2017 ANNUAL SUMMITMAY 16-17, 2017

GRAND HYATT HOTEL DENVER, CO

2017 ANNUAL SUMMIT SPONSORSWe thank and recognize the following companies for their generous contribution to our program.

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2017 ANNUAL SUMMIT SPONSORS

Thank you for joining us for the 2017 Annual Summit of the Colorado Bankers Association. Over the next day and a half, you will gather information and insight to forge into the future stronger and better equipped to lead your banks and your industry.

Each of our presenters is a respected expert in his or her field and will share with you a wealth of information on topics ranging from regulations, emerging risks in bank litigation and agricultural conditions to what bankers can expect related to the state’s housing market, construction litigation reform and the seemingly ever-present issue of providing financial serivces to the marijuana industry.

In addition, we invite you to enjoy the irreplaceable networking opportunities with your peers, public officials and top banking vendors from across the country. Your attendance at this event demonstrates your commitment to your industry and to your community. Thank you for your continued support. We are glad to be going stronger than ever as your advocate on this 125th anniversary of our founding.

Best regards,

Don Childears//President and CEO //Colorado Bankers Association

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ANNUALSUMMIT

COLORADO BANKERS ASSOCIATION

MAY 16-17, 2017GRAND HYATT HOTEL, DENVER, CO

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STAND APART SCALE SMART GROW BEYOND

BACK OFFICE SIMPLICITY

ANALYTICS

SECURITY AND COMPLIANCE

MOBILE

2016 CBA LEADERSHIP

May 16

8:35-8:45 a.m. A Chair with a view David Kelly, Chief Risk Officer, FirstBank, CBA Chairman

8:45-9:30 a.m. Politics: What’s the new Trump card? Steve House, former Colorado GOP chairman Angela Williams, Colorado State Senator Moderator: Jenifer Waller, COO, Colorado Bankers Association

9:30-9:40 a.m. Break

9:40-9:45 a.m. CBA’s new video: Fix Dodd-Frank today!

9:45-10:30 a.m. The 2017 Reg relief opportunity: An interview of ABA’s Vice Chairman, Jeffrey M. Szyperski Joanne Sherwood, Division President, Citywide Banks

10:30-10:45 a.m. Break

10:45-11:30 a.m. Emerging risk areas in bank litigation Kristin S. Godfrey, Esq. Jones & Keller, Marc J. Musyl, Shareholder, Greenberg Traurig, LLP Jack Tanner, Attorney, Fairfield and Woods

11:30-12:00 p.m. State of banking in Colorado Colorado State Bank Commissioner Chris Myklebust 12:00 -1:00 p.m. CBA Advocate of the Year Award presented Presentations from Platinum sponsors Lunch

AGENDA - CBA’S ANNUAL SUMMIT

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1:00-1:45 p.m. Marijuana and banking: Up in smoke? Zane Gilmer, Partner, Stinson Leonard Street LLC Richie Thorne, Managing Examiner, FRB of Kansas City, Denver branch Mark Haden, Colorado National Bank Chris Myklebust, Colorado State Bank Commissioner

1:45-2:00 p.m. Break

2:00-2:30 p.m. Colorado agricultural conditions Chad Vorthmann, Executive Vice President, Colorado Farm Bureau

2:30-3:00 p.m. Sage advice from past chairs: Suggested actions for Colorado bankers Koger Propst, CEO, ANB Bank Dave Baker, Board of Directors, FirstBank Moderator: Don Childears, President and CEO, CBA

3:00-3:15 p.m. Break

3:15-4:00 p.m. Seeing a better world Taner Kodanaz, Senior Director, DigitalGlobe

4:00-4:45 p.m. The Mystery is us Dr. Steve Nash, Curator and Chair, Department of Anthropology Denver Museum of Nature & Science

4:45-6:00 p.m. Chairmen’s reception

AGENDA - CBA’S ANNUAL SUMMIT

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AGENDA - CBA’S ANNUAL SUMMIT

May 17

8:30-9:15 a.m. Political bottom line: Predicted outcome for bankers’ top 12 federal government relations issues Don Childears, President and CEO, Colorado Bankers Association

9:15-10:00 a.m. How construction litigation is impacting our state Heidi Williams, Mayor of Thornton Herb Atchison, Mayor of Westminster Mike Kopp, President and CEO, Colorado Concern

10:00-10:15 a.m. Break

10:15-11:00 a.m. Housing forecast for Colorado John Covert, President, Metrostudy

11:00-11:45 a.m. How to build a successful and practical community bank M&A strategy - while avoiding the mistakes of your peers Kamal Mustafa, Chairman, The Invictus Consulting Group, LLC

11:45-12:15 p.m. How local control is impacting the business community Josh Penry, Principal, EIS

12:30-1:30 p.m. Annual membership luncheon – all attendees welcome

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CENTER FOR BANK ADVOCACY

Interested in how government legislation and regulation impacts our industry?

Contact Mike Bintner at mike@coloradobankers.org.

Just as “relationship banking” is important to your bank’s success, building solid and lasting interactions with public officials is critical and these relationships are essential to our industry’s viability. We need to build these relationships now. CBA’s Center for Bank Advocacy immerses participants in a selective leadership experience, and the duration of the program is overseen by CBA’s highly accomplished advocacy professionals. The course culminates with participants learning by doing—with the creation and presentation of an Action Plan on a topic relevant to his or her bank and traveling to Washington D.C. And upon completion, participants will join the highly enthusiastic alumni in a continuing advocacy of your bank, the banking industry, and their future.

“”

The Center for Bank Advocacy reopened my eyes to advocacy and provided me tools I could immediately implement with colleagues and clients. Furthermore, the program provided knowledge to execute conversations with public officials and firsthand utilize the advocacy skills obtained in the program with Colorado lawmakers in Washington D.C. Jennifer Luce Executive Vice President, FirstBank

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MAYOR HERB ATCHISONHerb Atchison was elected Westminster Mayor in November 2013. He was first elected to City Council in 1997 and served two terms. Herb serves on the Board of Directors for the Westminster Legacy Foundation and as Vice-Chairman for the Denver Regional Council of Governments (DRCOG).

MR. DAVE BAKER Dave Baker recently retired after 35 years at FirstBank. Baker was elected Executive Vice President of FirstBank Holding Company in 1999 and then COO in 2005. He was named President of FirstBank in 2010. He continues to serve on the bank’s board of directors. He is a former CBA chairman.

MR. DON CHILDEARSPresident/CEO of the Colorado Bankers Association, Don Childears has served CBA since 1975, preceded by legislative and campaign work for a Congressman. He completed his Juris Doctor from University of Denver College of Law, and BSBA from Colorado State University, where he was student body president. He has chaired numerous national efforts for banking.

MR. ZANE GILMERZane Gilmer is a partnter with Stinson Leonard Street. His practice focuses on business litigation, white collar crime and investigation, and regulatory compliance. He regularly represents clients in state and federal courts and arbitration forums across the country. He represents clients ranging from smallregional businesses and individuals to large Fortune 100 companies. Gilmer is also a regular author and speaker on emerging litigation and compliance trends.

MS. KRISTIN GODFREY Kristin Godfrey is a shareholder of Jones & Keller PC and regularly represents financial institutions with regard to regulatory matters, credit transactions and loan workouts and strategies. She also frequently provides counsel to directors and senior management regarding bank operations, policies and procedures. Godfrey and the firm have represented several financial institutions in mergers and acquisitions and private equity transactions.

MR. JOHN COVERTJohn Covert, Director of Metrostudy’s Colorado-New Mexico Region, has been researching and analyzing housing markets since 1999. He is responsible for all operations there including surveying, consulting and managing local client relationships. Prior to joining Metrostudy, Covert was the research manager for the Denver and Salt Lake offices of The Meyers Group.

SPEAKER BIOS

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MR. MARK HADEN Mark Haden is Vice President at Colorado National Bank, focusing on cross-organizational planning and operations. Prior to CNB, Mr. Haden was a principal at a family office, working primarily on unique investment opportunities and real estate transactions.

SPEAKER BIOS

MR. STEVE HOUSESteve House was elected chairman of the Colorado Republican Committee for two years in March 2015, and brought more than 30 years of business experience to the state Party. Steve has worked as an engineer, service manager, a sales leader and has held a variety of executive leadership roles in the healthcare industry.

MR. DAVID KELLYDavid Kelly is the Chief Risk Officer for FirstBank Holding Company. His responsibilities include the development, implementation, and ongoing management of all enterprise risk management processes for the company. Kelly has over 23 years of experience in the financial services industry at FirstBank, with more than 20 years of experience in compliance and risk management.

MR. TANER KODANAZTaner Kodanaz is Senior Director, Industry Leadership Champion at DigitalGlobe. He is a recognized thought leader who is responsible for driving awareness and advocacy for DigitalGlobe’s industry leading solutions. Since joining DigitalGlobe in 2013, Kodanaz has also worked with global development organizations to catalyze and implement strategies for humanitarian and environmental initiatives.

MR. MIKE KOPPMike Kopp is the President and CEO of Colorado Concern. Kopp’s career began as a paratrooper in the 82nd Airborne Division. After his undergraduate work he spent several years in executive leadership positions in ministry and nonprofit work. For nearly a decade he provided organizational development consulting services around the US before being elected to the Colorado State Senate. He served as Caucus Chairman and Senate Minority Leader.

MR. KAMAL MUSTAFA With a banking career spanning more than 40 years, Kamal Mustafa is a major thought leader in the banking and finance industries. As the former head of global M&A for Citibank and now armed with the Invictus Group’s risk analytics, he is uniquely qualified to give strategic insights to the community bank market. He founded Invictus in 2008, and serves as chairman and CEO.

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MR. MARK J. MUSYL Marc J. Musyl, a shareholder with Greenberg Traurig, LLP has extensive experience representing public and private business clients in mergers and acquisitions, dispositions, leveraged buyouts, tender offers, capital markets and securites matters, licensing and corporate governance and compliance. He has a broad range of industry experience including financial services. In addition, Marc chairs the firm’s Unclaimed Property Practice Group.

COMMISSIONER CHRIS R. MYKLEBUST Mr. Myklebust was appointed as the State Bank Commissioner on July 8, 2015. As the State Bank Commissioner, he is responsible for all examination and enforcement functions of the Division of Banking. Before this appointment he served as the state’s Commissioner of Financial Services since April, 2006.

SPEAKER BIOS

MR. JOSH PENRY Josh Penry is a Principal at EIS Solutions, one of the fastest growing corporate affairs, campaign, and government relations firms in the West. A native of Grand Junction, Penry served in Colorado General Assembly for 6 years – first in the state house and then in the Colorado Senate, where Penry was elected Minority Leader of the Senate. Since joining EIS in 2010, Penry has run a number of candidate and initiative races. Penry is the father of four, is married and lives in Greenwood Village.

MR. KOGER PROPSTAs CEO of ANB Bank and Sturm Financial, Koger Propst, a Colorado native, brings more than 30 years of experience in community banks. Propst began his banking career while still in college. He went on to serve in various branch and market leadership roles with FirstBank in Silverthorne, Fort Collins and Breckenridge. Before joining ANB, he was president of the FirstBank’s largest regional market in Lakewood. He is a former CBA chairman.

DR. STEVE NASHSteve Nash is Curator of Archaeology and Chair of the Department of Anthropology at the Denver Museum of Nature & Science, where he has worked for nearly 11 years. He has written and edited seven books on topics ranging from the history of museums to tree-ring dating. He has conducted archaeological research all over the world, including at Neanderthal sites in France and at Mesa Verde National Park here in Colorado. He also publishes the Curiosities blog at SAPIENS.org.

MS. JOANNE SHERWOODJoanne Sherwood is Division President for Citywide Banks in Denver. She joined the bank in 2000. Prior to her work with Citywide, she was a vice president for Mega Bank. She began her career in 1987 at Western Bank, where she earned the rank of First Vice President. She emphasizes on business management, real estate financing and construction lending.

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MR. JEFFREY M. SZYPERSKI Jeffrey Szyperski is vice-chairman of the American Bankers Association. He is Chairman, President & CEO and a member of the Boards of Directors of Chesapeake Financial Shares, Inc. and Chesapeake Bank. He is Chairman & CEO and a member of the Board of Directors of Chesapeake Wealth Management and a former Senior Manager for KPMG Peat Marwick in Raleigh, North Carolina. He is Graduate of the University of North Carolina at Chapel Hill as well as of the Banking School at LSU.

MR. JACK TANNER Mr. Tanner has practiced with the Denver, Colorado full-service business law firm of Fairfield and Woods since 1987. After graduating from Duke Law School (with honors) in 1986 and prior to joining Fairfield and Woods, he served as law clerk to Justice (later Chief Justice) Luis Rovira of the Colorado Supreme Court. Mr. Tanner graduated from Rice University in 1983.

MR. RICHIE THORNERichie Thorne is assistant vice president of the Denver Examinations and Inspections Department for the Federal Reserve Bank of Kansas City, overseeing state member banks, bank holding companies, and savings and loan companies for organizations located in Colorado, Wyoming and New Mexico. He joined the Bank in 1999 as an examiner and held various positions before being promoted to manager in 2007. He was appointed to his current position in 2012.

SPEAKER BIOS

MR. CHAD VORTHMANN Chad Vorthmann was born and raised on a fourth generation row crop and cattle farm in southwest Iowa. He attended the University of Nebraska, before working as a beef nutrition specialist. Two years later, he joined the staff of the Nebraska Cattlemen’s Beef Association. Vorthmann went back to the state level, joining Colorado Farm Bureau in 2002 as the Director of Communications. He was promoted to Vice President of Organization in 2007 and Executive Vice President in 2012.

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SENATOR ANGELA WILLIAMS Senator Angela Williams represents Senate District 33. Williams serves on the Senate Business, Labor, and Technology Committee as well as the Joint Technology Committee. She was recently elected Chair of the Colorado Black Democratic Legislative Caucus. Prior to beginning her first term as State Senator in 2017, she represented House District 7 in the Colorado House of Representatives for six years, where she chaired the House Business Committee.

MAYOR HEIDI WILLIAMS Heidi Williams is Mayor of Thornton. She has lived in the North Metro area since 1989 and has been a resident of Thornton since 2006. Williams owned a retail business in Thornton from 2004-2012. In addition to working in and owning a small business, she has served on many boards. Williams recently graduated in May 2017 with a BS in Political Science and is continuing to work towards a Master’s Degree in Public Administration.

CBA STAFF: WORKING FOR YOU

Don Childears Jenifer Waller Amanda Averch

President and CEO COO and SVP Communications Director

Mike Bintner Brandon Knudtson Lindsay Muniz

Education Director Membership Director Executive Assistant

CBA: WHAT WE DO

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• Goal: Create economic opportunities for Coloradans to thrive by providing a sound and competitive banking environment.

 • Mission: Provide economic opportunities for Coloradans through a sound and competitive banking environment by advocating public policy consistent with that, and enhancing banking’s skills, image and unity.

• Motto: Helping Coloradans realize dreams and making a stronger economy by building better banks.

2017 CBA LEADERSHIP

We thank and recognize the following individuals for their service over the last year.

CHAIRMANMr. David KellyChief Risk Officer FirstBank Holding Company

CHAIRMAN-ELECTMr. Mark DriscollColorado Market PresidentFirst National Bank

TREASURERMr. Bob OstertagExecutive Vice President and CCOColorado Business Bank

BOARD MEMBERSChad Adams, Adams Bank and TrustJim Basey, Centennial BankJonathan Fox, Fowler State BankMark Hall, Vectra BankTim Laney, National Bank Holdings Co.Brian Larson, FirstBankTodd Munson, JPMorgan Chase BankMichael Noesen, Guaranty BankFrank Newman, Wells Fargo BankShawn Osthoff, Bank of ColoradoJodi Rolland, Bank of America/Merrill LynchHassan Salem, US BankJoanne Sherwood, Citywide BanksBill Sullivan, Colorado State Bank and TrustTom Tulodzieski, KeyBank

Michael Wamsganz, Bank of the WestMargo Young-Gardey, Alpine BankBrendan Zahl, Peoples Bank

STAFF LEADERSHIPDon Childears, CBA, President/CEOJenifer Waller, CBA, COO and Senior Vice President

ADVISORY MEMBERS Mark Abell, National Bank Holdings Co.Bill Mitchell, Banker’s Bank of the WestJohn Montoya, ANB Bank

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2017 ATTENDEES

Adams, Chad Adams Bank & TrustAndersen, Linda AscensusAtchison, Herb Mayor of WestminsterAurich, Stacy Bank of the WestAverch, Amanda Colorado Bankers Association Baker, Dave FirstBankBehm-Meyer, Jeremy FirstBankBehrman, Ryan Stinson Leonard Street, LLPBergfeld, Alan NEWGROUNDBintner, Mike Colorado Bankers Association Biondo, Alexi PNC BankBorden, Tim Yampa Valley BankBorger, Tanner Commerce Street CapitalBotts, McKenna FirstBankBratten, Richard Bank Financial Services Group (BFS)Brown, Michael Alpine BankBrown, Wes FirstBankBunch, Josie Graduate School of Banking at COCallas, George Invictus Group, LLCCarlson, Stephanie SPCChildears, Don Colorado Bankers Association Chisholm, Mbiyu Bank of the WestClark, Barkley Stinson Leonard Street, LLPCleveland, Judy Peoples BankCobb, Maura Elan ATM & Debt ServicesConklin, Leilani Graduate School of Banking at COConley, Amber Federal Reserve Bank of Kansas City Denver BranchCordova, Magen The Colorado Bank & Trust of La JuntaCovert, John MetrostudyDarnell, Amie ANB BankDerks, Ken Equias AllianceDeWolf, Zoey Colorado Legislative ServicesDirks, Leah FirstBankDriscoll, Mark First National Bank - Fort CollinsDunn, Taylor Federal Reserve Bank of Kansas City Denver BranchEbbs, Aubrey FirstBankErickson, Kevin Guaranty Bank and TrustEwert, Nathan Adams Bank & TrustFelix, Alison Federal Reserve Bank of Kansas City Denver BranchFerguson, Debbie Pacific Coast Bankers BankFiedor, Adam GLC Advisors & Co.Fletcher, Angie Stinson Leonard Street, LLPFox, Jonathan Fowler State Bank

Franzen, Tim JP Morgan ChaseGebhardt, Wade Mountain Valley BankGerstner, Krysta FirstBankGilmer, Zane Stinson Leonard Street, LLPGlantz, Perry Stinson Leonard Street, LLPGodfrey, Kristin Jones & KellerGrant, Tom Peoples BankGrebenar, Tennyson Lewis Roca Rothgerber Christie, LLPHaden, Mark Colorado National BankHall, Mark Vectra BankHalverson, Judd Elan ATM & Debt ServicesHarrell, Greg Adams Bank & TrustHarris, David FHLBank TopekaHarris, Jim Peoples BankHarrison, Terry 3PRHarvey, Tijuan Young Americans BankHatzopoulos, Anh Dama TechnologyHauer, Marie Vectra BankHeaviland, Lavonne FirstBankHeckman, Kyle Flatirons BankHenderson, Kyle FirstBankHenry, Dan Dama TechnologyHouse, Steve Former Colorado GOP ChairmanHuelskamp, Josie FirstBankHunt, Derek First National Bank - Fort CollinsJohnson, Josh ANB BankJones, Brad Colorado Bank & Trust of La JuntaJoseph, Fred National Bank Holdings Kalkwarf, Greg BKDKaminskas, Kelly FirstBankKasper, Janine Q2Keller, Gary Bell State BankKelly, David FirstBankKelly, Michael Vectra BankKendall, Adam Jones & KellerKing, Dennis Home Loan State BankKlaus, Jennifer Peoples BankKnudtson, Brandon Colorado Bankers Association Kodanaz, Taner DigitalGlobeKopp, Mike Colorado ConcernKostner, Kristen Blanchard Consulting GroupKrause, Steven Adams Bank & TrustLaney, Tim National Bank HoldingsLantz, Robert Coan, Payton & Payne, LLCLarrabee, Lindsey BNY MellonLarson, Brian FirstBankLayton, Melanie Colorado Legislative Services

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2017 ATTENDEES

Leonard, Cynthia Peoples BankLuce, Jennifer FirstBankMacHatton, Megan FirstBankMackowick, Brian Citywide BanksMalone, Kelly FHLBank TopekaMartin, Glenn Promontory Interfinancial Network, LLCMartinez, Richard Young Americans BankMay, Julie Citywide BanksMcElroy, Beverly The Colorado Bank & Trust of La JuntaMcLean, Sara Garland HeartMolina, Margarita PNC Financial ServicesMontoya, John ANB BankMorgan, Seth SPC CompaniesMuniz, Lindsay Colorado Bankers AssociationMustafa, Kamal The Invictus Consulting GroupMusyl, Marc Greenberg Traurig, LLPMyklebust, Chris Colorado Bank CommissionerNash, Dr. Steve Denver Museum of Nature & ScienceNeil, Dan Bank Financial Services Group (BFS)Nguyen, Andy John M. Floyd AssociatesNicholson, Sindy Crowe Horwath, LLPO’Brien, John Snell & Wilmer, LLPOstertag, Bob CoBiz FinancialOsthoff, Shawn Bank of ColoradoPanasci, Ernie Stinson Leonard Street, LLPParsley, Trina Federal Reserve Bank of Kansas City Denver BranchPayne, Mike Coan, Payton & Payne, LLCPenry, Josh EIS SolutionsPietrowski, Nadine Crowe Horwath, LLPPortman, David FirstBankPrinster, Ceyl Colorado Enterprise FundPropst, Koger ANB BankPropst, Matthew Vectra BankQuinn, Kevin Citywide BanksRaley, Diane Federal Reserve Bank of Kansas City Denver BranchReuter, Jim FirstBankSandberg, Scott Snell & Wilmer, LLPSherwood, Joanne Citywide BanksSorensen, Karen First National Bank - Fort CollinsSparks, Lauren 3PR Inc.Springer, Craig Home Loan State Bank

Springer, Stacy Federal Reserve Bank of Kansas City Denver BranchSteinbronn, Michelle Fortner, Baynes, Levkulich & GarrisonStransky, Josh FirstBankSzyperski, Jeff American Bankers AssociationSzyperski, Wende Tanner, Jack Fairfield and WoodsThorne, Richard Federal Reserve Bank of Kansas City Denver BranchTilton, Ron FirstBankTomlinson, Heather American Bankers AssociationTweten, Tanner FirstBankVan Haselen, Joe MidWestOne BankVorthmann, Chad Colorado Farm BureauWade, Marlene Bankers’ Bank of the WestWagner, Brad SPC CompaniesWagner, Lance Federal Reserve Bank of Kansas City Denver BranchWaller, Clay Eide Bailly, LLPWaller, Jenifer Colorado Bankers Association Weins, Jadon FirstBankWelch, Gregory Northstar BankWhite, Mark Northstar BankWiley, Dory Commerce Street CapitalWilkie, Mary Ellen Jones & KellerWilliams, Heidi Mayor of ThorntonYoder, Craig Crowe Horwath, LLPZahl, Brendan Peoples Bank

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The Colorado Bankers Association represents more than 90 percent of the $142 billion in assets within the 141 banks operating in Colorado.

CBA focuses on improvements that increase benefits for customers, value for shareholders, and a stronger business climate for our local economies.

On behalf of the 21,722 men and women who work within a Colorado bank, CBA works with government to continually improve the banking industry in this rapidly changing environment.

CBA also provides industry-specific information and education to bankers, offers bank insurance, acts as a partner between bankers and servicers and provides other miscellaneous services.

CBA advocates economic opportunities for all Coloradans through a sound and competitive banking environment by advocating supportive public policy, and enhancing banking’s skills, image and unity.

CBA PROTECTS WHAT IS MOST IMPORTANTCBA focuses on creating a stronger economy and helping Coloradans realize dreams by building better banks.

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