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Member:

• ExecutiveChangesattheAssociation• HighlightsoftheLeadershipDivision

Convention&Mini-TradeShow• AnnualMeeting&TradeShowPreview• FallSchools,ClassesandConferences

Inside

CBA i s . . . Pass ion . Purpose . Power.

Don't Miss the CBA's 45th Annual Meeting & Trade Show

Wednesday - Sunday, September 11 - 15, 2013 | Sandestin Golf & Beach Resort, Destin, FL

StokeS LazaruS & CarmiChaeL LLPattorneyS at Law

Our firm has provided legal services for the banking community in the areas of credit and collections litigation, fraudulent transfer litigation, bankruptcy representation, and bank loan workouts since our inception in 1972.

We pride ourselves on “Real World Legal Solutions®.” We welcome the opportunity to discuss how we can help you optimize recoveries.

Stokes Lazarus & Carmichael LLP80 Peachtree Park Drive, NE

Atlanta, Georgia 30309Tel. 404-352-1465

The Power of Legal Knowledge®Visit us online at www.slclaw.com

Summer 2013 | Georgia Communit ies F i rst | 1

Rob Braswell President & [email protected] Carolyn Brown President & CEO, [email protected]

Steve Bridges Executive Director of Legislative & Regulatory [email protected]

Shera BanksMarketing [email protected]

Donna Coutant Education & Special Events [email protected]

Teresa DayReceptionist /Administrative Assistant [email protected]

Lindsay GreeneVice President Marketing & Member Services [email protected]

Ally Hellenga Marketing [email protected]

Amanda Lee Education [email protected]

Tammy MaassCFO [email protected]

Jodi SwilleyVice President Education & Professional Development [email protected]

Charlie WattsLobbyist

Nick WilbornOperations Assistant [email protected]

Peake Wilson Vice President [email protected]

GEORGIACommunitiesFIRST F E A T U R E S

SUMMER 2013

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

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

StokeS LazaruS & CarmiChaeL LLPattorneyS at Law

Our firm has provided legal services for the banking community in the areas of credit and collections litigation, fraudulent transfer litigation, bankruptcy representation, and bank loan workouts since our inception in 1972.

We pride ourselves on “Real World Legal Solutions®.” We welcome the opportunity to discuss how we can help you optimize recoveries.

Stokes Lazarus & Carmichael LLP80 Peachtree Park Drive, NE

Atlanta, Georgia 30309Tel. 404-352-1465

The Power of Legal Knowledge®Visit us online at www.slclaw.com

page 3 | Carolyn Brown Retiring; Welcome Rob

Braswell

page 8-9 | Annual Meeting & Trade Show Preview

page 14-15 | Meet the Winners of the 2013 Hester and Walraven Scholarships

CBA STAFF

Scan with your smartphone to view our website.

S T A y C O n n E C T E d

I n S I d E

Cover photo: Sandestin Golf & Beach Resort, Destin, FL; site of the 2013 Annual Meeting & Trade Show

page 4-5 | Highlights of the Leadership Division

Convention

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Welcome Aboard 2013-2014 Leadership Division Board of Directors and CBA Leadership Division Raises $30,000 for Children's Healthcare

CarolynBrownRetiring;WelcomeRobBraswell

Highlights from the 35th Annual Leadership Division Convention

2013 PAC/PR Golf Tournaments Raise Funds for the CBA's PAC/PR Funds

Gearing Up for the 45th Annual Meeting & Trade Show

Winners of the 2013 Hester Scholarships

2013 Winner of the Walraven Scholarship

Previewing the 4th Annual Georgia Bank Directors' College & FDIC Workshop

In Order to Win, You Must First Compete. Let's Talk Marketing

Outside the Box and Discover Debit: A Better Choice in Signature Debit

When BOLI Holdings Exceed Regulatory Guidelines

2 | www.cbaofga.com | Summer 2013

F I n E R P O I n T S

B y 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

Member:

Seeking Regulatory Possibility

“The rule is, jam tomorrow and jam yesterday—but never jam today.” ―Lewis Carroll, “Alice’s Adventure in Wonderland”

Did you hear about the Maryland community bankaccused recently of discriminating against whitemales?Thebankwasgivenafairlendingviolationforcreating a loan program designed to helpminoritiesandwomenobtainmoreaffordablecredit.

I’m not kidding. The absurdity of the bank’s "Alicein Wonderland" predicament might tempt a fewchuckles—exceptitillustratesadeadlyseriousproblemassociatedwithexcessiveregulatoryburden.

ICBA has always championed common-senseregulation for community banks. Regulations mustbe fair, balanced and relevant to a bank’s scale andreal-worldrisksandactivities—buttheymustalsobepossibletoachieve.Citingcomplianceachievabilityasa standardmight soundflippant,but I’mserious. It’svitallyimportant,andbecomingincreasinglyso.

The direction of today’s fair lending enforcement inpursuitofa“disparateimpact”legaltheoryrepresentsthemosttroublingcaseinpoint.

Several years ago the Department of Housing andUrbanDevelopmentbeganusingdisparate impact, alegal premise not yet affirmed by the court system.By examining statistical patterns in lenders’ loanportfolios, disparate impact attempts to determinewhether lenders might be discriminating againstborrowers. Under this controversial approach, HUDhas given itself extra leeway to initiate damagingfair-lending investigations, even against lenders withcreditpracticesthatarespecificallydevelopednottodiscriminateagainstanyone.

In short, HUD is looking for problems to fix thatdon’t exist, and that’s dangerous. The potential formischiefandharm is toogreat. ICBAhasspokenoutagainstdisparateimpactandhasmetwithtopJusticeDepartmentofficialsandotherpolicymakersaboutourconcerns.

ICBAandeverycommunitybankerstronglysupporttheprinciplesof fair lending.No communitybankwantsto turnawayanyworthyandviable loan, toanyone.Butcommunitybanksmustoperateintherealworld.When regulatory rules, directives or actions createconfusion or conflicts, and when mandates becomeimpractical or impossible to implement, regulatoryburden becomes paralyzing. And that’s extremelydestructive.

So when the Consumer Financial Protection Bureauissued new “qualified mortgage” lending standardsearlier this year and then recently endorsed theuseof disparate impact, this regulatory paradox becameapressingmatter.Currently,a lender thatdecides toissueonlyqualifiedmortgagestoavoidnewlegalandlitigationriskscreatedbytheCFPBrulescouldtriggerafairlendingviolation.Conversely,workingtoavoidafairlending violation by issuing non-qualified mortgagescould expose a bank to unacceptable reputationaldamageandlenderliability.

Without formalclarificationandassurances fromtheCFPBandHUD,communitybanksandothermortgagelenders face a serious, no-win regulatory doublebind. So last month ICBA joined several other tradegroupstoaskHUDandtheCFPBtoprovideguidanceto resolve the conflict and uncertainty. Otherwisemortgage lending could fast become an unworkablemess throughout the country, for both lenders andborrowers.

As the industry’s champion of proportionally tieredregulation for community banks, ICBA believesregulations should be clear and balanced, but alsopossibletoachieve.Yes,thisisobviouslycommonsense(asrareashen’steethinWashingtonthesedays).Buteradicating thisnewandevenmoredangerous formofregulatoryburdenisnotonlynecessaryforalreadyoverburdened community banks; it’s imperative tomaintainthefullandproperfunctioningofMainStreetAmerica’seconomy.Nothinglessisacceptable.


Carolyn Brown Retiring from the CBA Rob Braswell Named President & CEO

Thisspring,DanOliver,President&CEO,ViningsBank,Smyrna,and2012-2013ChairmanoftheBoardoftheCommunityBankersAssociationofGeorgia(CBA),announcedtheretirementof Carolyn Brown,President&CEO,after25yearswiththeAssociation.Robert M. Braswell,CEM,formerCommissioneroftheGeorgia

DepartmentofBanking&Finance,hasbeennamedPresident&CEO,joiningtheAssociationonJune10,2013.

According to Mr. Oliver, Ms. Brown led the CBA to expand educational offerings,networkingopportunities,endorsenewproductsandservicesformemberbanksandworkeddiligentlytoensureGeorgia'scommunitybanksandassociatemembersreceivedaccurateinformationinatimelyfashion.

“We are grateful for the strong leadership Carolyn has provided and thank her forherwillingness to facilitatea smooth transition. She leaveswithutmost respectandsincereappreciationfrombothbankersandfinancialservicesprovidersfromacrossthecountry,”Mr.Olivercommented.

"After25yearsattheCBA,Ibelievethisisagoodtimetocreateanopportunityfornewleadership for theAssociation,"Ms.Brownsaid."Whilesomanychangeshavetaken

placeinthecommunitybankingindustryoverthepast25years,theonethingthathasn’tchangedisGeorgiacommunitybanks’commitmenttotheircustomersandtheircommunity.IthastrulybeenanhonortoworkwithsuchafinegroupofindividualsandI’mleavingtheAssociationingoodhandswithastrongBoardofDirectorsandaleaderlikeRob."

Ms.BrownwasnamedPresidentandCEOoftheCBAinJune2009.Ms.BrownjoinedCBAinMay1988andhasservedinvariouscapacities.Ms.BrownservedasExecutiveVicePresidentandChiefOperatingOfficer,whereshemanagedday-to-dayoperationsoftheAssociationandallstaffoperations.BeforejoiningCBA,Ms.BrownheldacareerinbankingandworkedatthestateCapitolinAtlantaforfiveyears.SheholdsabusinessdegreefromForrestBusinessCollegeinAnderson,SouthCarolina.Ms.BrowngraduatedCumLaudefromGeorgiaStateUniversity inAtlanta,whereshe receivedabachelor’sdegree inBusinessAdministration. Shewill retireonAugust31,2013.

Mr.Oliver shared theCBAExecutiveCommitteeconductedanaggressive search forseveralmonthstoreplaceMs.Brown.Mr.BraswellretiredfromtheGeorgiaDepartmentofBanking&FinanceasofJune1,2013.

Rob served as Commissioner of the Georgia Department of Banking and FinancesinceDecember2005.PriortoservingasCommissioner,Mr.BraswellwastheDeputyCommissionerforMortgageforapproximatelytwoyears.Hespenthisentireprofessionalcareerwith theDepartment.Mr. Braswell previously served as district director andsupervisory examiner for the District 1-Northwest region and held several financialexaminerpositions.Hereceivedhisbachelor’sdegreeinbusinessadministration,withaconcentrationinfinance,fromGeorgiaSouthernUniversity.

Carolyn Brown

Rob Braswell


35th Annual Leadership Division Convention & Mini-Trade Show - Driving Success!Bankers and community bankprovidersenjoyedtherideof theirlivesat the35thAnnual LeadershipDivision Convention & Mini-TradeShow, held June 20 – 24, 2013 attheOmni Amelia Island PlantationResort.OnFridaymorning,bankersmarked the official start of theconvention with the WelcomeAddress from Steven Rigdon, VicePresident, Pineland State Bank,Metter, 2012-2013 LeadershipDivision Chairman; Dan Oliver,President/CEO, Vinings Bank,Smyrna,2012-2013CBAChairman;and, presentations from Eric Collinsworth, President, AppraisalAdvisoryAssociates,LLC,Arrington,TN and Michael Paslawskyj,Regional Economist, Division ofInsurance and Research, FDIC.Attendees enjoyed the popularMini-Trade Show which featured30 of the top financial services

What is the CBA Leadership Division?The Leadership Division was created in 1980 to educate and inform future bank leaders on the current issues in the banking industry and to prepare them for further leader-ship roles in their institutions. One of the main principles of the division is to promote economic education by teaching students about banking, saving, spending, interest, credit and other related issues. Each year, the division also con-ducts fundraisers that benefit Children’s Healthcare and the CBA PAC/PR Funds.

providers in the country. OnFridayafternoon,theJulianHesterMemorial Golf Tournament washeld.

Attendees heard from a numberof excellent speakers on Saturdayincluding Stuart Walker, Partner,MartinSnow,Macon,and Steve Gilliland,Mocksville,NC,best-selling author andkeynote speaker fortheconvention,whopresented “Enjoy the Ride.”

The action-packed conventionincluded a discussion on Saturdayfromatechnologypanelofspeakersincluding Chris Cochran, VicePresident/CommercialLoanOfficer,AffinityBank,Atlanta;Frank Griffin,EVP, Senior Lending Officer, FlintCommunity Bank, Albany;Virginia

Heyburn, Vice President, StrategicMarketing, Fiserv, Brookfield, WI;Bret Skousen,EVP,FirstData,Provo,UT; Sean Payant, Ph.D., SeniorExecutiveVicePresident,HaberfeldAssociates, Lincoln, NE; and,Chris Cole, Senior Vice President/SeniorRegulatoryCounsel,ICBA,D.C.The2013-2014 Leadership DivisionBoard of Directors was elected,and awards were presented toDivision3 for2013Divisionof theYear;and,Corey Gibbs,President&CEO,CommunityBankingCompanyof Fitzgerald, was named 2013LeadershipDivisionRepresentativeoftheYear.

Since the June 2012 convention,the Leadership Division raised$30,000 for Children’s Healthcare,almost $7,000 for the CBA PAC/PR Funds and educated nearly15,000 throughoutGeorgiaon theimportanceofcommunitybanking.

Steve Gilliland

ACG, Inc.ATM Response

Banc-serv PARTNERS, LLC

BankSmartBankers Healthcare

Group, Inc.CFS, Inc.

CRS DataCSRA Business Lending

Clarity Appraisal Management

Consolidated Banking Services, Inc. (CBSi)Cummins-Allison

CorporationDeNyse CompaniesDell SecureWorks

Ellie Mae, Inc. Executive Insurance

Agency, Inc.

Federal Reserve BankFirst DataGACHA

Harland ClarkeHigh Cotton

MarquisMortgage Services III, LLC

PULSEPrater & York, LLC

REPAYRenasant Mortgage

SHAZAMTotal System Services, Inc

(TSYS)Travelers

Triad Financial Services, Inc.

...and to the Exhibitors!

PLATinuM ELiTE

FiservPLATinuM

Harland Clarke | iCBA Federal Home Loan Bank of Atlanta

SiLvERTravelers | Jones Walker

BRonzEPuLSE

inDiviDuAL EvEnT SPonSoRSMeyer Chatfield Compensation Advisors -

Board Appreciation Reception

James-Bates-Brannan-Groover LLP - Board Appreciation Dinner

Stokes, Lazurus & Carmichael, LLP - Hotel Key Cards

Total System Services, inc. (TSYS) - Chairman's Reception & Golf Hole Sponsor

Denyse Companies - Convention Signage

iCBA - Convention Totes

BankSmart - Registration Packet, Saturday Break

First Data - Friday & Saturday Cash Prizes

ServisFirst Bank - In-Room Gifts

EverFi - Saturday Speaker - Steve Gilliland

SHAzAM - General Session and Annual Business Meeting

Womble Carlyle Sandridge & Rice - Golf Tournament Boxed Lunches

CRS Data - Friday Speaker - Eric Collinsworth

Data Center, inc. (DCi)- Saturday Promotional Items

LaGrange Banking Company - General Sponsor

Thank Youto our Sponsors...


Div.1Chair: Jim Cowart–DurdenBankingCompany,TwinCity ViceChair: Cliff Wildes–HeritageBankoftheSouth,Statesboro

Div.2Chair: Chip Davis–FamilyBank,BainbridgeViceChair: Jason Rooks–FlintCommunityBank,Albany

Div.3Chair: Corey Gibbs–CommunityBankingCompanyofFitzgeraldViceChair: Debra Weil–PlantersFIRST,Fitzgerald

Div.4Chair: Marlene Rhodes–HeritageBankoftheSouth,LaGrangeViceChair: Greg Proffitt–NewtonFederalBank,Covington

Div.5Chair: Katherine Kay–GeorgiaCommerceBank,AtlantaViceChair: Trae Dorough–TouchmarkBank,Alpharetta

Div.6Chair: Powell Griffith–Farmers&MerchantsBank,EatontonViceChair: Chuck Harwell–CommunityBankofDublin–LaurensCounty

Div.7Chair: Clark Hungerford –ViningsBank,SmyrnaViceChair: Chad Thomason –MetroBank,Kennesaw

Div.8Chair: Adam Smith–FirstNationalBankofCoffeeCounty,DouglasViceChair: Pam Horton –GuardianBank,Valdosta

Div.9Chair: Mike Underwood–FirstCitizensBankofGeorgia,DawsonvilleViceChair: Robbie Stephens–NorthsideBank,Adairsville

Div.10Chair: Shannon Fortson–PinnacleBank,ElbertonViceChair: Andy Thomas –TheCommercialBank,Crawford

Chairman: Rhodes McLanahan – FirstAmericanBank&TrustCompany,Athens;Chairman-Elect:Rusty Powell –HighlandCommercial Bank, Marietta; 1st ViceChairman:Kyle Ray–FirstBankofDalton;2nd Vice Chairwoman: Terri Bunten Guthrie–FirstLandmarkBank,Marietta;PastChairman:Steven Rigdon–PinelandStateBank,Metter

Members at Large: Clell Deaver – Atlantic Capital Bank,Atlanta; Richy Everly – State Bank ofCochran; Dave Fain – Commercial StateBank, Donalsonville; Heath Fountain– HeritageBank of the South, Albany;Jane Lawson – First Peoples Bank, PineMountain;Kevin Massey–BankofTerrell,Dawson;Kay Stevenson–FirstStateBank,Wrens; Jamie Tallent–UnitedCommunityBank, Ellijay; Pam Wheeler – SunMarkCommunity Bank, Hawkinsville; Peake Wilson–CBAofGA,Atlanta

CBA Leadership Division Raises $30,000 For Children's Healthcare

Georgia’s community bankers continue to dowhat they do best – give back to their communities. JaneLawson, COO/Vice President, First Peoples Bank, Pine Mountain, and 2012-2013 Children’s Healthcare

Fundraising Chair, announces CBA’s Leadership Divisionreached the annual Children’s Healthcare Fundraisinggoalbycollectinganetof$30,000.ThefundswillbenefittheChildren’sStrong4Lifeprogram,aprogramtoimprovechild wellness and reduce childhood obesity. The CBALeadership Division began raising funds for Children’sHealthcare in 1989 and community bankers in Georgiahaveraisedatotalofnearly$375,000.

“We are thrilled with the amount of money collectedthis year as well as the enthusiasm of our bankersfor this cause,” said Rob Braswell, President & ChiefExecutive Officer, Community Bankers Association ofGeorgia.“Children’sHealthcareprovidessomuchforthecommunitiesinGeorgia,andweareproudtohavegivenfinancialassistance.ThisneedreallyresonateswithourLeadership Division, many who have small children oftheirownandappreciate theeasyaccess to thisworld-classchildren’shealthcarefacility.”

Pictured from left are: Jane Lawson, COO/Vice President, First Peoples Bank, Pine Mountain, and 2012-2013 Children’s Healthcare Fundraising Chair, presenting a check for $30,000 to Lucy Klausner, Senior Development Officer, Children’s Healthcare Foundation, Atlanta.

CBA Leadership Division Elects 2013-2014 Board of Directors

Congratulationstothenewly-electedBoardofDirectors:


HIGHLIGHTS:

412-13-15371-AD_7.5x10_v01mk_OL.indd 1 2/19/13 2:07 PM

45thM E E T I N G &TRADE SHOW

ANNUAL

Wednesday - Sunday, September 11 -15, 2013Sandestin Golf & Beach Resort, Destin, Florida

Calling all bank CEOs, Presidents, CFOs, COOs, Senior Management and, Bank Directors - the 45th

Annual Meeting & Trade Show is less than two months away! This event features dynamic speakers, a display of the latest products and services at the trade show, and the opportunity to leave armed with valuable information, strengthened relationships, and a game plan for success - all at the Sandestin Golf & Beach Resort in Sandestin, Florida!

Let’s Get Banking and America Going Again

William Isaac GlobalHeadofFinancial

InstitutionsFTIConsulting

Managing Investments in Today’s Regulatory

Landscape Jim Reber

President&CEOICBASecurities

Innovate to Survive, Grow and Win in a Financial

Services World Virginia Heyburn

VicePresidentofStrategicMarketingFiserv

ICBA Update Jeffrey Gerhart ImmediatePast-

Chairman,IndependentCommunityBankersof

America(ICBA)

Learn from industry experts including:

Thanks to Our Exhibitors*ACG | BankSmart | BranchServ | CashTrans | Computer Services, Inc. | Consultants & Builders

CRSA Business Lending | Data Center, Inc. (DCI) | DeNyse Companies | Fiserv | High Cotton Independent Community Bankers of America | ICBA Securities | Meyer Chatfield Compensation Advisors

Mortage Services III | Sageworks | Saltmarsh, Cleaveland & Gund | SHAZAM | Stokes Lazarus & Carmichael LLP Travelers | UMS Banking | Warren Averett, LLC | QwickRate

John Henrie

DeputyRegionalDirectorFDIC

*As of print date.

Oscar Harvey

AssociateDeputyOCC

Hotel Reservation Information:Tomake hotel reservations atSandestinGolf&BeachResort,pleasecallthereservationlineat(800)277-0800andmentiontheCBAofGeorgiagroup.Thedeadline to receive the CBAdiscountedroomrateisFriday,August 16, 2013, or until theCBA block is full. Room typeandrateoptionsarepernightand as follows*: Studio $139;1-Bedroom $159; 2-Bedroom$229;or,3-Bedroom$279.Toreserveyourroomonline,visitwww.sandestin.com/22Y5C7.aspx. The GROUP CODE is22Y5C7. A room deposit inthe amount of one night willbe required at the time thereservation is made. Thisdeposit is fully refundable ifthe reservation is cancelledmore than seven days priorto arrival date. *Taxes andadditionalresortfeesapply.

Deadline to recieve the discounted rate is August 16, 2013!


Asinglemoment.Howyoureact.Thisishowlivesarechanged.LearnfromKen’sastonishingtruestoryofhowheaccidentallyshothimselfinthehead–andhowitopenedhismind!Hilarious, inspiringandmotivating,it’llgiveyoua(w)holenewoutlookonlife!Intimesofdramaticchange,discoverhowyoucanpositionyourselftomaximizeyouropportunities.Findoutwhatcriticalfactorsimpactyour success and identify the silver bullets thatwill help youTake Your Best Shot!

Ken Futch is president of Ken Futch and Associates,an Atlanta-based training company that teachesorganizations and individuals how to recognize andcapitalizeonopportunities.Beforefoundinghiscompanyin1986,KenwasinsalesandmanagementwithAT&T,wherehewasrecognizedfor achieving the best results in a group of 6,000salespeople.Ken'ssuccess ledtohisselectionasatop

traineratAT&T'sp r e s t i g i o u sNational SalesSchool and tobeing featuredin Newsweekmagazine.A native of the"TarHeel"state,Ken receivedhis Bachelor

Thanks to Our Sponsors*

MeetKeynoteSpeaker–Ken Futch, CSPTake Your Best Shot - Turning Situations into Opportunities

of Science degree in business administration fromtheUniversity ofNorthCarolina at ChapelHill.HewascommissionedasalieutenantandservedthreeyearsintheU.S.Army,includingatourinVietnamasacombatplatoonleader.Ken deliversmore than 100 high-impact programsannually and has trained over 100,000 people inseminarspresentedthroughoutNorthAmericaandEurope. He is the author of the book Take Your Best Shot,whichisfilledwithpricelessinsightsandstoriesaboutturningsituationsintoopportunities.A passionate believer in lifelong learning, Ken hascontinued his own development by earning thedesignationof certifiedspeakingprofessional fromthe National Speakers Association—a five-yeareducationalandexperientialprocess.SpousesandguestsareinvitedtoattendthissessiononSaturday.

Sponsored by

*As of print date.


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Exhibit Hall & Trade Show:TheTradeShowisthecenterofactivityduringtheCBAAnnualMeeting.Whetherit’stovisitwithtop financial service providers in the country showcasing theirlatestproductsandservices,networkwithcolleaguesorbepartofthemanyprizegiveawaysintheexhibithall,theTradeShowistheplacetobe.Exhibitors–spaceislimited,soreserveyourboothtoday.

Silent Auction: Each year,attendeesenjoyparticipating in theannualSilentAuctionandthisyear’sauctionpromisestohavesomethingforeveryone!Theselectionincludessports tickets, memorabilia, wines,restaurant packages, vacationgetaways, jewelry,noveltyandone-of-akind items. Lastyear’sWallofWinewassopopular,we’veaddedanewelement-“FlingtheRing”WineBottleRingToss–bottlesofwinevaluedat$20or more are donated and convention attendees can purchasechances towinabottleofwine ina ring toss.Youneverknowwhatrarevintageyouwillwin!ProceedsfromtheauctiongotoCBA’s PAC/PR Fund, theonly state fundworking exclusively forcommunity banks. Please show your support by donating andparticipatinginthisgreatcause.

Golf Tournament: On Friday, September 13th, enjoy friendlycompetition at The Links Course at Sandestin, designed by

renowned architect Tom Jackson. With five holesthatrunalongthebay,guestsaretreatedtoalinks-stylegolfoutinglikenootherontheEmeraldCoast.Sandestinisagolf-lover’sdreamcometrue.Registertodayfortheperfectblendofchallengeandfun.

Makeplanstodaytoattend!Visitwww.cbaofga.comtoregisterorcall(770)541-4490/(800)648-8215.

Wednesday,September11thAfternoonAnnualMeetingRegistrationCBABoardofDirectorsMeetingDinneratYourLeisure

Thursday,September12thAfternoonAnnualMeetingRegistrationExhibitorSet-Up EveningWelcomeReception&Dine-Around/Exhibits&SilentAuction(ResortCasual/RegisteredSpousesandChildrenInvited)

Friday,September13thMorning ContinentalBreakfastwith

Exhibitors/SilentAuctionOpeningGeneralSessionSpouses’ProgramAfternoonGolfTournamentEvening Free

Saturday,September14thMorningBreakfastwiththeExhibitors/SilentAuctionGeneralSession/KeynoteSpeakerAfternoon Free EveningChairman’sReceptionChairman’sBanquet/Awards

(CocktailAttire/AdultsOnly)Sunday,September15thDepartures

A n n u a l M e e t i n g - Te n t a t i v e A g e n d a

D o n ' t M i s s O u t !

Support the CBA's PAC/PR Fund by Donating to the CBA's Silent Auction!PleasecontacttheCBAtomakeyourdonationorvisitwww.cbaofga.com.


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CBA's 4th Annual Spring Regional Luncheon Meetings a SuccessDuring April, over 300 community bankers andrepresentatives from the Community BankersAssociation of Georgia (CBA) associate membercompanies gathered around the state in Macon,Statesboro,Athens,AlbanyandCartersvilleforthe4th

AnnualSpringRegionalLuncheonMeetingstodiscussbanker hot topics, network with one another andhear industry experts discuss the economy and theregulatoryandlegislativeenvironment.

TheCBAwouldliketothankeveryonewhoattendedtheseannualmeetings.SpecialthankstoourspeakersfortheirinformativepresentationsandtooursponsorJames-Bates-Brannan-Groover,LLP,Macon.

The CBA representatives and Georgia community bankers visited the nation’s capital to engage policymakers on the top issues facing the community banking industry. Carolyn Brown, President & CEO, Emeritus, Community Bankers Association of Georgia (CBA), Steve Bridges, Executive Director of Legislative and Regulatory Affairs, CBA, and a group of Georgia community bankers attended the Independent Community Bankers of America’s (ICBA) Washington Policy Summit April 22 – 25, 2013, joining well over 1,000 community bankers from around the country.

Community Bankers Attend ICBA Washington Policy Summit

From left to right, Carolyn Brown, Dan Oliver, Kevin O'Keefe, H.D. Jacobs, Tim Veal, Dan Brannan, and Steve Bridges.


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8/22 RecognizingRedFlagsin BoardReports

8/27 Tax&Accounting StrategiesforHealthCare Reform

8/29 FFIECGuidanceonITSecurity Awareness:Employee, Customer&Community Programs

SEPTEMBER 20139/4 ProtectingtheSBA GuaranteeStarttoFinish

9/5 CFPBExaminationProcedure forMortgageLoan Originators.Effective January10,2014

9/9 TrustOperations:Overview, Compliance&Examiner Issues

9/10 Technology“CrashCourse” forDirectors

9/12 FromProspecttoCustomer: Skills&ToolsforSuccessful BusinessDevelopment

9/17 ComplianceRulesDeposit OperationsMustKnow

9/18 LegallyHandling:TheBank's RightofSetoffonDeposit AccountsandLoans

9/19 TheFutureofBranch Banking:TheNewDefinition ofConvenience

9/24 SecurityOfficerReportsto theBoard:FulfillingYour AnnualRequirement

9/25 UnderwritingBasics: Interviewing,CreditReports, DebtRatios&RegulationB

9/26 AdvancedCommercialLoan Documentation

JULY 20137/23 DeterminingCashFlowfrom CCorporationTaxReturns& FinancialStatements

7/24 YourDepositorHasDied: ActionstoTake,Mistakesto Avoid

7/25 BusinessWritingBootCamp, IncludingSubmission& CritiqueofYourOwnWriting Sample

7/30 ComplianceRulesAllStaff MustKnow:RedFlagsforID Theft,Bribery&Privacy

7/31 AssessingE-BankingServices &DeliveryChannels: StrategicDeployment&Risk Assessment

AUGUST 20138/2 AbilitytoRepayPart2– WhatYourLendingStaff NeedstoDotoComplyby January10,2014

8/6 Mergers&Acquisitions areBack:Don’tMissYour NextOpportunity

8/7 BSAComplianceHotspots: FromRegulators,Litigation, Policies&Procedures

The CBA recognizes your schedule may not alwaysallowyoutoleaveyourofficetoparticipateinaface-

to-faceprogram.Onewaytohelpyouwiththischallengeistoparticipateinoneormoreoftheover100webinarsoffered by the CBA each year! Thewebinars cover avarietyoftopicsdesignedforthefrontlinetotheboardroom! Industry experts from across the nation withlong-term,real-life,hands-onexperienceareselectedtolead thewebinars. For thosewho cannot attend the"live”broadcast,aweb link trainingoption isavailable

to access at your convenience. The web link consistsofarecordingofthelivebroadcastalongwithspeakerhandouts.Theweblinkisavailableforsixmonthsfromthedateofthewebinarandmaybesharedwithotheremployeesatnoadditional fee.Plus,acomplimentaryCDRom is included.ContinuingProfessionalEducation(CPE)creditsareavailabletoparticipants.Tolearnmoreaboutthetopicsbeingofferedin2013andthevarioustrainingoptions,pleasevisittheCBAwebsiteorcontacttheCBAEducationDepartment.


2013 Julian & Jan Hester Memorial ScholarshipsCongratulationstothe2013winnersoftheJulian&JanHesterScholarship.Thescholarshipprogrambeganin1992andisnamedforthelateJanHester,daughterofLaliaandthelateJulianHester,long-timeCEOoftheCBA.Tobeconsidered,studentswroteashortessayonthecharacteristicsofacommunitybank,andthecontinuingbenefitstheyoffertotheirhomecommunities.Winnersreceived$1,000toattendaGeorgiacollegeoruniversityoftheirchoice.ApplicationsweresubmittedtotheAssociationthroughaCBAmembercommunitybank.With somanyqualifiedapplicants, judging theWalravenandHester scholarships is adifficultprocess. Specialthankstothisyear’spanelofjudgesDan Swain,ACG,Alpharetta;Dr. Don Sabbarese,KennesawStateUniversity;Kathy Winiarczyk,CommunityBankoftheSouth,Smyrna;Scott Soder,PayMetrixHR,Alpharetta;Katherine Kay,GeorgiaCommerceBank,Atlanta;and,Clell Deaver,AtlanticCapitalBank,Atlanta.

Morgan Todd graduatedfrom Ware County HighSchool in May 2013. Sheserved as President of theNationalBetaClub,AdvisorontheCornerstoneAdvisoryCouncil and Co-captain oftheVarsityVolleyballTeam.Miss Todd has receivednumerousawards,includingAPScholarwithDistinction,UGA Certificate of MeritRecipient and GovernorHonors Program Nomineeand Finalist. She plans toattendMercerUniversity.

McKinlie RamseygraduatedfromMorganCounty High School inMay 2013. She servedasClassTreasureroftheStudent Government,ServiceLeaderofApexSummit Youth Group,and she was the onlyStudentAdvisor of theGeorgia Governor’s

HonorsAdvisorBoardfortheschoolsystem.MissRamseyhas received numerous awards, including Unsung HeroAward,IMPACTsummercamp,GeorgiaGovernor’sHonors

ProgramattendeeandHughO’brien Youth Leadershipattendee. She plans toattendGeorgiaTech.

JebbRickettsgraduatedfromCherokeeHighSchoolinMay2013. He served as SeniorPatrol Leader of Boy Scoutsof America, Class Secretaryof the Student GovernmentAssociation, Vice PresidentofGammaServiceClubandVice Chairman of CherokeeCounty Teen Republicans.Mr. Rickets has receivednumerous awards, includingValedictorian, AP Scholarwith Distinction, GeorgiaCertificate of Merit andNational Merit ScholarshipSemi-finalist. He plans toattendEmoryUniversity.

Jerry Lin graduatedfromUnionGroveHighSchool in May 2013.HeservedasPresidentof the StudentCouncil,TeamCaptainof the Math Teamand Team Captain ofthe Academic Team.Mr. Lin has receivednumerous awards,including School APPhysicsAward,SchoolAP Calculus Award,and School HonorsChemistry Award.He plans to attendGeorgiaTech.

Morgan Todd

Jerry Lin

McKinlie Ramsey

Jebb Ricketts

Pictured (l-r) Karen Rosenberg, EVP, Head of Retail Banking, Hamilton State Bank, Hoschton, and Jerry Lin.

Pictured (l-r) Freida Jacobs, Waycross Bank & Trust Assistant Vice President and Scholarship Coordinator, with Morgan Todd.

Pictured (l-r) McKinlie Ramsey and Timothy Carter, First Vice President, Bank of Madison.

Jebb Ricketts

Sponsored by

Sponsored by

Sponsored by

Sponsored by


2013 J. Steven Walraven Memorial Scholarship

Pictured is 2013 Walraven Scholarship recipient Kalea James with Mickey Godwin, Executive Vice

President, The Bank of Georgia, Peachtree City.

Kalea James

Sponsored by

Congratulations to Kalea James, The Bank of Georgia,PeachtreeCity, therecipientof the2013J.StevenWalravenMemorialScholarship.

Ms.James,recipientofthescholarship,isaBranchManager,andhasbeenwiththebankoverfiveyears.SheisattendingBrewton-Parker College, working towards a B.B.A. inManagement.

The scholarship is named after the late J. StevenWalraven,anactiveand long-timecommunitybankerwhoexemplifiedprofessionalismandcommunityinvolvement.

Much of Steven’s life was dedicated to improving hiscommunityandcommunitybanking.Hisbankingcareerbeganin1966attheFirstNationalBankofAtlanta.In1982,StevenbecamePresidentof thePeoplesBankof BartowCounty inCartersville.

Steven continued his career in community banking as thePresidentofUnitedBankandTrust inRockmart in1999.Hecontinuedto invest incommunitybankingbyservingas theDirectorandTreasurerofCommunityBankersAssociationofGeorgia.

The Georgia Financial Institutions Directory is a complete resource of all Georgia businesses within the financial industry. All CBA of Georgia bank members and associate members receive one free copy each year. The directory contains information on banks, holding companies, savings & loans, banking products and services, and much more.

Order a copy today! The member price of the directory is $45 per directory; and, the non-member price is $75 per directory.

geoRgia FiNaNCiaL diReCtoRy™

O R D E R A C O P Y TO DAY !


2013 PAC/PR Golf Tournaments Raise Funds for the CBA's PAC/PR Funds

MACON1st Place Team

Bobby Crooms, Pineland State Bank, Metter; John

Johnson, Sperry Van Ness/ Interstate Auction, Atlanta;

Ted Fithian, ACG, Alpharetta and Steven Rigdon, Pineland

State Bank, Metter

2nd Place TeamDan Speight, State Bank &

Trust Company, Macon(also won Longest Drive) Zac Frye, Durden Banking Company, Twin City; Luke Lanier, Durden Banking

Company, Twin City; Carl Newberry, Berryfield Hotel

Group, Atlanta

Closest to the PinStephen Hartsfield,

Berryfield Hotel Group, Atlanta

ALBANY1st Place Team

Jim Chism, Bank of Camilla; Jim Pack, ATM Response; JR Llewellyn, Meyer Chatfield

Compensation Advisors (also won Closest to the Pin); Nick Schuster, Cash

Transactions; Michael McGahee, Bank of Camilla

2nd Place TeamCharles Rooks and Mike

Lewis, Family Bank, Pelham; Neal Hilliard, State Farm, Pelham; and, Clay Kolbie,

The Market, Pelham

Longest DriveDavid Sullivan, First State Bank of Randolph County,

Cuthbert

ProceedsfromthePAC/PRgolftournamentsgototheCBAPoliticalActionCommittee(PAC)andPublicRelations(PR)funds.ThefundsprovideGeorgia’scommunitybankingindustryavoiceinstatepolitics.The CBA maintains the only state PAC working exclusively for community banks.

First place team from left to right: Bobby Crooms, Pineland State Bank, Metter; John

Johnson, Sperry Van Ness/ Interstate Auction, Atlanta; Ted Fithian, ACG, Alpharetta and

Steven Rigdon, Pineland State Bank, Metter. The tournament was held at the Brickyard at

Riverside Golf Club on April 9.

The CBA is proud to present the Lifetime Service Award to community bankers who have devoted 30 or more years of service to the banking industry and who have been heavily involved in their community. The Association is extremely appreciative to these individuals who have served as a role model to the banking community.

Honorees will be recognized at the Chairman’s Banquet at the Annual Meeting. Honorees receive a commemorative plaque; are featured in the local media and in various CBA publications; and, honorees with 50 or more years of service receive a customized gold and diamond pin.

If you or someone in your bank is celebrating 30 or more years of service to the industry and their community, please let the CBA know by August 1, 2013. Email Peake Wilson at [email protected] for more information.

Lifetime Service Awards

First place team from left to right: Jim Chism, Bank of Camilla; Jim Pack, ATM Response;

JR Llewellyn, Meyer Chatfield Compensation Advisors (also won Closest to the Pin);

Nick Schuster, Cash Transactions; Michael McGahee, Bank of Camilla. The tournament was held at the Stonebridge Golf & Country

Club on April 18.


Hope to see you next year at the

36th Annual

Thursday - Sunday June 26 - 29, 2014 The Ritz-CarltonAmelia Island, FL

Leadership Division Convention

and Mini-Trade Show

SAvE THE DATE

IfyourgoalistotargettopdecisionmakersinGeorgia’scommunitybankingindustry,youwon’twanttomisssponsoringatCBA’s45thAnnualMeeting&TradeShow.Sponsorshipsshowcaseyourbusinessandareavailableinavarietyofpricepoints.Whetheryou’reinterestedinsponsoringacarvingstationatthepopularThursdaynightdine-aroundorarefreshmentbreak,thesilentauctionprogramorthegolftournament,wehavesomethingtosuityourbudgetandgoals.Sponsorshipsofferaworldofbenefitsincludingrecognitionbefore,duringandafteraCBAevent.

Ifyou’relookingforyear-roundexposure,consideroneofthemanyadvertisingpossibilitiesatCBA.AdvertisingintheGeorgia Communities First magazine,CBA Today eNewsletter,Georgia Financial Directory,orontheCBAwebsitewillkeepyournameinfrontofbankersonaregularbasis.

Formoreinformation,[email protected].

SPOTLIGHTYOURBUSINESS–CBASponsorshipandAdvertisingOpportunities


Hardly a day goes by that cyber threats are not inthe news. Lawmakers, businesses and governmentleaders,and securityexpertsaredoingall theycan

tofightcybercriminalswhoareouttoreaptradesecrets,personalinformationandmoney.

TheCBAinvitesyoutomakeplanstoattendthe8thAnnualInformationTechnology (IT) Security Conference and tocome hear industry experts from Dell SecureWorks andtheregulatoryagenciesdiscussavarietyofITSecurityhottopics.

CBA is pleased to partner with our endorsed membercompany, Dell SecureWorks, a provider of world-classinformation security services, to offer this educationalconference designed specifically for Georgia communitybankers.Registeronlineatwww.cbaofga.com.

8th Annual Information Technology (IT) Security Conference

Thursday- Friday, October 10-11, 2013The Lodge and Spa at Callaway Gardens, Pine Mountain

WHO SHOULD ATTENDInformationTechnologyOfficers,Auditors,andRiskManagerswillbenefitfromthisconference.

HOTEL ACCOMMODATIONSHotelreservationsmaybemadebycallingthehotelat(888)312-8002.TheCBAhotelroomratebeingofferedis$159.The deadline to receive this rate isMonday, September9, 2013, or until the room block is full. Complimentaryself-parking is available to guests and admissions to theGardensforovernightguests.

PRICINGCBA Members:$245forthefirstattendee;$225foreachadditionalattendeefromthesameinstitution;Nonmembers:$300foreachattendee(prepaymentrequired).

TheLodgeandSpaatCallawayGardens4500SouthernPineDrivePineMountain,GA31822

Agenda at-a-Glance

11 / 2DA

Y

THURSDAY, OCTOBER 10, 2013

8:00 a.m-8:30 a.m. Registration/Continental Breakfast

8:30 a.m-8:45 a.m. Opening Remarks 8:45 a.m-9:45 a.m. The Ever Evolving Threat Landscape We’ll show you how the threat landscape has changed in the past decade, and what malware can do to your network today that was unheard of just a few years ago. You’ll see why the regulatory agencies continue to increase their security guide lines and why just having fire walls and IDS/IPS systems are not enough.

9:45 a.m-10:45 a.m. Penetration Testing vs. Vulnerability Scans There’s a time and place for both, but when do you know which one is right for your bank and when should you conduct these tests? We’ll explain.

10:45 a.m-11:00 a.m. Break

11:00 a.m-11:40 a.m. Incident Response

11:40 a.m-12:30 p.m. What is Emerging Threat Intelligence and When Do You Need It? What you don’t know can hurt you, so why wouldn’t you want to know whether attackers are collecting private information on your bank or its executives. Real threat intelligence catered to your environment differs highly from a normal RSS threat feed. We’ll share why emerging threat intelligence is important and what to look for in a provider.

12:30 p.m.-1:30 p.m. Lunch

1:30 p.m.-2:25 p.m. What Information You Need To Be Secure Collecting log data without taking action is use- less. You can’t secure an environment if you don’t know what is going on. You’ll see what best practices are for security monitoring and what security analysts should be looking for daily in order for them to take swift action when alerts or possible incidents are spotted.

2:25 p.m-3:00 p.m. Cloud Security While you may think the cloud is pillowy soft, housing sensitive information there could be hard on you and your customers. We’ll talk about what things you should and should not store in the cloud, and how to take propercover.

3:00 p.m.-3:30 p.m. Closing Remarks

3:30 p.m. Adjourn

FRIDAY, OCTOBER 11, 2013 8:00 a.m.-Noon

Representativesfromtheregulatoryandlawenforcementagencieshavebeeninvited.And,thepopularbankerspanelisplanned.

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The Bank Secrecy Act (BSA), also known as theFinancialRecordkeepingandReportingofCurrencyandForeignTransactionsActof1970,wasenactedto help in the investigations ofmoney laundering,tax evasion and other criminal activity. The BSA issometimesreferredtoasananti-moneylaunderinglaw (AML) or jointly as BSA/AML. The legislationis enforced by the Financial Crimes EnforcementNetwork (FinCEN). Compliance with the BankSecrecyAct (BSA) continues tobea toppriorityoftheregulators,aswellascommunitybanks.

TheCBA’sAdvanced BSA Officer School isdesignedto provide community bankers with valuableinformation, tools, tips and checklists to help youensure your BSA program is designed to complywithBSA/AMLregulatoryrequirements.Don’tmissthis one-of-a-kind school! Register today at www.cbaofga.comandcontacttheKing&PrinceBeach&GolfResortat(800)342-0212forhotelreservations.

6th Annual Advanced BSA Officer School Tuesday-Friday, July 30-August 2, 2013 TheKing&PrinceGolf&BeachResort

St.SimonsIsland

2013 Commercial Lending School Monday-Friday,August12-16,2013-41/2Days

JulianHesterTrainingCenterCBAHeadquarters,Atlanta

Scenes and Graduates from the 2012 BSA Advanced Officer School.

Thiscomprehensive,week-longschoolisofferedtwiceayearand isdesignedformid-levelcommercial loanofficersorseasonedconsumerlenders.Thisschoolwilltake the student through the process of commerciallendingandallowthestudenttodevelopandenhancetheskillsnecessary tosuccessfullyadministerqualitycommercial loans in today's community bank.Numerous in-class case studies and exerciseswill beutilizedtoassistwithcomprehensionandretentionoftheseskills.ThisschoolistheonlycommerciallendingschoolinGeorgiadesignedspecificallyforcommunitybankers. To learn more and to register, please visitwww.cbaofga.comorcontacttheCBA.

Mortgage “Final Rules” Now Available via Webinars

Affordable, Professional Training, When and Where You Choose!

InAprilandMay,theCBAprovidedcommunitybankersfromacrossthestatetheopportunitytoattendtwo-day face-to-face programs in five cities to learn allabouttheCFPGMortgage“finalrules”.Forthosewhocould not attend these programs and for thosewhowould like to hear the information again, theCBA ispleasedtoprovidethewebinarslistedbelow.Tolearnmore about thesewebinars and to register, visit theCBAwebsite.AdditionalwebinarsonthistopicmaybeaddedtotheCBAcalendar.Forthemostcurrentlistingofwebinars,visitwww.cbaofga.com.

Previously Held Webinars: Available via Web Link Only

4/15/2013EscrowRuleChangesforHigh-Priced Mortgages:DeadlineJune1,2013, IncludingJanuary2014HOEPARules

6/20/2013AbilitytoRepayPart1–NewRules thatImpactYourPolicies&Products: EffectiveJanuary10,2014

Upcoming Webinars:

8/2/2013AbilitytoRepayPart2-WhatYour LendingStaffNeedstoDotoComply: EffectiveJanuary10,2014

8/14/2013 InteragencyAppraisal&Evaluation Guidelines:IncludingNewRequirements EffectiveJanuary18,2014

9/5/2013 CFPBExaminationProceduresfor MortgageLoanOriginators:Effective January10,2014


Itcontinuestobecriticallyimportantforbankdirectorsto be as knowledgeable as possible. Our industry,whilequitestrong,continuestofacechallengesandopportunities.Oneofthekeystosuccessfullymeetingthemistohavebankmanagementandthedirectorsfully informed of the issues, responsibilities, rules,andregulations.Thisannualprogramisdesignedtohelpyoustayabreastof the issuesandtohelpyoumeet the annual training requirements for bank

directors.

TheCBAishonoredto partner onceagain with Mr.Tom Dujenski,Regional Director,FDIC, Atlanta

and other FDIC senior officials to offer this annualprogram. In addition to the partnership with theFDIC, the CBA is also partneringwithMark Kanaly,PartnerandChairofBankingPracticeofthelawfirmAlston + Bird LLP, Atlanta. Mr. Kanaly will serve asthemoderatorforthecollege,aswellasapresenter.The CBA invites you to make plans now to attendthis informative program and come hear the latestabout theeconomyandother current issues facingcommunity banks. To learn more and to register,[email protected].

TomakeyourhotelreservationattheLodgeandSpaatCallawayGardens,pleasecontactthehotelat(888)312-8002.

The 4th Annual Georgia Bank Directors' College & FDIC Workshop Wednesday, August 14, 2013

TheLodge&SpaatCallawayGardens,PineMountain

7:30 a.m. Registration / Continental Breakfast

8:00 a.m. Welcome / Opening Remarks

8:15 a.m. Overview of Program MarkKanaly,PartnerandChairof BankingPractice,Alston+BirdLLP,Atlanta

8:30 a.m. “Economic Update with Highlights of GA Economy”

MarlonCook,RegionalManager,FDIC DivisionofInsuranceandResearch, Atlanta

9:15 a.m. Break

9:30 a.m. “Current Issues Facing Community Banks” RobBraswell,President&CEO, CommunityBankersAssociation ofGeorgia

MarkKanaly,PartnerandChairof BankingPractice,Alston+BirdLLP,Atlanta

10:15 a.m. Break

10:30 a.m. Bankers Point/Counter Point Panel Discussion

Moderator:MarkKanaly,PartnerandChairof

BankingPractice,Alston+Bird LLP,Atlanta

Panelists: SalInserra,Partner,CroweHorwath LLP,Atlanta, KevinO’Keefe,Principal,Investment Banking,SandlerO’Neill+Partners, Atlanta DexterR.“Butch”Floyd,Chairmanof theBoardofDirectors,KeyWorthBank, JohnsCreek

11:30 a.m. Lunch

12:45 p.m. “FDIC CAMELS Workshop Overview” TomDujenski,RegionalDirector,FDIC, Atlanta FrankGray,AssistantRegionalDirector, FDIC,Atlanta 1:15 p.m. “CAMELS Case Study”

(Facilitatedbyvariousregulators)

2:00 p.m. Break

2:15 p.m. “CAMELS Case Study Group Discussion”

3:00 p.m. Closing Remarks

3:30 p.m. Adjourn (Dinner at Your Leisure)

Agenda


• Channel Letters• Directional Signage• Exterior Wayynding• Backlit Monuments• Digital Displays• Pylon Signs• Branding package• Branding package• Logo Design

• Commercial Awnings• LED Signage• Neon Signage• Vinyl Graphics• Digital Prints• Signage• Acquisition Re-Branding• Acquisition Re-Branding

RecentCongressional focus andwell-publicizedBankSecurity Act (BSA) enforcement actions and finescontinuetosupportaclimatewhereBSAcomplianceremains of paramount importance to all financialinstitutions. Treasury continues to rely on financialinstitutionstoserveasthe“front-linegatekeepers”forlawenforcementeffortstosafeguardtheU.S.financialsystemfromtheabusesoffinancialcrimes,includingmoneylaunderingandterroristfinancing.Thefederalregulatory agencies continue to rely on financialinstitutionstotake“everyreasonablestep”toidentify,minimize, and manage any risks that illicit financialactivitymaypose to the individual institutionand totheindustry.

OngoinginitiativesbytheFinancialCrimesEnforcementNetwork(FinCEN)andthecontinuedexpansionsinthefederal examination procedures reinforce the needtohaveastrongBSAprogramatyourinstitution.This

full-dayseminarcoversindetailthemajorissuesandopportunities in the ever-expanding environmentof the Bank Secrecy Act. Personnel who havemanagement-levelresponsibilitiesforBSAcomplianceandindividualswithretailbanking,riskmanagement,compliance,audit,operational,corporatebanking,andtrainingresponsibilitieswillbenefitfromthisprogram.Register today at www.cbaofga.com for a city mostconvenientforyou.

3rd Quarter Compliance Program Topic:BankSecrecyAct/Anti-MoneyLaundering

Five Convenient Locations!

DATES/LOCATIONS:

September10-BrunswickSeptember11-TiftonSeptember12-MaconSeptember17-RomeSeptember18-Duluth

Mark Dever AAP, CAMSSenior Consultant, Professional Bank ServicesLouisville,KY

SPEAKER:

Is your bank hosting a fun event or honoring someone in your community? Send us your news and you could be featured in a future issue of the Georgia Communities First magazine!


ServisFirst Correspondent Banking.Our name is our mission statement.

Richard LaneSenior Vice PresidentCorrespondent [email protected]

Rodney E. RushingExecutive Vice [email protected]

Don G. OwensSenior Vice [email protected]

B I R M I N G H A M • D O T H A N • H U N T S V I L L E • M O B I L E • M O N T G O M E R Y • P E N S A C O L A

J. David JordanVice [email protected]

Karen GrahnManager, Credit Card [email protected]

Member FDIC Equal Housing Lender

205.949.0302 www.servisfirstbank.com

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

COATED78c58mCorrespondent Banking Division

850 Shades Creek Parkway, Suite 200Birmingham, AL [email protected] 855.881.0364

During these challenging times, complying with federalbankingregulationscontinuestobeademandingtaskwhichrequiresa thoroughunderstandingof theapplicablerules.CBA Compliance School helps financial institutions meetthe compliance challenge by providing intensive trainingon the various regulatory requirements. The curriculum isdesignedforallcommunitybankstaffthathascomplianceresponsibilitiesandprovidesthemosteffectivecompliancetrainingavailable.

Onceagain,theCBAishonoredtopartnerwithProfessionalBank Services (PBS), Louisville, KY, to present this one-of-a-kind compliance school. The school curriculum includesprominentfederalregulationscoveredinonsitecomplianceexaminationsbyfederalregulatoryagencies.

TheCBAinvitesyoutoconsiderattendingtheonlycomplianceschooldesignedspecificallyforGeorgiacommunitybankers!Youmayelecttoattendtheentireschooloryoumayelecttoattendjustthethree-dayLendingModuleortheone-dayDodd-FrankUpdate.Watchforadditionaldetailstoarriveatyourofficesoon.

8th Annual Compliance School Monday - Thursday, October 21 - 24, 2013 BrasstownValleyResort&Spa,YoungHarris

A community bank compliance school designed to cover the federal lending regulations and a Dodd-Frank Update on the CFPB Mortgage "Final Rules."

Graduates of the 2012 Compliance School

Brasstown Valley Resort & Spa, Young Harris


Community Bank Marketing ConferenceThursday - Friday, October 3-4, 2013

Legacy Lodge & Conference Center | Lake Lanier Islands

It'sback!TheCBA ispleased toannounce theonlymarketingconference designed specifically for community banks! Theconference will be held October 3-4, 2013 at the beautifulLegacy&LodgeConferenceCenteratLakeLanierIslands.Withapanelofinformativespeakers,timelytopics,peernetworkingand a mini-expo featuring the latest products and servicesdesigned for community bank marketers, you won't want tomissthisconference.

M e e t t h e S p e a k e r s

Mike BartooRegionalManager

MARQUISLutz,FL

Jim Marous SeniorVicePresident

NewControlCleveland,OH

Craig EversolePresident,

TheEversoleGroupLLC,Ridgeland,MS

Lanelle HendersonRegionalDevelopment

DirectorConstantContact

Atlanta

Scott MillsPresident

WilliamMillsAgency,Atlanta

Register Today and Make Your Hotel Reservations!AblockofroomshasbeenreservedatLegacyLodge,andtheroomrateis$159*forsingle/doubleoccupancypernight.Callthereservationsdepartmentat770.945.8787ortoll-free800.840.5253andrequestgroupcode131003CBAS;or,reserveonlineatwww.lakelanierislands.comandusethegroupcode.*Additionaltax,resortandparkingfeesapply.

digital Marketing | social Media | Mini-expo | Multi-Channel Communications database Marketing Media Relations | Much More

In order to achieve parity with national banks,Commissioner Kevin Hagler of the GeorgiaDepartmentofBanking&FinanceissuedaDeclaratoryOrder determining overdraft fees imposed by state-charteredbanks inconnectionwithdepositaccountsarenotsubjecttostatelawusurylimitations.

In the order, Commissioner Hagler modifies thedeposit-taking authority of state-chartered banks toprovide overdraft fees on deposit accounts are non-interestfeesandchargesdirectlyrelatedtothereceiptandwithdrawalofdeposits,inordertoachieveparitywithnationalbanks.TheDepartmentwillrequirestate-chartered institutions to comply with the provisionsin12C.F.R.§7.4002(b)iftheyhavenotalreadydones o as well as expect state-chartered

bankstocontinuetoimplementthe joint guidance and theFDICguidanceonoverdrafts.

The Commissioner hasconcluded this orderwill reduce the safetyand soundness risks of

state-chartered banks and

CommissionerHaglerIssuesDeclaratoryOrderimprove their safety and soundness ratings as theseinstitutionswill no longerbe subject tousury claimsrelated to overdraft fees. The order will also easethe administrative burden onmanagement at state-charteredbanksbyeliminatingtheneedtoengageinausuryanalysispriortoimposinganoverdraftfee.

“Our state-chartered members greatly appreciateCommissionerHaglerandtheDepartmentofBanking& Finance issuing this Declaratory Order,” said RobBraswell,President&CEOoftheCommunityBankersAssociation of Georgia (CBA). “It clarifies the long-held interpretation and practice that overdraft feesimposedbystate-charteredbanksondepositaccountsarenotsubjecttostateusurylimitations. ThisOrderensures the playing field remains level for state andnationalbanksthroughoutGeorgiaand isawelcomepronouncement.”

To read the Declaratory Order on the GeorgiaDepartment of Banking & Finance’s website, pleasego to: http://dbf.georgia.gov/documents/declaratory-order-overdraft-fees.

What’s the difference between Wall Street and Main Street?

Authenticity and Integrity.

Grow your bank with us.

www.icba.org


Member Services News:

ACG and the Community Bankers Association of Georgia(CBA)haveexpandedendorsementtoincluderefurbishedAutomaticTellerMachines(ATMs).Since2004,theCBAhasendorsedACGfortheTellerCashCountingSystemandtheSelf-ServiceCoinCenter.

“WearedelightedtoexpandtheendorsementwithACG,”statedRobBraswell,President&CEOoftheCBA.“Asalong-timeEndorsedMemberCompany,ourbankersknowthemfortheirTellermateCashCountersandMagnerSelf-ServiceCoinCenter.Ourbankersarelookingforvalueanditmakessensetodobusinesswiththe largestATMrefurbishmentcompany,headquarteredrighthereinGeorgia,”continuedMr.Braswell.

According to Brad Serff, President & CEO, ProvidenceBank,Alpharetta,andChairoftheCBA’sMemberServicesCommittee,“ACGhasbeenanactivepartnerwiththeCBA.The company has undergone an extensive due diligenceprocessandearnedtheapprovalofboththeCBA’sMemberServicesCommitteeandtheBoardofDirectors.Memberbankswillbenefit fromsignificant savingson refurbished

ATMs,thecashcountersandself-servicecoincenters.”

Since 1986, ACG has been a leader in providingcomprehensive business solutions to community banks,includingrefurbishedATMs,branchequipment,marketinginnovations,fieldserviceandmaintenance,andweb-basedservicesupport.

“Since 2010, ACG has refurbished thousands of ATMsand delivered across the state, across the country andworldwide,” explained Phil Winn, President of ACG. “WeareexcitedaboutthisnewpartnershipandtellingourstorytoGeorgia’scommunitybankers.Theseproductswillhelpbranches increasebranding and efficiency,while reducingoperationalcosts.”

For more information, visit www.ACG.US.COM, or contact PhilWinn at (770)[email protected].

The Community Bankers Association of Georgia (CBA)announces a marketing alliance with PromontoryInterfinancialNetwork,LLCwhichincludesBankAssetpointand Insured Cash Sweep (ICS). Promontory providessmart solutions that help banks to compete. BankAssetpoint is a website that helps financial institutionsmake efficient connections and facilitates the sharing ofinformationregardingthepurchaseandsaleofbankassets.Promontory’sICSenablesbankstobuildstrong,profitable,million-dollar relationships;manage their balance sheets;purchase cost-effective funding; and, ultimately, improvetheirbottomlines.

BankAssetpointisthebestplacetoconnectwithbanksandspecialtyserviceprovidersandtopostbankassetsforsale.Benefitsinclude:

•Accesstoalargenumberofeligiblebuyers,facilitatingfasterdisposition

•Theeaseofpostingandmonitoringawiderangeofbankassetsinasingle,secureplace

•Anonlineplatformthatdoesn’tcompetewithbrokersorbanks,promotinggreatertransparencyandmarketefficiency

• Trust in a marketplace created by Promontory,acompanyfoundedbybankingexpertsfromthemostseniorlevelsofpolicymakingandpractice

•BankAssetpointpostingfeesaregenerallywaivedforanintroductoryperiodthroughDecember31,2013.

Bank Assetpoint is operated by Assetpoint Services, LLC,a wholly-owned subsidiary of Promontory InterfinancialNetwork,LLC.

ICS, the Insured Cash Sweep® service, is a low-cost,reciprocal deposit sweep service with the flexibility of ademandoption (where funds canbeplaced intodemanddepositaccounts)and/orasavingsoption(wherefundscanbe placed intomoneymarket deposit accounts). ICS canhelpbanksto:

• Compete on dimensions other than price and feature access to significantly higher levels ofFDICcoveragethanbanksofanysizecanofferontheirown

•Replacehigher-costfunding

•Reduceongoingcollateralizationandtrackingburdens,andhelpimproveassetliquidity

•Attractandretainloyal,large-dollarrelationshipsthatcangeneratecross-sellingopportunities.

To learn more at www.promnetwork.com, or contactDanny Capitel at 866.776.6426, ext. 3476 or [email protected].

CBA’s Marketing Alliance with Promontory Interfinancial Network, LLC

CBA Expands Endorsement with ACG to Include Refurbished ATMs


It’seasytowritestatementslike“improvecustomerexperience,”“streamline processes” or “create a culture of innovation” inyour financial institution’s (FI’s) strategic plan. These are all

admirable and valuable strategies towardmaking your FImoreefficientandcompetitive.

Yetsometimesthese loftystrategiesarehardtopulldown intotactics that can actually be implemented. Stretching out ofcomfortablepatternsisdifficult.Butoftenapproachingchangeinacompletelynewwayisexactlywhatittakestomakemeasurableimprovements.

One way to shake up your approach: Challenge your FImanagement and staff to think like a start-up company. Withlimited capital, awealth of energetic ideas, and people power,start-upsare forcedtobebothcreativeandaggressivewhen itcomes to addressing challenges. Here are a fewways to applystart-upthinkingtosomecommonFIstrategies:

If your strategy calls fordelivering services faster, think aboutthesestart-uptechniques:

• Becomemorenimbleandeliminatebureaucracy:Withinthe confines of compliance, what steps in currentprocesses are unnecessary? Are there new softwarepackagesorappsthatcanspeedtimetodelivery?

• Flattenyourorganizationtogetclosertothecustomer:Lookatyourorganizationalchartandredefinerolesandresponsibilities.Maybetherearesupervisoryrolesthatcanbecombinedtoassignsomeonetoanewcustomerexperienceposition?

• Eliminate silos: In a start-up,everyonedoesa littlebitof everything,whichmeans all employees understandhow their performance effects the next person in theprocess.Cross-functionalteamscansimulatethisstart-upenvironmentsotheentirestaffcanthinkaboutthebestwaytoaddressachallenge,evenifit’snotintheirdepartment.

If your strategy directs that your FI should become more customer-centric,considerthesestart-uptactics:

• Engage the customer: Through social media, surveysorone-on-oneconversations,askyourcustomerswhattheyneedandreallylistentotheirresponses.

2013:TheYearYourFinancialInstitutionStartsActingLikeaStart-Up

• Rewardthecustomer:Tryingtogetmorecustomerstoutilizemobilebanking?Start-upsoftenrewardtheirearlyadopters through special offers delivered in frequentandtailoredcommunications.

• Get social: Partner with other innovative companies(maybe some of your commercial customers) oreconomic development groups to host educationaleventsthatgiveyoufacetimewithpotentialcustomers.Talk to them about your offering in a more relaxedenvironment.

If your strategy in 2013 includes becoming the preferred FI employer in your market,thinkaboutthesestart-upstrategies:

• Thinktime:It’seasytogetcaughtintheday-to-dayworkloopinanyFI.Requirekeyemployeestospendanhouraweekdoingnothingbutthinkingaboutandresearchingsolutionstospecificchallenges.Orpullacross-functionalteamtogetherforlunchtoattackaproblem and map out a plan for implementing the solution.

• Rewardtherebels:Youmayhaveanincentiveprogramfor new accounts or customer service, but do youalso reward those who make radical suggestions thatstreamlineprocessesorsavemoney?

• Celebrate success: In a start-up, employees are oftenpullinglonghoursandeatingtakeoutfood,buttheyareenergizedbythethoughtofbeingapartofsomethingnewandexciting.MakesuretocommunicateyourFI’svisionandgoalstoyouremployeesandrewardthemwhentheytakestepstohelpyougetthere.Thesmallestandmostunexpectedgesturesaretheonesyourtopperformerswill remember the most. From a gift card from theirfavoriterestauranttoasincerehandshakeanda“thankyou,”celebratingevensmallsuccessescanbememorable.ThesearejustafewexamplesofhowyourFIcanapproachyour strategic goals like a start-up; undoubtedly, therearemanymore.Byactingmorelikeastart-up,youcanbecomeclosertoyourcustomers,developacultureofinnovationandchallengeyourbestemployeestobringyoutheirbestideasforthemosteffective

Tolearnmore,contactMarkFucciat(866)[email protected]

Jim GhiglieriSeniorVicePresidentCorporateCommunicationsSHAZAMACBAEndorsedMemberCompany

F o c u s o n s o l u t i o n s

‹ Financial Management

Credit Quality ›

SNL Banker’s easy-to-use reporting platform will empower your team to spend less time creating reports and more time acting on revenue opportunities.

Time spent on report generation reduces time spent on income growth.

Increasing demands from regulators and shareholders place a heavy reporting burden on banks, diverting resources and adding costs.

Reducing report prep time while re-purposing your staff will boost your bottom line.

25employees

30%reporting

duties

Cut Hours in half

7,800 extra man-hours

per year

=

› Community Bankers Association of Georgia members:Learn more about reducing your reporting burden.Contact Julie Jones at 434.951.4419; [email protected].


F o c u s o n s o l u t i o n s

‹ Financial Management

Credit Quality ›

SNL Banker’s easy-to-use reporting platform will empower your team to spend less time creating reports and more time acting on revenue opportunities.

Time spent on report generation reduces time spent on income growth.

Increasing demands from regulators and shareholders place a heavy reporting burden on banks, diverting resources and adding costs.

Reducing report prep time while re-purposing your staff will boost your bottom line.

25employees

30%reporting

duties

Cut Hours in half

7,800 extra man-hours

per year

=

› Community Bankers Association of Georgia members:Learn more about reducing your reporting burden.Contact Julie Jones at 434.951.4419; [email protected].

BankOwnedLifeInsurance(BOLI)haslongbeenapopulartoolforbanksacrossthenationtohelpoffsettherisingcostofalloftypesofemployee

benefits.UnderaBOLIplan,bank’smakeapremiuminvestmentonaselectgroupofemployeesthatgrowsonataxadvantagedbasisandhashistoricallybeenahighyield,lowrisksourceofnon-loanincome.BankspurchasingandmaintainingBOLImustcomplywith guidelines jointly establishedby all four federalregulatory agencies—OCC, FRB, FDIC, and OTS— onDecember7,2004.TheinteragencyguidanceprovidesaBOLIconcentrationofcapitalguidelineof25%,withsomevariationinthecalculationbasedonthespecificregulatoryagency.

Throughthefinancialcrisisof thepastseveralyears,communitybankBOLIproductshaveperformedwelland provided steady cash value returns to financialinstitutions. Ascapital levelshavediminishedduringthis same period, many Georgia banks have foundthemselveswith BOLI holdings that exceed the 25%guideline. For example, in 2005, 9banks inGeorgiahadBOLI holdings in excessof 25%of Tier I Capital.Asoftheendofthefirstquarter2013,29bankshaveholdingsinexcessofthe25%guideline.

An institution holding BOLI in an amount thatapproaches or exceeds the concentration guidelinecan expect examiners to more closely scrutinize itsrisk management processes and documentation.Thereforeit is importanttobeproactiveanddiligentwhen it comes to monitoring potential BOLI riskfactors such as credit risk, interest rate risk andliquidity risk. Listedbeloware a fewbest practices:

• Workwithaconsultant/vendorthathasspecificexperienceandexpertise in thismarketplace.

• Beabletodemonstratethatseniormanagementand the board have effective oversight and athorough understanding of the product andtherisksinvolved.

• Make sure that you have comprehensivepoliciesandproceduresinplacethatoutlineanongoingsystemofriskassessmentandinternalcontrolprocesses.

• Havedocumentationonhandtodemonstratethat the BOLI holdings are not excessive inrelationtotheemployeebenefitexpensetoberecovered,suchashealthinsuranceexpenses,401(k)matchingexpensesandotheremployeebenefitexpenses.

• Perform a thorough plan review and riskassessment at least once per year, withsupplemental reporting on a quarterly basis.

• Frequently monitor and review your BOLIcarrier’s ratings and financial results.

The rewards of a BOLI program are attractive andhard to overlook, especially in today’s interest rateenvironment.Butifyourbankfindsitselfwithacapitalconcentration of BOLI that exceeds the regulatoryguideline, adhering to the guidelines listed abovewill ensure that management and board are wellversed on the program, and provide documentationtohelpdeterminewhetherornotyourBOLIholdingsrepresentanimprudentcapitalconcentration.

Tolearnmore,contactBrianMillerat(770)[email protected].

WhenBOLIHoldingsExceedRegulatoryConcentrationGuidelines Brian Miller

ManagingPrincipalBancConsultingPartnersACBAEndorsedMemberCompany


This cliché has gained even more relevance asbankers consider ways to generate interest-incomein a historically low interest rate environment.

CommunityBankershavefoundthisevenmorechallengingastheycompeteagainstlargeregionalbanksandnationallenderswhoareenteringtheirmarketplaceandcapturingloancustomerswithaggressivetermsandconditions.Thechallenge facing bankers is how to efficiently grow theirloanportfolioinordertoachievemaximumprofitability.Indirect Lending is an optionmanybankers are exploringin order to grow and diversify their loan portfolio. Byleveraging and maximizing partnerships with third-partyproviders,thishasproventobeanextremelyefficientandprofitablewaytoproducequalityloanvolume.Ofcourse,itisimperativethatbankersconductextensivedue-diligenceon theseproviders toensure theyarepartneringwithanexperienced and reputable third-party provider. These

specialized lenders can be a valuable resource to yourorganizationbyprovidingcost-effectivelendingsolutionsinordertogenerateinterestincome.

Triad Financial Services, Inc. is specialty finance companyservingthemanufacturedhousingindustrysince1959.Withover100financialinstitutionspurchasingloansin43states,TriadisalsoanEndorsedServiceProviderwithCBA.Anichespecialty lender focusingonprimecreditborrowers,Triadhas a long standing reputation for providing high quality,secured consumer loans in the most efficient mannerpossible. Consider Triad when exploring proven ways todeployyourdepositsintohigh-performingloans.

Tolearnmore,contactKeithStayerat(800)522-2013ext:[email protected].

Discover Debit offers financial institutions anuncomplicatedapproachtosignaturedebit.Itsattractiverevenueopportunitiesandcompetitive

program features allow issuers of all sizes a chance toexperienceafreshalternativetootherdebitprograms.

DiscoverDebitcandeliveramoreprofitablesignaturedebitprogram through highly competitive interchange, fullydisclosed pricing and simplified billing, fraud preventionservices,networkstabilityandmarketingsupporttogrowyourportfolio.

Wecallitbetterdebit.Betterbecauseofchoice,flexibilityandputtingyouincontrol.Consider the many benefits of Discover Debit:• Gainacompetitiveadvantagewithour uncomplicatedapproach

• Improveyourbottomlinewithsuperiorrevenue opportunities• Providethesecurityandconvenienceyour accountholderswant

• Buildstronger,lastingrelationshipswithyour accountholders• Enjoysimple,easyoperationsthatmake implementationandprogramsupportefficient andworry-free

Discover Debit also offers your account holders broadacceptance that continues to grow nationally andinternationallyeveryday.DiscoverDebitoffersmerchantacceptanceat 8.5million locations. It alsopartnerswithmerchantacquirersthatprocess99percentofallbankcardtransactionvolumeintheUnitedStates.

Your bank and your account holders expect security,convenienceandreliabilityfromadebitprogram.DiscoverDebitmeets–andexceeds–thoseexpectations.

To learn more, contact MarkReda at (813) 854-2210 [email protected].

Bottom Line“It has saved our bank numerous times.”

In the early ‘80s, Mr. Heitkamp and ValueBank Texas were looking for a network partner that understood the needs of a community bank. PULSE was the perfect fit. Over the years, ValueBank has utilized many of our innovative products and services to help them grow. When it comes to fraud detection, they rely on DebitProtect®. It provides early warnings on fraudulent card activity, which has helped them significantly reduce their fraud losses. That’s good for ValueBank’s bottom line.

“If you’re not using DebitProtect, you better take a good look at it.” To take a good look at DebitProtect and hear what else Mr. Heitkamp had to say, go to:pulsenetwork.com/debitprotect-cba©

2013

PU

LSE

OutsidetheBoxR. Keith StayerVicePresidentTriadFinancialServicesACBAEndorsedMemberCompany

Discover®Debit:ABetterChoiceinSignatureDebit

Mark RedaSeniorManagementBusinessDevelopmentPULSEACBAEndorsedMemberCompany

Bottom Line“It has saved our bank numerous times.”

In the early ‘80s, Mr. Heitkamp and ValueBank Texas were looking for a network partner that understood the needs of a community bank. PULSE was the perfect fit. Over the years, ValueBank has utilized many of our innovative products and services to help them grow. When it comes to fraud detection, they rely on DebitProtect®. It provides early warnings on fraudulent card activity, which has helped them significantly reduce their fraud losses. That’s good for ValueBank’s bottom line.

“If you’re not using DebitProtect, you better take a good look at it.” To take a good look at DebitProtect and hear what else Mr. Heitkamp had to say, go to:pulsenetwork.com/debitprotect-cba©

2013

PU

LSE

OutsidetheBox


Fouryearsago,asournation’seconomicdownturnbegan trickling down fromWall Street banks tocommunity banks,many banks abandoned their

marketing efforts. They did so in large part due tofinancialconstraints,andhavecontinuedtheirminimalmarketingeffortsinordertodownsizetheirbanksforcapitalconcerns.However,forthelong-termstrategyofthebank,let’sconsiderthefollowing: We’ve fallen into communications apathy

Today, under an umbrella of increased regulatoryburdens, many banks continue to go silent withtheir customers andprospects.Money is leaving thebankingsystemfortheattractivenessofarisingstockmarketandcreditunionshavesteppedforwardintheiradvertising efforts Yet, we have convinced ourselvesthataslongasourcompetitorsarequiet,it’sokayforustobesilent,too.Andsufficienttimehaspassedthatwe’vebecome,generally,apathetictowardmarketingendeavors.

We’re losing our identity as relationship-based, service-driven community banks

The relationships you maintain are the foundationandcoreofyourbank.Youworkdiligentlytoprovidetop-drawerserviceanddeliversolutionsinatailored,responsive way. That’s what community banking isall about.But ifprospectivecustomersdon’t get themessage, there is no foundation being laid for thefuture.Yourbankisnotbeingdefinedorpositionedinthemarketplace.

We’re developing technologies that diminish the relationship aspect

In lieu of selling deposit products and even loans,many community bankers are jumping headfirst intotheworldofdevelopingsocialmedia,althoughmanybankers really haven’t decided how to utilize thesetechnologies.We have had online banking and now,

mobile banking, text banking and Facebook. You doso in the name of convenience, but at the expenseofface-to-facerelationships.Forcommunitybankers,thesetechnologiesmeetthedemandsoftheiryoungercustomer base; but at the same time diminish thestrengthof thebank todevelop relationshipsand todeliverfinancialservicesinapersonalmanner.

Consumers and business owners listen to the one who is talking

It’s critical to remember that when few are talking,consumers and business owners are listening to theones that are. It’s time to renew your commitmentto communicating to your market and internally toyourcustomerstoshapethegrowthofyourbank,toposition itcompetitivelyandtodefinethedifferenceyoumakeasacommunitybank.

TolearnmoreaboutCBAEndorsedTheEversoleGroup,LLC, contact Craig Eversole at at (601) 977-5225 [email protected].

Find us on Facebook and LinkedIn.

CONNECTEDSTAY

to a l l th ings CBA !

InOrdertoWin,YouMustFirstCompete.Let'sTalkMarketing.

Craig EversolePresidentTheEversoleGroup,LLCACBAEndorsedMemberCompany

1900 The Exchange, Suite 600Atlanta, GA 30339www.cbaofga.com

freedom of choice

Choose an EFT Network Invested in YouWhile some would like community financial institutions to have fewer choices and less control,

SHAZAM believes that community financial institutions must remain in control of their own futures.

SHAZAM is owned and operated by community financial institutions. We understand who you are and what you believe in. We’re here for you, providing the cost-effective technology that makes you more effective.

You do have a choice in EFT networks. Choose the only EFT network invested in your success.

www.shazam.net (800) 537-5427

georgia communities first magazine summer 2013

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