UNITED BEFORE THE BOARD

STATES

OF AMERICA OF THE FEDERAL, RESERVE D.C. SYSTEM

OF GOVERNORS

WASHINGTON,

) In the Matter PUTNAM-GREENE CORPORATION Eatonton, of FINANCIAL
) J ) ) ) ) 1 )

DOCKET

NO.

97-027-B-BHC

Georgia

Cease and Desist Order Issued Upon Consent Pursuant to the Federal Deposit Insurance Act, as Amended:

WHEREAS,

in recognition

of their

common

goaltd systems of

maintai n the ;integrity of the records Putnam-'Greene Financial Corporation, bank holding

and information Eatonton, Georgia

(‘Putnamthat

Greene") , a regibtered all computer-related subsidiary Georgia, Bank banks,

company,

and to ensure

operations The Farmers Bank,

performed and Merchants Point,

for itself Bank,

and its

Eatonton, and the First nonmember and of banks

The Farmers

Union

Georgia, state

of Coastal

Georgia,

Pembroke,

Georgia,

(collectively, continue Governors

the "Subsidiary

Banks"), January System

are functional 1, 2000,

to be so on and after of the Federal

the Board of

Reserve

(the "Board

2 Governors") this consent and Putnam-Greene Cease and Desist have Order mutually agreed to enter and into

(the "Order");

WHEREAS, directors and of Putnam-Greene adopted

to

, 199i, a resolution enter

the board

of

(1) authorizing on each

directing

Lu,f?fl~H (7./3&?fi,mo

into this Order with

behalf

of Putnam-Greene, provision

and consenting

to compliance

and every

of this Order parties,

by Putnam-Greene
:

and its in Act,

institution-affiliated sections 3(u) and

was such

term

is defined

E(b) (3) of the Federal (12 U.S.C.

Deposit

Insurance

as amended (2) waiving any matter (3) waiving matter contest Governors

(the "FDI Act") the issuance set forth a hearing
i

18131U)

and 1818(b) (3)); and of hearing on

of a notice

of charges

in this Order

relating

to Putnam-Greene; evidence on any to of and

for the purpose

of taking

set forth

in this Order; of a cease to 12 U.S.C.

(4) waiving and desist

any and all rights order by the Board Part 263; in any or

the issuance pursuant

1818 and 12 C.F.R. to challenge terms,

(5) waiving manner

any and all rights issuance,

or contest

the basis,

validity,

effectiveness, hereof.

enforceability

of this Order

or any provisions

3 NOW, adjudication and without allegation connection THEREFORE, before the taking of any or testimony law herein, or

of or finding this made with Order

on any issue

of fact

constituting

an admission

of any in

or implied

by the Board

of Governors

this proceeding:

IT IS HEREBY Act, take that the Putnam-Greene following

ORDERED,

pursuant

to section

8 of the FDI parties

and its institution-affiliated
:

affirmative

actions:

1.

By December service

31, 1997,

Putnam-Greene systems

shall

acquire

and put operating

into

electronic

information software

hardware,

_ systems,

and application Systems")

(collectively, to perform for

"Electronic all data itself

Information ::

that are adequate

processing

services

that Putnam-Greene

provides

and

the Subsidiary

Banks.

2. submit Bank") will to the

Within Federal

30 days of this Order, Reserve plan Bank of.Atlanta

Putnam-Greene (the *Reserve actions

shall

an acceptable

describing

the specific

that

be taken

by the board

of directors

and management

to ensure

4 that each of Putnam-Greene's Electronic Information Systems are Year 2000 compliant ("Year 2000 Plan"). At a minimum, the

Year 2000 Plan shall comply with the Interagency Statement on Year 2000 Project Management Awareness issued by the Federal Financial Institutions Examination Council on May 5, 1997 (the

"FFIEC Year 2000 Statement"), and shall address, consider, or include the following:

.>

(a) personnel,

The communication by Putnam-Greene to

Its

the Subsidiary Banks, any other customers, any third-

party information systems service providers, any third-party providers of services that involve embedded microprocessors or (3 telecommunications links, and any other service providers with whom Putnam-Greene conducts business by exchange of information in electronic form, the nature of the Year 2000 problem, as described in the FFIEC Year 2000 Statement and the need for its Subsidiary Banks, any other customers, and its

Putnam-Greene,

service providers to identify and correct any deficiencies in Putnam-Greene's capability to process correctly all transactions

involving dates later than December 31, 1999;

5 (b) a written risk assessment of all Electronic

Information Systems that must be renovated or modified to become Year 2000 compliant, including the identification of all interdependencies between Putnam-Greene's Electronic Information Systems and those of the Subsidiary Banks, any other customers, its vendors, and its service providers;

Cc)

the establishment of time frames and

identification of resources necessary to complete each phase of the Year 2000 Plan;

Cd)

the renovation and modification of all

Electronic Information Systems that are used by Putnam-Greene, including, but not limited to code enhancements, hardware and ;: software upgrades, to correct all Year 2000 compliance deficiencies that are identified in the risk assessment phase of the Year 2000 Plan;

(el the testing of all renovated or modified Electronic Information Systems, to be completed by no later than December 31, 1998, to ascertain that all such systems are Year 2000 compliant; and

6

(f) no later than July Systems.

after

successful of Year

testing, 2000

the implementation, Electronic

1, 1999,

compliant

Information

3. submit recovery

Within

90 days Bank

of this Order,

Putnam-Greene disaster be

shall

to the Reserve plan

an acceptable

written

describing of directors

the specific

actions

that will

taken to any of

by the board ensure

and management of business Information

of Putnam-Greene in the event Systems that

the prompt

resumption Electronic

the organization's after January

fails

on or

1, 2000.

At a minimum,

the plan

shall

address,

consider,

or include

the following:

/~

(a) preserve books

The establishment Putnam-Greene's

of back-up

systems

to Banks'

and maintain

and the Subsidiary in electronic

and records

'that are maintained

format;

(b) Subsidiary Banks'

the processing

of Putnam-Greene's

and

the

payments, by a third-party, and

such as a

correspondent

bank;

I

7 (c) lines of credit the establishment necessary of back-up liquidity. sources and

to provide

4. shall appoint

(a)

Within

30 days

of this drder,

Putnam-Greene for

a senior the Year

manager

who will

be responsible submit

implementing Bank

2000 Plan,

and shall

to the Reserve a

an acceptable

written

job description that will

for this position,

resume,

and on-going

training

be provided.

(b) of any for made change

Putnam-Greene

shall

notify

the Reserve

Bank

in the identity the Year and must

of lithe senior

manager

responsible be of to

implementing in writ&g

2000 Plan. include

Such notification‘shall and qualification 30 days prior

the name

the replacement the replacement

and must be provided at least :i assuming the new position.

5. submit

Within

60 days of this Order, revised data

Putnam-Greene service

shall

to the Reserve.Bank between

processing of'the

contracts that meet

Putnam-Greene

and each

Subsidiary

Banks

the requirements

set forth

in the FFIEC

Information

Systems

Examination

Handbook.

I

8 6.

Within

60 days of this Order, Bank a written

Putnam-Greene

shall it

submit plans are

to the Reserve to take

description

of the steps of employees

to ensure

that an appropriate authorized

number

fully

trained

and duly that

to operate

the Electronic

Information organization.

Systems

are used

by the consolidated

7. submit policy

Within

60 days of this order, Bank an acceptable shall address

Putnam-Greene

shall

to the Reserve that,

information and consider 4

systems the

at a minimum,

following:

" member

(a)

The authority

and responsibility with respect including

of each

of Putnam-Greene's Information and

management

to its the

Electronic

Systems

function,

responsibility information information

authority needs

for defining

Putnam-Greene's of

processing systems

and the identification providers to meet

or service

such needs;

(b) Putnam-Greene's

appropriate

operational

procedures and

for

Electronic

Informat~ion Systems;

9

(c) Greene's provisions computer access Electronic regarding:

appropriate Information (i) virus

operational Systems, protection

controls

for

Putnam-

including, software

at a minimum, on each controls on

and its periodic to computer-based

update;

(ii) appropriate such

information, programs

as password files,

protection encryption in

of access of employee

to computer-based passwords file

and data

whenever

such.passwords visually

are maintained

an electronic and appropriate of data

or displayed

protections

with respect

on a computer screen, / to the confidentiality Banks'

:

regarding and

Putnam-Greene's

and the Subsidiary ., duties

customers; of employees computer

(iii) the privileges, respect

and responsibilities

with

to the use of the Putnam-Greene's

systems.

(! 8.

Putnam-Greene

shall take

all actions

necessary and the

to

ensure

the segregation

of the duties

of its.personnel

personnel employee

of any of the Subsidiary of Putnam-Greene business

Banks

so that no single Banks both or any such to

or any of the Subsidiary on behalf

conducts-'a of the as data the same

transaction Banks

of Putnam-Greene tasks,

Subsidiary entry,

and performs

data processing with

proofing,

or data reconciliation,

respect

transaction.

10 9.

Within 120 days of this Order, Putnam-Greene shall

submit to the Reserve Bank an acceptable internal audit plan that includes a review of all intercompany transactions, including, but not limited to, services provided by Putnam-Greene to the Subsidiary Banks, and other fees Andyexpenses paid by the Subsidiary Banks to Putnam-Greene.

Within 60 days of this Order, Putnam-Greene shall I submit to the Reserve Bank a plan to increase the number of its
10.

~.

outside directors and shall report quarterly to the Reserve Bank
4

on Putnam-Greene's

efforts in secur~ing new outside directors.

11:'

Within 60 days of this Order, Putnam-Greene

shall

secure a fidelity and indemnity blanket bond that includes all :> coverages of its present bond and also coverage for errors and omissions of Putnam-Greene's data processing service..

12. quarter

(a)

Within 30 days after the end of each calendar

(December 31, March 31, June 30, and September 30)

following the date of this Order, Putnam-Greene shall furnish to the Reserve Bank written progress reports detailing the form and manner of all actions taken to secure compliance with this Order

I

and the results thereof, including updated reports on compliance with time frames for the Year 2000 Plan required by paragraph 2 hereof. Such reports may be discontinued when the Reserve Bank
:

has, in writing, released Putnam-Greene from making further reports.

(b)

The reporting requirements described in

paragraph 12(a) hereof are in addition to the reporting requirements of the February 1989 Informal Supervisory Action between Putnam-Greene and the Reserve Bank, which are not * superseded by this Order.

:

13.

The plans and policy required by paragraphs 2, 3,

7, and 9, and the job description described in paragraph 4 hereof
I

shall be submitted to the Reserve Bank for review and approval. Acceptable plans, an acceptable policy, and an acceptable job description shall be submitted to the Reserve Bank within the required time periods set forth in this Order. Putnam-Greene

shall adopt the approved plans, policy, and job description within 10 days of receipt of approval by the Reserve Bank and then fully comply with them. During the term of this Order, the

approved plans, policy, and job description shall not be amended

12 or rescinded without the prior written approval of the Reserve Bank.

14. sent to:

All communications regarding this Order shall be

(a)

Marion P. Rivers, III Assistant Vice President Federal Reserve Bank of Atlanta Supervision and Regulation Department 104 Marietta St., N.W. : Atlanta, Georgian 30303

(b)

'P

d Mr. Lurner 0. Benton, III Chairman of the Board and President Putnam-Greene Financial Corporation P.O. Box 4450 Eatonton, Georgia 31024

15.

The provisions of this Order shall be binding upon

Putnam-Greene and all of its institution-affiliated parties, in their capacities as such, and their successors and assigns;

16.

Each provision of this Order shall remain

effective and enforceable until stayed, modified, terminated or suspended by the Board of Governors.

13 17. Notwithstanding any provision of this Order to the

contrary, the Reserve Bank may, in its sole discretion, grant written extensions of time to Putnam-Greene to comply with any provision. of this Order.

18.

The provisions of this Order shall not bar, estop,

or otherwise prevent any federal or state agency or department from taking any other action affecting Putnam-Greene or any of its current or former institution-affiliated parties and their successors or assigns. *

By order of the Board of Governors of the Federal jp /2* day of/ljDLf&FI*; 1997. Reserve System effective this

::

PUTNAM-GREENE FINANCIAL CORPORATION

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

Chairman of the Board and President

William W. Wiles Secretary of the Board

Related Interests

_ systems,

and application Systems")

(collectively, to perform for

"Electronic all data itself

Information ::

that are adequate

processing

services

that Putnam-Greene

provides

and

the Subsidiary

Banks.

2. submit Bank") will to the

Within Federal

30 days of this Order, Reserve plan Bank of.Atlanta

Putnam-Greene (the *Reserve actions

shall

an acceptable

describing

the specific

that

be taken

by the board

of directors

and management

to ensure

4 that each of Putnam-Greene's Electronic Information Systems are Year 2000 compliant ("Year 2000 Plan"). At a minimum, the

Year 2000 Plan shall comply with the Interagency Statement on Year 2000 Project Management Awareness issued by the Federal Financial Institutions Examination Council on May 5, 1997 (the

"FFIEC Year 2000 Statement"), and shall address, consider, or include the following:

.>

(a) personnel,

The communication by Putnam-Greene to

Its

the Subsidiary Banks, any other customers, any third-

party information systems service providers, any third-party providers of services that involve embedded microprocessors or (3 telecommunications links, and any other service providers with whom Putnam-Greene conducts business by exchange of information in electronic form, the nature of the Year 2000 problem, as described in the FFIEC Year 2000 Statement and the need for its Subsidiary Banks, any other customers, and its

Putnam-Greene,

service providers to identify and correct any deficiencies in Putnam-Greene's capability to process correctly all transactions

involving dates later than December 31, 1999;

5 (b) a written risk assessment of all Electronic

Information Systems that must be renovated or modified to become Year 2000 compliant, including the identification of all interdependencies between Putnam-Greene's Electronic Information Systems and those of the Subsidiary Banks, any other customers, its vendors, and its service providers;

Cc)

the establishment of time frames and

identification of resources necessary to complete each phase of the Year 2000 Plan;

Cd)

the renovation and modification of all

Electronic Information Systems that are used by Putnam-Greene, including, but not limited to code enhancements, hardware and ;: software upgrades, to correct all Year 2000 compliance deficiencies that are identified in the risk assessment phase of the Year 2000 Plan;

(el the testing of all renovated or modified Electronic Information Systems, to be completed by no later than December 31, 1998, to ascertain that all such systems are Year 2000 compliant; and

6

(f) no later than July Systems.

after

successful of Year

testing, 2000

the implementation, Electronic

1, 1999,

compliant

Information

3. submit recovery

Within

90 days Bank

of this Order,

Putnam-Greene disaster be

shall

to the Reserve plan

an acceptable

written

describing of directors

the specific

actions

that will

taken to any of

by the board ensure

and management of business Information

of Putnam-Greene in the event Systems that

the prompt

resumption Electronic

the organization's after January

fails

on or

1, 2000.

At a minimum,

the plan

shall

address,

consider,

or include

the following:

/~

(a) preserve books

The establishment Putnam-Greene's

of back-up

systems

to Banks'

and maintain

and the Subsidiary in electronic

and records

'that are maintained

format;

(b) Subsidiary Banks'

the processing

of Putnam-Greene's

and

the

payments, by a third-party, and

such as a

correspondent

bank;

I

7 (c) lines of credit the establishment necessary of back-up liquidity. sources and

to provide

4. shall appoint

(a)

Within

30 days

of this drder,

Putnam-Greene for

a senior the Year

manager

who will

be responsible submit

implementing Bank

2000 Plan,

and shall

to the Reserve a

an acceptable

written

job description that will

for this position,

resume,

and on-going

training

be provided.

(b) of any for made change

Putnam-Greene

shall

notify

the Reserve

Bank

in the identity the Year and must

of lithe senior

manager

responsible be of to

implementing in writ&g

2000 Plan. include

Such notification‘shall and qualification 30 days prior

the name

the replacement the replacement

and must be provided at least :i assuming the new position.

5. submit

Within

60 days of this Order, revised data

Putnam-Greene service

shall

to the Reserve.Bank between

processing of'the

contracts that meet

Putnam-Greene

and each

Subsidiary

Banks

the requirements

set forth

in the FFIEC

Information

Systems

Examination

Handbook.

I

8 6.

Within

60 days of this Order, Bank a written

Putnam-Greene

shall it

submit plans are

to the Reserve to take

description

of the steps of employees

to ensure

that an appropriate authorized

number

fully

trained

and duly that

to operate

the Electronic

Information organization.

Systems

are used

by the consolidated

7. submit policy

Within

60 days of this order, Bank an acceptable shall address

Putnam-Greene

shall

to the Reserve that,

information and consider 4

systems the

at a minimum,

following:

" member

(a)

The authority

and responsibility with respect including

of each

of Putnam-Greene's Information and

management

to its the

Electronic

Systems

function,

responsibility information information

authority needs

for defining

Putnam-Greene's of

processing systems

and the identification providers to meet

or service

such needs;

(b) Putnam-Greene's

appropriate

operational

procedures and

for

Electronic

Informat~ion Systems;

9

(c) Greene's provisions computer access Electronic regarding:

appropriate Information (i) virus

operational Systems, protection

controls

for

Putnam-

including, software

at a minimum, on each controls on

and its periodic to computer-based

update;

(ii) appropriate such

information, programs

as password files,

protection encryption in

of access of employee

to computer-based passwords file

and data

whenever

such.passwords visually

are maintained

an electronic and appropriate of data

or displayed

protections

with respect

on a computer screen, / to the confidentiality Banks'

:

regarding and

Putnam-Greene's

and the Subsidiary ., duties

customers; of employees computer

(iii) the privileges, respect

and responsibilities

with

to the use of the Putnam-Greene's

systems.

(! 8.

Putnam-Greene

shall take

all actions

necessary and the

to

ensure

the segregation

of the duties

of its.personnel

personnel employee

of any of the Subsidiary of Putnam-Greene business

Banks

so that no single Banks both or any such to

or any of the Subsidiary on behalf

conducts-'a of the as data the same

transaction Banks

of Putnam-Greene tasks,

Subsidiary entry,

and performs

data processing with

proofing,

or data reconciliation,

respect

transaction.

10 9.

Within 120 days of this Order, Putnam-Greene shall

submit to the Reserve Bank an acceptable internal audit plan that includes a review of all intercompany transactions, including, but not limited to, services provided by Putnam-Greene to the Subsidiary Banks, and other fees Andyexpenses paid by the Subsidiary Banks to Putnam-Greene.

Within 60 days of this Order, Putnam-Greene shall I submit to the Reserve Bank a plan to increase the number of its
10.

~.

outside directors and shall report quarterly to the Reserve Bank
4

on Putnam-Greene's

efforts in secur~ing new outside directors.

11:'

Within 60 days of this Order, Putnam-Greene

shall

secure a fidelity and indemnity blanket bond that includes all :> coverages of its present bond and also coverage for errors and omissions of Putnam-Greene's data processing service..

12. quarter

(a)

Within 30 days after the end of each calendar

(December 31, March 31, June 30, and September 30)

following the date of this Order, Putnam-Greene shall furnish to the Reserve Bank written progress reports detailing the form and manner of all actions taken to secure compliance with this Order

I

and the results thereof, including updated reports on compliance with time frames for the Year 2000 Plan required by paragraph 2 hereof. Such reports may be discontinued when the Reserve Bank
:

has, in writing, released Putnam-Greene from making further reports.

(b)

The reporting requirements described in

paragraph 12(a) hereof are in addition to the reporting requirements of the February 1989 Informal Supervisory Action between Putnam-Greene and the Reserve Bank, which are not * superseded by this Order.

:

13.

The plans and policy required by paragraphs 2, 3,

7, and 9, and the job description described in paragraph 4 hereof
I

shall be submitted to the Reserve Bank for review and approval. Acceptable plans, an acceptable policy, and an acceptable job description shall be submitted to the Reserve Bank within the required time periods set forth in this Order. Putnam-Greene

shall adopt the approved plans, policy, and job description within 10 days of receipt of approval by the Reserve Bank and then fully comply with them. During the term of this Order, the

approved plans, policy, and job description shall not be amended

12 or rescinded without the prior written approval of the Reserve Bank.

14. sent to:

All communications regarding this Order shall be

(a)

Marion P. Rivers, III Assistant Vice President Federal Reserve Bank of Atlanta Supervision and Regulation Department 104 Marietta St., N.W. : Atlanta, Georgian 30303

(b)

'P

d Mr. Lurner 0. Benton, III Chairman of the Board and President Putnam-Greene Financial Corporation P.O. Box 4450 Eatonton, Georgia 31024

15.

The provisions of this Order shall be binding upon

Putnam-Greene and all of its institution-affiliated parties, in their capacities as such, and their successors and assigns;

16.

Each provision of this Order shall remain

effective and enforceable until stayed, modified, terminated or suspended by the Board of Governors.

13 17. Notwithstanding any provision of this Order to the

contrary, the Reserve Bank may, in its sole discretion, grant written extensions of time to Putnam-Greene to comply with any provision. of this Order.

18.

The provisions of this Order shall not bar, estop,

or otherwise prevent any federal or state agency or department from taking any other action affecting Putnam-Greene or any of its current or former institution-affiliated parties and their successors or assigns. *

By order of the Board of Governors of the Federal jp /2* day of/ljDLf&FI*; 1997. Reserve System effective this

::

PUTNAM-GREENE FINANCIAL CORPORATION

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

Chairman of the Board and President

William W. Wiles Secretary of the Board

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