Palmetto Banker FOUR 2023 by SouthCarolinaBankers

SOUTH CAROLINA BANKERS ASSOCIATION

Issue Four 2023

Collin D. Mackie, Partner and National Sales director | 864.414.1739 | cmackie@cbfunding.com

CBFunding.com

Our Solutions

Our Industries

Our Clients

ln today’s fast-paced, everchanging market, companies large and small rely upon positive cash flow and ongoing financing to maintain operations, meet goals and increase profitability.

For over twenty years, Capital Business Funding has provided reliable financing solutions to companies in a wide range of industries from manufacturing to startups and telecom.

Each of our clients is unique and therefore deserves a bespoke financing plan tailored for their varying funding needs. We develop trusting relationships and invest in our clients’ growth.

2009 Park Street I PO Box 1483 Columbia, S.C., 29202-1483 803.779.0850 I Fax: 803.779.0890

www.scbankers.org 2023-24 SC BA EXEC U TIV E CO M M ITTE E Chairman................................................................................................... Boyd B. Jones, Synovus Chair-Elect................................................................. Jennifer T. Jones, CBL State Savings Bank First Vice Chairman................................................................... H. Richard Sturm, Ameris Bank Treasurer....................................................................... Samuel R. Small, Jr., First Palmetto Bank Immediate Past Chairman............................. Fleetwood S. Hassell, The Bank of South Carolina 2023-24 SC BA BOARD O F D IR E CTO R S Second Immediate Past Chairman...................................K. Wayne Wicker, South Atlantic Bank President & CEO................................... Fred L. Green III, South Carolina Bankers Association Directors.......................................................................... Marc J. Bogan, Bank of the Lowcountry Stacy B. Brandon, Bank of America Renee R. Brooks, SouthState Bank William O. Buyck, Jr., Bank of Clarendon Allan B. Carter, Kingstree Federal Savings & Loan Michael E. Edens, First Reliance Bank Mary D. Garcia, Pinnacle Financial Partners M. J. Huggins III, United Bank Coleman A. Kirven, The Peoples Bank John M. Leighton, SouthState Bank Benita E. Lefft, Optus Bank Michael M. Sarvis, First National Bank Kevin M. Short, TD Bank, N.A. B. Oneal Staples, Ameris Bank Philip R. Wahl II, Security Federal Bank 2023-24 C OMMUNI TY B A N KE R S D IV IS IO N B OA R D Chairman.......................................................................... Michael E. Edens, First Reliance Bank Immediate Past Chairman.................................Curtis T. Evatt, Oconee Federal Savings & Loan Directors.................................................................................... Kenneth M. Harper, Countybank William J. Holmes III, First Carolina Bank Jamin M. Hujik, The Southern Bank Joseph S. Kassim, First Capital Bank Coleman A. Kirven, The Peoples Bank Brooks Melton, Beacon Community Bank Dominik Mjartan, Optus Bank R. Scott Plyler, South Atlantic Bank James B. Smith, The Citizens Bank Eugene H. Walpole IV, The Bank of South Carolina 2023-24 BANK ERS SCH O O L B OA R D Chairman.............................................................................. John M. Leighton, SouthState Bank Chairman-Elect...........................................Robert P. Hucks II, Coastal Carolina National Bank Immediate Past Chairman.................................................... J. Reeves Skeen, First Citizens Bank Directors................................................................ Thomas C. Anderson, Jr., First Palmetto Bank Nathan T. Crowe, Security Federal Bank Mary D. Garcia, Pinnacle Financial Partners Kenneth M. Harper, Countybank William R. Johnston, Southern First Bank Joseph A. Painter, First Community Bank Michelle B. Seaver, United Community Bank Allison P. Stout, South Atlantic Bank Charles K. Talbert, Bank of the Lowcountry Course Coordinators......................................................................................... James R. Clarkson John C. Griggs III, Synovus Ford P. Menefee, The Bank of South Carolina Marvin E. Robinson, Jr., Ameris Bank 2023-24 YOUNG BAN KE R S D IV IS IO N B OA R D O F D I R EC T OR S Chairman...................................................................................... B. Oneal Staples, Ameris Bank Chairman-Elect............................................................................ Othniel W. Laffitte, First Bank First Vice Chair..................................................................Margi M. Fleming, The Citizens Bank Immediate Past Chairman.......................................................... Rufus T. Dunlap V, Countybank Directors.........................................................M. Charles Abbott, Jr., Carolina Bank & Trust Co. Eugene A. Gardner IV, TD Bank, N.A. Margaret C. Harken, The Bank of South Carolina Vaughan R. Dozier, Jr., First Community Bank Blake H. Dressler, First Reliance Bank Austin J. Goforth, First Palmetto Bank Lauren D. Greene, First Citizens Bank Mallory Holley, Security Federal Bank Joseph H. Hyman, The Conway National Bank Everette J. Livingston, First Citizens Bank Ashleigh Oxner Malm, Arthur State Bank Jeff T. Manning, SouthState Bank S. Alexis Matthews, The Peoples Bank Albert A. Munn V, South Atlantic Bank W. Clarke Walker, Southern First Bank

Contents 5

President’s Message

ABA Update

8 13 14 16 30

2023 Scholarship Golf Tournament Preferred Vendor Perspectives

2024 Young Bankers Division Conference Preview Associate Member Directory

2023 BankPAC Sporting Clays Tournament

Welcome New Members

Personal Transactions

Banking News

2024 SC Bankers School News

Education Calendar

SC B A St a f f President & CEO................................ Fred L. Green III Chief Operating Officer....................... Richards H. Green Senior Vice President........................... Carolyn L. Bradley Senior Vice President........................... E. Anne Gillespie Senior Vice President & Counsel........ A. O’Neil Rashley, Jr., Esq. Accounting Officer............................... Israel D. Reeves Communications & Engagement........ Diane Krell Administrative Assistant...................... Bonnie E. Nelson The Palmetto Banker is a publication of the South Carolina Bankers Association. The magazine exists to serve its members by communicating news of interest, education and SCBA activities. Items from members are welcome, however the editor reserves the right to refuse copy. With the exception of official announcements, the SCBA disclaims responsibility for opinions expressed and statements made in articles published in the Palmetto Banker.

Growing Strong With roots in the Columbia business community for more than twenty five years and a specialty in accounting and advisory services for banks, Scott and Company has a long history of providing extreme value to our clients through tax, audit, accounting, and consulting services. Throughout the years, we have grown with many of our clients. In many ways, their success has allowed us to blossom into the firm we are today.

BANKING SERVICES External Audits Tax Compliance & Planning Internal Audits IT Assurance Bank Secrecy Act

President’s Message

2023:

A YEAR LIKE

No Other

Fred L. Green III, President & CEO South Carolina Bankers Association

Each year as I sit down to write this article I always think back and reflect on everything that occurred during the year. Sometimes things change so quickly and dramatically that the significant events get blurry. Each year has its opportunities and challenges, but looking back over this past year, 2023 was a year like no other.

Looking forward on this same short list of significant events, let’s consider what 2024 might bring.

Consider this brief summary of just some of the significant events that impacted all of us.

• Although there is no more talk about future bank failures, those that occurred last year have empowered the regulators to initiate sweeping and dramatic changes we will need to work through in 2024.

• The Federal Reserve continued its rate increases at a historical level, both in speed and magnitude. Fed Funds went from .25% to 5.25% in a little over a year. • This rapid and significant rise in rates was a contributing factor, among several others, in three of the largest bank failures in US history. • Although these banks had an idiosyncratic business model, the news media and many other “talking heads” predicted the downfall of the community banking system. • Our country avoided a much-anticipated debt ceiling crisis in the eleventh hour with a short-term “kick the can down the road” solution. • Inflation continued to be a challenge this year for every American. After peaking at a 40 year high in June 2022, we started a slow march down throughout 2023. • Bank stocks, at no surprise, fell out of favor this year with national indexes falling 20-25% around mid-year. • In addition to the various Speaker elections, we ended 2023 with our past President in court and our current President in an impeachment inquiry. The list could go on and on, but it is a good reminder of how quickly things can change and how resilient the banking industry is at maneuvering through significant challenges. Just as it is important to look back, it is even more important to look forward.

• The Federal Reserve signaled a pause in increases and expectations for three rate reductions this year.

• The 11th hour legislation on the debt ceiling suspended the nation’s borrowing limit only to January 1, 2025. Significant work needs to occur throughout 2024 to avoid another potential crisis. • Inflation will continue its downward slow march throughout 2024 and is expected to drop to around 2.4% at year-end. • The stock market has rebounded nicely, up 15% in the last two months of the year. Expectations for 2024 are higher, and the recession fears for next year are waning. • Politics will occupy the national news through the year with this next election year choosing a President and control of the House and Senate. It is way too early to even predict the outcomes. I used to say that I look forward to a more normal year as we turn the calendar on January 1. However, I now think that the rate of change and the opportunities and challenges that come with it might be the new normal. However 2024 turns out, our industry has proven we are up for any challenge because of the hard working, smart, innovative, dedicated men and women who call themselves BANKERS. I will close by thanking you all for your support, encouragement, and friendship throughout this past year. More importantly, let me wish you all a VERY HAPPY 2024. I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Don’t sit back while your competitors proactively respond to changes in interest rates and non-interest income. Make informed deposit, loan, and fee pricing decisions faster and easier by providing relevant, timely, and accurate competitor data from S&P Global Market Intelligence. spglobal.com/SCBA-Interest-Rates

ABA U p d at e

AGAINST A RISING TIDE of

REGULATION,

Banks Must Row Together Whenever a new election cycle comes along, it’s not uncommon to hear pundits make mention of “red waves” or “blue waves,” denoting potential power swings in Congress. But as bankers contemplate the future of our country and the policy environment that will shape the future of our industry, there’s another wave that we need to talk about: a tsunami of complex regulation that’s hitting the banking sector as we speak. To be sure, the tide turned quickly: last year’s turbulent spring ignited a rulemaking frenzy at the banking agencies. Suddenly, new proposals sprang up to increase bank capital levels, impose a new long-term debt requirement and make the resolution planning process more complex. Simultaneously, the CFPB imposed long-awaited small business reporting requirements under Section 1071 of the Dodd-Frank Act—which went far above and beyond what was outlined in the statute. The Federal Reserve issued a proposal to cap interchange fees under Regulation II, and the FDIC is now pursuing significant changes to its corporate governance guidelines. Against all that, the agencies finalized a long-awaited update to the Community Reinvestment Act framework—a staggeringly complex, 1,500-page final rule that creates significant new requirements that have the potential to fundamentally alter banks’ business strategies.

Meanwhile, in Congress, banks are facing the resurgent threat of the so-called “Credit Card Competition Act,” which would apply Durbin Amendment-like provisions to credit cards—the equivalent of lawmakers taking money from banks and putting it into the cash registers of mega retailers. Taken together, these policies place a tremendous cost and compliance burden on banks of all sizes—at a time when they are already facing a tough operating environment due to a protracted period of high interest rates and ongoing geopolitical tensions. These policies will also have devastating effects for consumers. Banking is, after all, a business—and in order for banks to offer the full range of financial products and ser vices to meet the needs of communities, they need to be profitable, and have an operating environment that supports growth. The current regulatory landscape will do the opposite. Banks that are already considered well-capitalized by regulators’ own admission will be forced to hold even more capital in reserve—which means less capital will be available to lend to the local small business looking to expand, or to the young family looking to buy their first home. Simultaneously, changes to the fee income streams upon which banks have long depended could spell the end of free or low-cost checking products, and popular rewards programs that consumers value.

Rob Nichols, President and CEO American Bankers Association nichols@aba.com

W h a t ’s p e r h a p s m o s t c on c e r n i n g, however, is the fact that regulators don’t seem to understand the full impact of their actions. As we observed with the Reg II rulemaking and the so-called “Basel III endgame” proposal, regulators are failing to adequately assess the potential costs of the individual regulations on banks and consumers—let alone contemplate what the cumulative impact of all these rules would be. ABA is sounding the alarm. We need to make sure policymakers in Washington— from members of the administration to lawmakers in Congress to the regulators holding the rule-writing pens— understand that regulatory burden has a real-world cost, not just for banks, but for consumers, small businesses and the American economy. If you’re reading this, I urge you to help u s t e l l t h a t s t o r y. J o i n o u r B a n k Ambassador program to rekindle relationships with your congressional delegation and help educate policymakers about banking. Stay informed and send a letter about an issue that will affect your bank through ABA’s grassroots platform, SecureAmericanOpportunity.com. Make a plan to come to the nation’s capital in March for the ABA Washington Summit, and tap a colleague or two to come along. The sobering reality for banks right now is that rougher seas are likely ahead— but our best hope is to row together.

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Young Bankers Division

2023

Young Bankers Division Annual Scholarship Golf Tournament In a remarkable display of support for education and the development of future leaders, the Young Bankers Division Annual Scholarship Golf Tournament achieved unprecedented success at the Columbia Country Club on October 2, 2023. With a sold-out tournament of 132 golfers and a waiting list, the event showcased the outstanding commitment of the banking community towards fostering educational opportunities in South Carolina. With a sunny, war m atmosphere filled with camaraderie, the tour nament provided an exceptional platform for participants to not only showcase their golfing skills but also network with industry professionals. Bankers, associate members, and friends alike reveled in the fantastic weather, creating great memories together. Beyond the enjoyment experienced on the greens, the event held a much deeper significance. The record number of sponsorships secured for the tournament demonstrated the unwavering dedication of our members to supporting scholarships and nurturing the next generation of leaders.

SEPT

The success of the Young Bankers Division Annual Scholarship Golf Tournament was measured not only by the incredible turnout, but also by the funds raised for the Palmetto Scholarships. Through the collective efforts of participants and the generous contributions from sponsors, an incredible sum of over $35,000 was generated, exceeding expectations. These funds will enable deserving students of bank employees to pursue their dreams of higher education and create a lasting impact on the future of South Carolina. As we reflect on this outstanding event, we are filled with gratitude and look forward to the continuing success of future tournaments, ensuring that South Carolina’s brightest minds are guided towards a prosperous and fulfilling future. Be sure to save the date for Monday, September 30, 2024 and join us at our next scholarship golf tournament. Please contact Carolyn for sponsorship opportunities, carolynbradley@scbankers.org.

2024 Young Bankers Division Scholarship Golf Tournament Monday, September 30 | Columbia Country Club | Blythewood, SC

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Thank You Sponsors

Congratulations to the A/R Funding team for winning with a score of 50: (left to right) Connor Holden, Thomas Bradshaw, and Crawford Reeves, pictured with Charles “Charlie” Abbott, Jr., Carolina Bank & Trust Co., Florence, and Golf Tournament chair of the Young Bankers Division Board of Directors. (Absent from winning team photo is Gordon Farr)

Congratulations to Crawford Reeves with A/R Funding, for winning the longest drive competition—again this year!

Thanks to our associate member BHG Financial for providing this great golf club raffle. Our lucky winner was Everett Lawrence with United Community Bank in Greenville.

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Young Bankers Division

Photo Recap

2023 ANNUAL SCHOLARSHIP GOLF TOURNAMENT

BDC has funded more than

$300 Million in SSBCI loans for small businesses in SC.

During the past 10 years, BDC has partnered with commercial banks to administer the SSBCI Loan Participation Program, with fundings totaling more than $300 million in loans throughout South Carolina. Ranging from $100,000 to $20 million, the SSBCI program provides business loans with reduced equity requirements while mitigating risk for the lender, allowing fast turnaround times with flexible terms on owner occupied real estate and equipment loan requests. For more information on how the SSBCI Program can benefit you and your customers, contact one of our lenders today.

Peter Shand President & CEO PShand@BDCofSC.org 803.744.0305

Rob Evans Senior Vice President SBA and SSBCI Lending Officer REvans@BDCofSC.org 803.744.0308

Nat Green Senior Vice President SSBCI Lending Officer NGreen@BDCofSC.org 803.744.0309

Michael Reis Senior Vice President SBA and SSBCI Lending Officer MReis@BDCofSC.org 803.744.0312

A Leader in Small Business Lending

BDCofSC.org

Luis Lima Account Executive

PERSPECTIVES

H E L P F U L

T I P S

704.544.3704 LLima@travelers.com

T O

Avoid Losses from HELOC Fraud Scams Home Equity Line of Credit (HELOC) scams continue to be a costly and challenging issue for financial institutions. Wire transfer fraud can easily reach millions of dollars, and with advancements in technology, such as online databases for county clerk records, online banking and online title searching, data commonly used by financial institutions to verify customer identity for wire transactions is routinely and easily compromised. Several financial institutions have fallen victim to losses arising out of wire transfer and check forgery schemes targeting HELOC accounts and have taken action to mitigate the risk of future loss experience. Institutions that place a high value on their customer service and customer confidence in the institution’s security against wire transfer fraud have implemented risk mitigation upgrades to their operations to help solidify customer confidence. According to Travelers, the following steps are initiatives that can help to avoid, or at least significantly reduce, losses arising out of HELOC fraud scams: • Place greater emphasis on getting full account numbers from callers; • Phrase verification questions so that the caller is providing the information, rather than simply confirming what the financial institution has on file; • Remove items from the list of authentication options (such as mother’s maiden name and date of birth) that have become “public information” through social media websites and venues; • Train employees who field calls to verify authentication items in a specific order and not skip to other items if the caller cannot verify the requested information; • Train personnel with an updated full fraud-awareness module to help employees identify warning signs of fraud; • Encourage customers to set up PIN numbers if the automated phone system allows it; • Update customer account files with driver’s license numbers, if not copies of the entire driver’s license (or other government-issued ID if there is no driver’s license); • Utilize a mandatory callback procedure for all customer-not-present wire transfer requests; • Use a password to authenticate customers rather than commonly compromised information and only allow in-person modification of passwords and key account information; • Consider requiring full balance transfers (or transfers up to a certain percentage of the available funds) to be made in person while placing a reasonable monetary limit (or percentage limit) on customer-not-present wire transfer requests; • Establish a reporting procedure which refers all suspicious wire transfer requests to a higher level of authority for confirmation/processing; • Require a dual telephone confirmation procedure where the financial institution calls the home phone of the customer as well as an alternate number, such as a mobile phone or work phone; • Establish an automatic two-day holding pattern anytime a request is made to initiate a wire transfer from a HELOC account to a foreign bank account within which time the financial institution ensures accurate verification and deters fraudsters seeking immediate processing; • Verify change of address or phone number requests with a call to the customer’s phone number on file; • Customize specific and unique verification questions and procedures with an account holder/customer that can only be modified in-person. • Consider performing a verification call back when a purported customer calls the bank to set up on-line banking for the first time. Technology has made it easier than ever for bad actors to obtain data that is commonly used by financial institutions to verify the identity of their customers. That’s why financial institutions must utilize robust authentication procedures to protect their customers – and themselves – from wire transfer fraud. This includes greater awareness, updated and vigilant policies, procedures and training, and implementing imaginative and unique verification procedures to help reduce the risk of loss arising out of wire transfer fraud targeting HELOC accounts. Travelers is committed to managing and mitigating risks and exposures, and does so backed by financial stability and a dedicated team – from underwriters to claim professionals – whose mission is to insure and protect a company’s assets. For more information, visit travelers.com. I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Young Bankers Division

Calling All Emerging Leaders!

Young Bankers Division Annual Conference March 8-10, 2024 The Omni Grove Park Inn Asheville, NC

Jantzen N. “J.” Blackmon Special Agent/Criminal Investigator Homeland Security Investigations Greenville, SC

Jessica L. Kearney Assistant Vice President of Public Policy Initiatives Travelers Institute Hartford, CT

D. Brad Rustin IV Partner, Chair Financial Services Regulatory Practice Nelson Mullins Riley & Scarborough, LLP Greenville, SC

Patrick S. DiMarco Business Development and Investor Relations Cason Development Group Columbia, SC

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Join us in Asheville, NC for the Young Bankers Division Annual Conference at The Omni Grove Park Inn from March 8-10, 2024. This event aims to promote leadership development, enhance career growth, and provide valuable networking opportunities. We are excited to present a diverse array of speakers who will cover a range of important topics. One of our esteemed speakers is Jantzen N. “J.” Blackmon, a Special Agent and Criminal Investigator with Homeland Security Investigations. Agent J will discuss network intrusions, event triage, and crypto currencies in his session titled “Tales from an NIFR– Network Intrusion First Responder.” Jessica L. Kearney, Assistant Vice President of Public Policy Initiatives at Travelers Institute, will give an economic, public policy, and political update in her session. She will analyze the macro-economic landscape and discuss the challenges facing Congress and the Biden Administration. Brad Rustin IV, a Partner and Chair at Nelson Mullins Riley & Scarborough, LLP, will talk about the impact of artificial intelligence (AI) on the business of banking in his session, “AI in the Branch of 2030.” A special Prayer Breakfast will feature Patrick DiMarco, former professional football player and graduate of the University of South Carolina, who is currently a Business Development and Investor Relations executive at Cason Development Group. DiMarco will share his journey of overcoming obstacles in his session, “Faith, Family, Football.”

Another addition to the 2024 Conference is our leadership panel discussion that will be moderated by Boyd B. Jones, South Carolina Director of Middle Market Banking, Synovus and SCBA’s 2023-24 Board of Directors Chairman. Insight from South Carolina’s top banking leaders will shed light on the crucial aspects of career progression and leadership. The leadership panel will consist of: Michael C. Crapps, Founder and CEO, First Community Bank, Lexington; Jennifer T. Jones, President and CEO, CBL State Savings Bank, Greer; and H. Richard Sturm, Regional President, Carolina’s Ameris Bank, Mt. Pleasant. You don’t want to miss hearing their valuable guidance and inspiration! In addition to the conference sessions, attendees can enjoy activities such as a guided waterfall hike, an Asheville microbrewery tour, a tour of the Biltmore Estate, golfing at The Omni Grove Park Inn’s championship course, and indulging in the renowned spa at the resort. This conference promises valuable insights, networking opportunities, and a memorable experience in Asheville, a city known for its vibrant downtown, arts scene, historic architecture, and culinary offerings.

REGISTER NOW to join us in Asheville March 8-10, for a conference that will enhance your leadership skills, career development, and industry knowledge. For more information, please contact Carolyn Bradley, carolynbradley@scbankers.org.

Michael C. Crapps Founder and CEO First Community Bank Lexington, SC

Boyd B. Jones South Carolina Director of Middle Market Banking Synovus Columbia, SC

Jennifer T. Jones President and CEO CBL State Savings Bank Greer, SC

H. Richard Sturm Regional President, Carolina’s Ameris Bank Mt. Pleasant, SC

We greatly appreciate our Associate Members... 5iron

501 Corporate Centre, Suite 120 Franklin, TN 37067 Primary Contact: Mr. Jason Bradley jbradley@5iron.com (615) 579-6538 www.5iron.com Organization Type: IT Services

A/R Funding

126 Millport Circle Greenville, SC 29607 Primary Contact: Mr. Crawford Reeves creeves@arfunding.com (864) 250-2107 www.arfunding.com Organization Type: Lending/Leasing Services

AaSys Group, Inc.

11301 N. US Hwy 301, Suite 101 Thonotosassa, FL 33592 Primary Contact: Mrs. Colleen Wynn CWynn@aasysgroup.com (540) 908-7608 www.aasysgroup.com Organization Type: IT Services

Adams and Reese, LLP

1221 Main Street, Suite 1200 Columbia, SC 29201 Primary Contact: Mr. William P. McElveen, Jr. bill.mcelveen@arlaw.com (803) 212-4957 www.arlaw.com Organization Type: Law Firms

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Affordable Equity Partners

168 N. Meramec Ave. #201 Clayton, MO 63105 Primary Contact: Ms. Ellen Vossbrink evossbrink@aepartners.com (573) 443-2021 www.aepartners.com Organization Type: Investment Banking

AgFirst Farm Credit Bank

PO Box 1499 Columbia, SC 29202 Primary Contact: Ms. Laura K. Kauffman lkauffman@agfirst.com (803) 753-2172 www.agfirst.com Organization Type: Lending/Leasing Services

Alera Group

1122 S. Main Street, Suite B Greenville, SC 29601 Primary Contact: Mr. Brian Stritt bstritt@forumbenefits.com (864) 233-1101 www.forumbenefits.aleragroup.com Organization Type: Insurance Products/Services

ArborOne Farm Credit

800 Woody Jones Blvd. Florence, SC 29501 Primary Contact: Mr. Brad Fjestad bfjestad@arborone.com (843) 624-5869 www.arborone.com Organization Type: Lending/Leasing Services

Atlantic Merchant Services, LLC

1121 Situs Ct., Suite 375 Raleigh, NC 27606 Primary Contact: Mr. Jerry Savage jerry.savage@atlanticmerchant.com (877) 947-1800 www.atlanticmerchant.com Organization Type: Card/Merchant Processing

Banc Card of America

BlueCross BlueShield of South Carolina 8901 Farrow Road Columbia, SC 29203 Primary Contact: Mr. Gregory M. Waterstradt Greg.waterstradt@bcbssc.com (803) 264-5157 www.southcarolinablues.com Organization Type: Insurance Products/Services

7347 Charlotte Pike Nashville, TN 37209 Primary Contact: Mr. Nick D. Brown nbrown@banccard.com (615) 352-6956 www.banccard.com Organization Type: Card/Merchant Processing

Burr & Forman LLP

BankTalentHQ

Business Development Corporation Certified Development Corporation

3201 West White Oaks Dr., Suite 400 Springfield, IL 62704 Primary Contact: Ms. Maddison Augustine mharner@illinois.bank (217) 789-9340 www.banktalenthq.com Organization Type: Human Resource Services

Barnes, Alford, Stork & Johnson, LLP 1613 Main Street Columbia, SC 29201 Primary Contact: Mr. David G. Wolff david@basjlaw.com (803) 799-1111 www.barnesalford.com Organization Type: Law Firms

BHG Financial

201 Solar Street Syracuse, NY 13204 Primary Contact: Ms. Rachel Thornton rthornton@bhg-inc.com (315) 671-4108 bankershealthcaregroup.com Organization Type: Lending/Leasing Services

100 Calhoun Street, Suite 400 Charleston, SC 29401 Primary Contact: Mrs. Jennifer Blumenthal jblumenthal@burr.com (843) 973-6822 www.burr.com Organization Type: Law Firms

111 Executive Center Dr., Suite 225 Columbia, SC 29210 Primary Contact: Mr. Peter G. Shand PShand@BDCofSC.org (803) 744-0305 www.BDCofSC.org Organization Type: Lending/Leasing Services

Capital Business Funding

84 Villa Road Greenville, SC 29607 Primary Contact: Mr. Collin D. Mackie cmackie@cbfunding.com (864) 414-1739 www.cbfunding.com Organization Type: Lending/Leasing Services

Carr, Riggs & Ingram, LLC

4004 Summit Boulevard NE, Suite 800 Atlanta, GA 30319 Primary Contact: Mr. Douglas Mims dmims@CRICPA.com (770) 255-6043 www.cricpa.com Organization Type: Accounting/CPA Services

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Cassidy Coates Price, P.A.

1052 N. Church Street Greenville, SC 29601 Primary Contact: Mrs. Amber B. Glidewell aglidewell@cassidycoates.com (864) 349-2620 www.roecassidy.com Organization Type: Law Firms

CBIZ Flex-Pay

4194 Mendenhall Oaks Parkway, Suite 101 High Point, NC 27265 Primary Contact: Mr. Christopher Tanis Christopher.Tanis@CBIZ.com (908) 698-0404 www.flex-pay.com Organization Type: Payroll Services

CBSi

Compass South Appraisals

PO Box 1766 Walterboro, SC 29488 Primary Contact: Mr. Travis L. Avant travis@compasssouth.com (843) 538-6814 www.compasssouthappraisals.com Organization Type: Appraisal Management

Convergint Technologies

7812 Redsky Drive Cincinnati, OH 45249 Primary Contact: Mr. Justin Morrison justin.morrison@convergint.com (513) 771-1717 www.convergint.com Organization Type: Physical Security Equipment

617 Greenway Drive Florence, SC 29501 Primary Contact: Mr. George R. Dawson, IV Gdawson@trustcbsi.com (803) 609-3368 www.cbs-i.com Organization Type: Physical Security Equipment

Crawford & von Keller, LLC

Centrant Community Capital

Crescent Mortgage Company

Community Bankers’ Bank

CRS Data

3601 Haworth Drive Raleigh, NC 27609 Primary Contact: Mr. David R. Bennett david@centrant.org (984) 344-9992 www.centrant.org Organization Type: CRA Credit Solution

PO Box 268 Midlothian, VA 23113 Primary Contact: Mr. Gary R. Shook gshook@cbbonline.com (800) 210-8492 www.cbbonline.com Organization Type: Correspondent Banks

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

1640 St. Julian Place Columbia, SC 29204 Primary Contact: Mr. B. Lindsay Crawford, IV blcrawford@crawfordvk.com (803) 790-2626 www.crawfordvk.com Organization Type: Law Firms

6600 Peachtree Dunwoody Road Atlanta, GA 30328 Primary Contact: Mr. Skip Willcox swillcox@crescentmortgage.net (478) 357-4441 www.crescentmortgage.com Organization Type: Mortgage Specialists

341 Troy Circle SW Knoxville, TN 37919 Primary Contact: Mrs. Van Duong vduong@crsdata.com (865) 368-6414 www.crsdata.com Organization Type: Information Services

CSRA Business Lending

Delta Dental

D.A. Davidson

Deluxe Bankers Dashboard

3626 Walton Way Extension, Suite 300 Augusta, GA 30909 Primary Contact: Mr. Randy Griffin rgriffin@csrardc.org (706) 210-2010 www.csrabusinesslending.com Organization Type: Lending/Leasing Services

1230 Peachtree Street N.E., Suite 940 Atlanta, GA 30309 Primary Contact: Mr. Charles Stubbs cstubbs@dadco.com (919) 740-4671 dadavidson.com Organization Type: Investment Banking

Darling Consulting Group

260 Merrimac Street Newburyport, MA 01950 Primary Contact: Ms. Kelly Coletti kcoletti@darlingconsulting.com (978) 463-0400 www.darlingconsulting.com Organization Type: Risk Management Services

DC BLOX

12399 Gravois Road St. Louis, MO 63127 Primary Contact: Mr. James Barone jim.barone@deltadentalmo.com (314) 656-2740 www.deltadentalsc.com Organization Type: Insurance Products/Services

303 Kings Circle Myrtle Beach, SC 29577 Primary Contact: Mr. Richard N. Burch Dick.Burch@deluxe.com (843) 997-6253 www.deluxe.com Organization Type: Check Printing

Eclipse Brand Builders

5050 Research Court, Suite 600 Suwanee, GA 30024 Primary Contact: Ms. Sharon Morris smorris@eclipsebrandbuilders.com (404) 731-6361 www.eclipsebrandbuilders.com Organization Type: Bank Architects/ Construction

ECS Southeast, LLP

33 Global Drive Greenville, SC 29607 Primary Contact: Mr. Ted Hassold ted.hassold@dcblox.com (864) 420-6954 www.dcblox.com Organization Type: Data Processing

2031 Industrial Boulevard Lexington, SC 29072 Primary Contact: Mr. Chuck Whipple cwhipple@ecslimited.com (803) 605-7492 www.ecslimited.com Organization Type: Bank Architects/ Construction

DCI

Elliott Davis, LLC

20 West 2nd Avenue Hutchinson, KS 67501 Primary Contact: Ms. Jesse Tosten jtosten@datacenterinc.com (620) 694-6800 www.datacenterinc.com Organization Type: Data Processing

355 South Main Street, Suite 500 Greenville, SC 29601 Primary Contact: Mr. Robert M. Stevens robert.stevens@elliottdavis.com (864) 552-4819 www.elliottdavis.com Organization Type: Accounting/CPA Services

DDI Technology an IAA company

PO Box 2078 Lexington, SC 29071 Primary Contact: Mr. Jonathan “Jon” Campbell jonathan.campbell@dditechnology.com (516) 246-1738 www.dditechnology.com Organization Type: IT Services I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Employer HR Group

1100 Shirley Street, Suite 200 Columbia, SC 29205 Primary Contact: Mr. Josh Ard jard@employerhrgroup.com (803) 252-2566 www.employerHRgroup.com Organization Type: Human Resource Services

Equity Valuation Partners

82 Plantation Pointe, Suite 213 Fairhope, AL 36532 Primary Contact: Mrs. Margaret Morgan margaretm@yourevp.com (251) 943-6904 www.yourevp.com Organization Type: Appraisal Management

Ernst and Young LLC

100 North Tryon Street Charlotte, NC 28202 Primary Contact: Mr. Shawn Saulsberry Shawn.Saulsberry@ey.com (704) 338-0566 www.ey.com Organization Type: Accounting/CPA Services

ETS National, Inc.

3224 Moonlight Drive Charleston, SC 29414 Primary Contact: Ms. Kelly Yakes kelly@etsnational.com (843) 367-0566 www.etsnational.com Organization Type: Environmental Consulting

Evans, Simpson & Associates, Inc. 107 Huntsman Lane Lexington, SC 29072 Primary Contact: Mr. Donald Ballentine dballentine@evans-simpson.com (864) 361-0794 www.evans-simpson.com Organization Type: Insurance Products/Services

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Federal Home Loan Bank of Atlanta

1475 Peachtree Street Atlanta, GA 30309 Primary Contact: Mr. R. Daniel Williams DWilliams3@fhlbatl.com (404) 888-8449 www.fhlbatl.com Organization Type: Correspondent Banks

Federal Reserve Bank of Richmond

530 E. Trade Street Charlotte, NC 28202 Primary Contact: Mr. Matthew A. Martin matthew.martin@rich.frb.org (704) 358-2101 www.rich.frb.org Organization Type: Government Related Entity

FHN Financial

845 Crossover Lane, Suite 150 Memphis, TN 38117 Primary Contact: Mr. Trae Winston trae.winston@ftnfinancial.com (901) 435-8757 www.fhnfinancial.com Organization Type: Investment Advisory

Finkel Law Firm LLC

1201 Main Street, Suite 1800 Columbia, SC 29201 Primary Contact: Mrs. Sharon C. Bramlett sbramlett@finkellaw.com (803) 765-2935 www.finkellaw.com Organization Type: Law Firms

First Bankers’ Banc Securities, Inc. 6800 College Blvd., Suite 420 Overland Park, KS 66211 Primary Contact: Mr. Jim Lewis jlewis@FBBSinc.com (866) 530-2846 www.FBBSinc.com Organization Type: Investment Banking

First National Bankers Bank

605 Crescent Executive Court, Suite 224 Lake Mary, FL 32746 Primary Contact: Mrs. Rose J. Washofsky rwashofsky@bankers-bank.com (407) 541-1620 www.bankers-bank.com Organization Type: Investment Banking

Fiserv Inc.

Haynsworth Sinkler Boyd, P.A. PO Box 11889 Columbia, SC 29211 Primary Contact: Mrs. Keely F. Yates kyates@hsblawfirm.com (803) 920-5610 www.hsblawfirm.com Organization Type: Law Firms

HORNE

2900 Westside Parkway Alpharetta, GA 30004 Primary Contact: Ms. Kaylor Webb kaylor.webb@fiserv.com (404) 693-2124 www.fiserv.com Organization Type: Data Processing

8 Cadillac Drive, Suite 160 Brentwood, TN 37027 Primary Contact: Ms. Melissa Poole melissa.poole@horne.com (615) 312-9060 www.horne.com Organization Type: Accounting/CPA Services

FORVIS, LLP

Hovde Group, LLC

Gallivan, White & Boyd, P.A.

HUB International

11 Brendan Way, Suite 200 Greenville, SC 29615 Primary Contact: Mr. David A Wiggins david.wiggins@forvis.com (864) 288-5544 www.forvis.com/industries/financial-services Organization Type: Accounting/CPA Services

1201 Main Street, Suite 1200 Columbia, SC 29201 Primary Contact: Ms. Lindsay A. Joyner LJoyner@gwblawfirm.com (803) 724-1706 www.gwblawfirm.com Organization Type: Law Firms

Graybill, Lansche & Vinzani, LLC 2721 Devine Street Columbia, SC 29205 Primary Contact: Mr. Jacob S. Barker jbarker@glvlawfirm.com (843) 408-4063 www.glvlawfirm.com Organization Type: Law Firms

Haberfeld

615 South Collete Street, 9th Floor Charlotte, NC 28202 Primary Contact: Mr. Michael P. Corso mcorso@hovdegroup.com (312) 614-0522 www.hovdegroup.com Organization Type: Investment Banking

1330 Lady Street Columbia, SC 29201 Primary Contact: Mr. Mac Humphries Mac.humphries@hubinternational.com (803) 275-7941 www.hubinternational.com Organization Type: Insurance Products/Services

Hunt Financial Group

4810 Ashley Park Lane, Unit 1419 Charlotte, NC 28210 Primary Contact: Mr. Timothy Hunt thunt@huntfinancialgroup.net (980) 335-2285 www.cplanning.com Organization Type: Bank Owned Life Insurance

206 S. 13th Street, Suite 1500 Lincoln, NE 68508 Primary Contact: Mr. Mitchell Scheuler mscheuler@haberfeld.com (402) 405-0852 www.haberfeld.com Organization Type: Marketing I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Hunton Andrews Kurth LLP

8040 N. Park Street Dunn Loving, VA 22027 Primary Contact: Mrs. Heather Archer Eastep heastep@huntonak.com (202) 955-1954 www.huntonak.com/en/ Organization Type: Law Firms

ICI Consulting, Inc.

2012 Cochran Road Maryville, TN 37203 Primary Contact: Mr. Keith Shiver keith.shiver@ici-consulting.com (865) 233-4499 www.ici-consulting.com Organization Type: IT Services

Integrated Financial Solutions

4725 Forest Ridge Lane Columbia SC 29206 Primary Contact: Mr. Michael W. Boozer mboozer.ifs@gmail.com (803) 201-9062 Organization Type: Credit Life Insurace

IntraFi Network

84 River Park Drive Atlanta, GA 30328 Primary Contact: Mr. Danny Capitel dcapitel@intrafi.com (703) 292-3400 www.promnetwork.com Organization Type: Brokerage Services

Issuer Direct Corporation

1 Glenwood Ave, Suite 1001 Raleigh, NC 27603 Primary Contact: Mr. Dominick John Dal Pizzol dominick.dalpizzol@issuerdirect.com (919) 228-6243 www.issuerdirect.com Organization Type: Compliance Services

Jack Henry Banking

663 West Highway 60 Monett, MO 65708 Primary Contact: Ms. Jacqueline Scheider JScheider@profitstars.com (417) 235-6652 www.jackhenrybanking.com Organization Type: Data Processing

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Janney Montgomery Scott LLC 1475 Peachtree Street, NE Atlanta, GA 30309 Primary Contact: Mr. Eric Lawless elawless@janney.com (404) 601-7202 www.janney.com Organization Type: Risk Management Services

Kasasa

6504 Bridge Point Parkway #500 Austin, TX 78730 Primary Contact: Mr. Ruben Ortiz Ruben.ortiz@kasasa.com (512) 944-4300 kasasa.com Organization Type: Consulting Services

Ken Smith, Inc.

8661 Monroe Road Charlotte, NC 28212 Primary Contact: Mr. Craig Magyar craig@kensmithinc.com (803) 238-1991 www.kensmithinc.com Organization Type: Physical Security Equipment

Luse Gorman, PC

5335 Wisconsin Avenue, NW, Suite 780 Washington, DC 20015 Primary Contact: Mr. Thomas P. Hutton (202) 274-2027 www.luselaw.com Organization Type: Law Firms

Mauldin & Jenkins, LLC

200 Galleria Parkway, Suite 1700 Atlanta, GA 30339 Primary Contact: Mr. Kris Trainor ktrainor@mjcpa.com (770) 955-8600 www.mjcpa.com Organization Type: Accounting/CPA Services

McMillan PLLC

184 East Bay Street, Suite 103 Charleston, SC 29401 Primary Contact: Paige Kregor, Esq. paige.kregor@mcmillanpllc.com (843) 323-4711 www.mcmillanpllc.com Organization Type: Law Firms

ModernFi

135 W. 50th Street, Suite 200 New York, NY 10020 Primary Contact: Joe Daniel jdaniel@modernfi.com (703) 474-2809 www.modernfi.com Organization Type: Brokerage Services

Monarch Private Capital

3414 Peachtree Road, NE, Suite 825 Atlanta, GA 30326 Primary Contact: Mr. Jay I. Sinsley jsinsley@monarchprivate.com (470) 283-8424 www.monarchprivate.com Organization Type: Financial Services

MPA Systems

3475 High River Road Fort Worth, TX 76155 Primary Contact: Mr. David Strong dstrong@mpasystems.com (469) 568-2137

blackdiamondgroup.com/mpa-systems

Organization Type: Bank Architects/ Construction

NAI Columbia/Earle Furman

101 E. Washington Street, Suite 300 Greenville, SC 29601 Primary Contact: Mr. Jonathan A. Good jgood@naief.com (864) 232-9040 www.naicolumbia.com Organization Type: Brokerage Services

nCino

6770 Parker Farm Drive, Suite 300 Wilmington, NC 28405 Primary Contact: Mr. Blake E. Fortier blake.fortier@ncino.com (413) 658-5262 www.ncino.com Organization Type: Lending/Leasing Services

Nelson Mullins Riley & Scarborough, LLP

PO Box 11070 Columbia, SC 29211 Primary Contact: Mr. Jody A. Bedenbaugh jody.bedenbaugh@nelsonmullins.com (803) 255-9820 www.nelsonmullins.com Organization Type: Law Firms

NETBankAudit

2000 Duke Street, Suite 300 Alexandria, VA 22314 Primary Contact: Ms. Melissa Morrell mmorrell@NETBankAudit.com (800) 243-0416 www.netbankaudit.com Organization Type: Compliance Services

Netchex

1155 Highway, 190 East Service Road Suite 200 Covington, LA 70433 Primary Contact: Mr. Alec Duncan aduncan@netchexonline.com (985) 220-1410 www.netchex.com Organization Type: Payroll Services

Newcleus, LLC

411 South State Street Newtown, PA 18940 Primary Contact: Ms. Sarah Grutka sgrutka@newcleus.com (267) 352-9227 www.newcleus.com Organization Type: Insurance Products/Services

NFP Executive Benefits

24 Marina Gardens Drive Palm Beach Gardens, FL 33410 Primary Contact: Mr. Glenn Blackwood glenn.blackwood@nfp.com (561) 253-5441 executivebenefits.nfp.com Organization Type: Bank Owned Life Insurance

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Oakline Studio

Pentegra Retirement Services

ODP Business Solutions

Performance Trust Capital Partners, LLC

11701 Borman Drive, Suite 200 Maryland Heights, MO 63146 Primary Contact: Mr. Thomas Auer tauer@intcre.com (314) 550-7554 www.oaklinestudio.com Organization Type: Bank Architects/ Construction

PO Box 13429 Salem, OR 97309 Primary Contact: Mrs. Andee Rose arose@synergybai.com (503) 576-4113 business.officedepot.com Organization Type: Office Supplies

Ogletree, Deakins, Nash, Smoak & Stewart, P.C. First Base Building 2142 Boyce Street, Suite 401 Columbia, SC 29201 Primary Contact: Ms. Leigh M. Nason leigh.nason@ogletree.com (803) 252-1300 www.ogletreedeakins.com Organization Type: Law Firms

PCBB

14300 Cold Springs Road Winston-Salem, NC 27106 Primary Contact: Mr. Frank F. Spence fspence@pcbb.com (415) 399-1900 www.pcbb.com Organization Type: Correspondent Banks

Pearl Meyer & Partners, LLC 505 Millstone Drive Hillsborough, NC 27278 Primary Contact: Mr. J. Timothy O’Rourke tim.orourke@pearlmeyer.com (919) 644-6962 www.pearlmeyer.com Organization Type: Consulting Services

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

701 Westchester Avenue, Suite 320E White Plains, NY 10604 Primary Contact: Mr. Wade Connor wade.connor@pentegra.com (704) 608-4563 www.pentegra.com Organization Type: Human Resource Services

260 Seven Farms Drive, Unit E Charleston, SC 29492 Primary Contact: Mr. Ryan Tillery rtillery@performancetrust.com (630) 740-5475 www.performancetrust.com Organization Type: Investment Advisory

Piper Sandler & Co.

3424 Peachtree Road, NE, Ste 2050 Atlanta, GA 30326 Primary Contact: Mr. Kevin P. O’Keefe Kevin.OKeefe@psc.com (800) 898-6547 www.pipersandler.com Organization Type: Investment Banking

Provident Business Financial Services

3125 Hebron Drive West Columbia, SC 29169 Primary Contact: Mr. Keith Black kblack@providentbfs.com (803) 791-0071 www.providentbfs.com Organization Type: Lending/Leasing Services

PWCampbell

109 Zeta Drive Pittsburgh, PA 15238 Primary Contact: Mr. Marshall Jett marshall.jett@pwcampbell.com (412) 737-2508 www.pwcampbell.com Organization Type: Bank Architects/ Construction

2391 Riderwood Court Marietta, GA 30062 Primary Contact: Mr. Clark Z. Alexander clark.alexander@Q2.com (678) 296-8299 www.Q2.com Organization Type: Data Processing

QSI

107 Schuler Drive Bardstown, KY 40004 Primary Contact: Mrs. Kendall Tungate kendall.tungate@qsibanking.com (502) 331-5272 www.qsibanking.com Organization Type: ATM Services

R&T Deposit Solutions

Renasant Mortgage Lending 89 Sonja Drive Greer, SC 29650 Primary Contact: Mrs. Carol W. Addy carol.addy@renasant.com (864) 848-3608 www.Renasantconnect.com Organization Type: Mortgage Specialists

Riley Pope & Laney, LLC

2838 Devine Street Columbia, SC 29205 Primary Contact: Mr. T. Lowndes Pope lpope@rplfirm.com (803) 799-9993 www.rplfirm.com Organization Type: Law Firms

4025 Roxburgh Drive Roswell, GA 30076 Primary Contact: Mr. Ward Rice wrice@rnt.com (212) 830-5307 www.rnt.com Organization Type: Lending/Leasing Services

Rivel, Inc.

RA Business Solutions

Robinson Gray Stepp & Laffitte, LLC

838 Granby Street Norfolk VA 23510 Primary Contact: Mrs. Amy Cardona acardona@retailalliance.com (757) 455-9387 www.rabsolution.com Organization Type: CRA Credit Solution

Raymond James & Associates, Inc.

4000 Westchase Blvd., Suite 500 Raleigh, NC 27607 Primary Contact: Mr. William J. Wagner william.j.wagner@raymondjames.com (919) 755-2601 www.rjfigbanking.com Organization Type: Investment Banking

57 Greens Farm Road Westport, CT 06880 Primary Contact: Mrs. Melissa Randi mrandi@rivel.com (203) 331-5118 www.rivel.com/cxlign Organization Type: Consulting Services

2151 Pickens Street, Suite 500 Columbia, SC 29201 Primary Contact: Mr. Matthew B. Hill mhill@robinsongray.com (803) 227-1124 www.robinsongray.com Organization Type: Law Firms

Rogers, Townsend & Thomas, PC 1221 Main Street Columbia, SC 29201 Primary Contact: Mr. Stuart M. Lee stuart.lee@rtt-law.com (803) 771-7900 www.rtt-law.com Organization Type: Law Firms

Route 2 Capital Partners

110 E. Count Street, Suite 501 Greenville, SC 29601 Primary Contact: Mr. R. Patrick Weston pweston@route2capital.com (864) 484-9371 www.route2capital.com Organization Type: Private Equity

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S&P Global Market Intelligence

Scott and Company CPAs

Safe Systems, Inc.

SHAZAM Network

212 7th Street NE Charlottesville, VA 22902 Primary Contact: Ryan Chakalos Ryan.Chakalos@spglobal.com (434) 529-2870 www.spglobal.com/marketintelligence Organization Type: Information Services

1145 Sanctuary Parkway, Ste. 400 Alpharetta, GA 30009 Primary Contact: Mr. Adam Causey adam.causey@safesystems.com (770) 752-0550 www.safesystems.com Organization Type: IT Services

Sawyers & Jacobs LLC

1085 Halle Park Circle Collierville, TN 38017 Primary Contact: Mr. Jimmy Sawyers jsawyers@sawyersjacobs.com (901) 487-2575 www.sawyersjacobs.com Organization Type: Risk Management Services

SBS CyberSecurity

700 S. Washington Avenue, Suite 200 Madison, SD 57042 Primary Contact: Mr. Nick Podhradskyk nick@sbscyber.com (605) 770-3926 www.sbscyber.com Organization Type: Consulting Services

SC JEDA

1201 Main Street, Suite 1600 Columbia, SC 29201 Primary Contact: Mr. Jesse A. Smith jsmith@scjeda.com (803) 727-8004 www.scjeda.com Organization Type: Government Related Entity

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Post Office Box 8388 29202 1441 Main Street, Ste 800 Columbia, SC 29201 Primary Contact: Mr. John M. Price (803) 256-6021 www.scottandco.com Organization Type: Accounting/CPA Services

6700 Pioneer Parkway Johnston, IA 50131 Primary Contact: Mrs. Cynthia Glover cglover@shazam.net (906) 436-2178 www.shazam.net Organization Type: Card/Merchant Processing

Smith Debnam Narron Drake Saintsing & Myers, LLP

4601 Six Forks Road, Suite 400 Raleigh, NC 27609 Primary Contact: Mrs. Patricia Picquet ppicquet@smithdebnamlaw.com (919) 250-2157 www.smithdebnamlaw.com Organization Type: Law Firms

South Carolina Bankers Employee Benefit Trust

PO Box 533 Chapin, SC 29036 Primary Contact: Ms. Teresa D. Taylor ttaylor@scbebt.org (803) 575-8401 www.scbebt.org Organization Type: Healthcare

South Carolina Board of Financial Institutions

1205 Pendleton Street, Suite 305 Columbia, SC 29201 Primary Contact: Ms. Kathy L. Bickham Kathy.bickham@banking.sc.gov (803) 734-2001 www.bofi.sc.gov Organization Type: Government Related Entity

South Carolina State Treasurer

Steve H. Powell & Company

South Carolina Student Loan

Strategic Resource Management

Southern Bank Equipment

StrategyCorps

Wade Hampton Office Building Columbia, SC 29201 Primary Contact: The Honorable Curtis M. Loftis treasurer@sto.sc.gov (803) 734-2101 treasurer.sc.gov Organization Type: Government Related Entity

1901 Main Street, Suite 400 Columbia, SC 29201 Primary Contact: Mr. Trey Simon tsimon@scstudentloan.org (803) 612-5052 www.scstudentloan.org Organization Type: Lending/Leasing Services

PO Box 938 Duluth, GA 30096 Primary Contact: Ms. Beth Hausmann beth@southernbankequipment.com (770) 751-1412 www.southernbankequipment.com Organization Type: Physical Security Equipment

Spectrum Enterprise

9300 Arrowpoint Blvd. Charlotte, NC 28273 Primary Contact: Ms. Melissa Root melissa.root@charter.com (704) 650-1245 www.enterprise.spectrum.com Organization Type: Telecommunications

Stephens Inc.

3344 Peachtree Road NE, Suite 1650 Atlanta, GA 30326 Primary Contact: Mr. Brian Branson brian.branson@stephens.com (404) 461-5111 www.stephens.com Organization Type: Investment Banking

PO Box 2701 Statesboro, GA 30459 Primary Contact: Mr. Brad Washburn bwashburn@shpco.net (912) 682-8628 www.shpco.net Organization Type: Compliance Services

17114 Bridgeton Lane Huntersville, NC 28078 Primary Contact: Mr. Dana P. Davis ddavis@srmcorp.com (704) 906-0440 www.srmcorp.com Organization Type: Consulting Services

100 Westwood Place, Suite 400 Brentwood, TN 37027 Primary Contact: Adam Thompson adam.thompson@strategycorps.com (615) 519-7907 www.strategycorps.com Organization Type: Marketing

Tax Credit Marketplace, LLC 777 Lowndes Hill Road, BDG# 3 Suite 110 Greenville, SC 29607 Primary Contact: Mr. Josh Workman jworkman@taxcreditmp.com (864) 679-4706 www.taxcreditmp.com Organization Type: CRA Credit Solution

TCG & Associates, Merrill Lynch 1301 Gervais Street, Suite 1500 Columbia, SC 29201 fa.ml.com/tcgandassociates Organization Type: Portfolio Management Services

The Baker Group

375 Deer Park Avenue Babylon, NY 11702 Primary Contact: Mr. Jason B. Bader JBader@gobaker.com (405) 415-7370 www.gobaker.com Organization Type: Portfolio Management Services I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

The Brandon Agency

3023 Church Street Myrtle Beach, SC 29577 Primary Contact: Mr. Scott Brandon SBrandon@thebrandonagency.com (843) 916-2000 www.thebrandonagency.com Organization Type: Marketing

The Capital Corporation

TNB Financial Services

706 E. Washington Street Greenville, SC 29601 Primary Contact: Mr. Scott Cheney sccheney@tnbfinancial.com (864) 605-6952 tnbfinancial.com Organization Type: Investment Advisory

84 Villa Road Greenville, SC 29615 Primary Contact: Mr. C. Dan Adams danadams@thecapitalcorp.com (864) 542-2562 www.thecapitalcorp.com Organization Type: Investment Banking

Travelers Insurance

The Sourcing Group LLC

True Digital Group, LLC

901 Brookwood Dr. Columbia, SC 29201 Primary Contact: Mr. Robbie Fuller rfuller@TheSourcingGroup.com (803) 724-5463 www.TheSourcingGroup.com Organization Type: Printing Solutions

Thomson Reuters

20640 Greenwood Avenue Lakeville, MN 55044 Primary Contact: Mr. Brian Overson brian.overson@thomsonreuters.com (952) 334-3181 www.thomsonreuters.com Organization Type: Risk Management Services

TIB, N.A.

3709 Alden Street Indian Trail, NC 28079 Primary Contact: Mr. Mac Cochrane MCochrane@tib.bank (704) 620-8841 www.TIB.bank Organization Type: Correspondent Banks

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

11440 Carmel Commons Blvd. Charlotte, NC 28226 Primary Contact: Mr. Luis A. Lima, Jr. (704) 544-3712 www.travelers.com Organization Type: Insurance Products/Services

12333 Sowden Rd, Ste B, PMB 69747 Houston, TX 77080 Primary Contact: Ms. Avery Geehr avery@truedigitalgroup.com (904) 422-7704 www.truedigitalgroup.com Organization Type: Risk Management Services

Turner Padget Graham & Laney, PA

40 Calhoun Street, Suite 200 Charleston, SC 19401 Primary Contact: Ms. Denise Bradley dBradley@turnerpadget.com (843) 579-8321 www.turnerpadget.com Organization Type: Law Firms

Tyson Sign Company, Inc.

PO Box 50580 Myrtle Beach, SC 29579 Primary Contact: Ms. Debbie B. Jenkins djenkins@tysonsign.com (843) 448-5168 www.tysonsign.com Organization Type: Marketing

United Bankers’ Bank

1650 W. 82nd Street, Suite 1500 Bloomington, MN 55431 Primary Contact: Mr. Trey Moore Trey.moore@ubb.com (803) 522-0269 www.ubb.com Organization Type: Correspondent Banks

Vericast

2844 Youngblood Street Charlotte, NC 28203 Primary Contact: Ms. Janine E. Ciranni janine.ciranni@vericast.com (704) 526-7910 www.Vericast.com Organization Type: Check Printing

Veroogle LLC

3833 Mayfair Street, Suite 100 Myrtle Beach, SC 29577 Primary Contact: Mr. Brian Peters brianpeters@veroogle.com (843) 602-2031 www.Veroogle.com Organization Type: Card/Merchant Processing

Womble Bond Dickinson

550 South Main Street, Suite 400 Greenville, SC 29601 Primary Contact: Mr. S. Sterling Laney, III sterling.laney@wbd-us.com (864) 255-5429 www.womblebonddickinson.com Organization Type: Law Firms

Works24 Corp

12 Wedgewood Place Clayton, NC 27527 Primary Contact: Mr. Philip Edwards pedwards@works24.com (405) 843-4653 www.works24.com Organization Type: Marketing

Wyrick Robbins Yates & Ponton LLP 4101 Lake Boone Trail, Suite 300 Raleigh, NC 27607 Primary Contact: Mr. Stuart M. Rigot srigot@wyrick.com (919) 882-7122 www.wyrick.com Organization Type: Law Firm

Ward and Smith, P.A.

127 Racine Drive Wilmington, NC 28406 Primary Contact: Mr. B.T. Atkinson btatkinson@wardandsmith.com (910) 794-4845 www.wardandsmith.com Organization Type: Law Firms

Wipfli LLP

235 Peachtree Street NE, Suite 1800 Atlanta, GA 30303 Primary Contact: Mrs. Shannon Hamilton shamilton@pkm.com (404) 420-5930 www.wipfli.com Organization Type: Accounting/CPA Services

T O V I E W A N Y U P DAT E S T O O U R A S S O C I AT E M E M B E R S H I P D I R E C T O R Y , SCAN QR CODE.

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Young Bankers Division

2023

Young Bankers Division BankPAC Sporting Clays Tournament Government relations play a vital role in the South Carolina Bankers Association’s mission, and the Young Bankers Division has stepped up to actively engage in grassroots initiatives. Since 2019, the Young Bankers Division Board of Directors has taken decisive action by meeting with elected officials across the state, visiting the State House, and organizing a highly successful Sporting Clays Tournament. These efforts not only fostered relationships within the political sphere but also raised funds for the State BankPAC, enabling ongoing advocacy efforts for the banking industry in South Carolina. Recognizing the importance of building relationships with elected officials, the Young Bankers Division embarked on a mission to meet with key figures throughout the state. Each board member embraced the challenge, engaging in insightful discussions and fostering an environment of mutual understanding and collaboration. By establishing personal connections, the Young Bankers positioned themselves as trusted advocates for the banking industry’s interests, ensuring a firm grasp on the evolving legislative landscape. On November 15, 2023, with over 100 Shooters, the annual Sporting Clays Tournament took center stage at the Palmetto Shooting Complex in Edgefield, South Carolina. The event captured the spirit of friendly competition, camaraderie, and a shared commitment to supporting the banking industry. Teams from across the state NOV

30 20 30

participated, ensuring a diverse representation of South Carolina’s banking community. The tournament served as a significant fundraiser for the State BankPAC, a crucial resource for advocating for the banking industry’s goals and supporting legislators who champion pro-business policies. The generous contributions from participants and sponsors during the Sporting Clays Tournament amounted to an impressive sum of nearly $30,000, empowering the State BankPAC to make meaningful contributions to legislators who prioritize the banking industry’s interests. Supporting candidates that support banking also provides the SCBA staff and bankers with the invaluable opportunity for direct contact with legislators. This faceto-face interaction facilitates open dialogue, ensuring our industry’s concerns and priorities are effectively communicated and understood by key decision-makers. By maintaining direct lines of communication, the banking community continues to shape policies and regulations that promote a conducive environment for growth and innovation. Save the date for Wednesday, November 20, 2024 and join us at our next BankPAC sporting clays tournament. Please contact Carolyn for sponsorship opportunities, carolynbradley@scbankers.org.

2024 Young Bankers Division BankPAC Sporting Clays Tournament Wednesday, November 20 | Palmetto Shooting Complex | Edgefield, SC

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Thank You Sponsors

2023 Winning Team: Michael Boozer, Integrated Financial Solutions; Charles Vernon, ArborOne Farm Credit; Duffie Powers, Gallivan, White & Boyd, P.A.; and Ben Barnhill, Nelson Mullins Riley & Scarborough, LLP

Highest female shooter: Mallory Holley, Security Federal Bank (with event chair Alexis Matthews)

Highest male shooter: Chase Colbert, First Bank, (with event chair Alexis Matthews)

Flurry Contest Winners: Ben Barnhill and Duffie Powers

Special Guest: Senator Shane Massey

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Young Bankers Division

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Photo Recap

2023 SPORTING CLAYS TOURNAMENT

New M e mb e r s

Welcome

We are fortunate to have an active and engaged roster of Associate members and proudly welcome these new members:

Darling Consulting Group 260 Merrimac Street Newburyport, MA 01950 (978) 463-0400 www.darlingconsulting.com Ms. Kelly Coletti Director of Marketing Communications 260 Merrimac Street Newburyport, MA 01950 (603) 339-1158 kcoletti@darlingconsulting.com Q2 10355 Pecan Park Boulevard Austin, TX 78729 (833) 444-3469 www.Q2.com Mr. Clark Z. Alexander Principal Customer Success Manager 2391 Riderwood Court Marietta, GA 30062 (678) 296-8299 clark.alexander@Q2.com

True Digital Group, LLC 12333 Sowden Rd, Ste B Houston, TX 77080 www.truedigitalgroup.com Ms. Avery Geehr Vice President, Sales 400 Golden Isles Dr, Unit 14 Hallandale Beach, FL 33009 (904) 422-7704 avery@truedigitalgroup.com

Darling Consulting Group is a leading provider of risk management consulting and strategic advisory services to the banking industry DCG’s services include independent strategic ALM consulting, model risk management and validation, education, and decisionmaking support tools. With over 40 years of experience, their team of experts provides advice and guidance that is tailored specifically to each institution — bringing clarity to the complex.

Q2 is a leading provider of digital banking and lending solutions to banks, credit unions, alternative finance companies, and fintechs in the U.S. and internationally. Q2’s comprehensive solution set allows its customers to better onboard, grow and serve their consumer, small business and corporate clients. Headquartered in Austin, Texas, Q2 has offices throughout the world and is publicly traded on the NYSE under the stock symbol QTWO.

True Digital helps bankers build, use, and adopt technology so they can continue to serve and empower people, businesses, and communities. From building a first-of-its-kind digital network for banks to discover vendors and connect with peers, to their latest initiative, Showcase, where they partner with innovative bankers to bring game-changing bank-built technology to market. Their team has deep experience in banking and the tech industry — made up of entrepreneurs, founders, makers, builders, planners, and dreamers.

With all of the evolving financial industry changes, we are thankful for business alliances that meet our members’ needs. The SCBA is dedicated to supporting and promoting cutting-edge industry providers to our member banks. For more information about Associate Membership, please contact SCBA Senior Vice President, Carolyn Laffitte Bradley by email at carolynbradley@scbankers.org 34

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Always Your Partner. Never Your Competition. FNBB is your trusted correspondent banking partner. With FNBB, you gain access to a financially stable provider and the assurance that we will never be your competition.

Charlie Brinkley

Rose Washofsky

Jeff Sands

Wes Caudell

Regional Market President

Relationship Manager

Correspondent Lending Officer

Investments Sales Representative

cbrinkley@bankers-bank.com

rwashofsky@bankers-bank.com

jsands@bankers-bank.com

wcaudell@bankers-bank.com

Lending Services Operations Services Capital Markets Services Bank Formation Services FNBB Services Corp. Services FNBB Capital Markets, LLC Services FNBB Insurance Agency, LLC Services

800.275.4222 To learn more, scan the QR code and visit our website.

Service Beyond Comparison FNBB Capital Markets, LLC services are offered through an affiliate FINRA broker dealer. FNBB Services Corp. is not a CPA firm and does not engage in the practice of public accounting. Insurance products are not insured by any Federal government agency. Not a deposit. Not FDIC insured and not guaranteed by this bank.

MEMBER FDIC

Personal Transactions

Jessica Suggs

Ashley Rider

Paul Pickhardt

Patrice Freeman

John Moore

Jamie Addison

Vaughan R. Dozier, Jr.

Bryan Goodyear

Drew Painter

J. Ted Nissen

Mark Schepp

Marjorie Bokern

Dani Gerald

Paul Shorter

J. Huggins III

ANDERSON BROTHERS BANK

FIRST COMMUNITY BANK

Jessica Suggs, the graphic design and social media manager of their Marketing Department in Mullins, has recently earned the Certificate of Completion and Advanced Certificate in Bank Marketing in April of 2023 from the ABA Bank Marketing School. She was also awarded the prestigious Certified Financial Marketing Professional (CFMP) designation by the Institute of Certified Bankers, a subsidiary of the ABA.

Jamie Addison, has been named regional market president for the bank’s Lexington region.

Marjorie Bokern, has joined as a financial advisor assistant at Charleston Morrison Yard.

Vaughan R. Dozier, Jr., has been named executive vice president in the role of co-chief commercial and retail banking officer.

Dani Gerald, has joined as a community mortgage advisor at Charleston Morrison Yard.

Bryan Goodyear, has been named the regional market president for the bank’s Columbia region.

Paul Shorter, has joined as a financial advisor at Charleston Morrison Yard.

ARTHUR STATE BANK Ashley Rider has joined the bank as the commercial banking officer for its Columbia, South Carolina, locations.

COUNTYBANK Paul Pickhardt, Senior Vice President, SBA Lending Manager for Countybank, announced his retirement, effective December 31, 2023. Patrice Freeman has been appointed banking officer by the Countybank Board of Directors. John Moore has been appointed banking officer by the Countybank Board of Directors. 36

Joseph A. “Drew” Painter, has been named executive vice president in the role of co-chief commercial and retail banking officer. J. Ted Nissen, has been named CEO of the bank (effective July 1, 2024) while still retaining the role of president. He will also be joining First Community’s Board of Directors.

FIRST RELIANCE BANK Mark Schepp, has joined the bank as vice president residential lending specialist at the Johnnie Dodds Blvd., Corporate Center location in Mount Pleasant, SC.

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

PINNACLE FINANCIAL PARTNERS

SOUTHSTATE BANK Jack Goettee, President, Central Banking Group in Charleston, announced his retirement on December 31, 2023, after over 40 years in the banking industry.

UNITED BANK M.J. “J.” Huggins III, Executive Vice President and Regional President for United Bank, has joined the Board of Directors of Business Development Corporation (BDC).

Do you want to reach target decision makers within South Carolina’s financial services community? SCBA has magazine advertising opportunities for you!

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At Centrant, we believe everyone should have a safe, affordable place to call home. Our mission-driven approach to lending connects committed banks of all sizes with dedicated developers to create and preserve quality affordable multifamily housing. And, we believe building strong communities starts with building strong partnerships.

Join us today! (984) 344-9992 david@centrant.org centrant.org

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

Banking News

ANDERSON BROTHERS BANK Anderson Brothers Bank donated $1,000 to CMD’s Pantry (CELLIS MAJOR DRIFFIN I – CEDRIC MOSES DRIFFIN PANTRY & RESOURCE HUB). This donation will assist with general expenses related to food deliveries to low-income residents throughout Williamsburg and Florence counties. CMD’s Pantry is a non-profit organization established in 2019 and is run by the Driffin family. The organization aims to provide healthy food to low-income families, senior citizens, and disabled individuals in Williamsburg and the surrounding counties; this is made possible by partnerships with Low Country Food Bank and Food Share South Carolina.

Pictured (left to right):Sonya Royston, Mortgage Loan Consultant for Countybank Mortgage and First Light board member; Peggy Chamblee, Financial Center Manager for Countybank and First Light board member; Amy Whitney, Retail Banking Sales Manager for Countybank; Jimmy Fowler, Market Executive for Countybank and a member of Leadership 38 Class; and Amy Broome, Mortgage Loan Consultant for Countybank Mortgage.

Countybank is excited to announce that it has successfully completed its fourth annual swipe to donate campaign that occurred throughout December 2023. “We could not be more thankful to our customers for consistently using their debit cards during the holiday season to help us reach our goal,” said R. Thornwell Dunlap III, President and CEO of Countybank. “These funds will aid in the ongoing activities and operations of Upstate organizations as we enter 2024. We are honored to have the means to contribute to these great causes.”

COUNTYBANK Countybank recently donated $5,000 to First Light. The donation will go toward making interior and exterior facility improvements and helping fund the organization’s programming. First Light, previously known as Foothills Alliance, serves as a 24/7 sexual assault and child abuse resource center. “The Leadership 38 Class has put in a lot of hard work through pressure washing, mulching, garden revitalization, yard work, and minor building improvements,” said Fowler. “But we still have a lot of work to do. That’s where Countybank comes in. Countybank’s donation will enable us to complete some of the more extensive facility improvements that are needed.” 38

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

The campaign kicked off on December 1, and continued through the end of the month. Through this campaign the bank was able to reach its goal and donate more than $150,000 in 2023 to local non-profit and charitable organizations that the Countybank Foundation supports. These included: •Community Initatives •First Light •Habitat for Humanity •Hospice & Palliative Care of the Piedmont •Salvation Army •Soup kitchens across the Upstate •United Way •And many more Please visit www.ecountybank.com/swipe.html, to learn more about the campaign.

Countybank celebrated its 90th anniversary in business in 2023. Founded in 1933, the bank was created during the Great Depression, at a time of community hardship, when local business leaders identified the need for a dependable bank that would help people and businesses in the local community prosper. Since then, Countybank has seen significant growth and now serves residents and businesses in multiple locations across South Carolina’s Upstate. After years of offering personal and business banking solutions, the bank recognized a need to provide its customers with a suite of financial services from one dependable trusted community source. Countybank expanded trust, investments, and mortgage services in the 1990s, and Countybanc Insurance was established in 1998. Today, Countybank offers a full family of financial services with the goal of supporting the entire financial needs of local families and businesses.

banking objectives. Countybank has also provided funding for those purchasing a home, having closed more than $3.2 billion in mortgage loans since 2010. Countybank also understands the importance of giving back. The Countybank Foundation was established to provide funding to nonprofit and philanthropic organizations. Since then, in addition to Countybank associates logging countless volunteer hours, the Countybank Foundation has donated more than $3.5 million to local charities. Please visit ecountybank.com/90thanniversary for more information on Countybank’s history and community impact.

“It’s an honor to serve our customers, and we’re thankful for every day we get to support the hard-working people of South Carolina,” said R. Thornwell Dunlap III, President and CEO of Countybank. “We’ve seen the Upstate grow over the last nine decades, and we look forward to many more years of serving you, our customers, clients, and communities.” Countybank is proud to be a part of the community banking industry, which provides 53% of all small business loans in addition to helping people meet their personal

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

WHEN PUBLIC NOTICES REACH THE PUBLIC, EVERYONE BENEFITS. In addition to publishing public notices and legal advertisements in your local newspaper, notices from all S.C. newspapers are now also available online, free of charge and in one convenient location. SCPublicNotices.com is designed to help citizens and businesses know more about the actions of local, county and state government and the courts.

There’s no better way to notify the public than through the combination of South Carolina newspapers and SCPublicNotices.com... the permanency of print paired with the accessibility of a statewide, searchable site. SUBSCRIBE to the site’s Smart Search function to receive revelant public notices emailed to you daily. Email admin@scpublicnotices.com for a 30-day free trial of Smart Search.

SCPublicNotices.com This free service is provided by the Palmetto State’s newspapers.

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

There’s no better time (or place) to capitalize on your banking career than now. South Carolna Bankers Association is pleased to announce that the 2024 South Carolina Bankers School will be held at THE DARLA MOORE SCHOOL OF BUSINESS AT THE UNIVERSITY OF SOUTH CAROLINA, right in the middle of our state in the capitol city of Columbia! The University of South Carolina will undoubtedly enhance and elevate the overall school experience. The Darla Moore School of Business offers unparalleled, state-of-the-art classrooms and meeting spaces. Additionally, the accommodations at 650 Lincoln provide upscale, apartment-style living with a fantastic common area that fosters fellowship and networking opportunities after hours. The proximity of housing, meals and classrooms provides a smaller campus feel — maintaining the cohesive environment we have been accustomed to. For more information, please contact Carolyn Bradley, carolynbradley@scbankers.org.

S AV E T H E D AT E S & A P P LY N O W : S U N DAY, J U LY 1 4 - F R I DAY, J U LY 1 9 , 2 0 2 4

February Events BSA/AML/CFT Workshop February 6-7 Springhill Suites by Marriott Downtown/The Vista Columbia, SC

Human Resources Conference February 13 Springhill Suites by Marriott Downtown/The Vista Columbia, SC

Coming Soon...

Asset Liability Management Conference

Bank Operations Conference and Trade Show

Credit Conference

Spring Compliance Conference

Trust and Wealth Management Conference and Trade Show

Women in Banking Leadership Symposium

C H E C K O U R W EB S I T E F O R U P DAT ES!

Don’t forget the SCBA Webinars... another source for your training needs.

Please visit scbankers.org/all-online-training-opportunities to see the myriad of courses and webinars offered and to register! 42

I S S U E F O U R 2 0 2 3 • PALMETTO BANKER

2009 Park Street • PO Box 1483 Columbia, SC 29202-1483

APPLY

NOW!

2024 Palmetto Scholarships DEADLINE IS MARCH 15, 2024

2024 ANNUAL CONVENTION AND TRADE SHOW

JUNE 20-23, 2024 THE GREENBRIER WHITE SULPHUR SPRINGS, WV