Palmetto Banker Issue Two 2024

SCBA EXECUTIVE COMMITTEE

Chairman Jennifer T. Jones

CBL State Savings Bank Greer, SC

Richard Sturm Ameris Bank Mt. Pleasant, SC

SCBA BOARD OF DIRECTORS

2nd

Fleetwood S. Hassell The Bank of South Carolina Charleston, SC President &

Midlands Group Director

Benita E. Lefft Optus Bank Columbia, SC

Member-at-Large

Stacy B. Brandon Bank of America Greenville, SC

2024-2025 BOARD OF DIRECTORS

Upstate Group Director Coleman Kirven The Peoples Bank Anderson, SC

Member-at-Large William O. Buyck, Jr. Bank of Clarendon Manning, SC

Upstate Group Director Michael M. Sarvis First National Bank Greenville, SC

Member-at-Large

Laurence S. Bolchoz, Jr. Coastal Carolina National Bank Myrtle Beach, SC

Member-at-Large Alex Brame Truist Bank Greenville, SC

Community

South Atlantic Bank Murrells Inlet, SC

2024-25 SCBA EXECUTIVE COMMITTEE

2009 Park Street I PO Box 1483 Columbia, S.C., 29202-1483

803.779.0850 I Fax: 803.779.0890 www.scbankers.org

Chair ......................................................................... Jennifer T. Jones, CBL State Savings Banks

Chair-Elect

First Vice Chair

H. Richard Sturm, Ameris Bank

Samuel R. Small, Jr., First Palmetto Bank

Treasurer J. Ted Nissen, First Community Bank

Immediate Past Chair

2024-25 SCBA BOARD OF DIRECTORS

Second Immediate Past Chair

President & CEO

Directors

Boyd B. Jones, Synovus

Fleetwood S. Hassell, The Bank of South Carolina

Fred L. Green III, South Carolina Bankers Association

Laurence S. Bolchoz, Jr., Coastal Carolina National Bank

Alex Brame, Truist Bank

Stacy B. Brandon, Bank of America

William O. Buyck, Jr., Bank of Clarendon

Michael E. Edens, First Reliance Bank

Mary D. Garcia, Pinnacle Financial Partners

Robert P. Hucks II, Coastal Carolina National Bank

Coleman A. Kirven, The Peoples Bank

Othniel W. Laffitte, First Bank

Benita E. Lefft, Optus Bank

R. Scott Plyler, South Atlantic Bank

Mickey M. Renner, HomeTrust Bank

Michael M. Sarvis, First National Bank

Kevin M. Short, TD Bank, N.A.

J. Reeves Skeen, First Citizens Bank

202 4-25 COMMUNITY BANKERS DIVISION BOARD

Chair ....................................................................................

Immediate Past Chair

Directors

R. Scott Plyler, South Atlantic Bank

Michael E. Edens, First Reliance Bank

Phillip Anderson, HomeTrust Bank

Vaughan R. Dozier, Jr., First Community Bank

Scott M. Frierson, Southern Bank

Kenneth M. Harper, Countybank

William J. Holmes III, First Carolina Bank

Joseph S. Kassim, First Capital Bank

S. Alexis Matthews, The Peoples Bank

Don Snipes, Enterprise Bank of SC

Eugene H. Walpole IV, The Bank of South Carolina

2024-25 SOUTH CAROLINA BANKERS SCHOOL BOARD

Chair

Chair-Elect

Immediate Past Chair

Directors

Robert P. Hucks II, Coastal Carolina National Bank

Joseph A. Painter, First Community Bank

John M. Leighton, SouthState Bank

Thomas C. Anderson, Jr., First Palmetto Bank

Nathan T. Crowe, Security Federal Bank

Mary D. Garcia, Pinnacle Financial Partners

Kenneth M. Harper, Countybank

William E. Howard, Jr., First Citizens Bank

William R. Johnston, Southern First Bank

Rose Buyck Newton, Bank of Clarendon

Michelle B. Seaver, United Community Bank

2024-25 Chair: Jennifer T. Jones

2023-24 Chair: Boyd B. Jones

ABA Update

Women in Banking

Q&A with Tom Barkin, President & CEO, 2023-24 BankPAC Results

2024 Annual Convention & Tradeshow

Celebrating 125 Years of SCBA

Graduate School of Banking at LSU

2024 South Carolina Bankers School

2024 Palmetto Scholarships

Emerging Leaders & Financial Literacy

Welcome New Members

Personal Transactions

Banking News

John C. Griggs III, Synovus

Charles K. Talbert, Bank of the Lowcountry Course Coordinators

Ford P. Menefee, The Bank of South Carolina

Marvin E. Robinson, Jr., Ameris Bank

Allison P. Stout, South Atlantic Bank

2024-25 EMERGING LEADERS DIVISION BOARD OF DIRECTORS

Chair ............................................................................................

Chair-Elect

First Vice Chair

Othniel W. Laffitte, First Bank

Margi M. Fleming, The Citizens Bank

Reid J. Boehm, Synovus

Immediate Past Chair B. Oneal Staples, Ameris Bank

Directors

M. Charles Abbott, Jr., Carolina Bank & Trust Co.

Jamie E. Addison, First Community Bank

Jessica M. Buttles, Anderson Brothers Bank

Eugene A. Gardner IV, TD Bank, N.A.

Margaret C. Harken, The Bank of South Carolina

Blake H. Dressler, First Reliance Bank

Lauren Hendricks, United Bank

Mallory Holley, Security Federal Bank

Angela T. Klosterman, First Citizens Bank

Ashleigh Oxner Malm, Arthur State Bank

J. Jefferson Manning, SouthState Bank

Austin W. McVay, United Community Bank

Albert A. Munn V, South Atlantic Bank

Joseph Thomas, First Palmetto Bank

W. Clarke Walker, Southern First Bank

Education Calendar

SCBA Staff

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.

Controller ............................................ 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.

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Meet Your 2024-25 SCBA Chair, Jennifer Jones: Her Journey and Vision for the Future

A South Carolina native, Jennifer T. Jones, graduated from Presbyterian College in Clinton, SC in 2000 and embarked on her banking career as a loan officer at Citizens Building and Loan. She is a graduate of the South Carolina Bankers School, the Graduate School of Banking at Colorado in Boulder, CO, and the Truist Leadership Institute. Reflecting on her early days in the industry, she expressed gratitude for the mentorship of Tommy Johnson, the bank’s then-CEO, who recognized her potential and provided her with opportunities for growth and responsibility. This support propelled her career, culminating in her appointment as President and CEO in 2017—the first woman and only the ninth President and CEO of the 117year-old organization. Citizens Building and Loan underwent a rebranding to become CBL State Savings Bank in 2016.

Throughout her career, she has been deeply involved with the South Carolina Bankers Association (SCBA), taking an active role in the Young Bankers Division, where she served as Chair in 2017 and was named Outstanding Young Banker for

2016. Jennifer has served on the SCBA Board of Directors since 2017 and has participated in ten trips to Washington, D.C. with SCBA. Her efforts were recognized, leading to her invitation to serve on the American Bankers Association’s (ABA) Community Bankers Council, where she currently holds the position of Vice Chair and is a member of the ABA Government Relations Council. Additionally, she serves on the SCBA Legislative Committee.

In her recent speech at the SCBA Annual Convention, Jennifer emphasized the universal mission that binds bankers, whether they belong to small community banks or some of the largest institutions in the country: the commitment to serve. Her experiences on the ABA’s Community Bankers Council reaffirmed her belief that bankers across the nation share common values and goals.

Reflecting on the history of the SCBA, Jennifer noted the significance of the upcoming 125th Annual Convention at

Jennifer resides in Greer with her husband, Walden, and her two children, Carter (20) and Eliza (17).

The Cloister at Sea Island. She highlighted the importance of preserving the mission established over a century ago, which focuses on:

• Promoting the welfare of banks

• Ensuring uniformity in action

• Fostering personal connections

• Discussing topics vital to the banking community and the State of South Carolina.

By quoting an excerpt from the original constitution and bylaws of the SCBA: “In order to promote the general welfare and usefulness of banks… we submit the following Constitution and By-Laws for the South Carolina Bankers Association,” she expressed that the core tenets established 125 years ago remain relevant today, despite the changes in the economic environment and the state itself.

In her pledge to the SCBA community, Jennifer promised to uphold the values of unity and health for their banks and communities. She expressed heartfelt gratitude to the past chairs for their role in maintaining the organization’s culture and relevance over the decades. With a commitment to continuing this legacy, Jennifer looks forward to fostering growth and innovation as she leads the SCBA into the future.

When asked about specific visions and goals that she is excited to work towards, Jennifer stated “One of my primary goals as Chair is to ensure that the South Carolina Bankers Association is meeting the expectations and needs of its member banks. To achieve this, I would like for us to conduct a comprehensive member survey to gather insights directly from our members. This will help us align our initiatives more closely with what our banks are looking for. I also look forward to working with the

staff to highlight the rich history of the SCBA and properly celebrate our 125th anniversary.”

Additionally, when asked about some of the biggest challenges or opportunities for the association and its member banks in 2025, Jennifer responded, “The biggest challenges for the association and its member banks will involve adapting to rapid technological changes and navigating regulatory shifts.” She continued, “However, these also present opportunities for digital transformation, expanding services, and enhancing collaboration. The association can play a key role in leadership development, ensuring future success. Additionally, the 125th anniversary offers a chance to unite members around a shared vision of progress and innovation.”

In closing, Jennifer wanted to also share the following sentiments with fellow bankers in South Carolina: “As we embark on this new chapter, I’d like to extend a message of collaboration, growth, and shared purpose. Our association stands strong on a foundation of unity, built over 125 years, and our continued success will depend on our ability to adapt, innovate, and support one another in an ever-evolving financial landscape. I encourage each member to actively engage in SCBA’s initiatives, share your insights, and help shape the future of banking in South Carolina. Together, we will work to ensure that our organization not only meets but exceeds the expectations of our members. This includes fostering opportunities for emerging leaders and honoring the rich history that has brought us to where we are today.” She continued, “Let us also look forward to the next 125 years with a commitment to excellence, integrity, and service. I am excited to work alongside all of you as we continue to strengthen the bonds within our association and contribute to the prosperity of our communities.”

Taking on the role of Chair for the South Carolina Bankers Association is both an honor and a responsibility I’m deeply passionate about. My journey in the banking industry has been shaped by the mentorship and camaraderie I’ve experienced through SCBA. The opportunity to lead and give back to the association that has played such a crucial role in my career is what inspired me to step into this position. I see it as a way to contribute to the growth and success of our industry in South Carolina.

— Jennifer Jones

“

Banking is a wonderful business to be in. It has been a great honor and joy to serve as chair of this association. I am thankful to have worked with so many great professionals and it has been an experience that I will not soon forget.

2023-24 Chairman Boyd B. Jones with Family at the SCBA Annual Convention

Reflections on a Remarkable Year: Insights from SCBA Past Chairman, Boyd B. Jones

At the 2024 SCBA Annual Convention, held at The Greenbrier in West Virginia, attendees were treated to a heartfelt speech given by outgoing Chairman, Boyd B. Jones of Synovus in Columbia, who reflected on a whirlwind year of leadership and advocacy for the banking industry. “This year has flown by,” said Boyd, who expressed how rewarding it was to serve in this role during his 42-year banking career.

Elected during the previous year’s convention, Chairman Jones reemphasized his call for unity within the banking sector. This appeal was underscored by the backdrop of significant challenges, including the failures of Silicon Valley Bank and Signature Bank, which had raised the specter of disunity among various industry sectors. Fortunately, the industry demonstrated resilience and remained unified in its messaging, setting a collaborative tone for the year ahead.

Throughout his tenure, Jones engaged closely with key initiatives of the SCBA. Among the highlights was his attendance at the graduation ceremony for the SC Bankers School, where he was impressed by the caliber of graduates and the support they received from senior banking leadership. He spoke of the importance of attending such events, particularly noting the recent transition of the school to the University of South Carolina.

The annual Legislative Reception, traditionally held on the first evening of the General Assembly’s reconvening, also stood out. Despite the ominous threat of tornadoes all across the state, attendance remained strong. Boyd took the opportunity to connect with various elected officials, who praised the banking industry’s role in their own communities.

Boyd’s remarks at the convention delved into the critical importance of legislative relationships, highlighting a successful track record in legislative activities. With the goal of preventing adverse laws, he discussed a notable success regarding a rate-cap bill initially targeting payday lenders. Lawmakers recognized the banking sector not as part of the problem but as a potential solution, ultimately excluding the industry from the bill.

Chairman Jones also addressed ongoing challenges from credit unions, which sought to alter legislation allowing them to accept public deposits. SCBA successfully lobbied to ensure that legislators would impose significant safeguards to prevent unfair competition, a move that highlighted the organization’s effectiveness in defending member interests.

Moreover, the challenges posed by an anti-ESG bill in the Agriculture Committee were noted. Although the proposal intended to protect farmers from discrimination by banks, it risked opening a floodgate to frivolous lawsuits, complicating banks’ operational risks. Ultimately, the bill did not advance, showcasing the SCBA’s continued vigilance in safeguarding the banking industry.

Beyond legislative victories, Boyd reflected on the vibrant engagement within the association. He expressed delight at witnessing the enthusiasm of young banking leaders at the Young Bankers Division Conference, and the impactful Washington trip that followed, where members met with congressional delegates to help influence federal legislation.

Concluding his address, Boyd acknowledged the broader challenges faced on the national stage, specifically the dynamics between regulatory and legislative efforts influenced by the current administration. He cited the words of Sam Erwin, a previous Chair, reminding us all of the necessity for relevance and impact, both of which he believed the SCBA exemplified throughout the past year.

Chairman Jones’ personal connection to the role shone through as he expressed his love for banking and gratitude towards the SCBA staff, board of directors, his own team at Synovus, and of course his family. With sincere appreciation for their support, he emphasized the collective commitment of bankers across South Carolina to serve their customers and strengthen communities.

As he stepped down, his reflections served as a testament to a memorable year of advocacy and leadership, reinforcing the enduring importance of collaboration and unity within the banking industry.

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

Since the time of President Lincoln, American consumers have benefited from a dual banking system, made up of both state-chartered institutions and federally chartered national banks.

This system—which can trace its roots back to the U.S. Constitution—allows consumers to have more choices. It offers them a robust marketplace of banks of different sizes and business models to meet their needs. And it enables the nation’s more than 750 national banks to operate safely, soundly and efficiently across multiple jurisdictions under the supervision of the OCC, while at the same time allowing state banks to serve their communities with local supervision.

But this system, which has served our country well for more than 150 years, is now coming under threat, as lawmakers in both red states and blue states have begun to pass laws that will interfere with national bank operations, violate federal preemption and tread squarely on the OCC’s turf.

Just look at the situation currently unfolding in Illinois, with the Interchange Fee Prohibition Act that was signed into law this summer as part of the state’s budget legislation. This misguided law bans banks, credit unions, payments

Defend Dual Banking System

networks and other entities from charging or receiving interchange fees in Illinois on taxes and tips charged as part of a credit or debit card transaction.

This law—which will create unprecedented chaos and confusion for consumers and businesses if allowed to take effect— violates multiple federal statutes, including the National Bank Act and the Federal Credit Union Act, and cannot be enforced against national banks, federal savings institutions or state-chartered banks, as well as federally and state-chartered credit unions. It also runs afoul of the Electronic Fund Transfer Act, which directly addresses the permissible amount of interchange fees for debit card transactions and does not carve out taxes and gratuities.

This law, a gift to corporate mega-retailers as part of a last-minute budget deal, is the first of its kind to pass in the nation. We can’t let it stand and run the risk other states follow, which is why ABA is fighting back.

Together with the Illinois Bankers Association, America’s Credit Unions and the Illinois Credit Union League, we filed a lawsuit challenging the law, and we are seeking a preliminary injunction pausing implementation until the court can rule on the merits of our case. With top

outside lawyers assisting us, we have confidence we will prevail in this case, sending a strong message to other states looking to follow Illinois’ lead.

We’ve seen a different kind of challenge to the dual banking system in other states. Florida and Tennessee have put in place their own safety and soundness tests, encroaching on the OCC’s federal overnight of national banks.

Like ABA, the OCC has taken notice.

We’ve been encouraged by comments from Acting Comptroller Michael Hsu noting that his agency will continue to defend the dual banking system. The acting comptroller pointed out in recent remarks that “increasingly, banks are being asked by states to pick a side in service of performative politics rather than deliberative policy.” This simply shouldn’t be the case, and we will continue to urge the OCC to exercise its authority when states cross the line.

Our dual banking system has served Americans well for decades. ABA will continue to push back against efforts to undermine that system, and we’ll keep pressure on regulators to do the same.

2024

LEADERSHIP SYMPOSIUM

The 2024 Women in Banking Leadership Symposium held at the Hilton Columbia Center brought together nearly 100 women leaders for a two-day event filled with education, connection, and motivation. Attendees participated in a range of sessions, including discussions on authentic leadership, economic updates, and developing a championship mindset. The event also featured a Women in Banking Leadership Panel, showcasing the insightful perspectives of prominent leaders from the banking industry. Overall, the symposium provided a valuable platform for women in banking to share knowledge, build connections, and inspire one another towards greater success in their careers.

Many thanks to our presenters who brought so much energy, wisdom, and enthusiasm to the symposium and to our sponsors who help make this annual event possible.

DIANNE CHIPPS BAILEY Managing Director National Philanthropic Strategy Executive Bank of America Charlotte, NC

MELISSA J. FURMAN Owner Speaker, Consultant Career Potential, LLC Augusta, GA

BENITA E. LEFFT

SCBA Board of Directors, President and Chief Operating Officer Optus Bank Columbia, SC

AFERDITA M. BROWN Vice President, Commercial Banker Beacon Community Bank Charleston, SC

MARY D. GARCIA

SCBA Board of Directors, Regional Market President Pinnacle Financial Partners Mt. Pleasant, SC

NAIDA RUTHERFORD Motivational Speaker, Entrepreneur, Nurse Practitioner, Richland County Coroner, Columbia, SC

ELIZABETH W. BURWELL Senior Vice President, Team Leader Southern First Bank Charleston, SC

LINDSEY S. GRIFFIN Senior Vice President Private Client Advisor Private Bank Bank of America Columbia, SC

J. SUTTON Executive Vice President of Congressional Relations and Legislative Affairs American Bankers Association Washington, DC

A. CAPERS Director of Marketing & Outreach SC Student Loan Corporation Columbia, SC

L. JORDAN CTFA, Senior Vice President Senior Regional Wealth Advisor SouthState Wealth Columbia, SC

D. ULLRICH Senior Regional Economist Federal Reserve Bank of Richmond Charlotte, NC

LAURA

DESTRA

KIRSTEN

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MEMBER FDIC

QA &

with Tom Barkin President and CEO

Federal Reserve Bank of Richmond

Tom Barkin has served as the president and CEO of the Federal Reserve Bank of Richmond since 2018. He is responsible for bank supervision in the Federal Reserve’s Fifth District, which covers South Carolina, North Carolina, Virginia, D.C., West Virginia and Maryland, as well as for the Federal Reserve System’s technology organization. This year, Tom serves as a voting member on the Federal Reserve’s chief monetary policy body, the Federal Open Market Committee.

Prior to joining the Richmond Fed, Tom was a senior partner and CFO at McKinsey & Company, a worldwide management consulting firm, where he also oversaw McKinsey offices in the southern United States. Tom earned his bachelor’s, MBA and law degrees from Harvard University.

Let’s start at

the beginning. What brought you to the Federal Reserve in 2018?

My time with the Federal Reserve actually goes back a bit further to my time in Atlanta. I served on the Board of Directors of the Atlanta Fed from 2009 to 2014 and was the chairman of the Board those last two years. Those six years—which were pretty interesting ones, by the way, given the recovery from the Great Recession—helped me see and admire a really high-quality public institution in action.

So, in late 2017, when I was given the chance to join the Richmond Fed, I was excited about the opportunity to serve and hoped that my business experience gave me something to offer the Federal Reserve System.

How does your background inform your work at the Fed?

Each Reserve Bank president gets to decide how to approach the role—how to best contribute to the monetary policymaking process. For me, it’s pretty simple. I’m not a PhD economist. I’m not going to be the one assessing the best model or theoretical approach. What I can offer is what I hope is a unique understanding of how businesses make decisions about hiring or pricing or spending or investments, and crucially, what those decisions tell us about the path forward for the economy.

So, in preparation for Federal Open Market Committee meetings, I try to spend as much time as possible on the ground meeting with business and community leaders. In any one week, I may be in two to three states in the Fifth District. It’s a pretty grueling pace—my team jokes they have to tag team my travel schedule—but I find it energizing.

During these trips, I speak with a wide range of individuals who help me understand the real economy industry by industry. I may be in Florence learning about the challenges facing agriculture one week, and in Beaufort learning about construction the next.

These conversations help me continuously test and update my understanding of where economic activity, the labor market, and prices stand, and where they are headed. This year, for example, I have probed contacts to determine whether inflation is easing or the economy turning: Are you seeing demand slow? Have you pursued or are you considering layoffs? Do you still plan to raise prices more than your pre-COVID average?

One meeting in isolation provides one anecdote, but if you have a constant flow of meetings, and you have colleagues going out and sourcing similar information as we do at the Richmond Fed, then this approach helps you spot inflection points before they appear in the data.

Tom Barkin President and CEO Federal Reserve Bank of Richmond

What issue comes up the most in your meetings with business and community leaders?

That changes over time, and it’s always interesting to hear the shift happen in real time. In 2020, of course, it was shutdowns, stimulus and reopening momentum. In 2021, it was supply chain issues and labor availability. Then, we started to hear more and more about inflation. Most recently, people want to ask why we haven’t had a recession and — no surprise — to talk about rates.

Perhaps what’s more interesting is the issue that comes up the most beyond the more obvious ones, and that’s housing. Housing comes up in every conversation — be it with employers, public officials, or community organizations — in urban centers, small towns and rural areas. I actually wrote a speech on the topic late last year. You can read the whole thing on the Richmond Fed website, but the main takeaway is: There’s simply not enough housing supply, and that’s limiting growth and keeping prices elevated. It’s making it hard to attract workers, and in some places, it’s driving existing ones away.

What

have you been hearing from bankers in the Fifth District, and more specifically, in our state?

Bankers have front-row seats to their local economies, so they are a key group from whom I seek to learn in each community. And here’s what I’ve learned recently: rates are having their impact, but alarm bells aren’t going off. Loan demand remains modest. The liquidity issues from last year seem behind us now. The biggest issue you hear is margins — as deposit rates have risen, bank are getting squeezed. Risk is, of course, an issue in commercial real estate, but otherwise it doesn’t feel particularly elevated. Loan delinquency rates remain stable.

How do the regional reserve banks provide input to the Board of Governor’s bank regulatory policies?

You’re spot on that the Board of Governors is responsible for writing our regulations, as well as supervisory guidance. The reserve banks’ role is to oversee and enforce the policies they develop.

The regional reserve banks do help inform the Board’s policymaking process, however. Similar to my meetings on the ground with business leaders, regional Fed examiners learn a wealth of valuable insights while monitoring for safe and sound practices and compliance. Take, for example, the topic I just mentioned: commercial real estate risk. Our examiners leverage data and qualitative sources, as well as exam findings, to understand the effect of rising rates and post-pandemic factors, such as work-from-home policies, on the office sector. Our district has institutions of all sizes, from the largest most systematically important banks to small community banks, so through their work, examiners see how these risks play out in real time. Their findings are fed into the System for national risk monitoring and inform the Board of Governors’ policy updates.

CHAIRMAN’S CIRCLE

Renee R. Brooks, SouthState Bank

William O. Buyck, Jr., Bank of Clarendon

Michael E. Edens, First Reliance Bank

Fred Green III, South Carolina Bankers Association

Rick Green, South Carolina Bankers Association

M.J. Huggins III, United Bank

Jennifer T. Jones, CBL State Savings Bank

Timothy Koch, TIB, N.A.

Daniel F. Siau, South Atlantic Bank

H. Richard Sturm, Ameris Bank

K. Wayne Wicker, South Atlantic Bank

PRESIDENT’S CLUB

Jeff Benjamin, United Bank

Ryan Benton, United Bank

Marc J. Bogan, Bank of the Lowcountry

Todd M. Bogdan, Park National Bank

Laurence Bolchoz, Coastal Carolina National Bank

James Boyd, United Bank

Ronnie Burbank, United Bank

Charles F. Colbert IV, Coastal Carolina National Bank

Michael C. Crapps, First Community Bank

R. Thornwell Dunlap III, Countybank

Charles (Jerry) Fehlig, United Bank

Mary D. Garcia, Pinnacle Financial Partners

Gary Hadwin, Coastal Carolina National Bank

Robert Hucks, Coastal Carolina National Bank

John D. Kimberly, Park National Bank

Coleman Kirven, The Peoples Bank

Benita E. Lefft, Optus Bank

Bill Medich, SouthState Bank

David L. Morrow, United Bank

Terry L. O’Quinn, 1st Federal Savings Bank of SC

Kenneth M. Pickens, South Atlantic Bank

Julian (Jay) Ratterree, United Bank

Mary Jo Rogers, South Atlantic Bank

Paul J. Rogers, CBL State Savings Bank

Michael M. Sarvis, First National Bank

Ron Shaw, Park National Bank

Kevin M. Short, TD Bank

Samuel R. Small, Jr., First Palmetto Bank

Don Snipes, Enterprise Bank of South Carolina

F. Justin Strickland, First Reliance Bank

Dennis L. Wade, Coastal Carolina National Bank

Philip Wahl, Security Federal Bank

Edward K. Woltz, Coastal Carolina National Bank

Ilya Zaretsky, United Bank

Arnold A. Zipperer III, 1st Federal Savings Bank of SC

Annual Convention and Tradeshow

The 124th South Carolina Bankers Association Annual Convention, held at the iconic Greenbrier in West Virginia, was a tremendous success enjoyed by all. Nearly 300 bankers, associate members, family, and friends came together to enjoy the SCBA Annual Convention and Trade Show June 20-23. With business session topics ranging from the current political environment to cybersecurity and artificial intelligence in banking, there was something to peak everyone’s interest. The Trade Show was a valuable platform for bankers and other guests, offering a comprehensive display of products and services from exhibitors.

Save the date for next year’s 125th Special Anniversay Convention, which will take place June 23-26, 2025, at The Cloister at Sea Island Georgia.

(pictured L to R) Chairman Boyd Jones with 50-Year Club recipient Karen R. Eckford, First Palmetto Bank, Camden, and 35-Year Club recipients Terry Lynn Carter, Home Federal Savings & Loan Association, Bamberg and M.J. Huggins III, United Bank, Charleston. Awards were presented by Benita E. Lefft, Board of Directors, South Carolina Bankers Association, Optus Bank, Columbia.

The OUTSTANDING YOUNG BANKER AWARD is chosen by the SCBA Past Chairman’s Club and has been awarded to one deserving banker each year since 1970. The 2024 recipient is Rufus T. “Wells” Dunlap V of Countybank in Greenwood, SC. The award was presented by the 2023 Oustanding Young Banker, J. Reeves Skeen of First Citizens Bank in Charleston.

Congratulations, Wells!

THE SCBA CONGRATULATES THOSE WHO HAVE SERVED 50 YEARS

Gerald M. Bane First Citizens Bank Mullins, SC

Richard L. Beasley Carolina Bank and Trust Company Florence, SC

Karen R. Eckford First Palmetto Bank Camden, SC

W. Louis Griffith Bank of Clarendon Manning, SC

Joanne F. Joyner Anderson Brothers Bank Mullins, SC

June Liles Bank of the Lowcountry Walterboro, SC

Rose Timmons SouthState Bank Florence, SC

THE SCBA CONGRATULATES THOSE WHO HAVE SERVED 35 YEARS

Sharon Anderson United Community Bank Greenville, SC

Kim M. Armitage South Atlantic Bank Myrtle Beach, SC

Debbie A. Dennis United Community Laurens, SC

Gregory B. Donaldson First Community Bank Lexington, SC

35 50 Half - Century Club Thirty Five - Year Club

Andrea Bean SouthState Bank North Charleston, SC

Rosalind Bolton Bank of America Columbia, SC

Tony A. Brookshire First Community Bank Lexington, SC

Willie J. Carolina First Community Bank Lexington, SC

Donna Carroll United Community Bank Greenville, SC

Terry Lynn Carter Home Federal Savings & Loan Association Bamberg, SC

George W. Cone Bank of the Lowcountry Walterboro, SC

Yvette Cordell TD Bank, N.A. Greenville, SC

Christopher Fincher TD Bank, N.A. Greenville, SC

John Barnwell Fishburne Bank of the Lowcountry Walterboro, SC

Torey Gordon SouthState Bank Mt. Pleasant, SC

Denise Gurley United Community Bank Greenville, SC

Jo A. Horne Anderson Brothers Bank Florence, SC

M.J. Huggins III United Bank Charleston, SC

Sharon Johnson SouthState Bank North Charleston, SC

Elizabeth Keith Bank of America Columbia, SC

Eva L. Nance Bank of America Columbia, SC

Kim H. Nelson First Community Bank Lexington, SC

Cindy Parker SouthState Bank North Charleston, SC

Kelly Patterson Pinnacle Financial Partners Myrtle Beach, SC

Daniel F. Siau South Atlantic Bank Georgetown, SC

Mary Lynn Suggs Anderson Brothers Bank Mullins, SC

G. Fred Tolly III Park National Bank Anderson, SC

Carol M. Vaci South Atlantic Bank Myrtle Beach, SC

Milton R. “Micky” Watts Anderson Brothers Bank Mullins, SC

In Memoriam

Thomas M. Anderson Anderson Brothers Bank Mullins, SC

Betty M. Johnson First Community Bank Lexington, SC

Ralph W. Johnson III CBL State Savings Bank Greer, SC

Peter McKenna SouthState Bank Greenville, SC

Frank Miller SouthState Bank North Charleston, SC

Mary A. Myzell Farmers & Merchants Bank of South Carolina Holly Hill, SC

Gayle L. Rush Farmers & Merchants Bank of South Carolina Holly Hill, SC

David E. Sauls, Jr. Enterprise Bank of South Carolina Ehrhardt, SC

Freddie Saunders First Reliance Bank Florence, SC

Nancy L. Smith First Community Bank Lexington, SC

Edward J. Tarver First Community Bank Lexington, SC

Margaret S. Weathers Farmers & Merchants Bank of South Carolina Holly Hill, SC

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A Special Thank You

TO THOSE MEMBERS OF THE 2023-24

SOUTH CAROLINA BANKERS ASSOCIATION

BOARD OF DIRECTORS WHO HAVE COMPLETED THEIR TERM:

Marc J. Bogan Bank of the Lowcountry Mt. Pleasant, SC

Renee R. Brooks SouthState Bank Columbia, SC

Allan B. Carter Kingstree Federal Savings & Loan Kingstree, SC

M.J. Huggins III United Bank Charleston, SC

John M. Leighton SouthState Bank Columbia, SC

B. Oneal Staples Ameris Bank Lexington, SC

Philip R. Wahl II Security Federal Bank Aiken, SC

K. Wayne Wicker South Atlantic Bank Myrtle Beach, SC

125th Anniversary

125 YEARS OF PROGRESS:

Embracing Change While Cherishing Tradition

by Fred Green, President and CEO, South Carolina Bankers Association

One of the highlights of our Annual Convention is the “passing of the gavel” ceremony. This year our outgoing Chair, Boyd Jones, talked about our accomplishments throughout the year and expressed his gratitude toward our membership for their strong support and energetic engagement. Our incoming Chair, Jennifer Jones, talked about our culture, history and future expectations.

She also noted a unique milestone for the South Carolina Bankers Association. Next year’s convention, June 23-26, 2025 at The Cloister at Sea Island will be our 125th convention. To celebrate and commemorate this anniversary, we will publish a series of articles describing significant events during this span of time.

In planning the articles, I have powered through minutes of previous annual conventions, every Palmetto Banker magazine we have published, and the book SCBA commissioned, Making Change, published in 1990.

I have decided the best way to describe our 125 year history is to break it into several historical periods. What is most interesting to me is not how much things have changed over the years but how much things have stayed the same.

Although we do not have minutes of each convention from 1901-1926, we have enough to “fill in the blanks.” In the early years, the convention was very formal and the entire event was transcribed. Interestingly, much of what we do in our present-day conventions follow the same format as those of the past. Each convention started with an invocation. There were always committee reports, outside speakers, and ample time for social interaction. Just as today, there was great attendance of members in every convention regardless of the economic condition of the period.

The first convention was held in Columbia May 8 and 9, 1901. It is the only one different from those that followed. Mr. John M. Kirkland (Newberry) described it in a subsequent convention:

“I have been a member of this Association ever since it began. I was one of the charter members of the South Carolina Bankers Association. We had five men, who met in the city of Columbia, and we organized this convention. This association has been a great help to the banks of South Carolina.”

Its purposes as set forth were “to promote the general welfare and usefulness of banks and to secure uniformity of action, together with practical benefits to be derived from personal acquaintance and from the discussion of subjects important to the banking and commercial interests of the State of South Carolina.”

From this humble beginning of a few dozen charter banks, membership grew rapidly. In 1900, there were 252 banks in South Carolina that collectively held $44 million in customer deposits. The number of banks peaked at around 400 in 1910 and their deposits had grown to $91 million. SCBA membership records are spotty, but at the 1925 annual convention, the Association President reported 360 bank members.

The annual dues to pay the expenses of the Association were originally established at $5 per annum for banks under $50,000 in capital and $10 for banks with over $50,000 in capital. In the 1915 convention the secretary reported “…the cash on hand has been decreasing each year and something must be done to get the financials in better shape.” There was a dues increase with the top end amount going up to $25. The June 30, 1925 financial report showed total dues collected of $1735.

Just as today, national, regional, and state events impacted our industry. Consider the historical events from 1900-1925 on the timeline below.

During the 25th Convention of the South Carolina Bankers Association, there was a lot of discussion about the national and state economic impact on the banking industry. Transcribed minutes of the convention state:

Our annual gatherings have proven beneficial in a commercial and social way. Our personal contact as fellow-bankers, and our exchange of ideas, has made its impress upon the banking fraternity, and our combined efforts have wielded an influence in the financial world. We have been instrumental, in some degree at least, in enacting constructive legislation, and in preventing the passage of unfriendly and ill-advised measures.

In the face of the present condition of our banks and the general financial situation throughout our State, it is rather difficult to be over-cheerful; and yet we cannot afford to be pessimistic.

…the calamity befalling us cannot be attributed to any one particular cause. It has been brought about by a combination of circumstances — conditions which have accumulated for several years. Prosperous business and large profits, coupled with fictitious prices and exaggerated values, during and immediately after the War, led us to extravagant and costly living. Our Government’s hesitancy in negotiation of immediate peace with the warring countries of Europe, and her refusal to participate in the councils of the League of Nations, to my mind, was largely responsible for the unstable conditions, and eventually brought about the so-called deflation… Simultaneously with this unsettled condition incident to the War and its aftermath, the cotton boll weevil put in its deadly work. The principal money crop of the South was almost totally swept away.

Not satisfied with these ravages, fate visited our State last year with unprecedented floods, practically destroying all our crops. Fertilizer bills could not be paid; the time-merchant failed to collect his accounts; the banks were unable to make collections; and in many cases they could not liquidate their obligations. In the meantime, we found our securities cut in half.

Such was the gloomy outlook confronting us in the fall of 1924 and the early part of 1925. That we have not had a greater number of failures and suspensions, especially in the lower counties and exclusively agricultural sections, is indeed quite a tribute to the banking fraternity, and is conclusive proof of extraordinary sound judgment and conservative management exhibited by the great bulk of our banks during this critical period. Let us trust that the crisis is now passed.

1900

Galveston hurricane leaves an estimated 6,000 to 8,000 dead (Sept. 8). According to the census.

1908 Bureau of Investigation, forerunner of the FBI, is established (July 26).

1913

Woodrow Wilson is inaugurated as the 28th President (March 4). Seventeenth Amendment to the Constitution is ratified, providing for the direct election of U.S. senators by popular vote rather than by the state legislatures (April 8).

1914 – 1918

World War I: U.S. enters World War I, declaring war on Germany (April 6, 1917) and Austria-Hungary (Dec. 7, 1917) three years after conflict began in 1914. Armistice ending World Ward I is signed (Nov. 11, 1918).

1915

First long distance telephone service, between New York and San Francisco, is demonstrated (Jan. 25).

1916

Jeannette Rankin of Montana is the first woman elected to the U.S. House of Representatives (Nov. 7).

Even with these somber discussions, there was still a feeling of optimism for the future:

Now this convention I think, as I am a member of it is one of the greatest, if not the greatest, convention that ever assembles in South Carolina. We hold the purse strings of this State. I think that we should each and every one realize the responsibility of that thought, that we do hold the purse strings. Unfortunately a portion of our State is very much depressed on account of certain economic conditions, the boll weevil, and so forth, and consequently the collaterals, that we formerly loaned money on, in a great many instances has actually vanished. Therefore we, who are conservative, are obliged to loan money on very reduced rates compared with what we had before, and consequently it is difficult for us to have real security today but that in my opinion is only temporary. All these things will come about after a while, where we can employ our funds in a more profitable manner.

In 1913 the federal income tax was established and shortly after, South Carolina began the process of implementing a state income tax. In the Report of the Legislative Committee in 1915, the 1915 convention was first discussed.

The most important law enacted by the recent session of the Legislature is known as the Tax Commission, being … “An Act to Create a Tax Commission and to Define its Powers and Duties.”

The issue of taxation continued to be a major topic of each convention until it came to a head at the 25th Annual Convention. There was consistency in recognizing the need to play an active role in the legislative process, but the SCBA had a volunteer board with no dedicated staff. Legislative initiatives were sporadic, infrequent, and ineffective. It was proposed that the Association hire a full-time Executive Director.

Minutes from the convention on this topic show many compelling arguments for this, but I think the following comment says it best:

I want to tell you another thing, that if we organize along this line, and get the right man (if we don’t get the right man we had better not do it at all) but if we get a man of vision, a man of power (and I believe we are able to pay him), a man who really knows the business, and has got a vision, our tax inequalities in South Carolina will be largely dispensed with. Why, you take the power of the banks in South Carolina—it is unlimited. Don’t we hold the purse strings of all the money in this State? Can you conceive of a situation in our legislature (and I don’t care possibly how little sense some of them have) where, if the bankers of South Carolina are positively behind a proper and a just law, one of justice to the banks and in the interest of the banks, it would not be enacted into law? I cannot.

Arguments against hiring a full-time professional dealt with the issue of a dues increase to cover the cost and the fear of retaining membership. There were many great orators in that period, but one closed this concern with the following:

It is primarily up to us to try to get the banks of this State to co-operate in a most worthy way for a most worthy purpose. Now let’s get together. This Association is close to my heart. There is no time in my experience when I have a better time than I do coming to the Convention. Why? Because I believe it is a convention of prominent men, a convention of men who realize their duty and their responsibility, and in addition to that we have got the finest men and the best looking women in South Carolina. Let’s get together, and not defer this matter. I believe in democratic rule. I believe this body right here is more competent to arrive at a proper conclusion...

1917

Wilson’s second inauguration (March 5). First regular airmail service begins, with one round trip a day between Washington, DC and New York (May 15).

1918

Worldwide influenza epidemic strikes. By 1920, nearly 20 million are dead. In U.S., 500,000 perish.

1919

League of Nations meets for the first time; U.S. is not represented (Jan. 13). Eighteenth Amendment to the Constitution is ratified, prohibiting the manufacture, sale, and transportation of liquor. Nineteenth Amendment to the Constitution is ratified, granting women the right ot vote (Aug. 18).

1923

President Harding dies suddenly (Aug.2). He is succeeded by his vice president, Calvin Coolidge.

1925

Coolidge’s second inauguration (March 4). Tennessee passes a law against the teaching of evolution in public schools.

Those in favor of hiring dedicated staff prevailed. Later transcripts show a secretary, Mr. Henry S. Johnson, served from 1926-1933. Financial statements in 1928 show the first line item “Salary $3,000.” Dues were also increased.

The highlight of every convention is the interaction with friends. The more detailed transcripts of prior conventions confirm the importance of peer interaction, so I’ll close this article with a sampling of prior convention’s social activities.

An Excerpt from the 7th SCBA Annual Convention held on the Isle of Palms:

Committees met all trains and directed us how best to make a transfer to the Isle of Palms and many other kindnesses and courtesies were extended.

The afternoon and evening of Tuesday, June 25th, our first day, were entirely given over to social features, getting acquainted with those who were strangers and renewing and more firmly cementing the friendships with those already know. The reception on Tuesday evening was very largely attended by both ladies and gentlemen and was a most pleasant affair.

This is the first Convention at which we have had the ladies, but it will not be the last. There were some forty or fifty of them present at each of our business sessions and they entered into and positively made all our social features. Next year we hope to see a larger number present.

Wednesday at about one o’clock we adjourned our first business session to attend a mammoth fish fry. All repaired to the beach, and those who felt inclined, donned bathing suits and helped draw the seines that were, in part, to supply us with the fish. A little later we repaired to the picnic grounds, a most cool and delightful spot, a few yards away in the midst of beautiful palms, ferns, etc., and there in an open pavilion was served one of the most unique, appetizing and delicious fish fry that it has ever been our pleasure to attend.

Thursday afternoon, after final adjournment of the business sessions, all present took a delightful trolley ride to Mt. Pleasant and there boarded the historic old “Sappho” for a sail to the Navy Yard.

During the entire afternoon refreshments, both liquid and solid, were served and the occasion was voted to be an event that would long be remembered.

We arrived at the good Hotel Seashore a little after sundown and commenced preparations at once for the annual banquet. During the evening sweet music was discoursed by the First Artillery Band. When the inner man had been satisfied and cigars were lighted, Mr. Wilson G. Harvey, proved to be a most acceptable toastmaster…

An

Excerpt from

the 25th Annual Convention held in Greenville

There was a spirit of cordial greeting, which was predominant throughout this meeting, and which was indeed most gratifying to all. The indications were at the close of the first day of the Convention that attendance records of the South Carolina Bankers Association would be broken.

As stated, a reception, delightfully informal, was held in the parlors of Hotel Poinsett by the Greenville bankers and their ladies, and the cordial words of greeting upon the lips of everyone was a source of genuine gratification to all the visitors. The spirit of hearty good fellowship and friendship was very much in evidence at this reception, and there was a pleasant word and a winning smile for everyone. With such a large attendance, and with so many ladies present, the informal social gathering was an especially delightful feature of the social program. Everyone made an effort to meet as many of the gathering personally as possible. The Hotel orchestra rendered several pleasing selections during the event and the dance, which followed the reception was greatly enjoyed by all…

125th Anniversary

This has been a time-consuming, but enjoyable project looking back over our 125 years. We will build on this start with other articles throughout this year. The culmination of celebrating our 125th Annual Convention will be on June 23-26, 2025 at The Cloister and I hope many of you will join us for this celebration. If you have any old photos in your bank that represent the banking industry’s changes over time, please share them with us. We hope to put together a scrapbook of these memories to share at our convention.

The

Six South Carolina Bankers Graduate from the Graduate School of Banking at Louisiana State University

On May 31, 2024 one hundred and fifty-two bankers received graduation diplomas from the Graduate School of Banking at Louisiana State University. This three-year program provides courses covering all aspects of banking, economics and related subjects. Students traveled from sixteen states and Mexico to participate in this Session.

The Graduate School of Banking at LSU is sponsored by 15 southern-state bankers associations in cooperation with the Division of Continuing Education at LSU. Fred Green, SCBA’s President and Chief Executive Officer,

is also a State Association Trustee and Chairman of The Graduate School of Banking. The School requires attendance on campus for three annual sessions, with extensive bank study assignments between sessions.

The faculty is comprised of more than 50 bankers, business and professional leaders, and educators from all across the U.S. During their three summer sessions at the Graduate School of Banking, students receive 210 hours of classroom instruction, planned evening study, and final examinations at the end of each session.

For more information on the Graduate School of Banking at Louisiana State University and how to apply: www.gsblsu.org.

MICHAEL GLENN SouthState Bank Columbia, SC

JOE HUNTER HYMAN Conway National Bank Little River, SC

THOMAS “BLAKE” JOY United Bank Greer, SC

THEODORE “TED” MALINOWSKI First Bank Charleston, SC

ADAM RABON Conway National Bank Conway, SC

WILSON G. WICKER

South Atlantic Bank Myrtle Beach, SC

Empowering Leaders:

SOUTH CAROLINA BANKERS SCHOOL 2024 SESSION

From July 14-19, the vibrant campus of the University of South Carolina was abuzz with energy as the South Carolina Bankers School (SCBS) hosted its largest cohort of first-year students in recent years. The Darla Moore School of Business set the stage for an immersive week of learning, networking, and camaraderie among 202 participants, including 76 newcomers eager to enhance their careers in the banking sector.

In today’s ever-evolving and competitive landscape, staying informed and well-equipped is crucial for banking professionals. The SCBS is renowned for its rigorous curriculum that fosters both personal and professional growth among its participants. “The South Carolina Bankers School has always been a melting pot of knowledge and expertise,” remarked John Leighton, Chairman of the School and representative from SouthState Bank.

One of the highlights of the week was an inspiring keynote address by Major General Jason E. Kelly, Commanding General of the U.S. Army Training Center & Fort Jackson, SC. His insights on integrity, resilience, and continuous learning resonated deeply with attendees, emphasizing the impact of today’s actions on future opportunities.

As the week drew to a close, the graduation ceremony held at the Pastides Alumni Center was a testament to dedication and achievement, with 63 graduates receiving their diplomas amidst an audience of supportive CEOs and bank management teams.

Beyond the rigorous academic schedule, the SCBS emphasizes relationship-building, offering ample opportunities for students to socialize and forge lifelong friendships. The knowledge gained and connections made during this week lay the groundwork for successful careers in banking.

Looking ahead, the next session of the South Carolina Bankers School is slated for July 13-18, 2025, under the guidance of Robert P. Hucks II from Coastal Carolina National Bank. The anticipation for what’s to come continues to grow, promising yet another exciting chapter in the journey of banking leaders.

CONGRATULATIONS TO OUR WINNERS!

The BankExec course at the South Carolina Bankers School, was extremely well-received by the 2024 graduating class. The challenge of managing a bank during the BankExec simulation is the perfect culmination of the learning experience at SCBS. BankExec is indeed the highlight of the third year!

The Lillie H. Magalis Memorial Award is given each year to the graduate with the highest cumulative average for 3 years at the South Carolina Bankers School. Students receive grades on two examinations and four home study problems. All eight grades count one eighth each. The award recipient this year was Ms. Jessica R. Johnson of South Atlantic Bank in Pawleys Island, SC, with a GPA of 99.5.

Community A – Bank A4

(L to R) Scott Goettee, First Bank (CEO); Nick Layman, First Community Bank; Christina Chappell, Security Federal; Mary Smith, Coastal Carolina National Bank; Jeff Manning, SouthState Bank

Community B – Bank B4 (L to R) Efrem Lipscomb, Community First Bank; Gina Dodson, First Citizens Bank; Barrett Slaughter, SouthState Bank; Jamie Compton; Craig McAdams, First Bank (CEO)

Community C – Bank C4

(L to R) Audrey Speicher, nCino; Daniel Larisey, ServisFirst Bank; John Runion, Pinnacle Financial Partners (CEO); Ginnie Westmoreland, Bank of York; Matt Moody, First Bank

Celebrating a Legacy of Dedication: Jimmy Clarkson’s Retirement

In heartfelt moments throughout the week of the 2024 South Carolina Bankers School, we honored Jimmy Clarkson and reflected on his extraordinary legacy that spanned over 34 years at SCBS. Last August, Jimmy notified the SCBS Board of Directors that 2024 would mark his final chapter as a Course Coordinator and faculty member, bringing to a close a remarkable journey defined by tireless commitment and exceptional service.

Jimmy’s banking career began over 50 years ago at the National Bank of South Carolina in Sumter, and his passion for education was a consistent theme throughout his professional life. After serving as Vice President and City Executive for Horry County National Bank/Southern National Bank in Loris from 1980 to 1987, he was promoted to the role of President and CEO of Horry County State Bank & HCSB Financial Corporation, where he served until 2016. His leadership and vision significantly shaped the banking landscape in South Carolina.

In 1990, Jimmy embarked on a journey with the South Carolina Bankers School as a BankExec Instructor. Throughout his tenure, he held various leadership positions, including Chairman, Director, and Course Coordinator. Additionally, his role as a BankSim Instructor at the Graduate School of Banking at LSU since 2001 further reflects his deep commitment to fostering the next generation of banking leaders.

Educating others has always been paramount for Jimmy, who holds a BA in Economics from Clemson University and is a proud graduate of the Graduate School of Banking of the South. His relentless pursuit of excellence and integrity inspired countless bankers, not only in South Carolina but across the country. Under his guidance, SCBS earned its reputation as one of the Southeast’s premier institutions for banking education.

As we celebrated Jimmy Clarkson, we acknowledged his unwavering passion, dedication, and remarkable influence on the banking industry. His efforts equipped thousands of banking professionals with the skills and knowledge necessary to enhance their careers and, in turn, strengthen their communities.

Jimmy’s legacy will be felt within SCBS and beyond. We thank him for his loyalty, guidance, and commitment to making a lasting difference in the lives of so many. He has truly made an indelible mark on the South Carolina Bankers School and the banking community at large. We wish Jimmy all the best in his well-deserved retirement!

2024 SOUTH CAROLINA BANKERS SCHOOL

2024 Palmetto Scholarship

We understand that many students today find themselves burdened by tremendous debt upon graduation. The Palmetto Scholarship has awarded thousands of dollars to students statewide over the years through money raised at our Scholarship Golf Tournament and the SCBA Education Foundation. By offering the Palmetto Scholarship to children of bank employees and part-time employees who are also students and meet criteria, the SCBA seeks to help students pursue higher education while also helping lay the foundation for the next generation of South Carolina’s leaders.

We are pleased to announce that we were able to award $63,000 to deserving students this year. A celebration of this honor was held on May 14th at The Palmetto Club in Columbia.

...Your support and belief in my academic journey means a great deal to me. This scholarship not only eases the financial burden of my education but also serves as a significant source of motivation and encouragement. “ “

Congratulations to the 2024 Scholarship Recipients

ARTHUR STATE BANK

Grant Evans, son of Jennifer Evans

BANK OF AMERICA/MERRILL LYNCH

Molly Moore, daughter of Mary Helen Condon Moore

Kyle Nicholl, son of Cheryl Nicholl

BANK OF CLARENDON

William Buyck, son of Will Buyck

Reese McInnis, son of Stacey McInnis

BANK OF THE LOWCOUNTRY

Catherine Bunton, daughter of Jamie Bunton

Caleb Hudgens, son of Charles Hudgens

BANK OF TRAVELERS REST

Emma Ellison, daughter of April Ellison

BANK OF YORK

Cayden Nixon, daughter of Shannon Nixon

BLUE RIDGE BANK

Griffin Thomas, son of Kyle Thomas

CAROLINA BANK & TRUST

Samaria Ellerbe, daughter of Shawn Ellerbe

CONWAY NATIONAL BANK

Cierra Dorris, employee

Courtney Hearl, daughter of Angela Hearl

COUNTYBANK

Kensley Maroney, daughter of Amy Broome

Wyatt Prince, son of April Prince

FARMERS AND MERCHANTS BANK

Taylor Weathers, daughter of Stacy Weathers

FIRST BANK

Gavin George, son of Eric George

FIRST CAROLINA BANK

Judson Holmes, son of Will Holmes

FIRST CITIZENS BANK

Chase Hartway, son of Daniel Hartway

Sarah Margaret Branham, daughter of Nancy Branham

Emerson Chetwood, daughter of Holt Chetwood

Hannalee Lovell, daughter of Jay Lovell

Savanna McDonald, daughter of Jammie McDonald

FIRST COMMUNITY BANK

Edith Erkens, daughter of James Anderson

Katie Horton, daughter of Rus Horton

Will McKinney, son of Laura McKinney

FIRST PALMETTO BANK

Avery Plyler, daughter of Jodie Plyler

Claire Plyler, daughter of Jodie Plyler

FIRST RELIANCE BANK

Lainey Moore, daughter of Brook Moore

PALMETTO STATE BANK

Stephanie Carrillo, daughter of Blanca Carrillo

PARK NATIONAL BANK

Kendyl Rogers, daughter of Gina Rogers

PINNACLE FINANCIAL PARTNERS

Joseph Bokern, son of Marjorie Bokern

Rachel Jordan, daughter of Kip Jordan

SECURITY FEDERAL BANK

Alyssa Bagby, daughter of Shane Bagby

Katie Skeen Scholarship Recipient

SOUTH CAROLINA BANKERS ASSOCIATION

Meredith Rashley, daughter of Neil Rashley

Israel Reeves, employee

SOUTHERN BANK

Noah Burgess, son of Lisa Burgess

SOUTHERN FIRST BANK

Keegan Allison, son of Michelle Allison Williams

Savannah Grace Fly, daughter of Kimberly Fly

Herb Kneeland, son of Matt Kneeland

Robert Thompson, son of Robert Thompson

SOUTHSTATE BANK

Maggie Burriss, daughter of Patti Burriss

Olivia Dover, daughter of Christina Dover

Jay Ferguson, son of Scott Ferguson

Claire Swartz, daughter of Abe Swartz

SYNOVUS

Banks Hudson, son of Tyler Hudson

TD BANK, N.A.

Noah Barrett, son of Nate Barrett

Collin Cochcroft, son of Joanne Fasnacht

Garrett McNulty, employee

Maddie Williams, daughter of Roberta Williams

THE CITIZENS BANK

Marshall Floyd, son of Gretchen Floyd

Kyler Odom, son of Amanda Odom

TRUIST

Hannah Kane, daughter of Scott Kane

Noel Schronce, daughter of Candace Schronce

Tyre Vazquez, daughter of Tiffany DeVeaux

UNITED BANK

Kristen Peters, daughter of Helen Peters

Donna Major Scholarship Recipient

UNITED COMMUNITY BANK

Hailey Brancato, daughter of Paul Brancato

Nic Costello, son of Anthony Costello

Haley Fabian, daughter of David Fabian

Justin Weber, son of Sylvia Weber

EMERGING LEADER’S DIVISION CONTINUES TO PLAY A VITAL ROLE IN FINANCIAL LITERACY

The Emerging Leaders Division plays a vital role in teaching children financial literacy—providing them with crucial life skills from a young age. Through lessons on the value of money, saving, and smart spending, children learn about financial responsibility and long-term planning. These valuable skills empower kids to make informed decisions and build a secure financial future as they grow up. Following are some ways our South Carolina Bankers have supported financial education in local communities.

discussed all of the possible careers in banking, how to save money, and why it is important to keep your money safe and secure in a bank.

Oneal Staples of Ameris Bank in Lexington and Junior Achievement of Greater South Carolina, had a great time teaching with Giovanna Meszaros at Lonnie B. Nelson Elementary School.

Karen Eckford and Nicole Kirkley of First Palmetto Bank, attended Lugoff Elementary School’s career fair for K-5th grade students. They

Lance Munn and Stephen Windham, with South Atlantic Bank, taught the JA in a Day class to Kindergarten students at North Charleston Elementary. They talked about making money to buy necessities and saving money to buy things we want, like toys.

Mullis, of the

spoke with a kindergarten class at Southside Early Childhood Center about safe places to save and keep money for “Teach Children to Save Day!”

STATS from JUNIOR ACHIEVEMENT OF GREATER SOUTH CAROLINA for FINANCIAL LITERACY EFFORTS

276 BANKER VOLUNTEERS

5,032 STUDENTS

18,778 HOURS

Blake Taylor and Clarke Walker with Southern First Bank have been leading a financial literacy workshop with the South Carolina Juneteenth Freedom Fest (SCJFF) for the the last 3 years. This year’s workshop,“Money Money Tuesday” took place on June 11th. They spoke to over 35 adults and children on topics like budgeting, credit, home buying, and general banking at The House of Hathor in Columbia.

Seth Hunter and Brett Robinson, of Pinnacle Financial Partners, helped with the Junior Achievement’s Finance Park at Greenville High School.

Lindsey

The Citizens Bank Hartsville Branch,

Bob Kirby and Margi Fleming, of the The Citizens Bank, taught financial literacy and bank fraud to the 5th grade at Walker Gamble Elementary School.

Ronnie Coker, of the The Citizens Bank, taught 5th grade financial literacy at Johnsonville Middle School.

Aimee Thornton and Othniel Laffitte of First Bank led JA in a Day for Ms. Ballou’s 3rd grade class at Duncan Chapel Elementary School in Greenville. In addition, First Bank made a $500 donation to DCES for their participation.

Jeff Manning of SouthState Bank volunteered with Junior Achievement of Greater South Carolina at Lonnie B. Nelson Elementary School. One lesson was on family budgeting, needs vs. wants, communities, and jobs. The second was setting up and running 6 pizza restaurants—the kids learned about entrepreneurship, financing, skills to run a business, order taking, producing a product, and evaluating the cost of goods sold.

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.

Welcome

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

5601 Granite Parkway, Suite 120 Plano, TX 75024 (877) 725-5264 www.alkami.com

Mr. Anthony Chapman, Sr. Sales Executive Community Financial Institutions 2945 Heather Bow Sarasota, FL 34235 (901) 849-0720 anthony.chapman@alkami.com

1111 Metropolitan Ave., Suite 400 Charlotte, NC 28204 (326) 908-4432 aon.com

Mr. Brian Mobley, Commercial Risk

Producer, Senior Vice President 1111 Metropolitan Avenue, Suite 400 Charlotte, NC 28204 (326) 908-4432

brian.mobley@aon.com

300 N. Beach Street Daytona Beach, FL 32114 (386) 252-9601 www.bbinsurance.com

Mr. J. Gregory Seymour Employee Benefits Advisor 3700 Forest Drive Suite 300 Columbia, SC 29204 (803) 995-5995 Greg.Seymour@bbrown.com

664 Seminole Avenue, Suite 101 Atlanta, GA 30307 (470) 639-9638

fivebyfivefunding.com

Mr. Robert G. “Bob” Boone

Account Manager 45 Lakecrest Drive Columbia, SC 29206 (803) 269-3191

Bob.boone@fivebyfivefunding.com

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly, and build thriving digital communities. Alkami helps clients transform through: Retail Banking, Commercial Banking, Positive Pay and ACH Reporting Solutions and Data and Marketing solutions.

Aon serves more than 15,000 financial institutions with a dedicated practice to the industry. Working with financial institutions of all sizes, they help with commercial and human capital risks specific to client’s strategies. Aon’s unique solutions include insurance for traditional needs, emerging risks, balance sheet protection, employee and executive benefits, retirement, cybersecurity, talent and retention plans.

Brown and Brown Insurance Services, Inc. combines national strength with personalized service through our three South Carolina offices. As an industry leader, we assist banks in placing, managing, and servicing commercial, employee benefit, and personal insurance policies. Our extensive experience and understanding of regional networks, paired with strong national purchasing power, enable us to provide significant cost savings. We help banks optimize insurance purchasing, manage liability, enhance executive benefits, and control related expenses.

Five by Five Funding is a full-service secondary market conduit specializing in the delivery of residential mortgage loans at competitive rates and pricing for banks and community banks. They provide a turn-key platform designed to assist both novice mortgage lenders and seasoned mortgage divisions with the best in service and execution. Their product menu is structured for maximum assistance to serve financial partners with their customer’s home mortgage needs, expanding market share, and satisfying depository lending requirements. Five By Five Funding provides seamless mortgage transactions while maximizing divisional profitability with minimal overhead expense and reduced regulatory risk.

5617 Thompson Creek Boulevard Lincoln, NE 68516 (402) 817-2630 fivenines.com

Mr. Steven Bartz, Director of Sales 11602 W Center Road #275 Omaha, NE 68144 (402) 827-1158 steven.bartz@fivenines.com

2205 Selwyn Avenue Charlotte, NC 28207 (704) 609-4600

Mr. E. Clay Elder, President 2205 Selwyn Avenue Charlotte, NC 28207 (704) 609-4600 clay.elder@hotmail.com

2230 Dakota Drive Grafton, WI 53024 (262) 376-3000 ufstech.com

Mr. Louis William “Bill” Berthelette Business Development Manager 1020-B West Dekal Street Camden, SC 29020 (803) 518-3960 billb@ufstech.com

1 East Washington Street, Suite 1400 Phoenix, AZ 85004 (602) 389-3500 westernalliancebancorporation.com

Ms. Carolyn Moscoso, Vice President Business Development Officer, Carolinas and Georgia 8421 Dorchester Road, Suite 109 #206 North Charleston, SC 29420 (843) 900-4235 cmoscoso@allianceassociationbank.com

Five Nines drives success for clients through strategic IT partnerships. They are a managed IT service provider offering fully-accountable IT management solutions across all technical operations. Five Nines is passionate about taking care of IT headaches, enhancing critical security, and being a revenue-builder for their partners instead of a cost center. Founded in 2001, Five Nines now serves more than 200 trusted clients nationwide. Their alliance-driven approach to IT is designed with your business in mind. When you partner with Five Nines, you can get out of the IT business and focus on what matters most – your company’s mission.

Reliance Design Group provides, as a third-party service to the banking industry, management of the design and construction of bank expansion projects. As the bank’s representative, RDG will facilitate design and construction processes and decisions based upon the bank’s needs and goals, beginning with architectural design inception through construction completion—allowing the bankers to focus on banking. The bank makes key decisions in all matters and RDG facilitates clear communication among the parties. Clay Elder and John Gorniak have over 50 years of combined experience in architectural design and construction in the banking industry.

UFS is the bank technology outfitter with a simple promise to make technology work for community banks so they can focus on banking. Partnering only with community banks, regulated like a bank, and heavily staffed with former bankers, UFS is accountable for providing purpose-built technology solutions that empower banks to thrive and achieve their own unique goals.

Founded in 1991, UFS has been improving regulatory compliance, driving efficiency, and thwarting cybercrimes with innovative services and solutions such as: Managed IT Services, Cybersecurity as a Service, IT Regulatory Compliance, Regulated Cloud Hosting, Advisory Services, Equipment and Infrastructure Refresh, Core Banking, Digital Banking and more.

With more than $70 billion in assets, Western Alliance Bancorporation is one of the country’s top-performing banking companies. Its primary subsidiary, Western Alliance Bank, Member FDIC, offers a full spectrum of tailored commercial banking solutions and consumer products, all delivered with outstanding service by banking and mortgage experts who put customers first. Major accolades include being ranked as a top U.S. bank in 2023 by American Banker and Bank Director and receiving #1 rankings on Institutional Investor’s All-America Executive Team Midcap 2023-2024 for Best CEO, Best CFO, Best Company Board of Directors and Best Investor Relations Team. Serving clients across the country wherever business happens, Western Alliance Bank operates individual, full-service banking and financial brands with offices in key markets nationwide.

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

AMERIS BANK

Travis Robinson has been promoted to branch manager at the Irmo location.

Wade Sparks has joined as senior vice president, commercial banker in Columbia.

ANDERSON BROTHERS BANK

Holly Taylor has joined the team at the Latta branch, boasting an impressive 35-year career in the banking industry, all of which have been dedicated to serving the people of Dillon County.

COASTAL CAROLINA NATIONAL BANK

Stephanie English has been promoted to senior vice president, South Strand City Executive.

COASTAL STATES BANK

Quinn Baldree has been named Bluffton Market President.

COUNTYBANK

Dustyn Attaway has been appointed business banking associate, responsible for developing new small business relationships and managing a portfolio of small business clients.

Patrice Freeman has been promoted to financial center manager. She will be responsible for managing Countybank’s Calhoun financial center in Greenwood.

Joe Hubbard has been appointed SBA business development associate. He will be responsible for generating new SBA eligible loan opportunities and fostering client relationships.

David Trent has been appointed commercial relationship manager. He will be responsible for attracting new commercial clients as well as managing and expanding a portfolio of current commercial clients in the Greenwood market.

FIRST CAROLINA BANK

Roslyn Gilstrap has joined as Greenville Market Executive. He will be based out of the bank’s upstate South Carolina location at 522 N. Church Street in downtown Greenville.

FIRST RELIANCE BANK

Joanne Brady has joined the bank as branch manager for the West Columbia branch in South Carolina.

David L. Moore has joined the bank as a relationship banker, senior vice president, in the Columbia market where he will be responsible for growing strategic relationships and expanding the bank’s commercial footprint.

Terryn Patterson has joined the bank’s Charleston market as vice president, residential lending specialist.

SOUTHERN FIRST BANK

Chris Zych has been appointed as chief financial officer and executive vice president in Greenville, S.C.

TD BANK, N.A.

Chris Ward has been named Regional President of the Mid-South Metro, which includes Delaware, Maryland, the District of Columbia, Virginia, North Carolina and South Carolina.

THE CITIZENS BANK

Mr. Kenneth Lee has retired from from the bank’s Board of Directors after many years of serving as an invaluable asset to the team.

Mr. Ashley Wheeler has joined the bank’s board as a new director.

Terryn Patterson

Patrice Freeman

Stephanie English

Holly Taylor Dustyn Attaway

Joanne Brady

David Trent Joe Hubbard

Chris Zych

Roslyn Gilstrap

David L. Moore

Ashley Wheeler

Kenneth Lee

Travis Robinson

Chris Ward

Wade Sparks

ANDERSON BROTHERS BANK

The Anderson Brothers Bank Golf Championship is one of South Carolina’s premier High School Golf Tournaments. The 36 Hole Tournament is played every spring in the Pee Dee Area. First round of the Tournament was played at Darlington Country Club with the final round played at Florence Country Club.

Anderson Brothers Bank announced its newest location coming to the Carolina Forest area, at 91 McLeod Health Boulevard, near International Drive. The new branch is scheduled to open in January 2025.

COUNTYBANK

The Countybank Foundation donated $1,000 to Rebuild Upstate. Rebuild Upstate focuses on home preservation and repair to keep residents in their own homes.

The Countybank Foundation awarded a scholarship to Piedmont Technical College (PTC) student Royondia Ross, who is currently studying business administration.

The Countybank Foundation introduced the Hazel B. Allin Women’s Leadership Award and announced its first recipient, Laura Beth Brooks, Corporate Governance Manager for Countybank.

Established in 2023, the Hazel B. Allin Women’s Leadership Award is presented to a female associate of either Countybank or Greenwood Capital. It is named in honor of Hazel B. Allin, Director Emeritus of Countybank and TCB Corporation, the first woman elected to either Board.

Allin most notably served as the first female CEO of a South Carolina community bank. She became a leader in the banking industry over her more than 40-year career, most notably during a time when women were outnumbered by men who held leadership positions by a ratio of 9 to 1. “Hazel is an inspiration to us all,” said Annette Scott, Chief Financial Officer for Countybank. “Her diligence, dedication, and wisdom have helped guide our organization, and through this award we are able to recognize future female leaders in our financial services companies.”

The Countybank Foundation recently made significant contributions to various local organizations, including a $5,000 donation to the Upstate American Heart Association to support CPR training and nutrition security programs for residents in food deserts. Additionally, Commercial Banking Manager David Tompkins presented a $1,000 check to Next Level Lifestyles, while another $1,000 was donated to the Kiwanis Club of Simpsonville. Furthermore, the Foundation contributed $5,000 to Greer Community Ministries, which will help provide over 650 meals and essential resources to individuals in need across the Greater Greer area.

Pictured (left):TL Hanna’s Bennetta Scaletta won the individual medalist honors with a tournament record 13 under par performance of 130. Pictured (right): AC Flora was victorious over Trinity Collegiate in a captivating 2 hole playoff.

Pictured (left to right): Kathy Dickson, Apprenticeship Carolina (SC Technical College Systems); Ron Acker, Professional & Executive Banking for Countybank; Ebony Sullivan, Suga Pie Honeybun; and Bernie Crawford, Mavin Construction.

Pictured (left to right): Royondia Ross, Piedmont Technical College student and scholarship recipient; and David Tompkins, Commercial Banking Manager for Countybank.

Pictured (left to right): Laura Beth Brooks, Corporate Governance Manager for Countybank, and R. Thornwell Dunlap III, President and CEO for Countybank.

FIRST COMMUNITY BANK

First Community Bank in Lexington hosted a retirement reception on Wednesday, June 26 for Anne Payne who just celebrated her 10th anniversary with First Community Bank. Anne has served in the South Carolina banking industry for almost 41 years and graciously served on the SCBA Compliance Committee for 14 years.

SOUTHSTATE BANK

SouthState Corporation and Independent Bank Group, Inc. jointly announced on May 20, 2024 that they have entered into a definitive agreement under which SouthState will acquire Independent Bank Group, in an all-stock transaction valued at approximately $2 billion. This definitive agreement that will create a $65 billion regional bank with a presence across the Southeast, as well as in Texas and Colorado.

Independent Bank Group, based in McKinney, Texas, has approximately $18.9 billion in total assets, $15.7 billion in total deposits and $14.6 billion in total loans as of March 31, 2024, and operates in four market regions located in Dallas/Fort Worth, Austin and Houston areas in Texas and the Colorado Front Range. With a presence in 12 of the 15 fastest growing MSAs in the United States,(1) the combined company will have pro forma total assets of $65 billion, deposits of $55 billion, gross loans of $48 billion upon the completion of the transaction, and a market capitalization of approximately $8.2 billion, based on the closing stock price of SouthState as of May 17, 2024.

UNITED COMMUNITY

United Community, the largest bank headquartered in South Carolina, is getting a fresh new look. Every United branch in the Lowcountry and Midlands is updating its signage to the refreshed logo that embodies the bank’s rich history of customer service and its culture of caring for the communities it serves.

Pictured (left to right): Anne Payne and Ted Nissen of First Community Bank with Anne Gillespie of the South Carolina Bankers Association.

Calendar of Events

24 October

Credit Conference

THURSDAY 9:00 AM – 3:00 PM

The 2024 SCBA Credit Conference has been developed to provide bankers with essential information to make your bank more profitable and competitive in the coming months.

LOCATION: Springhill Suites Columbia 511 Lady Street Columbia, SC 29201

Bank Security Risk Management Workshop

9:00 AM – 4:00 PM

Our comprehensive program is designed to cater to security officers, risk managers, or auditors. Join us as we delve into crucial topics such as check fraud, internal fraud, industry standard practices, and effective reporting to the board—knowledge necessary to excel in our roles and protect the integrity of our financial institutions.

LOCATION: Columbia, SC

November

7

Fall Compliance Conference

THURSDAY 9:00 AM – 4:00 PM

Financial institutions continue to face challenges while working to keep up with the changes, demands, and challenges presented by an evolving regulatory landscape. With these challenges continuing to limit staffing and other resources, it is critical for management to be prepared with actionable intelligence, risk perspective, and best practices to successfully navigate regulatory examination and audit processes. The business session will present current regulatory compliance hot topics selected by SCBA Compliance Committee that should be considered in preparing for upcoming regulatory examinations or audits.

LOCATION: Columbia, SC 29201

December

34

Consumer Lending School

TUESDAY 9:00 AM – 4:30 PM

WEDNESDAY 8:30 AM – 4:30 PM

This two day program is an interactive class that combines lecture, case study, and role play. It is intended to provide the participants with the basic lending skills required to manage the bank’s consumer loan process.

LOCATION: Columbia, SC

Asset Liability Management Conference

9:00 AM – 3:30 PM

This program will benefit bankers who manage daily financial risk management challenges in the asset liability arena.

LOCATION: Columbia, SC

Bank Operations and Technology Conference and Trade Show

9:00 AM – 3:30 PM

Explore the rising external fraud threats and operational challenges faced by financial institutions. This conference will equip attendees with valuable insights to effectively mitigate risks and ensure compliance with regulatory requirements.

LOCATION: Columbia, SC

January

13 -

14

Community Bankers Conference

MONDAY 1:30 PM – 6:30 PM

TUESDAY 7:30 AM – 3:00 PM

The Community Bankers Conference is specifically designed for community bankers and associates to come together for educational presentations and to learn about opportunities and challenges that are specific to community banks. Our speakers will present topics that are onpoint with today’s banking environment.

LOCATION: Hilton Columbia Center 924 Senate Street Columbia, SC 29201

BSA/AML Workshop

9:00 AM – 3:30 PM

This program is designed to enhance the skills of your Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Combating the Financing of Terrorism (CFT) support staff, your independent audit team, and any personnel responsible for managing and maintaining a strong BSA/ AML/CFT program.

LOCATION: Columbia, SC

2009 Park Street • PO Box 1483

WEDNESDAY, NOVEMBER 20, 2024

The Young Bankers Division will host the BankPAC Sporting Clays Tournament at The Palmetto Shooting Complex, Edgefield, SC.

The proceeds from this tournament will be contributed to the SCBA StatePAC. Save the date for this special day. Sponsorships will be available.

For more information about the tournament: Carolyn L. Bradley, carolynbradley@scbankers.org