ANNUALCONFERENCE& DIRECTORS FORUM

2020

Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch

February 29 – March 4, 2020

Facing the Future Together

Facing the Future Together

Gayle AppelbaumPartnerMcLagan

James BeckwithPresident & CEOFive Star Bank

George Dean CallasChief Revenue Officer & National Sales DirectorInvictus Group

Russ ColomboPresident & CEOBank of Marin

Allan HemphillDirector/ChairmanSummit State Bank

John JelavichPresident & CEORiver Valley Community Bank

Pete JohnsonPresident & CEOOpportunity Bank of Montana

Dave JovesSVP & California Regional ManagerBank of Guam

Joe KileyCEOFirst Financial Northwest Bank

Bryan LukePresident & COOHawaii National Bank

Steve MillerPresident & CEOFresno First Bank

Jo NavarettaChairman of the Board of DirectorsHorizon Community Bank

ADVISORY COMMITTEE

WBA is passionate about supporting bank leaders through the exciting and often challenging developments impacting the industry. The 2020 Annual Conference & Directors Forum is designed to meet that objective head-on by providing a premier educational experience and by facilitating meaningful networking opportunities.

Mark PackardPresidentCentral Bank

Jim SchlotfeldtPresident & CEOFirst Federal Savings & Loan Assn. of McMinnville

Janet SilveriaPresident & CEOCommunity Bank of Santa Monica

This year’s theme, “Facing the Future Together,” focuses on developing strategic confidence during disruption, leveraging strengths, and the significance of support as banks continue to meet objectives in a climate of change.

This year, attendees can look forward to hearing from regulators, nationally recognized speakers and subject matter experts on today’s hottest topics. Framed against the majestic McDowell Mountains, connect with peers and experience the luxury amenities that define this destination resort.

Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch

February 29 – March 4, 2020ANNUALCONFERENCE& DIRECTORS FORUM

2020

CEOsPresidentsChairmenDirectorsEVPs & SVPsCOOsManaging Directors

WHO SHOULD ATTEND

KEYNOTE SPEAKERS

Dr. Peter Rupert is the professor of economics at the University of California, Santa Barbara, and executive director of the UCSB Economic Forecast Project, a research unit providing economic data, analysis, and forecasts to the community. Dr. Rupert came to Santa Barbara from the Federal Reserve Bank of Cleveland, where he had been a senior economic adviser for 13 years. His areas of specialization include macroeconomics, monetary economics, labor, and family economics. Dr. Rupert frequently consults with central banks and is an invited speaker at economic conferences at universities and organizations around the world.

Lee Wetherington, AAP, is director of strategic insight for Jack Henry & Associates, Inc. where he directs the development of actionable insight and strategy for the financial services industry at large. To this end, he creates programs, presentations, and articles designed to orient and educate financial executives on the trends and implications of new technologies. Lee routinely delivers keynotes nationwide focusing upon opportunities and challenges in fintech, payments, and the online/mobile/social channels, and he is widely renowned for his unique style of comedic delivery.

In this inspiring keynote, John O’ Leary shares his story of survival after having 100% of his body burned in a household fire. Given less than one percent chance of survival, John is proof of the power of the human spirit. Experience John’s gift of combining emotional storytelling with unexpected humor, as he reminds audiences of the significance of daily attitudes, the power of gratitude, and the impact of serving others with courage. He reawakens audiences to realize the gift of today and the possibility of tomorrow and how to tie this into your organization’s succession plan.

Rob Nichols is the president and CEO of the American Bankers Association, which represents banks of all sizes and charters and is the voice for the nation’s $18 trillion banking industry. Rob joined ABA in August 2015 following ten years at the helm of the Financial Services Forum, a non-partisan financial and economic policy organization. Before joining the Forum, he 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. Rob is a recipient of the Alexander Hamilton Award, the highest honor of the U.S. Department of the Treasury.

Mike Abrashoff is at the center of one of the most remarkable modern-day stories of organizational transformation. At 36, he was selected to be Commander of USS Benfold and was the most junior commanding officer in the Pacific fleet. The challenges of this underachieving destroyer were staggering, with low morale and the highest turnover rate in the Navy. Twelve months later, it was ranked number one in performance while using the same crew. How did Mike do it? By replacing command and control leadership with commitment and cohesion. The lesson was clear: Leadership matters, and culture is everything.

DR. PETER RUPERTProfessor of Economics

UC Santa Barbara

JOHN O’ LEARY Inspirational Speaker

& Author

ROB NICHOLS (invited) President & CEO

American Bankers Association

LEE WETHERINGTONDirector of Strategic Insight

Jack Henry & Associates, Inc.

MIKE ABRASHOFFNaval Commander, Ret.,

Leadership & Teamwork Expert

Economic Update

On Fire: Choices to Ignite a Radically Inspired Life

A Washington Perspective

Better Than Before: How to Make Digital Banking More Personal & Meaningful Than Banking in the Branch… By Using Your People in the Branch

It’s Your Ship

Regulatory Panel

Banking Cannabis with Eyes Wide Open

Tracy Basinger is executive vice president and head of Financial Institution Supervision and Credit (FISC) at the Federal Reserve

Bank of San Francisco. Tracy oversees the bank supervision and regulation function for bank holding companies, state member banks, and foreign banking organizations throughout the Twelfth Federal Reserve District.

Chris Cook is the chief compliance officer and co-founder of StandardC. Chris has

over 25 years of banking experience. Chris has more than 25 years of banking experience and more than 30 years of diversified experience, including Big 4 accounting, executive management, finance, SEC reporting, and more. She is also a CPA and currently a partner with FLG Partners, providing CFO services.

Teveia Barnes brings more than 40 years’ experience delivering financial, legal and regulatory services and results for fostering growth

and success of banks, financial institutions, small businesses, governmental entities and non-profit organizations across California. Teveia now serves as the independent director on the board of StandardC providing a unified banking and data solution in high risk industries.

Kathy Moe serves as the regional director for the San Francisco region of the FDIC. Kathy is a 32-year

veteran with the FDIC where she has launched several special projects and led the region in strengthening and preserving minority depository institutions. The region she serves supervises some of the largest and most complex financial institutions in the country.

Richard Laiderman is the executive chair and co-founder of StandardC. Richard served as the head of global treasury at

Visa Inc., where he served from the IPO until 2015. During his 13 years at Bank of America, Richard served as executive vice president of Corporate Treasury and currently serves as a director for Toyota Financial Savings Bank.

Kay Kowitt is the deputy comptroller for the Western District of the Office of the Comptroller of

the Currency. Prior to this position, Kay worked in Washington, D.C., serving as the senior advisor to the senior deputy comptroller for mid-size/community bank supervision. She has been with the OCC for 39 years and has also served as a field manager and problem bank analyst.

Erin Gore is CEO and founder of Garden Society, a California-based licensed cannabis-focused benefit corporation. Garden

Society was born out of her desire to achieve alternative healing after experiencing sports injuries. Prior the Garden Society, Erin gained a solid foundation in leadership, development, and achieving exceptional financial results with the time she served at Henkel Corporation managing million dollar global adhesive business.

KATHY MOERegional DirectorSan Francisco Region Federal Deposit Insurance Corporation

RICHARD LAIDERMANCo-Founder & Board ChairStandardC

KAY KOWITTDeputy ComptrollerWestern District Office of the Comptroller of the Currency

ERIN GORECEO & FounderGarden Society

TRACY BASINGEREVP, Financial Institution Supervision and Credit Federal Reserve Bank of San Francisco

CHRIS COOKChief Compliance Officer & Co-FounderStandardC

TEVEIA BARNESIndependent DirectorStandardC

The WBA is a focused organization and through its leaders demonstrates a commitment to work with banks with a sincere perspective on helping them stay current on and address any issues they may face.”

— GEORGE DEAN CALLASChief Revenue Officer, Senior Executive PartnerInvictus Group

Keynote Speakers continued …

7:00 AM – 3:00 PM

7:00 AM – 1:00 PM

3:00 PM – 5:00 PM

Registration Open

Golf Tournament7:00 AM – 8:00 AM: Continental breakfast at Course8:00 AM: Shotgun start

One-on-One Meetings with Regulators (by mobile app appointment only)

Spring Training Baseball Game at Salt River Field: Rockies vs. Dodgers(Please pick up your ticket at the Registration Desk prior to 1:00 PM. Transportation is on own.)

Registration Open

SATURDAY • FEBRUARY 29, 2020

FRIDAY • FEBRUARY 28, 2020

8:00 AM – 3:30 PM

8:00 AM – 9:00 AM

10:30 AM – 1:15 PM

10:30 AM – 11:00 AM

Registration Open

One-on-One Meetings with Regulators (by mobile app appointment only)

Welcome & Opening Keynote:It’s Your Ship

Mark Abrashoff, Naval Commander, Ret., Leadership & Teamwork Expert

Marketplace Open

Refreshment Break

Learning Session #1:Capital Planning: Much More Than an Adequacy Exercise

Gary Svec, CPAPerformance Trust Capital Partners, LLC

One-on-One Meetings with Regulators (by mobile app appointment only)

Lunch

Economic UpdateDr. Peter Rupert, Professor of EconomicsUniversity of California, Santa Barbara

One-on-One Meetings with Regulators (by mobile app appointment only)

Peer Exchange Session (bankers only)

Welcome Reception

SUNDAY • MARCH 1, 2020

LEARNING SESSIONS 11:00 AM – 12:00 PM

11:30 AM – 1:00 PM

2:00 PM – 2:30 PM

2:30 PM – 3:45 PM

4:00 PM – 5:30 PM

GENERAL SESSION 1:15 PM – 2:30 PM

GENERAL SESSION 9:00 AM – 10:30 AM

Learning Session #2:Technology’s Role in Growing the Community Bank of the Future

George Leis (invited)President • Montecito Bank & Trust

Learning Session #3:A Great Place to Work: At the Intersection of Communication, Culture, Leadership, and Talent

Eric Swenson, Managing DirectorRSJ/Swenson LLC

9:00 AM – 2:00 PM

1:00 PM – 5:00 PM

12:00 PM – 1:15 PM

SCHEDULE AT-A-GLANCE

Schedule-At-A-Glance continued on next page…

For detailed session descriptions, please visit: westernbankers.com/AC20

7:00 AM – 3:30 PM

7:30 AM – 3:30 PM

7:30 AM – 8:30 AM

Registration Open

Marketplace Open

Breakfast

Regulatory PanelTracy Basiner, EVP, Financial Institution Supervision and Credit • Federal Reserve Bank of San FranciscoKay Kowitt, Deputy Comptroller • Western District Office of the Comptroller of the CurrencyKathy Moe, Regional Director • Federal Deposit Insurance Corporation

Refreshment Break

Learning Session #1:Scenario Planning, M&A, & Strategic Options: The New Defensive Playbook

Speaker TBDInvictus Group

A Taste of Old Town Scottsdale(Optional activity with additional fee)

Banking Cannabis with Eyes Wide OpenPanel

Teveia Barnes, Former Commissioner of the California Department of Business OversightChris Cook, Chief Compliance Officer & Co-Founder • StandardCErin Gore, CEO & Founder • Garden SocietyRichard Laiderman, Co-Founder & Board Chair • StandardC

Lunch

Learning Session #1:Incident Response Panel

Sean Hoar, Partner & ChairLewis Brisbois Bisgaard & Smith LLPPeter Marchel, Esq.Marchel & Associates Risk ConsultingCasey Boggs, PresidentReputationUs

Dedicated Marketplace Time

Midsized Bank Council Meeting Community Bank Council Meeting

Evening Open for Vendor Dinners

MONDAY • MARCH 2, 2020

GENERAL SESSION 8:30 AM – 9:30 AM

LEARNING SESSIONS 10:00 AM – 11:00 AM

10:30 AM – 3:30 PM

12:15 PM – 1:30 PM

GENERAL SESSION 11:10 AM – 12:15 AM

LEARNING SESSIONS 1:30 PM – 2:30 PM

Learning Session #2:Upside Down Thinking on Efficiency: ChangingPriorities to Drive Results

David Furnace, CEOHaberfeld Associates

Learning Session #2:Coming Soon...

Learning Session #3:Why You Should Audit Your Culture and How to Get Started

Meredith Piotti, Principal, Internal Audit Service • Wolf & Co.

Learning Session #3:Recent Developments in Bank Corporate Governance

Shawn Turner, PartnerHolland & Knight

2:30 PM – 3:30 PM

3:30 PM – 4:45 PM

9:30 AM – 10:00 AM

Schedule-At-A-Glance continued … For detailed session descriptions, please visit: westernbankers.com/AC20

Schedule-At-A-Glance continued on next page…

7:00 AM – 4:00 PM

7:30 AM – 1:30 PM

7:30 AM – 8:30 AM

Registration Open

Marketplace Open

Breakfast

A Washington PerspectiveRob Nichols (invited), President & CEOAmerican Bankers Association

Refreshment Break

Peer Exchange Session (bankers only)

Learning Session #1:The Battle for Deposits: Firepower Through Data and Digital

David CatalanoSVP, Business Development ManagerBaker HillTim KeithChief Marketing Strategist, Analytics & MarketingBaker Hill

Lunch & Exhibitor Prize Drawings

Guest Activity: Art of Merlot & Wine Painting

Better Than Before: How to Make Digital Banking More Personal & Meaningful Than Banking in the Branch…By Using Your People in the Branch

Lee Wetherington, Director of Strategic InsightJack Henry & Associates, Inc.

Refreshment Break

Closing Keynote:On Fire: Choices to Ignite a Radically Inspired Life

John O’Leary, Inspirational Speaker & Author

Farewell Reception & Dinner

TUESDAY • MARCH 3, 2020

9:30 AM – 10:00 AM

10:00 AM – 11:00 AM

LEARNING SESSIONS 11:10 AM – 12:15 PM

GENERAL SESSION 8:30 AM – 9:30 AM

GENERAL SESSION 1:30 PM – 2:30 PM

12:15 PM – 1:30 PM

1:00 PM – 3:30 PM

2:30 PM – 2:45 PM

2:45 PM – 4:00 PM

5:00 PM – 8:00 PM

Learning Session #2:Streamlined ALCO: Best Practices for Allocating Time & Resources

Brian Heim, Principal MemberIRR-analytics, LLC

Learning Session #3:Planning for Succession: Creating a Robust Pipeline for Organizational Success

Kathy Baron, VPPearl Meyer

10:00 AM – 3:00 PM Salt River Float Trip(Optional activity with additional fee)

WEDNESDAY • MARCH 4, 2020

Schedule-At-A-Glance continued … For detailed session descriptions, please visit: westernbankers.com/AC20

Guest Program includes:

Monday, March 2: Breakfast & Lunch

Sunday, March 1: LunchWelcome Reception

Tuesday, March 3: Breakfast & LunchWine & Painting Activity Farewell Reception & Dinner

GOLF TOURNAMENT Saturday, February 29, 2020 • 7:00 AM – 1:00 PM

The WBA Annual Golf Tournament will be held at the Gainey Ranch Golf Club. Play one of the top-rated golf courses in the country at this stunning resort on desert terrain. Select from two tournaments: Scramble or Play-Your-Own-Ball. Shotgun start is at 8:00 AM.

Cost: $299 + rentals through the resort golf concierge. Includes: Continental breakfast, boxed lunch, and two beverages

A TASTE OF OLD TOWN SCOTTSDALE Monday, March 2, 2020 • 10:30 AM – 3:30 PM

Calling all foodies! Join WBA on a food and beverage adventure with a twist. This tour will provide historical insights of downtown Scottsdale where you can enjoy a variety of signature menu items while you tour multiple routes in this historic district. This guided tour welcomes all ages.

This tour includes round trip transportation, a guided tour of old town Scottsdale, and food and beverage tastings at three locations. Cost: $165

SPRING TRAINING BASEBALL GAME, ROCKIES VS. DODGERS Saturday, February 29, 2020 • 1:00 PM – 5:00 PM

WBA has secured the Cantina at Salt River Fields for an all-inclusive baseball experience. Join fellow baseball enthusiasts for an Arizona tradition that dates back to 1947. All registered attendees will receive an email invitation with an RSVP link that will be sent within one week of registering for the conference. Space is available on a first-come, first-served basis. Complimentary food and drinks will be provided while also supporting a great cause. Please arrange your own transportation.

OPTIONAL ACTIVITIES

ART OF MERLOT & WINE PAINTINGTuesday, March 3, 2020 • 1:00 PM – 3:30 PM

Create your own masterpiece in an art class led by a professional artist. Paint your work of art while you enjoy delicious wine in this relaxed and fun atmosphere that artists of any experience level can enjoy. This event will be held on property.

(Included in Guest Pass) À la carte ticket price: $40

SALT RIVER FLOAT TRIPWednesday, March 4, 2020 • 10:00 AM – 3:00 PM

Float down the beautiful Salt River on a guided rafting trip and discover a scenic and picturesque desert oasis. This relaxed floating trip is for rafting enthusiasts of all levels. Each trip is led by a professional guide.

This trip includes round trip transportation and lunch. Cost: $185

HYATT REGENCY SCOTTSDALE RESORT & SPA AT GAINEY RANCH7500 E. Doubletree Ranch RoadScottsdale, Arizona, 85258

Set amidst flowering cactus and framed against the majestic McDowell Mountains lies a resort of stunning beauty, the Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch. From your private balcony or patio, look out to breathtaking sunsets or magnificent golf course views.

RESERVATIONSReserve your room online at:www.hyatt.com/en-US/group-booking/SCOTT/G-WEIB

Or call Hyatt Regency at (800) 233–1234. Please mention the Western Bankers Association while booking your room in order to receive the discounted rate.

RATESThe WBA negotiated room rate starts at $399/night single or double occupancy, plus taxes and fees. All rates are based on single/double occupancy and are exclusive of tax, which is currently at 13.92%. An earlier departure or later stay may be subject to an increased room rate. Please book your room before the hotel room rate expires on Friday, January 24, 2020.

REGISTRATION PRICING & DETAILS

Registration Fees ThroughFebruary 7

AfterFebruary 7

WBA Bank Member $1,195 $1,395

Bank Non-member $1,995

WBA Associate Member

$5,000

WBA Season Pass Holder

$1,195 (or complimentary with use of a Season Pass)

Guest Fee $600

SPONSORSHIP OPPORTUNITIESPlease contact Rosemary Mignano at (916) 438–4435 or rmignano@westernbankers.com to obtain pricing and a complete list of available sponsorships for this event. Visit westernbankers.com/AC20 for additional sponsorship information.

HOW TO REGISTERRegister online at westernbankers.com/AC20 or complete and mail the registration form on the right with payment to:

Western Bankers Association Attn: Accounting Dept – A/R 1303 J Street, Suite 600 Sacramento, CA 95814

CANCELLATION POLICYRegistration fees less a $75 processing fee per registrant will be refunded if cancellation is received by Friday, February 14, 2020. No refund if cancellations are received after February 14. Cancellations for optional activities must be made by Friday, January 31 in order to receive a refund.

westernbankers.com/AC20REGISTER TODAY

HOTEL & TRAVEL

STAFF CONTACTSFor more information about the 2020 Annual Conference & Directors Forum, please contact:

Erin Ravenscraft Membership Relations Manager (916) 438–4430 eravenscraft@westernbankers.com

Jennifer Benson Vice President, Conferences (916) 438–4416 jbenson@westernbankers.com

Registration Form

Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch • Scottsdale, AZFebruary 29 – March 4, 2020

2020 ANNUAL CONFERENCE & DIRECTORS FORUM

CONTACT INFORMATION EMERGENCY CONTACT

Mailing Address

Name Badge Name

Title Company

Phone Email

Emergency Contact Mobile Phone

City State Zip Code

Name of Emergency Contact

In the unlikely event of an emergency, please provide contact information for our files:

FEE SUMMARY

Early bird special: $1,195 (Through February 7)

Regular pricing: $1,395 (After February 7)

2020 WBA Bank Member Bank Non-Member: $1,995

WBA Associate Member: $5,000

$1,195

WBA Season Pass Holder

Ways to Register Western Bankers Association

Attn: Accounting Dept. – A/R1303 J Street, Suite 600Sacramento, CA 95814

Or MAIL this form with a check to:Register ONLINE and pay via credit card

at westernbankers.com/AC20.

For group reservations or login assistance, please contact Erin Ravenscraft at eravenscraft@westernbankers.com or call (916) 438–4430.

Optional Event Tickets continued on next page

Golf Tournament: $2997:00 AM – 1:00 PM

Welcome Reception: $150(À la carte ticket) Ticket included for registrants4:00 PM – 5:30 PM

A Taste of Old Town Scottsdale: $16510:30 AM – 3:30 PMIncludes round trip transportation, guided tour of Old Town Scottsdale, food & beverage tastings at (3) locations.

Saturday, February 29, 2020

Monday, March 2, 2020Sunday, March 1, 2020

Includes continental breakfast, boxed lunch, and two beverages. For rentals, call the resort golf concierge at (480) 444–1234.

Please select a format:

Optional Event Tickets for Registrants & Guests

Play Your Own Ball Scramble Handicap:

Use Season Pass

Farewell Reception: $250(À la carte ticket) Ticket included for registrants5:00 PM – 8:00 PM

Salt River Float Trip: $18510:00 AM – 3:00 PMIncludes round trip transportation and a boxed lunch

Optional Event Tickets for Registrants & Guests (continued)

Payment Information

Art of Merlot — Wine & Painting: $40(À la carte ticket) 1:00 PM – 3:30 PMIncluded in Guest Pass

Additional Guest Pass Fee: $600 The guest program includes the following:

Sunday, March 1: Lunch, Welcome Reception

Name of Guest

(A guest cannot be an industry-related professional)

Tuesday, March 3, 2020

Wednesday, March 4, 2020

Monday, March 2: Breakfast, Lunch

FOR WBA USE ONLY

Check: Corp / Personal By

Batch #

CK # AMT

Date Dep

Date Iss

Invoice #

Contact #

Date By

CANCELLATION POLICYRegistration fees less a $75 processing fee per registrant will be refunded if cancellation is received by Friday, February 14, 2020. No refund if cancellations are received after February 14. Cancellations for optional activities must be made by Friday, January 31 in order to receive a refund.

A check payable to Western Bankers Association is enclosed. Please mail along with this form to:Western Bankers AssociationAttn: Accounting Dept. – A/R1303 J Street, Suite 600Sacramento, CA 95814

REGISTRATION QUESTIONS? Contact Erin Ravenscraft at (916) 438–4430 or eravenscraft@westernbankers.com.

Alternatively, you can register online and pay via credit card at westernbankers.com/AC20. For group reservations or login assistance, please contact Erin Ravenscraft at eravenscraft@westernbankers.com or call (916) 438–4430.

2020 Annual Conference & Directors Forum registration form continued...

Tuesday, March 3: Breakfast, Lunch, Wine & Painting Activity, Farewell Reception & Dinner

Western Bankers Association1303 J StreetSuite 600Sacramento, CA 95814Return Service Requested

PresortedFirst Class Mail

U.S. PostagePAID

Permit #1935Sacramento, CA

2020 Annual Conference & Directors Forumwesternbankers.com/AC20

REGISTER TODAY