nnuaL 122nd

MeetingAJune 10-12, 2012 • Palmer House Hilton, CHiCago, il

2011-2012 Officers & DirectOrs

PresidentBradley L. BarrettTennessee Bankers AssociationNashville

Chairman:Donna StoneCEO, First Community Bank of Bedford County Shelbyville

Chairman-electAnderson L. SmithPresident/CEOJefferson Federal Bank Morristown

Vice ChairmanJeffrey D. AgeePresident/CEO First Citizens National Bank Dyersburg

DirectOrs Bill Dudney, President, Citizens Bank, KingsportTommy Whittaker, President/CEO, The Farmers Bank, PortlandJeff Hudson, West Tennessee President, Renasant Bank, GermantownWard Wilson, Regional President, US Bank, NA, NashvilleWilliam J. Chase, Jr, President/CEO, Triumph Bank, MemphisJoe Pugh, President/CEO, Security Federal Savings Bank of McMinnville, McMinnvillePatti Steele, President/CEO, First Volunteer Bank of Tennessee, ChattanoogaC. David Allen, President/CEO, First National Bank, Lenoir CityRonald L. Samuels, Chairman/CEO/President, Avenue Bank, NashvilleBruce Hamblen, Chairman/CEO/President, Farmers & Merchants Bank, Adamsville

Past Chairmen – ex-officio Directors William S. Stuard, Jr, President/CEO, F&M Bank, ClarksvilleMichael B. Swain, Chairman, The First National Bank of Oneida, OneidaC. Craig Fitzhugh, Chairman/CEO, Bank of Ripley, Ripley

Division Chairmen – ex-officio Directors InDePenDenT BAnkeRS DIvISIon President: Jeffrey L. Cunningham, President/CEO, Athens Federal Community Bank, Athens

Young BAnkeRS DIvISIon James S. (Jay) england, President, Decatur County Bank, Parsons

CoRReSPonDIng BAnk DIvISIon Johnny B. Moore, Jr, President/CEO, SunTrust Bank, Memphis

ABA STATe CHAIRMAn John Jordan, President/CEO, The Community Bank of East Tennessee, Clinton

ICBA STATe CHAIRMAn Chris nunn, Chief Financial Officer, Security Bancorp of Tennessee, Inc, Halls

FInAnCIAL PRoDuCTS & SeRvICeS, InC, CHAIRMAn William B. Marsh, Chairman/President/CEO, First Commerce Bank, Lewisburg

goveRnMenT ReLATIonS CoMMITTee CHAIRMAn David C. verble, President/CEO, Citizens National Bank, Sevierville

agenda at-a-glanceSunDAy, June 10

3:00 – 6:00 pm Registration / exhibits Open / Refreshments – Exhibit Hall - Level 4 Sponsored by Federal Home Loan Bank of Cincinnati, Cincinnati, OH

3:00 – 6:00 pm Concierge Service – Exhibit Hall - Level 4 Sponsored by Donna Stone and First Community Bank of Bedford County, Shelbyville, TN

6:00 – 7:00 pm Chairman’s Reception – Red Lacquer Room Sponsored by Earl R. Whaley and Company, Mountain Life Insurance Company, and CenterPoint Flood Services, Alcoa, TN

MOnDAy, June 11

7:30 – 11:30 am Registration Open – Exhibit Hall - Level 4

8:00 – 12:00 pm Concierge Service – Exhibit Hall - Level 4 Sponsored by Donna Stone and First Community Bank of Bedford County, Shelbyville, TN

7:30 – 9:00 am exhibits Open / Continental Breakfast – Exhibit Hall - Level 4

9:00 am – noon Business Session – Grand Ballroom Call to Order – Donna Stone

ABA update – Matthew H. WilliamsConsumer Financial Protection Bureau – What to expect – Greg Gonzales and Steven L. AntonakesICBA update – Terry Jordeeconomic update – Dennis P. Lockhart

11:30 – 1:00 pm exhibits Open / Light Lunch – Exhibit Hall - Level 4

9:00 – 10:30 pm Dessert Party – Empire RoomSponsored by Investors Title Insurance Company, Chapel Hill, NCMusic sponsored by PNC Capital Markets, LLC, Pittsburgh, PA

TueSDAy, June 12

7:30 – 11:30 am Registration Open – Exhibit Hall - Level 4

7:30 – 9:00 am exhibits Open / Continental Breakfast – Exhibit Hall - Level 4

9:00 am – noon Business Session – Grand Ballroom Call to Order – Donna Stone Banking in 2012 and Beyond – a CEO panel moderated by Paul Willson with panelists, Douglas Cruickshanks, D. Bryan Jordan, and Patti W. Steele Graduate School of Banking update – Don L. Woodland

Chairman’s Report/Election of OfficersBanking and the Social Media – Kendra Ramirez Relationships, Goal-Setting, and Success – Rick Insell

11:30 – 1:00 pm exhibits Open / Light Lunch – Exhibit Hall - Level 4

12:50 pm Grand Prize Giveaway in exhibit Hall – Exhibit Hall - Level 4 Sponsored by First National Banker’s Bank and First National Banker’s Bank Capital Markets, Birmingham, AL

6:00 – 7:00 pm Reception – Red Lacquer RoomSponsored by ICBA Bancard & TCM Bank and ICBA Mortgage

7:00 pm Banquet – Grand Ballroom Banquet sponsored by Financial Products and Services, Inc, Nashville, TN Wine sponsored by Mauldin & Jenkins CPA, PLLC, Birmingham, ALTable centerpieces sponsored by KraftCPAs PLLC, Nashville

Brochure Printing Sponsored By:

Crossville, TN

Business sessions & speakersTueSDAy, June 12 – Grand Ballroom

9:00 am Call to Order Donna Stone, Chairman, Tennessee Bankers Association, and Chairman, First Community Bank of Bedford County, Shelbyville, TN

Banking in 2012 and Beyond A CEO panel moderated by Paul Willson, Chairman /CEO, Citizens National Bank, Athens, with panelists, Douglas Cruickshanks, Jr, President/CEO, FirstBank, Lexington; D. Bryan Jordan, President/CEO, First Tennessee Bank, NA, Memphis, and Patti W. Steele, President/CEO, First Volunteer Bank of Tennessee, Chattanooga, TN

Graduate School of Banking update Don L. Woodland, Executive Vice President/Director, Graduate School of Banking at LSU, Baton Rouge, LA

Chairman’s Report & election of Officers

10:15 am Coffee BreakSponsored by Travelers, Charlotte, NC

10:30 am Banking and the Social Media Kendra Ramirez, Manager, Social & Mobile, Ascendum, Cincinnati, OH

Relationships, Goal-Setting, and SuccessRick Insell, Head Basketball Coach, Lady Raiders, Middle Tennessee State University, Murfreesboro, TN

noon Adjourn

MOnDAy, June 11 – Grand Ballroom

9:00 am Call to Order Donna Stone, Chairman, Tennessee Bankers Association, and Chairman, First Community Bank of Bedford County, Shelbyville, TN

ABA update Matthew H. Williams, Chairman-elect, American Bankers Association, Washington, DC, and Chairman/President, Gothenburg State Bank, Gothenburg, NE

Consumer Financial Protection Bureau – What to expectA conversation between Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, Nashville, TN, and Steven L. Antonakes, Assistant Director, Consumer Financial Protection Bureau, Washington, DC

10:00 am Coffee Break Sponsored by Crowell & Crowell, PLLC, Franklin, TN

10:15 am ICBA update Terry Jorde, Senior Executive Vice President/Chief of Staff, Independent Community Bankers of America, Washington, DC

economic update Dennis P. Lockhart, President/CEO, Federal Reserve Bank of Atlanta, Atlanta, GA

noon Adjourn

TBA ReGISTRATIOn DeSk The registration desk will be open the following times:June 10 • 3:00 – 6:00 pm – Exhibit Hall Level 4 June 11 • 7:30 – 11:30 am – Exhibit Hall Level 4June 12 • 7:30 – 11:30 am – Exhibit Hall Level 4

exHIBIT HALL SCHeDuLeThe Exhibit Hall will be open the following times June 10 • 3:00 – 6:00 pm June 11 • 7:30 – 9:00 am & 11:30 am – 1:00 pmJune 12 • 7:30 – 9:00 am & 11:30 am – 1:00 pmJune 12 • Grand Prize Drawing – 12:50 pm (must be present to win)

DReSS CODe Business casual attire is appropriate for the TBA business sessions and Sunday and Monday night events. Banquet attire–but not formal–is suggested for Tuesday evening’s activities.

general information

SunDAy, June 10Registration / exhibits Open / Refreshments Stop by the Exhibit Hall on Sunday afternoon to pick up your registration packet, visit the exhibitors, and enjoy a sampling of the tastes of Chicago.

Time: 3:00 – 6:00 pmLocation: exhibit Hall - Level 4Sponsor: Federal Home Loan Bank of Cincinnati, Cincinnati, OH

Concierge Service TBA members will have exclusive access to a concierge service to assist you with everything from restaurant reservations to tours of the city.

Time: 3:00 – 6:00 pmLocation: exhibit Hall - Level 4Sponsor: Donna Stone/First Community Bank of Bedford County, Shelbyville, Tn

Chairman’s Reception Join us in honoring Donna Stone for her outstanding leadership as TBA chairman in 2011-2012.

Time: 6:00 – 7:00 pmLocation: Red Lacquer Room Sponsors: earl R. Whaley and Company, Mountain Life Insurance Company, and CenterPoint Flood Services, Alcoa, Tn

2012 activities and events

nnuaL 122nd

MeetingA

Red Lacquer Room

MOnDAy, June 11exhibit Hall – Continental BreakfastCoffee, juice, and pastries will be available in the Exhibit Hall for those who want to visit with vendors before the General Session.

Time: 7:30 – 9:00 am Location: exhibit Hall - Level 4

Concierge Service TBA members will have exclusive access to a concierge service to assist you with everything from restaurant reservations to tours of the city.

Time: 8:00 am – 12:00 pmLocation: exhibit Hall - Level 4Sponsor: Donna Stone/First Community Bank of Bedford County, Shelbyville, Tn

exhibit Hall – Light LunchA light lunch will be available in the Exhibit Hall for those visiting the trade show.

Time: 11:30am – 1:00 pm Location: exhibit Hall - Level 4

Dessert PartySkip dessert at dinner because the Dessert Party will offer plenty of tasty delicacies to satisfy that sweet tooth. Join your fellow Tennessee bankers for some sweet treats and socializing.

Time: 9:00 – 10:30 pm Location: empire Room Sponsor: Investors Title Insurance Company, Chapel Hill, nCMusic Sponsor: PnC Capital Markets, LLC, Pittsburgh, PA

TueSDAy, June 12exhibit Hall – Continental BreakfastCoffee, juice, and pastries will be available in the Exhibit Hall for those who want to visit with vendors before the General Session.

Time: 7:30 – 9:00 am Location: exhibit Hall - Level 4

exhibit Hall – Light Lunch & Prize DrawingsA light lunch will be available in the exhibit hall for those visiting the trade show. First National Banker’s Bank and First National Banker’s Bank Capital Markets will

Light Lunch & Prize Drawings continued provide the $1,000 Grand Prize, and many exhibitors will give away prizes of their own. Prize drawings begin at 12:50 pm, and you must be present in the Exhibit Hall to win.

Time: 11:30am – 1:00 pm Location: exhibit Hall - Level 4 Grand Prize Sponsor: First national Banker’s Bank and First national Banker’s Bank Capital Markets, Birmingham, AL

ReceptionTime: 6:00 – 7:00 pmLocation: Red Lacquer Room Sponsors: ICBA Bancard & TCM Bank and ICBA Mortgage

Banquet & entertainmentTime: 7:00 pmLocation: Grand Ballroom Banquet Sponsor: Financial Products and Services, Inc, nashville, Tn Wine Sponsor: Mauldin & Jenkins CPA, PLLC, Birmingham, ALTable Centerpieces Sponsor: kraftCPAs PLLC, nashville, Tn

ADDITIOnAL SPOnSORSDaily Schedules: Alexander Thompson Arnold, PLLC, Milan, TN

Printed Registration List: BlueCross BlueShield of Tennessee, Nashville, TN

Bottled Waters: CenterState Bank, Brentwood, TN

Guest Room Key Cards: Crowe Horwath, LLP, Brentwood, TN

Pens: First National Banker’s Bank and First National Banker’s Bank Capital Markets, Birmingham, AL

General Sponsor: FTN Financial

General Sponsor: Helms Briscoe, Atlanta, GA

Agenda-at-a-Glance: HORNE LLP, Jackson, TN

Note Pads: Pathway Lending, Nashville, TN

General Sponsor: SHAZAM Network, Collierville, TN

General Sponsor: Watkins Uiberall, PLLC, Memphis, TN

Learn more about the closing evening’s entertainment on the next page.

The Chicago Music Revue

The Chicago Music Review brings together diverse music and cultural influences to present a fabulous night of Chicago blues, the group Chicago, The Blues Brothers, the Broadway Musical Chicago, and true Chicago jazz.

The Chicago Music Review band has been perform-ing the classic hits of Chicago’s most successful recording artists for 15 years. The four singers in the band perfectly mimic the original vocalists on “Make Me Smile,” “25 or 6 to 4,” and many oth-ers. With four horns and authentic arrangements, you will be treated to a concert that rivals the origi-nals. They also offer a massive repertoire of dance music from the 40’s thru the millennium.

The Blooze Brothers bring their zany performance to the stage, performing their greatest hits of “Sweet Home Chicago,” “Hey Bartender,” and many others. Jake & Elwood bring a tremendous amount of energy to these timeless selections, and act as MCs for the event.

Pistol Pete is a showy young Chicago blues guitarist who plays intricate and intense music, lighting fast licks that draw on his influences ranging from the blues of Buddy Guy, Albert King, and Howlin Wolf to the rock of Jimi Hendrix! He is a guitar virtuoso and a powerful vocalist, who performs with a daz-zling style and supreme showmanship!

entertainment for tuesday evening

The Mystique Dancers, with their spectacular costumes, will entertain with memorable production numbers from the musical Chicago, such as “All That Jazz,” “When You’re Good To Mama,” and “Roxie.”

exhibit HallAll Clear System, LLC, Kingsport, TN Banc Compliance Group, Inc, Franklin, TNBancInsure, Oklahoma City, OK Bank Financial Services Group, Inc, Nashville, TNBankers Healthcare Group, Syracuse, NY Cardinal Software, Inc, Johnston, IAComputer Services, Inc, Paducah, KYCredit Risk Management, LLC, Raleigh, NCCrescent Mortgage Company, Knoxville, TN CRS Data, Knoxville, TN Diebold, Incorporated, Nashville, TNElite Financial Products, Inc, Clarksville, TN Ellsworth Systems, LLC, Franklin, TNFederal Home Loan Bank of Cincinnati, Cincinnati, OHFederal Reserve Bank of Atlanta, Atlanta, GA Financial Products and Services, Inc, Nashville, TNFirst Community Mortgage, Inc, Murfreesboro, TN Floodplain Consultants, Inc, Brownsburg, IN

Harland Clarke, Franklin, TNHarland Financial Solutions, Portland, ORHigh Cotton, Birmingham, AL Holtmeyer & Monson, Memphis, TN Integra Software Systems, LLC, Franklin, TNInvestors Title Insurance Company, Chapel Hill, NCKraftCPAs PLLC, NashvilleMortgage Servcies III, LLC, Bloomington, IL Network Contract Solutions, Brentwood, TNPathway Lending, Nashville, TN Pershing Yoakley and Associates, PC, Knoxville, TN Promontory Interfinancial Network, LLC, Arlington, VA SHAZAM Network, Collierville, TN TransFund, Owasso, OKTravelers, Charlotte, NCWorks24/BankOnHold, Ridgetop, TN Zions Correspondent Banking, Salt Lake City, UT

nnuaL 122nd

MeetingA

Products and servicesdirectors’ & officers’ coverage

Financial institution bondsProperty & casualty products

Group medical & life insuranceGroup & individual disability insurance

Group dental

Financial Psi provides high-quality insurance products at an affordable price, with the

individual attention you need. our product portfolio allows you to select from a variety of coverage options to meet your specific needs.

Lobby, Palmer House Hilton

PLATInuM SPOnSORS

GOLD SPOnSORS

SILveR SPOnSORS

BROnze SPOnSORS

2012 annual meeting sponsors

Financial Products and Services, Inc, Nashville, TN – Banquet FTN Financial – General SponsorInvestors Title Insurance Company, Chapel Hill, NC – Dessert Party

Crowe Horwath, LLP, Brentwood, TN – Guest Room Key Cards Earl R. Whaley and Company, Mountain Life Insurance Company, and CenterPoint Flood Services, Alcoa, TN – Chairman’s ReceptionFederal Home Loan Bank of Cincinnati, Cincinnati, OH – Exhibit Hall Sunday RefreshmentsICBA Bancard and TCM Bank and ICBA Mortgage Solutions – Closing Banquet Reception

Alexander Thompson Arnold, PLLC, Milan, TN – Daily Schedules Crowell & Crowell, PLLC, Franklin, TN – Monday Coffee Bar First Community Bank of Bedford County, Shelbyville, TN – Concierge Service in Exhibit Hall First National Banker’s Bank/First National Banker’s Bank Capital Markets, Birmingham, AL – Pens & Grand Prize Giveaway Helms Briscoe, Atlanta, GA – General SponsorHORNE LLP, Jackson, TN – Agenda-at-a-GlanceKraftCPAs, PLLC, Nashville, TN – Banquet Table Centerpieces Mauldin & Jenkins CPA, LLC, Atlanta, GA – Banquet Wine The Plateau Group, Inc, Crossville, TN – Brochure Printing PNC Capital Markets, LLC, Pittsburgh, PA – Dessert Party Music Travelers, Charlotte, NC – Tuesday Coffee Bar

BlueCross BlueShield of Tennessee, Nashville, TN – Printed Registration ListCenterState Bank, Brentwood, TN – Bottled WatersPathway Lending, Nashville, TN – NotepadsSHAZAM Network, Collierville, TN – General Sponsor Watkins Uiberall, PLLC, Memphis, TN – General Sponsor

HELMSBRISCOE

This year’s annual meeting of the Tennessee Bankers Association will be held at The Breakers in Palm Beach, Florida. Mountian Life, Earl R. Whaley & Co. and Centerpoint Flood Services are pleased to host the Chairman’s Reception again this year on Sunday, June 5 from 6 p.m. to 7:30 p.m. at Ocean Lawn. We look forward to seeing you.

By community bankers, for community bankers.

www.mountainlife.com | P.O. Box 240, Alcoa, TN 37701 | 800-888-6542 or 865-970-2800

www.centerpointflood.com | 527 Airway Road, Alcoa, TN 37701 | 888-590-2622 or 865-970-2622

www.earlwhaley.com | P.O. Box 790, Alcoa, TN 37701 | 888-970-7500 or 865-970-7500

Complete the form on the reverse side and return with registration fee to: Tennessee Bankers AssociationAttn: Penny Powlas211 Athens Way, Ste 100, Nashville, TN 37228-1381Phone: 615/244-4871 • 800/964-5525 Fax: 615/324-1987 (Fax for credit cards only)

The Palmer House Hilton in Chicago, IL, is headquarters for the 122nd Annual Meeting of the Tennessee Bankers Association, June 10-12, 2012.

Delegates are requested to preregister as soon as possible by completing this form and returning it, along with payment of registration fees, to the TBA office. Delegates registering for the convention by May 7 will be included in the preregistration list available at the convention.

What’s Included: Convention registration includes all activities beginning with the Sunday evening, June 10, reception and concluding with the Tuesday evening, June 12, banquet and entertainment.

Hotel Reservations: The TBA has reserved a block of rooms at The Palmer House Hilton at special convention rates, plus applicable taxes. There are a limited number of rooms for Saturday night, June 9.

Hotel reservations can be made now by visiting the reservations website at http://www.hilton.com/en/hi/groups/personalized/C/CHIPHHH-TBN-20120608/index.jhtml?WT.mc_id=POG or by calling the Palmer House Hilton reservations department at 877-865-5321. Identify yourself as being with the Tennessee Bankers Association meeting. Rooms are being held at the discounted rate of $289 per night plus tax for single/double. Rates will vary according to room type. These rates are applicable, based on availability, three days before and three days after the main convention dates. The cutoff date for making reservations at the special rate is May 18, 2012. However, the TBA room block may sell out before May 18. If you plan to arrive early or stay on after the convention, please make your reservations early as space is limited.

The cancellation of guaranteed reservations must be received 24 hours prior to your scheduled arrival in order to avoid cancellation penalties.

Meeting Cancellation Policy: Annual Meeting registration cancellations received in our office by May 25 will be eligible for a refund of registration fees, minus $25 per person. No refunds can be made after May 23 because of guarantees for food and other services. Substitutions are welcome. At-the-door registrants will be assessed a $50 late fee. Please note hotel cancellation policy above.

If you have a disability that may affect your participation in this meeting, please send TBA a statement regarding any special needs at least 10 days in advance of the meeting. We will contact you to discuss accommodations.

June 10-12, 2012 • Palmer House Hilton, CHiCago, il

nnuaL 122nd

meetingA

Please type or print. List name and badge nickname for each person attending and check appropriate space if registrant is a spouse or child.Social Security number is required for delegates but will be used for tracking purposes only.

Name __________________________________________________ Nickname __________________________ Spouse ❏ Child ❏ SS# ______________________

Name __________________________________________________ Nickname __________________________ Spouse ❏ Child ❏ SS# ______________________

Name __________________________________________________ Nickname __________________________ Spouse ❏ Child ❏ SS# ______________________

Name __________________________________________________ Nickname __________________________ Spouse ❏ Child ❏ SS# ______________________

Name __________________________________________________ Nickname __________________________ Spouse ❏ Child ❏ SS# ______________________

Name __________________________________________________ Nickname __________________________ Spouse ❏ Child ❏ SS# ______________________

Company ____________________________________________________________ Contact Person _______________________________________________________

Street Address ___________________________________________________ E-Mail ____________________________________ Phone _________________________

City ______________________________________________________________________________State ___________________ ZIP ___________________________

REGISTRATION FEES: Full payment must accompany this form in order for registration to be processed.

Method of Payment: ❏ MasterCard ❏ Visa ❏ Check Ck# __________ Make checks payable to the Tennessee Bankers Association.

Credit Card # ________________________________ Exp Date ___________

Name on card (please print) _________________________________________

Signature of cardholder _____________________________________________

Card billing address ________________________________________________

City ____________________________ State _______Zip _________________

Register Online at www.TNBankers.org

Return this form with full payment to:Tennessee Bankers AssociationAttn: Penny Powlas211 Athens Way, Ste 100, Nashville, TN 37228-1381Phone: 615/244-4871 • 800/964-5525 Fax: 615/324-1987 (Fax for credit cards only)

_______ Members, Associate Members • $750 per person $ __________

_______ Member Spouses/Guests • $300 per person $ __________

_______ Nonmembers • $1,500 per person $ __________

_______ Nonmember Spouses/Guests • $600 per person $ __________

_______ Children 18 and under accompanying parents • $150 per person $ __________

_______ Total registration fee $ __________

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

June 10-12, 2012 • Palmer House Hilton, CHiCago, il

nnuaL 122nd

meetingA