February 11 & 12, 2010 Renaissance Nashville Hotel Nashville

C R e d i tC o N F e R e N C e

C R e d i tC o N F e R e N C e

AGENDA-AT-A-GLANCERNH = Renaissance Nashville Hotel

Thursday, February 118:00 am Registration/

Continental Breakfast - RNH East Ballroom Foyer

8:45 am General Session - RNH East BallroomCall to Order/Opening Remarks- Carter

9:00 am Inflation, Deleveraging and Recovery - Wesbury

10:30 am Break - RNH East Ballroom FoyerSponsored by Elite Financial Products, Inc, Clarksville

10:45 am Re-Inventing Yourself for the New World of Banking: Seven Bold Truths to Becoming a Market Leader - Mathis

Noon Lunch - RNH Center/West Ballrooms

12:45-1:30 pm

Luncheon Speaker - RNH Center/West BallroomsPressure Cooker Con-fidenceTM …How to De-liver Peak Performance When the Heat is On- Sweeney

1:45-3:00 pm

Concurrent WorkshopsWorkshop 1 - RNH East BallroomHow Can I Underwrite Small Business Loan Requests without Spreading Financial Statements? (The Keys to Cash Flow Revealed)- Plyler

Workshop 2 - RNH Music City Ballroom - Level 2 Dealing with Distressed Assets- Goodwin

Workshop 3 - RNH Fisk Ballroom - Level 2 Evaluating Appraisals- Schwarzlose

3:00 pm Break - RNH Ballroom Foyer

3:15-4:30 pm

Repeat Workshops 2 and 3 - RNH Music City and Fisk Ballrooms

Workshop 4 - Replaces Workshop 1 - RNH East Ballroom Preparing for Your Next Regulatory Exam: What to Expect - Price/Heathcott/Rieniets/Scott

5:00-6:00 pm

Reception - RNH West BallroomSponsored by Financial PSI, Nashville

Friday, February 127:30 am Continental Breakfast -

RNH East Ballroom Foyer

8:30 am General Session - RNH East BallroomCall to Order - Carter

8:45 am State & Federal Legislative Update- Amos

9:15 am Break - RNH East Ballroom Foyer

9:30 am Regulator Panel- Edge/ Gonzales/Hawkins/McQuary/Nichols

11:30 am Conference Adjourn

THANK YOU TO OUR SPONSORSthursday, February 11 Coffee Break – Elite Financial Products, Inc, ClarksvilleReception – Financial PSI, Nashville

2009-2010 CREDIT COMMITTEE

Chairman: Joe Carter, President, Citizens Bank, LafayetteDan Adkisson, Senior Vice President, The Hardin County Bank, SavannahMichael Ayer, Senior

Credit Policy Officer, First Farmers and Merchants Bank, ColumbiaJohn Beard, CEO/President, Citizens Bank, New TazewellC. Richard Bobo, Senior Vice President/Chief Credit Officer, American Security Bank and Trust Company, HendersonvilleCarl B. Campbell, Senior Vice President/Chief Credit Officer, Community First Bank & Trust, ColumbiaKirk Goehring, Senior Vice President, First South Bank, JacksonSteve Gregory, Executive Vice President, Volunteer State Bank, HendersonvilleDickie Heathcott, Partner, Crowe Horwath, LLP, Brentwood

Charles E. Hooks, Chief Credit Officer, First Federal Savings Bank, ClarksvilleBeverly Horner, KraftCPAs, PLLC, ColumbiaThomas J. Kern, Vice President/Relationship Manager, Civic Bank & Trust, NashvilleJohn McDearman, III, Executive Vice President, Wilson Bank & Trust, LebanonMary Neil Price, Attorney, Miller & Martin, PLLC, NashvilleJames H. Rieniets, Jr, President, InsBank, NashvilleRick Sample, City President, Home Banking Company, SavannahMike Sarvis, President & CEO, Cohutta Banking Company, ChattanoogaBrent Scott, CPA, CIA, Owner, Scott Consulting, PLLC, JacksonJohn Walker, Vice President Correspondent Banking, Franklin Synergy Bank, FranklinPaul S. Watson, Executive Vice President/Chief Lending Officer, Heritage Bank & Trust, ColumbiaTimothy E. Wilson, Executive Vice President/Senior Lending Officer, The Bank of Jackson, Jackson

Joe Carter

WHO SHOULD ATTENDThis program is designed for executive and senior management, com-mercial loan officers, and loan support personnel.

AGENDA Thursday, February 118:00 am Registration/Continental Breakfast - RNH East Ballroom Foyer

8:45 am General Session - RNH East Ballroom Call to Order/Opening Remarks Joe Carter, Credit Committee Chairman and President, Citizens Bank, Lafayette

9:00 am Inflation, Deleveraging, and Recovery Brian Wesbury, Chief Economist, First Trust Advisors, Wheaton, IL

Not in our lifetime have fears about the economy been as deep and real as they seem today. Some say the next Great Depression is upon us, while others suggest that we should expect years of subpar economic growth and higher unemployment. But these fatalistic forecasts have been heard before. Much more likely, according to internationally acclaimed economist Brian Wesbury, is that the economy and stock market will rebound strongly in 2010. Inflation is a problem for the future, but the serious threats to eco-nomic growth are receding by the day.

10:30 am Break - RNH East Ballroom Foyer Sponsored by Elite Financial Products, Inc, Clarksville

10:45 am Re-Inventing Yourself for the New World of Banking: Seven Bold Truths to Becoming a Market Leader

Jim Mathis, President, The Mathis Group, Lexington, SC

A personally challenging and value-changing presentation that will change your global outlook. The economy isn’t down; it’s different. With recent events, the realities of the banking business have changed permanently. You don’t manage change; you manage how you react to it. No matter what you sell, be it a product or financial services, the next year is probably the end of the way most of us do business. Seventy-two percent of North America’s busi-nesses will have to re-invent the way they do business in the next two years! The truth is that the business we’re in is not determined by us but rather by the need or want that is satisfied when the customer buys our products and services. To be effective at leadership and marketing, you must see yourself from the customer’s point of view. A product or service is a convergence of customer value satisfactions. Before you have a value-driven marketing approach, you must identify these values as absolute truths.

Key points:The economy is not down–it’s different; • leaders are different…The recession will NEVER end; • how to adjust your perspective…People don’t buy what you sell; • they buy what they buy…To lead in the banking industry, you have to get outside of it; • here’s why and how…If you concentrate on your competition, you will have more compe-•tition; your top customers hold the key…Teamwork doesn’t always work; • you must build community…If you fail to re-invent your business model you may be • out of busi-ness in two years; there are two models you can use…

RNH = Renaissance Nashville Hotel

How you will benefit:Discover the realities about your bank and the financial services •industry that you can’t see on your ownDevelop a market-oriented environment that brings you closer to •your consumerStart selling what people are buying rather than what you are push-•ingRespond to a mature or saturated market•Become a category of one in your community•Re-invent yourself to compete in new or overlooked markets•Convert product-driven marketing efforts into value-driven market-•ingIndisputable truths that will absolutely differentiate you in a global •marketplace

Noon Lunch - RNH Center/West Ballrooms

12:45 Pressure Cooker ConfidenceTM. . . . How to Deliver Peak -1:30 pm Performance When the Heat Is On - RNH Center/West Ballrooms Lt Colonel Kevin J. Sweeney (Ret), former US Air Force Pilot and Author, Dallas, TX

Pressure Cooker ConfidenceTM enables you to say “I can, I will, I expect, and I did it” when the pressure is on. The Colonel’s flagship presentation built around his dramatic life or death flight during a mission in Desert Storm introduces the five principles of Pressure Cooker ConfidenceTM . Learn why the hard work you do before hand matters more than the work you do when the pressure is on.

Colonel Kevin Sweeney will position you mentally in the cockpit with him to personally live through his incredible experience and challenge of having the two engines on his left wing completely come off his airplane while on a Desert Storm combat mission. You will feel the skill, resolve, and team attributes necessary to lead your team to a successful landing in such dire circumstances. You will learn how to apply these same principals to your personal and profes-sional life. You will understand the steps necessary to put you and your team in position to excel under the pressures we all face. Team performance does not just happen. Creating effective teams takes talent, time, and trust. You will learn how to become the “go to” person in your organization when the going gets tough… and trust me, it will get tough!

1:45-3:00 pm Concurrent Workshops: Workshop 1 - RNH East Ballroom How Can I Underwrite Small Business Loan Requests without Spreading Financial Statements? (The Keys to Cash Flow Revealed) William F. Plyler, II, Chief Executive Officer, Sound Consulting, Inc, Lynchburg, VA

An interactive discussion and lecture that clears up the mysteries of EBITDA (Earnings before Interest, Taxes, Depreciation, and Amortization), short-form cash flow, UCA cash flow, and depreciation in cash flow and provides the lender a better way to help, not hurt, the small business customer.

1:45-3:00 pm Concurrent Workshops continued Workshop 2 - RNH Music City Ballroom - Level 2 Dealing with Distressed Assets Tom Goodwin, Executive Vice President, DebtX, The Debt Exchange, Inc, Boston, MA

In these turbulent times, many institutions are looking to put their real estate and other loan problems behind them. This can be accomplished through a variety of means, including foreclosure, sale of REO, discounted pay-offs, and increasingly through the sale of the debt into the secondary market. From the secondary market’s nascent start in the late 1980s, it has burgeoned into a multi-billion, highly efficient market. The principals of DebtX, of which Goodwin is a co-founder, have been active in the secondary market since its inception, at Fleet Bank, and for the last 10 years at DebtX. The market has evolved from one with only a handful of participants, principally Wall Street and related entities, to a highly fragmented market place with literally thousands of buyers. Goodwin will discuss the evolution of the market, its participants, their motivations, and practices, as well as recent trends and developments. He will deliver DebtX’s current outlook for where the market is headed.

Workshop 3 - RNH Fisk Ballroom - Level 2 Evaluating Appraisals Reagan R. Schwarzlose, CRE, MAI, CCIM, Senior Vice President/Chief Appraiser, First Horizon National Corporation, Memphis, TN

Bank examiners and regulatory agencies are scrutinizing appraisal ordering and review procedures now more than ever while market conditions are exposing financial institutions to new risks that strong risk-management practices can mitigate. Appraisal ordering and review procedures can be accomplished by understanding how real estate appraisals fit into the regu-latory scheme for financial institutions, learning the latest terminology, understanding the changing regulations, and becoming more familiar with proper procedures.

Schwarzlose’s presentation will include topics such as:• When are new appraisals needed based on the decline in real estate values seen over the past 18 months or so• How have cap rates changed for different projects and how can various cap rates affect values • How to anticipate changes in values because of variances in absorption rates on development loans or office buildings and/or retail space• Use of independent reviewers on appraisals covering projects over a certain amount and what are acceptable options when there is disagreement between the appraiser and the reviewer on cap rates, absorption rates, etc• Latest terminology and changing regulations • Understanding USPAP • Differences in appraisals on development loans versus appraisals on the same property if it becomes OREO (as is)

This session is designed to provide an insight into the issues involved in preparing a real estate appraisal and the issues involved in using real estate appraisal information as part of a business decision.

3:00 pm Break - RNH Ballroom Foyer

3:15-4:30 pm Repeat Workshops 2 and 3 - RNH Music City and Fisk Ballrooms - Level 2 Workshop 4 - Replaces Workshop 1 - RNH East Ballroom Preparing for Your Next Regulatory Exam: What to Expect

Moderator: Mary Neil Price, Attorney, Miller & Martin, PLLC, Nash-ville, TN

Panelists: Dickie Heathcott, Partner, Crowe Horwath, LLP, Brentwood, TN; Jim Rieniets, Jr, President, InsBank, Nashville, TN; and Brent Scott, CPA, CIA, Owner, Scott Consulting, PLLC, Jackson, TN

Get tips and tools on how to prepare for an exam, manage the process, and deal with the consequences. Be aware of what to expect, including current trends and hot buttons, as well as what to do when everything goes wrong. Hear from a moderated panel that includes an attorney, CPA, banker, and consultant on this subject. You will take away some tools that should be helpful in preparation for your next exam.

5:00-6:00 pm Reception - RNH West Ballroom Sponsored by Financial Products and Services, Inc (Financial PSI), Nashville

Friday, February 127:30 am Continental Breakfast - RNH East Ballroom Foyer

8:30 am General Session - RNH East Ballroom Call to Order Joe Carter, Credit Committee Chairman and President, Citizens Bank, Lafayette, TN

8:45 am State and Federal Legislative Update Timothy L. Amos, Senior Vice President and General Counsel, Tennessee Bankers Association, Nashville, TN

9:15 am Break - RNH East Ballroom Foyer

9:30 am Regulator PanelModerator: Kathryn R. Edge, Partner, Miller & Martin, PLLC, Nash-ville, TN

Panelists: Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, Nashville, TN; Robert Hawkins, Assistant Vice President, Supervision and Regulation, Federal Reserve Bank of Atlanta, Atlanta, GA; Janice McQuary, Assistant Deputy Comptroller, Comptroller of the Currency, Dallas, TX; and Wayne A. Nichols, Assistant Regional Director, Federal Deposit Insurance Corporation, Memphis, TN

Please join top banking attorney, Katie Edge, and an esteemed panel of state and federal regulators for a candid discussion of reform and recovery initiatives enacted to date and what bankers can expect from Congress and the White House in coming months.

11:30 am Conference Adjourns

LUNCHEON SPEAKERKevin J. Sweeney has been a successful business executive at an elite For-tune 50 Company for more than a quarter of a century. He has been a director at an industry-leading software company. His experience in sales and operations will give you and your team unique experiences for your success. Sweeney will teach you how to compete and how to put yourself and your team in position to differentiate yourselves from the competition and win in the market place. From his leadership experiences you will learn

how to have confidence under pressure and how to demonstrate decisive and effective leadership. Sweeney’s real-life story describes a combat mission during which

the two engines on his left wing were totally ripped off in mid-air, in the darkness of night, while at maximum weight and on a combat mission. It is a compelling story illustrating how your team can overcome any obstacle facing them. He transforms the lessons his team learned into business examples for the benefit of your team. For their incredible aeronautical feat, Sweeney and his team were awarded the USAF Distinguished Flying Cross. He understands the value of being a great teammate before, during, and after the event when the heat is on. He is not just a leader of great teams; he truly understands teams and will pass those words of wisdom to your team. Sweeney is a combat veteran having flown missions in both Viet Nam and Desert Storm. He spent 23 years in the Air Force and Air National Guard attaining the rank of Lieutenant Colonel. The teams’ incredible flight, successfully recovering the severely crippled aircraft, was featured in a September 1992 Reader’s Digest article titled “Bring Them Home” and a featured segment on the A&E channel titled “Wings Over the Gulf.” The experience is also the subject of Air Force training tapes in use today.

SPEAKER INFORMATIONTimothy L. Amos is senior vice president and general counsel of the Ten-nessee Bankers Association in Nashville. He joined the TBA in 1985 as general counsel and was promoted to senior vice president in 2001. Amos is responsible for the association’s legislative programs on both the state and national levels. He provides regulatory information to TBA members and assists bank attorneys with legal questions or problems related to the financial industry. Prior to joining the TBA, Amos was an attorney for

the Tennessee General Assembly, working with both the Senate and House Commerce committees and the Senate Finance, Ways, and Means Committee. He

received his BS degree in business administration in 1974 from the University of Tennes-see, Knoxville; his JD degree from the UT College of Law in 1977; and his LLM degree in international law in 1983 from the University of Cambridge, Downing College, Cambridge, England. Amos is a member of the American, Tennessee, and Nashville Bar associations, the American Society of International Law, and Phi Delta Phi legal fraternity.

Kathryn R. Edge is a member of the regional law firm of Miller & Mar-tin, PLLC, where she concentrates her practice in the area of financial institutions corporate, regulatory, and securities law. Over the past few years, she has focused on the formation of new banks and in mergers and acquisitions, but in today’s environment, she is assisting more banks with regulatory issues. Edge is the former general counsel and former deputy commissioner of the Tennessee Department of Financial Institutions. She

heads Miller & Martin’s Commercial Department, overseeing the practice activities and professional development of more than 50 lawyers and paralegals. Edge

is a member of the Financial Institutions Practice Group. She is a graduate of Peabody College of Vanderbilt University and holds her JD from the Nashville School of Law where she is an instructor in banking law. Edge is a former president of the Tennessee Bar As-sociation and has served as president of the Legal Aid Society of Middle Tennessee and the Cumberlands. In April, 2009, she was appointed by the Tennessee Supreme Court

as a commissioner of the Access to Justice Commission through which she chairs the Education Advisory Committee. She is chairman of the board of the Center for Nonprofit Management and a member of the editorial board of the Tennessee Bar Journal. Edge is a member of the American Bar Association’s Banking Law Committee and serves on the Tennessee Bankers Association’s Government Relations Committee. She also chairs the TBA’s Bank Lawyers Committee.

Greg Gonzales was sworn in as the 18th commissioner of the Tennessee Department of Financial Institutions in January, 2007, by Governor Phil Bredesen and has served in the department since 1986. In this position, Gonzales isTennessee’s chief regulatory officer of all state-chartered deposi-tory and licensed nondepository financial institutions. The department supervises approximately 5,600 financial institutions doing business in Tennessee. Prior to being named commissioner, Gonzales was Acting

Commissioner beginning in December 2005. He previously served as as-sistant commissioner and general counsel, with responsiblity for coordinating the

provision of legal advice to the Commissioner and the department. Gonzales serves on the board of directors of the Conference of State Bank Supervisors, the professional organiza-tion of state banking commissioners, and is serving on national working groups tasked with providing guidance on regulatory restructuring issues under review by Congress. Gonzales is a member of the board of directors of the Money Transmitter Regulators Association (MTRA). He chaired the MTRA Legislative Committee, which drafted a national model legislative outline. Gonzales graduated Cum Laude in Cursu Honorum with a bachelor’s degree from Tennessee Technological University in 1980. He earned a law degree from the University of Tennessee in 1984.

Tom Goodwin is one of the founders of DebtX, the largest and most ac-tive loan sale advisor in the country, and is the senior sales person at the company. He has coordinated more than $5 billion of commercial debt trades over the past 18 years. Clients include investment banks; major insurance companies; national, regional, and community banks; pension funds; and the FDIC. Loans sold have been collateralized by properties located across the country, represented all property types and performance

levels, and ranged from large multi-asset portfolios to single loans. Goodwin works with clients to help them understand the likely market clearing price for their

assets and coordinates all aspects of the trade, from marketing the offerings, bidding, to closing the sale. DebtX has closed over $25 billion in transactions for more than 400 institutions and is working with the FDIC to handle sales from institutions the agency takes into receivership and with HUD for all of its multi-family and health care debt sales. Additionally, given the historical and current view on transaction pricing trends, DebtX prices over $1 trillion in loans each month for the Federal Home Loan Banks, Freddie Mac, and the entire securitized loan universe. DebtX now employs over 120 people focusing strictly on the secondary market for whole loans. Goodwin has been active in real estate finance for over 25 years as a loan trader, workout officer, and construction lender for major banks in Boston. He received his MBA degree from Northeastern University and BA degree from St Lawrence University. He is Series 24, 7, and 63 licensed by the NASD and has his Massachusetts real estate license.

Robert Hawkins is an assistant vice president in the supervision and regulation division with the Federal Reserve Bank of Atlanta. He shares responsibility for domestic safety and soundness, which includes oversight of the community risk team. Hawkins has over 27 years of banking and supervisory experience, including 19 years with the Atlanta Fed where he has held positions of increasing responsibility within supervision and regulation. Before joining the Atlanta Fed, Hawkins was a small busi-

ness lender for a large banking organization and a senior credit officer for an Atlanta-area community bank. He earned a BA degree in economics from

Morehouse College.

SPEAKER INFORMATION CONTINUEDDickie Heathcott has over 25 years of experience in public account-ing. He is an assurance executive with Crowe Horwath, LLP, in the firm’s Financial Institutions Group. Prior to joining Crowe, he was a founding partner with Heathcott & Mullaly, PC, which merged with Crowe, effective April, 2002. Heathcott’s experience has provided him with special accounting knowledge in various industries, but primarily financial institutions. He has served well over 100 financial institutions

in his public accounting career, including many SEC registrants. Heathcott currently serves as audit partner on approximately 30 financial institutions, including

eight that are SEC registrants. He also is concurring partner on six other public clients. Heathcott is a member of the American Institute of Certified Public Accountants and various other state societies. He is licensed to practice in Tennessee, Alabama, Kentucky, Georgia, Arkansas, and Virginia. He is a graduate of Bethel College, in McKenzie, TN, with a Bachelor of Science degree in business administration and accounting.

Jim Mathis is The Reinvention Strategist, an International Certified Speak-ing Professional, and author. He has been speaking, leading conferences, and consulting for over 28 years. Mathis helps business leaders who want to reinvent their businesses and compete in challenging economies and the new world of work. Reinventing his own business, Mathis has much to share about business marketing strategy. He is president of The Mathis Group based in Atlanta, GA, a member of the National Speakers Associa-

tion, the Global Speakers Federation, the International Coach Federation, and author of Reaching Beyond Excellence.

Janice McQuary is the assistant deputy comptroller for specialties and operations for the Office of the Comptroller of the Currency’s Southern District. In this role, she works with subject matter experts in the areas of commercial credit, retail credit, capital markets, compliance, informa-tion technology, asset management, and fraud to identify significant risks. The Southern District, headquartered in Dallas, TX, has 15 field offices spanning nine southern states. The district is responsible for supervising

more than 500 community banks, 50 technology service providers, and 120 asset management providers. McQuary joined the OCC in 1981 as an assistant

national bank examiner in the Tulsa, Oklahoma, duty station. She is a graduate of the University of North Texas.

Wayne A. Nichols is currently an assistant regional director with the Federal Deposit Insurance Corporation’s Memphis Area Office, which includes field offices in Memphis, Nashville, Knoxville, TN, and Jackson, MS. He supervises a staff of approximately 100 direct and indirect reports including case managers and field supervisors overseeing the examination of approximately 210 financial institutions and primary federal regulatory backup authority for another 110 institutions. He carries both adminis-

trative and operational responsibilities in the Memphis Area Office, with regional specialty areas of capital markets and internal control and audit functions.

Nichols began his career with the FDIC in 1975 and resigned in 1981 to work in the private sector. After eight years as a lender, department head, and president of a de novo commercial bank, he returned to the FDIC. Nichols has 27 years’ experience in the regulatory environment, working in or with six of the eight states and 10 of the 15 field offices in the region. Nichols is a graduate of The University of Central Oklahoma, with a bachelor’s degree in business administration, management. He graduated with distinc-tion from ABA’s Stonier Graduate School of Banking, and authored a leadership thesis titled “Credit File Imaging,” which was admitted to ABA’s library. Nichols has been an instructor and speaker in many classes, seminars, and meetings in groups up to 400.

William F. Plyler was born in North Carolina, where his parents were school teachers. After graduating from high school in Asheville, NC, he attended the US Merchant Marine Academy and graduated from UNC-Asheville. Plyler went to work for Wachovia Bank in 1966, and while there, developed a strong sense of sound credit and duty to borrowers. In 1993, he joined Southern National Bank and in 1995 became the chief credit officer for East Carolina Bank. By the time he retired in 2007, the

bank had grown more than 500 percent while becoming an acknowledged leader in sound credit and profitability. Education always has been the key point

of Plyler’s life, and he acquired training and certificates through AIB, UNC School of Banking at Chapel Hill, RMA, and Omega, becoming certified as an instructor in many classes. In 2006, he became credit risk certified by RMA. During his banking career, he developed a number of training classes for his employees. In 2007, Plyler established his own company and began to work with both banks and individual privately owned businesses. Sound Consulting’s Private Business Performance Review©, a comprehensive review product for small business owners, was introduced in 2009.

Mary Neil Price practices corporate and banking law with Miller & Martin, PLLC, representing a wide range of financial institutions, includ-ing regional and community banks, trust companies, and community development financial institutions. She is the former general counsel for an NYSE bank holding company and provides expertise in corporate, mergers and acquisitions, regulatory, and securities issues, including the TARP program and the Emergency Economic Stabilization Act of

2008. Price is a frequent speaker and writer on subjects related to cor-porate governance and banking. She currently chairs Miller & Martin’s Financial

Institutions Practice Group.

James Rieniets, Jr (Jim) has been with InsBank, a Nashville-based com-mercial bank, since its inception. He first served as chief lending officer and became the bank’s president in 2007 with responsibility for the day-to-day operations for the $135 million bank. Rieniets serves on the bank’s board of directors and other bank committees. He is also chief manager of the bank’s mortgage subsidiary, Finworth Mortgage, LLC. Prior to InsBank, Rieniets held several positions at National Commerce Bancorp in Memphis

including branch manager, credit analyst, commercial loan officer, business banking department manager, and division head of correspondent banking. Rieniets

has been a member of the Tennessee Bankers Association Credit Committee for three years, one of which he served as chairman. He is an advisory board member for South-east Community Capital’s Nashville Opportunity Fund. Rieniets earned his BA degree in Latin American studies at Vanderbilt University and his MBA degree with a finance concentration at the University of Memphis.

Reagan R. Schwarzlose is a real estate appraiser, consultant, coun-selor, and expert witness with over 24 years’ experience in both fee appraisal and institutional environments. He has extensive experience with investment-grade properties with expertise in the areas of market and feasibility analysis, as well as a strong background in development and implementation of risk management/regulatory compliant business plans. Currently, as senior vice president/chief appraiser for First Horizon

National Corporation/First Tennessee Bank, Schwarzlose is responsible for management of the bank’s appraisal risk management, environmental risk manage-

ment, and flood compliance areas. Primary responsibilities include the administration and supervision of all activities to ensure accurate collateral review and reporting in compliance with all federal, state, corporate, and departmental regulations and require-ments. He is responsible also for the development of policies and procedures for real estate appraisals and environmental risk, to ensure compliance with current regulations of the OCC, FDIC, and FRB. Schwarzlose provides daily consultation on real estate

SPEAKER INFORMATION CONTINUEDfinancial analysis, loan structuring, real estate market analysis, feasibility analysis, appraisal review issues, and the interpretation and enforcement of appraisal policies and procedures. He is involved in the evaluation of potential portfolio purchasing, par-ticipation agreements, and all property decisions of all bank-owned properties. Prior to joining FHNC, Schwarzlose owned his own consulting firm, assisting clients with real estate and appraisal related challenges, expert witness services, general consulting services, appraisal policy management & compliance, third-party report reviews, port-folio analysis or reviews, highest and best use studies, discounted cash flow modeling, feasibility studies, and commercial appraisals. He was hired by Michigan National Corporation (later LaSalle Bank/ ABNAMRO) under the direction of the OCC to establish an appraisal/appraisal-review function for Michigan National Bank and it’s subsidiaries. He was responsible, also, for management of the bank’s appraisal risk management, environmental risk management, and collateral review areas, as well as assisting in the development of policies and procedures for all LaSalle Bank Corporation. His professional experience includes working as a review appraiser for the Resolution Trust Corporation where he helped draft the original guidelines and implementation of FIRREA. He served as a technical authority and expert on policies, procedures, and guidelines of FIRREA and the Appraisal Foundation regarding evaluation, analysis, and appraisal of real estate assets. He is a licensed Certified General Appraiser in the states of Tennessee and Michigan.

Brent Scott is the founder of Scott Consulting, PLLC. The firm is based in Jackson, TN, and provides consulting services to financial institutions across the state of Tennessee. Services include outsourced internal audits, loan reviews, IT examinations, BSA compliance engagements, independent validation of an institution’s interest-rate risk measurement methodology, and other consulting services as requested. Scott has worked with financial institutions for over 14 years and is a Certified Public Accountant and

a Certified Internal Auditor. He is a member of the American Institute of Certified Public Accountants, the Tennessee Society of Certified Public Accountants,

the Institute of Internal Auditors, the Information Systems Audit and Control Associa-tion, and an associate member of the Tennessee Bankers Association. He is a graduate of Freed-Hardeman University in Henderson, TN.

Brian Wesbury is chief economist at First Trust Advisors LP, a financial ser-vices firm based in Wheaton, IL. The Wall Street Journal ranked Wesbury the nation’s number one US economic forecaster in 2001, and USA Today ranked him as one of the nation’s top 10 forecasters in 2004. Wesbury writes frequently for the editorial page of The Wall Street Journal and is the economics editor of “The American Spectator.” He is also a frequent guest on Fox, Bloomberg, CNBC-TV, and BNN Canada TV. Wesbury is

a member of the academic advisory council of the Federal Reserve Bank of Chicago and also an adjunct professor of economics at Wheaton College in Wheaton,

IL. He sits on the board of managers of Three-Sixty Advisory Group, a Pasadena, CA based consulting and private-equity firm. Wesbury began his career in 1982 at the Harris Bank in Chicago. Former positions include vice president and economist for the Chicago corporation and senior vice president and chief economist for Griffin, Kubik, Stephens, & Thompson. In 1995 and 1996, he served as chief economist for the Joint Economic Committee of the US Congress. Wesbury received an MBA degree from Northwestern University’s Kellogg Graduate School of Management and a BA degree in economics from the University of Montana. McGraw-Hill published his first book, The New Era of Wealth, in October, 1999. He currently is working on a new book, scheduled to be published in 2009 by John Wiley & Sons.

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.

Program Availability: Due to hotel guarantees and material production, reserva-tions received less than 7 days before the program will be subject to space and material availability.

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

Cancellation Policy: Cancellations received in the TBA office 7 business days prior to the scheduled program will be refunded in full. Due to commit-ments with hotels, cancellations received less than 7 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. If you have questions concerning the status of a TBA program due to inclement weather, please call the TBA office at 615/244-4871 or 800/964-5525, x150. The TBA number will provide information concerning program status, cancellation fee, and refund requests. You may call the site where the program is being held to check the status of the program in your area. The site phone number is listed in this brochure.

CONTINUING EDUCATION CREDITAttendants qualify for 9 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No advanced preparation or prerequisites are required for this program and program level is intermediate–to–advanced. Method of delivery–group live. For more informa-tion 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 addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN, 37219-2417. Web site: www.nasba.org

For additional continuing education credit information, call the TBA edu-cation department at 800/964-5525 or 615/244-4871.

Register online at www.TNBankers.org

For more information, please contact

Susan taylor, CMP – srtaylor@tNBankers.orgVice President/director of Professional developmenttennessee Bankers Association, 615/244-4871 or 800/964-5525, or visit our website at www.tNBankers.org.

REGISTRATION FEES

Fees include instructional materials, continental breakfast and refreshment breaks both days, and lunch and reception on Thursday.

Please register early. At-the-door registrants will be assessed a $25 late registra-tion fee.

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 sent from the TBA.

HOTEL INFORMATIONThe Renaissance Nashville Hotel, 611 Commerce Street, Nashville, is holding a block of rooms on a first-come, first-served basis at a special group rate of $169 single/double per night. The deadline for making hotel reservations at the conference rate is Friday, January 22, 2010. 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 January 22 deadline.

To make reservations, contact the hotel directly at 615/255-8400 and ask for the Tennessee Bankers Association Credit Conference block of rooms to receive the special group rate.

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 attendants at the same time.

Members / Associate Members Member / Associate Member Spouses

Nonmembers Nonmember Spouses

Early Registration $325 $50 $650 $100

Each Additional Person $300 $625

Early registration deadline is January 27, 2010

Registration $350 $50 $675 $100

Each Additional Person $325 $650

At-the-Door $375 $75 $700 $125

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Make plans to attend:

2010 tennessee Bankers Association

Legislative ReceptionWednesday, February 10, 20106:00 – 8:00 pmWaller Lansden Dortch & Davis, LLP511 Union Street, 27th FloorNashville

Separate registration requiredRegister online at www.TNBankers.org

For more information about this program, please contact:Penny Powlas • ppowlas@tnbankers.orgTennessee Bankers Association211 Athens Way, Ste 100 • Nashville, TN 37228-1381615/244-4871 or 800/964-5525or visit www.TNBankers.org.