fall 2015 georgia communities first magazine

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Member:

• Meetthe2015-2016BoardofDirectors

• CBAEndorsesKASASAbyBancVue

• Highlightsfromthe47thAnnualMeeting&TradeShow

• CelebratingaLifetimeofService

INSIDE

Fal l 2015 | Georgia Communit ies F i rst | 1

Rob Braswell President & [email protected]

Steven RigdonDirector of Legislative & Regulatory Affairs [email protected]

Lindsay Greene Vice President Marketing & Member Services [email protected]

Tony Moore Graphic Design [email protected]

Brittany LockeMarketing & Member Services [email protected]

Peake Wilson Vice President Corporate Events & Leadership Division CBA Corporate Secretary [email protected]

Teresa Day Administrative & Corporate Events [email protected]

Jodi Swilley Director of Education & Professional Development [email protected]

Donna Coutant Education Coordinator [email protected]

Connie Shepard Education Associate [email protected]

Tammy Maass CFO [email protected]

Nick Wilborn Accounting/IT [email protected]

GEORGIACommunitiesFIRST F E A T U R E S

FALL 2015

page23|EducationalOpportunities

CBA STAFF

S T A Y C O N N E C T E D

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page17|LifetimeServiceAwardWinners

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Meet CBA's 2015-2016 Board of Directors

Misguided Guidance

The Year in Numbers

General Counsel Corner: FFIEC Assesment Tool Helps Officers and Directors Address Cybersecurity

Guest Article: Planning New Products? Changing Strategic Direction?

Guest Article: What it Takes to Score a High-Performing Advisor in Your Community Bank

Celebrating a Lifetime of Service

Guest Article: 17 Questions to Ask Your Benefits Plan

Spotlight: Getting to Know Scott Brown, Continuity

CBA’s 47th Annual Meeting & Trade Show

Community Bankers Association of Georgia1900 The Exchange, Suite 600, Atlanta, GA 30339

(770) 541-4490 or (800) 648-8215 • Fax (770) 541-4496www.cbaofga.com • [email protected]

page12|HighlightsfromtheAnnualMeeting&TradeShow

page6|CBAWelcomesNewBoardofDirectors

Come On, Get

Guest Article: Cybersecurity: You’ve Been Hacked

Educational Opportunities

Scan with your smartphone to view our website.

2 | www.cbaofga.com |Fal l 2015

fundamental duties and responsibilities, determining your bank’s pricing of loans and deposits, understanding the Leadership Challenge and Strategic Thinking, and hearing lessons learned and friendly advice from a bank CEO.

• We conducted 19 corporate events not already mentioned. These consisted of five Spring Regional Luncheon Meetings across the state, four Banker Regulatory Forums, two conventions, two sporting clay fund raisers, two golf tournament fund raisers, our 2nd Annual Women in Banking Seminar, an OCC roundtable meeting with national banks, a revamped Community Bankers Day at the Capitol, and a record-setting Washington Policy Summit.

Our Education Department, also known as The CBA University, conducted:

• 144 Webinars covering a variety of topics designed for all positions, from the frontline to the boardroom. Over 1,350 people participated in these webinars.

• 7 Schools consisting of Commercial lending Schools, a Consumer Lending School, BSA “Basic” Schools, and a Deposit & Lending Compliance School

• 4 Conferences consisting of the Workplace Law & Compliance Conference, CFO Conference, Bank Directors’ & Executive Management Conference and the Bank Directors’ College.

• 44 Seminars - Topics included the new mortgage disclosures, deposit documentation, deposit regulations, BSA, HMDA, HELOC, credit analysts, ALLL, loan documentation, CRE appraisals, collections, employment regulations and more.

• The 55 classroom offerings equated to 71 training days of instruction for 1,426 students.

Please know that our commitment to community banking can never be boiled down to simple numbers, after all, we are a relationship-driven association that is here to serve your needs. However, I thought you may find it interesting to see the activity in numbers and see why I am excited about the future of community banking and our association. You can be assured our tag line, "We are community banking.” drives every initiative or endeavor we undertake.

Thank you for allowing us to be a part of your life, bank or company this past year. We look forward to partnering with, and serving, you and your bank or company for years ahead.

Best regards,

The Year in NumbersAs we closed our books September 30th on another fiscal year, I thought it may be interesting for you as a member or community bank supporter to see in numbers what your association was up to in 2015. As you will see, it was a very active and dynamic year with several new initiatives implemented to address the constantly evolving needs of our industry. Here’s a look back “in numbers” at our just completed fiscal year.

• Our member banks enjoyed over $1.5 million in savings this year due to discount pricing offered by our 31 Endorsed Member Companies.

• Our Association approved 32 new Associate Members, many offering services in new categories for our membership.

• We reached approximately 20,000 people via social media channels – Twitter, Facebook and LinkedIn.

• We received over 100 media features or mentions which include interviews with business publications, media placements, and press releases.

• We developed and electronically published 50 editions of our newsletter, with a weekly mailing list of over 5,100 subscribers.

• We continued the process of constantly enhancing our events through the terrific participation of our sponsors. Sponsorships increased to $155,000; a 48% increase over the previous year and 24% over our budgeted goal.

• Staff members visited 401 banking offices, consisting of 161 banks and 240 branch offices.

• We added 14 new Leadership Division Representatives from banks that did not previously have representation. 85% of our member banks now have a Leadership Division Representative.

• Our Leadership Division raised over $31,500 for Children’s Healthcare; and has contributed over $447,000 to this terrific cause since 1989.

• We had 44 banks participate in just our second annual Community Bank Salary Survey. This feature has quickly become popular as evidenced by a 50% growth in participants from the first year.

• We had 39 banks receive answers to 96 questions by utilizing the complimentary CBA Legal Hotline.

• We received 62 applications from 34 member banks for the Julian & Jan Hester Scholarships. We awarded four $1,000 scholarships to incoming freshmen at Georgia colleges and universities. Since inception in 1989, over $100,000 in scholarships have been given to high-achieving students.

• We also awarded a $500 J. Steven Walraven scholarship to a deserving banker that is continuing his education at a Georgia college or university.

• We introduced our new Community Bank Leadership Academy with three separate seminars covering topics such as leadership succession planning, a community bank director's

F R O M T H E P R E S I D E N T ' S D E S K

R o b B r a s w e l l P r e s i d e n t & C E O

C o m m u n i t y B a n k e r s A s s o c i a t i o n o f G e o r g i a


while asking FASB to exempt financial institutions with $10 billion or less in assets from its guidance, we have offered a more feasible alternative.

To achieve FASB’s objectives, ICBA has proposed allowing community banks to rely on historical credit losses to build their loan-loss reserves. Our alternative would base loan-loss calculations on a specific measurement of impairment that would more accurately reflect credit risks inherent to nonperforming financial instruments. Using these real-world calculations, community banks could also easily manage—and investors could more easily comprehend—their loan-loss reserves without relying on complex, time-consuming and highly theoretical software modeling.

Please stay alert and be ready to respond to this accounting guidance! Time will tell whether FASB changes its course. But ICBA and community banks must be ready to take our reasonable case and practical policy alternatives to regulators and, if necessary, to Congress. We have proven time and again that we can handle almost any challenge when we stand together. On this issue, offering a third way to a much more effective alternative, we can once again ensure common sense wins out in Washington.

F I N E R P O I N T S

C a m F i n e P r e s i d e n t & C E O

I n d e p e n d e n t C o m m u n i t y B a n k e r s o f A m e r i c a

Misguided GuidanceYea or nay, either support or oppose. Sometimes advocating in Washington seems to involve a roll call of those binary choices. But often effective advocacy involves a third option that provides constructive alternatives to poor proposals, particularly those trying to address commonly recognized concerns.

For more than three years ICBA and community bankers have been heavily involved in the third advocacy approach to repair the Financial Accounting Standards Board’s proposed guidance to impose a new expected-loss credit impairment accounting model. The final FASB Accounting Standards Update, which would broadly apply the new impairment model to all community banks under GAAP principles, is expected to be released by year’s end. Unfortunately, if FASB adopts the proposed standard without the critical changes ICBA and community bankers have advocated, the guidance will impose terribly costly and unwieldy accounting burdens that will unnecessarily harm community banks and, by direct extension, local economies.

Developed in response to claims that loan-loss reserves at the largest Wall Street institutions proved inadequate during the last financial crisis, the FASB guidance would force every community bank to adopt a single megabank approach for recognizing credit losses sooner in the credit cycle. While most community banks agree with FASB that recognizing credit losses sooner will help cushion against economic downturns, the current guidance FASB has proposed is highly impractical for community banks.

Unless FASB changes course, community banks will be required to estimate credit losses for every loan and recognize the net present value of those estimated losses at origination. As a result, the guidance would immediately impose financial statement losses when loans are first originated or acquired—theoretical losses that most likely would never materialize. And in addition to imposing overly complex and costly credit modeling methods that community banks could not afford, the guidance would severely and unnecessarily reduce community banks’ capital, earnings and valuations.

Backed by thousands of community bankers and 41 state banking associations, ICBA has repeatedly explained to FASB how community banks and local economies would be seriously harmed by the currently proposed standard. Just as important,

Read the Plan

ICBA’s alternative to the Financial Account Standards Board’s proposed expected

credit-loss accounting guidance is online at

www.icba.org/creditlosses.

4 | www.cbaofga.com | Fal l 2015

CornerG E N E R A L C O U N S E LFALL 2015

JBJBPRESENTED BY GEORGIA’S LAW FIRM:

legal news and

updates for cba members

Financial institutions are the objects of frequent and sophisticated cyberattacks. The sources of potential cyberattacks have multiplied over the past decade, with threats no longer limited to crafty internet hackers attempting to access customer account information through an institution’s website. For example, sophisticated fraudsters recently have accessed confidential customer information by loading malware onto point-of-sale card readers, by hacking into vendor computer networks and by accessing employee laptops.

The implementation of effective controls to protect against cyberattacks should be a key component of every financial institution’s enterprise risk management plan. A successful cyberattack can be costly, including the costs for customer reimbursement, card reissuances, litigation and fraud monitoring services. Failure to prevent a cyberattack can also damage an institution’s market reputation, attract regulatory scrutiny and raise questions about the board’s competence.

THE FFIEC CYBERSECURITY ASSESSMENT TOOLFinancial institutions are required by law to safeguard confidential customer information. To assist in this endeavor, the Federal Financial Institutions Examination Council has developed a “Cybersecurity Assessment Tool” to be used by FDIC insured depository institutions (www.ffiec.gov/cyberassessmenttool). The Cybersecurity Assessment Tool provides a repeatable and measurable process for institutions to measure their cybersecurity programs. The Cybersecurity Assessment Tool consists of two assessments: the “Inherent Risk Profile” assessment, and the “Cybersecurity Maturity” assessment. The Inherent Risk Profile assessment measures a financial institution’s inherent vulnerability to cyberattacks. The Inherent Risk Profile incorporates the type, volume and complexity of the institution’s operations across five risk categories through which the institution’s activities, products and services are assessed according to risk levels ranging from least inherent risk to most inherent risk. The five categories are: technologies and connection types; delivery channels; online/mobile products and technology services; organizational characteristics; and external threats. Once the tool identifies the institution’s inherent risks and the threats associated with specific products, activities or services, management will then perform the second assessment.

The Cybersecurity Maturity Assessment helps management measure the institution’s level of risk and corresponding controls. Under this assessment, the cybersecurity operations of the financial institution are categorized into five domains, which are evaluated through a series of “assessment factors.” For example, one domain, “Cyber Risk Management and Oversight”, is evaluated by examining the institution’s governance processes, risk management procedures, employee training practices and internal resource allocations. After completing the Cybersecurity Maturity Assessment,

management will assign one of the following maturity levels to each domain: 1. Baseline- the financial institution adheres to the minimum expectations required by law and includes primarily client-driven objectives. 2. Evolving- the financial institution implements additional formalities and documented procedures or policies that are not already required by law. 3. Intermediate- the financial institution’s cybersecurity system follows detailed, formal processes and the controls are both validated and consistent. Risk management practices are integrated into a broad comprehensive strategy. 4. Advanced- the financial institution’s cybersecurity practices are well integrated across the business. Practices are automated and continue to improve. 5. Innovative- the financial institution is an industry leader in cybersecurity processes, development and technologies.

For directors and officers, use of this self-assessment tool will assist in developing effective safeguards to protect their institutions against cyberattacks.

WHEN PREPARATION AND PROCESSES FAILUnfortunately, not all cybersecurity risks can be identified and eliminated. In addition to developing effective controls to protect against cyberattacks, directors and officers should also consider purchasing a specific cybersecurity liability insurance policy (“Cyberpolicy”). Cyberpolicies are not standard components of traditional corporate insurance programs, but such policies provide valuable protection against financial losses inflicted by successful cyberattacks. Cyberpolicies are relative newcomers to the insurance market and should be tailored to an institution’s risk profile.

Cyberpolicy coverages typically include the following: liability expenses (i.e., defense costs, damages, loss of customer funds, credit monitoring costs, forensic investigations and regulatory fines) connected to network security failures, wrongful disclosure of confidential information, regulatory investigations and attacks facilitated by a third party vendor; and losses suffered by the institution as a result of a network related business interruption. Directors should also review the institution’s D&O insurance coverage to ensure that it provides appropriate protections in the event that a cyberattack results in breach of fiduciary duty claims against directors and officers.

CONCLUSIONThe risks posed by cyberattacks are an unfortunate reality in the financial services industry. Financial institutions should use a multifaceted approach to shield themselves from such risks. Directors and officers should ensure that their institutions are using effective cybersecurity risk assessment tools to identify potential cybersecurity threats, implement effective controls to mitigate such threats and ensure that appropriate insurance coverage is available to protect the institution and management.

OFFICESMACON + ATLANTA

cbahotline@ jamesbatesllp.com

“General Counsel Corner,” a recurring column featuring legal news and information of interest to CBA members, is brought to you by James-Bates-Brannan-Groover-LLP. Visit us at GeorgiasLawFirm.com

Have a topic you would like to see

covered in “General Counsel Corner?”

Email us at generalcounselcorner@ jamesbatesllp.com

FFIEC Assesment Tool Helps Officers and Directors Address Cybersecurityby Thomas A. Simpson

Thomas A. Simpsonassociate (404) 997-7506

[email protected]


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Welcome 2015-2016 CBA Board of Directors!

Chairman

Dale Morris First National Bank of

Coffee County, Douglas

Chairman-Elect/Committee Chair: Nominating &

Political Affairs

Ed Cooney Affinity Bank

Atlanta

Vice Chair/Committee Chair: Audit & Member

Services

Lisa Lane State Bank & Trust Company, Macon

Treasurer

Brad Serff Providence Bank

Alpharetta

At Large

Dan Oliver Vinings Bank

Smyrna

Immediate Past Chairman

Charlie Curry First State Bank of

Randolph County, Cuthbert

Division 1 Chair Division 5 Chair

Division 10 Chair

Division 2 Chair Division 6 Chair

Division 7 Chair Division 8 Chair Division 9 Chair

Division 3 & Membership Committee Chair Division 4 Chair

Al Ross Peoples Bank

Lyons

Charles Rooks Family Bank

Pelham

Derek Williams Century Bank & Trust

Milledgeville

George Lazenby Newton Federal Bank

Covington

Elliott Miller Georgia Banking

Company, Atlanta

Henry Pope Exchange Bank

Milledgeville

David Caswell Century Bank of Georgia

Cartersville

Tim Jones Citizens Community Bank

Valdosta

Drew Walker Community & Southern

Bank, Cumming

Amrey Harden Oconee State Bank

Watkinsville

Ex- Officio (ICBA)

Paul Bennett Alma Exchange Bank

Alma

Member at Large

Pat Blanchard State Bank & TrustAugusta

Member at Large Member at Large

Committee Chair: Banker Regulatory Forum

Ron QuinnPeach State Bank

& Trust, Gainesville

Bran ThompsonSouth Georgia Bank

Glennville

Clark HungerfordVinings BankSmyrna

Member at Large

Honorary Member

Member at Large

Kyle RayFirst Bank of Dalton

Member at Large Member at Large

Mike Henry Persons Banking Company

Forsyth

Bill EasterlinQueensborough National Bank

Louisville

Scott TomlinsonFlint Community Bank

Albany

Rob BraswellCBA of Georgia

Atlanta

Sponsored by

4th Quarter Banker Regulatory Forum, November 5th

The CBA invites you to make plans now to attend the 4th quarter Banker Regulatory Forum and luncheon to be held on Thursday, November 5, 2015, at the Julian Hester Training Center (JHTC), CBA Headquarters in Atlanta. The goal of this forum is to establish a dialogue with the state and federal regulatory agencies in furtherance of the following objectives:

• obtain timely, useful information from the regulatory agencies regarding their policies, procedures, techniques, and objectives;

• communicate information obtained from the regulatory agencies to the CBA members through timely publications;

• serve as a clearing house for the CBA member bank concerns, receiving information from members regarding regulatory and agency problems and issues; and,

• assist in the development of the CBA positions on pending, as well as existing regulations, interpretations, and rules.

To learn more about the program or to register, please contact Peake Wilson at [email protected].

Make Plans to Attend the 4th Quarter Community Bank Leadership AcademyThe fourth quarter Community Bank Leadership Academy is taking place on Wednesday, October 28, 2015, at Idle Hour Country Club, Macon. The topics for the session are "How to Handle Robbery, Hostage & Workplace Violence" presented by security expert Carol Dodgen; “Legal Dos and Don’ts Regarding Interviewing Prospective Employees” presented by Ray Stanford of SIO Law Group; and, “The Hottest of the Hot Button Issues in Your Biggest Assets - Human Resources” presented by Gene Caudle, Onesource HRM.Benefits of participation:• Gain knowledge to enhance your leadership skills and strategic

thinking to prepare you for your next leadership role• Learn from local and national industry instructors, coaches,

mentors and peers• Stay abreast of industry hot topics• Network with other community bank leaders• Receive CPE/CLE Credits upon request• Understand the importance of succession planning• Much more!

To learn more about the program or to register, please contact Peake Wilson at [email protected].

JBThank you to our lunch sponsor


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J. David Jordan Vice [email protected]

Karen GrahnVice PresidentManager, Credit Card [email protected]

Rik LaneSenior Vice President - GA, [email protected]

Bill DackoSenior Vice President- [email protected]

Steve Shelton Senior Vice President - TN, [email protected]

OUR NAME IS OUR MISSION

Senior Vice President - AL, MS, [email protected]


CBA Endorsed Member Company SPOTLIGHT

Tell us about Continuity and what you do?Continuity’s founders knew almost a decade ago that compliance was becoming an ever increasing burden for all banks but especially community banks. With that they set out to create a solution that blended technology and people to automate compliance management for financial institutions of all sizes. I now have the pleasure of being the Regional Vice President for

the southern territory including Georgia. I’ve been involved with, in and around, community banking for over 20 years.

How do you help Georgia’s Community Banks?Our hope is that between our regulatory experts (ex-examiners, compliance officers, auditors and legal counsel) we have on staff in the Regulatory Operations Center (ROC) and the technology that supports the Compliance Core™ we can educate and simplify the way banks in Georgia are handling compliance. We want to be your partner to address all your compliance needs making sure that you never miss a regulatory change and also completely understand how it affects your bank and what you need to do about it.

What's new at Continuity?We recently launched RegAdvisorPro™, which automates the life cycle of regulatory changes from the tracking and identification of changes, expert analysis, project planning and implementation of tasks. RegAdvisorPro is designed to save time and energy while lowering risk, using our tracking technology, and having full access to our team of regulatory experts and dedicated project management technology to minimize the burden of keeping up with Washington.

Tell us about yourself.I studied and received a degree in Marketing from the University of Alabama, which led me to sell Software as a Solution products for over 10 years, served as a District Sales Manager with the Harland Company, and spent 7 years working with Banker’s Dashboard, both of which are in Georgia.

Getting to Know Scott Brown

I volunteer at the food and clothing pantry and I currently serve as a Vestry member of St. Mark’s. I also contribute to the local community “Canoe Trail”, and am active in local politics.

Hobbies? Family? Children?I’ve been married for 26 years and have two children. My daughter recently graduated nursing school and she now works at the Children’s Hospital in the transplant recovery wing in Birmingham. She continues to make her mother and me proud by continuing her studies for a doctorate as a Nurse Practitioner. Our son is currently a sophomore attending school on academic scholarship to study Global Information Systems. He plays on his school’s golf team, and is a YMCA camp instructor come summer time.

Scott Brown, Regional Vice President of Sales

In my spare time I enjoy camping, hiking, playing tennis, kayaking and golf. I also really enjoy watching and attending college baseball and football games with my kids. Something people don’t really know about me is that on the side, I dabble in landscape design. We acquired the newest member of our family six years ago, Millie, a piebald dachshund. Chances are if you and I are talking on the phone, you will hear her in the background.

To learn more about Continuity, contact Scott Brown at 334-328-5731, [email protected] or visit www.continuity.net.


Come on, GET HAPPY! was the theme and atmosphere for CBA's 47th Annual Meeting & Trade Show held September 23-27 at The Westin Savannah Harbor Golf Resort & Spa! From the maxed out Trade Show full of incredible products and services to the exciting Golf Tournament with alligators!...from the Silent Auction to the thousands of dollars in cash prizes...from the jewelry making spouse program overlooking the Savannah River to the competitive Twitter Challenge...from Changing Banking Analytics to Disruptive Innovations in Banking...from A Conversation with the Regulators to Keys to Growth...from "Momma Told Me There'd Be Days Like This" to "The Hows and Wise of Happiness at Work"...from the Chairman's Awards Banquet to "Happy is a Choice" the Annual Meeting was chock-full of happiness and so much more!

While we consider everyone who attended a winner, there were cash prize drawings and other awards presented

throughout the event...

Lisa Lane, Corporate Services, State Bank & Trust, Macon, won $1,000 after Friday's "7-Minute Spotlight" presented and sponsored by Steve Sievert, Executive Vice President of Marketing & Communications, PULSE.

Kathryn Parrott, Compliance & BSA Officer, First Peoples Bank, Pine Mountain, won $1,000 after Saturday's "7-Minute Spotlight"

presented and sponsored by Philip Earnest, Sr. Vice President, First National Bankers Bank (FNBB), Birmingham, AL.

David Edwards, Chief Credit Officer, Community & Southern Bank, Atlanta, won Friday's $300 cash prize, sponsored and presented by Dennis Christianson, Secured Retirement Strategies Group, LLC, Milwaukee, WI. Dennis was also on-hand to award Saturday's $300 cash prize to Gerald Lewis, President & CEO, Bank of Wrightsville.

We Got Savannah!in

CBA’s 47th Annual Meeting & Trade Show!


There was plenty of excitement on the golf course Friday afternoon - and not just because of the alligators! The Longest Drive was hit by Jeffrey Maas, CBIZ, Brooklyn Center, NY. Closest to the Pin was Clayton Braswell, ATM Response, Suwanee. The first place team with a combined score of 59 was Dan Speight, State Bank & Trust, Macon, J.R. Llewellyn, Compensation Advisors, Greensboro and Mark Fucci, SHAZAM, Birmingham. The second place team with a combined score of 60 was Clayton Braswell, Grant Armistead, BancVue, Austin, TX, and CBA's own Steven Rigdon. Jeffrey, Grant and Steven graciously donated their winnings back to the CBA.

And congratulations to everyone who participated in the #GETHAPPY Twitter Challenge! Even if you didn't win cash you were still a winner because you learned a new skill and got a glimpse at how the younger generations communicate and network! Cash was awarded to the following participants: Doyle Baker, Harland Clarke, for his "Exhibitor with a Banker" tweet; Amrey Harden, Oconee State Bank, for the most "Exhibitor" tweets and for his "Clever Tweet"; Scott Tomlinson, Flint Community Bank, for tweeting the most in all five categories; Clark Hungerford, Vinings Bank, Tim Jones, Citizens Community Bank, and Brad Serff, Providence Bank, also won for their "Clever Tweets" - we are very grateful to everyone who played along!

The Chairman's Reception, Banquet and Entertainment were held at the Legends Pavilion at The Club at Savannah Harbor. Corbin Hoats returned to entertain everyone during the reception held outdoors in the amazing autumn air. During the Banquet, all Annual Meeting sponsors and PAC/PR donors were recognized; Lifetime Service Awards were presented; and, a plaque and gift were presented to


Dale Morris, President & CEO, First National Bank of Coffee County, Douglas, for his year of service as CBA Chairman of the Board. His wife, Kelly, also received a gift. Those who were recognized for their Lifetime of Service to the banking industry were Ann Bledsoe, Calumet Bank, LaGrange - 42 years; James Powell, Highland Commercial Bank, Marietta - 46 years; Lanelle Jarriel, Pineland State Bank, Metter - 50 years; Gerald Lewis, Bank of Wrightsville - 50 years; Mary Donna Lunceford, F&M Bank, Washington - 50 years; and, Judy Turner, Private Bank of Decatur - 50 years. All Lifetime Service Award honorees received a commemorative plaque, and those with 50 years also received a custom gold and diamond lapel pin. Congratulations to everyone!

Ed Cooney, President & CEO, Affinity Bank, Atlanta, began his one-year term as CBA Chairman by delivering a heartfelt and passionate message about the strength and resilience of community banks, the enormous impact community banks have on their local economies, and how and why our members are different from the mega banks.

The event concluded after the hilarious comedy and magic of Tim Gabrielson who shared his message "Happy is a Choice" and gave a few pointers on how to "Keep it Funny" in our everyday lives. A special thanks to Mark Fucci of SHAZAM and Lanelle Jarriel, Pineland State Bank, for being so entertaining and brave onstage with Tim!

The convention would not have been possible without the support of the sponsors and exhibitors – thank you!

38th Annual Leadership DivisionConvention & Mini-Trade Show

Wednesday - Sunday, June 22 - 26, 2016Disney’s Contemporary Resort • Lake Buena Vista, FL

48th Annual Meeting & Trade Show

Wednesday-Sunday, July 20-24, 2016Fairmont Southampton, Bermuda

Save the Dates for our 2016 CONVENTIONS!


Thank You to our Exhibitors!

Thank you to our Sponsors!

Silver Sponsors Bronze Sponsors

Platinum SponsorsPlatinum Elite

Individual Event Sponsors

Golf Tournament Prizes

Friday & Saturday Cash Prize

Name Badges

Hotel Key Cards

Bottled Water &Welcome Refreshments

Registration Packet& Meeting Space WiFi

Convention Program

Thursday Night Dessert & Coffee

Thursday Night Carving Station

Thursday Night Bars & Specialty Drink

Friday Promo Materials& Saturday Break

Friday Breakfast

Chairman's Banquet& Back Nine Golf Sponsor

Friday’s7-Minute Spotlight

Saturday’s7-Minute Spotlight

Golf Tournament Beverage Cart& Chairman’s Banquet

Photo Booth

Saturday Night Entertainment

Silent Auction Flyer

#GETHAPPY Twitter Challenge

Tote BagsBoard Meeting Refreshments

JBBoard Appreciation Dinner

CompensationAdvisors

Board AppreciationReception

Friday Break

Signs provided by

Keynote SpeakerWHOLESALE DIVISION

AmTrust North America Tina HobbsATM Response Clayton BraswellBanc Consulting Partners Brian MillerBancVue Grant ArmisteadBankers Healthcare Group, LLC Brian MullettBankSmart Brad TrowbridgeBankSouth Mortgage Carol MartinBankTrends Reid Ten KleyBASYS Processing Brady Hanna

Blanchard Consulting Group Mike BlanchardCBIZ Benefits & Insurance Services, Inc. Todd GordonCFS, Inc. Mike ConlanContinuity Scott BrownCrescent Mortgage Company Ashli MatsonCummins-Allison Corporation Cleve CarlileDell SecureWorks Kathy ElderDeNyse Companies Tim Luther

Ellie Mae, Inc. Dewayne Starling First Data Mark GoldFiserv Keith HagenGenesys Technology Group David SaylorGulf Coast Business Credit Stuart WrbaHarland Clarke Doyle BakerHowe Construction, Inc. Elizabeth HoweICBA Securities Elise Patterson

Independent Community Bankers of America (ICBA) David MooreIntercept Consulting Group Steven RobertsInvestment Professionals Inc. (IPI) Steven RansdellNYMBUS Stuart CappsPoint to Point Environmental Mark FaasPromontory Interfinancial Network, LLC Danny CapitelPULSE Jennifer Matte

Sageworks, Inc. Peter BrownSecured Retirement Strategies Group, LLC Dennis ChristiansenSharenet ATM Mark SmithSHAZAM Mark FucciState Bank Mortgage Vicki BlumStrunk, LLC Dan RoderickTJS Deemer Dana LLP Grayson DentTransUnion Amanda MusselwhiteTravelers Diana Baker


As you know, CBA of Georgia works diligently throughout the year to help support the community banking industry in our state. One way we do that is by partnering with Independent Community Bankers of America (ICBA) who supports our industry on a national level. During

the Saturday morning General Session, Jack Hartings, ICBA Chairman, and David Moore, Senior Vice President/Southeast Region, presented CBA with a check for royalties from CBA member banks’ use of ICBA Preferred Service Providers over the past year. CBA Chairman Dale Morris and President & CEO Rob Braswell accepted the check for the Association.

The Saturday night Chairman’s Entertainment provided a fun and impactful conclusion to the Annual Meeting. Tim Gabrielson wowed the crowd with his comedy and magic, while also sharing a poignant message, “Happy is a Choice.”

We are continually impressed by all the fantastic prizes our Exhibitors bring to award to participating bankers. Some of this year’s prizes include a $500 Apple gift card, large flat screen TVs, several Yeti coolers and mugs, Falcon’s tickets, Hawks tickets, iPad Mini’s, Fitbits, Odyssey Putter and so much more!!! We are very grateful for these wonderful prizes that bring smiles to our attendees’ faces!

CBA Puts “FUN” in Fundraising – and other activities – at its Annual Meeting & Trade Show!Each year, the CBA hosts a Silent Auction at the Annual Meeting & Trade Show to help raise funds for the CBA PAC/PR. This year, items up for bid included a round of golf for three at East Lake Golf Club; an Amazon Echo; a DJI Phantom 3 Standard Quadcopter Drone w/2.7k HD Video Camera, and many more! In addition to the Silent Auction, the “Fling the Ring” Wine Bottle Ring Toss always provides a lot of cheers and excitement within the Trade Show. Those who ring a bottle get to keep it! All bottles are valued at over $20 each and proceeds benefit CBA’s PAC/PR Funds. The CBA is extremely grateful for everyone who participated! And, congratulations to all the top bidders and ringers!

CBA’s Trade Show would not be complete without the always popular Photo Booth! This year’s Photo Booth sponsor was Bank Trends. Take a look at some these characters…do you recognize anyone?

Employee BenefitsCBIZ is offering CBA member banks the opportunity to participate in a complimentary benefits assessment. The benefits assessment is tailored to each bank based on number of employees (e.g. Under 50, 50-99, 100+). Upon completion of the benefit assessment, CBA member banks will have:

� A better understanding of your employee benefit plans, current costs and projected trend lines

� Strategies to decrease costs � Innovative ways to increase perception of

the benefits you offer through effective communications

� Compliance tools to keep you updated on information, on time with your filings, and free of sanctions

� A timeline to streamline implementation efficiencies and execution to meet your goals

� Impact of Community Rating on your business, your employees, and your bottom line

Bank InsuranceCBIZ provides a comprehensive assessment of your bank’s insurance coverage, including:

� Directors and Officers � Bond � Cyber Liability and Data Breach � Property including OREO � Workers’ Compensation

Other CBIZ resources for banks include:

� Payroll � Tax & Accounting � Outsourced Credit Analysis � Revenue Enhancement � Retirement Plans � PPACA Shared Responsibility Tracking,

Compliance and Reporting

CBIZ Benefits & Insurance ServicesExceptional Coverage Customized for Your Bank

CBIZ Benefits & Insurance Services is proud to have been recently

endorsed by the CBA of Georgia.

Contact us for a complimentary benefits and risk assessment:

Todd [email protected] Benefits

Kris St. [email protected] Insurance

Local Services, National Resources ... Experts You Can Count On

With over 120 experienced CBIZ professionals in Georgia, you can count on CBIZ to provide your bank with personalized, consultative advice.


The Community Bankers Association of Georgia (CBA) is proud to honor community bankers who have served 30 or more years in the banking industry. Historically, the Lifetime Service

Awards are presented during the Chairman’s Banquet held at the Annual Meeting & Trade Show. The 2015 honorees are featured below.

The CBA is extremely grateful to these individuals who have served as role models to the banking community. Honoring them is a small token of the CBA’s appreciation for their efforts to the banking industry.

"Georgia is fortunate to have such an impressive number of community bankers who have reached these milestones. It’s our pleasure to honor the men and women who have served the banking needs of their communities and lent their expertise to a new generation of community bankers throughout their careers,” stated Rob Braswell, President & CEO of the Community Bankers Association of Georgia. "We are honored to be counted among their peers.”

Ann Bledsoe, Calumet Bank, LaGrange, 42 yearsAnn began her banking career at Valley National Bank. She served as President & CEO of Citizens National from 1996-1999 and as CFO of Neighborhood Community Bank from 1999-2007. She has since been serving as CFO of Calumet Bank, formerly LaGrange Banking Company. She is a current member of the Rotary Club of LaGrange and a former volunteer of the Girl Scouts of Pine Valley Council where she served as council president. Ann will retire on December 31st of this year.

Jim Powell, Highland Commercial Bank, Marietta, 46 yearsJim began his banking career with Trust Company of Georgia in 1968. Named President in 1982, Jim oversaw the development of ten additional locations in Cobb County. In 1990, he joined Northside Bank & Trust in Roswell as President/CEO and in 1994 the bank was sold to a large regional bank. Prior to the sale, Jim joined Independent Bank &

Trust Company in Powder Springs as President, Director and CEO. The bank was sold to United Community Banks, Inc. in 2000 and Jim continued as President/CEO until August 2003. In 2005, Jim was a founding Director and CEO of Highland Commercial Bank in Marietta. Jim is a former Chair of CBA and active in community and civic affairs. He has served as Chairman of the Kennesaw State University Foundation, Tommy Nobis Center, Cobb Hospital Advisory Board, Cobb/Douglas Chapter of the American Red Cross, and as President of the Marietta Rotary Club and Founder and President of the West Cobb Rotary Club.

Lanelle Jarriel, Pineland State Bank, Metter, 50 yearsNot only has Lanelle been in banking for 50 years and has been with the same bank for the entire 50 years! She began her career at Pineland State Bank in 1965 and is a graduate of Georgia Banking School. She served as president of the East Central Chapter of the Bank Administration Institute and the

Metter Business and Professional Women’s Club. Lanelle was a director of Metter-Candler Chamber of Commerce for 15 years, and served on the National Independent Bankers Association for Bank Education Committee. In 1985, she was named Young Banker of the Year of the CBA of Georgia and was appointed the first woman jury commissioner of Candler County. She was the first woman President of Pineland State Bank, serving from 1987-1994 and the first woman elected to the Pineland State Bank Board of Directors. She served on the Candler County Hospital Authority Board of Directors for 12 years, the last three of which she served as chair. Lanelle still serves on the board of directors of Pineland State Bank and oversees the quarterly Golden Opportunities Club.

Gerald E. Lewis, Bank of Wrightsville, 50 yearsJerry began his career in the banking industry as a Bank Examiner with the US Treasury Department in the 1960s. In 1976, he began his banking career and through the years held various positions with several Georgia banks. Since September of 1984, he has served banks as President & CEO. He currently holds that position at Bank of Wrightsville. Active in his community, Jerry has volunteered for Habitat for Humanity for many years and helped build homes for those in need. He’s been a member of the Rotary and is passionate about animal welfare, politics and constitutional rights.

Mary Donna Lunceford, F & M Bank, Washington, 50 yearsMary Donna began working in the Correspondent Banking Department of Georgia Railroad Bank & Trust Company in 1965. Later that year, she moved back to her hometown of Washington, GA, and began working at F&M Bank, formerly known as Farmers & Merchants Bank. Mary Donna has worked in

the Bookkeep ing and Proof Departments, as a teller & secretary to the President of the bank. She currently serves as a loan officer, human resources officer and CRA officer. Mary Donna is a member of the First Baptist Church and the hand bell choir. She is a past member of various civic clubs: the Pilot Club of Washington for which she served as officer for several years; the Washington Woman's Club for which she served as treasurer; and, the Kiwanis Club of Washington.

Celebrating a Lifetime of Service


Judy Turner, Private Bank of Decatur, 50 yearsJudy began her career in banking in 1965 at Citizens & Southern National Bank (C&S). Today she is President of Private Bank of Decatur, the Decatur division of Private Bank of Buckhead. Judy started with C&S in the personnel department, worked in auditing and became one of the first Personal Bankers. A year

after C&S became NationsBank, Judy had an opportunity to go to work in the Decatur Office of Bank South. Three years later, Bank South was purchased by NationsBank and several community leaders felt a need for a community bank in Decatur. Judy organized and served and served as President & CEO of Decatur First Bank. In 2011, Judy had the opportunity to join Private Bank of Buckhead to organize and open Private Bank of Decatur in 2012. Judy helped found and serves as President of the Decatur Book Festival, has served as Chair of the Development Authority of DeKalb County, Trustee of the DeKalb History Center, Treasurer of Seniors Helping Seniors and is on the board of the DeKalb Medical Foundation. She has served on the board of the Community Bankers Association of Georgia and other associations.

Congratulations!Phyllis Sauls, First State Bank of Randolph County, Cuthbert for 42 years of service. CBA will be making a presentation to Phyllis in the near future.

Rose Pope, First National Bank of Coffee County, Douglas, 45 yearsMrs. Pope, known simply as “Rose” to her customers and friends, has served the last 25 years of her career at FNBCC. Rose has been a smiling face of FNBCC since the doors opened to the community in 1991. A founding officer of FNBCC, she served in many capacities over the past 25 years. She is best known for her excellent customer service. Rose has always shown true professionalism, offering every customer top-notch service with respect, diligence, and discretion. (Steven Rigdon, CBA Director of Legislative & Regulatory Affairs, presented to Rose in July.)

Lydia Adcock, NorthSide Bank, Adairsville, 38 yearsLydia has been in banking for 38 years, most of which has been in Bartow County. She began her career in banking at the Bank of Adairsville from 1977 through 1992. She went to Crescent Bank & Trust, Jasper, and worked for a year before moving to Peoples First National Bank, Cartersville for three years. She worked for GMAC Mortgage Company for a year and then

began working at United Community Bank in Adairsville. In 2002 she worked at Crescent Bank & Trust, Adairsville and from 2007 until the present, Lydia has worked at NorthSide Bank, Adairsville and holds the positions of Vice President/City Executive/Branch Manager/Lender. She is a graduate of the Graduate School of Banking at LSU. She received the American Bankers Association Small Business Banking Certificate. Lydia served on many civic boards and committees and has mentored at Adairsville High School for the past six years. She also volunteers with the Boys & Girls Club summer meal program every year. (Rob Braswell, CBA President & CEO, presented to Lydia in September.)

CBA Day at the Capitol

Contact Peake Wilson at [email protected] for more details.

Wednesday, February 17, 2016 Attention Bankers and Associate Members: We want YOU there!

Don’t miss the opportunity to:• Networkwithyourcolleagues• Discusskeyupcominglegislation• Meetwithyourlegislators

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Cory Burdette • Senior Correspondent Relationship Manager – 678-230-9299

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All loans and accounts subject to approval, including credit approval. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. Rev. 04/2015 / #2914-H

2914-H - Correspondent Banking Ad (GA).indd 1 5/5/15 9:15 AM


Community Bankers Association of Georgia (CBA) announces the endorsement of Kasasa® by BancVue, an award-winning financial technology and marketing services company. Through pre-mium checking and savings accounts providing consumer rewards under a national brand, Kasasa enables community financial institutions (CFIs) to successfully drive new account growth, encour-age accountholder engagement, increase profitability, and compete with megabanks.

Kasasa by BancVue is ranked among the world’s largest FinTech providers, being named to the 2015 FinTech Forward 100 list of leading financial technology providers in the world. Kasasa accounts feature nationwide ATM fee refunds, monthly cash rewards that require no minimum balance, and no monthly service fees. These accounts include Kasasa Cash®, Kasasa Cash Back®, Kasasa Tunes®, and Kasasa Saver®.

The Community Bankers Association conducts an extensive due-diligence before selecting a company as an Endorsed Member Com-pany (EMC). Kasasa by BancVue earned the approval of both CBA’s Member Services Committee and the Board of Directors.

“We are extremely pleased to announce the endorsement of Kasasa by BancVue,” stated Rob Braswell, President & CEO of the Commu-nity Bankers Association of Georgia. “BancVue CEO Gabe Krajicek recently spoke at CBA’s Annual Meeting in Savannah and his message on how Kasasa can change a bank’s balance sheet and drive new account growth really resonated with our attendees. We are excited about the positive impact Kasasa can have on our member banks and their customers.”

“As consumer sentiment of megabanks continues to remain poor, community banks are at a significant advantage that needs to be lev-eraged,” said Gabe Krajicek, CEO of Kasasa by BancVue. “By offering nationally-branded, free rewards checking accounts, CFIs can bet-ter focus their efforts on what they’re known for – providing a sense of community and personal service – while also gaining a competi-tive edge. CBA’s endorsement is a testament to our mission and we look forward to working with community banks across Georgia.”

Kasasa aims to more easily help CFIs increase their market share by offering free checking accounts with a zero minimum balance and additional incentives like rewards, cash-back and ATM fee refunds. Unlike white-label vendors, Kasasa by BancVue couples its financial products with award-winning marketing, data-driven consulting, retail enablement training, ongoing support and compliance insight, providing a truly superior offering.

About Kasasa by BancVue Kasasa® by BancVue® is the innovative leader in branded, community-powered banking products proven to drive profit and growth for community financial institutions. Their flagship Kasasa® suite provides a comprehensive strategy that integrates breakthrough products with world-class marketing and unprecedented access to training, compliance, research, support resources and customized consulting. This full-circle approach gives local institutions the power and resources of a national product brand that enhances their unique, existing brand and service advantage. With nearly 750 clients, BancVue is helping community financial institutions thrive even as the industry landscape presents new challenges and competitors. Currently, Kasasa is the 7th largest banking branch network in the nation. For more information, please visit www.kasasa.com, or contact Grant Armistead, Vice President, Regional Director at (704) 553-0700 or [email protected].

Community Bankers Association of Georgia Endorses Kasasa® by BancVue

CBA Welcomes New Associate MembersThe Community Bankers Association of Georgia (CBA) would like to welcome new Associate Members which were recently approved at the Board of Directors Meeting. Throughout the year, CBA’s Board approves quality vendors who provide products and services to CBA members. For more information on becoming an associate member, contact Lindsay Greene.

BancVue Mr. Grant Armistead | Austin, TX Financial ServicesBanks Street Partners Mr. Jeff Adams | Atlanta, GA Financial ServicesBAT Associates, Inc. Mr. Keith Kaylor | Norcross, GA Environmental ConsultingCantor Fitzgerald Mr. Tracy Hunt | Birmingham, AL Brokerage FirmCNA Financial Mr. Justin Patrick | Atlanta, GA Insurance ServicesDeluxe Mr. Kevin Jefferson | Greensboro, NC Check PrintingDodgen Security Consulting, LLC Ms. Carol Dodgen | Birmingham, AL Security Training

Infinity Network Solutions Mr. Brian Betzel | Macon, GA TelecommunicationsIntercept Consulting Group Mr. Steven Roberts | Lawrenceville, GA Bank Management ConsultingNYMBUS Mr. Steve Lucas | Miami, FL Processing & Technology SolutionsPerfect Image Printing Mr. Charles Kelley | Marietta, GA Printing ServicesPoint to Point Environmental Mr. Mark Faas | McDonough, GA Environmental ConsultingRichard C. Wayne & Associates, PC Mr. Richard Wayne, Sr. | Atlanta, GA Legal FirmSaylent Technologies Mr. Russ Prettitore | Franklin, MA Bank Analytics

Secured Retirement Strategies Group, LLC Mr. Dennis Christiansen | Milwaukee, WI Insurance ServicesSpivey, Pope, Green & Greer, LLC Mr. Thomas Green | Macon, GA Legal FirmSuperior Financial Systems Mr. Todd Lazur | Newport Beach, CA Credit Card ServicesStrunk LLC Mr. Daniel Roderick | Atlanta, GA Bank Management ConsultantsSugar Creek Capital, LLC Mr. Paul Lynch | Atlanta, GA Tax Credit ServicesVeristor Mr. Jay Waggoner | Duluth, GA Processing & Technology Solutions


On behalf of the Community Bankers Association of Georgia (CBA), we are proud to announce the 2016 Julian & Jan Hester Memorial Scholarship and the J. Steven Walraven Scholarship! The Hester Scholarship is open to Georgia high school seniors who will be entering a Georgia college, university or technical school (two year program

or more) in the fall semester of 2016. The scholarship is named after the late Jan Hester, daughter of Lalia and the late Julian Hester, long-time CEO of the CBA. The four winning recipients will be awarded a $1,000 scholarship.

“CBA is pleased to assist deserving students in their first year of college while honoring the memory of Jan and Julian Hester,” stated Rob Braswell, President & CEO of Community Bankers Association of Georgia (CBA). “Thanks to the generosity of our bankers and associate members, the Education Foundation is fully funded which means the Scholarship Program is completely self-sufficient, giving support to generations of Georgia’s students in the future,” explained Mr. Braswell.

The Walraven Scholarship is awarded in the amount of $500 to a bank employee who desires to continue their education while

working full-time at a CBA member bank. The scholarship is named after the late J. Steven Walraven, an active community banker who exemplified professionalism and community involvement. To compete, employees must write a short essay on how community banking has impacted their life and how it will enable them to give back to their community.

Applications should be returned to the bank no later than Friday, April 8, 2016. All completed applications should be submitted to CBA no later than Friday, April 15, 2016. Only complete applications will be eligible. A panel of independent judges will review the applications and winners will be announced in early May 2016.

Please visit www.cbaofga.com to download the scholarship application and encourage participation from your community. Contact Tony Moore at [email protected] for more information on either of these scholarships.

CBA's Leadership Division proudly assists with this initiative. Please email Peake Wilson at [email protected] for more information.

CBA's Memorial Scholarship Applications are Now Available!

2016MEMORIAL

SCHOLARSHIPS

Meet CBA's Newest Team Members!Community Bankers Association (CBA) is pleased to announce its newest associates.

Tony Moore has joined our Marketing and Member Services Department as Marketing & Graphics Coordinator. He focuses on graphic design and other visual projects.

Brittany Locke recently joined our Marketing and Member Services Department, where she focuses on marketing ventures and member service projects. A recent graduate of the University of Georgia, she has held numerous internships including with Cartoon Network and the Washington Redskins.

Connie Shepard recently joined the Education Department as Education Associate. She brings a wealth of customer service and technical expertise to the CBA.

Brittany Locke Marketing & Member

Services Assistant

Connie Shepard Education Associate

Tony Moore Marketing &

Graphic Design Coordinator

If you are looking to generate new leads and brand-recognition in Georgia’s community banking industry, then look to CBA.

With a wide variety of creative opportunities to promote your company’s products and services, you are certain to reach your target audience in the most cost-effective way.

Attention CBA Associate Members - Budgeting for 2016? Sponsorships and Advertising Help You Reach Your Target Audience!

Customize your own advertising and sponsorship package for 2016. CBA has flexible options at a variety of price points. Consider gaining exposure through education events, networking, and print and digital marketing.

Don’t miss out – sponsorships are available on a first-come, first-serve basis! For more information, call Lindsay Greene at (770) 541-0376 or email [email protected].

Sponsor &

Advertise

Fal l 2015 | Georgia Communit ies F i rst | 23Note: Dates/Topics subject to change.To learn what is covered in the webinar and to register, visit www.cbaofga.com or contact Jodi Swilley at [email protected] or 770-541-4492.

The CBA is committed to superior customer service and has been a leader in webinar training for over a decade. The CBA

webinars are designed for most positions in a community bank from the teller line to the board room. The speakers are industry experts with long-term, real-life, hands-on experience. Benefits of participating in a CBA webinar are:

• Easy to Use, Time effective, Cost effective, Convenient, Interactive,

• Current Topics delivered by experienced speakers, • Three Registration Options,

• Continuing Professional Education Credits, • Take-Away-Toolkit (consists of an employee training log and

a Quiz to measure staff learning), • Webinar series for Bank Directors, Compliance Professionals,

Risk Managers, Leaders, and• Much more!

Register today for a webinar training option that best meets your training needs! For the most current listing of webinars, visit www.cbaofga.com.

Affordable, Professional Training, When and Where You Choose!

2015 CBA WEBINARS

OCTOBER 2015 10/2 Proper Repossession, Notice & Sale of Non-Real Estate Collateral10/6 Regulation E Requirements for Debit Card Error Resolution: Processing, Disclosure & Investigation10/7 Residential Mortgage Loan Origination & Servicing: Issues, FAQs & Lessons Learned 10/8 Powers-of-Attorney & Living Trust Documents: Guidelines for Deposit Accounts & Loans10/9 The New Flood Rules, Including the Mandatory Escrow Rule Effective January 1, 2016 Ann Brode-Harner, Brode Consulting Services, Inc. 10/14 BSA Compliance Series: Identifying, Reporting & Monitoring Suspicious Activity10/15 New Security Officer Training: Responsibilities, Best Practices & Skill-Building Tools10/20 New Accounts Series: Opening Accounts for Minors: Ownership, Access & Transactions10/21 Accounting Developments Update: Recent Issues & What’s on the Horizon10/22 Advanced ACH Specialist Series: Understanding & Navigating ACH Rules for ODFIs10/27 Emerging Leader Series: Key Leadership Strategies for Growth, Profitability & Retention Gary J. Young, Young & Associates, Inc.10/28 Network Security 101: A Comprehensive Overview 10/29 Maintaining Compliant FDIC Records, Including Related Email & Social Media Retention Rules NOVEMBER 201511/3 Director Series: Interest Rate Risk Policies, Considerations & Consequences: What Directors Should Know11/4 Form 1099 Reporting: Third-Party Vendors, Foreclosures, Debt Forgiveness & More11/5 Remote Deposit Capture Update & Issues for Commercial, Consumer & Mobile Banking11/9 CFPB Final Amendments for Small Creditors & Rural or Underserved Areas Effective January 1, 201611/10 Regulatory Requirements for the Board & Senior Management11/12 IRA Series: IRA Reporting, Common Issues & Error Resolution11/13 Preparing for the Impact of Same Day ACH11/17 Basic Banking for New Employees Part 2: Regulatory Issues, Exams, Audits11/18 Robbery Prevention, Apprehension & Recovery11/19 Emerging Leader Series: Managing Credit Risk 11/23 Regulatory & Legal Risks of Overdraft Protection: Recent Issues & Best Practices11/24 Nuts & Bolts of Effective Metro 2 Credit Reporting via e-OSCAR 11/30 CECL, the ALLL & FASB’s Proposed Standard for Recognizing Credit Impairment: What’s Changing & Why Preparing Now is Critical DECEMBER 201512/2 Advanced ACH Specialist Series: Regulation E Error Resolution Rules Versus NACHA Operating Rules: Obligations, Consumer Disputes & Case Studies12/3 Call Reporting for New Preparers & Reviewers12/4 Examining the Proposed Federal Changes to Overtime Pay Exemptions & the Potential Impact to Community Banks12/8 BSA Compliance Series: BSA Special Risks: Policy, Law Enforcement & Regulator Issues12/9 Managing Accounts & Records for Nonresident Aliens: Opening, Identifying, Monitoring & Tax Reporting12/10 Safe Deposit Issues: Drilling, Unpaid Rent, Death & Unclaimed Property12/15 New Accounts Series: Opening Donation, Benevolent & Other Accounts for Nonprofit Organizations & Corporations12/16 Exercising the Bank’s Right of Setoff on Deposit Accounts & Loans 12/17 Appraisals & Evaluations: Guidelines, Regulatory Concerns & FAQs12/18 Revised TRID Mortgage Exam Procedures: Reviewing September 15, 2015 Changes

REGISTER TODAY!

CPE/CLE

Credits

Available


If you answered yes to this question or if you want to stay abreast of industry hot topics, please make plans today to attend one or all of the remaining 4th Quarter education schools, conferences and the 4th Quarter Compliance Program. These programs will aslo help satisfy any annual training requirements for IT, Lending Regulations and the Bank Secrecy Act. To register, visit www.cbaofga.com or contact the CBA Education Department at 770-541-4492 or [email protected].

DO YOU NEED CPE CREDITS BEFORE YEAR-END?CPE/CLECredits

Available

Complying with federal banking regulations continues to be a demanding task that requires a thorough understanding of the applicable rules. The school helps financial institutions meet the compliance challenge by providing intensive training on the various regulatory requirements. The school curriculum includes prominent federal regulations covered in on-site compliance examinations by federal regulatory agencies. Don’t delay! Register today!

FACULTYGary L. Clayton, Fair Lending Examination Specialist, DCP, Atlanta Regional Office, FDIC. Anetria Connell, Vice President, Professional Bank Services, Louisville, KY Jamaal Mohammad, Examination Specialist, Unfair and Deceptive Acts or Practices (UDAP), Atlanta Region, FDIC Thomas Simpson, Associate, James - Bates - Brannan - Groover - LLP, Atlanta SCHEDULEMonday, November 2, 20158:00 am Registration / Continental Breakfast8:30 am ProgramNOON Lunch1:00 pm Program4:45 pm Adjourn

Tuesday, November 3, 20158:00 am Registration / Continental Breakfast8:30 am ProgramNOON Lunch1:00 pm Program4:00 pm Adjourn(Dinner at Your Leisure)Optional Activity (Hayride/Bonfire)

Wednesday, November 4, 20158:00 am Continental Breakfast8:30 am ProgramNOON Lunch1:00 pm Program4:00 pm Graduation Ceremony4:15 pm Adjourn

Understanding banking industry trends and major financial issues and the resulting accounting implications is vital to your bank's success. This new forum is designed to help educate you on opportunities that a changing world brings by providing analysis and perspective. We invite you to make plans now to join local and national industry experts as they discuss such topics as emerging trends in banking, issues facing community bank CFOs, the economy, investment banking, how successful banks thrive in challenging times and much more! The CBA is pleased to partner with Elliott Davis Decosimo, a CBA member company, to offer this new forum designed specifically for Georgia community bankers.

Agenda-At-A-Glance 8:00 am Registration/Continental Breakfast 8:30 am Welcome Jason Caskey, Financial Services Practice Leader, Elliott Davis Decosimo, Columbia, SC 8:35 am Emerging Trends in Banking: Accounting Regulatory and M&A Update William Bossong, Financial Services Consulting Practice Leader, Elliott Davis Decosimo, Columbia, SC 9:45 am Issues Facing Community Bank CFO's Moderator: Jason Caskey Panelists: Samuel Cox, CFO, Citizens Trust Bank, Atlanta Sheila Ray, CFO, State Bank and Trust Company, Atlanta Scott Wilson, CFO, Pinnacle Bank, Athens10:45 am Economic Update Gregory Miller, Chief Economist, SunTrust Bank, Atlanta

11:45 am Lunch12:45 pm Investment Banking Update R. Lee Burrows, Chief Executive Officer, Banks Street Partners, Atlanta2:00 pm Attorney Discussion Panel Moderator: Jason Caskey Panelists: Rob Klingler, Partner, Bryan Cave, LLP, Atlanta Mark Kanaly, Partner, Alston & Bird, LLP, Atlanta Brennan Ryan, Partner, Nelson Mullins, LLP, Atlanta James Stevens, Partner, Troutman Sanders, LLP, Atlanta 3:00 pm Analyzing the Community Bank Model: How Successful Banks Thrive In Challenging Times Jason Caskey4:00 pm Adjourn (Dinner at Your Leisure)


Bank Secrecy Act (BSA) & Anti-Money Laundering (AML) Training Opportunities

Congratulations to the Graduates of the 2015 BSA Officer Schools!

March 2015 BSA Officer “Basic” School August 2015 BSA Officer “Basic” School

Each year, the CBA offers two basic BSA/AML Officer Schools and one Advanced BSA/AML Officer School. In addition, BSA/AML topics are offered as part of the annual CBA Compliance

Program and via the BSA/AML Compliance Webinar Series. All of these training opportunities

are designed specifically for community bankers.

The importance of BSA/AML compliance cannot be overstated. An insufficient BSA compliance program may expose a financial institution to reputation risk, such as manipulation by unscrupulous money launderers, undermine the integrity of the financial system

or even threaten national security. Banks much ensure that appropriate personnel are trained in applicable aspects of the BSA/AML. At a minimum, the bank’s training program must provide training for all personnel whose duties require knowledge of the BSA/AML.

If you have not completed your annual BSA/AML training or if you need a refresher course, the CBA invites you to participate in one or all of the remaining 2015 BSA/AML training programs as listed below. To register, visit www.cbaofga.com or contact the CBA Education Department at [email protected].

2015 CBA Compliance Program IV: BSA/AML ComplianceA one-day seminar in five convenient locations

12/8 - Rome | 12/9 - Macon | 12/10 - Duluth | 12/15 - Tifton | 12/16 - Savannah

2015 BSA/AML Compliance Webinar SeriesTo order a previously held webinar, contact the CBA Education Department at [email protected].

2/5 New BSA Officer Training 4/16 Updating Your Bank’s BSA/AML/OFAC Risk Assessment 6/10 BSA Officer Reports to the Board 8/20 How to Redesign Your BSA Program to Impact Your Bottom Line 10/14 Identifying, Reporting & Monitoring Suspicious Activity 12/8 BSA Special Risks: Policy, Law Enforcement & Regulator Issues

Save the Date3rd Annual

Women in Banking

Thursday, March 10, 2016Idle Hour Country Club, Macon

The program will include a Leadership session presented by Cathy Adams

Executive Vice President and Chief Operations Officer, Federal Home Loan Bank of Atlanta

Contact Peake Wilson at [email protected] for more details.

8th Annual Advanced BSA Officer School – October 2015

MARK YOUR CALENDAR FOR THE 2016 BSA OFFICER SCHOOLS!

16th Biannual BSA Officer “Basics” School - March 15-17, 2016 – Atlanta17th Biannual BSA Officer “Basics” School - August 9-11, 2016 – Atlanta

9th Annual Advanced BSA Officer School – October 4-7, 2016 – St. Simons Island


1ST Quarter Schools & Conferences: SAVE THE DATES!

CPE/CLECredits

Available

How big does a bank have to be to survive and thrive under the Dodd-Frank Act?

Since Dodd-Frank came into law, relations between banks and regulators have:

The biggest change since Dodd-Frank came into law has been:

How have your overall compliance costs changed over the past five years?

What size banks have been most negatively impacted by Dodd-Frank?

30.4%

14.0%

14.6%

12.0%

29.1%

Larger than $1B

Larger than $5B

Larger than $10B

Larger than $50B

All banks can survive andthrive, regardless of size

30%+ higher

20-30% higher

10-20% higher

0-10% higher

No change

Costs havedecreased

NA

0% 10% 20% 30% 40%

How have your overall compliance cos ts changed over the pas t five years ?

30%+ higher

20-30% higher

10-20% higher

0-10% higher

No change

Costs havedecreased

NA

0% 10% 20% 30% 40%

How have your overall compliance cos ts changed over the pas t five years ?

Percentage of respondents

14.8%

30.0%

33.4%

4.1%

2.1%9.9%

3.1%

2.6%

T he bigges t change s ince Dodd-F rank came into law has been :

New capital requirements

Increased focus on compliance

The creation of the Consumer Financial Protection Bureau

The Volcker rule

The liquidity coverage ratio

Regular stress testing

The Durbin amendment

Other

12.7%

47.1%

40.3%

S ince Dodd-F rank came into law, relations between banks and regulators have:

Improved

Stayed the same

Deteriorated

52.1%

9.6%

4.4%

10.1%

13.1%

10.7%

What s ize banks have been mos t negatively impacted by Dodd-F rank?

Under $1B

$1B-$5B

$5B-$10B

$10B-$50B

$50B and up

Dodd-Frank equallyimpacts banks of all sizes


Group Life & Disability Insurance1. Could your key employees state your current life & disability

benefit?2. Does your investment in life & disability benefits positively

impact your attraction and recruitment efforts?3. How much is the Group Life age reduction schedule impacting

your key employees?4. Have the limits on your Disability Benefit amounts kept pace

with your salary increases?5. Would you save by self-funding your Short Term Disability

benefit (see the above essay link)?6. Have you evaluated a Tax Choice Group Long Disability

structure?

Voluntary Benefits1. What is the purpose of each of your voluntary benefits?2. When’s the last time you audited your voluntary benefit

menu for overlap and compliance? Please see this essay for more detail: Audit & Streamline Your Voluntary Benefit Program to Improve Employee Attraction & Retention

I hope these questions proved useful. Are there other questions we should add to this listing? If so, please let me know via [email protected] or via Twitter: @zpace_benefits.

CBIZ Benefits & Insurance Services is proud to have been recently endorsed by the CBA of Georgia. With over 120 experienced CBIZ professionals in Georgia, you can count on CBIZ to provide your bank with personalized, consultative advice. For additional information, please contact:

Todd Gordon Kris St. Martin 770.858.4801 763.549.2267 [email protected] [email protected] Employee Benefits Bank Insurance

Given the distractions and administrative burdens of the Affordable Care Act, it’s easy for employers to overlook the low hanging fruit in their benefits plan from a cost-savings and benefits improvement standpoint. The good news is that we know where to look. Here are 17 questions to ask your benefits plan:

Benefits Menu1. What is Your Total Compensation Philosophy? How does each

component of your Benefits Plan fit into this Philosophy? 2. Are you regularly benchmarking your menu, plan designs,

premiums, and employee contributions against your peer group? Are you reviewing not only benchmark medians and averages but also the actual benefit structures of various members of your peer group?

Medical Benefits1. What is the purpose of each of your medical plans? Which

demographic is each plan designed to appeal to?2. What is your employee contribution (i.e. payroll deduction)

methodology? How does the math work? Are you providing more employer contribution towards the higher cost plans? Are you providing more employer contribution towards family coverage than to single coverage? If so, is this methodology consistent with your Total Compensation Philosophy?

3. Have you evaluated this base medical plan option: In-network only, Open Access, Qualified High Deductible Health Plan?

4. Given the Affordable Care Act’s impact to fully insured premiums, have you recently evaluated the expected and maximum costs of a self-funded or a hybrid funding arrangement?

5. If your plan is currently self-funded:a. Are the network discounts best in class?b. Does your administrator allow you to plug and play best in

class specialty vendors, including Care Management, Disease Management, and Pharmacy Benefit Management?

c. Do you have access to the entire stop loss marketplace?

Dental Benefits1. Does your plan design incent participants to use in-network

dentists? Have you introduced a lower cost in-network only option to your menu?

2. Because of their low annual maximum, dental benefits function more like a large spending account than as insurance. When’s the last time you’ve evaluated self-funding your dental plan? Please see this essay for more detail: Maximizing ROI on Dental & Short Term Disability Plans.

17 Questions to Ask Your Benefits Plan

Zack Pace SVP, Benefits Consulting

CBIZ, Inc., A CBA Endorsed Member Company


You’ve been hacked! Now what? As the list of cyber-attacks against the financial services industry continues to grow, many institutions are likely to face this scenario. Of course the best way to prepare for a cybersecurity breach is to simulate one, which is what The Federal Home Loan Bank of Atlanta (FHLBank Atlanta) did for shareholders at its Annual Member Conference.

FHLBank Atlanta’s Chief Operations Officer, Chief Information Officer, Chief Marketing Officer, and General Counsel enacted a tabletop exercise to walk shareholders through the process of developing a crisis management response plan.

Cybersecurity Breach Scenario In the simulated scenario, a community bank is alerted by the FBI that its IT service provider has been hacked.Robert Bennett, FHLBank Atlanta’s Chief Information Officer, says the first actions an institution can take upon learning of a security incident include:

• Activating your existing Cybersecurity Incident Response Plan, a framework for responding to security incidents.

• Determining the severity level of the compromise, which will indicate the best path to follow to ensure that there is no additional data loss and that forensic evidence is preserved.

• Informing Corporate Communications and Legal of progress.

Once the initial system assessments are complete, Sharon Cook, FHLBank Atlanta’s Chief Marketing Officer, says it’s important to ask the right questions and to begin formulating responses that effectively communicate the issue and remediation plan to customers. “Transparency and sincerity are key to successful communication in a crisis,” she says.

Cook says although planning sounds simple, it’s not. “It’s important to put a plan in place, even if it’s a skeleton, that outlines who your key stakeholders are, who’s on your internal team, and who’s going to make decisions about communications.”

FHLBank Atlanta General Counsel Reggie O’Shields says it’s good to loop in legal counsel early because that maintains privilege throughout the incident in the event there is future litigation. O’Shields adds that it’s important to consult with the right legal expert. “This is a very complicated area and no one can really be an expert in it,” he says. “If you have in-house counsel, it’s probably unlikely that they are going to be a cyber-expert. If you don’t have an in-house counsel, your outside counsel is probably going to be a bank regulatory person, so it’s important for them to bring in the right expert so they can get a better understanding

of what’s happening.”

After a crisis, it’s important to meet with your response team for a structured debrief so you can walk through and assess all of the processes. Review the statements and responses you released, as well as the questions, comments, and concerns you have received.

Best Practices:

IT• Develop and practice your IT security incident response plan.• Continuously monitor for suspicious behavior.• Implement a robust program to apply regular security

patches to servers and desktop computers so all systems are up-to-date on software and vulnerability protection.

• Install a sophisticated intrusion detection-monitoring program that looks for and reports suspicious traffic.

Communications• Prepare an escalation plan and think through the best timing

around when you communicate with your key stakeholders.• Conduct regular media trainings for your spokespeople. It

is important for spokespeople to practice in high-pressure scenarios.

• Monitor your brand online and across the digital platform. Be proactive in protecting your brand, not reactive. Know your key influencers in the digital space.

Legal• Understand your third-party relationships and what your

contracts say.• Be aware of all the legal and regulatory obligations and share

the information internally.• Evaluate your insurance policies and determine if you have or

need cyber insurance.

Cybersecurity: How to Avoid the Worst Mistakes• Don’t ignore cyber risks inside of your organization.• Ensure strong controls around password security.• Train and educate employees, contractors, and vendors on

cybersecurity.• Don’t release information and numbers too quickly to ensure

information accuracy.

Cybersecurity:

You’ve Been HackedA CBA Associate Member Company

Submitted by:


Local presence and a national perspective anchors the Office of the Comptroller of the Currency approach to supervise the nation-al banks and federal savings associations that call Georgia home. These banks and thrifts serve unique markets, provide a full range of products and services, and play important roles in their com-munities. The OCC's examiners and professional staff work hard to tailor their supervision to the needs of each institution.

Most community national banks and federal savings associations in Georgia are in good condition. Earnings are improving, and banks are making new loans. However, some bankers are taking increased risks as they seek better returns, growth, and business opportuni-ties. The OCC wants bankers to fully examine and understand these risks before entering new businesses, offering new products, or shifting their business model or strategic direction.

The OCC’s Semiannual Risk Perspective shares insight and data on key issues that could pose threats to safety and soundness, and it clearly communicates what examiners will focus on over the next six months. Local examiners will discuss how these issues relate to individual bank management’s unique business plans as well as their strategies for mitigating these risks. Bankers can avoid sur-prises during examinations and achieve business goals in a safe and sound manner. The most recent edition of the Semiannual Risk Perspective highlights cybersecurity, strategic risk, underwrit-ing, compliance, and interest rate risk as key challenges facing the federal banking system.

CybersecurityFew issues get as much attention today as cybersecurity. Cyberse-curity is a top concern of Comptroller Curry, and it is a growing risk for all banks and thrifts. The severity of business system breaches has increased, resulting in the loss of intellectual property and con-fidential data, damage to systems, and increased costs.

The OCC and other members of the Federal Financial Institutions Examination Council have worked to raise awareness of cybersecu-rity threats and to identify steps bankers can take to mitigate those risks. The OCC has also increased focus on cybersecurity at third-party technology providers. The Cybersecurity Assessment Tool is a valuable aid for banks in assessing their own cybersecurity. Visit www.ffiec.gov.

Strategic RiskAs more and more banks reevaluate their business models, deploy-ment of capital, and risk appetite, OCC staff will assess business models and strategic plans, reinforcing the importance of sound corporate governance balanced to the size and complexity of each specific bank. Examiners will also assess the adequacy of capital and succession planning.

UnderwritingThe quality of a bank's loan portfolio depends primarily on the ef-fectiveness of its underwriting. The OCC sees evidence of weaker

Planning New Products? Changing Strategic Direction?

Gil Barker Deputy Comptroller

Office of the Comptroller of the Currency Southern District

underwriting creeping into the system. The weaker standards are evident in large syndicated leveraged loans, but are also observed in indirect auto, asset-based, commercial real estate, and commer-cial and industrial lending. Examiners have recently noted more policy and underwriting exceptions, including increasing collateral advance rates, waiving or loosening guarantees, and more liberal repayment terms.

The OCC encourages banks to assess their credit risk appetite as they manage their loan portfolios. OCC staff will evaluate under-writing practices of new or renewed loans in banks' loan portfolios for easing in structure and terms and focus on new products, areas of highest growth, or concentrations.

ComplianceCompliance risk can be high, as bankers focus on improving busi-ness results, sometimes at the expense of effective compliance. Bank Secrecy Act/Anti-Money Laundering (BSA/AML) risks can also be high as banks and thrifts implement changes to comply with new regulatory requirements and as technology rapidly evolves. Moreover, financial services are vulnerable to criminals who try to exploit technological developments to benefit customers and in-crease accessibility. Competition has led some banks to divert re-sources from BSA/AML activities elsewhere, resulting in insufficient resources and expertise devoted to BSA/AML. Bank management must have effective programs to identify and respond to risks that the institutions face from new products, services, or regulations.

Interest Rate RiskThe prolonged low interest rate environment has paved the way for vulnerability. Some banks reach for yield to boost interest income with decreasing regard for interest rate risk. Exposure to interest rate risk is increasing because of growing concentrations in longer-term assets, including mortgage-backed securities and loans, and uncertainties about the potential runoff of nonmaturity deposits once interest rates increase.

OCC staff will look at banks' ability to accurately identify and quan-tify interest rate risk in assets and liabilities under various scenarios and discuss risk tolerance levels and strategies.

Use the Semiannual Risk Perspective as Your ToolCybersecurity, strategic, underwriting, compliance, and interest rate risks affect banks differently, and cumulatively represent the greatest concerns facing the federal banking system today. Use the Semiannual Risk Perspective to help assess risks facing your institu-tion and understand the OCC's view of these important issues. Use it as the basis of conversations with the Assistant Deputy Comp-troller and Portfolio Manager assigned to your institution to discuss with them what you are doing to mitigate these risks. Assistant Deputy Comptrollers Deborah Thompson and Jason Sisack super-vise the examiners and banks reporting to the Atlanta Field Office. Download the Semiannual Risk Perspective at www.OCC.gov.

Semiannual Risk Perspective Shines a Light on Emerging Risks


We all know the name of the game in financial advisor recruiting: big name broker-dealers and even bigger checks take the cake in scoring quality financial advisors. As a community banker, it can feel like you’re faced with more than just an uphill battle. The solution? Partner with a broker-dealer that specializes in recruiting high-caliber community bank financial consultants for your on-site investment program.

What’s Your Advisor Value Proposition? Partnering with a broker-dealer that creates a tailor-made environment for top community bank financial institutions and their advisors to thrive in is key. When you work with a full service broker-dealer created by financial consultants, for financial consultants, the firm will understand what makes the foremost performing advisors tick, how to help them excel even more, and how to keep them happy. At the end of the day, your success stems from your advisor’s success. One of the biggest advantages you can give your advisor – and one of the biggest returns on your investment – is partnering with a broker-dealer that provides an open product platform. This freedom allows your advisor access to more products and services, so he or she can do what’s best for their client’s needs, not the broker-dealer’s. Your advisor can continue to be the successful professional they have been through their most effective and preferred business approach.

Your Support TeamThe best broker-dealers will have a dedicated team in place to ensure your advisor expectations are not only met but exceeded. Working with a broker-dealer to support your recruiting needs will help ensure you’re not only proactively growing your non-deposit income through your program, but that your program is something you’re proud of. Having the right advisor will bring enormous value to your program, bank and relationships – the increased non-deposit income is the icing on the cake! These recruiting teams will come to you with a refined list of high-caliber candidates whom they know inside and out. They’ll understand how each candidate does business and have a real understanding of who the individual is and their presence in the community. These broker-dealers will actively complete the upmost due diligence prior to reaching you and your team in order to make the process seamless and the candidate list high-quality.

Understanding Your Candidates Processes like performing predictive index analyses on the most-fitting candidates is crucial to understanding what

motivates them and how they build their business. Ensure your broker-dealer uses these types of tools to help you fully understand your future financial advisor and make certain he or she is the right fit for your bank, community and customers.

The Right Partner Have you considered partnering with a broker-dealer specializing in helping community banks increase their non-deposit income via an investment program fully equipped with an industry-leading financial advisor that will afford you the performance you need coupled with the same culture and values as the communities you serve?

What it Takes to Score a High-Performing Advisor in Your Community Bank

Free for participating banks!

Non-participating member banks - $250Associate Members - $250

Non-member banks & companies - $350

Order Your 2015 Georgia Community Bank

Salary Survey!

Amy WatsonVice President, Director of Marketing

Investment Professionals, Inc.A CBA Endorsed Member Company


March 1-5, 2015

Gaylord Palms Resort & Convention Center

ORLANDO, FLORIDA

Learn more at www.icba.org/convention2016

ORLANDO, FLORIDA

March 1-5, 2015

Gaylord Palms Resort & Convention Center

ORLANDO, FLORIDAMarch 6-10, 2016

Hilton New Orleans Riverside and Convention Center

Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016Learn more at www.icba.org/convention2016

REGISTER TODAY!www.icba.org/convention2016

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855-314-1212 | shazam.net | @SHAZAMNetwork

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Since 1976, we’ve been providing community financial institutions with choice

and innovation to compete in the market. From debit cards to core processing

to marketing services and more, we deliver.

SHAZAM is a financial services company offering you choice and flexibility to use the products and services that meet YOUR needs.

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