Q uality. Circle Presented by the Western Pennsylvania AssociaƟon of SBA Guaranteed Lenders

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Q uality Circle 2016 Presented by the Western Pennsylvania AssociaƟon of SBA Guaranteed Lenders May 23 24, 2016 Nemacolin Woodlands Resort Farmington, PA

A C Quality Circle is back and promo ng a new format and venue! A er 20 consecu ve years of Quality Circle at Seven Springs Mountain Resort, the WPASGL board has decided to make a number of changes to our annual small business lending conference and training event. This year's event will be hosted at the pres gious Nemacolin Woodlands Resort, with an expanded program designed to encompass the global landscape facing today s Business Banker. We will feature sessions for SBA lending partners, non-lending resources partners and service providers to encourage them to think of SBA as an op on to get the deal done. Presenta ons will be focused on business lending skills and enhancements for the 21st century Business Banker. Conference Agenda: Monday, May 23 7:00 11:00am: Exhibitor Set-up 11:00 12:30pm: Registra on & Networking with Exhibitors 12:30 1:30pm: Luncheon & Keynote Speaker 1:30 2:00pm: Networking with Exhibitors 2:00 3:15pm: Breakout Sessions 3:15 3:45pm: Networking with Exhibitors 3:45 5:00pm: Breakout Sessions 8:00 11:00pm: Lender s Party Tuesday, May 24 8:00 9:00am: Breakfast 9:00 9:45am: General Session 9:45 10:15am: Networking with Exhibitors 10:15 11:30am: Breakout Sessions 11:30 1:00pm: Luncheon & General Session

R Breakout Sessions: Monday, May 23rd 2:00 3:15pm SBA A to Z: How SBA Complements Your Conventional Loans Increase lending opportunities for your financial institution benefits and complements traditional underwriting and limit Bank risk. Accounting and Tax Update from a CPA Don Johnston, Partner at Grossman, Yanak & Ford, LLP, will cover topics including updates to tax and financial reporting matters and what is on the horizon in an election year. 3:45 5:00pm Changes to SBA Lending: A Global Perspective Starfield & Smith will update you on a wide variety of policy changes in both the 7(a) program and the 504 program. Top 10 Roadblocks in Closing: Moving from Pipeline to Portfolio. Learn how to handle common roadblocks in the due diligence phase such as appraisals, landlords, life insurance and others to make sure you can close the deal. Tuesday. May 24th 10:15 11:30am SBA One: Understanding What It Means to You Now and in the Future SBA s contractor will demonstrate SBA s new streamlined online lending platform. The Art of the Deal: Gaining a Competitive Advantage in Winning a Deal This innovative and interactive session will review several actual financing projects that included multiple sources of financing, and will discuss the positive and negative aspects of each structure and/or loan program utilized as well as other options that may have been appropriate for financing those projects. The group will also work through a new proposed project and how it can most effectively be financed and structured. General Sessions: Monday, May 23rd 12:30 1:30pm Welcome and Keynote Speaker Tuesday, May 24th 9:00 9:45am Hear the proposed and pending changes from top personnel from the Na onal Associa on of Government Guaran teed Lenders (invited) at our Tuesday morning Breakfast session. 11:30 1:00pm At lunch, listen and learn as our keynote speaker will be John Augus ne, Chief Investment Officer for Hun ngton Bank, and he will be discussing the business and interest rate environment. Mr. Augus ne has spent the last 25 years as an investment manager, investment strategist and economic strategist. Mr. Augus ne has appeared frequently in the na onal media, including Fox News, CNBC and Bloomberg. Early Bird: $250 Un l April 1 Regular: $265 April 2 23 Late: $300 April 24 May 13 Gov t Employee: $175 Through April 23 To register, visit WWW.WPASGL.ORG Please contact Linda Smith with any registra on ques ons. 412.480.9985 or wpasgl@aol.com

C V This year s conference will be hosted at Nemacolin Woodlands Resort in Farmington, PA. Nemacolin Woodlands Resort is a family and luxury vaca on des na on situated on 2,000 mountain acres in the Laurel Highlands of Southwestern Pennsylvania, just 70 miles from Pi sburgh. The resort enjoys four dis nct seasons and provides an array of ameni es, which take advantage of its seasonal loca on. Several dining op ons are available. A discounted group rate star ng at $149 per night has been arranged for the evening of the conference, AS WELL as three days pre-conference and three days post-conference. Room rates are available un l April 23rd OR un l the block of rooms are sold out. Make your reserva ons today!! To reserve a room, please call 866.344.6957 and men on WPASGL.

C V Benefits to Conference A endees Include: 15% Discount on merchandise purchased by individual guests in the Nemacolin Retail Shoppes (excluding Hardy Family Art Collec ons items and Hardy & Hayes) 10% discount on services at Nemacolin Wooflands Pet Resort & Spa 10% discount on services at Nemacolin Woodlands Animal Care Center (excluding emergencies) Lady Luck Casino Nemacolin Mul Day Trip Offerings: * $15 in FanPlay each day * Free transporta on from the casino throughout the Resort every 15 minutes or upon request * Daily dining deals * $50 weekly e-mail drawings * Gambling Problem? Call 1-800-GAMBLER

C V Enjoy a Tee Time at Mys c Rock! The remarkable Mys c Rock, a dream of Resort Founder, Joseph Hardy, and the vision of design master, Pete Dye, resulted in one of the country s finest golf courses which consistently ranked #1 Public Course in PA and #55 100 Best Resort Courses. A par-72 course layout, Mys c Rock has a ra ng on 77 and slope of 149 from the championship tees, one of the highest ra ngs in the country. Special Rate for WPASGL Conference Par cipants! $120 for green fee, cart fee, forecaddie fee, golf gratuity & tax CALL 724.329.6111 to reserve your me!

S O Conference Sponsor $2,500 with full conference registra on Opportunity to speak at all general sessions Introduce the Keynote Speaker at the Opening Luncheon Promo onal material in Conference Bags Prominent logo placement on conference material Monday Luncheon Sponsor $1,500 Opportunity to address conference a endees at lunch Tuesday Breakfast Sponsor $1,500 Opportunity to address conference a endees at breakfast Tuesday Luncheon Sponsor $1,500 Opportunity to address conference a endees at lunch Exhibitors For-Profit $1,000 Non-Profit $500 One a endee Contact either Dave Miller or Ma Roach to reserve your spot today!! Dave: dmiller@enterprisebankpgh.com, 412.487.3810 Matt: matthew.j.roach@huntington.com, 724.741.2820