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A g e n d AJ u n e 5 – 7 , 2 0 1 6 | B e l m o n d c h A r l e s t o n p l A c e | c h A r l e s t o n , s c

Sunday, June 59:00 – 9:30 a.m. Morning Devotional – Drayton Led by Jon Goodson, Financial Products and Services, Inc, Nashville3:00 – 5:45 p.m. Registration in Exhibit Hall – Cypress/Dogwood/Live Oak Submit your Banquet Exchange Coupon for table seating at Tuesday’s banquet3:00 – 5:45 p.m. Refreshments in Exhibit Hall Sponsored by American Bankers Association6:00 – 7:30 p.m. Chairman’s Reception – Magnolia/Willow Sponsored by Olsen Palmer, Washington, DC

Monday, June 67:00 – 7:30 a.m. Coffee with the Commissioner – Pavilion Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions7:30 – 11:30 a.m. Registration in Exhibit Hall – Cypress/Dogwood/Live Oak Submit your Banquet Exchange Coupon for table seating at Tuesday’s banquet7:30 – 8:30 a.m. Exhibits Open/Continental Breakfast – Cypress/Dogwood/Live Oak Sponsored by ICBA Bancard and TCM Bank, Washington, DC8:30 a.m. Gospel singers Voices of Deliverance to Open General Session8:30 – 11:30 a.m. Business Session – Magnolia/Willow11:30 a.m. – 1:00 p.m. Exhibits Open/Light lunch – Cypress/Dogwood/Live Oak1:00 p.m. Golf Tournament – Harbor Course at Wild Dunes Transportation will depart from Bell Stand area at noon. Sponsored by Pathway Lending, Nashville, TN Boxed lunches sponsored by Travelers, Charlotte, NC Pre-registration required 9:00 – 10:30 p.m. Dessert Reception – Riviera Theater Sponsored by Investors Title Insurance Company, Chapel Hill, NC Dessert reception music sponsored by Alexander Thompson Arnold, PLLC, Milan, TN

TueSday, June 77:00 – 7:30 p.m. The Top Five Areas of Focus for Bank CEOs and Directors – Pavilion Presented by Jason Caskey and Bill Bossong, Elliott Davis Decosimo, Franklin, TN7:30 – 11:30 a.m. Registration in Exhibit Hall – Cypress/Dogwood/Live Oak7:30 – 8:45 a.m. Exhibits Open/Continental Breakfast Sponsored by ICBA Bancard and TCM Bank, Washington, DC8:45 – 11:30 a.m. Business Session – Magnolia/Willow9:30 – 10:30 a.m. Horse Drawn Carriage Ridges/Spouses and Guests – Hassell Street entrance of hotel Sponsored by Citizens National Bank, Sevierville Pre-registration required 11:30 am – 1:00 p.m. Exhibits Open/Light lunch – Cypress/Dogwood/Live Oak12:50 p.m. Grand Prize Giveaway in Exhibit Hall Sponsored by First National Banker’s Bank and FNBB Capital Markets, Birmingham, AL2:00 – 3:30 p.m. Harbor Cruise – Transportation will depart from Bell Stand area at 1:30 p.m. Sponsored by Elliott Davis Decosimo, Franklin, TN Pre-registration required 6:00 p.m. Reception – Grand Hall Sponsored by Federal Home Loan Bank of Cincinnati, Cincinnati, OH7:00 p.m. Banquet/Entertainment – Live Oak/Magnolia/Willow Banquet sponsored by Financial Products and Services, Inc, Nashville, TN Banquet wine sponsored by Mauldin & Jenkins CPA, LLC, Chattanooga, TN

1. Comptroller of the Currency, Washington, DC2. Travelers, Charlotte, NC3. Crescent Mortgage Company, Knoxville, TN4. Financial PSI, Nashville, TN5. Investors Title Insurance Co, Chapel Hill, NC6. Ncontracts, Brentwood, TN7. Professional Bank Services, Inc, Brentwood, TN8. AmTrust North America, Cleveland, OH9. Bank Financial Services Group, Nashville, TN10. Level 5, LLC, Atlanta, GA11. Mauldin & Jenkins, LLC, Chattanooga, TN12. Meyer Chatfield, Nashville, TN13. Bankers Healthcare Group, Syracuse , NY14. Valuation Compliance Services, Inc, Arrington, TN15. NetGain Technologies, Chattanooga, TN16. SIB Fixed Cost Reduction, Charleston, SC17. Harland Clarke, San Antonio, TX18. Ellsworth Systems, Franklin, TN

19. High Cotton, Birmingham, AL20. Computer Services, Inc, Paducah, KY21. Holtmeyer & Monson, Memphis, TN22. KraftCPAs PLLC, Nashville, TN23. PYA, Knoxville, TN24. Works24, Edmond, OK25. Eclipse Brand Builders, Suwanee, GA26. NFP Executive Benefits, Brentwood, TN27. National Payment Systems, Greenbrier, TN28. CNA, Atlanta, GA29. Jack Henry Banking, Monett, MO30. Federal Home Loan Bank, Cincinnati, OH31. Affinion Benefits Group, Franklin, TN32. Construction Consultants, Chattanooga, TN33. BrandPoint Design, Brookfield, WI34. Shazam, Johnston, IA35. Ascensus, Brainerd, MN36. Promontory Interfinancial Network, Arlington, VA

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B u s i n e s s s e s s i o n sMonday, June 6 Magnolia/WilloW

8:30 a.m. Gospel Singers to Open General Session Voices of Deliverance, Charleston, SC

8:45 a.m. Welcome David Verble, Chairman, Tennessee Bankers Association, President/CEO, Citizens National Bank, Sevierville

9:00 a.m. Transforming Banking from the Inside–Out: Building a Culture that Drives Performance Moderated by Joe Sullivan, CEO, Market Insights, Inc, Chicago, IL Panelists: Jeff Agee, Chairman/CEO, First Citizens National Bank, Dyersburg, and Jim Rieniets, President/CEO, InsBank, Nashville

10:00 a.m. Coffee Break Sponsored by Clarity Appraisal Management, Nashville, TN

10:15 a.m. ICBA Update R. Scott Heitkamp, ICBA Chairman-elect, President/CEO, ValueBank Texas, Corpus Christi, Texas

10:30 a.m. Garden & Gun: Celebrating the Soul of the South Rebecca Wesson Darwin, President/CEO, Garden & Gun, LLC, Charleston, SC

11:30 a.m. Adjourn

TueSday, June 7 Magnolia/WilloW

8:45 a.m. Welcome David Verble, Chairman, Tennessee Bankers Association, President/CEO, Citizens National Bank, Sevierville

9:00 a.m. Economic Outlook: The Economy in 2016 Dr. Edmond J. Seifried, Co-Chairman, Seifried & Brew, LLC, Bethlehem, PA

9:50 a.m. ABA Update Paul Willson, ABA Government Relations Chairman, and Chairman, Citizens National Bank, Athens

10:10 a.m. Coffee Break Sponsored by NetGain Technologies, Chattanooga, TN

10:30 a.m. Chairman’s Report and Election of Officers David Verble, Chairman, Tennessee Bankers Association, President/CEO, Citizens National Bank, Sevierville

10:45 a.m. Understanding the Fundamentals: Keeping the 2016 Presidential Campaign from Feeling like a Rollercoaster Ride Bruce I. Oppenheimer, Professor of Public Policy and Education, Vanderbilt University, Nashville, TN

11:30 a.m. Adjourn

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A c t i v i t i e s & e v e n t sSunday, June 5Morning DevotionalTBA will host a Sunday morning devotional led by Jon Goodson of Financial PSI. Everyone is welcome.

Time: 9:00–9:30 a.m.Location: Drayton

Registration/Refreshments in Exhibit HallAfter you pick up your registration information, stop in the trade show for refreshments, and show your appreciation to the vendors for their participation. You will pick up valuable tips on how to improve your bank’s productivity with their products and services.

Time: 3:00–5:45 p.m.Location: Cypress/Dogwood/Live Oak

Chairman’s ReceptionJoin us for a reception honoring David Verble for his leadership as TBA chairman in 2015-2016.

Time: 6:00–7:30 p.m.Location: Magnolia/WillowSponsor: Olsen Palmer, Washington, DC

MERGERS & ACQUISITIONS

donna Kidd and Chairman david Verble

Monday, June 6Coffee with the CommissionerPlease join us for a few minutes with the Tennessee Department of Financial Institutions Commissioner Greg Gonzales. Bankers will have the opportunity to engage with the Commissioner in an informal Q&A session.

Time: 7:00–7:30 a.m.Location: Pavilion

Light Breakfast in Exhibit HallCoffee, juice and pastries will be available for those who want to visit with vendors before the General Session.

Time: 7:30–8:30 a.m.Location: Cypress/Dogwood/Live Oak

Light Lunch in Exhibit HallA light lunch will be available for those visiting the trade show.

Time: 11:30 a.m.–1:00 p.m.Location: Cypress/Dogwood/Live Oak

Golf TournamentDesigned by Tom Fazio, the Harbor Course is known for its challenging design and beautiful views, and most of all, water. From lagoons and salt marshes to the Intracoastal Waterway, this varied golf course will test all aspects of your game. Transportation will be provided from Bell Stand area of hotel beginning at noon. Pre-registration is requested as space is limited.

Time: 1:00 p.m. Shotgun StartLocation: Harbor Course at Wild DunesSponsor: Pathway Lending, Nashville, TNBoxed Lunches Sponsor: Travelers, Charlotte, NC

A c t i v i t i e s & e v e n t s

Gonzales

Harbor Course at Wild dunes Resort

Dessert ReceptionOne of the favorite events at the TBA Annual Meeting is the dessert reception. Please join us at the Riviera Theater across the street from the hotel for some after-dinner drinks and sweets.

Time: 9:00–10:30 p.m.Location: Riviera TheaterSponsor: Investors Title Insurance Company, Chapel Hill, NCDessert Reception Music Sponsor: Alexander Thompson Arnold, PLLC, Milan, TN

TueSday, June 7The Top Five Areas of Focus for Bank CEOs and DirectorsJoin Jason Caskey, CPA, Financial Services Practice Leader, and Bill Bossong, Financial Services Consulting Leader, of Elliott Davis Decosimo, Franklin, TN, as they explore the top five areas bank management teams should be focused on as they lead their institution forward. This presentation will provide meaningful insight into areas that impact capital planning and strategic planning for community banks.

Time: 7:00–7:30 a.m.Location: Pavilion

Light Breakfast in Exhibit HallCoffee, juice and pastries will be available for those visiting the vendors before the General Session.

Time: 7:30–8:45 a.m.Location: Cypress/Dogwood/Live Oak

Horse-Drawn Carriage Rides - Spouse/Guest EventWhile bankers are catching up on the latest industry news, spouses and guests can take a relaxing horse-drawn carriage ride through the streets of Charleston, compliments of our sponsor, TBA Chairman David Verble and Citizens National Bank in Sevierville. Carriages will load at the Hassell Street entrance of the hotel beginning at 9:30 a.m. Pre-registration is required as space is limited.

Time: 9:30–10:30 a.m.Location: Hassell Street entrance of hotelSponsor: Citizens National Bank, Sevierville

G e o r g i a | N o r t h C a r o l i n a | O h i o | S o u t h C a r o l i n a | Te n n e s s e e | V i r g i n i a | e l l i o t t d a v i s . c o m

With a 360° perspective, our financial services team is with you every step of the way.More than 125 banks in the Southeast depend on Elliott Davis Decosimo for personal attention, industry experience and services, including external and internal audit, SEC reporting, M&A consulting, taxation and compliance. Our financial services practice is more than 100 professionals strong, with a 60-year reputation for helping banks operate stronger, wiser, better. Let us help you move forward.

Horse-drawn carriage rides

TueSday, June 7 continued

Light Lunch & Prize Drawings in Exhibit HallA light lunch will be available in the Exhibit Hall for those visiting the trade show. First National Banker’s Bank/ FNBB Capital Markets, Birmingham, AL, will provide the $1,000 Grand Prize, and many exhibitors will give away prizes of their own. Prize drawings begin at 12:50 p.m. You must be present in the Exhibit Hall to win.

Time: 11:30 a.m.–1:00 p.m.Location: Cypress/Dogwood/Live OakGrand Prize Sponsor: First National Banker’s Bank and FNBB Capital Markets, Birmingham, AL Harbor Cruise

Join sponsors Elliott Davis Decosimo for a 90-minute cruise around Charleston Harbor where you will enjoy refreshments and the beautiful view of the city aboard the Spirit of Carolina. Transportation will be provided beginning at 1:30 p.m. from the bell stand area of the hotel. Pre-registration and nominal fee required as space is limited.

Time: 2:00–3:30 p.m.Location: Buses depart from Bell Stand area of hotel beginning at 1:30 p.m.Sponsor: Elliott Davis Decosimo, Franklin, TN

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Visit us at Booth #4 in the Exhibit Hall!

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Grand Prize sponsored by FnBB

Closing ReceptionJoin your fellow bankers and spouses for the final reception of the convention and capture the 126th Annual Meeting with a professional portrait. Tumbleston Photography will be set up to take complimentary portraits of individual bankers and/or their families.

Time: 6:00–7:00 p.m.Location: Grand HallReception Sponsor: Federal Home Loan Bank of Cincinnati, Cincinnati, OHPhotographs Sponsor: Shazam, Inc, Collierville, TN

Banquet and EntertainmentAfter an unforgettable banquet and dinner, you won’t be able to keep your seat as Jason D. Williams showcases his take-no-prisoners approach to performing country and rock ‘n’ roll classics on the piano.

Time: 7:00 p.m.Location: Live Oak/Magnolia/WillowBanquet Sponsor: Financial Products and Services, Inc, Nashville, TNWine Sponsor: Mauldin & Jenkins CPA, LLC, Chattanooga, TN

Remember the 126th Annual Meeting with a professional portrait. A photographer will be set up near the reception area to take complimentary photos of bankers and their families. Sponsored by SHAZAM, Inc.

TBA will offer reserved seating at the Tuesday, June 7, banquet. For those eligible to attend the banquet, a banquet exchange coupon will be included in your packets for each eligible attendee. Please have someone from your group/family bring the exchange coupon to the registration desk on Sunday or Monday during registration desk hours to choose your seat at the banquet. You will be given a card with your table number at that time. Please bring the card to the banquet in order to claim your spot at the table.

This year’s banquet features rockin’ piano man, Jason D. Williams. Williams has been performing country and rock ‘n’ roll for decades, and is known for his energetic shows, where no two performances are alike. He has spent a lifetime behind the piano connecting with country and rock ‘n’ roll greats, while creating a persona that’s 100 percent original.

At the age of 16, Williams left his tiny hometown of El Dorado, AR, to perform in northeast Massachusetts. He went solo in the late 1980s and found a steady home at Mallards in the Peabody Hotel in Memphis, TN. When a snowstorm stranded him a few steps from the Peabody door, he quickly attracted a following and the rest, as they say, is history.

PoRTRaiTS

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g e n e r A l c o n v e n t i o n i n F o

T B a R e G i S T R aT i o n d e S Kcypress/dogWood/live oak

June 5, 3:00–5:45 p.m.June 6, 7:30–11:30 a.m.June 7, 7:30–11:30 a.m.

e x H i B i T H a l l S C H e d u l ecypress/dogWood/live oak

June 5, 3:00–5:45 p.m.June 6, 7:30–8:45 a.m. & 11:30 a.m.–1:00 p.m.June 7, 7:30–8:45 a.m. & 11:30 a.m.–1:00 p.m.June 7, Grand Prize Drawing–12:50 p.m. (must be present to win)

d R e S S C o d eResort casual attire is appropriate for the TBA business sessions and Sunday and Monday night events. Business attire is suggested for Tuesday evening’s activities.

d o W n l o a d T H e a n n u a l M e e T i n G e V e n T a P PEnjoy custom schedules, exhibitor info, local activities, and much more!

REDEEM CODE: TBAannualmeeting

Learn more at:www.guidebook.comSponsored by:Bank Compliance Group, Inc, Franklin, TN

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d i R e C T o R SJ. Lee Stewart, President/CEO, Southern Heritage Bank, ClevelandM. Terry Turner, President/CEO, Pinnacle Bank, NashvilleH. McCall Wilson, Jr, President/CEO, The Bank of Fayette County, RossvilleR. Lynn Shipley, Jr, President/CEO, TriSummit Bank, KingsportPhillip L. Crawford, President/CEO, First Farmers and Commercial Bank, PikevilleMichael E. Cary, President/CEO, Carroll Bank and Trust, HuntingdonMichael Kramer, President/CEO, FSGBank, NA, ChattanoogaBetty Sue Hibdon, President/CEO, Citizens Bank, HartsvilleD. Bryan Jordan, President/CEO, First Tennessee Bank, NA, Memphis

Pa S T C H a i R M e n – e x - o F F i C i o d i R e C T o R SAnderson “Andy” L. Smith, Senior Vice President/East Tennessee Regional President, HomeTrust Bank, NA, MorristownJeff Agee, President/CEO, First Citizens National Bank, DyersburgWilliam B. Marsh, Chairman/CEO, First Commerce Bank, Lewisburg

d i V i S i o n C H a i R M e n – e x - o F F i C i o d i R e C T o R SIndependent Bankers Division Philip Renfroe, President/CEO, Community Bank, LexingtonYoung Bankers Division Chris Schlueter, Vice President, FirstBank, NashvilleCorresponding Bank Division Ronald G. Smith, Mid-America Regional President, Regions Bank, NashvilleABA State Chairman John Jordan, Area President, The Community Bank of East Tennessee, a division of Southern Bank of Tennessee, ClintonICBA State Chairman Thomas Bates, Jr, President/COO, Legends Bank, ClarksvilleFinancial Products & Services, Inc, Chairman John Muse, Chairman/President/CEO, Farmers State Bank, Mountain CityGovernment Relations Committee Chairman R. Molitor Ford, Jr, Vice Chairman/CEO, Commercial Bank & Trust Co, Memphis

C H a i R M a nDavid C. VerblePresident and CEO

Citizens National Bank, Sevierville

C H a i R M a n - e l e C TGordon Majors President and CEO

The Hardin County Bank Savannah

V i C e C H a i R M a nLee M. Moss

President Franklin Synergy Bank

Murfreesboro

P R e S i d e n TColin Barrett

Tennessee Bankers Association Nashville

2 0 1 5 - 2 0 1 6 o F F i c e r s & d i r e c t o r s

t h A n k y o u t o o u r s p o n s o r sP l aT i n u MElliott Davis Decosimo, Franklin, TN—Harbor Cruise Financial Products and Services, Inc, Nashville, TN—Banquet FTN Financial, Memphis, TN—TBA Board Dinner Investors Title Insurance Company, Chapel Hill, NC—Dessert ReceptionOlsen Palmer, Washington, DC—Chairman’s Reception

G o l dCitizens National Bank, Sevierville, TN—Carriage RidesCrowe Horwath, LLP, Brentwood, TN—Guest Room Keys Federal Home Loan Bank of Cincinnati, Cincinnati, OH—Closing Banquet Reception ICBA Bancard and TCM Bank, Washington, DC—Continental Breakfasts Pathway Lending, Nashville, TN—Golf Tournament and Private Reception

S i lV e RAlexander Thompson Arnold, PLLC, Milan, TN—Dessert Reception MusicBanc Compliance Group, Inc, Franklin, TN—Mobile App Clarity Appraisal Management, Nashville, TN—Monday Coffee BarEarl R. Whaley and Company, and Mountain Life Insurance Company,

Alcoa, TN—Brochure Printing First National Banker’s Bank/First National Banker’s Bank Capital Markets,

Birmingham, AL—Pens and Grand Prize GiveawayHelms Briscoe, Atlanta, GA—TBA Board Dinner KraftCPAs PLLC, Nashville, TN—Pocket Agenda-at-a-GlanceMauldin & Jenkins, CPAs, LLC, Chattanooga, TN—Banquet Wine NetGain Technologies, Chattanooga, TN—Tuesday Coffee Bar Shazam, Inc, Collierville, TN—Professional Photographs

B R o n z eAmerican Bankers Association, Washington, DC—Refreshments at Registration Bankers Healthcare Group, Syracuse, NY—Printed Registration ListCenterState Bank, Brentwood, TN—Bottled WatersPYA, Knoxville, TN—Note PadsServisFirst Bank, Birmingham, AL—Tote Bags SNL Financial, Charlottesville, VA—General Sponsor Travelers, Charlotte, NC—Golfers’ Boxed Lunches

HELMSBRISCOE