Francis X. Grady

Member, America's Community Bankers. Author: "Step-by-Step Guide Can Help Avoid Pitfalls of Buying a Branch," The American Banker, April 1, 1988; "An Internal Audit Can Help a Bank Ensure Compliance with Consumer Protection Laws," American Banker, April 9, 1991; "CRA Success Starts with a Plan," American Banker, July 30, 1991; "Steering Clear of Pollution Risk," American Banker, January 22, 1992; "Innocent Errors Create Liability Under the Truth-in-Savings Act," American Banker, March 23, 1993; "Financial Institutions Fail to Take Advantage of Dividend Reinvestment Plans," Ohio Record, Fall 1994; "Bounce Protection Overdraft Coverage: Doing It the Right Way," The Ohio Community Banker, July/August 2003; "BOLI-Financed Executive Compensation," America's Community Bankers 2003 Compensation Survey; "Bank-Owned Life Insurance Presents a Window of Opportunity," Community Banker, January 2004; "Bounce Protection Overdraft Coverage: Doing It the Right Way," Independent Banker, January 2004; "BOLI Investment Policy & Annual Post-Purchase Risk Assessment: New Bank Regulatory BOLI Compliance Obligations," The Ohio Community Banker, June 2005; "A Roadmap for the Purchase and Risk Management of BOLI," Community Banker, March 2006; "New Bank Supervisory for Commercial Real Estate Credit Concentration," Western Independent Bankers, April/May 2006; "Bank and Business Split Dollar Plan," The AALU, Fall 2007. Contributing Author: "Consumer Credit Law, Transaction and Forms," Matthew Bender & Co., 1988-2012; "Banking Law," Consumer Credit, Volume 7, Matthew Bender & Co., 1992-2012; "Ohio Thrift Executive Compensation," September 1989; "Ohio, Michigan and Indiana Thrift Executive Compensation," August, 1990; "Thrift Executive Compensation for Ohio, Michigan and Indiana," September 1991, September 1992; September 1993, August 1994, September 1995 and September 1996; "Bank Compensation Survey for Ohio, Michigan and Indiana," August 1994 and September 1995-1996.