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Message From the President
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By John Witkowski, President & CEO
The celebration of Community Banking Month continues!
The services community banks provide, both locally and nationally, are important for a variety of reasons.
First, community banks take in local deposits and redistribute them back into the community. Nationally, community banks make about 60% of small-business loans and 80% of agriculture loans from the banking sector. They also contribute tax dollars that help maintain local municipalities and keep local neighborhoods viable and vibrant.
Second,
in New York,
a 2013 New York State Department of Financial Services study found:
"... in the area of small business and farm lending, while community banks hold approximately 22% of all the assets of the Federal Deposit Insurance banks in the State, they provide nearly 55% of all small business loans and approximately 90% of small farm loans in the State. Smaller community banks - those with assets of $1 billion or less - hold only about 6% of all FDIC insured banking assets in New York yet make almost 28% of all small business loans, including 43% of small farm loans in the State."
Third, community bank loan growth has outpaced that of non-community banks for six consecutive years. They also u
nderstand and embrace local businesses.
Small businesses that apply for loans with community banks are the most successful and most satisfied, according to a study from the
12 Federal Reserve Banks
.
Finally, community banks
offer high-tech service that provides consumers access to modern-day conveniences while maintaining the high-quality customer service for which community banks are known.
IBANYS, with the help of ICBA, will continue to provide ways to help you celebrate Community Banking Month throughout April. Learn more at www.icba.org and watch IBANYS' social media accounts each week.
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IBANYS has a full calendar of conferences that are designed for bankers by bankers including directors, compliance, security, lending and bank leadership.
Today, we held our
first Compliance Conference in New York City
at the offices of our partners,
UHY Advisors, NY Inc.
Attendees gained insight into various compliance regulations, topics and challenges while earning up to 6 CPE credits. Our speakers were astute and engaging, and gave excellent presentations in their areas of expertise. It was a successful event for this first-time location of an IBANYS conference favorite.
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| Compliance NYC Conference |
Also on the meeting calendar this April is our annual
Directors Conferences which will be held April 16 in Rochester at the RIT Inn & Conference Center, and April 17 in our NEW location of Poughkeepsie at the Hampton Inn Poughkeepsie. The agenda will examine issues such as ERM and the role of the board, hot topics for audit committees in 2019, the loan committee's role in underwriting & CECL preparation, and more. Attendees will have the
opportunity to earn up to 7 CPE credits as well.
IBANYS also has an array of engaging and informative conferences planned for May, June and September. Our Security Conference will be held May 7 in Rochester, NY and May 8 in Poughkeepsie, NY. Our Lending Conference, co-sponsored by T. Gschwender & Associates, will be May 21-22 at the Watkins Glen Harbor Hotel in Watkins Glen, NY. Brochures and registration are now open for both of these conferences. In September will be the IBANYS Banking Executive Symposium at the Harbor Hotel 1000 Islands, with more information to be released soon. Our main event of the year, the 2019 Annual Convention, will be June 10-12 at Turning Stone Resort & Casino in Verona, NY. Full information including sponsorship and exhibitor opportunities, are included in today's newsletter and on our website. Be sure to save the dates, submit your registrations and book your hotel room as soon as possible to secure your place.
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Meet
With Our
New York Congressional Delegation
at the ICBA Capital Summit
In just three weeks is the ICBA Capital Summit where New York community bankers will have the opportunity to join IBANYS' leadership and colleagues from throughout the state to advocate for our industry's top federal issues and priorities.
IBANYS is lining up congressional meetings with members of the New York Congressional Delegation for Tuesday, April 30.
Your presence and your voice will demonstrate to our federal lawmakers how community banks are vitally important to New York's economy and communities, in addition to advocating for the industry's top issues. There will also be a
wide assortment of speakers from the regulatory and legislative fields. Join us Monday night, April 29 for the IBANYS dinner, featuring a briefing on the following day's activities - co-hosted
by IBANYS' preferred partner Luse Gorman, P.C.
Register to attend by clicking the link below/ Then, email us the names of the Representatives with whom you'd like to meet with.
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If there is someone at your bank who is not currently receiving the e-newsletter, send us their names and email addresses and we will add them to our list! Email
Linda Gregware or Natalie Rowan to add additional recipients or for more information. In addition, ensure everyone is following IBANYS on Facebook, Twitter, Instagram and LinkedIn to stay-up-to-date with all IBANYS news.
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Follow IBANYS On Social Media!
Connect With Us Today!
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Get Ready For 2019 Annual Convention!
SAVE THE DATE
When:
June 10-12, 2019
Where:
5218 Patrick Rd, Verona, NY 13478
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Attend One of Our Educational Meetings!
Our 2019 Meeting dates and locations are now available! These educational conferences cover various subjects that are important within the community banking industry, spoken by the experts.
T
hey are also a great opportunity to network and earn CPE credits. Here is what we have planned for 2019:
April 16, 2019 April 17, 2019
5257 W.
Henrietta Road
2361 South Rd.
Henrietta, NY 14467 Poughkeepsie, NY 12601
CPE Credits Available = 7
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May 7, 2019 May 8, 2019
5257 W. Henrietta Road 2361 South Rd.
Henrietta, NY 14467 Poughkeepsie, NY 12601
CPE Credits Available
= 7
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Co-Sponsored By:
May 21-22, 2019
16 North Franklin Street
Watkins Glen, NY 14891
CPE Credits Available
= 7
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Banking Executive Symposium
September 9-11, 2019
200 Riverside Drive
Clayton, NY 13624
CPE Credits Available
= TBD
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Have an idea for one of our meetings? Want to see a meeting or forum on a different subject? We want to hear from you!
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IBANYS Education/Webinars
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The 2019 Webinar is now available!
The Independent Bankers Association of NYS (IBANYS) partners with CBWN to bring you more than 150 webinars each year covering compliance, lending, regulations, security, operations, new accounts, collections, fraud, security and other topics. Even better, each time you purchase a webinar, you support IBANYS, because a portion of your registration comes directly to us. Thank you!
You can view the 2019 Webinar Schedule here or by category here. In addition, CBWN has made some recent updates to provide better service to its consumers. Unfortunately, some changes may have caused you to miss important webinar announcements. Please read the IBANYS letter to view the updates and ensure that you do not miss another webinar.
NEW WEBINARS ADDED FOR 2019
CBWN has added more than 140 webinars to the IBANYS webinar calendar, covering all the essential topics. Start the new year off right by gaining the knowledge and tools to make 2019 the best year yet!
CBWN and IBANYS thank you for your continued support of the education in the community banking industry.
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| Albany |
Only 26 Work Days Remain In 2019 Legislative Session
Believe it or not, there are only 26 more business days scheduled in the 2019 state legislative session until its scheduled June 19 adjournment.
With the 2019-20 state budget now completed
, Now that the state budget has been negotiated and approved, legislative committees are gearing up and the legislative process will begin moving more quickly. IBANYS will hold a Government Relations Committee conference call this Friday morning to discuss the status of state and federal issues.
Reach Out To Your New State
Legislators
&
Members Of Congress
 There are 39 freshman members of the state legislature -- many of whom are not that familiar with community banking.
IBANYS has provided lists of new State Senators, Assembly Members and Congressional Representatives, as well as talking points to help them understand and appreciate the importance of community banks to New York's state and local economies and communities (see below) as part of our
outreach program. The program materials include:
- Talking points for your use in your meetings, emails and phone calls to introduce yourselves and to help inform them about New York's community banks.
Please contact your new state and federal lawmakers, then let us know the results by emailing John Witkowski and Steve Rice.
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Washington, D.C.
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Recent Federal Updates
- U.S. bank chief executives will reportedly tout a better capitalized, more strictly regulated and less risky banking system when testifying before the House Financial Services Committee tomorrow. The leaders of the nation's largest banks will testify at the hearing, although Wells Fargo & Co. will not participate since CEO Tim Sloan has stepped down.
- SEC Chairman Jay Clayton added his concern over mounting leveraged loans by banks to those previously expressed by other regulators worried about potential systemic risk. Clayton compared the leveraged loans sector to pre-2008 market expectations he said were "out of step with reality."
- President Trump renominated Michelle "Miki" Bowman for a full term as a member of the Federal Reserve Board. She made history last fall as the first person to fill the Fed's community banking seat instituted by Congress in 2015 due to ICBA's (and IBANYS') successful advocacy. She is currently serving a partial term that expires Jan. 31, 2020. If confirmed by the Senate, she would serve a full 14-year term beginning Feb.1, 2020.
- President Trump plans to recommend Herman Cain to serve on the Federal Reserve Board. The businessman and former Kansas City Fed Chairman ran for president in 2012. He would join the President's other recent nominee, the Heritage Foundation's Stephen Moore, to fill the two open positions on the Fed's board of governors. However, Cain's nomination would reportedly face an "uphill climb" among Republican Senators.
- Consumer Financial Protection Bureau Director Kathy Kraninger will reverse some of former Acting Director Mulvaney's moves to make cuts at the agency by having four panels (the Consumer Advisory Board, Academic Research Council, Community Bank Advisory Council and Credit Union Advisory Council) meet more often. She will also lengthen the committee members' terms to two years from one.
- Rodney Hood is the new Chairman of the National Credit Union Administration (NCUA) Board. He was nominated by President Trump in January and confirmed by the Senate in March. Former chairman J. Mark McWatters remains on the board until his term expires in August.
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Industry Trends & Updates
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April Is "Community Banking Month"
 Community banks continue to expand and innovate to meet the needs of consumers and local communities - whether rural, suburban or urban. In honor of
ICBA Community Banking Month in April, the Independent Community Bankers of America (ICBA) is shining a spotlight on the nation's community banks and their role in fostering local economic prosperity.
"As local small businesses themselves, community banks only thrive when their customers and communities flourish," ICBA President and CEO Rebeca Romero Rainey said.
"Local market knowledge, relationship-based lending, and civic-minded service are community banking hallmarks and the cornerstone to our industry's success and longevity. ICBA is proud to represent America's favorite lenders and support their ongoing efforts to create stronger, more vibrant communities-one loan at a time."
Community banks take in local deposits and redistribute them back into the community-making roughly 60% of small-business loans and 80% of agriculture loans from the banking sector. They also contribute tax dollars that help maintain local municipalities and keep local neighborhoods viable and vibrant because serving the best interests of customers is fundamental to their business philosophy.
Community banks:
- Are robust lenders. Community bank loan growth has outpaced that of noncommunity banks for six consecutive years.
- Offer high-touch, high-tech service. This gives consumers access to modern-day conveniences while maintaining the high-quality customer service for which community banks are known.
- Understand and embrace local businesses. Small businesses that apply for loans with community banks are the most successful and most satisfied, according to a study from the 12 Federal Reserve Banks. ICBA celebrates local entrepreneurship on the third Wednesday of every month with Go Local Wednesday by supporting and promoting local businesses on social media.
Follow the ICBA Community Banking Month conversation on social media with #BankLocally.
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The Economy By The Numbers
 A monthly survey from Fannie Mae showed a surge in housing sentiment in March. Positive sentiment jumped to the highest level since June, just below the record high. More consumers think now is a good time to buy and sell a home, and more expect interest rates to fall in the next year. The net share of those who say it is a good time to buy increased 7 percentage points to 22%, although this is 10 points lower than a year ago. The share of those who say now is a good time to sell a home increased 13 percentage points to 43%, up 4 points from a year ago.
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Hiring in the U.S. rebounded in March. N
onfarm payrolls expanded by 196,000 and the unemployment rate held steady at 3.8%. However, baby boomers still in the work force were a different story. A
ccording to the Bureau of Labor Statistics, e
mployment for people age 55 and older dropped 209,000 last month, the biggest such decline since February 2015 when 251,000 jobs were cut for the age group.
Job gains in the education and health services sector easily led the way, adding 70,000 jobs. The manufacturing sector posted its first month-over-month decline since July 2017 and lost 6,000 jobs. The "financial activities" sector added 11,000 jobs.
- "House flipping" is reportedly back to nearly the same level of the 2006 peak of the housing boom. However, a new analysis from CoreLogic Inc. suggests most of the current flips are less risky than those of a decade ago, and less likely to cause market volatility if prices decline in the next few years.
- Recent research by Freddie Mac found that people between the ages of 67 and 85 who stay in their homes longer and "age in place" are playing a role in the low inventory of homes on the market, helping to push housing prices higher and making it harder for millennials to become homeowners.
- Much of the concern about affordable homeownership has focused on first-time buyers making the transition from renting to owning. Many find it difficult to save enough to meet down-payment requirements, particularly in areas where rent takes up a significant portion of a household's monthly income.
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According to a recent Morning Consult/Business Insider
survey
, millennials aren't very different from baby boomers in how they spend and think about money. W
hen asked what they'd do with an extra $1,000 in a month, both groups listed s
aving and investing as priorities. Half of baby boomers would pay down debt or save, as would 46% of millennials. The biggest difference between the groups: the amount who had student debt, which is delaying millennials from such big decisions as buying homes.
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Bank of America is raising the minimum wage for employees to $17 an hour this year, and will increase that to $20 an hour in two years.
"Chairman & CEO Brian Moynihan stated: "If you get a job at Bank of America, you'll make $41,000" a year. With the success our company has ... we have to share that success with our teammates."
The bank has also frozen healthcare cost increases for lower-paid employees. A 2013 report by "The Committee for Better Banks" said about one-third of bank tellers were on public assistance, including Medicaid and food stamps.
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Vining Sparks & ICBA Securities Balance Sheet Academy
Registration is now open for Vining Sparks and ICBA Securities' Balance Sheet Academy seminar in Memphis, Tennessee from Monday, April 29 to Tuesday, April 30 2019. This
advanced seminar is designed to expose seasoned community bank portfolio and balance sheet managers to advanced products and concepts. The objective is to enable the attendees to consistently outperform their peers. The dynamics of a community bank balance sheet require an investment professional to be versed in a wide range of topics.
Balance Sheet Academy
provides discussion and practical classroom exercises to equip the attendees for these demands. Examples of these topics include:
- Advanced interest rate risk management strategies;
- Low cost funding strategies; and
- Strategies for serving bank customers while managing interest rate risk.
Attendees will learn how the changing economic data impacts market interest rates from Vining Sparks' Chief Economist. The Balance Sheet Academy is structured for more experienced investment managers, particularly those who have attended Bond Academy.
It incorporates balance sheet strategies into the day-to-day management of an institution's investment portfolio, wholesale funding and interest rate risk management. Bank personnel with an intermediate level of understanding of investments who are integral to the investment and balance sheet management process will benefit the most from this advanced course. New directors serving on the investment or asset-liability committee will also find this course beneficial.
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Further Your Education at Barret Graduate School of Banking
Barret and IBANYS are aligned with a common interest: to represent the interests of the industry through effective advocacy and high quality educational offerings.
Located in Memphis, TN, Barret Graduate School of Banking offers a comprehensive graduate learning program for professionals in the financial services field. IBANYS has established partnerships with key industry educators including the Barret Graduate School of Banking. The school provides community bankers with an opportunity for a graduate degree in banking.
We are currently endorsed by ICBA, ICBA Securities, Arkansas Community Bankers, CBAofGA, Indiana Bankers Association, CBAofKS, MIBA, CBAofOH, CBAofWV - with a couple more on the way.
To learn more about Barret Graduate School of Banking, please visit
www.barret.ws.
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News From IBANYS Member Banks
Bank of Cattaraugus
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Colleen Young
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The Bank of Cattaraugus announced Colleen Young will succeed her father, Patrick Cullen, as president and CEO. The bank has approximately $21 million in assets and is located in Cattaraugus in western New York. Ms. Young, who joined the bank in 1997, has served as Vice President, Director and CFO. She will continue the solid family tradition and record of accomplishment begun by her grandfather L. Edward Cullen, who led the bank for 25 years, and her father Pat, who did so for 37 years. Pat Cullen will now become Chairman. IBANYS congratulates both Colleen and Pat, and looks forward to working with them in the future.
Canandaigua National Bank and Trust
Canandaigua National Bank and Trust announced that Vincent Yacuzzo to Chief Financial Officer and Executive Vice President. He is responsible for the overall financial management for Canandaigua National Corp., CNB and its subsidiaries, and overseeing banking operations and facilities.
Orange Bank & Trust Company
Orange Bank & Trust Company CEO Michael Gilfeather and the the Board announced that Michael Coulter has been promoted to Executive Vice President. He joined the bank in 2017 as Senior Vice President and Chief Lending Officer after serving as Chief Lending Officer of Metropolitan Bank in Manhattan.
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Keep The Door Open For Your Small Business Customers
Excelsior Growth Fund (EGF) is NYBDC's nonprofit Community Development Financial Institution and IBANYS' exclusive online lending partner. Join the growing number of banks that work with EGF to offer their customers an affordable and responsible option when they do not qualify for traditional financing. EGF offers loans up to $500,000 with a convenient, digital process. Loans under $100,000 are disbursed within 5 business days.
EGF's experienced team can work hand-in-hand with yours to develop a customized process to make referring seamless. To learn more about offering your customers a second look through EGF contact Bryan Doxford, SVP, at
bryan.doxford@excelsiorgrowthfund.org at at (212) 430-4512.
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Spotlight Bank of the Week
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With roots dating back to 1920, Evans Bank has evolved into a full-service financial institution focused only on Western New York.
Our mission is the same today as it was nearly 100 years ago, to help our customers meet their financial goals and businesses build their dreams.
Throughout our history, Evans has proudly made significant contributions to the growth and resurgence of the region. We do this by providing real value to our customers, associates, shareholders and communities.
In 1977, the bank opened its second branch and has since added 12 more financial centers. In 2000, Evans Bancorp acquired the M&W Agency Inc., our insurance subsidiary known today as The Evans Agency LLC.
This summer, the Company intends to open its 15th full-service financial center, its first in the Central Business District of Downtown Buffalo. The proposed Business & Relationship Center will offer full-service banking, insurance, investments and employee benefits services while featuring a consultative setting for client meetings, as well as, modern and convenient banking technologies. It will enhance our ability to serve more of the local community and its businesses in the radius around the heart of the City that is enjoying a resurgence.
Our insurance operation has acquired more than a dozen local agencies and offers a suite of products and services tailored to meet the needs of both retail and business customers. The Evans Agency achieved record revenues in 2017 on the strength of increased Commercial and Personal Lines sales and Employee Benefits expansion.
At Evans, our associates remain our key competitive advantage and differentiator to betterserve our clients, fulfilling our purpose and driving strategic growth.
The Company was successful in recruiting three new senior executives in 2017 - a Chief Risk Officer, Chief Commercial Banking Officer, and a new Director of Employee Benefits, who will help our organization advance in sophistication and capabilities. For the fifth consecutive year, based upon employee engagement, Evans was recognized by Buffalo Business First as a Best Place to Work among dozens of companies regionally in Western New York.
In 2017, the Company also made a commitment to ensure that diversity and inclusion was a top priority. Evans created a new Diversity & Inclusion Council whose charter is to foster an open and inclusive environment, encourage recruitment of associates of diverse backgrounds and thought, in an atmosphere free of harassment and intolerance. The Council is comprised of a broad based team of associates and management, and serves as a resource for the organization to address individual and systemic issues regarding diversity and inclusion.
Since its inception, the council has adopted a logo, participated in an inclusion awareness workshop lead by the National Federation for Just Communities of WNY and created a Plan, Do, Check and Act (PDCA) exercise for carrying out change. The council identified several focus areas aimed to broaden diversity within Evans and enhance an inclusive workplace.
Continuing the pattern of support for the communities it has served and invested in for almost a century, Evans expanded participation in volunteer activities, associate service hours and financial support in 2017. The Company also made a $300,000 contribution to its Foundation this past year, the largest such contribution in its history, to be invested in not-for-profit entities that enhance the quality of life within Western New York.
Despite local competition increasing with several new market entrants, Evans is confident in our position to compete successfully and expand our presence in the region. Our value-added service, capabilities, reputation and knowledge of the marketplace, provide us with a competitive advantage over other financial institutions. With greater size and scale, we are competitively positioned against the regional and national banks.
We remain thankful for the acceptance and support received from our customers, associates and shareholders, and look forward to more business growth and investment in our communities.
To learn more about Evans, our products, services and career opportunities, please visit www.evansbank.com.
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About Spotlight Bank of the Week
 Spotlight Bank of the Week is a new feature that we have added to our website and e-newsletter. It is an opportunity to promote anything about your organization, such as fun facts, organization news, special events, etc. The Spotlight Bank of the Week will be featured on our homepage slider, e-newsletter, and our social media platforms for one week. So don't miss out on this exceptional opportunity to showcase your bank to thousands of people!
View banks that have been featured as our Spotlight in the past!
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IBANYS Spotlight Is On...
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The Federal Home Loan Bank of New York (
FHLBNY)
is part of the congressionally chartered, nationwide Federal Home Loan Bank System created in 1932 to provide a flexible credit liquidity source for member community lenders engaged in home mortgage and neighborhood lending. The FHLBNY increases the availability of mortgages and home finance to families of all income levels by offering high-value correspondent and cash management services to assist our members in more effectively serving their neighborhoods and meeting their Community Reinvestment Act responsibilities.
The FHLBNY helps community lenders in New York, New Jersey, Puerto Rico and the U.S. Virgin Islands advance housing and community growth.
Owned by its stockholders, t
he FHLBNY is committed to operating a financially safe and sound organization and fostering diversity at all levels by ensuring the inclusion of minorities, women, and individuals with disabilities in employment, in its business activities, and in service contracts.
For details, contact Adam Goldstein, SVP, Head of Sales & Business Development:
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IBANYS identifies offers products and services that provide value to your banks, companies, employees communities. These brief summaries provide links for information. Please contact IBANYS President John Witkowski with questions.
Health & Wellness
My Wellness Resource & TELADOC 
The health and wellness landscape continues to evolve. "My Wellness Resource" can be a nice addition to your existing benefit package.
Teladoc can save your banks time and money, and provide real value to your employees as this testimonial from a New York community bank CEO proves:
HERE'S WHAT YOUR FELLOW NEW YORK
COMMUNITY BANKER SAYS. . .
"I wanted to let you know that some of our employees and I have been using "Teladoc" and it is one of the best things we have done for the bank. We all love it: We are saving time, avoiding waiting in an urgent care center or a doctor's waiting room for non-emergency related illnesses
. . .and it is easy to use and convenient. Once you use it, you are hooked! This was a great find! Would recommend it to all banks."
Mario Martinez
Chairman & CEO
Catskill Hudson Bank
Contact Alan Justin: (716) 907-5500.
"Cure the Blue" Helps Banking Industry Battle Prostate Cancer!
The "Cure the Blue" program sponsored by the Buffalo Bills Alumni Foundation allows New Yorkers to participate in one of the most comprehensive efforts to help promote prostate cancer awareness and research in the United States.
Lake Shore Savings Bank has provided prostate cancer literature and Cure the Blue information at all eleven of its  branches and their headquarters in Dunkirk. The bank also offered Cure the Blue ceramic lapel ribbon pins for a $5.00 donations to Cure the Blue to all their customers. "We fully understand the severity of this disease and the devastating effect it can have on families" said Lake Shore Savings Bank President and CEO Dan Reininga. "Our support of the Buffalo Bills Alumni Foundation's "Cure the Blue" initiative is something that we are taking very seriously and are proud to support." Buffalo Bills Wall of Famer and Alumni Foundation President Booker Edgerson, a two time prostate cancer survivor, said the bank has been a tremendous longtime supporter, noting: "They have really stepped up to the plate with their unwavering support of our Cure the Blue initiative."
IBANYS urges all of our member banks, associate members and allies to join the effort. Cure the Blue" raises funds and awareness regarding prostate cancer in New York State. Visit
curetheblue.com
to get involved! Of all new cancer cases in the nation, prostate cancer represents 9.6%. In 2017, there were an estimated 161,000 new cases, and more than 26,000 fatalities due to the disease. Support IBANYS' "Cure the Blue" campaign to help New Yorkers participate to promote prostate cancer awareness and research.
Secure, Enhanced Internet Presence
The .bank program by fTLD operates trusted, verified, more secure, easily-identifiable internet locations for financial companies and
customers. www.icba.org
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. . .That according to the
Kansas City Federal Reserve, t
he first debit card hit the market in 1966?
The Bank of Delaware piloted the card, and by the 1970s, several other banks were trying out similar ideas. D
ebit card usage picked up in the 1980s and 1990s. In 1990, debit cards were used in about 300 million transactions. By 2009, prepaid and debit cards were used in 37.6 billion transactions.
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New York community banks play a key role in our state and local economies. Help spread the good news among our customers, business, elected leaders and the media!
John J. Witkowski
President & Chief Executive Officer
Stephen W. Rice
Director of Government Relations & Communications
Linda Gregware
Director of Administration & Membership Services
William Y. Crowell III
Legislative Counsel
Natalie Rowan
Marketing & Social Media Assistant
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