Louisiana Bankers Association 116th Annual Convention

& Exposition

4:00pm-6:00pm Registration Open (Grand Ballroom Foyer)

6:00pm-8:00pm Exhibit Hall Grand Opening Reception (Grand Ballroom) Sponsored by Louisiana Bankers Service Corporation

Wednesday May 11, 2016

2016 CONVENTION AGENDA

7:00am-8:30am Exhibit Hall Breakfast (Grand Ballroom)

8:00am-8:30am General Session (Lafayette Ballroom)

Opening Remarks: Robert Taylor, Chief Executive Offi cer Louisiana Bankers Association

Offi ce of Financial Institutions Update John Ducrest, Commissioner Louisiana Offi ce of Financial Institutions 8:30am-9:00am Independent Community Bankers of America Update (Lafayette Ballroom) Pres Kennedy, ICBA Treasurer 9:00am-9:15am Exhibit Hall Break (Grand Ballroom)

9:30am-3:00pm - Guest Program: New Orleans Cultural City Tour and Lunch Transportation will depart from the Canal Street Entrance of the Ritz-Carlton at 9:30am. Price includes tour and lunch - $199/person -*Please see page 4 for more information

9:15am-10:15am General Session (Lafayette Ballroom)

Th ink Big, Act Small - Succeeding as an Entrepreneurial BankJe� RendelHow do you take a multi-billion dollar idea and make it work at a non multi-billion dollar bank? What makes a select group of right-sized, entrepreneurial companies turn value into profi t, focus on growth, and lead in their respective markets? How do they distinguish their factors for success, let others compete on price, and thrive - regardless of squeezed margins, daunting competition, regulatory cost pressure, and chaotic uncertainty. More important, how do they uphold and enrich an agile, entrepreneurial mindset that allows them to act on opportunities, execute right away, and steer clear of the competitive liability of mediocrity? In understanding and applying the well-defi ned attributes these companies and banks have refi ned, your bank can do much more than hope to keep up with your competition and survive the “Bigger is Always Better” argu-ment. Your right-sized, entrepreneurial bank can strategically and coop-eratively fi nd solutions and pursue opportunities to better your customers’ fi nancial well-being - and your bank’s growth, innovation and prosperity. When your customers win fi rst, your bank wins every time.

10:15am-10:30am Exhibit Hall Break (Grand Ballroom)

10:30am-11:30am General Session (Lafayette Ballroom)

An Economic Forecast in Uncertain TimesDr. Sean Snaith, University of Central Florida The oultook for the US economy continues to be clouded by uncertainty. Economic uncertainty, particularly economic policy uncertainty and heightened global uncertainty weighs on an economic recovery that has been subpar. How will the recovery fare in 2016 and beyond? Can the housing market sustain its recovery? How will the Federal Reserve proceed with interest rate hikes? This session will address these issues and refl ect on the policies that have and will be implemented in the years ahead.

11:30am-1:00pm Exhibit Hall Lunch (Grand Ballroom)

1:00pm-2:00pm Concurrent Sessions (Choose One)

Session One (Lafayette Ballroom) Abandoning the Mortgage Market?....Th ink Again. Tom Berdan, D+HAt a time of economic improvement and increasing consumer confi dence, some community banks are conceding the mortgage business to online lenders and other non-bank competition. This session will cover the current state of the mortgage industry, trends, impact of TILA-RESPA, and how the use of new technology can be used by community banks to improve the borrower expericence and increase loan value.

Session Two (Audubon Room - 1st Floor) Th e Latest on FASB’s CECL Model and How to Prepare Rob Ashbaugh, Sageworks

With the anticipated release of the FASB’s Current Expected Credit Loss (CECL) Model in the fi rst half of 2016, there are several steps banks can take now to better prepare their institution for the changes to the ALLL calculation. This session will cover the latest news on the CECL model, key impacts, and how to prepare. The session will review key data requirements and loss methodologies that are expected to be recommended under CECL.

2:00pm-2:15pm Break (Grand Ballroom Foyer)

2:15pm-3:15pm Concurrent Sessions (Choose One)

Session One (Lafayette Ballroom) Best Practices for Bank Boards

Peter Weinstock, Hunton & WilliamsBank directors are confronted with confl icting agendas from their various constituencies. Bank regulators expect boards to set a risk appetite and oversee risk management. In addition, regulators expect directors to ques-tion, challenge and, if need be, oppose managerial decisions that involve too much risk. Now that the economic downturn is considered to be at an end, shareholders are pushing banks for higher returns. Shareholder activ-ism has trickled down to community banks. Both regulatory authorities and shareholders are demanding more transparency and communication - not just from bank management, but from independent directors. So, how can boards meet these sometimes confl icting challenges? This presentation will discuss how the role of the board should evolve to address these risks and industry developments

Thursday May 12, 2016

2*Attire for all convention events is business casual. For the � ursday evening banquet, dress in your patriotic best or your favorite country’s attire.

Session Two (Audubon Room - 1st Floor) Banking Trends of the South Central States Zimri Hunt, Federal Home Loan Bank

This session will cover economic and market trends including housing, labor, and commodities for Louisiana and adjoining states. We will also review recent banking trends within the Federal Home Loan Bank of Dallas district with a focus on Louisiana.

6:30pm-9:30pm “Around the World” Banquet Ritz Carlton First Floor

Grab your passport for an Around the World Party! Join us for cocktails beginning at 6:30pm along with ethnic dinner buffets that highlight some of the world’s fi nest cuisines. Dress in your patriotic best, or your favorite country’s attire.

7:00am-8:30am Breakfast (Grand Ballroom)

8:00am-8:30am LBA Business Session (Lafayette Ballroom) Paul Tweedy, LBA Board Chairman Director Elections Installation of New LBA Chairman Service Award Presentations

8:30am-9:00am American Bankers Association Update (Lafayette Ballroom) Dorothy Savarese, ABA Chair-Elect 9:00am-9:15am Break (Grand Ballroom Foyer)

9:15am-10:15am General Session (Lafayette Ballroom)

Th e Innovation Question: What, How & Why Now?Lee Wetherington, Jack Henry & Associations, Inc. The public perceives fi nancial institutions as “laggards in innovation.” No wonder. As regulated, risk-averse entities, fi nancial institutions aren’t inclined to ‘fail fast and often’ as innovation requires. Moreover, many fi nancial institutions dedicate their most skilled talent to complying with regulations rather than pioneering better user experiences and service. Even innovation ain’t what it used to be. Innovation today requires more than successful execution of product strategy and delivery; it requires successful management of ecosystems of vendors, partners, and regulators. Join Lee Wetherington for a sobering look at what it takes to innovate success-fully in fi nancial services, and learn what you need to know to assess risk accurately, focus resources smartly, and increase your fi nancial institution’s probability of success in the new era.

Friday May 13, 2016

2016 CONVENTION AGENDA10:15am-10:30am Break (Grand Ballroom Foyer)

10:30am-11:30am General Session (Lafayette Ballroom)

Louisiana Banking Industry: An Overview and an OutlookDr. Joe Mason, Louisiana Bankers Association Chair of Bank-ing, E.J. Ourso School of BusinessLSU’s E. J. Ourso School of Business and the Louisiana Bankers Association (LBA) are pleased to provide to you with our fi rst joint periodic report on Louisiana bank market conditions. This annual review of Louisiana banking market conditions offers a brief analysis of developments over the past fi ve years, combining the market knowledge of the LBA with the analytical insight of faculty at the E. J. Ourso School of Business. You can look forward to additional periodic studies on vari-ous topics of interest — in addition to this regular annual review — in future years, as the LBA and LSU work to provide market intelligence to Louisiana’s banking community. We offer special thanks to Prateek Sharma and staff at the E. J. Ourso School of Business and Robert Taylor, CEO of the LBA, for assistance and feedback.

11:30am Convention Adjourns

Convention Att ireAttire for all convention events is business casual. For the Thursday evening banquet, dress in your patriotic best, or your favorite country’s attire.

Mandatory Continuing Legal Education (MCLE)The LBA has applied for 7.5 MCLE credit hours with the Louisiana Supreme Court for this program.

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Thursday May 12, 2016 (Continued)

CONVENTION TOUR

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New Orleans Cultural City Tour including Hellenic Cultural Center & Holy Trinity Greek Orthodox Church and Lunch

Th ursday, May 12, 20169:30am-3:00pm $199 per person*

*Cost includes roundtrip transportation from the Ritz-Carlton, New Orleans, refreshments and lunch *Please meet in the hotel lobby for 9:15am. Transportation will depart from the Canal Street entrance of the Ritz-Carlton at 9:30am.

New Orleans is a melting pot of ethnicities. This tour will focus on the Italian, Spanish, French, Irish, German, American and African incluences and contributions. The tour will make a stop at the Hellenic Cultural Center and the beautiful Holy Trinity Greek Orthodox Cathedral, highlighting the infl uences of Greek immigrants in New Orleans. The tour will also cover the Irish Channel Neighborhood, Treme and the Warehouse/Arts District, while covering each area’s ethnic infl uences. Lunch will feature a cooking demostration with the New Orleans School of Cooking.

* Guests are encouraged to wear comfortable clothing and shoes on this tour.

LOCATION & ACCOMMODATIONS

Th e Ritz-Carlton921 Canal Street

New Orleans, LA 70112

Group Room Block InformationThe LBA has contracted for a set number of sleeping rooms at The Ritz-Carlton, New Orleans based on the last few years’ conven-tion attendance. We will monitor the room pickup and add rooms if available. We encourage you to make your reservations early. To ensure the LBA group rate of $290+tax/night, please call 1-800-826-8987 and identify that you’re booking with the Louisiana Bankers Association Annual Convention room block. The deadline for the discounted sleeping room rate is April 18, 2016 at 5:00pm or until the block of rooms for LBA is fi lled, whichever is sooner. After April 18, 2016, reservations will be made based on avail-ability and the hotel may not be able to honor the discounted rate. Reservations can also be made online at:Deluxe King Accommodations: Click here for online reservations. Group Code is TNPTNPADeluxe Double/Double Accommodations: Click here for online reservations. Group Code is TNPTNPBClub Level King Accommodations: Click here for online reservations. Club Level Rooms are $440+tax/per night

Overfl ow Block at the Courtyard by Marriott Iberville New Orleans The LBA has set up an additional room block at the Courtyard by Marriott Iberville, New Orleans. The Couryard by Marriott Iberville is an adjoining hotel of the Ritz-Carlton, New Orleans and guests may enjoy Ritz-Carlton amenities when they stay at Courtyard by Marriott Iberville. To ensure the LBA group rate of $239+tax per night, please call 877-703-7072 and identify that you are booking with the LBA Annual Convention Room Block.

For online reservations at The Courtyard by Marriott, click here. Sleeping room reservations must be made by April 20, 2016 at 5:00pm or until the block of rooms for the LBA is fi lled, whichever is sooner.

REGISTRATIONPlease complete this form and return to Louisiana Bankers Association, 5555 Bankers Avenue, Baton Rouge, LA 70808 with your payment, or fax it to 225-343-3159. Please print or type clearly. *For additional registrants, please copy this form. Registrations can also be submitted in the Education Section of LBA’s website at www.lba.org.

Name __________________________________________

Bank/Firm______________________________________

Spouse/Guest____________________________________

Street Adress_____________________________________

City/State/Zip____________________________________

Office Phone___________________Fax _______________

Cell Phone_______________________________________

Email___________________________________________

Check (Made Payable to Louisiana Bankers Association)

Visa Mastercard

American Express

Card Number_________________________________

Expiration Date_______________________________

Name on Card (please print)______________________

____________________________________________

Signature____________________________________

Billing Address _______________________________

__________________________________________

Amount to be charged on card $________________

FEES Number Total ____ Primary Registrant, $649/ea. __________

____ Spouse/Guest, $399/ea. __________

____ New Orleans Cultural City Tour & __________

Lunch, $199/person

Name: ____________________________________

Name: ____________________________________

Total $__________

Convention Fees: $649 Banker $399 Spouse/Guest Ten or more bankers and/ordirectors from same bank: $629 Banker

$379 Spouse/Guest

Louisiana Bankers AssociationPhone 225-387-3282/Fax 225-343-3159

5555 Bankers Avenue, Baton Rouge, LA 70808

PAYMENT OPTIONS

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CANCELLATION POLICY

Due to the commitments we must make, if you must cancel your registration, please do so by May 4, 2016. Cancellations received after May 4, 2016 will not receive a refund.

NEW ORLEANS CULTURE & CITY TOUR: Please cancel by May 4, 2016 to avoid a $100 cancellation fee.

Louisiana Bankers Association116th Annual Convention & ExpositionMay 11-13, 2016The Ritz-Carlton, New Orleans