credit - sitemason, inc.mary neil price, attorney, miller & martin, pllc, nashville ... stevie...

February 5 & 6, 2009 Renaissance Nashville Hotel Nashville

C r e d i tC o n f e r e n C e

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2008-2009 CREDIT COMMITTEE

Chairman: Dan Adkisson, Senior Vice President, The Hardin County Bank, SavannahRichard Bobo, Senior Vice Pres/Chief Credit Officer, American Security Bank and Trust Company,

HendersonvilleCarl B. Campbell, Senior Vice President/Chief Credit Officer, Community First Bank & Trust, ColumbiaJoe Carter, President, Citizens Bank, LafayetteKirk Goehring, Senior Vice President, First South Bank, JacksonDavid Alan Greene, Senior Vice President, The Plateau Group, Inc, CrossvilleSteve Gregory, Executive Vice President, Volunteer State Bank, HendersonvilleDickie Heathcott, Partner, Crowe Horwath, LLP, BrentwoodCharles Hooks, Chief Credit Officer, First Federal Savings Bank, ClarksvilleThomas J. Kern, Vice President/Relationship Manager, Civic Bank & Trust, NashvilleMilton Nesbitt, Senior Credit Officer, First National Bank of Pulaski, Pulaski

William E. Newman, Senior Vice President, National Bank of Tennessee, NewportGary L. Pool, Senior Vice President, Pinnacle National Bank, NashvilleMary Neil Price, Attorney, Miller & Martin, PLLC, NashvilleBruce J. Reed, Executive Vice President/Chief Credit Officer, Commercial Bank & Trust Co, ParisJames H. Rieniets, Jr, President, InsBank, NashvilleRick Sample, City President, Home Banking Company, SavannahBrent Scott, CPA, CIA, Owner, Scott Consulting PLLC, JacksonRick Shelton, Senior Vice President, Earl R.Whaley & Company, AlcoaJohn Walker, Vice President, Franklin Financial Network/Franklin Synergy Bank, FranklinErnie Ward, Senior Vice President, Gulf Guaranty Life Insurance Company, Jackson, MSPaul S. Watson, Executive Vice President/Chief Lending Officer, Heritage Bank & Trust, ColumbiaTimothy E. Wilson, Executive Vice President, The Bank of Jackson, Jackson

Dan Adkisson


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

AGENDA-AT-A-GLANCEKey: RNH = Renaissance Nashville Hotel NCC = Nashville Convention Center

Thursday, February 58:00 am Registration/

Continental Breakfast - RNH East Ballroom Foyer

9:00 am General Session - RNH East BallroomCall to Order/Opening Remarks- Adkisson

9:15 am Banking and Bailouts: A Crisis of Credit and the New Gears of Governance - Curnutte

10:30 am Break - RNH East Ballroom Foyer

10:45 am The Economic Outlook- Conerly

Noon Lunch - RNH West/Center Ballroom

12:45-1:30 pm

Luncheon Speaker - RNH BallroomThink Like a Team- Ray

1:45-3:00 pm

Concurrent WorkshopsWorkshop I - RNH East BallroomAllowance for Loan and Lease Losses–Now Is the Time to Get It Right- Miller

Workshop II - NCC 209-210 How to Improve Your Collections- Peterson

Workshop III - RNH Music City Ballroom - Level 2 The New World of Capital- Conerly

3:00 pm Break - RNH Ballroom Foyer

3:15-4:30 pm

Repeat Workshops I and II - RNH East Ballroom and NCC 209-210

Workshop IV - Replaces Workshop III - RNH Music City Ballroom - Level 2 Avoiding Surprises in your Securities Portfolio - Heathcott/Meding/Pastina/Twersky

5:00-6:00 pm

Reception - RNH BallroomSponsored by Financial PSI, Nashville

Friday, February 67:30 am Continental Breakfast -

RNH East Ballroom Foyer

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

8:45 am State & Federal Legislative Update- Amos

9:15 am Predicting Portfolio Credit Quality- Barrickman


10:45 am Hot Topics in Banking Regulation- Moderator: Edge; Panelists from TDIF, FDIC, FRB, OTS, and OCC

11:15 am Adjourn

THANK YOU TO OUR SPONSORthursday, february 5 receptionSponsored by financial PSi, nashville FINANCIALPSIFINANCIAL PRODUCTS & SERVICES, INC

AGENDA Key: RNH = Renaissance Nashville Hotel NCC = Nashville Convention Center

Thursday, February 58:00 am Registration/Continental Breakfast - RNH East Ballroom Foyer

9:00 am General Session - RNH East Ballroom Call to Order/Opening Remarks Dan Adkisson, Credit Committee Chairman and Senior Vice President, The Hardin County Bank, Savannah

9:15 am Banking and Bailouts: A Crisis of Credit and the New Gears of Governance Steve Curnutte, President, Finworth Mortgage, an InsBank Company, Nashville, TN

In the spring of 2007, the credit bubble was wafer thin and on the verge of collapse. Although subprime loans ruptured the bubble, we know now that it was constructed of every imaginable derivative and loan under the sun. Even the most stable and conservative corners of the world economy felt shock waves. What role did our government have in the crisis? What have the massive bailout plans achieved? What problems might the bailouts create? What of the new administration’s plan to stabilize the system? And most critically, what will the new landscape of American finance and bank-ing look like? These are the defining questions of our time. To us is given the task of the asking, as well as the answering.


10:45 am The Economic OutlookWilliam B. Conerly, PhD, Conerly Consulting LLC, Lake Oswego, OR

This session will include the outlook for the national economy, with impli-cations for lenders in Tennessee. Conerly will review the major forces that will affect the 2009 and 2010 economy, including changes in the banking industry. He then will offer an “outsider’s perspective” on how the changing global and national economy will affect Tennessee.

Noon Lunch - RNH Ballroom


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12:45 Luncheon Speaker - RNH Ballroom-1:30 pm Think Like a Team Stevie Ray, Executive Director, Stevie Ray’s Improv Company, Minneapolis, MN

Remember the last time you spent an hour in a meeting and left thinking, “That was a waste of time.” Have you ever wondered why you were even put on a team? Even worse, have you ever looked up when a team member entered the group and thought, “Oh boy, there goes the meeting?” Too many hours are wasted because working groups don’t follow simple steps to keep on track and stay productive (and happy). Stevie Ray will take you through a hands-on, interactive session that will get you thinking and reacting together. You will learn the eight elements of an effective team and the most common mistakes groups make when trying to achieve a goal. Ray will share the process of idea generation and problem solving so that everyone’s unique talents can be utilized, not butted against. This is not a formulaic approach to the workplace, but a set of guidelines that every group can use in their own way to stay focused and working together. If you want to change how you look at working in groups, and actually look forward to them, come ready to take notes and bring new energy back to your team.

1:45-3:00 pm Concurrent Workshops: Workshop I - RNH East Ballroom Allowance for Loan and Lease Losses – Now Is the Time to Get It Right Scott C. Miller, Executive, Crowe Horwath, LLP, Grand Rapids. MI

Is anyone saying your allowance for loan losses is overstated now? How should your allowance analysis and computations be adjusted as a result of current economic events? Learn a basic approach that complies with both accounting (GAAP) and regulatory guidelines. See how to adjust it for changes in the local and national economy. Also, learn some of the traps, especially some of those identified with recent economic problems, that can result in unreasonable balances and how to avoid and/or address them when they occur. Illustrative impaired loan computations and overall ALLL computations and analysis will be discussed. Make sure you understand the impact that loan grading has on your ALLL.

Workshop II - NCC 209-210 How to Improve Your Collections Steve Peterson, Executive Director, Collection Training Consultants, Elizabeth, IN

Is your collection department working efficiently? Sometimes small changes can produce big results. This will be a golden opportunity to learn some new twists to the basic fundamentals of telephone collections. This program will also touch on skip-tracing, negotiating skills, fair debt laws, and a host of collection tips that will produce big results. It also will include discussion on how the Internet can help or hurt. This action packed session is not just a lecture...you will participate!

Concurrent Workshops continuedWorkshop III - RNH Music City Ballroom - Level 2

The New World of Capital William B. Conerly, PhD, Conerly Consulting LLC, Lake Oswego, OR

Before the mortgage crisis, the financial world was changing with hedge funds, private equity funds, and sovereign wealth funds playing a larger role, accentuated by globalization. Now securitization has gotten a black eye from the 2008 financial crisis. How will these changes affect banks, borrowers, and investors? This breakout session will explain the major trends in global finance, what is working now, and what types of financial instruments will thrive in the coming decade.

3:00 pm Break - RNH Ballroom Foyer

3:15-4:30 pm Repeat Workshops I and II - RNH East Ballroom and NCC 209-210 Workshop IV - Replaces Workshop III - RNH Music City Ballroom - Level 2 Avoiding Surprises in your Securities Portfolio

Moderator: Dickie Heathcott, Partner, Crowe Horwath, LLP, Brentwood, TNPanelists: Larry Meding, CFA, Senior Vice President, Sterne Agee, Mem-phis, TN; Chris Pastina, Senior Vice President, Morgan Keegan & Company, Inc, Nashville, TN; Steve B. Twersky, CPA, Senior Vice President, Manager/Portfolio Strategies Group, FTN Financial Capital Markets, Memphis, TN

This dynamic breakout session will focus on credit and market risks in your bank’s securities portfolio. As a result of turmoil in the market, many banks have been forced to recognize large losses in their portfolio. In this challeng-ing economic environment, bankers must be cognizant of what risks, both visible and invisible, may be in their securities portfolio. This session also will focus on some accounting requirements that have surprised some, including smaller community banks. What steps can you take to protect yourself from unnecessary losses, investments that require a second look, the potential of being sold a high risk investment that looks low risk, and when to hold ‘em and when to fold ‘em? Don’t be caught with your auditor or regulator telling you that you have other than temporary impairment (OTTI). There will be time for a Q & A period where investment and accounting professionals can address your individual questions. This session will only be held one time, so be sure to schedule your afternoon properly.

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

Friday, February 67:30 am Continental Breakfast - RNH East Ballroom Foyer

8:30 am General Session - RNH East Ballroom Call to Order Dan Adkisson, Credit Committee Chairman and Senior Vice President, The Hardin County Bank, Savannah

8:45 am State and Federal Legislative Update Timothy L. Amos, TBA Senior Vice President and General Counsel

9:15 am Predicting Portfolio Credit QualityJohn Barrickman, President, New Horizons Financial Group, East Point, GA

Banks traditionally have relied on historical credit performance as a good predictor of future portfolio credit quality. Yet, many banks that have had a good historical credit performance now are confronted with sig-nificant credit problems. What other indicators might have been better predictors of future credit performance?

This program will introduce tools that have proven to be much better predictors of future credit performance. Participants will have the op-portunity to assess the vulnerability of their banks to potential volatility in portfolio credit performance.

Specific topics to be addressed include: Institution’s tolerance for risk• Vulnerability to the three deadly sins of portfolio management• Identifying potential problem industries/borrowers• Trends potentially affecting portfolio credit quality


10:45 am Hot Topics in Banking RegulationModerator: Kathryn R. Edge, Partner, Miller & Martin, PLLC, Nash-ville, TN A panel of state and federal regulators will be on hand. Representa-tives from TDIF, FDIC, FRB, OTS, and OCC have been invited.

Please join top banking attorney, Katie Edge, and an esteemed panel of state and federal regulators for a hands-on discussion of recent legislative and regulatory initiatives and what bankers can expect from their examin-ers in the coming months.

11:15 am Adjourn

SPEAKER INfORMATIONTimothy L. Amos is senior vice president and general counsel of the Tennessee 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 as-sociation’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 Tennessee, 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.

John R. Barrickman, president, New Horizons Financial Group, Atlanta, GA, has extensive experience teaching and lecturing on economics, credit analysis, and commercial lend-ing and over 35 years of banking experience. He is the author of the ABA commercial loan curriculum, the lead instructor in The Southeastern School of Commercial LendingSM, and an instructor for The Southeastern School of Advanced Com-

mercial LendingSM. Barrickman is an instructor for a number of banks and professional organizations and serves on the faculty of three

of the six graduate schools of banking around the country.

William B. Conerly is the consultant who connects the dots between the economy and business decisions. He holds a PhD in economics from Duke University and was formerly senior vice president at First Interstate Bank. He is chair-man of the board of Cascade Policy Institute, a member of Oregon Governor Ted Kulongoski’s Council of Economic Advisors, and a senior fellow at the National Center for

Policy Analysis. Conerly is author of Businomics: From the Headlines to Your Bottomline—How to Profit in Any Economic Cycle, which provides business leaders with a framework for understanding current economic news. He is co-author of Thinking Economics, a multi-media high school economics curriculum used in 24 states. Conerly has been interviewed on the News Hour with Jim Lehrer, CNN, and local television and radio stations across the country. He has been quoted in the Wall Street Journal, Fortune Magazine, and USA Today.

Steve Curnutte is a mortgage practitioner who writes and speaks about the credit crisis. In the last nine years, he has started and sold two mortgage companies and originated almost a half a billion in loans. In the summer of 2007, Curnutte started a newsletter to inform high-end clients of the forces moving within the credit markets. The newsletter became an economics column which evolved into articles

and interviews in The Wall Street Journal, SmartMoney.com, MarketWatch.com, radio appearances with Bloomberg and Ra-

dio America, and television appearances with Fox News and Fox Business News. Curnutte has spoken for groups ranging from trade associations to major corporations and to business schools like Vanderbilt and Tulane. He is a weekly columnist for the magazine Fast Company.com. He also provides expert witness services in the mortgage arena. His writing and his talks are not data intensive. They favor macroeconomic observations over charts and tables. At the core is Curnutte’s ability to explain a complicated subject clearly, to distill data into observations, and to bring real-world experience to bear in offering monetary and fiscal solutions to the current crisis. Curnutte is a graduate of Wake Forest University and currently serves as the president of Finworth Mortgage, an InsBank Company. His book, Mortgage Cocktail is slated for release in the winter of 2008-09.

Kathryn R. Edge is a member of the regional law firm of Miller & Martin, PLLC. She concentrates her practice in the area of financial institutions corporate, regulatory and securities law. Over the past few years, she has focused her practice in the formation of new banks and in mergers and acquisitions. Edge is the former general counsel and former deputy commissioner of the Tennessee Department of Finan-

cial Institutions. She heads Miller & Martin’s commercial department, overseeing the practice activities of more than 50 of the

firm’s lawyers and paralegals. She is a member of the Financial Institutions Practice Group. She is a graduate of Peabody College of Vanderbilt University and holds her JD degree from the Nashville School of Law, where she is an instructor in banking law. Edge is a former president of the Tennessee Bar Association and, until recently, served as president of the Legal Aid Society


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of Middle Tennessee and the Cumberlands, where she remains a member of the board and executive committee. She is a member of the board and in-coming vice-chairman of the board of directors of the Center for Non-Profit Management and is 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 chairs the TBA’s Bank Lawyers Committee.

Dickie Heathcott has over 25 years of experience in public accounting. He is an assurance executive with Crowe Hor-wath, 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 in-stitutions 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 is also 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, Tennessee, with a BS degree in business administration and accounting.

Larry Meding joined Sterne Agee & Leach, Inc, as an institutional sales rep in November 2007. Previously, he worked on the government guaranteed lending desk with Bear Stearns, & Co, Inc, where he was responsible for the purchase, securitization, and sale of SBA 7(a) and 504 loans and securities. Meding also has experience as a depository strategist working with middle-market banks to enhance

profitability. He has spent most of his career covering financial institutions, primarily banks, as a credit analyst in a buyside, sellside, or

rating agency capacity. Before joining Bear Stearns, & Co, Inc, Meding was a senior depository strategist with RBC Capital Markets in Memphis. Prior to RBC, he was a senior vice president with Morgan Keegan & Co, Inc, in Memphis, where he was responsible for covering the financial services sector as a corporate bond analyst. Before Morgan Keegan, he was with Conseco Capital Management in Carmel, IN, where he managed a $4B+ portfolio invested in the financial services sector. In addition, Meding has worked as an analyst in the Financial Services Group of Fitch Ratings in Chicago and as a senior consultant in the corporate transactions group of KPMG Peat Marwick, LLC, where he focused on M&A and valuation assignments in

the financial services sector. Meding holds a BBA in finance from Western Michigan University and an MBA in finance from DePaul University. He also holds the Chartered Financial Analyst (CFA) designation in addition to the following professional licenses: Series 7 – General Securities Representative and Series 63 – Uniform Securities Agent State Law.

Scott C. Miller is the executive-in-charge of Crowe Hor-wath, LLP’s credit risk services practice. He has eight years of experience with Crowe Horwath, LLP, and oversees the professionals who provide credit risk consulting services to financial institutions nationwide. Prior to joining Crowe, he worked for several regional banks in various capacities, including the credit manager of a $14 billion financial insti-

tution, middle market lending, asset-based lending, and loan review. Miller’s experience includes a wide range of credit consulting,

including assisting banks with monitoring and managing credit risk, imple-menting credit risk processes, analyzing portfolio quality, due diligence for portfolio and bank acquisitions, implementing credit training programs, and assisting banks in improving their ALLL process. Miller earned his BA degree in economics and business management from Albion College.

Christopher Pastina has served the financial services industry for the past 20 years in the fixed income capital market, where he has been responsible for institutional account coverage with an emphasis in bank investment portfolios, insurance companies, and money managers. His career began in 1988 with First American National Bank in Nashville and then AmSouth Bank. He joined Morgan Keegan & Company,

Inc, in 2007, where he serves as senior vice president. Pastina received his BS degree from the University of Tampa and his MBA from

the Owen Graduate School of Management at Vanderbilt University.

Steve Peterson has over 30 years of experience in the field of collections. His career began with Ford Motor Credit Com-pany in 1977. After four years, he moved on to the position of accounts receivable manager for a large Midwestern retail chain. In 1988, Peterson joined Mapother & Mapother, Attorneys at Law, where he was the lead account represen-tative for 14 consecutive years. Bill Mapother and Peterson

developed and operated a collection school together and have trained well over 5,000 employees since 1991. In 2002, Peterson

formed his own consulting company called Collection Training Consultants. He conducts telephone collection training seminars for state leagues and as-sociations as well as individual financial institutions and businesses.

Stevie Ray has been a nationally recognized speaker and trainer for nearly 20 years. He is the executive director of Stevie Ray’s Improv Company in Minneapolis, MN, a company that has provided training and entertainment since 1989. He is a professional member of the National Speakers Association. He is also a nationally syndicated columnist for the Business Journal Newspapers and author of three books:

Spontaneity Takes Practice, What We Laugh at…and Why, and Speaking in Public without Sweating in Private.

Steve B. Twersky has worked in the financial services arena for over 25 years, with most of his career spent at FTN Financial. He has management responsibility for strategies and analytics within the Capital Markets Group of FTN Financial. He assists clients with all aspects of investment portfolio and balance sheet management. This includes evaluating the impact of various strategy options as well as-

sisting with regulatory, tax, and accounting issues. Twersky is a frequent public speaker at bank and investment forums around

the country.

Make plans to attend:

2009 Tennessee Bankers Association

Legislative ReceptionFebruary TBD • 6:00 – 8:00 pmWaller Lansden Dortch & Davis, LLP511 Union Street, 27th Floor, Nashville

Separate registration requiredRegister online at www.TNBankers.org

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

Register online at www.TNBankers.org

for more information, please contact

Susan taylor, CMP – [email protected] President/director of Professional developmenttennessee Bankers Association, 615/244-4871 or 800/964-5525, or visit our website at www.tnBankers.org.

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 21, 2009

Registration $350 $50 $675 $100


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

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.

REGISTRATION fEES

Fees include instructional materials, continental breakfast and refreshment breaks both days, and lunch and reception on Thursday. No written confir-mation of registration will be sent from the TBA.

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 is Thursday, January 15, 2009. 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 15 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.

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, reservations 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 accom-modations.

Cancellation Policy: Cancellations received in the TBA office 7 business days prior to the scheduled program will be refunded in full. Due to com-mitments 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 refund-able, 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 concern-ing 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 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 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 education department at 800/964-5525 or 615/244-4871.

Name: ___________________________________________ Nickname ____________________ E-mail _____________________________________ Spouse SS# _______________________





Contact ________________________________________________________________ E-mail _____________________________________________________________________________________

Company _______________________________________________________________ Address _____________________________________________________

City _______________________________________________________ State ________ Zip __________________ Phone _________________________ Fax ________________________________

2009 Credit Conference February 5 & 6, Renaissance Nashville Hotel, Nashville, TNPlease print or type. List name and badge nickname for each attendant. Check space if registrant is a spouse.

MUST BE INCLUDED - for delegates onlyFor educational tracking purposes only.

Please make check payable to Tennessee Bankers Association.Members / Associate Members Member / Associate Member Spouses

Nonmembers Nonmember Spouses

Early Registration $325 $50 $650 $100


Early registration deadline is January 21, 2009

Registration $350 $50 $675 $100


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

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.

Mail form and payment to: Tennessee Bankers AssociationAttn: Monique Jenkins211 Athens Way, Ste 100 • Nashville, TN 37228-1381 615/244-4871 • 800/964-5525 • Fax 615/324-1990 • www.TNBankers.org

Register online at www.TNBankers.org

TOTAL: $ ___________

Method of payment: q VISA q MasterCard q Check Ck#__________

Card # ____________________________________________________ Exp Date ____________

Name as appears on card (please print) ________________________________________________

Card billing address ________________________________________________________________

City ________________________________________ State_____ Zip _______________________

Signature ________________________________________________________________________

credit - sitemason, inc.mary neil price, attorney, miller & martin, pllc, nashville ... stevie...

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