March 27, 2009  

Take Action Now: File Comment on FDIC Special Assessment by April 2
If you haven't done so already, we strongly encourage you to file a comment letter on the FDIC's proposed rule to impose a special one-time 20 basis point assessment on banks to replenish the deposit insurance fund. The deadline for comment is April 2. This issue continues to evolve. Although Georgia Senators Isakson and Chambliss supported a procedural amendment that would have increased the FDIC’s borrowing authority to $100 billion and thus enabled the agency to reduce its special assessment, the votes weren't there to get the bill passed. We are optimistic this will be remedied as the legislation stands a good chance of passing. Also this week, the Treasury's new plan to establish markets for troubled loan and securities assets offered some possible assistance for rebuilding the deposit insurance fund and could reduce the need for such a special assessment.  

FDIC - 75 yearsFDIC Chairman Bair said during a conference call offering a technical briefing on the program, that the program does not put the Deposit Insurance Fund at risk and may actually strengthen it, since FDIC will collect fees for guaranteeing debt issued by the buyer of the legacy loans. "It is so important that the FDIC hear what you have to day about this, so please take a couple of minutes to file a comment with them," said Joe Brannen, GBA president and CEO. For reference, here's a link to the comment letter GBA filed last week. It's easy to file your own comment by using ABA’s automated system, available on our GBA web site and the ABA web site. You do not have to be an ABA member to use this system.

Legislative Update: Legislature in Final Days – Budget Still Principal Focus

The Georgia General Assembly is still scheduled to adjourn for the year next Friday. The budget continues to dominate much of the discussion as the state’s declining revenues seem to be unabated. There are still a number of major initiatives unresolved such as transportation funding and whether to eliminate the Georgia Department of Transportation Board. Several bills of interest to bankers received action this week:

  • With all the major issues facing our legislators, who would have thought we would be spending any time debating a bill that would require banks to provide facilities to house gold and silver and require any payments made to or from the state of Georgia be made with gold or silver? But that legislation was the subject of a House Banks and Banking subcommittee meeting this week. The author of the bill, Rep. Bobby Franklin, put together a witness list of academics, students, individuals and a coin dealer to support the concept. In testifying before the subcommittee, GBA President Joe Brannen said to the subcommittee at the conclusion of his statement, "We encourage you to carefully consider your options. Frankly, we see no benefit in pursuing this idea and trust you do as well.” Here's an article from the Atlanta Business Chronicle discussing the bill. George Selgin, the BB&T Corp. chair of free-market thought at West Virginia University and an expert on the history of currency standards and monetary theory is quoted as saying, “... after reading over it, I have to think this bill is a bit kooky.”

  • We have been following legislation that amends the Georgia Fair Lending Act. Several committee meetings were chaired by Rep. Mike Jacobs on the bill this week. It’s been tabled, defeated and resurrected – all in the House Judiciary Committee. The latest version of the bill bars yield spread premiums which would essentially put mortgage brokers out of business as their principal source of income, yield spread premium, is prohibited. Banks are still exempted from the provisions, but stay tuned.

  

Two bills we have been following have received final action in the Senate and are now on the way to the Governor.

  • Sen. Judson Hill handled floor consideration of the Uniform Electronics Transaction Act (UTEA) which provides standardization of many rules related to electronic transactions, including retention of paper records such as checks, and the validity of electronic signatures. The bill supports the validity of electronic contracts as a viable medium of agreement compared to traditional paper processes.

  • Also passing the Senate was legislation handled by Sen. Bill Hamrick commonly called the S.A.F.E. Mortgage Licensing Act.  The bill, introduced at the request of the Banking Department, allows Georgia to participate in a nationwide network of licensing and registering mortgage originators. Employees of banks originating mortgages will simply have to be registered. The legislation is a federal mandate.

  • If you’ve been following our Legislative Updates, you will remember legislation was pending that required renters to receive notice of pending foreclosures, and also required deeds to be filed on foreclosed properties. Sen. David Ralston’s Judiciary subcommittee changed the bill removing the renter notification and to require that deeds on foreclosed properties be filed within 90 days.

  • Sen. Chip Pearson handled a house-passed bill that gives home buyers a one-time tax credit of either $3,600 or 1.2 percent of the purchase price, whichever is less. The bill is designed to create a stimulus for home sales and now goes to conference with the House.

  • Another bill sponsored by Sen. Pearson requires the value of foreclosed properties or distressed sales of bank owned properties be factored into valuations for tax purposes. The bill was reported out of the Ways and Means Committee.

With questions, please contact GBA’s Elizabeth Chandler, 404.420,2027 or Joe Brannen, 404.420.2026.
Franklin Jacobs Hill Hamrick Ralston Pearson

Federal Home Loan Bank of Atlanta Requests Help on FASB Comments

In response to the recent proposals published from the Financial Accounting Standards Board (FASB), the GBA plans to issue a comment letter by the April 1 deadline. Additionally, we will include recommendations from the FHLB of Atlanta on the proposals, and you are encouraged to do so as well. A draft comment letter is attached as drafted by the FHLB of Atlanta,

   which you may tailor to your bank and send to the e-mail address on the draft letter. These recommendations would provide both clarification and enhancements to the proposals on mark-to-market and Other Than Temporary Impairment (OTTI). With questions, please call Elizabeth Chandler at 404.420.2027.
Reminder: File Comments to Overdraft Regulation Changes by March 30

Don’t forget to file comments about the proposed changes to Regulation E that would prohibit banks' ability to pay overdrafts for customers for point of sale transactions and ATM withdrawals. This issue has been in the news this week in articles by the Wall Street Journal and USA Today. We continue to encourage consumers to record every transaction and keep their account register current as the easiest ways to avoid any overdrafts. Bank overdraft charges are designed to serve as a 

  deterrent from people writing bad checks, which account for the most common form of check fraud. A recent ABA survey indicated that 80 percent of consumers paid no overdraft fees in the past year. Of those who did pay an overdraft fee, 85 percent said they were glad the payment was covered. The Federal Reserve is taking comments on the proposal until March 30. Click here to file your comments electronically. With questions, contact Elizabeth Chandler, 404.420.2027.

OCC: Make Loans to Good Borrowers, Turn Down Bad Loans

The U.S. House Financial Services Committee held hearings Wednesday that aired thoughts about the effects of various stimulus plans and regulatory direction being given to banks. An ABA witness testified to the mixed messages that banks and consumers are getting about the programs. "Overly-aggressive attempts to wring out risk from bank loan portfolios will mean that only the very best credits will be funded,” said Steve Wilson, Chairman and CEO of LCNB National Bank in Lebanon, Ohio, and Chairman of ABA’s Government Relations Council. “This is

  clearly contrary to the current public policy goals to facilitate an economic recovery.” At another point in the hearing, the OCC’s Tim Long, Senior Deputy Comptroller, recognized that despite lots of challenges, banks do continue to make loans to creditworthy borrowers. He also gave a pretty clear guidance statement during his testimony. “Make loans that you believe will be repaid; don’t make loans that are unlikely to be repaid; and work constructively with borrowers who may be facing difficulties with their obligations, but recognize repayment problems in loans when you see them.”
State’s Southeastern Banks Gather for Georgia Southern Banking Symposium

Representatives from most of the banks in GBA’s Group 1 (Southeast Georgia) took part this week in the third-annual Georgia Southeastern Region Community Bank Symposium. Georgia Southern University’s Center for Excellence in Financial Services organizes and hosts the event, which included presentations from asset-quality expert Steve Powell, Mercer University economist Roger Tutterow, FDIC Assistant Regional Director Tim Hubby, Porter, Keadle, Moore's Tim Keadle and GBA’s David Oliver. A few nuggets from the day: Powell highlighted the ongoing deterioration in asset quality throughout the state and encouraged the area’s banks to focus on long-term relationship banking – loans and deposits. Tutterow said he thinks we’re at the bottom of the housing correction, with flat to sideways movement going forward for the next few quarters

  unless there's a major increase in foreclosures. Hubby outlined some of the focus areas for examiners, including strongly encouraging banks to have detailed, robust contingency plans for liquidity. David talked with the bankers about the key issues GBA is working on to support our members during these troubling times. Ed Sibbald, director of GSU’s Center for Excellence in Financial Services, and his students do an excellent job to organize the event. They also provide each bank in the region with a detailed analysis of the region’s performance and their bank’s performance in comparison. We appreciate Ed and the University’s work on behalf of our Group 1 banks.
GBA In the News: Commenting on the Bad Asset Plan

The Treasury Department’s latest plan to deal with troubled assets being held on banks’ balance sheets drew lots of attention this week. Everyone is still looking over the details and trying to determine if and how the plans will help. At first glance, there are a few things we see as potential benefits. The plan has a component to deal with actual loans and pools of loans, not just securities based on loans. All banks will be able to participate in the Legacy Loan component. And,

  perhaps the auction process for the loans will help avoid complete bottom-of-the-barrel pricing that further depresses real estate values. GBA provided comment to several media outlets about our first take on the announcement, including the Savannah Morning News and Atlanta public radio station WABE. Find links to details of the plan from the GBA home page or www.financialstability.gov. The FDIC is seeking public comment from interested parties on the critical aspects of the LLP. Comments are requested no later than April 10.
Crystal-Ball, Future-of-Banking Session an Annual Convention Highlight

Why predict the “Future of Banking” when that very future is threatened by a raging economic crisis? Because there is no better time to map the future than when fear abounds, as fear cuts through complacency, sharpens focus and brings opportunity into brilliant relief. With crisis comes choice, and for those banks with the foresight and fortitude to choose fight over flight, the future beckons with prospects aplenty. Join Lee Wetherington of Goldleaf Financial Solutions in Hahira for an unorthodox take on the trends, challenges, and opportunities ahead in the banking industry. The 2009 Annual Convention is June 15-16 at the Renaissance Waverly Hotel in Atlanta. A

  block of rooms has been reserved at the hotel at a reduced rate of $159 a night for single or double occupancy. Call the hotel directly to make reservations, 888.391.8724 or 770.953.4500. Be sure to say you are with the Georgia Bankers Association to get this special rate. The reservation cut-off date is May 22. We mailed brochures this week so be looking for your copy. With questions about the Convention, please contact GBA’s Susie McGehee at 404.420.2010.
Bank Simulation: An Integral Part of Georgia Banking School

The majority of the third-year curriculum at the Georgia Banking School is centered on a bank simulation in which students are members of management teams responsible operating a medium-sized bank. This is great hands-on learning, and a highlight of the program. Students learn by developing and implementing policies in the areas of loans, securities investment, deposits, funding sources, and capital. They face competition from other financial institutions operating in the same community and are subject to a changing economic environment. The major purpose of this simulation is to

  develop an understanding of the complexities of managing banks in a dynamic economy and of the need for an integrated, consistent set of policies to maintain the growth, profitability, and safety. This year’s session of the Georgia Banking School will take place May 3-8 at the University of Georgia’s Center for Continuing Education in Athens. For more information, please contact Marybeth Jones at 404.420.2032.

Rural Development and Lending Conference

Analyzing Tax Returns for Ag-Based Taxpayers to be a Hit Session

Join Ron Mitchell with Mauldin & Jenkins, LLC as he discusses some of the unique issues related to agricultural type tax returns, including the differences between cash and accrual basis, tax returns with information flowing thru on K-1's from S-Corps, LLC's and Partnerships and some of the income deferral and expense acceleration techniques used by agricultural

  based taxpayers. This year’s Rural Development and Lending Conference will be May 14-15 at the Savannah Riverfront Marriott. For hotel reservations, please call the hotel directly at 912. 233.7722. For more information, please contact Marybeth Jones at 404.420.2032.
Popular Roundtable Discussions Featured at Leadership Conference

With the unprecedented challenges facing us today, it is critical to learn about today’s critical issues and build professional relationships with your peers. The Leadership Conference’s Roundtable Discussions, led by Darron Burnette with Sea Island Bank in Statesboro, will help you gain AND share knowledge on timely topics that can help you and your bank be

  successful. The conference will be July 12-15 at Amelia Island Plantation in Amelia Island, Florida. Be sure to take advantage of the $395 early bird registration fee by registering before April 15. With questions about the conference or Leadership GBA, please call GBA’s Susie McGehee at 404.420.2010 or Jennifer Stevens at 404.420.2024.

Last Chance to Sign up for the Storm Water Seminar: only $99! – April 2

If your bank has been affected by costly environmental liability or is responsible for foreclosed properties, this one-day seminar will cover an overview on the stringent new environmental requirements. Learn about which environmental requirements affect your financial institution’s liability. O’Brien & Gere Engineers, Inc. and Womble Carlyle Sandridge & Rice will lead this seminar. Special guest, Dr. Bert Langley, Georgia EPD, will also speak and answer your questions. GBA’s

  Foreclosed Property: How to Manage Storm Water and Other Environmental Requirements seminar, Thursday, April 2, will be at Womble Carlyle Sandridge & Rice in Atlanta. The registration fee is $99. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
Lenders: Loan Documentation Seminar Covers All the Basics

Designed for loan officers, loan administrators and credit administrators at every level, this one-day seminar will cover the basic topics including how to document the condition of the collateral, the condition of the title and the condition of the borrowers and guarantors. Keep your records in compliance and your customers satisfied by keeping up to speed with the

  basics of loan documentation. Thompson Kurrie, Jr. and Harrison Coleman, partners with Coleman Talley, LLP in Atlanta are the instructors. The seminar is Wednesday, April 8, at Idle Hour Country Club in Macon. The registration fee is $225. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
How to Analyze Commercial Financial Statements - April 14-15

Topics to be discussed in this two-day workshop include cash-flow analysis, financial projections, case studies for practical application of concepts and much more. Emphasis is placed on a practical methodology to help bankers evaluate a company’s creditworthiness. Designed for entry-level commercial lending officers, credit trainees and analysts, this workshop will

   introduce commercial financial statements. Mike Allen, President and CEO of Georgia Trust Bank in Buford, is the instructor. GBA’s ACFS Seminar is April 14-15 at Idle Hour Country Club in Macon. The registration fee is $325 for members. With questions or to register, please contact GBA’s Courtenay Pope at 404.420.2015.
Legal Issues for New Account Documentation: Two Sessions Available

Designed for new accounts representatives, back-up new account personnel, certificate of deposit staff, bookkeeping and accountholder service personnel, this one-day seminar will teach new account personnel proper account opening procedures and compliance requirements. Topics to be covered include signature card contracts, CIP Compliance overview, TIN compliance, individual accounts and much more.

  Patrice M. Konarik of Sunwest Training Corp. in Kendalia, Texas will be presenting. The seminar is Tuesday, April 28, at Holiday Inn Lanier Centre in Gainesville and Wednesday, April 29, at Idle Hour Country Club in Macon. The registration fee is $225. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
Webinars: Capital Lines of Credit and the Three Biggest Concerns for Residential Lenders
Just a reminder that GBA will offer the following webinars the week of March 30:   All webinars are live and allow time for questions and answers. The $250 registration fee gives you access to one web site “seat,” one telephone site license and all handout materials. If you can’t attend the webinar, you may buy the audio CD, handout materials and a password to see the information online. With questions, please call GBA’s Courtenay Pope at 404.420.2015.
Teller Skills, Ag Lending, Managing Investment Portfolio, Trust Operations Highlight AIB Offerings

The following instructor-led AIB online classes begin the week of April 20. These courses are instructor-facilitated with weekly assignments, and can be taken from the comfort of your home or the convenience of your office. All you need is a computer, printer and Internet access. (Classes with an asterisk * require Microsoft Excel Software.) Please register two weeks in advance to secure a seat in the class.

  

There is still availability in the following AIB Online classes beginning April 13. Please register as soon as possible to secure a seat in the class.

Please see the AIB Online Course Schedule for a complete listing or call GBA’s Alison Moreau at 404.420.2034 with questions.
Spring AIB Classroom Course: Accelerated Principles of Banking

Beginning Tuesday, April 7, AIB will offer its Accelerated Principles of Banking course. The course will meet for 10 sessions over a five week period and will be taught by Larry Townsend of The Commercial Bank, Winterville. Class will meet every Tuesday and Thursday from 6-9 p.m., ending May 7.

  The registration fee is $260, which includes the cost of the textbook. If you would like to see a specific AIB course offered in your area or if you have questions about AIB classroom courses, please call GBA’s Alison Moreau at (404) 420-2034.
Take Advantage of Top-Notch Compensation and Benefits Consulting

Many of our members know the associates of the Holmes-Shaw Agency, who market our Health, Life and Dental Benefits for the GBA Insurance Trust. The Holmes-Shaw Agency has entered into a partnership with Comprehensive Corporate Strategies (CCS) to provide a full array of employee benefit solutions that have proven highly effective at attracting and retaining the best employees and executives. More importantly, Holmes-Shaw/CCS offers banks attractive financing strategies to reduce the effect of executive benefit programs. Holmes-Shaw/CCS provides Executive & Director Benefit Plans, BOLI Financing Strategies & Annual Reviews, BOLI Audit Services, Analysis of Existing Supplemental Benefit Plans and Independent Regulatory Compliance & Administration.

   Holmes-Shaw/CCS also specializes in designing and implementing executive retention programs. In light of the recent turmoil in the banking industry, it is imperative that banks retain their key management staff to be successful. Direct compensation and stock option programs have lost some of their luster. The innovative programs from this GBA Strategic Partner allow banks to develop attractive compensation incentives keyed specifically to long-term performance. For more information, please contact Holmes-Shaw/CCS’s Steve Roy at 770.645.2022 or GBA’s Levi Crabtree at 404.420.2022.
Human Resources Solutions that Ensure Compliance with Employment Law 

Keeping up with ever-changing employment regulations and human resources best practices can be time consuming. Make it easy on your bank by working with Employment Law Compliance, Inc., a Strategic Partner of the Georgia Bankers Association. Employment Law Compliance is our primary resource to provide employee handbooks, toolkits, affirmative action plans, and other compliance products specifically designed for community banks. Monitoring changes specific to the banking industry adds even more effort to the task.

  Employment Law Compliance focuses on the needs of community banks that do not have the luxury of a large HR staff or in-house employment counsel. Their staff is committed to designing and maintaining solutions and services that can help your bank attract, hire, retain and manage the best employees. For more information, please contact ELC’s Steven Greene at 770.206.3371 or GBA’s Levi Crabtree at 404.420.2031.
For Sale

Century Bank of Georgia has a 7766 NCR Single Pocket Proof Encoder for sale. Price is $2,500.

  For more information, please contact Tamara Knight at 678.721.2009.
Find a Job, Post a Job with GBA Job Bank
The Georgia Bankers Association offers free job posting resources for our member banks.  These listings can be viewed online or through our bi-weekly publication included in the GBA Bulletin.   Resume postings are also available.  For more information, please call Kenyetta Parks at 404.420.2035.

Make Money, Save Money With GBA Services, Inc. Offerings

Bond and D&O Insurance

Holiday Decals

Checking Club Programs

Human Resources Solutions

Community Reinvestment Act

Job Bank

CRM

Marketing & Sales

Discounted Local & Long Distance Program

Non-Qualified Executive Benefits (BOLI)

Federal Flood Certification Corp.

Pledging Pool Program

Financial Industry Pre-Employment Assessments

Record Retention Guide

FinCrime

Senior Housing Crime Prevention Foundation

Financial Marketing Solutions (FMS)

Strunk & Associates, L.P.

Full Service Check Recovery

Thumbprint Signature Program

Georgia Financial Directory

Trust and Investment Services

Georgia Law Code Book

 
   
GBA Services, Inc. is governed by a board composed primarily of community bank presidents who look for the best products and services available.    They do the due diligence for you and you can rely on their efforts.  For more information or to order any of these products or services, please call 404.522.1501.
Read All About It -- Send Us Your News

Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received. 

  We want to share your news with your colleagues across the state.  Please forward your announcements and photos to GBA's Lydia Thomas.
Newsmakers
 		    

Monroe - Liberty First Bank
Keith Prather has joined the bank as Vice President and Commercial Loan Officer.

Royston - Pinnacle Bank
Shannon Smith has joined the bank as Assistant Vice President, Business Banking.

  

Prather		    

Calendar of Events
Details for March & April

 

Conferences

 
April 2-3 Security Conference Savannah
May 14-15 Rural Development and Lending Conference Savannah
July 12-15 Leadership Conference Amelia Island, FL
     

Conventions/Events

 
June 15-16 Annual Convention Atlanta
Sep. 9 Fall Economic Forum Albany
Sep. 10 Fall Economic Forum Savannah
Sep. 22 Fall Economic Forum Atlanta
     
 

Schools

 
May 3-8 Georgia Banking School Athens
June 7-12 Southern Trust School Mobile, AL
 

 

 
 

Seminars

 
Mar. 27 Business Financial Statement Analysis, Sessions 1 & 2 Webinar
Apr. 1 Commercial Working Capital Lines of Credit Webinar
Apr. 2 Foreclosed Properties: How to Manage Storm Water and Other Environmental Requirements Atlanta
Apr. 2 The 3 Biggest Concerns for Residential Lenders: Fair Lending, Flood Insurance, and Appraisals Webinar
Apr. 6 Loan Review Webinar
Apr. 8 Loan Documentation for Lenders: Understanding Loan Documentation and the Condition of the Collateral, the Title and the Borrowers and Guarantors Macon
Apr. 9 TIN Compliance: US Citizen vs. Resident Alien vs. Nonresident Alien Webinar
Apr. 13 FHA Lending Webinar
Apr. 14 Home Valuation Code of Conduct Webinar
Apr. 14 Dealing with Work Appearance, Hygiene, and Workforce Styles Webinar
Apr. 14 Levies, Garnishments & Attachments: Developing Procedures for Processing Claims on Customer Funds Webinar
Apr. 14-15 Analyzing Commercial Financial Statements Macon
Apr. 15 GLBA Refresher & Update Webinar
Apr. 15 Construction Lending Webinar
Apr. 16 The #1 Compliance Issue of 2009: Fair Lending - Do You Know What Examiners are Looking For- Webinar
Apr. 16 Quality Habits of an Effective Leader Webinar
Apr. 20 Commercial Lending Skills Clinic, Sessions 1 & 2 Webinar
Apr. 21 Underwriting Tax Returns for Residential Loans Webinar
Apr. 21 Way to Go: Best Practices for the Frontline Webinar
Apr. 22 Understanding Revised Article 9 of the Uniform Commercial Code Webinar
Apr. 28 Legal Issues of New Account Documentation & Compliance Gainesville
Apr. 28 Managing a Financial Institution Branch--Part 1 Webinar
Apr. 29 Legal Issues of New Account Documentation & Compliance Macon
Apr. 29 Conducting Background Investigations Webinar
Apr. 30 Debit and Credit Card Fraud Webinar
May 5 Change, and More Change: Reg. Z and the Fed’s Rolling Review and Change Process Webinar
May 6 Maximizing Telephone Effectiveness Webinar
May 7 Bankruptcy Basics Webinar
May 7 Opening New Accounts II Webinar
May 12 Consumer Real Estate Lending Regulatory Changes Macon
May 12 Safe Deposit Compliance & Legal - 2009 Update Webinar
May 12 Are You Accepting Proper Appraisals? New Regulator Attention to the Requirements Webinar
May 13 Internal Audit Macon
May 13 Understanding Consumer Credit Reports & Scores: Incorporating FACT Act Compliance Webinar
May 21 Communication Power: Leaving the Right Impression Webinar
May 27 Fraudulent Cashier's Checks Webinar
May 27 Managing a Financial Institution Branch, Part 2 Webinar
May 28 Analyzing Financial Statements Webinar
June 3 Call Reporting Macon
   
  American Institute of Banking (AIB)  
Ongoing AIB Online Courses Online
Ongoing AIB Online - Instructor-led Online
     
  AIB Classroom Courses  
Apr. 7 Principles of Banking, Accelerated Winterville
     
Board/Committee Meetings  
Apr. 8 GBA Board of Directors Macon
May 20 GBA Retirement Services, Inc. Board of Directors Eatonton
     
  Roundtables/Peer Groups  
Aug. 5 President/CEO Roundtable, Group 5 Macon
Aug. 6 President/CEO Roundtable, Group 4 Macon
Aug. 7 President/CEO Roundtable, Group 2 Macon
Aug. 21 President/CEO Roundtable, Group 1 Macon
Oct. 21

Finance/Operations Roundtable, Group A

 Macon
Oct. 22

Finance/Operations Roundtable, Group B

 Macon
Oct. 23

Finance/Operations Roundtable, Group C

 Macon
Nov. 4

President/CEO Roundtable, Group 5

 Macon
Nov. 5 President/CEO Roundtable, Group 4 Macon
Nov. 6 President/CEO Roundtable, Group 2 Macon
Nov. 20 President/CEO Roundtable, Group 1 Macon
 
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