Maryland Banker 1Q 2016 by The Warren Group

FIRST QUARTER 2016

Timeline of the Formation of the

Maryland Bankers Association Celebrating 120 years (1896-2016) THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION

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CHAIRMAN Daniel J. Schrider President and CEO Sandy Spring Bank

FIRST QUARTER 2016

Timeline of the Formation of the

CHAIRMAN-ELECT George D. Swygert, Jr. Regional Executive Capital One, N.A.

Maryland Bankers Association

Contents

Celebrating 120 years

VICE CHAIRMAN Michael G. Livingston President and CEO The Bank of Glen Burnie

(1896-2016) THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION

PAST CHAIRMAN John A. Scaldara, Jr. Chairman and CEO The Columbia Bank

186 Duke of Gloucester St. Annapolis, MD 21401 410-269-5977 / 800-327-5977 www.mdbankers.com

President & CEO Kathleen M. Murphy

Maryland Bankers Association

Publication Editor Cynthia L. Gentilcore

Maryland Bankers Association

Board of Directors James M. Anthony Chief Operating Officer, Severn Savings Bank

The reverse side of the 1896 Great Seal of the State of Maryland shown on the cover of this issue was used on the Maryland Bankers Association’s Inaugural Convention Program in 1896.

cover Timeline of the Formation of the Maryland Bankers Association Celebrating 120 Years (1896-2016)

Judy Balloff Director, Enterprise Client Coverage, Bank of America Andrew M. Bertamini Regional President, Maryland Market, Wells Fargo Bank, N.A. James R. Bosley, Jr. President and CEO, Farmers & Merchants Bank Kenneth C. Cook President and Vice Chairman of the Board, Revere Bank Sam DiPaola President, Maryland, SunTrust Bank Ralph W. Emerson, Jr. Senior Vice President, M&T Bank Raymond W. Hamm, Jr. Market Executive Greater Maryland, Executive Vice President, PNC Bank, N.A. Michael E. Hough Regional President, Western Maryland and Pennsylvania, BB&T Kim Liddell Chairman, President & CEO, 1880 Bank William J. Pasenelli President & CEO, Community Bank of the Chesapeake Carissa L. Rodeheaver President and CFO, First United Bank & Trust Raymond M. Thompson President and CEO, Calvin B. Taylor Banking Company Thomas S. Wintz President & CEO, Rosedale Federal Savings & Loan Association

08 message from the chairman 120 Years Strong – 1896-2016 message from the president Maryland’s Banking Industry: Its History; Its Knowledgeable Workforce; Its Public Policy Impact; Its Success

5 7

MBA’s 2015 Washington Visit 8 — Empowerment Through Advocacy BankNext 16 PUBLISHED BY

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DEPARTMENTS: news and notes 24 professional development calendar 26

17 First Quarter 2016 | 3

Message from the Chairman DANIEL J. SCHRIDER | MBA CHAIRMAN PRESIDENT AND CEO SANDY SPRING BANK

120 Years Strong – 1896-2016

n Jan. 15, 1896, a circular letter, addressed to various banks and bankers of the state of Maryland simply confine itself to two following inquiries for which it respectfully asked for their prompt consideration and reply to the following: “First: Are you in favor of the organization of Maryland Bankers’ Association?” “Second: Would your bank become a member of such an association?” In response to this 1896 circular letter, approved the formation of the Maryland Bankers Association, calling for its first annual meeting at its inaugural annual convention on April 9-10, 1896. (As written in the Proceedings of the First Annual Convention of the Maryland Bankers’ Association (MBA), held at Baltimore, Thursday and Friday, April 9 and 10, 1896.) 120 years ago MBA’s first President Enoch Pratt (today, the banker leadership is referred to as “chairman”) said in his address to the membership “it is of great importance to us that we should have unity.” I am honored to say that as your 120th chairman, banks and bankers across the state of Maryland have served this statement so well.

a diverse industry from the very large institutions to the smallest community bank in our rural markets. Each bank has unique characteristics to meet the needs of our customers while we all earn the trust of Marylanders by doing what is right for them. To some, the term “bank” is a four-letter word. We know the truth. Maryland families, businesses, our employees and communities are better today due to the work of Maryland banks over the past 120 years. Let’s continue to build upon the legacy of what it means to be a Maryland banker. In celebrating the Association’s 120th Anniversary I share with you on pages 10-14, some history of the formation of your association to help celebrate what Maryland banks and bankers universally and heartily approved 120 years ago. Congratulations to the MBA membership on this milestone achievement. We are excited to see what the next 120 years bring! Thank you for serving our industry so proudly here in Maryland. ■ Dan Schrider is the chairman of the Maryland Bankers Association. Reach him at dschrider@sandyspringbank.com.

From its very beginning, the Maryland Bankers Association has remained true to its mission of unifying the banking industry and effectively telling our story.

Mission Much has changed in the banking industry since 1896, but bankers themselves need the Maryland Bankers Association (MBA) today for much the same reason they did 120 years ago, and even more. From its very beginning, the Maryland Bankers Association has remained true to its mission of unifying the banking industry and effectively telling our story. While so much has changed in our business, your association has been faithful to banks and thrifts of all shapes and sizes. We understand the many benefits to Maryland consumers and businesses by having

Promoting the strength and success of Maryland banks and bankers.

Vision The Maryland Bankers Association is the dynamic, proactive and resourceful leading advocate for Maryland banks and the banking industry, equipping members for continued relevance and success in a rapidly changing world.

First Quarter 2016 | 5

The MBA is the dynamic, proactive and resourceful leading advocate for Maryland banks and the banking industry, equipping members for continued relevance and success in a rapidly changing world.

DYNAMIC

2015-2018 Strategic Priorities Guiding the Maryland Bankers Association

2016 will mark MBA's

120th Anniversary

1896 - 2016 We are Dynamic and ever-changing, and we are prepared for the future! D o u b Being Proactive has been a mainstay of our advocacy success and mostly highly l valued by our members. So maintaining "rock star" advocacy is the lens e through

PROACTIVE

Strengthening Member Engagement Maintaining "Rock Star" Advocacy Ensuring Long-Term Sustainability

H e y !

which we are guided.

c l i Our Resourcefulness has enabled us to build member engagement withcexpansion k for our of programs and services and new partnerships and alliances for solutions

RESOURCEFUL members.

2015 Highlights

t o

e d Professional Development i With today’s challenging environment, new programst were

P r o m o t i n g t h e s t r e n g t h a n d s u c c e s s o f Ma r y l a n d b a n k s a n d b a n ke r s .

Advocacy The number of bills introduced totaled 2,248, taking a position on 198 bills impacting the banking industry. Legislators heard loud and clear from the MBA the very real implications that several pieces of troublesome legislation would have not only on the banking industry but in communities that they serve. In the end, every voice counted, and all of our numerous contacts had a lasting effect. Maryland BankPAC exceeded its $250,000 four-year cycle goal, raising $258,522. January 1, 2015, kicked-off a new fouryear cycle, with support thus far from 32 institutions. Launch of a new informative video discussing the importance of Maryland BankPAC is now available on MBA’s website.

Maryland Bank Services Announcement of new alliances and partnerships with Compliance Alliance, ABA and ICBA, adding to our already 20+ preferred providers providing products and services for member banks.

MBA Benefits Alliance 5 Banks involved to date covering over 500 member employees

"During our first year with MBA Benefits Alliance, not only did Old Line Bank save in excess of $200,000 as compared to our fully-insured quote, we also experienced exemplary service from the team at L.R. Webber Associates." --Cathy Coughlin Senior Vice President and Director of Human Resources

offered to members that included: Enterprise Risk Management, Cybersecurity and Internal Audit Conferences. m

The Council of Professional Women in Banking and Finance surpassed previous conference attendance numbers with 350 in attendance at its Third Annual Conference; and, more than doubling its philanthropy initiative goal of raising $13,137.83 for the Maryland Girl Scouts. “First Friday” Economic Outlook Forum attracted over 500 business and banking leaders. Maryland Banking School celebrated its 40th anniversary with 22 emerging leaders who graduated from this 3-year comprehensive program. Engaging the next generation of banking leaders with the creation of the Next Generation Steering Committee.

Communications The addition of social media to our robust repertoire of member communications allow members to stay informed of the latest MBA updates, with a platform for engagement, sharing and feedback on:

Facebook, LinkedIn & Twitter!

Message from the President KATHLEEN M. MURPHY | PRESIDENT & CEO MARYLAND BANKERS ASSOCIATION

Maryland’s Banking Industry

Its History; Its Knowledgeable Workforce; Its Public Policy Impact; Its Success

s we begin our 120th year, it’s a chance to celebrate what has been accomplished for the industry and to focus on what lies ahead.

Spanning Decades – MBA as an Advocate for Maryland Banks and Bankers With Annapolis being the closest state capital to Washington, D.C., we are engaged with our federal and state policy makers and, in an increasing way, with local governments. The issues are far-ranging and we and our members continue to make a difference. The 2016 Maryland General Assembly 436th session convenes on Jan.13, 2016, a 90-day session that will adjourn on April 11, 2016. We anticipate a large increase in the number of bills introduced this session compared to last, now that the large “freshman” class of legislators has gotten its feet wet. In fact, we are aware of potential legislation on a range of issues – foreclosure reform; condo/HOA fees; business issues such as mandatory benefits and retirement programs; consumer protection bills and more. The session will also be marked by a focus on the 2016 national elections, where Maryland will elect a new senator to replace retiring Senator Barbara Mikulski, as well as at least two congressional seats, where sitting

representatives are running for the open Senate seat. Several candidates for these federal offices hold current posts in the Maryland House and Senate and we work with all of them. The elections will make for some interesting developments, particularly because the Maryland primary is in April. Get involved with your Association! We urge you to get engaged through MBA’s Day in Annapolis, our annual Legislative Dinner and when we call for help in contacting a legislator. Every year, those opportunities generate important results.

Maryland Bank Services, the forprofit subsidiary of the Maryland Bankers Association, that is designed to help reduce member operating expenses, expand member resources, increase member non-interest income, provide economies of scale, and serve employees and customers. (See page 22 for full list of products and services). We encourage our members to consider how the industry’s strength is bringing resources to address your greatest challenges in the areas of health insurance, compliance, credit and debit resources and more.

We Are Stronger Together

Engagement

A strong industry is a united industry. That has certainly been the case in advocacy. The industry is stronger through MBA as a resource for your bank’s training and education priorities. We offer a robust array of conferences, seminars and technologybased learning experiences, not to mention the 41st Annual Maryland Banking School in early August. The Next Generation Steering Committee has been meeting to determine how best to engage with the future leaders of our industry. Look for information on new and exciting initiatives for those 49 years of age and younger. We also offer innovative products and services offered through

We will be on the road, meeting with our members and making the connection between your priorities and how the MBA can help. Through outreach and member engagement, we also learn what is on your mind. As we celebrate 120 years, we do so knowing that the Association has served an essential role in Maryland’s banking industry – its history; its knowledgeable workforce; its public policy impact; its success. Celebrate with us this year as we begin the next 120 years! ■ It’s my honor to serve this great industry. Please contact me at any time to discuss issues of importance to you at kmurphy@mdbankers.com or 443-837-1601. First Quarter 2016 | 7

A Powerful Two Days

2015 Washington Visit

– Empowerment Through Advocacy

Maryland bankers pose with FDIC Chairman Martin Gruenberg.

BA would like to congratulate and thank bankers from across Maryland who participated in this year’s annual Washington Visit for a “powerful” trip to Washington, D.C.! On Nov. 2-3, 2015, bankers from across Maryland convened in the nation’s capital for MBA’s annual Washington Visit. Close to 30 bankers from 20 institutions across Maryland were in attendance to advocate on behalf of Maryland’s banking industry. This year, attendees met with the CFPB, FDIC, FHFA, OCC, Treasury and members of Maryland’s Congressional Delegation to discuss issues of interest to Maryland’s banking industry and advocate on behalf of measures to help bankers better serve their customers.

Top issues MBA discussed during the Hill Visits included: • The critical need for targeted regulatory relief and a national data security standard • Concerns about the proposed reduction in the federal dividend rate to pay for highway funding bill and the FHLBank membership rule, as well as strong concerns about mandating static chip and PIN technology • Banking medical marijuana-related businesses

MBA received terrific feedback from our members, ICBA, ABA, regulatory agencies and congressional offices – both in terms of how well MBA and the participating bankers represented the industry and advocated on the issues and – how worthwhile they felt the program was. George Swygert, MBA chairman-elect, and regional executive of Capital One, N.A., stated it was a “powerful” two days, and attendees shared that they felt empowered through advocacy. The advocacy of attending bankers had a real impact, and the efforts of member bankers made a huge difference. During the Washington Visit, MBA and attending bankers discussed with federal lawmakers the impact that a proposed change in the Federal Dividend to fund the Highway Bill would have. The issue was scheduled for a markup the day after MBA’s Washington Visit. In a floor vote two days after MBA’s Washington Visit, an amendment proposing an alternative funding mechanism for the Highway Bill was adopted by a very strong vote (354-72). Our members made a difference! MBA would also like to thank our event sponsors Federal Home Loan Bank Atlanta, ICBA and ABA for their support of the 2015 Washington Visit. ■ Continued on page 9

8 | The Maryland Banker

Maryland bankers pose for a picture with Rep. Donna Edwards, D-District 4. From left: Keith Sanders, senior vice president snd senior trust officer, First United Trust & Investments; Steve Kensinger, senior vice president, Old Line Bank; Dan Schrider, MBA chairman and president and CEO, Sandy Spring Bank; George Swygert, MBA chairmain-elect and regional executive, Capital One, N.A; Donna Goldey, vice president, lending administration, Community Bank of the Chesapeake; Rep. Donna Edwards, District 4; Jody Yee, vice president and compliance officer, Frederick County Bank; and Kathleen Murphy, president and CEO, Maryland Bankers Association.

Maryland bankers met with Rep. John Sarbanes, D-District 3, to discuss issues of importance to Maryland’s banking industry. Pictured, P.W. Schaffer II, market relationship manager, Sandy Spring Bank (left) and Rep. John Sarbanes.

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First Quarter 2016 | 9

Celebrating 120 Years

Timeline of the Formation of the

Maryland Bankers Association (1896-2016)

Circular letter of Jan.15, 1896, addressed to the various banks and bankers of the state of Maryland, as follows:

Dear Sir: At a dinner recently given the cashiers of the Baltimore clearing house banks to the presidents of said banks, the formation of a Maryland Bankers’ Association was discussed at length, and a committee consisting of the undersigned was appointed to ascertain the feel of the bankers of the state, with reference to this subject. As the matter is one with which all bankers are familiar, it is not necessary for this committee to lay before you the many advantages which would probably spring from such an organization, and it will, therefore, simply confine itself to the two following inquiries, for which it respectfully asks your prompt consideration and reply: First, are you in favor of the organization of a Maryland Bankers’ Association? Second, would your bank become a member of such an association? Very respectfully, J. Thos. Smith,

W. T. Dixon,

Cashier National Bank of Baltimore.

President National Exchange Bank.

Enoch Pratt,

Lawrence B. Kemp,

President, National Farmers & Planters Bank.

Cashier Commercial & Farmers National Bank.

E. J. Penniman, Cashier First National Bank.

10 | The Maryland Banker

he committee mentioned in the Jan. 15, 1896 circular letter was named at the Cashiers’ Dinner, which was given Dec. 12, 1895 to the presidents of the Baltimore Clearing House Banks at Hotel Stafford, Baltimore, who were entrusted with the organization and program of the Inaugural Annual Convention of the Maryland Bankers’ Association. It was under the association’s supervision that the first proceedings were published. In response to this circular letter, answers were received by the committee from 92 banks, bankers and trust companies. Upon receipt of these communications from the bankers throughout the state, universally and heartily approving the formation of the association, the committee was authorized at a meeting of the city banks, held on March 12, 1896, to call the Inaugural Annual Convention on the 9th and 10th of April, 1896.

Inaugural Annual Convention – April 9-10, 1896 At the Inaugural Annual Convention the following Declaration was read in adoption of the constitution and by-laws of the Maryland Bankers’ Association: In order to promote the general welfare and usefulness of banks and banking institutions, and to secure uniformity of action, together with the practical benefits to be derived from personal acquaintance and from the discussion of subjects of importance to the banking and commercial interests of the state of Maryland and District of Columbia, and especially in order to secure the proper consideration of questions regarding the financial and commercial usages, customs and laws which affect the banking interests of the entire state, and for protection against loss by crime, we have to submit the following constitution and by-laws for the Maryland Bankers’ Association. After the reading of the constitution and bylaws of the association, the election of officers took place, which was unanimously adopted. In accepting the position of president, Enoch Pratt said: there was only one position higher than to be its executive head – that was to be president of the United States – a position which he did not want.

1896 Officers PRESIDENT Enoch Pratt President, National Farmers and Planters Bank VICE PRESIDENTS Robt. B. Dixon President, Easton National Bank Elihu E. Jackson President, Salisbury National Bank Spencer C. Jones President, Montgomery National Bank Jno. M. Nelson Hambleton & Co.

Address of the first President of the Maryland Bankers’ Association, Enoch Pratt, Esq., President, National Farmers & Planters Bank (April 9, 1896) Mr. Toastmaster and Gentlemen – I wish to return thanks to you all for your acceptance of the invitation to be our guests on this occasion, and further, I wish to congratulate you on the inauguration of the Bankers’ Association of the state of Maryland, including the District of Columbia. And I hope and trust that the organization that we have formed today will prove a very great benefit to our state and city, as we are now consolidated for purposes of protection and for purposes of aiding and sustaining each other. I trust that our action will prove to the world that we are on a basis at least of sound currency, and wish the debts of the country to be honestly paid. It is of great importance to us that we should have unity. There are banks scattered all over the city and state. We have 148 of them, I believe, in this state, and it is of very great consequence that we should sustain each other and act in common.

Jno. B. Ramsay President, National Mechanics Bank J. Wirt Randall President, Farmers National Bank A.H. Schulz President, German Bank J. Thos. Smith Cashier, National Bank of Baltimore Douglas H. Thomas President, Merchants National Bank Jacob Tome President, Cecil National Bank TREASURER J.S. Westerman Cashier, National Union Bank of Maryland SECRETARY Lawrence B. Kemp President, Commercial and Farmers National Bank

Continued on page 13

First Quarter 2016 | 11

Celebrating 120 Years Fast Forward, 120 Years Later – Address of the 120th Chairman of the Maryland Bankers’ Association, Dan Schrider, president & CEO, Sandy Spring Bank (June 2, 2015)

Continued from page 11

Spring Bank, someone I admired immensely and from whom I learned a great deal. In addition to being a great banker, Willard became chairman of the Maryland Bankers Association in 1991, the same year that launched Operation Desert Storm, when the Dow Jones Industrial Average passed 3,000 for the first time and the same year that brought us the FDIC Improvement Act. As I look back on where we have been as an industry and look ahead to the future, it is a humbling opportunity to be elected as the Maryland Bankers Association’s 120th chairman. I’ve thought about Willard and how it must have been to chair the industry’s Association as the nation worked out of a recession. I’ve also thought about Hunter I grew up in a Hollar, Willard’s successor, who was elected to chair the Association banking family and in 2004 during a strong economic cycle and the emergence of greater watched my father non-bank competition. go to work every day, The theme of this year’s convention “Where Tradition Meets helping others achieve Innovation” embraces two words – tradition and innovation. Both their goals and dreams. words provide some insights into what it means to be in the banking However, I did not set out to be a banker. industry today. Our industry is innovating – it is changing, it is A man named Willard Derrick was a regular customer in the transforming and it is undergoing new and breakthrough ways of butcher shop where I worked and he saw something in the way I providing financial services. interacted with others that led him to ask if I had ever thought about The way we interact with our clients is different today than it was being a banker. Willard Derrick was president and CEO of Sandy for Willard in 1991 or Hunter in 2004. And yet today’s banking industry capitalizes on the best of banking’s traditions. It is still a people business. 2015-2016 Officers The same can be said for our industry’s Association. The MBA is dynamic – it is Chairman Past Chairman Daniel J. Schrider John A. Scaldara, Jr. innovating. And yet it brings people together President and CEO Chairman and CEO just as it did when the Association was Sandy Spring Bank The Columbia Bank formed 119 years ago. Chairman-Elect Treasurer The Association’s three strategic George D. Swygert, Jr. Kathleen M. Murphy priorities are guiding the MBA in equipping Regional Executive President & CEO Capital One, N.A. Maryland Bankers Association our members for continued relevance and success in a rapidly changing world. Vice Chairman Corporate Secrectary Michael G. Livingston Cynthia L. Gentilcore Member Engagement is key for that President and CEO Senior Vice President, COO to happen. For bankers who believe that The Bank of Glen Burnie Maryland Bankers Association they are more successful by connecting Directors with others and who believe a stronger James M. Anthony Michael E. Hough industry is a united industry, why not be Chief Operating Officer, Severn Savings Bank Regional President, Western Maryland and engaged? The MBA is focusing on engaging Pennsylvania, BB&T Judy Balloff more fully and more effectively with our Kim Liddell Director, Enterprise Client Coverage, Bank of America Chairman, President & CEO, 1880 Bank members so that your return on investment Andrew M. Bertamini Regional President, Maryland Market, Wells Fargo William J. Pasenelli is maximized. Engagement also enables President & CEO, Community Bank of the Chesapeake Bank, N.A. the MBA to listen to what our members James R. Bosley, Jr. Carissa L. Rodeheaver want and act on the common goals and President and CEO, Farmers & Merchants Bank President and CFO, First United Bank & Trust challenges. This coming year we will be Kenneth C. Cook Raymond M. Thompson President and Vice Chairman of the Board, Revere Bank President and CEO, Calvin B. Taylor Banking Company focusing on connecting more effectively with Thomas S. Wintz Sam DiPaola you and your associates. We are working on President, Maryland, SunTrust Bank President & CEO, Rosedale Federal Savings & Loan cultivating the next generation of banking Association Ralph W. Emerson, Jr. leaders through MBA’s programs and the Senior Vice President, M&T Bank Maryland Banking School. One of our Raymond W. Hamm, Jr. Market Executive Greater Maryland, Executive Vice newest initiatives is the MBA’s Council President, PNC Bank, N.A. of Professional Women in Banking and Finance, which has embraced a philanthropic 12 | The Maryland Banker

mission that appeals to many of us, particularly the younger banking generation. MBA’s “Rock Star” effective advocacy for the industry is what our members value most so we must make sure everything we do is viewed through the advocacy lens. Our effectiveness is based on a variety of things, not the least of which is member engagement. Our members made the difference in the outcome of a bill in the 2015 session that would have established a sixmonth moratorium on foreclosures in Prince George’s County. And our members’ support of Maryland BankPAC gives us an essential way to solidify our advocacy effectiveness. Finally, long-term sustainability – In 2016, we will celebrate MBA’s 120th Anniversary! Our members want the MBA to be here in another 120 years. We are focusing on expanding and diversifying our revenue streams through new and innovative services, key partnerships and alliances and new or enhanced membership opportunities. We will be soon announcing new compliance resources to help our members with their expanding compliance needs. Member engagement is a key component of sustainability, not only in providing input on your needs, but also in deploying MBA’s resources most effectively in your bank. When we look back years from now on the association’s 119th year, we will not know definitively what history will write about our industry, the economy, our country, the MBA.

What we do know is that our actions will be rooted in the strategic priorities guiding us. We also know that our outcomes will be achieved through the active engagement of our members. While we will innovate, the tradition of people serving people will continue to be the foundation for our industry and for our trade association. It is an honor to serve you.

2016 – 120 Years Strong As we approach our 120th Annual Convention, which will be held on June 5-8, 2016, a different time for sure, but similar in many ways as MBA’s 120th Chairman Dan Schrider commented in his address at the 119th Annual Convention, one being “… the way bankers interact with their clients is different today. And yet today’s banking industry capitalizes on the best of banking’s traditions. It is still a people business. The same can be said for our industry’s Association. The MBA is dynamic – it is innovating. And yet it brings people together just as it did when the Association was formed 119 years ago.” Today, as in 1896, your association is 120 years strong in promoting the strength and success of Maryland banks and bankers. Continued on page 15

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Celebrating 120 Years

Continued from page 13

The Great Seal of the State of Maryland The Great Seal of the State of Maryland is the official government emblem of the U.S. state of Maryland. Its official service is to authenticate acts by the Maryland General Assembly, but it is also used for display purposes at most state buildings. Although the state seal has been changed in design several times throughout history, the current model represents the reverse side of the original seal. The seal consists of two sides, a reverse and an obverse. In official contexts, only the reverse side is used. The first seal was stolen in 1645 by Richard Ingle during a rebellion, but a similar one was sent as a replacement by Cecil Calvert, 2nd Baron Baltimore. This seal was used except for a period from 1692-1715 until a new one was adopted in 1794. That seal used republican imagery, such as a woman holding scales of justice on the obverse and on the reverse the motto “Industry the Means, Plenty the Result.” In 1817 and 1854, symbols of the eagle were used along with a version of the original reverse on the 1854 version. The original Calvert seal was brought back into use in 1874, and has had various corrections made to its image and meaning in 1959 and 1969.

Obverse side Maryland has the distinction of having a dual-sided seal, rare among U.S. states and the world. The obverse side of the state seal, which was described by statute in 1959 (Chapter 396, Acts of 1959), shows Lord Baltimore as a knight in full armor mounted on a charger with a drawn sword in hand. The caparisons of the horse on which Lord Baltimore is mounted bear his family coat of arms. The inscription on the rim of the seal shows the phrase, Cecilius Absolutus Dominus Terræ Mariæ et Avaloniæ Baro de Baltimore, which translates to “Cecil, Absolute Lord of Maryland and Avalon, Baron of Baltimore” (Chapter 79, Acts of 1969; Sections 13-101 through 13-105 of the State Government Article of the Annotated Code of Maryland). The reverse of the seal shows the Calvert arms, described as follows:

Quarterly first and fourth, a paly of six Or and Sable, a bend counterchanged; quarterly second and third, quarterly Argent and Gules a cross bottony counterchanged. Above the shield an earl’s coronet surmounted by a barred helm affronté Argent. The supporters are a plowman (dexter) and a fisherman (sinister), the former holding a spade and the latter a fish; the mantling of ermine (reverse Gules) is entire and surrounds the whole composition. The crest is a crown with two pennants, the dexter Or and the sinister Sable. The state motto, Fatti maschii, parole femine, has its origin in the archaic Italian and translates as “Manly deeds, womanly words,” or more generally, “Strong deeds, gentle words,” which is the translation the Government of Maryland cites officially. Maryland is the only state with a motto

in Italian. The saying is the motto of the Calvert family (the Barons Baltimore) who first founded the Colony of Maryland. George Calvert, 1st Baron Baltimore made it his family’s motto in 1622 and it appears that the saying was well known in 17th century England. The Latin text encircling the seal, Scuto bonæ voluntatis tuæ coronasti nos, is from verse 12 of Psalm 5 from the Vulgate; it translates to “With favor Wilt Thou Compass Us as with a Shield.” The founding date of 1632 completes the circle. Though the reverse side has been the only part of the seal to be cut and is the part of the seal that is primarily used on official government documents, the obverse side can be found displayed around the state, especially on state government buildings, including the Maryland State House. ■

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EXPLORING THE FUTURE OF BANKING

The future of banking came to life at MBAâ&#x20AC;&#x2122;s Fifth Annual BankNext event on Thursday, Oct. 8, 2015 at the Marriott BWI in Linthicum, Maryland. BankNext drew in bankers across Maryland to converged to hear from industry providers and partners to share their field expertise on diverse education seminars on topics that included leadership, compliance, IT, mergers, health care, cybersecurity and marketing â&#x20AC;&#x201C; the critical facets of successful banking in the 21st century. Additionally, 10 rising stars in Maryland banking were honored during the Next Leaders in Banking Awards. We would like to thank all attendees and sponsors for making BankNext a true success!

THANK YOU TO OUR BANKNEXT SPONSORS! Gold Sponors All Covered Dixon Hughes Goodman Paladin fs, LLC VSoft Corporation WolfPAC Integrated Risk Management Silver Sponsors CPI Card Group Saylent Image 4 L.R. Webber Associate Inc. Bronze Sponsor Meyer-Chatfield

How did you come to community banking, and why do you stay? A family friend sat on a bank board and suggested to my parents when I was 18 that I would make a great bank teller. Since I was going to the local community college, it was a great opportunity to work while getting my education. That bank was sold many years later, however, it was while I was there, my manager recommended I look at the bank his wife worked for. It had a lot more growth opportunities. He must have known … And so it began. What do you consider your biggest success? Working for a community bank from its inception and growing it to what it is today. It is really a proud feeling to see the day after day hard work continue to grow the bank and knowing I have an instrumental role in doing that.

Mary Barry Age: 46 Title: Vice President Business Development Officer Bank: Frederick County Bank Town of residence: Frederick

How do you see technology changing the banking industry over the next 10 years? I seeing it enabling our clients to have better management ability of their finances and overall efficiency of banks become stronger as clients utilize their services. It’s something that is happening whether we are ready for it or not. And clients need to trust their bank and take the opportunity to learn the tools that are provided. That is

where community banking comes in strong. We can and do take the opportunity to educate our clients. If you weren’t a community banker, what would you be doing? I would be decorating homes for people and they would be paying me a lot of money to do it. Peyton Manning’s home would be my first stop. Where’s your favorite place to get a crab cake? It is without a doubt Dutch’s Daughter, right here in Frederick – a must-try for all crab cake lovers.

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How did you come to community banking, and why do you stay? I’ve been in the industry for 15 years starting my career with MBNA and then moving to Wells Fargo in 2005. I started in the industry after college because a college friend referred me – it was almost an accidental start in the field. I’ve stayed because of the difference that can be made in people’s lives by helping them be financially successful. What do you consider your biggest success? Lots of successes and failures over the years have helped me become the leader I am today. My biggest successes have come in the form of growing the careers of team members whom I lead. Making an impact on a team member’s life and career in helping them realize their developmental goals is the reason I wake up in the morning.

Chris Cavallaro Age: 36 Title: District Manager Bank: Wells Fargo Bank Town of residence: Perry Hall

What do you consider your biggest success? As far as my career is concerned, I would have to say graduating from Maryland Banker’s School with honors is at the top of my list. Age: 33 Title: Loan & Business Development Officer Bank: Calvin B. Taylor Banking Company Town of residence: Stockton

18 | The Maryland Banker

If you weren’t a community banker, what would you be doing? It’s hard to imagine, at this point, doing anything else that is as fulfilling and rewarding as working with my team and supporting our customers. If I have the good fortune to retire one day, maybe I would run an umbrella stand on a beach somewhere warm. Where’s your favorite place to get a crab cake? Have to have the crab cake at Liberatore’s in Perry Hall. Definitely my favorite!

How do you see technology changing the banking industry over the next 10 years? An increasingly virtual experience feels like the direction our industry is moving towards. That said,

How did you come to community banking, and why do you stay? I completed a summer internship with Taylor Bank for college credit during my senior year. That was my introduction, but I did not want to stay in banking at the time. My father was a banker, so I wanted to make my own path. I took a different job after school selling modular homes in the area. I did not enjoy the sales position, but had interest in the mortgage qualification process. After a year in the wrong profession, I decided to call Taylor Bank and re-join. I stayed for the customer interaction, family friendly working atmosphere and opportunity for advancement.

Lee Chisholm

smartphones and computers can’t give great advice to customers or coaching to team members. So I think having great people will always be a major part of our business.

How do you see technology changing the banking industry over the next 10 years? I see a major decrease in checks, cash and bank branches. More automated “self-checkout” ATM machines in existing branch locations, malls and/or department stores. I would like to think this electronic transition will increase demand for community banks. If you weren’t a community banker, what would you be doing? I joined the bank because I enjoy helping people. I would imagine my career would be customer service related if I never joined a community bank. Where’s your favorite place to get a crab cake? The Narrows Restaurant in Grasonville. It’s worth the trip!

David Gramil Age: 47 Title: Senior Vice President, Team Leader-Commercial Bankers Bank: Revere Bank, Greater Central Maryland Town of residence: Annapolis

How did you come to community banking, and why do you stay? I started working in community banking in the 1990s when a former coworker introduced me to the chief lending officer of a local community bank. I stay because I very much enjoy what I do, helping small businesses become even more successful. I stay in community banking because this atmosphere allows me to be a part of the executive team that sets the tone for the bank, I can be a strong advocate for our clients, and I can directly help to move the needle. I also stay because I get to work with great people inside the bank (some I have work with for more than a decade), and great people outside of the bank (business owners/clients), many I have worked with and built relationships for more than a decade.

are still together says volumes about the strength and depth of our team and the leadership at Revere Bank.

How did you come to community banking, and why do you stay? I was referred to Sandy Spring Bank by my now sister-in-law, who told me what a great place it was to work. I started as a teller and felt like I was part of a family. I stayed because Sandy Spring Bank supported me in my career growth. They continually provided opportunities to learn and grow within the bank. By working for a community bank, I also felt like I was truly helping people navigate through various life events, both good and bad. Becoming a trusted advisor and friend to my clients was and still is very fulfilling.

How do you see technology changing the banking industry over the next 10 years? Thinking about how much technology has changed banking over the past ten years, I can imagine the next ten years will be very interesting. As the Millennial generation requires a more automated interaction, we will be faced with continuing to meet the needs of our typically traditional Baby Boomer clients.

How do you see technology changing the banking industry over the next 10 years? Technology has, at some levels, changed banking over the past 10 years and will continue to change banking over the next 10 years in ways that I cannot predict. What has not changed to this point, and I hope does not change over the next 10 years, is the ability of a community banker to make a positive difference for their clients through hard work, service or products. Our clients have more than a plate full of items to deal with and we can make a difference by making their commercial banking as easy and efficient as possible.

If you weren’t a community banker, what would you be doing? What do you consider your biggest success? Luckily for me, this is a question I have not had I consider my biggest success to be the relationships to consider. I started in banking in 1990 when I I have built with coworkers, clients and the greater graduated from college and I have never considered business community. The commercial team we have at doing anything else. Revere Bank consists of a group of people I have had Where’s your favorite place to get a crab cake? the pleasure of working with at multiple banks (due Friendly Farms in Upperco. to previous banks being acquired). The fact that we

What do you consider your biggest success? I am very proud of my team and the success we have seen at the Clarksville office since my arrival.

If you weren’t a community banker, what would you be doing? I have always really enjoyed working with children, so I think I would be an elementary school teacher if I was not a community banker. Where’s your favorite place to get a crab cake? E.W. Beck’s in Sykesville – they are THE best!

Marla Harrison Age: 35 Title: Vice President, Branch Manager Bank: Sandy Spring Bank Town of residence: Woodbine

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How did you come to community banking, and why do you stay? I came to community banking after working with big corporate names for a few years. I liked the closeness of the employees with the community and felt that I was able to help people with their financial future and being able to customize their needs even better in a community bank. What do you consider your biggest success? I have had a lot of success in many areas of my life. My family is probably my biggest success. Running three half marathons and training for a full marathon has been a great success. Growing within the bank and being an advocate and trusted advisor for my clients has been a great success too. Success comes in many different forms and I’m grateful for experiencing several of them.

Jennifer Jones Age: 37 Title: Vice President, Senior Trust and Investments Officer Bank: First United Bank & Trust Town of residence: Waynesboro, Pennsylvania

How do you see technology changing the banking industry over the next 10 years? We’ve already seen a huge change from the old

How did you come to community banking, and why do you stay? I started my career in community banking as a parttime teller in Westminster, after I was discharged from the Army. I knew that I wanted to work in the field of finance, and figured that an entry-level position would be a great way to learn about banking while “earning my stripes.” I stayed with community banking because there are many avenues that you can direct your career, while being an essential part of your community.

Ryan King Age: 33 Title: Assistant Vice President, Financial Consultant Bank: Susquehanna Bank (Now BB&T) Town of residence: Westminster

20 | The Maryland Banker

school days of account ledgers, to paperless software and I believe technology will only continue to further this process. Banking is ever changing and I think using these advances in technology allows us to do the most for clients. Bankers will become more universal with a good knowledge of all banking services offered and provide a comprehensive approach for clients. Software will help with these comprehensive, customized plans and also for more every day conveniences. If you weren’t a community banker, what would you be doing? Teaching. I love being able to create plans and show others how to put them into use. And I actually teach yoga right now! Maybe one day I can put banking and teaching together. Where’s your favorite place to get a crab cake? Baldwin’s Seafood Restaurant & Crab house Joppa – hands-down awesome food.

How do you see technology changing the banking industry over the next 10 years? Customers are increasingly doing more of their banking online and using mobile devices. I believe this is beginning to challenge community banks with foot traffic opportunities. The ability to cross sell and promote financial products is becoming increasingly difficult. Still, customers have shown a preference to have their investment services with a trusted advisor on a face-to-face basis. Because of this, I believe that investment services is going to become the next “must have” in community banking, to create cross selling opportunities and bring more customers into the bank.

What do you consider your biggest success? Graduating from Colorado State University with my master’s in business administration, while working fulltime with a family. You have to want it, and I mean want it bad. The irreplaceable time that you must sacrifice, in If you weren’t a community banker, what would order to hopefully provide a better future for your family, you be doing? can be draining and rewarding at the same time. I did enjoy my time in the Army. I probably would have applied for my officer’s commission and finished my career as a military man. Where’s your favorite place to get a crab cake? G&Ms in Linthicum, Maryland. Where else?

How did you come to community banking, and why do you stay? I started with Middletown Valley Bank 20 years ago in data processing and bookkeeping. I enjoyed customer service and operations and having the ability to make a difference in people’s daily lives. What do you consider your biggest success? Being a recent part of developing departments, products and services, and people that the bank never had to provide our customers with the service level we are now providing.

How do you see technology changing the banking industry over the next 10 years? Technology will definitely impact the way we service our customers through payment processing and the speed at which we do it. If you weren’t a community banker, what would you be doing? Working with horses in some fashion. Where’s your favorite place to get a crab cake? Dutch’s Daughter in Frederick.

Linda Kinslow Age: 47 Title: Vice President, Operations Manager Bank: Middletown Valley Bank Town of residence: Hagerstown

How did you come to community banking, and why do you stay? I came to community banking just out of college, when I was unsure what I wanted to do with my degree in history, but sure that I needed health insurance! Working at Chesapeake Bank & Trust has challenged me in many ways, and the fact that there is always a different problem to solve and project to tackle is a big part of why I‘ve stayed. The main reason though is the ability to work with great people in a community I love.

Kristen Owen

What do you consider your biggest success? I love the small victories that are results of day-today problem solving. I go to work every day to make myself available to our clients and community to answer questions and help meet their needs. When I‘ve been a helpful resource to someone, I feel most successful.

Age: 32 Title: Assistant Vice President Bank: Chesapeake Bank & Trust Company Town of residence: Chestertown

How do you see technology changing the banking industry over the next 10 years? My hope is that even as technology makes it easier for people to tend to their banking needs remotely, clients

will still value personal connections. My job would be so much less fulfilling if I didn‘t have the opportunity to sit face to face with clients and get to know them on a personal level. If you weren’t a community banker, what would you be doing? I would own a business in downtown Chestertown. My husband and I joke about being innkeepers, but a food truck would be a lot of fun, too. Pizza? Cupcakes? We have too much fun with our friends in the local community to think about wandering too far away. Where’s your favorite place to get a crab cake? At home, making them with crabs leftover from a backyard feast with friends.

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Maryland Bank Services Preferred Providers Can Help! 

Board Portal Financial Services, Inc.



Energy Consulting APPI Energy

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BOLI and Compensation Plans Equias Alliance, LLC



Financial Literacy EverFi, Inc.

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Compliance Services Thomas Compliance Associates, Inc.

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Fixed-Income Investments ICBA Securities

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CRA Solutions Senior Housing Crime Prevention Foundation

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Flood Certifications CBCInnovis

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Credit Cards ICBA Bancard

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Identity Theft Thumbprint Signature

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D&O and Bond Insurance ABA Insurance Services

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News, Data & Analytics SNL Financial

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Disaster Recovery Services Agility Recovery Solutions



On Hold & Lobby Marketing Works24



Document Destruction Cintas Corporation



Printing & Supplies One Point



Employee Benefits Consulting L.R. Webber Associates, Inc.

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Property and Casualty Insurance Zurich American Insurance Company

Maryland Bank Services also works with ABA’s Corporation for American Banking and ICBA to offer additional member benefits from companies affiliated with these national organizations such as: Affinion Group

Promontory Interfinancial Network

UPS

Xerox

These Corporations Can Also Help! MBA Benefits Alliance A non-stock corporation, working with L.R. Webber Associates, Inc., that provides a high quality, competitive, self-funding health insurance program for MBA member banks. Compliance Alliance A company owned in part by the Maryland Bankers Association, including 25 other state bankers associations, is an unique and innovative tool created exclusively for bankers by bankers to help ease the compliance and regulatory requirements that banks face.

Continued from page 21

How did you come to community banking, and why do you stay? My grandfather was a branch manager for a community bank on the Eastern Shore, so at an early age, I learned the importance of a community bank and the value of strong business relationships. When I began my career at Mercantile Safe Deposit & Trust, this business relationship mentality was immediately instilled in my banking philosophy. Coming out of the Great Recession and a tough merger, I was fortunate to be able to join Howard Bank to continue my growth as a community banker. It’s been an exciting and rewarding six years at our bank, as we continue to make an impact in our growing community.

Tyler Wright Age: 33 Title: Vice President, Relationship Manager Bank: Howard Bank Town of residence: Lutherville-Timonium

How do you see technology changing the banking industry over the next 10 years? Technology is a double-edged sword. There are many amazing benefits from banking technology that make banking transactions more convenient for customers and for my colleagues. Unfortunately, technology also makes involvement with your customers less personal due to how communication has evolved. Face-to-face communication is still the best way to foster a strong relationship with your clients. Hopefully technology does not hamper this in the future. If you weren’t a community banker, what would you be doing? General manager of the Baltimore Orioles.

What do you consider your biggest success? Where’s your favorite place to get a crab cake? My growth as a relationship manager at Howard Bank. Local crab meat, Old Bay, and no filler, made by my I am lucky to have had many great mentors in my mom. career, who all have taught me many valuable life and work lessons. I will continue to apply these valuable lessons and I am hopeful this will allow me to continue my growth at Howard Bank.

Congratulations! The executives and employees of Sandy Spring Bank wish to congratulate Marla Harrison on being recognized as a Maryland Bankers Association Next Leader in Banking. Thank you for your 13 years of leadership and service to our community.

personal | business | wealth management | insurance | mortgage

800.399.5919 • sandyspringbank.com

First Quarter 2016 | 23

News & Notes Members on the Move

Mary Anderson

Ronald Hobson

Philip Logan

Mary Anderson joined the Bank of Georgetown as vice president and business development officer of the nonprofit banking group. Anderson is a veteran of the industry with 40 years of nonprofit banking experience in Greater Washington. She spent 17 years at Riggs Bank, and subsequently, she was a relationship manager in the nonprofit groups at Chevy Chase Bank and Capital One Bank and most recently worked as vice president and relationship manager at EagleBank. Ronald Hobson joined the Bank of Georgetown as senior vice president in the government contract lending division; he has over 30 years of government contract lending experience. Hobson worked in the Clinton administration as the associate deputy administrator for government contracting and minority enterprise development at the U.S. Small Business Administration, where he oversaw the nation’s SBA 8(a) program. During that time and since then, he has promoted and advocated the growth and development of small business entrepreneurs, especially women and minorities, doing business with the federal government. Hobson also served at the Pentagon as a non-commissioned officer in U.S. Army Intelligence. Philip Logan joined Chesapeake Bank of Maryland as executive vice president of strategic initiatives. Logan, the former president and CEO of Slavie Federal Savings Bank brings more than 37 years of banking experience to Chesapeake Bank. Brian Cannelongo joined CNB, a member of Shore Bancshares community of companies, as vice president and commercial banking officer. He will be responsible for business development and portfolio management of commercial client 24 | The Maryland Banker

Brian Cannelongo

Patrick J. Casey

Micheal Line

relationships. Prior to joining CNB, he worked as a commercial lender for WSFS. Patrick J. Casey was named executive vice president and director of sales and marketing at Fulton Mortgage Company. He will be responsible for the company’s residential mortgage lending sales, marketing efforts and growth strategy. Casey comes to Fulton from Guaranteed Rate where he held the position of senior vice president and regional manager throughout the Mid-Atlantic region. Prior to this, he worked at SunTrust Mortgage where he was senior vice president and division manager in the greater Washington, D.C., and Maryland areas. Middletown Valley Bank welcomes two new additions to its team. Micheal Line, vice president and commercial relationship manager, brings 19 years of experience in the financial services industry with the last six years spent at Orrstown Bank in various roles. Renai Foltz, residential mortgage banker, brings 15 years of experience in the real estate industry, 12 of which are with residential mortgage banking. Renai will work from the new Hagerstown branch, which opened in October. Two employees of Queenstown Bank of Maryland celebrated their 40th year with the bank: J. Thomas Rhodes Jr. joined the bank in 1975 as a teller and has held various, integral positions through the organization. He is a graduate of Salisbury State College and a 1981 graduate of MBA’s Maryland Banking School. Rhodes was named to the bank’s board of directors in 1982 and since 1992 has held his current position as president and CEO.

Renai Foltz

J. Thomas Rhodes Jr.

Peggy E. Lewis

Peggy E. Lewis also joined the bank in 1975 in its bookkeeping department. During her tenure she has worked through the ranks, being appointed assistant manager of operations in 1988, serving as internal auditor for 18 years, beginning in 1993, before being appointed to her current roles of chief risk officer and senior vice president. Several employees at Queenstown Bank celebrated 25-year anniversaries. Stephanie Morris, who began as a teller/ bookkeeper in 1990 and today holds the title of senior vice president. Phyllis Austin began as a receptionist and is now the collection manager. Helen Aytch began as a teller and today is the electronic banking operations manager. She is also a 2005 graduate of MBA’s Maryland Banking School. Kathy Schindler also began as a teller and is now an assistant branch manager. PNC Bank named Michael Willetts as commercial banking market leader in Greater Baltimore. He will lead a team of experienced advisors who provide financial solutions and industry-specific expertise to help commercial banking clients meet their business goals. Willetts has 15 years of experience in financial services and broad industry knowledge with prior leadership roles in retail, small business, private banking, business banking and mortgage. He joined PNC in 2012 and most recently served as a commercial banking group manager. He was formerly the business banking executive for the Maryland market at Capital One. Severn Savings Bank appointed Christopher Chick as chief lending officer. Chick has 26 years in the banking industry and was previously with Susquehanna Bank, where he held various management positions. Prior

Welcome New Members Associate Member • Hartman Executive Associates

Members in the Community Michael Willetts

Lora Davis

Christopher Chick

Casey Baynard

Tom Saxon

to Susquehanna, he was a bank examiner with the Office of Thrift Supervision. Chick is a graduate of the MBA’s Executive School of Bank Management and serves on the MBA’s Board of Trustees of the Maryland Banking School. He has also been recognized within the industry with various awards including MBA’s Next Leader in Banking Award, and the Smart CEO Top Banker Award. Casey Baynard joined The Talbot Bank, a member of Shore Bancshares community of companies, as vice president and commercial banking officer. Baynard will be responsible for establishing and maintaining commercial and consumer banking relationships with members of the community while assisting customers with their financing needs. Prior to joining The Talbot Bank, she worked for Easton Bank & Trust and held several positions over the course of 11 years as she grew her career in the financial industry. Wye Financial & Trust, a division of CNB and a member of Shore Bancshares community of companies, promoted Lora Davis to assistant vice president. Davis joined Wye Financial & Trust in 2006 as a Financial Advisor. Tom Saxon joined Wye Financial & Trust as a financial advisor. Saxon will be responsible for delivering personal investment solutions to help clients work towards their long-term financial goals. Alicia L. Wilson was elected as a member of the firm at Gordon Feinblatt LLC. Wilson is a member of the labor and employment and litigation practice groups and is chair of the firm’s diversity committee. She represents clients in state and federal claims involving race, age, disability, gender and sexual orientation discrimination, as well as sexual harassment, retaliation, wrongful discharge and wage and hour issues. ■

Three Member Banks Named Best Placed to Work American Banker ranked 50 of the “2015 Best Bank to Work For” and three of them are MBA member banks: Bank of Georgetown, Congressional Bank and Somerset Trust Company. The program, which identifies, recognizes and honors 50 of the nation’s best banks to work for, is a project of the American Banker and Best Companies Group. Best Companies Group managed the overall survey process, analyzed the data and determined the final ranking. It evaluated each participant’s workplace policies, practices and demographics. It then assessed the experiences and attitudes of individual employees with respect to their workplace through employee surveys. Congratulations to all!

CCB Opens New Branch in Bethesda In September, Carroll Community Bank (CCB), a community commercial bank headquartered in Carroll County, opened a new branch in Bethesda, Maryland, its first in Montgomery County. A grand opening and ribbon-cutting ceremony was held Oct.15, 2015. This is the bank’s third location, with full-service branch offices in Eldersburg and Westminster.

New Preferred Provider Maryland Bank Services, the for-profit subsidiary of the Maryland Bankers Association, which offers innovative products and services that is designed to help reduce member operating expenses, expand member resources, increase member non-interest income, provide economies of scale and serve employees and customers, welcomes the following New Preferred Provider: ABA Discover Debit Program provides financial institutions with an uncomplicated approach to signature debit supported by an experienced team that works behind the scenes to ensure a seamless implementation and reissue process. The program provides a boost to bank revenue with highly competitive interchange, significantly lower network fees and greater reporting clarity – all while keeping the bank’s brand front and center.

First Quarter 2016 | 25

Mar yland Bankers Association Professional Development Calendar A Local ABA Training Provider

SPECIAL EVENTS January 27-29 Southeastern Conference of Community Bankers

February 10

Day In Annapolis

SEMINARS, WEBINARS, SCHOOLS, AND ONLINE TRAINING Compliance

Lending

January 21

ACH Rules Update

February 8

Commercial Lending (ABA)

February 1

Unclaimed Property Compliance

February 10

Loan Documentation 101: Part 1

February 2

Lending Compliance

February 15

Loan Documentation 101: Part 2

February 4-5

Call Report Revisions & Holding Company Reports

February 16

Analyzing Financial Statements (ABA)

February 12

Call Report Lending Schedules

February 17

Loan Documentation 101: Part 3

March 4

Call Report Revisions & Update

February 22

Consumer Lending (ABA)

March 8

Regulation E

February 23

Complying with the New Integrated Mortgage Disclosures (PBS)

March 14

CRCM Online Review Course (ABA)

February 24

Mortgage Lending Start to Finish (PBS)

April 22

2016 Anti-Money Laundering & Bank Secrecy Act Seminar (PBS)

February 25

2016 Mastering HMDA (PBS)

February 29

Intro to Agricultural Lending (ABA)

Intro to Mortgage Lending (ABA)

March 1

Lending Compliance

March 2

Basics of Real Estate Loan Documentation Part 1

Executive Management & Directors February 22

Certified Community Banking Board of Directors (SBS)

Finance February 1

Analyzing Bank Performance (ABA)

March 3

Basics of Real Estate Loan Documentation Part 2

Managing Funding, Liquidity & Capital (ABA)

March 28