The Mississippi Banker - Sep Oct 2017 by The Mississippi Banker Magazine

Banker THE MISSISSIPPI

SEPTEMBER/OCTOBER 2017 VOLUME 102 • NUMBER 2

A BANKER IN EVERY CLASSROOM October 30 - November 3, 2017

Also in this issue: • • • •

MBA standing committees for 2017-18 Enrollment open for Mississippi School of Banking 2017 MBA Washington Visit MYB Annual Leadership Conference, Golf Tournament

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The official publication of the Mississippi Bankers Association McKinley W. Deaver • Editor

FOUNDED 1889

Volume 102 • Number 2 • SEPTEMBER/OCTOBER 2017

OFFICERS

Chairman Jerry Host, Jackson Vice Chairman Mary Childs, Ripley Treasurer Greg McKee, Philadelphia President McKinley W. Deaver, Jackson

BOARD OF DIRECTORS 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 Terms Expiring 2020 Shannon Akers, Brookhaven Shane Clayton, Pontotoc Alan Hargett, Indianola Gee Gee Patridge, Ridgeland Danny Whalen, Cleveland Ex-Officio Members Jerry Host, Chairman, Jackson Mary Childs, Vice Chairman, Ripley Greg McKee, Treasurer, Philadelphia Frank Sibley, Retiring Chairman, Marks George Marx, Preceding Chairman, Hazlehurst

Features MBA hosts CDFI conference...................................................... 4 55 bankers from region participate

Enrollment open for Mississippi School of Banking.................6-7 48th session of MBA school set for April 8-14, 2018

2017 MBA Washington Visit...................................................8-9 Mississippi bankers make annual trip to nation's capitol

'A Banker in Every Classroom'.............................................10-12 MBA’s financial education program launches 7th year

MYB Leadership Conference, Golf Tournament...................14-15 Annual events attract over 150 bankers

MBA Standing Committees.................................................18-21 Bankers named to serve in 2017-18

Departments From the President...............................................................................................................2 Around the State.............................................................................................................. 3-5 MBA Live Events...............................................................................................................16

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 Manager of Insurance Services..........Sherell Taylor Business/Accounting Manager....... Shannon Hennen

Webinars............................................................................................................................22 Bankers on the Move.................................................................................................... 24-25 MBA Job Bank............................................................................................................. 26-27 American Bankers Association............................................................................................28

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.

YOUNG BANKERS SECTION President........................Wes Rouse, Hattiesburg Vice President........................Bob Glover, Ripley Treasurer.......................... Marc Petro, Ridgeland

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 SEPTEMBER/OCTOBER 2017

From the President THE MISSISSIPPI BANKER

Hometown Heroes

Making a difference through financial literacy By Mac Deaver, MBA President Ti n a Ba l l . Je rome Brown. Chris Estrade. Tracy Goforth. Clayton Legear. Pam Hawks. Dexter Haynes. Harvey Lott. Chase McPherson. Sandra Murray. Chris Deaver Roberts. Lacey Wheeler. These bankers recently received special recognition from the MBA and Mississippi Young Bankers for their above-and-beyond efforts in delivering financial literacy training in schools and communities across the state. These 11 Mississippi bankers are leaders among the hundreds who continuously seek to help educate students and others on personal finance. Each of them was recognized for their work over the past year in making classroom presentations in the MBA's "A Banker in Every Classroom" program and for coordinating financial education efforts as MYB county chairmen. (They were honored at the MYB Leadership Conference in Jackson on September 21. See pages 14-15 of this magazine for a full report on the MYB Leadership Conference.) In just six years, "A Banker in Every Classroom" has brought teachers and bankers together to make presentations before more than 100,000 students in Mississippi schools. The program has proven effective in delivering personal finance education in grades K through 12. Importantly, it has fostered positive relationships between local bankers and educators, resulting in increased activity year after year. MYB, established in 1950, has focused on financial education for decades. The MYB network of bankers across Mississippi supports BIEC and helps encourage 2

and organize bankers in all 82 counties. Mississippi banks and bankers have increasingly come to recognize the importance of educating our state's citizens – particularly students – in personal finance. Virtually all Mississippi banks engage in financial literacy training – independently and/or through MBA, MYB and other programs. The value of such education can hardly be overstated. It can be life-changing for students,

Financial education can be life-changing for students, leading to brighter futures for them, their families and their communities.

mote entrepreneurship, and even spur students’ interest in banking as a career. The bankers honored on September 21 are making a difference in their hometowns of Baldwyn, Batesville, Bude, Columbia, Columbus, Greenville, Gulfport, Hattiesburg, Pascagoula, Seminary and Senatobia. But their work has an impact far and wide – and will for a long time to come. I am proud, and thankful, that Mississippi bankers at “all points in between” are equally engaged in this important effort. Congratulations to these bankers and many others – and to their institutions – for helping meet this critical need in our state. I encourage all bankers – and teachers – to join together again October 30-November 3 when “A Banker in Every Classroom” kicks off its seventh year in making a difference in the lives of Mississippi students.

leading to brighter futures for them, their families and their communities. Do banks benefit from these efforts? You bet. Bankers know that banks succeed when their customers and communities do. And improving financial literacy is one of the best ways to help make this happen! Additionally, by engaging young people and helping them to better understand personal finance, bankers help students understand the personal side of banking and its importance to the community. In Mississippi Young Bankers President Wes Rouse presents a plaque the process, this ex- to Chris Estrade of Hancock Bank, recognizing Estrade as the perience can develop MYB Statewide County Chairman of the Year. The award honors better customers, pro- Estrade for outstanding leadership of financial literacy efforts.

THE MISSISSIPPI BANKER

Around the State THE MISSISSIPPI BANKER

MBA hosts annual Communications Conference The MBA Communications Council and Chairman Diedre Barret, Guaranty Bank & Trust, Belzoni, recently hosted the annual MBA Communications Conference in Ridgeland. Bankers from across the state attended the two-day conference. Speakers included: •

•

Robin Robinson, Director of Organization Development & Corporate Communication, Sanderson Farms, speaking on millennial generations; Scott Gray, Director, Digital & Maraketing Compliance, Ally Bank, speaking about marketing compliance; and D a v e D e Fa z i o , Pa r t n e r, Strategy Corp., speaking on Venmo technology.

Shannon Hennen joins MBA staff as Business/ Accounting Manager Shannon Hennen has joined the MBA staff as Business/Accounting Manager. In this position, Shannon manages accounting functions, generates and monitors financial Hennen reports and budgets, and coordinates internal accounting procedures. Her work supports the MBA affiliated activities, including Mississippi Young Bankers, MBA Education Foundation, Mississippi School of Banking, and sponsored and endorsed programs. Hennen recently moved to Mississippi from St. Cloud, Minnesota, where she previously held accounting positions with three different companies. She is an accounting graduate of St. Cloud Technical College. Shannon and her husband, Jason, reside in Clinton with their three children, Chelsie, Laura, and Isaac. She can be reached at shennen@msbankers.com.

Conference attendees networked with exhibitors Mississippi Home Corporation, MPrints, inc. & Mitchell Signs during conference breaks and enjoyed a special event at Anjou Restaurant with The Detectives Murder Mystery theatre. This year’s conference also included a Promotional Products Show, and attendees were encourRobin Robinson, Director of Organization Development & aged to bring promotional Corporate Communication for Sanderson Farms, spoke to items from their banks. conference attendees about millennial generations. The MBA Communications Council wishes to thank these MBA Associates, Deluxe Strategic Sourcing, FISProgram Partners for their sponsorship trategies, Silas Simmons, Servis1st Bank, of the 2017 Conference: BKD, Crews & Stockett & Thomas, and Watkins & Eager.

MBA to add digital, online version Of Mississippi Bank Directory in 2018 The MBA has entered into an agreement to produce and distribute a digital Mississippi Bank Directory in early 2018, in addition to the print version which will remain available. Mac Deaver, MBA president, announced that the association has entered an agreement with BankNews Media to produce the 2018 directory, scheduled for distribution in February. Banks are currently receiving communications from BankNews Media seeking bank information for inclusion in the directory. "We appreciate banks cooperating in providing accurate information for the directory," he said. "The MBA is working with our members in this process." The digital directory will be available in CD format and also online, Deaver said. The Mississippi Bank Directory is

a reference guide providing informaCOMING tion on the MBA SOON leadership and staff, state and federal regularity agencies, government officials including the U.S. Congress and State Legislature, other industry trade associations. It also includes a guide to MBA Affiliates offering a wide array of products and services to Mississippi banks. The directory has limited advertising, which is offered exclusively to MBA Affiliates. Bankers may contact Amy Davis, MBA Senior Vice President, Operations, for more information on the 2018 Mississippi Bank Directory - or if they need assistance in providing information for the directory.

SEPTEMBER/OCTOBER 2017

Around the State THE MISSISSIPPI BANKER

MBA hosts Southern States CDFI Conference; 55 bankers from region attend first-time event Fifty-five bankers from Mississippi, Arkansas and Louisiana participated in the Southern States CDFI Conference hosted by the Mississippi Bankers Association on August 24 in Jackson. This first-of-its-kind conference hosted by the MBA was organized at the suggestion of a number of Mississippi CDFI banks that expressed interest in an educational and networking event for CDFIs in Mississippi and the region. Mississippi has the largest number of CDFI banks of any state, and there is also a concentration of CDFIs in surrounding states. The Arkansas and Louisiana bankers associations assisted the MBA in marketing the conference. Jeannine Jacokes, CEO of the Community Development Bankers Association in Washington, D.C., opened the conference with a presentation about the impact of the political environment in Washington on the CDFI industry. Her remarks covered the potential budget for the CDFI fund going forward, as well as potential allocation levels for the Bank Enterprise

Max Yates of BankPlus (right) moderated a panel discussion during the Southern States CDFI Conference. From left, panelists were Saurabh Narain of National Community Investment Fund; Ben Sones of FI Strategies Group; Craig Landrum of Jones Walker law firm; and Jeannine Jacokes of Community Development Bankers Association.

Award (BEA) and Financial Assistance (FA) Award. She also discussed the importance of U.S. Senator Thad Cochran, as Chairman of the Senate Appropriations Committee, in the budget process. Holly Logue and Ben Sones of Financial Institution (FI) Strategies Group, LLC, in Ridgeland made a presentation in the morning session about best practices in achieving and maintaining

CDFIs in Mississippi

CDFI certification, as well as applying for BEA awards and FA awards. The National Community Investment Fund (NCIF) sponsored the conference luncheon. Following lunch, Saurabh Narain, CEO of NCIF, and Aileen Thomas of the Jones Walker law firm presented on how southern banks can utilize new market tax credits. Other afternoon presentations included NCIF covering the value of CDFI banks collecting and utilizing social impact data as a marketing tool, and Ms. Jacokes leading a discussion of the Capital Magnet Fund. The conference concluded with a panel discussion moderated by Max Yates of BankPlus, Ridgeland. This panel discussion covered a wide range of topics of interest to CDFI banks and allowed attendees to ask questions and make comments. Panelist included Ms. Jacokes of CDBA, Craig Landrum of Jones Walker, Mr. Sones of FI Strategies, and Mr. Narain of NCIF. The MBA thanks NCIF and the Jones Walker law firm for their sponsorships which helped make this event possible.

Mississippi CDFI banks receive BEA, FA awards Just days before this conference, the CDFI Fund announced that 31 Mississippi banks were awarded 2016 Bank Enterprise awards totaling $6.4 Million. The awards to Mississippi banks accounted for 34% of all BEA awards nation-wide. A few weeks after the MBA conference, the 2017 Financial Assistance awards were announced, and Mississippi banks set a record for total FA allocations to commercial banks in one state. Seven Mississippi banks received FA awards totaling more than $6.7 million.

THE MISSISSIPPI BANKER

Around the State THE MISSISSIPPI BANKER

Glover named to ABA Emerging Leaders Advisory Board Bob Glover of The Peoples Bank, Ripley, has been invited to join the ABA Emerging Leaders Advisory Board. The board will serve to guide ABA staff on the creation of Glover future programming and networking opportunities for the next generation of banking leaders. Glover currently serves as vice president of the MBA Young Bankers Section. He is also a member of the Board of Directors of the MBA Education Foundation and the Board of Trustees of the MBA's Mississippi School of Banking. Advisory board members will be a key source of product, service, training and programming ideas for ABA. They will provide input on ABA policy positions and political decisions and participate in planning the ABA Emerging Leaders Forum, held in conjunction with ABA’s Government Relations Summit. Importantly, the Board will work to complement, reinforce and integrate with the emerging leader programming developed by state banker associations.

2018 MBA ANNUAL CONVENTION

May 9-13

Dees joins board of directors At The Peoples Bank, Ripley Michael Dees, president of Dees Oil Company, Inc., has been named to The Peoples Bank board of directors. The Peoples Bank Chairman Bobby Martin said, “The Peoples Bank is very pleased Dees to have Michael as a board member. His business ability will be an asset to our board.” A life-long Ripley resident, Dees joined his family-owned business in 1980 and became president in 1984. He attended

Mississippi State University following graduation from Ripley High School. A member and former president of the Ripley Rotary Club, Dees is a member and past president of the Mississippi Petroleum Marketers and Convenience Store Association; vice president and board member of Magnolia Bible College; a member of the board of directors of Dixie-Net and the Ripley Airport; and a former board member of Freed-Hardeman University. Dees is a member of Beech Hill Church of Christ. He is married to the former Melinda Graves and they have two children, James and Rachel.

Citizens Bank, Columbia, appoints Rankin-Arinder to board of directors Carolyn Rankin Arinder has been appointed to the Board of Directors of Citizens Bank and Citizens Corporation according to Lee H. Fedric, Chief Executive OfRankin-Arinder ficer of Citizens Bank. Mrs. Arinder is a lifelong resident of Columbia and a direct descendant of Henry and Sally Rawls Rankin, founders of the bank. She is the granddaughter of Harry Rankin, a past President of Citizens Bank. Mrs. Arinder is a graduate of the University of Southern Mississippi with a Bachelors of Science Degree in Criminal Justice. After receiving her degree, she worked with the Marion County

Sheriff’s Department under Sheriff Tom Boy Forbes and in 1984 joined the District Attorney’s Office where she worked for twenty-eight years until her retirement in 2012. Following retirement, Mrs. Arinder returned to the District Attorney’s Office to work part-time under District Attorney, Hal Kittrell. Mrs. Arinder is an active member and incoming President of the As You Like It Club. She is a lifelong member of St. Stephens Episcopal Church where she serves as a member of the Altar Guild and Co-Chairman of the Gourmet to Go committee. Mrs. Arinder is married to Lanny Arinder, and together they have three children, Charles Arinder of New Orleans, Louisiana, Barrett Arinder Cooper and Olivia Arinder both of Columbia, Mississippi.

April 8-14, 2018 University of Mississippi Oxford

Applications now available msbankers.com

Contact Amy Davis adavis@msbankers.com SEPTEMBER/OCTOBER 2017

Enrollment opens for Mississippi School of Banking 48th session of MBA school scheduled April 8-14 in Oxford

Applications are now being accepted for the 48th annual session of the MBAsponsored Mississippi School of Banking to be held April 8-14, 2018, in Oxford on the University of Mississippi campus. The banking school is overseen by a Board of Trustees, chaired by Bill Sones, CEO of Bank of Brookhaven. The MSB board met in August to evaluate the 2017 session and provide input into plans for the 2018 session. The MSB's intense two-year program covers many varied aspects of banking activity, including the latest developments for legal, regulatory, credit, management and other issues.

The school’s program consists of two one-week sessions on the Ole Miss campus, with students required to successfully complete home study problems between their first and second year. A major portion of the second-year curriculum is a computerized bank simulation exercise, in which students compete in teams to successfully manage their “banks” through various economic scenarios. Bank simulation winners are recognized at graduation. The top graduate of the school is recognized each year and awarded the Donald E. Moak Achievement Award, provided by the MBA Education Foundation and

presented by Mississippi Young Bankers. The MSB program emphasizes interaction between students, which is conducive to problem-solving during the school and fosters relationships between bankers that are useful in their careers. Led by Dr. Ken Cyree, MSB director and Dean of Business at Ole Miss, the distinguished faculty of MSB includes bankers, educators, regulatory officials and other industry professionals. Dr. Cyree oversees the faculty and curriculum. MBA senior vice president Amy Davis serves as MSB registrar, and MBA programs manager Lori Richardson serves as assistant registrar.

2018 Session April 8-14

Applications due February 1, 2018 ELIGIBILITY AND ADMISSION

University of Mississippi Oxford, MS

To be admitted as a first-year student, an applicant must be:

• An employee or director of a commercial or savings bank, savings and loan association, or bank regulatory agency • A high school graduate

msbankers.com

• Twenty-one years of age when classes begin • Approved by a senior officer of his or her institution

THE MISSISSIPPI BANKER

Good Neighbors

THE MISSISSIPPI BANKER MBA's Mississippi School of Banking Offers comprehensive training and diverse faculty

BankPlus awards scholarships to scholar athletes

Bankconsecutive of Brookhaven, “For Trustmark Bank, the MissisFor“For the 12th year Bank-The “BankPlus takes pride Mississippi Schoolathletes of Banking sippi School of Banking is one Plus has honored student in the isin rewarding excellence, invaluable in the development of of the best educational values in Jackson Metro area. The BankPlus Scholar and what better way to our risingwasbank the area. We use the Mississippi Athlete banquet held inmanagers. April at TableThedo this than to assist school offers a comprehensive School of Banking as a founda100 in Flowood, where students from some of our brightest course of study presented by a tion for exposing our less experischools all around the Jackson Metro were young minds with scholdiverse and that is difficult enced bankers to a broad variety recognized for faculty being not only great ath- arships in order to furbank academics. to duplicate.therSones of topics enabling them to gain Floyd letes, for but aforcommunity also having stellar their education. We Ouryear, people return the school knowledge in areas other than Each students arefrom selected for recognize an outstandwith by new their specialty. As a board member and instructhis award theirideas, schools,confidence and are then and ingcommitment. scholar-athlete from all the highI creschools in invited to a banquet their honor Personally, theincontacts andto friendships tor for the Mississippi School of Banking, I know recognize their outstanding achievement. the tri-county area,” said ated at MSB have been most beneficial and firsthand the time and preparation that is put into At thethoroughly banquet, they enjoy a during fine mealmy Gene Delcomyn, enjoyable 45-year career Senior making the experience worthwhile for all bankers Vice President and hear leaders at banker. BankPlusMississippi and Executive as afrom Mississippi School of that attend the school. I encourage allfunds banks to been $35,000 in scholarship have WAPT, as well as a guest speaker. Th is & Chief Commercial Banking Offi cer at Banking is time well spent and a valuable trainconsider sending their associates this school. " proawarded to studentto athletes. Also, the year’sing guest was All-American toolspeaker for community bankers BankPlus. in Mississippi." gram won “The Mississippi Association basketball player and former Miami HurThroughout the course of the BankPlus - Rita Floyd, Trustmark Bank of Broadcasters Television Community Blitz 16 Scholar Athlete Program, over ricane, Darius Rice. - Bill Sones,CEO, Bank of Brookhaven Service Award,” presented by WAPT.

S E P T E M B E R /M O ACYT/ O J UB N ER E 2017

Government Relations THE MISSISSIPPI BANKER

2017 MBA Washington Visit: Mississippi bankers Deliver industry message to nation's capital The 2017 MBA Washington Visit, a major annual event in the association's government relations program, took place September 10-13. Thirty-two Mississippi bankers participated in this year's visit, which included discussions with Mississippi Senators and Congressmen about efforts to pass important banking regulatory relief measures, as well as meetings with officials of the federal bank regulators and leaders of the American Bankers Association and the Independent Community Bankers of America. MBA Vice Chairman Mary Childs of The Peoples Bank, Ripley, and Treasurer Greg McKee of The Citizens Bank, Philadelphia, led the delegation of Mississippi bankers. In total, approximately 70 individuals participated in this year’s visit, including bankers, spouses, guests, and members of the MBA staff. The visit began on Sunday, September 10, with a group dinner at Morton’s Steakhouse sponsored by Olsen Palmer. Mon-

day morning began with a breakfast sponsored by the Conference of State Bank Supervisors, where CSBS CEO John Ryan briefed the group on state regulators' views on proposed bank regulatory reforms pending before Congress. The ABA hosted bankers for lunch on Monday, at the ABA offices and ABA Executive Vice Presidents Wayne Ab- MBA Vice Chairman Mary Childs presents MissBankPAC check to ernathy and James Bal- ABA BankPac. Pictured L to R: Paul Katz, Andy Anderson, Cara lentine briefed the group Gavagan, Childs, MBA Treasurer Greg McKee, Gordon Fellows. on important federal legislation. During this meeting, Missis- CFPB’s “Arbitration Rule." While at the sippi bankers and ABA staff discussed ABA, MBA Vice Chairman Mary Childs important legislation such as Chairman presented ABA BankPac with a contribuJeb Hensarling’s “Choice” Act, the tion from MissBankPAC’s Federal Fund. On Monday afternoon, bankers met Community Lending Enhancement and Regulatory Relief (CLEARR) Act, with representatives from the Conand legislation that would revoke the sumer Financial Protection Bureau

Congressman Bennie Thompson meets with Mississippi bankers during the 2017 MBA Washington Visit.

Congressman Gregg Harper meets with 2017 MBA Washington Visit attendees.

Congressman Trent Kelly hosts Mississippi bankers in his ofﬁce.

Senior CFPB ofﬁcials deliver brieﬁng.

THE MISSISSIPPI BANKER

Government Relations THE MISSISSIPPI BANKER

including Derek Standarowski, a policy analyst involved with writing the small loan rule; Mike Byrne, the HMDA Operations Lead; and Rudi Sarna and Alan Ellison, two analysts working on the small business data collection rule. Later on Monday, attendees received an economic briefing from ABA’s chief economist Jim Chessen. Afterwards, a number of bankers met with Community Development Financial Institutions (CDFI) Fund Director Annie Donovan of the U.S. Treasury Department, along with members of her staff. On Tuesday, September 12, the schedule began with a breakfast meeting sponsored by Promontory Interfinancial Network, during which Steve Kinner discussed Promontory’s efforts to pass legislation dealing with brokered and reciprocal deposits. Next, bankers attended a briefing at the FDIC with Chairman Martin Gruenberg and other senior FDIC

officials. The group discussed a myriad of issues including appraisals, capital requirements, and the FDIC's views on regulatory relief. Later on Tuesday, the group met with Jim Butera, a partner with Jones Walker’s Washington office. He gave his perspective on the impact that President Trump is having in Washington and, in particular, on Congress' consideration of bank regulatory relief. I C B A s p o n s o re d t h e b a n k e r s’ lunch Tuesday at the Old Ebbitt Grill. Karen Thomas and Paul Merski of ICBA spoke to the group on the prospects for meaningful regulatory relief, and they updated the bankers on a number of administrative issues. Tuesday afternoon the bankers split into groups for meetings with Mississippi House members. Bankers met with Congressmen Trent Kelly, Gregg Harper, and Bennie Thompson, and with Patrick Large of Congressman Steven Palazzo’s

staff. To conclude the visit, the entire group met with Mississippi Senators Thad Cochran and Roger Wicker. Bankers encouraged the Senators to urge Senator Mike Crapo, Chairman of the Senate Banking Committee, to take action on regulatory relief legislation. The MBA staff continues to work with each member of the Mississippi Congressional delegation in hopes that banking regulatory relief will be enacted before the end of this year. The MBA expresses appreciation to the sponsors of this year's Washington Visit: Olsen Palmer, CSBS, ABA, ICBA, the Federal Home Loan Bank of Dallas, Promontory Interfinancial Network, and Jones Walker. Bankers should contact Gordon Fellows, MBA senior vice president of government relations at gfellows@msbankers.com with any questions about this annual trip.

2017 MBA Washington Visit Participants Bank of Anguilla Andy Anderson Fred Miller Mackenzie Parker

Citizens Bank & Trust Company Peyton Self Frank Sibley

Bank of Brookhaven Bill Sones Shannon Aker

Copiah Bank Rebecca Barrentine Steve Bozeman George Marx

Bank of Franklin Brad Jones

First Security Bank Justin Hill

Bank of Kilmichael Kent Mortimer

Guaranty Bank & Trust Hue Townsend

BankFirst Financial Services Moak Griffin

Hancock Bank Michael Schloegel Clay Wagner

BankPlus Max Yates BancorpSouth Michael Booker James Threadgill

Magnolia State Bank Wes Rouse Peoples Bank, Mendenhall John Rankin

Planters Bank & Trust Co. Alan Hargett PriorityOne Bank Robert Barnes Fontaine McNair Renasant Bank John Oxford Southern Bancorp Joseph Ricotta The Citizens Bank of Philadelphia Greg McKee The Commercial Bank Michael Dudley The First, A National Banking Association

Eric Waldron

The Peoples Bank, Ripley Mary Childs Bob Glover SEPTEMBER/OCTOBER 2017

MBA's ‘A Banker in Every Classroom’

Launching our seventh year! MBA’s 7th annual “A Banker in Every Classroom” (BIEC) week is the perfect time to bring Mississippi bankers and teachers together to promote financial education in local schools. "BIEC is another great way for bankers to be involved in our community and to spend time in our schools," shares MYB President Wes Rouse, Magnolia State Bank, Hattiesburg. "We get to be a part of shaping what our school-aged children think about bankers and what banking can do for them. BIEC lets us tell our story to not only future customers of the bank but also future bankers. I have enjoyed my experiences with BIEC and look forward to spending time in the classroom year after year." The MBA’s Mississippi Young Bankers section coordinates personal financial education through its statewide network of MYB county chairmen. BIEC presents an exciting opportunity to magnify the impact of existing programs. "BIEC has become one of the largest financial education initiatives in Mississippi,” said Amy Davis, MBA senior vice president. “Pairing bankers with teachers is a win-win, and gives bankers the opportunity to do what they do best: build relationships in their communities." Mississippi bankers have a strong record of providing financial education in their schools and communities. With their success tied to their communities, many banks sponsor financial literacy on an ongoing basis. MBA provides age-appropriate materials on savings, credit, budgeting and other topics. However, there is no required curriculum, and bankers and teachers are able to determine what will work best . 10

THE MISSISSIPPI BANKER

“BIEC lets us tell our story to not only future customers of the bank but also future bankers.” Wes Rouse, MYB President Magnolia State Bank, Hattiesburg

BIEC GOALS • Share ﬁnancial education with K-12 Mississippi students • Bring bankers & teachers together to beneﬁt local students. • Build relationships with teachers and future customers. • Promote positive educational efforts and good works by bankers in their communities.

VISIT msbankers.com CONTACT adavis@msbankers.com

'A Banker in Every Classroom' Week October 31- November 3, 2017

PARTICIPATING IS EASY FOR BANKERS, TEACHERS SIGN UP TODAY! Sign up (online or see page12 of this magazine) MBA matches bankers with teachers in their communities. Schedule your presentations. MBA materials are available but not required. After your presentation, submit your photos and press releases to MBA.

SEPTEMBER/OCTOBER 2017

2017 BANKER REGISTRATION FORM

The Mississippi Bankers Association is sponsoring “A Banker in Every Classroom,” from October 30 - November 3, 2017. If you would like to visit a classroom: 1. Please complete the information below. 2. If you prefer a certain school or grade, include that in the blanks provided. 3. If there is a particular classroom you would like to visit, please list the teacher’s name, school and teacher’s contact information in the space below. 4. If there are certain dates you prefer to visit the classroom, please make sure those are indicated in the blanks provided. 5. Fax or email your form to Amy Davis at adavis@msbankers.com or Brooke McCoy at bmccoy@msbankers.com. Questions? Call the MBA office at 601 948-6366.

Banker Name: ___________________________ Bank: ______________________________ Bank Address: ______________________________ Cell/Home Phone: ________________ Bank City: _________________________ County: _________________________________ E-mail address: _____________________________ Bank Phone: _____________________ If you have preferences, please indicate below: School/Location:____________________ Grade:_________ Date Available: ____________ If you would like to visit a specific teacher, please contact that teacher and list his or her info below: Teacher Name: _______________________ School: ________________________________ School Phone Number: _________________ Teacher Cell Phone _________________ Teacher E-mail Address: _______________________________________________________

THE MISSISSIPPI BANKER

Washington, Scott join MBA 40-Year Club

Bank of Anguilla Chairman Fred Miller and President Andy Anderson present Barbara Washington a certificate honoring her membership in the MBA's Forty-Year Club.

Trustmark Jackson Metro Retail Market Manager Andrew Christian, Jackson Metro Retail Support Supervisor Pam Jurgens and South Metro President Hal Williams with Senior Retail Support Teller Mary Jo Scott, who received a certificate honoring her membership in MBA's Forty-Year Club.

SEPTEMBER/OCTOBER 2017

Mississippi Young Bankers THE MISSISSIPPI BANKER

150 bankers participate in MYB Leadership events Over 150 bankers from around the state participated in the Mississippi Young Bankers Golf Tournament and Leadership Conference on September 20 and 21 in Jackson. MYB President Wes Rouse of Magnolia State Bank, Hattiesburg, led the MYB Executive Council in the planning of these events, and Councilman Rebecca Barrentine of Copiah Bank in Hazlehurst presided over the conference and golf tournament. The golf tournament was held on September 20 at Lake Caroline Golf Club in Madison with 21 teams of golfers competing in a four-man scramble format. Vining Sparks was the presenting sponsor for the tournament. The Leadership Conference was held on September 21 at the Hilton Hotel in Jackson. Guest speakers included president and chief executive officer of Trustmark Corporation and Trustmark National Bank MBA Chairman Jerry Host; Senator Roger Wicker, Past MBA Chairman and former president of Hancock Bank George Schloegel, Executive Vice President of Congressional Relations and Political Affairs for the American Bankers Association James Ballentine, and C.J. Stewart, founder of the C. J. Stewart Foundation, a non-profit that runs a military-themed, outdoor and adventure camp for teenage boys. During the Leadership Conference luncheon, several bankers were recognized for their participation in consumer education activities. A m y Dav i s , MBA senior vice president, discussed the success of the MBA’s “A Banker in Every Classroom” (BIEC) program which involves bankers in personal finance presentations in classrooms around the state. Davis presented awards to bankers for their work in the BIEC program. Recipients included: • Jerome Brown, The First, Hattiesburg; Lacey Wheeler, Unit14

ed Mississippi Bank, Bude; • H a r v e y L o t t , Pr i o r i t y O n e Bank, Seminary; Pam Hawks, Sycamore Bank, Senatobia; and • Clayton Leager, Merchants and Marine Bank, Pascagoula. The MYB also awarded its statewide “County Chairman of the Year” award to Chris Estrade, Hancock Bank, Gulfport, for his leadership in promoting financial literacy in Harrison County and the Mississippi Gulf Coast. During a break in the presentations MYB President Wes Rouse discussed rebranding the "county chairman" position to a new title of "county delegate"within the MYB structure, and the changing responsibilities associated with this re-branding. The following bankers were recognized as “County Chairman of the Year” in the 8 MBA groups: • Group 1 - Dexter Haynes, Farmers and Merchants bank, Baldwyn; • Group 2 - Tracy Goforth, First Security Bank, Batesville; • Group 3 - Chase McPherson, Planters Bank and Trust, Greenville; • Group 4 - Sandra Murray, BankFirst Financial Services, Columbus; • Group 5 - Harvey Lott, PriorityOne Bank, Seminary; • Group 6 - Chris Roberts, BankPlus, Ridgeland; • Group 7 - Tina Ball, Citizens Bank, Columbia; • Group 8 - Chris Etrade, Hancock Bank, Gulfport. MBA president Mac Deaver presented the 2017 Leadership Scholarship, awarded annually by the MBA Education Foundation and MYB to a deserving college junior studying banking in Mississippi. This $2,000 cash award was presented to Jack Simpson of Mississippi State University.

THE MISSISSIPPI BANKER

MYB President Wes Rouse, Magnolia State Bank, Hattiesburg, addresses MYB Leadership Conference participants.

L to R: Leadership Scholarship winner Jack Simpson of Mississippi State University (left) and Dr. Mike Highfield, MSU Professor of Finance.

MYB Councilman-At-Large Rebecca Barrentine, Copiah Bank, Hazlehurst, presides over MYB Leadership Conference.

Mississippi Young Bankers THE MISSISSIPPI BANKER

2017 MYB LEADERSHIP CONFERENCE

flip the

switch.

Host

Schloegel

Ballentine

Wicker

Stewart

MISSISSIPPI YOUNG BANKERS

L to R: Rebecca Barrentine, Wes Rouse, Senator Roger Wicker, Kent Mortimer, Gordon Fellows, and Brian Hughes.

L to R: MBA President Mac Deaver with MYB Group Chairmen of the Year Tracy Goforth, Chase McPherson, Chris Roberts, Tina Ball, and Chris Estrade.

Attendees gather for a group photo at the conclusion of the MYB Leadership Conference.

L to R: MBA President Mac Deaver; "A Banker in Every Classroom" honorees Lacey Wheeler, Pam Hawks and Clayton Legear; and MBA Senor Vice President Amy Davis.

MBA Chairman Jerry Host addresses MYB Leadership Conference participants.

L to R: Chris Roberts, Jeffery King, Craig Eversole,Wes Rouse, Gordon Fellows, Michael Gates, Joseph Hornback, and Britton Wilkins. SEPTEMBER/OCTOBER 2017

MBA Professional Development

Conferences & Seminars Opportunities to interact face-to-face with expert instructors and peer bankers

For more information about these events, visit msbankers.com or call 601-948-6366

OCTOBER 30-31

'A BANKER IN EVERY CLASSROOM' WEEK BEGINS

We're launching our 7th annual event! MBA brings together Mississippi bankers and teachers across the state to share financial education with K-12 Mississippi students. See pages 10-12 of this magazine for more information and visit msbankers.com.

NOVEMBER 1-3 'A BANKER IN EVERY CLASSROOM' WEEK CONTINUES

MBA's annual event continues this week! See pages 10-12 of this magazine for more information and visit msbankers.com.

2-3

5-7

MBA WEALTH MANAGEMENT CONFERENCE

Hilton Hotel, Jackson Who Should Attend: CEOs, Trust Officers, Trust personnel. Featuring a Washington update and economic outlook. Register online at msbankers.com.

STRATEGIC OPPORTUNITIES AND M & A

MBA is cosponsoring this 6th annual regional event in New Orleans. Join CEO's from MS, LA, AK, TX and OK for peer-to-peer sharing. Visit msbankers.com to register.

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

THE MISSISSIPPI BANKER

Why America's Dual Banking System Matters By Julie Stackhouse, Executive Vice President, St. Louis Federal Reserve

Bankers and regulators sometimes refer to the “dual banking system” - a system whereby banks can charter under federal or state laws. Why does this system of choice exist, and what benefit does it provide Stackhouse in today’s economy? Origins of a Dual Banking System The U.S. dual banking system has a long history. In our country’s early years, those seeking to issue and circulate bank notes required a bank charter, and most of those charters were issued at a state level. The bank notes subsequently issued were unique to the institution, were not insured and tended to exchange at a discount when confidence in the bank was lacking. As time passed, the public realized that banks might be unable to redeem their notes at par, an issue that came to the forefront during the banking panic of 1837. Establishing a National Currency By the time of the Civil War, it became apparent that a national currency was needed to finance the war. Congress addressed this need through passage of the National Bank Act of 1863, resulting in the issuance of a common currency through national banks. Later, an amendment was added to tax state bank notes. Faced with this tax, the number of state banks decreased

dramatically until innovation ensued and state banks began offering a new instrument: demand deposits, such as checking accounts. This new deposit structure led to a resurgence in state charters. Today’s Strong Dual Banking System Today, the state-charted banking system is strong, and the dual banking system remains intact. Of the nation’s roughly 5,000 banks, more than 80 percent of them are state chartered, up from 69 percent in 1980, as seen in the table below. While national banks tend to be larger and account for a larger share of industry assets, state-chartered banks are

banks, and over time, state banks have taken the lead in safe and sound product innovations, including variable-rate mortgages and home equity loans. Banking Regulators Benefit, Too The dual banking system has arguably raised the performance of banking regulators as well, given the ability of healthy banks to change charters. Regulators have an added incentive to control costs so that supervisory fees do not lead to charter switching. Some argue that the dual banking system would not exist if today’s mature financial system were in place 150 years ago.

Dual Banking System Alive and Well Year

National Banks

State-Chartered Banks

State Banks as a Percent of Total (%)

1980 1990 2000 2010 2017

4,423 3,967 2,229 1,382 896

9,999 8,368 6,086 5,146 4,152

69.0 67.8 73.2 78.8 82.3

NOTE: All data are year-end except 2017, which is mid-year. SOURCE: Federal Reserve, National information Center Federal Reserve Bank of St. Louis

usually smaller and frequently dedicated to meeting the banking needs of a single community or narrow geographic area. States take pride in their state-chartered

While no one can be certain, the loyalty of consumers and businesses to their local community bank suggest that the dual system will survive for decades to come.

A Banker in Every Classroom October 30November 3 2017

CONTACT Amy Davis 601-948-6366 adavis@msbankers.com SEPTEMBER/OCTOBER 2017

Standing Committees

THE MISSISSIPPI BANKER

Bank Attorneys Committee

Communications Council

Chairman: Tom Walker Brunini, Grantham Grower & Hewes, Jackson

Chairman: Rachel Cherry The Citizens Bank, Philadelphia Cherry

Walker

Simon Bailey, Bradley, Arant, Boult and Cummings, Jackson Dean Belk, Clark, Davis & Belk, P.A., Indianola Pat Caldwell, Riley, Caldwell, Cork & Alvis, Tupelo Steve Corban, Renasant Bank, Tupelo George Fair, Watkins & Eager, Jackson Clint Gardner, The Gardner Group, Brookhaven Cliff Harrison, Butler, Snow, Oâ&#x20AC;&#x2122;Mara, Stevens & Cannada, Ridgeland Scott Hendrix, Mitchell, McNutt & Sams, Tupelo Tom Hudson, BankPlus, Ridgeland Craig Landrum, Jones Walker, Jackson Nicole Lewellyn, PriorityOne Bank, Magee Charles Parrott, Adams & Reese, Jackson Joy Phillips, Hancock Bank, Gulfport Charles Pignuolo, BancorpSouth, Tupelo Ryan Revere, Smith, Phillips, Mitchell, Scott, & Nowak, Batesville Ben Sones, Randall, Segrest, Weeks, Reeves & Sones, Ridgeland Lillous Ann Shoemaker, Magnolia State Bank, Bay Springs Granville Tate, Trustmark National Bank, Jackson

Rob Armour, BankPlus, Ridgeland Whitney Baker, PriorityOne Bank, Magee Diedre Barret, Guaranty Bank & Trust, Belzoni Becky Benson, The Peoples Bank, Ripley Susan Perry, Bank of Anguilla, Anguilla Gant Boone, Oxford University Bank, Oxford Heather Brown, Magnolia State Bank, Bay Springs Kristi Burge, Merchants & Marine Bank, Pascagoula Leitha Chapman, Citizens Bank, Columbia Richard Dodd, First Bank, McComb Joe Gibbs, Trustmark National Bank, Jackson Tracy Goforth, First Security Bank, Batesville Paul Guichet, The Peoples Bank, Biloxi Amanda Kent, BNA Bank, New Albany Natalie Latham, Community Bancshares, Brandon Paul Maxwell, Hancock Bank, Gulfport Leon Manning, BankFirst Financial Services, Macon Jamie Murrell, Planters Bank & Trust Co., Indianola Charlotte Orick, First American National Bank, Iuka John Oxford, Renasant Bank, Tupelo Shannon Phillips, First State Bank, Waynesboro Candie Simmons, Regions Bank, Jackson Luther Wade, Bank of Commerce, Greenwood Samantha White, Merchants & Farmers Bank, Holly Springs

msbankers.com 18

THE MISSISSIPPI BANKER

Compliance/Audit Committee Chairman: Leah Hearn Commercial Bank, Meridian Hearn

Dawn Ard, The First, Hattiesburg Bo Baxter, Renasant Bank, Tupelo Sharon Beard, First State Bank, Waynesboro Renee Brewer, Oxford University Bank, Oxford Stephanie Broussard, Merchants & Marine Bank, Pascagoula Kimberly Buford, Mechanics Bank, Water Valley Audra Cook, Oxford University Bank, Oxford Heather Craft, OmniBank, Jackson Jeff Crick, Bank of Commerce, Greenwood Rita Eldridge, Bank of Winona, Winona Connie Foster, Hancock Bank, Gulfport Nikki Henning, State Bank & Trust Co., Ridgeland Julie Henry, First Choice Bank, Pontotoc Evelyn Herrington, The Peoples Bank, Biloxi Ashley Jennings, PriorityOne Bank, Magee Mike Keen, River Hills Bank, Port Gibson Sue Love, BankPlus, Ridgeland Kit McCoy, Bank of Anguilla, Anguilla Ion Mixon, The First, Hattiesburg Joy Roach, Bank of Brookhaven, Brookhaven Rochelle Sanders, Bank of Brookhaven, Brookhaven Mark Segars, First American National Bank, Iuka Lexine Smith, Bank of Holly Springs, Holly Springs Angie Sowers, Great Southern Bank, Meridian Bob Spencer, BNA Bank, New Albany Jeff Swilley, Community Bank, Brandon Jamie Timbes, Commerce Bank, Corinth Samantha White, Merchants & Farmers Bank, Holly Springs Sheryl Wolfe, Merchants & Marine Bank, Pascagoula

Standing Committees

THE MISSISSIPPI BANKER

Human Resources Committee

Legislative Committee Chairman: Clay Wagner Hancock Bank, Gulfport

Chairman: Eric Adkins PriorityOne Bank, Magee Wagner

Adkins

Nancy Bryan, BankFirst, Columbus Kristy Davis, First State Bank, Waynesboro Rita Floyd, Trustmark National Bank, Jackson Leslie Franklin, Peoples Bank, Mendenhall Lisa Givens, State Bank & Trust Co., Brookhaven Tim Gray, Community Bancshares, Brandon Tish Hairston, Guaranty Bank & Trust Co., Belzoni Jessica Milam, Planters Bank & Trust Co., Indianola Lisa Phelps, First American National Bank, Iuka Pam Pierce, Charter Bank, Biloxi Ray Smith, Renasant Bank, Tupelo Jan Smitherman, The Peoples Bank, Biloxi Phil Sprayberry, Cadence Bank, N.A., Starkville Rudi Thompson, Hancock Bank, Gulfport Amanda Tuminello, Magnolia State Bank, Bay Springs Alison Tyler, BankPlus, Ridgeland Joann Walker, Great Southern Bank, Meridian Sheryl Wolfe, Merchant & Marine Bank, Pascagoula

Dennis Ammann, Peoples Bank, Mendenhall Kevin Adkins, Amory Federal Savings & Loan Association, Amory Robbie Barnes, PriorityOne Bank, Magee Johnny Barrett, FNB Oxford Bank, Oxford Pat Biglane, Concordia Bank & Trust, Natchez Michael Booker, BancorpSouth, Jackson Deanna Bowser, Home Bank, Natchez Allen Breland, Bank of Forest, Forest Jerome Brown, The First, Hattiesburg Tommy Chamblee, First American National Bank, Iuka Bo Collins, BNA Bank, New Albany Tracy Davidson, Citizens Bank, Byhalia Frank Davis, Commerce Bank, Corinth Lee Fedric, Citizens Bank, Columbia Scott Fontenot, Wells Fargo, Des Moines, IA Wes Fulmer, The Peoples Bank, Biloxi Robert Gage, RiverHills Bank, Port Gibson Greg Garraway, Regions Bank, Hattiesburg Bill Granberry, Richton Bank & Trust, Richton Kirk Graves, State Bank & Trust Co., Ridgeland John Haynes, Farmers & Merchants Bank, Baldwyn Alice Herbison, Bank of Benoit, Benoit Justin Hill, First Security Bank, Batesville Allen Hodo, First State Bank, Waynesboro Brad Jones, Bank of Franklin, Meadville Jeff Lacey, Charter Bank, Ocean Springs Clayton Legear, Merchants and Marine Bank, Pascagoula Henry Logue, Merchants and Planters Bank, Raymond Justin Martin, Community Bank, Ellisville Kris Mangum, Magnolia State Bank, Bay Springs

Jeff McCoy, Great Southern Bank, Meridian Eric Miller, Planters Bank & Trust Co., Greenwood Pax Mogenson, First National Bankers Bank, Ridgeland Buddy Mortimer, Bank of Kilmichael, Kilmichael Chuck Nicholson, Community Bancshares, Brandon Jimmy Prichard, Citizens Bank & Trust Co, Marks Ken Purvis, Sycamore Bank, Hernando Jeff Rabren, Regions Bank, Birmingham, Alabama Larry Ratzlaff, Origin Bank, Ridgeland Joe Ricotta, Southern Bancorp, Madison Ken Gordon, Bank of Morton, Morton Wes Rouse, Magnolia State Bank, Hattiesburg Michael Schloegel, Hancock Bank, Gulfport John Shappley, First Bank, McComb Bill Sones, Bank of Brookhaven, Brookhaven Art Stevens, Trustmark National Bank, Jackson Greg Taylor, Merchants & Farmers Bank, Holly Springs James Threadgill, BancorpSouth, Tupelo Jerry Toney, Cadence Bank, N.A., Starkville Huey Townsend, Guaranty Bank & Trust, Belzoni Jennifer Wallace, Pike National Bank, McComb Alan Walters, First Commercial Bank, Jackson Mitch Waycaster, Renasant Bank, Tupelo Phil Williams, Bank of Yazoo, Yazoo City Max Yates, BankPlus, Ridgeland

@msbankers

Mississippi Bankers Association

SEPTEMBER/OCTOBER 2017

Standing Committees

THE MISSISSIPPI BANKER

Lending Committee

MissBankPAC Committee

Chairman: Joe Ricotta Southern Bancorp, Madison Ricotta

Mike Cayson, Cadence Bank, Starkville Craig Eversole, First National Bankers Bank, Ridgeland James Glorioso, Cleveland State Bank, Cleveland Eric Hanbury, Renasant Bank, Tupelo John Herrod, Jr., Bank of Okolona, Okalona Chris Hull, Covington County Bank, Collins Christopher Hutchins, United Mississippi Bank, Natchez Wyman Jones, Community Bancshares, Brandon Byron Jordan, First State Bank, Waynesboro Mike Keen, RiverHills Bank, Port Gibson Drew Kenna, Bank of Forest, Forest Sean Meadows, Merchants & Planters Bank, Raymond Brad Ogletree, First Financial Bank, Carthage Mackenzie Parker, Bank of Anguilla, Anguilla Jimmy Prichard, Citizens Bank & Trust Co., Marks John Rankin, Peoples Bank, Mendenhall Van Ray, Bank of Yazoo, Yazoo City Keith Robinson, First National Bank, Picayune Mack Rushing, Merchants & Marine Bank, Pascagoula Lee Seago, State Bank & Trust Co., Ridgeland Pate Shackelford, Peoples Bank & Trust, North Carrollton Martin Shoemake, OmniBank, Jackson Mike Staten, BNA Bank, New Albany Ryan Strawbridge, Planters Bank & Trust Co., Greenwood Dale Tate, First Federal, Aberdeen Hue Townsend, Guaranty Bank & Trust, Belzoni Larry Veasey, Merchants & Farmers Bank, Holly Springs Chester White, PriorityOne Bank, Magee Patrick Wild, The Peoples Bank, Biloxi 20

Security Committee

Chairman: Chuck Nicholson Community Bancshares, Brandon Nicholson

McMillon

Andy Anderson, Bank of Anguilla, Anguilla Owen Carty, State Bank & Trust Co., Ridgeland Jimmy Clayton, Planters Bank & Trust Co., Indianola Moak Griffin, BankFirst Financial Services, Columbus John Haynes, Farmers & Merchants Bank, Baldwyn Allen Hodo, First State Bank, Waynesboro Brad Jones, Bank of Franklin, Meadville Greg Taylor, Merchants & Farmers Bank, Holly Springs Clay Wagner, Hancock Bank, Gulfport Max Yates, BankPlus, Ridgeland

Group Insurance Committee/ Board of Trustees, Mississippi Bankers VEBA Plan & Trust Chairman: Brad Jones Bank of Franklin, Meadville Jones

Shannon Aker, Bank of Brookhaven, Brookhaven Allen Breland, Bank of Forest, Forest Kirk Graves, State Bank & Trust Co., Ridgeland Henry Logue, Merchants & Planters Bank, Raymond Jeff McCoy, Great Southern Bank, Meridian Sam McClatchy, First State Bank, Holly Springs Phil Williams, Bank of Yazoo, Yazoo City

THE MISSISSIPPI BANKER

Chairman: Andy McMillon Peoples Bank, Mendenhall Mel Channell, Trustmark National Bank, Jackson Riece Fleming, Merchants & Marine Bank, Pascagoula Jim French, Regions Bank, Jackson Jason Giachelli, Southern Bancorp, Greenville Cousie Giglio, Guaranty Bank & Trust, Belzoni Connie Grimes, First State Bank, Waynesboro Debbie Kirk, BankFirst Financial Services, Macon Michael Lann, Renasant Bank, Chelsea, Alabama Gerald Legge, First Security Bank, Batesville Chris Makamson, Planters Bank & Trust Co., Indianola Vic Prather, Community Bank, Brandon Michelle Rowland, Great Southern Bank, Meridian Mary Lois Stockman, BancorpSouth, Tupelo Todd Stringer, BankPlus, Ridgeland Al Tapper, Hancock Bank, Gulfport Judy Varney, BankPlus, Ridgeland John Mark Williams, PriorityOne Bank, Magee John Zorich, The Peoples Bank, Biloxi

Advertise with us VISIT

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CONTACT

Brooke McCoy bmccoy@msbankers.com

Standing Committees

THE MISSISSIPPI BANKER

Trust Committee Chairman: Kathryn Merrell Trustmark National Bank, Jackson Merrell

Evelyn Agent, First Commercial Bank, Jackson Danny Bass, The Peoples Bank, Biloxi Larry Cantrell, Cadence Bank, NA, Columbus David Cleland, BankPlus, Ridgeland Richard Crowder, Regions Bank, Jackson John Davis, Cadence Bank, Starkville Lee Gill, Regions Bank, Jackson Catherine Fitzpatrick, Renasant Bank, Tupelo Ann Guice, The Peoples Bank, Biloxi Jack McFerrin, BancorpSouth, Tupelo Danny McHale, Trustmark National Bank, Jackson Terry Mobley, BancorpSouth, Jackson Whitney Reynolds, Renasant Bank, Columbus Anthony Sherman, Trustmark National Bank, Jackson Tom Wicks, The Peoples Bank, Biloxi Allison Youngblood, Renasant Bank, Columbus

Mississippi School of Banking Board of Trustees Chairman: Bill Sones Bank of Brookhaven, Brookhaven Sones

Scott Cochran, Renasant Bank, Tupelo Rita Floyd, Trustmark National Bank, Jackson Henry Fox, Community Bank, Pascagoula Bob Glover, The Peoples Bank, Ripley Gee Gee Patridge, BankPlus, Ridgeland Marc Petro, Community Bank, Madison Bill Renovich, First Commercial Bank, Southaven Wes Rouse, Magnolia State Bank, Hattiesburg

No detail too small. Everyone needs a trusted advisor. Whoâ&#x20AC;&#x2122;s yours? bkd.com/FS | @bkdFS SEPTEMBER/OCTOBER 2017

MBA Professional Development

Webinars

Training opportunities at your convenience

Visit msbankers.com to view and register for these webinars and more TUESDAY, OCTOBER 24 Marketing & Advertising 10:00 a.m. - noon

MONDAY, NOVEMBER 6

Untangling the Web of Fee Disclosures 1:30 - 3:30 p.m.

TUESDAY, NOVEMBER 7

Employment Compliance Obligations Under the Trump Administration 1:30 - 3:30 p.m.

Information Security Program Basics: Create and Build Your Program 10:00 a.m. - noon

WEDNESDAY, OCTOBER 25 Tech Fraud: A Virtual Minefield 10:00 a.m. - noon

Lending 101 1:30 - 3:30 p.m.

THURSDAY, OCTOBER 26

WEDNESDAY, NOVEMBER 8

IRA Beyond the Basics 10:00 a.m. - noon

Compliance Perspectives 1:00 - 2:00 p.m.

Workplace Violence 1:30 - 3:30 p.m.

THURSDAY, NOVEMBER 9

Employment Records: How to Keep Them 10:00 a.m. - noon

Compliance Perspectives 1:00 p.m.

Controlling the Risks of Power of Attorney Documents 1:30 p.m.

FRIDAY, NOVEMBER 17

Commercial and Industrial (C&I) Lending in Today’s Competitive Market 10:00 a.m. - noon

MONDAY, NOVEMBER 20

Lending to Non-Profit Organization 10:00 a.m. - noon

Loan Participations 1:30 - 3:30 p.m.

For Salespeople and Managers: The Guide to Building Your Business Work Plan for 2018 12:00 - 2:00 p.m.

MONDAY, OCTOBER 30

MONDAY, NOVEMBER 13

TUESDAY, NOVEMBER 21

FRIDAY, OCTOBER 27

Contingent Liabilities: Three Lines of Defense 1:30 - 3:30 p.m.

7 Habits of Highly Successful Supervisors 1:30 - 3:30 p.m.

TUESDAY, OCTOBER 31

Flood Insurance 10:00 a.m. - noon

TUESDAY, NOVEMBER 14

UDAAP: Risk Assessment, Examination Procedures and Management 10:00 a.m. - noon

TUESDAY, NOVEMBER 14

THURSDAY, NOVEMBER 2

MDA 2018 Challenges Part II – Commercial Applications 1:30 - 3:30 p.m.

BSA Series:10 High Risk Services & Transactions 1:30 - 3:30 p.m.

WEDNESDAY, NOVEMBER 15

TRID for Construction Loans 10:00 a.m. - noon

FRIDAY, NOVEMBER 3

Basic Cash Flow Analysis 10:00 a.m. - noon 22

THURSDAY, NOVEMBER 16

20 Legal Account Ownerships, Titles, Sample Signature Cards & Legal Documentation 10:00 a.m. - noon

Countdown to CDD Rules: Where Are You Now? 10:00 a.m. - noon

Uniform Commercial Code for Bankers 1:30 - 3:30 p.m.

THE MISSISSIPPI BANKER

Ratio Analysis to Determine Financial Strength 10:00 a.m. - noon

MONDAY, NOVEMBER 27

Excel Explained: Managing Large Workbooks

1:30 - 3:30 p.m.

TUESDAY, NOVEMBER 28

Critical Issues on Certificates of Deposit 10:00 a.m. - noon Living Trust Documents 1:30 - 3:30 p.m.

WEDNESDAY, NOVEMBER 29 Fraud Detection 10:00 a.m. - noon

Commercial Construction Lending 1:30 - 3:30 p.m.

www.bcbsms.com Blue Cross & Blue Shield of Mississippi, A Mutual Insurance Company is an independent licensee of the Blue Cross and Blue Shield Association. Â® Registered Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans.

SEPTEMBER/OCTOBER 2017

Bankers on the Move

THE MISSISSIPPI BANKER

BankFirst

Community Bank

Planters Bank

Clint Butler has joined the bank as Vice President/Business/Commercial Banker in Macon. He has 8 years of experience in agricultural and commercial lending including over 7 years as a loan officer Butler with the U.S. Department of Agriculture’s Farm Service Agency in Alabama and Mississippi. Butler is a graduate of Mississippi College and the Mississippi College School of Law.

Economics. He is also a graduate of the MS School of Banking at Ole Miss, and the Graduate School of Banking at LSU.

Trent Nelson has joined the bank as Assistant Vice President/Loan Officer based in the Planter Greenville-Washington Avenue location. A graduate of The Mississippi School for Banking and Holmes Nelson Community College in Ridgeland with an Associate Degree in Business Administration, Nelson began his banking career in 2008 at BankPlus.

Leon Manning has been appointed First Vice President, Director of Marketing. Manning has more than 30 years’ experience in banking and earned a degree in Finance and Banking from the Manning University of Alabama. He also graduated with honors from the American Bankers Association School of Bank Marketing and Management.

Citizens Bank Kimberly C. Miller has been promoted to Assistant Vice President and Assistant Compliance Officer. Miller has 9 years of banking experience and attended the American Bankers Association Na- Miller tional Compliance School as well as numerous American Bankers Association and Mississippi Bankers Association compliance training conferences.

Community Bank Mitchell Hill has recently been promoted to Executive Vice President. A native of Indianola, Hill will continue growing loans and deposits, along with his management responsibilities. Hill is a graduate of Mississippi State University with a Bachelor of Science in Agriculture 24

Derek McCain has recently been promoted to Assistant Vice President at the bank’s Ellisville office. He has over 3 years of banking experience and is a graduate of Mississippi State University with a McCain Bachelor of Business Administration degree. Michael McPhail has been promoted to Assistant Vice President. McPhail joined the bank in 2016 as a loan officer. He completed his Bachelor Degree in Political Science with a minor in McPhail Business Administration at Mississippi State University, where he graduated Magna Cum Laude in May of 2016. Westin Wallace has been promoted to Assistant Vice President at the bank’s Laurel office. He has been with Community Bank over 2 years and is a 2017 graduate of Leadership Jones County. Wallace Wallace graduated from Mississippi State University with a Bachelor of Business Administration degree.

Guaranty Bank & Trust Jo h n M . Sp e n c e r has joined the bank and will serve as a Relationship Banker in Senatobia. He is a graduate of Mississippi State University with a Bachelor of Business Administra- Spencer tion. Spencer has worked in banking and finance in both the automotive and banking industries.

THE MISSISSIPPI BANKER

Regions John Harmon has been named city president for Calhoun City/Houston, Mississippi. He has more than 34 years of banking experience and joined the bank in 1988. Harmon, earned his bach- Harmon elor’s degree in Business Administration from The University of Mississippi. He is also a 1995 graduate of the Mississippi School of Banking.

Trustmark Brian Barnard has been promoted to Vice President at the Magee main office, where he serves as Commercial Relationship Manager. He earned a Bachelor of Science in Business Admin- Barnard istration from the University of Southern Mississippi and has 8 years of banking experience. Barnard also completed the Mississippi School of Banking, Graduate School of Banking, and the Leadership Mississippi program. Drew Cleland, a Vice President and Portfolio Manager with Trustmark Investments Advisors, Inc., has achieved the designation of Chartered Market Technician® (CMT). He has over 13 years of investment management experience.

Bankers on the Move THE MISSISSIPPI BANKER

Trustmark Cleland earned a Master of Business Administration with a concentration in Finance from Millsaps College and a Bachelor of Business Administration in Economics from the University of Mississippi. Cleland Jared Curtis has been promoted to Credit Analysis Officer at corporate headquarters in Jackson, where he serves as Credit Analyst. He has 3 years of banking experience and earned a Master of Curtis Business Administration from the University of Texas at Tyler and a Bachelor of Arts in Economics from the University of Texas at Austin.

Trustmark

Bridget Lowery has been promoted to Vice President at corporate headquarters in Jackson, where she serves as Direct Consumer Underwriter. She earned a Bachelor of Science in Business Lowery Administration from Mississippi College and has completed both the Mississippi School of Banking and the Graduate School of Banking. Lowery has 23 years of banking experience.

Bard Shirley has been promoted to First Vice President at corporate headquarter in Jackson, where he serves as Vault and Distribution Services Manager. He earned a Master of Business Administration and a Bachelor of Science from Mississippi College. Shirley has twentyone years of banking experience and completed the Graduate School of Banking.

Justin Lowery has been promoted to Vice President at corporate headquarters in Jackson, where he serves as ATM Technical Administrator. Lowery has 29 years of combined banking and Automated Teller Machine (ATM) industry experience.

Matt Farrell has been promoted to First Vice President at corporate headquarters in Jackson, where he serves as Commercial Relationship Manager. Farrell earned a Master of Business Ad- Farrell ministration from the University of Mississippi and a Bachelor of Science in Chemical Engineering from the University of Notre Dame. He has 10 years of banking experience and also completed the Graduate School of Banking.

Elizabeth Whitaker Namanny has been promoted to First Vice President & Trust Officer at corporate headquarters in Jackson, where she serves as Wealth Management Finance & Risk Officer. Namanny She earned a Juris Doctorate from Mississippi College School of Law, and a Master of Business Administration and a Bachelor of Science in Business Administration from Mississippi College. Namanny has 10 years of combined banking and legal experience.

Justin Laxson has been promoted to Assistant Vice President at corporate headquarters in Jackson, where he serves as Asset Review Examiner. Laxson earned a Master of Business Administration from Laxson Delta State University and a Bachelor of Business Administration from Mississippi State University. He has eleven years of banking experience.

Lee Rhodus has been promoted to Commercial Banking Officer at the McComb main officer, where he serves as Commercial Relationship Manager Associate. Rhodus earned a Bachelor of Rhodus Science in Business Administration from Delta State University and has 8 years of combined business management and banking experience.

Sylvia Woodard has been promoted to Vice President at corporate headquarters in Jackson, where she serves as Compensation Analyst. She earned a Bachelor of Arts in Economics with an Woodard emphasis in Business Administration from Tougaloo College and a Master of Business Administration from Jackson State University. Woodard has thirteen years of banking experience. Fisher Brown Bottrell Insurance, Inc., a subsidiary of Trustmark, announced that Senior Vice President and Employee Benefits Insurance Consultant, Pam Files, has been named one of The Files Most Influential Women in Benefit Advising by Employee Benefit Advisor Magazine. Files has over 30 years of experience in the insurance industry. Fisher Brown Bottrell Insurance, Inc., a subsidiary of Trustmark, announced that Senior Vice President, Brian Johnson, has been appointed to serve on the Jackson State University Johnson Development Foundation Board. Johnson has 12 years of experience in the insurance industry.

Please submit Bankers on the Move information to editor@msbankers.com SEPTEMBER/OCTOBER 2017

MBA Job Bank THE MISSISSIPPI BANKER

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adavis@msbankers.com ACH Operations Manager: Cadence Bank is seeking to hire an ACH Operations Manager in Starkville. Interested candidates must have a minimum of at least 5 years of relevant ACH processing and experience supporting back office payment systems and a minimum 5 years of people management and/or leadership experience. Preferred AAP or willing to obtain certification. Interested candidates may contact Nicole Lee by email at Nicole.lee@cadencebank.com or by calling 205-820-9585. Bank Examiner: The Department of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resumes to sam.hubbard@dbcf.ms.gov. Chief Lending Officer: A commercial bank in South Mississippi is seeking a Chief Lending Officer (CLO) to join their team. Position may require an advanced degree and at least 10 years of direct experience in lending. Submit resumes to adavis@msbankers.com. Collections & Recovery Specialist: Responsible for mitigating loan losses by negotiating payment arrangements to resolve delinquent accounts. This individual works to recover the property of defaulted loans by negotiating payment arrangements for customers with past due 26

accounts; taking necessary action to repossess, foreclose, or take possession of collateral security involved in delinquent loans; and coordinating activities and resources to recover property on past due accounts, in accordance with established policy and applicable law. High school diploma or equivalent is required. Associateâ&#x20AC;&#x2122;s degree is preferred. 5 years of relevant experience in collections is required. Experience with financial analysis and general banking knowledge is preferred. Must have strong knowledge of Fair Credit Reporting as well as other applicable consumer and compliance regulations. Must have knowledge of sound collection practices. Must be proficient with Microsoft Office products, eOSCAR, and CM/ECF Pacer. Must be proficient with Navigator or similar technology. Must have strong data entry skills with attention to detail. Must possess exceptional time management skills and have the ability to organize, prioritize, and perform multiple tasks simultaneously. This individual may occasionally to work outdoors. Some travel may be necessary to other businesses and branch locations may be necessary using personal vehicle. Must possess valid driverâ&#x20AC;&#x2122;s license and insurance. External candidates may submit an Employment Application and resume. External applications may be:mailed - Human Resources P.O. Box 729, Pascagoula, MS 39567/ delivered - 3118 Pascagoula St., Pascagoula, MS/ emailed - Careers@ MandMBank.com. Commercial Lending Officer: A community bank in the Hattiesburg area is seeking a Commercial Lender. Candidates should have a minimum of five 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 local bank president. Candidates may

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submit confidential resumes to adavis@ msbankers.com. General Ledger Reconciliation Specialist: Merchants & Marine Bank has an immediate need for a General Ledger Reconciliation Specialist at our Main Branch in Pascagoula. This individual is responsible for balancing loan activities to general ledger accounts. High school diploma; minimum of 1 year Banking and cash handling experience is required. Candidates should have a thorough knowledge of banking concepts applicable rules & regulations. Candidates must also demonstrate strong written and verbal communication skills, data entry skills, excellent teamwork skills, and proficiency with Microsoft Office Products. To apply, visit M&MBank.com/Careers. For more information, contact Careers@ MandMBank.com. EOE/M/F/D/V Head Teller: The First, A National Banking Association, is seeking a Head Teller. Candidates must possess a high school diploma or general education degree (GED) or one to two years related experience and/or training. Interested candidates may submit resumes to Pam Petterman at ppetterman@thefirstbank.com. Internal Auditor III: Southern Bancorp is seeking an Internal Auditor III for Little Rock, AR. Responsibilities include review of financial, operational, compliance, and information technology in accordance with applicable audit and regulatory standards as well as providing the necessary corrective recommendations. Serves as a liaison for external auditors and regulatory auditors on reviews and assessments while maintaining effective working relationships with internal customers. Leads and supports other auditors with their assigned testing. Ensures all internal audit activities and procedures are performed as required by the audit plan and budget approved by the Audit Committee. Certified Public Accountant (CPA) or Certified Internal Auditor (CIA) is preferred. Experi-

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ence with Data Analytics and Automated work paper tools. Applicants may review the job description and apply by visiting https://banksouthern.com/ Internal Staff Auditor: BancorpSouth is seeking an Internal Staff Auditor. Interested candidates must have a Bachelor’s Degree in a Business related field (i.e. Accounting; Banking and Finance; Business) AND at least 2 years’ experience in bank auditing or auditing associated with an external accounting firm; Prefer at least 4 years’ experience. Candidates may submit resume and application by clicking on Career Opportunities at this link: www. Bancorpsouth.com/MyBXSCareer. Lending Assistant Commercial Real Estate: BankPlus, Ridgeland, Mississippi, is seeking an experienced Lending Assistant. This position requires two years prior lending assistant experience. To apply, please visit https://www.bankplus.net/ About/Careers/Career-Opportunities/ Loan Administration Staff Member: A community bank in central Mississippi is seeking a Loan Administration staff member. College degree preferred, or experience in banking processes, preferred experience in Loan Administration. Must have a high degree of confidentiality. Submit confidential resumes to adavis@msbankers.com. Loan Operations Manager: Merchants & Marine Bank has an immediate need for a Loan Operations Manager at our Main Branch in Pascagoula. This individual will oversee all aspects of loan administration and ensure that lending operations support our strategic objectives. A Bachelor’s degree in Banking, Finance, Business or related field is highly preferred. A minimum of 8 years’ experience in loan operations experience and 3 years’ supervisory experience is required. Candidates must have a thorough knowledge of lending concepts and terminology, loan documentation, and

applicable rules & regulations. Candidates must also demonstrate strong written and verbal communication skills, excellent teamwork and leadership skills, and proficiency with Microsoft Office Products. To apply, visit M&MBank.com/Careers. For more information, contact Careers@ MandMBank.com. EOE/M/F/D/V Manager/Senior Credit Analyst: Merchants & Marine Bank has an immediate need for a Manager/Senior Credit Analyst position at our Main Branch in Pascagoula. Minimum 5 years' experience in credit underwriting and analysis is required. Please submit resume to Sheryl.Wolfe@ MandMBank.com or Lauren.Germany@ MandMBank.com. Marketing Content Position: This position will be responsible for creating, improving and maintaining marketing content, which include banking, insurance, mortgage and wealth management products and services. Interested candidates must have four-year degree in Communication, Marketing, English or similar field. Submit resume to adavis@ msbankers.com.

guidelines and meeting or exceeding quality assurance standards. Review and analyze credit/income/asset documentation submitted in order to make a sound determination of creditworthiness per guidelines using department approved checklists and worksheets. Ensure that property appraisals meet standard secondary market investor requirements, as well as HUD/VA requirements. For all (3) positions, please submit resumes to adavis@msbankers.com. Trust Associate: Community bank in central Mississippi seeks a Trust Associate. College degree preferred or banking and/or experience in Trust Operation and Administration. Must have a high degree of confidentiality. Candidate adavis@ msbankers.com. Needs to have a thorough understanding of General Accepted Accounting Principles. Confidential resumes to adavis@msbankers.com.

Mortgage Loan Originator: The Citizens Bank of Philadelphia is seeking a Mortgage Loan Originator for a branch location in Hattiesburg. Prior experience in mortgage loan origination is required. Submit resumes to hr@tcbphila.com. "Mortgage Team": Community bank in Mississippi is looking for a "Mortgage Team" to add to our current Mortgage Department and grow our Mortgage presence in the Jackson/Metro market. We are looking for an energetic, intelligent, self-motivated professional team with impeccable business ethics and a desire for success. (2) Mortgage Loan Originator positions and (1) Mortgage Loan Underwriter: Responsible for underwriting Conventional, FHA, VA and USDA residential loans, ensuring compliance with internal and agency program SEPTEMBER/OCTOBER 2017

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Tax Reform: A Hard Job Worth Doing By Rob Nichols, American Bankers Association President and CEO

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Nothing in Washington that is worth that emerges from the deliberations. doing is easy, and tax reform is no exception. Those principles, which are available in There is no doubt full on aba.com, urge policy makers to: that our tax code needs a rewrite. As Congress’ • Lower rates for all businesses Joint Committee on substantially — 15 to 20 percent Taxation points out, has been proposed — to boost since our last overhaul growth and allow U.S. businesses in 1986, our economy to be competitive in the global has nearly doubled in market size, and the internet • Broaden the base and simplify the and globalization Nichols tax code to level the playing field have fundamentally • Specifically eliminate favored tax changed the way we do business. treatment enjoyed by credit unions Today’s tax code fails to recognize these and the Farm Credit System changes, puts us at a global competitive • Consider carefully the effects of disadvantage (the combined state and any potential effort to limit the federal U.S. corporate tax rate of more than deductibility of interest, which 39 percent is two and three times higher could adversely impact economic than that of “competing” countries) and growth. (The extent of tax rate ultimately hinders job and economic growth. reductions will be a key factor in The good news is that leaders in assessing the broader impact of the House, Senate and White House any changes to the deductibility of agree on the need for tax reform and interest.) are committed to its enactment. While • Avoid industry-specific taxes, that creates a solid foundation for this which would be punitive, unfair important effort, we all know it will take and slow economic growth fortitude and persistence to change a • adequate transition time & Print Depot™ g & Breakroom FurnitureProvide Copy tax code that now spans 74,000 pages. for the market and balance sheets • conferences ABA is strongly in favor of tax reform to adjust to the new system that strengthens economic growth and • events jobs. A stronger economy ABA developed these principles through rays andcreates sponges We’ll helpwould you give your Count on us for• copying, seminars good for the country, our members, an internal tax reform working group thatand so much towels be and business a polished, printing more! We have made look. has coordinated closely with ABA’s banker– we’veand gottheir youcustomers. professional • msbankers.com ® Xerox -Certified Print Specialists ourselves a resource to the lawmakers led Taxation AdministrativeOur Committee ! are ready Choose from executive desk collections, and staff who are at the center of this and solicited feedback from bankers to in help you with: seating, classic an shop thousands enormous undertaking,ergonomic providing analysis various lighting, forums. We have highlighted • Color document printing and expertise. We alsostorage are encouraging themuch principles to solutions and more. in communications es online anytime at • Presentation, flyers bankers to raise this topic in meetings Capitol Hill, informing members that fficedepot.com and brochures with their electedFor representatives. will help strongly support tax reform more informationweor for • Promotional products Of course, like others, we have strong efforts that customizing your space, contactalign yourwith these •principles. opinions about specific provisions, like Our below). goal is to encourage Business a smart cards, letterhead Sales Representative (see and envelopes the deductibility of interest and the tax- approach to comprehensive tax reform • And much more! favored status of bank competitors. But we that can help America’s communities thrive. also know that economic growth — which As a veteran of the Treasury tax reform is intended to spur — is priority Department in the early 2000s when number one for our industry, and that any tax cuts were enacted, I know this package put forward must be evaluated undertaking is hard — I have the bruises formation, as contact your Sales a whole, based onRepresentative: its net impact on to prove it. But that doesn’t mean it the economy, banks and bank customers. can’t be done. It can, and we should do Brooke McCoy is why we a set everything in our power to make it happen. est at (901)That 634-3662 or developed david.best@officedepot.com of core principles for tax reform 601-948-6366 © 2017 American Bankers Association. that will serve as the basis for our bmccoy@msbankers.com comprehensive analysis of any package All rights reserved. Reprinted with permission.

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