2016 Compliance Conference September 14-16, Middle Georgia State University, Macon

Registration Information Register by completing the form below and return to GBA, Attn: Angela Barber, via mail, fax, or email to GBA, 50 Hurt Plaza SE, Suite

1050, Atlanta, GA 30303. Fax 404.522.9848, or abarber@gabankers.com. Or, register online at gabankers.com. Early registration prices are in effect through Aug. 31; regular prices begin Sept. 1.

Full Conference Registration (Days 1-3) $450/pp early/ $500 regular Third & Additional Full Conf Registrant (same bank or member company) $375 early / $425 regular Day 1 Only $275/pp early / $325 regular Days 2 and 3 Only $300/pp early / $350 regular

Suggested Hotels Please contact hotels directly: Homewood Suites (Bass Rd Exit): 478.477.9776 or Hilton Garden Inn (Downtown): 478.741.5527.

Registration Cancellation and Refund Policy: Cancellations must be in writing and submitted to Angie Barber, GBA Registrar, at

abarber@gabankers.com, by Sept. 7 to receive a refund. Substitutions are welcome at any time.

Questions? Contact GBA’s Kathy Friestad at 404.420.2024 or kfriestad@gabankers.com.

Registration Form

Complete form below and return via mail or email to the GBA, Attn: Angela Barber, GBA Registrar, 50 Hurt Plaza, Suite 1050, Atlanta, 30303, abarber@gabankers.com. Checks should be made payable to the Georgia Bankers Association. Registrant Information

Name Nickname

Title

Bank/Company

Address

City State Zip

Phone Email

Number of Bank Employees Bank Asset Size:

Registration Package - Circle appropriate registration package and price. Early registration prices are in

effect through Aug. 31; regular prices begin Sept. 1.

Full Conference Registration (Days 1-3) $450/pp early/ $500 regular Third & Additional Full Conf Registrant (Same bank or member company) $375 early / $425 regular Day 1 Only $275/pp early / $325 regular Days 2 and 3 Only $300/pp early / $350 regular

Payment Method Check enclosed (payable to GBA) Invoice my bank/company

G E O R G I A B A N K E R S A S S O C I A T I O N 50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501

September 23-25, 2015 Middle Georgia State College Macon

September 14-16

Middle Georgia State University

Macon

G E O R G I A B A N K E R S A S S O C I A T I O N 50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501

2016 Compliance Conference

Message from the Chair

We all know that the regulatory challenges facing our institutions continue to increase in number and complexity with no end in sight.

Resources have definitely not kept pace and many times have actually been cut. We are all pushed daily to do more with less.

While technology can help, it often brings its own compliance obstacles. GBA is here to help us overcome these challenges. The 2016 GBA

Compliance Conference is designed to bring you the latest information, tools, and best practices in the bank compliance arena.

Compliance and risk professionals of all experience levels will benefit from this information-packed program. The conference is scheduled

for Sept. 14-16 at Middle Georgia State University in Macon. Sessions range from high-level overviews to detailed how-to workshops.

This conference will provide you with up-to-date continuing education you need to meet compliance certification requirements as well as

help you maintain your professional skills and credibility in your organization. It is also a great opportunity to network with fellow compliance

and risk professionals, make new friends and professional relationships and renew and strengthen existing ones. You’ll hear from nationally

recognized speakers as well as local bank experts. As in the past, GBA is offering a split agenda and registration so compliance and risk

professionals can take advantage of the portions of the conference most relevant to their unique needs.

I have had the wonderful honor and privilege of serving as the GBA Compliance Committee Chair this year. I thank all of the committee

members for their many hours of volunteer effort in planning and delivering this outstanding program. I hope you’ll join us in September for

the premier bank compliance event in Georgia.

Sincerely, Jim Bedsole, CRCM, CBA, CFSA, CAFP 2016-2017 Compliance Committee Chair Senior Vice President, Chief Compliance and Risk Officer BankSouth, Greensboro

2016-2017 GBA Compliance Committee

Mr. Jim Bedsole, Chair BankSouth, Greensboro Ms. Janna Elrod, Vice Chair First Landmark Bank, Marietta Mr. Matt Donaldson, Group 1 Durden Banking Company Twin City Ms. Jessica Adams, Group 2 Family Bank, Pelham Mr. Thomas Williams, Group 4 United Bank, Griffin

Ms. Debra Helton, Group 6 The Geo. D. Warthen Bank, Sandersville Ms. Maggie Davis, Group 8 Commercial Banking Company, Valdosta Ms. Dorothey Cunningham, Group 10 Georgia Bank & Trust Company Augusta Ms. Paula Allen, At Large Ameris Bank, Moultrie Mr. Bruce Lewis, At Large American Commerce Bank Bremen

Mr. Ken Stewart, At Large Pinnacle Bank, Elberton Mr. Jeremy Clifton Associate Member Representative Steve H. Powell & Company, Statesboro Mr. Paul Cross Associate Member Representative Banc Financial Group, Atlanta Ms. Louvera Walden Associate Member Representative FIS Global, Atlanta

Thursday, Sept, 15, cont’d ... 2:45 p.m. Break 3 p.m. Peer Group Discussions 4 p.m. Break 4:15 p.m. Serving Those Who Serve – Military Lending Act Update Jim Bedsole, CRCM, CBA, CFSA, CAFP Chief Compliance and Risk Officer, BankSouth As of the production of this brochure, extensive revisions to the MLA take effect Oct. 3. With Georgia’s extensive military presence, anyone who makes consumer loans must be up to speed on these new rules. This session will provide a final countdown checklist of the things you should have in place to ensure compliance with new restrictions, prohibitions and required disclosures – written AND oral. 5:15 p.m. Adjourn / Evening on Your Own

Friday, Sept. 16 – Loan Compliance 7:15 a.m. Continental Breakfast 8 a.m. HMDA (Home Mortgage Disclosure Act) – Weathering the Storm Louvera Walden, Sr. Engagement Mgmt. Manager, FIS Global HMDA continues to be a serious compliance challenge, and it is changing to require even more information. It is vital to understand the complex rules and requirements for collecting and reporting data for dwelling-related applications. In essence, anyone will be able to conduct a fair lending review of your bank by looking at your new HMDA data. Learn what’s new and how to prepare for the coming storm. 9 a.m. Break 9:15 a.m. Appraisal Reg Requirements / HPML Requirements (Loans) Toni Bright, Chief Compliance Officer, CoesterVMS 10:15 a.m. Break 10:30 a.m. The Uniform CMS Model: How to Lower Risk and Cost While Improving Performance Pam Perdue, EVP, Operations, Continuity Learning to build your compliance management system and programs around six key objectives, and the Uniform Compliance Management System Model, leaves you ready to deliver compliance performance at markedly lower costs with greater accuracy. Learn how uniform, standardized approaches and updated views on technology best practices can transform your organization. Noon Conference Adjourns

2016 GBA Compliance Conference Session Details

G E O R G I A B A N K E R S A S S O C I A T I O N 50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501

2016 GBA Compliance Conference Detailed Agenda

G E O R G I A B A N K E R S A S S O C I A T I O N

Wednesday, Sept. 14 - Compliance Risk Management 8:30 a.m. Registration, Continental Breakfast and Exhibitor Set Up 9:45 a.m. Welcome and Introductions Jim Bedsole, CRCM, CBA, CFSA, CAFP

Chair, 2016-2017 GBA Compliance Committee SVP, Chief Compliance and Risk Officer, BankSouth, Greensboro 10 a.m. Evolving Deposit Products – Same Old Regulations, Brand New Products Deborah Kent-Cochran, Engagement Management Manager, FIS Global RISC Solutions Technology and banking have seen enormous changes over the years. Evolving account access and payments options in areas such as ATMs, debit, prepaid, PayPal, bitcoin, P2P, mobile phone banking and ApplePay have fundamentally changed the way banks and their customers do business. But, other than a few minor tweaks to regulations E, CC and DD, deposit regulations have remained unchanged. So, just how do you make sure your bank allows for the new access points to deposit accounts while still meeting the rules laid out in the regulations that have not been updated? Don’t miss this session as we explore this challenge and how your compliance team can succeed. 11:15 a.m. Sponsor and Exhibitor Mini-Presentations 11:30 a.m. Lunch 12:30 p.m. Hot Topics in Social Media & Advertising Compliance Sharon A. Blanchette, CPA, CIA, CRCM, CAMS, MBA

Director, Risk Management, FIS Global RISC Solutions

There’s a long list of compliance rules and requirements for advertising, and the advent of social media channels has only complicated the job of creating ads that bring in new business and comply with all the rules. Join us for this session that will help compliance officers, marketing officers and third parties work in concert to ensure compliance AND effectiveness. We’ll cover areas such as UDAAP and fair lending, how to craft a compliant social media strategy, legal, operational, and reputational risk. You’ll even get take-home tips for monitoring and testing your advertising and social media efforts. 1:30 p.m. Break 1:45 p.m. UDAAP – Many Shades of Gray Andy Barksdale, TruPoint Partners The regulators’ ongoing scrutiny on issues relating to unfair, deceptive or abusive acts or practices (UDAAP) compels banks to make UDAAP a crucial part of their compliance management system. The challenge is that UDAAP is dependent on the specific circumstances in any given case, making it an inexact science. This interactive session will review the CFPB’s definition of “unfair,” “deceptive,” and “abusive” acts or practices, bring forward real-life observations by studying enforcement actions and explore practical solutions to help your organization manage the risk.

2:45 p.m. Break – Sponsored by Fiserv, Inc. 3:00 p.m. BSA – Past, Present, and Future Lori Godfrey, CFE/CEM, Deputy Commissioner for Supervision

Georgia Department of Banking & Finance Learn about the exceptions being discovered in examinations, recent enforcement actions and areas that examiners are focusing on to better prepare you for your bank’s next BSA examination. Godfrey will also discuss BSA changes to include beneficial ownership.

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2016 GBA Compliance Conference Detailed Agenda

G E O R G I A B A N K E R S A S S O C I A T I O N

Wednesday, Sept. 14, continued 4:15 p.m. Break 4:30 p.m. Regulation E Diane L. Banks, Assistant Director – Custom Training Delivery

Center of Regulatory Intelligence, FIS EGRC Solutions

This session will cover Regulation E provisions, with special focus on error resolution and recently reinforced guidance on EFT payments. 5:30 p.m. Opening Reception

Thursday, Sept. 15 – Loan Compliance 8 a.m. Continental Breakfast 8:45 a.m. A View from Washington Rick Freer, Senior Director, Examination & Compliance Programs

Center for Regulatory Compliance, American Bankers Association

Get a picture of the regulatory outlook for the next six to 12 months for the Consumer Financial Protection Bureau, the prudential regulatory agencies and others, as well as current consumer compliance regulatory topics, examination issues, supervisory findings and examination preparedness. 10:15 a.m. Break – Sponsored by CICCAR 10:30 a.m. Regulatory Panel – Question & Answer Forum Moderator: Thomas Williams, CRCM, CCBIA,

Senior Vice President, Senior Compliance Manager, United Bank Joel Palmer, Assistant Deputy Comptroller, OCC Atlanta Field Office Matthew Duke, Field Supervisor (Compliance), FDIC Atlanta Regional Office Representative from the CFPB

Representatives from the FDIC, OCC and CFPB will answer questions submitted by attendees prior to the conference. Noon Lunch – Sponsored by Steve H. Powell & Company 12:45 p.m. Ten Community Reinvestment Act (CRA) Best Practices

Andy Barksdale, Managing Director, TruPoint Partners Matthew K. Duke, Field Office Supervisor, FDIC Elaine Hunter, Community Affairs Specialist, FDIC Our panel of experts will review 10 best practices that, if adopted, will help your bank meet the credit needs of all community members, successfully navigate the changing landscape and receive a satisfactory CRA performance rating.

1:45 p.m. Sponsor and Exhibitor Mini-Presentations

2 p.m. Flood Insurance Requirements Update

Bruce Lewis, VP, Compliance Officer, American Commerce Bank

Lewis will discuss the latest on flood insurance requirements, so your compliance team will be ready when the time comes.

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