NEW INSTRUCTORS & NEW CONTENT February 27 Nashville TBA Barrett Training Center

THIS PROGRAM IS COSPONSORED BY

KPN Consulting

2014Safety & Soundness:Current Regulatory Practices

Seminar DescriptionBased on both the reduction in the number of failures as well as significant profitability in 2013, this banking crisis appears to be coming to an end. That said, between a troublesome economy and unprecedented low interest rates, we clearly are not without our chal-lenges in 2014. If those challenges arent sufficient, we can also count on additional requirements from both Dodd-Frank and BASEL III! How we manage each of these opportunities will have a lot to do with our success in 2014. This workshop is designed to provide bankers an opportunity to discuss these challenges with their banking regulators. Representatives from the Federal Reserve Bank of Atlanta, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Tennessee Department of Financial Institutions, have been invited to participate in our regulatory panel. Regulatory Panel members on hand will address the CAMELS issues.

2014 Safety & Soundness

Program Agenda8:30 Continental Breakfast & Registration

9:00 Industry and Regulatory Update Jared Murphy, Managing Director, Blackrock

This session will provide a brief perspective on our indus-try and its challenges from the regulatory arena.

9:45 Regulatory Panel Opening CommentsIn this brief session, four panel members will provide a view on issues of relevance for 2014.

10:00 Capital Adequacy | Panel Discussion Kamal Mustafa, Chairman/CEO, Invictus Consulting Group

We see an interesting discussion around capital in our future, and nothing holds as much opportunity or difficulty than the question of How much capital is enough? This presen-tation will address some of the key criteria for establishing the right amount of capital and discuss how we see regula-tors managing this issue going forward.

10:45 Networking Break

11:00 Asset Quality | Panel Discussion Steve Miller, Chief Risk Officer, First Principles Capital Management

Asset quality is always a key to earnings in our industry, and this session will focus on what we see today as a significant problem in the expected rising rate environment the invest-ment portfolio. We will focus on what we see in the coming 12 months from the capital markets arena, particularly as it affects interest rate movements. Our goal with this presentation and with the panel response is to figure out how to best protect ourselves from significant loss in value of this critical asset.

11:45 Management | Panel Discussion Peter Weinstock, Partner, Hunton & Williams

The management component tended to be reflec-tive of the other five ratings, but we see this chang-ing in the future. This session will focus on how examiners view this rating going forward along with what we see as sound management practices. Participants will gain a perspective on how best to manage this crucial rating in 2014 and beyond.

12:30 Lunch

1:15 Earnings | Panel Discussion Craig Poms, Chief Delivery Officer, PrecisionLender

This session will focus on managing the loan port-folio for success in the coming years. We see sound loan pricing coupled with deep client relationships as the key to this issue. This presentation and panel response will provide input into how community banks can best deliver on this idea in the future.

2:00 Liquidity & Funds Management | Panel Discussion Jill Holton, Vice President, BNY Mellon Capital Markets, LLC Karl Nelson, CEO, KPN Consulting

This session will answer how we assure we can con-tinue to fund our growth while creating the most ef-ficient cost of funds. This presentation and response is particularly important to bankers as we wrestle with the shortcomings of a short funding concept coupled with a need to take on longer-term assets for profitability. What is the best core/wholesale funding concept for our industry, and how do our examiners see this issue?

2:45 Networking Break

3:00 Sensitivity | Panel Discussion Tom Bryan, CEO, Nymbol Technology

Though this issue has been on the radar for over 15 years, our regulators are as concerned with this topic as any other as we enter 2014. Understanding your own IRR model and making certain that your board is involved with this issue is a major issue facing our industry in the future. This presentation will focus on how modeling works with an emphasis on economic value of equity as the key concern for 2014. We will examine the difference between planning and risk with an eye toward how stress testing has become the central issue in this rating.

4:00 Adjourn

2014 Safety & Soundness: Current Regulatory Practices

Date & LocationFebruary 27 NashvilleTBA Barrett Training Center 211 Athens Way Nashville, TN 37228 800/964-5525 or 615/244-4871

Who Should AttendCEOs, CFOs, directors, presidents, & senior management

Delivery Method / Program Level / ContentThis interactive live, overview program will cover many issues surrounding the days topics. The program content is structured for intermediate to advanced level participants. The facilitators and presenters will take time to discuss and answer questions.

Continuing Education CreditAttendants qualify for 6.5 hours of Continuing Profes-sional Education (CPE) credit in the area of Specialized Knowledge and Application. No advanced preparation

required for this program. In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more information regard-ing 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. Attendants who require ICB credits should go to www.aba.com/Training/ICB/Pages/membercereview.

aspx for further instructionsFor additional continuing education credit information, call the TBA education department at 800/964-5525 or 615/244-4871.

Hotel InformationThe TBA has not blocked hotel rooms for this program. For those who need overnight accommodations, the Millennium Maxwell House Hotel, 2025 Rosa L Parks Boulevard, offers a Tennessee Bankers Association preferred corporate rate of $102 per night. Alternate-level rooms are at a higher rate. These are space-available rates. Call 615/259-4343 to reserve accom-modations and remember to ask for the Tennessee Bankers Association corporate rate. Millennium Maxwell House Hotel has a minimum 48-hour cancellation policy, no exceptions.

The SpringHill Suites by Marriott-Nashville MetroCenter, located across the street from the TBA Barrett Training Center, 250 Athens Way, also offers rooms. Contact the hotel directly at 800/971-4761 and ask for the Tennessee Bankers Association special group rate of $122.

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 program, please send TBA a statement regard-ing any special needs at least 10 days before the program. We will contact you to discuss accommodations.

Cancellation Policy: Cancellations received in the TBA of-fice 5 business days prior to the scheduled program will be refunded in full. Due to commitments, cancellations received less than 5 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. 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.

Program FeesTBA Members / Associate Members Nonmembers

Early Registration $220 $440

Early registration deadline is February 20.

Registration $250 $470

Day-of-Program $300 $520

Fee covers instruction, updated materials, refreshment breaks, and lunch. Please register early. Day-of-program registrants will be assessed an additional $50 late registration fee - no exceptions!

No written confirmation of seminar registration will be sent from the TBA.

Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.

For more information about this program, contact: Debbie Brickles - dbrickles@TNBankers.orgVice President and Director of Training & DevelopmentTennessee Bankers Association800/964-5525 or 615/244-4871

Program FacilitatorsKarl Nelson is the president and CEO of KPN Con-sulting, an organization engaged in the ALCO, fund-ing, and liquidity arena. His career has included senior positions with Silverton Bank, IDC Deposits, and Pr