MBA 130th ANNUAL CONVENTION June 21

Facing Forward
MBA 130th ANNUAL CONVENTION
June 21 -24, 2016 · grand hotel · mackinac island
Michigan Bankers . . .
The MBA Annual Convention remains the premier banking
industry event in our state as well as one of our most
cherished traditions. Join us this year as we celebrate MBA’s
130th anniversary.
The convention is designed with your bank’s entire executive
team specifically in mind. MBA will feature the latest
resources and information on relevant issues surrounding
our industry.
Our theme is…Facing Forward. As an industry, we do so
in 2016 with pride and a renewed sense of optimism about our state’s future. Bankers
have always been an integral part of our state’s economy and we always will. This year’s
convention celebrates our history, acknowledges our industry’s leadership and prepares
us to better serve our customers and communities in the future. Regardless if this is
your first MBA Convention, fifth, or 25th, I invite you to join us as we network with peers,
discover new opportunities and enjoy the beauty of Mackinac Island.
Patty and I look forward to seeing everyone in June.
Sincerely,
MBA Chairman and President, Baybank, Gladstone
June 21-24, 2016
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130 Years Ago – Fun Facts . . .
Michigan Bankers Association hosted its first annual convention in 1886. The association was formed a year
later.
The Statue of Liberty was given as a gift from France to “the people of America”. It was fully assembled in
1886. It was dedicated in a ceremony attended by then U.S. president Grover Cleveland.
1st Tournament of Roses in Pasadena, California.
Dr. John S. Pemberton, a pharmacist and inventor of patent medicines, sold the first Coca-Cola on May 8,
1886, at Jacob's Pharmacy in Atlanta, Georgia.
First Groundhog Day Celebrated in Punxsutawney, Pennsylvania.
. . . . . . . . . . . . . . .Platinum Sponsors . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . .Gold Sponsors . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . .Additional Sponsors . . . . . . . . . . . . . .
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Tuesday, June 21
2:00 p.m.
2:00 p.m. 6:30 – 7:30 p.m.
Registration Opens
Exhibit Set-Up
Welcome Reception, West Front Porch
Sponsored by Grand Hotel
agenda
Enjoy Dinner, Main Dining Room
Reservations are not required
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Wednesday, June 22
6:30 a.m. Walk, Run, Bike…Let’s Get Up and Get Going!
Sponsored by Priority Health Wellness
Start your day off right with an informal run, walk or bike.
7:30 a.m. – 2:00 p.m. Registration
8:00 a.m. Morning Coffee. Exhibits Open
Sponsored by PNC Capital Markets, LLC
8:15 – 8:30 a.m. Convention Welcome
Speakers: MBA Chairman, Don St. Germaine, President, Baybank;
President and CEO, T. Rann Paynter, Michigan Bankers Association
8:30 – 9:15 a.m. Economic Update
What does the future hold for the Michigan economy? We’ll walk through what challenges lay ahead for the Midwest, as we regain our economic stride.
Speakers: Robert Dye, Chief Economist, Comerica Bank
9:15 – 9:30 a.m.
Refreshment Break with Exhibitors
Sponsored by Andrews Hooper Pavlik PLC
9:30 – 10:00 a.m.
It’s Time to Build our Political Muscle
To win on Capitol Hill, members must commit to bulking up the industry’s strength and flexibility.
Speaker: Rob Nichols President and CEO, American Bankers Association
10:00 – 10:45 a.m.
The Impact of the CFPB on Small and Regional Banks from
Lending to Recovery
It has been five years since the launch of the Consumer Financial Protection Bureau (CFPB). Initially the CFPB focused on larger banks and non-banks.
However, smaller and regional banks should not overlook the power Congress
gave to the CFPB. This presentation will discuss the regulatory background and
authority given to the CFPB, its organizational structure, how the CFPB
discharges its authority, how the CFPB differs from prudential regulators,
how the CFPB collaborates with states attorneys general and why lending
issues, disparate impact and the collection of debt will be important issues that
cannot be overlooked by MBA members.
Speaker: Joann Needleman, Member, Clark Hill PLC
10:00 – 11:00 a.m. Spouse and Guest Program: West Bluff Cottage Tour
We’ll visit two of the lovely cottages on the West Bluff. These beautiful cottages
were built between 1886 and 1891 and all built with Michigan White Pine.
We’ll see first-hand the exquisite architectural elements.
10:45 – 11:00 a.m. Refreshment Break with Exhibitors
11:00 – 11:45 a.m. What’s It Mean to be a Community Banker?
Panelists: G. William Beale President and CEO, Union Bankshares Corporation;
R. Daniel Blanton, Chief Executive Officer, Georgia Bank & Trust;
Don St. Germaine, President, Baybank; David A. Ramaker, Chairman,
President and CEO, Chemical Bank
Moderator: T. Rann Paynter, President and CEO, MBA
11:45 – 12:30 p.m.
101 Things That Happened on the Mackinac Bridge
Sponsored by Cinnaire
An entertaining, informative presentation about Michigan’s iconic five-mile
span that has seen historic, tragic, and hilarious events. Since construction
began in 1954, the Mackinac Bridge has withstood gale-force winds, the
pressure of crushing ice flows and blinding snowstorms. Since opening in 1957,
it has been struck by lightning and hit by an airplane and a ship – yet still
stands as perhaps the safest five miles of I-75. Take a trip through the first
six decades of the bridge’s history and you’ll experience unusual crossings,
triumph and tragedy. Parades of vehicles and pedestrians have crossed over
the Mackinac Bridge and flotillas of ships have passed under it. Hear the
stories, see the photos and meet the people who have made this engineering
wonder a symbol of the state of Michigan.
Speaker: Mike Fornes, Historian
12:30-2:00 p.m. Picnic Lunch, Tea Garden
Sponsored by Priority Health
Join us at the much-loved Tea Garden picnic. All are welcome. Enjoy lunch and
Grand Hotel’s beautiful gardens. Join us for a game of croquet or bocce ball.
Enjoy your afternoon
6:00 –7:00 p.m.
Opening Reception with Exhibitors (Everyone Welcome)
7:00 p.m. Enjoy Dinner, Main Dining Room
Reservations are not required
7:00 – 9:00 p.m. Past Chairman’s Dinner (Invitation only)
9:00 – 10:00 p.m. Afterglow Reception
Sponsored by Chemical Bank and Isabella bank
We’ll gather on the front porch for a night-time view of the spectacular straits.
Thursday, June 23
6:30 a.m. 7:30 a.m. – 12:15 p.m. 8:00 – 9:00 a.m.
9:00 – 10:00 a.m. Run with Rann, Meet on Front Porch
Sponsored by Priority Health
Start your day off right with an informal run with the MBA President and CEO, Rann Paynter!
Registration
Chairman’s Breakfast and Membership Meeting
Enjoy a full, sit down breakfast as we welcome our first time attendees, recognize both our member banks celebrating 100+ year anniversaries and our PAC contributors.
Keys to 2016 and Beyond
It is time to make money, have fun, and build value. That being said, there
are some sizeable potholes to avoid on the road to success. FinPro’s
presentation discusses why “RGR Drives Strategy Drives Value” is the
fundamental principle all community bankers must focus on during strategic
planning and how community banks will use this principle to grow shareholder
value.
Speaker: Scott Martorana, Executive Managing Director, FinPro
9:30 – 11:00 a.m. Spouse and Guest Program: Carriage Tour
An enjoyable and authentic way to view the island. The private tour includes
unique stops that you won’t see on any other tour.
10:00 - 10:30 a.m. Refreshment Break with Exhibitors
Sponsored by Andrews Hooper Pavlik PLC
10:30 – 11:30 a.m. Community Bank Marketing. Welcome to the New Normal
$450 to open a checking account? Same day business loan funding? Welcome
to the new marketing normal. Chase and OnDeck have something else in common: by design or not, their brand names imply speed. And whether speed comes through helpful mobile alerts or fast loan decisions, it’s an increasing powerful definition of convenience. Meanwhile, on highway billboards, community banks continue to duke it out as the oldest bank in town with the happiest customers. A change is needed! This eye-opening session will shed light on where your marketing dollars can add bottom-line value and increase client satisfaction.
Speaker: Kelly A Brown, CEO and Managing Partner, American Deposit Management
11:30 a.m. – Noon
Engaging Employees in their Health Care - An Investment Strategy for Recruitment, Retenetion and Your Bottom-line
Employees in every company ask the same question when management
introduces something new: “What’s in it for me?” When trying to engage
employees in their health care, the focus should be on how it helps them. With
the growing epidemic of chronic disease - employers are going to continue to
be challenged to offer affordable and effective benefits for their employees. It
is imperative that employers begin to leverage strategies that not only engage
their workforce but helps them recruit and retain talent.
Speaker: Joan Budden, CEO, Priority Health
12:30 – 2:00 p.m.
Pedal and Picnic
Sponsored by: Harland Clarke
Grab a boxed lunch and go for a ride around the majestic island. Bikes are
limited. Please be sure to register. You are welcome to bring your own bikes
and grab a boxed lunch.
2:00 p.m. Reception, Mackinac Island Yacht Club
Sponsored by Bodman PLC
Back by popular demand, join us for this convention favorite!
6:00 -7:00 p.m. Chairman’s Reception
Sponsored by Federal Home Loan Bank of Indianapolis
Join your fellow bankers at a reception to honor MBA Chairman,
Don St. Germaine, Baybank
6:00 p.m. – 9:00 p.m.
Children’s Program: Dinner, Games and More!
7:00 p.m.
Dinner Banquet
Enjoy an evening of fine dining, entertainment and conversation with friends.
Join us as we toast our outgoing MBA Chairman, Don St. Germaine, Baybank
and welcome incoming MBA Chairman, Tim Marshall, Bank of Ann Arbor and
wish him well for the upcoming year. We celebrate excellence and
achievements, within the banking industry, as we
award the distinctive MBA Banker of the Year award.
9:30 – 10:30 p.m. Afterglow Reception
We’ll gather on the front porch for a night-time view of the spectacular
Mackinac Bridge and tranquil waters.
Sponsored by Comerica Bank
Friday, June 24
6:45 a.m. – 8:00 a.m. Traveling Circus Breakfast (Invitation only)
8:00 a.m. – 8:30 a.m.
Morning Coffee
Sponsored by The PNC Capital Markets, LLC
8:30 – 9:15 a.m.
Rates Down: Slow & Painful
As Kurt Fritz has written in his Disciplined Investor
article,“The Market Will…”, the market will do what
hurts the most people the worst. Banks all across the
developed world are experiencing rates down; in fact,
in Bloomberg’s list of 31 countries comprising the
EMEA zone (Europe, Middle East and Africa), only six
countries have rates higher than the U.S. Kurt will
examine the impacts on portfolio performance in
this worst-case scenario. His aforementioned article
will be available.
Speaker: Kurt Fritz, Managing Director, Performance
Trust Capital Partners LLC
9:15 -10:00 a.m. Incident Response and Crisis
Communications - Will You be Prepared?
owing number
The gr and sophistication of attacks
against financial institutions requires leaders in
every function of an organization to anticipate a
variety of risks – whether operational, financial, or
technological risk. Being prepared for the
challenging communications and IT issues
surrounding today’s evolving cyber threats requires
having the right team in place and developing a
crisis management response plan.
Protecting Michigan’s Consumers
Speaker: Director Pat McPharlin, Michigan Department of Insurance and Financial Services
Prize Drawings, Grand Pavilion
Convention Adjourns
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Mackinac Island. There’s plenty to see and do . . .
Golf on The Jewel
The Jewel is comprised of the Grand nine, across the street from the hotel; and the Woods nine, set in the interior of Mackinac Island.
Transportation between the Grand nine and Woods nine is provided. Clubs, golf carts and pull carts are available for rental. To reserve tee
times, please call 906 847-3331 and ask for the Golf Shop.
Fort Mackinac
Just a short stroll or ride away, Fort Mackinac is a National Historic Landmark and the sentinel of the Straits of Mackinac. Guides are dressed in
period costumes. You’ll witness cannon and rifle firing demonstrations, explore the real history of Mackinac in 14 original buildings filled with
period settings, exhibits and videos. Enjoy a panoramic view of the harbor.
Carriage Tours and Stables
For the more adventurous, saddle horses are a great way to explore Mackinac Island’s 40 miles of bridle paths. Or take a leisurely ride in a
drive-your-own carriage, available from local liveries. The new Grand Hotel stable, located minutes away in Surrey Hills is home to 12 horses
and open to the public. At 8,700 square feet, this working stable is a great way to see the horses up close, along with 20 antique carriages.
Biking
With over 70 miles of natural and paved trails, Mackinac Island is a biker’s paradise. Explore the island at your own speed or bike the island’s
eight-mile perimeter on picturesque (and paved) Lake Shore Boulevard. Bicycles can be rented. We also welcome you to bring your own
bicycles to Mackinac Island.
Questions? Please contact us. Stephanie Fisher at (517) 324-9057 or [email protected]
Grand Hotel
Grand Hotel opened in 1887. Known as America’s Summer Place, the massive
Queen Anne-style hotel has remained largely unchanged since the early years
when Mark Twain lectured in the casino. Named as one of the top five hotels to
take you back in time.
Guest Rooms
Full breakfast and five-course dinner are included daily with your guest room.
Guests 11 years-old and younger stay and eat free. Grand Hotel is a non-tipping
hotel. Grand Hotel reservation form is required.
Attire
Business casual/resort wear are recommended during the day. The Grand Hotel
experience includes dressing up for dinner. Business or semiformal attire is
required after 6:30 p.m. (coat and tie for gentlemen).
Weather
Mackinac Island enjoys a mild spring, temperate summer and crisp fall
temperatures. Since the Island is located in the middle of the Straits of Mackinac,
weather can be unpredictable. Remember to pack layers and don’t forget your
walking shoes.
Mobile App
Sponsored by Secure Banking Solutions
To help you take full advantage of your annual convention, take advantage of the
official event app.
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Getting There
Ferry Service to Mackinac Island
Visit Shepler’s Ferry at www.sheplersferry.com to purchase tickets
online. Use Promotion Code: MBA2016 for discount. $19.00 adult
roundtrip rate. $10.00 child roundtrip ticket. Or visit
http://www.mibankers.com/preducationevents/convention to print
the MBA group coupon.
Taxis
It’s a short walk from the ferry docks to Grand Hotel. Horse-drawn taxi service is
also available for a $5.00 fee. Taxis greet most ferry boats arriving at Mackinac
Island. Or call ahead (906) 847-3323.
By Air
Mackinac Island is served by the Pellston Airport, 12 miles south of Mackinaw City.
Commercial air service to Pellston is available daily through Delta Airlink in Detroit.
Shuttle service to the ferry docks may be found at http://www.mackinawshuttle.
com/
Save The Dates
Bank Management and Directors Conference
November 30 – December 2, 2016
Royal Park Hotel, Rochester, Michigan
MBA Annual Convention
June 20-23, 2017
Grand Hotel, Mackinac Island, Michigan
. . . . . . . . . . . . . . . . . Registraton Form . . . . . . . . . . . . . . . . .
Please duplicate this form when registering others from your bank/organization.
Name____________________________________________________ Name for Badge_______________________________________
Spouse  Guest (if attending) __________________________________ Name for Badge_______________________________________
 Children’s Names (if attending)___________________________________________________________________________________
Bank/Company_______________________________________________________________________________________________
Title______________________________________________________________________________________________________
Address____________________________________________________________________________________________________
City/State/Zip________________________________________________________________________________________________
Phone___________________________________________________ Fax________________________________________________
E-mail_____________________________________________________________________________________________________
REGISTRATION FEES
By June 7, 2016
After June 7, 2016 MBA Member and Associate Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$ 475 Spouse/Guest - The guest rate is for those not in the financial services . . . . . . . . . . # Attending Sub Total
________
________
$ 250
________
________
Child (under age 18) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$ 50
________
________
Non-Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$ 895 ________
________
Total Registration Fees $ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $________
 Please contact me about MBA membership
METHOD OF PAYMENT (Check one)
 Check payable to Michigan Bankers Association
 MasterCard
 Visa
 AMEX
 Invoice (members only)
Credit Card # _____________________________________________________________ Expiration Date__________________________
Signature___________________________________________________________________________________________________
EVENTS YOU PLAN TO ATTEND
(No additional charge for registered guests)
Wednesday, June 22:
Guest/Spouse Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . # Attending__________
No refunds will be given after June 15, 2016. Substitutions are always welcome.
For other accommodation options, visit the Mackinac Island Tourism Bureau at: www.
mackinacisland.org.
Thursday, June 23:
Guest/Spouse Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . # Attending___________
Pedal and Picnic (Bikes are limited) . . . . . . . . . . . . . . . . . . # Attending __________
Children’s Evening Program . . . . . . . . . . . . . . . . . . . . . . . . . . # Attending __________
Thursday Dinner Banquet . . . . . . . . . . . . . . . . . . . . . . . . . . # Attending __________
It’s Easy To Register!
Online
http://www.messageblocks.com/mba-annualconvention
Mail
Michigan Bankers Association
507 S. Grand Ave. • Lansing, MI 48933
Fax: (517) 487-1235 • Phone: (517) 485-3600
E-mail: [email protected]
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Michigan Bankers Association
130th Annual Convention
ARRIVE: Tuesday, June 21, 2016 DEPART: Friday, June 24, 2016
ACCOMMODATIONS MAY BE AVAILABLE PRIOR TO AND FOLLOWING THE ABOVE DATES
Return this form by: Friday, May 20, 2016
To: Reservations Department
Grand Hotel
PO Box 286
Mackinac Island, Michigan 49757
Telephone: (906) 847-3331
Fax: (906) 847-0945
[email protected]
MR.
MS.
MR. AND MRS. _____________________________________________________________________________________________________________
(circle one)
(please print or type)
Address___________________________________________________________________________________________________________________
City ________________________________________
State _______ Zip Code _____________
Cell Phone (______)___________________
If sharing a room, name(s) of person(s) sharing with you: __________________________________Business Telephone (______)__________________
E-mail ____________________________________________________________________________________________________________________
Grand Hotel offers a variety of room types for group attendees. Guests sometimes ask to arrive earlier or remain later than the groups’ official dates. We
welcome your request for a specific room, room type, or room dates either prior to or following the conference. While your request will receive careful
attention, please understand that it cannot be guaranteed.
ARRIVAL DATE: __________________________________________DEPARTURE DATE: ______________________________________________
PLEASE RESERVE THE FOLLOWING ACCOMMODATIONS:
DOUBLE
SINGLE
Daily, Per Person,
Based on Double Occupancy
Daily
CATEGORY I - Smaller, interior-view rooms
______ $215.00
______ $355.00
CATEGORY II - Larger, interior-view and smaller, lake-view rooms
______ $265.00
______ $455.00
CATEGORY III - Special, deluxe lake-view guest rooms, some with balcony
______ $335.00
______ $595.00
Grand Hotel operates on the Modified American Plan. This means that your daily rate includes breakfast and dinner. In addition to our Grand Luncheon
Buffet, other facilities are available at Grand Hotel for lunch.
RESERVATIONS FOR ADDITIONAL PERSONS
______ 4 years of age and under, no charge, except for luggage charge
______12 through 17 years of age, $59.00 daily, per person
______ 5 through 11 years of age, no charge, except for luggage charge
______18 years of age and over, $139.00 daily, per person
For an adult staying in a guest room with one or more children, the adult will pay the single convention rate, the children will be at the appropriate children’s rates
listed above. For two or more children staying in a guest room without an adult, the oldest child will be charged the single convention rate based on the category
of room they are in and the remaining children will be at the additional persons rates listed above.
PLEASE NOTE THAT A LIMITED NUMBER OF ROOMS ARE AVAILABLE FOR EACH RATE CATEGORY. IF THE RATE REQUESTED IS NOT AVAILABLE, THE
CLOSEST AVAILABLE RATE WILL BE CONFIRMED.
NO TIPPING: Tipping to any employee anywhere within Grand Hotel is not required, expected or permitted. There is tipping at the following offsite restaurant locations: The
Jockey Club at the Grand Stand, Woods, The Gate House, the Pool Grill, Cawthorne’s Village Inn, Sushi Grand and Fort Mackinac Tea Room.
NOTE: Michigan 6% Sales Tax applies to all charges, including a 19.5% added charge on the per person daily room rate. There is also a 2% Mackinac Island Assessment
charge on the per person daily room rate. There is a one-time charge of $8.00 per person for transfer of luggage from the dock to the Hotel and return. Taxi transportation to
and from the boat docks and the Hotel is not included in the daily rate.
The block of rooms being held for this meeting is based on estimated attendance. Please make your reservation as promptly as possible. Requests received after the block is
filled will be contacted and given an option of being placed on a waitlist. The waitlist is not a guarantee of a room. All rooms in the block which have not been reserved 30 days
in advance of the meeting will be released for other guests. Individual group reservations are subject to a 10-day cancellation policy. Reservation deposits will be refunded if
cancelled 10 or more days prior to arrival, less a $45.00 processing fee. Reservations cancelled less than 10 days prior will forfeit the room deposit.
Once a guest confirms a departure date upon check-in, should check-out occur earlier than agreed, there will be a $400.00 charge.
DEPOSIT POLICY: A deposit, including the luggage charge, must accompany this form in order to hold your room.
METHOD OF DEPOSIT: __Visa __ MasterCard __ Discover __ AMEX __ Check
___ Please charge one full night rate to my credit card
___ Please charge my full stay to my credit card
CREDIT CARD NUMBER: _______________________________________________________
EXPIRATION DATE: ________________
SIGNATURE: _____________________________________________________________________________ (Not valid without signature)
Grand Hotel accepts VISA, MasterCard, Discover, American Express, traveler's checks, personal checks, and cash payments for bills.
CHECK-IN TIME: After 4:00 p.m.
CHECK-OUT TIME: Before 11:00 a.m.
Visit our Web site at http://www.grandhotel.com
Your hotel confirmation will be arriving to you via e-mail. Please check your confirmation to make sure it is correct and print it for your records. Please contact us
with any questions or changes. In accordance with Michigan law, all Grand Hotel guest rooms, meeting rooms, restaurants and bars are non-smoking