Credit Conference. February 25 & 26, 2016 Omni Hotel, Nashville

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1 Credit Conference February 25 & 26, 2016 Omni Hotel, Nashville

2 Credit Conference February 25 & 26, 2016 Omni Hotel, Nashville Credit Committee Chairman: Emily B. Gray, Senior Vice President/Senior Credit Officer, The Hardin County Bank, Savannah Scott Bagwell, Robertson County President, Reliant Bank, Springfield Joel Beavers, Regional Credit Officer, SmartBank, Knoxville Gray Robert Bradley, Executive Vice President/Chief Risk Officer, Bank of Tennessee, Johnson City Tina Cline, First Vice President/Chief Compliance and CRA Officer/Audit Manager, First Century Bank, Tazewell Larry Estepp, Executive Vice President, Citizens Bank, Kingsport Philip Fons, Chief Credit Officer, INSBANK, Nashville Billy Harvel, Vice President, First Farmers and Merchants Bank, Columbia Charles Hooks, Executive Vice President/Chief Credit Officer, Sumner Bank & Trust, Gallatin Kevin W. Horne, Executive Vice President/Chief Credit Officer/Chief Operating Officer & Area President, Mountain Commerce Bank, Johnson City Beverly L. Horner, CPA, Member, KraftCPAs PLLC, Columbia John C. McDearman, III, Executive Vice President, Wilson Bank & Trust, Lebanon Monte Jones, Community President, Commercial Bank & Trust Co, Jackson Jason Price, CPA, Manager, Crowell & Crowell, PLLC, Franklin Ricky Sample, City President, Home Banking Company, Savannah Elizabeth W. Sims, Attorney, Butler Snow LLP, Nashville Scott Uselton, Executive Vice President/Chief Credit Officer, First National Bank of Middle Tennessee, McMinnville Steve Weaver, Regional Bank President, Simmons Bank, Collierville Timothy E. Wilson, Executive Vice President, The Bank of Jackson, Jackson Who Should Attend This program is designed for executive and senior management, commercial loan officers, and loan support personnel.

3 Thursday, February 25 Mobile App sponsored by Crowe Horwath LLP, Franklin, TN Pocket Agenda sponsored by First National Banker s Bank, Birmingham, AL Note pads and pens sponsored by Kirkland Financial LLC, Goodlettsville, TN Attendee list sponsored by Sageworks, Raleigh, NC Conference handout books sponsored by ServisFirst Bank, Birmingham, AL 8:00 a.m. Registration/Continental Breakfast Coffee Station sponsored by Mauldin & Jenkins CPA, LLC, Chattanooga, TN 9:00 a.m. Call to Order/Opening Remarks Emily Gray, Chairman, TBA Credit Committee, Senior Vice President/ Senior Credit Officer, The Hardin County Bank, Savannah, TN Verble TBA Chairman s Welcome David C. Verble, TBA Chairman, and President and CEO, Citizens National Bank, Sevierville, TN 9:15-9:45 a.m. Tennessee Economic Initiatives Randy Boyd, Commissioner, Tennessee Department of Economic and Community Development, Nashville Join Tennessee Economic and Community Development Commissioner Randy Boyd as he provides an update on economic Boyd growth initiatives throughout the state, including his much heralded Rural Economic Initiative. 9:45-10:30 a.m. Residential Housing Forecast Dale Akins, President, The Market Edge, Knoxville, TN Dale Akins will provide a county-specific, 2016 residential building permit forecast for all Tennessee markets, using historical employment trends and population growth projections. Akins 10:30-11 a.m. Coffee Break Sponsored by KraftCPAs PLLC, Nashville, TN 11 a.m.-noon How to Profitably Grow Your Loan Portfolio by Adding Value (2016 Outlook for Credit and Bank Profitability) Chris Nichols, Chief Strategy Officer, CenterState Bank, Walnut Creek, CA Delivering credit is a key component to driving profitability. Find out how top performing banks plan on driving above average profitability for In this session, Nichols will cover the latest Nichols credit performance by sector, what niche markets are profitable, what geography carries above-average risk, and how best to structure a loan to maximize lifetime profitability while reducing risk. Noon Lunch Desserts sponsored by Southeastern Commercial Finance, LLC, Memphis, TN

4 12:45-1:30 p.m. Luncheon Speaker The Hero Effect: Lens of Leadership Kevin Brown, Vice President of Marketing, SERVPRO, Gallatin, TN Brown As the only nonfamily member of top management of a successful international franchise, Kevin Brown will share his story of starting at the bottom of the organization with no college degree and working his way up to the executive boardroom of a company that is ranked in the Top 10 of all franchisors and No. 1 in their industry. Brown s unconventional path to business and personal success taught him that winning in business and in life requires anything but conventional thinking. He is passionate about helping people expand their vision, develop their potential, and grow their results. And, as the father of an autistic child, he knows first-hand how the principles of true success reach beyond the boardroom and into the lives of real people facing the challenges of everyday life. 1:45-3:00 p.m. Workshop I Current Underwriting Issues (Lessons Learned From the Georgia Banking Crisis) Steve H. Powell, CPA, CFE, CEM, Steve H. Powell & Company, Statesboro, GA Powell The most recent recession claimed approximately 540 banks across the country. With 92 failures representing about 17 percent of the total, Georgia led the nation in the number of banks to fail. Steve Powell will review the causes and circumstances that led to the worst commercial banking disaster in this modern economic time. What are the lessons taken away from that crisis, and how can we try to avoid the pitfalls that led to the downfall of so many banks? Are our underwriting processes and lending practices prepared to meet a challenge like this? Young Workshop II High Volatility Commercial Real Estate (HVCR): Definition, Exposure, Capital Concerns & Basel III Issues Gary J. Young, CEO, Young & Associates, Kent, OH Confusion remains on High Volatility Commercial Real Estate (HVCRE). In this breakout session, Young will delve into the specifics and provide examples of how to determine if a loan is HVCRE. Young will explore the definition of Borrower Contributed Cash, as well as the impact on capital and loan pricing. He will include the jointly issued FAQs by the regulators in April Young will spend the remaining time reviewing other confusing Basel III issues and contingency planning.

5 Augenbaum Sheridan Workshop III Information Security/Cybersecurity (From the Loan Side) Special Agent Scott Augenbaum, Cyber Crime Supervisor, Federal Bureau of Investigation-Memphis Division, Nashville, TN; and Michael Sheridan, Partner, Butler Snow LLP, Nashville, TN As more people come online, through mobile devices and otherwise, the risks associated with data breaches and cybercrime will remain a top issue for all financial institutions. Cyber risk, data security and privacy concerns are no longer solely the function of the IT department or outsourced suppliers. Senior management and board members are expected to understand and address the bank s obligations in this area. In this session, Augenbaum and Sheridan will provide the latest from a law enforcement and legal perspective on what is expected of banks by customers, regulators, third party suppliers, and others in the increasingly important and high profile field of cyber risk, data security, and privacy. 3:00 p.m. Coffee Break Sponsored by Elliott Davis Decosimo, LLC, Franklin, TN 3:20-4:35 p.m. Workshop IV Chief Credit Officer Panel on Underwriting Issues Moderator: Steve H. Powell, CPA, CFE, CEM, Steve H. Powell & Company, Statesboro, GA Panelists: Chet Alexander, Senior Vice President Credit Administration and Consumer Lending, Simmons Bank, Union City, TN; Steve Hagood, Tennessee State Bank, Pigeon Forge, TN; and Myers Jones, Chief Credit Officer, Franklin Synergy Bank, Franklin, TN Join a panel of Tennessee bankers who will discuss lessons learned with their underwriting processes and lending practices, and how Tennessee banks can prepare to meet the challenges we are facing today. Pruitt Workshop V Utilizing Data for Compliant Real Estate Evaluations While Growing Your Loan Portfolio Jason Pruitt, Director of Financial Solutions Group, CRS Data, Woodstock, GA Even though the Interagency Guidance on Real Estate Evaluations and Appraisal Review seems like old news, recent findings in examinations have pushed the concerns back to the forefront. Learn how your institution can use public record real estate data to ensure you provide compliant, in-house property evaluations, as well as identify maturing real estate loans in your market.

6 Wallace Workshop VI The Business Case for SBA Lending 7a vs. 504 Thomas Wallace, President, IDS Corporation, Fort Myers, FL What is the benefit of SBA Lending for a community bank? This overview focuses on three critical goals: Credit risk management Balance sheet and revenue recognition CRA compliance The objective is to provide community bankers with a high level overview of the impact of the various SBA programs and thus provide a basis for an accurate decision on participation in the programs. 5-6 p.m. Reception Sponsored by Financial Products and Services, Inc., Nashville, TN Thank You to Our Sponsors Bankers Healthcare Group, Syracuse, NY Friday morning coffee station Capsa Group, LLC, Nashville, TN Friday morning coffee break Crowe Horwath LLP, Franklin, TN Mobile App CRS Data, Knoxville, TN Friday audio visual services Elliott Davis Decosimo, LLC, Franklin, TN Thursday afternoon coffee break Financial Products and Services, Inc., Nashville, TN Reception First National Banker s Bank, Birmingham, AL Pocket Agenda Kirkland Financial LLC, Goodlettsville, TN Note pads and pens KraftCPAs PLLC, Nashville, TN Thursday morning coffee break Mauldin & Jenkins CPA, LLC, Chattanooga, TN Thursday morning coffee station Sageworks, Raleigh, NC Attendee list ServisFirst Bank, Birmingham, AL Conference handout books Southeastern Commercial Finance, LLC, Memphis, TN Thursday lunch desserts Kirkland Financial LLC

7 Friday, February 26 Audio visual services sponsored by CRS Data, Knoxville, TN 7:30 a.m. Continental Breakfast Coffee Station sponsored by Bankers Healthcare Group, Syracuse, NY 8:30 a.m. Call to Order Emily Gray, Chairman, TBA Credit Committee, Senior Vice President/ Senior Credit Officer, The Hardin County Bank, Savannah, TN Gray 8:40 a.m. Young Bankers Division Update Bo Blanken, Chairman, Young Bankers Division, and Assistant Vice President, Citizens Bank and Trust Company of Grainger County, Rutledge, TN Blanken 8:45 a.m. State and Federal Legislative Update Timothy L. Amos, Executive Vice President and General Counsel, Tennessee Bankers Association, Nashville, TN Amos will highlight expected federal and state legislative and regulatory issues. Amos 9:15-9:45 a.m. State Banking Update Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, Nashville, TN Join Commissioner Gonzales as he provides an update on the state of Tennessee banking and takes a look at what is needed for our state s Gonzales banks to thrive in today s economic and regulatory environment. 9:45-10 a.m. Coffee Break Sponsored by Capsa Group, LLC, Nashville, TN 10-10:45 a.m. Monetary Policy and Economic Outlook Chris Low, Chief Economist, FTN Financial, New York, NY Join FTN Financial s Chris Low for his 2016 economic update. Low will walk you through the economy, the inflation outlook, and the outlook for interest rates in what promises to be an exciting and Low challenging couple of years for bankers. 10:45-11 a.m. Wrap-Up/Adjourn Emily Gray, Chairman, TBA Credit Committee, Senior Vice President/ Senior Credit Officer, The Hardin County Bank, Savannah, TN

Download the FREE Credit Conference Mobile App For more detailed information visit: http://guidebook.

Open the Guidebook App by clicking on their icon in your phone (Download Guidebook free from your app

Enter redeem code: TBAcredit16 4. Tap the Get This Guide box to download the event app 5.

for TBA s Legislative Reception Wednesday, February 24, 5 7 p.m.

8 Download the FREE Credit Conference Mobile App For more detailed information visit: Use code: TBAcredit16 To get the 2016 Credit Conference Event App: 1. Open the Guidebook App by clicking on their icon in your phone (Download Guidebook free from your app store if you don t already have it) 2. Select Use Code under the Guidebook logo, above the search bar 3. Enter redeem code: TBAcredit16 4. Tap the Get This Guide box to download the event app 5. Explore the app Sponsored by Crowe Horwath LLP, Franklin, TN Join us the night before Credit Conference for TBA s Legislative Reception Wednesday, February 24, 5 7 p.m. War Memorial Auditorium 301 6th Avenue North Early Registration $50 Early registration deadline is February 10 Contact Penny Powlas to register ppowlas@tnbankers.org or

9 General Information Attire: Business casual attire is appropriate for all TBA programs. Because of temperature variations in meeting rooms, please bring a sweater or jacket for your comfort. Special Needs: If you have a special need that may affect your participation in this program, or special dietary requests, please send TBA a statement regarding these at least 10 days before the program. We will contact you to discuss accommodations. Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commitments with hotels, cancellations received less than five business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee. Inclement Weather Policy: Cancellations due to inclement weather are refundable, minus a late cancellation fee of $50 for a one-day program and $75 for a two-day program. Please call the TBA office at or x 150 concerning the status of a program due to inclement weather. This will provide information concerning program status, cancellation fee, and refund requests. You may call the program site phone number listed in this brochure to check the status of the program. Additional Information Advance Preparation: No advance preparation is required for this program Prerequisites: Previous experience in the lending arena is helpful Program Level: Intermediate-to-advanced Delivery Method: Group-live Continuing Education Credit Attendants qualify for 9 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. For more information regarding administrative policies or complaints, please contact our offices at 615/ Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: This program has not been pre-approved for ICB CE credits. Attendees who require ICB credits should go to for further instructions. For additional continuing education information, call the TBA education department at or

10 Hotel Information This year s conference is held again at the Omni Nashville Hotel (250 5th Avenue South, 37203). A variety of shops, restaurants, and entertainment options are within the hotel and right outside the hotel s front door. The Omni Hotel is holding a block of rooms on a first-come, first-served basis at a special group rate of $209 single/double per night. To make reservations, please contact Omni Reservations at 800-THE-OMNI ( ) and request the Tennessee Bankers Association Credit Conference to receive the special group rate. The deadline for making hotel reservation at this special conference rate is Wednesday, February 3, When the allotted room block is sold, room rates will return to standard prices on a space-available basis, even if it is BEFORE the February 3 deadline. Due to an increase in convention activity at the hotel during these dates, an option to extend the conference deadline will NOT be available. Please make your reservations early. Registration Fees Team Discount: A discount of $25 per person is available for multiple registrations from the same institution, after the initial registration. Only the first registrant from your institution pays the full fee. To be eligible for the team discount, you MUST register all your attendees at the same time. Members / Associate Members Member / Associate Member Spouses Full Conference Fees include instructional materials, continental breakfast and refreshment breaks both days, and lunch and reception on Thursday. Spouse Fees include reception on Thursday evening. Please register early. Day-of-program registrants will be assessed an additional $50 late registration fee. The team discount is not available to day-of-program registrants. Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. No written confirmation of registration will be send from the TBA. For more information, please contact: Susan Taylor, CMP staylor@tnbankers.org Senior Vice President of Professional Development Tennessee Bankers Association, or , or visit our website at Nonmembers Nonmember Spouses Early Registration $450 $50 $900 $100 Each Additional Person $425 $50 $875 $100 Early registration deadline is February 11. Registration $480 $50 $930 $100 Each Additional Person $455 $50 $905 $100 Day-of-Program $530 $75 $980 $125

11 2016 Credit Conference February 25 & 26, Omni Nashville Hotel, Nashville, TN Please print or type. List name and badge nickname for each attendee. Check space if registrant is a spouse. LAST 4 DIGITS Delegates only. Only used for educational tracking purposes Name Nickname Title Spouse SS# Name Nickname Title Spouse SS# Name Nickname Title Spouse SS# Name Nickname Title Spouse SS# Name Nickname Title Spouse SS# Contact Company Address City State Zip Phone Fax Team Discount: A discount of $25 per person is available for multiple registrations from the same institution, after the initial registration. Only the first registrant from your institution pays the full fee. To be eligible for the team discount, you must register all your attendees at the same time. TOTAL: $ Please make check payable to Tennessee Bankers Association. Method of payment: q VISA q MasterCard q Check Ck# Members / Associate Members Member / Associate Member Spouses Nonmembers Nonmember Spouses Early Registration $450 $50 $900 $100 Each Additional Person $425 $50 $875 $100 Card # Exp Date Name as appears on card (please print) Card billing address Early registration deadline is February 11. Registration $480 $50 $930 $100 Each Additional Person $455 $50 $905 $100 Day-of-Program $530 $75 $980 $125 4 ways to register! 1. Register online at 2. Scan this form and it to mjenkins@tnbankers.org 3. Mail this form to the address on the right 4. Fax this form to City State Zip Signature Return completed form and payment to: Tennessee Bankers Association Attn: Monique Jenkins 211 Athens Way, Ste 100 Nashville, TN Fax Fax for credit cards only

12 Upcoming Southeastern Schools SM Conducted by the Tennessee Bankers Association The Southeastern School of Advanced Commercial Lending SM February 1 3, 2016 Brochure out now The Southeastern School of Consumer Credit SM March 6 11, 2016 Brochure available January, 2016 The Southeastern School of Commercial Lending SM May 22 27, 2016 Brochure available February, 2016 The Southeastern School of Banking SM Concurrent 1st- and 2nd-year sessions July 17 22, 2016 Brochure available April, 2016 For more information, contact: Susan Taylor, CMP - staylor@tnbankers.org Senior Vice President of Professional Development Tennessee Bankers Association or or Athens Way, Ste 100 Nashville, TN Visit TNBankers.org to find our latest education listings

TRUST AND WEALTH MANAGEMENT CONFERENCE

TRUST AND WEALTH MANAGEMENT CONFERENCE NOVEMBER 3 & 4, 2016 TBA BARRETT TRAINING CENTER, NASHVILLE TRUST COMMITTEE Chairman: Derrick Jones, Wealth Management Services Managing Director, Truxton Trust,