Pub. 4 2016 Issue 2

5 Winter 2016 The Community Banker UPCOMINGMIB EVENTS Let’s Talk. Give your Vice President/Member Solutions a call to walk through your options. LETTERS OF CREDIT With the end of the year quickly approaching, it’s time we had a talk.…about LOCs that is. FHLB Des Moines Letters of Credit are a unique solution to some of your institution’s most common needs. • Let’s Talk Liquidity • Let’s Talk Regulators • Let’s Talk Cost Eric Jensen ejensen@fhlbdm.com 206.340.2489 Chris Thomas clthomas@fhlbdm.com 206.340.2370 For details around requesting a Letter of Credit, visit members.fhlbdm.com/letters-of-credit. COST EFFECTIVE FHLB DES MOINES DEPOSITS REGULATORS LETTERS OF CREDIT SOLUTIONS LIQUIDITY March 6-10, 2016 ICBA National Convention Hilton New Orleans Riverside New Orleans, LA March 7, 2016 Montana Reception at the ICBA Convention Ascot Room, Hilton New Orleans Riverside New Orleans, LA April 14-15, 2016 MIB Spring Board Meeting Quinn’s Hot Springs Paradise, MT July 21-23, 2016 MIB Convention & Tradeshow Red Lion Hotel Kalispell, MT Montana independent Bankers is pleased to announce the 2016 MIB GRADUATE SCHOOL SCHOLARSHIP Receive a $2,500 scholarship to a banking school of your choice for the 2016 year! Qualified Applicants must:  Have 5 years minimum banking experience  Not have prior graduate-level banking school education  Be currently employed by an MIB member bank  Be able to provide proof of acceptance at a graduate banking school for 2016 Apply by March 1, 2016 at http://mibonline.org/ training/banking-school-scholarship/ . Recipient will be selected by April 30, 2016. Contact MIB at (406) 449-7444 or lwelker@mibonline.org