Volume 70, Number 3 • THE NEWSPAPER OF THE MISSOURI BANKERS ASSOCIATION • Thursday, March 20, 2014

The Missouri Banker

Visit our web site at http://www.mobankers.com

The Missouri Bankers Association has signed a partnership agreement with SNL Financial. The company is the leading provider of financial data and analytical tools on the financial services industry, including coverage of more than 20,000 commercial banks. Today’s community banks face a mount-ing number of new challenges including pricing pressures, regulatory demands, fierce competition and shifting customer demo-graphics. SNL Financial offers tools that help banks thrive within a challenging economy. SNL Unlimited is one of the services offered by MBA’s new business partner. SNL Unlimited provides a single resource for powerful peer, performance, branch and market analyses. Intuitive tools help bankers:

• Evaluate performance and balance sheet ratios relative to peers

• Better understand competitor branches, deposits and market demographics

• Assess potential mergers and acquisitions• Prepare for board, investor and regulator

meetings • Compare deposit and loan rates at banks

and credit unions SNL will offer MBA members a 10 per-cent discount on any new SNL Unlimited subscription. If you’re interested in exploring how SNL could boost efficiency and profitabil-ity at your bank, please contact SNL Busi-ness Development Manager, Julie Jones, at 434.951.4419 or at JJones@SNL.com.

SNL Financial becomes MBA endorsed business partner

Meeting June 4 to 6 in Branson2014 Convention to feature keynote by Sabato Dr. Larry Sabato, di-rector of the University of Virginia Center for Politics, will open MBA’s 2014 Annual Convention with a keynote address on “Sabato’s Crystal Ball.” Sabato’s slogan is “Poli-tics is a good thing!” In July of 2008 he correctly pro-jected that Barack Obama would win the Presidency in a near-landslide. He predict-ed a 364-174 margin in the Electoral College, just one vote away from the final tally of 365-173. He also forecast President Obama’s exact 53 percent popular vote margin. He has accurately pre-dicted 98 percent of the U.S. Senate, U.S. House and Gov-ernor winners in 2006, 2008, 2010 and 2012. In 2013, Sabato’s weekly e-newsletter, the “Crystal Ball” was named one of the six best political websites by The Daily Beast. Sabato has authored 24 books and countless essays on politics. Last fall his most recent book, “The Kennedy Half-Century,” was released on the 50th anniversary of President Kennedy’s assas-

sination. In 2013, Sabato won an Emmy Award from the National Academy of Television Arts and Sciences for the documentary “Out of Order,” which he produced to highlight the dysfunctional U.S. Senate. Sabato’s keynote will be at 8:45 a.m. on Thursday, June 5. The Convention will run from June 4 to 6 in Bran-son at the Hilton Branson Convention Center. Dr. Elliot Eisenberg, former senior economist with the National Association of Home Builders, will share his views on the economic forecast in a general ses-sion on Thursday morning. Eisenberg’s research and opinions have been featured in Bloomberg, Business Week, Forbes and Fortune. He writes a daily 70-word commentary on the economy that is available at www.econ70.com. Breakout sessions will be:• “How Effective Succes-

sion Planning, Talent Management and Board Education will Drive Success” by Donald Musso, president, and Scott Polakoff, executive managing director, Fin-Pro, Liberty Corner, NJ

• 2014 M&A Update: Getting Your Deal Done in the Current Environ-ment” by Joseph T. Porter, Jr., and Paul J. Cambridge, Polsinelli PC, St. Louis.

• “Compliance Update” by Chuck Lewis and Denny Deischer, Missouri Bankers Association.

Speakers on Friday will include Missouri Com-missioner of Finance Rich Weaver giving an update on banking in Missouri and ABA Treasurer Gary Hem-mer giving an ABA update. Congressman Blaine Luetke-meyer from Missouri’s Third Congressional District, will give a Washington update, and Esther George, president

of the Federal Reserve Bank of Kansas City, will give a Federal Reserve message. Dr. Jason Selk, Enhanced Performance, Inc., St. Louis, will speak at the closing ses-sion on “Relentless Solution Focus (RSF): The Ultimate Measure of Mental Tough-ness.” He will explain how to use the tool that allows individuals to overcome all obstacles of achievement. RSF is a concrete and proven method of increasing indi-vidual health, happiness and success and by extension produces organizations that are healthier, happier and more successful. The Convention agenda also includes election of offi-cers and recognition of MBA

Century Banks during the Thursday morning business session. The Convention lun-cheon on Thursday will in-clude the induction of MBA 50 Year Club members. Social activities planned are an opening reception, dinner and entertainment on Wednesday evening in the exhibit hall. The Chairman’s Dinner with the installation of new officers and entertainment will be on Thursday evening. The Convention brochure is not available, however there is a registration form available on the MBA web-site at www.mobankers.com, or you can call the MBA at 573-636-8151 for more information.

Dr. Larry Sabato

Page 2 The Missouri Banker March 20, 2014

Address changes Changes in addresses for The Missouri Banker can be mailed to the MBA at P.O. Box 57, Jefferson City, MO 65102, Attn: Database Manager or e-mailed to database@mobankers.com

The Missouri Banker573-636-8151

Max CookPublisher

cmcook@mobankers.com

Sue NorfleetEditor

snorfleet@mobankers.com

The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published 12 times a year (once a month) by the Missouri Bankers Association, 207 E. Capitol Ave., Jefferson City, MO 65101. Second-class postage is paid at Jefferson City, Mo. Copyright© 1998 by the Missouri Bankers Association. All rights reserved. POSTMASTER: Send address changes to The Missouri Banker, P.O. Box 57, Jefferson City, MO 65102. Opinions expressed in any signed article in The Missouri Banker are those of the author and should not be construed as the viewpoint of the editors or of the Missouri Bankers Association. Neither should information provided in The Missouri Banker be construed as legal advice. The Missouri Banker does not provide legal advice, nor does it take the place of legal counsel hired by financial institutions. While this publication makes a reasonable effort to establish the integrity of advertisers, it does not endorse advertised products or services, unless otherwise so stated. This issue may contain legislative advertising. Advertising copy is generally segregated from news and other information.

By Stephanie KalahurkaOf CounselSpencer Fane Britt & Browne LLP If you look back at all of the regulations, guidance and enforcement actions over the past year, you will notice a very distinct trend. More and more banks are being held responsible for the acts of others. For the

acts of their customers. For the acts of their service providers. For the acts of completely unrelated third-parties with whom banks choose to do business. In this regulatory environment, the consequences of not minding everyone else’s business can be devastating! Here are just a few examples.Example – Mind the business of your customers In September of last year, the FDIC released a Financial Institution Letter (“FIL”) entitled, “FDIC Supervisory Approach to Payment Processing Relationships with Merchant Customers That Engage in Higher-Risk Activities.” In that release, the FDIC reminded banks that providing payment processing services (directly or indirectly) to higher-risk merchant customers requires heightened risk assessments, additional diligence and active ongoing monitoring. The FIL warned banks that they could be exposed to financial or legal risk should the legality of their customers’ activities be challenged. We have seen the costly results of this type of risk exposure in a number of recent enforcement actions. One glaring example is the Department of Justice’s civil action against the First Bank of Delaware. There, the First Bank of Delaware was subjected to concurrent $15 million penalties by the FDIC and FinCEN, along with a $15 million settlement with the Department of Justice. As a basis for the action, the regulators alleged that the bank was processing purportedly fraudulent payments on behalf of its banking customers and, in

continuing to process those payments and collect its fees, the bank did not perform the types of diligence, risk management and other activities required under the Bank Secrecy Act and recommended by applicable regulatory guidance (such as in the above-referenced Financial Institution Letter). More recently, Four Oaks Bank out of North Carolina settled with the Department of Justice for $1.2 million as a result of similar allegations.Example – Mind the Business of your Service Providers Last year, the CFPB, Federal Reserve and the OCC all issued new or updated guidance on managing outsourcing risks. The recurring theme of all this new guidance is that banks will be held responsible for ensuring the activities of vendors and service providers comply with applicable law and are consistent with safe and sound banking practices. The new outsourcing issuances are similar to the FDIC’s payment processing guidance in that they emphasize the need for banks to implement third-party risk-management programs that address risk assessments, due diligence, standards for third-party contracts and ongoing monitoring. And here again, there is ample evidence of regulatory willingness to enforce the principles of the guidance. During 2013, the CFPB (sometimes joining with other regulators) ordered multiple financial institutions to pay more than $500 million in aggregate restitution and civil monetary penalties to settle allegations that banks’ third party vendors used “deceptive practices” to pressure or mislead consumers.

Example – Mind the Business of your Business Partners In March of last year, the CFPB issued a Bulletin on Indirect Auto Lending. In that Bulletin, the CFPB clarified that banks will be held responsible for fair lending violations by third-party auto dealers from whom banks purchase auto loans. In particular, banks will be responsible for pricing disparity resulting from dealer discretion in marking-up loan rates offered to auto purchasers. The Bulletin directs banks to control dealer mark-up policies, monitor and address the effects of dealer mark-up policies and, in general, to ensure third-party dealer compliance with the Equal Credit Opportunity Act. In December, the CFPB made good on its threats when it and the Department of Justice ordered Ally Bank to pay $80 million in damages to borrowers whose auto loans Ally Bank had purchased. Importantly, the enforcement action was not based upon Ally Bank’s own discriminatory acts, but instead, upon alleged discrimination by the third-party dealers from whom Ally Bank purchased loans. Interestingly, the Ally Bank consent order clearly reflects that the alleged discrimination was caused by loan mark-ups by and in the discretion of the auto dealers. Nonetheless, the CFPB’s blog headline announcing the order stated: “Ally to repay $80 million to consumers it discriminated against.” If only the CFPB had to answer for its own deceptive and misleading statements.The message and the take-away The obvious message

from the above-described regulatory actions (and many more like them) is that banks can no longer simply mind their own business and expect to avoid criticism. Banks must now take an active role in the business of others—monitoring the activities of customers, service providers and business partners to ensure that those parties also follow the law, and further, that they do not operate in a manner that might harm an unwary consumer. Banks should review and update existing vendor and service provider management policies to ensure they are proactively auditing performance. As a part of this exercise, banks should also review new and existing vendor contracts to ensure they permit auditing rights, contain appropriate indemnification and, in general, do not hinder a robust third-party risk management program. Unfortunately, compliance in the area of third-party risk management is likely to be viewed in hindsight. That is, if it is subsequently determined that your customer, vendor or business partner violated the law and you didn’t catch it, your controls would probably be deemed lacking and so your bank may be held responsible. It’s a standard that guarantees safety to none. Still, the take-away is that those who follow the guidance and implement proper diligence and controls will be on firmer ground than those who do not. Risk assessment, due diligence and careful monitoring will be the themes for 2014. It’s time to start poking your nose into everyone’s business . . . or else!

2014 message from regulators:Mind your business AND everyone else’s

Page 3The Missouri Banker March 20, 2014

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Lobbyist’s Update

Craig OverfeltMBA Senior Vice Presidentcoverflet@mobankers.com

Following a much needed break, state lawmakers begin the second half of this year’s session on March 24. April and May are extremely busy months for anyone involved in the legislative process.

Each session there is a new issue, one the MBA lobbying team has not dealt with in past years. This year is no exception.

The new issue is general obligation bond issues and how those are structured. The legislation is based on an audit performed by State Auditor Tom Schweich. This is not the first audit report on this subject but it is the first time the recommendations

of an audit have resulted in a legislative proposal that was advancing through the process. MBA is strongly opposed to this legislation, along with the MIBA, several bond underwriting firms, the public school organizations and municipal and county organizations. In spite of this strong opposition, a House committee approved a substitute bill for debate on the House floor. Any time one has to lobby the entire 163 member House it is a daunting challenge!! Banker grassroots contact is needed with your member

of the Missouri House and it is needed as soon as possible. It is quite shocking to bankers that a proposal like this one is even under consideration. Bankers are experts at working in their local communities with school districts and political subdivisions. Those days are over, or will be extremely limited, if House Bill 1769 becomes law. The basic concept of the bill sounds good — competitive bidding is how bonds should be issued and sold. Most Americans believe in competition and a free market economy. But in this case we believe it is important to maintain the

discretion to choose between competitive and negotiated sales, and that a process that mandates competitive bidding will move this business from Main Street and community banks to Wall Street. MBA expresses its appreciation to Ken Bretthorst for his excellent testimony and background material on the issue. It is never easy to testify before legislative committees, especially when one has no experience doing so. Please thank Ken next time you see him for taking the time to shed some light on a complicated issue. Filing ends for the 2014

elections on Tuesday, March 25. MBA is surprised at how many lawmakers are not seeking re-election even though under term limits they could run for office again. Nine House incumbents and one Senate incumbent are returning to private life. In addition to that, several House members are seeking Senate seats. As a result, there is going to be another large turnover in the Missouri House this election cycle. Banker involvement, getting to know the new legislators, and continued support of MBA PACs is as important as ever.

Legislature on break, reconvenes March 24

Page 4 The Missouri Banker March 20, 2014

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By Chuck LewisVice PresidentMBA Compliance Services For those of you famil-iar with the writer Mitch Albom’s books, his recent book is titled “The First Phone Call from Heaven.” Without spoil-ing the book for those that haven’t read it, it’s a very interesting read about beliefs and the possibilities of after-life. I finished the book and wondered who my first call from heaven would be. And because being in banking compliance full time causes people like me to go to our “happy place” fairly often, I thought – wouldn’t it be great if my call was from my com-pliance mentor, Jack. He was the gentleman I was assigned to back in the mid-70s when banking regulations were just start-ing. Jack passed away several years ago, so my little fantasy

Heaven call from him would go something like this: [phone ringing] Chuck: Hello, MBA Com-pliance Services. Jack: Hey Dummy (we were very close!), it’s Jack!! Chuck: Jack!!! You’re kid-ding!! You’re calling me from heaven!?!?!? Jack: Yeah, we don’t get very good reception up here with the stuff the regulators put out, so I was just won-dering how in the world the banking regulation situation is going!! Chuck: Jack, you wouldn’t believe it. When you were alive, did you remember two Congressmen named Dodd and Frank?? Jack: No, I think the last names I remember before I departed were named Graham or Leach or Bliley or some-thing. Chuck: Well, Graham, Leach and Bliley were minor authors of legislation com-pared to this new stuff. Did you know that Congress passed a law that tells banks how to underwrite consumer

mortgages?? Congress!!!! Jack: Wait a minute – the same guys that haven’t bal-anced the budget since I was on earth!?!?? They wrote a law telling banks how to un-derwrite consumer mortgage loans!?!? Chuck: Yep. And you wouldn’t believe some of the other provisions: variable rate notices furnished seven months prior to a rate change; a list of counseling agencies that must be furnished to people when they apply – not when they quit paying; can’t touch a delinquent borrower for 4 months after they quit paying. Oh and I don’t know how long your heaven call minutes run, but wait until you hear about a QM!!! Jack: Nah, I don’t want to talk about mortgages. Any other interesting develop-ments?? How about Bank Secrecy; have they abolished that rule yet? Chuck: No, not quite. In fact now a bank’s BSA record, or lack thereof, can negate its opportunity to buy or merge with another institu-

tion!! Jack: Holy Moley!! And I thought it was a silly law that had to do with writing hor-rible criminals up that used or bought marijuana!!! Chuck: Well, funny story about that subject. You can actually purchase marijuana legally in a couple states now. Jack: No!!!! What else? Are people still getting mar-ried? Chuck: Well yeah, but it’s a little different from what you may remember. Jack: But a spouse can still guarantee a loan for their mate can’t they?? Good grief, tell me they can still do that!!!?!? Chuck: Let’s skip that question. We’re still dealing with the same old issues – flood, HMDA, CRA, etc. Jack: Thank goodness we don’t have all that regula-tion stuff up here. Actually, residents get along pretty well. I’m going to let you go now, but remember this – as long as lenders can make loans without being licensed and free checking is available

for everyone and an occasional overdraft is paid, life as a banker should be pretty good – right!??!? Chuck: Right. Thanks for calling Jack. And what was the comment about “we don’t have all that regulation stuff”? Jack: It’s true, we don’t. Gotta go and remember the se-cret to a happy life in banking compliance is . . . . Chuck: Jack, it’s what??? Jack, are you there? What’s the secret!?!?? Jack?? Jack?? This article is for informa-tional purposes and does not contain or convey legal advice. The information should not be used or relied upon in regard to any particular situation without consultation with your bank attorney. MBA Compliance Services and its Compliance Force offer a variety of programs to aid banks with compliance needs. Services available include on-site education, in-bank training and compliance reviews. For more information, call Carol Barnett at the MBA, 573-636-8151 or email her at cbarnett@mobankers.com.

The call from Compliance Heaven

Chuck Lewis

Page 5The Missouri Banker March 20, 2014

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By Linda PetersenManagerMBA Title Service

The State of Missouri pro-vides two forms to be used for signing vehicle transfer documents when someone is not available in person. The first one is a “regular” Power of Attorney (POA)

DOR form 4054. This is a notarized document for use when the seller or buyer appoints someone other than themselves to sign vehicle transfer documents for them. It must be included with the application and title when they are submitted to the DOR. A regular POA may be

used anytime a buyer or seller wants to appoint a third disinterested party to sign or his or her behalf. The POA cannot be used to ap-point the same person to sign on behalf of both the buyer and seller. The notarized POA:• CANNOT be used on

behalf of an incompetent owner;

• CANNOT be used on behalf of a deceased person;

• CAN be used when a spouse is acting on be-half of his or her spouse who is out of town for an extended period of time (military personnel);

• CAN be used to appoint a broker or third party to sell the vehicle on their behalf.

The Secure Power of At-torney (SPOA) DOR form 5086 is used by the seller when a buyer is purchasing the vehicle and the title is not

readily available. A completed SPOA autho-rizes the purchaser to sign the title assignments and odom-eter disclosure on behalf of the purchaser and seller. You must turn in the origi-nal signed SPOA as copies are not accepted in this case. The SPOA can be used when the ownership document is not present at the time of sale because:• The title is physically

being held by the lien-holder; or

• The seller is in the pro-cess of obtaining a dupli-cate title. The SPOA will be used to assign the title once it issues.

When a dealer is involved that dealer can transfer own-ership and disclose odometer readings on behalf of the seller to the next purchase by using the SPOA and complet-ing Part B of the form 5086. This is done by the dealer applying for a duplicate

title and when that title is received it is the dealer’s re-sponsibility to make sure the duplicate title is consistent with the mileage recorded previously on the SPOA and then to complete Part C of the SPOA. There is one other Power of Attorney that is accepted by the MO DOR and that is the Durable Power of Attorney that an individual may have for conducting business on behalf of another individual. These are usually granted because of health issues or other extenuating circumstances. They are drawn up by an attorney and cover many things besides a vehicle transfer. Send you questions and comments to MBA Title Service either by phone or email to Linda Petersen lpetersen@mobankers.com 573-636-8151. The title service is here to serve MBA Bankers.

Powers of Attorney can be used in to transfer some titles

Page 7The Missouri Banker March 20, 2014

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Young Bankers Leadership Award Nomination Form

Personal and Confidential Must be postmarked by June 6, 2014

207 E Capitol Avenue PO Box 207 Jefferson City, MO 65102 (573)636-8151 FAX (573)634-2754Contact: Rachael Preston, rpreston@mobankers.com

PLEASE NOTE:

All nominees will receive a follow up candidate questionnaire. Finalists will be interviewed in September (date to be announced). Interviews will be held at the MBA offices in Jefferson City. All finalists must participate in the interview to process.

All nominations must be postmarked or received via email by June 6, 2014.

About the Award…

The Young Bankers Leadership Award recognizes outstanding achievements of a Missouri banker, age 45 or younger, who is employed by an MBA member bank. Considerations in the selection process include the recipient's community involvement, personal and professional development, MBA involvement and contributions to banking industry.

The award is presented annually at the Young Bankers Leadership Conference by the Young Bankers Board of Directors whose mission is to provide a forum for the development and acknowledgement of future bank leaders of Missouri.

I hereby nominate the following person for theMBA Young Bankers Leadership Award:

*Name: Title: Bank: Address: City/State/Zip: Phone: *Please limit to one nomination per banking location.

Nominated by:Name: Title: Bank: Address: City/State/Zip: Phone:

Selection is based on the following criteria as well as the personal interview with all award finalists. Please return this form and attach a recommendation statement using the following as guidelines:

1. The nominee's banking career. 2. The nominee's service to his/her community. 3. The nominee's commitment to continuing education and improving professional skills. 4. The nominee's other notable achievements and accomplishments.

The Young Bankers Leadership Award winner will be announced and award presented at the annual October Young Bankers Leadership Conference, October 16-17, 2014. The recipient will receive:

$250 Cash Prize plus $100 donation to recipient’s chosen charity A recognition plaque Statewide recognition at Leadership Conference and in The Missouri Banker newspaper A news release to local news outlet

Please return this completed form and attachments postmarked by June 6, 2014 to:Missouri Bankers Association, Attn: Rachael Preston, PO Box 57, Jefferson City, MO 65102 or

E-mail to rpreston@mobankers.com

Your bank’s most valuable assets are your employees. It’s important to pause and to recognize achievement, performance and community involvement demonstrated by your bank’s finest. The MBA Young Bankers

Leadership Award program provides MBA members with an opportunity to acknowledge a future bank leader who has shown exceptional dedication to your organization and to the

greater banking community. Nominations are now being accepted for the 2014 Young Bankers Leadership Award. Please use the nomination form below to recognize a deserving banker

in your organization. The recipient will receive a $250 cash award, special plaque, statewide recognition in The Missouri Banker and news releases to local news outlets.

Additionally, the Missouri Bankers Foundation will donate $100 to recipient’s chosen charity. The deadline for nominations is June 6, 2014. For more information, contact Rachael Preston at the MBA at rpreston@mobankers.com or call 573-636-8151.

Nominations being accepted for 2014 Young Bankers Leadership Award

The Treasury Department is stepping up its oversight and knowledge of virtual currencies like bitcoin, said David Cohen, under secre-tary for terrorism and finan-cial intelligence, in a recent speech. As part of that effort, the Treasury has invited a virtual currency sector representa-tive to serve on the agency’s Bank Secrecy Act Advisory Group for the first time. Cohen also said that the global Financial Action Task Force in which Treasury participates is expected to release a paper covering further global definitions and coordination on virtual cur-rency shortly. The department is building on federal regulators’ Bank Secrecy Act powers, Cohen said, and moving carefully so as to balance transparency and innovation. “As we think about the illicit finance challenges of virtual currencies, we should bear in mind that we have been down this road before, and we know how to incor-porate new financial products and financial institutions into the financial transparency framework,” he said

Treasury to boost virtual currency oversight

Page 9The Missouri Banker March 20, 2014

Target Bankers help educate Legislature on issues

Craig Overfelt, MBA senior vice president and lobbyist, at far right, gives a legislative briefing to members of the MBA Young Bankers Leadership Division Board and other Target Bankers who were in Jefferson City on Feb. 25. Before they held their Board meeting, the Young Bankers visited their state representatives and state senators. Contact Chris Lepper at clepper@mobankers.com for more information about Target Bankers or to schedule your visit.

Travis Brown, First Midwest Bank, Columbia, from left, John Sachs, Bank Star, Pacific, and Beth Money, Equity Bank, Wichita, Kan., made their Target Banker visits on Feb. 19.

Chris Lepper, MBA PAC and grassroots coordinator, far right, briefs Target Bankers on current legislative issues. The Target Bankers are, from left, Todd Leonard, Debbie Hudson and Brad Williams, all with Heritage State Bank, Nevada; Aaron Dillon, Preferred Bank, Napoleon; Rachel Keller and Kim Reigelsberger, both with Preferred Bank, Rothville.

Making their Target Banker visit on one of the rare warm days this year are, from left, Mark Thompson, Midwest Independent Bank, Jefferson City; Sam Giroux, Boone County National Bank, Boonville; Wes Royer, First State Community Bank, Fredericktown; Dan Combs, First State Community Bank, Farmington; Jamie Lipe, First State Community Bank, Farmington; Mitch Klauser, First State Community Bank, Sullivan; Bill Cotton, First State Community Bank, Bonne Terre; Chad King and Luke Roussin, both with First State Community Bank, Farmington.

Page 10 The Missouri Banker March 20, 2014

AgendaMarch 201424 - 26 ABA Government Relations Summit, Washington,

D.C.25-26 Tri-State Leadership and Human Resources

Conference, DoubleTree, Overland Park, Kan.28 Dodd-Frank FAQs Webinar with Chuck Lewis,

10 a.m. CDT

April 20148 Young Bankers Day at the Capitol, Jefferson City10 MBA Board Meeting, Jefferson City17 FDIC Directors College co-sponsored by MBA,

FDIC and Missouri Division of Finance, Columbia22 IRA Basics Seminar, Cape Girardeau23 IRA Basics Seminar, Columbia24 IRA Basics Seminar, Springfield23-25 Women Bankers Conference, Tan-Tar-A Resort,

Osage Beach

May 20145 Young Bankers Day at the St. Louis Fed, St. Louis7 - 9 MOKAN Trust Conference, Overland Park, Kan.14 - 15 Operations Compliance Workshop, Columbia

June 20144 - 6 Annual Convention, Hilton Branson Convention

Center, Branson24 Lending Essentials, Columbia

The MBA has joined with bankers associations across the country to create the Regulatory Feedback Initiative (RFI). This initiative will bring transparency and accountability to the regulatory process and will help every bank in the country prepare for their examinations and manage their regulatory risk. The initiative consists of a brief, anonymous online survey that we are asking every bank to take immediately following each safety and soundness examination and each compliance examination. We need every bank to build the survey into their examination process. For more information, visit the Coalition of Bankers Associations web site at www.allbankers.org. To receive a link to the survey contact Mike Noblett at the MBA via email at mnoblett@mobankers.com.

MBA is a part of Regulatory Feedback Initiative (RFI)

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She has served as business development officer for the Columbia market since 2009. Dan Lewis was named vice president and commercial loan officer at Hawthorn Bank, Jef-ferson City. He has more than 16 years of banking experience, and has been with Hawthorn for 10 years. Chris Schrimpf was named senior vice president, commercial lending at Haw-thorn Bank, Jefferson City. He has been with Hawthorn Bank for 21 years. Laura Mitchell joined Em-pire Bank Insurance Agency as an account ex-ecutive. She has several

Page 11The Missouri Banker March 20, 2014

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Paid Advertisement Eagle Bank and Trust Company of Missouri, Hillsboro, received permission to establish a separate branch at 4100 Lindbergh Blvd., St. Louis. Reliance Bank, Des Peres, received per-mission to establish a separate branch at 4301 Manchester Ave., St. Louis. American Bank of Missouri, Wellsville, requested permission to establish a separate branch at 9800 Manchester Rd., Suite A, St. Louis. Central Bank of Missouri, Sedalia, re-ceived permission to change its corporate title to The Missouri Bank II, effective Feb. 1, 2014. Table Rock Community Bank, Kimber-ling City, requested permission to establish a separate branch at 18506 State Highway 13, Branson West. Community Bank of Pleasant Hill, Pleasant Hill, received permission to become an Originating Trustee for Community Bank of Raymore, Raymore, under Section 362.116, RSMo. At the close of business on Feb. 21, 2014, Citizens State Bank, Bald Knob, Ark., merged with and into Southern Bank, Poplar Bluff, the surviving bank. The Bank of Missouri, Perryville, re-ceived permission to establish a separate

branch at 1465 N. Westwood Blvd., Poplar Bluff. The Division of Finance has been notified that effective March 3, 2014, ADB Interim Bank, Blue Springs, merged with and into Adams Dairy Bank, Blue Springs, the sur-viving bank. Commerce Bank, Kansas City, has discontinued operation of a branch at 109 N. Keene St., Columbia, effective Jan. 29, 2014. A Certificate of Reciprocity was issued to Essex Savings Bank, Essex, Conn., autho-rizing it to act as a fiduciary in the State of Missouri pursuant to Section 362.600, RSMo. Homepride Bank, Mansfield, requested permission to establish a separate branch at 1112 N. Jefferson, Ava. Liberty Bank, Springfield, requested per-mission to establish a separate branch at 1946 S. Garrison Ave., Carthage. Section 408.030 provides that the Director of Finance shall declare the quarterly market rate of interest each quarter, post it in ac-cordance with Section 362.110 and publish it in appropriate publications. Said quarterly market rate for the period of April 1, 2014, through June 30, 2014, shall be 6.4 percent; as an alternative lenders may charge the usury rate of 10 percent.

Actions

Achievements Kelly Slayton was named chief operations officer at Community First Bank, Mountain Grove. She has 29 years of banking experience in operations, human resources and market-ing. She has been with the bank since 2006.

Kelly Summers was pro-moted to branch operations manager at the West Plains location of Community First Bank. She has worked in op-erations at the bank for more than 12 years.

Kelly Slayton

Kelly Summers

Gabe Chambers was promoted to co-controller at Community First Bank. He is a Certified Public Accountant and has been with the bank since June of 2012. Gregory D. Todd has joined Martin, Leigh, Laws & Fritzlen, P.C., Kansas City, as an associate at-torney. He is a 2004 graduate of the Univer-sity of Kansas School of Law and has expertise in the area of creditors’ rights and real estate. Mary Ropp was promoted to senior vice president, director of development at The Bank of Missouri, Columbia.

Gabe Chambers

Gregory D. Todd

Mary Ropp

Dan Lewis

Laura Mitchell

years of insurance experi-ence. Kim Warner, vice presi-dent of The Blue Owl Restaurant and Bakery and its af-filiates, was appointed to the Midwest BankCentre, Lemay, Southeast Missouri Region Board. The Blue Owl is a restaurant in historic Kimmswick. Matthew Stack, ex-ecutive vice president and chief operating officer of Koch Devel-opment has been appointed the Midwest BankCentre Central Region Board. Koch Development is a family-owned firm that acquires, develops and man-ages commercial properties. Kevin Callaway, financial advisor for Investor Services,

Kim Warner

Matthew Stack

located at Central Bank, Jefferson City, has earned the Accredited Investment Fiduciary (AIF) designation from the Center for Fiduciary Studies. Herman Travis, III has joined Heartland Bank, St. Louis, as vice presi-dent, branch sales man-ager at the bank’s Town & Country Banking Center. He also is the bank’s Community De-velopment Association laison. He has more than 24 years of banking experience. Glenn Heitmann, president and CEO of Heit-mann and As-sociates, Inc., has joined the board of directors of St. Louis Bank, Town & Country.

Herman Travis III

Glenn Heitmann

Page 12 The Missouri Banker March 20, 2014

MBAds

Come join KCB Bank! Growing and financially stable com-munity bank with multiple branches throughout the Kansas City area is looking for a Commercial Lender/Loan Officer. Experienced candi-dates must possess 5 + years’ experience as a commercial lender and offer the following; strong customer relationship management skills, business development skills as well as portfolio management experi-ence and demonstrated com-munity involvement. Qualified candidates must have:• A Bachelor’s degree in

Finance, Business, or Economics. MBA preferred

• Formal credit training• Strong oral and written

communication skills• Sound judgment, and

SBA lending experience is helpful.

We offer a competitive salary and benefits package. Please send resume to: Human Resources, P.O. Box 888, Ke-arney, MO 64060 or via email to humanresources@kcbbank.com. EOE

Vice President Cashier - Community bank seeking an experienced cashier for its headquarters in Kearney, MO. This individual will be an integral part of the leadership team and oversee the day to day accounting, financial and teller operations of the bank. Additional duties will also in-clude ownership of the bank’s call reports/regulatory reports and be the point of contact for federal and internal audit examiners. 10+ years of progressive experience in a financial institution setting is required, as well as superviso-ry experience, as this position will have direct reports. Com-petitive salary and benefits package is available. Equal Opportunity Employer. Please e-mail resume to humanre-sources@kcbbank.com.

Commercial Loan Officer – Platte Valley Bank, a growing community bank in the northern part of Kansas City, has an opening for a commercial lender at our Liberty branch. The ideal candidate will possess at least 10 years of commercial lending experience. Full job description and online application found on the

Risk Officer: First State Bancshares’ Audit/Compliance department is seeking a self-motivated individual for a Risk Officer opening.

The purpose of this position is to oversee compliance and in-ternal audit, FDICIA and BSA. This position will also hold the responsibility as the Red Flag Officer and the CRA Of-ficer chairing the CRA Commit-tee. Experience as large bank reporter, program monitoring and data collection as well as enterprise-wide risk assess-ment experience is required.

The ideal candidate must have the ability to work well with management and staff, pro-ficiency in Microsoft Office, excellent report writing skills and management skills. EOE

Loan Compliance Officer/Auditor: First State Banc-shares’ Audit/Compliance department is seeking a self-motivated individual for a Loan Compliance Offi-cer/Auditor opening.

The primary focus of this posi-tion is to perform HMD report-ing and internal loan compli-ance audits. Knowledge of Reg Z, RESPA, Flood, HMDA and Fair Lending is required.

The ideal candidate must have the ability to work well with management and staff, pro-ficiency in Microsoft Office, excellent report writing skills and training experience. EOE Enjoy a position with com-petitive pay and benefits as well as an excellent work environment! To apply, visit our employment opportunities page on our website at www.fscb.com

AG LENDER - COMMER-CIAL — Bank Northwest (location: Bethany, MO), has an opportunity for an indi-vidual with experience in AG & Commercial Lending — to service existing credits and to originate new business. Must have the following strengths: communication, problem solv-ing, and ability to work with staff.

Bachelor’s degree or five years lending experience is required. Send your resume to James Anderson, Bank Northwest, 201 S. Davis, Hamilton, MO 64644 or Banknw@centurytel.net

careers section of our website, www.plattevalleybank.com. Competitive salary and great benefits! EOE

First State Bank is seeking a PT IRA/HSA Specialist. Oversees operations and transactions involving IRAs/HSAs. Monitors and administers account openings/closings, payouts, beneficiaries, RMDs, rollovers and transfers. Researches disputed transactions. Sends mandatory notices on IRA/HSA products and processes. HS diploma or equivalent required. Two years’ experience required. Apply at www.fsbfinancial.com/career

RESIDENTIAL LENDING MANAGER: Guaranty Bank is a publicly traded, locally managed bank in Springfield, MO with approximately $650 million in assets. The bank is currently seeking a quali-fied individual to serve as the Network/Systems Analyst. The Network/Systems Analyst is responsible for analyzing, designing, installing, configur-ing, maintaining and repairing network servers; systems and subsystems. He/she oversees the computer/server operation and environment; providing direction, information, and recommendations regarding network configurations and in-stallations. The analyst must understand the general objec-tives of the business, as well as what each individual user’s job requires. Once the analyst has determined the general and specific needs of the busi-ness, he/she can recommend appropriate systems that will help accomplish the goals of the business. The person holding this position works closely with and coordinates recommended changes with the Senior Network Admin-istrator. Bachelor’s Degree in Computer Information Systems preferred; Degree in Computer Science and/or equivalent experience may be considered Proven experi-ence in performing the duties and tasks of a Network or Systems Analyst; working in a virtual environment, ideally with VMWare VSphere4 using SAN technology; programming tools and techniques. Exten-sive knowledge of Microsoft Active Directory in a corporate environment and prior bank-ing environment experience

is highly desired. Guaranty Bank offers a competitive salary structure along with employment benefits such as insurance, 401(k), PTO (paid time off), and paid holi-days. Interested candidates should e-mail resumes to hr@gbankmo.com. EOE.

CREDIT ANALYST: Peoples National Bank, a 100+ year old community bank headquartered in Mt. Vernon, IL, is seeking qualified candidates for a Credit Analyst position for the branch in Clayton, MO.

Applicants should demonstrate at least five years of relevant experience and have in-depth knowledge of commercial and commercial real estate lending practices and financial analysis. Responsibilities will include performing commercial credit analyses, concentrating on complex credits, investi-gate and identify credit risks, and monitoring compliance with bank policy. Applicant must have effective communi-cation skills, organization and time management skills, and be computer proficient.

Salary commensurate with experience; generous benefits package offered. To apply, please print and complete the application located on our website: http://www.people-snationalbank.com/index.php?page=careers

EOE/AA Employer

UMB Bank (Kansas City, MO) is seeking a Fair Lending Risk Officer to administer and coordinate all aspects of UMB’s Fair Lending, Unfair Deceptive Abusive Acts or Practices (UDAAP), and Com-plaint Management programs. Bachelor’s degree in Account-ing, Finance or Business Administration (with a strong emphasis in Accounting or Finance) required, along with 5+ years of experience in the field of Fair Lending, bank risk/compliance management or similar experience. Apply online at https://careers.umb.com. EOE.

Deadline to place a classified advertisement in The Mis-souri Banker is five days prior to publication date.

Email ads to snorfleet@mobankers.com and an invoice will be mailed to you. Logo insertion charge, $12.50.

Classified advertisements are posted on the public side of the MBA Web Site at no extra charge for the same time period as advertised in The Missouri Banker.

Classified ad rates are as fol-lows:• $1.00 per word for one

issue• $1.50 per word for two

issues• $2.00 per word for three

issues

To mark “Sunshine Week,” a national initiative launched by the media to promote open government, Financial Servic-es Committee Chairman Jeb Hensarling (R-TX) is calling on CFPB Director Richard Cordray to end the bureau’s closed-door meeting policy for its four advisory councils. The CFPB’s advisory groups – which include the Com-munity Bank Advisory Council, the Credit Union Advisory Council, and the Academic Research Council in addition to the Consumer Advisory Board – are made up of industry representatives, consumer activists and academics. CFPB Director Cordray has said the meetings are closed to the public because the Federal Advisory Committee Act, a sunshine law passed in 1972, does not apply to the Bu-reau. Yet, by law, all federal agencies are subject to the Act with the exception of the Central Intelligence Agency, the Director of National Intelligence, and the Federal Reserve’s Federal Open Market Committee. The CFPB is an indepen-dent agency housed within the Federal Reserve, but the Fed exercises no control over the CFPB or its advisory group.

CFPB encouraged to open advisory council meetings

Page 13The Missouri Banker March 20, 2014

ATM Equipment/ServiceBankers Security Safe and Vault

Raytown ..................... 877-358-0883

Diebold

Hazelwood ................. 513-600-8346

Federal Protection, Inc.

Springfield ................. 800-299-5400

FISERV

Brookfield, WI ............ 800-872-7882

Nusource Financial

Eden Prairie, MN .............. 952-9191Oppliger Banking Systems

Olathe, KS .................. 800-487-7875

Shazam Network

Johnston, IA ............... 800-537-5427

TransFund

Tulsa, OK ................... 800-588-6816

Accounting/Auditing

BKD, LLP

Springfield ................. 417-865-8701

St. Louis ..................... 314-231-5544

Brown Smith Wallace LLC

St. Louis ..................... 314-983-1200

CliftonLarsonAllen

St. Louis ..................... 888-529-2648

Cummings, Ristau & Associates, PC

St. Louis ..................... 888-616-2727

KPM CPAs

Springfield ................. 417-882-4300

KPMG LLP

Kansas City ................ 816-802-5200

St. Louis ..................... 314-444-1400

McGladrey, Inc.

Kansas City ................ 800-274-3978

St. Louis ..................... 314-241-4100

MIB Banc Services, LLC

Jefferson City ............. 573-636-9555

Rolf, Perrin & Associates, P.C.

Fairway, KS ................ 913-671-8600

Sims & Riley LLC

Overland Park, KS ..... 913-649-8100

The Whitlock Company, LLP

Springfield ................. 417-881-0145

Williams-Keepers LLC

Columbia ................... 573-442-6171

Architects/Builders/Designers

Copeland Development and

Construction Company, Inc.

Chillicothe .................. 660-707-1412

Federal Construction, Inc.

Springfield ................. 800-299-5400

Auction Services

W Purple Wave Auction

Manhattan, KS ........... 866-608-9283

West Central Auction Company

Harrisonville ............... 800-823-4094

BOLI Executive CompensationBank Compensation Consulting, Inc.

Plano, TX ................... 800-781-2099

Bank Financial Services Group

Edina, MN .................. 800-931-7782

Equias Alliance

Prior Lake, MN ........... 952-435-7747

Executive Benefits Network

Cape Girardeau ......... 573-335-0187

Brokerage/Investments

Securities

Acropolis Investment ManagementChesterfield ................ 636-449-4900

Central States Capital Markets

Prairie Village, KS ...... 800-851-6459

Edward Jones

Prairie Village, KS ...... 913-262-4662FTN Financial

Overland Park, KS ..... 800-307-5421

Memphis, TN ............. 800-307-5421

First Bankers’ Banc Securities, Inc.

Overland Park, KS ..... 866-530-2846

St. Louis ..................... 888-726-2880

First Empire Securities

Hauppauge, NY ......... 631-979-0097

NFP Executive Benefits

Minneapolis, MN ........ 612-940-2843

Raymond JamesMemphis, TN ............. 800-564-2249

Securities America

Lavista, NE ................. 402-399-9111Stifel

St. Louis ..................... 800-679-5446

The Baker Group

Oklahoma City, OK .... 405-415-7200

UMB Bank, N.A.

Kansas City ................ 866-651-9262

Vining Sparks

Little Rock, AR ........... 800-733-6938

Cash Management Services

FIS

Birmingham, AL ......... 888-323-0310

Milwaukee, WI ............ 800-822-6758

Check Printing

Information SolutionsW Deluxe Financial Services, Inc.

St. Louis .......................800-DELUXE

.................................(800-335-8931)

Check RecoveryW Re$ubmitIt, LLC

Louisville, KY .............. 866-860-5306

Communications

Spectrio

Oldsmar, FL ............... 800-584-4653

W TextCaster

Kansas City ................ 816-746-6835

Computer Software & HardwareBanker’s Toolbox

Austin, TX ................... 888-201-2231CSI (Computer Services, Inc.)

................................... 800-545-4274CalTech

San Angelo, TX .......... 325-223-6100D & H

Lake Mary, FL ............ 800-989-9009Jack Henry Banking

Monett ......................... 417-2356652LightEdge Solution

Des Moines, IA ........... 515-471-1256NetGain Technologies

Manchester ................ 314-968-2237SynTel, LLC

Jonesboro, AR ........... 800-898-2540Verafin, Inc.

St. John’s, NL, Canada .. 866-781-8433

Consulting & Training ServicesCBCS Community Bank Consulting Services, Inc.

St. Louis ..................... 314-863-1954CrossFirst Advisors, LLC

Overland Park, KS ..... 913-754-9700DD&F Consulting Group

Little Rock, AR ........... 501-374-2600Dittrich & Associates

Joplin ......................... 417-208-2100John M. Floyd & Associates

Baytown, TX ............... 800-809-2307Pentegra Retirement Services

West Plains, NY ......... 800-872-3473

W Strunk and Associates, L.P.Kansas City, MO ........ 800-728-3116

Superior Consulting

Springfield ................. 417-887-2124

Terry Compliance Consulting

St. Louis ..................... 314-540-3122

Correspondent BankingBMO Harris Bank

St. Louis ..................... 314-543-3300

Commerce Bank

Kansas City ....800-821-2182 x22488

Country Club Bank

Kansas City ................ 816-751-9386

First National Bank of St. Louis

St. Louis ..................... 877-472-6974

Great Southern Bank

................................... 417-895-4749

JP Morgan Chase & Company

Chicago, IL ................ 312-732-7981

MIB - Midwest Independent Bank

Jefferson City ............. 800-347-4642

Pacific Coast Bankers’ Bank

San Francisco, CA ..... 415-399-1900

TIB - The Independent Bankers-Bank

Dallas, TX ................... 800-288-4842

UMB Bank, N.A.

Kansas City ................ 866-651-9262

US Bank

................................... 800-742-7462

Wells Fargo & Company

St. Louis ..................... 314-955-6851

Data ProcessingUnited Financial Services

St. Charles ................. 262-376-3000

Debit and Credit CardsW ABA Prepaid Card

Washington, D.C. ....... 202-663-5088Security BankCard Center, Inc.

Norman, OK ............... 405-826-5617

Vantiv

Cincinnati, OH ........... 513-900-4613

Deposit Acquisition/RetentionW Promontory Interfinancial

Network

Overland Park, KS . . 866-776-6426

Environmental DataTrileaf Environmental

St. Louis ..................... 314-997-6111

Bankers’ Resource Directory

Page 14 The Missouri Banker March 20, 2014

Bankers’ Resource DirectoryFinancial Education Services

W EverFi, Inc.Washington, D.C. ....... 319-290-9804

Funding

BancAllianceChevy Chase, MD ...... 301-232-5400

Federal Home Loan Bank of Des Moines

Des Moines, IA . . . . . 800-544-3452

Government Agencies

Missouri Agricultural and Small Business Development Authority

Jefferson City ............. 573-751-2129Missouri Development Finance Board

Jefferson City ............. 573-751-8479

IRA & Qualified Plan ServicesAscensus

Brainerd, MN. . . . . . . 800-346-3860

IT Security ServicesGuardian Analytics

Mountain View, CA .... 650-383-9200

Insurance/Bonding

W ABA Insurance Services, Inc.Call MBA Insurance Group at

800-234-4939Agents National Title

Columbia ................... 866-483-2763W J.T. Miller Company, Inc.

Minneapolis, MN . . . . 800-328-4545Kansas Bankers Surety Company

Topeka, KS ................. 785-228-0000Lee & Mason Financial

Columbia ................... 888-685-8442Lenders Insurance Solutions Group, LLC

Ozark ......................... 417-581-8070MBA Insurance Helpline

Jefferson City . . . . . . 800-234-4939Mountain Life Insurance Company

Alcoa, TN . . . . . . . . . 800-888-6542Spectrum Financial Services Inc.

Omaha, NE . . . . . . . . 800-421-8339The Plateau Group

Crossville, TN ............. 800-752-8328W The Travelers Companies, Inc.

Call MBA Insurance Group at

800-234-4939Truman Wilson & Associates

Lawrence, KS . . . . . . 816-387-1595

Winter-Dent & CompanyJefferson City ............. 573-634-2122

Investment BankingRaymond James

Memphis, TN ............. 800-564-2249Ross, Sinclair and Associates

Doniphan ................... 617-748-5532Sandler O’Neill & Partners, L.P.

NY, NY . . . . . . . . . . . . 800-635-6851The Capital Corporation, LLC

Lenexa, KS . . . . . . . . 913-498-8188UMB Bank, N.A.

Kansas City ................ 866-651-9262

Law FirmsArmstrong Teasdale LLP

Kansas City . . . . . . . . 816-221-3420

St. Louis . . . . . . . . . . 800-243-5070Berson Law Group

Leawood, KS ............. 913-397-2701Bryan Cave, LLP

Kansas City . . . . . . . . 816-391-7649

St. Louis . . . . . . . . . . 314-259-2000Carnahan, Evans, Cantwell & Brown, P.C.

Springfield ................. 417-447-4400Greensfelder, Hemker & Gale, P.C.

St. Louis ..................... 314-241-9090Hunton & Williams, LLP

Dallas, TX ................... 214-979-3000Husch Blackwell

St. Louis . . . . . . . . . . 314-480-1500

Kansas City . . . . . . . . 816-983-8000 Kramer & Frank, P.C.

St. Louis ..................... 800-288-5437Lathrop & Gage LLC

Kansas City ................ 816-292-2000Lewis, Rice & Fingersh, L.C.

St. Louis . . . . . . . . . . 314-444-7600Martin, Leigh, Laws & Fritzlen, P.C.

Kansas City ................ 816-221-1430Martin Pringle

Overland Park, KS ..... 913-491-3341Millsap & Singer, LLC

St. Louis ..................... 636-537-0110Polsinelli

St. Louis . . . . . . . . . . 314-889-8000

Kansas City . . . . . . . . 816-753-1000

Springfield ................. 417-869-3353South & Associates, P.C.

Overland Park, KS . . 913-663-7718

St. Louis . . . . . . . . . . 314-655-7001Spencer Fane Britt & Browne LLP

Kansas City . . . . . . . . 800-526-6529

St. Louis . . . . . . . . . . 800-862-6869

Stinson Leonard StreetKansas City . . . . . . . . 816-842-8600

St. Louis . . . . . . . . . . 314-863-0800Thompson Coburn LLP

St. Louis . . . . . . . . . . 314-552-6000

Lending Risk ManagementSageworks

Raleigh, NC................ 866-603-7029

MarketingDigital Intersection

St. Louis ..................... 800-221-0855emfluence digital marketing agency

Kansas City ................ 877-813-6245W Gremln.com

St. Louis ..................... 314-915-8738Harland Clarke

San Antonio, TX ......... 800-382-0818

Farmington ................ 800-382-0818MPI Coin

Grafton, WI . . . . . . . . 800-459-9487W Textcaster

Kansas City . . . . . . . . 816-746-6835Wheatland Advisors

Belton ......................... 816-318-8884

Modular Banking FacilitiesMPA Systems, Inc.

Sanger, TX . . . . . . . . 888-233-1584

Mortgage LendingBanc Mac

Pawnee, IL . . . . . . . . 888-821-7729Missouri Housing Development Commission

Kansas City ................ 816-759-6600

St. Louis ..................... 314-877-1350Mortgage Services III, LLC Subsidiary of First State Bank

Bloomington, IL ......... 815-935-2300Veterans United Home Loans

Columbia ................... 573-876-2600

Office Supplies & SolutionsW Office Depot

St. Charles ................. 636-358-9093

Overland Park, KS ..... 913-358-0856Systemax Corporation

Springfield, IL ............. 217-546-6646

Other FinancialProducts & Services

Affordable Equity Partners, Inc.Columbia ................... 573-443-2021

All Nations Flag Co., IncKansas City ................ 800-533-3524

Jack Henry BankingMonett ........................ 417-235-6652

MBA Bankers Service Corporation’s Title Service

Jefferson City . . . . . . 573-636-8151Missouri Corn Growers Association

Jefferson City ............. 573-893-4181W SNL Financial

Charlottesville, VA ...... 434-951-4419Tipton Systems

St. Louis ..................... 800-899-2997

Payment TechnologiesClearent, LLC

Clayton ....................... 888-366-6390FIS

Jacksonville, FL ......... 888-323-3010Jack Henry Banking

Monett ........................ 417-235-6652Tipton Systems

St. Louis ..................... 800-899-2997

Rating ServicesStandard and Poor’s Rating Services

New York, NY ............. 212-438-2028

Resorts and HotelsTan-Tar-A Resort, Golf Club, Marina & Indoor Water Park

Osage Beach . . . . . . 800-826-8272

Shredding ServicesW Cintas

Hazelwood . . . . . . . . 800-795-7368

Technology ConsultingBankOnIT

Oklahoma City, OK .... 800-498-8877CalTech

San Angelo, TX .......... 325-223-6100

Training ServicesUMB Bank, N.A.

Kansas City ................ 866-651-9262

Travel ServicesACENDAS

Mission, KS . . . . . . . . 913-671-7700

. . . . . . . . . . . . . . . . 800-544-3019

Trust ServicesCitadel Trust Advisors

St. Louis ..................... 800-332-2963

KeyMBA Associate Members and MembersW Endorsed Vendors

Page 15The Missouri Banker March 20, 2014

Bill Progress Report March 2014

SUPPORT

ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the Governor

Bill Description Author 1st-Chamber Comm

Report Passed 2nd-Chamber Comm Report Passed Signed

Fil/Vet HB 1043 SBA tax credits Shull 12/ 2 HB 1218 Condo liens and encumbrances Dugger 1/ 7 3/ 6cs HB 1253 Business income tax Berry 1/ 8 2/20cs 2/20cs/a 3/13 SWAYS HB 1270 Merchant Processing Contracts Lant 1/ 9 2/11 2/26 2/26

HB 1374 Bad faith assertion of patent infringement Cox 1/14 3/ 6cs

HB 1376 UCC clean up Cox 1/14 2/13cs 2/26cs 2/26 HB 1918 Relating to foreign businesses Dugger 2/19

SB 706 Bad faith assertion of patent infringement Cunningham 1/13

SB 766 UCC clean up Keaveny 1/23 3/ 6 3/13 3/13 SB 913 Condo liens and encumbrances Wasson 2/24

OPPOSE

ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the Governor Bill Description Author 1st-Chamber Comm

Report Passed 2nd-Chamber Comm Report Passed Signed

Fil/Vet HB 1210 Local government bond issuances Guernsey 1/ 3 HB 1329 Privacy Barnes 1/13 HB 1578 Seniors' Retirement Protection Act Solon 1/23 HB 1593 Certificate of value Kirkton 1/23

HB 1658 Priority tax liens on delinquent property tax Torpey 1/29

HB 1733 Mechanics’ lien waiver and releases Miller 2/ 5 HB 1769 Local govt bond issuances Curtman 2/ 6 3/ 6cs

HB 1912 KC registration/fee on vacant property in foreclosure Dunn 2/19

SB 648 Real estate appraisers commission LeVota 12/20 SB 676 Foreclosure notice to tenants Curls 1/ 8 SB 705 Local govt bond issuances Lager 1/13

SB 903 Priority tax liens on delinquent property tax Silvey 2/20

WATCH

ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the Governor

Bill Description Author 1st-Chamber Comm Report Passed 2nd-Chamber Comm

Report Passed SignedFil/Vet

HB 1118 Scrap metal operators LaFaver 12/ 4

HB 1153 Prohibits credit report for job applicants Pace 12/ 9 3/10cs

HB 1412 Filing of fake liens Phillips 1/14 2/10cs 2/20cs/a 3/13 SGOVACCT HB 1422 Corporate income tax Parkinson 1/15

HB 1999 Electronic lien releases/motor vehicles Dugger 2/26 3/12cs

SB 594 Scrap metal operators Libla 12/ 3 SB 597 Scrap metal operators Holsman 12/ 3 SB 634 Title insurance Parson 12/17 SB 694 Payday loans. Cunningham 1/ 9 2/20 2/20 3/12 HFINANCIAL SB 877 Unemployment benefits Kraus 2/17

SB 954 Electronic lien releases/motor vehicles Cunningham 2/26

Page 16 The Missouri Banker March 20, 2014

Tan-Tar-A will be the host hotel for the Women Bankers Conference. Check out the new renovations on the sleeping rooms.

The room rate will be $118 per room, per day, plus state & local tax and lodging tax for single or double occupancy. Hotel accommodations can be secured by using the reservation form or by calling (573) 348-3131. Rooms will be available at 4 p.m. the day of check-in. Check out time is 11:00 a.m. See all Tan-Tar-A Resort has to offer at www.tan-tar-a.com.

Hotel Cancellation - Cancellations must be made 48 hours prior to the date of arrival or one night’s room rate will be charged to the individual.

All unreserved rooms in the block will be released for sale to the public on March 25, 2014. EARLY RESERVATIONS ARE ENCOURAGED

Smarketing . . . the Marketing & Sales Connection

Dana PerkinsSt. Meyer & Hubbard

Activate Your Super PowersCheri Britton

Cheri Britton Enterprises

8 to Great: The Powerful Process for Positive Change

MK MuellerMK Mueller Enterprises

Stress Management: Navigating Through Challenging Times

Mary MarcdanteMary Marcdante

Compliance is Everyone’s BusinessChuck Lewis & Denny DeischerMissouri Bankers Association

Social Networking: When the Socializing Ends & Compliance Issues Begin

Susan OrrSusan Orr Consulting, Ltd.

Earrings or Noserings? Connecting with Different Generations on the Front Line

Mark ArnoldMark Arnold Consulting

HOTEL INFORMATION

RENOVATIONS TO BE COMPLETED SPRING 2014! BUILDING A: Complete Floor to Ceiling Renovation Featuring 2 King Size Beds, Sleeper Sofa, Flat-Screen High-Definition Televisions, and New Bedding Package

EXHIBIT HALL: New Ceiling, Carpet and Fresh Paint

OAKS GOLF COURSE: New Bunkers and New Sod on the Driving Range

REMAINING RESORT COMPLEX ROOMS: Flat-Screen High-Definition Televisions and New Bedding Package

HIGH SPEED INTERNET ACCESS: New Fiber Optic Network to Improve High Speed Internet Bandwidth in Guest Rooms and Meeting Space

By Phone - Call 573-636-8151 ~ Online - www.mobankers.com

REGISTER TODAY!

CONFERENCE TOPICS & SPEAKERS