Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

Strategic Issues — 2020-2022

1. "Business Governance" Issues (Board level) • Ownership succession • Board succession • Management succession

• Organization structure including effectiveness of committees • Board member expectations and lob descriptions" • Board meeting effectiveness and productivity

• Strategic business units, targeted customer segments and geographic scope • Regulatory environment, compliance and relationship with regulators • Risk identification, policy limits, measurement and reporting • IT planning, management and security • Compensation programs and incentive plans • External factors including the economy and interest rates • Capital formation, leverage and dividends • Growth and performance expectations • Tax planning including maximizing the Sub S election • Core values and code of conduct 2. Tactical and Operational Issues (Management level) • External factors including the economy and interest rates • Earnings, growth and performance -- measurements and goals • Risk identification, policy limits, measurement and reporting • Customer segmentation • Products • Marketing plan development • Image, reputation and competitive assessment • Branch delivery and geographic footprint • Non-branch and technology based delivery • Core systems and technology planning • People —training, retention, compensation, performance, communication • Customer service standards

• Processes including approvals and committees • Financial strategies and financial reporting • Regulatory change, relationships and compliance 3. Implementing the Strategic Plan (Managing Change)

• Keep it simple — and remember, implementation starts at the top • Have confidence you've identified your critical "impact areas" • Know what success looks like — begin with the end in mind a Have clear accountability and timelines • Know when you're making progress — have clear measurement criteria • Know how you will report progress and periodically update the plan • Develop a "bias for action" • Communicate —where we're headed, what's changing and how we're doing

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