123rd Annual Convention and 47th Annual Bank Counsel Seminar

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Program guide sponsored by

May 8 - 10, 2014 Ritz-Carlton Laguna Niguel • Dana Point, California

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2 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar HOTEL MAP

Floor Plan CBA Registration

Concurrent Sessions Plaza & Pavilions 1 - 4

Exhibit Hall Salons 1 - 3

Lunch Monarch Bay Courtyard

General Sessions Salons 4 - 6

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 3 SPONSORS

CBA wishes to thank our sponsors and exhibitors of the 123rd Annual Convention and 47th Annual Bank Counsel Seminar: GOLD

SILVER

BRONZE

MARKETPLACE VENDORS AmTrust North America Booth #200 IBIS Independent Bankers Booth #102 Bank Financial Services Group Booth #106 Insurance Services California Pollution Control Booth #201 LoanScoreCard Booth #110 Financing Authority (CPCFA) LoanStreet LLC Booth #107 CenterState Bank Booth #105 McGladrey LLP Booth #104 CNA Insurance Booth #100 Office of the Comptroller Booth #204 Comcast Business Booth #109 of the Currency Data Center, Inc. Booth #108 Pacific Coast Banking School Booth #202 Diebold, Inc. Booth #101 Promontory Interfinancial Booth #112 Network, LLC EC Purchasing Booth #205 ShoreTel, Inc. Booth #111 FPS Gold Booth #103 SNL Banker Booth #113 Harland Clarke Booth #114 Vitex, Inc. Booth #203 *CBA Strategic Partners

4 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar PROGRAM AT-A-GLANCE

Wednesday, May 7, 2014 11:30 a.m. – 2:00 p.m. CBA Executive Committee Meeting Promenade Room 3:00 p.m. - 4:30 p.m. Banker Benefits Board Meeting Promenade Room 6:15 p.m. – 7:00 p.m. CBA Board and Banker Benefits Reception Monarch Bay Sunset Sponsored by Standard and Poor’s Financial Services Ratings Terrace 7:00 p.m. – 9:00 p.m. CBA Board and Banker Benefits Dinner Plaza Room Sponsored by Standard and Poor’s Financial Services Ratings

Thursday, May 8, 2014 9:00 a.m. – 6:30 p.m. Registration Opens Salons 1-4 Foyer Sponsored by Kraft Opich, LLP 9:00 a.m. – 11:00 a.m. CBA Board of Directors Meeting and Breakfast Plaza Room 10:30 a.m. – 1:00 p.m. General Counsel Roundtable Terrace Salon (Invitation only) 11:30 a.m. – 1:00 p.m. Past Presidents Luncheon PDR 11:30 a.m. – 1:00 p.m. Past Presidents Spouses Luncheon Pavilion 5 1:15 p.m. – 1:30 p.m. Conference Welcome and Overview Salons 4-6 Jeff Ball, CBA Chairman 1:30 p.m. – 2:30 p.m. Keynote Speaker Salons 4-6 Bill Taylor, Founding Editor Fast Company Magazine Sponsored by Harland Clarke 2:30 p.m. – 3:00 p.m. Refreshment Break and Marketplace Opening Salons 1-3 3:00 p.m. – 4:30 p.m. Concurrent Sessions – Series I Pavilion 1 Senior Officers Branch Transformation – Bank Branch of the Future Pavilion 2 Directors Performance Metrics and Incentive Compensation Plans for Banks Plaza Room Bank Counsel Seminar Banking/Political Round Robin * 5:00 p.m. – 6:30 p.m. Welcome Reception in Marketplace and Wine Tour Salons 1-3 * Approved for MCLE

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 5 PROGRAM AT-A-GLANCE

Friday, May 9, 2014 7:30 a.m. – 4:30 p.m. Registration Open Salons 1-4 Foyer Sponsored by Kraft Opich, LLP 7:30 a.m. – 9:00 a.m. Continental Breakfast in Marketplace Salons 1-3 8:00 a.m. –8:15 a.m. Introduction and Election of CBA Directors and Officers Salons 4-6 Jeff Ball, CBA Chairman 8:15 a.m. – 9:30 a.m. Keynote Speaker Salons 4-6 Dr. Patrick Bettin Senior Lecturer, Michael G. Foster School of Business Adjunct Associate Professor, Department of Psychology University of Washington Co-Sponsored by Pacific Coast Banking School and the California Bankers Association Plaza Room Bank Counsel Seminar When Your Municipality Goes Bankrupt * Pavilion 1 Bank Counsel Seminar Banking, the Supreme Courts and the Constitution * 9:30 a.m. – 10:00 a.m. Refreshment Break in Marketplace Salons 1-3 Sponsored by PNC Bank, NA 10:00 a.m. – 11:30 a.m. Concurrent Sessions – Series II Pavilion 1 Senior Officers Rising Rate Readiness: Interest Rate and Liquidity Risk Management Issues and Strategies Pavilion 2 Directors The Bank Director’s Dashboard Pavilion 3 Bank Counsel Seminar Lessons Learned From the Great Recession: For the Survivors * Pavilion 4 Bank Counsel Seminar Commercial and Real Estate Lending: Why Banks Got Sued / How to Avoid Being Sued * 11:30 a.m. -1:15 p.m. Luncheon Monarch Bay Courtyard Committee Member of the Year and Frandzel Awards Presentation 1:30 p.m. – 2:45 p.m. Regulatory Agency Panel * Salons 4-6 Moderator: William Haraf, Managing Director Promontory Financial Group, LLC 2:45 p.m. – 3:15 p.m. Refreshment Break and Exhibitor Prize Drawings in Marketplace Salons 1-3 Sponsored by King, Holmes, Paterno & Berliner, LLP

* Approved for MCLE

6 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar PROGRAM AT-A-GLANCE

Friday, May 9, 2014 continued 3:15 p.m. – 4:45 p.m. Concurrent Sessions – Series III Pavilion 1 Senior Officers Managing Regulatory Risks: Exam Hot Bottons with the OCC, FDIC, Fed and DBO * Pavilion 2 Directors The Directors’ Role in Effective Balance Sheet Risk Management Pavilion 3 Bank Counsel Seminar Commercial and Real Estate Lending: Why Banks Got Sued / How to Avoid Being Sued * Pavilion 4 Bank Counsel Seminar Bank Operations Update * 4:45 p.m. – 5:45 p.m. Free time 5:45 p.m. – 6:45 p.m. Gala Reception Monarch Bay Courtyard 6:45 p.m. – 9:00 p.m. Gala Dinner Salons 4-6 2014 – 2015 CBA Board Chair Installation

Saturday, May 10, 2014 7:30 a.m. – 12:00 p.m. Registration Open Salons 1-4 Foyer Sponsored by Kraft Opich, LLP 7:30 a.m. – 9:00 a.m. Buffet Breakfast Salons 1-3 9:00 a.m. – 10:30 a.m. Concurrent Sessions – Series IV Pavilion 1 Senior Officers Public and Private Partnering Against the Cyber Fraud Threat Pavilion 2 Bank Counsel Seminar** Where Were the Lawyers During the Financial Crisis? * Pavilion 3 Bank Counsel Seminar** Bank Operations Update * 10:30 a.m. – 10:45 a.m. Refreshment Break Salons 1-3 10:45 a.m. – 12:00 p.m. Keynote Speaker Salons 4-6 Dr. Christopher Thornberg Economist and Founding Partner Beacon Economics 12:00 p.m. Conference Adjourns

**This session will be video recorded by CBA * Approved for MCLE

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 7 SPOUSE/GUEST AGENDA

As a spouse/guest registered for the 123rd Annual Convention and 47th Annual Bank Counsel Seminar, you are welcome to attend the following scheduled social functions and meals.

Thursday, May 8, 2014 9:00 a.m. – 6:30 p.m. Registration Opens Salons 1-4 Foyer Sponsored by Kraft Opich, LLP 1:15 p.m. – 1:30 p.m. Conference Welcome and Overview Salons 4-6 Jeff Ball, CBA Chairman 2:30 p.m. – 3:00 p.m. Refreshment Break and Marketplace Opening Salons 1-3 5:00 p.m. – 6:30 p.m. Welcome Reception in Marketplace and Wine Tour Salons 1-3 Friday, May 9, 2014 7:30 a.m. – 4:30 p.m. Registration Open Salons 1-4 Foyer Sponsored by Kraft Opich, LLP 7:30 a.m. – 9:00 a.m. Continental Breakfast in Marketplace Salons 1-3 9:30 a.m. – 10:00 a.m. Refreshment Break in Marketplace Salons 1-3 Sponsored by PNC Bank, NA 11:30 a.m. -1:15 p.m. Luncheon Monarch Bay Courtyard Committee Member of the Year and Frandzel Awards Presentation 2:45 p.m. – 3:15 p.m. Refreshment Break and Exhibitor Prize Drawings in Marketplace Salons 1-3 Sponsored by King, Holmes, Paterno & Berliner, LLP 5:45 p.m. – 6:45 p.m. Gala Reception Monarch Bay Courtyard 6:45 p.m. – 9:00 p.m. Gala Dinner Salons 4-6 2014 – 2015 CBA Board Chair Installation

Saturday, May 10, 2014 7:30 a.m. – 12:00 p.m. Registration Open Salons 1-4 Foyer Sponsored by Kraft Opich, LLP 7:30 a.m. – 9:00 a.m. Buffet Breakfast Salons 1-3 10:30 a.m. – 10:45 a.m. Refreshment Break Salons 1-3 12:00 p.m. Conference Adjourns

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 8 8 KEYNOTE SPEAKERS

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 9 KEYNOTE SPEAKERS

Thursday, May 8 Bill Taylor, Founding Editor of Fast Company Magazine Bill Taylor is an agenda-setting writer, speaker and entrepreneur who has shaped the global conversation about the best ways to compete, innovate and succeed. As co-founder and founding editor of Fast Company, he launched a magazine that won countless awards, earned a passionate following among executives and entrepreneurs around the world and became a legendary business success. His latest book, “Practically Radical: Not-So-Crazy Ways to Transform Your Company, Shake Up Your Industry, and Challenge Yourself,” is based on in-depth access to 25 organizations that are making deep-seated changes under the most trying circumstances imaginable. These organizations (from hard-charging technology companies to long-established nonprofits, from hospitals to automakers to banks) are mastering a set of strategies and practices that define the work of leadership in turbulent times — ideas from which every leader can learn. He is a graduate of Princeton University and the MIT Sloan School of Management.

Friday, May 9 Dr. Patrick Bettin, Senior Lecturer, Michael G. Foster School of Business and Adjunct Associate Professor, Department of Psychology, University of Washington Dr. Patrick Bettin is an internationally respected consultant, researcher and educator in the field of leadership and management development. He is a senior lecturer at the Foster School of Business and an adjunct associate professor at the University of Washington’s psychology department. He is a 27-time recipient of the business school’s “Excellence in Teaching Award.” Dr. Bettin was also recognized for his exceptional teaching abilities. He has designed and delivered comprehensive leadership development programs for a variety of telecommunications, aerospace, engineering, manufacturing, health care and service organizations. During his military career, he was the recipient of the William O. Darby award as the distinguished honor graduate of the Army’s prestigious Ranger School, has been decorated for valor twice, and was awarded two Purple Hearts for wounds received in combat.

Saturday, May 10 Dr. Christopher Thornberg, Economist and Founding Partner Beacon Economics Dr. Christopher Thornberg is founding partner of Beacon Economics and widely considered to be one of California’s leading economists. An expert in economic forecasting, regional economics, labor markets, economic policy, and industry and real estate analysis, he was one of the earliest and most adamant predictors of the sub-prime mortgage market collapse and of the global economic recession that followed in 2008. Dr. Thornberg serves on the advisory boards of Paulson & Co. Inc., one of Wall Street’s leading hedge funds, and the Los Angeles Area Chamber of Commerce, Southern California’s largest nonprofit business federation. Between 2008 and 2012 he served as a chief economic advisor to the California state controller’s office and was chair of Controller John Chiang’s council of economic advisors.

10 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar REGULATORY UPDATE

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 11 REGULATORY UPDATE

Friday, May 9 This panel will discuss the key regulatory issues facing our industry, and approaches to examinations and compliance in the current environment. The session will also feature an interactive question-and-answer session between meeting attendees and the representatives from these five regulatory agencies.

Moderator William Haraf Managing Director Promontory Financial Group

Panelists Edwin Chow Regional Director Consumer Financial Protection Bureau

Stan Ivie Regional Director Federal Deposit Insurance Corporation

Kay Kowitt Deputy Comptroller Office of the Comptroller of the Currency

Jan Owen Commissioner California Department of Business Oversight

Wallace Young Director, Risk Monitoring and Analysis Group Banking Supervision and Regulation Federal Reserve Bank of San Francisco

12 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar CONCURRENT SESSIONS: SENIOR OFFICERS

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 13 SENIOR OFFICERS

Branch Transformation – Bank Branch of the Future The retail financial services industry is undergoing dramatic transformation due to various overarching meta trends that are acutely affecting the branch. As a result, financial institutions must explore how the branch channel can be better integrated into a multichannel approach to acquiring, engaging and retaining customers in the coming years to avoid a sustained drain on financial institutions’ overall profits. This session will review emerging themes, talk about what consumers want, and describe what Diebold views as the five steps to branch transformation and specific strategies for success. Brian Porter Manager of Branch Transformation Diebold, Inc.

Rising Rate Readiness: Interest Rate and Liquidity Risk Management Issues and Strategies Rising rate readiness is top of mind throughout the regulatory community. There are legitimate concerns whether banks’ current interest rate and liquidity risk “assessments” have vetted sufficiently the potential key drivers of their balance sheet risk profiles, which begs the question as to how banks can develop appropriate strategies unless their risk assessments are “right?” And preparing for rising rates cannot ignore other important questions - what if rates in general don’t rise meaningfully from current levels, and what if term rates decline from current levels? Whether asset or liability sensitive, bank strategy development must address alternative outcomes. This session is designed to create the appropriate focus for developing appropriate strategies for rising rate readiness in a continued highly uncertain environment. Case examples will be presented and discussed. Matt Pieniazek President Darling Consulting Group

14 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SENIOR OFFICERS

Managing Regulatory Risks: Exam Hot Buttons with the OCC, FDIC, Fed and DBO An informative discussion hosted by officials from the FDIC, OCC, Federal Reserve and DBO that will include an overview of banking conditions in California along with emerging examination concerns. Specifically, the panel will discuss continued and emerging credit risks, asset/liability management, third-party due diligence and compliance with BSA.

Annette Cheng Catherine Nahnsen-Robison Assistant Deputy Commissioner Deputy Commissioner California Department of California Department of Business Oversight Business Oversight, Division of Banking

Michelle Ogren Kurt Raney Special Assistant to the Regional Director Associate Deputy Comptroller Federal Deposit Insurance Corporation Office of the Comptroller of the Currency

Wallace Young Director, Risk Monitoring and Analysis Group Banking Supervision and Regulation Federal Reserve Bank of San Francisco

Public and Private Partnering Against the Cyber Fraud Threat

Andrea Hoy, Moderator Lt. Jimmy Garcia Capt. Bill Williams International President, Los Angeles County District Los Angeles Police Information Systems Attorney’s Office Department Security Association Greg Auer Briane Grey Maria Ramirez Assistant to the Special Agent Head of Security Head Deputy, Los Angeles in Charge, United States City National Bank County District Attorney’s Secret Service Office Capt. Shaun Mathers Jensen Penalosa Los Angeles County Sheriff’s Marc Beaart Supervisory Special Department Asstistant Head Deputy, Agent, Federal Bureau of Los Angeles County District Investigation Anne McEvilly Attorney’s Office Principal Aldrich Bonnefin & Moore, PLC

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 15 Save the Date

2015 Bank Presidents Seminar JANUARY 8 - 10, 2015 The Four Seasons Biltmore • Santa Barbara, California

16 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar CONCURRENT SESSIONS: DIRECTORS

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 17 DIRECTORS

Performace Metrics and Incentive Compensation Plans for Banks In the current changing interest rate environment, banks are faced with a number of challenges including reduced loan demand, regulatory and compliance issues, flat earnings and improving shareholder value. Also, banks are looking for prudent alternatives to enhance earnings and improve shareholder value. Furthermore, attracting and retaining key officers and directors using competitive executive benefit plans remains a key issue. This session will provide an overview of non-qualified benefit plans used to attract and retain key officers and directors as well as an update on bank-owned life insurance (“BOLI”) and the effective use of this investment in helping offset the costs of non-qualified benefit plans. Michael Blanchard Eric Johnsen CEO Executive Benefits and BOLI Consultant Blanchard Consulting Group Equias Alliance

The Bank Director’s Dash Board The bank director’s dash board has multiple gauges and instruments that community bank directors monitor and use to operate a safe and sound community bank. While monitoring the right instruments and gauges is important, ensuring they are properly calibrated is essential. Best practices require continuous evaluation and recalibrating of the gauges to address changes in economic conditions and the resulting impact on community banks. Recalibrate the gauges in your bank director’s dash board by attending this session to examine the latest developments in cybersecurity, lending and allowance for loan losses, interest rate risk, capital planning and outsourcing. Jeffrey Clair Derek Criswell Francis Tam CPA, Partner CPA, Partner CPA, Partner Moss Adams LLP Moss Adams LLP Moss Adams LLP

The Directors’ Role in Effective Balance Sheet Risk Management Over the past year there has been increased regulatory pressure for directors to become more engaged with and knowledgeable about their bank’s overall enterprise risk management activities. Currently, there is a particular emphasis on the asset/liability management process (interest rate risk, liquidity risk and capital management) and its direct role in bank strategy development. A director’s role in the asset/liability management process requires an appropriate knowledge of the risk/return aspects of the banking industry in general, and of their bank in particular, so that reasonable guidelines can be established for measuring and monitoring risk. This session will create an appropriate framework for helping directors develop the right questions regarding important balance sheet risk management issues facing their banks today. It will also help attendees understand the differences between enterprise risk management and the existing asset/liability management process of their bank. Matt Pieniazek President Darling Consulting Group

18 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar CONCURRENT SESSIONS: BANK COUNSEL SEMINAR

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 19 BANK COUNSEL SEMINAR

Banking/Political Round Robin Bankers coping with critical national political trends: a round robin discussion about banking, politics, the debt, elections and more.

Wylie Aitken Tom Campbell Founding Partner Former Congressman Aitken* Aitken* Cohn Dean, Dale E. Fowler School of Law Chapman University Tom Phelps Partner Manatt Phelps & Phillips

Bank Operations Update An update on the major developments in bank operations, including a discussion about alternative currencies such as Bitcoin.

Ted Kitada Mark Moore Senior Company Counsel Principal Wells Fargo Bank, NA Aldrich Bonnefin & Moore, PLC

Banking, the Supreme Courts and the Constitution A lively discussion about the Roberts Court’s new term, trends in the California Supreme Court, and current legal topics such as eminent domain, same-sex marriage, marijuana and immigration.

Dr. John Eastman Kevin Fong Professor Partner Dale E. Fowler School of Law Pillsbury Winthrop Shaw Pittman, LLP Chapman University

20 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar BANK COUNSEL SEMINAR

When Your Municipality Goes Bankrupt Nicolas De Lancie represented the City of Vallejo’s major banking relationship during the city’s bankruptcy proceeds. He will explore the legal and constitutional issues that arise when a bank’s city or agency customer declares bankruptcy, and what your bank/client needs to do now.

Nicolas De Lancie Partner Jeffer Mangels Butler & Mitchell LLP

Lessons Learned From the Great Recession: For the Survivors This session will review the landscape of enforcement actions against banks and their officers and directors by the FDIC and others, what vulnerabilities remain, and how to stay out of enforcement agencies’ crosshairs.

William Haraf Jonathan Joseph Managing Director Managing Partner Promontory Financial Group Joseph & Cohen, P.C.

Commercial and Real Estate Lending: Why Banks Got Sued/How to Avoid Being Sued The speakers will survey the deals gone bad and discuss what counsel can do to protect their clients.

Mark Cameron Kenneth Russak Shareholder Shareholder Miller Star Regalia Frandzel Robins Bloom & Csato, L.C.

Where Were the Lawyers During the Financial Crisis? How hard should lawyers draw boundaries for their clients between what is legal and what is right?

Kurt Melchior Paul Soter Partner Attorney Nossaman LLP Law Offices of Paul Soter

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 21 720-850CHIEF CREDIT OFFICERS SYMPOSIUM 700-719The Clement • Monterey, California

675-699CREDIT REPORT 620-674 560-619 500-559NOVEMBER 6 - 7, 2014

22 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SPEAKER DIRECTORY

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 23 SPEAKER DIRECTORY

Wylie Aitken Nicolas De Lancie Founding Partner Partner Aitken*Aitken*Cohn Jeffer Mangels Butler & Mitchell LLP Greg Auer Dr. John Eastman Assistant to the Special Agent in Charge Professor United States Secret Service Dale E. Fowler School of Law Marc Beaart Chapman University Asstistant Head Deputy Kevin Fong Los Angeles County District Partner Attorney’s Office Pillsbury Winthrop Shaw Pittman, LLP Dr. Patrick Bettin Lt. Jimmy Garcia Senior Lecturer, Michael G. Foster School Los Angeles County District Attorney’s Office of Business, Adjunct Associate Professor, Briane Grey Department of Psychology University of Washington Head of Security City National Bank Michael Blanchard William Haraf CEO Blanchard Consulting Group Managing Director Promontory Financial Group Mark Cameron Andrea Hoy Shareholder Miller Star Regalia International President, Information Systems Tom Campbell Security Association Dean Stan Ivie Dale E. Fowler School of Law Chapman University Regional Director Federal Deposit Insurance Corporation Annette Cheng Eric Johnsen Assistant Deputy Commissioner California Department of Executive Benefits and BOLI Consultant Business Oversight Equias Alliance Edwin Chow Jonathan Joseph Regional Director Managing Partner Consumer Financial Protection Bureau Joseph & Cohen, P.C. Jeffrey Clair Ted Kitada CPA, Partner Senior Company Counsel Moss Adams LLP Wells Fargo Bank, NA Derek Criswell Kay Kowitt Deputy Comptroller CPA, Partner Moss Adams LLP Office of the Comptroller of the Currency

24 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SPEAKER DIRECTORY

Capt. Shaun Mathers Kurt Raney Los Angeles County Sheriff’s Department Associate Deputy Comptroller Office of the Comptroller of the Currency Anne McEvilly Principal Kenneth Russak Aldrich Bonnefin & Moore, PLC Shareholder Frandzel Robins Bloom & Csato, L.C. Kurt Melchior Partner Paul Soter Nossaman LLP Attorney Law Offices of Paul Soter Mark Moore Principal Francis Tam Aldrich Bonnefin & Moore, PLC CPA, Partner Moss Adams LLP Catherine Nahnsen-Robison Deputy Commissioner Bill Taylor California Department of Business Oversight, Founding Editor Division of Banking Fast Company Magazine Michelle Ogren Dr. Christopher Thornberg Special Assistant to the Regional Director Founder and Chief Economist Federal Deposit Insurance Corporation Beacon Economics Jan Owen Capt. Bill Williams Commissioner Los Angeles Police Department California Department of Business Oversight Wallace Young Jensen Penalosa Director, Risk Monitoring and Analysis Group Supervisory Special Agent Banking Supervision and Regulation Federal Bureau of Investigation Federal Reserve Bank of San Francisco Tom Phelps Partner Manatt Phelps & Phillips Matt Pieniazek President Darling Consulting Group Brian Porter Manager of Branch Transformation Diebold, Inc. Maria Ramirez Head Deputy Los Angeles County District Attorney’s Office

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 25 GOOD CHOICE

26 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SPONSOR AND EXHIBITOR PROFILES

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123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 27 SPONSOR AND EXHIBITOR PROFILES

Aldrich Bonnefin & Moore, PLC (Tote Bag Sponsor) Aldrich Bonnefin & Moore, PLC founded in 1985, is a law firm committed to being the leading provider of high-quality, cost-effective legal services to the financial and business communities. They are counsel to the Bankers’ Compliance Group®, a statewide cooperative legal and compliance service. AmTrust North America (Booth #200) AmTrust North America, an AmTrust Financial Services company, is rated “A” by A.M. Best. The company provides a broad suite of business insurance products, including a division focused specifically on financial institutions. Products include financial institution bond, directors and officers liability, property and casualty, lenders single interest and excess deposit bond. For more information, visit www.AmTrustFI.com or call (866) 203-3037. Bank Financial Services Group (Booth #106) Bank Financial Services Group, a leading expert in the BOLI industry, is a national firm with an exclusive focus on community banks. Bank Financial Services Group manages all BOLI investments with the primary goal of providing unparalleled customer support, increasing the bank’s bottom line earnings, increasing shareholder value and funding meaningful benefits for all bank employees. Bingham McCutchen LLP (Attendee Gift Sponsor) With approximately 900 lawyers in 14 offices worldwide, including five offices in California, Bingham is one of the leading firms in the U.S. We are a recognized leader in addressing the legal needs of financial institutions. Composed of leading practitioners in the field, we anticipate developments and guide the legal affairs of our banking clients. California Pollution Control Financing Authority (CPCFA) (Booth #201) The California Pollution Control Financing Authority (CPCFA) is home to the California Capital Access Program (CalCAP), a government program housed at the state treasurer’s office. CalCAP helps small businesses thrive by encouraging financial institutions to make loans to small businesses. CalCAP’s programs are designed to help mitigate risk for the lender when making loans to small businesses. In additional to loan portfolio insurance, CalCAP’s newest program, Collateral Support, is offering up to 50 percent cash collateral support on small business loans $100,000 or larger. In additional to assisting small businesses through CalCAP, CPCFA is able to facilitate low cost financing to qualified waste and recycling projects as a “conduit issuer” of tax-exempt private activity bonds.

*CBA Strategic Partners

28 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SPONSOR AND EXHIBITOR PROFILES

CenterState Bank (Booth #105) The CenterState Bank’s correspondent division employs more than 85 professionals dedicated to a full suite of correspondent services, managing more than 600 relationships in 26 states. Offices are located in Atlanta, Birmingham, Nashville, San Francisco and Winston-Salem, NC. Business development offices are located in Charlotte, Denver, Tampa and West Palm Beach. CNA Insurance (Program Guide Sponsor and Booth #100) CNA underwrites all major lines of insurance for depository institutions through our nationwide network of independent agents and brokers. Our products include D&O, E&O, fiduciary liability, EPL, fidelity bond, information risk and privacy liability, mortgage impairment, property, general liability, auto, workers’ compensation and umbrella – all backed by more than 100 years of experience and an “A” rating by A.M. Best. Comcast Business (Booth #109) Comcast Business offers internet, ethernet, voice and TV for businesses with internet speeds up to five times faster than DSL. Data Center, Inc. (Marketing Collateral Sponsor and Booth #108) Data Center Inc.’s iCore® award-winning core processing software and technologies are backed by personal attention you can trust. We feature web-based simplicity, custom workflow templates, analytics dashboard, ATM/card network, internet/mobile banking, remote capture, teller and much more for everything you need. Privately owned and trusted by bankers nationwide for more than 50 years. Diebold, Inc. (Booth #101) Diebold delivers customized, integrated security and self-service solutions that enable financial institutions to improve efficiencies, protect assets and better serve customers. With our successful line of Opteva® ATMs, deposit automation, cash recycling and mobile banking, Diebold’s solutions portfolio is a global industry leader. Visit us at www.diebold.com. EC Purchasing (Booth #205) EC Purchasing provides members an opportunity to save money with, and purchase directly from, many national companies. There is no cost or obligation associated with membership. Discounts are available from FedEx, UPS, Ricoh, Xerox, Office Depot, Staples, Verizon Wireless, AT&T, Sprint, Hertz, National, Enterprise and many national hotel chains.

*CBA Strategic Partners

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 29 SPONSOR AND EXHIBITOR PROFILES

Equias Alliance (Hotel Keycard Sponsor) Equias Alliance has successfully helped nearly 800 financial institutions with BOLI placement and with plans to recruit, retain and reward key officers and directors with nonqualified benefit plans. They also provide administration of BOLI and nonqualified benefit plans. Federal Home Loan Bank of San Francisco (Welcome Gift Sponsor) The Federal Home Loan Bank of San Francisco helps member financial institutions headquartered in Arizona, California and Nevada keep funding costs low, reduce interest rate risk, manage liquidity, and meet community credit needs. Products include flexible, low-cost fixed and adjustable rate advances with terms from overnight to 30 years, standby letters of credit, a price-competitive alternative for selling mortgage loans, and grants and reduced-rate loans for affordable housing and economic development. FPS GOLD (Booth #103) FPS GOLD provides superior solutions to the banking industry to enhance banking relationships. Its fundamental philosophy of providing a totally integrated solution includes a complete suite of internet/mobile, treasury management, loan servicing, loan origination, deposit/teller servicing, branch/merchant capture, payment and ATM processing, accounting, Ad hoc reporting, customer profitability and relationship banking products that increase profits, productivity and cross selling. FPS is an industry leader with client representation all throughout the country.

Goodwin Procter LLP (Program Guide Advertisement Sponsor) Goodwin Procter is one of the leading full-service law firms in the U.S. deeply committed to the banking industry. We provide financial institutions with comprehensive, one-stop advice on mergers and acquisitions, capital markets transactions, corporate governance, executive compensation, stock conversions, holding company formations, bank products and services, privacy and data security, and compliance management. Please visit www.goodwinprocter.com to learn more. Harland Clarke (Keynote Speaker, Bill Taylor, Sponsor and Booth #114) Harland Clarke is a leading provider of best-in-class integrated payment solutions, marketing services, security services and retail products. We provide integrated solutions for financial institutions, investment firms, business-to-business clients, individual consumers and small, medium and large businesses serving multiple industries.

*CBA Strategic Partners

30 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SPONSOR AND EXHIBITOR PROFILES

IBIS Independent Bankers Insurance Services (Booth #102) IBIS specializes in providing insurance for community banks and their insurance brokers. They have direct underwriting contracts with all of the major insurance companies, providing bank directors and officers liability insurance, financial institution bonds, bank commercial property and other forms of bank insurance. They have built their business for more than 35 years insuring only community banks. Banks can expect to benefit from their experience and long- term underwriting relationships, which result in easy-to-read proposals, appropriate coverage and very competitive prices. Keefe, Bruyette & Woods, Inc. (Convention Wi-Fi Sponsor) Keefe, Bruyette & Woods (KBW), a Stifel Company, is a global, full-service investment bank that specializes exclusively in the financial services sector. Through established industry- leading positions in the areas of research, corporate finance, mergers and acquisitions and sales and trading, KBW focuses on community, regional and universal banks, insurance companies, REITs, broker-dealers, mortgage banks, asset management companies and specialty finance lenders. King, Holmes, Paterno & Berliner, LLP (Friday Afternoon Refreshment Break Sponsor) For more than 20 years, King, Holmes, Paterno & Berliner, LLP has delivered legal services in every stage of a bank’s life cycle. We have the in-depth knowledge and experience in the industry that enables us to provide cost-effective legal solutions that are aligned with your business objectives, and we look forward to working together with you to address the challenges and seize the opportunities ahead. Kraft Opich, LLP (Registration Desk Sponsor) Kraft Opich, LLP is a Northern California boutique law firm, specializing in representing lenders in commercial and real estate loan litigation and transactions. We offer clients a rare combination: attorneys who have entered private law practice following long and successful careers in banking, as a commercial lender and in-house counsel. This experience translates into legal representation that lenders can trust to keep their business needs and goals as the top priority.

*CBA Strategic Partners

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 31 SPONSOR AND EXHIBITOR PROFILES

LoanScoreCard (Booth #110) Recognized as the leading provider of automated underwriting and compliance solutions, LoanScoreCard is designed to meet today’s ever-changing compliance challenges. Providing underwriters with detailed, easy-to-read QM findings reports or integrated FHA scorecard reports, LoanScoreCard is responsive to your needs. For more information, visit LoanScoreCard.com or call (800) 617-0892. LoanStreet LLC (Booth #107) LoanStreet is a marketplace that enables the efficient syndication of any sized loan. By automating and standardizing syndication from origination to maturity, institutions can buy, sell, and manage loans directly on LoanStreet. LoanStreet creates a unique marketplace to find new loan generation opportunities and overcome lending constraints. McGladrey LLP (Booth #104) McGladrey is a major accounting, tax and consulting firm that specializes in serving financial institutions through 70 offices and 6,700 employees throughout the United States including all major cities in the West. In addition to traditional accounting and tax services, our consulting specialists provide enterprise risk assessments, internal audit, regulatory compliance, bank secrecy act, loan review, information technology services and mergers and acquisitions support. For more information on our services contact Dan Shumovich at (213) 330-4668 or [email protected] Mirman, Bubman & Nahmias, LLP (Convention Notepad Sponsor) The law firm of Mirman, Bubman & Nahmias, LLP specializes in creditors’ rights and the representation of financial institutions, real estate owners and small businesses. The firm’s primary emphasis is on state court and bankruptcy court litigation relating to secured transactions, provisional remedies including receiverships, as well as transactional work such as drafting loan and lease documentation, and advising clients with regard to perfection of security interests, workouts and problem loans. Office of the Comptroller of the Currency (Booth #204) The Office of the Comptroller of the Currency (OCC), created in 1863, seeks to ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.

*CBA Strategic Partners

32 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar SPONSOR AND EXHIBITOR PROFILES

Pacific Coast Banking School (Keynote Speaker, Dr. Patrick Bettin, Co-sponsor and Booth #202) Pacific Coast Banking School offers the nation’s premier three-year, graduate-level leadership and management banking education program. Your high-potential employees will benefit from our outstanding faculty, full-length courses and other highly-qualified participants. Visit www.thePCBS.org to understand our unique approach to teaching the industry’s most critical components: risk management, financial performance and leadership. PNC Bank, NA (Friday Morning Refreshment Break Sponsor) PNC’s Financial Institutions Group is an experienced team of professionals focused on building partnerships with financial institutions to enhance investment portfolio performance, expand commercial product offerings, manage operating costs and strengthen liquidity. Through its extensive correspondent banking platform, PNC serves the diverse needs of clients in the financial services sector nationwide. Promontory Interfinancial Network, LLC (Booth #112) Promontory’s services help banks compete. ICS, CDARS, IND, and Yankee Sweep enable banks and other financial institutions to build strong, profitable, million-dollar relationships; replace higher-cost funding; repurpose collateral; and manage liquidity. Bank Assetpoint helps financial institutions make efficient connections and facilitates the sharing of information regarding the purchase and sale of bank assets. ShoreTel, Inc. (Booth #111) ShoreTel, Inc. is a leading provider of brilliantly simple IP phone systems and unified communications solutions. Recognized for its industry-leading customer experience, ShoreTel’s innovative business phones, application integration, collaboration tools, mobility and contact center applications enable users to communicate and collaborate no matter the time, place or device. Visit shoretel.com for more information. SNL Banker (Booth #113) SNL Banker is not the SNL you may know. SNL Banker is a new single-source for internal analysis, integrating your bank’s data for a 360-degree view of finance, credit and risk, operations and sales and marketing. Gain the insight needed to maximize performance, reduce risk and increase efficiency.

*CBA Strategic Partners

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 33 SPONSOR AND EXHIBITOR PROFILES

Standard & Poor’s Financial Services Ratings (CBA Board Reception and Dinner Sponsor) Standard & Poor’s Ratings Services, a part of McGraw Hill Financial (NYSE: MHFI), is the world’s leading provider of independent credit risk research and benchmarks. We publish more than a million credit ratings on debt issued by sovereign, municipal, corporate and financial sector entities. With more than 1,400 credit analysts in 23 countries, and more than 150 years’ experience of assessing credit risk, we offer a unique combination of global coverage and local insight. Our research and opinions about relative credit risk provide market participants with information and independent benchmarks that help to support the growth of transparent, liquid debt markets worldwide.

Vitex, Inc. (Booth #203) Vitex consultants make banks more profitable through stronger decisions, increased operational efficiencies and improved oversight. Our deep experience, unbiased analysis and proven methods yield solutions that improve bank performance. Services include: core decisions, contract negotiations, operational risk assessments, efficiency strategies, workflow, revenue enhancement, strategic planning, vendor due diligence and more. Visit vitex.com for more information.

Wells Fargo, N.A. (Convention Mobile App Sponsor) Wells Fargo’s Global Financial Institutions Group provides banking services to more than 2,000 financial institutions in the U.S. Our correspondent banking offerings include treasury and trade services, credit and capital markets, foreign exchange, payments and collections, derivatives and third party services. Coupled with our longstanding history of commitment to this business, Wells Fargo Global Financial Institutions is focused on tailoring strategic, cost-effective solutions to assist banks in overcoming challenges and growing their businesses.

34 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar VENDOR MARKETPLACE MAP

MARKETPLACE VENDORS

AmTrust North America Booth #200 IBIS Independent Bankers Booth #102 Bank Financial Services Group Booth #106 Insurance Services California Pollution Control Booth #201 LoanScoreCard Booth #110 Financing Authority (CPCFA) LoanStreet LLC Booth #107 CenterState Bank Booth #105 McGladrey LLP Booth #104 CNA Insurance Booth #100 Office of the Comptroller Booth #204 Comcast Business Booth #109 of the Currency Data Center, Inc. Booth #108 Pacific Coast Banking School Booth #202 Diebold, Inc. Booth #101 Promontory Interfinancial Booth #112 Network, LLC EC Purchasing Booth #205 ShoreTel, Inc. Booth #111 FPS Gold Booth #103 SNL Banker Booth #113 Harland Clarke Booth #114 Vitex, Inc. Booth #203 *CBA Strategic Partners

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 35 October 7 - 10, 2014 Sheraton Carlsbad Resort • Carlsbad, California

This conference brings industry experts who provide up-to-the-minute information on industry compliance and regulatory requirements. Attendees participate in interactive sessions, and receive practical tools and timely updates on the risks encountered by the regulatory compliance professional. You won’t want to miss one of the finest, best attended compliance programs in the West. MCLE and CRCM credit is available. REGISTER NOW www.calbankers.com/regcomp14

36 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar CONVENTION LOGISTICS

1 C !

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 37 GENERAL INFORMATION

Please wear your name badge at all times Convention Evaluations while attending this event. CBA will send out an evaluation email to you approximately one week after the convention. Event Location This email will include a link to an easy-to- Ritz-Carlton Laguna Niguel answer web form. We ask that you please take One Ritz-Carlton Drive the time to fill out this form so that CBA can Dana Point, CA 92629 receive your input on this event to better serve (949) 266-6065 you in the future.

Registration MCLE Credit The CBA registration desk is located in the The Bank Counsel Seminar has been approved foyer near Salons 1-4, and will be open the for Minimum Continuing Legal Education Credit following hours: (MCLE) by the State Bar of California for the amount of two hours for each two-hour session. Thursday, May 8 • 9:00 a.m. – 6:30 p.m. CBA certifies that this activity conforms to the Friday, May 9 • 7:30 a.m. – 5:00 p.m. standards for approved education activities Saturday, May 10 • 7:30 a.m. – 12:00 p.m. prescribed by the rules and regulations of the State Bar of California governing minimum Spouse/Guest Program continuing legal education. Spouses and guests registered for the 123rd Annual Convention and 47th Annual Bank Robert Frandzel Award Counsel Seminar are welcome to attend all CBA will present the Robert Frandzel Award, scheduled social functions and meals. Please acknowledging superior and noteworthy legal refer to page 8. service by an outside counsel to the California banking industry. Special Dietary or Physical Needs If you or your spouse has special dietary or physical CBA Event Staff Contacts requirements while attending the conference, Cynthia DeOliver please let the CBA staff at the registration desk VP, Director of Events Management know upon your arrival. [email protected]

Marketplace (Salons 1-3) Melissa O’Campo Please visit our premier CBA exhibitors during Manager of Events and Registrations the dedicated hours of the Marketplace, as [email protected] well as the welcome reception and wine tour, breakfasts, lunch and networking/refreshment breaks. Learn more about how their products and services can benefit your institution.

Marketplace will be open until Friday, May 10 at 3:15 p.m.

38 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar CALENDAR OF EVENTS

Events and Conferences Educational Courses

June 10 – 12, 2014 Seminars Annual Visit to Washington, D.C. Human Resources Conference Hay-Adams Hotel May 15, 2014 – Newport Beach Washington, D.C. Women in Banking Forum May 29, 2014 – Huntington Beach June 12 – 13, 2014 CFO Conference 2014 Security Management Conference June 18 – 19, 2014 – Newport Beach Hyatt Regency Newport Beach Newport Beach, CA BSA/AML June 24, 2014 – San Francisco September 9 – 11, 2014 June 26, 2014 – Newport Beach Joint Visit to Washington, D.C. FDIC Community Bankers/Directors Workshop St. Regis July 10, 2014 – Los Angeles Washington, D.C. Supervisor Boot Camp July 16 – 17, 2014 – Newport Beach October 7 – 10, 2014 36th Annual Regulatory Compliance Conference Enterprise Risk Management Sheraton Carlsbad Resort July 24, 2014 – Los Angeles Carlsbad, CA Banking Schools November 6 – 7, 2014 Regulatory Compliance School Chief Credit Officers Symposium May 19 – 23, 2014 – Palm Springs The Clement Monterey Commercial Lending 101: Loan Underwriting Monterey, CA June 2 – 6, 2014 – Sacramento For more information on upcoming conferences Graduate School of Compliance Management contact: August 20 – 22, 2014 – Newport Beach Cynthia DeOliver, (916) 438-4401 [email protected] Online Courses Stacy Wolfenberger, (916) 438-4418 AIB Online Review Course for the CRCM Exam [email protected] August 18, 2014 – October 26, 2014 Melissa O’Campo, (916) 438-4435 Principles of Banking [email protected] April 14, 2014 – August 3, 2014 May 12, 2014 – September 2, 2014 Supervisor Certificate April 28, 2014 – August 17, 2014 July 21, 2014 – November 9, 2014

For more information on education & training: Contact: John Lingvall, (916) 438-4428 E-mail: [email protected] Contact: Laurie Eaton, (916) 438-4433 E-mail: [email protected]

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 39 2014 Risk and Security Management Conference Physical Security • Information Security • Embezzlement • Security Systems • Cloud Computing • Statement Analysis •Embezzlement • Security Systems • Cloud Computing •Physical Security • Information Security • Embezzlement • Security Systems • Cloud Computing • Statement Analysis • nformation Security • Embezzlement • Security Systems • Cloud Computing • Statement Analysis Physical Security • Information Security • Embezzlement • Security Systems • Cloud Computing • Statement Analysis Physical Security • Information Security • Embezzlement • Security Systems • Cloud Computing • Statement Analysis • Embezzlement • Security Systems • Cloud Computing •Physical Security • Information Security • JUNE 12-13, 2014 Hyatt Regency Newport Beach • Newport Beach, CA Visit www.calbankers.com/SM14 40 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar PAST PRESIDENTS & CHAIRS 1891 -2013

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 41 CBA PAST PRESIDENTS & CHAIRMEN LISTING 1891-2013

Mary Allis Curran 2012-13 J. Hallam Dawson 1983-84 Union Bank N.A., San Diego Crocker National Bank, San Francisco Steven K. Buster 2011-12 E.D. Bonta 1982-83 Mechanics Bank, Richmond Bank of Sonoma County, Santa Rosa Richard Smith 2010-11 Robert L. Kemper 1981-82 Tri Counties Bank, Chico Wells Fargo Bank, N.A., San Francisco Dan Doyle 2009-10 Rayburn S. Dezember 1980-81 Central Valley Community Bank, Fresno American National Bank, Bakersfield James Lokey 2008-09 Charles T. Manatt 1979-80 Rabobank, NA, Roseville First Los Angeles Bank Anita Robinson 2007-08 Thomas A. Deane 1978-79 Mission Community Bank, San Luis Obispo Bank of America N.T. & S.A., Los Angeles Kent Steinwert 2006-07 Lloyd P. Johnson 1977-78 F&M Bank, Lodi Security Pacific National Bank, Los Angeles Bob Worth 2005-06 Leonard Weil 1976-77 Wells Fargo Bank, NA, San Francisco Manufacturers Bank, Los Angeles Thomas H. Shaffer 2004-05 Stafford R. Grady 1975-76 Bank of Stockton Lloyds Bank of California, Los Angeles Curtis S. Reis 2003-04 Ole R. Mettler 1974-75 Alliance Bank, Culver City Farmers & Merchants Bank of Central California, Lodi Richard C. Hartnack 2002-03 Norman Barker, Jr. 1973-74 Union Bank of California NA, Los Angeles United California Bank, Los Angeles Dennis Kern 2001-02 Andrew J. Shepard 1972-73 Valley Independent Bank, El Centro Exchange Bank, Santa Rosa William Fike 2000-01 John R. Breeden 1971-72 Bank of the West, Truckee Wells Fargo Bank, N.A., Los Angeles John G. Rebelo 1998-00 C.C. Blakemore 1970-71 Peninsula Bank of San Diego Southern California First National Bank, San Diego Kathleen J. Burke 1998 Robert M. Eberhardt 1969-70 Bank of America N.T. & S.A., San Francisco Bank of Stockton William M. Reid 1997-98 William E. Siegel 1968-69 The Mechanics Bank, Richmond Security Pacific National Bank, Los Angeles Dudley M. Nigg 1996-97 Andrew C. Gaither 1967-68 Wells Fargo Bank NA, San Francisco Pacific National Bank of San Francisco Robb Evans 1995-96 Carl E. Schroeder 1966-67 Millennium Bank, Los Angeles The First National Bank of Orange County, Orange James P. Staes 1994-95 Frank M. Dana 1965-66 Home Bank, Signal Hill Bank of America N.T. & S.A., San Francisco Gary S. Gertz 1993-94 Clifford Tweter 1964-65 First Interstate Bancorp, Los Angeles United California Bank, Los Angeles Claude B. Hutchison 1992-93 A.A. Milligan 1963-64 CivicBank Bank of Commerce, Oakland Bank of A. Levy, Oxnard Fred D. Jensen 1991-92 Paul B. Kelly 1962-63 National Bank of Long Beach Crocker-Anglo National Bank, San Francisco Donald A. Mullane 1990-91 Ralph V. Arnold 1961-62 Bank of America, N.T. & S.A., Los Angeles First National Bank of Ontario Hal W. Sconyers 1989-90 Joseph Rogers 1960-61 Modesto Banking Company First National Bank of San Jose Daniel D. Herde 1988-89 G.A. Walker 1959-60 San Diego Trust & Savings Bank Farmers & Merchants Bank of Long Beach Robert C. Corteway 1987-88 Ransom M. Cook 1958-59 Security Pacific National Bank, Los Angeles American Trust Company, San Francisco Mark E. Buchman 1986-87 Anderson Borthwick 1957-58 Union Bank, Los Angeles First National Trust & Savings Bank of San Diego James H. Gray 1985-86 Roy A. Britt 1956-57 Harbor Bank, Long Beach Citizens National Trust & Savings Bank, Los Angeles Carrol R. Pruett 1984-85 O.B. Larsen 1955-56 Mid-State Bank, Arroyo Grande Pajaro Valley Savings Bank, Watsonville

42 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar CBA PAST PRESIDENTS & CHAIRMEN LISTING 1891-2013

Paul D. Dodds 1954-55 J.E. Huntoon 1925-26 Security-First National Bank of Los Angeles Peoples Bank, Sacramento W.P. Murray 1953-54 L.S. Chandler 1924-25 Bank of San Rafael California Bank, Los Angeles H.J. Mendon 1952-53 H.C. Carr 1923-24 California Bank, Los Angeles First National Bank, Porterville R.D. Brigham 1951-52 H.S. McKee 1922-23 Anglo California National Bank of San Francisco Merchants National Bank, Los Angeles J.C. Lipman 1950-51 W.S. Clayton 1921-22 Union Bank & Trust Company of Los Angeles First National Bank, San Jose Herbert V. Alward 1949-50 J.B. McCargar 1920-21 Bank of California, San Francisco Crocker National Bank, San Francisco H.M. Craft 1948-49 G.S. Meredith 1919-20 Farmers and Merchants National Bank of Los Angeles Farmers and Merchants Saving Bank, Oakland W.A. Marcus 1947-48 W.D. Longyear 1918-19 American Trust Company, San Francisco Security Trust & Savings Bank, Los Angeles Mark G. McMahon 1946-47 F.J. Belcher, Jr. 1917-18 First National Bank of Glendale First National Bank, San Diego R.L. Eberhardt 1945-46 J.M. Henderson 1916-17 Stockton Savings and Loan Bank Sacramento Bank P.R. Williams 1944-45 C.A. Smith 1915-16 Bank of America N.T. & S.A. Security Bank, Oakland A.C. Hughes 1943-44 R.M. Welch 1914-15 Monterey County Trust & Savings Bank, Salinas Savings Union Bank and Trust Co., San Francisco James E. Shelton 1942-43 L.P. Behrens 1913-14 Security-First National Bank of Los Angeles First National Bank, Redwood City John S. Curran 1941-42 A.E. Edwards 1912-13 Anglo California National Bank of San Francisco First National Bank, Pasadena A.J. Gock 1940-41 Stoddard Jess 1911-12 Bank of America N.T. & S.A., Los Angeles First National Bank, Los Angeles A.R. Thomas 1939-40 W.H. High 1910-11 First Trust & Savings Bank, Pasadena International Banking Corp., San Francisco E.V. Krick 1938-39 H.S. Fletcher 1909-10 American Trust Company, San Francisco Bank of Watsonville Chester A. Rude 1937-38 J.D. Radford 1908-09 Security-First National Bank of Los Angeles German-American Savings Bank, Los Angeles Howard Whipple 1936-37 G.W. Peltier 1907-08 Bank of America N.T. & S.A., San Francisco California Nevada Bank, Sacramento A.L. Lathrop 1935-36 I.F. Moulton 1905-07 Union Bank & Trust Company of Los Angeles Bank of California, San Francisco B.C. Corlett 1934-35 A.H.R. Schmidt 1904-05 First National Bank, Napa German Savings & Loan Society, San Francisco W.A. Kennedy 1933-34 J.K. Lynch 1902-04 First National Bank, Pomona First National Bank, San Francisco J.F. Sullivan, Jr. 1932-33 J.M. Elliott 1901-02 Crocker First National Bank of San Francisco First National Bank, Los Angeles H.H. Schmock 1931-32 C. Altschul 1900-01 Security-First National Bank of Los Angeles London-Paris and American Bank, San Francisco L.D. Webber 1930-31 J.J. Valentine 1897-1900 First National Trust and Savings Bank, San Diego Wells Fargo & Co.’s Bank, San Francisco A.J. Mount 1929-30 N.D. Rideout 1895-97 Bank of Italy, N.T. & S.A., San Francisco Rideout Bank, Marysville W.F. Morrish 1928-29 Lovell White 1894-95 United Security Bank and Trust Co., San Francisco San Francisco Savings Union R.B. Hardacre 1927-28 I.W. Hellman 1892-94 Security Trust and Savings Bank, Los Angeles Nevada Bank, San Francisco W.E. Wilcox 1926-27 Thomas Brown 1891-92 Anglo and London, Paris National Bank, Los Angeles Bank of California, San Francisco

123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar 43 JUNE 12TH, 11:01 A.M. HOME GROWN DIVIDENDS IN AN INSTANT, CAROL MURPHY REALIZED HER VALUE TO THE COMMUNITY

Carol approved a loan that helped a family buy a home — a family that would go on to start a local business, and raise two children who would start businesses of their own. CNA’s broad coverages and depth of experience help banks such as Carol’s manage emerging risks and respond to changing regulations. These insurance products and solutions can help meet the needs of customers from generation to generation. Way to go, Carol.

At CNA, we salute the memorable experiences that lead to memorable milestones. www.cna.com/communitybanks.

CNA is proud to be the official sponsor of the California Bankers Association.

Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. The examples provided in this material are for illustrative purposes only and any similarity to actual individuals, entities, or places is coincidental. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2014 CNA. All rights reserved.

44 123rd Annual Convention of Bank Officers and Directors & 47th Annual Bank Counsel Seminar