THIS YEAR’S CONFERENCE WILL BE

THE PLACE TO MAP OUT YOUR

STRATEGY FOR SUCCESS .

Educational Resources

785.232.3444

www.ksbankers.com

NEW this Year!

Exhibitors

Why Should I Attend?

• You May be Playing in the Minors, But Act

Like a Major League Player

• The National and Local Economies and

Their Impact on You

• Capturing UFOs: Unapparelled Funding

Opportunities

• Social Engineering: Solving the Problem

of People

• To Catch a Spy:

The Art of Counterintelligence

• Communicate More Effectively with Your

Boss, Your Staff and Your Customers

• Sessions on:

CECL, Loan Structure, Regulatory Hot

Topics, Banking Cannabis in Kansas,

and Participation Loans

Wednesday, October 2_____________________________________________________________

8:00 a.m. – 9:00 a.m. Registration, Refreshments and Exhibitor Visits

9:00 a.m. – 10:30 a.m. Welcome and Introductions Kurt Knutson, KBA Chairman

You May Be Playing in the Minors, But Act Like a Major League Player Joe Micallef, Grow Up Sales The skill and commitment on display by athletes playing in both the minor and major leagues is equally impres-sive. In banking it should be no different, yet many community bankers regularly grieve over the challenges they face when trying to “compete” with the major providers. There is no reason why you can’t be the major player in your local market. Start by overcoming any limiting beliefs that you are simply a minor league player and lever-age your unique strengths to act like you are the best player in your field.

10:30 a.m. – 11:00 a.m. Refreshment Break and Exhibitor Visits

11:00 a.m. – 12:00 p.m. Finding the Dark Cloud Behind the Silver Lining: The 2019 Economy Dr. Chris Kuehl, Armada

There has never been a dull moment as far as the economy is concerned in 2019. The constant threat of disrup-tive trade wars has thus far failed to blunt the enthusiasm of the consumer or the business community. Jobless rates are down to record levels, but labor shortage is now a crisis. Growth in the US has been above expected levels, but global growth is anemic and that will have an impact. There are suddenly questions regarding the next recession and what the Fed or Congress plans to do about it -- all with the 2020 elections approaching fast.

12:00 p.m. – 1:00 P.M.

1:15 p.m. – 2:15 p.m.

Luncheon and KBA ReportDoug Wareham, KBA President

Concurrent Session #1 (choose one)

1. Networking Excellence: The Art of ConnectingJoe Micallef, Grow UP SalesOne of the most common business development activities undertaken by sales people today is to attendnetworking functions for the purpose of building their contacts. Many bankers, however, struggle to clearlydifferentiate themselves at these events and fail to leverage the great business opportunities available. Byhoning your networking strategy and developing more effective networking skills, you will be able to betterleverage these important events and generate better business opportunities.

2. CECL for LendersDr. Bruce Morgan, PhD, Professional Bank Consultants, LLCWhile implementation of CECL has been delayed, it’s never too early to hone in on your plan for complyingwith these rules. Dr. Bruce will provide a practical explanation of the core principles underlying CECL, in-cluding calculation methods and community bank examples; guidelines for CECL models; a discussion ofthe WARM method used by a Kansas community bank; and what steps need to be taken to prepare for im-plemention.

3. Loan Structuring: A Banker’s “Best Friend”Tim Ohlde, Elk State Bank, ClydeJoin this session for a look at loan structuring, including structuring options for working with stressed credits.Do’s and don’ts will be shared, as well as the key items related to structuring, including terms of the loan,financing methods or types, repayment approaches and collateral, covenants and monitoring.

2:15 p.m. – 2:30 p.m. Transition to concurrent session #2

2:30 p.m. – 3:30 p.m. Concurrent Session #2 (choose one)

1. Panel Discussion on Participation LoansElizabeth Fast, Spencer Fane and Chris Donnelly, Bank of the Prairie, Olathe

2. Regulatory Hot Topics Affecting Lenders Dylan Serrault, KBA Staff Attorney/Compliance Auditor It seems that lending regulations change as quickly as the weather these days. Recent studies show that compliance costs are twice as much for community banks than large banks. One of the best ways to miti- gate costs and penalties are maintaining current and accurate knowledge of what is required in your bank. This session will cover recent changes to lending regulations and laws in addition to areas being targeted by examiners.

3. Banking Cannabis in Kansas: Hemp, CBD and Marijuana-related Business Risk… Oh My! Terri Thomas, KBA Senior Vice President Today, it seems like every discussion amongst bankers ends up touching on the topics of cannabis and cannabis-related business activities. It’s no wonder, as confusion about the legality of these products is pervasive and clarification is often not found in either state or federal laws. Learn the latest information about how state and federal laws deal with these topics, best practices, as well as the risks and rewards of banking these customers.

3:30 p.m. – 3:45 p.m. Refreshment break and Exhibitor Visits 3:45 p.m. – 5:15 p.m. Capturing UFOs: Unparalleled Funding Opportunities Neil Stanley, The CorePoint As “surge deposits” become a thing of the past, bankers across the country are observing the increasing im-portance of more effective management of liquidity and funding. Community bankers need a robust understand-ing of the processes, products, and analytic tools needed to attract and retain properly priced, long-term funding, especially as interest rates and loan-to-deposit ratios increase. This informative session will explore the art and science of retail deposit pricing and sales in today’s banking environment. 5:15 p.m. – 6:00 p.m. Cocktails and Conversation with Exhibitors

Thursday, October 3_______________________________________________________________ 7:30 a.m. – 8:30 a.m. Breakfast Buffet and Exhibitor Visits 8:30 a.m. – 9:30 a.m. Communicate More Effectively With Your Boss, Your Staff and Your Customers Terri Thomas, KBA Senior Vice President Today’s financial institutions understand that in order to compete, they must build and maintain successful team cultures. Unfortunately, pitfalls, if not understood and properly managed, cannot only hinder a financial institu-tion from meeting its goals but can create a negative, and even hostile, environment for management, employ-ees and customers alike. Learn how perception influences our day-to-day interactions with others, as well as how to identify and work with various social styles in order to establish successful relationships with your coworkers and customers.

9:30 a.m. – 10:30 a.m. Social Engineering: Solving the Problem of People Jonathan Lanning, Cyber Security Program Director Friend University, Wichita This session will cover some of the most current and prevalent threats to organizations and personnel as they have become the primary targets of cyber-attacks. We will explore how an attack is formulated, and how we can take steps to preempt and prevent our organizations from being compromised. 10:30 a.m. – 10:45 a.m. Refreshment Break and Exhibitor Visits 10:45 a.m. – 12:00 p.m. To Catch a Spy: The Art of Counterintelligence James Olson, Former CIA Mr. Olson will describe how the CIA today is on the front lines in fighting international terrorism. His presentation will cover life as a CIA operative and the effect it has on marriage and family life. Time permitting, Mr. Olson will share some actual operations he was involved in, including those involving the KGB. Audiences find this inside look into the real world of espionage both fascinating and uplifting as we learn more about the men and women who protect American citizens and defend American values. Trust us…this is a session you won’t want to miss. 12:00p.m. Adjournment

Who Should Attend___________________________________________________________________________ This conference is tailored so that both entry level positions and experienced lending officers will gain valuable infor-mation. Recommended 9.5 hours CPE Credit. Attire_______________________________________________________________________________________ The suggested attire is business casual. Meeting room temperatures and personal comfort zones vary widely. It is recommended that you bring a sweater or jacket to the sessions. Hotel Accommodations________________________________________________________________________ Kansas Bankers Association has reserved a block of sleeping rooms Wichita Marriott Ho-tel, 9100 Corporate Hills Drive for the nights of October 1 & 2 at a flat rate of $122 (single or double). Reservations may be made by calling the hotel at 316-651-0333. Please indi-cate you are with the Kansas Bankers Association to insure you receive the special group rate. HOTEL RESERVATIONS MUST BE RECEIVED BY SEPTEMBER 10. After this date, reservations will be accepted only on a space-availability basis and may be subject to higher rates.

2019 Conference Planning Committee____________________________________________________________

2019-2020 Officers______________________________________________________________________________

Brian Eilert, Chair First National Bank

Beloit

Chris Bualle, Vice Chair Girard National Bank

Girard

Rocky Anderson Alliance Bank

Topeka

Tyler Bachman First Heritage Bank

Overland Park

Andrew Chaney Equity Bank

Wichita

Monica Dahl Arvest Bank

Overland Park

Beth Easter INTRUST Bank

Lawrence

Thomas Galbrecht Bank of the Prairie

Olathe

Stephen Hendrickson Citizens State Bank of Marysville, Hanover

Kim Hesting

Guaranty State Bank Beloit

Layne Hoops Astra Bank

Scandia

Kenton Ladenburger Peoples Bank

Pratt

Colby May Andover State Bank

Andover

Ben Murphy Heritage Bank

Topeka

Shawn Riley Citizens Bank of Kansas

Wichita

Kurt Knutson Chairman

Freedom Bank Overland Park

Jonathon Johnson Chair-Elect

Home Savings Bank Chanute

Mike Ewy Vice Chair

Community State Bank Coffeyville

Chris Donnelly Past Chairman

Bank of the Prairie Olathe

Take Advantage of the Mobile App

KBA is excited to once again utilize their association-wide mobile app for the conference. It will contain

information on speakers, sponsors, events, presentations, session

schedules and much more. It is ac-cessible from mobile devices such as smartphones and tablets. No

matter your mobile device, you are two steps away from having the

Lending Conference at your finger-tips. Registrants will receive spe-

cific instructions and details approximately one week prior to

the conference.

Chris Donnelly, President and CEO, Bank of the Prairie, Olathe Mr. Donnelly has been in banking for 37 years and currently serves as Chairman of the Kansas Bankers Association. Chris started his career in banking in Yukon, Oklahoma in 1982 where he was the bank’s loan collector. He moved to Tonganoxie in 1994 and worked at First State Bank and Trust for 15 years where he served as EVP and Chief lending officer. Chris serves on FDIC’s Community Bank Advisory Council, is a member of the Board of Directors of the Kansas Develop- ment Finance Authority and Kansas Housing Resources Corporation and a director of the Olathe

Chamber of Commerce. Mr. Donnelly is a proud graduate of Oklahoma State University.

Elizabeth Fast, Partner, Spencer Fane Ms. Fast is a partner at Spencer Fane and chair of the Banking & Financial Service Group. For over 25 years, she has been counseling banks and holding companies on legal, regulatory and compliance matters. Elizabeth received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. She also is a CPA. Prior to Spencer Fane, Elizabeth was General Counsel, Senior Vice President and Corporate Secretary for a bank with more than 100 branches in Kansas and Missouri.

Dr. Chris Kuehl, Managing Director, Armada Dr. Chris Kuehl is Managing Director of Armada Corporate Intelligence, providing forecasts and strategic guidance for a wide variety of corporate clients around the world. He is the chief economist for several national and international organizations – Fabricators and Manufacturers Association, National Association of Credit Management, Finance, Credit and International Business and the Business Information Industry Association.

Jonathan Lanning, Assistant Professor, Friends University Mr. Lanning is responsible for the Cyber Security program in the College of Graduate & Professional Studies, where he provides oversight and management for cybersecurity curriculum and coursework. He is highly skilled in incident Response (GCIH), Cyber Threat Hunting (GCFA), Information/Computer Network Security (GSEC), Government, Intelligence, Operational Planning, and Command & Control. He is also a Cyberspace Operations Officer with the Kansas Air National Guard, having previously served in our United States Air Force as a Defensive Cyberspace Operations Strategy Planner for the 624th Operations Center.

Joe Micallef, President, Grow Up Sales Joe is an award-winning, International sales strategist and coach with over 27 years of banking and sales leadership experience in Australia, Canada and the US. His valuable global experience has ideally positioned him to share insights on universal best practices for achieving sales success and growing your bank. He has been recognized throughout his career for his strategic, charismatic and collaborative approach to achieving exceptional results.

Dr. Bruce Morgan, Manager, Professional Bank Consultants, LLC Dr. Morgan is an angel investor, banker, and manager of Professional Bank Consultants, a professional services firm that specializes in management assessments, mergers and acquisitions, branch acquisition/sales, litigation support, regulatory orders, and bank and holding company stock valuations. Previously, Dr. Morgan was Chairman, President, CEO, and Director of Valley State Bank in Roeland Park and was a founder, incorporator and director of Johnson County Bank in Overland Park. He is a former member and past chairman of the Kansas State Banking Board.

Conference Presenters________________________________________________________________________

Tim Ohlde, President, Elk State Bank Mr. Ohlde is currently president of Elk State Bank based in Clyde, Kansas with two additional North Central Kansas locations. He also serves as Chief Executive Officer of Country Banker Systems, LLC. He has over thirty-five years of banking experience including positions as lender, loan resolution specialist and senior loan review specialist. In his career, Tim has drawn on not only his farm background and experience, but also a degree in Ag-Education, with emphasis on Ag Economics from Kansas State University.

James Olson, former CIA Mr. Olson is a career officer in the Directorate of Operations of the Central Intelligence Agency serving mostly overseas in clandestine operations. He previously served as Chief of Counter-intelligence at CIA Headquarters, having had overseas assignments in the USSR, Austria, and Mexico. Mr. Olson is the author of “The Ten Commandments of Counterintelligence” and “Fair Play: The Moral Dilemmas of Spying.” Jim holds a B.A. in Mathematics and Economics from the University of Iowa, a J.D. in International Law from the University of Iowa, and served in the U.S. Navy, attaining the rank of

Lieutenant Commander, USNR.

Dylan Serrault, Staff Attorney, Kansas Bankers Association Mr. Serrault began his banking career by studying Finance at the University of Kansas. After graduating, Dylan went to work for a Kansas financial institution. While in law school, he began working at the Kansas Bankers Association as a legal intern and ultimately accepted a staff attorney/compliance auditor position upon graduation. Mr. Serrault currently focuses on assisting Kansas banks with compliance related issues and conducting compliance audits throughout Kansas.

Neil Stanley, CEO and Founder, The CorePoint Mr. Stanley has been a banker for over 25 years. Neil was the CEO of a $750 million Northwest Bank in Spencer, Iowa which operated in Omaha, Des Moines, Fort Dodge and the Northwest Iowa regions. Prior to Northwest Bank, Neil was an executive for over 22 years with what became the largest privately held banking organization in the country – First National of Nebraska/ Lauritzen Corporation. He served First National as Chief Investment and Liquidity Officer and Lauritzen Corporation as Vice President in general administration and supervision of community banks.

Terri Thomas, SVP & Legal Department Director, Kansas Bankers Association Ms. Thomas has been employed in the banking industry for 23 years in various capacities. She received her B.A. degree from Kansas State University in 1985, continuing her education at Washburn University School of Law and obtaining her Juris Doctor in 1988. Ms. Thomas pre- sently serves as an adjunct professor at Washburn University School of Law, as well as the University of Kansas School of Law, and is a frequent seminar presenter for the KBA and other banking associations.

Doug Wareham, President & CEO, Kansas Bankers Association Mr. Wareham is the President & CEO of the Kansas Bankers Association (KBA), the statewide non- profit organization representing the Kansas banking industry. Doug has been a member of the KBA staff team since 2004 and has served as President & CEO since September 2018. Doug’s responsibilities include managing the day-to-day operations of the KBA, which represents 98% of the banks operating in Kansas. Doug holds a degree in Agricultural Science/Education from Kansas State University.

Thank you!

REGISTRATION INFORMATION

Registration Fee Member Non-Member

$260 $460

Add $25 per registrant if registering after September 20, 2019.

*Fee includes instruction, refreshments, breakfast, lunch, and handout materials for both days.

*Cancellations must be received 5 business days in advance to be refunded. *If you have special dietary needs, please contact the KBA office.

*If you have a disability and request special accommodations, please contact the KBA office. *Registration for and attendance at KBA meetings and events constitutes an agreement by the registrant for KBA’s use of the

attendee’s photograph in printed and/or digital promotional materials, publications, mobile app and social media, unless permission is revoked in writing and received by the KBA prior to the event.

REGISTRATION FORM 2019 KBA Annual Conference for Lenders October 2-3, Wichita Marriott Hotel Please check all lending functions that apply for each registrant.

Registrant Name_________________________________________________________________________

Bank Location______________________________E-mail Address__________________________________

I am a ____Commercial Lender _____Ag Lender _____Consumer Lender _____Real Estate Lender

Registrant Name_________________________________________________________________________

Bank Location________________________________E-mail Address________________________________

I am a ____Commercial Lender _____Ag Lender _____Consumer Lender _____Real Estate Lender

Registrant Name_________________________________________________________________________

Bank Location________________________________E-mail Address________________________________

I am a ____Commercial Lender _____Ag Lender _____Consumer Lender _____Real Estate Lender

Bank______________________________________ Total Attending_________________

PO Box____________________________________ Amount Enclosed_______________

City, State, Zip______________________________________________________________ Three ways to register:

1. Complete and mail registration form with payment. 2. Fax registration form, followed by mailing of payment. Please use this form as your invoice. 3. Register online using a credit card @ www.ksbankers.com.

Kansas Bankers Association Phone: 785-232-3444 Educational Resources FAX: 785-272-8392 PO Box 4407 Website: www.ksbankers.com Topeka, KS 66604