MarylandBanker4Q2012

FOURTH QUARTER 2012the

b a n k e r

THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION

LESSONS LEARNED from a HOLIDAY CLASSICIt’s a Wonderful Life as a Learning Tool for Today’s Banker

EXPLORING THE FUTURE OF BANKING

Join us onNOVEMBER 9see page 16 for details

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message from the chairman The Useful Universe of the MBA 5

MBA Event Calendar Fall 2012 Through Summer 2013 6

message from the president Finding Common Ground 7

37th Maryland Banking School Class of 2012 8

maryland bank services preferred providersMBSI Helps MBA Members Achieve Greater Value from their Membership! 9

DEPARTMENTS:

news and notes 18 Professional Development Calendar 22

Fourth Quarter 2012 | 3

20

ChairmanMichael L. MiddletonChairman & CEOCommunity Bank of Tri-County

Chairman-ElectRobert A. DeAlmeidaPresident & CEOHamilton Bank Vice ChairmanJohn A. Scaldara, Jr.Chairman, President & CEOThe Columbia Bank

Past ChairmanMary Ann ScullyChairman, President & CEOHoward Bank

President & CEO Kathleen M. MurphyMaryland Bankers Association

Publication EditorCynthia L. GentilcoreMaryland Bankers Association

Board of Directors

George J. Behr, Jr.President, Arundel Federal Savings Bank

Andrew M. BertaminiRegional President, Maryland Market, Wells Fargo Bank, N.A.

James R. Bosley, Jr.President & CEO, Farmers & Merchants Bank

Ralph W. Emerson, Jr.Senior Vice President, M&T Bank

Raymond W. Hamm, Jr.Executive Vice President, PNC Bank, N.A.

Michael E. HoughCEO of Maryland Division, Susquehanna Bank

Kim LiddellChairman, President & CEO, The National Bank of Cambridge

Michael G. LivingstonPresident & CEO, The Bank of Glen Burnie

Philip E. LoganPresident, Chairman and CEO, Slavie Federal Savings Bank

Carissa L. Rodeheaver, CPA, CFPExecutive Vice President & CFO, First United Bank & Trust

Daniel J. SchriderPresident & CEO, Sandy Spring Bank

Raymond M. ThompsonPresident & CEO, Calvin B. Taylor Banking Company

William J. Toomey, IIRegional President – Baltimore Metro Region, BB&T

Kelly Whitley Vice President, State Government Relations, Bank of America

J. Scott WilfongChairman, President & CEO, SunTrust Bank, GW/MD

THE WARREN GROUPCreative / Production / Advertisingwww.thewarrengroup.com [email protected]

©2012 The Warren Group Inc. All rights reserved. The Warren Group is a trademark of The Warren Group Inc. No part of this publication may be reproduced in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission from the publisher. Advertising, editorial and production inquiries should be directed to: The Warren Group, 280 Summer Street, Boston, MA 02210. Call 800-356-8805.

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coverLessons Learned from a Holiday ClassicIt’s a Wonderful Life as a Learning Tool for Today’s Banker

Contents

PUBLISHED BY

280 Summer Street, Boston, MA 02210

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186 Duke of Gloucester St.Annapolis, MD 21401

410-269-5977 / 800-327-5977www.mdbankers.com

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8

Online Training for Maryland’s Mandatory Elder Abuse Reporting Law

Last year, senior citizens lost nearly $3 billion to elder financial abuse.1 A joint study on this heinous crime published in June 2011 revealed this astounding statistic and more: • Over a third of the perpetrators who exploit seniors are family, friends or neighbors.1

• Seniors are most vulnerable to financial abuse during the holidays.1

• Most victims are seniors in their 80s who live alone.1

In addition to the new reporting requirements, the 2012 law requires banks and credit unions to establish training programs. Having a training program in place will help employees better recognize signs of potential financial abuse of elder adults and understand the associated reporting obligations.

Ensure your institution is in compliance with the law. Offer your employees a convenient 60-minute BankersEdge course they can take online at their own pace — Maryland Elder Financial Exploitation Detection, Prevention and Reporting. Engaging and informative, this course meets Maryland’s legal requirements and will teach your employees how to: • Recognize indicators of elder financial exploitation • Know how and when to report elder financial abuse cases • Help prevent financial exploitation by taking precautionary measures

MBA members, order your program today!We are pleased to offer this training essential to our members for an exclusive rate of $349. (An annual licensing agreement is required.) To order your program, contact Robin Centerino with BankersEdge at 314.729.0473 x194 or [email protected]. For additional information about BankersEdge training and technology, visit www.bankersedge.com.

Questions?If you have any questions about Maryland’s Mandatory Elder Abuse Reporting Law, please contact Mindy Lehman with the MBA at 443.837.1613 or [email protected]. To learn more about the MBA, visit www.mdbankers.com or call 800.327.5977.

1MetLife Mature Market Institute; National Committee for the Prevention of Elder Abuse; Center for Gerontology at Virginia Tech. The MetLife Study of Elder Financial Abuse: Crimes of

Occasion, Desperation, and Predation Against America’s Elders. June 2011.

NEW REQUIREMENT: As of Oct.1, 2012 Maryland financial institutions must:1) Have an elder financial abuse training program in place, and2) Report suspected cases of elder financial abuse

Online Training for Maryland’s Mandatory Elder Abuse Reporting Law

Last year, senior citizens lost nearly $3 billion to elder financial abuse.1 A joint study on this heinous crime published in June 2011 revealed this astounding statistic and more: • Over a third of the perpetrators who exploit seniors are family, friends or neighbors.1

• Seniors are most vulnerable to financial abuse during the holidays.1

• Most victims are seniors in their 80s who live alone.1

In addition to the new reporting requirements, the 2012 law requires banks and credit unions to establish training programs. Having a training program in place will help employees better recognize signs of potential financial abuse of elder adults and understand the associated reporting obligations.

Ensure your institution is in compliance with the law. Offer your employees a convenient 60-minute BankersEdge course they can take online at their own pace — Maryland Elder Financial Exploitation Detection, Prevention and Reporting. Engaging and informative, this course meets Maryland’s legal requirements and will teach your employees how to: • Recognize indicators of elder financial exploitation • Know how and when to report elder financial abuse cases • Help prevent financial exploitation by taking precautionary measures

MBA members, order your program today!We are pleased to offer this training essential to our members for an exclusive rate of $349. (An annual licensing agreement is required.) To order your program, contact Robin Centerino with BankersEdge at 314.729.0473 x194 or [email protected]. For additional information about BankersEdge training and technology, visit www.bankersedge.com.

Questions?If you have any questions about Maryland’s Mandatory Elder Abuse Reporting Law, please contact Mindy Lehman with the MBA at 443.837.1613 or [email protected]. To learn more about the MBA, visit www.mdbankers.com or call 800.327.5977.

1MetLife Mature Market Institute; National Committee for the Prevention of Elder Abuse; Center for Gerontology at Virginia Tech. The MetLife Study of Elder Financial Abuse: Crimes of

Occasion, Desperation, and Predation Against America’s Elders. June 2011.

NEW REQUIREMENT: As of Oct.1, 2012 Maryland financial institutions must:1) Have an elder financial abuse training program in place, and2) Report suspected cases of elder financial abuse

As this is written, we are coming into the home stretch of a national presidential election

campaign that has been whipsawed by dueling ideologies. The national temperament is one of great uncertainty about who will occupy the White House, and therefore, what the national agenda will be for next year.

The only certainty: Next year is coming. And as members of the Maryland Bankers Association (MBA), there is still a significant amount of planning we can do to set our own local agendas for the year 2013.

Many of you either began or finished your budgets in September. As chairman during this watershed year, one of my main goals is for the MBA to be a timely and relevant source to you, our members, so that you may benefit from your Association’s offerings.

The MBA’s calendar for fall 2012 through summer 2013 includes informational, educational and networking events that can expand your professional universe and help you become better informed about state and federal legislative affairs. The Maryland Banking School, held in August, helps students develop leadership skills and hands-on experiences that reap benefits for their banks. But education and

training opportunities are also available year-round through MBA’s webinars, which offer in-house training for members’ employees.

The annual conference and trade show, BankNext, features industry service providers and honors emerging leaders in the banking industry, as well as spotlights the MBA’s Financial Education Award recipients. A special CFO & Financial Management Forum at year-end focuses on, among other things, high-performance banking. (See page 6 for a quick snapshot of opportunities to help you prioritize your planning for participation in these events. Visit our website, www.mdbankers.com, for more detailed information.)

This latter subject is of increasing importance as our members struggle to enhance their top-line performance to develop new revenue streams and control costs. The MBA’s for-profit subsidiary, Maryland Bank Services, Inc. (MSBI), keeps a roster of Preferred Providers to help members achieve these goals (see page 9). These providers offer our members such diverse tools as integrated payment solutions, marketing services and security solutions; investment and brokerage services that provide more

income; a conduit for member banks to fulfill their federally-mandated CRA requirements; and many more cost-saving methods of improving efficiency ratios.

We have a symbiotic relationship with MBA’s Associate Members and Preferred Providers, who expand their client base by serving our universe of member banks, and who are crucial partners in MBA’s success through event sponsorship, and expertise-sharing.

Additionally, through MBSI’s relationship with the American Bankers Association’s Corporation for American Banking (CAB), and the Independent Community Bankers of America (ICBA), MBA members can avail themselves of additional resources from companies affiliated with these national organizations.

The MBA offers many ways to expand your banking universe and be a partner in your success. Everything you do to address the pressure points that affect your bank will make 2013 a better year. It is this outcome for which we at the MBA work year-round, every year. ■

Mike Middleton is the chairman of the Maryland Bankers Association. Reach him by email at [email protected].


The Useful Universe of the MBA

MICHAEL L. MIDDLETON | MBA CHAIRMAN CHAIRMAN & CEO COMMUNITY BANK OF TRI-COUNTY

Message from the Chairman

6 | The Maryland Banker

To help you with your planning for participation in MBA programs and events. Below are opportunities available for the upcoming year. It also ensures that you are aware sponsorship opportunities.

FALL 2012Annual Washington VisitOctober 3 – 4, 2012Washington, D.C.This event includes a federal legislative briefing from industry experts, opportunities to meet and discuss the industry’s critical issues with the Maryland Congressional delegation, and insights from the CFPB, FDIC and the Federal Reserve Board on the current regulatory environment.

Registration Fee: $299/personHotel Rate: $299/night

Sponsorship OpportunitiesDinner Sponsors: $2,500 Reception Sponsors: $1,500Transportation Sponsor: $850

BankNextNovember 9, 2012 BWI Airport Marriott, LinthicumMBA, in partnership with The Warren Group, offers a full-scale conference and trade show that features various industry service providers as well as educational sessions. The event includes a “C-level” breakfast featuring keynote speaker acting FDIC Chairman Martin Gruenberg and a Next Leaders in Banking Awards luncheon to honor up-and-coming industry leaders, as well as the presentation of the MBA’s Financial Education Awards.

BankNext Registration Fee: $65/personNext Leaders in Banking Awards Luncheon Registration Fee: $75/person, which includes registration to BankNext

Sponsorship OpportunitiesGold Level Sponsorship: $4,995Silver Level Sponsorship: $3,995Bronze Level Sponsorship: $1,295Exhibitor: $1,995

CFO & Financial Management ForumDecember 14, 2012 Inn at Perry Cabin, St. MichaelsThis event is specifically designed for chief financial officers, and focuses on high-level financial topics, such as high performance banking, accounting issues, corporate governance, liquidity, and much more.

Registration Fee: $359/person

Sponsorship OpportunitiesEvent Sponsors: Range: $1,250 – $3,000Exhibiting Sponsors: $950Friend of the Conference Sponsors: $500

WINTER 2013“First Friday” Economic Outlook Forum January 4, 201311:00 a.m. – 2:30 p.m.The Renaissance Harborplace Hotel, BaltimoreThis event showcases economic experts sharing information you need about the future of the region’s economy. It also provides business leaders an opportunity to network with peers and best customers. Featuring: Jeffrey Lacker, president, Federal Reserve Bank of Richmond; Anirban Basu, chairman and CEO, Sage Policy Group; and bank economic experts.

Registration Fee: $125/person

Sponsorship OpportunitiesPlatinum Sponsor: $10,000 Gold Sponsor: $5,000Silver Sponsor: $3,000Patron Sponsor: $1,750

Southeastern Conference ofCommunity BankersJanuary 30 – February 2, 2013 Key West, FloridaThis conference attracts senior management and directors from primarily small to mid-sized community banks and thrift institutions. Attendees from Florida to Maine, and Ohio to Louisiana, attend this three-day conference.

Registration Fee: $525/person Hotel Room Rates: $319/night

Sponsorship OpportunitiesPlatinum Level: $2,750 Gold Level: $1,500Silver Level: $750Bronze Level: $500Event Sponsors: Range: $1,500 – $2,500

Legislative DinnerDate and Location TBD (Normally held in February/March)AnnapolisThe Maryland General Assembly convenes every January for a 90-day session, and bankers across the state attend this event to develop and strengthen relationships with members of the Maryland General Assembly.

Registration Fee: Complimentary

Sponsorship OpportunitiesDinner Sponsors: Range: $1,000 - $2,500 Reception Sponsors: Range: $500 - $1,500Shuttle Sponsors: Range: $250 - $1,000

SPRING 2013Regional MeetingsDate and Locations TBD (Normally held in April)Join the MBA for a recap of the 2013 Maryland General Assembly to hear first-hand of the summary of actions that will be impacting our industry and to learn about new member opportunities and benefits, including ways to stay most engaged in your Association.

Registration Fee: Complimentary

Sponsorship OpportunitiesEvent Sponsors: Range: $500 – $1,500

17th Annual ConventionJune 2 – 5, 2013The Breakers, Palm Beach, FloridaHundreds of bank CEOs, directors, and senior management decision-makers will gather for the annual election of association leadership, educational programs, and networking events, along with a golf tournament and the Chairman’s Night, plus many more activities and events.

Registration Fee: $825/personHotel Room Rates: $275/night (Hotel)

Sponsorship OpportunitiesPlatinum Underwriter: $10,000 Gold Underwriter: $5,000Silver Underwriter: $3,000Bronze: $2,000Event Sponsors: Range: $3,500 – $10,000Golf Tournament Sponsors: Range: $1,000 – $5,000

SUMMER 2013 Maryland Banking SchoolJuly 29 – August 2, 2013The Inn & Conference Center – University of Maryland University College, College Park The Maryland Banking School offers perspectives on forces that shape the financial services industry. Through an emphasis on developing leadership, managerial and technical skills, and creating a resource network, students enhance their individual and corporate performance to thrive in the evolving financial services marketplace.

Registration Fee: $2,395/person (private room)

Sponsorship OpportunitiesEvent Sponsors: Range: $500 – $1,500

Friend of the School Sponsors:Sustaining Member/Institution – Range: $250 – $2,500Individual/Alumni – Range: $25 – $250

MBA Event Calendar Fall 2012 through Summer 2013

Please see page 22 for additional professional development opportunities.

Finding Common Ground

KATHLEEN M. MURPHY | PRESIDENT & CEO MARYLAND BANKERS ASSOCIATION

Message from the President

Recently, MBA Chairman Mike Middleton and I had the opportunity to participate in a roundtable discussion with our state banking trade association counterparts from other parts of

the country. We were asked to discuss challenges and opportunities we were each facing. Following is a recap of the perspectives that we provided from the MBA. We tried to capture the numerous issues that we hear most from our members. The bottom line is that we have a lot in common with other states, both in what is before us, and also in how we are preparing our Associations and our members for the future. I would be interested in your thoughts and feedback, as always.

What are the top three challenges facing the industry? What is your association doing to address them?

Challenge: Regulatory environment and compliance challenges – many things spin off of this, including how the business model is changing due to new capital requirements; new mortgage regulations; elimination of fee income sources; pressure on top-line revenue; squeezing of net interest margins, etc. And this leads to pressures to consolidate, merge or dissolve. Bankers are asking themselves: “How big do I need to be?” OCC regulated institutions are weighing their charter choices.

What is the Association doing to address the challenge? To help our members with the regulatory landscape, we have aligned ourselves with two compliance solution companies, Thomas Compliance Associates, Inc. and ATTUS Technologies. We continue to spotlight our Maryland Bank Services partners and our Associate Members, which provide an array of money-making and money-saving solutions. We are also offering numerous professional development programs to help our members comply. We also are very proactive in keeping our members informed through our various communications vehicles and appealing to our Congressional delegation for relief. We are interacting more intensely with the regulators, participating in forums, being a conduit for our members, staying connected with them. We are also doing modeling around consolidation to attempt to predict what the industry will look like three to five years from now in Maryland so that the Association is anticipating the changes and structuring itself appropriately.

Challenge: State policy environment – Keeping pressures at bay; seeking opportunities for positive change. State law governs foreclosure issues, which continue to be front and center for the industry. States are mandating new reporting requirements like the elder abuse law that passed this year and becomes effective in October. Maryland’s lead paint liability protections were stricken down by our Court of Appeals and many banks are considering not lending on pre-1978 rental properties for fear of exposure in the event they take the loan back in foreclosure. The value of their current inventories is also a worry.

What is the Association doing to address this? Effective advocacy is the MBA’s top priority; we are working year-round on a variety of

legislative, regulatory and judicial working groups on numerous issues. We are dedicating more resources and time to state advocacy. We are also arming our members with information so that they can weigh in with their legislators, and seeking their input on many issues so that we can be the best advocate. We are also seeking opportunities to change Maryland law to improve the banking environment, and passed four pro-banking bills this year. Our media and public relations work is also key to our advocacy effectiveness.

Challenge: Unlevel competitive playing field – Credit union deposit market share has increased in Maryland from 10 percent in 2001 to 20 percent now. Pressure to further weaken lending and capital requirements for credit unions continues to grow. It is difficult to compete with a tax-exempt entity that looks and operates like a bank.

What is the Association doing to address this? Communicating frequently with Congressional members on why credit union business lending authority should not expand. Writing op-eds to debunk the myths; keeping state policy issues at bay, e.g. allowing credit unions to hold state/local government deposits.

What are the top three opportunities you will have over the next two to three years and how do you capitalize on them?

Regulatory/policy environment – Being the best resource we can for our members to help them stay on top of and comply with new laws and regulations through training/education/third party resources/being the insurance policy for the members on their unique issues.

Member engagement – First, we are strengthening relationships with the future banking leaders. We are forming quarterly roundtable peer groups in various regions in the country and creating a Women in Banking Conference to connect with C-suite aspirants. Second, we are providing greater exposure to and awareness of our associate members and preferred partners and seeking other ways to strengthen the MBA value proposition as these organizations are important resources for professional development and for keeping the MBA informed of member issues and challenges.

Health care consortium – In 1994, Maryland law all but eliminated Association health plans due to no economies of scale for employee groups of less than 50 where the premiums are state mandated. However, it is a top priority for the MBA this year to determine how we can address the rising cost of health insurance for our smallest members and to explore formation of a health care consortium for our community bank members with greater than 50 employees to help them manage the rising costs. ■

It’s my honor to serve this great industry. Please contact me at any time to discuss industry issues of importance to you at [email protected] or 443-837-1601.


The class of 2012.

Pictured, left to right: Brian Lewald, TD Bank, N.A.; Jeffrey Weidley, Sandy Spring Bank; Jessica Sturgis, PNC Bank, N.A.; and Amy Eschman, Federal Reserve Bank-Baltimore Branch.


Marcin BieleckiSusquehanna Bank

Kelly Ann Brown*Susquehanna Bank

Jammie CannonThe National Bank of Cambridge

Lee I. Chisholm*Calvin B. Taylor Bank

Amy EschmanFederal Reserve Bank – Baltimore Branch

Traci EspeyHarford Bank

Sharon Blinder Hill*Sandy Spring Bank

Steve KoungCapital One, N.A.

Brian J. LewaldTD Bank, N.A.

Jared J. McLaughlinSusquehanna Bank

Jennifer MurphySusquehanna Bank

Chris Palmer*First United Bank & Trust

Kellie PutmanWoodsboro Bank

Julie Redmond*Community Bank of Tri-County

Jennifer RiceWoodsboro Bank

Jacqueline RichardsonOld Line Bank

Jessica M. Sturgis*PNC Bank, N.A.

Jamisen C. SykesSandy Spring Bank

Jon UlrichThe Bank of Delmarva

Randy WallacePNC Bank, N.A.

Cheryl L. WalshHarford Bank

Jeffrey F. WeidleySandy Spring Bank

*Honors Graduate

37th Maryland Banking School Class of 2012

Thank You To Our Sponsors!

Graduation Luncheon SponsorCapital One, N.A.

Friends of the School SponsorsArundel Federal Savings Bank

Farmers & Merchants Bank

New Windsor State Bank

Slavie Federal Savings Bank

The National Bank of Cambridge

Alumni SponsorsDeborah C. Loudin, class of 2010

Larry M. Magee, class of 2009

HONOR AWARDSBoard of Trustees Award, and Consumer Education Award for Most Consumer Education PresentationsChris PalmerFirst United Bank & Trust

Lilian T. Moffat Award, and Consumer Education Award for Most Consumers ReachedSharon Blinder HillSandy Spring Bank


Maryland Bank Services Preferred Providers

MBSI Helps MBA Members Achieve Greater Value from their Membership!

Maryland Bank Services, Inc. (MBSI), a for-profit subsidiary of the Maryland Bankers Association (MBA), works with qualifed vendors to provide products and services that allow members of the MBA to enhance revenue and/or reduce expenses. MBSI’s Preferred Providers are qualified vendors who can maximize the buying power of Maryland banks and provide the highest quality of products and services. Take full advantage of your membership by contacting one of these Preferred Providers exclusive to MBA members only or contact MBA’s Cindy Gentilcore ([email protected] / 443-837-1602) for more information.

Board PortalsFinancial Services, Inc. (FSI)

Provides banks with Director Access, a secure Internet portal that

provides a convenient, online platform for board members and executives.

Benefits to MBA members: • Connects boards to agendas, minutes, loan

requests, calendars, policies, procedures and other board-related issues.

• Timely and confidential documents accessible anytime, anywhere.

• Saves time by uploading individual documents as they become available.

• Saves money by putting an end to printing, paper costs and eliminating shipping.

Contact: Patrick J. Schunke, President, 201-652-6000 or [email protected]. Website: www.insidefsi.net

BOLI & Compensation PlansEquias Alliance

Enables clients to enhance

shareholder value and manage benefit liabilities.

Benefits to MBA members: • Helps finance costs of healthcare, 401(k)

and other benefit plans.• Can offset costs of supplemental executive

retirement plans.Contact: David Shoemaker, President, 901-754-4924 or [email protected]: www.equiasalliance.com

Check & Marketing SolutionsHarland Clarke

Provides products and services to help

drive revenue and reduce expenses.

Benefits to MBA members:• Check design and printing• Design and production of marketing

services• Marketing analytics services• Mystery shopper services• CheckSmart™ Messaging• ID Reclaim® ServiceContact: Skip Thompson, Director, Mid-Atlantic Region, 703-978-0103 or [email protected]: www.harland.net

ComplianceATTUS Technologies

Understands compliance and prides itself in sharing this knowledge with clients in the form of advanced compliance

solutions.

Benefits to MBA members: • Reduce the administrative expense of

compliance and minimize risk of non-compliance.

• Solutions tailored specifically to meet industry regulations.

Contact: Lee Thomas, Sales Manager, 888-494-8449, ext. 17233 or [email protected]: www.attustech.com

Thomas Compliance Associates, Inc. (TCA)

Unwavering commitment to provide highly professional helpful compliance information and service to its members.

Benefits to MBA members:• Help clients manage their compliance

operations in the most efficient, cost-effective manner possible.

• TCA understands the interaction of compliance, operations, marketing, and customer service, and how those interactions affect the bottom line.

Contact: James F. Dray, President, 800-934-7347 or [email protected]: www.tcaregs.com

CRA SolutionsSenior Housing Crime Prevention Foundation

Serves as a conduit for banks to fulfill their CRA requirements.

Benefits to MBA members:• Positive public relations exposure• Profitable business development

opportunity• CRA credit• No risk, no administrative burdenContact: Peter Gwaltney, Vice Chairman and CEO, 877-232-0859 or [email protected]: www.shcpfoundation.org


Business ContinuityAgility Recovery Solutions

Delivers a cost-effective and easy-to-use disaster recovery and business continuity

services solution.

Benefits to MBA members: • Special member discount on ReadySuite

packages, including:• ReadySuite• ReadySuite 96• ReadySuite 192• ReadySuite Financial

Contact: Joe Bracchitta, Alliance Director, Membership Sales, 203-253-7838 or [email protected]: www2.agilityrecovery.com

Document DestructionCintas Document Destruction Services

Can help banks develop a cost-effective, secure and compliant document

destruction solution.

Benefits to MBA members: • Reduced costs with national account

pricing structure• PCI compliant and NAID AAA certified –

your due diligence has been done• Local flexibility with organizational stabilityContact: Stan Warner, Sales Representative, 240-294-0389 or [email protected]: www.cintas.com

Financial LiteracyEverFi

The nation’s leading financial literacy software company, providing software that

teaches, assesses and certifies students in financial literacy and can help fulfill CRA credit in certain areas.

Benefits to MBA members: • Member-only 20-percent discount • Positive public relations exposure• Marketing to future customer base• CRA credit (for schools sponsored in low-

and middle-income areas)• Private-label program in bank’s nameContact: Ryan Swift, Vice President and Maryland Program Manager, 202-251-2400 or [email protected]: www.everfi.com

Energy ConsultingAffiliated Power Purchasers International (APPI Energy)

Provides superior, independent consulting services that manage and

decrease energy expenses.

Benefits to MBA members: • Customized strategy and plan of action• Ongoing consulting and account service• Minimal time commitment• No upfront costsContact: Jane Seagraves, Business Development Director, 800-520-6685 or [email protected]: www.appienergy.com

Flood CertificationCBCInnovis

Delivers accurate, affordable, dependable

and responsive service to the financial services industry.

Benefits to MBA members:• Special member pricing for the following

products:• One-time flood determination• Life of loan tracking• Home equity tracking• SecondTrac and RefiTrac• HMDA census data• Map copies

Contact: Teri Sizemore, National Sales Executive, 419-660-8589 or [email protected]: www.cbcinnovis.com

Identity Theft SolutionsThumbprint Signature

Used in more than 30 states to help prevent losses from counterfeit or stolen checks.

Benefits to MBA members:• Easy to implement• Inexpensive

• Special member pricing on the following Thumbprint items: touch pads; decals; teller tent cards; and statement stuffers.

Contact: Cindy Gentilcore, MBA’s Senior Vice President, Chief Operating Officer, 443-837-1602 or [email protected]: www.mdbankers.com

InsuranceZurich

The preferred single-source provider of bond and insurance coverage tailored to

meet the needs of financial institutions.

Benefits to MBA members:• Special member pricing for the following

products:• D&O liability• Workers’ compensation• Commercial automobile insurance• Financial institution bond • E&O insurance

Contact: Chris Taylor, Head of Financial Institutions, 410-559-8800 or [email protected]: www.zurichna.com

Investment ServicesInfinex Financial Group

Provides investment and brokerage services to 140 community

banks along the East Coast.

Benefits to MBA members:• Option to become an owner bank.• Lower fees on many services, including

securities clearing, marketing materials and investment research.

• The ability to private label the program at your bank.

Contact: Lee Sauvain, Executive Vice President, 800-218-2827 ext 6156 or [email protected]: www.infinexgroup.com

News, Data & AnalyticsSNL Financial

Gives community banks the same advantages the biggest financial

institutions enjoy. The leading provider of business intelligence is an indispensible and affordable resource for community banks.

Benefits to MBA members: • Comprehensive banking data.• Interest rate data for deposit, consumer

loan, and mortgage products.Contact: Julie Jones, Business Development Manager, 434-951-4419 or [email protected]: www.snl.com


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On-Hold Messaging ServicesWorks24

The number one provider of on hold phone messaging, digital lobby video and overhead lobby

music services exclusively for financial institutions to enhance revenue.

Benefits to MBA members: • On-hold messaging for your phone system.• Digital lobby video marketing content.• Overhead music.Contact: Brian Robinson, Vice President, Sales and Marketing, 800-460-4653 or [email protected]: www.works24.com

Printing & SuppliesOptimum Systems Plus

Understands the complex issues of daily operations

and annual strategic growth and revenue initiatives of the community banking industry by providing cost control/expense management services and revenue-generating products and services.

Benefits to MBA members: • Complimentary analysis of your bank.• Member pricing for: printed products and

office supplies; computer supplies; and inventory management services.

• Marketing assistance.Contact: Wayne Whipple, Director of Business Development, 570-207-5130 or [email protected]: www.optimumsystem.com

Voice & Data TechnologyBITS

A nationwide managed service provider for voice

and data connectivity, exclusively serving community banks.

Benefits to MBA members: • Improved efficiency• Improved security• Cost-savingsContact: Christian Ericson, Chief Marketing Officer, 973-474-1800 or [email protected]: www.bitsnetwork.com

For additional information, visit the ABA’s website at www.aba.com or the ICBA’s website at www.icba.org.

Other Member ServicesMSBI partners with the ABA’s Corporation for American Banking (CAB) and the Independent Community Bankers of America (ICBA) to offer additional member benefits. MBA members receive additional benefits from companies affiliated with these national organizations. Some of these companies include:

continued on page 14


Call It As You See ItCharacter and commitment should start at an early age. In the case of our movie

hero, George Bailey, it starts when he saves his younger brother from drowning. Disregarding risk to himself, he jumps in the frigid water to rescue his brother. As a consequence, he has a hearing impairment for the rest of his life. Also, as a youth, George Bailey works as an errand boy for a local druggist, Mr. Gower. Mr. Gower makes a big mistake in preparing a prescription, and this is noticed by young George. Unable to make his boss understand, he seeks the counsel of his father. Unfortunately, Mr. Bailey is engaged in a discussion with the villainous Henry Potter, and cannot take the time to talk to George. Character comes through to George, when upon hearing Potter berate his Dad, springs to his father’s defense. Unable to receive guidance on his dilemma, he is unwilling to pass the buck and say “it’s not my problem,” and make the delivery of the drug as directed. Instead, he returns to the pharmacy and faces the music with an enraged Mr. Gower. After facing the wrath of the druggist, he is finally able to make him understand his error, and a tragedy is avoided. The strength of young Bailey’s character shows compassion and understanding, as well as discretion in that he never tells anyone about the near calamity.

The following is adapted from a speech in February 2012 by Bill Grant as chairman of ABA’s National Conference for Community Bankers. Bill is also chairman, president, and CEO of First United Bank & Trust.

The classic movie It’s a Wonderful Life hails from a bygone era, but I think it can provide us with valuable lessons for both our personal and professional lives. Good character never gets old. Four truisms from the movie are as relevant today as they were in Bedford Falls in the first half of the last century.•First, it all begins and ends with character and commitment.•Second, service to our communities is a vital part of our mission.•Third, the environment is ever challenging … and that is not going

to change.•Fourth, we can and do make a difference.

Let’s see how these lessons come alive for us in It’s a Wonderful Life.

LESSONS LEARNED from a HOLIDAY CLASSICIt’s a Wonderful Life as a Learning Tool for Today’s Banker


What does this tell us? For parents of young children, character education must begin at an early age with the development of a strong moral compass, which can aid and guide our children in the years to come. It is important to carefully instill these values, and the willingness to stand behind these values and face the consequences.

Take Ownership of the Problem

The movie fast forwards to the next phase of George’s life, when he is now running the Bailey Building & Loan. He has just married, and is on his way to his honeymoon when he discovers that a run is on at the bank. He immediately responds and immerses himself into the crisis, putting both himself and his own resources into the resolution of the crisis. The lesson for us is not that we will need to get our wallet out to avert a crisis. Rather, the level of passion and commitment shown by George Bailey is readily perceived by customers and co-workers alike. His beliefs are contagious, and are essential to winning over the customers. This same level of passion and commitment are essential tools for us in making our banks successful.

George’s worries are not over. A co-worker’s carelessness, coupled with outright fraud by Henry Potter, creates a situation

where the Bailey Building & Loan is slammed by scandal and possible ruin. George’s Uncle Billy absent-mindedly puts the Building & Loan deposit in a newspaper belonging to Potter. Even though Potter quickly notices the error, he does nothing. A frantic search does not turn up the money, and Uncle Billy has to tell George.

Well, George does what any boss might do. He goes off the deep end – but only briefly. After a thorough assessment and investigation, George takes ownership of the problem, and begins looking for solutions. Ironically, one of the possible solutions takes him to Potter. Although Potter is neither forthcoming with the truth or a solution, he shows genuine surprise when George takes responsibility. And so it is with us. As leaders of our companies, we are called upon to be willing to take ownership of problems and challenges that may not be a direct result of something we did. This trait of leadership sets us apart from the “buck passers”, and moves much more quickly towards resolution of the problem.

And so, the first lesson from the movie is one of commitment and character. It is a process that must begin early in life, and build continually through life. It calls us to have strong moral values, a willingness to be accountable for adhering to those values, a passion to do the right thing

continued from page 13

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that will be contagious to others, and a commitment to take responsibility for the success of our institutions in good times and in bad times.

Nurturing Our Communities

The second lesson provided by It’s a Wonderful Life is that service to our communities is a vital part of our mission. Although Bedford Falls is a small town, the lesson is applicable whether we serve Provo, Utah; Midland, Texas; Tuttle, Oklahoma, Oakland, Maryland, or in Olney, Hagerstown, Cambridge or Baltimore.

Throughout the movie, we are struck by George Bailey’s ongoing commitment to the community. This, despite his own personal goal of traveling and leaving Bedford Falls. In one particularly poignant scene, George confronts Henry Potter on the need to provide service to the people of the town. By being familiar with the town, and engaged in many aspects of its life, George knows the financial needs of the town and its people. One example of this is when, through his initiative, affordable housing is brought to Bedford Falls – long before any federal or state mandated program. Most strikingly, George emphasized to his customers that one customer’s savings becomes another

customer’s mortgage. In the decades since the movie came out, we have moved away from that degree of interrelatedness, but it is the glue that holds societies together and it is the backbone of what makes a community bank.

Our second lesson underscores the importance of the communities we serve. Like George, it is important for us to have a genuine interest in improving our communities. This is not possible without a comprehensive understanding of the needs and wants of the community and its people. Unlike George, we have, in today’s world, more resources available to us. We have our own market data tools and engagement in our towns and communities to help us. There is nothing more critical in serving our communities than helping them to learn more about finances.

The Only Thing That Does Not Change … Is Change

The third facet to our movie is the environment is ever challenging … and that is not going to change. Indeed, George moved from one challenge to another, surviving a run on the Building & Loan, an evolving market place, and fraud. Henry Potter operated in the spirit of the robber barons of the late

continued on page 16


continued from page 15

19th century, taking and not disclosing what was taken. In today’s world, tens of thousands of faceless Henry Potters are only a keystroke away. As bankers, we must be ever vigilant to the new threats, and respond appropriately to protect our institutions. George also had his challenges with regulators. As it turns out, the regulator “drops in” right at the height of the crisis and compounds the troubles George is facing. Unlike George, we are more likely to be faced with an army of regulators taking up residence in our institutions for weeks on end. They are there to check on our adherence to an ever-growing list of rules and regulations. Our interaction with the regulators must be much more professional and comprehensive than George’s response.

The lessons we derive from this are that careful and studied planning is absolutely essential in dealing with the ongoing changes in our industry. We must be proactive in developing solutions and responses to the dangers of fraud and the burgeoning amount of regulations that crowd in on our efforts to serve our customers and shareholders. Again, your trade associations can be immeasurable help in providing you and your institution with the tools needed to address these challenges.

Consider the Alternative

The premise of It’s a Wonderful Life is that George Bailey is given the rare opportunity of seeing how the world would have

been, had he never been born. This was brought about in a moment of despair when George, desperate about the scandal, decides that the world would have been better without him. born. In an effort to capsulize this, we compare life with and without George, as it pertains to customers, friends, community and family – four things each of us can identify with.

First, without George, and the lending help of his institution, we see an ugly scene at a rough and tumble bar where Nick is a surly bartender and bouncer. With George alive, we see a compassionate Nick defending George, who is obviously surrounded by a legion of friends and customers.

Again, if George is taken out of the equation, we see a destitute Mr. Gower. After all, George was not there to save him from tragically erroneous prescription. Because George was there, we see a happy, prosperous and truly grateful friend, Mr. Gower.

The community of Bedford Falls, without the influence of George Bailey and the competitive strength of the Bailey Building & Loan slowly slides into a town of honky-tonk, where pursuit of the buck by Mr. Potter is the only thing that matters. The idyllic town is preserved, because there was someone like George Bailey that both knew and cared about his town.

In one of the starkest portrayals, we see that, had George not been around, his younger brother would have perished in the icy waters. Instead, Harry grows up to be a happy and successful man, who is also a war hero.

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So it becomes apparent to George that he does, in fact, make a difference.

And so it is with us. The lessons we can take from this classic movie are:

• Careful and studied planning is essential.

• We must work proactively to develop solutions for our banks and our communities.

• We must be very involved and engaged in the process.

• Something we have to help us – and that George Bailey did not have – the Maryland Bankers Association.

• We can and do make a difference.

Armed with this realization, and his character intact, George returns to face the consequences of the scandal. This time, the town responds in abundance, and the entire scandal, with its attendant consequences, vanishes. George is happily reunited with his family, as his brother proclaims him the richest person in town – not in the terms of wealth, but in what he is and what he means to his community.

We will not have the opportunity of seeing what the world would be like had we never been born. I will be bold enough to predict that for everyone in the banking industry, the difference could be as stark as it was for George Bailey. Do not underestimate what you mean to your customers, your friends, your communities, and most importantly, your family. Having chosen a career in banking, you have chosen a noble profession wherein you can have significant impact on the success and well being of your customers and your communities – far more than most other professions, and do not let anyone tell you differently. The character and values you must have to be a successful banker are likely those which will cause you to have deep and meaningful friendships with people who come to respect and trust you for the kind of person you are. These same qualities equip us with the skills and values necessary to develop life-long relationships with our spouses and serve as walking, talking lessons in the character for our children.

When you look at it, it really is “a wonderful life.” ■


Financial Services, Inc. (FSI) has been providing turnkey solutions for its customers since 1954. FSI is one of the largest independently owned data processing and item processing solution providers

to the banking services industry. It is committed to a complete, worry-free integration of its products and services. Whether through its core banking systems, internet, bank by phone services, item processing capabilities, hardware sales/support division or other customer centric services, FSI offers a turnkey solution that enables banks to do what they do best – banking.

FSI’s Director Access is a secure internet portal that provides a convenient, online platform for board members and executives. Director Access connects you and your board to agendas, minutes, loan requests, calendars, policies, procedures and other board-related issues. Access timely and confidential documents anytime, anywhere. Optionally, Director Access tracks and archives user information, providing an audit trail for accountability and documentation in accordance with regulatory compliance requirements. Your institution Saves Time by uploading individual documents as they become available and Saves Money by putting an end to printing, reducing ink and paper costs. Shipping charges are eliminated. For more information on Financial Services, Inc. contact: Patrick J. Schunke, president, at 201-652-6000 or [email protected].

ATTUS Technologies has been serving as a trusted advisor in compliance since 1998, offering more than 5,000 clients compliance software and solutions that help them adhere to regulatory requirements.

ATTUS understands compliance and prides itself on sharing this knowledge with our clients in the form of advanced

compliance solutions that Reduce the administrative Expense of compliance and minimize risk of non-compliance. Their solutions are tailored specifically to meet the regulations in the banking industry. For more information on ATTUS Technologies contact: Lee Thomas, sales manager, at 888-494-8449, ext. 17233 or [email protected]. Thomas Compliance Associates, Inc. (TCA) is one of the

fastest-growing consulting firms in the financial industry. That growth is the result of the company’s unwavering commitment to provide highly professional helpful compliance information and service to its members.

TCA’s goal is to help clients manage their compliance operations in the most efficient, Cost-Effective manner possible. Therefore, TCA Associates are professionals who understand the interaction of compliance, operations, marketing, and customer service, and how those interactions affect the Bottom Line. They know the business of compliance.

The core of their success is a unique ability to connect with their clients, who in turn benefit from TCA’s connection with the financial industry and its regulators. For more information on Thomas Compliance Associates, Inc. contact: James F. Dray, president, at 800-934-7347 or [email protected].

Members in the Community Bill Couper Awarded the 2012 Lifetime of Idealism Award

For his lifetime of charitable and community engagement, City Year Washington, D.C. awarded Bill Couper, Mid-Atlantic president for Bank of America, with the 2012 Lifetime of Idealism Award. Couper has worked in the banking industry in the greater Washington, DC, and Baltimore areas for 40 years.

Throughout his career, he has dedicated himself to giving back both

personally and professionally through a variety of channels. At Bank of America, he leads product and service delivery integration for all business segments to bring the full resources of the company to clients and communities across Maryland, Virginia, the District of Columbia, North Carolina, and South Carolina.

In addition, he is the CSR regional executive in the Mid-Atlantic and serves as the senior leader for the bank’s management team for community and civic activities. In that role, he oversees Bank of America’s philanthropic support to hundreds of non-profit organizations across the region, including City Year Washington, DC.

Welcome New Preferred Providers


News & Notes

Bill Couper

2012 Maryland BankPAC Contributors as of July 2012 Includes banks whose employees have made individual contributions in 2012 Baltimore County Savings Bank Bank of Ocean City Bay Bank, FSB Calvin B. Taylor Banking Company Chesapeake Bank of Maryland CNB Community Bank of Tri-County County First Bank EagleBank Farmers and Merchants Bank First United Bank and Trust Frederick County Bank Hamilton Bank Harford Bank Homewood Federal Savings Bank Howard Bank M&T Bank Maryland Financial Bank Monument Bank New Windsor State Bank OBA Bank Old Line Bank Prince George’s Federal Savings Bank Provident State Bank Queenstown Bank of Maryland Revere Bank Rosedale Federal Savings & Loan Association Sandy Spring Bank Shore Bank Slavie Federal Savings Bank SunTrust Bank (Good Gov’t Mid-Atlantic PAC) Susquehanna Bank The Bank of Glen Burnie The Columbia Bank (Fulton PAC) The National Bank of Cambridge The Peoples Bank Woodsboro Bank For more details on how your bank can participate in Maryland BankPAC, please contact Maryland BankPAC Treasurer Lynn Mitchell at 443-837-1603 or [email protected].

Maryland Bankers Present Maryland BankPAC’s Fair Share Contribution at ABA’s Leadership Meeting

As an affiliated PAC, Maryland bankers presented Maryland BankPAC’s fair share contribution at the American Bankers Association (ABA) Leadership Meeting in Chicago in July. Eighty-six percent of National BankPAC funds are generated by the state association-affiliated PACs and are redeployed in the states in conjunction with the state bankers associations. The national fundraising goal is $2 million by year-end.

M&T Bank Receives Award for Leadership in Supporting Small Businesses in Maryland In June, the Maryland Chamber of Commerce hosted its 2012 Small Business of the Year Awards luncheon. The awards luncheon is designed to recognize the dedication, innovation and entrepreneurial leadership displayed by small businesses in Maryland. M&T received the “Large Company Partner in Business” award. APPI’s Carven and Hanna Awarded CEP Certification Deborah Carven and Carolyn Hanna, senior energy consultants at APPI Energy, were recently awarded the Certified Energy Procurement Professional (CEP) certification. CEP certification recognizes them as qualified experts in the energy industry.


Pictured, from left: Rick Miller, president and CEO, Woodsboro Bank; Mike Middleton, MBA chairman, and chairman and CEO, Community Bank of Tri-County; Albert C. “Kell” Kelly, chairman, ABA, and president and CEO of SpiritBank in Bristow, OK; Kathleen Murphy, president and CEO, MBA; and Bill Grant, chairman, president and CEO, First United Bank & Trust.


Harford Bank’s Osborn MACHA Scholarship Recipient Sandra Osborn, vice president, Harford Bank, was selected by the Mid-Atlantic Payments Association (MACHA) as one of two recipients who received The Payments Institute Scholarship Award, receiving a full paid scholarship to The Payments Institute that was held July 15-18 in Austin, Texas. The Columbia Bank’s ‘Like’ to Eat? Food Truck Tour and Opening of Two New Branches

With the growing popularity of food trucks, The Columbia Bank partnered with five food truck vendors this past June to bring free food to the local community. The “Like” to Eat? Food Truck Tour kicked-off their customer appreciation events which are held at various branch locations throughout their footprint. Participating vendors were:

• Dave’s BBQ and Catering• IcedGems Cupcakes• Holsinger’s Meats and Deli• Carmen’s Italian Ice & Cafe• Go Fish

The Columbia Bank plans to open two new full service branch banking offices this fall in the Anne Arundel County marketplace, located at Waugh Chapel South in Gambrills and at Seven Oaks Shopping Complex in Odenton. These offices will represent the 39th and 40th branches in The Columbia Bank’s network and will join a full service branch in Anne Arundel County positioned at Arundel Preserve in Hanover.

ICBA Independent Banker Magazine Recognizes Exceptional Community Lenders

Tracy McQuoid, manager of lending operations for Arundel Federal Savings Bank, was one of five community bankers who ICBA recognized as exceptional lenders who represent the best and brightest in the community banking industry. McQuoid, along with others recognized, were nominated by their peers on the basis of their knowledge, professionalism and integrity.

Maryland Division of Financial Regulation Receives Certificate of Accreditation

The Conference of State Bank Supervisors (CSBS) announced that the Maryland Division of Financial Regulation (DFR) has received a certificate of accreditation, certifying that the DFR maintains the

standards and practices in state banking supervision set by CSBS’s accreditation program. The Maryland DFR first received CSBS accreditation 20 years ago this July and continues to maintain the highest levels of bank supervision in the country.

“It has always been our goal to provide the highest standards of bank supervision and regulation in the state of Maryland,” said Mark Kaufman, Maryland commissioner of the Division of Financial Regulation. “Receiving this reaccreditation, particularly given the challenges faced by financial institutions and regulators alike in recent years, validates the quality work of the DFR staff and affirms our commitment to the communities we serve.”

Sandy Spring Bank’s President and CEO Dan Schrider Accepts Dairy Dare at the Howard County Fair

This year’s Howard County Fair’s milking contest was held on Aug. 5 at the livestock pavilion. The 4-H club challenged the various financial institutions that support the fair and 4-H to a milking contest. Dan Schrider, president

and chief executive officer, represented Sandy Spring Bank.The rules were simple: milk a cow for five minutes and

whoever had the most milk collected won. Having little to no experience milking cows, Dan received hints and pointers from the crowd, as well as expert advice from the 4-H kids. Each contestant was asked to name his cow and the Sandy Spring Bank designated cow was christened “Gusher.”

Amid oppressive heat and humidity, cheering crowds, some kicked-over buckets, extremely patient cows, and novice dairy milking hands, the results were in Sandy Spring Bank’s favor. Collecting close to double what the other participants gathered, Dan had nearly 3.5 pounds of milk; it is good to know the multiple talents of the bank’s top executive.

“We have supported the 4-H community for decades,” said Dan. “I had great fun participating in the milking contest. Having my whole family come out and cheer me on as well as many employees from the bank and their families really shows the community spirit and involvement so apparent in our company.”

News & Notes continued from page 19

Dan Schrider and “Gusher” the cow.


Robin L. Weisse Mitch Phillips Mark S. Zinnamosca Jeanne Kelly-RiekenDebi L. Stephens Brian L. Compton Bruce A. Hollander

Members on the MoveCarroll Community Bank Elects Weisse and Zinnamosca as New Board Directors

Robin L. Weisse is a lawyer and has been licensed to practice law in the State of Maryland since 1982. Weisse is a member of the Maryland State Bar Association, National Academy of Elder Law Attorneys and past president of the Carroll County Bar Association. She has been a partner of Weisse Miller Law Group, concentrating on estate planning, estate and trust administration and elder law, since July 2010. She is also owner of Weisse Group, LLC, a consulting group which analyzes emerging technology trends, which she formed in August 2008. Prior to that, Weisse was a partner of The Law & Mediation Center, LLP from 1989 to 2008.

Mark S. Zinnamosca is a certified public accountant and has been the owner of Westminster-based Zinnamosca & Associates CPAs ince 2002. Zinnamosca has extensive experience in accounting, auditing, tax and management consulting for various businesses and industries. He is a member of the American Institute and Maryland Association of Certified Public Accountants. Zinnamosca has 18 years experience coaching youth and high school programs and is a member of BNI Westminster Chapter.

Bruce A. Hollander, vice president and commercial banking officer at OBA Bank, was appointed to the board of directors of Leadership Howard County and will also chair the General Membership Steering Committee. Hollander is a 1999 Leadership Howard County graduate.

Thomas J. Huber Jr., joins TD Bank as a commercial lender, Maryland region, in commercial banking in Calverton. He is responsible for providing a range of lending services to middle-market companies and not-for-profit organizations throughout the Greater Baltimore Metro area and surrounding counties. Huber has more than 30 years of experience in banking, lending and finance. Prior to joining TD Bank, he served for a number of years in a similar role at SunTrust Bank.

TD Bank also named Debi L. Stephens as store manager and vice president in Essex. She is responsible for new business development, consumer and business lending, managing personnel and overseeing

the day-to-day operations at the store serving customers throughout Essex and White Marsh. Stephens has 21 years of banking experience with expertise in finance, real estate, insurance and mortgage. Prior to joining TD Bank, she served as a store manager at Wells Fargo.

Mitch Phillips, senior vice president of commercial banking for The Columbia Bank, was appointed to the board of directors of the Howard County Chamber of Commerce. Phillips has been involved with the chamber for 37 years and plays an active role in the local community. He participates in several organizations including Rebuilding Together Howard County, Shepherd of the Glen Lutheran Church, Maryland Camaro Club, and Muscular Dystrophy Association.

Jeanne Kelly-Rieken joined The Patapsco Bank as senior vice president of retail delivery. Her responsibilities include overseeing all branches of the bank, financial services, marketing and public relations. Kelly-Rieken began her banking career in 1979. Her experience is extensive, having worked with a number of banking institutions within the Baltimore/Washington corridor, including PNC Bank and Suntrust Bank. She is also a Maryland Banking School graduate.

Tom Olin joined OBA Bank as a vice president and commercial banking officer. Olin will be based in the Rockville office where he will assist in developing the bank’s commercial construction lending efforts as well as originating commercial real estate loans. He has spent over 22 years in the banking industry in and around Washington, DC.

Brian L. Compton, vice president and business banking sales manager at PNC Bank, recently graduated from the American Bankers Association Stonier Graduate School of Banking in Philadelphia. “Stonier has given me an unparalleled education from the best experts in the financial services industry as well as the chance to exchange information and ideas with my peers,” said Compton.

EagleBank’s chairman and CEO, Ronald D. Paul, was appointed to the Independent Community Bankers of America (ICBA) Large Community Bank Council. The council, which has evolved over the last three years, meets to discuss unique issues that affect larger community banks (defined as community banks with approximately $1 billion or more in assets).


SPECIAL EVENTS

2012

November 9 BankNextNovember 29 FDIC Directors College – CambridgeDecember 14 CFO & Financial Management Forum

2013

January 4 “First Friday” Economic Outlook Forum

October 10 Corporate Governance and Board Considerations (GSB)

November 29 FDIC Directors College – CambridgeDecember 14 CFO & Financial Management Forum

Finance

September 17 Analyzing Bank Performance (AIB)Sept. 23-28 Financial Managers School (GSB)

General Banking

September 24 Economics for Bankers (AIB) Principles of Banking (AIB) Money and Banking (AIB) Supervisor Certificate (AIB)October 9 Law & Banking: Principles (AIB) Principles of Banking (AIB)October 15 General Accounting (AIB) Law & Banking: Applications (AIB)October 22 Principles of Banking (AIB)November 9 BankNext

Lending

September 17 Basic Consumer Lending – Part 1 (Webinar)

September 24 Basic Consumer Lending – Part 2 (Webinar)

October 2 & 9 Successful Workout Strategies for Problem Loans (GSB)

October 9 Analyzing Financial Statements (AIB)

Introduction to Agricultural Lending (AIB)

October 22 Consumer Lending (AIB)October 29 Introduction to Mortgage Lending

(AIB)

For detailed and updated information on all professional development programs, visit the Calendar section of the MBA’s website at www.mdbankers.com.

Maryland Bankers AssociationProfess ional Development Calendar

November 5 Analyzing Financial Statements (AIB)

Marketing

November 15 Leveraging the Power of the Mobile Device (GSB)

Security & Technology

September 18 Security Management Seminar – BWI Area

October 25 Proactive IT Security Self-Defense (GSB)

October 28 – November 2

Bank Technology Management School (GSB)

October 31 IT Audit for Community Banks (GSB)

November 1 Penetration Testing: Start-to-Finish (GSB)

November 15 Hacking Headlines (GSB)

Trust

September 26 IRA Beneficiary Distributions (GSB)

October 1 Introduction to Trust Products and Services (AIB)

October 3 IRA Conversions and Recharacterizations (GSB)

December 3 Basic Administrative Duties of a Trustee (AIB)

SEMINARS, WEBINARS, SCHOOLS, AND ONLINE TRAINING Compliance

September 20 2012 Mortgage Update B to Z (PBS)

November 6 IRS Reporting Requirements for Deposit Forms (Webinar)

November 6-7 Compliance with Federal Lending Regulations (PBS)

November 8 Mastering HMDA – BWI Area (PBS)

November 8 IRS Reporting Requirements for Loan and Miscellaneous Forms (Webinar)

November 14 Deposit Documentation – Baltimore (PBS)November 15 Deposit Documentation – Easton

(PBS)November 16 Implementing the New CTR and SAR

– BWI Area (PBS)

Executive Management & Directors

October 3-4 Annual Washington Visit

A Local ABA Training Provider

Our Focus is on Your SuccessAs a cooperative, FHLBank Atlanta is keenly focused on helping our shareholder banks succeed. We do this by being a reliable resource of sound counsel and low-cost, customizable funding products many institutions cannot get anywhere else. Working in partnership with our shareholders, we help make homeownership affordable, local communities thrive, and the U.S. financial system stronger. To learn more about the value we can offer your institution, visit our website or call us today.

www.fhlbatl.com 1.800.536.9650 Ext. 8011

Diebold ATM security. Not like a security guard, like a security army.

With losses at $1 billion a year, threats to ATM security are increasing and alarming. It’s why Diebold is relentlessly proactive with an entire team dedicated to keeping its customers

safe. From ATM security alert e-mails and ATM educational seminars to developing security solutions that combat sophisticated attacks, Diebold delivers a multilayered security

approach. It’s another example of Diebold doing more to build the relationships that have inspired us to become security leaders and innovators for more than 150 years.

For the entire story, visit www.diebold.com/boldsecurity.

1.800.806.6827 www.diebold.com [email protected]

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