independentBANKERSDIVISION CONVENTION

Ocotober 26 & 27, 2010Hilton Nashville Downtown, Nashville

Independent Bankers Division Convention AgendaTuesday, OcTOber 2611:30 am Golf Tournament - Boxed lunch – Hermitage Golf Course – Old Hickory, TN

12:30 pm Golf Tournament - Shotgun Start – Hermitage Golf Course – Old Hickory, TNCosponsored by: Financial Data Technology Corporation (Fi-DATA), Franklin, TN; The Correspondent Group, A Division of PSBOC, Nolensville, TN; and The Plateau Group, Inc, Crossville, TN

5:30 pm Registration – Mezzanine Foyer

6:30 - 8:00 pm Reception – Crockett Ballroom Sponsored by Financial Products and Services, Inc, Nashville, TN

Wednesday, OcTOber 277:30 am Registration/Continental Breakfast – Ballroom Foyer Food at continental breakfast sponsored by Churchill Mortgage Corporation, Brentwood, TN Coffee bar at continental breakfast sponsored by Southeastern Commercial Finance, LLC, Memphis, TN

7:45 am Board Meeting/Continental Breakfast – Robertson Room Independent Bankers Division officers and directors convene for a continental breakfast & board meeting.

8:30 am Call to Order – Crockett Ballroom Gordon Majors, President, Independent Bankers Division, and President/CEO, The Hardin County Bank, Savannah, TN

TBA Chairman’s Opening Remarks C. Craig Fitzhugh, Chairman, Tennessee Bankers Association, and Chairman/CEO, Bank of Ripley, Ripley, TN

8:45 am ICBA Update James D. MacPhee, Chairman, Independent Community Bankers of America, and CEO, Kalamazoo County State Bank, Schoolcraft, MI This update will evaluate both current and upcoming issues affecting community bankers.

9:15 am Tennessee Economic Outlook Craig Dismuke, Senior Vice President and Chief Economic Strategist, Vining Sparks IBG, LP, Memphis, TN This presentation will highlight the macroeconomic challenges prevalent today in the US economy, as well as some of the

specific trends seen in Tennessee. Dismuke will discuss the likelihood of a change in the Federal Reserve’s monetary policy and what needs to materialize before that can occur. Finally, the economic trends will be tied back to their relevance for bankers today.

10:00 am Coffee Break Sponsored by KraftCPAs, PLLC, Nashville, TN

10:15 am President’s Report Gordon Majors, President, Independent Bankers Division, and President/CEO, The Hardin County Bank, Savannah, TN

Election of Division Officers and Directors

10:30 am Tennessee Housing Market Update Edsel Charles, Founder and Chairman of the Board, MarketGraphics Research Group, Inc, Franklin, TN

Charles will provide an overview of residential construction across the state, as well as a housing forecast for 2011-2014. He also will assess the impact of the recession on appraisals and the effect (or lack thereof) of the federal government’s economic stimulus package.

11:30 am Convention Adjourns

Convention SpeakersEdsel Charles is the founder and chairman of the board for Mar-ketGraphics Research Group, Inc, a new-home market research company. After building over $100,000,000 new single-family homes during the late 70s and 80s, Charles started Mar-

ketGraphics in 1988. The company has grown to be one of the largest new-home research companies of its type in the United States. MarketGraphics clients include builders, developers, banks, utility companies, realtors, appraisers, and city governments.

Research services are provided throughout the South-east, as well as in Kansas, Florida, Iowa, Missouri, Ari-zona, Indiana, Nebraska, Minnesota, and New Mexico. Additionally, MarketGraphics has conducted research in Atlanta, Austin, Cincinnati, Columbus, Dayton, and Palm Springs.

MarketGraphics currently gathers housing, em-ployment, and economic data in 21 states with audits encompassing approximately 13.5 percent of all the housing starts in the nation, 24,000 subdivisions, and 2,500,000 homes and lots.

In addition to being a consultant to six of the top ten builders in the United States, Charles has received a na-tional marketing award from Professional Builder Maga-zine, the Gold National Award for Marketing for the Parade of Homes, the Builder of the Year Award, as well as top development awards. He is the past president of the Middle Tennessee Home Builders Association and a 22-year member of the National Association of Home Builders board of directors, currently as a senior life na-tional director. Also, Charles is a past national trust-ee for the Elite Sales & Marketing Council of NAHB (called the Institute of Residential Marketing).

Charles speaks for different Home Builders Associa-tions across the United States, as well as the National Association of Home Builders Conference, the TMA Mid-America Regional Conference, city/state leadership and planning organizations, the Economics Department for Middle Tennessee State University, and other organi-zations. Additionally, he has served as an expert witness for the City of Nashville, TN, and other court cases.

Besides a three-year national trustee for the National Sales and Marketing Council (NSMC), he is a member of the Institute of Residential Marketing (MIRM), the Graduate Realtor Institute (GRI), and has his State of Tennessee real estate broker’s license.

Craig Dismuke is a senior vice president and chief economic strate-gist for Vining Sparks IBG, LP. Ad-vising portfolio managers ranging from some of the largest foreign banks to some of the smallest domestic com-munity banks, he evaluates economic

developments and fixed-income sector performance to identify risks and opportunities within the US market. Dismuke puublishes research articles for Vining Sparks as well as other national publications. He is also a fre-quent speaker at investment and industry conferences on the health of and expectations for the US economy. Prior to joining ICBA Securities, he was a managing di-rector in institutional fixed income at Bear Stearns and Company.

James D. MacPhee is chair-man of the Independent Community Bankers of America (ICBA) and chief executive officer of Kalamazoo County State Bank in Schoolcraft, MI. He has served as ICBA chairman-elect and vice chairman. He is a member of the

ICBA Executive Committee and chairman of the Strate-gic Planning Committee, and he serves on the Nominat-ing and Policy Development committees. He has served on most ICBA standing committees, including serving as the chairman of Congressional Affairs and Member-ship/Marketing committees, vice chairman of ICBPAC, as director-at-large on the Executive Committee, and he represented the state of Michigan on the ICBA board of directors.

MacPhee is a past president and currently serves as a director for the Michigan Association of Community Bankers, a position he has held for more than 25 years. He also is chairman of the board of the Michigan As-sociation of Community Bankers Service Company. He has had an active career in community banking as CEO for nearly 19 of the 38 years he has been with Kalama-zoo County State Bank. He is a member of the board of directors of First State Bank in Decatur, MI, and a member of the board of the Federal Home Loan Bank of Indianapolis.

MacPhee has an executive MBA in banking from the University of Michigan Graduate School of Business. He is also a US Army veteran, having served from 1966 to 1968.

TBA Members / Associate Members MemberSpouses Nonmembers Nonmember

Spouses

Early Registration $195 $50 $390 $100

Early registration deadline is October 12

Registration $220 $50 $415 $100

At-the-door $245 $75 $440 $125

Golf tournament is $80 per person – separate registration required

independentBANKERSDIVISION CONVENTION

Independent Bankers Division Board of Directors

President Gordon Majors, President/CEO, The Hardin County Bank, SavannahPresident-electThomas E. Bates, Jr, Executive Vice President, Legends Bank, Clarksville

First Vice PresidentJeffrey L. Cunningham, President/CEO, Athens Federal Community Bank, Athens Second Vice PresidentR. Todd Vanderpool, CEO, BankTennessee, Collierville Secretary/TreasurerJim Penland, Chairman/CEO, First Vision Bank of Tennessee, Tullahoma

DirectorsChris White, President/CEO, Peoples Bank of East Tennessee, Madisonville Mark Hines, President/CEO, Heritage Bank & Trust, Columbia Tony Gregory, Chief Banking Officer, First State Bank, Union City R.B. Summitt, President/CEO, Sevier County Bank, Sevierville Dan Dellinger, Executive Vice President/CFO/COO, Reliant Bank, Brentwood Hunt Campbell, President/CEO, First Alliance Bank, Cordova W. Logan Hickman, Jr, Executive Vice President, Peoples Bank of the South, LaFolletteTom Vance, President, The First National Bank of McMinnville, McMinnville Michael W. Hagan, President/CEO, Reelfoot Bank, Union City

Past Presidents - Ex-Officio DirectorsR. Molitor Ford, Jr, Vice Chairman/CEO, Commercial Bank & Trust Co, MemphisDebbie Small, President/CEO, Community Bank & Trust, Ashland CityAnderson L. Smith, President/CEO, Jefferson Federal Bank, Morristown

Hotel InformationThe Hilton Nashville Downtown, 121 Fourth Avenue South, is head-quarters for the convention. Conveniently located in the heart of the en-tertainment district, it is adjacent to the Bridgestone Arena, the Nashville Convention Center, and the Country Music Hall of Fame and Museum. The Hilton is holding a block of rooms on a first-come, first-served basis at a special group rate of $179 single/double occupancy.

The deadline for making reservations is Monday, October 6, 2010. When the allotted room block is sold out, room rates return to stan-dard prices on a space-available basis, even if it is before the October 6 deadline. After October 6, the block will be released to the general public, and rates return to standard prices on a space-available basis.

To make reservations, contact the hotel locally at 615/620-2150 and ask for the Tennessee Bankers Association Independent Bankers Division Convention block of rooms for this special group rate. Hotel check-in is 3:00 pm.

Parking is available in the garage adjacent to the hotel. Current parking rates apply. Valet parking is also available.

Convention Fees

Fee covers the reception on Tuesday evening, handout materials, and continental breakfast and refreshment breaks on Wednesday. Please register early. At-the-door registrants will be assessed an additional $25 late registration fee.

No written confirmation of seminar registration will be sent from the TBA.

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

Continuing Education CreditAttendants qualify for 3 hours of Continuing Professional Education (CPE) credit in the area of Business Management and Organization. No prerequisites are required for this program.

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

To obtain continuing education credit applications or more information, call the TBA education department at 800/964-5525 or 615/244-4871.

Delivery methodGroup-live

Program level Intermediate

Prerequisites & PreparationNo prerequisites or advance preparation are required.

Tuesday, October 26NEW! Play your own ball or participate in a scramble

Cosponsored by:The Correspondent Group, a division of PSBOC, Nolensville, TNFinancial Data Technology Corporation (Fi-DATA), Franklin, TNThe Plateau Group, Inc, Crossville, TNSponsors will provide lunch, beverage cart, and prizes

Time:11:30 am boxed lunch; 12:30 pm shotgun start

Where:Hermitage Golf Course3939 Old Hickory Boulevard, Old Hickory, TNSoft spikes required

Prizes:1st & 2nd place individuals1st & 2nd place teamsClosest to the pin on all par 3s

Registration Information:$80 registration fee per person

Registration deadline— Friday, October 15, 2010

Only delegates and spouses/guests registered for the Independent Bankers Division Convention are eligible to participate in the golf tournament.

Play your own ball or participate in a scramble - Please indicate your preference by checking the appropriate box on the registration form

Send registration and payment directly to The Plateau Group, Inc, as indicated on the registration form. Make checks for the golf tournament payable to The Plateau Group, Inc.

Directions to Hermitage Golf Course:Hermitage Golf Course is conveniently located 20 minutes northeast of downtown Nashville and 10 minutes from Nashville International Airport. Take I-40 east from downtown to Exit 221A. The course is 5 miles on the left.

NOTE: Please mail the golf tournament registration form and payment separately from the Independent Bankers Division Convention registration form.

2010 INDEPENDENT BANKERS DIVISION

GOLF TOURNAMENT

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.

Special Needs: If you have a disability that may affect your participa-tion 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 busi-ness days prior to the scheduled program will be refunded in full. Due to commitments 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 in-formation 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. The site phone number is listed in this brochure.

Special Thanks to Our SponsorsChurchill Mortgage Corporation, Brentwood, TN The Correspondent Group, a Division of PSBOC, Nolensville, TNFinancial Data Technology Corporation (Fi-DATA), Franklin, TNFinancial Products and Services, Inc (Financial PSI), Nashville, TNKraftCPAs, PLLC, Nashville, TNThe Plateau Group, Inc, Crossville, TNSoutheastern Commercial Finance, LLC, Memphis, TN

For more information about this program, contact: Susan R Taylor, CMP - srtaylor@TNBankers.orgVice President, Director of Professional DevelopmentTennessee Bankers Association211 Athens Way, Ste 100 • Nashville, TN 37228-1381800/964-5525 or 615/244-4871 or www.TNBankers.org.

Golf Tournament Entry Form Copy THIS form for addITIonal regISTranTS

Method of play (please choose one): ❏ Scramble ❏ Own Ball

Name: ____________________________________ Golf Handicap ______________________Company ____________________________________

Address ________________________________________ City __________________________State _______Zip ___________ Phone ___________

Please make checks payable to The Plateau GroupAmount enclosed $__________

Players cannot be registered without handicap.

RetuRn coMpleted foRM & payMent to:Tennessee Bankers AssociationATTN: Monique Jenkins211 Athens Way, Ste 100Nashville, TN 37228-1381Phone: 615/244-4871 or 800/964-5525 Fax: 615/324-1990

TOTAL $ _____________________

Method of payment: ❏ VISA ❏ MasterCard ❏ Check CK# ____________________________________________

Card # _____________________________________ Exp Date _________

Name as appears on card (please print) ______________________________________________________________________

Card billing address _____________________________________________________________________________________________

City ___________________________________ State_______ Zip ____________________ Phone _____________________________

Signature of cardholder _________________________________________________________________________________

Make checks payable to Tennessee Bankers Association

Please print or type. List name and badge nickname for each attendant. Check space if registrant is a spouse.

Name: ___________________________________ Nickname __________________Spouse E-mail _________________________________ SS# ________________________

Name: ___________________________________ Nickname __________________Spouse E-mail _________________________________ SS# ________________________

Name: ___________________________________ Nickname __________________Spouse E-mail _________________________________ SS# ________________________

Name: ___________________________________ Nickname __________________Spouse E-mail _________________________________ SS# ________________________

Name: ___________________________________ Nickname __________________Spouse E-mail _________________________________ SS# ________________________

Name: ___________________________________ Nickname __________________Spouse E-mail _________________________________ SS# ________________________

Company ____________________________________________Contact __________________________________ E-mail ________________________________________________

Address ___________________________________________________ City ________________________________State _________ Zip ______________ Phone ________________

Must Be Included for DelegatesFor educational tracking purposes only.

2010 Independent Bankers Division ConventionOctober 26 & 27 • Hilton Nashville Downtown, Nashville

TBA Members / Associate Members MemberSpouses Nonmembers Nonmember

Spouses

Early Registration $195 $50 $390 $100

Early registration deadline is October 12

Registration $220 $50 $415 $100

At-the-door $245 $75 $440 $125

Golf Tournament is $80 per person – separate registration required

Mail this form and payment directly to:the plateau Groupc/o Retha Robertspo Box 7001, crossville, tn 38557-7001

We cannot guarantee makeup of foursomes.

Preferred playing partners:

1. Name: ____________________________________ Handicap: _______________

2. Name: ____________________________________ Handicap: _______________

3. Name: ____________________________________ Handicap: _______________

NOTE: To participate in the 2010 Golf Tournament on October 26, please mail the form below along with your payment directly to The Plateau Group.

To register online go to www.TNBankers.org

Registration deadline is friday, october 15, 2010Only delegates and spouses/guests registered for the Independent Bankers Division Convention are eligible to participate in the golf tournament.