2017 ANNUAL SUMMIT MAY 16-17, 2017 GRAND HYATT HOTEL , CO 2017 ANNUAL SUMMIT SPONSORS

We thank and recognize the following companies for their generous contribution to our program.

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page 1 2017 ANNUAL SUMMIT SPONSORS

ANNUAL MAY 16-17, 2017 SUMMIT GRAND HYATT HOTEL, DENVER, CO BANKERS ASSOCIATION

Thank you for joining us for the 2017 Annual Summit of the Colorado Bankers Association. Over the next day and a half, you will gather information and insight to forge into the future stronger and better equipped to lead your banks and your industry.

Each of our presenters is a respected expert in his or her field and will share with you a wealth of information on topics ranging from regulations, emerging risks in bank litigation and agricultural conditions to what bankers can expect related to the state’s housing market, construction litigation reform and the seemingly ever-present issue of providing financial serivces to the marijuana industry.

In addition, we invite you to enjoy the irreplaceable networking opportunities with your peers, public officials and top banking vendors from across the country. Your attendance at this event demonstrates your commitment to your industry and to your community. Thank you for your continued support. We are glad to be going stronger than ever as your advocate on this 125th anniversary of our founding.

Best regards,

Don Childears//President and CEO //Colorado Bankers Association

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STAND APART SCALE SMART GROW BEYOND 2016 CBA LEADERSHIP AGENDA - CBA’S ANNUAL SUMMIT

May 16

8:35-8:45 a.m. A Chair with a view David Kelly, Chief Risk Officer, FirstBank, CBA Chairman

8:45-9:30 a.m. Politics: What’s the new Trump card? Steve House, former Colorado GOP chairman Angela Williams, Colorado State Senator Moderator: Jenifer Waller, COO, Colorado Bankers Association

9:30-9:40 a.m. Break

9:40-9:45 a.m. CBA’s new video: Fix Dodd-Frank today!

9:45-10:30 a.m. The 2017 Reg relief opportunity: An interview of ABA’s Vice Chairman, Jeffrey M. Szyperski Joanne Sherwood, Division President, Citywide Banks

10:30-10:45 a.m. Break

10:45-11:30 a.m. Emerging risk areas in bank litigation Kristin S. Godfrey, Esq. Jones & Keller, Marc J. Musyl, Shareholder, Greenberg Traurig, LLP Jack Tanner, Attorney, Fairfield and Woods

11:30-12:00 p.m. State of banking in Colorado Colorado State Bank Commissioner Chris Myklebust

12:00 -1:00 p.m. CBA Advocate of the Year Award presented Presentations from Platinum sponsors Lunch

page 5 AGENDA - CBA’S ANNUAL SUMMIT

1:00-1:45 p.m. Marijuana and banking: Up in smoke? Zane Gilmer, Partner, Stinson Leonard Street LLC Richie Thorne, Managing Examiner, FRB of Kansas City, Denver branch Mark Haden, Colorado National Bank Chris Myklebust, Colorado State Bank Commissioner

1:45-2:00 p.m. Break

2:00-2:30 p.m. Colorado agricultural conditions Chad Vorthmann, Executive Vice President, Colorado Farm Bureau

2:30-3:00 p.m. Sage advice from past chairs: Suggested actions for Colorado bankers Koger Propst, CEO, ANB Bank Dave Baker, Board of Directors, FirstBank Moderator: Don Childears, President and CEO, CBA

3:00-3:15 p.m. Break

3:15-4:00 p.m. Seeing a better world Taner Kodanaz, Senior Director, DigitalGlobe

4:00-4:45 p.m. The Mystery is us Dr. Steve Nash, Curator and Chair, Department of Anthropology Denver Museum of Nature & Science

4:45-6:00 p.m. Chairmen’s reception

page 6 AGENDA - CBA’S ANNUAL SUMMIT

May 17

8:30-9:15 a.m. Political bottom line: Predicted outcome for bankers’ top 12 federal government relations issues Don Childears, President and CEO, Colorado Bankers Association

9:15-10:00 a.m. How construction litigation is impacting our state Heidi Williams, Mayor of Thornton Herb Atchison, Mayor of Westminster Mike Kopp, President and CEO, Colorado Concern

10:00-10:15 a.m. Break

10:15-11:00 a.m. Housing forecast for Colorado John Covert, President, Metrostudy

11:00-11:45 a.m. How to build a successful and practical community bank M&A strategy - while avoiding the mistakes of your peers Kamal Mustafa, Chairman, The Invictus Consulting Group, LLC

11:45-12:15 p.m. How local control is impacting the business community Josh Penry, Principal, EIS

12:30-1:30 p.m. Annual membership luncheon – all attendees welcome

page 7 CENTER FOR BANK ADVOCACY

Interested in how government legislation and regulation impacts our industry? Contact Mike Bintner at [email protected].

Just as “relationship banking” is important to your bank’s success, building solid and lasting interactions with public officials is critical and these relationships are essential to our industry’s viability.We need to build these relationships now. CBA’s Center for Bank Advocacy immerses participants in a selective leadership experience, and the duration of the program is overseen by CBA’s highly accomplished advocacy professionals. The course culminates with participants learning by doing—with the creation and presentation of an Action Plan on a topic relevant to his or her bank and traveling to Washington D.C. And upon completion, participants will join the highly enthusiastic alumni in a continuing advocacy of your bank, the banking industry, and their future.

The Center for Bank Advocacy reopened my eyes to advocacy and provided me tools I could immediately implement with colleagues and clients. Furthermore, the “program provided knowledge to execute conversations with public officials and firsthand utilize the advocacy skills obtained in the program with Colorado lawmakers in Washington D.C. Jennifer Luce Executive Vice President, FirstBank ”

page 8 SPEAKER BIOS

MAYOR HERB ATCHISON Herb Atchison was elected Westminster Mayor in November 2013. He was first elected to City Council in 1997 and served two terms. Herb serves on the Board of Directors for the Westminster Legacy Foundation and as Vice-Chairman for the Denver Regional Council of Governments (DRCOG).

MR. DAVE BAKER Dave Baker recently retired after 35 years at FirstBank. Baker was elected Executive Vice President of FirstBank Holding Company in 1999 and then COO in 2005. He was named President of FirstBank in 2010. He continues to serve on the bank’s board of directors. He is a former CBA chairman.

MR. DON CHILDEARS President/CEO of the Colorado Bankers Association, Don Childears has served CBA since 1975, preceded by legislative and campaign work for a Congressman. He completed his Juris Doctor from University of Denver College of Law, and BSBA from Colorado State University, where he was student body president. He has chaired numerous national efforts for banking.

MR. JOHN COVERT John Covert, Director of Metrostudy’s Colorado- Region, has been researching and analyzing housing markets since 1999. He is responsible for all operations there including surveying, consulting and managing local client relationships. Prior to joining Metrostudy, Covert was the research manager for the Denver and Salt Lake offices of The Meyers Group.

MR. ZANE GILMER Zane Gilmer is a partnter with Stinson Leonard Street. His practice focuses on business litigation, white collar crime and investigation, and regulatory compliance. He regularly represents clients in state and federal courts and arbitration forums across the country. He represents clients ranging from small regional businesses and individuals to large Fortune 100 companies. Gilmer is also a regular author and speaker on emerging litigation and compliance trends.

MS. KRISTIN GODFREY Kristin Godfrey is a shareholder of Jones & Keller PC and regularly represents financial institutions with regard to regulatory matters, credit transactions and loan workouts and strategies. She also frequently provides counsel to directors and senior management regarding bank operations, policies and procedures. Godfrey and the firm have represented several financial institutions in mergers and acquisitions and private equity transactions. page 9 SPEAKER BIOS

MR. MARK HADEN Mark Haden is Vice President at Colorado National Bank, focusing on cross-organizational planning and operations. Prior to CNB, Mr. Haden was a principal at a family office, working primarily on unique investment opportunities and real estate transactions.

MR. STEVE HOUSE Steve House was elected chairman of the Colorado Republican Committee for two years in March 2015, and brought more than 30 years of business experience to the state Party. Steve has worked as an engineer, service manager, a sales leader and has held a variety of executive leadership roles in the healthcare industry.

MR. DAVID KELLY David Kelly is the Chief Risk Officer for FirstBank Holding Company. His responsibilities include the development, implementation, and ongoing management of all enterprise risk management processes for the company. Kelly has over 23 years of experience in the financial services industry at FirstBank, with more than 20 years of experience in compliance and risk management.

MR. TANER KODANAZ Taner Kodanaz is Senior Director, Industry Leadership Champion at DigitalGlobe. He is a recognized thought leader who is responsible for driving awareness and advocacy for DigitalGlobe’s industry leading solutions. Since joining DigitalGlobe in 2013, Kodanaz has also worked with global development organizations to catalyze and implement strategies for humanitarian and environmental initiatives.

MR. MIKE KOPP Mike Kopp is the President and CEO of Colorado Concern. Kopp’s career began as a paratrooper in the . After his undergraduate work he spent several years in executive leadership positions in ministry and nonprofit work. For nearly a decade he provided organizational development consulting services around the US before being elected to the Colorado State Senate. He served as Caucus Chairman and Senate Minority Leader.

MR. KAMAL MUSTAFA With a banking career spanning more than 40 years, Kamal Mustafa is a major thought leader in the banking and finance industries. As the former head of global M&A for Citibank and now armed with the Invictus Group’s risk analytics, he is uniquely qualified to give strategic insights to the community bank market. He founded Invictus in 2008, and serves as chairman and CEO.

page 10 SPEAKER BIOS

MR. MARK J. MUSYL Marc J. Musyl, a shareholder with Greenberg Traurig, LLP has extensive experience representing public and private business clients in mergers and acquisitions, dispositions, leveraged buyouts, tender offers, capital markets and securites matters, licensing and corporate governance and compliance. He has a broad range of industry experience including financial services. In addition, Marc chairs the firm’s Unclaimed Property Practice Group.

COMMISSIONER CHRIS R. MYKLEBUST Mr. Myklebust was appointed as the State Bank Commissioner on July 8, 2015. As the State Bank Commissioner, he is responsible for all examination and enforcement functions of the Division of Banking. Before this appointment he served as the state’s Commissioner of Financial Services since April, 2006.

DR. STEVE NASH Steve Nash is Curator of Archaeology and Chair of the Department of Anthropology at the Denver Museum of Nature & Science, where he has worked for nearly 11 years. He has written and edited seven books on topics ranging from the history of museums to tree-ring dating. He has conducted archaeological research all over the world, including at Neanderthal sites in France and at Mesa Verde National Park here in Colorado. He also publishes the Curiosities blog at SAPIENS.org. MR. JOSH PENRY Josh Penry is a Principal at EIS Solutions, one of the fastest growing corporate affairs, campaign, and government relations firms in the West. A native of Grand Junction, Penry served in Colorado General Assembly for 6 years – first in the state house and then in the , where Penry was elected Minority Leader of the Senate. Since joining EIS in 2010, Penry has run a number of candidate and initiative races. Penry is the father of four, is married and lives in Greenwood Village.

MR. KOGER PROPST As CEO of ANB Bank and Sturm Financial, Koger Propst, a Colorado native, brings more than 30 years of experience in community banks. Propst began his banking career while still in college. He went on to serve in various branch and market leadership roles with FirstBank in Silverthorne, Fort Collins and Breckenridge. Before joining ANB, he was president of the FirstBank’s largest regional market in Lakewood. He is a former CBA chairman.

MS. JOANNE SHERWOOD Joanne Sherwood is Division President for Citywide Banks in Denver. She joined the bank in 2000. Prior to her work with Citywide, she was a vice president for Mega Bank. She began her career in 1987 at Western Bank, where she earned the rank of First Vice President. She emphasizes on business management, real estate financing and construction lending. page 11 SPEAKER BIOS

MR. JEFFREY M. SZYPERSKI Jeffrey Szyperski is vice-chairman of the American Bankers Association. He isChairman, President & CEO and a member of the Boards of Directors of Chesapeake Financial Shares, Inc. and Chesapeake Bank. He is Chairman & CEO and a member of the Board of Directors of Chesapeake Wealth Management and a former Senior Manager for KPMG Peat Marwick in Raleigh, North Carolina. He is Graduate of the University of North Carolina at Chapel Hill as well as of the Banking School at LSU.

MR. JACK TANNER Mr. Tanner has practiced with the Denver, Colorado full-service business law firm of Fairfield and Woods since 1987. After graduating from Duke Law School (with honors) in 1986 and prior to joining Fairfield and Woods, he served as law clerk to Justice (later Chief Justice) Luis Rovira of the Colorado Supreme Court. Mr. Tanner graduated from Rice University in 1983.

MR. RICHIE THORNE Richie Thorne is assistant vice president of the Denver Examinations and Inspections Department for the Federal Reserve Bank of Kansas City, overseeing state member banks, bank holding companies, and savings and loan companies for organizations located in Colorado, Wyoming and New Mexico. He joined the Bank in 1999 as an examiner and held various positions before being promoted to manager in 2007. He was appointed to his current position in 2012. MR. CHAD VORTHMANN Chad Vorthmann was born and raised on a fourth generation row crop and cattle farm in southwest Iowa. He attended the University of Nebraska, before working as a beef nutrition specialist. Two years later, he joined the staff of the Nebraska Cattlemen’s Beef Association. Vorthmann went back to the state level, joining Colorado Farm Bureau in 2002 as the Director of Communications. He was promoted to Vice President of Organization in 2007 and Executive Vice President in 2012.

SENATOR ANGELA WILLIAMS Senator Angela Williams represents Senate District 33. Williams serves on the Senate Business, Labor, and Technology Committee as well as the Joint Technology Committee. She was recently elected Chair of the Colorado Black Democratic Legislative Caucus. Prior to beginning her first term as State Senator in 2017, she represented House District 7 in the Colorado House of Representatives for six years, where she chaired the House Business Committee.

MAYOR HEIDI WILLIAMS Heidi Williams is Mayor of Thornton. She has lived in the North Metro area since 1989 and has been a resident of Thornton since 2006. Williams owned a retail business in Thornton from 2004-2012. In addition to working in and owning a small business, she has served on many boards. Williams recently graduated in May 2017 with a BS in Political Science and is continuing to work towards a Master’s Degree in Public Administration. page 12 CBA: WHAT WE DO

• Goal: Create economic opportunities for Coloradans to thrive by providing a sound and competitive banking environment.

• Mission: Provide economic opportunities for Coloradans through a sound and competitive banking environment by advocating public policy consistent with that, and enhancing banking’s skills, image and unity.

• Motto: Helping Coloradans realize dreams and making a stronger economy by building better banks.

CBA STAFF: WORKING FOR YOU

Don Childears Jenifer Waller Amanda Averch President and CEO COO and SVP Communications Director

Mike Bintner Brandon Knudtson Lindsay Muniz Education Director Membership Director Executive Assistant

page 13 2017 CBA LEADERSHIP

We thank and recognize the following individuals for their service over the last year. CHAIRMAN CHAIRMAN-ELECT Mr. David Kelly Mr. Mark Driscoll Chief Risk Officer Colorado Market President FirstBank Holding Company First National Bank TREASURER Mr. Bob Ostertag Executive Vice President and CCO Colorado Business Bank

BOARD MEMBERS Michael Wamsganz, Bank of the West Chad Adams, Adams Bank and Trust Margo Young-Gardey, Alpine Bank Jim Basey, Centennial Bank Brendan Zahl, Peoples Bank Jonathan Fox, Fowler State Bank Mark Hall, Vectra Bank STAFF LEADERSHIP Tim Laney, National Bank Holdings Co. Don Childears, CBA, President/CEO Brian Larson, FirstBank Jenifer Waller, CBA, COO and Senior Vice President Todd Munson, JPMorgan Chase Bank Michael Noesen, Guaranty Bank ADVISORY MEMBERS Frank Newman, Wells Fargo Bank Mark Abell, National Bank Holdings Co. Shawn Osthoff, Bank of Colorado Bill Mitchell, Banker’s Bank of the West Jodi Rolland, Bank of America/Merrill Lynch John Montoya, ANB Bank Hassan Salem, US Bank Joanne Sherwood, Citywide Banks Bill Sullivan, Colorado State Bank and Trust Tom Tulodzieski, KeyBank

page 14 2017 ATTENDEES

Adams, Chad Adams Bank & Trust Franzen, Tim JP Morgan Chase Andersen, Linda Ascensus Gebhardt, Wade Mountain Valley Bank Atchison, Herb Mayor of Westminster Gerstner, Krysta FirstBank Aurich, Stacy Bank of the West Gilmer, Zane Stinson Leonard Street, LLP Averch, Amanda Colorado Bankers Association Glantz, Perry Stinson Leonard Street, LLP Baker, Dave FirstBank Godfrey, Kristin Jones & Keller Behm-Meyer, Jeremy FirstBank Grant, Tom Peoples Bank Behrman, Ryan Stinson Leonard Street, LLP Grebenar, Tennyson Lewis Roca Rothgerber Christie, LLP Bergfeld, Alan NEWGROUND Haden, Mark Colorado National Bank Bintner, Mike Colorado Bankers Association Hall, Mark Vectra Bank Biondo, Alexi PNC Bank Halverson, Judd Elan ATM & Debt Services Borden, Tim Yampa Valley Bank Harrell, Greg Adams Bank & Trust Borger, Tanner Commerce Street Capital Harris, David FHLBank Topeka Botts, McKenna FirstBank Harris, Jim Peoples Bank Bratten, Richard Bank Financial Services Group (BFS) Harrison, Terry 3PR Brown, Michael Alpine Bank Harvey, Tijuan Young Americans Bank Brown, Wes FirstBank Hatzopoulos, Anh Dama Technology Bunch, Josie Graduate School of Banking at CO Hauer, Marie Vectra Bank Callas, George Invictus Group, LLC Heaviland, Lavonne FirstBank Carlson, Stephanie SPC Heckman, Kyle Flatirons Bank Childears, Don Colorado Bankers Association Henderson, Kyle FirstBank Chisholm, Mbiyu Bank of the West Henry, Dan Dama Technology Clark, Barkley Stinson Leonard Street, LLP House, Steve Former Colorado GOP Chairman Cleveland, Judy Peoples Bank Huelskamp, Josie FirstBank Cobb, Maura Elan ATM & Debt Services Hunt, Derek First National Bank - Fort Collins Conklin, Leilani Graduate School of Banking at CO Johnson, Josh ANB Bank Conley, Amber Federal Reserve Bank of Kansas City Jones, Brad Colorado Bank & Trust of La Junta Denver Branch Joseph, Fred National Bank Holdings Cordova, Magen The Colorado Bank & Trust of Kalkwarf, Greg BKD La Junta Kaminskas, Kelly FirstBank Covert, John Metrostudy Kasper, Janine Q2 Darnell, Amie ANB Bank Keller, Gary Bell State Bank Derks, Ken Equias Alliance Kelly, David FirstBank DeWolf, Zoey Colorado Legislative Services Kelly, Michael Vectra Bank Dirks, Leah FirstBank Kendall, Adam Jones & Keller Driscoll, Mark First National Bank - Fort Collins King, Dennis Home Loan State Bank Dunn, Taylor Federal Reserve Bank of Kansas City Klaus, Jennifer Peoples Bank Denver Branch Knudtson, Brandon Colorado Bankers Association Ebbs, Aubrey FirstBank Kodanaz, Taner DigitalGlobe Erickson, Kevin Guaranty Bank and Trust Kopp, Mike Colorado Concern Ewert, Nathan Adams Bank & Trust Kostner, Kristen Blanchard Consulting Group Felix, Alison Federal Reserve Bank of Kansas City Krause, Steven Adams Bank & Trust Denver Branch Laney, Tim National Bank Holdings Ferguson, Debbie Pacific Coast Bankers Bank Lantz, Robert Coan, Payton & Payne, LLC Fiedor, Adam GLC Advisors & Co. Larrabee, Lindsey BNY Mellon Fletcher, Angie Stinson Leonard Street, LLP Larson, Brian FirstBank Fox, Jonathan Fowler State Bank Layton, Melanie Colorado Legislative Services

page 15 2017 ATTENDEES

Leonard, Cynthia Peoples Bank Springer, Stacy Federal Reserve Bank of Kansas City Luce, Jennifer FirstBank Denver Branch MacHatton, Megan FirstBank Steinbronn, Michelle Fortner, Baynes, Levkulich & Mackowick, Brian Citywide Banks Garrison Malone, Kelly FHLBank Topeka Stransky, Josh FirstBank Martin, Glenn Promontory Interfinancial Szyperski, Jeff American Bankers Association Network, LLC Szyperski, Wende Martinez, Richard Young Americans Bank Tanner, Jack Fairfield and Woods May, Julie Citywide Banks Thorne, Richard Federal Reserve Bank of Kansas City McElroy, Beverly The Colorado Bank & Trust Denver Branch of La Junta Tilton, Ron FirstBank McLean, Sara Garland Heart Tomlinson, Heather American Bankers Association Molina, Margarita PNC Financial Services Tweten, Tanner FirstBank Montoya, John ANB Bank Van Haselen, Joe MidWestOne Bank Morgan, Seth SPC Companies Vorthmann, Chad Colorado Farm Bureau Muniz, Lindsay Colorado Bankers Association Wade, Marlene Bankers’ Bank of the West Mustafa, Kamal The Invictus Consulting Group Wagner, Brad SPC Companies Musyl, Marc Greenberg Traurig, LLP Wagner, Lance Federal Reserve Bank of Kansas City Myklebust, Chris Colorado Bank Commissioner Denver Branch Nash, Dr. Steve Denver Museum of Nature & Waller, Clay Eide Bailly, LLP Science Waller, Jenifer Colorado Bankers Association Neil, Dan Bank Financial Services Group (BFS) Weins, Jadon FirstBank Nguyen, Andy John M. Floyd Associates Welch, Gregory Northstar Bank Nicholson, Sindy Crowe Horwath, LLP White, Mark Northstar Bank O’Brien, John Snell & Wilmer, LLP Wiley, Dory Commerce Street Capital Ostertag, Bob CoBiz Financial Wilkie, Mary Ellen Jones & Keller Osthoff, Shawn Bank of Colorado Williams, Heidi Mayor of Thornton Panasci, Ernie Stinson Leonard Street, LLP Yoder, Craig Crowe Horwath, LLP Parsley, Trina Federal Reserve Bank of Kansas City Zahl, Brendan Peoples Bank Denver Branch Payne, Mike Coan, Payton & Payne, LLC Penry, Josh EIS Solutions Pietrowski, Nadine Crowe Horwath, LLP Portman, David FirstBank Prinster, Ceyl Colorado Enterprise Fund Propst, Koger ANB Bank Propst, Matthew Vectra Bank Quinn, Kevin Citywide Banks Raley, Diane Federal Reserve Bank of Kansas City Denver Branch Reuter, Jim FirstBank Sandberg, Scott Snell & Wilmer, LLP Sherwood, Joanne Citywide Banks Sorensen, Karen First National Bank - Fort Collins Sparks, Lauren 3PR Inc. Springer, Craig Home Loan State Bank

page 16 CBA PROTECTS WHAT IS MOST IMPORTANT CBA focuses on creating a stronger economy and helping Coloradans realize dreams by building better banks.

The Colorado Bankers Association represents more than 90 percent of the $142 billion in assets within the 141 banks operating in Colorado.

CBA focuses on improvements that increase benefits for customers, value for shareholders, and a stronger business climate for our local economies.

On behalf of the 21,722 men and women who work within a Colorado bank, CBA works with government to continually improve the banking industry in this rapidly changing environment.

CBA also provides industry-specific information and education to bankers, offers bank insurance, acts as a partner between bankers and servicers and provides other miscellaneous services.

CBA advocates economic opportunities for all Coloradans through a sound and competitive banking environment by advocating supportive public policy, and enhancing banking’s skills, image and unity.

page 17 INFORMATION = POWER Get in shape for your next exam! REGULATORY FEEDBANK INITIATIVE

Request a free Custom Exam Preparation Report Colorado Bankers Association and get prepared for your next exam. a proud member of This report is driven by thousands of bankers who have anonymously taken our survey. No more exam surprises! Request your Custom Exam Preparation Report at www.allbankers.org 2017 ANNUAL SUMMIT SPONSORS

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