Summer 2015 Georgia Communities First magazine

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Member:

• Join CBA in Savannah for the 47th Annual Meeting & Trade Show

• Executive Insurance Company: Celebrating 20 Years with CBA

• CBA of Georgia Endorses CBIZ

INSIDE

47th Annual Meeting & Trade Show

September 23 -27, 2015The Westin Savannah Harbor

Golf Resort & Spa

2 | www.cbaofga.com |Summer 2015

risks, vendors, audits, business conti nuity, exam preparati on, compliance strategy and planning. (My personal assessment: System more than pays for itself, a compliance manager’s dream, banks that have fully uti lized the system love it)

CBIZ Benefi ts & Insurance Services is a publically traded company that was rated the #1 U.S. Benefi ts Specialist in 2014. It is the 16th largest insurance broker of U.S. business and has over 4000 employees in 140 offi ces nati onwide. Its Atlanta offi ce has 22 professionals managing $500 million in employer sponsored health and welfare benefi t expenditures. CBIZ will provide a free employee benefi t analysis for all CBA member banks including a review of all current coverage including medical, dental, vision, life, disability and ancillary insurance. (My personal assessment: A very welcomed additi on of a major health benefi ts provider to serve GA’s banking market, aggressive pricing, will be a very appealing alternati ve to existi ng programs)

Please know that all of us at the CBA are committ ed to helping you in any way we can, so please don’t hesitate to contact us if we can be of assistance. Have a great summer!

Best regards,

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

Growing up in a household of four kids in which my Mom was a community banker and my Dad was a law enforcement offi cer, I heard this proverb many ti mes around the dinner table. Oft en att ributed to Benjamin Franklin in its current phrasing, the original form of this proverb used 'got' or 'gained' instead of 'earned' and was recorded as early as the 17th century, in George Herbert's Outlandish Proverbs, circa 1633: A penny spar'd is twice got.

The noti on appears to have been that, by declining to spend a penny and to save one's money instead, you are a penny up rather than a penny down, hence 'twice got'.

The current format of the phrase began soon aft erwards with the 'gained' usage.

Regardless of its origin, its simple truth is always relevant: It is as useful to save money that you already have as it is to earn more.

That is why I would like to highlight our Associati on’s Endorsed Member Companies because you can:

Save Time – Narrow your search for vendors quickly by taking a fi rst look at the vendors who have already earned the seal of approval from CBA members.

Save Money – Our Endorsed Member Companies off er special pricing to CBA members, which equates to real-dollar savings.

Earn Money – Explore the revenue-enhancement opportuniti es off ered by our Endorsed Member Companies to improve your bott om line.

Each of these Endorsed Member Companies has been placed through a rigorous due diligence process by the CBA team and our Member Services Committ ee, involving a thorough review of fi nancial stability, representati on, references and proposed member discounts. Aft er receiving a recommendati on from the Member Services Committ ee, the CBA Board reviews each proposal for fi nal approval.

ATM Response is an armored car company providing custom cash logisti cs and ATM maintenance soluti ons for Financial Insti tuti ons throughout the southeast. Founded in 1982 and based in Suwanee, Georgia, ATM Response off ers a wide range of service off erings including Cash Delivery from the Federal Reserve, ATM Maintenance Programs and ATM Balancing and Replenishment. (My personal assessment: Super nice guys, extremely responsive, will save you money)

Conti nuity is a Compliance Management System for community banks. Engineered to reduce the ti me, cost and risk impacts of regulati on, this unifi ed system automates the enti re regulatory lifecycle — managing regulatory updates, policies, procedures,

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

A Penny Saved is a Penny Earned

I hope you take a look at these three new Endorsed Member Companies, plus our roster of 25 other terrifi c Endorsed Member Companies that have been providing outstanding service to our members for quite some ti me - some in excess of 25 years! In additi on to providing great service, many a penny has been saved, and many a penny has been earned by our member banks due to these fi ne companies. A complete listi ng can be found on page 31.

With that in mind, I would like to introduce the recent 2015 additi ons to our impressive Endorsed Member Company roster:

Summer 2015 | Georgia Communit ies F i rst | 3

conti nue to shackle Main Street credit, as indicated by numerous independent studies and a mountain of testi mony from Main Street community bankers. The evidence is clear and overwhelming, and today few policymakers in Washington deny it.

With constant input and encouragement from ICBA, Congress conti nues to work on legislati on to provide meaningful regulatory relief for community banks. Many measures derive directly from ICBA’s Plan for Prosperity policy proposals. All of which would free community banks from regulati on truly aimed at megabanks, and many of the proposals would directly help community banks focus their limited ti me and resources on Main Street lending. America’s consumers, families and small businesses—and anyone with a personal stake in our economy—will benefi t from the measures.

That’s our primary message to Congress as we—with help from you and everyone at your community bank—push to secure meaningful regulatory relief this year. For so many important reasons, for so many people, let credit fl ow on Main Street. Let freedom ring!

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

Freedom and Lending Let freedom ring. Let economic liberty and opportunity fl ourish. Let credit fl ow on Main Street.

This month, on the heels of celebrati ng our nati on’s birth to secure personal freedom and economic opportunity, Independent Banker highlights recently successful lending by community banks. The magazine’s coverage represents snapshots of our industry, because there are far too many worthy community bank lenders to highlight in any single issue. So the coverage is part recogniti on of and tribute to the pivotal role community banks play in deploying local deposits to support people and local economies. (See the stories starti ng on page 20 and page 42.)

Available, aff ordable credit is the indispensible lubricant in our nati on’s mighty economic engine. In immeasurably diverse ways, credit empowers progress and helps fulfi ll individual ideas and dreams—the foundati on of American opportunity, freedom and prosperity. Knowledgeable, responsive lending—along with processing secure payments and safeguarding savings—is fundamental to the relati onship-based model all community banks follow.

Every community bank wants—and in fact counts on—its customers succeeding fi nancially as much or more tomorrow as they do today. Inherently, that involves responsibly providing credit to as many people as possible who need it. Oft en when other fi nancial insti tuti ons fail to meet consumers’ needs, it’s community banks that step up to provide the credit that helps Main Street succeed.

However, an underlying storyline amid this month’s Independent Banker coverage is how hard community banks must work today to conti nue to provide responsible, needed credit on Main Street. At almost every turn, from counterproducti ve compliance requirements to misfi t prudenti al mandates, one-size-fi ts-all overregulati on is imposing costly burdens that are distracti ng if not downright hindering community banks from their primary role of providing useful, job-creati ng credit.

Fortunately, ICBA and community bankers have secured several important and unprecedented excepti ons for community banks from some, but not enough of, the newest Dodd-Frank Act provisions and mandates. But those sensible policy victories only stemmed a ti de of excessive regulati on already weighing down community banks. The truth is that many misdirected regulati ons designed for Wall Street megabanks and nonbanks

Reg Relief Resource

Review ICBA’s Plan for

Prosperity regulatory

relief legislati ve measures

online at

www.icba.org/PFP2015.


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

JBJBPRESENTED BY GEORGIA’S LAW FIRM:

LEGAL NEWS AND

UPDATES FOR CBA MEMBERS

required the purchaser of a condominium at a foreclosure

assessment lien as security for

funds necessary to maintain the community and, therefore,

foreclosure for a price equal to

lenders, these decisions complicate loan enforcement

courts and come to a similar conclusion that the superlien

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“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

HOA Superliens Could Wipe Out Bank’s First Priority Lien on Real Property by Whalen J. Kuller and Michael N. White

Whalen J. KullerOF COUNSEL (404) 997-7505

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HomeownerASSOCIATIONS


Family owned and operated, Executi ve Insurance Agency, has been serving their customers for over 35 years.

Executi ve Insurance Agency was founded in 1980 by John and Pat Sower. Originally located in Morrow, Georgia, they moved to their current locati on in Stockbridge in 1996. Twin brothers Ryan and Randy began working in the business in 1992 and acquired the company in 2010. They have conti nued the traditi on of operati ng a local business with community ti es started by their parents.

In 1995, Executi ve Insurance Agency was endorsed by the Community Bankers Associati on (CBA) for Blanket Vendors Single Interest Insurance (commonly known as VSI), which is designed to protect the lender’s interest only in their collateralized consumer installment loan portf olio. Lenders are able to pick which coverage and collateral that is important to them, creati ng a tailored policy for each individual bank.

Now in their 20th year as a CBA Endorsed Member Company, Executi ve Insurance conti nues to demonstrate their true commitment and loyalty to community banking in Georgia.

“Through rapid growth and technological advancement that has allowed our business to prosper, we have retained that criti cal human element by ensuring that you speak to a real person when you call our offi ce. Additi onally, we make certain to take whatever ti me is necessary to educate our clients about their policy, and strive to be available for them in any way we can,” said Ryan Sower, Executi ve Vice President.

“We are a Managing General Agency for multi ple underwriters, and have full claims and draft authority for each of them. Every aspect - from receiving the claim, requesti ng any missing or

additi onal informati on, assigning the claim to the appropriate adjuster, to personally signing the sett lement checks is done right here in our offi ce. It is this hands-on approach that allows our business to conti nue to thrive. We are able to help lenders with all their collateral insurance needs, such as VSI, Flood, GAP, REO, Creditor Placed, Blanket, Tracking Services, and more,” conti nued Ryan.

Corey Gibbs, President & CEO of Community Banking Company of Fitzgerald and a longti me customer of EIA, said it best, “In today’s demanding environment, it’s very refreshing to do business with a company that provides professional service on a personal level. Randy and Ryan Sower of Executi ve Insurance Agency have been essenti al business partners with us for 10 years. As expected, each interacti on has been handled ti mely and effi ciently.”

“Ryan and Randy have done a great job providing a quality product to our member banks and our members appreciate being able to pick up the phone and reach them whenever they need something,” said Rob Braswell, President & CEO of Community Bankers Associati on of Georgia. “We are tremendously appreciati ve of our 20-year partnership and for their long-standing support.”

To learn more, contact Ryan Sower at (770) 474-2355 or ryan@executi veinsuranceagency.com.

"It's very refreshing to do business with a company that provides professional

service on a personal level."

EXECUTIVE INSURANCE AGENCY CELEBRATING 20 YEARS AS CBA ENDORSED MEMBER COMPANY


Under the Florida sun and on its gorgeous Gulf Coast beach, Georgia community bankers, associate members and colleagues from around the country followed the Yellow Brick Road to the Emerald Coast and Sandesti n Golf & Beach Resort, Desti n, FL, for the hugely successful CBA Leadership Division Conventi on and Mini-Trade Show.

In additi on to being a wonderful locati on to network with fellow bankers, it’s also a wonderful opportunity for community bankers to learn - not only about ti mely hot topics, but also about valuable products and services banks can uti lize immediately upon their return to the offi ce.

Besides the sessions and the trade show were the Julian Hester Memorial Golf Tournament, a 5k and Kids’ Fun Run and the fun-fi lled Chairman’s Family Recepti on and Dinner. The fi nale featured talented and funny comedian, Don Friesen of South Pasadena, CA.

The keynote speaker on Sunday was Col. Edward Hubbard, USAF (Ret.), former Vietnam P.O.W. who stunned the audience with his story of overcoming horrifi c odds as a

prisoner of war merely by realizing “human potenti al is a state of mind.” “While he was capti ve, he never gave up his belief in himself or his country,” said Kyle Ray, Vice President, First Bank of Dalton and incoming Leadership Division Chairman. “His passion for the human spirit and surviving the worst possible scenarios is inspiring…and, he certainly put a new perspecti ve on having a ‘bad day’.” Topics also covered

were sources of non-interest income (by Dan Harbison, President & CEO, Farmers Nati onal Bank, and Instructor, LSU Graduate School of Banking - Bowling Green, KY), surviving the compliance burden (by Pam Perdue, EVP of Regulatory Insight, Conti nuity, New Haven, CT) and the ever-changing world of fi nancial technology (by Lee Wetherington, Director of Strategic Insight, Profi tStars, Valdosta).

The 37th Annual Leadership Division Conventi on featured many exciti ng elements. “With the support and parti cipati on of our exhibitors, sponsors and bankers, we’ve been able

Leadership Divis ion Convention & Mini-Trade Show

37TH ANNUAL

Leadership Division a Huge Success!Leadership Division a Huge Success!


to make our c o n v e n t i o n s even more impactf ul,” stated Rob Braswell, President & CEO, CBA of Georgia. “We had an all-star line-up of speakers providing thought-provoking ideas about community banking and, in Col. Hubbard’s case, the human spirit; and, of course, all the fun things our members and their families have come to enjoy over the years.”

“This was the best conference I have att ended yet,” stated Jason Rooks, Vice President and Commercial Loan Offi cer, Flint Community Bank, Albany. “Tons of takeaways…Col. Hubbard was one of the most powerful speakers I have heard in my life.”

The Mini-Trade Show was a beehive of acti vity with a maximum of 30 excepti onal vendors adverti sing their benefi cial and cost-saving products and services. At the

conclusion of the trade show, all bankers turned in their booth cards (denoti ng they’d visited every booth) for a drawing. Casey Smith, LaGrange Banking Company, won the $100 cash prize plus half-off her registrati on fee for the 2016 Conventi on.

Immediately aft er the Trade Show, att endees were able to conti nue conversati ons during the Networking Break, and then many vendors drew names and gave out their booth prizes (items included electronics, Beats wireless headphones, 2015 Masters hats, ti ckets to Atlanta Braves games, a FitBit, iPad Mini, gift cards and more ). The Saturday and Sunday cash prizes were sponsored by CSRA Business Lending, Augusta; and, Randy Griffi n was on-hand to award the prizes to Jim Cowart, Durden Banking Company, Twin City, and Jason Rooks, Flint Community Bank, Albany.

The Julian Hester Memorial Golf Tournament took place on Saturday aft ernoon at The Baytowne Golf Club on Sandesti n property. The weather was gorgeous even though a litt le warm, but everyone had a great ti me! The fi rst place team, with a combined

score of 59, was comprised of Ray Muggridge, Bank of Camilla, Bob Larison, Triad Financial Services, and David Knieriem and Dave McOlgan, both with Computer Services, Inc.

The second place team, with a combined score of 61, was comprised of Mark Fucci, SHAZAM, Drew Peterson, BASYS Processing, JR Llewellyn, Compensati on Advisors, and Danny Adkins, Citi zens Bank of Americus. The Longest Drive was hit by David Knieriem ; and, the Closest to the Pin was hit by Cleve Carlile, Cummins-Allison.

The annual fundraising 5K and Kids’ one-mile Fun Run were great fun in the early morning winding through the scenic tropical neighborhoods of Baytowne Wharf. The 5K raised an additi onal $1,800 for CBA’s PAC/PR and the Kids’ Fun Run raised money for Children’s Healthcare. “Parti cipati ng in the 5K is a healthy and fun way to show support to our fundraising eff orts,” stated Kristi Greer, Educati on & Development Offi cer, Oconee State Bank, Watkinsville. The male and female winners of the 5K were Harren Betti s, son of Ty Betti s, Bank of Dawson, and Kelli Powell, sister of Kristi Greer with Oconee State Bank, Watkinsville. The male and female winners of the Kids’ Fun Run were Joseph Greene, son of Lindsay Greene with CBA and Claire Holcomb, friend of Sarah Braswell, daughter of Clayton Braswell with ATM Response, Suwanee.

New at this year’s Leadership Division Conventi on was the “7-Minute Spotlight,” sponsored by ATM Response, where one lucky banker in the audience won ten crisp one-hundred dollar bills. Jim Pack presented to the audience for seven minutes on the company’s services while owner, Clayton Braswell looked on anxiously awaiti ng to award one thousand dollars to a lucky banker/bank director. All bankers in the audience during the enti re presentati on completed an entry form and turned them in to be eligible for the drawing. Trae Dorough, Touchmark Nati onal Bank, Alpharett a, was the winner of the cash.

The 2015-2016 Leadership Division Board of Directors, chaired by Kyle Ray, Vice President, First Bank of Dalton, was


approved at the Leadership Division Conventi on. “Our Leadership Division has a strong history of setti ng and exceeding very ambiti ous goals each year and I am certain that will conti nue under Kyle’s guidance as Chairman”, stated CBA President & CEO Rob Braswell. ”We are excited to

see the great things that can be accomplished in the coming year.”

During the dinner, the Children’s Healthcare Big Bucks Bonanza drawing was held and Melody Halloran, Guardian Bank, Valdosta, was the winner of the $5,000 prize. The winning ti cket was sold by Pam Horton of Guardian Bank, Valdosta and she donated her $250 prize back to Children's Healthcare. Chip Davis, Family Bank, Bainbridge, 2014-2015 Children’s Healthcare Fundraising Chairman, presented the Children’s Healthcare totals to the audience during the program. CBA’s Leadership Division (LD) raised over $27,000 for the worthy cause during the 2014-2015 term.

CBA’s Leadership Division names its Representati ve and Division of the year at every annual conventi on. For the 2014-2015 term, we are pleased to announce Division 2

won Division of the Year. Division 2 Chairman Heath Fountain, HeritageBank of the South and Vice Chairman Chip Davis were on-hand to accept the award. Kristi Greer, Oconee State Bank, Watkinsville, won Leadership Division Representati ve of the Year. CBA President & CEO Rob Braswell said, “Kristi is a bundle of energy who is always looking for ways to help someone. She has a big heart and tackles all Leadership Division initi ati ves with a tremendous 'can-do' spirit. Kristi is a very deserving winner of the Leadership Division Representati ve of the Year.”

The audience also heard from the outgoing LD Chairman, Rusty Powell, Highland Commercial Bank, Mariett a, and from incoming Chairman, Kyle Ray, First Bank of Dalton.


Thank You to our Sponsors!

Thank You to our Exhibitors!

Platinum Silver

Signs provided by

General Sponsors

5K/Fun Run General Sponsors

JB

JBBoard Appreciation Dinner

Hotel Key Cards & Board Meeting

Registration Packet & Saturday Networking Break

Convention Totes

Family Entertainment

In-Room Gifts & Name Badges

Saturday Cash Prize, Sunday Cash Prize & Welcome Refreshments Convention Program &

Front Nine Golf Sponsor

Individual Event Sponsors

Sunday Breaks

Bottled Water

7-Minute Spotlight

WiFi PasswordKeynote Speaker Sponsor

Photo Booth

Board Appreciation Reception

Golf Tournament Prizes

Platinum Elite

Saturday Breakfast Buff etSunday Continental Breakfast

5K/Fun Run Premier Sponsor

ACGPhil Winn

ATM ResponseClayton Braswell

Atris TechnologyScott McElhiney

Auburn University Accounting OnlineAndee Hodo

BankSmartJim Wilkson

Barret School of BankingChris Kelley

BASYS ProcessingBrady Hanna

Computer Services, Inc.David Knieriem

Crescent MortgageAshli Matson

CRS DataKirsten Elkins

CSRA Business LendingRandy Griffi n

Cummins-Allison CorporationCleve Carlile

Dell SecureWorksJamie Kirkland

DeNyse CompaniesTim Luther

Ellie Mae, Inc.Cedric Kalvesmaki

Federal Reserve BankBrenda Simpson

First DataEmily Scott

GA Resource Capital, Inc.Tim Souther

Harland ClarkeDoyle Baker

Intercept Consulting GroupSteven Roberts

Investment Professionals Inc. (IPI)Steven Ransdell

NYMBUSAlexander Lopatine

PULSEMark Reda

Saltmarsh, Cleaveland & GundAlex Hager

SHAZAMMark Fucci

TJS Deemer Dana LLPGrayson Dent

TravelersLaura Hipp

Triad Financial ServicesRobert Larison

Warren Averett, LLCMarlene McCain

WebEquity SolutionsAndrew Ross


HIGHLIGHTS:

CBA Leadership Division Elects 2015-2016 Board of Directors

CONGRATULATIONS TO THE NEWLY-ELECTED BOARD OF DIRECTORSChairman: Kyle Ray – First Bank of DaltonChair - Elect: Terri Bunten Guthrie – First Landmark Bank, Mariett a1st Vice Chairman: Jason Rooks – Flint Community Bank, Albany2nd Vice Chairman: Jamie Tallent – United Community Bank, EllijayImmediate Past Chairman: Rusty Powell – Highland Commercial Bank, Mariett a

Greg Ponder – Pineland State Bank, Mett erSteve Kimbrell – South Georgia Bank, GlennvilleChip Davis – Family Bank, Bainbridge Ty Betti s – Bank of Dawson, Albany Kevin Massey – Bank of Terrell, DawsonDanny Adkins – Citi zens Bank of AmericusCasey Smith – Calumet Bank , LaGrangeGreg Proffi tt – Newton Federal Bank, CovingtonTrae Dorough – Touchmark Nati onal Bank, Alpharett aChris Cochran – Affi nity Bank, AtlantaPowell Griffi th – Farmers & Merchants Bank, EatontonJonathan Pope – Exchange Bank, MilledgevillePaul Black – Vinings Bank, Smyrna Robbie Stephens – NorthSide Bank, Adairsville Adam Smith – First Nati onal Bank of Coff ee County, DouglasThomas Bennett – Alma Exchange Bank & TrustDaniel Lopez – United Community Bank, JasperMartha Brown – Independence Bank of Georgia, BraseltonKristi Greer – Oconee State Bank, Watkinsville Lee Garrett – Liberty First Bank, MonroeRob Braswell – CBA of Georgia, Atlanta

Div. 1 Chair:Vice Chair:

Div. 2 Chair: Vice Chair:






Div. 8 Chair:

Vice Chair:Div. 9 Chair:

Vice Chair:

Div. 10 Chair: Vice Chair:Ex-Offi cio:

Members at Large: Jim Cowart – Durden Banking Company, Twin CityRichy Everly – Bank of WrightsvilleDave Fain – Commercial State Bank, DonalsonvilleShannon Fortson – Pinnacle Bank, ElbertonCorey Gibbs – Community Banking Company of FitzgeraldChuck Harwell – Community Bank of Dublin-Laurens CountyAndy Thomas – The Commercial Bank, CrawfordDebra Weil – PlantersFIRST Bank, FitzgeraldSue Wyatt – BrandBank, DuluthPeake Wilson – CBA of Georgia, Atlanta

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CBA of Georgia Endorses CBIZThe Community Bankers Associati on of Georgia (CBA) is pleased to announce the endorsement of CBIZ Benefi ts & Insurance Services for employee benefi ts and insurance.

The Community Bankers Associati on conducts an extensive due-diligence before selecti ng a company as an Endorsed Member Company (EMC). CBIZ, with local offi ces in Atlanta, earned the approval of both CBA’s Member Services Committ ee and the Board of Directors.

CBIZ, Inc. (“CBIZ”) is a Delaware Corporati on incorporated in 1987. CBIZ is engaged in providing professional business services, products and soluti ons that help its clients grow and succeed by bett er managing their fi nances and employees. CBIZ delivers top-level fi nancial and employee business services to organizati ons of all sizes, as well as individual clients, by providing nati onal-caliber experti se combined with highly personalized service delivered at the local level.

The Atlanta CBIZ offi ce has a staff of 22 employee benefi ts consultants including specialist in strategic planning, benefi t design, fi nancial analysis, and account management, marketi ng and employee assistance. Additi onally, the Atlanta CBIZ offi ce is recognized as a ‘Model-City’ with 70+ employees providing services in all core competencies including: property & casualty insurance; accounti ng, tax & audit; reti rement plan soluti ons; payroll, COBRA & fl ex; life insurance; business valuati on; and human capital services.

CBIZ B&I is ranked as the No. 1 U.S. benefi ts consulti ng specialist and a top 20 insurance broker of U.S. business by Business Insurance magazine. CBIZ is the only business services provider in the U.S. with leading employee benefi ts, property & casualty, accounti ng, actuarial, compensati on and payroll experts working together to develop integrated health care reform soluti ons that

will maximize results, minimize costs and ensure compliance.

Todd Gordon, Vice President of Sales at CBIZ commented on the endorsement. “Our mission is simple: to provide Georgia community banks with CBIZ’s local benefi ts services, complemented by our nati onal practi ce strength and experti se. CBIZ uti lizes strategic planning, technology, eff ecti ve communicati on and proacti ve services to design a benefi ts strategy that fi ts employees’ needs, as well as your bank’s fi nancial goals.”

“We are extremely pleased to announce the endorsement of CBIZ,” stated Rob Braswell, President & CEO of the Community Bankers Associati on of Georgia. “They have been a CBA Associate Member for three years and we’re excited about partnering with them to off er our member banks an additi onal opti on for health insurance. During our due diligence, we spoke with numerous CBIZ clients who found them to be very competi ti ve and provided excellent customer service for their employees.”

About CBIZ CBIZ, Inc. provides professional business services that help clients bett er manage their fi nances and employees. CBIZ provides its clients with fi nancial services including accounti ng, tax, fi nancial advisory, government health care consulti ng, risk advisory, merger and acquisiti on advisory, real estate consulti ng, and valuati on services. Employee services include employee benefi ts consulti ng, property and casualty insurance, reti rement plan consulti ng, payroll, life insurance, HR consulti ng, and executi ve recruitment. Visit www.cbiz.com or for more informati on, contact Todd Gordon, Vice President of Sales, at 770-858-4801 or [email protected].

Community Bankers Associati on of Georgia (CBA) is pleased to partner again this year with associate member Nichols, Cauley & Associates, LLC to off er the 2015 Georgia Community Bank Salary Survey.

The Salary Survey is a compilati on of current salaries and general benefi ts for common positi ons within Georgia's community banks. The survey can be a vital tool when determining competi ti ve pay and benefi ts for employee recruitment and retenti on.

All CBA member banks are invited to parti cipate in the survey, and those parti cipati ng will receive a complimentary copy of the survey report. Non-parti cipati ng member banks are able to

purchase the survey for $250 and the non-member cost is $350. Anti cipated results from the survey will be available September 1, 2015.

The survey is simple and easy to use. Please complete the online survey no later than July 31, 2015. The link is htt ps://www.surveymonkey.com/s/CBASalarySurvey2015.

The survey includes informati on on salary, bonus or additi onal compensati on, qualifi ed plans and additi onal benefi ts. Banks will be also be categorized by asset size as well as Metro-Atlanta and non-Metro Atlanta.

For more informati on, contact Lindsay Greene, CBA, [email protected] or 770.541.0376 or Ashleigh Gillis, Nichols, Cauley & Associates, LLC, [email protected] or 800.823.0117.

FREE TO PARTICIPATING BANKS!

2015 GEORGIA COMMUNITY BANK

SALARY SURVEY


Travelin’ along, there’s a song that we’re singin’ – come on, get happy! Why HAPPY you ask? When you think about it, we spend one-third of our life at work. What if we could add a secret ingredient that would increase sales, producti vity and accuracy on tasks at your bank or business? Studies show that happiness can do that and a lot more. Our line-up of speakers, acti viti es and entertainment is sure to leave you singing, doing the happy dance and returning to work with a huge smile!

The Community Bankers Associati on of Georgia (CBA) invites you, your senior staff and directors to att end the 47th Annual Meeti ng & Trade Show, September 23rd - 27th at The Westi n Savannah Harbor Golf Resort & Spa. This acti on-packed conventi on, emcee’d by David Peterson, i7strategies, is sure to off er you the chance to hear phenomenal speakers covering hot topics, enjoy outstanding entertainment and parti cipate in engaging acti viti es for bankers, associate members, families and guests!

In additi on to the dynamic speakers you will hear, learn fi rst-hand about the latest products and services at the trade show, and leave the conventi on armed with loads of valuable informati on, strengthened relati onships, and a refreshed spirit to serve your community.

Come enjoy traditi onal CBA favorites like the Welcome Recepti on & Dine-Around, Silent Aucti on, General Session and Golf Tournament. The Saturday evening Chairman’s Banquet will be an incredible event as well, during which Lifeti me Service Awards are presented, we say farewell to the outgoing Chairman, welcome the incoming Chairman, and enjoy the dazzling magic and comedy of Tim Gabrielson.

Join us in Savannah, September 23-27 for CBA’s 47th Annual Meeting & Trade Show!

Come On, Get Savannah!in

Keynote Address: "The Hows and Wise of Happiness at Work"Brad Montgomery will teach us how to use happiness to boost producti vity, creati vity, innovati on and sales. He will transform our meeti ng into a transformati onal event using the power of happiness. Oh, and he’s prett y funny. Other speakers TALK about happiness, but Brad will SHOW us how to harness the power of happiness in hands-on experiences that we’ll remember and implement.

Brad has transformed audiences in all 50 states and on four conti nents. His clients include Microsoft , Verizon, The FBI (yes, that FBI) the CIA (yes, that CIA) and the IRS (where he withheld 30% of his best strategies.)

Momma Told Me There’d Be Days Like ThisMark Mayfi eld Stressed out? Lethargic? Burned out? This program will help you solve those ills by learning fi ve behaviors that will help balance your life and by learning techniques to deal with your biggest stressor…PEOPLE! This keynote is high on content AND hilarity.


Wednesday-Sunday, September 23-27, 2015Meet the Entertainers!Back by popular demand, Corbin Hoats will perform during the Chairman’s Recepti on on Saturday evening beginning at 6:15 pm. Corbin performs live consistently in the east Alabama/west Georgia region near where he att ends school at Southern Union State Junior College. He plans to major in Managerial Science with a minor in Music Business. He has auditi oned for American Idol and made it to the Celebrity Judge round.

Immediately following the Chairman’s Banquet, sit back and plan to enjoy breathtaking magic and hilarious comedy performed by Tim Gabrielson as he teaches us how to Keep it Funny! He was such a huge hit at CBA’s Leadership Division Conventi on in June 2014 that we just had to have him back to entertain YOU! Tim has two primary goals when he steps on stage: 1) Inspire audiences; and, 2) Keep It Funny. In recent years, physicians have confi rmed what we already knew...that laughter is good medicine! Science has rivaled common sense in providing fi ndings that laughter is not only good for the soul, but also proven to be good for our health. Whether it’s the release of endorphins or the decrease in stress hormones that provide an overall sense of well-being and improved outlook, the cause isn’t as important as the result: A happier, healthier approach to everyday life!

WWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeedddddddddddddddddddddddddddddddddddnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnneeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeessssssssssssssssssssssssssssssssdddddddddddddddddddddddddddddddddddaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaayyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyy------------------------SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuunnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnddddddddddddddddddddddddddddddddddaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaayyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyy,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeepppppppppppppppppppppppppppppppppppttttttttttttttttttttttttttttttttttteeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeemmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeerrrrrrrrrrrrrrrrrrrrrrrrrrr 222222222222222222222222222222222233333333333333333333333333333333333--------------------------2222222222222222222222222222222222The Westin Savannah Harbor Golf Resort & Spa

Changing Bank Analyti cs: Stress Testi ng Applicati ons Essenti al to Strategic Planning and M&AKamal Mustafa, Chairman, CEO & Founding Partner, Invictus Consulti ng Group

Kamal will prepare banks for the economic and regulatory challenges that lay ahead with the increased importance and focus on capital adequacy, earnings, interest rate stress and liquidity.

Disrupti ve Innovati ons in Banking: A Call to Acti on for Community BanksVirginia Heyburn, Vice President of Insights & Advocacy, Fiserv

Explore the future of banking in a digital world and how banks must prepare to deliver finely-tailored advice and services in near real-time – to transform the mobile channel into a tool for sales.

A Conversati on with the RegulatorsModerated by Dan BrannanDan Brannan, Partner, James-Bates-Brannan-Groover, will moderate this interacti ve session, with live results from an instant poll, questi ons from the audience and regulators ready with answers and coverage of industry hot topics.

Your Competi tor Could Be Your Key to GrowthGabe Krajicek, CEO, BancVue

Discover a new way to rethink your competi ti on to help broaden your market and boost growth. You’ll hear the theory behind this approach to what you thought was competi ti on, as well as working examples of success.

Featured Speakers

ICBA ReportJack Harti ngs, ICBA Chairman, President & CEO, The Peoples Bank CompanyLearn about the ICBA’s eff orts in Washington and the impact these eff orts have on the community banking industry.


7-Minute Spotlight! Two Chances to Win $1,000!

Must Be Present to Win! Again this year, CBA is pleased to announce two fun, informati ve and rewarding presentati ons. At various ti mes during the General Session, Steve Sievert from PULSE and Philip Earnest from First Nati onal Bankers Bank (FNBB) will present their 7-minute spotlights.

Learn about these two companies and how they can help your bank grow and prosper. You have 1,000 reasons to att end and pay att enti on! Here’s how it works: As part of the sponsorship, PULSE and First Nati onal Bankers Bank (FNBB) will both have a 7-minute presentati on. You must be in the General Session for the enti re ti me (no late walk-ins), submit a simple entry form at the end of the presentati on, and the drawing for $1,000 will be held immediately aft er the presentati on. The drawing is for bankers and bank directors only who att end the

session. Good luck!

Annual Golf Tournament | Friday, September 25, 2015 The Club at Savannah Harbor lies nestled between the banks of the Savannah and Back Rivers of the splendid Georgia Low Country. The serenity of coastal Georgia, with its ti dal marshes and abundant wildlife provides the canvas for The Club at Savannah Harbor, created and designed by renowned architect Robert Cupp in conjuncti on with the legendary “Slammin’ Sammy” Snead. The course design uti lizes the Island’s spectacular natural setti ng to create a premium on shot-making. The Club at Savannah Harbor off ers unparalleled views of historic downtown Savannah while it gently winds its way through ti dal wetlands. The Club at Savannah Harbor is certain to provide an enjoyable and challenging golfi ng experience for players of all abiliti es.

2015 Annual Meeti ng Exhibitors*ATM Response • Bahr Consultants, Inc. • BancVue • BankTrends • Conti nuity • AmTrust North America

Crescent Mortgage Company • Dell SecureWorks • DeNyse Companies • Ellie Mae, Inc. • First Bank Mortgage First Data Fiserv • Genesys Technology Group • Gulf Coast Business Credit • Harland Clarke • Howe Constructi on, Inc. Intercept Consulti ng Group • Investment Professionals Inc. (IPI) • LoanSouth Mortgage • MST • NYMBUS

Point to Point Environmental • Promontory Interfi nancial Network, LLC • PULSE • Sageworks, Inc. Secured Reti rement Strategies Group, LLC • TJS Deemer Dana LLP

*As of print date

Thank You to Our Current Sponsors

Plati num ElitePlati num

Silver

Plati num SponsorshipCustomized Tote Bags

Bronze SponsorFriday Cash Prize

Saturday Cash Prize

Name Badges

Hotel Key - SBC

Water Bott lesWelcome

Refreshments

JBBoard Appreciati on

Dinner SBC

Registrati on PacketWiFi

Conventi on Program

Thursday Night Dessert & Coff ee

Thursday Night Dine-Around

Carving Stati on

Thursday Night Bars - Specialty Drink Friday Promo Materials

Saturday Break

Friday BreakfastChairman's

Banquet

7-Minute Spotlight

7-Minute Spotlight

Golf Tourney Beverage Cart Photo Booth

Saturday Night Entertainment

Co-Sponsor

Silent Aucti on Flyer

#GETHAPPY Twitt er Challenge

Golf Tournament Prizes

Individual Event Sponsors

Bronze

Board Meeti ng Refreshments


Community Bankers Associati on of Georgia (CBA) is proud to honor bankers who have marked a signifi cant milestone in the banking industry with the Lifeti me Service Awards. CBA pays tribute to bankers who have served 30 or more years in the banking industry at the Annual Meeti ng & Trade Show or holds a special presentati on at the employee’s bank.

All honorees receive an engraved plaque from CBA; and, a press release and photo is shared with their local media. Honorees are featured on the CBA’s website, in the CBA Today eNewslett er, and news of the award is shared with the banker’s local media. In additi on to the plaque, honorees with 50 or more years in the banking industry receive a customized gold and diamond lapel pin.

For 2015 recogniti on, names should be submitt ed by the bank’s President and/or CEO and should include detailed informati on

on the individual’s accomplishments (personal stories and professional accolades are encouraged). Select Lifeti me Service Award applicants will be recognized based on their commitment to the banking industry and service to their customers and community as well as their positi ve atti tude and personality.

If you know a banker who has 30 or more years of banking experience and a proven record in excellent community involvement, please contact Peake Wilson at [email protected] or call the CBA offi ce at (770) 541-4490.

LIFETIME SERVICE AWARDS – NOMINATE SOMEONE FROM YOUR BANK!

This spring, Judy Turner, President of Private Bank of Decatur, celebrated her 50th anniversary in banking. Ms. Turner began her career in banking on March 16, 1965, and has spent all of that ti me in banking in the Atlanta area – more than half of her career in the City of Decatur.

“I’m sti ll in banking because I enjoy the interacti on with the customers and the ability to help people and the community,” Turner says. “In fact, I don’t consider it work. It just feels like I’m able to help people accomplish their goals.”

To honor Turner’s 50-year banking milestone, her colleagues are pledging “50-for-50.” That is, donati ng 50 hours of community service in the Decatur market as a way to mark the occasion and honor Judy’s dedicati on both to community banking and community involvement.

Ms. Turner started with Citi zens & Southern Nati onal Bank, becoming one of the fi rst Personal Bankers when C&S started that program, and became an offi cer of the bank in 1974. A year aft er C&S became Nati onsBank (1995), Judy had an opportunity to go to work in the Decatur Offi ce of Bank South. Three years later Bank South was purchased by Nati onsBank and several community

leaders felt a need for a community bank in Decatur. They looked to Judy to organize and lead Decatur First Bank, where she was President and CEO. In November of 2011, Judy had the opportunity to join Private Bank of Buckhead to organize and open Private Bank of Decatur. Charlie Crawford, President of Private Bank of Buckhead, of which Private Bank of Decatur is a division notes that it is because of Turner that Private Bank of Buckhead chose Decatur as its fi rst market expansion.

She helped found and is President of the Decatur Book Festi val (having previously served as Treasurer) and has served as Chair of the Development Authority of DeKalb County, Trustee of the DeKalb History Center, Treasurer of Seniors Helping Seniors and was unti l recently on the board of the DeKalb Medical Foundati on. She has also served on the board of Community Bankers Associati on of Georgia.

“It is hard to fathom how many people have been positi vely infl uenced by Judy over her 50 years in banking,” Crawford says. “Many things have changed in our industry over that period but one thing hasn’t: Judy’s passion to serve her customers and her community in everything she does. “

JUDY TURNER, PRESIDENT OF PRIVATE BANK OF DECATUR, CELEBRATES LONGEVITY IN BOTH BANKING AND COMMUNITY SERVICE


Connect with CBA

www.icba.org/advocacy/meeti ngs.cfm

Our Bankers Are Putti ng the Our Bankers Are Putti ng the Community in Community Banking.Community in Community Banking.

Thank you!Thank you!

Share your community involvement news with CBA!

Send to [email protected].


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C ongratulati ons to the four winners of the 2015 Julian & Jan Hester Memorial Scholarship. Each winner will receive $1,000 to att end a Georgia college, university or technical school of their choice. Over 60 applicati ons were submitt ed to the Associati on through CBA member banks.

The scholarship is named for the late Jan Hester, daughter of Lalia and the late Julian Hester, long-ti me CEO of the CBA. The scholarship program began in 1991 and is based on merit. To compete, students must write a short essay on the characteristi cs of a community bank, and the conti nuing benefi ts they off er to their home communiti es. In additi on to supporti ng community banking, this scholarship fund is an opportunity to pass on the positi ve qualiti es both Julian & Jan Hester exemplifi ed.

“CBA is proud of these students and wish them well as they conti nue to further their educati on,” stated Rob Braswell, President

& CEO of CBA. “Each winner demonstrated outstanding scholasti c achievement and community service. The quality of applicati ons was extraordinary with students who excelled in academics, athleti cs, community involvement and more – really

an impressive group of high school seniors. Thanks to the generosity of our bankers and associate

members, the Educati on Foundati on is fully funded which means the Scholarship Program is completely self-suffi cient, giving support to generati ons of Georgia’s students in the future,” explained Mr.

Braswell.

CBA also thanks the panel of judges which included Paul Black, Vinings Bank, Smyrna; Megan

Raines, Travelers, Alpharett a; Dr. Don Sabbarese, Kennesaw State University; Kris Stoutamire, Howe Constructi on, Inc., Roswell; and Kathy Winiarczyk, Community Bank of the South, Smyrna.

STEPHANE BAIONE WILLIAM TREY WALKER

Stephanie Baione graduated from Frederica Academy on St. Simons Island in May 2015. Ms. Baione has served in numerous leadership positi ons including the school’s Student Advisory Committ ee, Honor Council Vice President and Honor Council Representati ve. She was a member of the Frederica Academy Science Team, Math Team and served as Student Council Treasurer for two years. Ms. Baione was involved for four years with the Coastal Youth Symphony of Georgia and served as co-principal for fl ute and piccolo. She served as Secretary of the Junior Board of Directors of United Community Bank. She is planning to att end Georgia Tech this fall.

Trey Walker graduated from Bainbridge High School in May 2015. He was a member of his school's Marching and Symphonic Band where he served as Secti on Leader and Band Lieutenant. He is acti ve with the Boy Scouts and has acheived Eagle Scout. Mr. Walker was also named Sons of American Revoluti on State of Georgia Eagle Scout of the Year, Senior Patrol Leaders, Webmaster and Troop Guide. He is founder and president of the BHS School Science Club. He has also served as Co-Captain of the BHS Match Team. Mr. Walker is planning to att end the University of Georgia in the fall and has been accepted into the Honors Program.

(l-r) Stephane Baione, with Greer Ward, United Community Bank

(l-r) Trey Walker, with Brad Barber, First Nati onal Bank of Decatur County

Sponsored bySponsored by

CAROLINE BASCH

Caroline Basch graduated from East Paulding High School in May 2015. She served as secretary of the Nati onal Honor Society, and was appointed a member of LEAD (Principal's Leadership Council). She served as Captain of her high school cross country and swim teams while maintaining a varsity spot on the track team for three years as well. She has been involved in the Nati onal Spanish Honor Society and the Nati onal English Honor Society. She was elected and served as Vice President in the student government associati on. Caroline is planning to att end Georgia Tech this fall.

(l-r) Caroline Basch, with Genevieve Cole, Georgia Heritage Bank

Sponsored by

SAMANTHA THOMPSON

Samantha Thompson graduated from Vidalia High School in May 2015. She served as President of the Nati onal Honor Society her senior year and has been on the Leadership team of FCA for three years. She is Vice President of Key Club and a DARE Role Model. She served as class secretary and treasurer for the Student Government Associati on and has served on the Executi ve Board since 2013. She placed 6th in the state in a statewide literary competi ti on. She has played three years varsity soft ball and was on swim team for two years. Ms. Thompson is planning to att end Mercer University in Macon in the fall.

(l-r) Hal Chesser, Vidalia Federal Savings Bank, with Samantha Thompson

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Congratulations to William Jones, recipient of the 2015 J. Steven Walraven Memorial Scholarship. The scholarship is named for the late J. Steven Walraven, a former community bank president who dedicated much of his life to his community and community banking. His wife Rebecca and their sons Joseph and Oakley have developed the scholarship in his memory. An accounting major at the University of North Georgia, William, was sponsored by Peoples Bank and Trust in Buford. The $500 scholarship is awarded to a Georgia community bank employee attending a college or university within the state of Georgia. The goals of the scholarship are to assist those employees interested in furthering their education and to enhance their career in community banking. William works in the Compliance Department at Peoples Bank and Trust. He volunteers with various organizations including Under the Bridge Ministries, Blackshear Place Baptist Church, Triple T Farm and the Kiwanis Club.

(l-r) William Jones, with Doug Nichols, Peoples Bank and Trust

Sponsored by



12 3


JULY 2015E D U C A T I O N P R O G R A M S

C O R P O R A T E E V E N T S

Complying with the New Integrated Mortgage Disclosures (Five Locati ons)July 14, Macon | July 15, Albany | July 16, Atlanta | July 21, Duluth | July 22, Macon

July 16 Workplace Law & Compliance Program: Workshop II, Atlanta

July 23 Home Mortgage Disclosure Act (HMDA), Macon

July 23 Workplace Law & Compliance Program: Workshop II, Macon

July 28 Commercial Real Estate (CRE) Appraisals: Reviewing & Interpreti ng, Atlanta

August 5 6th Annual CBA Georgia Bank Directors' College, Greensboro

August 3-7 Consumer Lending School, Atlanta (4 1/2 days)

August 10-12 15th Biannual BSA Offi cer School, Atlanta

August 11-12 Inaugural CFO Conference, Atlanta (1 1/2 days)

August 13 Turning Bad Debt Into Meaningful Recovery, Atlanta (1/2 day)

August 18-19 Training the Credit Analysis, Atlanta

September 23-27 47th Annual Meeti ng & Trade Show, Savannah

August 6 3rd Quarter Banker Regulatory Forum, Atlanta

August 19 3rd Quarter Session: Community Bank Leadership Academy, Macon

AUGUST 2015

AUGUST 2015

SEPTEMBER 2015

To learn more about these programs and to obtain informati on regarding CBA webinars and online training, please visit www.cbaofga.com. For assistance with Educati on Programs, contact Jodi Swilley at [email protected]. For assistance with Corporate

Events, contact Peake Wilson at [email protected].

FEATURED SPEAKERS Samuel Cox, CFO, Citi zens Trust Bank, Atlanta, Sheila Ray, CFO, State Bank & Trust, Atlanta, Scott Wilson, CFO, Pinnacle Bank, Elberton, Gregory Miller, Chief Economist, SunTrust Bank, Atlanta, Lee Burrows, CEO, Bank Street Partners, Atlanta, Kathryn L. Knudson, Partner, Bryan Cave, LLP, Atlanta, Mark C. Kanaly, Partner, Alston & Bird, LLP , Atlanta, Brennan Ryan, Partner, Nelson Mullins Riley & Scarborough, LLP, Atlanta, Garry A. Rank, Shareholder, Elliott Davis Decosimo, Greenville, SC and Richard Cook, Director, Elliott Davis Decosimo, Charlott e, NC.

Inaugural 2015 Georgia Community Bank ForumTUESDAY, DECEMBER 8, 2015

HYATT ATLANTA PERIMETER AT VILLA CHRISTINA, ATLANTA, GA

THANK YOU TO OUR SPONSOR!

CPE/CLECredits AvailableUPCOMING

EDUCATION PROGRAMS AND CORPORATE EVENTS


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

The CBA webinars are designed for most positi ons 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. Benefi ts of parti cipati ng in a CBA webinar are:

• Easy to Use, Time eff ecti ve, Cost eff ecti ve, Convenient, Interacti ve,

• Current Topics delivered by experienced speakers, • Three Registrati on Opti ons,

• Conti nuing Professional Educati on 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 opti on that best meets your training needs! For the most current listi ng of webinars, visit www.cbaofga.com.

Note: Dates/Topics subject to change.

JULY 20157/7 Regulatory Oversight of Third-Party Vendors: Due Diligence, Management & Contracts 7/8 Mandatory Compliance Regulati ons for the Frontline7/9 Managing E-SIGN, E-Statements & E-Disclosures7/14 Understanding the Board’s Role in Cyber Security Risk7/15 Mastering the SBA 7a Loan Part 2: Documentati on, Closing & Funding7/16 Commercial Appraisal Review Part 2: Sales Comparison Approach7/21 Your Customer Has Filed Bankruptcy, Now What?7/22 Regulati on E Made Easy 7/23 Developing Your UDAAP Program: Policy, Procedures, Risk Assessment & Audit 7/28 Constructi on to Permanent Lending Compliance with CFPB Rules: Issues & Update; Includes New Disclosures7/29 Call Reports: Lending Schedules RC-C, RC-N & RI-B7/30 ACH: Does Your Originator Agreement Meet NACHA Rule Requirements?

SEPTEMBER 20159/2 Strategic Planning Years 1, 3 & 5: Scope, Techniques & Elements in Draft ing Your Writt en Plan9/3 ACH: Defi ning & Identi fying Third-Party Senders: Risk, Liability & Audit Requirements9/9 UDAAP for the Board & Senior Management9/10 Call Reports: Understanding the New Regulatory Capital Requirements & the Revised Schedule RC-R9/11 Mortgage Adverti sing: Keeping your Promoti ons Compliant9/15 Managing the 8 Categories of Risk Assessment 9/16 Loan Underwriti ng Basics: Interviewing, Credit Reports, Debt Rati os & Regulati on B9/17 Imaged Documents: What to Keep, What to Destroy, What Holds up in Court?9/22 Auditi ng IRAs Step-by-Step9/23 Basic Banking for New Employees Part 1: Banking System, Deposit Operati ons, Lending9/24 Regulator Guidance & Issues in ATM Security9/29 HR Danger Zones: Regulati ons, Requirements & Best Practi ces to Keep You Out of Trouble9/30 Mandatory Compliance Regulati ons for Deposit Operati ons

AUGUST 20158/4 Fair Lending Comparati ve File Review8/5 Cross Selling & Referral Opportuniti es for the Frontline8/6 Business Account Signature Cards & Resoluti ons: Enti ti es, Authority & Documentati on8/11 Garnishments, Subpoenas, Summonses, Levies: Handling Offi cial Demands for Customer Funds8/12 Advanced Commercial Loan Documentati on8/13 CFPB Income Verifi cati on Rules for Self-Employed Borrowers: Tax Implicati ons for Qualifi ed Mortgages8/18 Website & Social Media Compliance8/19 USPAP Issues and Best Practi ces for Residenti al Appraisal Reviewers: Avoiding Violati ons8/20 How to Redesign Your BSA Program to Impact Your Bott om Line 8/25 Debt Service Coverage Calculati ons in Underwriti ng8/26 Mastering the SBA 7a Loan Part 3: Servicing, Liquidati on & Guaranty Purchase8/27 Facebook: Update on System, Strategies, Techniques & Tips

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.

Aff ordable, Professional Training, When and Where You Choose!3rd Quarter 2015 CBA Webinars

REGISTER

TODAY!

CPE/CLECredits

Available


The CBA University provides a variety of schools led by local and nati onal industry experts designed specifi cally for community bankers. Please make plans now to att end the school that best meets your training needs. To learn more, visit www.cbaofga.com or contact Jodi Swilley at [email protected] or 770-541-4492.

Dates/locati ons are subject to change. For most current informati on, visit the CBA website at www.cbaofga.com or contact

the CBA University Educati on Department at educati [email protected].

CONSUMER LENDING SCHOOLCONSUMER LENDING SCHOOLMONDAY - FRIDAY

AUGUST 3 7, 2015JULIAN HESTER TRAINING CENTER CBA HEADQUARTERS, ATLANTA

6th Annual

Wednesday, August 5, 2015WWeeddneessddaayyyyyyyyyy,,,, AAuuggggggggggusstt 5,, 220015The Ritz-Carlton Lodge, Reynolds Plantation, Greensboro

ACBA Georgia Bank Directors’ College

The CBA Consumer Lending School is a comprehensive, week-long study of consumer lending. The faculty will take the student through the process of consumer lending to develop and advance the skills necessary to administer quality consumer loans. Consumer lenders with at least one year of lending-related experience as well as lending support staff will benefi t from att ending the only Consumer Lending School in Georgia designed specifi cally for community bankers.

Please make plans today to att end this 4 ½ day school and come learn from industry experts while networking with other community bankers. To learn more and to register, visit www.cbaofga.com or contact the CBA Educati on Department at 770-541-4492.

The CBA and the Atlanta Regional Offi ce of the Federal Deposit Insurance Corporati on (FDIC) invites you to the 6th Annual CBA Georgia Bank Directors' College.

Bank Director training conti nues to be criti cally important for community banks. Our industry, while quite strong, conti nues to face challenges and opportuniti es. One of the keys to successfully meeti ng these challenges and opportuniti es is to have bank management and the directors fully-informed of the issues, responsibiliti es, rules, and regulati ons. For over a decade, the CBA has been a leader in off ering ti mely and informati ve bank director training designed for inside and outside bank directors to have an opportunity to fulfi ll their required conti nuing educati on.

The CBA is very appreciati ve of the support provided by Mike Dean, FDIC Atlanta Regional Director, and Frank Gray, FDIC Atlanta Assistant Regional Director, for their assistance in the development of this program. In additi on to the partnership with the FDIC, the CBA is also partnering with Mark Kanaly, Partner and Chair of the Banking Practi ce, Alston & Bird LLP, Atlanta.

Please make plans today to att end this one-day program designed specifi cally for Georgia community bank directors. To register, visit www.cbaofga.com or contact any CBA Team member at 770-541-4490. Due to the high demand for hotel rooms, we encourage you to make your hotel reservati on as soon as possible by calling the Ritz-Carlton Lodge at (706) 467-0600. We look forward to seeing you on Wednesday, August 5th at the beauti ful Ritz-Carlton Lodge at Reynolds Plantati on.

DON'T MISS THE REMAININGDON'T MISS THE REMAINING2015 CBA UNIVERSITY SCHOOLS

4 ½ Days

CPE/CLECredits

Available


One major requirement of the Bank Secrecy Act is to designate a BSA Offi cer and to ensure the BSA Offi cer is well trained and qualifi ed to carry out the duti es of this criti cal positi on. One way to achieve appropriate training for the BSA Offi cer and others with BSA responsibiliti es is to att end the CBA BSA Offi cer School. This interacti ve training school focuses on the basic framework, knowledge and resources needed to eff ecti vely and proacti vely manage the BSA/AML functi on. Newly-appointed BSA Offi cers and those needing a refresher will benefi t from this three-day school. To learn more and to register, visit www.cbaofga.com or contact the CBA Educati on Department at 770-541-4492.

15TH BIANNUALBank Secrecy Act Officer School

Monday - Wednesday • August 10-12, 2015

Julian Hester Training Center | CBA Headquarters, Atlanta

The CBA is pleased to partner with Troutman Sanders LLP law fi rm to off er the Inaugural CFO Conference designed specifi cally for Georgia CFOs and bank executi ves involved in fi nancial management.

This new 1 ½ day conference provides an opportunity for parti cipants to hear industry experts discuss fi nancial management hot topics and the format provides an excellent networking forum to share ideas with one another. To learn more and to register, visit www.cbaofga.com or contact the CBA.

FEATURED SPEAKERS Ed Cooney, President, Affi nity Bank, Atlanta; James Stevens, Partner, Troutman Sanders, LLP, Atlanta; Lindsey Piegza, Chief Economist, Sterne Agee, Atlanta; Ryan Barrow, Audit Manager, Porter Keadle Moore, LLP, Atlanta; Ron Mitchell, Partner, Mauldin & Jenkins, LLC, Albany; Jim Reber, President, ICBA Securiti es, Memphis; Tim Veal, Partner, Nichols Cauley & Associates, LLC, Dublin; Kevin O'Keefe, Principal, Investment Banking, Sandler O'Neill + Partners, LP, Atlanta; David Ghegan, Partner, Troutman Sanders, Atlanta

presentCBA AND TROUTMAN SANDERS

1 ½ Days

CPE/CLECredits AvailableINAUGURAL CFO CONFERENCE

TROUTMAN SANDERS LLP LAW OFFICE, ATLANTATUESDAY-WEDNESDAY, AUGUST 11-12, 2015

3 ½ Days8TH ANNUAL ADVANCED BSA OFFICER SCHOOL

TUESDAY-FRIDAY, OCTOBER 6-9, 2015 • THE KING & PRINCE BEACH & GOLF RESORT, ST. SIMONS ISLAND

For over a decade, the CBA has been a leader in Bank Secrecy Act (BSA) training for community bankers. The CBA is pleased to announce the 8th Annual Advanced BSA Offi cer School being held once again at the King & Prince Beach & Golf Resort in St. Simons. This 3 ½ day school is designed to provide the experienced BSA Offi cer with the latest BSA informati on and best practi ces to help minimize your BSA risk and to ensure your BSA Compliance Program is the best it can be.

Parti cipants will not only have an opportunity to hear from local and nati onal industry experts, they will also parti cipate in group exercises while networking with each other. The agenda will be available soon. Unti l then, please SAVE THE DATES and make plans NOW to att end the only Advanced BSA School in Georgia designed specifi cally for community bankers.

The CBA has held a limited number of hotel rooms at the King & Prince Beach & Golf Resort. The deadline to receive the CBA discounted hotel rate is Saturday, September 5, 2015 or unti l the room block is full. To make a hotel reservati on, please contact the resort directly at 800-342-0212. Be sure to menti on you are att ending the CBA Advanced BSA Offi cer School

3Days


www.servisfirstbank.com | Member FDIC | Equal Housing Lender


Compliance and vendor management have become increasingly intertwined as banks are held accountable for their own acti ons – and those of vendors that provide services on their behalf. With more acti viti es outsourced to third parti es and examiners scruti nizing vendor management programs heavily, the stakes are higher and it feels as though “know your vendor’s vendor’s vendor” is the phrase that rules the day.

Like most compliance mandates, interpretati on varies. Is every type of vendor subject to the same regulati ons? Does it make sense to have a one-size-fi ts-all vendor management program? What are the cost implicati ons?

Here are three ti ps to help your bank’s vendor management program identi fy risks ahead of ti me and protect against costly regulatory enforcement acti ons and civil monetary penalti es:

Tip #1 – Get the right informati on to the right people at the right ti meIt’s no longer wise to have everything handled in just one department. Beyond IT and informati on security, today’s compliance requirements impact a myriad of acti viti es from mortgage servicing to marketi ng. Those personnel in your bank who know the vendor and deal with its products or services daily are best equipped to evaluate the risks that vendor poses to your bank. Organize vendors by the acti viti es they perform, and then identi fy how diff erent regulati ons aff ect that vendor and its acti viti es.

Tip #2 – Standardize vendor management processesOnce you understand the specifi c impact that diff erent regulati ons have on each vendor, create a formalized process for risk assessment, vendor training and risk management. Assign oversight of each vendor relati onship and each contract to a

specifi c management offi cial within your bank. Ensure that your initi al considerati on of vendors, due diligence processes, ongoing vendor risk assessments and contract compliance reviews follow a consistent structure, schedule and format so nothing falls through the cracks.

Tip #3 – Apply reasonable judgment to diff erent vendorsFactors that infl uence a vendor’s risk profi le include the degree of impact to bank operati ons (is the vendor “mission criti cal” or easily replaced?) and proximity to sensiti ve data. With a holisti c, consistent approach to vendor management, your bank will understand which vendors and acti viti es need the most oversight and enforcement. Thoroughly evaluate vendor capabiliti es and performance throughout the relati onship. Initi al and ongoing due diligence are key to ensuring proper oversight.

Vendor compliance will become more complex as banks rely more heavily on third-party service providers. Having the processes and tools in place so you can easily assess and miti gate vendor compliance risks will be criti cal!

Lori Peterson, CRCM is director of regulatory infrastructure at Conti nuity (www.conti nuity.net), a CBA Endorsed Member Company. She can be reached at 866-631-5556 or lpeterson@conti nuity.net.

Vendor Management Compliance:

3 Tips to GetAhead of the Curve

Lori PetersonDirector of Regulatory

Infrastructure

Conti nuity, A CBA Endorsed Member Company

MAKE PLANS NOW TO ATTEND A BANKER

REGULATORY FORUM!

THURSDAY, AUGUST 6, 2015IDLE HOUR COUNTRY CLUB MACON

THURSDAY, NOVEMBER 5, 2015JHTC, CBA HEADQUARTERS ATLATNTA

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Fraudulent Funds Transfer—What You Need to Know

Q&A with Tracey Santor, CPCU, AFSB, AIC, bond product manager, fi nancial insti tuti ons, Travelers Bond & Specialty Insurance

Q: What do you see as one of the biggest risks facing Community Banks right now?A: On-line criminals fraudulently instructi ng fi nancial insti tuti ons to send money to their accounts is a big concern. The act of wiring money from a bank account or line of credit to pay bills is easy and convenient, so more people are doing it. In fact, the primary clearing house for large banking transacti ons, Clearing House Interbank Payments System, or “CHIPS” reports that it moves approximately $1.5 trillion per day on its wireless network. The majority of these transacti ons take place without a problem but criminals have focused on hacking this method of transferring money to line their own pockets. With this in mind, funds transfer fraud and computer fraud are threats that every organizati on must consider.

Q: What are fraudulent funds transfers?A: When someone poses as a customer to take control of an account or line of credit to engage in unauthorized transacti ons.

Q: Can you provide an example?A: Your insti tuti on’s website receives what appears to be legiti mate input from a business customer linking its payment account to an outside account at another insti tuti on. The username and password are valid and your other security procedures have been sati sfi ed. Through your website, your insti tuti on then receives instructi ons to transfer funds from the customer’s account to that outside account. Your insti tuti on complies. One week later, you are contacted by law enforcement and told that your customer was the victi m of a scheme perpetrated by cyber-criminals; and fi elding calls from the customer questi oning your safeguards.

Q: Where does this leave my bank?A: Your insti tuti on’s security has not been directly att acked, but your customer’s security was somehow lacking the ability to prevent an intrusion. Now, you’re facing potenti al legal, regulatory, and maybe even reputati onal issues.

Q: What practi ces can my bank insti tute to help fi ght security breaches?A: For instances like the one menti oned above, customer and employee educati on are key. Educate customers and employees on procedures that enable consistent oversight of payments and

accounts, and may reduce fraud risk. These include: SSC/Payment Factory setups, Dual Custody practi ces, and ACH Positi ve Pay. Also, consider verifi cati on procedures that are independent and spread through the diff erent departments of the fi nancial insti tuti on and encourage your customers to do the same. Financial insti tuti ons should have discussions with their customers about purchasing commercial crime coverage which would protect the customer under the Fraudulent Funds Transfer insuring agreement. Finally, insti tute Multi -Factor / Multi -Channel Payment Authenti cati on whereby the bank practi ces using: • Callbacks: prior verifi cati on of payment instructi ons to a predetermined telephone number • Passwords & SMS ID Codes • Out of band verifi cati on • Other industry-accepted verifi cati on procedures

Additi onally, banks should speak with an independent agent, who can recommend the right insurance soluti ons to help protect against such risks.

Q: What about the cost to my organizati on?A: Cost concerns are important, but the cost to your business should this happen can be further reaching and include long-term damage to your reputati on. Some security procedures may have a cost associated with them but things like employee and customer educati on are practi cally free and can save fi nancial insti tuti ons and/or their customers from being victi ms.

Q: Where can I learn more?A: In additi on to insurance coverage that can help off set the impact of computer fraud risks, Travelers off ers numerous educati onal resources, such as insightf ul loss-control arti cles and ti ps. Visit www.travlers.com to learn more.

Fraudulent Funds Transfer:

What YouNeed to Know

Tracey SantorCPCU, AFSB, AIC, bond product manager

Travelers, A CBA Endorsed Member Company


Think about the people in your organizati on that do the most to drive shareholder value. Now think about the consequences of one or more of those people walking out the door, or even worse going down the street to compete against you. What would that cost the bank in revenue and replacement costs? It can be a painful situati on. Not only do banks compete with each other for these top performers, they compete with other industries as enhanced regulati on has added to an already full plate for bank executi ves and directors.

What can you do to prevent your best people from leaving? The answer usually entails a combinati on of monetary and non-monetary approaches. One monetary soluti on that banks employ is the use of Non-Qualifi ed Deferred Compensati on (NQDC). NQDC simply refers to a contractual promise to pay compensati on at a future date. Agreeing to pay the compensati on at a future date allows the bank to apply vesti ng conti ngencies that serve as a deterrent to the employee leaving, or what is commonly referred to as "golden handcuff s".

While many ti mes NQDC is in the form of a Supplemental Executi ve Reti rement Plan (SERP), accumulati on and payout periods can be shorter term and used strategically to fi t specifi c needs. In fact the bank has a great amount of fl exibility to customize individual

contracts and choose who to include in the program, outside of ERISA testi ng and regulati on.

While NQDC is a great retenti on mechanism, it can also serve several additi onal purposes:

• It further aligns employee and shareholder interests because of the long term nature of the plans and the ability to ti e plan contributi ons to employee and bank performance

• Recruiti ng and succession planning tool• Alternati ve to equity as part of a balanced compensati on

approach• Change in control protecti on for the parti cipant• Tax deferral for the parti cipant

Our experience shows us that high performing banks typically have higher compensati on expenses relati ve to their peers. They pay their people well but they pay them with creati ve and well thought out strategies. This doesn’t mean that NQDC has to be a costly endeavor. NQDC can many ti mes be revenue neutral through the use of Bank Owned Life Insurance (BOLI). BOLI accrues tax preferred earnings and has historically outperformed other bank eligible securiti es by 100 to 300 bps. The regulators allow the use of these policies to informally fund the liabiliti es that are created by NQDC. In additi on, the policies provide death benefi t protecti on for the employee as well as the bank, which helps recover the cost of a key employee passing away unexpectedly.

Benefi t Strategies To Retain Your Key Employees

Brian MillerManaging Principal

Banc Consulti ng Partners, A CBA Endorsed Member Company

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ACG | Refurbished ATMs/Currency Counti ngPhil Winn | [email protected] | (770) 442-9800

ATM Response | ATM Service & Cash Logisti csJames Pack | [email protected] | (770) 744-1795

Bahr Consultants, Inc.| Insurance ReviewHank Bahr |[email protected] | (865) 694-6098

Banc Consulti ng Partners | Executi ve Benefi ts/WBrian Miller | [email protected] | (770) 485-8559

BankersEdge | Online /DVD Training ProgramNora Ebersbach | [email protected] | (314) 542-6493

BankSmart | Bank Operati ons/Vendor ManagementJim Wilkson | [email protected] | (813) 774-8000

Bank Trends | Peer AnalysisMichael Sti nson| [email protected]| (877) 717-6743

BASYS Processing | Merchant Services ProcessingBrady Hanna | [email protected] | (913) 660-6777

CBIZ Benefi ts & Insurance Services, Inc.| Employee Benefi ts & Business InsuranceTodd Gordon| [email protected] |(770)-858-4801

Computer Services, Inc. | Secure-Connect for Directors/EmployeesJohn Grimes| [email protected] | (888) 494-8449 ext. 17223

Conti nuity Control | Compliance Management SystemMarnie Keller | mkeller@conti nuity.net | (866) 631-5556 ext. 309

Crescent Mortgage | Secondary Market Mortgage ServicesAshli Matson | [email protected] | (770) 714-5417

Dell SecureWorks| Managed Internet Security ProgramJamie Kirkland | [email protected] | (404) 486-4481

The Eversole Group, LLC | Marketi ng ProgramCraig Eversole | [email protected] | (601) 977-5225

Executi ve Insurance Agency, Inc. | VSI ProgramRandy Sower | info@executi veinsuranceagency.com | (770) 474-2355

First Data | Internet Banking & Mobile BankingRodrigo Cazares | rodrigo.cazares@fi rstdata.com | (512) 627-5343

Each of the Endorsed Member Companies below has earned the seal of approval from the CBA Member Services Committ ee and CBA's Board of Directors. Most off er special pricing to CBA members. Explore the revenue-enhancement opportuniti es with these vendors and improve your bott om line!

MEET CBA'S ENDORSED MEMBER COMPANIES!Enhance your revenue. Improve your bottom line.

Give us a call at (770) 541-4490 or (800) 648-8215 or visit CBA online at www.cbaofga.com.

FIS | Free ATM Network | Credit/Debit Card ProgramJamie Moreland | jamiemoreland@fi sglobal.com | (888) 323-0310

Harland Clarke | Check ProgramRyan Busenitz | [email protected] | (787) 923-3402

ICBA Securiti es | Investment ServicesJim Reber | jreber@icbasecuriti es.com | (901) 762-5884

Investment Professionals, Inc. (IPI) | In-Bank Retail Investment ServicesSteven Ransdell| [email protected]| (501) 410-4445

PULSE | Debit Network ProgramMark Reda|[email protected] | (813) 854-2210

Sageworks | Cash Flow AnalysisBilly Burnet| [email protected] (919) 851-7474 ext. 619

SHAZAM | Debit Card/EFT ProcessingMark Fucci | [email protected] | (866) 644-9314

SNL Financial | Financial DataJulie Jones| [email protected] | (434) 951-4419

Southwest Financial Services, Ltd. | Flood Determinati on Insurance Program & Residenti al Appraisal ManagementStephanie Bennett | stephanie.bennett @sfsltd.com | (513) 621-6699

Staples | Offi ce Supply ProgramJanet Clark | [email protected] | (404) 664-4543

Travelers | Insurance/D & O/ Bond ProgramDiana Baker | [email protected] | (678) 317-7882

Triad Financial Services, Inc. | Consumer Loan ProgramKeith Stayer | [email protected] | (800) 522-2013

UPS | Overnight Delivery ProgramMonica Sterk | [email protected] | (800) 531-7917

William Mills Agency | Public Relati ons & Marketi ngWilliam Mills | [email protected]/(678) 781-7200

Promontory Interfi nancial Network, LLC Bank Assetpoint/Insured Cash Sweep (ICS) Danny Capitel|[email protected] | (770) 630-6796*Cooperati ve Marketi ng Alliance