CreditConferenceFebruary 25 & 26, 2016Omni Hotel, Nashville

2015-16 Credit CommitteeChairman: Emily B. Gray, Senior Vice President/Senior Credit Officer, The Hardin County Bank, SavannahScott Bagwell, Robertson County President, Reliant Bank, SpringfieldJoel Beavers, Regional Credit Officer, SmartBank, KnoxvilleRobert 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, TazewellLarry Estepp, Executive Vice President, Citizens Bank, KingsportPhilip Fons, Chief Credit Officer, INSBANK, NashvilleBilly Harvel, Vice President, First Farmers and Merchants Bank, ColumbiaCharles Hooks, Executive Vice President/Chief Credit Officer, Sumner Bank & Trust, GallatinKevin W. Horne, Executive Vice President/Chief Credit Officer/Chief Operating Officer & Area President, Mountain Commerce Bank, Johnson CityBeverly L. Horner, CPA, Member, KraftCPAs PLLC, ColumbiaJohn C. McDearman, III, Executive Vice President, Wilson Bank & Trust, LebanonMonte Jones, Community President, Commercial Bank & Trust Co, JacksonJason Price, CPA, Manager, Crowell & Crowell, PLLC, FranklinRicky Sample, City President, Home Banking Company, SavannahElizabeth W. Sims, Attorney, Butler Snow LLP, NashvilleScott Uselton, Executive Vice President/Chief Credit Officer, First National Bank of Middle Tennessee, McMinnvilleSteve Weaver, Regional Bank President, Simmons Bank, ColliervilleTimothy E. Wilson, Executive Vice President, The Bank of Jackson, Jackson

Gray

Who Should AttendThis program is designed for executive and senior management, commercial loan officers, and loan support personnel.

Credit ConferenceFebruary 25 & 26, 2016 | Omni Hotel, Nashville

Thursday, February 25Mobile App sponsored by Crowe Horwath LLP, Franklin, TNPocket Agenda sponsored by First National Banker’s Bank, Birmingham, ALNote pads and pens sponsored by Kirkland Financial LLC, Goodlettsville, TNAttendee list sponsored by Sageworks, Raleigh, NCConference 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

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 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.

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 2016. In this session, Nichols will cover the latest 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

Verble

Boyd

Akins

Nichols

12:45-1:30 p.m. Luncheon Speaker The Hero Effect: Lens of Leadership Kevin Brown, Vice President of Marketing, SERVPRO, Gallatin, TN

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

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?

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 2015. Young will spend the remaining time reviewing other confusing Basel III issues and contingency planning.

Brown

Powell

Young

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.

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.

Augenbaum

Sheridan

Pruitt

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 complianceThe 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 SponsorsBankers Healthcare Group, Syracuse, NY – Friday morning coffee stationCapsa Group, LLC, Nashville, TN – Friday morning coffee breakCrowe Horwath LLP, Franklin, TN – Mobile AppCRS Data, Knoxville, TN – Friday audio visual servicesElliott Davis Decosimo, LLC, Franklin, TN – Thursday afternoon coffee breakFinancial Products and Services, Inc., Nashville, TN – ReceptionFirst National Banker’s Bank, Birmingham, AL – Pocket AgendaKirkland Financial LLC, Goodlettsville, TN – Note pads and pensKraftCPAs PLLC, Nashville, TN – Thursday morning coffee breakMauldin & Jenkins CPA, LLC, Chattanooga, TN – Thursday morning coffee stationSageworks, Raleigh, NC – Attendee listServisFirst Bank, Birmingham, AL – Conference handout booksSoutheastern Commercial Finance, LLC, Memphis, TN – Thursday lunch desserts

Wallace

Kirkland Financial LLC

Friday, February 26Audio 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

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

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.

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 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 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

Blanken

Amos

Gonzales

Low

Gray

For more detailed information visit: http://guidebook.com/

Download the FREE Credit Conference

Mobile App

Sponsored by Crowe Horwath LLP, Franklin, TN

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

Wednesday, February 24, 5–7 p.m.War MeMorial auditoriuM

Join us the night before Credit Conference for TBA’s

301 6th Avenue North

Early Registration $50Early registration deadline is February 10Contact Penny Powlas to registerppowlas@TNBankers.org615-244-4871 or 800-964-5525

LegisL at ive Recep t ion

General InformationAttire: 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 pro-gram, 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 615-244-4871 or 800-964-5525 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 InformationAdvance Preparation: No advance preparation is required for this programPrerequisites: Previous experience in the lending arena is helpfulProgram Level: Intermediate-to-advancedDelivery Method: Group-live

Continuing Education CreditAttendants 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 615/244-4871.

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: www.learningmarket.org.

This program has not been pre-approved for ICB CE credits. Attendees who require ICB credits should go to http://www.aba.com/Training/ICB/Pages/default.aspx for further instructions. For additional continuing education information, call the TBA

education department at 800-964-5525 or 615-244-4871.

Hotel InformationThis 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 (800-843-6664) 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 Wednes-day, February 3, 2016. 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

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.orgSenior Vice President of Professional DevelopmentTennessee Bankers Association, 615-244-4871 or 800-964-5525, or visit our website at www.TNBankers.org.

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

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

Nam

e __

____

____

____

____

____

____

____

____

Nic

knam

e __

____

___

Tit

le__

____

____

____

____

____

____

_ E

mai

l ___

____

____

____

____

____

S

pou

se

SS#

__ _

_ _

_ _

_

Nam

e __

____

____

____

____

____

____

____

____

Nic

knam

e __

____

___

Tit

le__

____

____

____

____

____

____

_ E

mai

l ___

____

____

____

____

____

S

pou

se

SS#

__ _

_ _

_ _

_

Nam

e __

____

____

____

____

____

____

____

____

Nic

knam

e __

____

___

Tit

le__

____

____

____

____

____

____

_ E

mai

l ___

____

____

____

____

____

S

pou

se

SS#

__ _

_ _

_ _

_

Nam

e __

____

____

____

____

____

____

____

____

Nic

knam

e __

____

___

Tit

le__

____

____

____

____

____

____

_ E

mai

l ___

____

____

____

____

____

S

pou

se

SS#

__ _

_ _

_ _

_

Nam

e __

____

____

____

____

____

____

____

____

Nic

knam

e __

____

___

Tit

le__

____

____

____

____

____

____

_ E

mai

l ___

____

____

____

____

____

S

pou

se

SS#

__ _

_ _

_ _

_

Con

tact

___

____

____

____

____

____

____

____

____

____

____

____

____

____

__E

mai

l ___

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

__

Com

pan

y __

____

____

____

____

____

____

____

____

____

____

____

____

____

__A

dd

ress

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Cit

y __

____

____

____

____

____

____

____

____

____

____

____

____

Sta

te _

____

Zip

___

____

____

____

__ P

hone

___

____

____

____

____

__ F

ax _

____

____

____

____

____

____

____

20

16 C

red

it C

on

fere

nce

Feb

ruar

y 25

& 2

6, 2

016

- O

mn

i Nas

hvi

lle H

ote

l, N

ash

ville

, TN

Ple

ase

pri

nt o

r ty

pe.

Lis

t na

me

and

bad

ge

nick

nam

e fo

r ea

ch a

tten

dee

. Che

ck s

pac

e if

reg

istr

ant

is a

sp

ous

e.

LAST

4 D

IGIT

SD

eleg

ates

onl

y.O

nly

used

fo

r ed

ucat

iona

ltr

acki

ng p

urp

ose

s

Plea

se m

ake

chec

k pa

yabl

e to

Ten

ness

ee B

anke

rs A

ssoc

iatio

n.Te

am D

isco

unt:

A d

isco

unt

of $

25 p

er p

erso

n is

ava

ilabl

e fo

r m

ultip

le r

egis

trat

ions

fro

m t

he s

ame

inst

itutio

n, a

fter

the

initi

al re

gist

ratio

n. O

nly

the

first

regi

stra

nt fr

om y

our i

nstit

utio

n pa

ys th

e fu

ll fe

e.

To b

e el

igib

le fo

r th

e te

am d

isco

unt,

you

mus

t re

gist

er a

ll yo

ur a

tten

dees

at

the

sam

e tim

e.

Mem

bers

/ A

ssoc

iate

Mem

bers

Mem

ber /

Ass

ocia

te

Mem

ber

Sp

ouse

sN

onm

embe

rsN

onm

embe

r Sp

ouse

s

Ear

ly R

egis

trat

ion

$450

$50

$900

$100

Each

Add

ition

al P

erso

n$4

25$5

0$8

75$1

00

Ear

ly r

egis

trat

ion

dea

dlin

e is

Feb

ruar

y 11

.

Reg

istr

atio

n$4

80$5

0$9

30$1

00

Each

Add

ition

al P

erso

n$4

55$5

0$9

05$1

00

Day

-of-

Prog

ram

$530

$75

$980

$125

Ret

urn

com

ple

ted

fo

rm a

nd p

aym

ent

to:

Tenn

esse

e B

anke

rs A

ssoc

iatio

nA

ttn:

Mon

ique

Jen

kins

211

Ath

ens

Way

, Ste

100

• N

ashv

ille,

TN

372

28-1

381

615-

244-

4871

• 8

00-9

64-5

525

• Fa

x 61

5-32

4-19

90 •

ww

w.T

NB

anke

rs.o

rgFa

x fo

r cr

edit

card

s on

ly

TOTA

L:

$ __

____

____

____

__

Met

hod

of

pay

men

t: q

VIS

A

q M

aste

rCar

d

q C

heck

C

k# _

____

____

Car

d #

__

____

____

____

____

____

____

____

____

___

Exp

Dat

e __

____

____

____

_

Nam

e as

ap

pea

rs o

n ca

rd (p

leas

e p

rint

) ___

____

____

____

____

____

____

____

___

Car

d b

illin

g a

dd

ress

___

____

____

____

____

____

____

____

____

____

____

____

____

Cit

y __

____

____

____

____

____

____

____

___

Stat

e___

____

_ Zi

p _

____

____

____

___

Sig

natu

re _

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

4 w

ay

s t

o r

eg

ist

er

! 1

. Re

gist

er o

nlin

e at

ww

w.T

NB

anke

rs.o

rg

2.

Scan

th

is fo

rm a

nd e

mai

l it t

o m

jenk

ins@

TNB

anke

rs.o

rg

3.

Mai

l thi

s fo

rm to

the

addr

ess

on th

e rig

ht

4.

Fax

this

form

to 6

15-3

24-1

990

211

Ath

ens

Way

, Ste

100

Nas

hvill

e, T

N 3

7228

-138

1

Vis

it T

NB

anke

rs.o

rg

to fi

nd o

ur la

test

ed

ucat

ion

listi

ngs

Up

com

ing

Sou

thea

ster

n S

cho

ols

SM

Con

duct

ed b

y the

Ten

ness

ee B

anke

rs A

ssoc

iatio

n

The

Sout

heas

tern

Sch

oo

l of

Ad

vanc

ed

Co

mm

erci

al L

end

ing

SM

Feb

ruar

y 1–

3, 2

016

Bro

chur

e o

ut n

ow

The

Sout

heas

tern

Sch

oo

l of

Co

nsum

er C

red

itSM

M

arch

6–1

1, 2

016

Bro

chur

e av

aila

ble

Jan

uary

, 201

6

The

Sout

heas

tern

Sch

oo

l of

Co

mm

erci

al L

end

ing

SM

May

22–

27, 2

016

Bro

chur

e av

aila

ble

Feb

ruar

y, 2

016

The

Sout

heas

tern

Sch

oo

l of

Ban

king

SM

Con

curr

ent

1st-

and

2nd

-yea

r se

ssio

ns J

uly

17–2

2, 2

016

Bro

chur

e av

aila

ble

Ap

ril,

2016

For

mo

re in

form

atio

n, c

on

tact

:Su

san

Tayl

or, C

MP

- sta

ylor

@tn

bank

ers.o

rgSe

nior

Vic

e Pre

side

nt o

f Pro

fess

iona

l Dev

elop

men

tTe

nnes

see

Bank

ers A

ssoc

iati

on80

0-96

4-55

25 o

r 615

-244

-487

1 or

ww

w.TN

Bank

ers.o

rg