Banker THE MISSISSIPPI
VOLUME 101 • NUMBER 4 JANUARY/FEBRUARY 2017
The official publication of the Mississippi Bankers Association Rachel Chew • Editor
FOUNDED 1889
Volume 101 • Number 4 • January/February 2017
OFFICERS
Chairman Frank Sibley, Marks Vice Chairman Jerry Host, Jackson Treasurer Mary Childs, Ripley President McKinley W. Deaver, Jackson
BOARD OF DIRECTORS Terms Expiring 2017 Dennis Ammann, Mendenhall Greg Cronin, Biloxi Bobby Steinriede, Hollandale Mitch Waycaster, Tupelo James Wicker, McComb Terms Expiring 2018 Andy Anderson, Anguilla Hoppy Cole, Hattiesburg Arthur DuCote, Jackson Michael Dudley, DeKalb Moak Griffin, Columbus Frank West, Batesville Terms Expiring 2019 Steve Gresham, Holly Springs Eddie Hammond, Winona Dan Rollins, Tupelo Mark Tapp, Baldwyn Ex-Officio Members Frank Sibley, Chairman, Marks Jerry Host, Vice Chairman, Jackson Mary Childs, Treasurer, Ripley George Marx, Retiring Chairman, Hazlehurst Freddie Bagley, Preceding Chairman, Brandon
STAFF President ............................... McKinley W. Deaver Senior V.P., Operations .........................Amy Davis Senior V.P., Gov. 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
YOUNG BANKERS SECTION President. .................Kent Mortimer, Kilmichael Vice President. ..............Wes Rouse, Hattiesburg Treasurer ...............................Bob Glover, Ripley
Features
MBA Advocates at State Capitol................................................. 8 Bankers provide input on issues at annual membership meeting
ABA Government Relations Summit ........................................ 10 Event scheduled for March 20-22 in Washington, D.C.
Member Banks ....................................................................12-13
Mississippi banks unite through MBA
2017 MBA Women in Banking Conference ............................. 14 Fifth annual event set March 28 in Jackson
Mississippi Young Bankers Convention Preview ..................16-17 67th annual MYB meeting set for March 11-15
ON THE COVER:
A striking view of the House chamber in the State Capitol, Jackson
Departments From the President ..............................................................................................................2 Around the State ............................................................................................................. 3-6 Good Neighbors..................................................................................................................7 Webinars ...........................................................................................................................11 MBA Live Events ..............................................................................................................15 Bankers on the Move ................................................................................................... 18-20 Classified Ads .............................................................................................................. 22-23 American Bankers Association ...........................................................................................24 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
JANUARY/FEBRUARY 2017
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From the President
THE MISSISSIPPI BANKER
MBA begins 2017 on a mission By Mac Deaver, MBA President Every year at this time, the MBA is hopping with activity. Not only is the State Legislature is in town, we are busy preparing for our biggest events of the year – the Mississippi Deaver Young Bankers Convention in March, the Mississippi School of Banking in April, and the MBA Annual Convention in May. We also are involved in reviewing and preparing budgets as the end of the fiscal year approaches, as well as facilitating the process of electing new association leaders. This year, in addition to all of the “usual” stuff, the MBA staff is beginning implementation of our new strategic plan, approved last October by the MBA board of directors. Last summer, I wrote in this space about the work of our planning committee. That committee recommended the new strategic plan, which consists of 22 separate “action plans” designed to be completed within four years. I appreciate the good work of members of that committee – Frank Sibley, Jerry Host, Mary Childs, George Marx, Amy Davis and Gordon Fellows. Our strategic plan is designed to maximize the value of every bank’s membership in our association by increasing the efficiency of association operations, by improving our responsiveness to member bank needs, and by involving more banks and bankers in MBA decisions and activities. These strategic goals are embodied in all 22 of our action plans. Of course, the starting point for any successful plan is defining the mission. The board approved a revised MBA Mission Statement which states: The mission of the Mississippi Bankers Association is to promote a safe and success2
ful banking industry for the benefit of all member banks, all of their customers and communities, and for the enhancement of the state's economy. This Mission Statement is supplemented by a list of five primary objectives, the achievement of which is critical to fulfilling the mission. These key objectives are: • Education. Providing professional development programs and opportunities for bankers, as well as financial literacy education for all Mississippians. • Advocacy. Advocating for legislative and regulatory outcomes which will help member banks better serve their customers and economies. • Member Services. Supporting the delivery of products and services that provide meaningful, cost-effective support to MBA member banks. • Communications. Effectively communicating with member banks and serving as their principal voice in communicating with policymakers, the media and the general public. • Inclusion. Striving to include as many member banks and bankers as possible in association decisions and activities. As you might imagine, the final action plans address many different areas of our association’s organization and activities. To set things in motion, we have been working to prioritize the action plans,
THE MISSISSIPPI BANKER
define specific action steps, set clear timetables, and assign responsibilities to staff members. Many of the action plans begin with study and research to determine particular needs of our member banks. And a number of the specific plans will "overlap" to collectively help us achieve our strategic goals. It is somewhat misleading to refer to any part of our strategic plan as “final” because an important element of the plan is the continuous review by our staff and leadership. The MBA board of directors will receive a status report at every meeting, covering progress that has been made and results achieved, as well future timetables and goals. Importantly, the board will consider revisions to the strategic plan if it is determined that new or additional actions are needed. I have always said that any level of success the MBA achieves comes about through involvement of member banks and bankers. This is especially true as we implement our strategic plan. I encourage all bankers to respond to your association as we call for your participation and assistance. I know that you will answer the call and help us do great things for the future of the MBA. I look forward to hearing your ideas and working with you as we work to “make the best better”!
Mission Statement The mission of the Mississippi Bankers Association is to promote a safe and successful banking industry for the benefit of all member banks, all of their customers and communities, and for the enhancement of the state's economy.
Around the State
THE MISSISSIPPI BANKER
Former MBA Chairman Larry Pratt passes away Larry Joe Pratt, Sr., of Batesville passed away on Saturday, December 24, at the age of 77. A past chairman of the MBA, Pratt just this past May received his "50 Year Club" certificate at Pratt last year's MBA annual convention, signifying a half century of service to Mississippi banking. During his long career, spent entirely with First Security Bank (formerly Batesville Security Bank), Pratt was very active in the MBA. He served on the Legislative Committee and Board of Directors before being elected MBA Chairman in 1996. "Larry was a great friend of many in the Mississippi banking family, and he gave support to many of his fellow bankers, both professionally and personally," said MBA President Mac Deaver. "I always valued Larry's direct and honest advice. With him, what you saw was what you got, and I appreciated that." In the July 1996 issue of The Mississippi
Banker, in an article announcing his election as MBA chairman, Pratt expressed his philosophy of banking this way: "Banking is a unique industry -- one that is not only focused on providing an economic gain and benefit for its stockholders but also is committed to creating wealth and prosperity for its customers in the communities served. I have found that the level of success experienced in the board room can be tied directly to the level of success found in the businesses, churches, schools, hospitals and living rooms of the communities we serve." A true "community" banker, Pratt carried out this philosophy in the many civic leadership roles he held. He was a 1961 graduate of the University of Mississippi. After joining the bank as a teller (when the bank had one location), he ascended to lead the bank and ended his career as chairman of the board. Pratt enjoyed attending sporting events and traveling throughout the world. He was a member of the Batesville United Methodist Church. While most
people knew him as "Larry," he was known affectionately by a number of other names -- including Larry Joe, Mr. Pratt, Uncle Pete, Daddy and Papaw, to name just a few. Pratt was preceded in death by his parents, James and Viola Pratt; his wife of 49 years, Betty Siltman Pratt; his son James Ray "Jim" Pratt; and his brother James Robert Pratt. He is survived by his wife Brenda Henderson Pratt; his son Larry Joe Pratt Jr. (Denise) of Olive Branch; two daughters, Cheryl Kay Pratt Linder (David) of Meridian, and Beth Ann Pratt Dunlap (Michael) of Batesville; two brothers; a sister-in-law; nine grandchildren; and six great grandchildren. Services were held on Wednesday, December 28, at First United Methodist Church in Batesville Memorial gifts in lieu of flowers may be made to First United Methodist Church, 119 Panola Avenue, Batesville, MS 38606, or Pope Baptist Church, P.O. Box 1505, Pope, MS 38658.
Rev. E. Darnell Moffett joins PriorityOne board of directors PriorityOne Capital Corporation and PrioirtyOne Bank are pleased to announce that Rev. E. Darnell Moffett was elected to serve on the board of directors for both organizations. Rev. Moffett has an extensive background in the corporate world serving BP Amoco Corporation on an international basis from 1982 to 1999. In addition, he has been very involved Moffett in pastoring local churches including Calvary Missionary Baptist Church in Magee and Hopewell Baptist Church in Raleigh. He holds bachelor of science and master of science degrees in Physics from The University of Southern Mississippi. Additionally, Rev. Moffett earned an Associate’s Degree in biblical studies with the Gulf Coast Bible Institute and studied at the New Orleans Baptist Theological Seminary, Reformed Theological Seminary and the Houston Graduate School of Theology.
MBA Committees Planning for 2017 The MBA Trust Committee (pictured above) met Tuesday, January 31, to begin planning the 2017 MBA Wealth Management Conference. Trust and other MBA committees are busy planning their activities for the year. JANUARY/FEBRUARY 2017
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Around the State
THE MISSISSIPPI BANKER
Former MBA board of director member
Mary Ann Gray retires
After 42 years of dedicated service and leadership, Mary Ann Gray retired from BankFirst at the end of 2016. Gray has been executive vice president/chief finan- Gray cial officer at BankFirst since October 2010. During her career with the bank she also served as executive vice president/chief operating officer, and senior vice president/ comptroller. She is also a member of the board of directors of BankFirst and of its holding company, BankFirst Capital Corporation, having been elected to the board in 1992.
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Gray graduated summa cum laude with a bachelor of science degree from Mississippi State University and also holds a professional master of banking degree from the Graduate School of Banking at LSU. She is a graduate of the Bank Administration Institute at the University of Wisconsin-Madison, with a degree in community bank management with highest honors. Gray has served on the board of directors of the Mississippi Bankers Association, on the board of trustees for the MBA-sponsored Mississippi School of Banking and on the community bankers council of the American Bankers Association.
Jo Wylie Retires From Guaranty Bank After 41 Years Of Service (L to R): Bobby Steinriede, Jo Wylie and Hugh Townsend
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THE MISSISSIPPI BANKER
Around the State
THE MISSISSIPPI BANKER
Former MBA chairman Harry Walker retires Harry Walker retired on December 31, 2016, from Trustmark after 44 years of service. Walker will continue to serve as a member of Trustmark’s board of directors. Throughout Walker his career with Trustmark, he has served as President of Mississippi Business and Community Relations, Regional President for Central Mississippi, Chief Lending Officer, Real Estate Department Manager and Head of Municipal Investments. During his career, Walker steadfastly supported the Jackson Metro community
through his association in numerous organizations and events. Walker has served as a trustee for the Metro YMCA, as a member of the Dixie National Rodeo Association Sale of Champions Committee and on the executive committee for the Greater Jackson Chamber Partnership. He has also served on the boards of several organizations in Jackson, including Mississippi Baptist Health Systems, the Andrew Jackson Council of the Boy Scouts of America, Blue Cross & Blue Shield of Mississippi Foundation, Jackson Medical Mall Foundation, Mississippi Valley Title Insurance Company and Downtown Jackson Partners. He is also past chairman for numer-
ous associations, including the Metro YMCA, Mississippi Bankers Association, Metro Jackson Chamber of Commerce, Mississippi Museum of Art, Business and Industry Political Education Committee, United Way of the Capital Area, The Nature Conservancy and Junior Achievement of Mississippi. Walker earned a master of business administration from Mississippi College and an undergraduate degree from The University of Southern Mississippi. He also completed the Graduate School of Banking at LSU and the University of Oklahoma Graduate Commercial Lending School.
JANUARY/FEBRUARY 2017
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Around the State
THE MISSISSIPPI BANKER
Bob Shearer joins BankFirst Board of directors BankFirst Financial Services announced that Bob Shearer has joined the board of directors. Shearer was appointed at the institution’s November board meeting. A seasoned accounting professional, Shearer has spent his career in serving and assisting financial institutions of all sizes. Shearer “Bob Shearer offers BankFirst a depth of accounting knowledge with his extensive business experience in advising financial institutions in the South. We are pleased to have him join our board of directors,” said Moak Griffin, President and CEO of BankFirst. A Certified Professional Accountant, Shearer works at Smith Shellnut Wilson in Madison. A graduate of Mississippi State University, he earned his bachelor of science degree in mathematics and his master’s in business administration degree.
Directors Training Approximately 100 bank directors attend MBA "Hot Button" conference in Oxford and Hattiesburg. Pictured above is the Hattiesburg event held January 26.
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THE MISSISSIPPI BANKER
Good Neighbors
THE MISSISSIPPI BANKER
Hancock and Whitney Bank associates give back to Gulf South 'Hands In' initiative supports local communities
Throughout the month of November, associates of Hancock and Whitney Bank across the entire Gulf South went Hands In. As an extension of its Community Connection volunteer program which gives associates paid time off each year to give back to their communities, Hancock and Whitney Bank held a month-long initiative during National Philanthropy Month called Hands In. “Across our footprint, associates offered their hands and opened their hearts to people in need. We took time to care more, give more, and say thank you more. I believe it’s a testament to our core values that have carried us through more than a century of service to our Gulf South communities,” said John Hairston, President and CEO of Hancock Holding Company.
“Each of our core values is independent, interdependent, and important. Through Community Connection and Hands In volunteerism, associates everywhere donated valuable time and performed good deeds.” In following each market’s individual passions, associates were given the opportunity to work with countless nonprofit agencies, community initiatives
and organizations that share Hancock and Whitney Bank’s core values. Nearly 1,000 volunteer hours were logged, benefitting more than 70 organizations ranging from affordable housing, animal advocacy, financial literacy, health and human services and community development. These activities also qualified for an estimated 58 Community Reinvestment Act (CRA) credits. Community Connection and the Hands In initiative aims to strengthen the communities that Hancock and Whitney Bank associates call home by giving them the opportunity to unite together for one great purpose. The program allows associates to build a lasting impression and to give back generously and passionately to organizations that meet their regions’ unique needs.
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JANUARY/FEBRUARY 2017
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Government Relations
THE MISSISSIPPI BANKER
Membership guides MBA advocacy at State Capitol Over 50 officers of MBA member banks participated in the association's annual membership meeting to consider positions on state legislative issues. The meeting was held January 10 in the Trustmark Conference Center at the Mississippi Sports Hall of Fame and Museum in Jackson. MBA Chairman Frank Sibley presided over an agenda which included the reports from the MBA committees and staff on issues expected to be considered in the 2017 Regular Session of the Mississippi Legislature, which convened January 3. Assisting Sibley in leading the discussion were MBA Vice Chairman Jerry Host and Treasurer Mary Childs. Gordon Fellows and Mac Deaver of the MBA staff provided updates on legislative proposals and solicited input from bankers in attendance. Rhoshunda Kelly, Deputy Commissioner of the Mississippi Department of Banking and Consumer Finance, addressed the meeting and presented the
department's legislative agenda for 2017. Amount other things, she discussed a proposal to give DBCF authority to examine third party service providers of Mississippi banks. She also discussed the proposed DBCF budget that would be before the Legislature this session. At the beginning of the membership meeting, Deaver recognized representatives of firms that were MBA Program Partners in 2016. As Program Partners, these firms provided financial support to MBA educational events throughout 2016. Recognized as MBA Program Partners were BKD CPAs & Advisors, Deluxe Strategic Sourcing, Silas Simmons CPAs & Advisors, Stockett & Thomas Agency, and Watkins & Eager. Following the membership meeting, the MBA Board of Directors met to consider positions on a number of issues. Among positions adopted by the board was to support legislation designed to help banks in responding to tax levies and gar-
MBA officers lead the 2017 membership meeting. (L to R): MBA President Mac Deaver, Treasurer Mary Childs, Vice Chairman Jerry Host, and Chairman Frank Sibley.
nishment. Fellows and Craig Landrum, chairman of the MBA Bank Attorneys Committee, informed the board that the association had worked closely with the Mississippi Department of Revenue on this proposal. Bankers with questions or comments on legislative matters are encouraged to contact Fellows at the MBA office by telephone at (601) 948-6366 or by email at gfellows@msbankers.com.
Key Dates at the State Capitol
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The 2017 Regular Session of the Mississippi Legislature convened at the State Capitol on January 3. All legislation is subject to a schedule of deadlines for various actions. Listed here are major deadlines that apply to the consideration of general bills (which include most bank-related legislation) and revenue and appropriations bills (bills generating revenue or spending state funds). For more information, contact Gordon Fellows, MBA senior vice president-government relations, gfellows@msbankers.com or (601) 948-6366.
WEDNESDAY, FEBRUARY 22 Deadline for initial floor action on revenue and appropriations bills.
SATURDAY, MARCH 25 Deadline for filing conference reports on revenue/appropriations bills.
TUESDAY, FEBRUARY 28 Deadline for committee action on general bills originating in the opposite chamber.
MONDAY, MARCH 27 Deadline for conference reports on revenue/appropriations bills to be adopted; deadline for conference reports on general bills to be filed.
THURSDAY, FEBRUARY 9 Deadline for initial floor action on general bills.
THURSDAY, MARCH 23 Deadline to concur on amendments made to general bills by the opposite chamber.
WEDNESDAY, MARCH 8 Deadline for floor action on general bills originating in the opposite chamber. WEDNESDAY, MARCH 15 Deadline for initial floor action on revenue/appropriations bills originating in opposite chambers.
THE MISSISSIPPI BANKER
WEDNESDAY, MARCH 29 Deadline for initial floor action on conference reports on general bills. FRIDAY, MARCH 31 Deadline for adoption of conference reports on general bills. SUNDAY, APRIL 2 Scheduled adjournment of Session.
Government Relations
THE MISSISSIPPI BANKER
Nicholson succeeds Usher as MissBankPAC chairman; Hodo, Griffin elected to join committee In December, Leslie Usher concluded seven years as chairman of MissBankPAC, the political action committee sponsored by the Mississippi Bankers Association. Usher During Usher's tenure, MissBankPAC reached record levels in fundraising and involvement in state and federal elections. The PAC's state fund supported many successful candidates for Mississippi legislative and appellate judges seats. And MissBankPAC's federal fund regularly met Mississippi's fundraising goal with ABA BankPac, providing support to candidates to represent the state in the U.S. House and Senate.
Usher, who currently serves as chairman of Great Southern Bank, Meridian, has spent countless hours working closely with his committee and the MBA staff in overseeing the activities Nicholson of MissBankPAC. He has been active in the MBA for many years, having previously served on the MBA board of directors. His resignation from the PAC chairmanship comes as he moves toward retirement. On January 9, the MissBankPAC committee elected Chuck Nicholson, chief executive officer of Community Bancshares, Brandon, to succeed Usher as chairman. Nicholson has served on
the PAC for several years, and he has been heavily involved in raising funds and in evaluating candidates. Two other bankers were elected to position on the MissBankPAC committee on January 9. Allen Hodo of First State Bank, Waynesboro, will represent MBA Group 5 on the committee, and Moak Griffin of BankFirst Financial Services, Columbus, will represent Group 4. For more information on how they can be involved in MissBankPAC, bankers may contact Gordon Fellows, MBA Senior Vice President-Government Relations, who serves as the PAC's treasurer. Fellows can be reached by email at gfellows@msbankers.com or by telephone at (601) 948-6366.
WE ARE PLEASED TO ANNOUNCE THAT TRAVIS CLAYTON HAS BEEN PROMOTED TO A SHAREHOLDER. TRAVIS JOINED THE COMPANY IN 2012 AND IS THE FINANCIAL INSTITUTIONS PRACTICE LEADER.
2017 Committee Members Chairman: Chuck Nicholson, Community Bancshares, Brandon Committee Members: John Haynes, Farmers and Merchants Bank, Baldwyn Greg Taylor, Merchants and Farmers Bank, Holly Springs Jimmy Clayton, Planters Bank and Trust, Indianola Moak Griffin, BankFirst Financial Services, Columbus Allen Hodo,First State Bank, Waynesboro Andy Anderson, Bank of Anguilla, Anguilla Brad Jones, Bank of Franklin, Meadville Clay Wagner, Hancock Bank, Gulfport Max Yates, BankPlus, Ridgeland Owen Carty, State Bank and Trust, Ridgeland
(601) 948-2900 WWW.ROSSANDYERGER.COM JACKSON TUPELO BATON ROUGE NEW ORLEANS
Treasurer: Gordon Fellows, MBA
JANUARY/FEBRUARY 2017
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MBA Legislative Update THE MISSISSIPPI BANKER
Calling all Mississippi bankers! ABA Government Relations Summit March 20-22 in Washington, D.C. Mississippi bankers are encouraged to join hundreds of other bankers from across the nation in Washington, D.C., March 20-22, for the American Bankers Association’s Annual Government Relations Summit. This year's summit will occur as many major changes are under consideration in Washington. The ABA Government Relations Summit is the banking industry’s opportunity to ensure incoming lawmakers know the value of a strong banking industry. We need Mississippi bankers to show up in person, in force and ready to score some wins. Given the potential banks have for achieving much-needed regulatory relief, bankers are urged to make plans to attend the Summit in Washington and help make this the biggest Summit ever. The Summit begins on the afternoon of Monday, March 20, and concludes
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2017 ABA
GOVERNMENT R E L AT I O N S
SUMMIT
M A R CH 20-22
WASHINGTON, D.C. midday on Wednesday, March 22, with a reception. On Tuesday morning, March 21, attendees will have the opportunity to attend the “Dialogue with Regulators” session with senior officials of FDIC, OCC and other regulatory agencies. On Tuesday afternoon, Mississippi bankers in attendance will go to Capitol Hill for visits with our state’s Senators and Con-
THE MISSISSIPPI BANKER
gressmen. A group dinner for Mississippi attendees will be hosted by the MBA on Tuesday; details will be provided to all registrants. Keynote speakers for general sessions include Dorothy Savarese, ABA Chairman; Chris Wallace, award-winning Journalist and host of Fox News Sunday; Rob Nichols, ABA President and CEO; and Paul Mecurio, correspondent, Late Show with Stephen Colbert. This summit is sponsored by the ABA and supported by the 50 state bankers associations. The summit will be headquartered at the Washington Marriott Marquis in Washington. There is no registration fee to attend. To assure accommodations, bankers should register with ABA by March 7. Bankers may register online at www. aba.com or by calling 1-800-BANKERS.
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MBA Professional Development
Webinars
Training opportunities at your convenience
TUESDAY, FEBRUARY 21
THURSDAY, FEBRUARY 23
1:30 - 3:30 p.m.
Compliance Perspectives: A Monthly Update 1:00 - 2:00 p.m.
THURSDAY, MARCH 2
WEDNESDAY, FEBRUARY 22
Signature Card Danger Zones 1:30 - 3:30 p.m.
Achieving Unclaimed Property Compliance Best Practices for the Banking Industry 1:30 - 3:30 p.m.
Accounts Receivable and Inventory Financing
New BSA Officer Training 10:00 a.m. - 12:00 p.m.
WEDNESDAY, FEBRUARY 22 Servicemember Issues: The Military Lending Act & SCRA 1:30 - 3:30 p.m.
THURSDAY, FEBRUARY 23
Business Account Mapping: New CDD Rules in a Multi-Tiered Business Environment 10:00 a.m. - 12:00 p.m.
FRIDAY, FEBRUARY 24
Ransomeware and Cyber Extortion 10:00 a.m. - 12:00 p.m.
MONDAY, FEBRUARY 27 Overdraft Protection Programs 10:00 a.m. - 12:00 p.m.
Basic, Personal and Business Tax Return Analysis 1:30 - 3:30 p.m.
FCRA Review and Update 10:00 a.m. - 12:00 p.m.
FRIDAY, MARCH 3
Uniform Commercial Code Rules: How to Comply to Attach and Perfect Secured Transactions 10:00 a.m. - 12:00 p.m.
For MBA webinars, please visit www.msbankers.com/ calendar-of-events or call (601) 948-6366
JANUARY/FEBRUARY 2017
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MBA Member Banks
THE MISSISSIPPI BANKER
The Mississippi Bankers Association owes its success to the men and women associated with these member institutions: Amory Federal Savings and Loan Association Amory BancorpSouth Tupelo Bank of Anguilla Anguilla Bank of Benoit Benoit Bank of Brookhaven Brookhaven Bank of Commerce Greenwood Bank of Forest Forest Bank of Franklin Meadville Bank of Holly Springs Holly Springs Bank of Kilmichael Kilmichael Bank of Morton Morton Bank of Okolona Okolona Bank of Walnut Grove Walnut Grove Bank of Wiggins Wiggins Bank of Winona Winona
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THE MISSISSIPPI BANKER
Bank of Yazoo Yazoo City
Community Bank, Ellisville Ellisville
BankFirst Financial Services Columbus
Community Bank, North Mississippi Amory
BankPlus Ridgeland
Community Spirit Bank Belmont (Red Bay, AL)
BNA Bank New Albany
Concordia Bank & Trust Company Natchez (Vidalia, LA)
Cadence Bank, N.A. Starkville (Birmingham, AL)
Copiah Bank Hazlehurst
Charter Bank Biloxi
Covington County Bank Collins
Citizens Bank, Byhalia Byhalia
Delta Bank Vidalia, LA
Citizens Bank, Columbia Columbia
Farmers & Merchants Bank Baldwyn
The Citizens Bank, Philadelphia Philadelphia
First American National Bank Iuka
Citizens Bank & Trust Company Marks
First Bank McComb
Cleveland State Bank Cleveland
First Bank and Trust Biloxi (New Orleans, LA)
Commerce Bank Corinth
First Choice Bank Pontotoc
The Commercial Bank DeKalb
First Commercial Bank Jackson
Community Bank of Mississippi Brandon
First Federal Savings & Loan Association Aberdeen
Community Bank, Coast Biloxi
MBA Member Banks
THE MISSISSIPPI BANKER
First Financial Bank Carthage (El Dorado, AR)
The Jefferson Bank Fayette
First National Bank, Clarksdale Clarksdale
Liberty Bank & Trust Company Jackson (New Orleans, LA)
First National Bank of Picayune Picayune
Magnolia State Bank Bay Springs
First National Bankers Bank, Mississippi Ridgeland
Mechanics Bank Water Valley
First Security Bank Batesville First Southern Bank Columbia First State Bank, Holly Springs Holly Springs First State Bank, Waynesboro Waynesboro The First, A National Banking Association Hattiesburg FNB Oxford Bank Oxford Great Southern Bank Meridian Guaranty Bank & Trust Company Belzoni Hancock Bank Gulfport Holmes County Bank & Trust Co. Lexington Home Bank Natchez
Merchants & Farmers Bank Holly Springs Merchants & Marine Bank Pascagoula Merchants & Planters Bank Raymond Metropolitan Bank Ridgeland OmniBank Bay Springs Origin Bank Madison (Choudrant, LA) Oxford University Bank Oxford The Peoples Bank, Biloxi Biloxi Peoples Bank, Mendenhall Mendenhall The Peoples Bank of Ripley Ripley
Planters Bank & Trust Company Indianola PriorityOne Bank Magee Regions Bank Jackson (Birmingham, AL) Renasant Bank Tupelo Richton Bank & Trust Company Richton RiverHills Bank Port Gibson Southern Bancorp Bank Indianola (Arkadelphia, AR) State Bank & Trust Company Ridgeland Sycamore Bank Senatobia Tallahatchie County Bank Charleston Trustmark National Bank Jackson United Mississippi Bank Natchez Wells Fargo, N.A. Biloxi (Sioux Falls, SD)
Peoples Bank & Trust Company North Carrollton Pike National Bank McComb JANUARY/FEBRUARY 2017
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Fifth Annual MBA Women in Banking Conference Set for March 28 in Jackson The fifth annual MBA Women in Banking Conference is scheduled for Tuesday, March 28, at the Hilton Hotel in Jackson. “This conference has grown significantly since it began in 2013 with 40 bankers," said Amy Davis, MBA senior vice president of operations. "The MBA, has found that a conference of this type can effectively address topics from a female perspective. As women, we all wear many hats and learning to balance all of the hats is half the battle.” Robin Sanderson, Citizens Bank, Columbia, chairs the committee of bankers that has planned this year's conference. Registration will begin at 8:30 a.m., and the conference will start at 9:00 a.m. Lunch will be provided for all attendees. Sanderson will preside over the conference’s opening session, which will begin with remarks by Mississippi Governor Phil Bryant, followed by a networking game of "People Bingo". Guest speakers include Certified Speaking Professional Mandi Stanley. Stanley's presentation is entitled, "HairOn-Fire!" Presentation Skills: Best Practices for Establishing Your Executive Presence. Stanley has more than 16 years of experience working with business leaders to
boost their professional perforWomen in Banking Conference mance and image. Planning Committee Following Stanley, attorney LaToya Chair: Robin Sanderson, Citizens Bank, Columbia Merritt of Phelps • Rebecca Barrentine, Copiah Bank, Hazlehurst Dunbar will be the • Deborah Bryant, Community Bank, Brandon luncheon speaker. • Kristy Davis, First State Bank, Waynesboro Dunbar practices • Monica Day, Trustmark National Bank, Jackson in the area of labor • Myra Dunlap, Guaranty Bank & Trust, Belzoni and employment • Tracy Goforth, First Security Bank, Batesville with a focus on • Eliza Henderson, First National Bankers Bank, Civil Rights and Ridgeland Title VII, as well • Alice Herbison, Bank of Benoit, Benoit as the Age Dis• Dee Dee Lowery, The First, A National Banking crimination in Association, Hattiesburg Employment Act, • Lorann McInnis, Magnolia State Bank, Bay Springs the Americans • Gee Gee Patridge, BankPlus, Ridgeland with Disability Act • Tammy Phillips, Community Bank, Brandon and the Fair La• Pam Ware, The Metropolitan Bank, Ridgeland bor Standards Act. Author and professional speaker Janie Walters will close out the conference with two presentations registrant. Registration materials have entitled, Blow a Bubble, Not a Gasket and been distributed to all MBA member Put Your Best Foot Forward...Your Body banks. For more information or asWill Follow. Walters is the founder and sistance, please visit our website, www. CEO of Champion Communications and msbankers.com. You may also contact is the author of three books. Lori Richardson, MBA programs manRegistration for employees and direc- ager, at (601) 948-6366 or lrichardson@ tors of MBA member banks is $275 per msbankers.com.
2017 Women in Banking Conference March 28
Hilton Hotel, Jackson For conference information & to register, please visit
www.msbankers.com
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THE MISSISSIPPI BANKER
MBA Professional Development
Live Events
Opportunities to interact face-to-face with expert instructors and peer bankers
FEBRUARY 14-15
BSA/AML SEMINAR
23-24
2017 LENDING CONFERENCE
MARCH
Hilton Hotel, Jackson Who Should Attend: The program is designed for personnel who have responsibility for maintaining or auditing Bank Secrecy Act compliance efforts. Hilton Hotel, Jackson Who Should Attend: The program is designed for personnel who have responsibility for maintaining or auditing Bank Secrecy Act compliance efforts.
11-15
MISSISSIPPI YOUNG BANKER CONVENTION
16
REG E SEMINAR
20-24
ABA CRCM BOOTCAMP (co-sponsored by MBA)
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2017 WOMEN IN BANKING CONFERENCE
Marriott’s Grand Hotel, Point Clear, AL Who Should Attend: Emerging leaders in Mississippi banks
Embassy Suites, Ridgeland Who Should Attend: The program is designed for CEOs, Compliance Officers, Compliance Personnel, Risk Officers, and Operations Officers. Barrett Training Center, Nashville, TN Who Should Attend: Compliance professionals with foundational knowledge of core federal banking laws and regulations who plan to sit for the CRCM Exam. Program is designed to polish existing knowledge and is not for beginners.
Hilton Hotel, Jackson Who Should Attend: This conference will present banking and leadership topics from the perspective of the female banking professional. It is designed to provide attendees with tools for career enrichment, along with the opportunity to network with peers in the Mississippi banking community.
For more information about MBA live events, please visit www.msbankers.com /calendar-of-events or call (601) 948-6366 JANUARY/FEBRUARY 2017
15
nual study conference & convention
d Hotel • Point Clear, AL • march 11-15, 2017 For Convention Registration, Tentative Convention Schedule and more information, please visit MBA website, www.msbankers.com/mybconvention
neW! CEO Panel - Monday, March 13
Frank Sibley MBA Chairman Citizens Bank & Trust Co. Marks
Jerry Host MBA Vice Chairman Trustmark National Bank Jackson
Jimmy Clayton Former MBA Chairman Planters Bank & Trust Company Indianola
Bill Sones Former MBA Chairman Bank of Brookhaven Brookhaven
General Session Speakers
Lieutenant Colonel Robert Darling In the President's Bunker on 9/11
Cam Marston Workplace Generational Expert
Will Tustin Economic Forecaster with Federated Investors
Annual Banquet - childcare added NEW! This year, the MYB will offer child care services in the conference center during the Tuesday night
banquet for ages 0-12. Child care will be in the same conference center in which the banquet will take place. This is a convenient option for parents wishing to attend the banquet, but who also want to be able to checkin on their children during the evening. Those interested in childcare for Tuesday’s Annual Banquet should contact Brooke McCoy at bmccoy@msbankers.com or by phone at 601-948-6366. Please contact Brooke at least 2 weeks prior to the convention to book your childcare for Tuesday night. (Fees and other requirements do apply.) JANUARY/FEBRUARY 2017
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Bankers on the Move
THE MISSISSIPPI BANKER
Cleveland State Bank
BankFirst Financial Services Josh Oller has been promoted to Vice President/Credit Analyst Manager. He holds a bachelor and master's degree in business administration from Mississippi State Oller University. Oller is a graduate of the Mississippi School of Banking. He has five years of experience in the financial services industry.
The Citizens Bank, Philadelphia Ma r i o n B oyd h a s joined The Citizens Bank, Philadelphia, as a Vice President and Regional Commercial Lender in the bank's loan production office in Oxford. He is a Boyd graduate of the University of Mississippi with a bachelor's degree in business administration. Boyd has over 38 years of commercial lending experience. Bobby Little has joined The Citizens Bank, Philadelphia, as Vice President and Regional Commercial Lender in Starkville. He is a graduate of Mississippi State University. Little Little has over 24 years of commercial lending experience.
Cleveland State Bank Susan Morgan has been promoted to Vice President - Regulatory Oversight/Compliance Manager. She earned a bachelor of business administration degree from Morgan Delta State University. Morgan has over 20 years of banking experience. 18
Ashley Williams has been promoted to Assistant Compliance Officer and Audit Coordinator. She earned a bachelor of business administration degree from Mississippi Williams College.
Community Bank of Mississippi
Community Bank, North Mississippi Charles Ford Moore, Jr., has been named President, Shelby County Division. He is a graduate of Delta State University with a bachelor of science degree in accounting. Moore Moore is also a graduate of the Barret School of Banking and the Graduate School of Banking at LSU.
Marc Petro has been promoted to Executive Vice President and the Hinds/Madison County Division Manager. He is a graduate of Mississippi State University with a Petro bachelor of business administration degree. Petro is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He has over 15 years of banking experience. Petro currently serves on the Mississippi Young Bankers council as Councilman At Large.
James D. Osbirn has been named President, Tupelo/Lee County Division. He graduated from Mississippi State University with a bachelor of science degree in InterdisOsbirn ciplinary Studies. Osbirn is also a graduate of the Mississippi School of Banking, Southeastern School of Commercial Lending and Southeastern School of Advanced Commercial Lending. He has over 14 years of banking experience.
Community Bank, North Mississippi
Kay Dowdy has joined the Mortgage Division as Assistant Vice President/ Mortgage Assistant in the Hattiesburg Mortgage Office.
D a v i d Di x o n h a s joined Community Bank's Mortgage Division as a Mortgage Loan Originator in the bank's Oxford office. He is a graduate of the University of MissisDixon sippi with a bachelor of arts. Dixon is also a graduate of the Mississippi School of Banking. He has over 20 years of experience in the financial services industry.
THE MISSISSIPPI BANKER
First Bank, McComb
2017 Lending Conference February 23-24 Hilton Hotel, Jackson www.msbankers.com
Bankers on the Move
THE MISSISSIPPI BANKER
First Bank, McComb Matt Root has joined First Bank as Vice President, Commercial Lending. He is a graduate of the University of Mississippi with a bachelor of business administration degree in Root banking and finance. Root has 15 years of banking experience. Jeremy Winborne has joined First Bank as Vice President of Commercial Lending in Brookhaven. He is a graduate of Mississippi State University with degrees in banking and finance and real estate finance.
First State Bank, Waynesboro Heather Owen has been promoted to Payroll Manager/Officer. She is a graduate of Jones County Junior College and is a Certified Payroll Professional through American Owen Payroll Association. Owen has seven years of banking experience.
Great Southern Bank Danielle Freeman has been promoted to Branch Officer of the Enterprise branch. Freeman began her banking career with Great Southern Bank in 2004.
Guaranty Bank & Trust Company
Trustmark National Bank
Addison Lawrence has been promoted to President in Senatobia. He earned his bachelor's degree in risk management, insurance and financial planning and his Lawrence master of science degree in workforce education leadership from Mississippi State University.
PriorityOne Bank J. Scott Barnes has been promoted to Assistant Vice President/ Loan Officer. He graduate from The University of Southern Mississippi with a bachelor's degree Barnes in accounting and MIS. Barnes is also a graduate of the Mississippi School of Banking. He has over six years of banking experience. Tina Barnes has been promoted to VP/Loan Processing Manager. Barnes has 17 years of experience in the banking industry. Beth Herring has been promoted to Assistant Vice President/Assistant BSA Officer/Teller Administrator. Herring has over 14 years of experience in banking.
Kristin McDonald has been promoted to Branch Officer of the Decatur branch. She is a graduate of East Central Community College. McDonald has 17 years of banking McDonald experience.
Jim Brown has been promoted to First Vice President at Trustmark's corporate headquarters in Jackson. He earned a bachelor of science degree in mathematics from The Brown University of Southern Mississippi. Brown has 16 years of banking experience. Heath Carpenter has been promoted to Information Technology Officer at Trustmark's corporate headquarters in Jackson. He earned a master of business adCarpenter ministration degree from Mississippi College and a bachelor of science degree in computer information systems from Louisiana Tech University. Carpenter has 11 years of experience in information technology systems.
Herring
Trustmark National Bank Freeman
Stephanie Baldwyn has been promoted to Assistant Vice President at Trustmark's Tupelo Fairpark Crossing office. She earned an associate of arts degree in secondary Baldwyn education from Itawamba Community College. Baldwyn has 13 years of banking experience.
Toney Allen has been promoted to Assistant Vice President as Trustmark's Jackson Mall office. She attended Phoenix University - Western International University, Allen Jackson State University and Draughton's Business College. Allen has 27 years of banking experience.
Taylor Chapman has been promoted to Assistant Vice President at Trustmark's Meridian Main office. She earned a bachelor of business administration degree in Chapman business management from the University of Memphis. Chapman has 14 years of banking experience.
JANUARY/FEBRUARY 2017
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Bankers on the Move
THE MISSISSIPPI BANKER
Trustmark National Bank
Trustmark National Bank
Trustmark National Bank
Heather Clark has been promoted to Credit Card Officer at Trustmark's corporate headquarters in Jackson. Clark has 15 years of banking experience with Trustmark.
Bobbie McCowan has been promoted to Assistant Vice president at Trustmark's Laurel Main office. She earned an associate of arts degree in business from Jones McCowan County Junior College and attended The University of Southern Mississippi. McCowan has 18 years of banking experience.
Bethany Powell has been promoted to Assistant Vice President at Trustmark's Gulfport Mortgage office. She earned a bachelor of science degree in psychology Powell from The University of Southern Mississippi. Powell has over six years of combined mortgage and banking experience.
Natasha Oatis has been promoted to Assistant Vice President at Trustmark's Hattiesburg Turtle Creek office. She earned a bachelor of arts degree in management Oatis from Ashford University. Oatis has 16 years of banking experience.
Marsdon Scarbrough has been promoted to Risk Officer at Trustmark's corporate headquarters in Jackson. He earned a bachelor of business administration degree in Scarbrough banking and managerial finance from the University of Mississippi. Scarbrough has over three years of banking experience.
Sandy Cox has been promoted to Assistant Vice President at Trustmark's Gulfport Mortgage office. She earned a bachelor of science degree in general studies from WilCox liam Carey University and an associate of arts in interior design from Northeast Mississippi Community College. Cox has 25 years of combined real estate and mortgage lending experience. Janelle Johnson has been promoted to First Vice President at Trustmark's corporate headquarters in Jackson. Johnson has 29 years of experience in human resources.
Johnson
Scott King has been promoted to Community Market President at Trustmark's Tylertown Main office. He earned a bachelor's degree from The University of SouthKing ern Mississippi and an associate's degree from Copiah-Lincoln Community College. King is a graduate of the Mississippi School of Banking and has 17 years of banking experience. Holly Lewis has been promoted to Customer Experience officer at Trustmark's corporate headquarters in Jackson. She earned a bachelor of business administration Lewis degree in marketing from Mississippi State University. Lewis has three years of banking experience. 20
Stephanie Parker has been promoted to Assistant Vice President at Trustmark's corporate headquarters in Jackson. Parker has 18 years of mortgage lending experiParker ence. Tiffany Pitts has been promoted to Risk Officer at Trustmark's corporate headquarters in Jackson. She earned a master of business administration degree from William Pitts Carey University and a bachelor of science degree in business administration with a concentration in banking and finance from The University of Southern Mississippi. Pitts has over eight years of banking experience and is a Certified Fraud Examiner.
THE MISSISSIPPI BANKER
Karen Thornton has been promoted to Branch Officer at Trustmark's Castlewoods office. Thornton has 16 years of banking experience. Thornton
New Hires, Promotions?
m Send your submissions to rchew@msbankers.com
MBA Officers and Board of Directors 2016-17 CHAIRMAN
VICE CHAIRMAN
Frank Sibley Citizens Bank and Trust Co. Marks Preceding Chairman
George Marx Copiah Bank Hazlehurst
Jerry Host Trustmark National Bank Jackson
Retiring Chairman
At Large
Dan Rollins BancorpSouth Tupelo
Freddie Bagley Community Bancshares of MS Brandon
Group 1
Group 2
Mark Tapp Farmers & Merchants Bank Booneville
Michael Dudley The Commercial Bank DeKalb
At Large
Group 1
Dennis Ammann Peoples Bank Mendenhall
Arthur DuCote Regions Bank Jackson
Mitch Waycaster Renasant Bank Tupelo
Group 3
Frank West First Security Bank Batesville
Group 6
Group 4
Group 4
Bobby Steinriede Moak Griffin Guaranty Bank & Trust BankFirst Financial Services Hollandale Columbus
Group 7
Andy Anderson Bank of Anguilla Anguilla
Mary Childs The Peoples Bank Ripley
At Large
Group 2
Steve Gresham Bank of Holly Springs Holly Springs
Group 5
TREASURER
James Wicker
Pike National Bank
McComb
Eddie Hammond Bank of Winona Winona
Group 8
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 Sr. Vice President Govt. Relations
Lori Richardson Programs Manager
Brooke McCoy Marketing Manager
Gail Sykes Business Manager
Sherell Taylor Manager of Ins. Services
Rachel Chew Manager of Communications
JANUARY/FEBRUARY 2017
21
American Bankers Association THE MISSISSIPPI BANKER
A Winning Game Plan for 2017
By Rob Nichols, American Bankers Association President and CEO
To say the 2016 election changed the outlook for banking policy is something of an understatement. It fundamentally altered the landscape and set the stage for a potentially very productive Nichols year in Washington. That’s not to say there won’t be challenges. Here’s what bankers hoping for meaningful regulatory relief need to know. With a Republican House, Senate and White House, odds of pro-growth legislation being enacted are significantly increased but not guaranteed. For any bill to succeed, it will need 60 votes in the Senate. That means bipartisan support — and strong grassroots engagement by bankers — is essential. That said, it’s clear our industry will be starting 2017 with our advocacy efforts closer to the 50-yard line than our own 5-yard line. This greatly improves our odds of scoring important successes for economic growth. The outlook is also positive on the regulatory side, where new leadership at the banking agencies will provide many significant opportunities to improve banking conditions. The Trump administration will have the task over the next several months of appointing new heads of the OCC (Comptroller Tom Curry’s term expires in March), FDIC (Chairman Marty Gruenberg’s term expires in November), Federal Reserve Board (Janet Yellen’s term as chair expires in February 2018) and the Consumer Financial Protection Bureau (Director Richard Cordray’s term expires in July 2018). ABA will work collaboratively with the new leadership at these and other key regulatory agencies as we seek to reform and modernize the regulatory system itself. Of course, the agenda in Washington will be very crowded, and we’ll need to 24
work together to make sure our policy priorities get — and stay — on Congress’ radar. It helps that our priorities are geared toward helping our customers, clients and communities thrive, a goal that clearly aligns with lawmaker concerns. In fact, when ABA’s Government Relations Council leadership and Board of Directors met in December, the bankers discussed the value of advocating not just much-needed changes like mortgage lending regulatory relief and simpler capital rules, but also policy solutions that are less parochial in nature and help the economy grow. These include ways to help those with heavy student debt, urban housing solutions and a stronger Small Business Administration. The council and board members agreed that it made sense to embrace such big-picture issues given the role bankers play as community leaders and economic stewards. It’s even more important that the policy positions we advocate are positive and forward-looking, and tell the story of what banks are for, not what we are against. We are for economic growth. We are for job creation. We are for prosperity for our communities. Such optimism drives our industry, and it’s what should drive our advocacy, too. It’s far more compelling than an anti-this, anti-that platform. So how can we best take advantage of the more favorable legislative and regulatory climate to ensure our “Blueprint for Growth,” as we are referring to our policy priorities, is advanced? The single most important way is for you and bankers like you to actively engage at the grassroots level. That means working closely with your state bankers association to ensure your state’s lawmakers — whether they are newly elected freshmen or seasoned politicos — are hearing from you and your colleagues early and often. It also means showing up in force at this year’s ABA Government Relations
THE MISSISSIPPI BANKER
Summit, March 20-22 in Washington. This event is the largest industry meeting in our nation’s capital, with around 1,000 bankers with a range of titles and responsibilities attending each year. Given all that is at stake this year, I hope we will double that number. This simply must be our largest and best attended Summit ever. To that end, if you’ve attended the Summit before, please come again and bring a colleague. And if you’ve never attended the Summit before, make this your year to start. (Find out more at aba. com/Summit.) The 2016 election was a game-changer in many ways, but there’s one thing that remains the same: it will take the help of bankers from the C-suite to the tellers on the front lines to move the ball down the field and score meaningful legislative victories. © 2017 American Bankers Association. All rights reserved. Reprinted with permission.
We’re Building A Strong Foundation 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
The Foundation is a 501(c)(3) non-profit corporation and is eligible to receive taxdeductible contributions. Please consult your tax advisor to determine the tax deductibility of your gift.
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