The Arkansas Banker October 2018

October 2018

Salute To Veterans

Volume CI, No. 10

ABA PROFESSIONAL DEVELOPMENT

LIVE EVENTS

NOVEMBER 2018

Providing you with face-to-face interaction with expert instructors!

ABA BankPAC Golf Tournament

2018 Financial Services Symposium

November 5, 2018 | Maumelle Country Club Who should attend: All bankers that love to golf... or golfers that love to bank!

November 15, 2018 | ABA Office, Little Rock Who should attend: Bank CEOs, CFOs, Executives, and Senior Management

Leadership Conference

Supervisor Boot Camp

November 5-6, 2018 | Hilton Garden Inn,

Little Rock Who should attend: Bankers who would like to further their leadership skills

November 27-28, 2018 | ABA Office, Little Rock Who should attend: Supervisors, Managers, Trainers, and Branch Managers

Call Report Preparation November 13, 2018 | ABA Office, Little Rock Who should attend: Anyone who prepares, audits, or signs the call report. Experienced preparers and reviewers.

DECEMBER

2018 FDIC Banker Outreach November 29, 2018 | Embassy Suites Who should attend: All bank directors, CEOs, and bank officers are encouraged to attend this timely update, participate in the sessions, and share their perspective with the group.

JANUARY

5-6 Women in Banking 28-Feb. 1 Compliance School Conference Details on 30 Basics of Banking

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7-8

MARCH

Real Estate Lending Compliance

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APRIL

Tax Return Analysis

16-18 ABA Annual Convention

11-12 Consumer Lending School

22-26 Commercial Lending Sch.

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Advanced Cash Flow Analysis

Loan Assistants & Processors Training

For more information about ABA Live Events, log on to www.arkbankers.org or call 501.376.3741.

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FEBRUARY

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IRA Advanced Update

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Basic Personal & Business Tax Return Analysis

MAY

14-15 TRID Refresh 16 Key Ratio Analysis

October 2018 COLUMNS

Chairman’s Column 5 Minutes with Marcus Guinn

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DEPARTMENTS

Volume CI, No. 10

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Member News

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Industry News

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Cathy Owen

SALU TE TO VETERANS 8

#ARHometownBankers Visit Washington, D.C.

Professional Development Live Events Webinars AmBA Training Spotlight: Financial Services Symposium Spotlight: FDIC Banker Outreach Women in Banking

Banker News & Moves

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2018 ABA Salute to Veterans

Bank Backs Purple Heart City

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Bank Offers Tribute Account

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Join us at www.arkbankers.org to read and share statewide banking news!

The Arkansas Banker (ISSN 004-1726) is published monthly by the Arkansas Bankers Association, 1220 West Third Street, Little Rock, AR 72201. Phone: 501.376.3741. Periodical postage paid at Little Rock, AR. Postmaster: Send address changes to Arkansas Bankers Association, 1220 West Third Street, Little Rock, AR 72201. Subscription to The Arkansas Banker magazine is included in the membership fees to the Arkansas Bankers Association. Cover price is $5.95 each. Annual subscription rates are $40.00 for members and $60.00 for non-members.

Military Lending Considerations

by Julie Stackhouse & Katie Ringwald

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Bank Flies Star Spangled Banner in an act of Patriotism

SURVEY SAYS

Mega Conference Wrap-Up

Random question.

Random bankers.

Interesting results.

How does your bank celebrate Halloween?

58%

19%

There are decorations & candy, but nothing over the top.

We go all out... costumes, candy, decorations, pumpkin carving...

Halloween? Can you imagine the raised eyebrows if we CLICK HERE dressed up around here? to take part in the next Survey Says!

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23%

CHAIRMAN’S COLUMN Honoring our Veterans

ABA OFFICERS

This month we are honoring our veterans and their families. Their sacrifices are greatly appreciated. Regardless of whether their service was in hostile environments, within our own borders or foreign lands, our service men and women are true heroes.

Cathy Owen, Chairman

We are fortunate to live in a state with many Veteran Memorials, Museums, Markers, and sites to visit. After performing some research on the internet, I was able to locate these sites in 72 of our cities, representing 42 counties. These range from the small city of Garfield, Arkansas, which is near the battlefield of Pea Ridge (considered to be the largest site) to Pulaski County, which is home to the greatest number of sites. The 4,300-acre battlefield of Pea Ridge, in Benton County, honors those who fought there. It was the most pivotal Civil War battle west of the Mississippi River and is one of the most intact Civil War battlefields in the United States. Over 23,000 volunteer soldiers fought there, on March 7-8, 1862, to decide the fate of Missouri. Nine months later, 20,275 forces were engaged at the Battle of Prairie Grove, which was the last time two armies of almost equal strength faced each other for control of Northwest Arkansas.

Simmons Bank, El Dorado

Central Arkansas is home to the Arkansas Inland Maritime Museum, which is also home to the USS Razorback submarine and the USS Hoga tugboat, making it one of only two ports in the United States having vessels representing both the beginning and the end of World War II. Pulaski County is also home to two National Cemeteries, MacArthur Park, the Old State House, Multiple Veterans Memorials on the Capitol Grounds, and many other sites, such as War Memorial Stadium, which was dedicated to Arkansans who gave their lives in the two great World Wars. The Jacksonville Museum of Military History houses the history of the Little Rock Air Force Base and campaigns of the Civil War Trans-Mississippi Theater to the current conflicts in Afghanistan and the Middle East.

Historic Washington State Park offers reenactments and education about military and civilian issues, during the Civil War. Fort Smith is the home of the Battle of Massard Prairie and at least eight other military markers. In Gosnell, you will find a memorial to the brave men of the 97th Bombardment Wing at Blytheville Air Force Base, who did not return after their B-52 was shot down. Battles of Martin Creek and Morgan’s Hill were fought near Hardy, in Sharp County. The Battle of Helena, which took place on July 4, 1963, left 1,875 men killed, wounded, missing, or captured.

You may be asking yourself why I have chosen to use this space to share information about these sites. First, I believe it is important for us to never forget the battles that were fought for our freedoms that we enjoy today. I also believe visiting these sites is a wonderful opportunity to educate our children and grandchildren about these battles, what was lost, and what it means to be an American. We often take the time to visit Memorial Sites when we travel out of state, but often forget about all the wonderful sites we have right here at home. And, last but certainly not least, visiting these sites is an excellent way to remember and honor our Veterans.

Eagle Bank & Trust, Little Rock

Rob Robinson, IV, Chairman-Elect Jonathan Harrell, Vice Chairman Generations Bank, Rogers

Jim Cargill, Treasurer Arvest Bank, Little Rock

Dave Dickson, Past Chairman Union Bank & Trust Co., Monticello

Bill Holmes, President & CEO

Arkansas Bankers Association, Little Rock

BOARD OF DIRECTORS Johnny Adams, Conway Craig Attwood, Pine Bluff Jeff Brecklein, Jonesboro Chip Blanchard, Russellville Gene Crawford, Batesville David Dowd, Wynne Don Gibson, Springdale Chris Gosnell, Magnolia David Jessup, DeWitt Lance Lanier, Van Buren Barry Ledbetter, Little Rock Wilson Moore, Little Rock Marnie Oldner, Little Rock Mark Roberts, Malvern Lori Ross, Arkadelphia Randy Scott, Blytheville

Cathy Owen | Chairman

Chairman of Eagle Bank & Trust, Little Rock

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Jason Tennant, Eureka Springs Lynn Wright, Little Rock

ABA PROFESSIONAL DEVELOPMENT

NOVEMBER 2018

WEBINARS

Train multiple employees for one price, from the convenient location of your bank!

Thursday, November 1

Wednesday, November 7

Wednesday, Nov. 14

Loan Structure, Documentation and Compliance 10:00 a.m. – 12:00 p.m.

Patch the PeopleEducation for All 10:00 a.m. – 12:00 p.m.

Work-Life Balance for Today’s Busy Banking Professional 1:30 p.m – 3:00 p.m.

Legal Essentials for Lenders 1:30 p.m. – 3:30 p.m.

Customer Identification Programs and Customer Due Diligence: Update 1:30 p.m. – 3:30 p.m.

Friday, November 2 Employment Records and How to Keep Them 10:00 a.m. – 12:00 p.m.

Monday, November 5 Top 15 Issues with the New HMCA Rules 1:30 p.m. – 3:30 p.m.

Tuesday, November 6 Commercial Real Estate Cash Flow: Part IV 8:30 a.m. – 10:00 a.m.

Thursday, November 15 Thursday, November 8 Loan Participations for Community Banks: Risks & Rewards 10:00 a.m. – 12:00 p.m.

For Bank Managers: Build a No-Excuses Sales Environment 1:30 p.m. – 2:30 p.m.

Friday, November 9 Workplace Violence Planning & Active Shooter Preparedness 10:00 a.m. – 12:00 p.m.

Tuesday, November 13

Commercial Real Estate Appraisals: Part IV 10:30 a.m. – 12:00 p.m.

Controlling the Risks of Power of Attorney Documents 10:00 a.m. – 12:00 p.m.

Keys to Understanding Personal and Global Cash Flow from Tax Returns: Part IV 1:00 p.m. – 2:30 p.m.

Violence in Your Workplace: Prevention & Response 1:30 p.m. – 3:30 p.m.

Lending 101 1:30 p.m. – 3:30 p.m.

Living Trust Documents 10:00 a.m. – 12:00 p.m.

Teller Compliance Issues: UCC 3 & 4 Issues, Reg CC and CTRs 1:30 p.m. – 3:30 p.m.

Monday, November 19 Outsourced Third Party (Vendor) Management 1:30 p.m. – 3:30 p.m.

Tuesday, November 20 TRID for Construction Loans 10:00 a.m. – 12:00 p.m.

Monday, November 26 Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates 1:30 p.m. – 3:30 p.m.

For more information about ABA Webinars, log on to www.arkbankers.org or call 501.376.3741.

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5 MINUTES WITH

MARCUS A. GUINN

Executive Vice President & Loan Manager of Central, Southwest & Northeast Arkansas for Arvest Bank my banking career. Being a strong leader has nothing to do with a title, it requires you to be visionary, approachable and capable. I always say, “Being a Leader doesn’t require a title; and having a title doesn’t make you a leader.” True leadership is gaining the “willing” cooperation and dedication from those you manage or lead. It also requires one to have a servant heart, be humble and confident but not arrogant.

Give us a little background on yourself: I have enjoyed a 33 year career in banking, and currently serve as Executive Vice President & Loan Manager for Arvest bank in Central, Southwest and Northeast Arkansas, where I manage more than 50 commercial bankers and am responsible for overall growth and profitability of Arvest’s $1.6 Billion loan portfolios within the footprint. After serving three years of active duty in the Army, I served 18 years in the Arkansas National Guard retiring as First Sergeant. My Guard service ran tandem with my banking career. My wife of 17 years, Valencia, and I live in Little Rock. I am the father of two sons, one daughter, and one grandson.

I am an active alumnus of UA Little Rock, a member of the College of Business Advisory Board, and get the opportunity to advise business students, give valuable advice as a guest speaker, and mentor those who intern at Arvest.

I also volunteer as president of the Central Arkansas Risk Management Association as well as a board member of Baptist Health Foundation, Positive Atmosphere Reaches Kids (P.A.R.K), and TENDAJI Community Development Corporation, and am a regular presenter at Money Matters, a financial literacy and education program at St. Mark Baptist Church sponsored by Arvest.

You spent more than 20 years in the Army; what lessons from that time have carried into your banking career?

I have carried management and leadership lessons into

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What was the most rewarding experience of being in the military...and that of being a banker?

There were several rewarding experiences. The top most rewarding benefits were education, training, travel and camaraderie established with other soldiers. I still maintain contact with soldiers I served with at my very first duty station, Fort Hood Texas. Banking is rewarding because we get to help customers fulfill their dreams and experience what makes them happiest in life, whether it is a new home mortgage, business purchase or expansion, a bucket-list vacation, a new boat or college education. We are here to help customers!

Why is public service so important?

I believe that when we serve, we give back and set an example of what can be achieved by working together. It

also encourages others to become better citizens. When we serve, we are setting an example for someone; and someone is always watching and mimicking our efforts.

As bankers, what can we do to better serve our servicemen and women, and their families?

As a Banker, we can improve ways to notify veterans about special programs and benefits available to them; such as: V.A. home loans, loans available to disabled veterans to make their home ADA accessible, and banking options available to deployed soldiers.

What does patriotism mean to you?

To me, patriotism is deeper than an extreme love for one’s country. Once you serve, you gain a deep and clear appreciation for the sacrifice that helps mold patriotism.

If you didn’t live in Arkansas, where would you live?

Arkansas is home but Clearwater, Florida, and Santa Monica, California are good alternatives. Clearwater is very relaxing. Santa Monica is where the air is crisp, clean and the temperature is just right: warm during the day and cool in the evenings.

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Arkansas

Bankers Visit

Washington More than 20 bankers from across the state attended the Annual Washington Visit October 2-4. Attendees represented 11 banks of varying sizes from different regions throughout the state. This yearly fly-in gives Arkansas bankers the opportunity to speak directly with legislators and regulators about accomplishments and opportunities for the financial services industry in our state.

The three-day trip kicked off with a rooftop reception at the Promontory Interfinancial Network building, overlooking the Capitol Mall and the sights of Washington D.C. On Wednesday, October 3, the American Bankers Association crafted a full agenda, opening with an update on the industry’s most pressing issues, following the passage of Senate Bill 2155. After the briefing, bankers held individual meetings with the Treasury, Bureau of Consumer Financial Protection (formerly CFPB), Financial Crimes Enforcement Network (FinCen) and the FDIC. That evening, the Arkansas Bankers Association hosted a staff reception at Hawk ‘n’ Dove restaurant, where staffers of each of Arkansas’s four congressmen and two senators were able to connect with bankers in a more casual environment.

Thursday morning, bankers met with Senator Tom Cotton and Senator John Boozman to discuss possible legislative fixes

#ARHometownBankers in Washington: in back, Randy Rawls, Union Bank, Warren; George Purvis, Cornerstone Bank, Eureka Springs; Jason Tennant, Cornerstone Bank, Eureka Springs; Jim Taylor, First Security Bank, Rogers; Patrick Burrow, Simmons Bank, Pine Bluff; Brad Chambless, Farmers & Merchants Bank, Stuttgart; Bob Fehlman, Simmons Bank, Little Rock; George Makris III, Simmons Bank, Little Rock; Derek Eckelhoff, First Security Bank, Rogers; Marty Casteel, Simmons Bank, Pine Bluff; Barry Jackson, Arkansas Bankers Association; Jay Wisener, First National Bankers Bank, Little Rock; Cathy Owen, Eagle Bank, Little Rock; Rob Robinson, Simmons Bank, El Dorado; Jim Cargill, Arvest Bank, Little Rock; Tom Grumbles, First Service Bank, Greenbrier; and Jeff Lynch, Eagle Bank, Heber Springs.

to challenges facing bankers and customers throughout Arkansas.

Unfortunately, the House was in recess but attendees were able to meet with representatives from the offices of Congressman French Hill, Congressman Steve Womack, Congressman Rick Crawford, and Congressman Bruce Westerman. Time spent with each of these offices was a

testament to the fact that Arkansans are fortunate to have leadership in Washington that understand the uniqueness of our state.

Special thanks to Promontory Interfinancial, Equias Alliance for sponsoring transportation, and the Federal Home Loan Bank of Dallas for sponsoring the staff party.

Fall Visit Hot Topics While discussions with regulators and the Arkansas Federal Delegation covered a variety of issues, here are some of the main topics covered during the three-day visit: Bank Secrecy Act (BSA)

Home Mortgage Disclosure Act (HMDA)

Community Reinvestment Act (CRA)

Qualified Mortgage/Ability-to-Repay

Highly Capitalized Banks (HCB)

Cannabis and Marijuana Banking

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Annual Washington Visit Attendees Cathy Owen, ABA Chairman Eagle Bank & Trust Rob Robinson, ABA Chairman-Elect Simmons Bank Patrick Burrow, Simmons Bank Jim Cargill, Arvest Bank Marty Casteel, Simmons Bank Brad Chambless, Farmers & Merchants Bank Trey Deupree, Equias Alliance Derek Eckelhoff, First Security Bank Robert Fehlman, Simmons Bank Tom Grumbles, First Service Bank Eric Haar, Federal Home Loan Bank of Dallas Jeff Lynch, Eagle Bank & Trust George Makris, Simmons Bank George Makris III, Simmons Bank George Purvis, Cornerstone Bank Randy Rawls, Union Bank & Trust Randy Scott, Farmers Bank & Trust Jim Taylor, First Security Bank Jason Tennant, Cornerstone Bank Jay Wisener, First National Bankers Bank (Top) Jason Tennant, Cornerstone Bank; ABA Chairman Cathy Owen, Eagle Bank; and Steve Kinner, Managing Director of Promontory Interfinancial, at Tuesday evening’s rooftop reception.

Barry Jackson, Arkansas Bankers Association

(Above) Arkansas bankers during their meeting with Senator Tom Cotton.

(Right) Jim Taylor, First Security Bank; and Derek Eckelhoff, First Security Bank.

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Military Lending Considerations

early termination charge. With certain limitations, even leases entered into during active duty can be terminated if a service member receives military orders for a permanent change of station or a deployment. To terminate a lease, the service member must notify the lessor in writing with a copy of the military orders.

By Julie Stackhouse and Katie Ringwald Federal Reserve Bank of St. Louis

As we observe Veterans Day and honor those who have served in our armed forces, it is appropriate to recognize the federal lending protections in place for our service members; specifically, the Servicemembers Civil Relief Act (SCRA), enacted in 2003, and the Military Lending Act (MLA), enacted in 2006. These Acts are intended to reduce the financial burden on military personnel by protecting active duty service members and providing some additional safeguards for their spouses and dependents. While both Acts were implemented to support the financial interests of service members, the SCRA generally covers debts and obligations incurred prior to active military service, and the MLA covers certain types of consumer credit obtained while a service member is on active duty.

Servicemembers Civil Relief Act1

Among the various protections of the SCRA are interest rate reductions, foreclosure limitations, and lease termination rights. The SCRA imposes a maximum interest rate of 6 percent for any debts2 entered into prior to military service.3 This maximum rate applies during the service member’s period of military service, and for mortgage

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loans, for an additional one year after military service ends. Creditors must reduce a borrower’s interest rate to no more than 6% after receiving a written notice from the service member with a copy of the military order. The notice may be provided up to 180 days after release from service, in which case a creditor must retroactively adjust the loan. All interest in excess of 6% must be forgiven.

In addition, real or personal property owned prior to entering military service cannot be foreclosed upon during the period of military service without a court order, and in the case of mortgages, for an additional one year following service. Service members are also able to terminate residential and automobile leases during active duty without an

October 2018

Financial institutions may verify whether a borrower is a service member by searching the Department of Defense (DoD) Defense Manpower Data Center website4 or upon receipt of military orders provided by the service member.

Importantly, the SCRA prevents creditors from taking certain adverse actions, such as denying or revoking credit, against service members due to their exercise of rights under the Act.

Military Lending Act5

The MLA provides protections for certain types of consumer credit extended to service members6 and their spouses and dependents while on active duty. The types of credit covered by the MLA include credit cards, overdraft lines of credit, and some installment loans such as unsecured consumer loans and deposit advance products. Conversely, certain loan types such as residential real estate and motor vehicle-secured loans are excluded. For covered transactions, the MLA imposes a limit

safe harbor from liability if they use the DoD’s database8 or a consumer reporting agency.

Julie Stackhouse is Senior Vice President and Managing Officer of Banking Supervision, Credit, Community Development and Learning Innovation for the Federal Reserve Bank of St. Louis.

Conclusion

of a 36% Military Annual Percentage Rate (MAPR)7 during the period of time the service member is on active duty.

The MLA requires the MAPR and a description of the borrower’s payment obligation to be clearly disclosed to the covered borrower.

Creditors must ensure covered loans to active duty service members are not made with terms prohibited by the Act. While financial institutions can use their own methods to identify covered borrowers, they are provided

As we observe the Veteran’s Day holiday, it is important to be mindful of federal lending protections for our service men and women. It is important that financial institutions implement training and procedures to provide the proper protections for accounts of service members. Violations of the MLA and SCRA not only harm members of the military, they can carry civil liabilities as well as reputational risk to an institution.

The SCRA is codified at 50 U.S.C. App. 3901-4043.

Debts covered under the SCRA currently include automobile loans, mortgage loans, home equity loans, credit cards, and student loans, among others.

3 Under the SCRA, military service is generally defined as active duty for members of the Army, Navy, Air Force, Marine Corps, or Coast Guard, or a call to active service of more than 30 days for National Guard members.

Katie Ringwald is an Examiner working in Supervision in the Consumer Affairs function at the Federal Reserve Bank of St. Louis. She is a graduate of Truman State University. https://scra.dmdc.osd.mil The regulation implementing the MLA is found at 32 CFR part 232.

6 Covered borrowers are further defined in the regulation.

7 The MAPR is different from an annual percentage rate (APR) as it includes additional charges that are not considered finance charges under the Truth in Lending Act. 8 https://mla.dmdc.osd.mil

1

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2018 SALUTE TO VETERANS The Arkansas Bankers Association is proud of the 20,000+ men and women who work within the Arkansas banking industry and the dedication they have to making our hometown banks successful. Many of those individuals have not only served their communities and banks, but also our country. We would like to recognize all of these banker veterans, active and reserve military personnel, and families for their service, sacrifice, and contributions to our nation.

On the following pages is a listing of the brave men and women that have sacrificed to keep this nation free. We hope you’ll join the ABA in this celebration of our banker veterans for their patriotism, love of country, and willingness to serve and sacrifice for the common good.

Arkadelphia Brian Coston, Commercial Loan Officer, Southern Bancorp Bank Served 1984-2004 Haiti Mary Colleen Mason, Accounting Support, Southern Bancorp Bank Served 2013-Present United Kingdom, Stateside

Augusta

Bill Patton

Dr. Lackey Moody, Board of Directors, The Citizens Bank Served 1968-1970 Vietnam Helen Shaw, Corporate Security Officer/Facilities Manager, The Citizens Bank Served 1988-1992 Italy, Saudi Arabia, Gulf War

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Beebe Stephanie Weithman, CSR, First Security Bank Served 1989-2000 Operation Desert Shield & Desert Storm

Bentonville Sonny Delgado, Community President, Integrity First Bank Served 1992-1998 Bermuda & Stateside

Bill Patton, President, River Wind Bank Served 1971-1973 Thailand, Vietnam War

Batesville

Justin Teague, Credit Analyst, The Citizens Bank Served 2010-2014 Afghanistan, Operation Enduring Freedom

October 2018

Chris Jones, Senior Vice President of Commercial Lending, First National Bank of Fort Smith Arkansas Air National Guard

Blytheville Monte Hodges, Commercial Loan Officer Served 1990-1999 Stateside

Bryant Humberto Zalles, Teller, First Security Bank Served 2003-2009 Afghanistan, Operation Enduring Freedom

Conway Brad Beck, Facilities Manager, First Security Bank Served 1982-2002 Stateside, Army National Guard Jerry Cooper, Courier, First Security Bank Served 1969-1971 Vietnam Kaleb Keller, Teller, First Security Bank Served 20014-2018 Marine Corps, Okinawa, Japan

Danville Michael Brannon, SVP, Chambers Bank Served 1977-1981 USS Pyro / U.S. 7th Fleet

El Dorado Ardella Lee, Loan Operations Officer, Southern Bancorp Bank Served 1984-1992 Germany

Fayetteville Roy Brinkley, IT Systems Administrator, Signature Bank of Arkansas Served 1989-1991 Saudi Arabia, Iraq, Kuwait, Desert Shield, Desert Storm Richard “Dick” Kehoe, VP of Account Managers, Priority Bank Served 1966-1970 Vietnam Dr. H.D. McCarty, Director Emeritus, Priority Bank Served 1955-1988 Cold War

BANKER VETERAN SPOTLIGHT:

JAMES LYLE Years of Service: 2000-2008 Countries / Wars Served in: Iraq, Operation Iraqi Freedom Branch / Rank: Army National Guard, Corporal

What compelled you to serve your country?

Both of my grandfathers served in the armed forces. To say that they were extremely influential in my life would be an understatement. Growing up seeing the pride they had in serving their country was something special that I knew I wanted in my own life.

What was the most rewarding experience of being in the military?

The relationships made. The men I served with truly became my family. They are brothers that to this day would drop everything and travel any distance if I needed them.

Share one of your most memorable military experiences…

While in country, we had the opportunity to provide security for voting stations in Baghdad. The gratitude and hope shown to us by the Iraqi citizens getting to voice their opinion for the first time since Saddam Hussein’s reign was something I won’t forget.

How has your military experience shaped your career in banking?

The military taught me teamwork, discipline, responsibility, and resilience. All of these things have been extremely beneficial in my banking career.

What does patriotism mean to you?

Patriotism is the opposite of selfish individualism. The willingness to put country and others before yourself. Protecting that country from all enemies foreign and domestic. I thank God for the blessing of being born in our great country, and am very proud that I was able to serve.

Joshua Wheatley, IT Director / Information Security Officer, Signature Bank of Arkansas Served 2001-Present Operation Iraqi Freedom

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SALUTE TO VETERANS Greenwood Ed Wilkinson, President, Farmers Bank Served 1991-2010 Bahrain, Guam, Japan

Helena T. Larry Delk, Director, Helena National Bank Served 1959-1962 Stateside

Ron Singleterry

Fort Smith David Burton, AVP/Commercial Lending, First National Bank of Fort Smith Served 1989-1993 Desert Storm

Mont Echols, Executive Vice President & Chairman of the Board, First National Bank of Fort Smith Malea Hendrickson, Branch Manager, First National Bank of Fort Smith Served 2007-2012 Stateside Cindy Horine, Teller, First National Bank of Fort Smith Served 1979-1982 Stateside Sam Jordan, VP/IT Support Systems, First National Bank of Fort Smith Served 1972-1976 Vietnam Era Bailey Julian, Purchasing/Mail Room Coordinator, First National Bank of Fort Smith Served 2004-2008 Germany, Operation Iraqi Freedom Matt Liebal, Branch Manager, First National Bank of Fort Smith Served 2007-Present Iraqi Campaign, Operation New Dawn, Currently Serving in Arkansas National Guard Brian Reed, Statement Mail Clerk, First National Bank of Fort Smith Served 1992-1996 Israel, Italy, France, Greece, Bahamas, Malta, Spain, Ukraine Ron Singleterry, Server IT Officer, First National Bank of Fort Smith Served 1979-1989 U.S. Navy, Multiple Countries

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Ed Wilkinson

June Johnson, Administrative Specialist, Helena National Bank Served 1987-1991 Stateside Charles Roscopf, Director, Helena National Bank Served 1946-1948 WWII Jeffrey Steele, Vice President, Helena National Bank Served 1977-1995 Germany, Turkey, United States

Hot Springs Rafael Martinez, AVP/Commercial Lending, Relyance Bank Served 2000-2007 Operation Iraqi Freedom, Purple Heart Recipient

Jacksonville Ernest LaPaglia, LAN Computer Operator, First Arkansas Bank & Trust Served 1993-2013 Operation Iraqi Freedom, Operation Enduring Freedom

Rafael Martinez

David Wilson, Senior Network Administrator, First Arkansas Bank & Trust Served 1985-2005 Desert Shield, Desert Storm, Operation Iraqi Freedom, Global War on Terror

Jonesboro Wayne F. Bond, SVP/Lending Manager, Simmons Bank Served 1971-1978 Arkansas Army National Guard, 875th Engineering Battalion Scott Kiesling, Credit Administration Specialist, Simmons Bank Served 1969-1972 Vietnam Era Ronald McDaniel, SVP/Financial Advisor I, Simmons Bank Served 1972-1974 Vietnam Era/Stateside

BANKER VETERAN SPOTLIGHT: Little Rock

ROBERT BURNS

Robert Boardman, Simmons Bank

Years of Service: 1966-1988

Larry Brown, EVP/CCO, One Bank & Trust Served 1971-1972

Countries / Wars Served in: Republic of Vietnam

Curtis Fowler, CSR/Teller, First Security Bank Served 2001-2007 Operation Enduring Freedom, Operation Iraqi Freedom, Italy, Stateside ShaRhonda Fox, Customer Support Specialist I, Simmons Bank Served 2010-Present Stateside Marcus Guinn, EVP, Arvest Bank Served 1981-2003 First Sergeant, Stateside Harry Hastings, Jr., Emeritus Chairman of the Board, Eagle Bank Served in World War II Germany Quintessa D. Jackson, Teller, Simmons Bank Served 2013-Present Stateside Paul Kanneman, Simmons Bank Chris Klein, Trust & Wealth Management Assistant, First Security Bank Served 2006-2010 Stateside Raymond Long, Simmons Bank Linda McDaniel, Consumer Loan Underwriter, Simmons Bank Served Served 1972-1975 Vietnam Era/Stateside Scott Rawls, IT Analyst IV, Simmons Bank Served 1981-2011 Gulf War, Operation Iraqi Freedom, Egypt, Germany

Branch / Rank: Lt. Colonel, Army What compelled you to serve your country?

As the war in Vietnam progressed it enjoyed favorable support among most people in the United States. My generation, being the children of veterans from World War II, felt military service was a public duty of everyone to serve their country. In addition, military service was compulsory for qualified young men who registered for the selective service and were inducted to meet the needs of the military.

What was the most rewarding experience of being in the military?

The most rewarding experience of military service was the opportunity to work with different backgrounds from all over the U.S. and the realization that we all have much more in common than we have in differences.

Share one of your most memorable military experiences‌ A number of things come to mind that are memorable military experiences. I had an opportunity to visit with General Bradley when he was in Fort Bliss, Texas as an example of a member of great role models for both character and leadership found in the military, not only in the higher officer grades but the senior non-commissioned officers were the backbone of policy implementation and every young officer owes a great deal of gratitude to the senior enlisted for the knowledge and experience they contributed to good leadership.

You flew helicopters in Vietnam, and later brought that experience home to help develop a hospital heliport... what other military skills were you able to translate into service to your community at home?

The use of aviation assets in the military allowed for a soldier wounded in combat the opportunity to receive life savings help in record time. The result was many lives were saved by removing casualties to health care facilities for stabilization and later transferred as necessary to other care providers for more definitive care facilities.

When I returned from RVN I was the Commander of two companies at Fort Sill, Oklahoma.

Much of the knowledge learned during war time experience was later adapted for the U.S. Health Care System. Civilian hospitals saw the value in the rapid transfer of critically ill or injured patients for specialized care. Today almost all areas of the U.S. have access to both helicopter and fixed wing aircraft on call when needed.

After active military service I spent the balance of my time in the Army Reserve being called back on active duty on several occasions. One, in particular, was an assignment to Task Force New Arrivals at Fort Chaffee with the mission to relocate thousands of Vietnamese refugees. Other assignments were at the JFK Special Warfare School and the Command and General Staff College. My last assignment was with the U.S. Central Command at MacDill Air Force Base in Tampa, Florida.

How has your military experience shaped your career in banking?

Military experience has been positive in terms of challenging assignments and a great opportunity for education in the military and is easily transferable to a business career.

What does patriotism mean to you?

I have always felt a high degree of loyalty to our nation because of the opportunities available in the U.S. that are not shared by other countries. The strong focus on individual freedoms is one of the core values of our way of life and should not be taken for granted.

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SALUTE TO VETERANS Little Rock continued Devin Redding, Teller, Eagle Bank Served 2013-Present Specialist, Army National Guard Boyd Rothwell, SVP, First National Bankers Bank Served 1968-1970 Vietnam Bruce Upton, EVP/Chief Operations & Technology Officer, Stone Bank Served 1979-1999 Saudi Arabia, Kuwait, Iraq, Kosovo, Bosnia, Panama, Honduras, El Salvador, Nicaragua, Germany, Italy, Japan, Korea, Australia, Philippines, England, Turkey, Greece, Egypt Will Yarbrough, Customer Service Rep., Stone Bank Served 2014-Present Stateside

Lonoke Angie Gorbet, SVP Lending/Human Resources, First State Bank Served 1981-1987 Stateside Jacob Ward, Data Processing Clerk, First State Bank Served 2012-Present Afghanistan, Operation Enduring Freedom Rick Worrell, AVP/CTO, First State Bank Served 1992-2013 Germany, Turkey, Qatar, Afghanistan and Iraq Wars

Magnolia Bob Burns, Chairman, Farmers Bank & Trust Served 1966-1988 4th Infantry Division, Vietnam; awarded Bronze Star, Presidential Citation, Cross of Gallantry & Distinguished Service Medal Charles Fowler, Sr., Facilities Administration, Peoples Bank Served 1960-1985 Vietnam, Korea, Germany, Italy, Korea

Bobby Heinze, Information Security Officer, Peoples Bank Served 2000-2008 Operation Iraqi Freedom Justin Moody, Customer Service Specialist, Peoples Bank Served 2015-Present

Mammoth Spring Edward L. Stahlman, VP/Commercial Loan Officer I, Simmons Bank Served 1968-1969, 1972-1985 Southeast Asia, Stateside

McGehee Charles Lloyd, Loan Officer, McGehee Bank Served 1964-1995 Panama, Operation Just Cause James Lyle, Network Administrator/ISO, McGehee Bank Served 2000-2008 Iraq, Operation Iraqi Freedom

James Lyle

Mena JaneĂŠ Sweeney, CIO/SVP, Union Bank of Mena Served 1987-1992 Japan, Korea, Philippines, Australia, Bahrain, Desert Shield, Desert Storm, Persian Gulf War

Mountain Home

JaneĂŠ Sweeney

Chester Kowalksi, Network Administrator, Integrity First Bank Served 1984-1988 Japan, South Korea

Piggott Josh Hicks, Loan Officer, Piggott State Bank Served 2006-2014 Afghanistan and Iraq: Operation Enduring Freedom, Operation Iraqi Freedom

Pine Bluff James P. Allen, Jr., Computer Operator II, Simmons Bank Served 1981-1984 Greg T. Berry, Trust Specialist III and Officer, Simmons Bank Served 1974-1980 Heather J. Berry, Assistant Branch Manager, Simmons Bank Served 1995-1997 Stateside Deborah F. Brown, Computer Operator I, Simmons Bank Served 1977-1981 Japan, Stateside

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Bennie J. Butler, Facilities Maintenance Technician, Simmons Bank Served 1950-1956 Korea Aaron Cagle, Simmons Bank Marty D. Casteel, EVP, Chairman & CEO, Simmons Bank Served 1974-1978 Vietnam Era/Stateside Dennis Fernandez, Simmons Bank Janice Fuller, Switchboard Operator, Relyance Bank Served 1983-1993 Linda Howell, Bank Operations Specialist I, Simmons Bank Served 1974-1977 Vietnam Era Christopher Huntley, VP and Portfolio Manager, Simmons Bank Served 2000-2006 Operation Iraqi Freedom: Iraq, Kuwait, Italy; Operation Joint Forge (NATO): Former Yugoslavia James E. Jackson, Sr., Mail Services Clerk II, Simmons Bank Served 1968-1970 South Asia Richard Metcalf, EVP/Wealth Management, Relyance Bank Charles “Tony” Ogles, IT Support Specialist III, Simmons Bank Served 1996-2000 East Timor Gekisha L. Shaw, Customer Call Center Specialist I, Simmons Bank Served 2003-2005 Arkansas National Guard, Stateside Phillip Smith, VP/Consumer Lending, Relyance Bank Terry M. Smith, Facilities Maintenance Technician, Simmons Bank Served 1957-1962 Stateside Wilbert T. Thornton, Facilities Maintenance Technician I, Simmons Bank Served 1960-1966 Turkey Charlie Whorton, Risk Management Specialist I, Simmons Bank Served 2005-2011 Japan, South Korean Territorial Waters, Singapore, Thailand, Cambodia, Philippines, Australia, Libyan Territorial Waters, Italy

BANKER VETERAN SPOTLIGHT:

BRUCE UPTON Years of Service: 1979-1999 Countries / Wars Served in: Kosovo, Japan, England, Honduras, El Salvador, Germany, Philippines, North/South Korea, Etc./Desert Shield/Desert Storm-Gulf War Branch / Rank: USAF/Captain

What compelled you to serve your country?

I believe it is a responsibility for each person who lives in our country to find a way to serve. My grandfather, my father, and both my brothers served. They have all emphasized that they served as matter of personal integrity. I believe that finding a way to serve a matter of personal integrity, a way to serve humanity, and to help keep the freedoms we have in our country.

What was the most rewarding experience of being in the military?

The sense of community and brotherhood. The bonds developed here are some of the strongest anyone can have, and they last forever.

The feeling that you are part of a team that is doing something that is significant and positive…. something that makes a difference both in our country and all around the world.

Share one of your most memorable military experiences…

I was part of a team that brought back 13 of the first enemy prisoners of war from Western Iraq during the Desert Shield/Desert Storm. The process to defeat and capture those enemy combatants…. how they looked and responded, is something that will always be a vivid memory.

How has your military experience shaped your career in banking?

In my military experience the expectation was to understand the objective, find a way to accomplish that mission, then have the discipline and follow through to complete the task. That taught me discipline and perseverance. Those two attributes have been instrumental in helping me in my banking career.

What does patriotism mean to you?

It means I love my country. I was deployed many times during my career. These missions opened my eyes to the poverty, oppression, and human need in other countries. I saw children standing barefoot in the streets, during weather so hot or cold that most people would have stayed indoors. I saw villagers so afraid of terror they hid from everything and everyone.

I saw bravery, kindness, and evil up close and personal. When you have seen life in other countries, you realize how fortunate in we are. I love our country. That is what patriotism means to me.

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SALUTE TO VETERANS Pocahontas Bryan Dalton, Loan Officer, River Bank Served 2007-2011 Operation Enduring Freedom, Operation Iraqi Freedom, Operation New Dawn

Don Gibson, CEO, Legacy National Bank Served 1970-1971, followed by six years of Reserve Service Glen Plumlee, SVP/General Lending, Legacy National Bank Served 1972

Rogers Sheldon Duncan, Teller, First National Bank of Fort Smith Served 2010-2015 Operation Enduring Freedom Mike Fair, Vice President/IT, First Western Bank John T. Hampton, Chairman/CEO, First Western Bank

Russellville Johnny Morgan, Director & Former President, First State Bank Served 1972-1974 Vietnam

Searcy Melvin Brown, Statewide Supplies, First Security Bank Served 1962-1966, 1977-2003 Vietnam James Dixon, Systems Engineer, First Security Bank Served 1988-1994 Sam Dorton, IT Help Desk, First Security Bank Served 2008-2009 Operation Iraqi Freedom Henry Pool, Technology Center Bookkeeping Department, First Security Bank Served 1962-1965 Vietnam Mike Vinson, Human Resources Generalist, First Security Bank Served 1992-2017 Italy, Cuba, Japan; Operation Enduring Freedom, Operation Iraqi Freedom, Operation New Dawn

Sherwood Darryl Goodman, Branch Manager, First Arkansas Bank & Trust Served 1993-2016 Iraq, Afghanistan, Bosnia

Springdale Chasa Crockett, Teller Manager, First Security Bank Served 1992-2005 Persian Gulf, Operation Iraqi Freedom, Bosnian War

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Tim Hargis, Vice President, First Security Bank Served 1971-1973 Vietnam

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Mike P. Taylor, Facilities Manager, First Security Bank Served 1966-1988 Taiwan, Thailand, Vietnam, Greece, Germany, Turkey, Zaire, Senegal & others

Warren Gerald Dean Burton, Director, Warren Bank & Trust Served 1945-1946 WWII, South Pacific Carlton Davis, Director, Warren Bank & Trust Served 1964-1984 RUN 1969, Germany

West Helena Janice Williams, Branch Manager, Southern Bancorp Bank Served 1997-Present Guantanamo Bay, Afghanistan

West Memphis Murphy Smith, SVP/Marketing, Fidelity National Bank Served 1970-1972 Stateside

Out of State Locations Joseph Herrera, AVP/Compliance Specialist III, Simmons Bank, Stillwater, OK Served 2006-2010 Afghanistan, Operation Enduring Freedom Terae Phelps, Call Center Specialist, Simmons Bank, Martin, TN Served 2005-2008 Joe Renner, SVP, Simmons Bank, Springfield, MO Served 1981-2011 Gulf War, Operation Iraqi Freedom, Egypt, Germany David York, Vice Chairman, Tulsa Market, Simmons Bank, Tulsa, OK Served 1966-1971 Vietnam Thank you to the banks who submitted names for the ABA Salute to Veterans! Know a banker veteran who was not listed here? Log on to www.arkbankers.org or email traci.logsdon@arkbankers.org to submit their information!

Financial Tips for Military Families

Honoring Veterans Every Day

“Service members and their families often cite finances as one of their most significant stressors, even more so than deployments and personal relationships,” said Corey Carlisle, executive director of the AmBA Foundation. “Service members can’t adequately focus on the job at hand if they are concerned about financial problems at home.

Military families face unique financial challenges like deployments and relocations, so we stress the importance of planning ahead as much as possible.”

Feel free to utilize the following tips to benefit your military customers and their families: Contribute to a Thrift Savings Plan. Military members have access to the Federal Thrift Savings Program, which offers the lowest-cost retirement-savings plan available. Have automatic contributions withdrawn from your paycheck.

Plan for deployment. Before deploying, have a conversation with your family about managing the household budget. Consider granting power of attorney to your spouse, should they need to make any urgent financial decisions while you are gone. Check with your bank to see if they have pre-printed forms you can use for bank accounts. Military personnel also receive additional funds while deployed. Decide on the best use for that extra cash, whether it be paying off debt or additional Thrift Savings Plan contributions.

Meet with your banker before active duty. The Servicemember Civil Relief Act offers all military personnel entering active duty a variety of financial protections. The SCRA covers issues ranging from interest rate reductions to limits on debt accrual. Ask your banker about the key provisions of this law and how they can help.

Consider housing options. With mortgage rates at notably low levels, homeownership can seem like a no-brainer. However, servicemembers should consider their options. Frequent relocations and deployments can make owning a home challenging and expensive. Renting may be a smart option for short-term assignments. Decide what’s best for your family and your finances.

Consult a financial advisor. Schedule a visit at a Personal Financial Management Program (PFMP) office, located in your military and family support centers. They offer free one-on-one counseling, as well as other financial education resources.

Budget for a single-income household. Frequent moves are an inevitable part of military life and can make it difficult for spouses to establish stable careers. As a precaution, make plans to operate on a single-income household budget. That way, should your spouse’s employment status change, your family will be prepared.

Set up automatic bill pay. Whether you’re stationed state-side or overseas, automatic bill pay will give you and your family one less thing to worry about each month. It can be particularly helpful during deployments in regions where internet access is unreliable and mobile banking isn’t an option.

In January of 2018, Greenwood was proclaimed as a “Purple Heart City” — a city that recognizes the sacrifices and efforts of combat veterans that were wounded or killed in action.

Farmers Bank reserves a parking spot for combat wounded veterans. Means Wilkinson, late husband of Farmers Bank Chairman Elizabeth Wilkinson and former ABA Chairman, was awarded the Purple Heart Medal after being wounded in action during the Sicilian Invasion in WWII.

Stone Bank Introduces Tribute Checking for Those of Service Stone Bank has introduced a new checking account specifically for those of service. Veterans, active duty military, police, firefighters and first responders will be able to open a free interest-bearing checking account which includes a free lock box and free checks.

The account will also allow account holders to choose a debit card featuring a visual representation of their particular service area. As a bonus, qualifying account holders who choose to use direct deposit for their accounts will receive a one-time $100 bonus.

“We have always had an allegiance to our men and women of service,” said Sandy Straessle, Senior Vice President of retail banking. “This is a tangible way that we can say thank you.”

Stone Bank has locations in Little Rock, White Hall, Mountain View and Harrison.

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Bank Flies

Star Spangled Banner

in an act of Patriotism You’re a grand old flag You’re a high flying flag And forever in peace may you wave.

You’re the emblem of The land I love, The home of the free and the brave.

In eight cities across central and north central Arkansas you can see a grand old flag flying high, and nestled below those star-spangled billows you will find a branch of First Service Bank. The oversized banner has become a hallmark of the bank, and a symbol of the organization’s commitment to community.

Chartered in 1962 in Dermott, the bank began flying the flag as a show of support for the troops during Operation Desert Storm in the early 90s. When the bank moved its charter to Greenbrier in 1999, they went a step farther – having seen an oversized American flag years before in Monticello at the Coca-Cola bottling plant, CEO Tom Grumbles brought the idea home to the bank. Since that time, the jumbo flags have been flown at nearly every First Service Bank location.

“It started out as – and it still is – a patriotic gesture to our country and our veterans,” Grumbles said. But the 30’ x 60’ flags flying on a 100’ pole are iconic for the communities in First Service Bank’s footprint. “We get people that’ll be going through town and see our flag and they’ll either send us an email or call and say we really appreciate you flying the flag.”

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“We constantly have positive feedback from customers in regards to the flag,” agreed Searcy and Van Buren County Market President Darla McJunkins, who works in the bank’s Clinton branch. “Many times customers will send us letters thanking us for flying the flag and will usually include a reference to a family member that has served in their letter.”

“People take pride in the flag,” added Marketing Officer Jon Patrom, “Across all lines, the flag just unites everybody; everyone joins together and wants to see the flag raised.”

Grumbles describes patriotism as one of the bank’s core values. “We are proud of our flag and the freedom it stands

for. We display the American flag as an icon at each of our locations to symbolize our patriotism and to show respect for our active military and veterans who fight to protect our lives, our families, our home, and our freedom. Freedom isn’t free.

They are willing to pay the ultimate price.”

“It means a tremendous amount to me that our bank stands behind our service men and women,” said McJunkins. “My dad and my uncles served in the military and I have a lot of customers that have served or are serving now. We owe these individuals a great deal of respect for their service. Our flag is just one way we can show gratitude to them and show our support for past veterans and current military members.”

Soon after their installation, patrons began using the flags as an identifier for the bank. So when it came time for the organization to refresh its logo, the stars and stripes came into play. The theme carries throughout the organization: you will always see the bank employees wearing red, white, blue or grey, and the bank compiles a patriotic calendar each year for customers, featuring photos submitted by employees.

And in the few branches where the big flag cannot be flown – the initial location in Dermott and the location in Shirley have logistical constraints, and the Little Rock branch is located inside an office building – the bank found different ways to incorporate the flag.

“We wanted to make sure the flag was implemented in some part, so we commissioned an artist out of Little Rock to do a

painting in the lobby,” Patrom noted. “So we have some aspect of the flag.”

In the bank’s corporate office boardroom, you can see a wall of black and white photos, each featuring a colored flag waving above each of the bank’s branches. Across the room is a tightly folded flag that once flew over the U.S. Capitol – a gift to Grumbles from his employees in honor of his dedication to the First Service Bank family.

In addition to flying the flag, First Service Bank provides flag handling education to its employees and the community. You can find flag procedures and etiquette on the bank’s website, and they utilize social media to alert customers when and why flags may be flying at half-staff.

Patrom and McJunkins note that there is a continuous maintenance program for the flags – there are at least two back-ups on hand at each location – sun fading, strong winds, and just normal wear and tear can lead to the demise of a flag.

“We are extremely careful about taking the flags down and putting them up. We try to make sure that we get them down before bad weather hits or if there is any kind of tear in them, we remove them to be repaired,” McJunkins said. “We take this October 2018

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AMERICAN FLAG DISPLAY ETIQUETTE

From First Service Bank

It is appropriate to fly the United States flag in a variety of ways. The following, however, must be observed:

pride in our communities we are in, too. We know they need our support to grow and prosper so we offer it wherever we can.”

Among the slew of community organizations and causes the bank supports, McJunkins noted a number of military-related initiatives: bike rides, a bass tournament, providing a flag for the local VFW, and the Remembering Everyone Deployed program.

“We have also been hosting the Quilts of Honor receptions for the Veterans. They honor a group of Veterans with a handmade quilt for their service. It is a very emotional reception for both the Veterans and those that are a part of it,” she said. “This is probably the event that has touched me the most. They take the quilts and acknowledge their service and then wrap them around the veteran. All of them stand up and are honored during the reception.”

“We want to stand behind the flag and all those who have served for us, and try to follow in their footsteps of giving back to the communities,” Patrom said.

“The best part of being a hometown banker is being able to help people achieve their dreams. It is an awesome feeling when you are able to help someone purchase their first home or car,” McJunkins said. ”I’ve been with the bank for 20 years now so I get to help my customers’ kids on their dreams too. I love being available to people and them feeling comfortable coming to me at a ballgame with questions or at the fair. I like that I know them well and they know me, too. It’s kind of like helping your extended family!”

According to Patrom, the hometown service is part of what makes First Service who they are. “We’re proud that we’re able to say that we’re hometown people – we’re homegrown,” he said. “We live in these communities that we serve, we’re dealing with people right in our back yards every day, dealing with family and friends and taking care of communities.”

Taking pride in the flag, and pride in the community, is just a part of the culture at First Service Bank. If you asked Tom Grumbles, he would probably smile and say it’s just about doing what’s right.

“We want to be a part of the community, we want to give back, we want to be a good corporate citizen in every location we have,” Grumbles said. “We just try to treat our customers like we’d want to be treated if we were on the other side of the desk or counter.”

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When flown from a stationary flagstaff, the United States flag may be flown twenty-four hours per day, provided that the flag is properly illuminated during the hours of darkness; When two or more flags are flown from the same staff, the United States flag should always be at the peak of the staff; When flags of the State or University are displayed in front of a building from separate staffs alongside the United States flag and the staffs are of equal height, the United States flag should be placed in the honor position to the right of the other flags as observed while standing directly in front of the building and facing out towards the flags. If the staffs are of unequal height, the United States flag should be displayed from the tallest staff, which should be placed in the center of the three staffs; When the United States flag is carried in a procession with another flag, the United States flag should be carried on the marching right or in front of the center of the line; When the United States flag is displayed with another flag against a wall from crossed staffs, it should be on the United States flag’s right with the staff of the United States flag in front of the staff bearing the other flag; When the United States flag is displayed with a number of flags of states, localities or pennants of societies and displayed from staffs, the United States flag should be at the center of the group and at the highest point; When the United States flag is displayed from a staff projecting from a building, the union of the flag should be placed at the peak of the staff; When the United States flag is displayed on a staff on a speaker’s platform, the flag is to be placed on the speaker’s right. If the flag is with the audience, it is on their right and the speaker’s left; When the United States flag is displayed flat against a wall on a speaker’s platform, it should be placed above and behind the speaker with the union in the upper left-hand corner as the audience faces the flag.

ABA PROFESSIONAL DEVELOPMENT

AmBA TRAINING

AmBA Training includes extensive learning opportunities suited to specific job roles, in both facilitated and self-paced online formats, as well as in person. Flexible and cost-effective, AmBA’s online training opportunities are continually updated to provide a superior learning experience that can be accessed from anywhere, at any time.

UPCOMING COURSES

Basic Administrative Duties of a Trustee 11/5/2018 - 12/14/2018

Marketing Management 1/22/2019 - 2/15/2019

General Accounting 3/18/2019 - 7/5/2019

Analyzing Bank Performance 1/28/2019 - 3/15/2019

Legal Foundations in Banking 3/25/2019 - 5/31/2019

Managing Interest Rate Risk 11/5/2018 - 1/11/2019

Managing Funding, Liquidity, and Capital 1/28/2019 - 3/1/2019

Managing the Bank’s Investment Portfolio 3/25/2019 - 4/26/2019

Marketing in Banking 11/5/2018 - 12/7/2018

Building Customer Relationships 2/4/2019 - 3/1/2019

Marketing Management 3/25/2019 - 4/19/2019

Money and Banking 11/5/2018 - 3/8/2019

Commercial Lending 2/4/2019 - 4/26/2019

Building Customer Relationships 4/1/2019 - 4/26/2019

General Accounting 11/12/2018 - 3/15/2018

Money and Banking 2/4/2019 - 5/24/2019

Managing Interest Rate Risk 4/8/2019 - 5/31/2019

Marketing Planning 12/10/2018 - 1/11/2019

Analyzing Financial Statements 2/11/2019 - 5/31/2019

The Mortgage Lending Business 4/8/2019 - 5/17/2019

The Banking Industry 1/14/2019 - 2/8/2019

Marketing Planning 2/19/2019 - 3/15/2019

Consumer Lending 1/14/2019 - 5/3/2019

Intro to Agricultural Lending 2/25/2019 - 4/19/2019

Basic Administrative Duties of a Trustee 4/15/2019 - 5/17/2019

Fundamentals of Mortgage Lending 1/14/2019 - 2/22/2019

Introduction to Trust Products & Services 2/25/2019 - 3/29/2019

Consumer Lending 11/5/2018 - 3/8/2019

Marketing in Banking 1/14/2019 - 2/8/2019 Bank Lines of Business 1/21/2019 - 2/15/2019

The Banking Industry 5/6/2019 - 5/31/2019 Analyzing Bank Performance 5/13/2019 - 6/28/2019

IRA Online Institute 2/25/2019 - 5/19/2019

Bank Lines of Business 5/20/2019 - 6/14/2019

The Banking Industry 3/4/2019 - 3/29/2019

Building Customer Relationships 6/3/2019 - 6/28/2019

Bank Lines of Business 3/18/2019 - 4/12/2019

Marketing in Banking 6/3/2019 - 6/28/2019

For more information about AmBA Training, log on to www.arkbankers.org or call 501.376.3741.

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MEGA CONFERENCE DEEMED Aa deemed TOTAL SUCCESS

Nearly 300 bankers and vendors joined forces to kick off the ABA’s second Mega Conference, held September 25-26 at the Marriott Hotel in downtown Little Rock. Throughout the twoday event, attendees enjoyed networking with peers from across the state and learning the newest banking trends during the job-specific tracks which included Agricultural Lending, Compliance, Lending, Marketing, Security, Strategic Thinking, Technology and Trust. In addition to the conference sessions, participants experienced a revamped trade show that offered the potential for more one-on-one time with vendors.

Event highlights included lunch speakers Rob Engstrom, Chief Political Strategist for the American Bankers Association, who gave bankers a crash course in advocacy, and how the outcome of the upcoming election could impact our industry; and Paul Vitale, who encouraged attendees to find their passion in an effort to live an enthusiastic life.

Utilizing banker feedback, the ABA hopes to continue to grow this Mega event. Here’s what bankers are saying about the Mega Conference: The concept of all lines of business joining for one conference is fabulous. It makes the meals, vendors and breaks more interactive. The ability to bring in better speakers due to greater attendance is a strength for all.

- Tabi L. The ABA staff did a great job. The Mega Conference in my opinion was a very informative and a great success. Thank you for the hard work in creating this opportunity!

- Ted N. Some speakers were a lot better than others. Randy Dennis and Jeff Peden from the Stratgic Thinking were awesome!

- Sandy F. Great conference with really good speakers — the lunch speakers were really good.

Kudos to the ABA Staff — they did a wonderful job organizing and executing the conference.

- Rob R. First time to the MEGA Conference loved everything about it. I will be going again.

- Becky H.

THANK YOU TO OUR VOLUNTEERS

(Above) Bankers attending Mega Conference were able to choose a single vocational track, or sit in on any topic or session of interest. Tables were filled in the Marketing session during a panel discussion on digital branding with the professionals from Stone Ward.

(Right) Blake Downen, Simmons Bank, Lake Village; Bert Greenwalt, Arkansas State University, Jonesboro; and Jim Tubbs, Regions Bank, Jonesboro.

The success of this year’s Mega Conference hinged on our banker volunteers — a MEGA thank you to these individuals for taking time out of your schedule to support the ABA staff at this event!

John Thomas Anderson, Malvern National Bank, Little Rock

Stacey Martin, Simmons Bank, Little Rock

Ralph Bradbury, Arvest Bank, Little Rock

Ashley Roach, Stone Bank, Little Rock

David Coleman, Malvern National Bank, Little Rock Gene Crawford, Citizens Bank, Batesville Leah Fender, First Arkansas Bank & Trust, Jacksonville Chris Gosnell, Farmers Bank & Trust, Magnolia Myra Graham, Generations Bank, Camden Cody Knight, Piggott State Bank, Piggott

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Cathy Owen, Eagle Bank, Little Rock Rob Robinson, Simmons Bank, El Dorado Roger Sundermeier, First Arkansas Bank & Trust, Jacksonville Randy Scott, Farmers Bank & Trust, Blytheville Sandy Starnes, Citizens Bank, Batesville Amanda Turner, First National Bank, Wynne

The ABA hosted its third #BankersGiveBack drive, collecting food and supplies for the Arkansas Food Bank and Ronald McDonald House Charities of Arkansas.

In total, Mega Conference attendees donated 220 pounds of food for the Food Bank, and several boxes worth of goods for Ronald McDonald House. A followup drive to support the two statewide charities will be held at the upcoming Leadership Conference, November 5-6.

SNAPSHOTS October 2018

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(Above) Roger Sundermeier, First Arkansas Bank & Trust, Jacksonville; and Leah Fender, First Arkansas Bank & Trust, Jacksonville.

(Right) Karen Gray, Arvest Bank, Fayetteville; and Justin Peek, Arvest Bank, Fayetteville.

THANK YOU TO OUR SPONSORS Blackmon Auctions Tote Bags

Hamilton Mortgage Tuesday Networking Refreshments

CenterState Correspondent Division Mobile App Banner Ad

Mitchell Williams Networking Reception

Equias Alliance Hotel Keycards

Quattlebaum, Grooms & Tull, PLLC Candy Basket

FF&S Solutions Mobile Charging Stations

SBS Cybersecurity Web Page Banner Ad

First National Bankers Bank Elevator Wrap

Southeastern Commercial Finance Web Page Banner Add

Foundation Life Insurance Company Wednesday Breakfast

TPC - The Payroll Company Lanyards

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ABA Chairman Cathy Owen, Eagle Bank, Little Rock; ABA Past Chairman Sean Williams, First National Bank, Wynne; and Chuck Hunt, First Tennessee Bank, Memphis, Tenn.

(Below) It was a packed room as American Bankers Association’s Rob Engstrom applauded the advocacy efforts of bankers across the state and country.

SNAPSHOTS

(Left) Shawn Gillis, CenterState Bank, Birmingham, Ala.; Trey Deupree, Equias Alliance, Plano, Texas; and Steve Ragland, Stone Bank, Mountain View.

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SNAPSHOTS Jim Tubbs, Regions Bank, Jonesboro; and Nick Roach, Stone Bank, Little Rock.

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(Above Left) Chris Meador, Cornerstone Bank, Berryville; and Matt Cleaver, Cornerstone Bank, Huntsville.

(Above) Attendees enjoyed a reception hosted by Mitchell Williams Law on Tuesday evening.

(Left) Dwayne Dickey, First Community Bank, Batesville; Shane Stracner, First National Bank of North Arkansas, Berryville; and Walt Davis, 3SI Security.

THANK YOU TO OUR TRADE SHOW VENDORS Thanks to these companies for taking the time to share their products and services with #ARHometownBankers!

Roger Sundermeier, First Arkansas Bank & Trust, Jacksonville; Amanda Turner, First National Bank, Wynne; and Stacey Martin, Simmons Bank, Little Rock, during a roundtable discussion on bank marketing.

3E Software, Inc. / Teslar

The Johanson Group / DB Squared

3SI Security

JMARK Business Solutions

All Covered

Kasasa

Bankers Healthcare Group

Magna IV

BKD, LLP

NetGain Technologies

Broadridge Financial Collateral Valuation Consultants CRA Partners DD&F Consulting Group Equias Alliance Federal Protection Ralph Bradbury, Arvest Bank, Little Rock; Brenda Scarbrough, Arkansas Bankers Association; and John Thomas Anderson, Malvern National Bank, Little Rock.

Finastra

OneDigital Health & Benefits PULSE SBS CyberSecurity Southern Pioneer Insurance StrategyCorps Strunk, LLC TPC - The Payroll Company Works24

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PROFESSIONAL DEVELOPMENT SPOTLIGHT Check out these upcoming 1-day events geared toward c-suite bankers:

Financial Services Symposium The Arkansas Bankers Association is partnering with BKD and other industry leaders for the 2018 Financial Services Symposium, where attendees will get expert guidance on topics redefining the banking industry. This one-day workshop will identify upcoming issues that may affect your bank, discuss major accounting issues affecting banks nationwide, and industry trends and best practices that can be applied at your bank.

Speakers for the day include Ken Rossi, Lance Davis, Jason Rader and John Griffin, all of BKD; and Jay Brogdon of Stephens, Inc.

On the Agenda

A&A Update Cybersecurity Threats & Risks Tax Reform Current Banking Environment and Future Trends Community Banking M&A and Capital Markets Discussion on Current Expected Credit Loss (CECL) For more information, or to register for the Financial Services Symposium, log on to www.arkbankers.org or call (501) 376-3741.

Who Should Attend: Bank Directors CEOs & CFOs Bank Officers

When:

Thursday, November 15, 2018 8:30 a.m. – 4:00 p.m.

Where:

Arkansas Bankers Association 1220 West Third Street, Little Rock

FDIC Banker Outreach The Arkansas Bankers Association is partnering with the FDIC to bring bankers an important update on emerging bank issues facing the industry. This program will give bankers the opportunity to network with their state and federal regulators, hear what is going on within Arkansas, and what it means to our banks and the overall commerce industry.

FDIC speakers for the day include Stephen Kiser, Regional Manager; Evelyn Rainey, Supervisory Examiner; Darin Flake, Risk Examiner; Linda Finck, Information Technology Examiner; Misty Micenhamer, Risk Examiner; and Ashlea Moyers, Financial Institution Examiner.

On the Agenda

FDIC State & Local Economic and Banking Industry Overview Corporate Governance Capital Adequacy Planning Information Technology / Cybersecurity Bank Secrecy Act Consumer Compliance Update Interest Rates & Liquidity “The Rise of Risk” For more information, or to register for the FDIC event, log on to www.arkbankers.org or call (501) 376-3741.

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Who Should Attend: Bank Directors CEO Bank Officers

When:

Thursday, November 29, 2018 9:00 a.m. – 3:00 p.m.

Where:

Embassy Suites 11301 Financial Centre Pkwy, Little Rock

December 5-6, 2018 Clinton Presidential Center, Little Rock

www.arkbankers.org/ABA/WomenInBanking.aspx

Join us in Little Rock December 5-6 for the fourth annual Women in Banking Conference! Wether you’re a seasoned banker or a recent hire, this event will provide you with great tips on thriving in the workplace and advancing your career! Bonus: The Women in Banking event helps you grow your tribe of peer supporters! Highlights include: I Have Your Back! Build Each Other Up, Not Down: Research shows that women consistently underestimate their competence and, as a result, experience lower levels of confidence compared to their male counterparts.

How can we overcome this confidence gap? One way we can help close this gap is by becoming powerful champions for each other. Certified Professional Co-Active Coach and self-described “Saboteur Whisperer” Sara Noll Wilson will lead us on a path of exploration on why women need to intentionally build each other up instead of breaking each other down. You will leave with powerful practices to become a powerful champion.

Step UP, Speak UP, Show UP: Confident Communication Strategies for Women in Business: How is your communication style holding you back? Professional mindset strategist and coach Debbie Peterson knows that communication is so much more than the words you speak. Get on board as she leads attendees toward taking charge of personal communication and getting the results we deserve!

Common Employment Law Misconceptions: The modern workplace puts a strong emphasis on diversity, and companies are working to invest and protect their most valuable employees... but there are always the “what ifs.” Tori Jones — an attorney specializing in labor and employment law, and a member of the Arkansas Association of Women Lawyers — will discuss FMLA and various employment laws that savvy women in the workplace should know.

How to Navigate Being a Woman in Banking in 2019: She is the Girl Banker, and she’s made it her mission to introduce and lift up other women in banking from Arkansas and the region. Join banker and blogger Natalie Bartholomew as she leads a panel of experienced women bankers in a discussion that covers salary negotiation, overcoming gender barriers in the workplace, and the struggles of being a working mom.

Holiday Sip & Shop Networking Event: Meet up with old friends, and make new

connections at the 2018 Women in Banking Holiday Sip & Shop networking event in the Hilton Garden Inn Ballroom. We will have local vendors selling jewelry, crafts, goodies, and more — so grab a glass of Moscato and knock some names off your Christmas list, or treat yourself!

For more information, log on to www.arkbankers.org/ABA/WomenInBanking.aspx or call (501) 376-3741.

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Let your voice be heard ! (without revealing your identity)

By taking our survey you are providing anonymous feedback that will be used to hold regulators accountable. More than 2000 bankers have already participated.

Take a stand. Take the survey.

Take the RFI survey at www.allbankers.org *

*RFI = Regulatory Feedback Initiative

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Arkansas Bankers Association a proud member of

MEMBER NEWS Arvest Among ‘Best Employers for Women’ Arvest Bank has been recognized

by Forbes magazine as one of “America’s Best Employers for Women.” The honor comes after Arvest was named one of “America’s Best Large Employers” in May, the second consecutive year it has received that honor. For the more recent list, Forbes employed its market research partner, Statista, to survey 40,000 Americans – including 25,000 women – working for businesses with at least 1,000 employees.

All the surveys were anonymous, allowing participants to openly share their opinions. Respondents were first asked to rate their organizations on criteria such as working conditions, diversity and how likely they’d be to recommend their employer to others.

Statista then asked female respondents to rate their employers on factors such as parental leave, discrimination and pay equity. These respondents also were asked to nominate organizations in industries outside their own. The final list ranks the 300 employers that both received the most recommendations and boast the most gender-diverse boards and executive ranks.

“We are honored to be recognized

by Forbes for the second time since May when it comes to maintaining a culture that appeals to and supports all of our associates,” Arvest president and CEO Kevin Sabin said.

“Knowing those who responded to this latest survey think so highly of Arvest for things like diversity and pay equity is very rewarding.

It reinforces our commitment to welcoming talent from different backgrounds and with different perspectives.”

Arvest is the only Arkansas-based company included on the list.

Citizens Bank Named National Community Commitment Winner

The Melba Theater restoration was the first project to receive funding through the IMPACT Independence Loan and Grant program.

Citizens Bank was nationally recognized Monday with a 2018 Community Commitment Award from the American Bankers Association Foundation for its Impact Loan & Grant Program and its role in the IMPACT Independence strategic community plan.

The award cites Citizens Bank for its efforts to redevelop Historic Downtown Batesville, as well as for its support of the IMPACT Independence effort to increase economic development across Independence County. The award will be presented to CEO Phil Baldwin in New York City on Tuesday, Oct. 23, at a national gathering of America’s leading banks.

Citizens Bank was ranked as the top bank in the United States in the ABA Foundation’s Community & Economic Development category, above hundreds of other banks nationwide that were also nominated.

Citizens Bank’s innovative community services program includes collaboration with community leaders on IMPACT Independence, a multi-faceted and countywide strategic initiative to overcome challenges, improve the local economy and provide for a high quality of life for community residents.

Citizens Bank reinforced the plan in 2016 with its Impact Loan & Grant Program, a five-year commitment offering a $10 million redevelopment fund for low

interest rate loans and a grant pool of $100,000. Thus far, the program has helped 45 businesses open or improve their properties.

“These Impact programs demonstrate Citizens Bank’s strong and passionate commitment to bettering the lives of its customers and local community,” said Rob Nichols, AmBA president and CEO. “Their work embodies the mission of the Community Commitment Awards and they are a truly well-deserved recipient.”

“Citizens Bank and our employees are always working to find new and meaningful ways to positively impact our community,” said Phil Baldwin, Citizens Bank CEO. “We are humbled and honored to accept this award for our efforts.”

Entries in the annual ABA Foundation Community Commitment Awards were divided into six categories, including affordable housing, community and economic development, financial education, economic inclusion, protecting older Americans and volunteerism. Award winners were chosen by a field of nationally-recognized experts.

The selection committee chose six banks based on the creativity and thoughtfulness of programs – traditional or innovative in nature and structure – that embody the ideals of corporate social responsibility and demonstrate success in measurable terms.

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INDUSTRY NEWS

Statewide Coalition Working to Expand Access to Banking in Underserved Communities One in ten Arkansas households does not have a bank account. Of those that do, over 22 percent rely on costly services to access their own money or cover monthly basics like rent, utilities, food, and medicine—paying more to just get by.

Recognizing that these individuals often fall victim to highrisk, costly financial situations that trap them in a cycle of debt, dependency, and potential poverty, the Arkansas Asset Funders Network seeded a coalition to ensure that underserved Arkansans have access to banking options that help improve their financial outlook.

Bank On Arkansas+ is a partnership among financial institutions and community organizations to promote “safer” accounts that are free or low-cost and have no to low opening deposit requirements and no overdraft fees.

Nonprofits and other community partners are trusted sources of information within underserved communities that help a broad range of clients understand how banking can support their efforts to become more financially independent and reach their goals.

Bank On Arkansas+ will officially launch on Nov. 1 with a press event at the University of Arkansas at Little Rock. On Friday, Nov. 2, and Saturday, Nov. 3, local community events will take place around the state to highlight financial services and partners in specific communities.

Currently, six financial institutions in Arkansas have nationally certified Bank On accounts: Bank of America, Diamond Lakes Federal Credit Union, IBERIABANK, Southern Bancorp, U.S. Bank, and Wells Fargo. Others are in the process of having their accounts certified—Citizens Bank, First Community Bank, First Security Bank, and Simmons Bank.

It’s the community nonprofit partners who will help their lowand moderate-income clients understand this new Bank On option and navigate opening accounts.

“Community action agencies seek to promote household stability and movement towards economic security among low- to moderate-income Arkansans, while also supporting positive community initiatives through strategic partnerships,” said Terry Bearden, interim chief operations officer for Arkansas Community Action Agencies Association, Inc. “The community action agencies in Arkansas will provide referrals to participating local financial institutions as part of their strategic approach to meeting local needs and promoting positive family and community outcomes.”

Recognizing that bank accounts are just a first step in helping people become more financially stable, the Bank On Arkansas+ initiative is working with “Plus Partners” that are able to offer additional services such as financial education

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and coaching, credit building, debt repair, micro-loans, and small business development.

Bank On Arkansas+ is supported by sponsorships from ARVEST, Carl B. and Florence E. King Foundation, Cities for Financial Empowerment Fund, Entergy Arkansas, First Security Bank, IBERIABANK, Regions Bank, and Southern Bancorp.

“Entergy Arkansas sees Bank On Arkansas+ as a tremendously beneficial initiative for those of our customers who live under tough financial circumstances,” said Tom Kennedy, vice president of regulatory and public affairs for Entergy Arkansas.

“Having a bank account opens doors and protects people from financial predators. We’re proud to support a program with so much potential for improvements in the lives of those who need it most.”

The coalition is continually accepting partnership opportunities from financial institutions, nonprofits, and other organizations that want to engage in the initiative. To request more information, email Stephanie Matthews, director of Bank On Arkansas+, at stephanie@assetfunders.org. A media kit may be downloaded from www.BankOnAr.org/resources.

BANKER NEWS & MOVES Simmons Names SVP, Commercial Banking Simmons Bank has named David Stogsdill senior vice president of commercial banking.

Stogsdill will spearhead customer acquisition and oversee growth for commercial clients across central Arkansas.

“David exemplifies all the qualities that set our bank apart,” said Jay Meador, Simmons Bank’s lending manager and president of private banking in Arkansas.

“He is respected in our community, and we are eager for our clients to experience his passion, excellence and solutions-oriented approach to their needs.”

Stogsdill’s transition to Simmons follows more than 15 years in the financial services industry. He began his banking career at Nuvell Financial Services, where he was selected for the Nuvell Financial Fundamental Leadership Development and Management Program.

In 2013, Stogsdill was recognized as the William H. Bowen Commercial Sales Person of the Year by former employer Regions Bank.

A graduate of Ouachita Baptist University and Leadership Greater Little Rock Class XXXIII, Stogsdill serves as a board member for Heart of Arkansas United Way. He is a past board member for the Central Arkansas RMA and Centers for Youth and Families Young Professionals Board, and a past committee member for

Bank Dept.

Promotions

Arkansas Foodbank’s Empty Bowls Fundraiser. n

The Arkansas State Bank Department promoted Joel Futrell and Daniel Park to Bank Junior Examiner.

Adam Chase, Kelly Davis and Wes Mathis were promoted to Bank Senior Examiner. All promotions were effective September 23, 2018. n

Stone Bank Adds Two in Little Rock Stone Bank has added Cierra Carter and Will Yarbrough to its customer service staff in Little Rock.

Cierra Carter was formerly a head teller for Peoples Bank in Little Rock.

Will Yarbrough, was a teller for Eagle Bank and Trust and is also a combat engineer for the Army National Guard. n

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Your Vote, Your Voice.

Join #ARHometownBankers at the polls on Tuesday, November 6!