The tradition continues

I O W A B A N K E R S A S S O C I A T I O N

Dear IBA Members and Associate Members:

As your 2016-17 Chairman, it is an honor for me to invite you to the largest gathering of fi nancial professionals and industry suppliers in our state – the 2017 Iowa Bankers Association Convention. This annual event will be held September 17-19 at the Iowa Events Center - Veterans Memorial Auditorium in Des Moines.

We again expect a crowd of over 800 attendees who will enjoy unmatched networking opportunities, valuable educational sessions, and insights from industry leaders regarding the signifi cant issues of our time. This year’s highlights include:

• An opening reception with networking, food and fun as we kick off this year’s convention with a casual reception in the heart of downtown Des Moines at West End Architectural Salvage – an adventure in treasures, texture and tradition.

• A presentation on the economy and ag outlook from noted economist Dr. Ed Seifried.

• A presentation on the federal administration’s initiatives and how they may affect the economy, industry sectors, tax planning, investments, and markets from Jeff Bush, fi nancial-industry veteran.

• A thought-provoking inspirational Spark! lunch featuring guitar virtuoso Mike Rayburn asking, “What If?”.

• And, a closing session from a former CIA spy, James Olson, who describes living and working behind the Iron Curtain as a US operative.

As you can see, we’ve developed an inspirational and informational program.......with a good deal of fun mixed in. You won’t want to miss it!

Dave Nelson2016-2017 IBA Chair

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Dr. Ed Seifried is a valued educator for community bank directors, CEOs, senior management, and up and coming community bankers. Carrying on his tenure as Professor Emeritus of Economics and Business at Lafayette College, Dr. Ed has led the educational programs as Dean for the West Virginia Banking School and the Virginia School of Banking. He has been on the faculty of many banking schools, including Stonier and the Graduate School of Banking at LSU. Having served as a community bank director, Dr. Ed believes that one has to experience the dynamics of being a community bank director to fully understand their needs to create the bank’s strategic plan, assess risk, set risk parameters, monitor risk, and to be thoroughly educated.

Jeff Bush is a dynamic and insightful speaker known for his unique ability to decode diffi cult and confusing tax and fi scal information coming out of Washington. Jeff is a 28-year veteran of the fi nancial industry. During a 10-year career at Merrill Lynch he was responsible for providing creative investment strategies and effective risk mitigation approaches to private and corporate clients across the US. Before that, Jeff was the youngest managing partner in the 150-year history of The New England Financial, an investment and tax risk consulting fi rm. He began his career at Principal Financial Group, where he handled complex underwriting issues before moving into the areas of research and development. Jeff holds a Bachelor of Science degree in Business Administration and Management with emphasis in accounting and philosophy from William Jewell College.

James Olson received his law degree from the University of Iowa in 1969. He is a Senior Lecturer at the Bush School, where he teaches courses on intelligence, national security, and international crisis management. He served for over 25 years in the Directorate of Operations of the Central Intelligence Agency, mostly overseas in clandestine operations. In addition to several foreign assignments, he was Chief of Counterintelligence at CIA headquarters in Langley, Virginia. Professor Olson has been awarded the Intelligence Medal of Merit, the Distinguished Career Intelligence Medal, the Donovan Award, and several Distinguished Service Citations. He is the recipient of awards from the Bush School and the Association of Former Students for excellence in teaching. Professor Olson is the author of Fair Play: The Moral Dilemmas of Spying, published by Potomac Books in 2006.

Mike Rayburn is a Hall of Fame international keynote speaker, author, comedian, and world-class guitarist. As an inspirational thought leader, he is one of the most in-demand and unconventional keynote artists in the world. Drawing from his success as an entrepreneur as well as a Carnegie Hall headliner, Mike is a master at increasing profi tability and impact by inspiring your team to become possibility thinkers and virtuoso performers... all by daring you to ask the question, “What if...?” Mike’s personal, business and career mission is simple: Transform communities. Whether that community is a business audience, an association, impoverished people world-wide, or the lost in his hometown of Las Vegas, Mike’s daily efforts and life work are dedicated to transforming communities.

Dorothy A. Savarase is the Chairman, President and CEO of Cape Cod Five Mutual Company, the sole shareholder of The Cape Cod Five Cents Savings Bank, an independent Massachusetts state-chartered savings bank founded in 1855. The Cape Cod Five has grown to over $3 billion in assets with a leadership position in both deposits and loans on Cape Cod. Dorothy holds an MBA from Suffolk University’s Sawyer Business School. Dorothy currently serves as Chairman of the American Bankers Association. She is a past member of the FDIC Advisory Committee on Community Banking, a past Chairman and Board member of the Cape Cod Chamber of Commerce Board of Directors, a past Chairman of the Massachusetts Bankers Association and a past member of the Board of Directors of the American Bankers Mutual Insurance Ltd. In 2015, Dorothy was named one of the 25 Most Powerful Women in Banking by American Banker magazine for the fi fth consecutive year.

Featured speakers

Convention agenda

I O W A B A N K E R S A S S O C I A T I O N

Sunday, September 175:30 p.m. Reception at West End Architectural Salvage Sponsored by UMB

All convention attendees and guests are invited to join us for an evening of networking, food and fun as we kick off this year’s convention with a casual reception in the heart of Downtown Des Moines at West End Architectural Salvage – an adventure in treasures, texture and tradition. Every corner, every fl oor and every moment is fi lled with discovery as you walk your way through this unique and inspiring place. Discover antique furniture and accessories; vintage lights; hardware and building materials; mantels; and stained glass.

Monday, September 187:30 a.m. Ag Breakfast Economic Overview Sponsored by BKD Dr. Ed Seifried, Seifried and Brew

As a nationally recognized speaker on economic issues and forecasting techniques, Dr. Ed provides a unique, simplifi ed approach that will help you through the maze of economic indicators and fi nancial news releases. He will discuss how to recognize key economic signals and prepare strategies to cope with the changing economic environment.

9:00 a.m. Exhibit Hall Opens 10:00 a.m. Opening General Session

Chairman’s AddressIBA Chairman Dave NelsonDave Nelson, IBA Chairman & CEO of West Bank, West Des Moines, will share his insights as this year’s IBA chairman.

Iowa Banking at Its Best Video RevealSponsored by Federal Home Loan Bank , SHAZAM, Harland ClarkeBe the fi rst to see a new video from the IBA highlighting the reasons why Iowa was named the best state for banking in 2016 by Moneyrates.com. This video is designed to help spread the word about the things that make Iowa banks great, and it will be used to educate policymakers, media and the community about the difference Iowa banks make in their communities.

ABA Chairman Dorothy SavaraseDorothy Savarase, ABA Chairman; Chairman, President and CEO of Cape Cod Five Mutual CompanyABA Chairman will provide an update on the banking industry from a national perspective.

11:00 a.m. The Washington Update Sponsored by Bell Bank and Fredrikson & Byron Jeff Bush, The Washington Update

Jeff will provide a nonpartisan analysis of the cur-rent political environment. He will lay out how the new administration’s initiatives are likely to affect the economy, industry sectors, tax planning, investments, and the markets. Jeff also will consider the extent to which the new administration is likely to overturn or soften regulatory policies the Obama administration put in place, including the controversial Department of Labor regulation imposing new fi duciary obligations on fi nancial advisors.

12:00 p.m. Spark! Lunch “What If…?”, Mike Rayburn Sponsored by Bankers’ Bank, Finastra

All convention attendees are invited to join us in the ballroom for our Spark! lunch. You might remember from last year, Spark! is all about passion, ideas, interests, and pursuits. This year’s featured speaker is guitar afi cionado Mike Rayburn. Mike’s “What If…?” experience will inspire innovation, reawaken your natural creativity, renew and harness your sense of life purpose and open your mind to all you never knew was possible. It will encourage you to become the best at what you do, a master of all things that matter. The message is simple, powerful and memorable like a great song hook. Mike uses his amazing guitar work and hilarious comedy as a metaphor, to illustrate three tools designed to turn your team into an army of innovators with the peak performance skills to transcend the status quo.

1:30 p.m. Breakout Sessions Sponsored by CliftonLarsonAllen LLP 1. M&A Trends and the Current Environment

Kamal Mustafa, Chairman & CEO, Invictus Consulting Group LLCThe community banking market has always been conservative and traditional. But there are unique pressures that are silently putting pressure on investors. The change in the community banking market has been masked by traditional accounting and asset liability management systems and ignored by market analysts and investment bankers. The prolonged period of low interest rates has slowly poisoned balance sheets, which will eventually lead to more consolidation – even for reluctant banks.

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1:30 p.m. Breakout Sessions cont.2. Human Capital Management: Key to Long Term SuccessAlan Kinsey, Vice President, Inquirehire Banks face many challenges including increased competition, increased regulatory requirements, and workforce shortages. Solving these challenges is effective human capital management. We will discuss effective techniques including talent acquisition, employee retention, leadership development, and succession planning.

3. The Science of Managing Compliance RisksJulie Gliha, Vice President Regulatory Compliance, IBA With the daunting pages of regulation and guidance com-ing from the various regulators, management can’t afford to take their eye off the ball. Receive an overview of the mortgage servicing rule changes, the risks of reporting in-accurate information to the credit reporting agencies, and upcoming changes to HMDA and small business lending.

4. Cybersecurity Liability and FraudJohn Lande, Attorney, Dickinson Law Cyber and data security remain a priority issue for banks. Criminals are constantly searching for creative new ways to obtain money from banks and customers through fraud and cybersecurity vulnerabilities. You will learn about re-cent data breach litigation, bank liability for EFT/ACH fraud, current insurance coverage issues, and risk mitigation.

5. 10 Trends That Will Change How Your Bank Does BusinessChris Nichols, Chief Strategy Offi cer, CenterState BankLearn the “secret” formula that has been successful for ev-ery top performing bank and understand the need to create a value proposition that will withstand the test of time.Also, see what will make a difference in lending, deposits and fee income. Finally, explore the fi ve new technologies that your bank will need to have to be successful.

2:30 p.m. Refreshment Break in the Exhibit Hall Cookies & popcorn sponsored by Kirk Gross Company

3:15 p.m. Breakout Sessions Repeat

4:15 p.m. Chairman’s Reception in the Exhibit Hall Sponsored by Data Business Equipment, Dougherty & Company, Fiserv, IBA Securities, Turnkey Associates

Join your fellow bankers at a reception to honor IBA Chairman Dave Nelson. Located in the Exhibit Hall, it’s a great chance to visit with vendors in a casual setting.

5:15 p.m. Live Auction Sponsored by SHAZAM

5:30 p.m. Silent Auction Final Bids

Tuesday, September 196:00 a.m. IBBP Fun Run & Walk Sponsored by Iowa Bankers Benefi t Plan

Join your fellow convention attendees for the second annual Iowa Bankers Benefi t Plan (IBBP) 5K Run & Walk. Free to convention registrants, this fun event starts at the Principal Riverwalk and continues along the Des Moines River towards Gray’s Lake. All participants will receive a swag bag and 5k shirt. Transportation will be provided to and from the event, with pickup at the Downtown Marriott Hotel.

7:30 a.m. Legislative Symposium & Breakfast Sponsored by Bankers’ Bank

Join us Tuesday morning for a panel on tax reform with legislative leaders and tax expertsYou do not need to be registered for convention to attend.

9:15 a.m. Exhibit Hall Opens

10:30 a.m. 2017-18 IBA Chairman’s AddressNewly inducted 2017-18 Iowa Bankers Association Chairman Kurt Herbrechsmeyer shares his goals for the year ahead. Herbrechtsmeyer is the President and CEO of First Security Bank & Trust in Charles City.

James Leach Leadership AwardA distinguished Iowa banker will be awarded the eighteenth annual Iowa Bankers Association James A. Leach Leadership Award.

11:00 a.m. A Different Kind of Career: Under Cover in the CIA Sponsored by SHAZAM

James Olson, Bush School, Texas A&MImagine living a lie for 31 years. That’s what James Olson and his wife, Meredith, did while spying for the CIA. Spying for his country was the furthest thing from his mind when Olson, a farm boy from Iowa, received a mysterious phone call that changed his life forever. Olson takes you inside the real world of being a CIA spy. He describes the rigorous training they receive and the diffi cult dilemmas that they face in the fi eld. Olson explains how the global war on terror affects everyone.

12:00 p.m. Adjourn

Convention features

I O W A B A N K E R S A S S O C I A T I O N

Sunday Night Reception at West End Architectural SalvageSunday, September 17 • 5:30 p.m. - West End Architectural SalvageSponsored by UMB BankAll convention attendees and guests are invited to join us for an evening of networking, food and fun as we kick off this year’s convention with a casual reception in the heart of downtown Des Moines at West End Architectural Salvage – an adventure in treasures, texture and tradition. Every corner, every fl oor and every moment is fi lled with discovery as you walk your way through this unique and inspiring place. This is more than a place to fi nd recycling at its best, it is a trip through time back to your child-hood. It is a photographer’s dream, it’s fi ve stories of treasures… each with a story. Discover antique furniture and accessories; vintage lights; hardware and building materials; mantels; and stained glass.

Exhibit Hall & IPTV Silent & Live AuctionMonday, September 18 • 9:00 a.m. - 5:30 p.m. (Live auction at 5:00 p.m. and fi nal silent auction bids at 5:30 p.m.) With more than 100 vendors, the Exhibit Hall offers innovative products and services and The silent and live auction benefi ts Iowa Public Television (IPTV). Help support the banking industry by donating to our Iowa Public Television (IPTV) Silent and Live Auction, taking place in the Exhibit Hall. Your donation helps IPTV to provide quality, educational programming that benefi ts all Iowans. In addition, it helps support our Real Iowa Bankers public image campaign and provides positive recognition for the Iowa banking industry during popular IPTV programs.

Iowa Banking at Its Best Video RevealSponsored by Federal Home Loan Bank, SHAZAM, Harland ClarkeMonday, September 18 • 10:00 a.m.Veterans Memorial Auditorium Ballroom Be among the fi rst to see a new video from the IBA highlighting the reasons why Iowa was named the best state for banking in 2016 by Moneyrates.com. This informative video is designed to help spread the word about all of the things that make Iowa banks great, and it will be used throughout the year to educate policymakers, media and the community about the difference Iowa banks make in their communities.

Iowa Bankers Benefi t Plan (IBBP) Fun Run & WalkSponsored by Iowa Bankers Benefi t PlanTuesday, September 19 • 6:00 a.m. Join your fellow convention attendees for the second annual Iowa Bankers Benefi t Plan (IBBP) 5K Run & Walk, sponsored by Wellmark. Free to convention registrants, this fun event starts at the Principal Riverwalk and continues along the Des Moines River towards Gray’s Lake, giving you gorgeous views of the river and downtown Des Moines. All participants will receive a swag bag and 5k t-shirt. Transportation will be provided to and from the event, with pickup at the Downtown Marriott Hotel.

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Guest program

Monday, September 18

11:30 a.m. – 2:00 p.m. The Tea Room at the Younkers Building Luncheon & TourBe among the fi rst to see the new Younkers Tearoom! Join us for an elegant luncheon and tour of the facility as we learn about the history and refurbishing of this downtown Des Moines landmark. (Tour is optional.) The tearoom was opened in 1913 in the downtown Des Moines Younkers Building and has served many Iowans and distinguished guests from around the county and the world. In 2014 a fi re ravaged the 115 year-old Younkers building, including the tearoom. After several years of refurbishment, the tearoom has been made whole again. Not whole like the remodels from the 1970s and 1980s that covered up the original decorative ceiling, but more to the original look from the 1920s.

Tuesday, September 19

6:00 a.m. IBBP Fun Run & WalkJoin your fellow bankers for the second annual Iowa Bankers Benefi t Plan (IBBP) 5K Run & Walk. Free to convention registrants, this fun event starts at the Principal Riverwalk and continues along the Des Moines River towards Gray’s Lake, giving you gorgeous morning views of the river and downtown Des Moines. All participants will receive a swag bag and 5Kt-shirt. Transportation will be provided to and from the event, with pickup at the Downtown Marriott.

Convention Agenda / Exhibit Hall / IPTV Silent & Live AuctionGuests are welcome and encouraged to join us at the Events Center for any scheduled convention activities such as general and breakout sessions, Monday’s guest luncheon, and the reception in the Exhibit Hall Monday afternoon. You are also encouraged to check out the IPTV Silent and Live Auction in the Exhibit Hall and welcome to bid on silent auction packages. Auction proceeds will benefi t Iowa Public Television.

Monday, September 189:00 a.m. Exhibit Hall and Silent Auction10:00 a.m. Opening General Session11:30 a.m. The Tearoom Guest Luncheon1:30 p.m. Breakout Sessions2:30 p.m. Exhibit Hall and Silent Auction3:15 p.m. Breakout Sessions Repeat5:15 p.m. IPTV Live Auction5:30 p.m. IPTV Silent Auction Final Bids4:15-6:00 p.m. Reception in the Exhibit Hall

Tuesday, September 196:00 a.m. IBBP 5K Fun Run & Walk9:15 a.m. Exhibit Hall10:30 a.m. General Session • James Leach Leadership Award • James Olson12:00 p.m. Adjourn

JoFrthdo

Convention details

I O W A B A N K E R S A S S O C I A T I O N

IBA Convention DetailsRegistration ScheduleVeterans Memorial AuditoriumSunday, September 17 • 1:00 – 5:00 p.m. (Vets)Monday, September 18 • 6:30 a.m. – 4:30 p.m. (Vets)Tuesday, September 19 • 7:00 a.m. – 12:00 p.m. (Vets)Please note: Name badges will NOT be needed for the Sunday reception, so you can wait to pick up your convention registration information Monday morning if you prefer.

Veterans Memorial Auditorium833 5th Ave., Des Moines, IA 50309

Hotel ArrangementsConvention attendees should contact the hotel of their choice directly for reservations. Please note: Available rooms at your hotel of choice could sell out prior to the deadline. You are encouraged to make reservations early.

Downtown Des Moines Marriott - $143700 Grand Avenue, Des MoinesPh. 515-245-5500 (make reservations by August 25)

Hyatt Place - $139418 6th Avenue, Des Moines Ph. 800-634-3839 (make reservations by August 17)

Parking at the Events CenterParking is available in the north lot of Veterans Auditorium for $8 per day. (Cash only.)

TransportationOn Sunday evening, shuttle busses will run between the Marriott Hotel and West End Salvage from 5:30 - 7:30 p.m.

Shuttle busses will run between Veterans Auditorium, the Marriott Hotel and Hyatt Place starting Monday at 6:30 a.m. continuing throughout the day until the closing of the Chairman’s Reception at 6:00 p.m. Bus service will resume Tuesday morning at 7:00 a.m. and continue until 1:00 p.m.

IBA Convention Website - IBAConvention.comSee the IBA convention website at ibaconvention.com for up-to-date information about convention events, exhibitors, sponsors, and more.

Convention Wi-FIFree wifi will be available in the exhibit hall.Sponsored by Whitfi eld & Eddy Law

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Registration FeesThe IBA’s tiered fee structure allows you to register additional staff members at reasonable prices. Register by September 4 to receive pricing discounts. These prices are an exceptional value for the number, variety, and caliber of educational and social opportunities.

Registration Fee Advance After September 4IBA Member $375 $395Each Additional Member $305 $325IBA Associate Member $425 $445Non-Member $750 $770Spouse/Guest $100 $125

Included with your RegistrationRegistration fees provide admission to: Sunday evening reception, all general sessions and breakout sessions, Ag Breakfast, Monday’s Spark! luncheon, Monday evening’s Chairman’s Reception, admittance to the Exhibit Hall and Exhibit Hall activities. Registration fees DO NOT include special Guest Program activities.Registration welcome gift sponsored by Equais Alliance and Wipfl i

AttireBusiness and business casual attire are appropriate for all convention events.

Cancellation PolicyA full refund will be provided for cancellations received by September 8. No refunds will be made after September 8, 2017. Substitutions are allowed any time.

Questions?If you have questions or need additional information on the Iowa Bankers Association 2017 Convention, call IBA’s Maggie Feldmann or Ann Winkel at (515) 286-4300 or (800) 532-1423. Fax: (515) 280-4140. Email questions to awinkel@iowabankers.com or mfeldmann@iowabankers.com.

Sponsors & Exhibitors

I O W A B A N K E R S A S S O C I A T I O N

Premier SponsorsBankers’ BankBell BankBKDCliftonLarsonAllen LLPData Business EquipmentDougherty & CompanyEquais AllianceFederal Home Loan BankFinastraFiserv

Fredrikson & ByronIBA SecuritiesKirk Gross CompanyMIBSHAZAMSingle Source Architects & Master BuildersTurnkey AssociatesUMB BankWhitfi eld & Eddy LawWipfl i

GoldBaker GroupBank Financial Services GroupBankers’ Healthcare GroupCHUBBConvergint TechnologiesD.A. DavidsonHarland ClarkeNorthland SecuritiesPromonotory Interfi nancial NetworkQuad City Bank & Trust

IPTV AuctionAll CoveredAscensusBank Financial Services GroupDavis Brown Law FirmDickinson, Mackaman, Tyler & Hagen, PCEide BaillyFARINFNNB BankGraduate School of Banking at Univ. of WisconsinKPMG LLPQuad City Bank & TrustTurnKey Security EquipmentVital Financial Services

In-Kind DonationsIowa Gaming AssociationScreenscape Studios

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Convention ExhibitorsABA Insurance ServicesAll CoveredAscensusAutomated System, Inc. Bank Compensation ConsultingBankers’ BankBCC AdvisersBank Financial Services GroupBKDBTC Capital ManagementComptroller of the CurrencyConvergint TechnologiesCountry Bankers Systems LLCCPI TelecomD.A. Davidson & Co. D+HData BusinessDougherty Funding LLCEide BaillyEquias AllianceFARINFederal Reserve Bank of ChicagoFINPACK Credit Analysis SolutionsFIPCOFiservGraduate School of Banking at Colorado Graduate School of Banking at University of WisconsinHarland ClarkeIBA Securities

Iowa Bankers AssociationIowa Bankers Insurance & Services, Inc.Iowa Bankers Mortgage CorporationIowa Business Growth CompanyJohn M. Floyd & AssociatesKirk GrossMIBModern Banking SystemsMoney Handling MachinesNorthland SecuritiesOneBeacon Financial ServicesPeoples CompanyPMA FundingPrintMail Solutions, Inc.PromonotoryPurple Wave AuctionQuad City Bank & TrustRSM US LLPSHAZAMSingle Source Architects & Master BuildersStratman SolutionsThe Redmond CompanyTraceSecurityTurnkey AssociatesTurnKey Security EquipmentUMBVantage Point SolutionsVGM ForbinWipfl i LLP

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