic session of Congress and intimidation of thoughtful policymakers

who dare to consider corrections to the flawed Dodd-Frank Act -- often forces us to measure progress in inches, not miles. But every inch or section of a rule that we make more workable for banks and their customers -- as we did with several “qualified mortgage” provisions and other rules, such as Basel III and the Volcker Rule -- is important. And every chink we put in the armor of our government-subsidized competitors can help us in our long-term efforts to level the playing field. There’s no changing policy affecting banks without first changing the conversation about banks and the vital role they play in our economic ecosystem. That’s something we have done together. We have, for instance, put a real face on the industry with our America’s Hometown Banker ads, and we’ve made a point to tell policymakers how proposals affect not our banks or bottom lines, but our customers and communities. That’s putting it in language policymakers understand best -- and care about most. Of course, there is so much that remains on the industry’s to-do list. Dodd-Frank Act provisions, including the dreadful Durbin interchange amendment, have proved difficult to undo. But as I write this, ABA is working with the state associations on a no-holds-barred effort to persuade the Senate to pass regulatory relief. And we are continuing to press regulators to do what they can to tailor rules, making them appropriate for banks of different business models and risk profiles. One example: We have proposed to regulators -- and they seem receptive -that well-capitalized community banks be

exempted from complex Basel III capital calculations. The key to our future success is the same as it is today: banker engagement. Not that ABA and the state associations don’t play an important role in advocating for you. But when it’s time to cast a vote -- on a rule or a bill -- a policymaker is most likely to be persuaded by his or her constituents. That means they must hear from you. Regularly. I also urge you to engage at a broader political level. No doubt the 2016 elections will have a big impact on our industry. You can help shape the outcome of races by offering your time and talents to candidates, and by contributing to organizations like BankPac and the Financial Education and Advocacy Initiative, the 501(c)4 that ABA set up in 2012 to provide another avenue for banker political participation. Your continued engagement and partnership with your trade associations is a difference-maker. Please give them all you’ve got. The banking industry’s future is in your hands. As for my future, I will leave ABA on Dec. 31 proud of having served a whitehat industry and grateful for the chance to have worked with the industry’s finest leaders. Thank you for your support, and thank you for all you do for our great nation. © 2015 American Bankers Association. All rights reserved. Reprinted with permission.

2016 Women in Banking Conference Thursday, March 24 Marriott Hotel, Jackson 36

THE MISSISSIPPI BANKER

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