51st annual ConvenTion · kind Mini-Trade Show offering bankers and exhibitors the opportunity to network in a time-efficient setting. Bankers can get up-to-speed on the latest products

Thursday-sunday, sepTember 12-15, 2019The riTz-CarlTon, amelia island, Fl

51st annualConvenTion

& mini-Trade show

Join us For our 51st annual ConvenTion& mini-Trade show!

sCheduleThursday, sepTember 12th

morning free

afternoon & evening Convention RegistrationExhibitor Set-UpBoard of Directors Meeting & Dinner (by invitation only)

Desserts, Coffee & Cocktail Reception & Auctions

Friday, sepTember 13th morning

BreakfastGeneral Session with Mini-Trade Show7-Minute Spotlight

afternoon

Lunch BuffetConcurrent Sessions

evening free

saTurday, sepTember 14th

morning

Dawn Breakers SessionBreakfastGeneral Session7-Minute Spotlight

afternoon

Lunch BuffetConcurrent Sessions

evening

Chairman’s Reception & Banquet

sunday, sepTember 15th

Departures

After dinner on Thursday night, join us and enjoy a welcome reception with various desserts, coffee and cocktails and network with your peers. Participate in CBA’s popular Silent & Live Auctions. The auctions are your chance to purchase sports tickets, memorabilia, gift cards, restaurant packages, vacation getaways, jewelry, novelty and one-of-a-kind items. All proceeds benefit CBA’s Political Affairs Committee (PAC) and Public Relations (PR) funds. Cba maintains the only state

paC working exclusively for Georgia’s community banks. please see the item donation form on page 5 of this brochure.

Thursday Night Desserts, Coffee, Cocktails

silenT & live auCTionsThursday, 8:00 – 9:30 pm (for all registered persons)

Celebrating aLifetime of ServiceCBA’s Lifetime Service Award recognizes bankers who have reached a milestone of 30, 40 or 50 years of service to the banking industry and who have been heavily involved in their community. The Association is extremely appreciative of these individuals who have served as a role model to the banking community. In addition to being recognized at the Chairman’s Banquet on Saturday night, honorees will receive a plaque and be featured in various CBA publications. Honorees with 50 years of service will receive a customized gold and diamond pin.

If you or someone in your bank is celebrating a milestone, please let the CBA know by August 2, 2019. Email Jeremy Thomens at [email protected] for more information.

CBA invites you to join us in Amelia Island, FL, for the 51st Annual Convention & Mini-Trade Show at The Ritz-Carlton! We’ve lined up dynamic speakers to cover a wide variety of topics with you in mind. Additionally, we’ve added informative Concurrent Sessions for your training needs. Friday and Saturday’s General Session and Concurrent Session topics include Liquidity Management, CEO & Executive Succession Planning, BOLI, Innovation & Fintech, Economic & Banking Trends in Georgia, SB 157, Human Resources, and more!

On Thursday night, join us for our welcome reception with desserts, coffee and cocktails, and participate in CBA’s popular Silent & Live Auctions! In the Friday General Session, hear from Georgia Lieutenant Governor Geoff Duncan. On Friday and Saturday, take part in the 7-Minute Spotlights where you could win $1,000 after hearing two informative presentations. On Saturday evening, join us for the Chairman’s Reception & Banquet. We look forward to seeing you at Amelia Island!

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CBA is known for its one-of-a-kind Mini-Trade Show offering bankers and exhibitors the opportunity to network in a time-efficient setting. Bankers can get up-to-speed on the latest products and services designed for community banks. Immediately following the Mini-Trade Show, the CBA will host a 30-minute refreshment break featuring networking and great prizes! For more information on the Mini-Trade Show, contact Lindsay Greene at [email protected].

mini-Trade showFriday, september 13th - 9:45-11:45 amTwo Chances to win $1,000 in Cash

Must Be Present to Win!

Friday, september 13th - 9:30 am & saturday, september 14th - 11:00 am

7-minuTe spoTliGhTs

Friday General session

CBA is pleased to announce two informative, presentations. Vijay Guneta from Fiserv and a representative from PrismPremier will each present their own 7-Minute Spotlight during the General Session - one on Friday and one on Saturday. Simply enjoy the presentation, complete an entry form, and a drawing for $1,000 will be held immediately after each presentation. You must be in the General Session for the entire presentation (no late walk-ins or early walk-outs). Only Bankers and Bank Directors are eligible. Good luck!

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A former professional baseball player and successful entrepreneur, Geoff Duncan was elected Georgia’s Lieutenant Governor in November of 2018.

Geoff attended the Georgia Institute of Technology as a scholarship pitcher. After a successful career at Georgia Tech, Geoff was drafted by the Florida Marlins’ organization.

After retiring from baseball, Geoff and his wife Brooke started a small marketing firm in their living room. The company experienced tremendous success which allowed Geoff

and Brooke to sell the business and move on to multiple other entrepreneurial ventures.

Geoff’s faith inspired him to a life of leadership and prompted his upstart run for political office. He was elected to the Georgia House of Representatives in 2012. During his time in office he authored several important pieces of legislation. These include HB 749-The Cargo Theft Act, HB152-Michael’s Law and most recently SB258- the Rural Hospital Tax Credit.

Friday, september 12th, 12:15 -1:00 pmGeoFF dunCan

lieutenant Governor

“State of the State”

a ConversaTion wiTh The reGulaTorsmoderaTed by lori GodFrey

Friday, september 13th - 8:15-9:15 am

This session features a panel of regulators ready to discuss industry hot topics and answer banker questions. Panelists include mike dean from the FDIC, Jason sisack from the OCC and melissa sneed from the GA Dept. of Banking & Finance. CBA’s lori Godfrey, Executive Vice President, Chief of Staff / Government & Regulatory Relations, will moderate. Attend this session to hear first-hand how regulators address issues important to Georgia’s community bankers.

how To dynamiCally measure, moniTor and manaGe your liquidiTy in a volaTile raTe environmenTMatt Harris - Senior Vice President, Assistant Director of Asset/LiabilityManagement, The Baker Group

Over the last several years, loan demand has outpaced deposit growth and has left many banks with their tightest liquidity levels since before the financial crisis. Furthermore, banks are now feeling increased pressure to pay up for deposits or face the risk of deposit runoff. This session will look at current liquidity trends in the banking industry and compare the various funding options available to determine the best liability strategy using a marginal cost of funds analysis.

enhanCed sTraTeGiC planninG in The era oF diGiTal TransFormaTion

Steve Cotton CEO & Founder, FI Navigator

How’s your bank doing in driving its digital transformation? As bank executives, we’ve always enjoyed an advantage versus other industries in accessing peer data –

at least when it comes to financial performance. But today’s bank executives must also drive their institution’s digital transformation and don’t have the same peer context on how their retail or business offering stacks up. In this session, we’ll review an analytical approach to planning that can ensure your working on the right things in 2020.

Ten besT praCTiCes in Ceo and exeCuTive suCCession planninG

Alan J. Kaplan Founder & CEO, Kaplan Partners

There are two ingredients which are clearly vital today for community banks to survive and thrive: capital and talent. While the industry landscape has improved and capital has become more accessible, there remains a shortage of quality talent capable of leading and growing a community institution in today’s highly competitive and overregulated industry. This session will highlight ten key elements of successful succession planning, focusing on the alignment of human capital strategy with the bank’s business strategy.

Friday, September 13th - 2:00-2:45 pm

Friday, September 13th - 2:50-3:35 pm

Friday ConCurrenT sessions

boli: The mosT misundersTood revenue GeneraTor

saturday, september 14th - 7:00-7:45 am

John Gianacaci - Southeast Regional Managing Director, BFS Group

A discussion about the key elements that make Bank Owned Life Insurance (BOLI) a great alternative earning asset for banks and the misconception that BOLI needs to be linked to top executive benefit plans. Why BOLI is much different than traditional life insurance; peer group data; how BOLI can be a key component to a bank’s profitability be increasing non-interest income; and a review of BOLI annual administration considerations.

saTurday dawn breakers’ session

Pre-registration for all concurrent sessions is required; lunch will be provided to those who pre-register.

Desserts, Coffee, Cocktails

silenT & live auCTions

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GeorGia’s aG eConomyKent Wolfe

Director of Center for Agribusiness & Economic Development,

The University of Georgia

Kent Wolfe will discuss important and timely topics regarding Georgia’s Agriculture economy. At the University of Georgia, Kent’s primary responsibility is performing market analysis for proposed feasibility projects at the Center for Agribusiness and Economic Development. Kent’s market analysis includes target market identification, estimating market potential, product positioning, developing marketing strategies and identifying marketing channels.

iCba reporT

saturday, sept. 14th 9:50-10:15 am

Robert M. Fisher Vice Chairman, ICBA; Chairman, President and CEO of Tioga State Bank in Spencer, NY

Learn about ICBA’s efforts in Washington and the impact they have on the communty banking industry.

how innovaTion and FinTeCh will shape The FuTure oF bankinG

saturday, sept. 14th 8:35-9:35 am

Kevin Tweddle Chief Operating Officer and Chief Innovation Officer, ICBA

This session will address how growing community banks are changing the way they do business to account for the digital transformation occurring in the banking industry today. We will discuss why community banks are looking to fintechs for assistance and the best practices for successful fintech partnerships. This session will focus on what the future of banking looks like and how emerging technologies will play a role in the bank going forward.

eConomiC and bankinG Trends in GeorGia

saturday, sept. 14th 10:15-11:00 am

Ronald W. Sims II, CFA Regional Manager, FDIC’s Division of Insurance and Research

This presentation is an analysis of current economic and banking conditions in the state. Ronald serves as Regional Manager for the Atlanta Regional Office, which covers over 650 insured institutions with headquarters throughout the southeast. Ronald is considered a subject matter expert on all bank related analysis within the Atlanta Region. His expertise covers mostly community sized institutions as well as the retrieval and examination of bank financial information.

saTurday General session

empower your hr and payroll Teams wiTh sysTems ThaT help keep you in ComplianCe

Sherry Burick

Sales Director, CBIZ Human Capital Management

Sherry will highlight products available to capture information to keep you in compliance

avoiding common pitfalls that result in fines and penalties. Industry specific tips to help save your bank money by streamlining your tracking and eliminating manual processes.

new TeChnoloGies: The FuTure oF paymenTs

Patrick Dix

Vice President of Strategic Alliances, SHAZAM

Evolving and emerging technologies like chip, P2P and voice payments mean the competitive landscape is shifting and businesses of all sizes need to stay informed about the changing payments landscape. Explore the benefits of new technologies, the challenges they present and how increased options on payment networks could mean higher profitability for your institution.

saTurday ConCurrenT sessionsSeptember 14th - 1:15-2:00 pm

Pre-registration for all concurrent sessions is required; lunch will be provided to those who pre-register.

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saturday, september 14th - 11:30 am - 12:15 pm

Experts will share knowledge, information and guidance on how banks can take advantage of the passage of the “Municipal Deposits” Bill signed into law by Governor Brian Kemp at CBA’s Headquarters on May 2, 2019. Banks will learn the next steps in order to go live with the new pledging option. The session will be facilitated by: senator John F. kennedy; michael white, Partner, James-Bates-Brannan-Groover-LLP; danny Capitel, Regional Director, Promontory Interfinancial Network; and, a representative from The Baker Group.

opTions For muniCipal deposiTs posT sb 157

The Ritz-Carlton in Amelia Island offers a truly unique experience that suits the tastes of all guests, including nature lovers, history lovers, and outdoor sports enthusiasts. Catch the spectacular morning sunrise at the North Beach boardwalk,

then take a stroll on the cobblestone streets of the historic village of Fernandina Beach, just minutes away from the resort. Guests of the hotel can also work on their game at the 18-hole championship golf course at The Golf Club of Amelia Island. After a full day in the sun, indulge in total relaxation at The Ritz-Carlton Spa, where guests can take advantage of a variety of world-class spa packages.

hotel reservation information:For single/double occupancy – Coastal View, $259 per night plus state and local taxes at the time of check-in (currently 12%). Valet parking for the group has been reduced to $20 per vehicle, per night. The resort activity package for our group has been reduced to $17 per night and has many inclusions. Contact Peake Wilson at the CBA for more information. The group rate is available for up to 3 days prior and 3 days after event. The deadline to receive the discounted rate is Monday, August 12, 2019 or when the room block is full. For reservations, call the Group Desk toll free at (866) 763-2960 and reference “2019 Annual Convention & Trade Show Community Bankers” to receive the discounted rate.

The riTz-CarlTon

YES, I will support the CBA PAC/PR Fund by donating an item for the 2019 Silent Auction.

Description _______________________________________________________________________________________Estimated Value $____________________________

YES, I will make a cash donation to the CBA’s Silent Auction Fund. Amount $______________Name ____________________________________________________________________________________________________ Bank/Co _________________________________________________________________________________________City / ST / Zip Code _________________________________________________________________________________ Phone ______________________ Fax ________________________ Email ____________________________________

Please support the fundraiser by donating to the Silent Auction. Popular items include electronics, artwork, collectibles, sports memorabilia/tickets, use of a condo or vacation property, children’s items, gift baskets, gift cards, home décor, jewelry and much more. Complete the donation form below and make your commitment today. If you cannot donate an item for the auction, consider a cash donation. Please send to [email protected] or fax to (770) 541-4496. We appreciate your support!

I plan to send the item to the CBA. I plan to bring the item with me to the convention. If item is oversized, you may want to consider sending a photograph and details of the

item to the CBA. The Association can create an attractive display for your item.

2019 Cba silenT & live auCTion donaTion FormDeadline for auction item donations is Wednesday, August 21, 2019

questions?Contact Lori [email protected]

supporT The 2019 Cba silenT & live auCTions

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Sponsored by

Name as it appears on card:

Account Number:

Exp. Date: Amount to be charged: $ Security Code:

Billing Address of Card Holder:

City: State: Zip Code:

First Attendee* $795 Additional Attendee* $695 Spouse/Guests/Adult Children** $250 Children 11-17*** $50 Children 10 & Under*** FREE

Bankers who are first-time convention attendees or haven’t attended in 3 years will receive $100 off their registration fee. Check here if this applies to you:

*Non CBA Members, add $200 to each registration.** Registration includes Thursday & Saturday evening functions.***Saturday evening functions are for adults only; this registration/fee applies to Thursday night only.

CommuniTy bankers assoCiaTion oF GeorGia 51st annual Convention & mini-Trade show

Thursday-Sunday, September 12-15, 2019The Ritz-Carlton, Amelia Island, FL

Invoice Me Check Enclosed Credit Card (complete form below)

From date of submission of this completed form, you agree to all fees associated with your registration and understand all posted cancellation policies.

REGISTRATION OPTIONS (all fees are per person)

CommuniTy bankers assoCiaTion oF GeorGia 1900 The Exchange, Suite 600 , Atlanta, GA 30339 | Phone (770) 541-4490

Bank/Company:

Billing Address:

City / State / Zip Code:

Attendee Name: Nickname:

Attendee Email:

Spouse Name: Nickname:

Child’s Name & Age:

Child’s Name & Age:

Guests/Adult Children (Additional fees apply):

PAYMENT INFORMATION how to register:Please fill out the form and scan/email to [email protected]; fax to (770) 541-4496; mail to 1900 The Exchange, Suite 600, Atlanta, GA 30339; call (770) 541-4490, (800) 648-8215 and speak with a CBA team member; or, register online at www.cbaofga.com.

attendee/spouse Cancellation policy:Substitutions are allowed and encouraged. Cancellations and/ or changes must be received in writing. For cancellations received on or before August 9, 2019, 100% credit will be issued. For cancellations received on or after August 10, 2019, no credit will be issued. Please visit www.cbaofga.com/annual-convention-and-mini-trade-show for the Exhibitor cancelation policy.Consent to Use of Photographic ImagesRegistration and attendance at, or participation in, Community Bankers Association of Georgia meetings and other activities constitutes an agreement by the registrant to CBA’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in photographs, videotapes, electronic reproductions and audiotapes of such events and activities.

Please duplicate form for any additional registrants.

Friday Lunch (1:00-2:00 pm)

Choose ONE in each timeframe:

saTurday Lunch (12:20-1:15 pm)

There is no additional charge to participate; however, pre-registration is required for lunch and concurrent sessions on Friday and Saturday. Please mark your choices below.

CONCURRENT SESSIONS

2:00-2:45 pm Measure, Monitor & Manage Liquid-ity, Matt Harris

or Ag Lending Topic, Commissioner Gary Black

2:50-3:35 pm Strategic Planning in Era of Digital Transformation, Steve Cotton

or Best Practices in CEO/Executive Succession Planning, Alan Kaplan

Choose ONE:

1:15-2:00 pm Empower Your HR, Sherry Burick

or Future of Payments, SHAZAM

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If you are viewing this electronically, click here to register online.

Photo Booth

INDIVIDUAL EVENT SPONSORS

SILVER SPONSORS BRONZE SPONSORS GENERAL SPONSOR

Convention Signage

Convention Totes

Hotel Key Cards

Name BadgesRegistration Packet

Convention ProgramIn-Room Gifts

Board Appreciation Reception & Dinner Co-Sponsors Chairman’s Reception & Banquet Co-Sponsors

Thursday Night Hosted Bar

Thursday Night Desserts and Coffee & Mini-Trade

Show Cash Drawing

Friday Promo Items

Convention Tumblers & Friday Cash Prize

Friday 7-Minute Spotlight

Saturday BreakfastSaturday Promo Items Saturday Breaks

Saturday 7-Minute Spotlight

Friday Lunch Buffet Co-Sponsors

Board Meeting Refreshments & Saturday Cash Prize

Ameriprise Financial Services • ATM Response • ATM USA, LLC • Atris Technology • BFS Group • CBIZComputer Services, Inc. • CRA Partners • Crescent Mortgage • Cummins-Allison CorporationDeNyse Companies • Eclipse Brand Builders • FITECH • Hamilton Mortgage • Harland Clarke

Holtmeyer & Monson • Intercept Consulting Group • J.B. Lloyd & Associates, LLC • Kasasa • PentegraPoint to Point Environmental • Promontory Interfinancial Network • QwickRate • SBA Works • SecureWorks

SHAZAM • STS Group • The Baker Group • TJS Deemer Dana • Travelers • VGM Forbin

THANK YOU TO OUR ExHIBITORS!

For more information on sponsorships, please contact Lindsay Greene at [email protected].

Thank you To our sponsors

Charging StationFriday Breakfast

Saturday Lunch Buffet

Financial Institutions Group

Welcome Refreshments & Bottled Water

Meeting Space WiFi Friday Breaks

Silent & Live Auctions

Video Message - Friday General Session