2019 NBA Annual Convention. NBA Nominating Committee Proposes Volunteer Leadership INSIDE THIS ISSUE. Banks & Bankers March 20 March 26

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1 March 27, 2019 Volume 41 Issue 13 Update INSIDE THIS ISSUE I N S E R T S NBA Washington Legislative Visit April 1-3, Washington, D.C. Spring Agri-Business Conference April 2-3, Kearney 2019 NBA Annual Convention May 1-3, Omaha Compliance Update: EEOC Delays EEO-1 Filing Deadline Compliance Update: Private Flood Insurance Banks & Bankers March 20 March NBA Annual Convention May 1-3 La Vista View the brochure & register today! NBA Nominating Committee Proposes Volunteer Leadership By Nominating Committee Chairman Kris Holoch, Cornerstone Bank The NBA Nominating Committee recommended a slate of experienced bankers to serve in leadership positions for the fiscal year during the NBA board of directors last week in Lincoln. The membership is provided the opportunity to vote on the nominees Thursday, May 2, during the NBA Annual Convention at the Embassy Suites in La Vista. Volunteering to serve others and your industry is a very rewarding endeavor. Volunteer roles require time, effort and focus away from the office, particularly the positions of chairman and chairman-elect. As I ve experienced, serving the banking industry through the NBA has been inspiring, educational and humbling. There is tremendous value in collaborating with other bankers to advocate for our profession. Through the NBA, we are able to magnify our industry s voice in the legislative and regulatory arenas. We become part of a team, making decisions, championing issues, and advancing thought where one individual, one banker could not. In addition, as an association leader, I ve recognized that, by serving side by side with my fellow bankers, we can make substantial, positive impact. I also know I am a better person, both professionally and personally, because of my service. Nebraska bankers are once again very fortunate to have a group of highly seasoned leaders in-line to guide our association this coming year. Congratulations to all the nominated bankers! We thank you for your commitment to serve the NBA and our industry! Our sincere gratitude also goes out to those bankers who have served the association this past year. Your leadership and involvement are the greatest contribution you can make to your association, and they are truly, the NBA s greatest asset. Leadership continued on page 4 Extraordinary Service for Extraordinary Members

2 Disaster Recovery Conference Call Friday, March 29, 9:30 a.m. CT The NBA staff if offering a conference call with select government agencies to provide updates on disaster relief and information to assist the banking community. Invited Government Agencies include: Federal Emergency Management Agency (FEMA) Nebraska Emergency Management Agency (NEMA) USDA Farm Services Agency (FSA) USDA Rural Development US Small Business Administration (SBA) Call information and updates will be posted on the NBA disaster relief landing page Bankers may submit questions for agency representatives in advance to NBA Bank On Nebraska Strong Fund Webpage and Resources It has been one week since the NBA established the Bank On Nebraska Strong fund in coordination with Nebraska United Ways, and other regional and statewide relief organizations. It has become increasingly clear to all involved that the rebuilding process will span far into the future and require consistent and ongoing resources. As contributions continue to filter in, focus will be placed on how to most effectively capitalize on the generosity of many for long-term community benefit. We remain encouraged by the number banks, individuals and outside organizations that have reached out for more information on the fund and who have already made contributions. We continue to make headway with government agencies offering more definitive guidance as well as assistance. The NBA staff has created a web page: for all things flood related. This webpage will be updated as more information and additional resources become available. Please reach out to your NBA team with specific needs, questions or to share any information and resources among the membership that has been useful to your institution. Has Your Bank Assisted with Disaster Relief? Charitable giving, volunteering, donating supplies? Share how your bank is making a difference! In times of tragedy, Nebraska bankers often step up to the plate to provide needed assistance to their communities and those they serve. Once again, in response to recent floods, many banks are coming to the rescue! As generous as our banking community is, you are equally as humble! The NBA team would like to compile an archive of outreach efforts banks have offered throughout the past weeks. Please send any details and also photos regarding your bank s outreach to 2 NBA Update Extraordinary Service for Extraordinary Members

3 News Briefs from Washington Agencies Encourage Banks to Help Customers Affected by Flooding Recognizing the serious effects of flooding in the Midwest and Great Plains, federal and state financial regulatory agencies Monday issued a joint statement reminding banks of supervisory expectations related to disaster recovery. Regulators encouraged banks to work constructively to meet the financial needs of their communities. The statement addresses supervisory expectations related to lending activities, operating temporary bank facilities, publishing requirements, regulatory reporting requirements, activities that are eligible for Community Reinvestment Act credit and investments. The agencies also provided links to previously issued examiner guidance for institutions affected by major disasters. Read the agencies statement. FFIEC 2019 Guide to HMDA Reporting Now Available The Federal Financial Institutions Examination Council s 2019 Guide to Home Mortgage Disclosure Act (HMDA) reporting is now available for download. The 2019 guide focuses on HMDA data submissions due March 1, 2020, and offers the most official resource for assisting institutions in their HMDA reporting. This edition reflects amendments made to HMDA by the S regulatory reform law and the Consumer Financial Protection Bureau s (CFPB) 2018 HMDA interpretive and procedural rule. It also includes: overviews of the reporting requirements; institutional coverage descriptions; instructions on collection of data on ethnicity, race, and sex; a summary of responsibilities and requirements; directions for assembling the necessary tools; and instructions for reporting HMDA data. Additionally, it contains an appendix for the HMDA small entity compliance guide. Access the guide. FHA Acts to Mitigate Rising Credit Risk in Single-Family Mortgages Citing rising credit risk in its single-family loan portfolio, the Federal Housing Administration (FHA) this month reintroduced manual underwriting requirements for single-family mortgages with credit scores under 620 and debt-to-income (DTI) ratios exceeding 43 percent. The lender s final underwriting review decision for those mortgages must be documented in accordance with existing FHA requirements for manually underwritten mortgages, FHA said, noting that the requirements took effect on March 18. The guidance from FHA reverses a decision made in August 2016 to remove manual underwriting requirements, which FHA said has resulted in greater concentration of high-credit-risk loans in FHA s single-family portfolio. For fiscal year 2018, the average borrower credit score was 670 the lowest since 2008 with a growing concentration of sub-640 scores combined with DTI ratios of over 50 percent. Read more. FTC Warns of IRS Scams, Launch Video Series on Imposter Scams The Federal Trade Commission is warning that scammers are contacting consumers and claiming to be from the IRS in an attempt to solicit their personal information and commit fraud. The FTC has also partnered with the AARP to create a series of videos about imposter scams and Medicare scams and provide consumers with tips to help protect themselves. Learn more. News Source: American Bankers Association CFPB Seeks Advisory Council Applications The CFPB is accepting applications for positions on its three advisory councils, including its Community Bank Advisory Council and Consumer Advisory Board. Participation provides a meaningful opportunity for bankers to inform the Bureau of the impact that existing or proposed rules have on banks. The councils meet in person at the Bureau s Washington, D.C. headquarters three times per year, with additional meetings by phone. Advisory council members will serve two-year terms. The application deadline is May 5. View CFPB application guidelines and criteria. News Source: Consumer Finance Protection Bureau Extraordinary Service for Extraordinary Members NBA Update 3

4 Leadership (cont. from page 1) The following is the slate of bankers recommended by the NBA Nominating Committee to serve in association leadership positions for the fiscal year. NBA Chairman Alan Emshoff, Generations Bank, Exeter NBA Chairman-Elect Nominee Chris Hove, Nebraska Bank of Commerce, Lincoln Nominees NBA Board of Directors The board of directors consists of 26 bankers who represent each of the five NBA geographic groups. The following individuals are the nominees to fill the open positions on this year s board and their respective terms: * Indicates a nomination for a second term of three years. Group 1 *Krista Heiss ( ) NebraskaLand National Bank, North Platte Group 1 *Scott Zimbleman ( ) Homestead Bank, Cozad Group 3 *Rex Haskall ( ) First Northeast Bank of Nebraska, Lyons Group 4 *Kathryn Barker ( ) Core Bank, Omaha Group 4 *Karl Gramann ( ) Adams State Bank, Adams At-Large Justin Douglas ( ) Mainstreet Bank, Cook Help Make the NBA s BankPAC Silent Auction A Successful Event The NBA is still accepting donations for the 2019 State BankPAC Silent Auction, which will be held on May 2 during the NBA Annual Convention. Last year s Silent Auction raised more than $14,000 with 63 items being donated. We still are in need of additional donations to match last year s number! The deadline for donating items to the auction has been extended to April 19. Download a donation form to contribute to this year s auction! Click here to see a listing of the items that have been donated to this year s auction! Geared toward grades K-8, Teach Children to Save (TCTS), is a free national program sponsored by the ABA Foundation, that organizes banker volunteers throughout the year to help young people develop a savings habit early in life. Bankers registered to participate in the program will receive access to a private resource page containing promotional materials, student activities, communication tools and presentation lessons (also available in Spanish) covering topics such as Banking Careers, Decision Making, Interest, Money Recognition and Savings. Visit to learn more or to register for Teach Children to Save Day! 4 NBA Update Extraordinary Service for Extraordinary Members


6 TUESDAY, APRIL 2, :30 a.m. Registration / Continental Breakfast 9:00 a.m. Welcome & Opening Remarks Dave Dannehl, NBA Chairman, First State Bank of Loomis, Loomis, NE 9:15 a.m. "What s In Store for Agriculture" Darin Newsom, President, Newsom Analysis 10:15 a.m. Break The U.S. is dealing with burdensome stocks following six years of record production in both corn and soybeans. That has weakened our hand not only in trade discussions, but also on the global export market. Darin will take a look at the most recent Quarterly Stocks numbers (released on March 29, just a few days before the conference) marking the end of the second quarter for corn and soybeans marketing year. Given the latest information on quarterly stocks, trade issues, and possible spring acreage Darin will discuss what it all might mean for the rest of the marketing year. He ll also look at what price is telling us about what old-crop ending stocks might actually be. This helps us outline possible risk management strategies not only for leftover old-crop but looking ahead to new-crop as well. 10:30 a.m. "Production Increases Must Be Met with Strong Demand" Mike Murphy, Analyst, CattleFax, Centennial, CO The beef, pork and poultry industries are set up for an increase in production during the course of the next few years. This increase in supply will result in price weakness unless demand is stable domestically and growing internationally. The grain sector, in many ways, is faced with the same challenge. Many farmers and ranchers are asking the question of what should we expect for price risk during the course of the next few years for any of the livestock or grain commodities? And what strategies should we employ to protect against this price risk. 11:30 a.m. "Overview of Technologies in Agriculture and Potential Effects on Profitability Joe Luck, Ph.D., P.E., Associate Professor and Precision Agriculture Engineer, UNL Technology adoption in agricultural operations was exceptionally high when commodity prices were at all-time highs recently. Since that time, adoption has slowed, and many producers have focused on how to best deploy such systems to optimize productivity in their operations. This presentation will provide an overview of technologies that may effect on-farm profitability and present case studies that demonstrate how to use data collected to drive implementation decisions. 12:00 p.m. Luncheon Co-sponsored by 1:00 p.m. Marketing Do s and Don ts in 2019 Steve Knuth, Owner, AgWest Commodities, LLC, Holdrege, NE Grain Market Update Market Drivers Including Trade Do s & Don ts for Producer Marketing Plans 1:45 p.m. "Farm Bill and Washington Update Delaney Howell, Market to Market 2:45 p.m. Break Agriculture policy and the political climate play a huge role in our everyday lives as agriculturalists. During this interactive presentation, Delaney takes audience members through the ins and outs of everything from the Farm Bill, to the current political climate and how those shaping our policy in Washington play an impact in our operations back home. 3:00 p.m. "With Vision, There is Hope Bruce Vincent, Communities for a Great Northwest, Libby, MT It is time for change and change will be our friend. America is ready for a new vision of conservation and environmental stewardship that is based upon hope instead of fear. In order to share this vision, we must first reintroduce the American consumer to the processes and the people of production and then lead not

7 just fight the discussion over our environment. Those who work at the ground level in implementing society s framework for protecting the environment are positioned at the leading edge of the changes and challenges of this discussion. That edge provides exciting opportunities and hope. 4:00 Session Adjournment & Reception 4:45 p.m. Evening is on your own. WEDNESDAY, APRIL 3, :30 a.m. Continental Breakfast 9:00 a.m. Working with the New Normal of Natural Weather and Climate James Garriss, Browning Media, Morgan, UT 10:15 a.m. Break James Garriss shares his insights about changing climate not just the mantra of global warming but the short and long-term natural factors that are shaping your local weather and investments. Climate events thousands of miles away can hit the global economy and your investments. An El Niño can make it cheaper to buy a salad and raise the price of your cup of tea or coffee. Cocoa futures can soar while the price of corn plummets. The US can bask in a quiet hurricane season while China battles floods and droughts and India bakes in a weak monsoon. Meanwhile, Europe faces weather it hasn t seen for over a decade. 10:30 a.m. "Managing Expectations" Dr. David M. Kohl, Professor Emeritus, Agricultural & Applied Economics Dept., Virginia Tech What can we expect on the road ahead? The good doctor will draw upon his decades of experience as an educator and business person to share his knowledge of global economic trends and the state of the U.S. economy. How will trade issues impact the short and long run profitability of your borrowers? What changes are on the horizon for critical variables in credit risk such as farm and ranch land values and interest rates? Which ten long term mega trends will impact the agriculture and ag lending industry from 2020 to 2030? How can producers and lenders manage expectations and position for success? Learn the three latest tools and techniques that are being used in ag lending to navigate the economic whitewater. Come with your questions to this high energy session that will get you prepared for one of the most critical periods in agriculture. 12:00 p.m. Conference Adjourns 3-03/12/19 Financial Institution: 2019 Spring Agri-business Conference Younes Conference Center, Kearney April 2 3, 2019 Bank / Branch Address: City/Town: Zip: Phone# ( ) Please register the following individual(s): FIRST NAME MI LAST NAME Last 4 Digits of Social Security # Member Fee: First Two Participants - $295 per person Each Additional - $280 per person -- Non-Member Fee: $885 per person ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING! Registrations received after March 28 will be an additional $25 per person. Four Ways to Register: Payment Choice (check one): FAX: (402) WEBSITE: MAIL: NBA Education Center, PO Box 80008, Lincoln, NE Education PHONE: (402) Event Calendar TOTAL DUE $ MasterCard VISA Cardholder Name: Card Number: CVV: Exp. Date: Signature:

8 Registration Information Education Advisory Committee Lending Subcommittee Drew R. Beers Tri Valley Bank, Talmage John B. Boehler Bruning State Bank, Holdrege Bruce D. Brester Midwest Bank, Pierce Andrew R. Clements American Exchange Bank, Elmwood Isaiah O. Graham Homestead Bank, Saint Paul Rick A. Heckenlively Points West Community Bank, Sidney Ryan M. Krantz Custer Federal State Bank, Kearney Jason P. Love Midwest Bank, Norfolk Lynn M. Massey First National Bank of Omaha, Omaha Justin W. Murphy Platte Valley Bank, Morrill Emily L. Redel Hurt Bank of Bennington, Bennington Corinne L. Safford Great Western Bank, Omaha Greg L. Sander First National Bank, Columbus Tim L. Sladek Waypoint Bank, Clay Center Ira A. Spanel Nebraska State Bank & Trust Co., Broken Bow First two participants: (per person) Member: $295 Non-Member: $885 Each additional participant: (per person) Member: $280 Non-Member: $885 *If received by March 28, 2019 Advance registration for this program includes all conference materials, continental breakfasts, luncheon, break service, and the reception. The deadline for registrations and refunds for cancelled registrations is March 28, Any registrations received after that date will be an additional $25 per registrant and subject to space availability. Meeting and Hotel Information MEETING: Younes Conference Center Kearney 416 Talmadge Rd/ Kearney, NE Reservations can be made by calling the Holiday Inn directly. Please indicate that you're with the NBA room block. Kearney Holiday Inn 110 Second Avenue / Kearney, NE / Phone: Notice: Please feel free to dress casually. To ensure your comfort, please bring a light jacket or sweater to the program. If you have a disability that may affect your participation in this event, please forward a statement regarding any special needs to the Nebraska Bankers Association. We will contact you to discuss accommodations. BANK TRAINING ADVISORS Barbara A. Barr Susan K. Koranda NebraskaLand National Bank, North Platte Security Bank, Laurel Lisa M. Felker McCook National Bank, McCook Megan L. Jehorek Adams Bank & Trust, Ogallala Melissa Karloff Heartland Bank, Hastings Jill Keller Five Points Bank, Grand Island 233 South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) Joseph E. Peters Adams Bank & Trust, Fort Collins Sherla Post Cornhusker Bank, Lincoln Renee Rose Five Points Bank, Grand Island Tana Wagener West Gate Bank, Lincoln Jeffrey J. Varney Citizens Bank & Trust, Saint Paul 3-03/12/19

9 NBA Washington Legislative Visit The NBA Washington Legislative Visit and ABA Government Relations Summit are your opportunity to meet with Congress and the regulatory agencies to ensure they understand the principles that guide our industry and incorporate them into policy. Achieving this goal requires the courage of our convictions, and an optimistic belief that what we strive for together, we can achieve. Register Today! Washington Marriott Marquis, Washington, D.C. April 1 3, 2019

10 NBA Washington Legislative Visit To register, go to: At this program, we'll explore developments related to key issues that will impact our industry, including the implementation of Dodd-Frank and desired changes to the regulatory environment. And of course, we will meet with lawmakers on Capitol Hill to discuss our concerns about the state of the industry, our communities, and our nation. Program Outline (Times are subject to change) Monday, April 1, :15-5:00pm 6:15-7:30pm Tuesday, April 2, :00-8:30am 7:45-8:30am Orientation for Capitol Hill Visits Open to all attendees Summit Opening Reception Breakfast Buffet Dialogue with the Regulators 8:40am-12:00pm General Session 12:00-1:00pm Lunch 1:00-5:00 pm Capitol Hill Visits pm Wednesday, April 3, 2019 Planned Nebraska Dinner 7:30-8:30 am Breakfast Buffet 8:30-11:00 am General Session 11:00 am Adjourn For More Information If you have any questions or would like more information, please contact the NBA Education Center at (402) or Hotel Accommodations 901 Massachusetts Avenue, NW, A room block has been secured at the Washington Marriott Marquis. Special rates are $348 per night plus tax. Hotel accommodations will be made directly with the Washington Marriott Marquis. You will receive a link to book your hotel accommodations in your official registration confirmation. Registrants will be responsible for their own hotel charges. The hotel room block expires March 13, After that date, reservations will be handled on a space availability basis. Check-in time at the Washington Marriott Marquis is at 3:00 p.m. and checkout is at 12:00 p.m. If you arrive prior to 3:00 p.m., your room will be assigned upon availability. Transportation Information We recommend you arrive in Washington by mid-afternoon on Monday. All official meetings will be held on Tuesday and Wednesday. For assistance with your airline arrangements, contact your local travel agent or please feel free to contact Peg Gullikson with Travel & Transport at (800) or (402) Attire for the Visit Business attire is appropriate for these events. The DC temperature in March/April averages 50 degrees during the day and 32 degrees during the evening. We suggest you have a warm coat for outside and evening events. Disabilities If you have any disabilities that require special assistance, attach a brief letter explaining how we may best accommodate your needs, or contact the NBA Education Center at (402) or Registration Information There is no fee associated with this event. (register online or use the form provided) You must register with the ABA for this event, indicating both Event Registration and Registration Type. The deadline for registering is Wednesday, March 13, Registrations received after that date will be accepted upon space availability.

11 NEBRASKA BANKING: Putting Our Best Foot Forward For Our Communities Nebraska Bankers Association 2019 Annual Convention Embassy Suites Omaha La Vista

12 SPEAKERS CROSSING THE GENERATIONAL DIVIDE AT WORK: UNLOCK THE POWER OF GENERATIONS TO GROW YOUR BANK Matt Beaudreau, The Center for Generational Kinetics We work in a time of unprecedented generational change and challenge. There are now five generations in the workforce and marketplace. Making matters worse is the tremendous amount of misinformation around generational differences. What we know for a fact is that strategies that work for one generation can be a complete turn-off for others. This divide is a costly challenge but it can be a breakthrough opportunity. REGULATORY AND LEGISLATIVE CHALLENGES FACING THE INDUSTRY Rob Nichols, President & CEO, American Bankers Association The American Bankers Association represents banks of all sizes and charters and is the voice for the nation s $17 trillion banking industry. Rob joined ABA in August 2015 following 10 years at the helm of the Financial Services Forum, a non-partisan financial and economic policy organization. Before joining the Forum, Nichols served in the George W. Bush administration as the assistant secretary for public affairs at the Treasury Department, a position requiring confirmation by the United States Senate. In this role, he acted as chief spokesperson and head of the office of public liaison, serving as Treasury s lead representative with the media, business, professional trade organizations, consumer groups and the public. BREAKING THROUGH: MY JOURNEY TO BECOMING THE FIRST FEMALE NFL OFFICIAL Sarah Thomas, First Female NFL Official Sarah Thomas is a woman of many firsts she was the first female official to ever work a major college football game, the first woman to officiate a bowl game, and the first to officiate in a Big Ten stadium. She is also the first permanent female NFL official, and now she s sharing essential leadership lessons from her journey to the top of a male-dominated industry and vital insights on shattering the glass ceiling in the world of professional sports that can be applied to any field or industry. SECURITY: FROM SURVEILLANCE TO SKIMMING AND EVERYTHING IN BETWEEN Mike Burke, Robbery and Crisis Management Consultant, Shazam Nothing is more important than the safety of the customers and employees of your member banks. In this session, Mike Burke presents his best information that he brings to bankers across the country. He will identify procedures to deter a robbery. Learn best practices to identify card skimmers, find and convict the criminals who would use them to commit fraud. Finally, Mike will use his experience as the Executive Director of the Homeland Security Training Center to identify and mitigate the threats from a potential active shooter scenario. His extensive experience and deep expertise make his sessions some of the best rated and most sought after around the country. LEADING PROFITABILITY IN THE NEW ECONOMY Mary Kelly, Ph.D., CEO, Productive Leaders The economic and political landscape is rapidly changing in the U.S. as well in Europe and Asia. Socio-political events are impacting the financial markets as never before. What do you need to know? How is the economy going to impact your business? Kelly provides an engaging and interesting economic update on the latest trends and forecasts. Specifically, she will review US spending and budget issues, tax changes, and include banking changes, likely regulatory responses, and how technology can help us communicate with and protect our customers. THE POWER TO STAND Chris Norton Chris Norton suffered a spinal cord injury while playing football at Luther College (Iowa). The doctors gave Chris a 3 percent chance of moving anything below his neck again. Four years later, he defied the odds and walked across stage at his college graduation. The video went viral twice, garnered 300 million+ views, and caught the eye of the country's top media outlets. We all deal with change, no matter how big or how small, no matter who you are or where you come from. Life & work can alter quickly but that's not what's important. What is important is whether we will stand back up. This keynote dives into the essence of what it takes to have The Power to Stand, how to persevere through the most challenging obstacles, and how to navigate change in life or work.

13 HIGHLIGHTS NBA Annual Meeting Thursday, May 2 11:15 11:45 a.m. Embassy Suites Omaha, La Vista Conference Center NBA State BankPAC Silent Auction and Correspondent Banks Reception Thursday, May 2 4:30 6:30 p.m. (bids will be taken until 6:30 p.m.) Embassy Suites Omaha, La Vista Conference Center Exhibit Hall Thursday, May 2 7:30 a.m. 6:30 p.m. Friday, May 3 8:00 11:30 a.m. Embassy Suites Omaha, La Vista Conference Center Milestone Awards Luncheon Thursday, May 2 12:00 2:15 p.m. Embassy Suites Omaha, La Vista Conference Center NBA Volunteer Recognition and Awards Breakfast Friday, May 3 9:00 11:30 a.m. Embassy Suites Omaha, La Vista Conference Center

14 AGENDA WEDNESDAY, MAY 1 1:00 2:30 p.m. NBISCO Board of Directors Meeting 3:00 5:00 p.m. NBA Board of Directors Meeting 5:00 6:30 p.m. NBA Past Chairmen s Meeting 6:30 p.m. Reception and Dinner for the NBA Board of Directors, NBA Past Chairmens Club, NBA Leadership Class of 2020 (current class), NBISCO Board of Directors, and VEBA Board of Trustees THURSDAY, MAY 2 7:00 a.m. NBA Registration Desk Open 7:30 8:15 a.m. (Trade Show open 7:30 a.m. 6:30 p.m.) NBA Trade Show Continental Breakfast With Networking Opportunities & Cash Prize Drawings 8:30 8:55 a.m. Welcome to NBA's Annual Convention Opening Ceremony & NBA Chairman's Remarks Dave Dannehl, NBA Chairman First State Bank of Loomis 8:55 9:00 a.m. Ignite Session: Kids on Banking 9:55 10:30 a.m. Regulatory & Legislative Challenges Facing the Industry Rob Nichols, President & CEO, American Bankers Association 10:30 11:15 a.m. Bank Ownership Succession - Panel 11:15 11:45 a.m. NBA Annual Meeting & Election of Officers New NBA Board of Directors Meeting 11:30 a.m. 12:00 p.m. Trade Show Break & Cash Prize Drawings 12:00 2:15 p.m. Annual Awards Luncheon 9:00 9:50 a.m. Crossing the Generational Divide at Work: Unlock the Power of Generations to Grow Your Bank Matt Beaudreau, The Center for Generational Kinetics Milestone Award Presentations Join us as we recognize those bankers celebrating 50 years of service to the financial industry and banks celebrating 25, 50, 75, 100, 125, and 150 years of service to their communities. 9:50 9:55 a.m. Ignite Session: Bankers on Banking Breaking Through: My Journey to Becoming the First Female NFL Official Sarah Thomas First Female NFL Official

15 2:30 3:00 p.m. In-School Banks - Panel Discussion 3:00 3:45 p.m. Security: From Surveillance to Skimming and Everything in Between Mike Burke, Robbery and Crisis Management Consultant, Shazam 3:45 4:30 p.m. Leading Profitability in the New Economy Mary Kelly, CEO, Productive Leaders 4:30 6:30 p.m. NBA Correspondent Banks Reception & NBA State BankPAC Silent Auction (Bids will be taken until 6:30 p.m.) 7:00 p.m. NBA Chairman s Banquet Alan Emshoff, NBA Chairman Generations Bank, Exeter 9:00 p.m. Entertainment Ricky Kalmon s hypnosis show has amazed audiences around the world. He has made numerous special guest appearances on ESPN, Hallmark Channel, Fox, FX, TV Guide and Comedy Central. Kalmon s uniqueness comes from the way he combines music, audience participation, and comedy to create an unforgettable show that is unmatched by anyone. It s a show that will keep you on the edge of your seat and take you on a Vacation of the Mind! FRIDAY, MAY 3 8:00 a.m. NBA Trade Show (open 8:00 11:30 a.m.) 9:00 a.m. NBA Volunteers Recognition Awards Breakfast Join the NBA in paying special recognition to the many bankers who have volunteered countless hours in serving the NBA and their communities, as well as scholarship award recipients. Award Presentations 10:30 a.m. The Power to Stand Chris Norton 11:30 a.m. NBA Annual Convention Adjournment

16 SPONSORS Diamond Platinum NBISCO (Nebraska Bankers Insurance & Services Co.) KBA/NBA Schools of Banking Correspondent Reception Gold Cornerstone Bank First National Bank of Omaha Bankers Bank of the West Midwest Independent Bank Silver Bronze Bell Bank BlueCross BlueShield of Nebraska Cornerstone Bank Federal Protection Inc. FHLBank Topeka American Bankers Association BOK Financial Solutions Five Nines EXHIBITORS Fiserv Investors Title Insurance Co. United Bankers Bank Wells Fargo Bank N.A. Koley Jessen PC LLO Raymond James Aflac Ascensus Automated Systems Inc. BancMac-Community Banc Mortgage Corp. Bankers' Bank of the West Bankers Healthcare Group Compliance Alliance Convergint Technologies Credit Information Systems CSI (Computer Services Inc) Data Business Equipment Inc. Federal Reserve Bank of Chicago Fiserv Five Nines FPS GOLD Investors Title Insurance Co. JFC Financial Services Inc. John M. Floyd & Associates Modern Banking Systems Inc. Money Handling Machines Inc. NFP Executive Benefits OneBeacon Insurance Group Rochester Armored Car Co. SBS CyberSecurity Securities America Strunk LLC Travelers United Bankers' Bank Vantage Point Solutions Windsor Mortgage Solutions Zelle HR Solutions as of 03/12/2019

17 INFORMATION To register for the convention, please complete the enclosed Registration Form. Please type or print the full name and nickname for each registrant along with the financial institution/firm name and address. For full registrants, please indicate on the Registration Form in the columns provided the meal functions each registrant plans to attend to help the NBA in determining actual counts for the meal functions. Full Registration: Early Bird Registration (before April 24, 2019) Partial & Optional Event Registration Options: Banker... $ Associate Member... $ Accompanying Spouse/Guest... $ Non-Member... $1, Includes admission to all convention events including sessions, receptions, meal functions, and entertainment. Thursday Day Only... $ Thursday Trade Show Continental Breakfast Only.. $20.00 Thursday Awards Luncheon & Speaker Only... $50.00 Thursday Reception/Banquet/Entertainment Only. $ Friday Awards Breakfast & Speaker Only... $45.00 Non-members must add $590 to Thursday Day, $40 to Thursday Breakfast, $100 to the Awards Luncheon, $200 to Thursday Evening, and $90 to the Friday Awards Breakfast. Special note: If you need any special assistance at the convention, please contact the NBA Education Center to make arrangements. Regular Registration / Cancellation Policy After April 24, 2019, add $25 to each registration fee. Substitutions are allowed, at no additional cost. Notice is required for all substitutions/cancellations. If the request is received by the NBA Education Center by April 24, 2019, the full fee will be refunded. After that date the refund is subject to a 50% cancellation fee per registrant. Convention Badges Registrants may pick up their registration packets at the NBA Registration Desk at the Embassy Suites Omaha, La Vista. They will not be mailed in advance. Name badges will be required for admission to all NBA events. REGISTRATION DESK WILL BE OPEN: Thursday, May :00 a.m. - 7:00 p.m. Friday, May :30 a.m. - 11:30 a.m. Hotel Accommodations A room block has been reserved at the Embassy Suites Omaha, La Vista for the convention. Enclosed with this brochure is a Reservation Form you may use to make your hotel reservations, or you may call the Embassy Suites Omaha, La Vista directly at (402) When calling, please indicate you are with the NBA room block to receive the group/corporate rate. The room block expires Sunday, April 7, Embassy Suites Omaha, La Vista Exit 442 off I Westport Parkway, La Vista, NE

18 PAST CHAIRMEN 1890 E.K. Valentine, West Point 1892 C.F. Bentley, Grand Island 1894 C.E. Adams, Superior 1900 Henry W. Yates, Omaha 1901 George W. Post, York 1902 Silas Henry Burnham, Lincoln 1903 J.T. Trenery, Pawnee City 1904 J.T. Trenery, Pawnee City 1905 L.B. Howey, Beatrice 1906 Philip L. Hall, Lincoln 1907 J.P.A. Black, Hastings 1908 Charles E. Burnham, Norfolk 1909 J.W. Welpton, Ogallala 1910 George N. Seymour, Elgin 1911 Frank McGiverin, Fremont 1912 George F. Sawyer, Western 1913 John R. Cain, Jr., Stella 1914 Jesse C. McNish, Wisner 1915 Thomas Murray, Dunbar 1916 Dan Morris, Kearney 1917 W.S. Weston, Hartington 1918 No Convention 1919 H.K. Frantz, Eagle 1920 John M. Flannigan, Stuart 1921 Charles H. Randall, Randolph 1922 Dan J. Riley, Dawson 1923 C.A. Minick, Crawford 1924 Harold H. McLucas, Fairbury 1925 I.R. Alter, Grand Island 1926 Clarence G. Bliss, Elm Creek 1926 E.C. Davenport, Valentine 1927 Charles A. Smith, Tilden 1928 Philip L. Hall, Jr., Greenwood 1929 A.N. Mathers, Gering 1930 J.G. Lowe, Kearney 1931 Edwin N. Van Horne, Lincoln 1932 R.H. Barber, Paxton 1933 Emil E. Placek, Wahoo 1934 Otto Kotouc, Sr., Humboldt 1935 J.M. Sorensen, Fremont 1936 Henry A. Schneider, Plattsmouth 1937 A.J. Jorgenson, Sidney 1938 E.S. Holcomb, Broken Bow 1939 Clyde C. Neumann, Oakland 1940 Carl D. Ganz, Alvo 1941 O.A. Riley, Hastings 1942 Robert F. Clarke, Papillion 1943 J. Dale Milliken, Fremont 1943 Robert I. Stout, Tekamah 1944 Edgar McBride, Blue Hill 1945 Victor E. Dolpher, David City 1946 Glen T. Gibson, Gibbon 1947 John O. Peck, Columbus 1948 James R. Kenner, Sr., Hebron 1949 W.H. Pierce, Shelby 1950 Earl H. Wilkins, Geneva 1951 William N. Mitten, Fremont 1952 William F. Wenke, Pender 1953 W. Horton Munger, North Platte 1954 Edward Huwaldt, Grand Island 1954 Joseph V. Johnson, Tecumseh 1955 H.L. Gerhart, Newman Grove 1956 Fred H. Bruning, Bruning 1957 Henry D. Kosman, Scottsbluff 1958 Harold E. Roe, Bennington 1959 Everett M. Black, Fullerton 1960 Minor P. Baird, Superior 1961 Bernard D. Berkheimer, Gordon 1962 Lyman M. Stuckey, Lexington 1964 Norbert T. Tiemann, Wausa 1965 William W. Cook, Sr., Beatrice 1966 Thomas J. Aron, Crete 1967 Marion R. Morgan, Elwood 1968 Henry Gramann, Jr., Adams 1969 Adon Jeffrey, Wayne 1970 Harold L. McKibbin, Gering 1971 John W. Cattle, Sr., Seward 1972 Roland E. Emmett, Arapahoe 1973 F. Willard Jackman, Grant 1974 Richard E. Adkins, Osmond 1975 Robert E. Burkley, Fairbury 1976 James I. Black, Pierce 1977 Harold E. Larmon, McCook 1978 Karl E. Dickinson, Lincoln 1979 James W. McBride, Aurora 1980 Jerry E. Roe, Bennington 1981 William W. Cook, Jr., Beatrice 1982 Harold P. Stuckey, Lexington 1983 Don G. Johnson, Pilger 1984 Andrew C. Hove, Jr., Minden 1985 Mel Adams, Ogallala 1986 C.G. Holthus, York 1987 Donald E. Blaha, Ord 1988 Harley D. Bergmeyer, Wilber 1989 James F. Nissen, Lincoln 1989 William Brandt (Honorary), Unadilla 1990 Samuel P. Baird, Superior 1991 Lawrence Comine, Jr., Omaha 1992 Rodney P. Vandeberg, Falls City 1993 Alice M. Dittman, Lincoln 1994 William W. Marshall, III, Grand Island 1995 Dale E. Pohlmann, Ravenna 1996 Arvon Marcotte, Nebraska City 1997 Philip M. Burns, West Point 1998 Dennis R. Utter, Kenesaw 1999 Richard E. Adkins, Jr., Laurel 2000 Thomas H. Olson, Lisco 2001 Leslie R. Andersen, Bennington 2002 Michael J. Nelson, Kimball 2003 Matthew H. Williams, Gothenburg 2004 Thomas E. Wolf, North Bend 2005 Mark A. Sutko, Kearney 2006 Catherine M. Morrissey, Lincoln 2007 Ronald D. Kranz, Fremont 2008 Jeffrey W. Krejci, Lincoln 2009 Michael B. Jacobson, North Platte 2010 Larry D. Marik, Columbus 2011 Kendell G. Holthus, York 2012 Clark D. Lehr, Columbus 2012 George G. Beattie (Honorary), Lincoln 2013 John P. Stinner, Gering 2014 Craig G. Brewster, Butte 2015 Michael Pate, Omaha 2016 Jerry Catlett, Bruning 2017 Kristie K. Holoch, York 2018 David P. Dannehl, Loomis 233 South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) Extraordinary Service for Extraordinary Members 1 03/12/19

19 HOTEL RESERVATION FORM Nebraska Bankers Association s May 1-3, Annual Convention Embassy Suites Omaha, La Vista PLEASE GO ONLINE OR FILL OUT AND RETURN BY FAX OR MAIL TO THE EMBASSY SUITES OMAHA, LA VISTA. ALL RESERVATIONS ARE DUE BY APRIL 7, 2019 Hotel Information and Rates: Embassy Suites Omaha - La Vista Hotel & Conference Center Westport Parkway La Vista, Nebraska Room Rates Single or Double Occupancy $ Triple Occupancy $ Phone: (402) Fax: (402) Check-in is at 4:00 p.m. Check-out is at 11:00 a.m. ONLINE TWO WAYS TO MAKE RESERVATIONS Embassy Suites has established a secure, personalized web page for you to register. Enter the following link in your browser and register online more quickly, accurately, and securely! OR RETURN BY FAX TO (402) or MAIL DIRECTLY TO THE HOTEL. TYPE OF ROOM: Single Double ARRIVAL DATE: / /2019 DEPARTURE DATE: / /2019 NAME: STREET ADDRESS: CITY/STATE/ZIP: TELEPHONE: ( ) Rooms will be guaranteed with a major credit card: Diner s Club MasterCard American Express Discover Visa Card Number: Expiration Date: Signature: ALL RESERVATIONS ARE DUE BY APRIL 7, 2019

20 NBA REGISTRATION FORM Nebraska Bankers Association s May 1-3, Annual Convention Embassy Suites Omaha, La Vista (Please type or print) Financial Institution: Address: City: State: Zip: Telephone #: ( ) Fax#: ( ) Full Registrants: Banker... $ Associate Member... $ Accompanying Spouse/Guest... $ Non-Member... $1, Partial & Optional Event Registration Options: Thursday Day Only (Breakfast, Sessions, Luncheon)... $ Thursday Trade Show Continental Breakfast Only (No General Sessions)... $20.00 Awards Luncheon Only (No General Sessions)... $50.00 Reception/Banquet/Entertainment Only... $ Friday Awards Breakfast & Speaker Only... $45.00 Non-members must add $590 to Thursday Day, $40 to Thursday Breakfast, $100 to the Awards Luncheon, $200 to Thursday Evening, and $90 to the Friday breakfast. Regular Registration / Cancellation Policy: After April 24, 2019, add $25 to each registration fee. Requests for refunds of cancelled registrations must be received by the NBA Education Center no later than April 24, 2019 and are subject to a $20 cancellation charge per registrant. No refunds will be made after April 24, Substitutions are allowed at any time. FULL REGISTRANTS (Please type or print) FIRST NAME MI LAST NAME Full Member Registrant $395 / $195 Non-Member $1,185 For Full Registrants: Please indicate which of the following functions you will be attending: Thursday Breakfast Thursday Luncheon Thursday Banquet Friday Breakfast TOTAL DUE 1. Last 4 Digits of Social Security #: 2. Last 4 Digits of Social Security #: 3. Last 4 Digits of Social Security #: 4. Last 4 Digits of Social Security #: PARTIAL REGISTRANTS (Please type or print) For Partial Registrants ONLY: (These options do not include the general sessions) FIRST NAME MI LAST NAME Thursday Buffet Breakfast ONLY $20 p/p Thursday Awards Luncheon ONLY $50 p/p Thursday Reception, Banquet, Entertainment ONLY $100 p/p Friday Awards Breakfast ONLY $45 p/p TOTAL DUE 1. Last 4 Digits of Social Security #: 2. Last 4 Digits of Social Security #: Payment Choice (check one): 1 Master Card VISA Card Holder Name: Card Number: Exp. Date: Signature: CVV: TOTAL DUE...$ Three Ways to Register: FAX: (402) Mail: NBA Education Center PO Box 80008, Lincoln, NE PHONE: (402)

21 March 22, 2019 Vol. XXXVI, No. 4 EEOC DELAYS EEO-1 FILING DEADLINE The Equal Employment Opportunity Commission (EEOC) has announced that it has delayed the filing due date for the EEO 1 report. The EEO 1 Survey must be filed annually by private employers with 100 or more employees, and by federal contractors with 50 or more employees and a federal contract/subcontract in excess of $50,000. The survey requires company employment data to be categorized by race/ethnicity, gender, and job category. Due to the recent partial government shutdown, the normal filing date of March 31, 2019, has been extended to May 31, The foregoing Compliance Update is for informational purposes only and does not constitute legal advice. As a reminder, the NBA general counsel is the attorney for the Nebraska Bankers Association, not its member banks. The general counsel is available to assist members with finding resources to help answer their questions. However, for specific legal advice about specific situations, members must consult and retain their own attorney.

22 March 22, 2019 Vol. XXXVI, No. 5 I. INTRODUCTION PRIVATE FLOOD INSURANCE The federal banking agencies have published a Final Rule on private flood insurance. The Final Rule implements the private flood insurance requirements originally enacted in the Biggert- Waters Flood Insurance Reform Act of 2012 (Biggert-Waters). The Final Rule: 1. Implements the Biggert-Waters requirement that institutions accept private flood insurance policies meeting specific criteria; 2. Defines private flood insurance for purposes of determining whether acceptance is required; 3. Allows institutions to rely on an insurer's written assurance ( compliance aid") in the private policy that the specific criteria have been met; 4. Clarifies that institutions may accept private policies that do not meet the specific criteria, under certain circumstances; and 5. Permits institutions to accept flood insurance plans provided by mutual aid societies in certain cases. The Final Rule is effective on July 1, II. PRIVATE FLOOD INSURANCE A private flood insurance policy must: 1. Be issued by an insurer or surplus lines insurer licensed by the insurance regulator in the state where the property is located; 2. Provide flood insurance coverage that is at least as broad as that under a National Flood Insurance Program (NFIP) Standard Flood Insurance Policy (SFIP), specifically considering deductibles, exclusions, and conditions; 3. Include a requirement for the insurer to give 45 day written notice before cancellation or non renewal; 4. Include information about the availability of flood insurance coverage under the NFIP; 5. Include a mortgage interest clause similar to the clause in an SFIP; 6. Include a one year statute of limitations provisions; and 7. Contain cancellation provisions that are as restrictive as the provisions in an SFIP. Under the Final Rule, a policy is at least as broad as the coverage provided under an SFIP if the following conditions are met:

23 1. Defines flood to include the same events defined as a flood" in an SFIP; 2. Has the same types of coverage and provisions available in an SFIP, including: building property coverage; personal property coverage; other coverages; and the increase cost of compliance. 3. Has deductibles that are no higher than the NFIP maximum for the same type of property, and includes non applicability provisions that are similar to those in an SFIP; 4. Provides coverage for direct physical loss caused by a flood and may exclude other types of loss that are included in an SFIP; and 5. Does not contain any other conditions that provide less coverage than would be provided in an SFIP. III. MANDATORY ACCEPTANCE AND COMPLIANCE AID The Final Rule requires institutions to accept any private flood insurance" that meets the definition set forth above. Under the Final Rule, an institution can determine that a policy meets the definition of private flood insurance as long as the policy or an endorsement contains the following sentence: This policy meets the definition of private flood insurance contained in 42 U.S.C a(b)(7) and the corresponding regulation." An institution may not refuse a policy simply because it does not contain the foregoing statement. In such a case, the institution must make its own determination regarding whether the policy meets the definition of private flood insurance set forth above. IV. DISCRETIONARY ACCEPTANCE The Final Rule maintains the option for institutions to accept certain flood insurance policies issued by private insurers, even if the policy doesn t meet the definition of private flood insurance. The Final Rule contains the following requirements for discretionary acceptance: 1. The policy meets the minimum coverage requirements (equal to the lesser of the outstanding principal balance of the designated loan or the maximum limit of coverage available for the particular type of property under the Act); 2. The policy is issued by an insurer that is licensed, admitted, or otherwise approved to do business where the property is located; or for non residential commercial property, is issued by surplus lines insurer recognized or not disapproved where the property is located; 3. The policy covers both the mortgagor and mortgagee as loss payee; and 4. The policy provides sufficient protection for a designated loan, consistent with general safety and soundness principles and the institution documents its conclusion regarding sufficiency of the protection of the loan in writing. While the Final Rule does not outline documentation expectations, the Agencies note in the Preamble to the Final Rule that lending institutions may consider several factors to determine whether a policy provides sufficient protection. These include: 2

24 1. Whether the flood insurance policies deductibles are reasonable based on the borrower s financial condition; 2. Whether the insurer provides adequate notice of cancellation to the mortgagor and mortgagee to ensure timely force placement of flood insurance, if necessary; 3. Whether the terms and conditions of the flood insurance policy with respect to payment per occurrence or per loss and aggregate limits are adequate to protect the regulated lending institution s interest in the collateral; 4. Whether the flood insurance policy complies with applicable State insurance laws; and 5. Whether the private insurance company has the financial solvency, strength, and ability to satisfy claims. V MUTUAL AID SOCIETY The Final Rule allows institutions to choose whether to accept certain plans providing flood coverage issued by mutual aid societies. A mutual aid society is defined as an organization that meets the following three criteria: 1. The members must share a common religious, charitable, educational, or fraternal bond; 2. The organization must cover losses caused by damage to members property pursuant to an agreement, including damage caused by flooding, in accordance with this common bond; and 3. The organization must have a demonstrated history of fulfilling the terms of the agreements to cover losses to members' property caused by flooding. An institution may accept a plan issued by a mutual aid society if: 1. The institution s regulator has determined that the plan qualifies as flood insurance for purposes of the Act; 2. The plan meets the minimum coverage requirements; 3. The plan covers both the mortgagor(s) and the mortgagee(s) as loss payees; and 4. The plan provides sufficient protection for a designated loan, consistent with general safety and soundness principles, and the institution documents this in writing. Institutions are not required to accept a plan from a mutual aid society, assuming the plan does not otherwise meet the definition of private flood insurance. The foregoing Compliance Update is for informational purposes only and does not constitute legal advice. As a reminder, the NBA general counsel is the attorney for the Nebraska Bankers Association, not its member banks. The general counsel is available to assist members with finding resources to help answer their questions. However, for specific legal advice about specific situations, members must consult and retain their own attorney. 3

25 Banks & Bankers (March 20-26, 2019) Bankers in the News Brian Esch, MNB Bank (McCook), recently spoke to finalists at the 2019 Hormel Entrepreneurship Competition advisory night. The event heads into the final stages of the four-month process to help infuse area business startups and expansion with funds. Esch emphasized the importance of business relationships and banking in communities. Banks in the News Citizens State Bank (Papillion) installed the first ever ATM at Papillion South High School so students could have access to cash. Half of each $2 transaction fee goes back to the school. In addition, the bank s Papillion location continually serves as the core provider for the Liberty Middle School SOAR Program store. Students earn prizes from the store by doing good deeds. (pictured right) Citizens State Bank (Papillion) employees, Alex Olson, Paige Godberson & Andrea Falter, with school principal, Troy Juracek (in red), at the Liberty Middle School SOAR Program store Citizens State Bank (Wisner) held a hamburger feed March 21 with 100 percent of donations going toward local flood relief efforts. The feed raised more than $5,000 in two hours! (pictured left) First Central Bank (McCook) was a bronze sponsor for the 2019 Hormel Entrepreneurship Competition. First National Bank of Omaha (Omaha) has partnered with the Nebraska Community Foundation to create the Rebuild the Heartland Community Fund. The bank is contributing $100,000 and will match up to $150,000 in additional contributions. The effort will support nonprofit organizations leading rebuilding and recovery efforts in Nebraska, western Iowa and southeastern South Dakota. Great Western Bank, Platte Valley Bank, Points West Community Bank, and Security First Bank (all of Sidney), as well as FirstTier Bank and Points West Community Bank (both of Kimball), are all sponsors for the annual Women in Agriculture Conference in Sidney, scheduled for April 12. Home Federal Bank (Lexington) was one of the businesses who hosted the Dawson County Exploration Day March 20. Students visited event booths to explore post-high school career and college options. Midwest Bank (Deshler) hosted a celebratory National Agriculture Week appreciation breakfast March 15. Approximately 70 ag producers, businesspeople and their families were served. Extraordinary Service for Extraordinary Members NBA Update

26 Banks & Bankers (March 20-26, 2019) Promotions & Appointments OMAHA: Nancy Johnson, vice president/consumer loan manager, and Teresa Nelly, vice president/branch manager, West Gate Bank. Johnson Nelly Share your news with the Nebraska Bankers Association! Whenever your financial institution has a newsworthy event, we want to hear from you. your news, press releases, newspaper clippings and/or photos to to be published in an upcoming Banks & Bankers and/or featured on social media. // Extraordinary Service for Extraordinary Members NBA Update