MSDOB Summit 2022

Mississippi Department of Banking and Consumer Finance Bank CEO Summit Hilton Jackson, Mississippi March 1st and 2nd 2022

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TABLE OF CONTENTS Agenda Attendee list . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ii Speaker Biographies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tab 1 DBCF Bank Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tab 2 The Examiner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Banking in Mississippi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Speaker Presentations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tab 3 Etay Moar – Thinking Like A Cybercriminal . . . . . . . . . . . . . . . . . . . . . . . . . 1 Eric Haar – 2020 Election Recap, 2022 Election Preview, Legislative Insights . . . . . . 58 Greyson Tuck – Dusting Off The Crystal Ball – Community Banking in 2042 . . . . . . . 98 DBCF Banking Supervision Staff . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tab 4 DBCF Banking Organization Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

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2022 DBCF Bank CEO Summit First Name

Shannon Matt Andrew Dennis Andrew William Justin Rebecca Chase Steve Mary Paul Bryan Adam Ben Justin Mary Matt Shane M. Ray James Steven Brooks Charlotte Jeff Susan Ken Frank Duane Barbara Paul Gordon Jim Wes Bob William Philip David Eric Alan Christe John Julie Ann Casey Greg Delbert Sam Mark David Mark W. Bradley Reed

Last Name Title

Aker Akins Alexander Ammann Anderson Ashley Babbitt Barrentine Blankenship Bozeman Brown Buchanan Burton Carlson Cayson Cheaves Childs Clark Clayton Cole Collins Cooksey Corder Corley Cox Cox Cyree Davis Dewey Donald Dowdle Fellows Fuchs Fulmer Glover Granberry Gunn Guyton Haar Hargett Harris-Leech Haynes Henry Herring Hill Hodges Hosemann Hubbard Hudson Hughes Jeanfreau Jones Jones

CEO Examiner Bank Examiner CEO President & CEO IT Examiner Bank Examiner SVP and CIO The First Bank - Hattiesburg President and CEO Administrative Officer Examiner Examiner CFO Bank Examiner Examiner President & CEO Bank Examiner President & CEO President and CEO Chief Executive Officer EVP & CFO EVP & CCO Board of Director for Cadence Bank Examiner Administrative Assistant University of Mississippi President & CEO President and CEO Examiner Bank Examiner President & CEO Vice President Executive Vice President Executive Vice President & CIO Chairman Speaker of the House President Director of Government and Industry Relations CEO/President Attorney/Board of Directors VP - Operations Sr. EVP, CFO & COO Examiner CFO Chief Banking Officer Lieutenant Governor Deputy Commissioner Supervisory Examiner Chief Operating Officer Chief Governance Officer & General Counsel President/CEO Examiner

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Company Name

Bank of Brookhaven Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Peoples Bank - Mendenhall Bank of Anguilla Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Copiah Bank SVP Copiah Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance PriorityOne Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance The Peoples Bank - Ripley Mississippi Department of Banking & Consumer Finance First Choice Bank The First Bank - Hattiesburg BNA Bank Great Southern Bank First Choice Bank Cadence Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Dean, Frank R. Day/Mississippi Bankers Association Chair of Banking Commerce Bank- Corinth Trustmark National Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Bankers Association Federal Reserve Bank of St. Louis The Peoples Bank- Biloxi The Peoples Bank - Ripley Richton Bank Speaker of the Mississippi House of Representatives Oxford University Bank Federal Home Loan Bank of Dallas Planters Bank & Trust Company First American National Bank- Iuka Farmers & Merchants Bank First Choice Bank Mississippi Department of Banking & Consumer Finance Merchants & Marine Bank Merchants & Marine Bank Mississippi Lieutenant Governor's Office Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Community Bank of Mississippi Renasant Bank Bank of Franklin Mississippi Department of Banking & Consumer Finance

Rhoshunda Cody Jeffrey Ty Steve Carrie Clayton Paul Carolyn Henry Zach Kris Etay Robert Jeff Kit Heather Ethan Matt Kent Allen Leigh Susan Tammy Charles Jimmy Jim Tate John Adrian Kent Peyton Nicky Ashley Roger Michael Robert Cissy Erik Kyle William Robert Kim Anna Michael Mark Hannah Perry Anne Bryan Jeffery Greyson Peter C. Mitchell Mike Danny Carl Alison Bridgette Don Sarah Beth Barry

Kelly King Lacey Lambert Lawrence LeCompte Legear Lion Loftin Logue Luke Mangum Maor Massengill McCoy McCoy McGuire Mckinley Mitchell Mortimer North Pace Perry Phillips Plunkett Pritchard Quinn Reeves Ryan Sandel Savage Self Shelton Sims Sinclair Sisco Skrmetta Smith Smith Smith Sones Spencer Staton Strider Sullivan Tapp Thames Thimmes Thornhill Trammell Tuck Vanlingen, II. Waycaster Webb Whalen White Wiggers Wiggins Williams Wilson Winford

Commissioner Examiner CEO Chief Risk Officer Examiner Administrative Assistant Clayton Legear, President CEO Examiner Director President/CEO CFO CEO Security Researcher CEO President and CEO Vice President Training Coordinator Examiner Supervisory Examiner EVP/Chief Credit Officer Vice President Jackson President Director of Marketing Chief Administration Officer Attorney President Chief Credit Officer Governor President & CEO CEO IT Examiner CEO Field Supervisor Supervisory Examiner Field Supervisor Examiner Examiner Senior Vice President Supervisor of Examinations Executive Vice President & CFO Chairman Executive Vice President, Chief Financial Officer Administrative Assistant Examiner Examiner EVP - Loans Examiner Director, Banking Division President/CEO Chief Risk & Strategy Attorney President and CEO President & CEO Sycamore Bank President & CEO Senior Vice President Trust Examiner General Counsel Examiner Partner EVP/Chief Credit Officer

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Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance First State Bank - Waynesboro Cadence Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Merchants & Marine Bank Mississippi Department of Banking & Consumer Finance Copiah Bank Merchants & Planters Bank Bank of Commerce Magnolia State Bank Etai Maor Bank of Brookhaven Great Southern Bank Bank of Anguilla Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Bank of Kilmichael Federal Reserve Bank of St Louis Hancock Whitney Corp Bank of Anguilla Community Bank Gerrish Smith Tuck Citizens Bank - Marks Planters Bank & Trust Company State of MS Governor's Office Conference of State Bank Supervisors United Mississippi Bank Mississippi Department of Banking & Consumer Finance Citizens Bank - Marks Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Bank of Anguilla Mississippi Department of Banking & Consumer Finance The Peoples Bank - Ripley Bank of Brookhaven BNA Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Farmers & Merchants Bank Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Bank of Commerce Merchants & Marine Bank Gerrish Smith Tuck Century Bank Renasant Bank President & COO Cleveland State Bank Federal Reserve Bank of St. Louis Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Mississippi Department of Banking & Consumer Finance Phelps Dunbar LLP PriorityOne Bank

Speaker Biographies

Mississippi Department of Banking and Consumer Finance Bank CEO Summit

Speaker Biographies

DBCF Bank CEO Summit Jackson, Mississippi March 1st and 2nd, 2022 Michelle Bowman Governor Federal Reserve Board Michelle W. Bowman has been serving as a member of the Board of Governors of the Federal Reserve System since Nov. 26, 2018. Initially appointed to fill the remainder of an unexpired term, in January 2020 she was reappointed and sworn in for a full 14 year term ending Jan. 31, 2034. Prior to her Board appointment, Bowman served as the Kansas state bank commissioner from January 2017 to November 2018, before which she was vice president of Farmers & Drovers Bank in Kansas from 2010 to 2017. Additional past experience included service in the Washington, D.C., office of Sen. Bob Dole of Kansas, as a counsel to the U.S. House Committee on Transportation and Infrastructure and the Committee on Government Reform and Oversight, as a director at the Federal Emergency Management Agency, and in capacity as a deputy assistant secretary and policy adviser to Homeland Security Secretary Tom Ridge.

Following her time in Washington, Bowman led a government and public affairs consultancy in London before returning to Kansas in 2010. She earned a bachelor’s degree from the University of Kansas and a JD from the Washburn University School of Law; Bowman is a member of the New York State Bar. Philip Gunn Speaker of the House State of Mississippi Philip Gunn began serving in the Mississippi House of Representatives in 2004. On January 3, 2012, he became the 61st Speaker of the House of Representatives in Mississippi. This is the first time in 136 years a Republican has held this title in the Mississippi House of Representatives. Speaker Gunn credits his ability to reach across the aisle to his time spent at Baylor. While earning his B.B.A., Gunn met students from every state in the nation and from countries around the world. Being exposed to this diversity set the foundation for Gunn’s career. His time in the legislature has proven he is a leader not only in the House of Representatives, but also throughout the entire state. As a result through the years, he has served on the Executive Committee of the Mississippi Republican Party and has served as Chairman of the Republican House Conference since it was formed in 2006. Gunn was

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DBCF Bank CEO Summit Jackson, Mississippi March 1st and 2nd, 2022 Michelle Bowman Governor Federal Reserve Board Michelle W. Bowman has been serving as a member of the Board of Governors of the Federal Reserve System since Nov. 26, 2018. Initially appointed to fill the remainder of an unexpired term, in January 2020 she was reappointed and sworn in for a full 14 year term ending Jan. 31, 2034. Prior to her Board appointment, Bowman served as the Kansas state bank commissioner from January 2017 to November 2018, before which she was vice president of Farmers & Drovers Bank in Kansas from 2010 to 2017. Additional past experience included service in the Washington, D.C., office of Sen. Bob Dole of Kansas, as a counsel to the U.S. House Committee on Transportation and Infrastructure and the Committee on Government Reform and Oversight, as a director at the Federal Emergency Management Agency, and in capacity as a deputy assistant secretary and policy adviser to Homeland Security Secretary Tom Ridge.

Following her time in Washington, Bowman led a government and public affairs consultancy in London before returning to Kansas in 2010. She earned a bachelor’s degree from the University of Kansas and a JD from the Washburn University School of Law; Bowman is a member of the New York State Bar. Philip Gunn Speaker of the House State of Mississippi Philip Gunn began serving in the Mississippi House of Representatives in 2004. On January 3, 2012, he became the 61st Speaker of the House of Representatives in Mississippi. This is the first time in 136 years a Republican has held this title in the Mississippi House of Representatives. Speaker Gunn credits his ability to reach across the aisle to his time spent at Baylor. While earning his B.B.A., Gunn met students from every state in the nation and from countries around the world. Being exposed to this diversity set the foundation for Gunn’s career. His time in the legislature has proven he is a leader not only in the House of Representatives, but also throughout the entire state. As a result through the years, he has served on the Executive Committee of the Mississippi Republican Party and has served as Chairman of the Republican House Conference since it was formed in 2006. Gunn was

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instrumental in organizing the Republicans in the House of Representatives for the first time in modern history. Gunn’s biggest reward from attending Baylor has been his wife Lisa, whom he met at school. The experiences they shared, and the memories they made have bonded them in a special way. The Gunns have been married for over 30 years and are the proud parents of Meredith, Alex, Andrew and John David. They have two grandsons, Axel Elias Gunn and Aiden Emerson Gunn. They live in Clinton, Miss. After graduating from Baylor, Gunn earned a J.D. from The University of Mississippi Law School, where he was elected Student Body President.

He is an attorney at Wells, Marble, Hurst PLLC in Ridgeland, Miss. In 2010, Gunn was named “One of Mississippi’s Top 50 Leading Attorneys” in the Mississippi Business Journal’s Leadership in Law Class of 2010. In 2012, Gunn received the State Legislative Achievement Award from the U.S. Chamber Institute for Legal Reform as a result of the Attorney General “Sunshine” Act being passed during the 2012 Legislative Session. Gunn is actively involved in his community. He is a current member of the Clinton Chamber of Commerce. Before being elected to the House of Representatives, he served on the Clinton Public School Board. He is a former Elder at Morrison Heights Baptist Church in Clinton and former Chairman of the Southern Baptist Theological Seminary Board of Trustees in Louisville, Ky. Eric Haar Director of Government and Industry Relations Federal Home Loan Bank, Dallas Since 2016, Eric Haar has served as Director of Government and Industry Relations for the Federal Home Loan Bank of Dallas. Mr. Haar is responsible for the bank’s legislative and regulatory initiatives, as well as the bank’s outreach to various stakeholder groups. Mr. Haar served in a similar capacity for 10 years at the Federal Home Loan Bank of Topeka. Mr. Haar holds a BA from Taylor University in Upland, Indiana as well as an MBA from Indiana University’s campus at Fort Wayne. Mr. Haar is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University. Mr. Haar frequently speaks to audiences on the topics of banking and housing. He is also a Rotarian, a Junior Achievement classroom volunteer, a meal server at the Dallas Men’s Gospel Mission, and a member of the Tarrant County Bankers Association board of directors.

Delbert Hosemann Lieutenant Governor State of Mississippi Elected in November 2019 with more than 60 percent of the vote, the Honorable Delbert Hosemann is serving as Mississippi’s 33rd Lieutenant Governor. He previously served as Secretary of State. Lt. Governor Hosemann is committed to serving the public with open and fair government. He advocates for increasing State government transparency, growing small businesses, shoring up Mississippi’s roads and bridges, providing better access to healthcare, and ensuring every child receives a high-quality education. As the President of the 52-member State Senate, he remains committed to making Mississippi an even better place for our children and grandchildren. Beginning his tenure amidst the global Covid-19 pandemic, the Mississippi

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Legislature appropriated $1.25 billion in federal relief funds to purchase personal protective equipment, create a small business grant program, expand broadband to rural communities, and increase ICU-bed capacity. The Legislature limited liability for businesses and healthcare entities related to Covid-19 exposure. Under his leadership, the Senate has consolidated workforce development efforts, increased training opportunities for high-skill jobs, and retooled economic development incentives to be competitive and performance-based. In two years, the Legislature has doubled its investment in pre-K, raised teacher pay, increased funding for classroom supplies, and provided every student with a computer or tablet. Raised in Warren County, Mississippi, Lt. Governor Hosemann comes to the position with substantial experience in the private sector as a businessman and tax lawyer. He is a former partner of Phelps Dunbar, LLP. He received his undergraduate degree in Business from the University of Notre Dame, a law degree from the University of Mississippi, and a Master of Laws in Taxation from New York University. Prior to attending law school, Lt. Governor Hosemann served his country in the United States Army Reserve. Lt. Governor Hosemann’s tenure as Secretary of State was marked by several major accomplishments including requiring 16th Section land, a revenue source for public schools, to be leased for fair value. By the end of his third term, the Office raised more than $1 billion for public education. He was also instrumental in acquiring over 20,000 acres of now public land.

Sam Hubbard Deputy Commissioner Department of Banking and Consumer Finance Sam Hubbard is the Deputy Commissioner and has worked for the Department of Banking and Consumer Finance (DBCF) for over 32 years. He served as a Bank Examiner for 25 years, including two as Chief Examiner. From 2015 to 2021, he has served as the Director of the Banking Division and oversaw all Banking and Credit Union operations.

Mr. Hubbard grew up in Jackson, Mississippi. He attended Millsaps College and the University of Mississippi, where he graduated in 1989 with a degree in business. In 1990 he began his career with the DBCF as an Examiner Trainee.

The major role of the DBCF is to ensure the safety and soundness of Mississippi state chartered financial institutions. As Deputy Commissioner, Mr. Hubbard is responsible for directing all activities of the DBCF. These activities include maintaining communication with all regulated industries (banking, consumer, mortgage), assuring the examination process is carried out in a proper and timely manner, recommending legislative changes, helping to formulate policies, reviewing budgetary activity, maintaining a strong staff through hiring and promotions, and representing the DBCF at various meetings and conferences.

Mr. Hubbard is a graduate of the School of Banking at Louisiana State University. He has received certifications from Conference of State Bank Supervisor (CSBS) as a Certified Operations Examiner, Certified Credit Examiner, Certified Examiner in Charge, and a Certified

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Examiner Manager. Also, he has received a Certification of Supervisory Management from the State of Mississippi. He resides in Madison.

Rhoshunda Kelly Commissioner Department of Banking and Consumer Finance Governor Reeves appointed Rhoshunda Kelly as Commissioner March 22, 2021. Rhoshunda has over 20 years of experience as a bank regulator. She began her career as a bank examiner after graduating from Mississippi State University with a degree in Business and a concentration in Banking and Finance. She was a field examiner from 2001 to 2011. As a field examiner, she assessed the safety and soundness of Mississippi state-chartered banks. In 2012 she became a review examiner and was promoted to the Director of Bank Supervision in 2013. She was appointed Deputy Commissioner in 2014 and was responsible for supervisory oversight of the banking, mortgage, consumer finance, administration, legal and information technology divisions. In this capacity, she also ensured effective coordination between the state and federal regulators and fostered engagement with regulated industries. Rhoshunda is a graduate of the School of Banking at Louisiana State University where she is currently a faculty member.

She is also an honor graduate of the American Bankers Association Graduate Trust School. Mrs. Kelly is a Certified Public Manager and a Certified Examinations Manager. She was named a 2019 Leader in Finance by Mississippi Business Journal. Mrs. Kelly is active in the Conference of State Bank Supervisors (CSBS), serving on the Board of Directors, as well as several other organizational committees, including immediate past chairman of the southeastern district of state bank regulators.

Etay Maor Senior Director, Security Strategy Cato Networks Etay Maor is the Sr. Director Security Strategy at Cato Networks and an industry recognized cyber security researcher and keynote speaker. Previously, Etay was the Chief Security Officer for IntSights where he led strategic cybersecurity research and security services. Before that Etay held numerous leadership and research positions as an Executive Security Advisor at IBM where he created and led breach response training and security research and as Head of RSA Security’s Cyber Threats Research Labs where he managed malware research and intelligence teams and was part of cutting edge security research and operations. Etay is an adjunct professor at Boston College and holds a BA in Computer Science and a MA in Counter Terrorism and Cyber Terrorism. Etay is a frequent featured speaker at major industry conferences and is part of RSA Conference and QuBits conference committees. He is often tapped by major news outlets for his astute commentary on and insights into the cybersecurity news of the day.

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Tate Reeves Governor State of Mississippi As the 65th Governor of Mississippi, Tate Reeves is a conservative leader who has focused on the principles of guarding taxpayers’ dollars, improving educational opportunity, and growing new careers so that the state’s best and brightest can stay and raise their families at home.

Gov. Reeves served as State Treasurer and Lieutenant Governor, applying his financial training in the investments business to be the state’s foremost advocate for balancing the state budget while minimizing state debt. He successfully passed the largest tax cut in Mississippi’s history to encourage more private investment and job growth. Gov. Reeves is a Rankin County native and a graduate of Florence High School. He is an honors graduate of Millsaps College and holds a bachelor’s degree in economics. He and his wife, Elee, are the proud parents of three daughters, Tyler, Emma and Madeline. The Reeves family attends Galloway Memorial United Methodist Church.

John Ryan President & CEO Conference of State Bank Supervisors John Ryan is the president and chief executive officer of the Conference of State Bank Supervisors, the national organization of financial regulators from all 50 states and U.S. territories. Since becoming president and CEO in 2011, Mr. Ryan has provided strategic leadership in advancing the system of state financial supervision. Mr. Ryan previously served as CSBS’s Executive Vice President, and Assistant Vice President of Legislative Affairs. Mr. Ryan also led the financial services consulting practice at a public affairs firm, and worked on the U.S. House Banking, Finance and Urban Affairs committee. He has a B.A. in political science and economics from the University of California at Berkeley.

Perry Anne Thimmes Director, Banking Division Department of Banking and Consumer Finance Perry Anne Thimmes has worked for the Department of Banking and Consumer Finance (DBCF) for over 22 years. She served as a field bank examiner for 10 years, before moving into the office full time serving in several roles. Prior to becoming Director, Banking Division, she was the Supervisor of Examinations from 2017.

Perry Anne grew up in Grenada, Mississippi. She attended Delta State University, where she graduated in 3.5 years with a degree in Business and a minor in Management Information Systems. In 2000, she began her career with the DBCF as an Examiner Trainee. She is a graduate of the School of Banking at Louisiana State University.

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During her time, she has been involved in a wide range of aspects of the Banking Division. As Director, Perry Anne is responsible for overseeing all activities of bank and credit union supervision. These activities include ensuring effective coordination between state and federal regulators, maintaining communication with bank and credit union management, guaranteeing the examination process is performed in a proper and timely manner, recommending legislative changes, helping formulate policies, reviewing budgetary activities, maintaining a strong staff through hiring and promotions, and representing the DBCF at various meetings and conferences. Perry Anne resides in Madison, with her husband and three boys.

Greyson Tuck Attorney and Consultant Gerrish Smith Tuck, PC Mr. Tuck is a member of the Board of Directors of both the Memphis based law firm of Gerrish Smith Tuck, PC, Attorneys and Gerrish Smith Tuck, Consultants, LLC. These two firms have assisted numerous community banks in virtually every state across the nation. Mr. Tuck’s legal and consulting practice places special emphasis on community bank holding company formation and use, community bank mergers and acquisitions, regulatory matters, corporate reorganizations, corporate taxation, general corporate law and community bank strategic planning. Mr. Tuck comes from a community banking family. He is a graduate of the University of Tennessee, where he majored in Accounting and Finance, and received his law degree from the University of Memphis Cecil C. Humphreys School of Law, where he was a Herff Scholar. Mr. Tuck is a graduate of the Paul W. Barret, Jr. School of Banking and currently serves as a faculty member at a number of banking schools across the country. He is a frequent presenter at national and state bank association conferences and has authored a number of articles of interest to financial institutions. Mr. Tuck is a member of the Tennessee Bar Association and an active participant in the Memphis Bar Association. Mr. Tuck can be contacted at gtuck@gerrish.com or (901) 767-0900. Gerrish Smith Tuck Consultants, LLC and Gerrish Smith Tuck, PC, Attorneys offer consulting, financial advisory and legal services to community banks nationwide in the following areas: strategic planning; mergers and acquisitions, both financial analysis and legal services; addressing and complying with the regulatory requirements, particularly involving troubled banks, memoranda of understanding, cease and desist orders, consent orders and compliance; structuring and formation of bank holding companies; capital planning; employee stock ownership plans, leveraged ESOPs, KSOPs and incentive compensation packages; directors and officers liability; new bank formations; S corporation elections; and public and private securities offerings.

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Bank Resources

Mississippi Department of Banking and Consumer Finance Bank CEO Summit

Bank Resources

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March 2022 Commissioner, Rhoshunda Kelly

The Examiner Tips, Tools, & Insight from the Field

\ SAFETY & SOUNDNESS HOT TOPICS Asset Quality Ensure compliance with written Loan Policy/Procedures.

Credit memorandums should be completed on loans above Board approved thresholds.  Current financials should be obtained at origination and updated on an ongoing basis.  An appropriate ALLL/ACL level should be maintained given borrowers and industries effected by the pandemic.  Proper accounting practices should be followed regarding NonAccrual Loans.  Board and management should be prepared for CECL implementation.  Board and management should recognize and mitigate exposure to the Express Grain Bankruptcy.

Management  Ensure effective Succession Planning for the Board and management.  Strategic Plans need measurable goals.  The pandemic continues to strain management from a staffing perspective.  Mergers and Acquisitions are on the rise and exacerbated by excess liquidity levels and government stimulus, as well as the Emergency Capital Investment Program (ECIP).

Earnings  Earnings are inflated with non-recurring government stimulus (CDFI RRP Grant), masking compression.  Banks are lowering overdraft fees significantly due to regulatory pressure from CFPB, trickling down to community banks and could change earnings streams going forward.  

BSA/AML HOT TOPICS 

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2021 Violations of Laws and Regulations (Most Cited)

Ensure suspicious activity monitoring efforts encompass applicable risk areas such as monetary instruments, wire transfers, remote deposit capture, etc.

SARs should contain all relevant information and completion errors and incomplete narratives should be avoided.

Decisions not to file SARs should be properly documented and should include sufficient explanation as to why activity is not suspicious.

Customer Due Diligence for high-risk customers should provide a summary of the activity reviewed and whether the activity is commensurate with anticipated activity.

Ensure for adequate BSA staffing and succession.

Risk assessments should identify all applicable risk areas.

Policies & Procedures should be reflective of actual practices.

BSA Violations

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IT/CYBER HOT TOPICS    

Appraisal Violations

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Ensure for adequate patch and vulnerability management.

Ensure for proper cloud computing governance.

Air gapped/offline backup processes should be improved.

Management should remain on high alert for cyber security threats.

Management should discuss cryptocurrencies and associated risks.

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FRB Regulation O Overdrafts (State Law) Holding Other Real Estate (State Law)

March 2022 Commissioner, Rhoshunda Kelly

The Examiner Tips, Tools, & Insight from the Field

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Top 10 Large Banks in Mississippi 12-31-2021 3% 4%

1% 1% 1%

Cadence Bank ($47,666MM) Hancock Whitney Bank ($36,520MM) Trustmark National Bank ($17,593MM)

5%

34%

Renasant Bank ($16,793MM)

12%

*The First Bank (6,066,913MM) BankPlus ($5,187M)

13%

Community Bank ($4,445MM)

26%

BankFirst ($1,819MM) Planters Bank ($1,764MM) Citizens National Bank ($1,764MM)

*State Charter as of Janaury 15, 2022.

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LARGE BANK HOT TOPICS

Large bank sectors with the most risk and warrant the most attention:      

Targeted Commercial Real Estate, Construction & Development, and focused credit reviews are currently of utmost concern.

Management should ensure for strong Data Governance and Data Integrity practices are in place for quality reporting purposes.

An appropriate and ever evolving Enterprise Risk Management (ERM) program should be in place.

A robust Model Risk Management (MRM) program is expected.

Corporate Planning should include adequate capital planning, strategic and succession planning, mergers and acquisitions planning, and budgeting and forecasting planning.

The Board and management should ensure for an Internal Audit program commensurate with the institutions risk profile.

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Mississippi Department of Banking and Consumer Finance MS BANKING OPERATIONS As of December 31, 2021, DBCF banking assets under supervision total over $141 billion, ranking Mississippi 14th nationwide in total assets under supervision. The DBCF currently supervises 58 banks which includes three large banks (Cadence Bank, Hancock Whitney Bank, and Renasant Bank) with total assets exceeding $10 billion each.

Bank Asset Growth 2021Q4*

$140,537,332

2020Q4 2019Q4 2018Q4 2017Q4 2016Q4 2015Q4

$102,545,273 $90,606,695 $83,484,620 $76,206,322 $71,397,740 $67,285,005

*2021Q4 includes The First Bank, Hattiesburg, Assets.

Mississippi Banking Assets Approximately 81 percent of all banking assets in Mississippi reside in state-chartered banks.

10 Banks, 19% of TA

Mississippi National Chartered Bank Assets Mississippi State Chartered Bank Assets

58 Banks, 81% of TA

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March 2022

MISSISSIPPI BANKING FOOTPRINT Mississippi’s banking footprint extends well beyond the borders of our state. Mississippi banks have branches in eight other states in the southeast.

*Chart as of June 30, 2021.

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Yellow Dots – branches of banks chartered by the State of Mississippi Black Dots – branches of banks chartered by the Office of the Comptroller of the Currency

Recent Mergers, Acquisitions and Conversions In April 2021, BancorpSouth Bank closed mergers with National United (Gatesville, TX) and FNB Bank (Scottsboro, AL), which had total assets of $752 million and $796 million, respectively. Effective October 29, 2021, BancorpSouth Bank acquired Cadence Bank. The combined institutions name is Cadence Bank, and the merger resulted in total assets of approximately $46 billion. Other state-chartered acquisitions include BankFirst, BankPlus, and Planters Bank. These mergers result in additional assets under supervision totaling $1.9 billion and will include banks located in Alabama, Louisiana, and Tennessee. Since 2017, the DBCF has added approximately $28 billion in total State chartered assets because of mergers and acquisitions.

Furthermore, over the past five years, the agency has seen an increase in conversion applications from nationally chartered banks seeking a state charter. Effective June 1, 2021, FNB Picayune Bank converted from a National to a State Charter. Additionally, as of January 15, 2022, the agency completed a conversion of The First Bank, Hattiesburg which results in an additional $6 billion in assets under supervision.

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March 2022

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March 2022 Commissioner, Rhoshunda Kelly

The Examiner Tips, Tools, & Insight from the Field

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AGENCY CONTACTS: Rhoshunda Kelly, Commissioner rhoshunda.kelly@dbcf.ms.gov (601) 321-6906 Sam Hubbard, Deputy Commissioner sam.hubbard@dbcf.ms.gov (601) 321-6908 Perry Anne Thimmes, Director, Banking Division perryanne.thimmes@dbcf.ms.gov (601) 321-6909 Erik Smith, Supervisor of Examinations erik.smith@dbcf.ms.gov (601) 321-6910

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Speaker Presentations

Speaker Presentations

Mississippi Department of Banking and Consumer Finance Bank CEO Summit

Thinking Like A Cybercriminal Etay Maor

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Hi • Some History • • • •

Sr. Director Security Strategy, Cato Networks Chief Security Officer, IntSights Executive Security Advisor, IBM/Trusteer Head of Cyberthreats Research Lab, RSA Security

• Adj. Prof. for Cybersecurity, Boston College • Started my career in high-school… not in a good way

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Before We Start…

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The Single Point Of Failure Fallacy

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Myth: The attacker needs to be right just once, the defender needs to be right all the time!

You are here! |6

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More Security Products Means Better Security

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The Three Principals Of Zero Trust • Never trust – Always Verify

• But we have been with them for years…

• Least privilege access • So VPN, right?!

• Assume breach

• What is assume breach?

• Pen testers • Red team • Threat hunters

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Evading Detection

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ding Anti-Evviarudsing Anti-virus

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EvadEinvgad Ainntgi-vAinrutis-virus

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Beating Device ID ng DeviOld-school ce ID Style

hool Style

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evice ID BeatinBgeDaetvinicgeDID As a Service As a Service

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ng AnomBaelyaD tin etgeActnion maly Detection

slow_fill = function(id, slow_fill text)= function(id, text) { { var i=1; var i=1; beepInput(id); beepInput(id); var thread=setInterval( var thread=setInterval( function() { function() { id.value=text.substr(0,i); id.value=text.substr(0,i); i++; i++; if (i==text.length+1) if (i==text.length+1) { { clearInterval(thread); clearInterval(thread); deleteHelpMessage(); deleteHelpMessage(); } } } } , 200); , 200); } }

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DefeatinDge2feFAating 2FA

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DefeaDtienfge2aFtiAng 2FA

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ting 2FADefeating 2FA

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So, What Are We Missing?

So, What Are We Missing?

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OSINT

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What Can You Google?

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What Can You Google?

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GitHub Search

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e OSINTSimple OSINT

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e OSINTSimple OSINT

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e OSINTSimple OSINT

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e OSINTSimple OSINT

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Simple OSINT Simple OSINT

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Myth: threat actors use sophisticated tools threat actors use sophisticated tools

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OSINT LIVE DEMO

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Social Engineering

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Robin SM ageeet Robin Sage

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Robin SageRobin Sage

Cyber Threats Analyst Cyber at Threats the Analyst at the Naval Network Warfare Command Naval Network Warfare Command

Norfolk,Analyst CT │ Cyber Threats Analyst Norfolk, CT │ Cyber Threats Current

Current Warfare Naval Network Warfare Command Naval Network Command

Age

25 years Age old

Education

Education Massachusetts Institute Massachusetts of TechnologyInstitute of Technology

Connect

SendConnect InMail

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25 years old

Send InMail

300+

connections

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conne

It ’s NOT Theoretical It ’s NOT Theoretical

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My LiM nkyedLiInnkedIn

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My LM inykeLdinInkedIn

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nkedIn

My LinkedIn

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My LinkedIn My LinkedIn

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My LM inykeLdinInkedIn

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My M LinykLeidnIknedIn

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My LinkedIn

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Can You Spot The Fake Face

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For Sale

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r Sale For Sale

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For Sale

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For SaleFor Sale

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For Sale

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For Sale

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For SaFloer Sale

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TRAVEL THREATS LIVE DEMO

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Security Tips

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Why Is This Myth Wrong?

Source: Two weeks with a Russian Ransomware cell / Brook Chelmo

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Why Is This Myth Wrong?

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ng PasSsw ecourrdisn… g PDausrsiw ngorAdSs… iteDVuirsint g A Site Visit

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ng PassSweocrudrsin…gDPuarsisnwgoArdSsi… te DVuisriitng A Site Visit

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Thank You! Questions?

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2020 Election Recap, 2022 Election Preview, Legislative Insights Eric Haar 58

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2020 Presidential Election Results

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Electoral College Map

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Electoral College Map – Swing States

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Swing State Margins of Victory for Biden Arizona: 0.3%

Georgia: 0.2%

Pennsylvania: 1.2%

Wisconsin: 0.7%

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Recent Presidential Election Results

2016: Trump 306, Clinton 232

2012: Obama 332, Romney 206

2008: Obama 364, McCain 174

2004: Bush 286, Kerry 251 64

House Results: Democrats Retained Their Majority • 222 Democrats – 213 Republicans • But Democrats lost 11 seats

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In 50 “Swing Districts” Republicans Held or Gained 33 Seats; Democrats Held or Gained 17

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U.S. Senate: 100 Senators, Each Serves a 6-Year Term • 1/3 of Senate seats on the ballot every two year • Examples:

2016

2018

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2020 Senate Results • Democrats netted three seats • New balance of power 50-50; but VP Harris breaks the tie

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January 5, 2021: Georgia Senate Runoff Races Raphael Warnock (D) defeated Kelly Loeffler (R) 51% 49%

Jon Ossoff (D) defeated David Perdue (R) 50.6% 49.4%

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Where Republican Defenses Prevailed

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The New Senate Power Brokers

• Manchin (D-WV) and Sinema (D-AZ)

• Collins (R-ME), Murkowski (R-AK) and Romney (R-UT)

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Election Takeaways: Voter Turnout • Highest since 1900

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Importance of This Election

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Inaccurate Polling • Polls showed Biden leading by 7.2% • He won by 4.4% • Similar polling in many congressional races

Biden Trump

Spread

Polling Average

51.2

44

7.2

Final Result

51.4

47

4.4

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Polling Case Study: U.S. Senate Race in Maine Final Result

Susan Collins (R)

Sarah Gideon (D)

Polling

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Exit Polling: Importance of Issues by Party

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A Split Electorate

• Ninth consecutive presidential election decided by single digits • 50-50 Senate • Nine-seat Democratic majority in the House • Democrats must moderate to pass legislation, win in 2022 and 2024 • Republicans must reckon with Trump’s legacy

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2022 Election Preview

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Congressional Reapportionment Some states gained/lost significant population = Some states have gained/lost House seats • Gained o+2 seats: Texas o+1 seat: Colorado, Florida, Montana, North Carolina, Oregon • Lost (-1 seat) oCalifornia, Illinois, Michigan, Ohio, New York, Pennsylvania, West Virginia

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Congressional Redistricting • 38 states have completed redistricting as of 2/9 • Change from old map: +8 Democratic-leaning seats

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Congressional Redistricting: Mississippi

2012-2022

2022-2032 81

House Seats Gained/Lost by President’s Party in Midterm Elections

The President’s party usually loses seats in midterm elections 82

2022 Senate Map • Four swing state Republicans, four swing state Democrats

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But Five Senate Republicans Are Retiring • And three are from swing states • Only one Senate Democrat is retiring

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36 Governors Races in 2022 – 10 Are Competitive

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2024 Senate Map: Multiple Swing-State Democrats on the Ballot + GOP Florida

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Legislative and Regulatory Environment

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Democratic Priorities • Biden and Harris • Build Back Better, COVID, changes to voting laws, social justice • Schumer and Pelosi • Set the tone, control the agenda, schedule votes • Chairs Brown and Waters • Housing • Oversight hearings • Diversity, climate, consumers, Wall Street, crypto 88

Infrastructure • $1.2T infrastructure bill is now law –Roads, bridges, ports, rail, broadband, drinking water • Passed the Senate 69-30 • Passed the House 228-206 –Six Democrats voted against –13 Republicans voted in favor

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Build Back Better • Spring 2021: $3.5T White House proposal • Fall 2021: $2.1T House-passed version –Climate, healthcare, education, family leave, child tax credits • Senate version: $1.8T –Senator Joe Manchin (D-WV) did not support ˃ Concerns about inflation, 3- and 5-year expiration dates • TBD alternative –$550B Manchin-led bill ˃ Climate, health care, pre-K, deficit reduction

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Tailwinds for Bankers • PPP goodwill • Federal infrastructure spending = local infrastructure lending • Federal spending on housing • Rising interest rates • Cannabis banking • Congressional scrutiny of fintechs

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Headwinds • Higher taxes • Scrutiny of bank mergers • IRS reporting proposal • Diversity mandates: hiring, promotions, board composition, lending • Climate change –Balance sheet exposure = reporting requirements –Hold more capital against carbon assets?

–Your bank’s operations must be carbon-neutral?

–Halt fossil fuel lending?

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Headwinds cont’ • Postal banking • End to overdraft fees • Interest rate caps • Aggressive fintechs • SBA direct lending (under $150K) • SBA 1071 reporting –HMDA-like reporting

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Changes at Fannie and Freddie • Include rental payment history in credit decisions • Ended 50 bps “Adverse Market Fee” on refis • Conforming Loan Limit from $550K to $650K • Low-income purchase goal from 24% to 28% • Repossessed homes sold to owner-occupiers, rather than investors • Less emphasis on building capital • No move to remove Fannie/Freddie from conservatorship

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Four Stand-Alone FHLBank Bills • Open membership to mortgage banks and REITs (Hollingsworth R-IN) –Separate calls for fintechs to join the FHLBanks • Require FHLBanks to consider diverse board candidates (Beatty D-OH) • Raise CFI threshold to $10B; Allow credit unions to pledge CFI collateral (Gonzalez D-TX and Fitzpatrick R-PA) • Increase AHP contribution from 10% to 15% (Cortez Masto D-NV)

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Questions and Comments

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Dusting Off the Crystal Ball – Community Banking in 2042 Presented by: Greyson E. Tuck Gerrish Smith Tuck, Consultants & Attorneys Presented at the: Mississippi Department of Banking and Consumer Finance DBCF CEO Bank Summit March 2, 2022 Gerrish Smith Tuck

Consultants and Attorneys Telephone (901)-767-0900 www.gerrish.com

gtuck@gerrish.com

Overview • Past – Don’t Dwell on It, but Learn From It • Present – Unique and Evolving Environment 1) Significant Impact of Pandemic 2) Rapid Evolution and Change

• Future – Significant Possibilities for Those Willing to Leave Their Comfort Zone

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Looking Back on March 2, 2002 • 8,005 FDIC-Insured Banks (Currently ~4,900) • ~$6.5 Trillion Total Assets in FDIC-Insured Banks (Currently ~$23.25 Trillion) • 97 New FDIC-Insured Institutions in 2002 (seven for 2021) • Friendster was the hot as fire online social network (3,000,000 users) • Blockbuster Video was a $5.5 Billion behemoth • Apple recently introduced iPod and iTunes • Ole Miss won the 99th Edition of the Egg Bowl 24-12

The Current Community Banking Environment • Significant Asset Growth Resulting in Strained Capital Ratios • Hypercompetitive Lending Environment • Expectation of Interest Rate Increase • Excess Liquidity With Limited Investment Opportunities • Asset Quality Has Held Strong, and Central Question is Whether That Will Hold • Technology is a Non-Negotiable • Workforce Possibilities and Preferences are Changing • M&A is on Everyone’s Mind • Relevance is the New Independence

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Community Banking on March 2, 2042 Key Predictions • ~2,700 Government Regulated Banks and Thrifts ~2,000 Government Regulated Financial Services Providers ~4,000 Credit Unions (Which Will Still Earn Tax-Free) • Government Issued Digital Currency • Physical Bank Branches Will be “Experience Centers” or Expensive Billboards • Digital Bank Branches Will be Established in the Metaverse • “Community Banking” Will Not be Geography Based • Super Computers and Advanced Artificial Intelligence Will Create Illusion of Personal Relationships • Significant Transition of Ownership Due to Aging Shareholder Base

What Are Community Banks To Do? 1. Earn the Right to Control Your Destiny 2. Engage in Effective Strategic Planning 3. Recognize the Necessity of Appropriate Technology Investments and Utilization 4. Determine Your Community, and Avoid Basing Solely on Geography 5. Understand the Perception of Corporate Citizenship and Social Issues

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Earn the Right to Control Your Destiny Fundamental Obligation to Enhance Shareholder Value: 1) 2) 3) 4) 5)

Earnings Per Share Growth Appropriate Return on Equity Common Stock Liquidity Dividends or “Dividend Equivalent” Distributions Maintenance of Satisfactory Regulatory Relations

Engage in Effective Strategic Planning • Identifying and Actively Pursuing Strategic Direction Must Be a Top Corporate Priority • Job Number One is to Remain Relevant • Strategic Planning Process • Written Report, Action Plan and Systematic Follow-Up is of Critical Importance

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Recognize the Necessity of Appropriate Technology Investments and Utilization • Technology is Heavily Influencing Every Aspect of Life, Including Community Banking, and That Will Not Change • Technology Presents Risks and Opportunities • Community Banks Struggle to Determine Appropriate Technological Investments • Offer Required Products and Services to All Customers, and Utilize Them to Supplement Personal Relationships for Some Customers • New Technologies Require New Ways of Thinking (and Recognize that Old Habits Die Hard!)

Determine Your Community, and Avoid Basing Solely on Geography • Geography is No Longer a Protection or Inhibition to Provision of Financial Services • The Concept of Communities is Changing • Geography Will Continue to Become Less Important in Defining a Community • Develop and Specifically Pursue Your Niche, and Be Cognizant that Geography Should Not Be a Driving Factor • Don’t Comply Your Bank to Irrelevance

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Understand the Perception of Corporate Citizenship and Social Issues • “Social Considerations” are a Current Hot Topic in Corporate Governance – Climate Impact – Racial, Gender and Similar Equality – Mandatory Board and Officer Diversity

• Many Individuals, Particularly Younger Ones, Are Judging Businesses Based on Corporate Responsibility • Promote Your Story as a Model Corporate Citizen

Conclusion • Community Banking is Experiencing Rapid Change • Passivity Will Almost Certainly Lead to Irrelevance • Actively Plan to Evolve and Achieve Continued Relevance

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Dusting Off the Crystal Ball – Community Banking in 2042 Presented by: Greyson E. Tuck Gerrish Smith Tuck, Consultants & Attorneys Presented at the: Mississippi Department of Banking and Consumer Finance DBCF CEO Bank Summit March 2, 2022 Gerrish Smith Tuck

Consultants and Attorneys Telephone (901)-767-0900 www.gerrish.com

gtuck@gerrish.com

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7

DBCF Banking Supervision Staff

DBCF Banking Supervisor Staff

Mississippi Department of Banking and Consumer Finance Bank CEO Summit

DBCF BANKING SUPERVISION STAFF:

Name

Email

Title

Residence

Specialty

Perry Anne Thimmes

PerryAnne.Thimmes@dbcf.ms.gov

Flora

Management

Paul Lion

Paul.Lion@dbcf.ms.gov

Director, Banking Division Field Supervisor

Pass Christian

Large Banks

Nicky Shelton

Nicky.Shelton@dbcf.ms.gov

Field Supervisor

Olive Branch

Large Banks

Roger Sinclair

Roger.Sinclair@dbcf.ms.gov

Field Supervisor

Brandon

Large Banks

Erik Smith

Erik.Smith@dbcf.ms.gov

Brandon

Mark Hudson

Mark.Hudson@dbcf.ms.gov

New Orleans

Report Review Large Banks

Matt Mitchell

Matt.Mitchell@dbcf.ms.gov

Madison

Trust

Ashley Sims

Ashley.Sims@dbcf.ms.gov

Ridgeland

Trust

Michael Sullivan

Michael.Sullivan@dbcf.ms.gov

Laurel

Bill Ashley

Bill.Ashley@dbcf.ms.gov

Supervisor of Examinations Supervisory Examiner Supervisory Examiner Supervisory Examiner Supervisory Examiner Examiner V

Natchez

Credit Unions IT

Ben Cayson

Ben.Cayson@dbcf.ms.gov

Examiner V

Kosciusko

Trust

Jeff Cox

Jeff.Cox@dbcf.ms.gov

Examiner V

Hernando

Large Banks

Barbara Donald

Barbara.Donald@dbcf.ms.gov

Examiner V

Long Beach

BSA

Ann Herring

Ann.Herring@dbcf.ms.gov

Examiner V

Greenwood

Reed Jones

Reed.Jones@dbcf.ms.gov

Examiner V

Starkville

Problem Banks Large Banks

Steve Lawrence

Steve.Lawrence@dbcf.ms.gov

Examiner V

Kosciusko

BSA

Heather McGuire

Heather.McGuire@dbcf.ms.gov

Examiner V

Madison

Training

Alison Wiggers

Alison.Wiggers@dbcf.ms.gov

Examiner V

Jackson

Trust

Don Williams

Don.Willliams@dbcf.ms.gov

Examiner V

Brandon

Large Banks

Matt Akins

Matt.Akins@dbcf.ms.gov

Examiner IV

Oxford

Large Banks

Justin Babbitt

Justin.Babbitt@dbcf.ms.gov

Examiner IV

Saltillo

Paul Buchanan

Paul.Buchanan@dbcf.ms.gov

Examiner IV

Gulfport

Justin Cheaves

Justin.Cheaves@dbcf.ms.gov

Examiner IV

Corinth

Community Banks Community Banks BSA

1

DBCF BANKING SUPERVISION STAFF:

Name

Email

Title

Residence

Specialty

Cody King

Cody.King@dbcf.ms.gov

Examiner IV

Taylor

Large Banks

Kent Savage

Kent.Savage@dbcf.ms.gov

Examiner IV

Greenwood

IT

Michael Sisco

Michael.Sisco@dbcf.ms.gov

Examiner IV

Flora

Robert Skrmetta

Robert.Skrmetta@dbcf.ms.gov

Examiner IV

Gulfport

Anna Strider

Anna.Strider@dbcf.ms.gov

Examiner IV

Brandon

Andrew Alexander

Andrew.Alexander@dbcf.ms.gov

Examiner III

Madison

Capital Markets Community Banks Community Banks Trust

Bryan Burton

Bryan.Burton@dbcf.ms.gov

Examiner III

Louisville

Matt Clark

Matt.Clark@dbcf.ms.gov

Examiner III

Brandon

James Craig

James.Craig@dbcf.ms.gov

Examiner III

Madison

Paul Dowdle

Paul.Dowdle@dbcf.ms.gov

Examiner III

Canton

Ethan McKinley

Ethan.McKinley@dbcf.ms.gov

Examiner III

Jackson

Hannah Thames

Hannah.Thames@dbcf.ms.gov

Examiner III

Madison

Zach Irons

Zach.Irons@dbcf.ms.gov

Examiner II

Brandon

Alex Robison

Alex.Robison@dbcf.ms.gov

Examiner II

Oxford

Carrie Spencer

Carrie.Spencer@dbcf.ms.gov

Examiner II

Oxford

Evans Wilkerson

Evans.Wilkerson@dbcf.ms.gov

Examiner II

Ridgeland

Trevor Land

Trevor.Land@dbcf.ms.gov

Examiner I

Nesbit

Kate Perry

Kate.Perry@dbcf.ms.gov

Examiner I

Oxford

2

Data Analytics Community Banks Community Banks Community Banks Community Banks Data Analytics Trust Community Banks Community Banks Community Banks Community Banks Community Banks

Commissioner Rhoshunda G. Kelly Deputy Commissioner Sam Hubbard

Field Supervisor Roger Sinclair

Field Supervisor

ioinssDioirneecrtor CDoivmism Perry Anne Thimmes Rhoshunda G. Kelly Deputy Commissioner Sam Hubbard

Paul Lion

Field Supervisor Nicky Shelton

Administrative DivisiAosnsiDsitraencttor

Perry AnneLeCompte Thimmes Carrie

Field Supervisor Roger Sinclair

Supervisory Examiner Ashley Sims

Examiner V Jeff Cox

Examiner IV

Matt Akins Justin Babbitt Kent Savage SupervAnna isoryStrider Examiner Ashley Sims Examiner III

EDaniel xaminBeck er V Jeff Cox

Examiner II EBryan xamiBurton ner IV

Matt Akins Examiner I Justin Babbitt Trevor Land Kent Savage Evans Wilkerson Anna Strider

Examiner III Daniel Beck

Examiner II Bryan Burton

Examiner I

Trevor Land Evans Wilkerson

Field Supervisor SuperPaul visoLion ry Examiner Michael Sullivan Mark Hudson

Examiner V Bill Ashley Ben Cayson Ann Herring

ieeldrvS SuFp isuopryerEvxisaomr iner Nicky MattShelton Mitchell

Administrative Assistant Carrie LeCompte

Examiner IV Supervisory Examiner

Justin Cheaves Matt Mitchell Barbara Donald ExaCody minKing er V Reed Jones Michael Sisco Steve Lawrence Robert Skrmetta Alison Wiggers Exam iner III Don Williams Paul Dowdle EEthan xamin er IV McKinley Justin Cheaves Examiner II Barbara JamesDonald Craig Cody King Michael Sisco Robert Skrmetta

Examiner I ExaKate minPerry er III

Andrew AlexAlexander Robison Matt Clark Hannah Thames

Kate Perry Alex Robison

Erik Smith

Examinations Analyst SuEpxearm visinoerroVf Examinations Erik Smith

Training ExC ao moirndaitnio an tosr A n a l y s t Examiner IV ExaminMcGuire er V Heather

Training Coordinator Examiner IV

Heather McGuire

March 2022

Examiner III

Examiner II Examiner I

Reed Jones Steve Lawrence Alison Wiggers Don Williams

IViner SupervEixsaom ry i n Ee xar m

Paul Buchanan Michael Sullivan Exam iner III Mark Hudson Andrew Alexander ExaMatt minClark er V Bill Ashley Hannah Thames Ben Cayson Examiner II Ann Herring Zach Irons ECarrie xaminSpencer er IV Paul Buchanan

Zach Irons Carrie Spencer

Examiner V

Supervisor of Examinations

3

Paul Dowdle Ethan McKinley

Examiner II James Craig

March 2022

3