To Register You may register for the GBA Annual Meeting online at www.gabankers.com, or by completing the enclosed registration form and returning it, by mail or e-mail, to:

50 Hurt Plaza, SE, Suite 1050 Atlanta, Georgia 30303 Phone: 404.522.1501

abarber@gabankers.com or smcgehee@gabankers.com

Annual Meeting registration cutoff is Friday, June 3. Should you need to cancel, please notify Susie McGehee in writing, by email at smcgehee@gabankers.com. Due to guarantees and other commitments, Annual Meeting registration refunds cannot be given after June 3. However, substitutions are always welcome.

Confirmation Confirmation packets will be emailed approximately four weeks before the Annual Meeting. The packet will include registration confirmation, general meeting information and spouse/guest program information.

Hotel Accommodations GBA has negotiated a discounted group rate on rooms at the JW Marriott. Rooms are available for $219 per night for single/double occupancy. The discounted group rate will be in effect for standard rooms from Friday, June 10, through Friday, June 17, based on availability. Guest room amenities include bathrobes, coffee maker, flat-screen high-definition TV and complimentary wireless internet.

To Reserve Accommodations To make a hotel reservation, please call the hotel directly at 512.474.4777 and ask for Reservations. Remember to say you’re with the “Georgia Bankers Association Annual Meeting” to receive the discounted rate.

Hotel Cut-Off Date All reservations must be received by the hotel no later than Friday, May 13. After this date, reservations will be accepted on a space and rate availability basis. Rooms may sell out before the cut-off date. All reservations must be guaranteed with a one-night room and tax deposit. Cancellations received seven (7) or fewer days before arrival will result in forfeiture of this deposit.

Getting There The JW Marriott is eight miles (20 minutes) from the Austin-Bergstrom International Airport. Delta, United and American Airlines service Austin from Atlanta and Savannah.

Car Rental Car rental services are available through Alamo, Avis, Budget, Dollar and Enterprise at the Austin-Bergstrom International Airport. Reservations may be made by visiting any of their websites.

Private Ground Transportation ExecuCar will be happy to handle your private transfers. You may contact them directly to discuss rates and services at 800.410.4444 or 512.929.3900.

Hotel Parking Valet parking at the hotel is $40 per vehicle, per day, (in/out privileges included). Self-parking is $30 per vehicle, per day (in/out privileges included).

Questions? If you have questions about the Annual Meeting, please contact GBA’s Susie McGehee at 404.420.2010 or at smcgehee@gabankers.com.

Who Should Attend the GBA Annual Meeting?

Welcome to Austin! The secret is out. Everyone who visits Austin these days leaves with something great to say. The city has a unique way of doing just about everything…all the time. From the nearly 200 live music venues – making it the “Live Music Capital of the World” – to the trendy “street eats” springing up all over town. There’s lots of things that you just have to experience for yourself to truly understand what makes Austin so Austin!

JW Marriott, Austin Our venue is upscale and unique. The JW Marriott Austin features oversized guest rooms, countless amenities and a superior location near the best entertainment and dining options Austin has to offer.

Registration Information

Bank Executive Teams Bank Directors GBA Strategic Partners

GBA Associate Members GBA Bank Counsel Section Members Your Families

Program-at-a-Glance Saturday, June 11 7 p.m. Board of Directors Dinner (By invitation)

Sunday, June 12 8 - 10 a.m. GBA Board Meeting and Breakfast

3 - 6 p.m. Annual Meeting Registration

Afternoon Optional Tours & Activities

7 - 9 p.m. Welcome Reception/Dinner

Monday, June 13 7 a.m. - 12:30 p.m. Registration and Exhibits Open

7 - 7:20 a.m. Business and Breakfast (Sponsored by GBA Insurance Trust)

7:30 - 8:30 a.m. Concurrent Breakout Sessions

8:45 a.m. - Noon General Session

9 - 11:30 a.m. Spouse Program and Continental Breakfast

Noon Annual Meeting Recess

Afternoon Optional Tours & Activities

Evening Free to Enjoy Your Own Plans

Tuesday, June 14 7 a.m. - 12:30 p.m. Registration and Exhibits Open

7 - 8:50 a.m. Concurrent Breakout Sessions

9 a.m. - Noon General Session

Noon Annual Meeting Recess

Afternoon Optional Tours & Activities

6:30 - 11 p.m. Chairman’s Farewell Reception and Dinner

2015-2016 GBA Chairman Jackson McConnell and his wife, Jenny, at the 2016 Legislative Reception

Guest Speakers

The Digital Shift Sam Maule, Head of Digital Carlisle & Gallagher Consulting Group, Inc. Jacksonville, FL The U.S. consumer payment space is under constant disruption from technology players such as Google, PayPal, Facebook, etc. And large banking coalitions and merchant solutions compete for the front of your wallet and first-in app selection. Maule will discuss the 2016 payment landscape, consumer payment trends and the key technology areas in which community banks should invest their time and capital investment strategies.

Economic Outlook: The Economy in 2016 Edmond J. Seifried, Ph. D., Co-Chairman Seifried & Brew, LLC Allentown, PA Interest rates, the stock market, a sluggish global economy and slow economic growth in the U.S. are major news headlines. Join Dr. Seifried as he tackles these issues, gives a forecast for the rest of 2016 and much more. American Banker’s 2015 Community Banker of the Year

Started From the Bottom, Now We’re Here Jill Castilla, President & CEO The Citizens Bank of Edmond Edmond, OK How did a little community bank in Edmond, OK, drastically shift from an institution on the brink of extinction to a thriving, innovative community bank in a matter of years? Hear the battle stories and successes of Citizens Bank of Edmond from President and CEO Jill Castilla. As a fourth-generation banker, Castilla has led the way on many fronts. From social media to music videos to cash mobs, Citizens has differentiated itself in the banking industry. The bank's success and her leadership earned her the nod from American Banker as its 2015 Community Banker of the Year. Learn best practices, ideas and strategies that you can take back to your own bank.

A Spy Story: Living a Lie for 31 Years James Olson, Professor The George Bush School of Government and Public Service Texas A&M University College Station, TX Imagine living a lie for 31 years. That’s what James Olson and his wife Meredith did as CIA spies. Spying for his country was the furthest thing from his mind when Olson, a farm boy from Iowa, received a mysterious phone call that changed his life. In his presentation, Olson takes you inside the real world of being a CIA spy. He describes the rigorous training and the dilemmas they face in the field daily. Olson explains how the global war on terror affects everyone and how the intelligence community is essential for protecting the country and its vital interests.

Breakout Sessions Branches of the Future in the SEC (Not NYC!) Chris McClung, President/Partner Sharon Morris, Executive Vice President Eclipse Brand Builders, Suwannee, GA

Our experts will cover ways to maintain your bank’s culture and implement branch technology, the do’s and don’ts of branch transformations and why size matters.

Commercial Real Estate Lending Pitfalls and Opportunities Ed Kofman, Managing Director CenterState Bank, NA, Walnut Creek, CA

Risk and profitability issues will be analyzed and discussed in a practical context using live examples and incorporating loan level hedging strategies.

Community Bank Performance and Value Trends Curtis Carpenter, Principal and Head of Investment Banking Sheshunoff & Company Investment Banking, Austin, TX

Carpenter will provide a data-rich review of topics that will include performance trends of regional banks compared to community banks.

Cyber Risk: the New Business Risk Tom Hinkel, Vice President of Compliance Services Safe Systems, Inc., Alpharetta, GA

Cyber risk is now the newest business risk. Can your bank survive a cyber attack?

More Great Sessions to Come We’re working with members to develop several more high-impact sessions we’ll add to the agenda. Please check the GBA Bulletin and the Annual Meeting page on www.gabankers.com for updates on these new sessions.

Annual Meeting Highlights

Welcome Reception and Dinner, Sunday night, 7 – 9 p.m. Dust off your cowboy boots and break out your blue jeans for a fun taste of Austin’s “weirdness.” You’ll sample some of Austin’s food truck delicacies, tap your feet with line dancing, and you may even come face to face with a burro! The attire is casual. Blue jeans are encouraged. Please note this event is for registered attendees, spouses and children.

Chairman’s Farewell Reception and Dinner, Tuesday night, 6:30 p.m. – 11 p.m. The Chairman’s Farewell Reception and Dinner is one of the most enjoyable events of the Annual Meeting. Begin your last evening with friends over cocktails and a fabulous dinner. Then join comedian, motivational speaker, actor and author Lisa Mills for an evening of good ol’ Southern humor. Born and raised in Georgia, she’s convinced there are more things that unite us than separate us. Cocktail attire is suggested.

Optional Tours and Activities We have some great tours and activities available to Annual Meeting registrants and registered spouses/guests for an additional price. The tours and activities include all costs, equipment (where applicable) and transportation. Each tour and activity is based on a minimum number of participants. If the minimum is not met, the tour/activity may be cancelled. We will contact you before the tour if this is the case. Space is limited, so don’t delay in reserving your spot. For a detailed list of the activities please see the enclosed sheet and registration form. Forms should be submitted to GBA no later than Monday, May 23.