G E O R G I A B A N K E R S A S S O C I A T I O N 50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501

Financial Risk Management Conference Nov. 16 - 17, 2016

Atlanta Marriott Northwest Who Should Attend: Chief Financial Officers, Controllers and accounting personnel, Investment Officers, Risk Officers

Prerequisites: There are no prerequisites for this program

Advance Preparation: No advance preparation is required for this program

Program Level: Basic to Intermediate

Delivery Method: Group - Live

Continuing Education Credit Attendants qualify for 8 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge & Applications. No advanced preparation is required for this program. In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at 404.420.2024. The Georgia Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org.

Registration Price and How to Register The per person registration price is $350 for registrations received through Nov. 2, $400 for registrations received beginning Nov. 3. You may register online at www.gabankers.com or return the form below by mail or email to GBA Registrar Angela Barber at abarber@gabankers.com. Registration fees may be paid by check (made payable to the Georgia Bankers Association) or you may request that your bank be invoiced.

Cancellation and Refund Policy No refunds will be given after Nov. 8. However, substitutions are always welcome. With questions, please contact GBA’s Kathy Friestad at 404.420.2024 or kfriestad@gabankers.com.

Hotel Information The conference will be held at the Atlanta Marriott Northwest Hotel at Galleria, 200 Interstate North Parkway, SE Atlanta 30339. GBA’s special nightly rate of $159 is in effect through Wed., Oct. 26 but remember, rooms may sell out before that date. For reservations, call Marriott reservations at 800.228.9290 or 770.952.7900. Be sure to identify yourself as part of the Georgia Bankers Association’s 2016 Financial Risk Management Conference.

Financial Risk Management Conference Registration Form

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Payment Preferences - Check appropriate registration price and payment preference.

November 16-17, 2016

Atlanta Marriott Northwest

www.gabankers.com

——- $350/pp (through Nov. 2) ——- $400/pp (beginning Nov. 3)

——- Check enclosed (payable to Georgia Bankers Association) ——- Send me an invoice

G E O R G I A B A N K E R S A S S O C I A T I O N 50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501

G E O R G I A B A N K E R S A S S O C I A T I O N 50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501

Program Agenda - Wednesday, November 16

7:45 a.m. Conference Registration and Continental Breakfast Breakfast Sponsored by Raymond James 9 a.m. Opening Remarks and GBA Update Joe Brannen, President and CEO, GBA

Welcome and Introductions

Martha Brown, Chair, GBA Asset/Liability Committee 9:30 a.m. Strategic Balance Sheet Management Panel Moderator: Dana Litman, Quantum National Bank

Panelists: Howard Benz, Raymond James Scott Brennan, Federal Home Loan Bank of Atlanta Jeff Kraus, BrandBank Rachel Woods, CFA, SunTrust Robinson Humphrey

This session will focus on the entire balance sheet and explore opportunities for banks to maximize earnings. Panelists will discuss benefits and risks of different strategies and how to position your institution to enhance current and future earnings.

10:45 a.m. Break – Sponsored by First National Bankers Bank 11 a.m. Best Practices for Deposit Modeling

Tom Bowers, CFA, ZM Financial Services A key responsibility of ALM governance is development of appropriate deposit assumption inputs to support interest rate sensitivity measurement for earnings and EVE. Bowers will present a clear path for conceptualizing and then modeling in an ALM system the rate and balance behaviors to non-maturity funding.

Noon Lunch – Sponsored by SunTrust Robinson Humphrey

1 p.m. Regulatory Exam Expectations – Bankers Share Lessons Learned Moderator: Joel Updegraff, SunTrust Robinson Humphrey

Panelists: Terry DeWitt, First Landmark Bank Todd Makant, Vinings Bank Thomas Williams, CRCM, CCBIA, United Bank

Recent regulatory examinations have brought with them increased expectations of management and the board. Bankers share their insights and lessons learned to prepare you for your next examination.

2:15 p.m. Sponsor and Exhibitor Mini-Presentations 2:30 p.m. Break – Sponsored by CenterState Bank 2:45 p.m. Regulatory Update

Jonathan Hightower, Bryan Cave, LLC Mark Kanaly, Alston & Bird, LLC

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This presentation will serve as a one-stop update about bank regulatory and legal matters facing our banks every day. Presenters will discuss trends in bank mergers and acquisitions, the changing compliance landscape and emerging bank regulatory and examination issues.

4 p.m. Break – Sponsored by Deluxe – Banker’s Dashboard 4:15 p.m. Sponsor and Exhibitor Mini-Presentations 4:30 p.m. Current Trends in the M&A Arena Kevin O’Keefe, Sandler O’Neill + Partners

O’Keefe will discuss recent trends in the mergers and acquisitions space for banks and thrifts in the Southeast as well as Georgia merger activity and a broad view of depository M&A nationwide. This session will cover topics such as the driving factors of consolidation, merger valuation issues and key structural considerations for both buyers and sellers.

5:30 p.m. Opening Reception

Sponsored by FHLBank of Atlanta

Thursday, November 17

7:45 a.m. Continental Breakfast - Sponsored by Fifth Third Securities 8:30 a.m. Economic Update Chris Low, FTN Financial

After years of slow growth, low inflation and low rates, policy makers have vowed to tackle the malaise. Low will explain where the secular slowdown came from, and how the Fed and the President elect plan to fight it.

9:45 a.m. Break – Sponsored by First National Bankers Bank 10 a.m. Technology Payment Protection - What to Know Joshua Graham, IRS – Criminal Investigations

11 a.m. Transition

11:05 a.m. Whole Loans – Buy or Sell? John Toohig, Raymond James

This session will focus on best practices when buying or selling whole loan packages. Discussion will include: How to price pools; what to ask for in due diligence; what’s commonly negotiated in purchase and sale agreements; what’s expected when servicing loans; and collateral requirements.

Noon Adjourn

2016 Financial Risk Management Conference

Letter from the Chair Dear Colleagues, The Georgia Bankers Association’s Financial Risk Management Conference is the premier in-state conference for bank CFOs and bank financial management professionals in Georgia. It is designed to help you excel in your job. The current environment is volatile with good news today, mixed news tomorrow. Questions abound. What actions do I need to take today if rates rise? Will rates rise? Will rates stay flat? How can I prepare my bank for all scenarios? Where can I pick up some additional income? What is my next opportunity? What is my next obstacle? This year’s program continues a tradition of providing timely news, expert analysis and insight, technical details and hands-on resources to answer these questions and help bankers who face daily financial risk management challenges within their banks. The 1.5-day conference will be Nov. 16-17 at the Atlanta Marriott Northwest Hotel. As in past years, we will continue to provide enhanced value to our certified professionals. GBA is working to obtain certification of the GBA Financial Risk Management Conference as a recognized provider of continuing professional education programs by NASBA (the National Association of State Boards of Accounting). The availability of CPE credits, coupled with the accounting-friendly date of the conference, make this a must attend event. So what’s not to love about a conference with a program designed specifically for financial managers, a convenient location, professional education credits and networking with your peers? Please join me and your peers for this year’s conference. As Chair of this year’s Asset/Liability Committee, I would like to thank the entire Asset/Liability Committee for their efforts in planning this excellent program. I look forward to seeing you all in Atlanta soon. Sincerely, Martha E. Brown 2016-2017 Asset/Liability Committee Chair Executive Vice President, Chief Financial Officer/Chief Operating Officer

Independence Bank of Georgia

2016-2017 GBA Asset / Liability Committee

Ms. Martha Brown, Chair Independence Bank of Georgia, Braselton Mr. Jay Torbert, Group 1 Southeastern Bank, Brunswick Mr. Steven Weber, Group 2 Ameris Bank, Moultrie Mr. Tom Redding, Group 4 United Bank, Zebulon Mr. Joseph Collins, Group 5 CenterState Bank, N.A., Atlanta Mr. Haynes Standard, Group 6 First State Bank, Wrens

Mr. Todd Makant, Group 7 Vinings Bank, Smyrna Mr. Eli Mullis, Group 8 WB&T Bankshares, Inc., Valdosta Mr. Dana Litman, Group 9 Quantum National Bank, Suwanee Mr. Ed Pope, Group 10 F & M Bank, Washington Mr. Lawrence Austin, At Large First Chatham Bank, Savannah Ms. Jennifer Burel, At Large The Brand Banking Company, Lawrenceville

Mr. John Dalton, At Large Fiserv, Inc., Alpharetta Mr. Brian Hawkins, At Large American Pride Bank, Macon Mr. Paul Kirtley, At Large KeyWorth Bank, Johns Creek Mr. Matt Reed, At Large The Citizens Bank of Taylor County Reynolds Mr. Joel Updegraff, At Large SunTrust Robinson Humphrey Memphis, TN Mr. Scott Wilson, At Large Pinnacle Bank, Elberton

Mr. Omar Esposito, Associate Member Representative Federal Home Loan Bank of Atlanta Mr. Ted Kalb, Associate Member Representative Raymond James, Atlanta Mr. Johannes Palsson, Associate Member Representative Angel Oak Consulting Group, Atlanta Mr. Curtis Whitaker, Associate Member Representative FTN Financial, Atlanta