2007 Pba Trust & Wealth

2017 PA BANKERS LENDING CONFERENCE - DAY I Nov. 16, 2017 The Hotel Hershey Meeting Booklets Sponsored by:

7:30 a.m. REGISTRATION/CONTINENTAL BREAKFAST – Garden Terrace East Sponsored by:

8:15 a.m. OPENING GENERAL SESSION – Garden Terrace East

Welcome/Opening Remarks 2017 Lending Conference Chair Marisa Flynn, Director – School of Commercial Lending Vice President, Risk Management Reliance Bank Altoona, Pa.

8:30– 9:30 a.m. GENERAL SESSION – Garden Terrace East

Cybersecurity Keith Morales Vice President & Information Security Officer Federal Reserve Bank of Philadelphia Philadelphia, Pa.

9:30– 9:45 a.m. REFRESHMENT BREAK– Garden Terrace East Lounge Co-Sponsored by: Investors Title Insurance Company, Bankers Settlement Services, Capital Region & Bankers Settlement Services of Southwest PA

1 9:45– 11 a.m. GENERAL SESSION – Garden Terrace East

Building an Enduring, Disciplined Credit Culture David Kemp President Bankers Management, Inc. Atlanta, Ga.

2 11:10 a.m. – 12:10 p.m. CONCURRENT SESSIONS

1) Enterprise Risk Management (ERM) Considerations for Community Banks – Garden Terrace West

Lou Dunham Senior Vice President – Risk Management Consulting Ardmore Banking Advisors Ardmore, Pa.

2) Digital Lending – How to Acquire and Grow Your Millennial Customers – Garden Terrace East Christian Widhalm Senior Vice President, Sales and Marketing LendKey Technologies New York, N.Y.

12:15– 1:15 p.m. LUNCHEON – Starlight Terrace Sponsored by:

PA Bankers Update Joseph W. Major, PA Bankers Chair Bank Leader, Chairman & CEO The Victory Bank Limerick, Pa.

1:20– 2:30 p.m. CONCURRENT SESSIONS

1) Pitfalls of Construction Lending – Garden Terrace East

Recent Development and Trends in Federal Enforcement Actions David Kemp President Bankers Management, Inc. Atlanta, Ga.

2) CECL – Garden Terrace West Bill Hoving, Partner Jim Oleff, CPA, Senior Manager Crowe Horwath

3 Columbus, Oh.

2:30– 2:50 p.m. REFRESHMENT BREAK - Garden Terrace East Lounge Sponsored by:

4 2:55 – 4 p.m. GENERAL SESSION – Garden Terrace East Lending Law Update Kate Deringer Sallie, Esquire Principal Pillar+Aught, LLC Harrisburg, Pa. s

4 – 4:45 p.m. ADJOURN/RECEPTION – Starlight Terrace Co -Sponsored by: Investors Title Insurance Company & PA Bankers Services Corporation

2017 PA BANKERS LENDING CONFERENCE - DAY II Nov. 17, 2017 The Hotel Hershey

7:30 a.m. REGISTRATION/BUFFET BREAKFAST - Garden Terrace East Sponsored in part by: Capital Partners Group

8 a.m. Welcome – Garden Terrace East Welcome/Opening Remarks 2017 Lending Conference Chair Marisa Flynn, Director – School of Commercial Lending Vice President, Risk Management Reliance Bank Altoona, Pa.

8:15 – 9:30 a.m. GENERAL SESSION – Garden Terrace East Regulatory Panel Moderator: Carter D. Frantz, Esquire, Partner, Bybel Rutledge LLP, Lemoyne, Pa.

Representatives from the following:

Jessica Kaemingk, Assistant Regional Director, Federal Deposit Insurance Corporation

5 Shima Martin, Northeastern District Commercial Credit Expert, Office of the Comptroller of the Currency

The Honorable Robin L. Wiessmann, Secretary of Banking and Securities, PA Department of Banking & Securities William T. Wisser, Vice President, Federal Reserve Bank of Philadelphia

Consumer Financial Protection Bureau (Invited)

9:40 – 10:40 a.m. CONCURRENT SESSIONS

1) HMDA Expansion - Garden Terrace West Leonard Bernstein, Esquire Partner Reed Smith Philadelphia, Pa.

2) Impairment Analysis: Supporting The Bank’s ALLL Calculation – Garden Terrace East David Kemp President Bankers Management, Inc. Atlanta, Ga.

10:45 – 11 a.m. REFRESHMENT BREAK – Garden Terrace East Lounge Sponsored by:

11 a.m. - 12:15 p.m. GENERAL SESSION – Garden Terrace East Credit Quality and Business Development: Can They Coexist? David Kemp President Bankers Management, Inc. Atlanta, Ga.

12:30 p.m. CLOSING REMARKS/ADJOURN 2017 Lending Conference Chair Marisa Flynn, Director – School of Commercial Lending Vice President, Risk Management Reliance Bank

6 Altoona, Pa.

10/5/2017

Conference Credits:  CLBB=11  CPE=8.5  CLE=3 substantive