Event Information westernbankers.com/BPS20

Registration Information

Erin Ravenscraft (916) 438-4430 [email protected]. January 7-9, 2020 Sponsorship Information Four Seasons Resort Rosemary Mignano (916) 438-4435 at the Biltmore [email protected] Santa Barbara, California 9:30 a.m. – 10:30 a.m. Opening Keynote Address Bank Presidents Seminar Three Megatrends and Four Best Practices That Will Shape Your Business Future This is WBA’s only program exclusively for member bank presidents and CEOs. Richard Karlgaard, Publisher and Futurist, Forbes Media 10:30 a.m. – 10:50 a.m. Refreshment Break Senior leaders of western region banks are invited to attend and share in informative 11:00 a.m. – 12:00 p.m. Breakout Sessions – Series 1 sessions discussing the ever-changing landscape of the financial services arena at the Session 1: M&A Outlook for 2020 beautiful Four Seasons Resort at the Biltmore in Santa Barbara. Aaron Axton, Principal, Keefe, Bruyette & Woods Jeff Wishner, Managing Director, Keefe, Bruyette & Woods Caspar Bentinck, Managing Director, Sandler O’Neill + Partners, LP David Sandler, Principal, Sandler O’Neill + Partners, LP Session 2: Facing the Liquidity Challenge Head On Mark Haberland, Managing Director, Darling Consulting Program At-A-Glance 12:00 p.m. – 1:15 p.m. Luncheon | Live Auction to Support CBA’s Federal PAC 1:30 p.m. – 2:45 p.m. General Session U.S. and California Economic Outlook Chris Thornberg, Founder, Beacon Economics

Monday, January 6, 2020 2:45 p.m. – 3:15 p.m. Refreshment Break 3:15 p.m. – 4:30 p.m. Peer Networking Exchange 5:30 p.m. – 8:30 p.m. WBA and Banker Benefits Board of Directors Reception and Dinner 5:00 p.m. – 6:00 p.m. Reception Tuesday, January 7, 2020 6:00 p.m. – 8:00 p.m. Dinner/Entertainment

10:00 a.m. – 6:00 p.m. Registration Opens Thursday, January 9, 2020 10:00 a.m. – 12:00 p.m. Executive Committee Meeting (Lunch provided) 7:30 a.m. – 12:00 p.m. Registration Open 1:15 p.m. – 2:45 p.m. Board of Directors Meeting 8:00 a.m. – 9:00 a.m. Breakfast 3:30 p.m. – 5:00 p.m. Banker Benefits Board of Directors Meeting 9:00 a.m. – 10:00 a.m. Breakout Sessions – Series 2 5:00 p.m. – 6:00 p.m. Welcome Reception Session 1: The Latest on California’s Privacy Act Evening Open for Vendor Dinners Kevin Gould, SVP, Government Relations, California Bankers Association Nancy Thomas, Partner, Morrison & Foerster LLP Session 2: Cybersecurity Takes a Seat in the Boardroom Wednesday, January 8, 2020 Trent Fleming, Trent Fleming Consulting

7:30 a.m. – 4:00 p.m. Registration Open (Closed during luncheon: 12:00 p.m. – 1:15 p.m.) 10:00 a.m. – 10:30 a.m. Refreshment Break

8:00 a.m. – 9:00 a.m. Breakfast 10:30 a.m. – 12:00 p.m. Closing Keynote Speaker

9:15 a.m. – 9:30 a.m. Welcome Remarks Steve Hatfield, Global Future of Work Leader Principal, Deloitte Consulting LLP Opening Keynote Introduction Steve Andrews, President & CEO, Western Bankers Association 12:00 p.m. Conference Adjourns General Session Speaker Profiles

Richard Karlgaard Christopher Thornberg, PhD

One of the most influential and respected figures in the technology, economic, Founding Partner, Beacon Economics and business worlds, Rich Karlgaard advises audiences on how to harness an Christopher Thornberg founded Beacon Economics LLC in 2006. In 2015, Dr. organization’s strengths to maximize business opportunities in a fast-changing Thornberg also became director of the UC Riverside School of Business Center for global marketplace. Economic Forecasting and Development and an adjunct professor at the School.

Praised by Microsoft CEO, Satya Nadella, and FedEx chairman and CEO, Fred An expert in economic and revenue forecasting, regional economics, economic Smith for his insights, Rich is a thought leader that Fortune 500 companies, small policy, and labor and real estate markets, Dr. Thornberg has consulted for private businesses, and national associations turn to for a reliable roadmap of what’s industry, cities, counties, and public agencies in Los Angeles, San Francisco and to come. Drawing from his roles as a Silicon Valley-based publisher for Forbes, the Bay Area, San Diego, the Inland Empire, Seattle, Orange County, Sacramento, a columnist for Forbes Asia, host of the annual Forbes Global CEO Conference Nevada, and other geographies across the nation. and semi-annual Forbes investor cruises, Rich helps audiences gain a practical understanding of the events that are rapidly changing their world—from tech to He is a panel member of the National Association of Business Economists’ Trump—and the impacts on business, industry, and markets. quarterly “Outlook,” and a contributor to monthly economics polls published by Reuters. He also serves on the boards of directors of both the California Chamber Rich equips today’s leaders with timely insights that help them adapt to the era of Commerce and the Los Angeles Area Chamber of Commerce, and is an of technological and political disruption and thrive in an increasingly competitive executive member of the Central City Association (Los Angeles). Prior to launching global marketplace. He is also a regular guest on the FOX Business Network and Beacon Economics Dr. Thornberg was a senior economist with UCLA’s Anderson the author of best-selling books on high-performance organizations. Forecast.

A well-known media commentator, Dr. Thornberg has appeared on CNN and NPR Steve Hatfield, Global Future of Work Leader and is regularly quoted in major national dailies including Principal, Deloitte Consulting LLP and New York Times. Originally from upstate New York, Dr. Thornberg holds a Ph.D in Business Economics from The Anderson School at UCLA, and a B.S. degree As the Global Future of Work Leader for Deloitte Consulting, Steve advises the in Business Administration from the State University of New York at Buffalo. world’s most recognized global organizations on bringing to life the trends impacting the future of work, workforce and workplace. With more than 30 years of experience advising global organizations, Steve specializes on activating strategy, defining a preferred future, addressing workforce trends, implementing agile and resilient operating models, and transforming cultures oriented to growth, innovation and agility.

Steve is an expert on trends shaping the workforce, authoring research and pieces on the future of work, the opportunity for organizations to provide more meaningful work to their employees, the potential in the aging workforce and understanding the workforce’s expectations. He has been quoted by the business media in The Wall Street Journal, , The Huffington Post and more. He is a regular speaker on innovation, disruption, and workforce transformation at venues around the world including recent presentations at SXSW, Singularity University’s Global Summit, and the New Profit Venture Fund Gathering of Leaders.

A former member of the Peace Corps, Steve has a Masters in Social Change & Development from Johns Hopkins and an MBA from Wharton. Session Descriptions General Information

Registration Fees Individuals may make their guest room reservations Facing the Liquidity Challenge Head On directly with the Resort by calling (805) 565-8299 or by Early-Bird Registration Fees through visiting www.fourseasons/santabarbara.com. In order Loan growth is outpacing deposit growth. Loans are becoming a higher percentage of total assets. Wholesale December 17, 2019 to receive the group rate of $435, attendees must funding levels are increasing and the potential for deposit attrition continues to grow. Liquidity is under pressure. • WBA Member $995 mention the WBA Bank Presidents Seminar 2020 This session will address the changing liquidity landscape, and what every bank should be doing to develop a “best • Spouse $495 Group Block or enter the booking code RL0120WBA. practice” approach in liquidity management—regardless of the levels of liquidity you have today. Participants will The hotel cut-off date is Friday, December 6, 2019 and gain valuable insights through discussion and examples of industry trends and what lies ahead for the community Regular Registration after December 17, 2019 any reservations made after this date will be subject to sector, as well as real life case studies which highlight strategies to increase margin while managing liquidity risk. • WBA Member $1,345 availability and the best available rate. • Spouse $495 • Mark Haberland | Managing Director, Darling Consulting The WBA member registration fee covers the cost of Hotel Cancellations program sessions, speakers and all meal functions. The Four Seasons Resort at the Biltmore has a 21-day M&A Outlook for 2020 The spouse fee includes scheduled conference social cancellation policy and requires a fully non-refundable gatherings, meal functions and a planned spouse deposit of all nights’ room and tax to secure your The session will explore the current M&A environment in the western region and the outlook for 2020. The activity. Spouse activity details will be available in reservation. Should you need to cancel, your cancellation session will take the perspective of both the buyer and seller and discuss the elements of what makes a November. must be received with 21-days prior to your confirmed deal come together successfully, and what can negatively impact a deal. Both quantitative measures and arrival. Your confirmed reservation and the above qualitative concerns will be reviewed in this interactive session. cancellation policy will be provided in writing, via email, to Registration Information you from the Four Seasons Resort at the Biltmore. • Aaron Axton, Principal | Keefe, Bruyette & Woods Register online at westernbankers.com/BPS20 or send enclosed registration form with payment to: • Jeff Wishner, Managing Director | Keefe, Bruyette & Woods Airports, Hotel Parking, and • Caspar Bentinck, Managing Director | Sandler O’Neill + Partners, LP Western Bankers Association Ground Transportation • David Sandler, Principal | Sandler O’Neill + Partners, LP Attn: Accounting Dept – A/R 1303 J Street, Suite 600 The Four Seasons Resort at the Biltmore resort Sacramento, CA 95814 offers complimentary day valet parking. Self-parking Cybersecurity Takes a Seat in the Boardroom surrounding the property is $20 per night, per vehicle and overnight valet parking is $38 per night, per vehicle. Matters of technology, including cybersecurity, must be of great importance at all levels of the bank, including Cancellation Policy the board. This session will take a look at current cybersecurity issues, regulator expectations, and related If you are flying, you may use the Santa Barbara, Los Registration fees less a $75 processing fee per registrant matters that your board must be educated on. Board members and bank management will gain key insights into Angeles or Burbank airports. The Santa Barbara Airport will be refunded if cancellation is received by December is approximately a 20-minute drive to the Four Seasons how to manage this important business issue, from compliance to protection of bank and customer assets. 23, 2019. No refund if cancellations are received after Biltmore. December 23. • Trent Fleming | Trent Fleming Consulting Special Dietary or Physical Needs Registration Questions The Latest on California’s Privacy Act Any attendee with special dietary or physical needs Contact Erin Ravenscraft at (916) 438-4430 or should indicate so on the registration form. Privacy and data security have emerged as a bi-partisan issue, which was demonstrated by the swift passage [email protected]. of the California Consumer Privacy Act (CCPA) of 2018. While businesses are working diligently to comply with Sponsorship Opportunities the CCPA given its January 1, 2020, effective date, additional reforms designed to protect consumers are on Location Please contact Rosemary Mignano at (916) 438-4435 or the horizon and efforts by the California Legislature and at the ballot box are sure to encourage other states Four Seasons Resort at the Biltmore [email protected] to obtain pricing and to act and will prompt conversations at the federal level. Join us for this timely and informative discussion 1260 Channel Drive a complete list of available sponsorships for this event. where we will provide an update on the CCPA and foreshadow what we anticipate surfacing during the year. Santa Barbara, California 93108 Additional sponsorship information is available on our (805) 565-8299 website at westernbankers.com/BPS20. • Kevin Gould, SVP, Government Relations | California Bankers Association • Nancy Thomas, Partner | Morrison & Foerster LLP Event Information westernbankers.com/BPS20

Registration Information

Erin Ravenscraft (916) 438-4430 [email protected]. January 7-9, 2020 Sponsorship Information Four Seasons Resort Rosemary Mignano (916) 438-4435 at the Biltmore [email protected] Santa Barbara, California