10:00 a.m. (continued)

*INCIDENT MANAGEMENT New Hampshire Room John H. Rogers, CISSP, Advisory Services Practice Manager—Sage Data Security, LLC From the cybersecurity perspective, incident management moves from the limited scope of computer incidents into the critical func-tion of organizational incident response and management. This presentation will address the critical components of incident manage-ment planning and how this critical function has grown up to meet the demands of an enterprise cybersecurity strategy

11:00 a.m. CONCURRENT SESSIONS

GETTING THE MOST FROM YOUR CRM Rhode Island Room Terri Geroux—First National Bank Dan Hancock—Gorham Savings Bank Adam Mumm—Kennebunk Savings This banker panel will discuss successful application of Customer Relationship Man-agement software at three institutions—from setting it up to training to encouraging the front line to stay current. Each will dis-cuss what areas of the bank employ it and where they have been successful. Included in the discussion are Synapsys, Salesforce and Connections.

*#RANSOMWARE AND OTHER FORMS OF

EXTORTION Connecticut Room

Jon Stanley, Esq.—Verrill Dana Ransomware is a type of malware that restricts access to the infected computer system in some way, and demands that the user pay a ransom to the malware operators to remove the restriction. Please join us for an in-depth discussion on the legal implica-tions of cyber insurance extortion, DD4BC (Distributed Denial 4 Bitcoin) and other cutting edge scams.

8:00 a.m. CONCURRENT SESSIONS

WHAT’S IN YOUR DIGITAL WALLET? Rhode Island Room Kevin Heatley—Gorham Savings Bank Yury Nabokov—Machias Savings Bank This banker panel will discuss a few of the options available in mobile payments includ-ing P2P, Apple Pay and Samsung /Android Pay. Pluses and minuses, why choose one over another, lessons learned, how banks are educating customers and promoting the products. The audience will be encouraged to talk about their own products.

*BAD MISTAKES…I’VE MADE A FEW

(This session repeated at 10:00 a.m.) Connecticut Room

Jayson E. Street, Author—Dissecting the Hack: The F0rb1dd3n Network A reflection on key fails made in detecting flaws in information security. The leader is a specialist in intrusion detection, penetration testing and social engineering and has among his clients large banks, the Secret Service and the FBI. This session will help others by focusing on vulnerabilities discov-ered and lessons learned the hard way.

#MARKETING SERVICES AGREEMENTS AND

RESPA’S KICKBACK PROHIBITION Massachusetts Room

Ryan S. Stinneford, Esq.—Hudson Cook Overview of RESPA Sections 8(a) and 8(c)(2) (the kickback prohibition), including HUD's 2010 RESPA Interpretive Rule, and how that prohibition applies to marketing services agreements. Also includes CFPB’s October MSA guidance, suggested MSA compliance do’s and don’ts, the latest enforcement ac-tions, and the likelihood of additional inves-tigations and enforcement activity.

10:00 a.m. CONCURRENT SESSIONS

%FASTER PAYMENTS TASK FORCE Rhode Island Room Marianne Crowe , VP Payment Strategies Federal Reserve Bank of Boston An update on the Fed’s task force that is engaging in identifying and evaluating alternative approaches for implementing fast payments in the U.S. How are we progressing in the goal to increase end to end payment speed and security?

*BAD MISTAKES…I’VE MADE A FEW

(This session repeated from 8:00 a.m.) Connecticut Room

Jayson E. Street, author—Dissecting the Hack: The F0rb1dd3n Network A reflection on key fails made in detecting flaws in information security. The leader is a specialist in intrusion detection, penetration testing and social engineering and has among his clients large banks, the Secret Service and the FBI. This session will help others by focusing on vulnerabilities discov-ered and lessons learned the hard way.

#UPDATE ON TWO ISSUES: HMDA AND

PRIVATE FLOOD INSURANCE Massachusetts Room

Angela Robbin—Camden National Bank Shawn Megathlin—Bar Harbor Bank & Trust Highlights of two compliance issues. First, a roadmap of the final HMDA rule—which institutions are HMDA reporters, what loans are considered reportable and what data must be collected. Second, the Biggert Wa-ters Act requires banks to accept private flood insurance policies. More private poli-cies are cropping up, but not all policies meet standards required by the Act. Do you know what to look for?

9:00 a.m. EXHIBITS

CONTINENTAL BREAKFAST

Nametag Lanyards Compliments of BNN

Conference Bags Compliments of Verrill Dana

Pads and Pens Compliments of NEACH

7:30—8:00 a.m. COFFEE & REGISTRATION

Main Lobby

Morning Coffee Compliments of Wolf & Company

* SECURITY CERTIFICATES # CLE CREDITS % AAP CREDIT

*SECRET SERVICE AND CYBERCRIME Connecticut Room

Matt O’Neill—U.S. Secret Service What’s new in the world of cybercrime? This session updates counterfeiting, scams and data breaches that affect financial institutions, how the Secret Service is combating them and how banks can aid in investigations.

#PREVENTING ELDER FINANCIAL ABUSE Massachusetts Room

Judy Shaw—Maine Office of Securities Maine has proven itself a leader in putting programs in place to detect and prosecute elder financial abuse. Senior$afe is a coop-erative effort among financial entities, state agencies and elder groups to train front line personnel to identify elder financial abuse. Also touched on will be the Financial Abuse Specialist Team (FAST) created to help ex-pedite prosecution and investigations of elder exploitation.

*#INSIDE A DATA BREACH New Hampshire Room Josh Silver, Esq.—Bernstein Shur Jeffrey Lind—Clark Insurance Linda Varrell—Broadreach Public Relations Leading experts will walk attendees through the process of what happens once a breach has occurred from the legal, public relations and insurance perspectives, touching on the legal and regulatory landscape, current case law, reputation management and response, and insurance policy coverages and expense allocation through the claims process.

2:30—3:00 p.m. EXHIBITS & REFRESHMENTS

Grand Prize Drawing: ASUS ZENPAD S 8.0

Compliments of Systems Engineering

Refreshments Compliments of Eaton Peabody

3:00 p.m. CONCURRENT SESSIONS

FISERV USERS GROUP ROUNDTABLE Rhode Island Room Discussion led by Craig Garofalo Kennebec Savings Bank Fiserv core system users can gather and discuss best practices, product usage, challenges and opportunities related to core processing and electronic banking systems. Please bring any topics or questions you would like discussed among the group.

JACK HENRY USERS GROUP ROUNDTABLE Connecticut Room Discussion led by Tammy Plummer First National Bank Jack Henry core system users can gather and discuss best practices, product usage, challenges and opportunities related to core processing and electronic banking systems. Please bring any topics or questions you would like discussed among the group.

*#CYBERSECURITY: INTEGRATING REGULATORY EXPECTATIONS INTO YOUR CONTROL ENVIRONMENT Massachusetts Room

Ryan Rodrigue—Wolf & Company Cybersecurity continues to represent one of the greatest security and compliance threats facing financial institutions. This presentation will provide you with infor-mation needed to stay ahead of the regula-tory curve while implementing an effective cybersecurity controls framework. It will also help you interpret your institution’s risk profile under the FFIEC Cybersecurity Assessment Tool.

4:00 p.m. CONFERENCE CONCLUDES

11:00 a.m. Concurrent Sessions (continued)

#MILITARY LENDING Massachusetts Room

Aaron Kouhoupt—Bangor Savings Bank The Military Lending Act has raised the bar for determining military status of applicants and provoked fears that the rule will nega-tively affect servicemembers’ ability to ac-cess mainstream bank products. This session provides an overview of the Military Lending Act to include covered credit transactions and the new "Military Annual Percentage Rate."

BRANCH TRANSFORMATION: SIX KEY ELEMENTS TO DRIVE CHANGE New Hampshire Room Brett Rumble, Manager Diebold Global Advisory Services An exploration of key trends relating to the role of the branch. Shifting economics, non-bank competitors and changing consumer preferences force banks to transform the way they deliver services. The branch remains a widely-used delivery channel for consumers of all ages, but banks must evolve branches to focus on value-added interactions and find ways to provide convenient but lower cost methods to conduct transactions.

1:30 p.m. CONCURRENT SESSIONS

%SAME DAY ACH Rhode Island Room Sean Carter—NEACH The ACH network will be going through a major change with Same Day ACH, and all financial institutions will be impacted. As an RDFI you will have a new product to sell, if you choose. Join us to discuss the key components of the rule amendment, what to expect in the next phase and how you can prepare. The session will outline uses for same day ACH and what questions you should be asking your team now.

12:00 p.m. EXHIBITS & LUNCHEON

Dessert Buffet Compliments of Eaton Peabody

Booth Prize Drawings

EXHIBITORS TO DATE

BANK EXPO ADVISORY COMMITTEE THANKS TO OUR

SPONSORS Tammy Plummer, Chair First National Bank Ann Coffin Biddeford Savings Bank Scott Westhrin Camden National Bank Brad Martin Franklin Savings Bank Kevin Heatley Gorham Savings Bank Craig Garofalo Kennebec Savings Bank

Amanda Batson Kennebunk Savings Linda Bridges Kennebunk Savings (Bank Security Committee chair) Dennis Byrd Kennebunk Savings Chris Lyford Machias Savings Bank Ann Brett Norway Savings Bank

GRAND PRIZE!

ASUS ZENPAD S 8.0

LUNCHEON DESSERT BUFFET

AND AFTERNOON REFRESHMENT BREAK:

MORNING COFFEE:

NAME TAG LANYARDS:

CONFERENCE BAGS:

PADS AND PENS:

BBN

BluePay

Cayer Security Services

Compass IT Compliance

Cummins-Allison

CyberNorth

Deluxe

Eagle Direct & REMM Financial

Federal Reserve Bank

FISC Solutions

GraVoc Associates

Hygrade Business Group

Jack Henry Banking

King Information Systems

KIVA Group

Magee Company

MPX

NES Group

New England College of Business

Nymbus

Portland Safe

Sage Data Security

Securadyne

Sheshunoff Consulting + Solutions

SymQuest Group

Systems Engineering

W.B. Mason

Workgroup Technology Partners

Plan to download our Bank Expo Conference App for the latest program information, speaker and exhibitor lists. Check Google Play or iTunes a couple of weeks before the conference to download to your mobile device.