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Laurie Stewart
President and CEO
Sound Financial Bancorp, Inc.

American Bankers Association

Ron Shevlin
Director of Research
Cornerstone Advisors
Gerald Alley
Con-Real, LP
Danny Kennedy
President & CEO
Riceland Foods
Troy Wells
Baptist Health
Moderator: Jim Cargill
Arvest Bank
LaTricia Hill-Chandler, MSM, CDE
Diversity, Equity and Inclusion Officer
Arvest Bank
Bill Oliva
AVP/Loan Officer
First Community Bank
Darrin Williams
Chief Executive Officer
Southern Bancorp, Inc.
Governor Asa Hutchinson
State of Arkansas
Susannah Marshall
Arkansas State Bank Department
Bill Emmons
Economist and Assistant Vice President
Federal Reserve Bank of St. Louis
David McKeown
Assistant to the Special Agent in Charge
US Secret Service - Cyber Infrastructure Security Agency
John Ryan
President & CEO
Conference of State Bank Supervisors