- New Jersey Bankers Association

Transcription

MATERIAL UPDATED
MARCH 2016
NJBANKERS 111TH ANNUAL CONFERENCE
The Omni Hotel, Nashville, Tennessee • May 27 - May 31, 2015
Don’t put away your cowboy boots and hats!
NJBankers is heading west to Scottsdale, Arizona for our 2016
Annual Conference. From cowboy to couture, experience
Scottsdale, a city that is continually ranked as one of the
premier golf and resort destinations in the world! In the
heart of the lush Sonoran Desert, you’ll enjoy adventure
and glittering star-filled skies. This is the magic of Scottsdale.
The Conference is an opportunity to hear from experts
in their fields on timely banking industry topics, connect
with peers, and network with NJBankers Service and
Solution Providers all while you enjoy a luxury resort, fine
dining, shopping and the beauty of the Arizona landscape.
We look forward to you joining us.
Registration
NJBankers Registration Forms
Kindly return all registration forms to the NJBankers
office, 411 North Avenue East, Cranford, NJ 07016 with
appropriate registration fees as early as possible, but
no later than April 15, 2016.
Guests Needing Special Assistance
As a routine matter, we are notifying all persons who are
planning to attend the conference about the Americans
with Disabilities Act, which deals with accommodating
persons who are disabled.
If you wish to inform us that you have a disability that is
covered under the Americans with Disabilities Act and of your
special needs while attending, please notify us immediately
so that we will be informed of this well in advance of the
meeting. When writing us, you should address your letter as
follows: Cris Goncalves, Manager of Education, NJBankers,
411 North Avenue East, Cranford, NJ 07016.
Dress Code
General Sessions: For all educational programs dress is
casual (polo shirt & khakis).
Outside Activities/Suite
Reservation Procedures
It is NJBankers policy that conference attendees are not
allowed to sponsor any functions which conflict with a
scheduled NJBankers event during the Conference or
Exposition. This applies to hotel suites and meeting rooms
and any outside activity. Any groups wishing to host
additional functions will need approval by NJBankers
Director of Education. In addition no printed materials,
gifts etc. may be sent to any guests’ rooms without the
consent by NJBankers Director of Education.
Hotel Reservations
The guest room rates at The Phoenician, Scottsdale, AZ
are $295 per night, single or double occupancy for a
standard room. For additional room types, (upgrades/
suites), please call Blair Berman at 480-423-2842.
Due to the popularity of Scottsdale, you are encouraged
to make your reservations NOW! But no later than April
15, 2016, since a portion of NJBankers unused room
block may be released at that time. (Please note that the
hotel anticipates being sold out during our stay).
Hotel reservations may be made:
(1) By calling Blair Berman at the hotel at 1-480-423-2842
(Do not call central reservations.)
Any additional questions please contact:
[email protected].
Cancellation of Hotel
Reservations/Early Departure
If you cancel between day of booking and 5:00 p.m.
hotel time on May 2, 2016, there will be no forfeiture
amount. If you cancel after 5:00 p.m. hotel time on May
2, 2016, the forfeiture amount will be a 1 night stay.
ATTENDEE MAY BE RESPONSIBLE FOR CANCELLED
ROOM CHARGES IF NJBANKERS DOES NOT MEET
ITS ROOM BLOCK OBLIGATION.
Further Information
For information on hotel amenities, area restaurants and
activities, contact the hotel concierge at 480-423-2572.
Transportation Information
Nearby Airports
Phoenix Sky Harbor International Airport (PHX)
9.2 miles away from hotel, 20 minute drive.
Air Transportation
Guests should make their own airline reservations directly
with the carrier or consult their own travel agent.
Travel Discounts
United Airlines:
For travel from Newark, NJ to Phoenix, AZ
Promotional Offer: ZW3M958617
Valid Travel Dates: May 8-18, 2016
Car Rental
Hertz:
Reservations are recommended, and can be made
by calling 800-654-2240. Please refer to group code
CV#04HJ0007. Rates available from all Phoenix area
locations for rental start dates May 4-22, 2016
Car Service
Transtyle: 7525 E Williams Dr # A, Scottsdale, AZ 85255
800-410-5479 or 480-948-6131
For updated information please visit our website at
www.njbankers.com.
Market Showplace
Service Providers participating to date include:
Wednesday, May 11, 2016, 5:30 p.m. - 7:00 p.m.
welcome reception with exhibitors
Thursday, May 12, 2016, 7:00 a.m. - 11:45 a.m. and
6:30 p.m. - 7:30 p.m., reception with exhibitors
Friday, May 13, 2016, 7:00 a.m. - 12:00 p.m.
With more than 40 Service Providers (prospective
exhibitors see attached flyer) anticipated, the Market
Showplace will be your touchstone, not only for what’s
new in the industry, but will serve as a central location
for breakfast, breaks, our welcome reception and
catching up with old and new friends! Contact Jenn
Zorn, [email protected] for more information!
All Covered, a Division of Konica Minolta Business Solutions
Accume Partners
Atlas Systems
COCC
Federal Home Loan Bank of New York
ICBA Network Services
Merchant e-Solutions
Precision Lender
Trepp LLC
Village Office Supply
Weiser Mazars
Western Technologies
Endorsed and Select Partners of NJBankers exhibiting include:
NJBankers has a strict policy of no “suit casing”. Associate Members attending are encouraged to exhibit in the Market Showplace.
A policy of no hard sales on the showplace floor is in place for any non-exhibitor out of deference to those who are exhibiting.
Sponsorships
Sponsorships are a great opportunity to support your association and to give your bank/company maximum exposure
and recognition. Lock in your sponsorship (see attached flyer) early so that you will benefit from months of pre-conference
publicity! Contact Jenn Zorn, [email protected] or 908-272-8500 ext. 611 for more information.
PLATINUM SPONSORS
DIAMOND SPONSORS
GOLD SPONSORS
SILVER SPONSORS
BRONZE SPONSOR
Advertising
Be a part of NJBankers premiere event by placing an ad (see attached flyer) in the Annual Conference Program & Business
Guide. The Program Guide is a great way to advertise your firm’s products and services to the expected 550+ attendees or to
simply congratulate NJBankers new incoming chairwoman, officers and board members. The Program Guide is distributed
to all conference attendees and mailed to those members who were unable to attend the conference. A full-page ad costs
$1,175. Contact Emily DeMasi, Director of Communications, 908-272-8500, ext.610; [email protected].
New Jersey Bankers Association
112th Annual Conference
The Phoenician, Scottsdale, AZ • May 11-15, 2016
Tuesday, May 10
2:00 p.m.- 4:00 p.m. MARKET SHOWCASE SET-UP
Wednesday, May 11
9:00 a.m. - 11:00 a.m. MARKET SHOWCASE SET-UP
2:00 p.m. - 4:00 p.m. MARKET SHOWCASE SET-UP
2:30 p.m. - 3:00 p.m. ASSOCIATE MEMBER COMMITTEE “OPEN” MEETING
3:00 p.m. REGISTRATION / INFORMATION DESK HOURS
4:00 p.m. BOARD OF DIRECTORS MEETING
7:00 p.m. FORMER CHAIRMEN’S DINNER (by invitation)
Thursday, May 12
MARKET SHOWPLACE OPEN
OPENING CEREMONIES MUSIC
Performed by: The University of Arizona Pep Band
FIRST GENERAL SESSION
• Annual Meeting
• The New Demographics & Generational Differences
Kelly McDonald, President
McDonald Marketing
• Presentation of Forrey/Gallman Award
• Outgoing Chairman Remarks
Gerald L. Reeves, Chairman
President and CEO, Sturdy Savings Bank
• Balance Sheet Management Strategies
Scott Hildenbrand, Principal
Sandler O’Neill + Partners, L.P.
ver the past few years banks have experienced a balance sheet mix shift as they have
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had to change strategic plans to better suit the current interest rate environment. Key
issues include liquidity management and funding strategies, potential risk to tangible
common equity ratio/tangible book value as rates rise, building a bridge to loan
growth, and M&A balance sheet implications. With continued uncertainty around the
rate environment, bankers should continue to engage in interest rate risk oversight to
address key strategic issues and ensure prudent management.
• Cybersecurity: How to Prevent, Detect and Respond to the Increasing
Threat to Financial Institutions
Michael Barrack, Managing Director
Accume Partners
ttendees will learn what the examiners are suggesting and expecting; why legacy solutions
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are not working; trends on tactics, and attack vectors; what FI management needs to know
and do and what FI boards need to know and do.
• Understanding Today’s Non-Bank Competitors
Ben A. Plotkin, Executive Vice President/Vice Chairman
Keefe, Bruyette & Woods, A Stifel Company
his session will review financial technology firms, peer to peer lenders, BDC’s and other
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non-bank competitors. A focus will be the competitive implications for NJ community banks.
Should banks partner with, fight or buy the new era non-bank competitors?
Friday, May 13
CONCURRENT BREAKOUT SESSIONS
• What Makes Great Boards Great: Best Practices in Board Governance and
Director Succession
Alan J. Kaplan, Founder and CEO
Kaplan Partners
This session will focus on the elements of superior board governance, with a specific focus on:
• Trends in board structure and demographics.
• Best practices in director recruitment.
• The skills that are in demand among bank board members today.
• Managing Your Debit Card Portfolio in Today’s Changing Market
Patrick Goodwin, President
Strategic Resource Management his presentation details the industry changes since the Durbin Amendment to the Dodd-Frank
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Act. Included is a discussion of the steps that a Financial Institution can take to minimize the
revenue loss from the industry changes and what can be done to maximize interchange revenue.
• Fair Lending for Who? Recent Developments in ECOA, FHA, TILA, RESPA and
Other Consumer Protection Laws
Craig Steinfeld, Esq., Partner
Anthony Sylvester, Esq., Partner
Sherman Wells Sylvester & Stamelman LLP
John M. Geiringer, Esq., Partner
Barack Ferrazzano
iscussion of the existing “fair lending” laws and recent developments affecting lenders.
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Discussion to include brief history and current status of Equal Credit Opportunity Act (ECOA),
Fair Housing Act (FHA), the recent TILA and RESPA Integrated Disclosures (TRID) and other
related laws and the role of the Consumer Financial Protection Bureau.
• To Bid or Not to Bid: M&A Secrets and Essential Analytics
Kamal Mustafa, Chairman, CEO and Founding Partner
Invictus Consulting Group
he community banking market is consolidating. M&A opportunities may be attractive for even
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some banks that have never considered a deal in the past. In this address, Invictus Chairman Kamal
Mustafa, the former head of global M&A at Citibank, reveals how new analytical techniques can
accurately pinpoint at what multiple an acquisition would be equal or better than organic growth.
He will show how new analytics also facilitate interactions with regulators, optimize regulatory
capital adequacy requirements and maximize M&A war chests.
• Branch Transformation: Talent, Technology, Buildings and Brand
Matt L’Heureux, First Vice President, Product Management
COCC
he evolution of physical branches has compelled financial institutions to focus on increasing
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customer engagement outside the branch. To that end, the digital banking channels have
evolved with capabilities that position them as the full-service virtual branch – the branch with
the largest footprint and greatest level of activity.
his dialogue will focus on problems, opportunities, and how to meet their demands. Critical to
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the content, attendees will leave with a branch solutions matrix aimed at aligning fa retail goals
alongside the components and initiatives that can be employed to achieve them.
•C
RA Session
How to Leverage Financial Education in the 21st Century to Support
CRA Efforts
Ryan Swift, Vice President/Business Development
EverFi
Earning CRA Credit While Protecting the Elderly
Edward J. Gentry, Chairman, President and Chief Executive Officer
Senior Housing Crime Prevention Foundation, Inc.
The Senior Housing Crime Prevention Foundation serves as a way for banks to earn CRA
credit in the form of CRA-qualified loans, investments or grants through the operation
of the nationally-acclaimed crime prevention program - the Senior Crimestopper’s
program to protect low- and moderate-income individuals from theft, abuse and
neglect. Funded exclusively by the banking industry, our mission is to provide safe and
secure living environments for our nation’s senior housing residents, HUD communities
and Veterans homes in each participating bank’s assessment area.
• Current Trend & Regulatory Developments in Bank Owned Life Insurance (BOLI)
David R. Payne, Esq., Chief Operations Officer
Bank Financial Services Group
mployee benefit costs are rising, regulatory requirement for transparency continues to increase
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every year. An increasing choice for many banks is to purchase bank owned life insurance as a hedge
against rising costs and to incentivize valued personnel to remain with the bank. We will take a look
at the trends in the bank owned life insurance market along with the increased regulatory disclosure
requirements and the myriad of ways banks are using the asset to their advantage.
• Mergers & Acquisitions Panel
Robert C. Azarow, Esq., Partner
Arnold & Porter, LLP
John G. Gorman, Esq., Partner
Luse Gorman, PC.
Richard L. Quad, Co-Head, Financial Institutions
Griffin Financial Group LLC
This panel will discuss mergers & acquisitions activities in New Jersey.
• Why Community Bank C-Level Executives Have to Embrace
Technology and Innovation as a Strategic Necessity to Retain
Customers and Attract Next Gen Customers
Christian Ericson, Chief Marketing Officer
BITS, LLC
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ommunity banks have always relied on superior customer service as one of
their key competitive advantages. However, technology is changing the way
your current and future customers prefer to bank. A strategic application
of technology must be a top-down approach that starts with a business
requirement supported by a CEO’s vison. Ingraining technology within your
bank’s culture will form the foundation to embrace the technology changes
that enable you to retain your customer base and attract the next generation
of customers for whom technology is always present.
he presentation will review a few case studies of technology innovations that
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will enhance your internal collaboration and productivity capabilities, resulting
in improved customer service and satisfaction.
he presenter will also give recommendations how executives should proactively
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overcome employee “fear of change”, the #1 internal obstacle to technical innovation.
• Mobile Payments
William Nowik, Senior IT Assurance Manager
Wolf & Company, P.C.
s financial services become more and more competitive, it is essential to offer
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consumers the services and access they want. In today’s world, that means the
use of mobile payment systems. Malware and Hackers are constantly targeting
individual consumers, and by properly implementing mobile payment governance
you protect the customer and minimize the threat of financial loss to the institution.
This session will:
• Discuss the current mobile payment environment, opportunities, and challenges
• Review the different providers and the technology platforms
• Share the key components involved in proper risk governance and what
security controls are required for implementation and ongoing monitoring
• Individual Liability for Bank Executives for Compliance Violations
Douglas P. Faucette, Esq., Partner
Locke Lord
he presentation will address the developing trends and the outside factors that
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are influencing them with respect to changing agency enforcement policies. The
presentation will survey various policy actions by the FinCEN, the DOJ, the N.Y.
Department of Financial Services and the SEC in tightening enforcement guidelines
to seek penalties from executives personally rather than the bank. The presenter
will address the FinCEN’s Advisory regarding the “Culture of Compliance”, the U.S.
Department of Justice’s 2015 memo to all US attorneys regarding seeking individual
accountability for corporate wrongdoing and the recent proposed regulation by the N.Y.
Department of Financial Services to hold chief compliance officers criminally liable for false
or incorrect AML compliance certifications. The presentation will also touch on the SEC’s
proposed no-fault claw back rules for incentive compensation and the likelihood similar
concepts will be applied by the banking agencies to non SEC regulated companies.
Saturday, May 14
SECOND GENERAL SESSION
• It’s the End of the World as We Know It: Five Technology
Game Changers You Need to Know Now
Virginia Heyburn, Vice President, Insights and Advocacy
Fiserv, Inc. oday’s customer is hyper-connected and highly informed in an intense life rhythm.
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A brewing threat to traditional financial institutions is putting banking revenue at
significant risk of disruption. Entrepreneurial technology companies that put simple
design principles at the heart of their delivery strategies are solving banking problems
in payments, lending, money transfers, and deposits. Banks that peg digital banking as
a service model instead of the business model are running the risk of getting saddled
with low-margin accounts. Creating distinction that is characterized by speed, ease
and convenience, banks will use technology to build loyalty, deepen relationships,
and grow the banking and payments franchise. This session will explore five emerging
technologies that will change the face of banking and payments in a digital world and
offer strategies for banks to deliver services customers really want.
• A View from Washington
Rob Nichols, President
American Bankers Association
• Economic Update
Gary Wagner, Regional Economic Advisor
Federal Reserve Bank of Philadelphia
F or firms to succeed, they need to make many decisions, but each decision carries
with it risk. An economist will discuss the state of the region’s economy which will
assist businesses in making the decisions to reduce those risks.
• President’s Report
• Service Awards Presentation
• Community Service Awards Presentation
John E. McWeeney, Jr., President and CEO
• Installation of 2016-2017 Board of Directors
• Installation of 2016-2017 Officers
• Incoming Chairwoman Remarks
Angela Snyder, CEO and Vice Chairwoman
Fulton Bank of New Jersey
KEYNOTE:
“Politics NOW”
Stuart Rothenberg
Editor and Publisher of
The Rothenberg Political Report,
Columnist for Roll Call,
Political Analyst, Election Forecaster
For years, Stuart Rothenberg has embodied the rare
ability to report on all the political happenings in
the nation with unbiased clarity and non-partisan
precision. The publication he founded, The Rothenberg
& Gonzales Political Report, provides honest,
nonpartisan reporting and clear-eyed analysis of
American elections and their potential ramifications,
looking at U.S. House, Senate, and gubernatorial
campaigns, presidential politics, and political
developments. Rothenberg is one of the nation’s most
popular political analysts and handicappers, and he
captivates audiences with insightful, often humorous
discussions about election results, the issues facing
decision makers on Capitol Hill, and the nature of
politics itself. His lectures are as up-to-date as today’s
newspaper, and he presents his insider views on hotly
debated issues and how the future of politics is being
shaped by our nation’s current newsmakers.
Receptions
5:30 p.m. - 7:00 p.m. Wednesday
WELCOME RECEPTION IN THE MARKET SHOWPLACE
6:30 p.m. - 7:30 p.m. Thursday
NETWORKING RECEPTION IN THE MARKET SHOWPLACE
6:00 p.m. - 7:00 p.m. Friday
NETWORKING RECEPTION
1:00 p.m. - 5:00 p.m. Hummer Tour in the
Sonoran Desert
Experience the thrill as the Hummer conquers the intense desert terrain
of the Tonto National Forest on the Four Peaks Trail, while the guide
discusses the wildlife and plants that inhabit this majestic landscape.
There are no dead ends in a Hummer! Climb aboard one of the most
amazing vehicles in the world! The Hummer defies the unexplored,
leaves the crowds and masses behind, and gives participants nothing
but an unforgettable adventure in the Sonoran Desert.
1:00 p.m. Golf Tournament
The Phoenician Golf Course
Cocktails and Conversation
9:30 p.m. - 11:30 p.m. Wednesday
COCKTAILS AND CONVERSATION
9:00 p.m. - 11:00 p.m. Thursday
SPORTS BAR NIGHT Wear your favorite team’s gear.
Enjoy games; raffles, and a night of local sports.
9:30 p.m. - 11:30 p.m. Friday
5:30 p.m. - 10:00 p.m. Saturday
CARNIVAL NIGHT Reception/Dinner
Activities/Tours
See Registration form for all associated fees.
Tournament includes a BBQ lunch prior to the start, all greens
fees, cart fees, beverage carts and prizes. Every effort will be made
to honor pairing requests. Contact Cris Goncalves for requests at
[email protected].
1:00 p.m. Round Robin Tennis Tournament
The Phoenician Courts
Enjoy an afternoon with good friends & friendly competition on the
Phoenician courts. Tournament includes box lunches prior to the
start, beverages, snacks, court times & prizes.
Friday, May 13
12:30 p.m. - 4:30 p.m. Wine Tasting with lunch at
Arcadia Farms
Visit Su Vino Winery in Scottsdale and choose a few different kinds
of wine for a tasting. In addition, cheese, crackers and fruit will be
served alongside the wines to bring out their natural flavors during
tasting. Before the tasting, guests will enjoy lunch at nationally
acclaimed, Arcadia Farms in the relaxing, French country ambience.
Thursday, May 12
8:00 a.m. - 9:30 a.m. Spouses Breakfast
Saturday, May 14
12:45 p.m. - 4:45 p.m. Desert Botanical Gardens
& Heard Museum Tour
10:00 a.m. - 2:00 p.m. A Taste of Old Town
Scottsdale
Guests will enjoy a docent guided tour at both the Heard Museum
and Desert Botanical Gardens, as well as a picnic box lunch.
hosted by Shirley Reeves
Enjoy this walking food and cultural tour that opens your mind and
palette one taste at a time! Join in to sample great food and sip fine
wine as you travel through time to some of the same streets that
have been stomped on by the cowboys of the early 1900’s frontier.
With an experienced guide, you will be taken through Old Town
Scottsdale from past to present and discover how it has grown
throughout the years and why it is still, today, one of the most
popular and tasty tourist destinations in the U.S. You will make six
stops at various restaurants and sit down with at least four of them,
where enough food is served to be considered lunch.
HEARD MUSEUM The Heard Museum is one of the oldest cultural
centers in the city. It was built in 1929 to house the collection of
Dwight and Maie Heard. Guests will tour the museum’s signature
exhibit ‘Native People in the Southwest’. This tour includes the
Heard’s most prized masterpieces, sweeping landscapes, poetry
and personal recollections on an unforgettable journey through
the Southwest and the vibrant arts and cultures of Native people.
DESERT BOTANICAL GARDENS Guests will follow the Garden’s
main trail and learn the unique characteristics of desert plants
from around the world. This trail features outstanding displays and
exhibits including the Cactus and Succulent Galleries.
411 NORTH AVENUE EAST
CRANFORD, NEW JERSEY 07016
P: 908.272.8500
|
F: 908.272.6626
|
NJBANKERS.COM
NJBANKERS
REGISTRATION
Complete one form for each registrant/couple. Duplicate
this form as needed for additional registrants. A $75
processing fee will be charged for all cancellations. No
refunds will be given after April 15, 2016, but
substitutions will be accepted.
SECTION A: Annual Conference Registration Fees: Includes admission to all Association-sponsored sessions, breakfasts
(Thursday – Saturday), receptions, cocktails and conversation events and Saturday’s farewell event.
SECTION A FEES
NJBankers Members/Associate Members
$1,100
Non-Member Exhibitor
$1,250
Non-Member Non-Exhibitor
$1,600
Spouse/Guest NJBankers Member/Associate*
$ 500
Spouse/Guest Non Members*
$ 700
$
$
$
$
$
Children (under 18)** - Registration is complimentary
**Saturday farewell event for under 18
$50 additional per child
$
*Includes Spouse/Guest Welcome Breakfast on Thursday at no additional
charge
NAME
50
SECTION A SUBTOTAL
$
$
TITLE
COMPANY
ADDRESS
CITY
PHONE
STATE
ZIP
EMAIL
NICKNAME FOR BADGE
NAME OF SPOUSE/GUEST ATTENDING THE CONFERENCE
NICKNAME FOR BADGE
SPOUSE/GUEST EMAIL
CHILD’S NAME ATTENDING THE CONFERENCE
NICKNAME FOR BADGE
AGE
NICKNAME FOR BADGE
AGE
NICKNAME FOR BADGE
AGE
 Do you or anyone in your group
have any special physical, dietary or
other needs?
If Yes, list names and accommodations required:
SECTION B: Credential Information – NJBANKERS – BANK MEMBERS ONLY
The by-laws of the New Jersey Bankers Association provide that each member institution is entitled to one vote and
may be represented by one or more delegates at any meeting of NJBankers. Each delegate must be a bona fide officer,
director, attorney or employee of the institution which he/she represents and must present written credentials signed
by an officer of the institution.
OFFICIAL DELEGATE
TITLE
SIGNATURE
DATE
SECTION C: Optional Tours and Activities (some events require additional fees and/or minimum guarantees may apply)
Thursday, May 12 – see brochure for full tour details and times
 Spouse/Guest Welcome Breakfast
TOTALS
$________________
Complimentary with paid spouse registration
Name:
 Spouse/Guest Activity - A Taste of Old
Town Scottsdale
Name:
 Tennis Tournament
$225 per person fee includes tour, transportation
and lunch
$________________
$185 per person fee includes registration fee, court
time, balls, boxed lunch, beverages, snacks and prizes
Name:
Name:
 Raquet Rental: $20
 Hummer Tour in the Sonoran Desert
 Raquet Rental: $20
$260 per person fee includes tour and
transportation
Name:
 Golf Tournament – Shambles Format
$________________
Name:
$295 per person fee includes BBQ lunch, greens
fees, cart rental, beverage cart and prizes
Name:_______________________________
 Club Rental: $75
Right
or
$________________
$________________
Name:_______________________________
 Club Rental: $75
Left
Right
or
Left
Friday, May 13 – see brochure for full tour details and times
 Wine Tasting with Lunch at Arcadia
Farms
$210 per person fee includes tour, wine tasting,
Name:
Name:
lunch and transportation
$________________
Saturday, May 14 – see brochure for full tour details and times
 Desert Botanical Gardens & Heard
Museum Tour
$210 per person fee includes tour of gardens,
Name:
 Saturday Farewell Event – A Night on the
Range
Name:
Name:
Name:
museum, lunch and transportation
$________________
Complimentary for paid registrant/spouse
$________________
SECTION C SUBTOTAL
$
SECTION D: Payment Information
SECTION A SUBTOAL
$
SECTION C SUBTOTAL
$
GRAND TOTAL
$
 Check Enclosed*
 Check to Follow*
*Checks payable to: New Jersey Bankers Association
PRIMARY CONTACT
NAME:
 Send Invoice
 Charge Credit Card Below
PHONE:
EMAIL:
(for any questions on registration)
CREDIT CARD
 AMERICAN EXPRESS

MASTER CARD

DISCOVER
 VISA
NAME ON CARD
CARD NUMBER
EXP. DATE
AUTHORIZED
SIGNATURE
REMIT FORM AND PAYMENT NO LATER THAN APRIL 15, 2016 TO:
New Jersey Bankers Association, 411 North Avenue East, Cranford, NJ 07016
Secure Fax 908.272.2720
OR
Email [email protected]
Questions: Call 908-272-8500
CCV
NJBANKERS
SPONSORSHIP /
OPPORTUNITIES
Updated: 4/1/16
Sponsorships give your company maximum exposure and recognition to the conference attendees and provide
another exceptional opportunity to forge new relationships. Enhance your image by being one of the sponsors at
NJBankers Annual Conference.
Lock in your sponsorships early so that you will benefit from months of pre-conference publicity!
SPONSORSHIPS 

Sponsorship levels are determined on the cumulative price points of the sponsorship(s). All sponsors will
automatically be placed in the appropriate sponsor level based on price point.
Questions
For pricing and availability on these opportunities (or if you wish to host any event as an exclusive sponsor), please
contact Jenn Zorn at [email protected] or call 908.272.8500 x611.
Sponsor Benefits
Platinum
$25,000
and over
Diamond
$15,000 –
$24,999
Gold
$10,000 $14,999
Silver
$5,000 $9,999
Complimentary Registration
Former Chairmen Dinner Invitation
Logo on General Session Backdrop
Logo “Jersey” on Sports Night
Sponsor Logo Page in Program
Color Sponsor Tent Signs at all Events
Pre-event publicity in promotional materials
and website
Signage at Annual Conference
Sponsor Ribbon on Badge
Annual Conference Attendee List
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Bronze
$1,000 $4,999
Patron
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$1,000
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Event
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Event
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Saturday Night “Home on the Range” Events
Carnival Prize Sponsor
Balloon Rides
$1,000
(1 available)
$3,000
(3 available)
$2,000
(1 available)
BBQ
Entertainment
Events
 Welcome Refreshments
 Thursday – Spouses Breakfast
 Opening Ceremonies –
University of Arizona Pep Band
 Keynote Speaker – Stuart
Rothenberg
 Conference WiFi Sponsor
 Conference App Sponsor
Former Chairmen Dinner
 Dinner
 Wine Service
 Hosted Bar
 Entertainment
$10,000
(1 available)
Event
Cost
Event
Cost
Cocktails and Conversation Evenings
 Wednesday – Bar Service
$3,500
(1 available)
 Wednesday Coffee &
Dessert
$3,500
(1 available)
 Thursday – Sports Bar Night
Event Sponsors
$4,500
(2 available)
 Thursday – Sports Bar
Night
Game Day Ticket Raffle
Sponsors
Contact Jenn
 Friday Coffee & Dessert
$3,500
(1 available)
(sponsor logo on jerseys hung at event)
 Friday – Bar Service
$3,500
(1 available)
Looking for 2-4
seats at any
area sporting
events for
drawings!
(sponsor logo
on jerseys hung
at event)
Custom Logo Items
 Event Coasters
 Event Placemats
 Bags
 Badge Wallets
 Hotel Keys
 Conference Pen
(sponsor logo on pen)
 Baseball Caps
 Conference Coffee Cups
$3,500
(1 available)
 Event Cocktail Napkins
 Popcorn Sponsor
 Candy Sponsor
Conference Photography
Receptions
 Wednesday in the Market Showplace
$9,000
(1 available)
 Thursday in the Market Showplace
 Friday on the Phoenician Patio
Networking Breakfasts and Breaks in the Market Showplace
 Thursday – Breakfast
$5,000
(1 available)
 Thursday Morning Break
$3,000
(1 available)
 Friday – Breakfast
$5,000
(1 available)
 Friday Morning Break
$3,000
(1 available)
 Saturday – Breakfast
$5,000
(1 available)
 Saturday Morning Break
$3,000
(1 available)
Event
Cost
Event
Cost
Activity Sponsors
Thursday – Tennis Tournament
 Thursday – Tennis Boxed
Lunches
$1,500
(2 available)
 Thursday – Tennis Prizes
 Thursday – Tennis
Refreshments
$800
(1 available)
Thursday – Golf Tournament
 Thursday – Golf Tournament
– BBQ Luncheon (includes logo
$4,000
(1 available)
napkins)r
 Thursday – Golf Tournament – On Course Beverage
Carts
– Golf Towels with company
logo
$6,000
(1 available)
 Thursday – Golf Tournament – Golf Balls with company
logo
– Contests – Available
Closest to Pin M&W
Longest Drive M&W
$750 per
contest
(1 each
available)
 Thursday – Golf Tournament – Hole
Sponsors, each
$300 each
– Hole Sponsors, package
discount
4 for $1,000
 Thursday – Golf Tournament – Golf Tees
$3,500
(1 available)
– Tournament Cash Prize
donation
$_________
 Thursday – Golf Tournament – prize donation
Please list:_________________________________________________________________________________
PAYMENT INFORMATION
Sponsorship Subtotal
$
Advertising Subtotal
$
GRAND TOTAL
$
 Check Enclosed*
 Check to Follow*
 Send Invoice
 Charge Credit Card Below
*Checks payable to: New Jersey Bankers Association
PRIMARY CONTACT
NAME:
PHONE:
EMAIL:
(for any questions on this
form)
CREDIT CARD

AMERICAN EXPRESS

MASTER CARD

DISCOVER

VISA
NAME ON CARD
CARD NUMBER
EXP. DATE
AUTHORIZED
SIGNATURE
REMIT FORM AND PAYMENT NO LATER THAN APRIL 15, 2016 TO:
New Jersey Bankers Association, 411 North Avenue East, Cranford, NJ 07016
Secure Fax 908.272.2720
OR
Email [email protected]
CCV
EXHIBITOR
INFORMATION
1
NJBankers Exhibitor Kit
2016 ANNUAL CONFERENCE
The Phoenician, Scottsdale, AZ
May 11 - 15, 2016
RULES GOVERNING EXHIBITORS
Management and Exhibition: New Jersey Bankers Association (herein referred to as NJBankers) shall mean it, and its officers, agents or employees acting
for it in the management of the Market Showplace. The purpose of the Market Showplace is to present the latest products and services available to the
banking industry. All exhibitors shall comply with all instructions of The Phoenician, Scottsdale, AZ (“Hotel”) management concerning all aspects of the
use of exhibit space. NJBankers reserves the right to refuse space to any applicant for exhibition space, or to restrict the use of any materials, that, in the
sole discretion of NJBankers, are unlikely to contribute to the overall objective(s) of the Market Showplace.
Use of Exhibit Space: No exhibitor may sublet, assign or apportion any part of the space allotted, nor represent, advertise or distribute literature for the
product or services of any other firm or individual except as approved in writing by NJBankers.
Space Assignment: Exhibit space will be assigned on a first paid basis only. Every effort will be made to assign space preference; however, NJBankers
reserves the right to make final space assignments or change the space assignment, at its sole discretion in order to avoid competitors next to or across from
each other. NJBankers reserves the right to cancel the Exhibit Show at its sole discretion.
Conference Registration: Conference registration fee will allow participation at all general Conference events. All exhibitors are required to register
for the Conference.
Restrictions: NJBankers reserves the right to restrict exhibits which, because of noise, method of operation, or any other reason, become objectionable. It
may forbid installation or require dismantling. In the event of such restrictions, NJBankers is not liable for any refund or other expenses incurred to the
exhibitor.
An exhibitor may not schedule or conduct outside activities, which might take qualified attendees from the exhibit area or general NJBankers events.
The exhibitor agrees to obtain all necessary licenses and permits to use music or other copyrighted or protected material in the exhibitor’s booth. Exhibitors
shall comply with all applicable rules, regulations, and requirements of the Hotel regarding, but not limited to, the following: audio or visual recordings,
safety regulations and shipment(s) of freight in the building. Exhibitors are required to observe all union contracts in effect among GES official contractors,
facilities and various labor organizations regarding NJBankers Annual Conference.
Liability: The exhibitor shall be liable for any and all damages to the building and facilities and the furniture and fixtures contained therein which shall occur
through acts or omission of the exhibitor, its agents, employees, or invitees.
Neither NJBankers, nor the Hotel, nor the affiliates and subsidiaries of each, nor the officers, directors, agents and employees of each (“indemnified parties”)
shall be responsible for any injury, loss or damage that may occur to the exhibitor, the exhibitor’s employees, agents or invitees, or the exhibitor’s property,
however caused. The exhibitor agrees to defend, indemnify and hold harmless indemnified parties from all claims or liabilities for any such injury, loss or
damage.
Insurance: Exhibitors are required to obtain insurance coverage, at their own expense, for their business interruption, for property loss or damage to
themselves and for liability for property damage and personal injury to others in an amount of no less than $1 million of general liability coverage.
Interpretation and Amendments: NJBankers reserves the right to interpret or amend these Rules as it deems proper to ensure the success of the Market
Showplace and to further its educational purposes. All matters, issues, or questions not covered by these Rules are subject to the sole discretion of NJBankers.
Exhibitors agree that the provisions of this agreement shall be construed in accordance with the laws of the State of New Jersey and any action or proceeding
brought to enforce or interpret this agreement shall be brought in a court of competent jurisdiction in the State of New Jersey.
Exhibitors understand that this writing contains the entire agreement between us, which may be modified only by a writing signed by NJBankers.
(continued)
2
May 11 - 15, 2016
(continued from previous page)
Booth Construction & Services: A standard booth is approximately 8 feet deep and 10 feet wide consisting of a 110 electrical outlet, (1) 6’ draped table, 2 chairs,
a wastebasket and sign with company name and booth number. NJBankers reserves the right to make changes at any time in the location, size and display limits
of any booth if this is in the best overall interest of the show. No exhibitor shall block the sight line from the aisle of any adjoining exhibitor. No obstructions
shall be placed in the aisles, passageways or near a fire extinguisher.
Official Exhibit Contractor: The official contractor for the Conference will be GES. They are responsible for installation and dismantling of exhibits, furniture
rental, labor, drayage services, cleaning, material handling and signs. For a smooth installation and dismantling, it is highly recommended you utilize GES for
all your exhibit needs.
If an individual exhibitor chooses to utilize its own contractor to provide any of the non-exclusive services that GES may otherwise perform under this Agreement,
exhibitor seeking to use its own contractor must deliver to NJBankers by no later than March 11, 2016 (i) a written statement setting forth the identity and intended
use of the contractor, and (ii) a certificate of insurance evidencing that the contractor has in place the minimum insurance coverage as defined herein. Exhibitor
will be solely responsible for ensuring that each contractor furnish evidence of workers compensation insurance in the minimum amount required by state law as
well as evidence of commercial general liability in a minimum amount of one million dollars ($1,000,000) covering all operations and automobile liability
insurance and a minimum amount of one million dollars ($1,000,000) covering all owned, hired and non-owned vehicles. The policies for Commercial General
Liability and Automobile Liability shall name NJBankers, The Phoenician and GES as additional insureds for the events covered by this Agreement.
Exhibitor will
 use GES to provide non-exclusive exhibit services
use another contractor to provide non-exclusive exhibit services *
Contractor Name___________________________
Exhibitor Initials _________
* If an Exhibitor utilizes its own contractor to provide any of the non-exclusive services that GES may otherwise perform under this Agreement, and fails to
provide the aforementioned insurance documentation by the requested date, NJBankers reserves the right to terminate this agreement and retain exhibit
registration fees.
GES shall have control, as per union jurisdiction, of all inbound and outbound freight to prevent congestion in the loading and unloading area, in the aisles, and
in any freight traffic area. Please note that the Hotel will NOT accept any advance freight deliveries. Advanced shipments may be sent to GES Warehouse from
April 7, 2016 until May 6, 2016. Warehouse shipping information as well as a drayage rate schedule will be provided to exhibitors in mid-late February.
The cut-off date for shipments to the GES warehouse is Friday, May 6th (shipments received from May 6 will still be accepted but additional charges will apply).
No shipments to the Hotel will be accepted. Any freight arriving at the Hotel for GES will be refused and will be returned at the exhibitor’s expense. GES shall
have complete control of all labor hired and scheduling and coordination of labor, as per union jurisdiction. Should any exhibitor not be able to make the freight
delivery deadline, a phone number will be provided in your show kit to contact GES for further details. Any shipments arriving at the advance warehouse after
the freight has been delivered can still be taken to the hotel, with a special delivery charge, plus the standard drayage rate.
Exhibit Set-Up:
Tuesday, May 10, 2016: 2:00 p.m. - 4:00 p.m.
Wednesday, May 11, 2016: 9:00 a.m. - 11:00 a.m. or 2:00 p.m. - 4:00 p.m. **
** No exhibitor will be allowed to set-up after 4:00 p.m. on Wednesday, May 11, 2016.
The Market Showplace hours are:
Wednesday, May 11, 2016: 5:30 p.m. – 7:00 p.m.
Thursday, May 12, 2016: 7:00 a.m. – 11:45 a.m. and 6:30 p.m. – 7:30 p.m.
Friday, May 13, 2016: 7:00 a.m. – 12:00 p.m.
Exhibits may only be dismantled on Friday, May 13, 2016 at 12:00 p.m. No exhibitor may break down before 12:00 p.m. on Friday.
We agree to comply with the exhibit regulations, instructions, set-up and dismantle times, and conditions of the contract
attached to this application and with all conditions under which facilities are provided to the New Jersey Bankers
Association.
Signature: ________________________________________________
Date: _________________________
Print Name: _______________________________________________
Title: _____________________________________________________
Company Name: ____________________________________________
3
May 11 - 15, 2016
This agreement is made between the New Jersey Bankers Association and (PLEASE PRINT CLEARLY):
Who should NJBankers contact regarding any exhibiting questions/or questions with this application and logistics?
Name:__________________________________ Email:__________________________________ Phone:________________________
Exhibiting Company Information (as it is to appear in Program Guide)
Company Name:
Sales Representative:
Address:
City:
Phone: (
State:
)
Fax: (
Zip:
)
Email:
Website:
We hereby apply for EXHIBIT SPACE REGISTRATION at the New Jersey Bankers Association Annual Conference:
Associate Member
Non-Member
Associate Member – Pre-Paid Conference/
Dues Package
(please check)
(please check)
(please check)
 Paid with Dues Package ***
Booths are assigned on a
Booths are assigned on a
first-paid basis.
first-paid basis.



$1,175 Booth Fee
$1,100 Per Attendee
$ 500 Per Spouse
$_________________



$1,700 Booth Fee
$1,250 Per Attendee
$ 700 Per Spouse
$_________________
Package Includes:




Booth Fee – Paid
First Access to Estrella Row Booths 200-209
First Registration – Paid
Ad page in Program Guide – Paid
Additional Booth Staff/Spouse

Spouse $500
 Additional Booth Staff $1,100
$_________________
Please indicate your booth number preference***: (a)_______ (b)_______ (c) ________ (d)________.
***Please Note: Members who have taken the dues package will have first preference to the booths highlighted in Estrella
Row
We request that our exhibit space not be adjacent or opposite the following probable exhibitor(s) ___________________________________
________________________________________________________________________________________________________________
Exhibit Space Includes:
8’ X 10’ Exhibit Booth, 110 electrical outlet, (1) 6’ draped table, 2 chairs, 1 wastebasket, and sign with
company name and booth number.
4
Please note: All exhibitors must also
be registered for the Conference in
addition to the Booth fee.
Please register the following individual(s) as exhibitors and for the Conference (photocopy for additional attendees):
Name
1)
Name:_________________________________________________________________
Saturday “A Night on the Range”
Email:_________________________________________________________________
May 14, 2016
(included with registration fee)
Phone:_________________________________________________________________
 Attending
 Not Attending
2)
Name:_________________________________________________________________
Email:_________________________________________________________________
May 14, 2016
Phone:_________________________________________________________________
 Attending
 Not Attending
 Check if this is a spouse
3)
Name:_________________________________________________________________
Email:_________________________________________________________________
May 14, 2016
Phone:_________________________________________________________________
 Attending
 Not Attending
4)
Name:_________________________________________________________________
Email:_________________________________________________________________
May 14, 2016
Phone:_________________________________________________________________
 Attending
 Not Attending
Payment Information
 Check enclosed
 Check to follow
 Send invoice
 Credit Card
If paying by check, please make it payable to: New Jersey Bankers Association
Billing Address (If different from preferred mailing address):
Primary Contact: __________________________________________________________________________________________________
Institution/Company Name: _________________________________________________________________________________________
Address:
______________________________________________________________________________________________________
City:
________________________
 VISA
Credit Card
State:
_______
 DISCOVER
Zip/Postal Code:
 MASTER CARD
__________________________
 AMERICAN EXPRESS
Name on card __________________________________________________________________
Card Number
___________________________________________
Card Holder Signature
CCV______
EXP. DATE
_________________________
_______________________________________________________________________________________
NO REFUNDS WILL BE ISSUED FOR CANCELLATION OF EXHIBIT BOOTH SPACE.
Send Completed Registration Forms to:
NEW JERSEY BANKERS ASSOCIATION
Attn: Cindy Zaccaro, 411 North Avenue East, Cranford, NJ 07016
Secure Fax: (908) 272-2720 or [email protected]
5
Questions
Please direct all questions on exhibiting or application to Cindy Zaccaro at 908-272-8500, ext. 632 or [email protected]
Conference Program Guide Copy
 I have attached our company’s description as it should appear in the Conference program guide.
NJBANKERS USE ONLY:
Endorsed/SSP
AM Package
AM
(30 words or less)
Non-member
Application Received:____________________________________________Booth No. Assigned:_____________________
Payment Received: Booth
Utilizing GES:
6
Yes
Attendee Registration:___________________Date space confirmed:________
No
If No, Company Name________________________________________________
May 11 – 15, 2016
"Westward Ho"
TUESDAY, MAY 10
2:00 p.m. – 4:00 p.m.
MARKET SHOWPLACE SET-UP
Ballroom DEFG
WEDNESDAY, MAY 11
9:00 a.m. – 11:00 a.m.
2:00 p.m. – 4:00 p.m.
2:30 p.m. – 3:00 p.m.
MARKETSHOWPLACE SET-UP
3:00 p.m. – 7:00 p.m.
REGISTRATION / INFORMATION DESK HOURS
Ballroom DEFG
ASSOCIATE MEMBER COMMITTEE “OPEN” MEETING
Pine
Grand Ballroom Foyer
4:00 p.m. – 5:30 p.m.
BOARD OF DIRECTORS MEETING
5:30 p.m. – 7:00 p.m.
MARKET SHOWPLACE OPENS
5:30 p.m. – 7:00 p.m.
WELCOME RECEPTION IN THE MARKET SHOWPLACE
Ballroom DEFG
7:00 p.m. – 9:00 p.m.
FORMER CHAIRMEN’S DINNER (by invitation)
9:00 p.m. – 11:00 p.m.
Ballroom A
Ballroom DEFG
Estrella Theatre
Il Terrazzo Salon & Patio
THURSDAY, MAY 12
7:00 a.m. – 12:30 p.m.
Ballroom DEFG
7:00 a.m. – 11:30 a.m.
MARKET SHOWPLACE OPENS
Note: Breakfast served 7:00 a.m. - 9:00 a.m.
Ballroom DEFG
7:30 a.m. – 8:00 a.m.
OPENING CEREMONIES MUSIC
Ballroom ABC
8:00 a.m. – 9:30 a.m.
SPOUSES BREAKFAST hosted by Shirley Reeves
(requires advance registration)
Orchid Lawn
10:00 a.m. – 2:00 p.m.
SPOUSES PROGRAM – A Taste of Old Town Scottsdale
Walking Food and Cultural Tour
Departs from Ballroom Porte Cochere
8:00 a.m. – 11:35 a.m.
FIRST GENERAL SESSION
Presiding:
Ballroom ABC
Call to Order
Presentation of Colors
Presented by: Luke Airforce Base Honor Guard
National Anthem
Annual Meeting
Changing Demographics & How This Affects Your Business, Today
& Tomorrow
Kelly McDonald, President
McDonald Marketing
Presentation of Forrey/Gallman Award
Recipient: Jay M. Ford, President & CEO
Crest Savings Bank
Outgoing Chairman Remarks
9:35 a.m. – 10:05 a.m.
BREAK IN THE MARKET SHOWPLACE
Ballroom DEFG
Balance Sheet Management Strategies
Scott Hildenbrand, Principal
Sandler O'Neill + Partners, L.P.
Over the past few years banks have experienced a balance sheet mix shift as they have
had to change strategic plans to better suit the current interest rate environment. Key
issues include liquidity management and funding strategies, potential risk to Tangible
Common Equity Ratio/Tangible Book Value as rates rise, building a bridge to loan growth,
and M&A balance sheet implications. With continued uncertainty around the rate
environment, bankers should continue to engage in interest rate risk oversight to address
key strategic issues and ensure prudent management.
Cybersecurity: How to Prevent, Detect and Respond to the
Increasing Threat to Financial Institutions
Michael Barrack, Managing Director
Accume Partners
Attendees will learn: What the examiners are suggesting and expecting; Why legacy
solutions are not working; Trends on tactics, and attack vectors; What FI management
needs to know and do and What FI Boards need to know and do.
Understanding Today’s Non-Bank Competitors
Ben A. Plotkin, EVP/Vice Chairman
Keefe, Bruyette & Woods, A Stifel Company
This session will review financial technology firms, peer to peer lenders, BDC's and other
non-bank competitors. A focus will be the competitive implications for NJ community
banks. Should banks partner with, fight or buy the new era non-bank competitors?
11:35 a.m.
ADJOURNMENT
AFTERNOON AT LEISURE – OPTIONAL TOUR/ACTIVITIES
1:00 p.m. Shotgun Start
GOLF TOURNAMENT (requires advance registration)
The Phoenician Golf Course
(BBQ Lunch served at course 12:00 p.m. to 1:00 p.m.)
1:00 p.m. – 3:30 p.m.
ROUND ROBIN TENNIS TOURNAMENT
(boxed lunches will be served on courts at 12:15 p.m.)
1:00 p.m. – 5:00 p.m.
Hummer Tour in the Sonoran Desert
2:00 p.m. – 4:00 p.m.
COMMITTEE MEETINGS
6:30 p.m. – 7:30 p.m.
NETWORKING RECEPTION IN THE MARKET SHOWPLACE
Ballroom DEFG
9:30 p.m. – 11:30 p.m.
SPORTS BAR NIGHT
Wear your team favorites!
Chance to win various Game Day Tix!
Tennis Courts
Willow
FRIDAY, MAY 13
7:00 a.m. – 12:30 p.m.
Ballroom DEFG
7:00 a.m. – 12:00 p.m.
Note: Breakfast served 7:00 a.m. - 9:00 a.m.
EXHIBIT HALL CLOSES AT NOON
Ballroom DEFG
8:30 a.m. – 9:20 a.m.
CONCURRENT BREAKOUT SESSIONS A
(Choose 1 from 4)
What Makes Great Boards Great:
Best Practices in Board Governance and Director Succession
Eagle
Alan J. Kaplan, Founder & CEO
Kaplan Partners
This session will focus on the elements of superior board governance, with a specific focus
on:
 Trends in board structure and demographics.
 Best practices in director recruitment.
 What skills are in demand among bank board members today?
Managing Your Debit Card Portfolio in Today’s Changing
Market
Falcon
Patrick Goodwin, President
Strategic Resource Management
This presentation details the industry changes since the Durbin Amendment to the Dodd
Frank Act. Included is a discussion of the steps that a Financial Institution can take to
minimize the revenue loss from the industry changes and what can be done to maximize
interchange revenue.
“Fair Lending for Who? Recent Developments in ECOA, FHA, TILA,
RESPA and Other Consumer Protection Laws”
Estrella Theatre
John M. Geiringer, Partner
Barack Ferrazzano
Craig Steinfeld, Esq., Partner
Anthony Sylvester, Esq., Partner
Discussion of the existing “fair lending” laws and recent developments affecting
lenders. Discussion to include brief history and current status of Equal Credit Opportunity
Act (ECOA), Fair Housing Act (FHA), the recent TILA and RESPA Integrated Disclosures
(TRID) and other related laws and the role of the Consumer Financial Protection Bureau.
To Bid or Not to Bid: M&A Secrets and Essential Analytics
Cypress
Kamal Mustafa, Chairman, CEO and Founding Partner
Invictus Consulting Group
The community banking market is consolidating. M&A opportunities may be attractive for
even some banks that have never considered a deal in the past. Yet traditional bank
analytics – which are widely used in the industry -- cannot help banks determine their
appropriate strategic options. In this address, Invictus Chairman Kamal Mustafa, the
former head of global M&A at Citibank, reveals how new analytical techniques can
accurately pinpoint at what multiple an acquisition would be equal or better than organic
growth. He will show how new analytics also facilitate interactions with regulators, optimize
regulatory capital adequacy requirements and maximize M&A war chests. These new
tools can highlight which loan categories are giving a bank – or its target – the best returns,
and show bankers the ceiling price they should pay for an acquisition.
9:20 a.m. – 9:50 a.m.
Ballroom DEFG
9:50 a.m. – 10:40 a.m.
CONCURRENT BREAKOUT SESSIONS B
(Choose 1 from 4)
Branch Transformation: Talent, Technology, Buildings and Brand
Cypress
Matt L’Heureux, ‐ First Vice President, Product Management
COCC
The evolution of physical branches has compelled financial institutions to focus on
increasing customer engagement outside the branch. To that end, the digital banking
channels have evolved with capabilities that position them as the full-service virtual branch
– the branch with the largest footprint and greatest level of activity.
The branches are not going away and instead will continue to evolve. With little exception,
branches continue to experience a decline in the volume of transaction
activity. Recognizing that the quality of each branch experience is directly tied to the level
of skills and experiences of the banker, many institutions have formulated a strategy
involving the CRM-enabled universal banker.
Several solutions exist – not all of which are technology related - to enhance your brand,
improve the effectiveness of staffing, increase reach and service hours, and generally
improve the customer experience. Often discussed as the branch of the future, this is
instead a topic of the branch of today and optimizing this critical channel to enhance its
appeal and effectiveness.
This dialogue will focus on problems, opportunities, and how to meet their
demands. Critical to the content, attendees will leave with a branch solutions matrix aimed
at aligning various retail goals alongside the components and initiatives that can be
employed to achieve them.
CRA Session
Estrella Threatre
How to Leverage Financial Education in the 21st Century to Support
CRA Efforts"
Ryan Swift, Vice President/Business Development
EverFi
The constantly changing regulatory landscape has put increased pressure on banks to
provide meaningful financial education programs to their customers and
communities. Come learn about effective 21st century CRA strategies that will position
your bank as the trusted provider of financial education in the communities that you care
about while also building trust with next generation and millennial consumers.
Earning CRA Credit By Protecting the Elderly
Edward J. Gentry, Chairman, President and Chief Executive Officer
Senior Housing Crime Prevention Foundation, Inc.
The Senior Housing Crime Prevention Foundation serves as a way for banks to earn
CRA credit in the form of CRA-qualified loans, investments or grants through the
operation of the nationally-acclaimed crime prevention program - the Senior
Crimestopper’s program to protect low- and moderate-income individuals from theft,
abuse and neglect. Funded exclusively by the banking industry, our mission is to
provide safe and secure living environments for our nation’s senior housing residents,
HUD communities and Veterans homes in each participating bank’s assessment area.
Banks enjoy guaranteed CRA credit, installation of a turn-key program with no
overhead or administrative burden, positive public relations exposure in their
communities, recognition for providing many quality of life programs, and use of our
Preventing Elder Financial Abuse Video Toolkit.
Compensation Session
Current Trend & Regulatory Developments in Bank Owned Life
Insurance (BOLI)
Falcon
David R. Payne, Esq., Chief Operations Officer
Bank Financial Services Group
Employee benefit costs are rising, regulatory requirement for transparency continues to
increase every year. There are multiple avenues for a bank to pursue as they try to retain
and reward its executives and employees. An increasing choice for many banks is to
purchase bank owned life insurance as a hedge against rising costs and to incentivize
valued personnel to remain with the bank. We will take a look at the trends in the bank
owned life insurance market along with the increased regulatory disclosure requirements
and the myriad of ways banks are using the asset to their advantage.
Compensation Trends for Bank Executives and Board Members
Tom Ziemba, Senior Director
BDO USA
The session will review executive compensation and Director pay trends for community
banks. In addition, we will provide an overview of market practices relative to annual
incentive design, prevalence of long-term compensation programs, and deferred
compensation arrangements including SERPS and other deferred compensation
incentives.
Individual Liability for Bank Executives for Compliance Violations
Douglas Faucette, Esq., Partner
Locke Lord LLP
Eagle
The Presentation will address the developing trends and the outside factors that are
influencing them with respect to changing agency enforcement policies. The Presentation
will survey various policy actions by the FinCEN, the DOJ, the N.Y. Department of
Financial Services and the SEC in tightening enforcement guidelines to seek penalties
from executives personally rather than the bank. . The Presenter will address the
FinCEN’s Advisory regarding the “Culture of Compliance”, the U.S. Department of
Justice’s 2015 memo to all US attorneys regarding seeking individual accountability for
corporate wrongdoing and the recent proposed regulation by the N.Y. Department of
Financial Services to hold chief compliance officers criminally liable for false or incorrect
AML compliance certifications. The presentation will also touch on the SEC’s proposed
no-fault claw back rules for incentive compensation and the likelihood similar concepts
will be applied by the banking agencies to non SEC regulated companies.
10:40 a.m. – 11:10 a.m.
11:10 a.m. – 12:00 p.m.
CONCURRENT BREAKOUT SESSIONS C
Ballroom DEFG
(Choose 1 from 3)
Mergers & Acquisitions Panel
Robert C. Azarow, Esq., Partner
Arnold & Porter, LLP
John Gorman, Esq., Partner
Luse Gorman, PC.
Richard L. Quad, Co-Head, Financial Institutions
Griffin Financial Group LLC
Discussion on mergers and acquisition trends in New Jersey.
Estrella Theatre
Why Community Bank C-Level Executives Have to Embrace
Technology and Innovation as a Strategic Necessity to Retain
Customers and Attract Next Gen Customers
Eagle
Christian Ericson, Chief Marketing Officer
BITS, LLC
Community banks have always relied on superior customer service as one of their key
competitive advantages. However, technology is changing the way your current and future
customers prefer to bank. As the pace of technology continues to accelerate, your bank
is depending on executives to lead the pack! A strategic application of technology must
be a top-down approach that starts with a business requirement supported by a CEO’s
vison. Ingraining technology within your bank’s culture will form the foundation to embrace
the technology changes that enable you to retain your customer base and attract the next
generation of customers for whom technology is always present.
The presentation will review a few case studies of technology innovations that will enhance
your internal collaboration and productivity capabilities, resulting in improved customer
service and satisfaction.
With more than 10 years’ experience in communicating and selling disrupting technology
to hundreds of community banks, the presenter will also give recommendations how
executives should proactively overcome employee “fear of change”, the #1 internal
obstacle to technical innovation.
Mobile Payments: Strategically important and properly governed
Falcon
William Nowik, CISA, CISSP, QSA, PCIP
Senior IT Assurance Manager
Wolf & Company, P.C.
As financial services become more and more competitive, it is essential to offer consumers
the services and access they want. In today’s world, that means the use of mobile payment
systems. Malware and Hackers are constantly targeting individual consumers, and by
properly implementing mobile payment governance you protect the customer and
minimize the threat of financial loss to the institution.
This session will:
 Discuss the current mobile payment environment, opportunities, and challenges
 Review the different providers and the technology platforms
 Share the key components involved in proper risk governance and what security
controls are required for implementation and ongoing monitoring.
AFTERNOON AT LEISURE – OPTIONAL TOUR
12:30 p.m. – 4:30 p.m.
WINE TASTING WITH LUNCH AT ARCADIA FARMS
Transportation: Departs from Ballroom Porte Cochere
2:00 p.m. – 4:00 p.m.
COMMITTEE MEETINGS
6:00 p.m. – 7:00 p.m.
NETWORKING RECEPTION
9:30 p.m. – 11:30 p.m.
Willow
Phoenician Patio
SATURDAY, MAY 14
7:00 a.m. – 1:30 p.m.
REGISTRATION / INFORMATION DESK
7:00 a.m. – 9:00 a.m.
BREAKFAST
8:00 a.m. – 12:10 p.m.
SECOND GENERAL SESSION
Ballroom D
Ballroom ABC
Presiding:
It’s the End of the World as We Know It: Five Technology Game
Changers You Need to Know Now
Virginia Heyburn, Vice President, Insights and Advocacy
Fiserv, Inc.
Today’s customer is hyper-connected and highly informed in an intense life rhythm. A
brewing threat to traditional financial institutions is putting banking revenue at significant
risk of disruption. Entrepreneurial technology companies that put simple design principles
at the heart of their delivery strategies are solving banking problems in payments, lending,
money transfers, and deposits. Banks that peg digital banking as a service model instead
of the business model it really is are running the risk of getting saddled with low-margin
accounts. A new information revolution is underway – the Internet of Things – that is
creating unparalleled opportunities for traditional banks. With powerful new competitors
inspiring innovation, banks can seize the advantage of sitting at the epicenter of financial
relationships. Creating distinction that is characterized by speed, ease and convenience,
banks will use technology to build loyalty, deepen relationships, and grow the banking and
payments franchise. This session will explore five emerging technologies that will change
the face of banking and payments in a digital world and offer strategies for banks to deliver
services customers really want.
A View from Washington
Rob Nichols, President
American Bankers
Economic Update
Gary Wagner, Ph. D., Regional Economic Advisor
Federal Reserve Bank of Philadelphia
9:45 a.m. – 10:00 a.m.
BREAK



President’s Report
Service Awards Presentation
Community Service Awards Presentation
John E. McWeeney, Jr., President and CEO
 Installation of 2016-2017 Officers
Chairwoman
Angela Snyder, Chairwoman and CEO
First Vice Chairman
James S. Vaccaro, President and CEO
Manasquan Savings Bank
Second Vice Chairman
William Moss, President and CEO
Two River Community Bank
Chairwoman Remarks
Angela Snyder, Chairwoman and CEO
KEYNOTE:
"Politics NOW"
Stuart Rothenberg
Editor and Publisher of The Rothenberg Political Report
Columnist for Roll Call
Political Analyst, Election Forecaster
12:10 p.m.
ADJOURNMENT
AFTERNOON AT LEISURE – OPTIONAL TOUR
12:45 p.m. –
4:45 p.m.
DESERT BOTANICAL GARDENS & HEARD MUSEUM TOUR
WITH PICNIC LUNCH
2:00 p.m. –
4:00 p.m.
6:00 p.m. – 9:00 p.m.
COMMITTEE MEETINGS
Carnival Night
casual attire is recommended
Willow
Jokake Historic Inn
SUNDAY, MAY 15
MAIN DEPARTURE
COMING SOON CONVENTION APP!

- New Jersey Bankers Association

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