Update. Attention Women Bankers: .BANK Reserved Names Auctions INSIDE THIS ISSUE

Transcription

1 October 3, 2018 Volume 40 Issue 37 INSIDE THIS ISSUE I N S E R T S Women in Banking Conference October 10-11, Omaha Certified Banking Cybersecurity Manager Certification October 15-16, Lincoln 2018 Summit on Regulatory Issues October 26, Lincoln 2018 Bank Investment, Funding & Economic Outlook Conference November 1-2, Lincoln 2018 Loan Documentation Workshop November 13-15, Kearney Compliance Update: Federal Deposit Insurance Act Section 19 Statement of Policy Compliance Update: Website Content Accessibility Guidelines WCAG 2.1 Banks & Bankers September 26 - October 2 Update.BANK Reserved Names Auctions In 2015 ftld Registry Services, the company co-founded by the American Bankers Association (ABA) became the exclusive operator of the newly developed.bank domain. Since launch, more than 40 percent of banks in the U.S. have registered.bank domain names. Many institutions have aligned their brands with this tool as bank is a simple, globally recognized term and because of ftld s commitment to serving and protecting the global banking community and the customers it serves. Breaches and phishing attempts are reaching all-time records and is growing exponentially as a top industry concern..bank has been established to be an online stamp of trust, a simpler, quicker, more thorough way to educate employees and customers to protect them against cyberattacks. As a verified domain,.bank offers institutions a way to operate in a gated community of banks, giving a visual cue that customers can recognize and a simple educational message If it s.bank, it s us.. During the month of October, three separate auctions of available.bank domains will be conducted with the first auction closing on Oct. 11. The.BANK registry will auction specified Common Community names from their Reserved Names List. Domain name bids may be placed immediately, and auctions will close according to the noted schedule. Click HERE to view the Domain Name Auction Process. If you have questions about the entities authorized to provide domain name registration services for.bank, ftld@ftld.com. Learn more about.bank at Attention Women Bankers: 2018 Women in Banking Conference October ~ Embassy Suites Downtown ~ Omaha Kelly McDonald, Janie Walters, Colonel Jill Morgenthaler, Sarah Sasse-Kildow, Debbie Peterson and Lynn O Dowd are among this year s featured speakers! View BROCHURE and REGISTER TODAY! Extraordinary Service for Extraordinary Members

2 News Briefs From Washington CFTC Proposals on Community Bank Capital, Large Bank Supervision Expected by Year-End Financial regulators will issue by year-end their proposal exempting highly capitalized community banks from the Basel III capital calculations, as directed by S. 2155, FDIC Chairman Jelena McWilliams told members of the Senate Banking Committee Tuesday. Under the law, community banks with under $10 billion in assets that exceed a yet-to-be-determined capital ratio between 8 and 10 percent will be considered in compliance with all other capital and leverage requirements. McWilliams said that the agencies are approaching the community bank capital regime from a simple perspective, noting that we have made things too complicated and that community banks should not be subject to Basel III requirements. She added that the system regulators put in place going forward should be commensurate with the risk profile of small community banks. Turning to supervision for larger institutions, Federal Reserve Vice Chairman for Supervision Randal Quarles affirmed that the Fed s highest priority continues to be establishing a framework for applying enhanced prudential standards for banks holding $ billion in assets. Quarles said he expects the Fed to issue its rulemaking very soon and certainly before the end of the year. He added that as the Fed continues to consider the full set of rules that apply to the nation s largest banks -- including the capital framework, liquidity rules and stress testing requirements -- consideration of the global systemically important bank surcharge would inevitably be a part of that discussion. FDIC Report: Banks Small Biz Lending Significantly Underestimated Banks lend significantly more to small businesses than is captured by commonly used proxies, according to a major FDIC study released Monday. In 2015, the agency found, small business commercial and industrial lending by banks was understated by 12 percent, or $37 billion -- while small business C&I loans by small banks (which it defined as banks with less than $10 billion in assets) were understated by 29 percent. Community banks were especially important in small business lending, holding 42 percent of small business loans but just 13 percent of all industry assets. Drawing on survey responses from about 1,200 banks, the report dug beyond the measure of C&I loans of $1 million or less that is often used as a proxy for small business loans. It found that a substantial share of C&I loans over this threshold go to businesses generally understood to be small and that the measure does not capture business loans secured by residential real estate. Large banks were more likely to accept business loan applications via phone, on-site visits or online than smaller banks. Smaller banks emphasized ability to talk to someone, customer referrals and community involvement as among their top sources of new loan relationships, while large banks focused on professional referrals, extensive branch networks and marketing initiatives to existing customers. Read the study. FDIC Seeks Feedback on Communication, Transparency As part of an effort to increase efficiency and transparency, the FDIC Monday issued a request for information seeking feedback on its communication methods and related initiatives. Comments are due 60 days after publication in the Federal Register. Specifically, the FDIC is seeking input on the various forms of communication it uses to provide information to financial institutions about regulations, policies and guidance, industry data, educational materials and other updates and how these channels could be improved or streamlined. Read the RFIs. News Source: American Bankers Association 2 NBA Update Extraordinary Service for Extraordinary Members

3 ABA Op-Ed: Regulators Need to Revisit Bank Capital Rules In an American Banker op-ed last Friday, American Bankers Association (ABA) EVP Wayne Abernathy and VP Hugh Carney explain why it s time for regulators to assess and calibrate capital requirements for banks of all sizes. Higher capital levels have helped to make the system safer, but asking banks to hold too much capital, the wrong kind or making the calculation methodology too complex can also have negative repercussions for consumers and the broader economy, they wrote. Specifically, Abernathy and Carney urged agencies to finalize a proposal from last year simplifying the regulatory treatment of mortgage servicing assets, deferred tax assets and investments in trust-preferred securities. They also called for the agencies to act quickly to implement an ABA and state associationdeveloped plan -- mandated in the S regulatory reform bill -- to simplify Basel III compliance for highly capitalized community banks. Under this approach, community banks with 8 percent capital or more would be deemed in compliance with Basel III without having to do the complicated calculations. Read the op-ed. News Source: American Bankers Association Compliance Alliance Q&A Q: The credit reports we use are through the company Factual Data. This company retrieves the information from Equifax and on our tri-merge requests, retrieves from all 3 consumer reporting agencies. We have been putting on the denial letters A Nebraska Bankers Association Company the address and phone numbers of the consumer reporting agencies for the person to contact. Factual Data did a review of our procedures and is saying that it should be their name and address on the denial letters since they furnished the report. I want to verify that changing to their name and contact information would be correct. A: To be most conservative, we would agree and recommend including Factual Data on the Adverse Action Notice, including their name, address, and phone number. There is currently a debate in the industry, including with examiners, regarding whether tri-merge companies are considered a credit reporting agency. If they are, it would be recommended that they are disclosed on the Adverse Action Notice. 15 USC 1681a(p) "The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer s credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide: (1) Public record information; (2) Credit account information from persons who furnish that information regularly and in the ordinary course of business." "Multiple credit scores. 28 In certain cases, a person may receive multiple credit scores from consumer reporting agencies. If the person only uses one credit score in making the decision, that particular score and related information for that specific credit score must be disclosed. If the person uses multiple credit scores in making the credit decision, only one of the scores is required to be disclosed; however, the FCRA does not prohibit creditors from disclosing multiple credit scores to the consumer." Not a Compliance Alliance Member? Compliance Alliance offers a comprehensive suite of compliance management solutions. To learn how to put them to work for your bank, call or info@compliancealliance.com. Extraordinary Service for Extraordinary Members NBA Update 3

4 ABA Nominates Holoch as New Board Member The ABA nominating committee has selected a slate of candidates for the association s board of directors including NBA Past Chairman Kristie Holoch of Cornerstone Bank in York. Nominees for new terms on the board are: Richard Adams, president, United Bankshares, Parkersburg, W.Va. Pedro Bryant, president and CEO, Metro Bank, Louisville, Ky. Greg Carmichael, chairman, president and CEO, Fifth Third Bancorp, Cincinnati Luanne Cundiff, president and CEO, First State Bank of St. Charles, St. Charles, Mo. Kristie Holoch, president and CEO, Cornerstone Bank, York, Neb. Bryan Luke, president and COO, Hawaii National Bank, Honolulu Matt Packard, chairman and CEO, Central Bank, Provo, Utah Brad Paige, president and CEO, Kennebunk Savings Bank, Kennebunk, Maine Pat Weigel, president and CEO, Norway Savings Bank, Norway, Maine Dan Yates, president and CEO, Brattleboro Savings and Loan, Brattleboro, Vt. The nominees will join other sitting board members and ABA s nominees for new officers -- previously announced in July -- following their election during the ABA Annual Convention, Oct in New York. Read more. NBA Employee Spotlight: Shaina Wadhams, Education & Meetings Coordinator Shaina joined the NBA Education team in September and is actively learning her role and assisting with the many fall events the NBA coordinates for the membership. Over the past few weeks Shaina has brought energy, ideas and a smile to the office each day. The next time you attend an NBA event, please welcome Shaina to the Nebraska banking family. Hometown: Lincoln, Nebraska Alma Mater: Waverly High School, University of Nebraska- Lincoln Favorite Part of My Job: I love planning and I love people! It just so happens that my job is a healthy mix of both. I look forward to all the people I will meet and the connections I will make across the state of Nebraska. Favorite Thing About Nebraska: I love how in Nebraska no one is a stranger. You can walk down the street and exchange a few words with most individuals you pass. Everyone here is so kind and polite and willing to lend a hand. That is what I love most about my home state. Hobbies: In my free time I love spending time with family and friends; my favorite thing to do is cook for them! I love finding new recipes and seeing the reactions of my loved ones when I make them try my newest concoction. I am by no means a great cook; but cooking for others makes me feel great! Another hobby of mine that I share with my husband is going to the movies. There are few things more relaxing to me than lounging at the theatre watching the newest movie. 4 NBA Update Extraordinary Service for Extraordinary Members

5 2018 WOMEN WOMEN IN BANKING CONFERENCE ANNUAL CONFERENCE OMAHA OCT LEAD CHANGE GROW Embassy Suites Downtown, Omaha Register online at

6 Join your peers at NBA s fourth annual Women in Banking Conference and learn skills to improve your effectiveness inside and outside of the office. Also, hear about the latest trends in technology that are changing the industry and the skills required to lead banking organizations into the future. Women at every level from emerging leaders to executives will benefit from this conference and gain the knowledge to affect change, grow professionally and become more effective leaders. Wednesday, October 10, :30 a.m. Registration / Continental Breakfast 9:00 a.m. Welcome and Opening Remarks 9:15 a.m. How to Work With and Lead People Not Like You Kelly McDonald, Author of three bestselling books, and President, McDonald Marketing 10:30 a.m. Break We all know that a diverse workforce leads to better decisions and solutions it has been proven to grow business and profits. But when the person in the next cube or office is different from you, friction can arise. Different people may not see eye to eye on an issue. They may have vastly different approaches to work. Their communication styles maybe very different. Their comfort in working with technology may be miles apart. They may see work as a formal environment or one that is casual. They may even have different reasons and motivations for working in the first place. Cultural backgrounds and norms can differ. Even men and women can see situations differently. How do you work alongside someone who may be quite different from you, respect those differences and be effective in your role? 10:45 a.m. Sock It To Me, Socrates: A Guide to Living a Balanced Life Janie Walters, Champion Communications Brilliant minds throughout history have pondered the best way to live a life. William James said, The great use of life is to spend it for something that will outlast it. A Peace Corps commercial proclaimed, If you re not doing something with your life, it doesn t matter how long it is. Says Paul Boese, We come into this world head first and go out feet first; in between, it s all a matter of balance! 12:00 p.m. Luncheon & Dining Etiquette, with Paula Pace, The Executive Development Group, Lincoln 1:00 p.m. Leadership: A Woman s Perspective a panel discussion 2:15 p.m. Break Female leaders have many of the same qualities as their male colleagues, especially an ability to set high goals and inspire others to fulfill them. But women are different in some ways that make them valuable additions to decision making teams. Join us to learn from our panel of bankers from varying communities and sizes of banks, share their story of leadership from a woman s perspective. 2:30 p.m. Powerful Presence: Helping Others to Show and Tell Their Power Colonel Jill Morgenthaler, U.S. Army (Ret.) First Colonel Jill will enthrall you with her showdown with Saddam Hussein. Then she will entertain you while sharing with you how to present your powerful presence. Some women roar ahead in their careers while others stagnate. Some advance their careers, and some unknowingly sabotage their careers. One way to success is when women help women. Colonel Jill shows women ways to help each other move forward, while eliminating unconscious mistakes that could be holding them back. 4:00 p.m. Networking Reception with Comedy Magician, Lee Cole Join your fellow bankers for some conversation time over the day s sessions and speakers, while enjoying a beverage, light hors d oeuvres, and entertainment by our strolling comedy magician! Dinner in the Old Market on Your Own 6:00 p.m. Adjourn Dinner on Your Own!

7 Thursday, October 11, :30 a.m. Continental Breakfast 9:00 a.m. Working Women: Lessons from the Links Sarah Sasse Kildow, Director of Communications & Marketing, Nebraska Bankers Association Sarah is a two time Nebraska state high school golf champion from Lincoln High School. She won the Nebraska Girls Golf Match Play title three times and the state women's Stroke Play championship five times. At UNL, she was the 2003 Big XII champion, Big XII player of the year, and is the only Husker golfer in history to receive firstteam All American honors. Sarah competed on the professional tour and instructed for three years before hanging up her clubs. In 2016, she was one of 22 members of the University of Nebraska Athletics Hall of Fame inaugural class. Sarah will share stories from the links and lessons that often apply to working women. 9:30 a.m. Step Up, Speak Up, Show Up Confident Communication Strategies for Women in Business Debbie Peterson, Getting to Clarity 10:30 a.m. Break Every aspect of your professional life involves communication with others. Confident Communication is vital for you to succeed but are you aware of what may be sabotaging it? Confident communication is so much more than the words you speak. Take charge of your personal thoughts and communications and experience the professional results that you deserve! 10:45 a.m. Unleash Your Inner Superstar! Lynn O Dowd, Chicago, IL 12:00 p.m. Adjournment This session will leave you super charged and ready to step out of your comfort zone, and risk new levels of passion, performance and courage! A transformational program that combines heart opening music, entertaining storytelling, an awe inspiring message and an unforgettable final to support you in breaking free from being super stuck to becoming super successful in business and life! Armed with her GoGaga Formula, the transformational process she developed to help her overcome fear and achieve extraordinary success, Lynn redefied middle age and leaped from being a successful corporate time management consultant to being a rock n roll singer, and inspirational speaker! Registration Information Member Fee: Non Member Fee: First reg $285 per person* $855 per person* Each additional $270 per person* *If received by October 3, 2018 This fee includes all conference materials, continental breakfasts, luncheon, break service, and Wednesday evening event. The deadline for registrations and refunds for cancelled registrations is October 3, Any registrations received after that date will be an additional $20 per person and subject to space availability. Location Information Reservations can be made by calling the hotel directly by September 17. Please mention that you re with the NBA room block. The NBA rate is $149 plus taxes. Embassy Suites Downtown 555 S 10 th St., Omaha / (402) Please feel free to dress casually. To ensure your comfort, please bring a light jacket or sweater to the program. Notice: 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. REGISTRATION FORM ON BACK COVER!

8 1 09/04/18 Financial Institution: 2018 Women in Banking Conference Omaha Embassy Suites Downtown October 10 11, 2018 Please register the following individual(s): NAME (as you wish it to appear on the badge) Last 4 Digits of SSN Bank / Branch Address: City/Town: Zip: Phone# ( ) Address Member Fee: First reg $285 per person Add l $270 per person Non Member Fee: $855 per person Full Registrants: Please check ( ) to confirm your participation in the reception event. ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING! Registrations received after October 3 will be an additional $20 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: 233 South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) /04/18

9 Certified Banking CYBERSECURITY MANAGER TM THE CERTIFIED ADVANTAGE: With the guidance of a cyber expert, complete the FFIEC Cybersecurity Assessment for your institution. Build a solid foundation of understanding for the FFIEC guidance. Gain the knowledge to better defend cybersecurity threats. This onsite certification is delivered over two days. It provides an opportunity to work closely with a security expert and network with peers. ON SITE Course Date: October 15-16, 2018 Schedule: Day 1: 9:00-5:00 Day 2: 8:00-4:00 Location: Nebraska Bankers Association 233 S 13th Ste 700, Lincoln, NE Requirements: A laptop or tablet with your preferred Internet browser. WHAT YOU WILL LEARN: Cybersecurity Overview Inherent Risk Risk Maturity Cybersecurity Policy Effective Cybersecurity Reporting and Decision-Making Cybersecurity Audit Enterprise Risk Management EXECUTIVE Director President CIO CISO CORE CERTIFICATION Certified Banking Security Executive CBSE CTO CFO COO TESTIMONIAL: I was fortunate enough to be involved in the first offering of the certification program and due to the program s benefits, I continue to renew each year. Each year I learn something new and more innovative ways to grow the bank s program. SBS has been a resource not only for their certification programs, but also as a security partner. - Rachel Losey, PA SPECIALIZED CERTIFICATIONS Certified Banking Cybersecurity Manager CBCM INSTRUCTOR: Chad Knutson, CISSP, CRISC, CISA President, SBS Institute PRICE: Certification: $1,295 A $295 annual membership fee and 4hours of continual educational credits are required to keep the CBCM designation. For more information or to enroll in this certification visit

10 Please feel free to dress casually. To ensure your comfort, please bring a light jacket or sweater to the program. Notice: 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. 233 South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) Certified Banking CYBERSECURITY MANAGER TM Certification 1-09/17/18 Financial Institution: Bank / Branch Address: City/Town: Zip: Phone# ( ) October 15 16: NBA Office, Lincoln Please register the following individual(s): NAME (as you wish it to appear on the badge) Last 4 Digits of Address SSN The advanced registration fee per person for the CCBSP Certification Program is: Member: $1,295 Non-Member: $3,885 ($295 Annual Renewal) Registrations received after October 9, 2018, will be an additional $100. Four Ways to Register: FAX: (402) WEBSITE: MAIL: NBA Education Center, PO Box 80008, Lincoln, NE Education PHONE: (402) Event Calendar TOTAL DUE $ Payment Choice (check one): MasterCard VISA Cardholder Name: Card Number: CVV: Exp. Date: Signature:

11 2018 SUMMIT REGULATORY ISSUES SUMMIT ANNUAL SUMMIT LINCOLN OCT 26 DIALOGUE WITH THE REGULATORS Cornhusker Marriott, Lincoln Register online at

12 Share a Dialogue with the Regulators The 2018 Summit on Regulatory Issues has been planned to provide an opportunity for bankers to have a dialogue with banking industry regulators. You will hear from representatives from the FDIC, OCC, Federal Reserve, CFPB, and the Nebraska Department of Banking & Finance. We re sure this will be an outstanding event and one you won t want to miss. Friday, October 26, :00 a.m. Registration / Break Service 9:30 a.m. Opening Remarks Dave Dannehl, NBA Chairman First State Bank of Loomis 9:45 a.m. Keeping Pace with the Demands of Regulatory Oversight James C. Ballentine, Executive Vice President of Congressional Relations and Political Affairs American Bankers Association, Washington, DC 10:00 a.m. Regulatory Panel Discussion Moderated by James C. Ballentine James D. LaPierre, Regional Director Federal Deposit Insurance Corp., Kansas City, MO Dialogue with the Regulators HEAR IT HERE From the Regulators Kevin Moore, Senior Vice President, Supervision and Risk Management Division Federal Reserve Bank of Kansas City, Omaha, NE Kay Kowitt, Deputy Comptroller Western District Office of the Comptroller of the Currency, Denver, CO Kelly Lammers, Deputy Director, Financial Institutions Nebraska Department of Banking and Finance, Lincoln, NE Laura Fiene, Assistant Regional Director Consumer Financial Protection Bureau, San Francisco, CA Panel Wrap up with James C. Ballentine (agenda continued on next page)

13 12:00 p.m. Luncheon 1:00 p.m. Up Close & Personal with the Regulators Ask direct questions and hear what those charged with overseeing your institution have on their agenda for the next year during breakout sessions with the regulators. Regulators will have a chance to hear directly from you regarding your concerns, problems, and recommendations. 2:30 p.m. Adjournment Registration Information Member Fee: Non Member Fee: $45.00 per person* for the first registrant; $35.00 per person* for each additional registrant $ per person* *If received by October 19, 2018 This fee includes all program materials, luncheon, and break service. The deadline for registrations and refunds for cancelled registrations is October 19, Any registrations received after that date will be an additional $10.00 per person and subject to space availability. Hotel Information Reservations can be made by calling the hotel directly. Cornhusker Marriott Hotel 333 South 13 th Street, Lincoln (402) Summit on Regulatory Issues Cornhusker Marriott Hotel, Lincoln October 26, /12/18u Financial Institution: Bank / Branch Address: City/Town: Zip: Phone# ( ) Please register the following individual(s): Last 4 Digits of FIRST NAME MI LAST NAME Social Security # October 26, 2018 Lincoln Cornhusker Marriott Hotel Members: $45.00 (per person) 1st registrant; Non-Members: $ (per person) Registration after 10/19/18 will have a $10 late fee charge in $35.00 (per person) for each addt l addition to the registration fee. Four Ways to Register: ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING! 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:

14 Please feel free to dress casually. To ensure your comfort, please bring a light jacket or sweater to the program. Notice: 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. 233 South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) /12/18u

15 2018 INVESTMENT BANK INVESTMENT, FUNDING, AND ECONOMIC OUTLOOKS ANNUAL CONFERENCE LINCOLN NOV 1-2 OUTLOOK INVESTMENTS FUNDING Cornhusker Marriott, Lincoln We d like to thank our brochure sponsor,

16 THURSDAY, NOVEMBER 1, :30 a.m. Registration / Continental Breakfast 9:00 a.m. Welcome & Opening Remarks 9:15 10:15 a.m. Will Economic Headwinds of Tariffs and Rising Interest Rates Derail the Mid-America Economy? Each month, Creighton University Professor of Economics Ernie Goss surveys bank CEOs in rural, agriculturally dependent areas of 10 mid-western and mountain-region states as well as supply managers in urban areas of nine mid- America states. In this report, Goss will provide a summary of his recent survey results that detail risks and opportunities for businesses, banks, and investors in the months ahead. In particular, Goss will devote attention to the impact of trade and rising interest rates on the regional economy. Dr. Ernie Goss, Economist & Professor of Economics, Creighton University 10:15 a.m. Break 10:30 a.m. 11:30 a.m. Crypto Currency, Fintech and Blockchain What is it and why do I care? Since financial technology (fintech) was created eight years ago, it feels like there is a new financial disruption popping up every week; some of which are fads and some are here to stay. Crypto-currency and blockchain are among the largest financial disruptions. Learn what they are, why you should care, and debate if this is a fad or a lasting trend the industry should pay attention to. Bryan Adler, Co-Founder & CEO, Vetter 11:30 a.m. 12:00 p.m. CECL is Coming, Will You Be Ready? / Replacing LIBOR With early implementation as soon as December and SEC filers transitioning over the next year, community banks need to be ready. This brief overview will discuss what community banks should be doing now and how regulators are preparing. Michelle Lindner, Accounting Examiner Specialist, Department of Banking 12:00 p.m. Luncheon 1:00 2:00 p.m. Using Flow of Funds Analysis to Understand Your Interest Rate Risk Ed Krei, First Bankers Banc Securities (Invited) 2:00 p.m. Break 2:15 3:15 p.m. Ten Strategies for Remaining Independent in a Consolidating Industry This keynote address will explore 10 fundamental strategies for remaining an independent community bank in a consolidating environment. Learn about the necessity of being proactive, setting forth a strategy of independence, focusing on core profitability, ensuring your bank has the optimal organizational structure, appropriately dealing with management and board succession, and other issues. This fast-paced session will present the tools your bank needs to plan and prepare for independence in the future. Greyson E. Tuck, Gerrish Smith Tuck, PC 3:15 p.m. Break 3:30 4:30 p.m. A Different Kind of Career: Under Cover in the CIA Imagine living a lie for 31 years. That s what James Olson and his wife Meredith did while spying for the CIA. Spying for his country was the furthest thing from his mind when Olson, a farm boy from Iowa, received a mysterious phone call that changed his life forever. In his presentation, Olson takes you inside the real world of being a CIA spy. He describes the rigorous training they receive and the difficult dilemmas that they face in the field on a daily basis. Olson explains how the global war on terror affects everyone and that the country needs to know that the United States will be hit again within its borders. The United States needs spies to protect the country and its vital interests. James Olson, Retired CIA 4:30 5:15 p.m. Reception Dinner is on your own.

17 FRIDAY, NOVEMBER 2, :00 a.m. Continental Breakfast 8:30 9:30 a.m. Concentration Risk Management and Stress Testing As scrutiny on concentrations in lending portfolios continues to increase, it is important to illustrate proper monitoring and stress testing of high-risk areas. This presentation will focus on how to mitigate your institution s potential concentration risk and give live examples of how banks break down their portfolios to monitor current and future risk. 9:30 a.m. Break Don Musso, President, FinPro 9:45 10:45 a.m. Community Banks Liquidity Profiles: Regulatory Concerns and Potential Strategies 10:45 a.m. Break Timothy Koch, President, Graduate School of Banking at Colorado 11:00 a.m. 12:00 p.m. Can the High Performance of the Trump Economy Continue? The recently revised GDP growth rate for the second quarter of 2018 is a robust 4.1 percent. The Trump economy is booming. But is this new level of economic performance sustainable? The average post-world War II expansion has a life span of approximately 60 months, with the longest expansion in U.S. history running for 120 months. September 2018 represents the 110th month of the current economic growth phase of the business cycle. That being said, are we nearing the end of this expanding economy? Is another recession in sight? Dr. Edmond J. Seifried, Co-Chairman, Seifried & Brew 12:00 p.m. Conference Adjournment 1-10/01/18 Financial Institution: 2018 Bank Investment, Funding, & Economic Outlook Conference Cornhusker Marriott Hotel, Lincoln November 1 2, 2018 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: $305 per person -- Non-Member Fee: $915 per person Registration Registration Registration after 10/25/2018 will have a $25 late NBA Members: $305 (per person) Non-NBA Members: $915 (per person) fee charge in addition to the registration fee. ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING! Four Ways to Register: FAX: (402) WEBSITE: MAIL: NBA Education Center, PO Box 80008, Lincoln, NE Education PHONE: (402) Event Calendar TOTAL DUE $ Payment Choice (check one): MasterCard VISA Cardholder Name: Card Number: CVV: Exp. Date: Signature:

18 Education Advisory Committee Management Subcommittee Kevin L. Deaver Cornhusker Bank Lincoln Michelle K. Kalin Adams Bank & Trust Ogallala Mark K. Linville First State Bank Randolph Randy W. Lock Two Rivers Bank Blair Carol L. Nielsen First Nebraska Bank Valley Michael J. Palen First National Bank Columbus Robert W. Schardt Midwest Bank York David Schneider Plattsmouth State Bank Plattsmouth We would like to thank the following companies for being cosponsors of this year s conference. NBISCO BOK Financial Securities American Bankers Association First National Capital Markets Bankers Bank of the West FHLBank Topeka Raymond James Schools of Banking Graduate School of Banking-Wisconsin Registration Information Member: $305 (per person) Non-Member: $915 (per person) *If received by October 25, 2018 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 October 25, Any registrations received after that date will be an additional $25 per person and subject to space availability. Location Information Reservations can be made by calling the hotel directly. Notice: Cornhusker Marriott Hotel 333 South 13th Street, Lincoln, (402) 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 Joseph E. Peters Adams Bank & Trust, Fort Collins Jason R. Smith F&M Bank West Point John C. Sorrell Core Bank Omaha Megan L. Jehorek Adams Bank & Trust, Ogallala Melissa Karloff Heartland Bank, Hastings Jill Keller Five Points Bank, Grand Island Sherla Post Cornhusker Bank, Lincoln Renee Rose Five Points Bank, Grand Island Tana Wagener West Gate Bank, Lincoln Mark A. Way York State Bank York Nathan M. Wyatt Gothenburg State Bank Gothenburg 233 South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) /01/18

19 2018 LOAN DOC LOAN DOCUMENTATION WORKSHOPS ANNUAL LOAN DOC WORKSHOPS NOV PRINCIPLES ADVANCED AG-LENDER Holiday Inn, Kearney Register online at

20 Loan Doc I... Principles of Loan Documentation The Principles of Loan Documentation workshop is designed to help those who make, manage or review loans become proactive in minimizing loan losses. Dubbed "Street Law for the Commercial Lender," this one-day workshop focuses on the major legal concepts, specific requirements and common problems of commercial loan documentation, with a particular emphasis on avoiding loan losses due to faulty documentation that even cutting-edge documentation software cannot always effectively eliminate. Our philosophy is to develop hands-on instruction so that participants can return to their jobs and apply what they have learned. PROBLEM METHOD Throughout the program the problem method will be used to challenge the participants in important areas of loan documentation. The instructor will demonstrate the difficulty and challenges often times hidden in every day/routine lending transactions by posing problems to the participants based on real world situations faced by actual lenders who, unfortunately, documented the loan incorrectly resulting in costly legal challenges. The use of the problem method will involve the participants and challenge their ability to identify documentation errors and deficiencies common in commercial lending transactions. The workshop will illustrate how to: Perfect security interests under Article 9 of the UCC Identify the borrower and document the authority to borrow Understand contract basics, notes, security agreements, mortgages, pledges and other essential loan contracts Use commitment letters Understand the implications of loan default(s) Protect against tax liens and other conflicting encumbrances Understand bankruptcy implications Recognize and prevent violations of ECOA Participants will learn a step-by-step process to recognize problems and take action to prevent loan loss exposure from faulty documentation. ESSENTIALS OF ARTICLE 9 OF THE UNIFORM COMMERCIAL CODE Article 9 of the Uniform Commercial Code, adopted in all states, dictates how lenders perfect security interests in all collateral except real estate. Participants will learn how to interpret and apply the principles of this important body of law that governs all transactions intended to create a security interest in personal property and/or fixtures. This section will examine the most common problems encountered with UCC Article 9 and provide practical guidance in critical areas, including: Basic scope of Revised Article 9 Different perfection methods under the UCC Collateral classification & description under Article 9 Lien priorities and lien searches Perfecting security interests in deposit accounts Enforcing unperfected security interests The where to file rules are examined Gaining priority through purchase money Creating enforceable security interests in various transactions types of collateral REAL ESTATE MORTGAGES / DEEDS OF TRUST Participants will learn the basic requirements of securing loans with real estate examining such problems as perfection, future advance clauses and loan renewals. Participants will be exposed to proper due diligence procedures when a loan is secured by real estate including the use of title insurance, surveys and environmental audits. WORKSHOP MATERIAL Each participant will receive a workshop manual consisting of over 250 pages of reference material, including a user s guide to loan documentation, a sample forms file, comprehensive loan closing checklist, and key excerpts from Nebraska's version of Article 9 of the Uniform Commercial Code. During the session, participants will learn to use this comprehensive manual as a desk reference for dealing with the questions and problems that will be encountered on-thejob. About the Speaker: Lewis C. Laderer, Jr. is a partner in the law firm of Laderer & Fischer, P.C. in South Bend, Indiana. Laderer & Fischer focus their practice almost exclusively on the representation of commercial banks and other commercial lenders in the areas of banking law, commercial litigation, and bankruptcy. Program Outline: (all three days) 8:30 a.m. Registration/Continental Breakfast 9:00 a.m. General Session 12:00 p.m. Luncheon 1:00 p.m. General Session 4:00 p.m. Adjournment

21 Loan Doc II... Advanced Loan Documentation Prevention of loan losses through implementation of proper loan structuring and documentation techniques is the objective of this workshop. This follow-up workshop to Principles of Loan Documentation will focus on more complex and problematic lending transactions, including securing loans with real estate with special emphasis on title insurance and surveys, and understanding the special problems of floor-plan and construction financing. In addition, this workshop will address the provisions of revised Article 9 of the Uniform Commercial Code that deal with security interests in securities and other investment property, such as brokerage and trust accounts. FLOOR-PLAN FINANCING Part I of this workshop will address key issues related to floor-plan financing, including: the floating lien concept under Article 9; perfection of a purchase money security interest; understanding the interests and rights of the parties involved; key components and provisions of the floor plan loan agreement; cooperative efforts between and among competing floor-plan lenders; successful monitoring of the floor plan agreement to prevent sales out of trust; and the special problems associated with a floorplan borrower in default. SECURING LOANS WITH INVESTMENT PROPERTY UNDER REVISED ARTICLE 9 OF THE UNIFORM COMMERCIAL CODE This session of the workshop will review the scope and requirements of the revised Uniform Commercial Code dealing with perfecting security interests in stocks, bonds, mutual funds, investment accounts, and other investment property. Participants will learn the scope, provisions and definitions under Article 9 as well as key provisions from Article 8 of the UCC; the interaction of the revised Articles 8 and 9 of the Uniform Commercial Code and how to perfect and terminate security interests in certificated and un-certificated securities as well as investment accounts. CONSTRUCTION FINANCING Section III of the workshop addresses potential problem areas unique to construction financing and how to avoid them. Participants will learn how to collateralize and document a construction loan (including preparation of the construction loan agreement and commitment letter). In addition, this segment will examine the all-important subject of disbursement controls and limiting the risks posed by mechanic s liens. This section will also explore how the lender might increase its protection and reduce the administrative burdens of a construction loan by using a title insurance agent to handle disbursement of loan proceeds. REAL ESTATE SECURED LOANS The final portion of the program will deal with some of the unusual challenges related to loans secured by real estate. Participants will learn how to create and perfect a security interest in real estate using a mortgage or deed of trust. The program dissects a typical mortgage explaining its key provisions and their benefit to the mortgage lender. The primary emphasis in this section of the program is on title insurance and surveys, how to understand them and use them effectively to enhance the protection of the lender s security interest in real estate. Included will be a detailed discussion about the lender s title insurance policy, available endorsements which provide greater protection to the lender, understanding and obtaining deletion of the standard exceptions to coverage in title commitment letters, and the importance of real estate surveys and environmental due diligence to the lender taking real estate as collateral. WORKSHOP MATERIAL Each registrant will receive a comprehensive manual designed to be used as a daily reference tool for those involved in the lending process. The workshop manual will include detailed checklists, reference material, a course outline and important and useful contractual documents and provisions. Registration Information: Advance registration fee for these workshops includes all workshop materials, continental breakfast, break service & luncheon. The registration breakdown is as follows: Member Non-Member Loan Documentation I: Principles of Loan Documentation Workshop... $ $ Loan Documentation II: Advanced Loan Documentation Workshop... $ $ Loan Documentation III: Loan Documentation for the Ag-Lender Workshop... $ $ The deadline for registration and receiving refunds for cancelled registrations is November 8, Registrations received after that date will be an additional $25 per workshop/per banker and subject to space availability. Continued on reverse.

22 Loan Doc III... Loan Documentation for the Ag-Lender This program should be attended by people involved in the agricultural lending process in lieu of the Principles of Loan Documentation Workshop. Poor loan documentation can cost your financial institution thousands of dollars each year. Unfortunately, the importance of effective loan documentation is most apparent when it is already too late. Dubbed "Street Law for the Agricultural Lender," this workshop focuses on the major legal concepts, specific requirements and common problems in the specialized field of agricultural loan documentation with particular emphasis on avoiding loan losses due to faulty documentation. Our hands-on approach allows you to return to work and apply what you have learned. This workshop should be taken by people involved in the agricultural lending process in lieu of the Principles of Loan Documentation Workshop. PROBLEM METHOD Throughout the program the problem method will be used to challenge the participants in important areas of agricultural loan documentation. The instructor will demonstrate the difficulty and challenges often times hidden in every day/routine agricultural lending transactions by posing problems to the participants based on real world situations faced by actual lenders who, unfortunately, documented the loan incorrectly resulting in costly legal challenges. The use of the problem method will involve the participants and challenge their ability to identify documentation errors and deficiencies common in agricultural lending transactions. IDENTIFYING THE BORROWER Lending to family farming operations has unusual challenges. The program deals with ways to flush out the interests that spouses and children might have in the family farming operation. It examines who should be the borrower and who should sign security agreements. REAL ESTATE MORTGAGES/DEEDS OF TRUST Participants will learn the basic requirements of securing loans with real estate examining such problems as perfection, future advance clauses and loan renewals. Participants will be exposed to proper due diligence procedures when a loan is secured by real estate including the use of title insurance, surveys and environmental audits. ESSENTIALS OF ARTICLE 9 OF THE UNIFORM COMMERCIAL CODE Article 9 of the Uniform Commercial Code, enacted into law in all states, dictates how lenders perfect security interests in all collateral except real estate. Over the years, major changes have occurred in the area of agricultural security interests. This workshop examines the current version of Article 9 in effect in Nebraska, including the 2010 Amendments that became effective on July 1, Emphasis will be placed on collateral description and perfection, where to file for all types of collateral, dealing with non-article 9 agricultural liens adopted in Nebraska (and neighboring states) and how they impact the Article 9 agricultural lender. Those attending will also learn to identify when purchase money security interests are important, and how to use them to gain a first position over a prior UCC filer for equipment, inventory, livestock, and fixture collateral. Participants will learn how to interpret and apply the principles of this most important body of law which governs all transactions intended to create a security interest in personal property (including crops and livestock) and/or fixtures. Special emphasis will be placed on perfecting security interests in both tangible (e.g., crops and livestock) as well as intangible (e.g., USDA entitlement payments) agricultural. SAMPLE LOAN DOCUMENTS Each registrant will receive a comprehensive Ag-Lending Loan Documentation Manual including key statutory references, a comprehensive workshop outline, sample ag-lending loan documents as well as other information important to the ag-lender. WHO SHOULD ATTEND This workshop is appropriate for anyone involved in the agricultural lending process including CEOs, loan officers, credit analysts, bank counsel, branch managers with lending authority, loan review personnel, internal auditors and documentation support staff. It is structured similarly to the Principles of Loan Documentation program with special emphasis on the challenges facing the ag-lender. This program should be attended by people involved in the agricultural lending process in lieu of the Principles of Loan Documentation Program. Please feel free to dress casually. To ensure your comfort, please bring a light jacket or sweater to the program. Notice: 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. Event Location: Holiday Inn - Kearney 110 S 2 nd Ave, Kearney, NE (308) P.O. Box South 13th Street, Suite 700 Lincoln, Nebraska Phone: (402) Education Center Fax: (402) /26/18

23 2018 Loan Documentation Workshops Holiday Inn - Kearney November 13, 14, 15, /26/18 Financial Institution: Bank / Branch Address: City/Town: Zip: Phone# ( ) Please register the following individual(s): Last 4 Digits of FIRST NAME MI LAST NAME Social Security # Nov 13 Loan Doc I Holiday Inn - Kearney Nov 14 Loan Doc II Nov 15 Loan Doc III Please indicate which of the following workshop(s) you plan on attending under the appropriate date(s) and workshop number(s): Member Non-Member Loan Documentation I: Principles of Loan Documentation Workshop... $ $ Loan Documentation II: Advanced Loan Documentation Workshop... $ $ Loan Documentation III: Loan Documentation for the Ag-Lender Workshop... $ $ Four Ways to Register: Registrations after 11/08/18 will receive an additional late fee charge of $25.00 per workshop. ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING! 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: 2018 Loan Documentation Workshops Holiday Inn - Kearney November 13, 14, 15, /26/18 Financial Institution: Bank / Branch Address: City/Town: Zip: Phone# ( ) Please register the following individual(s): Last 4 Digits of FIRST NAME MI LAST NAME Social Security # Nov 13 Loan Doc I Holiday Inn - Kearney Nov 14 Loan Doc II Nov 15 Loan Doc III Please indicate which of the following workshop(s) you plan on attending under the appropriate date(s) and workshop number(s): Member Non-Member Loan Documentation I: Principles of Loan Documentation Workshop... $ $ Loan Documentation II: Advanced Loan Documentation Workshop... $ $ Loan Documentation III: Loan Documentation for the Ag-Lender Workshop... $ $ Four Ways to Register: Registrations after 11/08/18 will receive an additional late fee charge of $25.00 per workshop. ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING! 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:

24 September 28, 2018 Vol. XXXV, No. 22 FEDERAL DEPOSIT INSURANCE ACT SECTION 19 STATEMENT OF POLICY I. INTRODUCTION The FDIC has issued an updated Statement of Policy (SOP) pursuant to Section 19 of the Federal Deposit Insurance Act (FDI Act) concerning participation in banking of a person convicted of a crime of dishonesty, breach of trust, money laundering or who has entered a pretrial diversion program in connection with the prosecution of such offenses. In addition to technical and clarifying changes, the final SOP expands the criteria of de minimis offenses for which the FDIC will not require the filing of an application, and (i) clarifies when an expungement is considered complete for Section 19 purposes; (ii) clearly recognizes that convictions set aside based on procedural or substantive error should not be considered convictions under Section 19; and (iii) adjusts the definition of jail time to not include those on probation or parole who may be restricted to a particular jurisdiction. II. STANDARDS FOR DETERMINING WHETHER AN APPLICATION IS REQUIRED A. Convictions Expungements The SOP has been revised to address the interpretation of what is a complete expungement. Historically, it has been the FDIC s position that unless the expungement is complete, a Section 19 application would be required. The FDIC has amended the SOP to clarify when an expungement is considered complete for Section 19 purposes by providing: If an order of expungement has been issued in regard to a conviction or program entry and is intended by the language in the order itself, or in the legislative provisions under which the order was issued, to be a complete expungement, then the jurisdiction, either in the order or the underlying legislative provisions, cannot allow the conviction or program entry to be used for any subsequent purpose including, but not limited to, an evaluation of a person s fitness or character. The failure to destroy or seal the records will not prevent the expungement from being considered complete for the purposes of Section 19 in such a case.

25 In addition, the SOP now clearly recognizes that in cases in which there has been a procedural or substantive error that results in the conviction being set aside, the FDIC will not consider such convictions as a conviction of record for Section 19 purposes. B. De minimis Offenses The SOP revisions amend the definition of jail time to include the confinement to a specific facility or building on a continuous basis The definition is not intended to include those on probation or parole who may be restricted to a particular jurisdiction, or who must report occasionally to an individual or to a specified location. 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. 2

26 September 28, 2018 Vol. XXXV, No. 23 WEBSITE CONTENT ACCESSIBILITY GUIDELINES: WCAG 2.1 World Wide Web Consortium (W3C), a company that develops protocols and guidelines to assist web developers in creating accessible websites content for disabled users has recently released an updated version of their Web Content Accessibility Guidelines (WCAG), titled WCAG 2.1. WCAG 2.1 is an extension of WCAG 2.0 and does not supersede WCAG 2.0. As a result, content compliant with WCAG 2.1 will be compliant with WCAG 2.0. WCAG 2.0 has been widely accepted within the banking industry as the standard for making web content more accessible for disabled users. The Department of Justice (DOJ) has consistently required companies to meet the WCAG 2.0 standard in website accessibility settlement agreements and consent orders. While the DOJ has not officially adopted WCAG 2.0 through formal rulemaking, courts have increased their application of the standard in issuing judgments. While website accessibility demand letters and lawsuits have not been seen with great frequency in Nebraska, lawsuits in this area have been increasing dramatically across the country. Banks that have implemented WCAG 2.0 should consider incorporating the new WCAG 2.1 standard, if possible. 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.

27 Banks & Bankers (September 26-October 2) Bankers in the News Alex Keithley, Judy Ivey, Sherri Strecker, Gerald Hopp and Carla Rhodd, all of F&M Bank (Falls City), volunteered to clean the community arboretum in August. Their effort is part of the bank s hometown spirit initiative; for the past three years, bank employees have volunteered at different places in the community during the summer months. In fact, the bank welcomes groups to contact them with any assistance they may need and are willing to set up a time to help. Kert McKeone, Western Nebraska Bank (North Platte), has been inducted into the Hastings College Athletic Hall of Fame as both an individual and as a member of the 1977 basketball team. McKeone Mark Simonson, Security First Bank (Beatrice), has been recognized as Beatrice s business person/young professional of the year, a Best of Beatrice award given by the Beatrice Chamber of Commerce. Simonson Banks in the News BankFirst (Norfolk) and Iowa-Nebraska State Bank (Sioux City) have entered into an agreement to merge. The merger is currently subject to regulatory approval but has been approved by both banks boards of directors. Finalization is expected by the end of Cedar Security Bank (all branches; Wynot, Fordyce, and Hartington), along with the Wynot American Legion Post 31, donated an American flag and a flag pole for the Wynot sports field. Cornerstone Bank and Henderson State Bank (both of Henderson) sponsored the Henderson Health Care Foundation s ninth annual golf tournament. Cornhusker Bank (Lincoln) at 8310 O St. is scheduled to host a film twin feature on Nov. 8 as part of The Osher Lifelong Learning Institute at the University of Nebraska-Lincoln (OLLI at UNL) Movies That Matter Film Festival. OLLI at UNL holds this series, which is free to the public, annually and uses the power of documentary films to bring greater understanding of the cultural, social, and socioeconomic issues of our time. Extraordinary Service for Extraordinary Members NBA Update

28 Banks & Bankers (September 26-October 2) Farmers & Merchants Bank, Five Points Bank, Great Western Bank, and U.S. Bank, N.A. (all of Kearney) have been sponsors for Golden K Kiwanis fundraising campaign for the past year. The group raises money for projects to help local children as well as provide scholarships for seniors at area high schools. First National Bank (Norfolk) and the Norfolk Daily News were the two community leaders who honored three new Norfolk Area Business Hall of Fame inductees as well as the 2018 Emerging Business award. First National Bank (North Platte) is scheduled to host its 24 th consecutive chili cook-off to help kick off the Mid-Plains United Way s campaign. Five Points Bank (Grand Island) has put plans into place to construct a new public park in town at the corner of West Stolley Park Rd. and Brentwood Blvd. The project is to honor the bank s founders, William W. Marshall Jr. and William W. Marshall III, and their families. The bank s foundation is also donating a bronze sculpture to the park. Frontier Bank (Falls City) is a sponsor for the Brownville Concert Series. Madison County Bank (Madison) donated $1,000 to Boone County Area Foundation to benefit several local charities. MNB Bank (McCook) participated in an Unexpected Life Events seminar on Oct. 2; two personal bankers spoke about financial planning for these types of events. NebraskaLand National Bank (North Platte) has begun their NebraskaLand University six-course financial literacy program designed to educate high school students on budgeting, savings, credit, loans, career development, identity theft protection, and more. Thirty-five high school seniors were accepted into the program this year and they must complete all six sessions to graduate and receive a $250 scholarship. Larger scholarships are given to the three students with the highest assessment scores. In addition, the bank is also the corporate sponsor for the annual Sheldon Museum of Art statewide exhibition. Union Bank & Trust Co. (Crete) has donated $20,000 toward a meeting room at the new Crete City Library. U.S. Bank, N.A. (Omaha) has given $20,000 toward The Durham Museum's newest exhibit, an interactive makerspace based on science, technology, engineering, art, and math, with the goal to foster creativity in kids. Western States Bank (Scottsbluff) is a sponsor for the 2018 Regional West Foundation s annual gala, Autumn Excellence, scheduled for Oct. 12. Proceeds go toward breast cancer screening equipment. Extraordinary Service for Extraordinary Members NBA Update

29 Banks & Bankers (September 26-October 2) Promotions & Appointments OMAHA: Janet Melchior-Kopp, vice president/trust administration manager, wealth management division, Security National Bank of Omaha. 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 news@nebankers.org to be published in an upcoming Banks & Bankers and/or featured on social media. // Extraordinary Service for Extraordinary Members NBA Update