paBanker Magazine 2022Q1 : simplebooklet.com

4 » PA Bankers Association pabankers.com• Regulatory Compliance Monitoring + Training• Risk Assessment + Gap Analysis A Great Team Serving Extraordinary BanksFinancial Outsouring Solu�ons:Herbein l Mosteller HR Solu�ons:Laurel ClineInternal Audit, Compliance, IT, Risk ManagementHR Solu�ons• Training• HR Outsourcing

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PA Bankers Association » Quarter 1, 2022 3PA Bankers STAFF DIRECTORYGeneral Number (717) 255-6900President & Chief Executive Ocer  dcampbell@pabankers.com | (717) 255-6916External RelationsExternal Relations Administrative Assistant adoyle@pabankers.com | (717) 255-6937Director, Advocacy & Government Relations ekanter@pabankers.com | (717) 255-6910Vice President, Government Relations dreisteter@pabankers.com | (717) 255-6933Federal Government Relations & General Counsel Legal Assistant lbrandt@pabankers.com | (717) 255-6936General Counsel lrynd@pabankers.com | (717) 255-6935Finance & Operations Registrar and Records Coordinator jillametrano@pabankers.com | (717) 255-6927 Receptionist and Administrative Assistant mhenry@pabankers.com | (717) 255-6900 Director, Information Technology cferraro@pabankers.com | (717) 255-6921Director of Marketing & Communications shocker@pabankers.com | (717) 255-6912 Director, Finance amoshgat@pabankers.com | (717) 255-6938 Senior Vice President, Finance & Operations mstaton@pabankers.com | (717) 255-6923 Communications & Marketing Coordinator cyoung@pabankers.com | (717) 255-6915Member Relations, Professional Development & PA Bankers Services Corporation Vice President, Professional Development jcatalano@pabankers.com | (717) 255-6939 Director, PA Bankers Services Corporation tchambers@pabankers.com | (717) 255-6928 Director, Member Relations kmcdermott@pabankers.com | (717) 255-6914 Member Relations Administrative Assistant lscott@pabankers.com | (717) 255-6903 Senior Vice President, Member Relations and Professional Development, and Managing Director, PA Bankers Services Corporation cwallett@pabankers.com | (717) 255-6913 Vice President, Business Development wwhipple@pabankers.com | (717) 255-6925 Professional Development Assistant mwisniewski@pabankers.com | (717) 255-6934magazineSTAFF  Sara E. Hocker     J. Duncan Campbell III   Jacqueline A. Catalano   TianiA.Chambers Daniel J. Reisteter Louise A. Rynd Michelle L. Staton Cynthia L. Wallett Wayne R. Whipple Courtney M. YoungPA Bankers Services Corporation Board of Directors and Ocers   Jennifer A. Poulsen, SPHR, CSP, SHRM  M. Theresa Fosko, SPHR  J. Duncan Campbell III  Gerard A. Champi Trudy K. Everhart Philip L. Freeman, Jr. Scott E. Fritz Thomas C. Graver, Jr., CPA Richard L. Greslick Karl F. Krebs Ginger G. Kunkel Joseph R. Toth Tracy E. Watkins, SPHR Dale A. Westwood Address Correspondence to: paBanker Magazine c/o Pennsylvania Bankers Association 3897 N. Front St., Harrisburg, PA 17110 Tel. (717) 255-6912 Email: shocker@pabankers.compaBanker Magazine is published four times a year by the PA Bankers Services Corporation (Services Corporation), a subsidiary of the Pennsylvania Bankers Association (PA Bankers). The Association serves Pennsylvania banks and nancialinstitutionswitheducationalprograms,member services and represents members on the state and federal level. Since 1895, PA Bankers continuouslyworkedtobethepremiernancialservicesorganizationsupportingadiversiedmembership through volunteer participation, a knowledgeablesta,stateofthearttechnologyand a commitment to excellence.paBanker Magazine istheocialpublicationof PA Bankers.EditorialThe opinions expressed in articles by authors otherthanAssociationstaandocersarethe responsibility of the authors only and not necessarily those of the PA Bankers, the Services Corporation or its members. All articles, unless otherwise notied, have been written by paBanker Magazinesta.Questionsandcommentsshouldbe addressed to the Managing Editor. PA Bankers members may reproduce any non-commercial part of this publication with verbal permission from the editor. All others must receive written permission from the editor prior to reproduction of any part of this publication. Copyright ©2003 PA Bankers Services Corporation. All Rights Reserved.Printed by: HAAS Printing CoSponsored by:

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4 » PA Bankers Association pabankers.comhen I became chair of the association nearly nine months ago, I made it my promise to continue the good work initiated by my two predecessors, Mike Price and Brad Scovill. Specifically, I wanted to continue their diversity, equity and inclusion (DEI) mission.As I finish out my term as chair, it is my goal to continue to deliver meaningful DEI resources to the membership for use in your banks’ respective DEI initiatives. The association has already made headway over the last several years with the creation of the DEI Advisory Group, Bank On Keystone and DEI Conference, as well as our significant engagement with the BankWork$ program. I hope to continue this momentum over the next few months. I am proud to chair what I think may be the largest board of directors in the history of the association, and certainly the most diverse. During my current term on the PA Bankers board, I have learned that DEI clearly does not mean that there will be agreement by people on every issue. What I believe it means is even when there is disagreement, people can still respect each other and their Continuing the DEI MissionWESLEY M. WEYMERS Executive ChairmanThe Gratz Bankviewpoints. Although sometimes difficult, and this includes me, making the conscious decision to respect the perspectives of others when they differ from mine is an important step in accepting inclusion. The PA Bankers Association has taken measurable steps to become an organization that has committed itself to creating and sustaining an inclusive culture and one which promotes diversity.As most of you know, in late 2020, the association formed a Diversity, Equity and Inclusion Advisory Group, which supports and advises the board and senior staff on all DEI efforts. Since its creation, the DEI Advisory Group has proven to be a key asset in the association structure, implementing changes for the future of the association and industry. Last year, the group surveyed the membership regarding their DEI strategies. They received tangible results, showing that the majority of the membership lacked an existing DEI program and had a need for DEI engagement from PA Bankers. The group followed up the survey with qualitative research through focus groups, which allowed them to delve deeper into the data obtained through the survey. The research and results have helped the group to suggest ideas to the board of directors over the course of the last few months.One such idea was the creation of the DEI Conference – the first of its kind in the Pennsylvania banking industry. This conference will cover the newest DEI strategies, including creating a sustainable inclusive culture, supplier diversity, unbanked and underserved community programs, and more. The conference will take place on April 28 at the Hershey Lodge & Convention Center, with a pre-conference session on April 27. We are excited to bring this new opportunity to the membership, as it will complement the efforts of our association’s DEI strategy and the DEI Advisory Group. I plan to attend with several of my colleagues, and I hope that you join me as well. No matter where you are in your DEI strategy – planning, development or implementation – this conference will feature something for bankers at all levels within the institution. To learn more about the conference, please click here.In addition, the DEI Advisory Group has created the concept of DEI TRACC (Taking Responsibility and Creating Culture), a roadmap that lays out DEI chairman’sINSIGHTS

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PA Bankers Association » Quarter 1, 2022 5strategies for PA Bankers’ members. We have spoken about this effort over the last few months, but I am proud to say that with the help of Dr. Linda Eagle, a member of the DEI Advisory Group and instructor for several of PA Bankers’ educational offerings, the roadmap is in its final stages and will be unveiled at the 2022 DEI Conference this month. We expect this roadmap to be a useful tool for all PA Bankers members.Finally, the DEI Advisory Group has not only focused their mission on creating a more diverse, inclusive and equitable banking workforce, but they also have made it their mission to ensure that everyone has access to safe banking products and services. Research from the Federal Deposit Insurance Corporation shows that there are many reasons consumers lack a basic transaction account: not enough money for the minimum balance; distrust of financial institutions; high or unpredictable fees; or identification, credit or banking history problems. Many Americans are driven to use expensive alternative financial services, including check cashers, payday lenders and pawn shops that charge high fees for financial services that fail to help people get ahead. Without a checking account, families wind up paying too much for basic financial transactions and are hard pressed to build savings and assets.To help combat this, PA Bankers has partnered with the Cities for Financial Empowerment (CFE) Fund to expand the number of member banks in Pennsylvania offering certified Bank On accounts to reduce the number of unbanked and underbanked in the state. The CFE Fund has worked closely with the Bank On National Advisory Board and other key stakeholders to develop the Bank On National Account Standards. Bank On certified bank accounts are intended to provide low-cost, safe banking products and services to everyone and to reduce the number of underbanked and unbanked. While many banks may already offer accounts that meet the Bank On standards, they may not realize they qualify for a Bank On certification. Supporting Bank On certified accounts statewide is a key component of the association’s DEI efforts. Under the leadership of the DEI Advisory Group, we have created a statewide Bank On coalition (Bank On Keystone) by securing partners, creating a website, etc.We are excited to announce the statewide Bank On Coalition is live, and we are joined by the following partners who are committed to reducing the number of underbanked and unbanked in the commonwealth:• United Way of Pennsylvania;• Pennsylvania Assistive Technology Foundation;• CFE Fund;• Pennsylvania Office of the State Treasurer;• FDIC; and• The Bank On Philadelphia, Allegheny County and Allentown Coalitions.We will continue to add partner agencies and resources moving forward, and we encourage our members to visit the website for more information about offering Bank On accounts and other resources available from our partners in the community.Since launching our support, the number of banks offering Bank On accounts has increased from seven to nearly 25 bank accounts in PA, and I know that we won’t stop there. To learn more about why your institution should offer Bank On certified accounts, please read the 10 on 10 on page 10.PA Bankers and its DEI Advisory Group have implemented some incredible changes in less than two years, allowing us to really focus on our institutions’ own DEI strategies and giving us the tools to improve them. DEI is a moving target, and there is still more work to do. For us to be successful in this initiative, our leaders must set the example by devoting time and effort to build trust. And, as the leader of the PA Bankers board, that starts with me. Throughout my banking career, I have been involved exclusively with rural community banks, but I learned a long time ago that is critically important to have as many diverse viewpoints as possible. I surround myself with diverse decision makers – regardless of gender, race, country of origin, etc. - because I know that I cannot possibly know everything about an issue all the time. Reinforcing the commitment to effective DEI programs allows every employee to come to work without fear of being their true selves. Through an increased comfort level, I have found that employees provide a higher degree of engagement, become more productive, and offer suggestions - all of which contribute to increased revenue.The importance of DEI in today’s world cannot be overstated, so dedication to this initiative is paramount. I look forward to continuing this mission with you all over the next three months and well into the future.

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6 » PA Bankers Association pabankers.comt is hard to believe that we are three months into another year. Not much has changed, as we are still facing a global pandemic, economic uncertainty and strong political division within our country. Turning on the news or reading the local newspaper can be quite overwhelming.With so much unpredictability, I find it helpful to focus on what we can do to create “moments of good” in these uncertain times, both personally and professionally. For me, personally, I look for every opportunity to spend time with my family, whether that means being involved in my boys’ sports teams, engaging in youth group activities at our church or joining my wife in taking our dog for a nice, long walk. Working remotely throughout this pandemic has been difficult for so many of us for a multitude of reasons, but I am grateful to have had the opportunity to spend valuable time with my family. Creating “moments of good” in a professional setting has been a bit more difficult over the last two years, with the various state and federal restrictions that have been put in place. But, even with the restrictions, we have made the most of it by sharing countless stories of our members’ service to the community in our “Community Corner” social media posts and paBanker Magazine, assisting in remote notarization legislation to better serve the members of the commonwealth, and supporting the amazing work of our banks as they navigated the Paycheck Protection Program. Additionally, one of the most meaningful pieces of the PA Bankers 2021 Convention was our bankers’ service to the local Marco Island community, as we worked to support the hunger needs of so many. We plan to add this service component to this year’s convention in Scottsdale, and I hope you will consider joining us in our effort to spread some good.Through community contributions, PPP loan assistance, remote notarization and more, our industry went above and beyond in 2021 to support its customers, communities and the commonwealth’s economy. And that is truly something special. As we move further into 2022, it is PA Bankers’ goal to give back to the industry that has done so much over the last two years by continuing to look for ways to create industry-specific “moments of good.” One major way we believe we can assist the Pennsylvania banking industry is to focus on something vital to both the association and the industry: recruiting and developing the next generation of bankers. This ideal, which is one of the association’s strategic initiatives, is crucial to our industry’s sustainability and future leadership. Many people outside of our industry do not know that banking is more than the traditional positions they see in retail banking, lending and compliance or that banks of all sizes need talented staff to handle jobs ranging from digital banking and cybersecurity, to HR, communications and more. Essentially, they do not know that you do not need a degree in finance to be a banker. You all have made great strides to reach out to the next generation of bankers, including various internship opportunities and community events, and we intend to compliment your efforts by creating “moments of good” through our “Why Banking?” video campaign, CSBS Community Bank Case Study Competition and BankWork$ program, as well as through the launch of our new internship program. Creating “Moments of Good” in the Banking Industryfrom the CEO to the CEODUNCAN CAMPBELLPresident & CEO PA Bankers AssociationI

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PA Bankers Association » Quarter 1, 2022 7“WHY BANKING?” VIDEO CAMPAIGN As you may recall, we created the “Why Banking?” video campaign, which provided younger bankers with valuable tools and resources for career development. The campaign showcased the real stories of seven young bankers and their careers, affirming what we already know: our future is bright and rooted in the core principles of banking – customer service, community engagement and dedication to the industry. The video is still available on our website today and is a great recruiting tool for our industry. CSBS COMMUNITY BANK CASE STUDY COMPETITION For the last four years, the association has supported the Conference of State Banking Supervisors Community Bank Case Study Competition. The competition is a national program that pairs undergraduate student teams with local community banks to conduct original case studies on relevant topics. In addition to providing undergraduate students with an excellent opportunity to engage and gain valuable knowledge of the banking industry, the case study competition serves as a platform for community banks to tell their individual stories. It is an opportunity to build an understanding of the community bank business model and the role community banks play in local communities, and it is a mechanism for connecting academics and millennials with the community banking industry – proving to be a unique recruiting tool for the next generation. The 2022 competition is currently underway, and we wish all of the Pennsylvania teams well as they participate in the program. If you are interested in participating in next year’s competition, please contact Karen McDermott.BANKWORK$ For five years, the association has supported the BankWork$ program. Working in communities of need and with students who typically would not be considered qualified candidates for banking/financial services positions, BankWork$ offers opportunities to succeed in well-paying jobs that can lead to a lasting career in the banking industry. Each eight-week class is designed to train entry-level bank tellers, customer service representatives and personal banker candidates and ultimately provide and connect those candidates to local banks and financial institutions. The program is currently operating in Pittsburgh and Philadelphia, but we are actively planning and developing the expansion of Bankwork$ into central Pennsylvania, as we feel that this region would highly benefit from the advantages this program provides. We will keep you updated as developments occur.NEW INTERNSHIP PROGRAM Finally, to round out our next-gen efforts, I am pleased to announce that PA Bankers has partnered with Shippensburg University to develop a bank-centered intern program for our member banks. The 12-week program will launch this summer through a pilot effort in South Central PA to include five banks of varying sizes, 25-30 students, Shippensburg University and Millersville University. During this pilot phase, the program will be developed and refined before it is launched statewide in 2023 to all member banks and state system schools across the commonwealth.The goal of this effort is to provide students real-world experiences with project-based assignments by gaining exposure, opportunity and support to develop and grow both personally and professionally. Students will learn about career paths that explore a variety of skills and interests within the banking industry, providing employers access to qualified interns who can support critical job functions within the banks.The intended program learning outcomes will include an inside look at desired banking career fields, while working next to some of the best in the industry. Interns will receive specialized training that will build upon their technical and essential/employability skills, as well as build their network as they learn about the culture within the banking industry. We are very excited to roll out this new offering, and we hope that you will join us with your support of the program. If you have any questions about this new internship program, please contact Michelle Staton.Creating “moments of good” has never been more important than it is now in these unprecedented times. Through these four initiatives, we can better the industry by recruiting and developing the next generation of bankers. It is my goal that we reach as many young professionals as possible and show them why banking is an amazing career. Bankers not only support their customers, but they also support local businesses, the state and national economies, and their communities. And who wouldn’t want to be a part of that?PA Bankers is proud to support you because together we are making a difference.

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PA Bankers Association » Quarter 1, 2022 9“Now, with the combined buying power of dozens of banks, we can keep costs relatively stable, even when we have experienced a year with higher claims.”Executive Vice President, Chief Human Resources OcerUnivest Corporation of PAA unique health care alternative for nancial institutions and aliate members of the PA Bankers Association.Benets of Self-Funding with Bank Health Care Consortium of PAThe Bank Health Care Consortium of PA (BHCCPA) oers employee benets that provide you with strategic tools your organization can utilize to develop, retain and reward those who serve your institution and customers.Bank Health Care ConsortiumStand Alone Self-FundingFully-Insured Funding43 Groups | 6,000+ Enrolled | $93m Total FundingPA Bankers Services Corporation Wayne Whipple, VP, Business Development 717.255.6925 | wwhipple@pabankers.comGuaranteed annual premium for the plan yearLower carrier administration costOnly pay your actual claims plus xed expensesGreater exibility in plan design & claim eligibilityEliminate PPACA premium taxes and federal benet mandatesStop-loss renewals based on actual projections not loss ratioNo lasering at renewal or late discovery of submission claimsMember manages all claim fund surplusesEnables mid-market employers (30+ employees) the safest method to self-fund their benet planM. Theresa FoskoWebber AdvisorsBrad Webber, Marketing/Sales Manager814.695.8066 x4186 | bwebber@webberadvisors.comThe Benecon GroupClaudia Burchstead, Regional Vice President of Sales888.400.4647 | cburchstead@benecon.com

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10 » PA Bankers Association pabankers.com10 Reasons Why Your Bank Should Offer Bank On Certified AccountstenONpageTENPA Bankers Association is supporting the Bank On effort across Pennsylvania through the statewide Bank On Keystone Coalition, as well as supporting the local Bank On Coalitions in Allegheny, Allentown and Philadelphia. The coalitions include banks, nonprofits, community-based organizations and local government - all interested in increasing the number of banks offering Bank On accounts and connecting the unbanked and underbanked to those accounts so that they have safe and affordable banking services.Not yet offering Bank On accounts at your institution? Here are 10 reasons why your bank should offer Bank On accounts:12453BANKS MOST LIKELY ALREADY HAVE ACCOUNTS THAT MEET BANK ON CERTIFICATION REQUIREMENTS.BANK ON CERTIFICATION PROCESS IS EASY AND TAKES MINIMAL TIME.PARTICIPATE IN LOCAL COALITIONS TO OFFER YOUR ACCOUNT THROUGH PUBLIC AND COMMUNITY BANKING ACCESS PROGRAMMING.ABILITY TO USE THE NATIONAL BANK ON CERTIFICATION SEAL OF APPROVAL FOR MARKETING OUTLETS.PUBLIC RECOGNITION BOTH LOCALLY AND NATIONALLY HIGHLIGHTING YOUR ACCOUNT AND FINANCIAL INSTITUTION.678910CONNECT CONSUMERS TO SAFE AND AFFORDABLE BANK ACCOUNTS AS A FIRST STEP TO FINANCIAL SECURITY.REACH NEW CUSTOMERS IN YOUR COMMUNITY WHO ARE UNBANKED/UNDERBANKED AND BRING THEM INTO THE FINANCIAL MAINSTREAM.OFFER ACCOUNTS WITH IN-DEMAND FEATURES CONSUMERS ARE LOOKING FOR.ACCOUNTS THAT MEET BANK ON NATIONAL ACCOUNT STANDARDS QUALIFY FOR CRA CREDIT.OFFERING SAFE AND AFFORDABLE BANK ACCOUNTS WILL HELP REDUCE THE UNBANKED/UNDERBANKED IN PA.If you are interested in learning more about the existing coalitions or to see how you can get involved, click here.

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12 » PA Bankers Association pabankers.comcommunityCORNERUnivest Financial raised $17,500 through its matching fundraising campaign for the American Red Cross Southeastern Pennsylvania Region. Donations made by Univest employees and members of the local community totaled $7,500, and Univest contributed $10,000. These donations will help support disaster response in Southeastern Pennsylvania and across the nation.Additionally, the bank announced Off the Streets Lancaster as the winner of its 10th annual Caring for Community Giveaway. The contest awards $5,000 to a local, nonprofit organization. The funds will aid Off the Streets Lancaster in helping families and individuals get “off the streets” and into permanent housing.Univest FinancialIt’s Time to Move Up to a Higher Level of Productivity and Trust withFieldSmart PROPERTY and ENVIRONMENTAL INSPECTIONS■ Property Inspections ■ Environmental Inspections■ Commercial Evaluations■ Restricted AppraisalsGET STARTED: BoxwoodMeans.com/ContactLEARN MORE:BoxwoodMeans.com/ServicesFree Up Your Loan Ocers from Performing Site Visits and Leave the Fieldwork to the Pros ®In 2021, 1ST SUMMIT BANK donated over $440,000 to 344 organizations and causes in support of its neighbors, the arts, children, education and more. 1ST SUMMIT BANK

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14 » PA Bankers Association pabankers.comcommunityCORNERF&M Trust donated $25,000 to The Salvation Army in South Central Pennsylvania. Corps in Chambersburg, Carlisle and Harrisburg will receive the funds. Additionally, the bank donated $100,000 to community organizations across South Central PA.Recipients of the donations include:• Central Pennsylvania Food Bank• Fire companies and EMS units across South Central Pennsylvania• Fulton County Family Partnership• Hope in the Valley United Methodist Church backpack program• Menno Haven employee assistance program• Orbisonia Food Pantry• Project SHARE and Community Cares programs in Carlisle• SpiritTrust Lutheran hospice program• The Salvation Army in Carlisle, Chambersburg, and Harrisburg/Capital City Region• The Shook Home employee retention committee• United Way chapters in Carlisle/Cumberland County, Franklin County, Greater Harrisburg/Capital Region, and Shippensburg• Waynesboro Community and Human ServicesF&M Trust It’s Time to Move Up to a Higher Level of Responsiveness and Trust withFieldSmart RESTRICTED APPRAISALS■ Restricted Appraisals ■ Commercial Evaluations ■ Property Inspections ■ Environmental InspectionsGET STARTED: BoxwoodMeans.com/ContactLEARN MORE:BoxwoodMeans.com/ServicesBecause Fast Delivery of USPAP-Compliant Property Valuations are Essential to Closing Small-Balance CRE Loans Today®

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PA Bankers Association » Quarter 1, 2022 17CELEBRATING OUR MEMBERSWomen in Banking Recognition of Excellence ProgramPatricia A. Husic Woman of Inuence AwardJane Grebenc First Commonwealth BankTae Ayers S&T BankAndrew Samuel LINKBANKJacob Iampietro Penn Community Bank Patricia Dasta First Commonwealth BankAmanda Jarski First Keystone Community BankTomorrow’s Promise Award Kirsten Palmieri Penn Community BankChampion for Women AwardFinancial Institution Member: Vicki Fox First Commonwealth BankAliateMember: Dara Klein Kaplan PartnersLast year, we celebrated 15 individuals for their commitment to advocacy, their communities and the industry.William S. Lato Advocacy AwardPosthumously Awarded to:Rich Graver The Victory BankFuture Under 40 AwardsYoung Professionals Champion Award:Natalie Stackhouse, First Keystone Community BankBrent Smith, LINKBANKDavid Warho First Keystone Community BankLeighton Walsh First Keystone Community BankBritney Zacherl First Commonwealth BankDARAJ.KLEINPhiladelphia,PA610-220-1773daraklein1@gmail.comwww.linkedin.com/in/dara-j-klein-4b16726Dara Klein is an insightful C-level, Board, and Human Capital advisor, in the financial servicesindustryandgrowthcompanysectors.Sheleveragesherexpertise inexecutivesearch,Boardand CEO succession advisory, talent and cultural assessment, and business developmentsuccess, to ensure optimal diversified leadership in driving growth, financial strategy andbusinesstransformation.As Managing Director of Kaplan Partners, a boutique retained executive search and advisoryfirm,Daraisknownas aconfidanttoCEOsand forheruniqueandtrustedrelationships withBoards of Directors and key executives.   Dara is consistently recognized for her on-pointunderstanding of multi-faceted cultures and complex leadership and Board dynamics.  Shecombines exceptional listening skills and due diligence, with a thorough understanding ofbusiness strategy, growth expectations and technical requirements, to deliver honest,actionablefeedbackthatconsistentlyresultsinhighlyeffective,culturallyin-syncorganizationalsuccess.Dara serves on the Advisory Council for the Women’s Business Collaborative (WBC). She is anationalspeakeronBoardandCEOsuccessionandHumanCapitalManagement.Herspeakingengagements include, the Pennsylvania Bankers Association, Penn State University, RowanUniversityandSterlingNationalBank.SheisanactivevolunteerwithGettingOutandStayingOut(GOSO)–anonprofit,reentryorganization,helpingformerlyincarceratedyoungmen.Shehas also been recognized by Jewish Relief Agency (JRA) for her long time commitment tosupporting food insecure families in the Greater Philadelphia area.  Dara is also a mentor tomenandwomenandthenextgenerationofleadersDarabeganhercareerwithXeroxCorporationwheresheprogressedthroughtheranks,over10years,asregionalsalesexpertforFortune500clientsinfinancialservicesandgovernment.Shethendirectedmarketingcommunicationsandbrandingstrategies,inpartnershipwithtopfinancialinstitutionsforIntegrionFinancialNetwork.Additionally,sheworkedwithastartupbeforejoiningKaplanPartnersin2004.DaraearnedaB.S.inMarketingfromPennsylvaniaStateUniversity.SheisproficientinSpanishandpassionateaboutworkingingrowthorientedanddiverseculturesthatwhopromotetheadvancementofwomenandpeopleofcolor.11

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18 » PA Bankers Association pabankers.comfeatureARTICLEOur DEI Advisory Group continued to meet and further develop our association’s DEI strategies which included:• Research - a survey to the membership regarding their DEI strategies. The group then followed up with qualitative research through focus groups to delve deeper into the data obtained through the survey. • DEI TRACC, a roadmap that lays out DEI strategies for PA Bankers members.• Bank On Keystone, a statewide coalition that will support the local efforts and our members statewide to expand the Bank On program and offer these safe accounts to the entire unbanked/underbanked population across the state. The association recently launched a new Bank On Keystone website, which includes additional resources, news stories and partnership details. Visit the “Member Resources” tab on www.pabankers.com to view the website today.• DEI Conference, the first of its kind within the Pennsylvania banking industry. The DEI Conference will take place on April 27-28, 2022, at the Hershey Lodge and Convention Center. Conference attendees will learn the newest DEI strategies, including creating a sustainable inclusive culture, supplier diversity, unbanked and underserved community programs, minority-owned business funding and moreWe welcomed three new Select Vendors into the program:Paylocity develops industry-leading, cloud-based HR and payroll solutions that empower you to drive strategic decision-making, cultivate a modern workforce propelled by innovative technology and improve employee engagement. Effectively manage your workforce with an intuitive, highly configurable solution that unifies applications.Banzai is an interactive education platform with a focus on financial literacy. Banzai serves communities by providing unparalleled financial literacy education to schools, while providing its partners access to invaluable marketing insights and meaningful CRA opportunities. Banzai has two main offerings: the schools program and the community KlariVis® is a cloud-based data analytics solution designed by bankers for bankers. We deliver banks' data through interactive dashboards providing immediate insight into key performance metrics that drive revenue, manage risk and streamline operations. The KlariVis® team has over 125-years of combined experience in banking systems, data analytics and reporting.Professional DevelopmentFollowing both state and federal guidelines, we were able to bring our bankers together for 25 networking and professional development events last year.16VIRTUAL OFFERINGS:9IN-PERSON OFFERINGS:DIVERSITY, EQUITY & INCLUSION (DEI)GOVERNMENT RELATIONS 3$389,211.74 contributed to PaBPAC from 67 member institutions PABPAC STATE VIRTUAL EVENTS5 alerts co-branded with the ABA, with 1,636 active participantsAn Advocacy Speaker Series with 44 unique participants PA BANKERS SERVICES CORPORATION

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BERNARD TYNESSVP, Director of Marketing Strategy & Data AnalyticsPenn Community BankDR. PAUL DAVID SPRADLEY Vice President of Diversity, Equity and InclusionDollar BankDR. BERNADETTE TAYLORSenior Executive Vice President, Chief Human Resources OfficerFulton BankWILLIAM GONZALEZExecutive Vice President, Business DevelopmentQuaintOakBankDR. LINDA EAGLEFounder and PresidentGlobal Bankers InstituteLATOYA EDMONDRegional DirectorCareerWork$ PA Bankers Association » Quarter 3, 2021 21featureARTICLEDEI• Establishing a sustainable DEI initiative for PA Bankers;• Ensuring a diverse and inclusive association board and organization;• Developing/facilitating DEI training for our members;• Developing, expanding and evaluating potential resources and partnerships that support our members’ recruitment, retention and advancement efforts;• Developing supplier diversity partnerships or resources to assist members with their supplier diversity efforts;• Evaluate metrics used to measure DEI efforts across theentireorganization;and• Othereffortsandinitiativesasneeded.The DEI Advisory Group supports and advises the PA Bankers Board and senior staff on:

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22 » PA Bankers Association pabankers.comWhat do you hope to accomplish while on the DEI Advisory Group?I hope to be able to highlight and amplify equitable and pragmatic solutions that expand workforce opportunities and advance theflowofcreditandcapitaltounderservedcommunities.-Sharifa Anderson, Esq., Chief Diversity Officer, Fannie MaeMy hope is that the DEI Advisory group triggers meaningful and lasting short-, mid- and long-term change that impacts the financial services community – from executives and bankers, to customers and communities – and serves as a model of positive change for our association and the industry. - Bernard Tynes, SVP, Director of Marketing Strategy & Data Analytics, Penn Community Bank What is the significance of the DEI Advisory Group to you/your career?TheDEIAdvisorygroupissignificanttomebecauseitmeansthatweareagroupofpeoplewhoacknowledgethata problem exists and are willing to put action behind our thoughts and our words. Being a black female leader, it is important for me to use my voice and status to bring awareness to these issues and advocate for those whose voices are not yet being heard. - Latoya Edmond, Regional Director, CareerWork$ How do you like to spend your free time? In my spare time, I enjoy sledding and biking with my family which includes two young boys. -Sharifa Anderson, Esq., Chief Diversity Officer, Fannie MaeI love modern quilting. When not at work or spending time with family, I’m in my sewing room. - Dr. Bernadette Taylor, Senior Executive Vice President, Chief Human Resources Officer, Fulton BankMy greatest passion is spending time with my family, including our newest addition: daughter Ava Rose. The pandemic has also renewed my passion for community volunteerism, most recently I accepted service on the board of directors for the United Way of Bucks County. Any leftover time is spent studying as I finish up my MBA. - Bernard Tynes, SVP, Director of Marketing Strategy & Data Analytics, Penn Community Bank If you could have dinner with anyone, dead or alive, who would it be? Firstandforemostmymother–IwouldwanthertoknowIlearnedfromalltheteachingsheprovidedme.Next would be Opera. - Nicole Burrell, District Manager, SVP, Wells Fargo BankMy grandmother, she was a hoot! - Dr. Karen Carmack, Senior Vice President & Chief Human Resources Officer, F&M Trust featureARTICLEDEIADVISORY GROUPIntroducing Introducing r rWe asked several of our advisory group members to answer some questions about their involvement in PA Bankers' DEI efforts. See their responses below.

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PA Bankers Association » Quarter 1, 2022 23featureARTICLEWhat is your biggest piece of advice, with regards to DEI, for the banking industry? Juststarttheballrolling.Tapintothoseinyourorganizationwithapassionforitandkeepexpandingthatgroup.Setsomemeasurablegoals,andthengotoworkwithaconsistentcadence.Becuriousandkeeplearningasyougo.-Charlotte Bellas, Senior Vice President, Learning & Development Leader, First Commonwealth BankDEI in banking can help us be better and stronger as an industry. When all employees feel valued and respected and are encouraged to bring forward their own unique brand of thought and perspectives, it creates a more positive and innovative work environment, which benefits everyone, including our customers and the communities we serve. - Dr. Karen Carmack, Senior Vice President & Chief Human Resources Officer, F&M TrustBe intentional, supportive and open minded. DE&I adds intrinsic value beyond monetary gain. - Nicole Burrell, District Manager, SVP | Wells Fargo BankCommit to the journey and don’t let up. - Dr. Bernadette Taylor, Senior Executive Vice President, Chief Human Resources Officer, Fulton Bank I would advise my banking colleagues to set aside the polarizing rhetoric surrounding the DEI narrative and focus on the positive impact the initiative can have on company culture, employee engagement, and customer satisfaction. - William Gonzalez, Executive Vice President, Business Development, Quaint Oak Bank What is your favorite quote/mantra and why? “There is only one way to eatanelephant:abiteatatime.”--DesmondTutu(amongothers).Myfirstbosssharedthisbit ofwisdomwithmeyearsago,whenIwasfeelingoverwhelmedbymyfirstbigproject,anditstuck.WhileIwouldneveradvocate harming these lovely creatures, I like the metaphor for reminding us that with anything daunting set before us, oftenthebestapproachistostartsmallandchipawayatit.ThiscanbeahelpfulmindsetwhenfirstimplementingaDiversityandInclusionstrategy.Startthejourney,keepaconsistentfocusonit,andmeasurableprogresswillcomeovertime.-Charlotte Bellas, Senior Vice President, Learning & Development Leader, First Commonwealth BankSerenityPrayer:God,grantmetheserenitytoacceptthethingsIcannotchange,thecouragetochangethethingsIcan,andthewisdomtoknowthedifference.Thisquotealwaysgroundsmeandhelpsmerefocus.-Latoya Edmond, Regional Director, CareerWork$ “Amor Fati” – A Love of Fate. No matter what life throws at you, embrace the circumstances. Learn from the situation. Remain positive. Press forward. This is a basic principle that has helped me stay grounded and make the most of my closest relationships. -William Gonzalez, Executive Vice President, Business Development, Quaint Oak Bank DON'T MISS THE INAUGURAL DEI CONFERENCE,   VISIT WWW.PABANKERS.COM TO REGISTER.

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24 » PA Bankers Association pabankers.comfeatureARTICLEMay 12-15, 2022 • The Phoenician, A Luxury Collection Resort • Scottsdale, Az.PA BANKERS 2022 CONVENTIONExperience four days packed with dynamic speakers, lively discussions about the bankingindustry, inspirational programs, fine dining, entertainment, community service and more at thePA Bankers 2022 Convention.TOPICS KEYNOTE SPEAKERABOUT THE PHOENICIANFilled with contemporary elegance, ThePhoenician, a Luxury Collection Resort offersguests a distinctive lifestyle experience withbreathtaking Sonora views. Whether you enjoy relaxing at its three-levelpool complex, unwinding at its enriching spa,exploring the athletic club and golf course,savoring cuisine found in its eight delectabledining venues or discovering the vibrantentertainment, shopping and culturaldistricts of nearby Old Town Scottsdale, thePhoenician features a luxury experience forguests of all ages. CEO Peer ExchangeCryptocurrencyThe Great ResignationWashington UpdateCybersecurityDEIInterest Rate RiskDigital Banking And Much MoreJim AbbottFamed One-HandedMajor LeagueBaseball Pitcher

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PA Bankers Association » Quarter 1, 2022 25featureARTICLECHARITABLE OUTREACH PROGRAM AT ST. MARY’S FOOD BANKWednesday, May 11 | 1-4 p.m. | No charge, first-come, first-servedSt. Mary’s Food Bank exists to help feed hungry families throughout Phoenix and nine Arizona counties. Join PABankers' 75-member volunteer shift as we sort and pack food for the nearly 1,000 families the food bank servesdaily. JEEP TOUR - SOLD OUT - Email jillamertrano.com to be put on the wait list.Thursday, May 12 | 9 a.m. – 1 p.m. | $155/person The jeep will pick you up right at The Phoenician for your adventure into the Sonoran Desert, where you will meetfirsthand the desert wildlife and plants. Your Native American/Cowboy guide will entertain you with myths of thedesert as you 4-wheel your way through the terrain. During your visit to the desert you will learn how the ancientIndians used the plant life to make medicine, tools and food. It’s a great way to see and learn all aspect of theSonoran Desert and what it has to offer. BANK CEO PEER EXCHANGEThursday, May 12 | 1:45 - 2:45 p.m. | No charge| Limited to bank CEOs only CRAFT BREWERY TOURFriday, May 13 | 1:30 - 4 p.m. | $166/person During this craft brewery adventure, you will visit two Phoenix-area breweries, where you will learn about the beermaking process, types of beer, the breweries and much more. Did we mentioned that you will also be samplinggreat beer along the way? WINE TASTING IN OLD TOWN SCOTTSDALE - SOLD OUT - Email jillamertrano.com to be put on thewait list.Friday, May 13 | 2 - 4 p.m. | $140/person Join us on your Private Old Town Scottsdale Wine Walkabout Tour and learn about interesting and unique winevarietals, the different methods of champagne production and the growing Arizona wine industry. Sample amazingaward-winning wines from our state’s vineyards and beyond. Enjoy fun wine tasting activities with a sommelier, awinemaker and wine experts that have been created especially for you. PA BANKERS CONVENTION OPENSaturday, May 14 | The Phoenician Golf Club | 1:30, shotgun, scramble format | $169/person (includes greens andcart fees)Architect Phil Smith has created an outstanding facility for golf enthusiasts — a cohesive 18-hole courseshowcasing the unique beauty of Arizona’s Sonoran Desert. Everything is in front of the golfer, with no surprisebunkers or blind hazards. Designed to provide a natural rhythm and flow, the course plays to a par 71 and offersfour sets of tees, ranging from 4,575 yards from the forward tees to 6,518 yards from the players’ tees.Complementing it are The Phoenician Golf Shop, locker rooms and 19th Hole dining venue. Questions? Contact: Visit www.pabankers.com to register today.OPTIONAL ACTIVITIES - Preregistration Required

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26 » PA Bankers Association pabankers.comfeatureARTICLETHANK YOU TO OUR SPONSORSChair's ReceptionConvention WiFi Room Drop Board, Past Chair and Sta ReceptionSpeaker Board, Past Chair and Sta Dinner "Ocer Giveaway" "Ocer Giveaway""Ocer Giveaway"Co-Sponsor - SpeakerCo-Sponsor Beach Party - EntertainmentCo-Sponsor - Speaker Co-Sponsor Beach Party - Entertainment Jeep Tour- General Session Snacks- Golf Tournament Prizes - Craft Brewery Tour - Co-Sponsor Continental Breakfast - Opening Ceremonies - Co-Sponsor Continental Breakfast - Printing of Convention Pocket Guide - Afternoon Welcome Reception Entertainment - Attendee Pens and Pads  - Badge Lanyards/Holders - General Session Snacks - FOS - Herbein|Mosteller HR Solutions - Co-Sponsor After-noon Welcome Reception - Wine Tasting in Old Town Scottsdale-DigitalConrmationKits - Co-Sponsor Afternoon Welcome Reception - Convention Room Keys - Hotel Shuttle.-StaShirts - Golf Tournament Snacks - Sponsor in Part Continental Breakfast  as of 4/2/2022

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28 » PA Bankers Association pabankers.comgovernmentRELATIONSDIRECTED TRUSTEESHIP AND NON-JUDICIAL TRUST TERMINATION AMENDMENTS TO TITLE 20 On Jan. 26, 2022, Senator Pat Browne (R-Lehigh) introduced Senate Bill 1035, directed trustee legislation supported by PA Bankers and the PA Joint State Government Commission’s Decedents Estates Law Advisory Committee. PHILADELPHIA CITY COUNCIL FORMS A PUBLIC FINANCIAL AUTHORITYOn March 3, Philadelphia City Council voted on an ordinance that would create a public financial authority. The original ordinance was amended to create an authority that does not use the word "bank" nor can it accept deposits. In addition, Representative Chris Rabb (D—Phila) has circulated a co-sponsorship memo indicating his intention to introduce state legislation to authorize the formation of a state run public bank. PA Bankers does not support this proposal.CANNABIS BANKINGThere is interest by some in the Legislature to pursue state legislation to attempt to ease barriers financial institutions face in offering cannabis banking services. PA Bankers is working with PACB and Cross State Credit Union Association on a proposal that largely models the federal Safe Banking Act. Of most interest to PA Bankers are provisions that will enable financial institutions to gain access to records of the Department of Health on medical cannabis related businesses in order to do proper AML and BSA due diligence. C-PACE EXPANSIONPA Bankers has been engaged with proponents of expanding PA’s commercial property assessed clean energy financing programs (C-PACE) to permit multi-family unit projects to qualify, through passage of state legislation amending the 2018 statute. Senate Bill 635 was introduced by Senator John Yudichak (I-Luzerne) and passed the Senate in December of 2021. PA Bankers has had some concerns with the proposal and recommended changes to it in order not to oppose the legislation. PA PROGRAM TO ADMINISTER AMERICAN RESCUE PLAN’S (ARP) HOMEOWNER ASSISTANCE FUND (HAF) Act 24 of 2021 (HB 1348) establishes a Homeowners Assistance Grant Program to be administered by the PA Housing Finance Agency to distribute PA’s allocation for this purpose from the American Rescue Plan. HAF fund programs must comply with U.S. Treasury guidance. PA Bankers has been in communication with PHFA to receive updates on implementation of the program. Applications are now being accepted.State Government Relations Update

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30 » PA Bankers Association pabankers.comgovernmentRELATIONShe Pennsylvania Department of Revenue recently advised PA Bankers that it is preparing to implement the provisions of Act 90 of 2019 which require financial institutions doing business in Pennsylvania upon the request of the department to provide an electronic report identifying information about assets held at the institution by delinquent state tax obligors whose identifying information the department/its vendor will supply. The department may request these e-reports no more frequently than quarterly. The data matching requirements were included within amendments to the Tax Reform Code which also exempted software directly used in conducting the business of banking from sales and use tax and established a ten-year statute of limitations for collection of delinquent taxes by the Commonwealth. Implementation of the legislation’s data matching requirements was delayed by the time needed for the Revenue Department to develop and publish guidelines for the implementation of the program and the attachment of accounts and execute a contract with an automated data exchange agent. . The Revenue Department entered into a contract to implement the program with Informatix, Inc., a minority-owned San Francisco based corporation which administers the child-support financial data matching program for the Pennsylvania Department of Human Services. In addition to serving the Pennsylvania Departments of Revenue and Human Services, Informatix provides data matching services to more than 50 agencies in other states. Upon request, Informatix will provide information to financial institutions to conduct the third-party relationship management due diligence required by the OCC and the FDIC.Act 90 authorizes the department to enter into agreements with financial institutions and its automated data exchange agent regarding the operation of data exchanges that may modify the department’s guidelines for data matching and account attachment. The department will be requesting financial institutions subject to data matching requirements to execute a standard form agreement to facilitate implementation of the program. The agreement:• Requires financial institutions to designate a preferred media format for transmitting and receiving data-matching requests; information needed for service of legal notices regarding data matching requirements; and a contact person responsible for performing data matches which may either be an employee or other designated agent of a financial institution;• Requires data matching to be conducted pursuant to procedures designated in a Data Matching Handbook as published by the Office of Child Support Enforcement of the U.S. Department of Health and Human Services using the “matched-accounts method” for the submission of reports;• Permits financial institutions to either exclude or include in reports submitted to the department through Informatix asset and account information required for Office of Child Support Enforcement data-matching, but not required by Act 90 of 2019; • Permits financial institutions to specify a week within each calendar quarter when data matching requests will be received;TImplementation of Pennsylvania Bank Data Matching Requirement to Identify Resources of Delinquent Taxpayers for Administrative Attachment by the Department of Revenue

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PA Bankers Association » Quarter 1, 2022 31• Requires the Revenue Department, Informatix and financial institutions to take all steps necessary to protect the confidentiality of records; comply with all applicable privacy and data protection laws; implement and maintain security measures to protect data from unauthorized disclosures; and disclose any breaches or unauthorized access to information and take appropriate action to address any incident within 48 hours;• Prohibits financial institutions from advising their customers that their accounts have been subject to a data matching request or that account information has been provided to the Revenue Department;• Allows financial institutions upon notice to delay the time data matching reports are required from 30 days to 45 days without the necessity to specify the reason a delay is needed; and• Established procedures to either request or waive receipt of a $250 per-quarter payment to defray the costs of participating in the data-matching program.Regardless of whether a financial institution elects to execute a data matching agreement with the Revenue Department, the institution will still be required to participate in the data matching program. Institutions electing not to execute the data-matching agreement will be requested to register with Informatix in a manner that designates a contact person to receive data-matching notices and communications; indicate the type of media it requests be used to receive and respond to data-matching requests; designate the week within each calendar quarter it prefers to receive data matching requests; and provide information regarding any service provider or software vendor it will utilize in responding to data requests.The Revenue Department has made availableasetofFAQsregardingthe data-matching program and an additional set of FAQs generated as a follow-up to a webinar conducted by the department regarding the data matching program on February 16, 2022.PA Bankers appreciates having had the opportunity to consult with the department on its implementation of this electronic process. With the assistance of our advisory committees, we made a number of suggestions not all of which are reflected in the last version of the agreement we were provided for review. The collaboration was nonetheless very helpful. ............................................................................................................................................................................................................... ......................................................................................................................................................... .......................................................................................................................................... 11 ...................................................................................................................................................................................................  ...........................................................................................................................................................................................  ............................................................................................................................................................................. ......................................................................................................................................................................................................................................  ......................................................................................................................................................................................  ............................................................................................................................................................................................................................... .....................................................................................................................................  .........................................................................................................................................................................................  ...........................................................................................................................................................................................................................................................................................................................................adINDEX

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32 » PA Bankers Association pabankers.comgovernmentRELATIONSn case you haven’t noticed, cryptocurrencies are an increasingly hot topic of conversation in this country. According to a Pew Research Center survey fielded in November, 86% of Americans said they have heard about cryptocurrencies, and 16% said they have invested in, traded or used them. Cryptocurrency use is growing particularly rapidly among younger Americans, with 31% of Americans between ages 18 and 29 telling Pew they have participated in crypto transactions. More often than not, these trades are happening through financial intermediaries—and consumers are increasingly turning to banks to hold these digital assets. In fact, I’ve heard from a growing number of bank leaders that their customers want to buy, hold and use crypto—and they want to do it through their banks. Banks have already begun making inroads into the crypto services business—offering a responsible pathway for consumers to adopt these novel financial products. Take for example Vast Bank, a community institution based in Oklahoma that recently launched a crypto custody account that bank customers can manage in their app alongside their FDIC-insured dollar account. Or QuonticBank,whichoffersacheckingproduct that provides rewards in bitcoin, offering consumers an opportunity to wade into the crypto space without buying it themselves. Large custody banks—like the Bank of New York Mellon and Northern Trust—are also developing custody services for crypto. Bank customers know they can rely on their banks to steward their finances and keep their financial data safe. A recent Morning Consult poll highlighted that banks are the most trusted among all financial services providers. Given that, it's no surprise that consumers want to receive cryptocurrency services from their bank. But don’t just take my word for it: a survey from NYDIG, a bitcoin services firm, confirmed that whopping 81% of bitcoin holders would shift their bitcoin to a bank if it offered secure bitcoin storage. Undoubtedly, this “new frontier” of cryptocurrency represents a huge opportunity for banks. But in order for banks to successfully navigate this new frontier, the bank regulatory architecture needs to catch up—quickly. More clarity is needed from the banking agencies about how banks can offer these services in a safe and sound manner. Without this clarity, the unlevel playing field between banks and the rapidly growing cadre of firms seeking to operate as banks while evading the full scope of bank regulations, will continue. There have been some positive developments, with the OCC issuing an interpretive letter clarifying its approach for approving crypto-related activities for national banks. Additionally, a report by the President’s Working Group on Financial Markets highlighted the risks of stablecoins, recommending that they be issued by insured depository institutions that are subject to consolidated supervision, and that any providers of custodial wallets be subject to appropriate federal oversight as well. For our part, ABA is taking a deep dive into what we can do to support banks’ participation in crypto and other digital assets through both our advocacy and through technology partnerships. Additionally, in December, we made an investment in NYDIG, a leading provider of bitcoin services for banks. This investment will support banks’ ability to meet customer demand in this rapidly evolving market, so that as we unlock this “new frontier” of cryptocurrencies and digital assets, consumers can continue to place their trust in America’s banks to meet their financial needs. We understand that expanding into cryptocurrency products and solutions won’t be for every bank, and that’s okay. We firmly stand with banks in their right to decide, according to their own judgment and market strategy, what products they will offer. However, even with mixed opinions on the value of cryptocurrency as an asset class or as a basis for a product set, ABA believes strongly that banks should have access to the tools, partners and regulatory frameworks that allow them to meet their customers’ needs.ICryptocurrencies: Unlocking Banking’s ‘New Frontier’ABOUT THE AUTHOR: 

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34 » PA Bankers Association pabankers.coma aheadlook  Please note: all dates and locations are subject to change.General Association PA BANKERS 2022 CONVENTION THE PHOENICIAN: A LUXURY COLLECTION RESORT SCOTTSDALE, AZ 5/12-15DEI CONFERENCE HERSHEY LODGE & CONVENTION CENTER, HERSHEY, PA4/27-28SCHOOL OF BANKING PENN STATER CONFERENCE CENTER, STATE COLLEGE, PA6/12-16PA BANKERS CLASSIC - WEST LAUREL VALLEY COUNTRY CLUB, LIGONIER, PA 6/1PA BANKERS CLASSIC - EAST SAUCON VALLEY COUNTRY CLUB, BETHLEHEM, PA. 10/19ADVANCED SCHOOL OF BANKING PENN STATER CONFERENCE CENTER, STATE COLLEGE, PA7/24-29

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38 » PA Bankers Association pabankers.comABOUT THE AUTHOR: is  with  Caughron has worked in financial markets and the securities industry since 1985, always with an emphasis on banking, investments and interest rate risk management. Contact: 800-937-2257, jcaughron@GoBaker.com.vendorARTICLESn the first trading day of 2022 the US 10yr Treasury Note yield jumped above 1.60%, then traded up another 10bps in the two subsequent sessions. That was a 35bps increase in two weeks and aligned with a similar move higher for market measures of inflation expectations. The bond market hadn’t seen a worse start to a year since 2009. It seems the market is entering the new year with the same concerns and uncertainty that plagued it for most of 2021, but with greater urgency. We’ve seen this movie before, though, and it’s clear that policymakers and investors alike need to carefully assess the strength and staying power of an inflation environment that’s unusual, but not-so-transitory.Typically, an inflationary impulse arises late in an economy cycle and is driven by an overheating economy where everything is maxed out, hitting on all cylinders, and strong demand is pulling up the general price level. That is not really what’s happening now. Instead, we’re dealing with “supply shock” inflation where COVID-induced shutdowns produce bottlenecks and sclerotic trade flows. Dock workers, truck drivers, processing personnel and other key points in the supply chain are working with reduced staffing and capacity, causing ripple effects throughout the system. So, are rate hikes and tighter monetary policy the right medicine for “supply shock” inflation as is normally the case with “demand pull” inflation? Or might a higher cost of borrowing just exacerbate the supply chain disruptions?Former Treasury Secretary Lawrence Summers recently warned of a trying period for the US economy in coming years with a risk of recession followed by “stagnation.” He fears that “we are already reaching a point where it will be challenging to reduce inflation without giving rise to recession.” Fed decision-makers are all too aware that if they move too aggressively and inflation really is just a matter of temporary supply chain problems, they run the risk of creating recession to little purpose. The Fed needs to go slow if the inflation trend is truly benign, but if it has deeper, more fundamental roots, too gradual a policy would allow inflationary psychology to become embedded in the economy risking a wage-price spiral, pushing households and firms to get ahead of assumed cost increases and resort to stockpiling. That’s the Summers worst-case scenario: a return to 1979.There can be no question that the Fed is right to accelerate the “tapering” and stop pumping liquidity into an over-liquified banking system. In their zest to prop up the economy way back when COVID was new, they characteristically overdid the job, creating way too much cheap money, distorting financial markets, and fueling asset price bubbles in speculative assets that pose serious risks going forward. The quantitative ease needs to stop. That’s the easy part of the Fed’s task. The hard part is subsequently determining when and how fast to raise rates.The flattening yield curve is a reflection of the dangerous waters the Fed must navigate. Short-term yields have risen commensurate with the expectation of multiple rate hikes. All members of the FOMC now see at least one, and some see as many as four hikes in 2022. Longer-term yields, though, have behaved differently. Despite the new year’s jump, the 10yr yield remains below its March 2021 high of 1.75%. That may change, of course, but the fact that yields in the long end have moved so slowly up to this point has allowed the yield curve to flatten and belies genuine concern about growth going forward. The Fed is indeed walking a tightrope. Let’s hope they’re able to keep their balance.The Fed’s Balancing Act for 2022

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PA Bankers Association » Quarter 1, 2022 39ABOUT THE AUTHORS: is the premier talent management site for financial industry careers, working to provide a niche platform for job seekers and employers in the financial industry to connect, grow and succeed. Visit us at banktalenthq.com.  is a SaaS-based diversity recruitment and OFCCP HR compliance technology solution company.AnyjobsplacedonBTHQareautomaticallydistributedtoCirca'snetworkof15,500+community-based organizations including women, minorities, individuals with disabilities, veterans, LGBTQIA,olderworkersandmanymore.vendorARTICLESompanies who are looking to diversify their workforce are finding that just following the Equal Opportunity Employment regulations, or EEO, federal laws is not enough. Companies need to move past just focusing on a quota, and create a diverse recruiting strategy to diversify their workforce. Having employees of many different backgrounds, with many different skill sets, can actually be advantageous for a company. And for growth industries that are seeing more competition, such as financial institutions, recruiting should be about driving top candidates regardless of their cultural background or gender.The first step in the process of acquiring a more diverse workforce is making a diversity plan. Step back and take a look at who you have working for you right now. Who or what is missing? Try to fill vacant positions from within first, if at all possible. Are certain skills or people underrepresented? Are you a global company? If so, you may want to add a more global scope with new hires. Once you have a solid idea of what you do and don’t have, you can begin the recruiting process. This is when you should also make sure that hiring managers are trained and involved in the recruitment of new employees.Now is the time to ask if your company culture really promotes diversity. This should be more about meeting EEO regulations. The most important thing to remember is that marketing your company as diverse, just like recruiting new employees, is an ongoing process. Being constantly involved in cultural diversification of your organization is the only way to show potential hires that you have more than a passing interest in them to fill a quota.Make the job description more than a description. Regardless of cultural background, a top-tier employee is unlikely to pay much attention to an online job posting if he or she is not compelled by the job or company. Describe the cultural make-up of your organization. Don’t just present a list of necessary skills and requirements for the position; rather, show your potential hires the potential that the job holds. Make them aware of what they will do on a day-to-day basis, and, if they stay with the company, what they have to look forward to.Show a potential employee what your company is about. Have a clear, concise diversity statement that ties into the vision and strategy of your organization; don’t make it seem like you’re trying to meet a quota. Stand by this diversity statement and make it prominent on your websites and advertisements. Stress the importance of diversity, both in the actual words, and the way the words are said.Use recruiting tools that are targeted to minority talent. Online job boards, like jobs.localjobnetwork.com and diversityjobs.com, can promote your job openings specifically to underrepresented groups. Additionally, connect with professional organizations that focus on the demographics of candidates you seek. Join professional networks to source potential job candidates and exhibit at career fairs that target a diverse group of candidates looking for jobs. Finding a diverse, top-tier employee is only half the battle. The interview process comes next. Be aware that when it comes to desirable employees, they are usually interviewing you as much as you are interviewing them. The point of a job interview should not be simply to assess a potential hire’s competency, but to see if the challenges that you are offering are relevant to previous work, and if the employee’s individual skills, characteristics, and life experience will help him or perform better in the workplace. The candidate must earn the job and must want the job just as badly as you want to offer it to him or her.The significance of diversity in the workplace is sometimes overlooked; this means that top-tier hires can get lost in the mix, and their talents and experience get lost as well. It’s imperative to push forward, even after hiring a top-tier employee; don’t just stop at one. Treat recruitment just like anything else: an ongoing, dynamic process.Diversity Recruiting: Recommitting, Reimagining and Refocusing Your Workforce Diversity Strategy

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40 » PA Bankers Association pabankers.comvendorARTICLESHOMEWARD BOUND?If You Are Thinking Of Redesigning Your Ops Center To Cater For Remote Employees, Think Again.As the country continues to battle the ongoing conditions of a global pandemic, many practices that seemed foreign to the workforce over a year ago have quickly become routine. From virtual happy hours to virtual learning, households were left scrambling to nd new ways to continue the old way of life. The initial shock and awe of what seemed to be temporary concessions have quickly worn o, paving the way to new behaviors that appear to be here to stay. In hindsight, we all could have benetted largely from investing in Zoom two years ago. Seemingly the most dominant among these behaviors is the new drive to work remotely. Working remotely isn’t actually new, but it has never had as much of an impact on our society as it does today. As the pandemic spread, businesses were forced to close, and employees were quickly scrambling to establish make-shift oces in every nook and cranny of their homes. Residential WiFi plans were tested to their full extent as calendars quickly began to pile up with virtual meetings. But once the dust settled and routines were established, this “new way of life” had workers across the country wondering why it took us so long to get here. At rst, it certainly seemed like a win-win. Employees raved about better work-life balance, no morning commute riddled with trac, and the opportunity to work in comfortable clothes. From an employer standpoint, it looked like an opportunity for cost savings. As production remained (and in some cases, even ourished), companies quickly realized that the space they accumulated over the years to account for growing department teams simply was no longer needed – their employees could produce the same caliber of work without being a drain on resources. Companies even began re-evaluating their business models. Happier employees taking up less space meant less overhead with seemingly greater production. Yes, on the surface it was, in fact, a win-win. But once that surface was scratched, a clearer picture of the long-term eects of remote work appeared. Productivity began to slip as at-home distractions played a bigger role in day-to-day lives. The strain on businesses to provide adequate tools to their employees to be able to complete their job functions from

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PA Bankers Association » Quarter 1, 2022 41home was apparent. Mental health issues also arose due to isolation, loneliness, and the inability to separate from work at the end of the day. One of the biggest challenges employers were faced with was a lack of culture that negatively aected production, due in large part to the isolation. Cathy Bessant, Vice Chair of Global Strategy at Bank of America told CNBC “We are denitely a company that has a work from oce culture. The reason for that is the informal collaboration that you’re talking about, we believe produces a better and more sustainable outcome.” JP Morgan CEO Jamie Dimon doubled down on that concept in his last annual letter to shareholders. “There are some aspects of in-oce work and in-person relationships that Zoom simply cannot recreate.” He continued, “remote work virtually eliminates spontaneous learning and creativity because you don’t run into people at the coee machine, talk with clients in unplanned scenarios, or travel to meet with customers and employees for feedback on your products and services.”Within a few months, the CEO was annoyed and vocal about his frustrations. “I’m about to cancel all my Zoom meetings. I’m done with it,” he stated.The negative outcome of the work-from-home campaign was not anything new to the nancial industry. Earlier last year, Goldman Sachs’ CEO David Soloman referred to working from home as “an aberration.” Certainly, the struggle to navigate through uncharted waters left CEOs across the industry with one thought in mind: get employees safely back into the oce as soon as possible. The health and safety of employees are still very much in the forefront of minds. However, in the last year or so, technological advances, cosmetic additions, and state mandates all played a key role in maintaining a safe working environment, even in the middle of a global pandemic. Infrared temperature scans upon entry, isolated oces, plexiglass separators, and masking all played a major role in bringing millions of workers around the world back into their productive oce environments safely. Simple additions to the oce, as well as stringent social distancing policies, enabled the workforce to return to a pseudo-normal life – to some extent. Especially as we think post-pandemic, the return-to-work mantra has been a goal of companies and corporations globally as they look at their long-term strategies. But even in the short term, you would suspect that design-build rms would be seeing requests to downsize space due largely in-part to a mix of current trends and pandemic fallout. However, it’s actually the opposite. Owners are seeing the need to get their employees safely back into the oce, and because of this, the push has been to increase overall size.What the industry is seeing is the push towards adding more common areas to give employees everything they need beyond a desk. Fitness centers, cafeterias, lounges, and wellness areas all play a role in the new ops center. By increasing the ops center’s footprint, nancial institutions can provide all of these benets with more space to safety execute social distancing.The bottom line? Before you reduce your main oce or operations center’s footprint to address the work-from-home dilemma, think about your long-term strategy. Plan for the post-pandemic stang levels to return to normal. Never lose sight of the positive impact that working in an oce has on your company’s culture, and the role it plays in driving productivity. Know that this too will pass, and once the novelty wears o (hopefully along with the pandemic), your operations center will need to be set up to hold that growing department team. At the end of the day, those water-cooler talks proved to be a lot more valuable than any of us had thought. byJames G. Caliendo President & CEO PWCampbellJames G. Caliendo is a former bank executive and now President and CEO at the 112 year old design-build and retail services rm. In the past 22 years alone, under Jim’s direction, PWCampbell has worked with over 500 nancial institutions inuencing millions of square feet of retail and operational space to create engaging, impactful and scalable solutions for every sized facility project. Jim is viewed as an industry leader with bankers on the reimagination of their retail delivery services network.

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42 » PA Bankers Association pabankers.comvendorARTICLESBENEFITS OF DATA ANALYTICS1. Save Valuable TimeThe oft-quoted aphorism ‘time is money’ rings true for your institution. Fortunately, an investment in data analytics streamlines operations and saves you time. The right data solution organizes data, creates spreadsheets, and frees up the gray space in your organization. You can quickly find what you’re looking for and reduce human errors that take major costs to fix. Your employees get more time in their day back, and they can focus on the tasks that mean the most to your institution’s success. Instead of organizing and sifting through data at their desk, employees can spend more time analyzing the information, making strategic decisions, and communicating with customers or members.2. Secure Compliance and Risk Management FeaturesData analytics improves the overall security of your institution. The regulatory environment for financial institutions is complex, and regulatory non-compliance leads to major fines for banks and credit unions. Data 7 Ways Financial Institutions Can Benefit From Data Analyticshere is a pervasive data conundrum throughout the financial services industry. Banks and credit unions have an inordinate amount of data, but there remains incredible, untapped opportunities held back by antiquated and siloed data solutions. In this article, we’ll discuss the benefits of data analytics and why it’s essential for banks and credit unions to invest adequate time and resources into finding the right solution. T

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PA Bankers Association » Quarter 1, 2022 43analytics incorporates technology into your compliance and risk management processes. This technology improves the security of your bank by reducing the likelihood of human error and quickly detecting potential cases of fraud for your customers or members. 3. Increase Visibility Data silos in banks and credit unions are a result of outdated data solutions. Miscommunication and misinformation can spread when only a few people or departments have access to the full set of data. Data analytics solutions, such as enterprise dashboards, give financial institutions the ability to see their full institution clearly. When everyone has access to the same information, whether it be individual branch performance or loan reports, it improves customer service, internal communication, and overall efficiency.4. Cut Down on CostsThere is a high cost of bad data. Bad data can be inaccurate, duplicative, incomplete, inaccessible, or unusable. If your bank or credit union isn’t storing or managing collected data appropriately, you could be wasting valuable company resources. Beyond data management costs, your financial institution could be incurring bad data costs through inconclusive, expensive marketing campaigns, increased operational costs that distract employees from important initiatives, or customer attrition. Bad data can have many negative impacts, but an updated enterprise data solution keeps employees up-to-date and can reveal new growth opportunities.5. Create Detailed Customer ProfilesAll financial institutions want to know their customers or members better. Data analytics helps generate detailed profiles that reveal valuable information such as spending habits and channel preferences. With these profiles, you can create highly specific segments and pinpoint timely cross-selling opportunities. With the right data solution, it’s easier to gather actionable insights that improve customer or member experience and increase profitability.6. Empower Employees and Customer Experience Empowered employees feed into improving customer experience, and happier customers contribute to empowering employees. A powerful part of this cycle is data analytics. Data analytics produce actionable insights that save employees’ time so they can focus on what is most important. Based on data, your institution can send timely, relevant messaging based on customer-expressed preferences and interests. 7. Improve Institution PerformanceWith more time to connect with customers, employees can build a deeper understanding of their financial needs and improve your institution’s performance. The right data analytics solution leads to a more productive and profitable financial institution. In our increasingly competitive financial landscape, employee and customer experience are vital to your institution. Customers expect seamless communication and digital experiences that are secure and intuitive, and employees appreciate work environments where their work contributes to its overall success. Using your data to its fullest potential allows your organization to make better strategic decisions, identify and act upon growth opportunities, and focus on your customers.With data solutions like KlariVis, you can see your institution and your data clearly for the first time. To learn about more benefits for your financial institution, visit our solutions page.ABOUT THE AUTHOR: 

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44 » PA Bankers Association pabankers.comvendorARTICLESn early December, the U.S. Financial Crimes Enforcement Network (FinCEN) issued a Notice of Proposed Rulemaking implementing Section 6403 of the Corporate Transparency Act (CTA), which gives the public until February 7, 2022, to review and comment on the proposed rules. According to the proposed rulemaking, the ability to operate through legal entities without requiring the identification of beneficial owners is a key risk for the U.S. financial system. Therefore, the CTA seeks to set a clear federal standard for incorporation practices, protect vital U.S. national security interests, protect interstate and foreign commerce, better enable various law enforcement agencies to counter illicit activities and bring the U.S. into compliance with international standards. These rules, if enacted, would add a number of government reporting requirements to certain entities and financial institutions could have access to this information which could possibly ease the burden of customer due diligence.The purpose of the CTA is to curtail illicit use of the U.S. financial system by forming a centralized government database of beneficial ownership information that certain institutions and the government could access. To create this database the proposed rules would require certain entities to report specific information about their “beneficial owners”, as FinCEN looks to eventually create a beneficial ownership registry. Banks with customer due diligence requirements are very familiar with “beneficial owners” as they are currently required to collect such information at account opening.FinCEN defines a "beneficial owner" as every individual who, directly or indirectly, through contract, arrangement, understanding, relationship or otherwise, exercises substantial control over the reporting company or owns or controls at least 25 percent of the ownership interest of the reporting company. The proposed rules set forth three indicators of "substantial control": (1) service as a senior officer; (2) authority over the appointment or removal of any senior officer or dominant majority of the board of directors (or similar body); and (3) direction, determination, or decision of, or substantial influence over, important matters of a reporting company. The proposed rules also include a catch-all provision clarifying that substantial control can take additional forms not specifically listed.In addition to the beneficial owner information, the proposed rules require reporting companies to report identifying information about each "company applicant." A "company applicant" is a person who files a document that creates a domestic reporting company or who first registers a foreign reporting company with a secretary of state or similar office in the U.S. Additionally, the proposed definition of a company applicant includes any person who directs or controls such filing by another person.Any company newly formed or registered on or after the effective date of the regulations must file a report within 14 calendar days from its date of formation or registration. Companies that have been formed or registered prior to the effective date of the regulations are required to file a report within one year from the effective date (the proposed rules shorten this filing deadline from two years in the CTA). Further, companies have an affirmative obligation to update the information they provided to FinCEN within 30 days of any changes in the information. This includes changes with respect to the identity of a beneficial owner, as well as changes to the information reported for any beneficial owner or company applicant.Collecting this information is intended to help prevent and combat money laundering, terrorist financing, tax fraud FinCEN Seeks Comments on Changes to Beneficial Ownership ReportingI

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PA Bankers Association » Quarter 1, 2022 45and other illicit activity, FinCEN said in its notice of proposed rulemaking but, how will these proposed reporting requirements affect community banks? Under FinCEN’s existing regulations, covered financial institutions have the requirement to collect and verify beneficial ownership information from their customers, and maintain records of such information. But until now their customers, which may include individuals and companies of varying sizes, did not have to report such information to the government. The CTA makes companies subject to such beneficial ownership reporting requirements and financial institutions will have access to this information. The availability of beneficial owner information to financial institutions with customer due diligence obligations would be practical and useful. For instance, financial institutions could use beneficial owner information for other customer identifications purposes, and reporting companies could pre-approve specific financial institutions that should have access to their information.Comments on the proposal will be due on Feb. 7. FinCEN is planning additional rulemakings to implement the CTA, including establishing rules for who may access beneficial ownership information through the database and what safeguards will be put in place to secure and protect the data, and revising the customer due diligence rule to reflect the new beneficial ownership reporting requirements. FinCEN is also in the process of developing the database infrastructure that will house the beneficial ownership information.ABOUT THE AUTHOR:  serves  as an  Roger brings a combination of unique experiences to C/A that he uses to provide guidance on a wide variety of regulatory and compliance issues. Prior to C/A, he worked for one of the largest law firms in the south-central United States based in its Lexington, KY office, where he was a member of the firm’s Real Estate and Lending Team. In that role he concentrated his practice on commercial lending transactions and the sale, acquisition, leasing and development of commercial property. Roger also counseled clients on banking law, estate planning, estate and trust administration, and general business matters.Roger graduated from the University of Kentucky College of Law, where he served as Managing Articles Editor of the Kentucky Law Journal, the state’s premier law publication. During law school he worked for the Kentucky Personnel Cabinet, where he worked on a variety of compliance and policy issues. He also graduated summa cum laude from the University of Kentucky with a Bachelor of Arts in Economics.Welcome• 360 View - inBusiness Services, Inc.• Alerus Retirement & Benefits• Black Knight • EchelonRisk+Cyber• ICI Consulting• Knowles Insurance• Macha• NewGround• RCGiltner Services, Inc.• The Galbreath GroupAFFILIATE MEMBERS:NEW TO PA Bankers

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46 » PA Bankers Association pabankers.comBANKERS ALLIANCE*A Family of Bank Compliance ServicesThat Includes Compliance Alliance,Review Alliance andVirtual Compliance OfficerWayne Whipple, (717) 255-6925wwhipple@pabankers.com  PA Bankers Members *Vendors provide products and services to both financial institution members and Affiliate Members.ABA INSURANCE SERVICES*Bond, D&O, Cyber Insurance, andEmployment Practices LiabilityPatricia Williams, (216) 220-1280pwilliams@abais.comACCUME PARTNERS*Outsourced Internal Auditingand Risk Management ServicesNicole Lloyd, (717) 903-3142nlloyd@accumepartners.comANDERSON GROUP*Integrated Marketing andCommunications andBusiness IntelligenceLinda Anderson, (610) 678-1506LAnderson@ThinkAnderson.comAPPI ENERGY*Electricity and NaturalGas Procurement Services, UtilitiesManagement PlatformMargo Madden, (667) 330-1239mmadden@appienergy.comEVOLV*Merchant Processing, Search EngineOptimization, Website Design and SocialMedia ManagementJoy West, (540) 235-7111Jwest@poweredbyevolv.comBANZAI!*Interactive, Award-Winning CourseTeaching Students Real-WorldFinance, No Upfront CostJake Finlinson, (214) 417-9426jake@teachbanzai.comNEW ERA TECHNOLOGY*Managed Service Provider for Voiceand Data CommunicationChristian Ericson, (973) 474-1828christian.ericson@bitsnetwork.comCOMMONWEALTH CHARITABLEMANAGEMENT*Application and Administrationof EITC ProgramsCristine Clayton, (570) 278-3800cclayton@commonwealthcharitable.orgTHE BAKER GROUPAsset/Liability ManagementSoftware and ServicesCharles Amis, (405) 415-7231Charlie@gobaker.comBANK HEALTH CARECONSORTIUM OF PA*43 Banks Received Credits inSurplus of Over $16.7 Million in2020 With an AverageNet Funding Increase in Single Digits.Wayne Whipple, (717) 255-6925wwhipple@pabankers.comBANKTALENTHQ*Diversity is Essential -Find Talent in all the Right PlacesWayne Whipple (717) 255-6925wwhipple@pabankers.com

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PA Bankers Association » Quarter 1, 2022 47PAYLOCITY*HCM Solutions andEngagement SoftwareLisa DeJoy, (717) 303-7663ldejoy@paylocity.comTHE FULCRUM GROUPINTERNATIONAL, INC.*Reviewing, Re-Negotiating andBidding Check Printing RelationshipTed Amon, (770) 736-5787ted@thefulcrumgroupintl.comNFP EXECUTIVE BENEFITS*BOLI, Executive Compensationand Long-Term CareDavid Shoemaker, CPA/PFS, CFP®(901) 754-4924david.shoemaker@nfp.comDEALERTRACK COLLATERALMANAGEMENT SERVICES, INC.Electronic Lien and Title ProgramWayne Whipple, (717) 255-6925wwhipple@pabankers.comVendor selections and recommendations are made in accordance with PA Bankers Services Corporation’s stated mission. It is believed that the promoted products and services merit strong consideration by PA Bankers member banks. PA Bankers Services Corporation due diligence and selection criteria should not be construed as a guarantee, as the ultimate appropriateness may vary from bank to bank. In addition, member banks are encouraged to conduct their own due diligence reviews of recommended vendors. Remuneration received by PA Bankers Services Corporation is utilized in-part to support the PA Bankers Association through contracted agreements, corporate sponsorships and overhead coverage. This financial support expands resources and strengthens the services and programs of the PA Bankers Association.CORNERSTONE ADVISORS*Core, Debit EFT, Card Program, LoanOrigination, Bill Pay, Mobile Banking &ATM Contract NegotiationJennifer Wagner, (480) 425-5204jwagner@crnrstone.comGRADIENT CYBER*Automated CAT Tool & DigitalForensic Investigation, NetworkConsensus CybersecurityChris Warman, (412) 600-7860cwarmanjr@gradientcyber.comNCONTRACTS*Integrated Compliance,Vendor and Risk ManagementNick Radocckia, Vice President Sales (781) 424-4650nick.radocckia@ncontracts.comDELUXE CORPORATION*Check ProgramTodd Wroblewski, (724) 625-5599todd.wroblewski@deluxe.comGLOBALVISION SYSTEMS, INC.Anti-Money LaunderingCatherine Lew(818) 998-7851 x128clew@gv-systems.comINVESTORS TITLEINSURANCE COMPANYMulti-Bank Owned TitleInsurance ProgramKaren Barnett, (419) 577-5900kbarnett@invtitle.comTHE KAFAFIAN GROUPPerformance MeasurementRobert E. Kafafian(973) 299-0300 x106rkafafian@kafafiangroup.comKEYSTATE CAPTIVE MANAGEMENTCaptive Management andInvestment Portfolio ServicesBrian Amend, (302) 425-5158bamend@key-state.comPWCAMPBELL*Planning, Design Coordinationand Construction ManagementErin Campbell, (800) 253-7430erin.campbell@pwcampbell.comKLARIVIS*Data Analytics Solution Designed by Bankers for BankersAmber Robinson, (603) 860-3162amberrobinson@klarivis.comL.R. WEBBER*Multiple Medical, Drug, Dental &Vision Options and EB SolutionsBrad Webber, (814) 695-8066bwebber@lrwebber.comCRA PARTNERSReceive High-Yielding CRA CreditTerry B. Rooker, (901) 529-4781terry.rooker@SHCPFoundation.org

paBanker Magazine 2022Q1

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