Dear Community Banker:

WHAT MAKES THE DIFFERENCE?Have you wondered what makes some community bankers more successful thanothers? Is it native intelligence, talent or dedication? Is it that one person seekssuccess and the other doesn't? I believe the difference lies in what each personknows and how he or she makes use of that knowledge.

That is why I am writing to you about The Community Bankers School. The pur-pose of this school is to impart knowledge participants can use every day in commu-nity banking. The Community Bankers School (CBS) is available to communitybankers nationwide, making it The School for community bankers in the country.In addition, CBS is sponsored by ten state community-banking associations.

A SCHOOL UNLIKE ANY OTHERYou see, CBS is unique. A subcommittee annually evaluates faculty, curriculumand student comments to enhance the value of CBS. Each year, the faculty hasbeen improved and the curriculum updated to include timely topics and the latestlearning techniques. CBS is conducted in the state-of-the-art facilities of IllinoisWesleyan University.

KNOWLEDGE IS THE DIFFERENCEIn looking at the alumni list, I see that more than 1,000 people have graduatedfrom this school during the last 30 years. More than 90 percent of attendees eachyear have evaluated it as “excellent” or “very good.” The vast majority of graduateshave been promoted or taken on new responsibilities at their banks. More than 40individuals are now bank presidents and 15 are outside directors — a track recordthat proves knowledge makes the difference.

MY PERSONAL GUARANTEEPlease put my statement to the test by enrolling one of your associates in Class Iof the Community Bankers School. I guarantee that this individual will return to

the bank more motivated and better equipped to contribute to theoverall success of your community bank. Should CBS not measure upto your expectations, you may contact me within two weeks of the stu-dent's return and the full tuition will be refunded to your bank!

AN INVESTMENT IN SUCCESSEnroll a candidate now! It's a no-risk investment in your communitybank's success.

Sincerely,

Melinda McClelland, Administrator,The Community Bankers School and VP of Education & Special Events,Community Bankers Association of Illinois

“I throughly enjoyed myweek at The CommunityBankers School. The dayswere long, but we learnedso much information. Itwas extremely beneficial.”

Tyler Ochs, AVPThe Peoples State Bank, Newton

The Community Bankers School

The Community Bankers School is an intensive programdesigned for today’s community bank professional. Here iswhat students gain:

• background and experience for broader responsibilities and greater effectiveness;

• a broad understanding of the overall deposit, credit and investment functions of a community bank;

• an appreciation for customer service and an active business-development program;

• insight into a community bank’s overall operations responsibilities and techniques for integrating technology into the bank’s strategic plan;

• the opportunity to compare and share experiences with peers, instructors and senior bankers;

• the invaluable student notebook which contains courseoutlines, supplemental reading materials, as well as exhibits and sample forms; and

• the ability to immediately contribute to the overall success of the bank.

Money-Back GuaranteeShould CBS not measure up

to your expectations, call within two weeks, and the full tuition

will be refunded to your bank.

July 12-17, 2020

“David and Jeff have an out-standing way of teaching andcapitivating their audience.”

Lisa Herr, ControllerState Bank of Graymont

FACULTYArchie Bransford Jr. — Bransford is the owner and operator ofBransford & Associates, LLC, Atlanta, GA, which provides regu-latory consulting services to financial institutions. He workedwith the Office of the Comptroller of the Currency (OCC) for30 years and retired as the deputy comptroller for the agency'sSouthern District. He served as the deputy comptroller for theSoutheastern District in Atlanta, district administrator for theSoutheastern District, and examiner-in-charge for First UnionCorporation in Charlotte, NC. Bransford earned a B.S. in busi-ness administration from the University of Detroit, MI.

Sean Cunningham –– Cunningham is a regional manager withMarquis, a company that leverages technology to help banksincrease revenue by retaining current customers. He was for-merly the chief marketing and retail officer with a communitybank in Illinois where his efforts were focused on achieving pos-itive ROI through targeted marketing. He also implemented andmanaged his bank's sales and service initiatives. With Marquis,Cunningham helps banks across the country maximize theirstrategic marketing and sales efforts particularly specializing inloan growth, cross-sales, retention and sales automation.

Patrick Dix –– Patrick leads SHAZAM's relationships and part-nerships with more than 70 industry organizations and tradeassociations. The focus of SHAZAM's strategic alliances is to sup-port the advocacy work of association partners and ensure com-munity financial institutions have a strong voice in the paymentsindustry. Before joining SHAZAM Dix spent 25 years as a broad-cast journalist including 16 years as the senior morning newsanchor at the NBC affiliate in Des Moines Iowa.

Bill Elliott –– Elliott, CRCM, is a senior consultant with Young& Associates of Kent, OH, a nationally recognized complianceconsulting firm for community banks. He has 24 years ofbanking experience, including 16 years of experience as acompliance and CRA officer. He was previously a lender forconsumer, commercial and mortgage loans, and has managedthe loan review, loan processing, loan administration, creditadministration and collections functions. He conducts com-pliance reviews for all areas of compliance and writes com-pliance articles and training materials.

Kathy Enbom –– Enbom, CRCM, senior manager at WipfliLLP in Sterling, IL, has an extensive background in regulato-ry compliance, marketing and leadership, including signifi-cant training in developing, delivering and implementinginstructional programs. She uses this experience to enhancethe consultative interaction by providing guidance andresources to assist clients in improving their overall compli-ance management system. Enbom's well-rounded experiencein financial services helped her develop a comprehensiveunderstanding of bank operations and management.

Donna Goelz –– Goelz is an attorney with Howard & Howard,Peoria, IL, who concentrates her practice in corporate, regu-latory and compliance matters for financial institutions. Priorto joining Howard & Howard, Goelz had extensive experi-ence working with one of St. Louis' largest law firms repre-senting major banks, thrifts and related holding companies incorporate, regulatory and securities law matters. She provid-ed legal direction during the formation of entities, acquisi-tions, securities offerings and other regulatory matters relat-ed to banking and financial organizations. Goelz is admittedto both the Illinois and Missouri State Bar Associations.

Class I ScheduleMONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

8 a.m.

9 a.m.

10 a.m.

11 a.m.

Noon

1 p.m.

2 p.m.

3 p.m.

4 p.m.

5 - 6 p.m.

6 p.m.

7 p.m.

Introduction to ComplianceBill Elliott

Introduction to Compliance(cont’d)

Bill Elliott

Introduction to AccountingJeffery Johnson

Technology TrendsJoe Oleksak

Sales TrainingPatrick Dix

Exposure to Monetary Economics

Dave Kemp

Lunch Lunch Lunch

Commercial Loan CaseStudent Group Preparation

LunchGraduation Luncheon

& Dismissal

Bank InvestmentsMatt Harris

Social Activity

Dinner/Free Time Dinner/Free Time

Dinner on your own

Consumer CreditDave Kemp

Analyzing FinancialStatements

Jeffery Johnson

Ownership DocumentationKathy Enbom

Commercial Loan CaseDave Kemp

Jeffery Johnson

Collections, Problem Loans,Management & Bankruptcy

Dave Kemp

Consumer & CommercialLoan Documentation &

Lending Wrap-UpJeffery Johnson &

Dave Kemp

Commercial Loan CaseStudent Group Preparation

ExaminationDave Kemp

Test Review & Discussion

Continuity PlanningFraud

Robbery PreventionJim Rechel

Registration & Check-in3:30 - 5 p.m.

Sunday, July 12

Ag OutlookBrad Zwilling

Secondary MarketChris Milne

Structuring LoansJeffery Johnson

Introduction to AuditingKathy Enbom

Orientation & Dinner5 - 6:30 p.m.

Concepts of FinancialPlanning

Richard Hiatt6:30 - 8:30 p.m.

Elaine Hand –– Hand is the president of Illinois-basedInnerview, Inc. She is a facilitator, trainer, speaker, leader andplanner. Prior to creating Innerview, Inc., Hand worked inbanking for 20 years. Her job responsibilities includedrecruitment and retention of employees, training, assess-ments, benefits planning, government regulations, retail andcommercial development, marketing, sales and management.Hand has strategically aligned her company with key solu-tions providers in order to ensure the fast and efficient reso-lution to the people concerns that her clients face.

Matt Harris –– Harris, CFA, is senior vice president at TheBaker Group, where he serves as assistant director ofAsset/Liability Management. He started with the firm in2007 as an intern while attending the University of Texas-Austin, where he earned a bachelor’s degree in governmentand economics. In 2010, he joined the firm’s FinancialStrategies Group at the home office in Oklahoma City, wherehe works directly with bankers, examiners and auditorsregarding fixed income portfolio analysis and asset/liabilitymanagement. Harris is also involved in the development andtesting of Baker proprietary bond accounting and interestrate risk software.

Richard Hiatt — Hiatt is self-employed in estate planning,investments and financial services. He is the owner of HiattEnterprises, which provides agriculture land management,record bookkeeping and consulting. He is also a consultant inbank and trust services with Fairbury-Cropsey CommunityBank, a division of Morton Community Bank, and providesfinancial planning through Wayne Hummer Investments.Hiatt has been a banker for 35 years, starting as a farm man-ager, 12 years as a trust officer, and as president of twobanks. He is a past group director of CBAI and is past chair-man of the CBAI Foundation for Community Banking.

Jeffery Johnson — Johnson is the president and founder ofBankers Insight Group, Atlanta, GA. Beginning as a manage-ment trainee, he was promoted to group vice president forSun Trust Bank, Atlanta. He also served as senior vice presi-dent and commercial banking division manager for CitizensTrust Bank, Atlanta. A graduate of Morehouse College,Atlanta; John Carroll University in University Heights, OH;and the Prochnow Graduate School of Banking, Madison,WI; Johnson also received a graduate certificate in bankmanagement from Wharton School of Business at theUniversity of Pennsylvania, Philadelphia.

Robert Kearney –– At Illinois Wesleyan University, Kearney teach-es business and employment law. He has also taught in theCollege of Business Administration at the University of Illinois atChicago, as well as the University of Michigan Business School,Ann Arbor. Kearney has written extensively in the area ofemployment law and on issues affecting the workplace, witharticles appearing in several law journals. He is licensed to prac-tice law in Illinois and admitted to several federal courts. Heearned his J.D. at Notre Dame Law School, South Bend, IN.

Dave Kemp — Kemp is founder and president of BankersManagement, Inc., a nationally recognized financial manage-ment, consulting and training firm located in College Park,GA. He serves as lead faculty member for The CommunityBankers School. He is a former vice president corporatefinance for Citicorp and a branch manager and commerciallender for the former First National Bank of Atlanta andCitizens and Southern National Bank. Kemp earned a bache-lor’s degree from Morris Brown College, Atlanta, and complet-ed graduate courses in accounting corporate finance atGeorgia State University, Atlanta, and Harvard University,Cambridge, MA.

Class II ScheduleMONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

8 a.m.

9 a.m.

10 a.m.

11 a.m.

Noon

1 p.m.

2 p.m.

3 p.m.

4 p.m.

5 - 6 p.m.

6 p.m.

7 p.m.

Community Bank Policies& Regulatory Relations

Dave Kemp

Management PrinciplesElaine Hand

Future Trends in Technology

Mark Scholl

Strategic Managementof Community Banks(Simulation Exercise)

John Oliver

Federal Regulatory UpdateBill Elliott

Lunch Lunch Lunch LunchGraduation Luncheon

& Dismissal

Loan Review

Jeffery Johnson

Strategic Managementof Community Banks(Simulation Exercise)

John Oliver

Social Activity

Dinner/Free Time Dinner/Free Time

Dinner on your own

Bank-Liability IssuesGoelz & VanFleet

Business Development & Establishing a

Marketing ProgramSean Cunningham

Human ResourceManagement

and Legal IssuesRobert Kearney

Asset/Liability & Investment Management

Matt Harris

Risk ManagementKathy Enbom

Strategic Managementof Community Banks(Simulation Exercise)

John Oliver

Strategic Managementof Community Banks(Simulation Exercise)

& ExaminationJohn Oliver

Strategic ManagementJohn Oliver

Bank Financial RatiosArchie Bransford Jr.

Federal Regulatory UpdateBill Elliott

Strategic PlanningDave Kemp

Registration & Check-in3:30 - 5 p.m.

Sunday, July 12

Orientation & Dinner5 - 6:30 p.m.

Credit AdministrationJeffery Johnson

6:30 - 8:30 p.m.

Examination & ReviewJeffery Johnson

Chris Milne –– Milne is managing directorof institutional sales at the Federal HomeLoan Bank of Chicago. In addition tomanaging the team of sales directors whomarket the Bank's funding and mortgageprograms to community banks and depos-itories in Illinois and Wisconsin, Milnecovers more than 150 members includingmany large members and all of southernIllinois. During his 14 year tenure atFHLB Chicago, he has managed mortgagepricing and trading for the MPF program,negotiated large mortgage loan purchases,and managed the Bank's investment port-folio which mainly consists of MBS. Priorto FHLB Chicago, Milne worked at bothlarge and small investment banks sellingand trading bonds.

Joe Oleksak –– Oleksak is a leader withPlante Moran's Information Technology(IT) Consulting team focusing on IT risksand controls. He specializes in advisingclients on IT security, audit and technolo-gy so that they can stay on the cuttingedge of industry regulations, trends andsecurity best practices. His areas of focusinclude IT strategic planning, IT riskassessments, network and web applicationsecurity and penetration testing, IT audits,business continuity and disaster recoverymanagement, incident response planningand SSAE16/SOC reporting. Oleksak haspresented at various conferences on secu-rity-related topics and has written or beenquoted in various technology whitepapers, industry newsletters and maga-zines.

John Oliver — Oliver is the founder ofLaurel Management Systems, Inc., PalmSprings, CA. He has been in the financial-services field for more than 35 years,working both in Europe and the UnitedStates. For the past 18 years, he has built athriving consulting practice with focus onstrategic planning and the developmentalneeds of managers and directors in finan-cial services. Oliver is responsible for thedesign and implementation of his compa-ny's highly regarded FIplanner strategicplanning system. He also authored WhatReally Is Expected of Me: The CommunityBank Directors Guidebook.

Jim Rechel — Rechel is president of The Rechel Group, Inc., Cincinnati, OH,which specializes in security interventionsolutions. As former director of bank pro-tection for Fifth Third Bank in Cincinnati,he was responsible for the fraud-preven-tion and investigation program for thecredit- and debit-card portfolio. Prior to

this, he held various positions within thebank protection department, and was aloan officer for Fifth Third Bank. Rechelwas also a special agent with the FBI andinvestigated white-collar crime, includingbank fraud, government corruption, bankrobberies and narcotics cases.

Mark Scholl –– Scholl is a partner forWipfli LLP, specializing in all aspects ofinformation-security services includinginformation-system security auditing andinternet intrusion-testing services. Schollhas over 30 years of technology experi-ence with the last 20 years providing con-sulting services such as network designand installation, information systems sup-port, IT auditing, perimeter-intrusion test-ing, IT training and many other informa-tion-security services. Scholl earned abachelor of science degree at Illinois StateUniversity, Normal, and has IT certifica-tions as Certified Information SystemsSecurity Professional (CISSP), MicrosoftCertified Systems Engineer (MCSE),Certified Information Systems Auditor(CISA), and Certified Ethical Hacker(CEH).

Joseph VanFleet — VanFleet, attorney withHoward & Howard, Peoria, IL, concentrateshis practice on business, commercial, realestate and construction litigation; with aheavier emphasis on banking, creditors'rights and general business law. After sever-al years at one of the world's largest lawfirms, VanFleet formed his own practicewhere he focused on providing sophisticatedcost-effective legal representation for hisbroad spectrum of banks and corporateclients in a manner custom-designed toachieve the desired result for each specificmatter. He is licensed in the state of Illinoisand admitted to practice before the UnitedStates and Illinois State Supreme Courts,the US Court of Appeals for the SeventhCircuit, and the US District Courts for theNorthern and Central Districts of Illinois.

Brad Zwilling — Zwilling is the vice presi-dent of data analysis for Illinois FarmBusiness Farm Management. He compiles,analyzes and reports results from FBFMcooperator records to be used for cooperatorbenchmarking and farm record data studies.Zwilling has a responsibility for statewidetraining of associated educational materialsfor FBFM field staff and develops and sup-ports management information and comput-er systems to deliver farm record analysis.Zwilling received a bachelor’s and master’sdegree from the University of Illinois,Champaign.

“I cannot stress enoughhow much I enjoyed theCommunity BankersSchool. While much of itdoes not directly relate tomy job (IT) it gives me agreat perspective on therest of the bank. I highlyrecommend this School toany current or future man-ager who wants to learnmore about how theirbank works.”

Bob Beverage, Network & IT ManagerHeartland Bank & Trust, Bloomington

Extension Problem ReviewA review of the extension problemsfor Class II will be conducted at7:30 a.m. on Monday, July 13, withDave Kemp and Jeff Johnson.

ProgramThe Community Bankers School con-sists of two, one-week sessions atIllinois Wesleyan University, locatedin Bloomington, IL. The 2020 sessionopens Sunday, July 12, and concludesFriday, July 17. Classes I and II meetconcurrently. Attendees are expectedto conduct themselves as representa-tives of their banks and theirAssociations at all times. To receive adiploma, students must attend everyclass and special activity that isscheduled for their Class; and com-plete and maintain a passing average(C or better) on the exam at the endof both Classes I and II, and on thethree extension problems. The exten-sion problems are assigned andmailed to students prior to Class II.Please note that there are groupassignments that may require meet-ing outside of class time.

Admission RequirementsTo be admitted to CBS, applicantsmust meet the following qualifica-tions:

1. current employee of a community bank; and

2. high school graduate with three years of banking experience; or college graduate and one year in banking.

(NOTE: Deadline to enroll is July 1, 2020)

Selection of ApplicantsApplications are approved in the orderreceived. Letters of acceptance, aninvoice for tuition, and additionalbackground information are then fur-nished to each applicant.

ScholarshipsThree full scholarships are availableeach year for CBAI member bankers toattend CBS. Contact the CBAIDepartment of Communications at217/529-2265 or via e-mail atvaleriej@cbai.com for more details.

OrientationOn Sunday evening, a short orienta-tion is held. All students are briefedon the contents of their notebooks,school schedules, classroom locationsand more. After dinner, both groupsbegin class. Class I discusses“Concepts of Financial Planning” with

Richard Hiatt; Class II discusses“Credit Administration” with JefferyJohnson.

Tuesday SocialAll students participate in a socialevent. Tradition calls for Class II to pro-duce “The Skit” for the entertainment.

GraduationCommencement exercises are sched-uled for 12 p.m. on Friday, July 17,2020, in Memorial Student Center.Both classes are required to attend.CEOs and guests of graduates areencouraged to attend.

Enrollment FeesFees include registration, tuition,meals, course notebooks, orientationand social events listed in the prelimi-nary schedule. Housing is a separatefee; cost is dependent upon choice.Students are invoiced upon accept-ance. A $150 University Fee isassessed for any participant whochooses not to stay on campus.

First and Second Year 2020Member of CBAG, CBAI, CBI, IBSC,IBAT, IBC, ICBM, ICBND, MIBA,VACB — $1,399 (per year)Non-member Banker — $2,399 (per year)

First and Second Year 2021 — TBA

Cancellation PolicyStudents may cancel without penaltyprior to June 1, 2020. After June 1, a$250 penalty will be charged. Norefunds are issued after the coursebegins. Requests for cancellationmust be in writing.

Housing ArrangementsYou may choose to stay on campus inthe apartment housing, commute, ormake your own reservations at ahotel. Past graduates strongly recom-mend staying in the apartment stylehousing that include a kitchen, livingroom, private, shared bathrooms ineach apartment, and your own pri-vate bedroom with double bed. Theyfeel staying on campus is the bestway to make life-long connectionswith other community bankers as youstudy together for the exam or worktogether on your team projects.

“I really enjoyed stayingin the dorms. It is a greatway to get to know ourclassmates outside theclass setting.”

Michael Fehrenbacher, Asst. BSA OfficerTrustBank, Olney

C o m m u n i t y B a n k e r s S c h o o l E n r o l l m e n t & H o u s i n g F o r mI l l i n o i s We s l e y a n U n i v e r s i t y

B l o o m i n g t o n , I l l i n o i s J u l y 1 2 - 1 7 , 2 0 2 0

Bank Name: Assets:

Bank Address:

City/State/Zip: Phone Number

Applicant Name: E-Mail:(E-mail address required for registration.)

Title: Area of Banking:

Male Female I have special needs, please contact me before CBS.Please indicate the class for which you are registering:

First Year Second Year

Educational Background (Check highest level achieved):High School Graduate College GraduateAssociate Degree Graduate School

Years of banking experience: I have computer experience: Yes No

To assist in planning for CBS, please check which housing option you plan to utilize. A $150 University fee will beassessed for any participant who chooses not to stay on campus.

Commute to CBS – If you are a local resident, you may wish to live at home. A $150 University fee will be assessed.

Apartment-style housing —— Locking single bedrooms with semi-private bath – This building has four bedroom suites with a kitchen, living room and two bathrooms. This option requires an additional $325 for the week. If you have a roommate request, please indicate here.

Local Hotel – If you cannot commute and do not want to live in a dorm, you may make and pay for your own hotel reservations. Please reference CBAI. A $150 University fee will be assessed. A block of rooms is reserved at the following hotel:

Double Tree by Hilton Bloomington10 Brickyard Drive, Bloomington, IL 61701309/664-6446Rate: $123 + tax single or double occupancy

First-Year and Second-Year Enrollment Fee:Member of CBAG, CBAI, CBI, IBSC, IBAT, IBC, ICBM, ICBND, MIBA, VACB — $1,399 (per year)Non-member Banks — $2,399 (per year)

State association you were recruited by?

Please select your payment method.Check Enclosed Check in Mail Credit Card*

*If you are paying by credit card, please fill out the following information.

Name as It Reads on Card Card Number

Company Name on Card Expiration Date

Billing Address of Card Three-Digit Security Code

Fax it in:(217) 585-8738

Click it in:www.cbai.com

Mail it in:CBAI Education Department901 Community DriveSpringfield, IL 62703-5184

Call it in:800/736-2224

The cut-off date for hotel reservations is June 21, 2020.Please reference the room-block name Community BankersAssociation of Illinois.