CONFERENCE - alabamabankers.com

1 AUGUST 2-4 The Grand HotelPoint Clear, Alabamafeaturing presentations by the FDIC and the Alabama State banking Department2018 CEO, BANK EXEC& DIRECTORS CONFERENCEALABAMA BANKERS ASSOCIATIONALABAMA BANK COUNSEL CONFERENCEAUGUST 1 Sessions 10 - 4:30 Reception 4:30 - 5:30 SPEAKERSKARL ROVE SATURDAY MORNINGKarl Rove served as senior advisor to President George W. Bush from 2000 2007 and deputy chief of staff from 2004 2007. At the White House he oversaw the offices of strategic initiatives, political affairs, public liaison, and intergovernmental affairs and was deputy chief of staff for policy, coordinating the White House policy-making process. Karl has been described by respected author and columnist Michael Barone in News & World Report as.

2 Presidential appointee has ever had such a strong influence on politics and policy, and none is likely to do so again anytime soon. Washington Post columnist David Broder has called Karl a master political strategist whose game has always been long he plays it with an intensity and attention to detail that few can match. MIKE HUCKABEESATURDAY EVENING Mike Huckabee is the host of the TV show Huckabee on TBN each weekend and is a Fox News contributor, NY Times best selling author of 12 books, and a frequent speaker for corporate, civic, and non-profit groups all over the world. He was the 44th Governor of Arkansas from 1996 until 2007, becoming one of the longest serving governors in his state s history. He left a legacy of tax cuts, job creation, the reconstruction of his state s road system, K-16 education reform, and a nationally heralded and duplicated health initiative that focused on prevention.

3 His administration fought long-standing corruption in the state s political machine, resulting in numerous indictments and convictions of powerful legislators and other elected officials. In 2008 and 2016, he ran for president of the United States, finishing second in the Republican primary in 2-3 FDIC Directors CollegeRegulatory Agency Panel DiscussionRegulators from supervisory agencies will discuss hot topics regarding regulatory oversight of banks. The panel discussion will be followed by a Q&A session. FDIC Priorities and Supervision of FocusDOREEN R. EBERLEY, director of the FDIC Division of Risk Management Supervision, will travel from Washington, to speak to attendees Thursday Sessions Regulatory Accounting Update Asset/Liability Management, Liquidity, Interest Rate Risk.

4 And Capital Markets Compliance Hot Topics Information Technology and Cybersecurity Regional Supervision and Examination ProgramAUGUST 3-4 CEO & Bank Exec CONFERENCE Political ForumWinners of the Republican and Democratic party gubernatorial primary elections will join us for a forum on Friday afternoon and provide us with a first-hand account of how they plan to tackle the challenges facing our PanelsPick from three different legal panels designed to address critical issues facing the banking industry. Panelists will discuss the following subjects: M&A trends, regulatory issues and directors duties. Compensation Strategies: Millennials to Boomers [ Flynt Gallagher ]A key factor in a bank s overall success is its long- term strategy.

5 Looking beyond today and making critical compensation decisions regarding key employees will greatly influence the future of your institution. Designing compensation packages that are attractive to employees involves more than just offering competitive salaries and wages. Addressing Three Succession Issues: Management, Owner Board and Ownership Succession [ Robert Flowers ]Is your business plan lacking key issues that can help your bank remain independent? Most community bank business plans touch on SWOT analysis (strengths, weaknesses, opportunities and threats) followed by a discussion of new initiatives. Learn strategies for management and board succession, as well as ownership options to promote flexibility in your decision to remain Management & Investments[ Dale Sheller ]With the Federal Reserve in the middle of its first tightening cycle in more than a decade, banks are finally able to improve their investment portfolio yield.

6 This session will begin with a discussion of the current economic environment and the outlook for Federal Reserve monetary policy before looking at recent banking industry trends including a high-performance banking analysis. We will also examine current trends in non-maturity deposits and its potential impact to bank s cost of funds and interest rate risk. ACCOMMODATIONSE verybody loves the Grand Hotel in Point Clear especially Alabama bankers! Upon receipt of your CONFERENCE registration, ABA will provide you with a code to make hotel reservations. To make a reservation with the hotel, you must first register with ABA. Rooms are available at a rate of $249 per night plus applicable taxes. A limited number of bay view rooms will be available at a rate of $289 plus applicable taxes.

7 Reservations must be made no later than June 29, 2018. Few rooms remain, therefore we encourage you to register with the association at your earliest convenience so that you may also make your hotel reservations. Once the room block is full, the association will assist attendees with reservations either at The Grand or an alternative location. SILENT AUCTION EXPANSION!New to the CONFERENCE in 2018 is the inclusion of our popular Bankers 2 Leaders Silent Auction! Usually this event is held only during our annual convention in June. Due to the popularity of the event, we have decided to expand it and offer two opportunities to participate in the silent auction -- one at our convention and the second at our CEO, Bank Exec and Directors CONFERENCE !

8 Join us for this event on Thursday evening during the , August 1 BANK COUNSEL CONFERENCE *10 - 4:30 Session4:30 - 5:30 Reception*Optional event. Additional $295 registration , August 2 DIRECTORS COLLEGE9 - 10 | Bank Exec Forums*Directors Forums*10:15 - 11:15 Sessions*11:30 - 1 Lunch1 - 4:30 Session5 - 6:30 *These are BANKER-ONLY , August 37:15 - 8 - 11 Sessions11 - 12:30 on your ownCEO | BANK EXEC CONFERENCE12:30 - 1:30 Panels1:45 - 2:45 ForumSaturday, August 47 - 8 - 11:45 Session6 - 9 & EntertainmentGOLD SPONSORS Bradley Jones Walker Independent Community Bankers of America Maynard Cooper & Gale SynovusSILVER SPONSORS Adams and Reese Alabama Housing Finance Authority Balch & Bingham Banks Street Partners BBVA Compass Burr & Forman Carr, Riggs & Ingram CenterState Bank Deluxe Strategic Sourcing FHLBank Atlanta FIG Partners First National Bankers Bank John M.

9 Floyd & Associates Mauldin & Jenkins McGlinchey Stafford Porter Keadle Moore Porter White & Company Saltmarsh, Cleaveland & Gund Warren AverettBRONZE SPONSORS Alabama Multifamily Loan Consortium Alabama Small Business Center Development Network Baker Donelson Bryan Cave Computer Services, Inc. Confluent Strategies - Equifax Dixon Hughes Goodman FISERV IBT Jackson Thornton Lender Select Mortgage Group Pathway Lending Professional Risk Services Raymond James Reynolds, Reynolds & Little SHAZAM STS Group Stifel TransUnion/CBSi TravelersSponsors as of 5/15 SPONSORSPLATINUM SPONSORS Bryant Bank ServisFirst Bank The Baker GroupEthical Minefields E-discovery and Other Uses of Technology.

10 The use of technology is omnipresent in the practice of law particularly in the discovery process. This presentation by Judge John Carroll, Professor of Law at the Cumberland School of Law in Birmingham will focus on ethical issues related to the discovery of electronically stored information and the general use of technology in the practice of of a Transaction: Bank M&A in 2018. With increased activity in bank merger and acquisition transactions expected in 2018, Brad Neighbors with Balch & Bingham LLP in Birmingham will provide an overview of a typical bank M&A transaction and discuss the related legal considerations. The discussion will highlight many aspects of bank M&A including deal structures, director fiduciary duties, timeline, principal provisions included in legal documents, regulatory and corporate requirements, and shareholder approval , Regulatory Expectations and the Impact of Alabama s New Data Security Law.