Officers & Directors Spring Conference 2026

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Fraud Academy A U G 1 8 - 2 0 , 2 0 2 6 | H yat t R e g e n cy, L e x i n g t o n K Y Consider this a warning to bad guys everywhere:

For years, fraudsters have exploited gaps in our defenses, stolen from our customers, and walked away clean.

That stops now.

Led by U.S. Secret Service agents, federal investigators, and fraud prevention specialists, Fraud Academy is an annual two-day intensive built to transform banking professionals into the first line of attack against fraud.

Covering 18+ fraud risk areas from check fraud, elder fraud, cybercrime, AI and more...every angle criminals use to infiltrate your systems and hurt your customers is addressed. Bankers learn how fraudsters think, how to identify their patterns, and how to shut them down before they strike.

R e g i s t e r O n l i n e at F r a u d A c a d e m y H Q .c o m 2

Welcome to the KBA Officers & Directors Spring Conference 2026 This year, we’ve doubled down on what worked in 2025, focusing squarely on your esteemed officers and directors. The folks who set the direction of your bank. The ones regulators are paying closer attention to than ever before. And the ones who, when properly equipped, make all the difference between a bank that merely survives the next regulatory cycle... and one that thrives through the entire ordeal.

Make no mistake, the regulatory landscape isn’t getting any simpler. We’re watching the GENIUS Act roll out with stablecoin loopholes wide enough to drive billions in deposits straight out of community banks. The SBA quietly stripped the 5% investment rule from the 7(a) program, and we’re still waiting for them to come to their senses. The DIF conversation continues. And on the state level, our friends at the credit unions are once again angling for public deposits while paying no income tax. ZERO. You can’t make this stuff up.

That’s the world your board is being asked to navigate. And that’s exactly why we built this program.

Over the next three days, you’ll hear directly from regulators, examiners, and industry experts who can help you understand what’s coming and how to prepare for it. You’ll earn 9.75 CRCM and CERP continuing education credits. You’ll receive a KBA Certificate of Completion to show regulators that your institution takes board education seriously. And you’ll walk away with the kind of insight that actually moves the needle when you get back home.

Officers & Directors Spring Conference also kicks off the KBA’s full event circuit for the year. Next up, we head out across the Commonwealth for Group Meetings. We’ll also be hosting our Women in Banking Conference right here in Louisville. Fraud Academy continues to grow in size and influence, because the bad guys are on the move and we intend to stay a step ahead of them. And it all builds toward our Annual Convention this year at the historic Mayflower Hotel in Washington, D.C., hosted during the 250th Anniversary year of the USA! The timing couldn’t be more perfect. Registration is extremely limited given the location, so if you want to be part of something special, let us know as soon as you can.

For now, enjoy your weekend in beautiful downtown Louisville. Take advantage of the speakers, the conversations, the exhibitors, and yes, the networking and a little bourbon. When in Rome...

Thank you for being here, and thank you for everything you do for your communities across the bluegrass. Enjoy your time with us as we navigate the rough waters of boardroom compliance together!

Ballard W. Cassady, Jr. President & Chief Executive Officer Kentucky Bankers Association

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We Know Banks!

Your bank faces more uncertainties than ever...its insurance shouldn’t be one! How confident are you in your current coverages? Let our expert team review your policies!

Visit us online and schedule your review at www.kenbanc.com today!

Property & Casualty Collateral Protection Employee Benefits Fee Income Cyber Boli

Chuck Maggard President & CEO

606-682-1950 cmaggard@kybanks.com

Lisa Mattingly

Benefit Solutions Director of Sales & Services 502-377-4048 lmattingly@kybanks.com

Brandon Maggard Account Representative 606.682.2769 bmaggard@kybanks.com

KENTUCKY First Quarter 2026

See the opportunity today for better performance tomorrow

“The reports provide critical information on a quarterly basis regarding how we are trending compared to other financial institutions in our state.”

WHO WE ARE?

Mr. H. Alexander Downing President & CEO Franklin Bank & Trust Co. Franklin, KY

Strategic Profit Planning

BPR.Services info@bpr.services

Board Reporting

Competition Analysis

Performance Measurements

Current Trends

Comprehensive Quarterly Analysis

Custom Performance Reports

All Commercial Banks in a State Rankings for Major Operating Ratios and Overall Performance Yield and Cost Data on Competitors Efficiency and Overhead Analysis

Pricing Comparison by Loan and Deposit Type Growth Analysis by Loan and Deposit Type Comprehensive Peer Analysis

Sunday April 19 2026 Location: Olmsted Ballroom

2:00 - 3:00 PM

Registration & Refreshments with Exhibitors 3:00 - 4:00 PM

Elevate Your Leadership: Leading on Purpose with Passion Mike Oster, Brigadier General, Army

4:00 - 5:00 PM

Director Responsibilities and CRE Issues Ken Pennington, Deputy Commissioner, Kentucky Dept. of Financial Institutions

5:00 - 6:30 PM

Cocktail Reception Olmsted Prefunction Sponsored By: Clark Schaefer Hackett, CRS Data, K4 Architecture + Design, & Profit Resources

Dinner on Your Own

Exhibitor Giveaways Find them in the exhibitor hall to win!

Baker Group - Amazon Echo Show NBID - Apple AirPods Max Vivitec - Dark Web Report

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Monday April 20 2026 Location: Olmsted Ballroom

7:00 - 8:00 AM

Breakfast Sponsored By: American Bankers Association

8:00 - 9:00 AM

Navigating Succession Charlie Riggs, Supervisory Examiner, Federal Reserve Bank of St. Louis

9:00 - 10:00 AM

Washington Legislative Update Blake Earley, SVP Congressional Relations & BankPac, ABA

10:00 - 10:15 AM

Refreshment Break 10:15 - 11:15 AM

Today’s FDIC Teresa Sabanty, Deputy Regional Director, FDIC

Lunch on your own 1:00 PM

Golf Tournament Champions Pointe / Box lunches provided for registered golfers.

6:00 - 7:00 PM

Reception with Exhibitors Olmsted Prefunction

7:00 - 9:00 PM

Banquet Entertainment by the Kentucky School of Bluegrass and Traditional Music

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Tuesday April 21 2026 Location: Olmsted Ballroom

7:00 - 8:00 AM Breakfast Sponsored By: American Bankers Association

8:00 - 9:00 AM

Corporate and Risk Governance Chris Blau, Assistant Deputy Comptroller & Paul Wydler, Assistant Deputy Comptroller Analyst, OCC

9:00 - 10:00 AM

2026 Economic Outlook: Trying to Find Some Certainty in an Uncertain World Tom Fitzgerald, SouthState Securities

10:00 - 10:15 AM

Refreshment Break 10:15 - 11:15 AM

Charting the Course: Third-Party Vendor Due Diligence & Interconnection Kim Atkinson, Sr. Risk Specialist, TPRM, & Bryan Calhoun, Sr. Examiner, Fintech/ A.I., & Matt Hartman, Banking Analyst II, Related Regulatory Guidance from Agencies | Federal Reserve Bank of Cleveland

11:15 - 12:15 PM

Fireside Chat Eric Wood, NFL Center and commentator, & Tim Schenk, KBA General Counsel 12:30–3:00 pm

12:30 - 3:00 PM

Leadership Division Meeting (Members Only)

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The World has Changed.

Is Your Tech Ready To Meet It?

Find us at the spring conference for a

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THANK YOU

SPONSORS Colonel

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THANK YOU

SPONSORS Thoroughbred

Bluegrass

Commonwealth American Bankers Association Atlantic Community Bankers Bank Brean Capital HUB | Taylor Advisors

Krieg DeVault LLP Oculus Software Pacific Coast Bankers Bank United Bankers’ Bank

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555 GEST ST, CINCINNATI, OH 45203

Register Today!

A Kentucky Bankers Association Event | July 27–28, 2026 Hosted in the historic Marriott Griffin Gate Resort, Lexington, KY Featuring Keynote Speaker

Holly Hoffman Survivor Alumna · Author · Certified Speaking Professional

Holly Hoffman was the last remaining member of the Espada Tribe and the last woman standing on Season 21 of CBS’ Survivor Nicaragua. That experience — and the challenges she’s faced throughout her life — inspired her to share her message of survival with audiences around the world.

Join Holly at this years’ KBA Women in Banking Conference, built for women at every level of the industry — from tellers to the C-suite. You’ll walk away with practical strategies, fresh perspectives, and a network of women who just get it.

Visit us at kbawomeninbanking.com for registration details and hotel info.

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Responsive.

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A focus on banking law since 1974.

LEXINGTON

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APP DEADLINE

YEAR I BEGINS

YEAR II BEGINS

LOCATION

MAY 18, 2026

JUNE 1, 2026

MAY 31, 2026

THE CAMPBELL HOUSE LEXINGTON, KY

GBS is designed for bankers who are ready to move beyond their department and gain a deeper understanding of their entire institution. Every decision, every risk, every opportunity, masterfully examined in our two year program. GBS bridges the gap between where you are and where the bank needs you to be, so sign up today to launch your career!

“When I signed up, I had only been in banking for roughly one year. After completing the two-year course, I felt equipped and up to speed with the knowledge I needed to kick start my career in lending.”

Craig Lyons · First Southern National Bank

http://www.kybanks.com for more info.

Classroom sessions cover macroeconomics, financial analysis, credit administration, risk management, strategic planning, and more — capped by BankExec, a live bank management simulation developed by the ABA and FDIC.

2026 SPEAKERS This year’s Spring Conference brings together an exceptional roster of speakers from across the banking, regulatory, and military leadership landscape. Their sessions span governance, economic outlook, legislative affairs, and the kind of transformational leadership that defines careers.

KEYNOTE SPEAKER

Mike Oster

Brigadier General, South Dakota Army National Guard

“Elevate Your Leadership: Leading on Purpose with Passion” SUNDAY, APRIL 19 · 3:00–4:00 PM A combat veteran who served in both Operation Iraqi Freedom and Operation Enduring Freedom, Mike has led a Fortune 500 team, served as an elected official, and built multiple successful businesses from the ground up. He holds a Master’s degree in Industrial Management from South Dakota State University and is a graduate of the United States Army War College. His opening session tackles a question every banker faces: how do you lead effectively when the stakes are high and the landscape is constantly shifting? His answer is to lead with purpose, empathy, and influence rather than authority. A message that resonates whether you’re in the C-suite or supporting your team from behind the scenes.

F I R E S I D E C H AT

Eric Wood

Former NFL Pro Bowl Center · Buffalo Bills Radio Analyst

Fireside Chat with Eric Wood & Tim Schenk TUESDAY, APRIL 21 · 11:15 AM–12:15 PM A former NFL center, Pro Bowl selection, and proud Cincinnati native, Eric Wood played nine seasons with the Buffalo Bills. A first-round draft pick out of the University of Louisville, he started 120 games, earned a Pro Bowl nod in 2015, and was a two-time nominee for the Walter Payton NFL Man of the Year Award. Since retiring, he’s become the color commentator on the Buffalo Bills Radio Network and host of the Centered on Buffalo podcast. A Louisville guy through and through -- you don’t want to miss this one.

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F E AT U R E D S P E A K E R

Ken Pennington

Deputy Commissioner, Kentucky Department of Financial Institutions

“Director Responsibilities and CRE Issues” SUNDAY, APRIL 19 · 4:00–5:00 PM Ken Pennington served 23 years in varying roles with the Kentucky Department of Financial Institutions including Deputy Commissioner, Division Director, and Bank Branch Manager before retiring in 2006. After his retirement, he served as a field examiner with the FDIC for 17 years. Ken returned to the Kentucky Department of Financial Institutions as Deputy Commissioner in 2025.

F E AT U R E D S P E A K E R

Charlie Riggs

Supervisory Examiner of Safety & Soundness, Federal Reserve Bank of St. Louis

“Navigating Succession” MONDAY, APRIL 20 · 8:00–9:00 AM Charlie Riggs is a Supervisory Examiner of Safety & Soundness with the Federal Reserve Bank of St. Louis, based out of the Louisville Branch. He has been with the FRB for five years. Prior to joining, he spent 6.5 years with the Kentucky Department of Financial Institutions, where he served as a certified examiner and Depository Division Director.

F E AT U R E D S P E A K E R

Blake Earley

SVP Congressional Relations & BankPac, American Bankers Association

“Washington Legislative Update” MONDAY, APRIL 20 · 9:00–10:00 AM Blake Earley joined the American Bankers Association in January 2022, where he serves as Senior Vice President of Congressional Relations and BankPAC. In this role, he leads ABA’s lobbying efforts with House Republican offices, advancing the banking industry’s priorities on tax policy, regulatory reform, and key legislation. Prior to joining ABA, Blake spent eight years at Regions Bank, bringing a firsthand understanding of the community and regional banking landscape to his work on Capitol Hill.

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F E AT U R E D S P E A K E R

Teresa Sabanty

Deputy Regional Director, Federal Deposit Insurance Corporation

“Today’s FDIC” MONDAY, APRIL 20 · 10:15–11:15 AM Teresa Sabanty is the Deputy Regional Director with the Federal Deposit Insurance Corporation within the Division of Depositor and Consumer Protection, based out of the Chicago region.

F E AT U R E D S P E A K E R S

Chris Blau & Paul Wydler Office of the Comptroller of the Currency

“Corporate and Risk Governance” TUESDAY, APRIL 21 · 8:00–9:00 AM Chris Blau oversees a portfolio of community banks across three states from the OCC’s Louisville, Kentucky office, after serving in a similar role in Boston. He has held several leadership roles including Examiner-in-Charge of Old National Bank and key capital markets positions across both midsize and large bank supervision. He is actively involved in examiner development as a mentor and national training instructor. Chris earned his degree from West Texas A&M University and was commissioned as a National Bank Examiner in 2011.

Paul Wydler began his OCC career in 2015 in Charlotte, North Carolina, and moved to the Washington, DC office in 2017, where he was commissioned as a National Bank Examiner in 2021. He has led and supported examinations across community, midsize, large, and trust banks, with a focus on commercial credit, capital markets, BSA, and trust. Paul earned his B.S. in Finance from Virginia Tech in 2014.

F E AT U R E D S P E A K E R

Tom Fitzgerald

Senior Vice President, Fixed Income Strategies Group · South State Securities

“2026 Economic Outlook: Trying to Find Some Certainty in an Uncertain World” TUESDAY, APRIL 21 · 9:00–10:00 AM Tom Fitzgerald has been with SouthState Securities, or one of its predecessors, since 2009, where he writes extensively on macro-economic topics with a focus on the impact on community banks. He is also one of 70 economic contributors to Bloomberg. Previously, he spent 10 years as a Director and Senior Analyst in Fixed Income Research for the Debt

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Capital Markets Division of SunTrust Robinson Humphrey, and began his career as a thrift examiner during the height of the S&L crisis in South Florida.

F E AT U R E D S P E A K E R

Kimberly Atkinson

Senior Examiner, Federal Reserve Bank of Cleveland

Bryan Calhoun

Senior Examiner, Federal Reserve Bank of Cleveland, Cincinnati Branch

Matthew Hartman

Banking Analyst II, Federal Reserve Bank of Cleveland, Pittsburgh Branch

“Charting the Course: Third-Party Vendor Due Diligence & Interconnection” TUESDAY, APRIL 21 · 10:15–11:15 AM Kimberly Atkinson is a Senior Examiner in the Supervision and Regulation Department at the Federal Reserve Bank of Cleveland, where she focuses on governance and controls risk including internal audit, enterprise risk management, third-party risk, and fiduciary activities. She joined the Cleveland Fed in 1995 and has served as a fiduciary examiner, quality assurance program founder, and department training examiner. She holds a BA in accounting and economics and an MBA from Baldwin Wallace University, and is a graduate of the Graduate School of Banking at the University of Wisconsin-Madison.

Bryan Calhoun is a Senior Examiner in the Supervision and Regulation Department at the Federal Reserve Bank of Cleveland. He serves as the central point of contact for a statemember regional banking organization and leads the Emerging Technology and Innovation Risk Committee within the Reserve Bank. Prior to joining the Cleveland Fed in 2016, he spent 10 years with the Kentucky Department of Financial Institutions in various leadership roles. He holds a BBA from the University of Kentucky and a degree from the Graduate School of Banking at Colorado.

Matt Hartman is a Banking Analyst II in the Supervision and Regulation Department at the Federal Reserve Bank of Cleveland, specializing in data surveillance and banking trend identification. He serves as a liaison to the Risk Committees and is the alternate lead of the Emerging Technology and Innovation Risk Committee. Prior to joining the Cleveland Fed in 2021, he held roles at KeyBank in model risk governance and at PNC Bank in quantitative analysis. He holds a BS in mathematics from Xavier University, an MA in mathematics from the University of Colorado at Boulder, and is a Chartered Financial Analyst (CFA) roles. He holds a BBA from the University of Kentucky and a degree from the Graduate School of Banking at Colorado.

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With over $700 million in loans originated to date and more than 9,000 affordable units built or rehabbed, HOPE has connected bankers and developers to make impactful projects a reality. From historic preservation at Gateway on Broadway (Louisville, KY) to modern family living at Richwood Bend Apartments (Lexington, KY) and new housing for tornado-affected residents (Western Kentucky), HOPE is transforming communities across the region. Learn how you can join this mission to build a brighter future at hopeofthemidwest.com.

PATHWAYS TO SUCCESS

Pathways to Success returns for its third year as the premier conference built for every banker ready to take their career seriously. Whether you’re a teller, a loan officer, or somewhere in between, this is your event!

Network with bankers across Kentucky, learn from an incredible lineup of speakers, and tap into the mentorship and energy that’s made Pathways one of the Kentucky Bankers Association’s most talked-about events.

Individual : $325.00 | Table of 6 : $1,500.00 For a table of 6, email Paula Cross at pcross@kybanks.com ORIGIN LEXINGTON HOTEL | 4174 ROWAN, LEXINGTON, KY KYBANKS.COM FOR MORE INFO.

July 8 6:00 PM - 7:30 PM

Welcome Cocktail Reception Manchester Hotel

July 9 8:00 AM - 9:00 AM

Breakfast

9:00 AM - 9:30 AM

Speed networking

9:30 AM - 11:00 AM

Transformative Trailblazers: Leading Through Change and Building the Workforce of The Future, with Kylie Bragdon

11:00 AM - 11:15 AM

Break

11:15 AM - 12:15 PM

Fraud Awareness For Bankers, with Shane Ensminger

12:15 PM - 1:15 PM

Lunch

1:15 - 2:15 PM

Image Quest: The AI Edge: Preparing Emerging Leaders for a Digital Banking Revolution, with Milton Bartley

2:15 PM - 2:30 PM

Break

Our commitment to Kentucky Bankers runs deep fid dence in your healthcare is Having confi paramount. With Anthem, you are e m p o w e r e d to c h o o s e a p l a n t h a t m a k e s you feel protected and cared for.

As one of our longest-tenured programs, the KBA A Health Plan reflects a trusted and well-established relationship, built on many years of successful collaboration.

A's Association To learn more about the KBA Health Plan, please visit www.kybanks.com.

Anthem.+.V. Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of Kentix:ky, Inc Independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered troderoork of Anthem Insurance Companies, Inc

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EXHIBITORS Name

Company

Contact

Robert Ney

46Solutions

rney@46solutions.com

Mike Bush

Ascensus

Michael.Bush@ascensus.com

Braden Eggleston

Baker Group

beggleston@gobaker.com

Tyler Cook

Banc Card of America

tyler.cook@banccard.com

Ryan Gumbert

Banc Card of America

rgumbert@banccard.com

Matt Vance

Bank Performance Reports

info@bpr.services

Rachel Thornton

BHG Financial

rthornton@bhg-inc.com

Brittney Stacey

Compliance Alliance

brittney@bankersalliance.org

Brooke Smith

FHLB Cincinnati

smithb@fhlbcin.com

Montez Shugars

FHLB Cincinnati

ShugarsMK@fhlbcin.com

Billie Wade

HOPE of the Midwest

bwade@kybanks.com

Jay Mallory

ImageQuest

jmallory@imagequest.com

Milton Bartley

ImageQuest

mbartley@imagequest.com

Jennifer Donahue

ImageQuest

jdonahue@imagequest.com

Noah Zaken

IntraFi

nzaken@intrafi.com

Christopher Terreault

Investors Title

cterreault@invtitle.com

Michael Fox

K2 Advisors Group

mfox@k2advisorsgroup.com

Joe Toman

K4 Architecture & Design

jtoman@k4architecture.com

Scott Landreth

K4 Architecture & Design

slandreth@k4architecture.com

Mike Christensen

K4 Architecture & Design

mchristensen@k4architecture.com

Matt Vance

KBA Retirement Solutions

mvance@kybanks.com

Lisa Mattingly

KenBanc Insurance

lmattingly@kybanks.com

Chuck Maggard

KenBanc Insurance Services, Inc.

cmaggard@kybanks.com

Brandon Maggard

KenBanc Insurance Services, Inc.

bmaggard@kybanks.com

Selina Parrish

Kentucky Bankers Association

sparrish@kybanks.com

Cameron Dudley

NBID

cameron@modernfi.com

Ken Scheuer

OCCH

kscheuer@occh.org

Sam Clendening

QSIBanking

samuel.clendening@qsibanking.com

Rob Buchanan

Shazam

rbuchan@shazam.net

John Marshall

Unified Technologies

jmarshall@unified-team.com

Michael Gabhart

Unified Technologies

mgabhart@unified-team.com

Ryan Rigsby

Vivitec

ryanrigsby@vivitec.net

Scott Frazier

Vivitec

Scottfrazier@vivitec.net

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KENTUCKY BANKERS RELIEF FUND BANKERS FIRST!

HOW YOU CAN HELP Your donations provide immediate assistance to bankers and their families in times of crisis. Every dollar helps deliver critical support to the hardesthit areas.

The Kentucky Bankers Relief Fund was established in 2005 in response to Hurricane Katrina to provide direct financial assistance to communities affected by natural disasters.

Today, the fund is dedicated to helping Kentuckians recover when disaster strikes, ensuring aid reaches those who need it most—quickly and effectively.

All donations are tax deductible.

DONATE NOW

How the Relief Fund Works •

100% of donations go directly to those in need—no administrative fees are taken.

•

Aid is coordinated with impacted banks to prioritize affected bank employees and their communities.

•

Relief efforts are tailored to each disaster, ensuring resources are distributed effectively.

THANK YOU FOR ATTENDING!

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E D U C AT I O N C O R N E R

You’re invited to...

Celebrate America’s 250th Anniversary!

The 135th

Annual Convention A Kentucky Bankers Association Event | September 19 – 21, 2026 Hosted in the historic The Mayflower Hotel | Washington, D.C.

Engage directly with federal regulators and policy leaders Network with 200+ banking professionals from across the Commonwealth Experience the best of Washington, D.C., together!

Registration Opens Soon

Visit us at kbaconvention.com for registration details and hotel info.