The Missouri Banker Volume 71, Number 1 • THE NEWSPAPER OF THE MISSOURI BANKERS ASSOCIATION • January 2015
MBA Outlines Legislative Priorities For 2015 Session By Lori Bruce Communications Director MBA The start of a new year brings about several changes in people’s lives. For the Missouri Bankers
Association, the start of a new year coincides with the beginning of the Missouri General Assembly. From January through mid-May, the majestic halls of the Missouri State Capitol stir with activity as state
representatives and senators debate potential laws for Missourians. For MBA, the legislative session brings opportunities to discuss the banking industry. In monitoring legislation at the Missouri Capitol, MBA shares its views on bankers’ behalf with representatives and senators, reminding them how proposals will affect communities and bankers throughout the state. “Many of the senators and representatives have ties to their local community banks, and they ask us about potential outcomes on the banks and their customers if the bill passes,” said Craig Overfelt, MBA senior vice president. “They want to know if these measures will enhance or harm economic activity for their communities.”
Sen. Brian Munzlinger, R-Williamstown, is sponsoring Senate Bill 12, an agriculture measure that includes language supported by MBA to correct problems with agriculture land lending. The legislation does not include any provisions on the regulation of captive deer, which was included in the omnibus agriculture bill that Gov. Nixon vetoed in 2014.
Among the thousands of bills filed each year, several have ties to the banking industry, and this year is no exception. However, Overfelt notes one particular bill of interest — House Bill 204. Sponsored by Paul Curtman, R-Union, House Bill 204 would eliminate most negotiated bond underwriting and sales. If passed, it would create significant issues for local community banks. “MBA’s number one priority is to defeat House Bill 204. If it passes, local community banks would not be able to purchase local school district and political subdivision
bonds,” Overfelt said. “Rather, large firms would dominate a market that only allowed competitive bond sales. “The banking industry is united in its opposition to House Bill 204,” Overfelt said. “There really is no reason to eliminate negotiated bond sales and take the local banks out of the process of supporting their local communities.” A measure similar to House Bill 204 was defeated in the 2014 legislative session. Despite banks’ unified opposition on this measure, Overfelt believes it may be more difficult to stop the legislation this year. “The bill’s sponsor is off to a much quicker start in promoting the legislation,” Overfelt said. “We’ll need numerous bankers to contact their representatives and explain the negative consequences of this bill to local banks, school districts and communities.” One avenue to pursue in this dialogue with lawmakers is through MBA’s Target Banker Program, the association’s chief grassroots lobbying activity in which bankers discuss issues directly with representatives and senators. MBA will kick off its Target Banker visits Tuesday, Feb. 3, and additional visits are scheduled throughout February, March and April. These visits begin at 9 a.m. at MBA’s office. Bankers
Visit our web site at mobankers.com.
receive a short briefing from MBA staff on the “issue of the day,” including background and talking points when necessary. MBA staff then accompanies bankers to the Capitol to meet their representatives and senators. “Through these Target Banker visits, MBA has a continuous presence at the Capitol throughout the session. Legislators hear directly from you, their constituents, about how issues important to the banking industry affect their districts,” Overfelt said. Bankers can schedule their Target Banker visit online at mobankers.com. A password is required to register for a visit, and bankers will receive email confirmation of their appointment. In addition to the bond underwriting and sales measure, MBA also is monitoring several other bills. Among those supported by MBA are the following. • enhancing the crime of bank robbery • extending loan servicing protections under the Missouri Merchandising Practices Act • allowing for electronic lien releases on personal property • fixing agricultural land lending provisions in state law • clarifying the receivership law continued on Page 9
Page 2
The Missouri Banker • January 2015
Chairman’s Corner
What’s Your Involvement With MBA? Dan Robb Chairman Missouri Bankers Association
Welcome to 2015! The fresh start of a new year brings hope and optimism as we look to the future and how we can better ourselves in the coming year. Each year, I set both personal and professional goals for myself. The Missouri Banker
573-636-8151 Max Cook Publisher cmcook@mobankers.com Lori Ann Bruce Editor lbruce@mobankers.com The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published 12 times a year (once a month) by the Missouri Bankers Association, 207 E. Capitol Ave., Jefferson City, MO 65101. Second-class postage is paid at Jefferson City, Mo. Copyright© 1998 by the Missouri Bankers Association. All rights reserved. POSTMASTER: Send address changes to The Missouri Banker, P.O. Box 57, Jefferson City, MO 65102. Opinions expressed in any signed article in The Missouri Banker are those of the author and should not be construed as the viewpoint of the editors or of the Missouri Bankers Association. Neither should information provided in The Missouri Banker be construed as legal advice. The Missouri Banker does not provide legal advice, nor does it take the place of legal counsel hired by financial institutions. While this publication makes a reasonable effort to establish the integrity of advertisers, it does not endorse advertised products or services, unless otherwise so stated. This issue may contain legislative advertising. Advertising copy is generally segregated from news and other information.
Address Changes Submit address changes for The Missouri Banker to MBA, P.O. Box 57, Jefferson City, MO 65102, Attn: Database Manager or email database@mobankers.com.
Sometimes I succeed, and other times I fall short, despite my best efforts. Regardless of the outcome, I can honestly say this … I gave it a shot, and I don’t regret taking a chance. After all, how can a failure be a defeat if we learn something about ourselves in the process? As chairman of your association, I have a challenge for every banker in 2015 — become more involved with the Missouri Bankers Association. This is your banking association … your views of the association stem from your engagement with MBA and your fellow bankers. MBA offers numerous activities for virtually everyone in your bank to be active members in the association. From its advocacy initiatives to educational programs to social media channels, MBA provides bankers several outlets to enhance their participation with the association. Just consider this small sampling available from MBA. Target Banker Program — The start of the state legislative session is a perfect time to connect with MBA on our advocacy efforts. I highly encourage you to schedule
a Target Banker visit this session; it’s a decision that will significantly affect your bank and community. I have personally been involved in Target Banker visits since the late 90s. During these visits, it made me want to become more active in MBA. Interacting with legislators is critical to the success of our industry. It is virtually impossible for our elected officials to know everything about the banking industry. By sharing our stories and opinions with representatives and senators, it puts a constituent’s face with our causes and concerns. During these Target Banker visits, I saw firsthand how the interaction with my elected officials benefited our industry. The more I became involved with these visits, the more I understood how important it is to be more engaged in MBA. The Missouri Bankers Association is our association. If you are a banker in Missouri and if banking is important to you, then you should be involved in your association. I realize many will say someone else will be involved in MBA, someone else will go to Jefferson City, and someone
else will go to Washington. D.C. The fact is that there are only so many “someone else’s” out there. If banking is your career, YOU need to be involved. Start by making a Target Banker visit to Jefferson City this spring. No experience is needed! MBA staff will guide you through every step of the visit. I encourage you to bring young bankers with you and introduce them to the process at the same time. Our future in the banking industry depends on “someone” making the effort. Please make that “someone” you. MBA Education Programs — As previously mentioned, the start of a new year offers many possibilities to foster career growth and learning. As you evaluate your professional goals for 2015, I encourage you to consider MBA programs for you and your staff. From seminars to webinars to banking schools to conferences, MBA offers an array of learning opportunities featuring national experts in our industry. These programs offer bankers outstanding resources to enhance their skills and achieve high performance for their customers. To learn more
about these programs, visit mobankers.com. MBA and Social Media — Our engagement with MBA and our fellow bankers also extends through social media channels — Facebook, Twitter and LinkedIn. If you or your banks have accounts on these platforms, follow MBA for the latest developments in our industry and neighboring communities. These online communities are a great way to interact with fellow bankers, as well as national experts in the banking community. You can find us at facebook.com/mobankers, twitter.com/mobankers and linkedin.com/company/missouri-bankers-association. MBA members have wonderful opportunities to interact with the association and their fellow bankers; there’s no excuse not to participate. We can’t fight alone … it takes many voices and hands to keep our agenda front and center. The question is this — what will you do to keep fighting the good fight?
In Memoriam Gene Irvin of Adrian died Saturday, Dec. 20, after fighting a battle with cancer. Gene was the chairman and CEO of Adrian Bank. Funeral arrangements were under the direction of Atkinson Funeral Home in Harrisonville. Please keep Gene’s family in your thoughts.
Loren W. Schneider of Gower passed away Friday, Jan. 2. A banker for more than 50 years, Loren’s family acquired the Farmers Bank of Gower in 1957. Funeral arrangements for Loren were under the direction of Hixson-Klein Funeral Home in Gower. Please keep Loren’s family in your thoughts.
WANT THE LATEST NEWS FROM MBA? Email database@mobankers.com and request to receive Missouri Banker Update that is emailed Tuesdays and Thursdays.
The Missouri Banker • January 2015
Page 3
Lobbyist’s Update
Session Gets Underway At State Capitol Craig Overfelt MBA Senior Vice President coverfelt@mobankers.com Veteran MBA lobbyist Bill Ratliff likes to remind us that some issue no one has anticipated comes up every session ... and it won’t be good for bankers! Of the 800 bills introduced as of this writing, I am pleased to report there are no surprise bills. There are, of course, some that MBA supports and some that we oppose, but there are none we didn’t expect to see at this point in the session. The majority of legislative activity this month involved routine procedures — introducing bills, assigning
bills to committees, naming committee members and adopting procedures. Several filed bills are MBA priority bills, including the following. • House Bill 254 addresses bank robbery. • House Bill 256 addresses the Missouri Merchandise Practices Act. • Senate Bill 12, House Bill 29 and House Bill 260 concern lending on agricultural land. • House Bill 524 would allow electronic lien releases on titled property.
MBA expects early hearings and quick votes on the ag bills. This session, there won’t be any controversy over the regulation of captive deer. MBA’s bills do not include any language on the deer issue, which is why the bills were vetoed last year. As is the case every session, it is often more important do stop legislation that has an adverse effect on the banking industry. This session will be no different. Among the early filed bills, a unified banking industry will oppose House Bill 204. This measure would
eliminate most negotiated bond underwriting and sales. The bill would essentially cut bankers out of participating in local bond issues and limit options for local schools and political subdivisions. MBA urges bankers to express their strong opposition to HB 204 to their representatives. There is a new committee structure in the House. There are 13 “super” committees, which some are calling “oversight” committees. Of interest to bankers is the new Financial Institutions and Taxation Committee
that is chaired by Rep. Tony Dugger, R-Hartville. Three committees — Banking, Pensions, and Ways and Means — will report to the Financial Institutions and Taxation Committee. Rep. Sandy Crawford, R-Buffalo, is chair of the House Banking Committee. The goal of this new committee structure is to produce single subject bills that have been reviewed by two different House committees. We’ll see if this new procedure really does end the practice of giant, omnibus bills. Only time will tell.
Paid Advertisement
CREATING MIB TOOK COURAGE “In 1984, the founding directors took a BIG CHANCE on a 33 year old to raise capital and organize their new Bankers’ Bank. Those courageous community bankers were YEARS AHEAD OF THEIR TIME. Congratulations on serving community banks for 30 years.” CAMD EN FI N E ICBA president & CEO Former MIB president, CEO & original charter organizer
Midwest Independent Bank 1-800-347-4642 | mibanc.com
Page 4
The Missouri Banker • January 2015
MBA Bill Progress Report — 2015 Session of the Missouri General Assembly bill listing current as of Jan. 16, 2015 — ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the governor
SUPPORT Bill
Description
Author
1st-Chamber
HB 29
Relating to Ownership of Agricultural Land
Dugger
12/1
HB 146
Relating to agriculture
Reiboldt
12/4
HB 254
Relating to physical taking of property
Crawford
12/17
HB 256
Relating to civil actions to recover damages
Dugger
12/18
HB 260
Relating to ownership of agricultural land
Reiboldt
12/18
HB 524
Relating to motor vehicles/trailer lienholders
Dugger
1/15
SB 12
Relating to agriculture
Munzlinger
12/1
SB 112
Missouri criminal code
Dixon
12/3
SB 216
Missouri Commercial Receivership Act
Keaveny
1/12
Comm Report
Passed
2ndChamber
Comm Report
Passed
Signed Fil/ Vet
Comm Report
Passed
2ndChamber
Comm Report
Passed
Signed Fil/ Vet
Comm Report
Passed
2ndChamber
Comm Report
Passed
Signed Fil/ Vet
OPPOSE Bill
Description
Author
1st-Chamber
HB 204
Relating to general obligation bonds
Curtman
12/11
HB 526
Relating to nonjudicial foreclosure proceeding
McCann Beatty
1/15
SB 183
Relating to nonjudicial foreclosure proceeding
Curls
1/5
WATCH Bill
Description
Author
1st-Chamber
HB 105
Relating to employer hiring criteria
Pace
12/3
HB 106
Relating to offenses for stealing
Pace
12/3
HB 120
Relating to the Password Privacy Protect. Act
Davis
12/3
HB 378
General Assembly approval of tax credits
Swan
1/7
HB 544
Relating to employee information
McCann Beatty
1/15
SB 44
Criminal history inquiries for employment
Nasheed
12/1
SB 181
Relating to foreclosure notice to tenants
Curls
1/5
Paid Advertisement
The Missouri Banker • January 2015
Page 5
Paid Advertisement
Since 1979, The Baker Group has helped community
Our proven approach of total resource integration
financial institutions steer through unpredictable
utilizing software and products developed by Baker’s
economic environments using robust tools and
Software Solutions* — combined with our solid
resources for interest rate risk and investment portfolio
investment experience and advice — makes us the
management. As we transition through 2015, our task
investment firm of choice for financial institutions.
is to now help financial institutions develop effective
When facing a transition through an uncertain
processes and strategies that will ensure optimal
environment, The Baker Group can help you fit
performance in a puzzling financial environment.
together the pieces of the financial puzzle.
Asset/Liability Management • Evaluate Earnings and Capital at Risk • Simulate Stressed Rate Scenarios • Analyze Risk Management Strategies
Investment Strategies • Develop Quarterly Strategies • Determine Optimal Relative Value • Manage Risk vs. Reward Tradeoff
Education Tailored Board Education • Webinars for ALCO • Interest Rate Risk Seminars •
To find out how The Baker Group can assist your institution in defining and meeting its financial objectives, call Mark Baumann or Chris Dykstra at 800.937.2257.
Member: FINRA and SIPC www.GoBaker.com Oklahoma City, OK | Austin, TX | Birmingham, AL | Indianapolis, IN | Salt Lake City, UT | Springfield, IL | 800.937.2257 *The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc.
Page 6
The Missouri Banker • January 2015
Compliance Update
Random Compliance Thoughts As You Prepare For 2015 By Rob Hoff, CRCM Vice President MBA Compliance Services
gage (QM) documentation for the life of that loan in case a situation comes up challenging ATR and QM.
Welcome to 2015 and some random thoughts for your 2015 compliance program! Chuck Lewis and I presented “A Year of Dodd-Frank ‌ and Moreâ€? at MBA’s Executive Management conference in early December. Some highlights about these major compliance topics follow.
• NMLS (Nationwide Mortgage Licensing System & Registry) Numbers — These must be shown for the bank and loan originator on the application, note and deed of trust.
Dodd-Frank (after one year) • Ability to Repay (ATR) — Remember to have your residential loan files documented with ATR calculation and employment and income verification using the eight factors from Reg Z. • Record Retention — The retention requirement in Reg Z/TILA is three years; however, banks may want to consider keeping the ATR and qualified mort-
• Regulation B Equal Credit Opportunity Act Appraisal Rule — (i) Notice must be given to any applicant for a loan secured by a first lien on a one-to-four family dwelling, including rentals and builders/developers of one-to-four family dwellings. (ii) Document delivery of the appraisal copy. At a minimum, make a notation in the loan file showing date of delivery, method of delivery and initials of bank employee,
or a form signed by the customers indicating that they received a copy of the appraisal at least three days before loan closing. Remember to comply with the E-Sign Act if sending appraisals by email. Flood Insurance • The escrow requirement is delayed to January 2016. • Premium increases on most residential properties also have been delayed. • Noncondo, multifamily properties of five or more dwelling units now have available flood coverage up to $500,000. Banks should consider reviewing their files to see if any properties requiring flood insurance on loans with five or more dwelling units should be increased for better protection for their customers and the bank.
0LGZHVW 5HJLRQDO %DQN SURXGO\ DQQRXQFHV
7\OHU %HQGHU KDV EHHQ QDPHG 3UHVLGHQW RI 0LGZHVW 5HJLRQDO %DQN See how we can provide exceptional banking services for you: www.mwrbank.com
Member FDIC
TH E B A N K
)HVWXV &HQWUH 'U ‡ )HVWXV 02 ‡
OF TRADITION AND PROGRESS.
Paid Advertisement
• Detached, nonresidence structures like sheds or garages on residential properties do not need flood coverage, but the bank may wish to continue flood coverage for additional collateral protection. Fair Lending • FIL 06-2004 on guarantors is still a concern, even though several court cases have ruled a guarantor is not an applicant. • Be careful about requesting documentation pertaining to disability because this can be a fair lending issue. Servicemembers Civil Relief Act (SCRA) • Banks should have a written SCRA policy and separate procedures for collection and foreclosure process. • The U.S. Department of Housing and Urban Development recently revised the SCRA notice disclosure form, Form HUD92070. This updated form will expire Dec. 31, 2017. Unfair, Deceptive or Abusive Acts or Practices (UDAAP) This continues to be very subjective. Remember the basic issue is this — is the service, practice or fee good for the customer, or will it harm them? Bank Secrecy Act/AntiMoney Laundering (BSA/ AML) • FinCEN FIN-2014-A007 released Aug. 11, 2014, discusses six items for financial institutions to implement a culture of compliance. • Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) are still
very important. For details on implementation and monitoring, refer to BSA manuals at fincen.gov. Integrated Mortgage Disclosure Rule (Reg Z/RESPA) • This goes into effect with applications received on and after Aug. 1, 2015. Banks must use the old rules for applications received on or before July 31, 2015. • MBA is hosting workshops to discuss these changes. Information is available at mobankers.com. March 16 — Kansas City March 17 — Springfield April 7 — Cape Girardeau April 8 — Columbia In addition, see Chuck Lewis’ article in the December 2014 issue of The Missouri Banker for more details on this topic. Please contact Mike Noblett at the MBA Compliance Hotline at 573-636-8151 or mnoblett@mobankers.com if you have questions on this topic. This article is for informational purposes and does not contain or convey legal advice. The information should not be used or relied upon in regard to any particular situation without consultation with your bank attorney. MBA Compliance Services and its Compliance Force program offer various programs to aid banks with compliance needs, including on-site education, in-bank training, compliance and loan reviews. For more information, contact Carol Barnett, MBA senior vice president of compliance services, at 573-636-8151 or cbarnett@mobankers.com.
The Missouri Banker • January 2015
Page 7
Titling Tips
DOR Sends Reject Lien Release; Bank Has Lien By Linda Petersen Manager MBA Title Service In some instances, the Missouri Department of Revenue will send a reject for lien release to the bank, and the bank still has a lien. In fact, it is a brand new lien that the bank does not want to release. Further investigation reveals the following situation. Sometimes, DOR asks a bank to release a lien on a vehicle with an outstanding loan. This usually occurs when someone has sold a vehicle and did not give the new owner the title or the new owner has lost the assigned title. The seller finally applied for the title or
has applied for a duplicate title to give the new owner. The bank’s lien is blocking the issue of this title that the buyer or new owner needs to complete the transaction. What do you do? You definitely do not want to release your lien. Instead, ask DOR to temporarily set aside the lien and the interest of the new owner so that a title can be issued. Once that title is issued, DOR can reinstate your lien and the new owner’s interest. By doing this, you do not lose your original filing date that was completed during the 30-day limit for bankruptcy protection.
In submitting a request to DOR to set aside a lien, prepare an affidavit/statement of fact on bank letterhead that will be signed by each new owner of the vehicle and a bank representative. List the new owners’ names and then the year, make and VIN of the vehicle. List the reference number from the reject that was received from DOR.
Owner. When this title is issued, it will be assigned to John Q. Buyer and Mary C. Buyer, subject to the lien of XYZ Bank dated Jan. 1, 2015, subject to future advances.”
Something similar to the following statement should be made.
Prepare the statement with signature blocks for the buyers and a bank representative to sign. Put this statement with the reject received from DOR and return it to DOR. Retain copies for the bank’s files.
“John Q. Buyer, Mary C. Buyer and XYZ Bank ask the Missouri Department of Revenue to set aside their interest in the above vehicle so that a title can be issued to Former
This solution ensures that the bank’s lien is protected and that a title is promptly issued for the new owner(s). If you think a situation like this may happen, you may put the statement with the seller’s
Paid Advertisement
title application so that the reject is avoided from the start. For more information, contact Linda Petersen, manager, or Joyce Vaught, title service specialist, with MBA Title Service at 573-636-8151, lpetersen@mobankers.com or jvaught@mobankers.com.
Page 8
The Missouri Banker • January 2015
Guest Commentary
The Beginning Of The End For Class Action Litigation? In American Express Co. v. Italian Colors Restaurant, the U.S. Supreme Court confirmed what it had only hinted at two years earlier in AT&T Mobility, LLC v. Concepcion. In a holding authored by Justice Antonin Scalia, the court made plain
that because “arbitration is a matter of contract,” its terms must be “rigorously enforced by courts.” Therefore, arbitration agreements containing class action waivers are valid under the Federal Arbitration Act. The court’s expanded view of
Paid Advertisement
the FAA, joined with a clear disfavor of class actions, means that businesses can now better manage their legal risk and the high costs associated with it through well-drafted arbitration agreements that prohibit any form of class action. The Four Corners of the Dispute The Italian Colors plaintiffs objected to the rate American Express charged merchants for accepting its cards, allegedly 30 percent higher than other card companies. The plaintiffs filed suit, arguing that the excessive fees violated the Sherman Act. Under the merchant agreement signed by the plaintiffs, all claims had to be arbitrated, and collective arbitration was prohibited. The plaintiffs sought to void the arbitration agreement and the collective action waiver on the basis that the agreement as written would subject individual claimants to prohibitive costs associated with expert testimony. In fact, plaintiffs demonstrated that the most any individual plaintiff would receive was between $12,850 and $38,549 — with treble damages. Expert testimony, on the other hand, would cost between several hundreds of thousands of dollars to almost $1 million.
As a result of this imbalance, plaintiffs argued that enforcement of the collective action waiver would deprive them of federal rights under the Sherman Act.
looks like a nail. And to a Court bent on diminishing the usefulness of Rule 23, everything looks like a class action ready to be dismantled.”
The Ruling: No and Never To resolve this case, the court was asked two questions.
Summary and Takeaways Italian Colors places businesses in a strong position to manage their legal risk both through internal and external means. A welldrafted arbitration agreement prohibiting class arbitration means less discovery, less time and less risk.
• Does the FAA permit courts to invalidate arbitration agreements on the grounds that they do not permit class arbitration of a federal law claim? • Can courts refuse to enforce arbitration waivers when individual prosecution of claims is just too expensive? In response, the court said no and never. Regarding the efforts to invalidate the arbitration agreement, the court observed that nothing in the Sherman Act exempted itself from class actions and correspondingly, class arbitration waivers. And regarding the costs associated with prosecuting a Sherman Act claim, the court held that “[t]he antitrust laws do not guarantee an affordable procedural path to the vindication of every claim.” A vigorous dissent, authored by Justice Elena Kagan, summarized the majority holding like this, “To a hammer, everything
Editor’s Note: This article was written by Dan E. Cranshaw, a shareholder at Polsinelli, a national law firm in Kansas City, Mo., that focuses on health care, financial services, real estate, life sciences and technology, energy and business litigation. Cranshaw’s practice includes defending products liability and warranty claims, commercial litigation, risk management, nationwide class actions and insurance recovery. For more information, contact Cranshaw at dcranshaw@polsinelli.com or 816-218-1294. Polsinelli is an MBA associate member.
HOW TO SUBMIT ITEMS TO THE MISSOURI BANKER Lori Bruce, MBA director of communications, oversees production of The Missouri Banker. Please send achievements, announcements and classified ads to lbruce@mobankers.com for possible inclusion in upcoming issues of The Missouri Banker.
The Missouri Banker • January 2015
At Times, Expect The Unexpected In The Missouri General Assembly
Page 9
Bankers Set Record In Segs4Vets Donations
continued from Page 1
Overfelt also is anticipating legislation that would increase the licensing fees for consumer lenders, including payday and installment lenders, to ensure that banks are not subsidizing the examination of consumer lending institutions.
“As veteran MBA lobbyist Bill Ratliff reminds us, there is likely to be some issue we haven’t considered or even heard of that will require a great deal of lobbying and grassroots efforts to defeat,” he said.
Despite preparation for the annual session, Overfelt knows nothing is a guarantee in the Missouri legislature.
MBA Resources Keep Bankers Informed On Legislation New MBA GovGuide App Available For Bankers MBA is excited to share its new app — MBA GovGuide. This easy-to-use app replaces the printed MBA legislative directories. With MBA GovGuide, users can find their state and federal legislators, view their bios and committee assignments, and more. Download the free app on your smart phone or tablet and save it the home screen of your device. MBA GovGuide is a great resource for Target Banker and Washington, D.C., visits. Additional inforamtion is posted at mobankers.com. Subscribe To MBA Legislative Update To remain current on the latest activities at the Missouri Capitol, MBA encourages its members to review MBA Legislative Update. Published each Friday during the legislative session, the enewsletter summarizes the latest news from the Missouri General Assembly affecting the banking community. If you would like to receive MBA Legislative Update, email database@mobankers.com.
STAY CONNECTED WITH MBA
Employees at Jonesburg State Bank were among 41 banks and 12 bankers who contributed $56,210 to Segs4Vets in 2014 — a record donation! Since 2009, bankers throughout Missouri have raised more than $254,790 for Segs4Vets, a grassroots organization that provides Segway mobile transporters to help severely injured military men and women. MBA thanks its members for their continued support for Segs4Vets, the designated charity of MBA. Paid Advertisement
Keep Your Loan Portfolio
Trust the Community Banking experts at The Whitlock Company for in-depth guidance. Our experts will examine your portfolio with the following services: t "TTFTT UIF PWFSBMM DSFEJU RVBMJUZ PG ZPVS QPSUGPMJP t &WBMVBUF DPNQMJBODF XJUI ZPVS MPBO QPMJDZ BOE MFOEJOH QSBDUJDFT t "TTFTT SJTL SBUJOHT BTTJHOFE UP JOEJWJEVBM MPBOT t *EFOUJGZ DSFEJU BOE DPMMBUFSBM EPDVNFOUBUJPO FYDFQUJPOT
Like Us On Facebook Connect With Us On LinkedIn Follow Us On Twitter @mobankers
t "TTJTU XJUI JNQMFNFOUBUJPO PG OFX BMMPXBODF GPS MPBO MPTT DBMDVMBUJPOT $&$- Count on The Whitlock Company’s Community Banking Group to help secure the health of your loan portfolio.
whitlockco.com
Page 10
The Missouri Banker • January 2015
Endorsed Vendor Profile
Please describe your business. Deluxe is a $1.6 billion revenue company headquartered in Shoreview, Minn. Our business is organized into three primary segments — financial services, small business services and direct checks. The financial institution and small business segments serve a broad range of industries with customer life-cycle management solutions. The direct checks segment serves consumers directly online. Deluxe operates 25 locations with roughly 5,500 employees in North America. What is your business philosophy? Our vision is to become the best at helping small businesses and financial institutions grow by offering a robust suite of life-cycle driven solutions that help customers grow, operate and protect their business. What are your key services? Business and Consumer Checks — As a true extension of your brand, Deluxe’s check program will optimize your retail and business customer experience while providing profitable growth via higher penetration rates and average order values, multiple order channels and a broader product set. Deluxe Marketing Services — At Deluxe, we know that serving customers is about more than just print-
ing checks. Our Deluxe Marketing Services help you tap into additional opportunities that helps you acquire, grow, retain and win back customers and includes industry-leading programs and services. We use proprietary, multichannel analytics to answer questions like: • Who are my very best prospects? • Which of my customers are doing business elsewhere? • What products are my customers most likely to buy next? Then, we intelligently develop strategic, multichannel marketing solutions to help you acquire, grow and retain the best customers. Deluxe Fraud and Identity Theft Protection Services We’re committed to mitigating your account fraud and abuse risk. Protect your account holders, and your business interests, with: ®
• Deluxe Detect , the market’s most precise and effective account screening tool. Deluxe Detect® provides a thorough analysis of each account inquiry, detailing account fraud, abuse incident history, and severity. It delivers the dual benefits of minimizing account fraud and abuse while also approving more healthy, new customers. • Deluxe Provent® gives you the opportunity to generate fee income by offering a full suite of highdemand, recognized and successful fraud protection products to your customers. Deluxe Provent® can assist customers with prevention and detection, as well as restoration, if
a fraud or identity theft incident should occur. SwitchAgent® SwitchAgent® is an automated, Web-based solution intelligently designed to activate your new accounts. It takes your new account holders through an easy, systematic process to reroute their existing automatic deposits and withdrawals from their former financial institution to yours. Transitioning new accounts with SwitchAgent® helps you protect your acquisition investment, establish primary-account relationships, sell more products and increase your profit Banker’s Dashboard Banker’s Dashboard is a powerful Web-based tool with a companion iPad app that helps financial institution leaders collaborate and share the data that is most meaningful in helping managing their institution and achieving their goals. It automates number-crunching and reporting, allowing you to focus on serving your members based on readily available insights. Why do these services matter to Missouri banks? We are keenly aware of the state of the market and problems we can help our clients solve. We have configured our check program and have developed Deluxe Marketing Services, Deluxe Detect®, Deluxe Provent®, SwitchAgent® and Banker’s Dashboard to help financial institutions across the country address some of the most pressing issues in today’s banking environment. Check volume is declining, and therefore it is losing attention. However, checks remain a core element of both a consumer and a business’s relationship with their financial institutions and could be further optimized for financial institutions’ profitability and customer experience.
It is often difficult for banks to implement a scalable, repeatable and reliable program to win and keep customers. As a result, banks struggle to generate return on investment because most programs are overly complicated and take too long to implement. Once implemented, most programs fail to deliver expected results because campaign targets are overly reliant on demographic information. This limits an financial institutions’ ability to make timely, relevant offers to prospects most likely to become customers and existing customers whose behavior shows they are considering a purchase. Financial institutions are struggling to balance growth of top and bottom lines while also identifying fraudsters and account abusers. Adding to the problem, they are facing more pressure than ever to provide consumers with fair access to DDA accounts. However, they lack the data necessary to make educated account opening decisions. In 2012, 12.6 million consumers were affected by identity theft, a growth of 8.6 percent over a year. Consumers and small businesses are seeking to purchase protection from these threats and become disappointed when they are not available at their financial institution. Financial institutions struggle to curtail the percentage of their accounts that go dormant. Many of these account holders have previously established accounts with other financial institutions, and those accounts oftentimes include recurring transactions. In both existing and newly acquired account holders, account dormancy often occurs because of the difficulty in transitioning these recurring transactions to a new financial institution. The inability to move these
transactions makes it difficult for the account holder to anchor with their new financial institution, which lowers the likelihood of the account being used. When accounts remain inactive, primary account status and the ROI that comes with it is not achieved. Banks are trying to improve financial performance despite a sluggish economy, regulatory changes and a historically low interest rate environment. They are further challenged by inefficient methods of gathering and analyzing their financial performance data. As bankers prepare monthly forecasts and board reports, they spend days assembling their historical performance. Time is spent trying to determine insights, rather than driving action from precise and readily available insights. What is a challenge you face in your business? Deluxe was founded in 1915, and we have spent nearly a century continually working to improve in our position as the best check provider in the industry. The steady check volume decline has presented a challenge to our organization that we have met headon with tremendous transformational success. We are the only check provider in the industry with four consecutive years of growth. You need confidence that the partners you rely on can serve you for the long-term. As the only publicly traded check printer, information on our financial health is as close as the daily financial news — and the news is good. Our stock has significantly outperformed the market when compared to the S&P 500 and Russell 2000. We’ve experienced four consecutive years of growth and a 47 percent favorable increase in stock price during the last 12 months. continued on Page 11
The Missouri Banker • January 2015
Page 11
continued from Page 10
But, we don’t take our growth for granted. As the landscape changes, we’re adapting our business to reflect our clients’ broader needs. We’ll provide you with opportunities to strengthen your customer relationships across the entire customer lifecycle, with services that support marketing, fraud prevention, retention, loyalty and other key initiatives. What is a major challenge confronting banks today? As Grant Thornton has said, “The financial crisis that surfaced in 2007 and erupted in 2008 has continued to have lasting effects on the U.S. economy in early 2013, and has resulted in what is perhaps the most significant wave of regulatory changes for the banking industry in more than 70 years.” As a supplier of regulated products to consumers, we are placed under the purview of the Consumer Financial Protection Bureau just like our FI clients. We understand the magnitude of changes happening in the industry better than anyone and agree with Grant Thornton’s assessment that the banking industry is going through the biggest set of regulatory change in 70 years. We know that you need to be as vigilant about our practices as your own. With that
understanding, we have been taking a proactive stance in the regulatory space for well over a decade. Our business risk and privacy management team (which has doubled in the past three years and grown by 33 percent in just 12 months) is defined by a commitment to collaboration on strategic risk focus areas for risk management, privacy and data protection, compliance and governance, as well as proactive industry engagement. Our chief privacy officer, Linnea Solem, and her team are active in defining the industry’s standards in this ever-changing environment. We invest in and contribute to a wide range of the industry’s advisory boards and committees in this space, such as ANSI/X9, BITS and TRUSTe. What sets your business apart from others? We are the only large check printer with five consecutive years of revenue growth, and our financial profile is the strongest in the industry, with a debt ratio half as much as our competition. Why should a customer choose your business? When it comes to your check program and beyond, we at Deluxe are uniquely focused on what really matters to you. From your account management team to the
subject matter experts across Deluxe, we help you create revenue and profit. Throughout our nearly 100-year history, we’ve built a heritage of unmatched quality and innovation and proven success in strengthening customer relationships. What makes you the most proud about your business? We are most proud when we hear from our clients that we’ve helped them achieve their goals. Recently, Lydia Shaw, executive vice president of community banking at Central Valley Community Bank in central California, commented on the differences she saw between Deluxe and other competitors when she made her decision to remain with Deluxe after a competitive check bid. “There were several key differences in the areas of marketing, support and value-added services,” Shaw said. “Deluxe Provent® identity theft solution, which we already use, was also a differentiator. And, Deluxe’s client conference has been extremely valuable. The conference provides solid ideas, and we come away inspired!” We take great pride in hearing that our services, support and perspective is “extremely valuable.”
What can banks expect from your company? Our Customer Lifecycle Management suite helps you acquire, grow, retain and win back customers and includes industry-leading programs and services. What is one thing you want banks to know about your business? Many of our clients are once again looking to drive profitable revenue growth by acquiring new accounts, onboarding and engaging them successfully and then growing the relationship. But, most want to do so by targeting those with the highest propensity to buy, as well as the best profit potential, thus generating higher ROI. We have expanded and enhanced our marketing services capabilities to meet these needs, and in fact, are working with hundreds of FIs to drive profitable growth. SwitchAgent® is an online service to help consumers easily and accurately move all of their banking connections and routine monthly transactions, both in and out, to another financial institution. Making that transition and onboarding experience smooth and convenient removes a barrier to acquiring high value new accounts. We also are just now launching high security checks to address the issue of check fraud, which impacts 82 percent of FIs, causing losses of around $600 million a year.
Paid Advertisement
What would banks be surprised to know about your company? We have been actively and deliberately transforming Deluxe to provide our clients best in class check programs plus a suite of FinTech solutions that help acquire, onboard and grow their accounts. In December 2013, we acquired a company, Destination Rewards, that provides a unique, patented cash plus points zero liability rewards program. Citibank is our largest customer, but Destination Rewards also is expanding nationally with Verizon Wireless and AARP, with a number of other large clients soon to follow. Engagement, growth and retention are big issues for both FIs and many leading brands. Many of our clients might be surprised to find that Deluxe would have a superior rewards solution that went well beyond financial services. What three words would you use to describe your business? Thoughtful. Partner. Inventive. You have five minutes to pitch your service to a potential bank. What would you say? A leader in the industry since 1915, Deluxe’s disciplined management team is executing a successful transformation based on the changing continued on Page 12
Page 12
The Missouri Banker • January 2015
MIB Celebrates 30th Anniversary, Names Sinnett As New President As Midwest Independent Bank celebrates its rich 30year history, the company also looks to its future and the future of its respondents. “MIB is positioned very well to go into the next 30 years of its life,” CEO Mike Wasson said of the company’s current strength. Established in January 1985, MIB began business in Missouri as Missouri Independent Bank, the ninth bankers’ bank in the United States. Midwest Independent Bancshares Inc., the parent company of the bank, began operation with 72 shareholder banks at its inception. The company, based in
Jefferson City, Mo., now has 356 shareholders and serves community banks throughout the states of Missouri, Iowa, Nebraska and Illinois. MIB quickly grew out of its given name. To better represent its regional impact, MIB changed its name from Missouri Independent Bank to Midwest Independent Bank in 1994. For its nearly 550 banking customers, many of which have been customers for decades, the company truly lives up to its “One Source. One Call.” mantra. MIB offers a variety of services in house, making it a one-stop shop for community banks. It specializes in lending, bank
operations and audit/consulting services — all while promising not to compete with its respondents. “At the end of the day, what we do is help community banks prosper and grow,” Wasson said. As the company celebrates three decades of customer service, MIB also welcomes a new president to the helm. Current president/CEO Mike Wasson has moved into a more prominent role as president/CEO with MIB’s investment firm, First Bankers’ Banc Securities Inc. Wasson also will continue in
his current role as president/ CEO of Midwest Independent Bancshares, Inc. Longtime MIB employee Matt Sinnett, currently the senior executive vice president, will take on the new role as president of the bank. Sinnett has held many positions throughout his 23-year tenure at MIB, giving him the experience needed to move the company forward.
continuing to expand within our service region,” explains Sinnett. “We have had a Matt Sinnett solid foundation to work upon and I look forward to continuing to assist community banks in our marketplace thrive.”
“In the past 30 years we’ve developed such strong relationships with our community bank customers. I’m looking forward to building on those relationships and
Endorsed Vendor Profile: Deluxe continued from Page 10
landscape of the market and client needs around: • our reputation as the only large check printer with five consecutive years of revenue growth
• the strongest financial profile in the industry, with a debt ratio half as much as our competition • leadership roles in setting industry protocols for privacy, risk and compliance
• an experienced and united leadership team that leads nearly 5,500 employees worldwide at more than 25 locations in North America
You need a partner you can rely on for the long-term, and we can demonstrate our financial strength. As of Dec. 31, 2013, Deluxe reported: • $1.58 billion in revenue, 55.8 percent of which was check revenue
Join us in Washington
Continue Our Tradition of
ENGAGEMENT
and show your continued commitment to driving the banking industry forward. Do your part to
• $261 million in operating cash flow • $640 million net debt outstanding • $3.65 EPS We serve nearly 4.3 million active small businesses and 5,700 financial institutions, and we recently added three large financial institutions as clients. How can banks learn more about your business? Visit FI.Deluxe.com, email DeluxeFinancialServices@ deluxe.com or call 888-6335893.
educate policymakers on the vital role banks play in their communities.
Register at aba.com/Summit
ABA Government Relations Summit MARCH 23-25, 2015 • WASHINGTON DC
The Missouri Banker will feature an endorsed vendor each month. For more information on becomoing an MBA endorsed vendor, contact Chris Lepper, grassroots and bank PAC coordinator, at 573-636-8151 or clepper@mobankers.com.
The Missouri Banker • January 2015
Page 13
Why Excess Deposit Coverage? Why Not? By Jason Bauer, FI Specialist MBIS At the end of 2007, the Federal Deposit Insurance Corporation reported less than 62 percent of the $6.88 trillion then deposited in FDIC-insured banks was covered, leaving $2.5 trillion in deposits unprotected. Of course, insured deposits were capped at $100,000 then. Nonetheless, the exposure was significant. Uninsured depositors receive an average of 72 cents on the dollar when a bank fails. This is better than nothing, but what if community banks could assure their clients that their deposits can be insured way beyond the
FDIC’s $250,000 threshold? Insurance exists to give banks the power to assure their clients of protection over all of their assets should calamity ever hit. Scars of the financial crisis still run deep. Few are naïve enough to write off the possibility of systemic banking crisis. Excess FDIC, or so-called excess depositor insurance, not only offers a way to insure assets but also, of equal importance, ensures peace of mind that can help community banks retain and attract depositors. Today, many of the biggest and highest-rated carriers will write excess deposit insurance for community banks. Determining the level
of needed coverage is simpler than one may expect; weeks of audits and balance sheet scrutiny are not required. Demand for the bonds spiked in the 1980s as bank closures made for common headlines and then dwindled as the crisis settled. In a 2006 report on extra deposit coverage, the FDIC again said demand was slack, given what it then termed as the banking industry’s “return to profitability.” The FDIC sent its report to Congress in 2007, not that long before it was asking lawmakers to extend coverage limits on personal deposits to $250,000. Trying to time the utility of excess deposit insurance with
a banking crisis is not only impractical, but it also misses the intrinsic value these agreements give to banks and to their depositors. All types of deposit accounts are eligible; they are not just limited to certificates of deposit. Policies can be designed to not only insure individual deposits but also business and nonprofit assets.
simple option for your customers and your bank. To offer safeguard options for depositors is a no-brainer. It makes sense to have excess deposit insurance coverage as one of those options.
Other options for excess deposit insurance exist but in many cases, excess deposit insurance can be more efficient and effective depending upon the circumstances of the banks and the customers. Excess deposit insurance affects a complete transfer of risk, making this a comparatively
Paid Advertisement
MOTHER NATURE CAN HIT AT ANY TIME...
ARE YOU COVERED?
FIND OUT YOUR REPLACEMENT COST VALUE... BEFORE IT’S TOO LATE
(844) 546-7034 www.MyMBIS.com
Page 14
The Missouri Banker • January 2015
MBA Endorses Webinar Focuses On Banks’ Two New Vendors Leverage Of Social Media The MBA Bankers Service Corporation have approved its endorsement for two new companies — KeyState Captive Management LLC and Secure Banking Solutions. KeyState Captive Management LLC offers a bank captive program with potential enhanced risk management and permanent annual tax savings. KeyState has partnered with Crowe Horwath LLP for captive program development and implementation based on each bank’s individual needs. KeyState Captive Management provides banks with innovative and independent services and expertise in risk management. Secure Banking Solutions is a premier information security products and services company that focuses exclusively on promoting security practices for community banks. SBS is a privately-held consulting company that was spun off of the National Center for Information Assurance at Dakota State University in Madison, S.D. The center is the only university program in the country certified by the federal government in information assurance and focused on banking industry information security. SBS can assist banks with designing and maintaining information security programs or testing programs with information security audits, penetration tests, social engineering and other assessments.
What do you think of when you hear the words “social media?” For financial institutions, the concerns that come to mind are probably “risk” and “compliance.” If you’re a CEO or bank manager, you also might throw in “return on investment.” GREMLN social media has teamed up with the Missouri Bankers Association to address these issues. Join MBA Senior Vice President Craig Overfelt and GREMLN CEO Ryan Bell for “Harness the Power of Social Media in Banking” webinar at 2 p.m. Thursday, Feb. 19. Participants will learn valuable information on how to leverage the benefits of social media while
mitigating risk, including the following. How Social Media Can Help Your Bank Improve • customer service • brand awareness • reputation protection • ROI tracking • content creation Latest Updates on Compliance Regulations • FFIEC • FINRA • SEC
Participants also will receive an overview of GREMLN’s social media software, including its organization tools, compliance tools, and reporting and data analysis. Space is limited for this free webinar. To register, visit http://brev.is/XU9A. Editor’s Note: This article was submitted by GREMLN, an MBA endorsed vendor.
Tips and Best Practices to Get Organized • define and train your team • create a social media policy
Actions Certificate of Authority No. 3969 was issued to Central Bank of Audrain County in Mexico, granting the bank permission to establish and maintain a separate branch at 1000 W. Highway 54 in Vandalia. Approval was granted to merge Old Missouri Bank in Springfield, Charter No. 2894, with and into Bank Of Ash Grove, Charter No. 239 (the surviving institution), under the articles of agreement of Bank Of Ash Grove, with the main banking house of the surviving bank is the current main banking house of Old Missouri Bank. Because the banks were wholly owned by the same bank holding company, the merger took effect immediately after close of business Dec. 12, 2014. Pursuant to the agreement of merger, the surviving bank was renamed Old Missouri Bank.
First Missouri Bank in Brookfield has returned for cancellation Certificate of Authority No. 3814 that authorized a branch at 727 7th St. in Blythedale. The bank discontinued operation of this branch Dec. 1, 2014. Certificate of Authority No. 3814 is considered null and void. Certificate of Authority No. 3972 was issued to Bank of Grandin, granting the bank permission to establish and maintain a separate branch at the junction of Highway 67 South and State Highway 158 in Harviell. Certificate of Authority No. 3021-A was issued to Great Southern Bank in Reeds Spring, granting the bank permission to operate a branch at 398 E. Highway 54 in Camdenton. This certificate replaces Certificate of Authority No. 3021 that authorized a branch at 256 E. Highway 54 in Camdenton.
This is the same location but a different street address. First State Community Bank in Farmington has returned for cancellation Certificate of Authority No. 3864 that authorized a separate branch at 1000 W. Highway 54 in Vandalia. The bank discontinued operation of this branch Dec. 12, 2014. Certificate of Authority No. 3864 is considered null and void. A certificate of reciprocity issued to Cornerstone Bank in York, Neb., authorizing the bank to act as a fiduciary in Missouri pursuant to Section 362.600, RSMo. Certificate of authority No. 983-B was issued to First Midwest Bank of Poplar Bluff, allowing the bank to relocate its already established branch from 2770 N. Westwood Blvd. in Poplar Bluff to 2951 N. Westwood Blvd. in Poplar Bluff.
Certificate of authority No. 755-A was issued to Bank 21 in Carrollton, granting the bank permission to operate a branch at 400 N. Mason St. in Carrollton. This certificate replaces Certificate of Authority No. 755 that authorized a branch at 402 N. Mason St. in Carrollton. This is the same location but a different street address. A certificate of authority was issued to The Bank of Fairport, granting the bank permission to relocate the main banking house from 6520 N. State Route A in Fairport to 401 W. Main in Maysville. Certificate of Authority No. 3973 was issued to The Bank of Versailles, granting the bank permission to establish and maintain a separate branch at 76 Grand Point Blvd. in Sunrise Beach. MRV Banks in Ste. Genevieve has requested permission to establish and maintain
a separate branch at 912 S. Main St. in Sikeston. Call for report of condition of all state chartered banks and trust companies was issued at of the close of business Dec. 31, 2014. The Callaway Bank in Fulton has requested permission to establish and maintain a separate branch at 101 W. Broadway in Ashland. Certificate of Authority No. 3974 was issued to The Callaway Bank in Fulton, granting the bank permission to establish and maintain a separate branch at 101 W. Broadway in Ashland. Effective close of business Jan. 14, 2015, Douglas County Bank in Lawrence, Kan., merged with and into Central Bank of the Midwest in Lee’s Summit, Charter No. 2895 (the surviving bank).
The Missouri Banker • January 2015
Page 15
GOVGUIDE Keep the Missouri legislature within reach‌ 9 Federal, Statewide, House, and Senate 9 Downloadable contacts 9 Committee Membership 9 Interactive profiles 9 District Maps 9 And more . .
Use your mobile device to visit www.mba.mogovdirect.net and download it right now for FREE Just save it to the home screen of your device Missouri Bankers Association PO Box 57 Jefferson City MO 65102 A product of Missouri Legislative Service - www.MOGovDirect.net
Page 16
The Missouri Banker • January 2015
Achievements Kathleen Bruegenhemke was appointed market president for branch operations for Hawthorn Bank in Columbia. She joined the bank in January 1992 and most recently held the position Kathleen of senior vice Bruegenhemke president and chief risk officer. Metropolitan National Bank in Springfield welcomed Brandon Plank as a new commercial loan officer at the Lamar Brandon Plank Banking Center. He has a solid understanding of the financial tools and strategies to best serve Metropolitan’s customers in Lamar. Kim Whorton, trust officer and relationship manager for Landmark Bank in Columbia, was awarded the Certified Trust & Financial Advisor designation from the Kim Whorton Institute of Certified Bankers, a subsidiary of the Washington, D.C., based American Bankers Association. Whorton, who has been with Landmark Bank for eight years, focuses on trust administration for her customers and assisting them with their estate, personal and financial planning needs. The CTFA designation is awarded to individuals who demonstrate excellence in the field of wealth management and trust. ICB currently has more than 10,000 certified members nationwide.
Jeff Jones was promoted to commercial loan officer at Empire Bank in Nixa. He has more than five years of experience in the financial services Jeff Jones industry. His responsibilities include developing new commercial loan relationships in the community and servicing current customer accounts. Guaranty Bank in Springfield welcomed Nick Lofaro as vice president and chief technology officer. He has more than 12 years of banking experience and 20 Nick Lofaro years as an information technology professional. Lofaro will lead Guaranty Bank’s internal technology efforts, as well as network system and support functions. Garith Dedmon joined First Home Bank in Mountain Grove as a loan officer. Dedmon will focus on lending, business development and credit Garith Dedmon analysis. Jon Heuring has joined the Alliance Bank team as vice president, commercial loan officer, at its Oran location. With eight years in agricultural lending, Heuring will provide commercial, consumer and mortgage Jon Heuring lending.
Providence Bank in Columbia promoted Jennifer Megee to executive vice president, director of retail banking and deposit services. She joined Jennifer Megee the bank in 2009 as a banking center manager and retail manager. In November 2010, she was promoted to senior vice president, director of retail banking. In her new role, Megee will assume responsibility for deposit services and will continue leading the retail operation for all 13 banking centers, as well as manage product and business development, consumer lending and affinity programs.
Missouri Bancshares Inc. in Brookfield. A 30-year bank employee, he previously served as CFO. Amy Jobson is serving as president rural market, with primary responsibility for the oversight of the bank’s Amy Jobson Brookfield, Eagleville and Ridgeway branches. Stacey Brown is serving as the bank’s chief financial officer. Kristie Stuewe is president - KC market and is responsible for the bank’s Kearney and North Kansas City Stacey Brown branches.
Bank Star One in Lake Ozark promoted Rodney Bax to president, and the board of directors also elected him to the board. Bax joined the bank in June 2011 and most recently served as Rodney Bax executive vice president. He began his career with the bank in 2011 as branch manager of the Fulton/New Bloomfield market. He previously was a senior assistant bank examiner for the Missouri Division of Finance from 2009 until May 2011. He also served nearly five years with US Bank in the Jefferson City and Lake Ozark markets.
Reliance Bank in St. Louis appointed Amy Armstrong as senior vice president of compliance and community reinvestment. She was promoted from vice president chief compliance officer. She Amy Armstrong brings with her regulatory experience gained while employed at the Federal Reserve Bank of Philadelphia as a compliance examiner.
Harry Holderieath was named president and CEO of First Missouri Bank and First
Harry Holderieath
Monte C. McNew joined Springfield First Community Bank as executive vice president. He oversees all areas of commercial lending and serves on the Monte C. McNew bank’s board of directors. He previously served as vice president, Springfield market manager in commercial lending at Great Southern Bank.
Ozark Bank announced three promotions. Tim Osredker was promoted to vice president Tim Osredker at Ozark Bank for his contribution as director of human resources. Karla Divin and Steve Smith were promoted to Karla Divin retail banking officers in recognition of their contribution to the management of the bank’s downtown Steve Smith location and Business 14 location, respectively. They will continue their responsibilities as branch managers at their respective branches. The National Association of Corporate Directors announced Joseph C. Stewart III of Bank Star is an NACD Fellow, the highest level of credentialing for corporate directors and corporate Joseph C. governance Stewart III professionals. Stewart currently serves on the board of directors of the Federal Home Loan Bank Des Moines and the American Bankers Association’s Government Relations Council. He also serves as a director on the boards of Bank Star in Pacific, Bank Star One in Fulton and Bank Star of the BootHeel in Steele, and is board chair of the holding company for all three banks, BancStar Inc. in St. Louis.
The Missouri Banker • January 2015
Page 17
MBAds Small bank in southwest Missouri near Springfield seeks a compliance officer and assistant cashier. The compliance officer requires knowledge of loan regulation; knowledge of deposit and operations is preferred. Qualified candidates must have a minimum of two years’ banking experience, with an emphasis on consumer compliance. The position reports directly to the bank president and board of directors. The assistant cashier requires knowledge of the bank’s various operational areas, including accounting, general ledger maintenance, human resources and board reports. Qualified candidates must have a minimum of two years’ banking experience, with an emphasis on banking operations. The position reports directly to the bank’s vice president/ cashier. The bank offers a competitive salary and benefits package. Email confidential resumes and salary requirements to mobankersweb@gmail.com. Equal Employment Opportunity Employer. Qualified minorities, women, people with disabilities and military veterans are encouraged to apply.
The Bank of Missouri is seeking an SBA Loan Officer to join its rapidly growing dedicated SBA Lending Division in Columbia. The SBA loan officer is responsible for meeting with potential borrowers, reviewing business plans and financial statements. Loan officers are responsible for performing underwriting analyses of borrower and guarantor reputation and character, credit worthiness and financial condition, including determining a borrower’s eligibility for SBA programs. The SBA loan officer will underwrite all transactions in strict adherence to current SBA Standard Operating Procedures while maintaining compliance with all bank and department policies and procedures. Candidates must be comfortable in developing new business relationships and networking to promote the bank’s
government lending programs within the SBA 7(A), SBA Express, SBA Capline and SBA trade finance programs, 504 and USDA B&I loan programs. Candidates must be able to manage multiple projects and have strong verbal and written communication skills. A bachelor’s degree in the field of business and three to four years banking experience, preferably in lending, is required. Send resumes to applicants@ bankofmissouri.com and request an application. The Bank of Missouri is an EEO/M/F/Disabled/Veteran Employer.
Midwest Independent Bank in Jefferson City, MO, seeks a full-time chief lending officer. To view full details, visit mibanc.com and click “Employment.” MIB is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.
Farmers & Merchants Bank in St. Clair, MO, is recruiting for the following positions. Information Technology Officer Residential Loan Officer Commercial Lender All positions are posted online at fmb4banking.com. Please refer to FMB’s website to view the requirements and experience required for each position. Email resumes to Laura Sullivan, AVP Human Resources Officer, at lsullivan@fmb4banking.com. Farmers & Merchants Bank is an Equal Employment Opportunity Employer. Qualified minorities, women, people with disabilities and military veterans are encouraged to apply.
Cheap Ink & Toner Supplies! www.discountofficesource.com High Quality 100% Guaranteed Copy Machines • Laser Printers Fax Machines • Inkjet Printers Wide Format Printers
The deadline to place a classified advertisement in the February 2015 issue of The Missouri Banker is Wednesday, Feb. 11. Email ads to Lori Bruce, MBA director of communications, at lbruce@ mobankers.com. Invoices will be emailed after ads are published. Classified ads are posted on the public side of MBA’s website at no extra charge for the same time period as advertised in The Missouri Banker.
Missouri Bankers AssociaƟon 2016 Scenes of Missouri Photo Contest We are now accep ng photo submissions for the 2016 Scenes of Missouri calendar—but only from MBA member bank employees, directors, and their family members. So send us your photos that say Missouri—from the Bootheel to the Ozarks to the northern farmland, our great ci es and all points in between—anything that features Missouri scenery, historical loca ons, the changing seasons, city scenes, wildlife, and more! You can view the 2015 calendar on the MBA web site to get an idea of the type of photos we are seeking. To be considered for inclusion in the 2016 calendar, photos must be submi ed to the MBA by May 1, 2015. If you have a photo chosen for the calendar, you will be asked to sign a release gran ng publica on permission. Photos not selected for use in the 2016 calendar may be retained for use in future calendars.
HOW TO ENTER A PHOTO FOR CONSIDERATION:
Photo by: Lori O’Reilly “Hay Time” Putnam County
1. Only digital photos will be accepted for considera on. 2. Email your digital photos as a achments to photos@mobankers.com or send a CD containing the images to the address listed below. In your email or with your CD, include all the informaƟon on the entry form below. 3. Submi ed digital photos should be sent in the highest resolu on format possible, JPG format preferred. For considera on as a monthly photo, images should be saved at a minimum of 300 dpi at the actual finished size of the image, at least 8.5 by 11 inches. Photos containing copyrighted images are not usable. Links to web sites for photos (social media sites, online photobooks or shared photo web sites, etc.) are not usable for this contest.
Win $100 just for taking a picture! The photo submiƩed for the MBA’s “Scenes of Missouri” 2016 calendar photo contest that is chosen “best in show” will win $100 for the photographer!
2016 Scenes of Missouri Photo Contest Entry Form Bank Employee/Director Name ______________________________________________
Send CD photo entries to:
MBA Member Bank Name __________________________________________________
Carol Barne Missouri Bankers Associa on 207 E. Capitol Avenue PO Box 57 Jefferson City MO 65101
Address ________________________________________________________________ Banker’s Phone _________________________ Email ____________________________ Photographer Name ______________________________________________________ Photographer’s Family Rela onship to Banker _________________________________ Loca on of Photo ________________________________________________________ Month Photo Was Taken __________________________________________________ Photographer’s Address, Phone Number, Email ________________________________ _______________________________________________________________________
If you have ques ons, please contact Carol Barne at 573-6368151 or cbarne @mobankers.com
Page 18
The Missouri Banker • January 2015
Bankers’ Resource Directory Accounting/Auditing BKD CPAs & Advisors
TransFund Tulsa, Okla. ....................800-588-6816
Auction Services
Branson .........................417-334-5165 Joplin .............................417-624-1065 Kansas City....................816-221-6300 Springfield .....................417-865-8701 St. Louis .........................314-231-5544
Brown Smith Wallace LLC St. Louis .........................314-983-1200
CliftonLarsonAllen St. Louis .........................888-529-2648 Belleville, Ill. ...................800-962-2462
Crowe Horwath LLP Oak Brook Terrace, Ill. ...630-574-7878
Cummings, Ristau & Associates, PC St. Louis .........................888-616-2727
Kennedy and Coe, LLC
Purple Wave Auction Manhattan, Kan. ............866-608-9283
Bank Compensation Consulting Inc. Plano, Texas ..................800-781-2099
Bank Financial Services Group Edina, Minn....................800-931-7782
Equias Alliance Prior Lake, Minn. ...........952-435-7747
Executive Benefits Network Cape Girardeau .............573-335-0187 Lawrence, Kan. ..............785-838-9800
NPF Executive Benefits Cologne, Minn. ..............612-940-2843
Brokerage/Investments
KPM CPAs KPMG LLP Kansas City....................816-802-5200 St. Louis .........................314-444-1400
McGladrey, Inc. Kansas City....................800-274-3978 St. Louis .........................314-241-4100
Rolf, Perrin & Associates, P.C. Fairway, Kan. .................913-671-8600
Sims & Riley LLC Overland Park, Kan. ......913-649-8100
The Fullinwider Firm, LLC Liberty ............................816-781-6939
The Whitlock Company, LLP Springfield .....................417-881-0145
Williams-Keepers LLC Columbia .......................573-442-6171 Jefferson City.................573-635-6196
Architects/Builders/Designers Copeland Development and Construction Company, Inc. Chillicothe ......................660-707-1412
Federal Construction, Inc. Springfield .....................800-299-5400
ATM Equipment/Service Bankers Security Inc. Raytown .........................877-358-0883
Diebold Inc.
Securities Acropolis Investment Management Chesterfield ...................636-449-4900
Central States Capital Markets Prairie Village, Kan. .......800-851-6459
Edward Jones Prairie Village, Kan. .......913-262-4662
First Bankers’ Banc Securities, Inc. St. Louis .........................888-726-2880 Overland Park, Kan. ......866-530-2846
FTN Financial Memphis, Tenn. .............800-307-5421 Overland Park, Kan. ......800-307-5421
Multi-Bank Securities, Inc. Southfield, Mich.............888-278-5558
Northland Securities, Inc. Minneapolis. ..................612-851-5900
Stifel St. Louis .........................800-679-5446
The Baker Group Oklahoma City ...............405-415-7200
Vining Sparks Little Rock, Ark. .............800-733-6938 Memphis, Tenn. .............800-733-6859
Cash Management Services FIS Birmingham, Ala. ...........888-323-0310 Milwaukee, Wisc. ...........800-822-6758
Hazelwood.....................314-801-6660
Check Printing
Uniontown, Ohio............330-899-1381
Information Solutions
Federal Protection, Inc. Springfield .....................800-299-5400 FISERV Brookfield, Wisc. ...........800-872-7882
Nusource Financial Eden Prairie, Minn. ........952-942-9191
Oppliger Banking Systems, Inc. Olathe, Kan. ...................800-487-7875
Kramer & Frank, P.C. St. Louis .........................800-288-5437
Partners Financial Services, Inc. Fenton............................636-305-9877
Communications
BOLI Executive Compensation
Lenexa, Kan. ..................913-643-5000 Springfield .....................417-882-4300
Collections
Deluxe Financial Services, Inc. St. Louis .........................800-335-8931 Shoreview, Minn. ...........800-933-2211
Check Recovery Re$ubmitIt, LLC Louisville, Ky. .................866-860-5906
Charter Business Town & Country .............636-387-6383
Clarus Communications St. Charles .....................314-513-1701
Spectrio Oldsmar, Fla. .................800-584-4653
Windstream Springfield .....................417-877-4790
Computer Software & Hardware
MIB — Midwest Independent Bank Jefferson City.................800-347-4642
Pacific Coast Bankers’ Bank Walnut Creek, Calif. .......415-399-1900
Texas Capital Bank Kansas City....................913-549-3539
TIB — The Independent Bankersbank Dallas .............................800-288-4842 Irving, Texas ...................972-650-6000
UMB Bank, N.A. Kansas City....................800-742-7462
US Bank .......................................800-742-7462
Wells Fargo & Company St. Louis .........................314-955-6851 Des Moines, Iowa .........515-213-4627
Banker’s Toolbox Austin, Texas..................888-201-2231
CSI — Computer Services, Inc. Fairview Heights, Ill........800-545-4274 Paducah, Ky. ..................800-545-4274
D+H Lake Mary, Fla. ..............800-989-9009
LightEdge Solution Des Moines, Iowa ..........877-771-3343
SynTel, LLC Jonesboro, Ark. .............800-898-2540
Verafin, Inc. St. John’s, NL, Canada 866-781-8433
Consulting & Training Services Community Bank Consulting Services, Inc.
Data Processing United Financial Services St. Charles .....................262-376-3000
Debit and Credit Cards Security BankCard Center, Inc. Norman, Okla. ...............405-826-5617
Vantiv Cincinnati .......................513-900-4613
Deposit Acquisition/Retention Promontory Interfinancial Network Arlington, Va. .................866-776-6426 Overland Park, Kan. . . . 866-776-6426
Funding
St. Louis .........................314-863-1954
DD&F Consulting Group Little Rock, Ark. .............501-374-2600
John M. Floyd & Associates Baytown, Texas..............800-809-2307
Pentegra Retirement Services
BancAlliance Chevy Chase, Md. .........301-232-5400
Federal Home Loan Bank of Des Moines Kansas City. . . . . . . . . . 800-544-3452
Minnetonka, Minn. ........800-872-3473
Des Moines, Iowa . . . . . 800-544-3452
White Plains, N.Y. ...........800-872-3473
Government Agencies
Strunk, LLC Kansas City....................800-728-3116
Superior Consulting Springfield .....................417-887-2124
Terry Compliance Consulting St. Louis .........................314-540-3122
Correspondent Banking BMO Harris Bank St. Louis .........................314-543-3300
Commerce Bank Kansas City....................800-821-2182
Country Club Bank Kansas City....................816-751-9386
First National Bank of St. Louis St. Louis .........................877-472-6974
Great Southern Bank .......................................417-895-4749
JP Morgan Chase & Co. Chicago .........................312-732-7981
Missouri Agricultural and Small Business Development Authority Jefferson City.................573-751-2129
Missouri Development Finance Board Jefferson City.................573-751-8479
Information Solutions SNL Financial Charlottesville, Va. .........434-951-4419
Insurance/Bonding ABA Insurance Services, Inc. Call Missouri Bankers Insurance Services at 800-234-4939 Mayfield Heights, Ohio . 800-274-5222
Agents National Title Columbia .......................866-483-2763
AmTrust Cleveland ................... 800-682-1635
The Missouri Banker • January 2015
Page 19
Bankers’ Resource Directory Insurance/Bonding J.T. Miller Company, Inc. Eureka ............................ 800-328-4545 Hamel, Minn. .................. 800-328-4545
Kansas Bankers Surety Company Topeka, Kan. ..................785-228-0000
KeyState Captive Management Las Vegas . . . . . . . . . . . . 702-598-3738
Lee & Mason Financial Columbia .......................888-685-8442
Lenders Insurance Solutions Group, LLC Ozark .............................417-581-8070
Missouri Bankers Insurance Services Powered by Nicoud Call MBIS at 800-234-4939 Springfield, Ill. . . . . . . . . . 844-546-7034
Mountain Life Insurance Company Alcoa, Tenn. . . . . . . . . . 800-888-6542 . . . . . . . . . . . . . . . . . . 800-874-3378
Spectrum Financial Services Inc. Omaha, Neb. . . . . . . . . 800-421-8339
The Plateau Group Crossville, Tenn. ............800-752-8328
The Travelers Companies, Inc. Call Missouri Bankers Insurance Services at 800-234-4939 St. Louis .........................888-916-1442
Truman Wilson & Associates Kansas City. . . . . . . . . . 816-387-1595
Investment Banking Commerce Street Capital, LLC Dallas .............................214-545-6846
Raymond James Memphis, Tenn. .............800-564-2249
Ross, Sinclaire and Associates Doniphan .......................617-748-5532
Sandler O’Neill + Partners, L.P. New York. . . . . . . . . . . . 800-635-6851
The Capital Corporation, LLC Lenexa, Kan. . . . . . . . . . 913-498-8188 Overland Park, Kan. . . . 913-498-8188
IRA & Qualified Plan Services Ascensus Brainerd, Minn. . . . . . . . 800-346-3860
Convergent Retirement Plan Solutions, LLC Brainerd, Minn. . . . . . . . 218-824-4900
IT Security Services Secure Banking Solutions Madison, S.D. ................605-270-9854
Technology & Networking Inc. Cape Girardeau .............800-455-2721
Law Firms Armstrong Teasdale LLP Jefferson City . . . . . . . . Kansas City. . . . . . . . . . St. Louis . . . . . . . . . . . . Overland Park, Kan. . . .
573-636-8394 816-221-3420 800-243-5070 913-814-0969
Berson Law Group
Textcaster
Leawood, Kan................913-397-2701
Brumbaugh & Quandahl, PC Kansas City....................816-842-0979
Bryan Cave, LLP Kansas City. . . . . . . . . . 816-391-7649 St. Louis . . . . . . . . . . . . 314-259-2000
Carnahan, Evans, Cantwell & Brown, P.C. Springfield .....................417-447-4400
Danna McKitrick Clayton ..........................314-889-7145
Dressler/Peters, LLC Chicago .........................312-602-7360
Greensfelder, Hemker & Gale, P.C. St. Louis .........................314-241-9090
Hackworth, Ferguson & Thompson Piedmont .......................573-223-4247
Husch Blackwell Jefferson City . . . . . . . . Kansas City. . . . . . . . . . Springfield . . . . . . . . . . St. Louis . . . . . . . . . . . .
Kansas City. . . . . . . . . . 816-746-6835 Parkville .........................816-268-2581
Modular Banking Facilities MPA Systems, Inc. Sanger, Texas . . . . . . . . 888-233-1584
Mortgage Lending Banc Mac-Community Banc Mortgage Corporation Pawnee, Ill. . . . . . . . . . . 888-821-7729
Equitable Mortgage Corp. Springfield .....................417-887-6688
Missouri Housing Development Commission Kansas City....................816-759-6600 St. Louis .........................314-877-1350
573-635-9118 816-983-8000 417-862-6726 314-480-1500
Lathrop & Gage LLC Kansas City....................816-292-2000
Lewis, Rice & Fingersh, L.C. St. Louis . . . . . . . . . . . . 314-444-7600 Martin, Leigh, Laws & Fritzlen, P.C. Kansas City....................816-221-1430
Martin Pringle, Attorneys at Law Overland Park, Kan. ......913-491-5500 Millsap & Singer, LLC St. Louis .........................636-537-0110
Veterans United Home Loans Columbia .......................573-876-2600
Office Supplies & Solutions All Nations Flag Co., Inc. Kansas City....................800-533-3524
Office Depot St. Charles .....................636-358-9093 Overland Park, Kan. ......913-358-0856
Systemax Corporation Springfield, Ill. ................217-546-6646
Other Financial Products & Services
Polsinelli PC Jefferson City . . . . . . . . 573-636-8135 Kansas City. . . . . . . . . . 816-753-1000 Springfield .....................417-869-3353 St. Joseph......................816-364-2117 St. Louis .........................314-889-8000
Spencer Fane Britt & Browne LLP Jefferson City . . . . . . . . Kansas City. . . . . . . . . . Springfield . . . . . . . . . . St. Louis . . . . . . . . . . . .
877-267-1001 800-526-6529 855-588-9791 800-862-6869
Stinson Leonard Street Kansas City. . . . . . . . . . 816-842-8600 St. Louis . . . . . . . . . . . . 314-863-0800
Thompson Coburn LLP St. Louis . . . . . . . . . . . . 314-552-6000
Lending Risk Management Sageworks Raleigh, N.C. . ...............866-603-7029
States Resources Corp. Omaha, Neb. .................800-279-8295
ABA Prepaid Card Washington, D.C. ..........202-663-5088
Affordable Equity Partners, Inc. Columbia .......................573-443-2021
St. Louis .........................800-221-0855
emfluence digital marketing agency Kansas City....................877-813-6245
Gremln.com St. Louis .........................314-915-8738
Harland Clarke Farmington ....................800-382-0818 San Antonio, Texas ........800-382-0818
Tan-Tar-A Resort, Golf Club, Marina & Indoor Water Park Osage Beach . . . . . . . . 800-826-8272
Shredding Services Cintas Corporation Hazelwood . . . . . . . . . . 314-595-5208 Hazelwood . . . . . . . . . . 800-795-7368
Technology Consulting BankOnIT Oklahoma City ...............800-498-8877
CalTech San Angelo, Texas .........325-223-6100
NetGain Technologies Manchester ....................314-968-2237
Training Services Association of Certified Financial Crime Specialists Miami. . . . . . . . . . . . . . . 913-486-6676
Travel Services ACENDAS Mission, Kan. . . . . . . . . 800-544-3019
Trust Services Citadel Trust Advisors St. Louis .........................800-332-2963
Key MBA Associate Members and Members Endorsed Vendors list current as of Jan. 14, 2015
Banc Statements, Inc. Birmingham, Ala. ...........877-956-5783
Career 1 Source Hesston, Kan. . . . . . . . . 620-327-0372
EverFi Inc. Washington, D.C. . . . . . 202-625-0011
First Capital Tulsa, Okla. . . . . . . . . . . 918-289-1853
Jack Henry & Associates Monett............................417-235-6652
Standard & Poor’s Ratings Services New York........................212-438-2028
Tipton Systems St. Louis .........................800-899-2997
Marketing Digital Intersection
Resorts and Hotels
Payment Technologies Clearent, LLC Clayton ..........................888-366-6390
FIS Jacksonville, Fla. ...........888-323-0310 Orlando, Fla. ..................800-327-1892 Plano, Texas ..................972-335-1205
Tipton Systems Kansas City....................800-899-2997
MBA associate membership is designed for vendors, consultants and financial service providers offering important products and services to Missouri banks. If building stronger relationships with financial institutions in Missouri would be beneficial to your business, consider joining MBA as an associate member. For more information, visit mobankers.com.
Page 20
The Missouri Banker • January 2015
February 25 & 26, 2015 Tan-Tar-A Resort Osage Beach, Missouri
2015 Technology Conference TRADE SHOW VENDORS Get Behind The Wheel & Test Drive Exhibits You know there’s a product that could streamline your operations, but who has the time to research what works and what doesn’t? Now is the perfect time at MBA’s Technology Conference. During three dedicated 25 minute intervals, conference attendees can participate in live demonstrations from vendors sharing their latest products and services. This is your opportunity to select vendors of your choice and test drive their products, ask TXHVWLRQV DQG GHWHUPLQH WKH ULJKW ¿W IRU \RX
AOS Banc Statements, Inc.
CONFERENCE SESSIONS The Path Ahead in Payments: From Mobile to Digital to Invisible Lee Wetherington 3URÂżW6WDUV
Who Moved My Customers? Transforming Branch Operations and Staff 'DYLG 3HWHUVRQ L 6WUDWHJLHV
Winning Over Customers with Email Marketing Automation 0LFKDHO 7LSWRQ HPĂ€XHQFH
Hash Tags to Security Holds-Using Social Networking to Compromise a Financial Institution 6WHYH 6WDVLXNRQLV
Information Technology Risk Management & Cybersecurity $ - 6WHLJHU -U &,6$ )',& .DQVDV &LW\ 5HJLRQDO 2IÂżFH
Third-Party Relationships: Are You Meeting the Requirements? 7LP 0F3HDN 6DJHZRUNV ,QF
Malware, Mules & Money 6WHYH 6WDVLXNRQLV 6HFXUH 1HWZRUN 7HFKQRORJLHV
Branch Transformation: Gateway to Customer Engagement 'DYLG 3HWHUVRQ
Bank Intranets Bankers Security Inc. BKD CPAs & Advisors CalTech CoNetrix Elliott Data System Federal Protection Fiserv
REGISTRATION FORM - MBA Technology Conference February 25 & 26, 2015 Please PRINT or TYPE appropriate section(s) below. You may photocopy this form for additional registrants. Please enter the information below EXACTLY as you wish it to appear on your name badge and registration list.
BANK INFORMATION ______________ Bank/Firm ___________________________________
Integrity Technology, Inc.
Address _____________________________________
KPM CPAs & Advisors
City/State/Zip ________________________________
Secure Banking Solutions Superior Consulting, LLC Supernal Software
$ _________
† Non-Member Fee ... $750 #______
$ _________
Total amount due
$ _________
† Check enclosed, payable to MBA.
Phone_______________________________________ Fax_________________________________________
NAME OF ATTENDEE ______________
SynTel, LLC - Document Output Center
Name ____________________________________________
Technology & Networking, Inc.
Title _____________________________________________
TransFund
† Member Fee............ $375 #______
† Invoice the bank.
MIB Banc Services, LLC PrintMail Systems, Inc.
PAYMENT WITH CHECK OR INVOICE _
PAYMENT WITH CREDIT CARD ______ † Member Fee............ $386 #______
$ _________
† Non-Member Fee ... $772 #______
$ _________
Total amount due
$ _________
Credit Card Payment* (Please type.) ____ † VISA
† MasterCard
E-Mail ___________________________________________
([S 'DWH ___________________________________
Photocopy form for additional registrants. 1R _________________________________________
Visit the MBA’s website at www.mobankers.com for a conference brochure or to register online or call MBA at 573-636-8151.
7\SH 1DPH __________________________________
3 WAYS TO REGISTER _____________
6LJQDWXUH ___________________________________
By Phone - Call 573-636-8151 By FAX - 573-634-2754. Online - www.mobankers.com
*Only VISA and MasterCard are accepted.