Wyoming Bankers Association

Presents

2019 WBA Lenders

Conference (Combining the Credit Conference and the Consumer/Retail

Banking Conference)

September 18-19, 2019

(Wednesday-Thursday)

Best Western Sheridan Center 612 North Main Street, Sheridan, WY

Wednesday, September 18, 2019

7:30 a.m. Registration & Continental Breakfast – Snow Goose/Overland Rooms

8:00 a.m. Welcome Remarks

WBA Committee Chairmen: Consumer Credit/Karen Christensen, Wyoming Community Bank, Riverton, and Credit Committee/Matthew Kukowski, Platte Velley Bank, Wheatland WBA President, Rod Jensen, President, Bank of Star Valley, Afton (Invited)

8:10 - 9:30 a.m. “The Current State Of Lending” Every bank has a loan approval process along with a loan or credit committee. But as competition to provide

consumer, commercial real estate and small business loans accelerates, community banks need to make sure that sound lending policies are in place. This session will provide commentary and analysis on national and regional economic trends.

Didi Frohardt, Senior Business Process Architect—Banker Hill

9:30 - 10:30 a.m. “Commercial Property Valuation Issues and Challenges for the Commercial Banker”

Communication between Appraiser and Banker.

Know the details behind the RFP.

When does a commercial valuation make sense?

A commercial appraisals role in aiding the clients lending making decisions.

Different property types—how to make sense of valuations.

Mark Isakson, Owner, Carter-Isakson Appraisals—Sheridan, WY Kristen King, SRA and AI-RRS, Carter-Isakson Appraisals—Sheridan, WY

10:30 - 10:45 a.m. Refreshment Break with Exhibitors – Exhibit Area

10:45 - 12:00 noon “Triggering the Next Downturn” As weaker global growth and trade wars are buffeting the U.S. economy the risk of a slowdown is growing. With the Fed having hiked nine times a recession may be a fait accompli. Corporate debt may be the next bubble to burst. Interest rates have nowhere to do but down.

Dimitri Delis, Managing Director, Piper Jaffray—Chicago, IL

12:00 noon Lunch with time to visit the Exhibitors – Overland and Blackstone Room

1:30 - 3:30 p.m. “Using Social Media and Online Tools to Build Your Brand, Grow Relationships, and Serve More Customers as a Lending Professional” It's no secret that people will often times chose to do business with you because they know, like and trust you. You want to be viewed as their banker, not just someone that works at the bank - you need to be a valuable resource and confidant they can count on when they have questions (or need a banking service). That means you need to think carefully about how you're positioning yourself on sites like LinkedIn, Facebook, Insta- gram, Twitter and any other place online where your customers (or prospects) are spending their time.

As the owner of LinkedIn, Microsoft is integrating member data into their Office platforms such as Out- look.com, Office 365 and others. Facebook is building an empire of social engagement and conversation options. So many things to think about, so where should you start? This session will reveal several strategies you can “take to the bank” and help ensure you’re getting the most out of your time on online building your personal brand there if (or when) you're needed. You’ll come away with tangible ideas you can implement immediately to increase your lending success.

Eric Cook, MBA Digital Strategist, WSI—Battle Creek MI

3:30 - 3:45 p.m. Refreshment Break with Exhibitors – Exhibit Area

3:45 - 4:30 p.m. “Current Criminal Topics in Banking” Overview of FBI and Criminal Conduct Impacting Banks and Banking.

Taylor Reed, Special Agent, FBI—Casper WY

4:45 - 6:45 p.m. Brewery Visit: Black Tooth and Smith Alley For something different than the usual cocktail reception at the hotel, we have organized a visit of the Black Tooth and Smith Alley Breweries in Sheridan. Everyone will receive two drink tickets to redeem. Trolley transportation will be provided from the Sheridan Center to the Breweries and back to the hotel.

Dinner on your own

Thursday, September 19, 2019

7:00 - 8:00 a.m. Breakfast Buffet – Overland and Blackstone Room

8:00 - 9:30 a.m. “The Amazon Prime Effect” - Snow Goose/Overland Rooms Subscription services are quickly becoming the dominate strategy of today’s best retailers and have caused a monumental shift in the way people buy. More than 50% of all American households now subscribe to Amazon Prime, and more than 200 million people subscribe to this and other retail services such as Netflix, Spotify, Dollar Shave Club, Costco and AAA. Bank and credit union marketers have a duty to understand these trends and drive their financial institution beyond just transactions to connect better with the lifestyles of today’s modern consumers.

How fee-based services like Amazon Prime, Dollar Shave Club and Netflix are rewiring the brains of today’s customers.

Communication strategies and mobile app demonstrations of innovative ways they’re engaging customers and becoming more and more valuable to their subscribers.

Man on the street consumer research videos, featuring real customers describing their feelings about banking fees.

Dave DeFazio, Partner, Strategy Corps—Brentwood, TN

9:30 - 11:15 a.m. “Brain Body System and High Performance” There is indisputable science correlating physiological health and workplace performance and yet we continue to see declines in employee wellness and little to no improvement in employee engagement. In addition, we are seeing increases in burnout amongst executives and professionals as well as growing disengagement with mid level managers. This is all happening while many of our most well intended efforts to improve workplace culture and staff performance are falling short. Come learn about approaches and methods that are reversing these negative trends and revealing important discoveries for organizational leaders and their employees.

Discover the correlation between physical wellness and brain performance.

Understand the primary drivers of the brain body system.

Learn about the role of mindset and how it can be changed.

Understand the basic preferences of the brain and how they impact our performance.

Discover the personal choices we make that directly increase our own effectiveness.

Carlos Arce, Consultant and Facilitator, Elation—Billings, MT

a.m. Refreshment Break with Exhibitors – Exhibit Area

11:15 - 12:00 noon “Specialized equipment, facade improvements, Opportunity Zones, and SBA/ USDA guarantees...the Wyoming Business Council can work with all these things to help further and diversify Wyoming's economy."

Participation Programs (i.e. Main Street, Bridge Loan, Guaranteed Loan Participation, other loan pro-grams).

Diversification, Strategy, etc. at the Wyoming Business Council and ENDOW's vision/involvement.

Opportunity Zones - how they were chosen? What should communities be doing? What is the State doing?

Involving SBA/USDA and Wyoming Business Council. How does that work and what's the bank's exposure in this?

Josh Keefe, Economic Development Finance Manager ,WY Business Council—Cheyenne, WY

12:00 Noon Adjourn

Credit Conference Chairman: Consumer Credit Conference Chairman:

2019 Conference Sponsors:

GOLD SPONSORS: -Bankers’ Bank of the West - Denver -Central States of Omaha - Omaha

-Federal Home Loan Bank of Des Moines - Seattle

-Golden Eagle Insurance - Johnstown

SILVER SPONSORS:

-Fortner, Bayens, Levkulich, & Garrison, P.C. - Denver

-First American Title Insurance Company - Casper

-Wyoming Auto Dealers Association - Cheyenne

2019 Conference Exhibitors: -EDR, Inc. 6 Armstrong Road, 4th Floor Matt Ciammella, mciammella@edrnet.com 800/352-0050 Shelton, CT 06484

-Golden Eagle Insurance, Johnstown OH 9145 Miller Road 800-461-9224, X3415 Johnstown, OH 43031 Bill Jones, bill.jones@goldeneagle-insurance.com

-U.S. Small Business Administration 150 East B Street, Room 1011 Steve Immel, steve.immel@sba.gov 307/247-3191 Casper, WY 82601 Brad Mix, brad.mix@sba.gov

-USDA Rural Development P.O. Box 11005 Jessica Taylor, jessica.taylor@usda.gov 307/233-6706 Casper, WY 82601 William Cownover, william.cownover@usda.gov

-WIDC Frontier CDC 725 East 2nd St., Ste. 100 Mary Doherty, mdoherty@widcfrontier.com 307/234-5351 Casper, WY 82601 Sandri Materi, materi@widcfrontier.com

-Wolters Kluwer Financial Services 888/572-8522 6815 Saukview Dr. Randy Wattermann, randy.wattermann@wolterskluwer.com St. Cloud, MN 56303

-Wyoming Business Council 214 West 15th Street Josh Keefe, josh.keefe@wyo.gov 307/777-2882 Cheyenne, WY 82002

-Wyoming Small Business Development Center Network 111 South Day Bruce Morse, bmorse1@uwyo.edu 307/754-2139 Powell, WY 82435 Susan Jerke, sjerke@uwyo.edu

-Wyoming Smart Capital Network 2435 King Blvd., Suite #134 Mark Huston, mhuston@dcnteam.com 307/315-8832 Casper, WY 82604 Kendall Hutchinson, khutchinson@dcnteam.com

-Wyoming Women’s Business Center P.O. Box 764 Waldo Smith, wsmith34@uwyo.edu 307/460-3943 Laramie, WY 82073

AREA BANK SPONSORS:

-Banks of Buffalo, Gillette & Sheridan

-First Federal Bank & Trust -Sheridan

-First Interstate Bank - Sheridan

-First Northern Bank - Sheridan

-Security State Bank - Sheridan

-U.S. Bank - Sheridan

-Wells Fargo Bank, N.A. - Sheridan

Speaker Bios

Didi Frohardt is Senior Business Process Architect for Baker Hill, where she assists with new product sales and software implementations by sharing industry and product knowledge with current and prospective clients. Frohardt is also responsible for providing strategic and tactical recommendations, along with configuration assistance to further clients’ success. With more than 26 years of experience in the banking industry, Frohardt leads on-site meet-ings with external clients, offering guidance on best practices, such as workflow and process

improvements. She also develops and leads training sessions for both internal and external clients. Addi-tionally, Frohardt regularly presents at various top-tier industry conferences and Baker Hill client meet-ings, as well as contributes thought-leadership articles for Baker Hill’s newsletter. Before her current role, Frohardt served as the Solutions Architect for Baker Hill’s Client Advisor solution and as a project man-ager for multiple software implementations. She also previously instructed Baker Hill's Risk Manage-ment Association certification program. Prior to joining Baker Hill, Frohardt served as a loan administra-tion manager for Bank One Colorado and Denver National Bank.

Mark J. Isakson is a Certified General Appraiser and qualified to appraise single fami-ly residences, multi-family, condominium property, farm/ranch, undeveloped land, commercial/industrial property and others. Mark is owner of Carter-Isakson Apprais-als and holds professional designation of a CPA Certificate, Wyoming and Colorado State Certified General Appraiser Certificates. Mark has a B.S. in Accounting and Finance from the University of Arizona, Tucson AZ.

Dimitri Delis Ph.D, is a Managing Director in the Piper Jaffray Strategic Analytics Group (SAG) in the Fixed Income Department. He is responsible for evaluating eco-nomic trends, analyzing current economic issues, developing econometric models and making economic presentations to clients. Prior to joining the group in 2005, Delis served as the cross-sector strategist for JP Morgan. Prior to the JP Morgan-Bank One merger, he was the derivatives strategist for Bank One. Dimitri’s experience includes market risk management for ABN AMRO where he was responsible for identifying and

monitoring all market risk-taking activities for the derivatives and FX trading desks and bond model-ing for Solomon Brothers’ proprietary portfolio tools. Dimitri Delis holds a Ph.D. in nuclear physics from the University of California at Berkeley and a bachelor’s degree in chemistry and mathematics from the University of Chicago. He completed his Master of Business Administration degree at North-western University’s Kellogg School of Management in 2006. He is a registered representative with the Financial Industry Regulatory Authority (FINRA).

Eric Cook considers himself a “recovering banker” of 15 years, who for the past eleven years has focused his efforts as a digital strategist, helping his clients (mostly community banks) better understand and leverage the power of the Inter-net as a strategic business tool. An award-winning web designer with WSI, the world’s largest digital agency network, Eric is a two-time contributing author to the best-selling book Digital Minds – 12 Things Every Business Needs to Know About Digital Marketing. Consistently rated in the top five digital marketing books on Amazon, the book is in its second edition and available in three languages. A sought-after, nationally-recognized speaker in the financial services industry, Eric is a member of the National Speakers Association and loves sharing his knowledge to help educate and inspire others. He is the co-creator of a weekly webi-nar show called Free Webinar Wednesdays, founder of the Banker Education Series webinar series, and serves as a faculty member at several banking schools around the country where he teaches bank-ers about digital strategy, online marketing and social media. He is a WSI Certified LinkedIn Profes-

Speaker Bios Continued

Eric Cook Continued...Professionally, Eric helps his clients in all areas of digital marketing, which includes mobile-responsive web development, search engine marketing and optimization, social media strategies, e-mail communication, and “big-picture” digital strategic planning. He’s the co-founder of DigitalRCP.com, a service created to help businesses understand their risk when it comes to operating in today’s digital world. When he’s not helping his clients succeed online, he can typically be found on one of his many bicycles train-ing for his next mountain bike/triathlon race or spending time with his wife and two (very spoiled) golden retrievers. You can learn more about Eric and his business online at www.PoweredByWSI.com

Taylor Reed was born and raised in Sheridan, Wyoming. Taylor attended the University of Wyoming and received his bachelor’s and law degrees. After law school, Taylor practiced law and worked in the private sector in Wyoming in Fremont, Sheridan, and Johnson Counties for 11 years before joining the FBI in 2008. He spent his first six years in the FBI in Tampa, Florida before transferring home to Wyoming in 2014. Taylor works in the Casper FBI office where their territory extends to eight Wyoming counties with investigative responsibilities across all FBI programs.

Dave De Fazio is a partner at StrategyCorps and works with bank clients to design, build and implement a variety of checking, marketing and training programs. His extensive fi-nancial services experience and continuous research in the field ensures each product and service meets the needs of today's retail bankers. As partner, he develops consumer sites and mobile apps that deliver value to bank customers as well as analysis tools that allow clients to have a deeper understanding of customer relationships and product profitability. He has spoken at conferences nationwide about insight and research on innovations in financial technology, retail banking and other tactics of today's best retailer marketers. Dave received his B.A. in Economics and Mathematics from Ohio Wesleyan University.

Carlos Arce is the company leader of Customer Experience at Elation – a company using neuroscience and mindset research to improve individual and organizational performance. With over 20 years of expertise in leadership and workforce development, Carlos has helped teams and companies achieve outstanding business results by improving the effectiveness of leaders, organizational culture and employee engagement. Carlos has repeatedly guided and led organizational change and improvement efforts. He has helped companies in a wide ar-ray of industries including banking, telecom, energy and government. He previously served as the Chief Learning Officer of a nationally recognized healthcare organization in areas of service, leadership, and quality. He is a senior-level learning strategist who understands the drivers and ob-stacles that create both a thriving business and healthy employee culture. His application of innovative and engaging learning methods has helped transform and improve a variety of organizational operations includ-ing: executive team effectiveness, multi-disciplinary collaboration, and hiring and onboarding. Most recently, he has combined his expertise from healthcare with applied neuroscience and mindset research to offer busi-ness leaders innovative approaches to address problems such as professional burnout and employee disen-gagement. Carlos has delivered over 100 engaging presentations and keynote addresses regarding leadership effectiveness and organizational performance. He holds a Bachelor of Science Degree from Santa Clara Uni-versity, a Masters in Education from the UCLA and is a former NCAA Head Coach.

Josh Keefe graduated from the University of Wyoming with degrees in both Accounting and Finance and received his MBA from Regis University. He was a community banker for 9 years doing both commercial and consumer banking. He is currently the Economic Development Finance Manager at the Wyoming Business Council, where he helps start and expand business-es through grants and loans, deals with bonds, tax credits, brownfield projects, community de-velopment, and other financial programs the State has to offer. Josh lives in Cheyenne, has a

wife of 10 years, two kids, and a couple businesses. He enjoys volunteering on the State FBLA, Frontier WIDC/CDC, and Wyoming Housing Network Board of Directors.