Trust Committee Chairman: Kim Boone, Senior Personal Trust Officer, First Farmers and Merchants Bank, Columbia Chairman-elect: Chris Kelly, Senior Vice President/Trust Advisor, Pinnacle Bank, Murfreesboro Vice Chairman: Brandon Brewer, Vice President/Trust Officer, Boone First Citizens National Bank, Dyersburg Immediate Past Chairman: Al Secor, Executive Vice President, CapitalMark Bank & Trust, Chattanooga 2013 Trust East Mike Bevins, Executive Vice President, Citizens National Bank, Athens David Long, Vice President/Trust Officer, First Tennessee Bank, NA, Knoxville Middle & Wealth Joseph Presley, President/CEO, Cumberland Trust and Investment Company, Nashville Charlotte Csabi, Senior Vice President/Trust Officer, Pinnacle Bank, Murfreesboro Keith Keisling, Vice President, Equitable Trust Company, Nashville management Derrick A. Jones, Wealth Management Services Managing Director, Truxton Trust, Nashville Rob Lineberger, Senior Fiduciary Officer, Diversified Trust, Nashville West conference Joyce Crocker, Senior Vice President/Trust Officer, Carroll Bank and Trust, Huntingdon Harold Fletcher, Attorney, Memphis Emily Walker, Trust Officer, Commercial Bank & Trust Co, Paris October 24 & 25, 2013 Frank Davis, Senior Vice President/Trust Manager, First Tennessee Bank, NA, TBA Barrett Training Center Memphis Nashville, Tennessee Thank You to Our Sponsors Broadridge Financial Solutions, Inc, New York, NY Crews and Associates, Inc, Little Rock, AR Federated Investors, Inc, Pittsburgh, PA Hartford Funds, Radnor, PA Infovisa, Canton, GA MainStreet Advisors, Chicago, IL Proxytrust, Islandia, NY T. Rowe Price, Baltimore, MD

MS A Conference Agenda F riday, October 25 7:30 am Breakfast Thursday, October 24 8:30 am Trust Tennessee – Department of Financial Institutions Economic Initiatives Noon Registration Greg Gonzales, Commissioner, Tennessee Department of Financial Refreshments sponsored by Broadridge Financial Solutions, Inc, Institutions, Nashville, TN New York, NY The Department of Financial Institutions has been involved recently 1:00 pm Federal Legislation/Regulation in promoting the development of the trust business in Tennessee Timothy E. Keehan, Vice President and Senior Counsel, through a number of initiatives including a Trust Tennessee website Center for Securities, Trust, and Investments, American Bankers and the creation of a private trust company/public trust company Association, Washington, DC partnership. Commissioner Gonzales will highlight the role of Congress and banking regulators continue a steady stream of pro- the department and its vision for economic development benefits posals or initiatives that affect the trust and wealth management through the trust area. business. Keehan will track and comment on these legislative and 9:00 am Behavioral Finance: Good Behavior in Bad Markets regulatory issues.This segment will provide an overview of the most Ryan Layton, CFA, Portfolio Manager, MainStreet Advisors, Chicago, IL significant developments in this area and insight for both advocacy and compliance. Layton will explore the field of behavioral finance, how our brains work, and the ways we make decisions. We will discuss some of the 2:00 pm Recent Tennessee Legislation and Other Interesting Items frequent behavioral pitfalls investors make and the effect they can have Albert W. Secor, Executive Vice President and Counsel, CapitalMark on investments. Most capital market theories are based on fundamental Bank & Trust, Chattanooga and economic factors, ignoring the impact of perceptions of the human Over the last two years, Secor has developed a survey of legislation participants. Our hope is that, by being cognizant of our common and court decisions that affect the trust and wealth management mistakes, we can avoid falling prey to them. practice. The survey includes both tax and nontax court decisions Through an analysis of the common behavioral biases to which investors and legislative changes. are vulnerable, Layton will evaluate the impact these behavioral mistakes 3:00 pm Break can have on portfolios and help participants understand the importance Sponsored by Infovisa, Canton, GA of learning to prevent emotions from guiding portfolio decisions. 3:15 pm Tennessee’s [Non] Uniform Trust Code 10:00 am Break Harold (Gus) Fletcher, Special Counsel, Apperson Crump, PLC, Sponsored by MainStreet Advisors, Chicago, IL Memphis, TN 10:15 am Election of Trust Committee Officers Bryan Howard, Partner, Howard & Mobley, PLLC, Nashville, TN 10:20 am Portability – At Best a Safety Net Harold (Gus) Fletcher, Special Counsel, Apperson Crump, PLC, Public Chapter 390 of the Acts of 2013 is the most significant Memphis, TN change of Tennessee’s now “Non” Uniform Trust Code since its original adoption in 2004. Fletcher and Howard were principals Fletcher will discuss the effects of the permanent “portability” provi- in the drafting of the legislation and in developing the revised sions contained in the American Taxpayer Relief Act of 2012 (ATRA). commentary for publication in the Tennessee Code. This session Portability provides a helpful safety net for married couples who have will highlight both the legislative changes and their practical appli- not created a comprehensive estate plan. However, portability is not a cation for the creation and administration of trusts in Tennessee. panacea and is not a substitute for thoughtful, affirmative planning. This is particularly true in Tennessee, at least until the inheritance tax 5:30 pm Reception ends on December 31, 2015. Sponsored by Crews and Associates, Inc, Little Rock, AR 10:50 am Technology, IP, and Other Intangible Assets: 6:30 pm Dinner & Nashville New Considerations in Estate Planning Sponsored by Federated Investors, Inc, Pittsburgh, PA Glenn Perdue, Managing Member, Kraft Analytics LLC, Nashville Advances in technology have raised significant new issues for estate planners and trust administrators, including the accessibility to and valuation of newer electronic media, as well as online and intangible assets. Perdue will highlight the importance of addressing these issues when planning and administering an estate. Hotel Information 11:35 am Economic Update The Springhill Suites, 250 Athens Way, Nashville, is holding a block of rooms on a Linda A. Duessel, CFA, Senior Vice President, Senior Equity Strat- first-come, first-served basis at a special group rate of $116 single/double per night. egist, and Senior Client Portfolio Manager, Federated Investors, Inc, October 3, 2013, is the deadline for making hotel reservations at the conference Pittsburgh, PA rate. When the allotted room block is sold, room rates will return to standard prices on a space-available basis, even if it is before the October 3 deadline, so be sure to The slow recovery and Federal Reserve economic policy moves continue reserve your accommodations early. to have a significant impact on trust planning and estate administra- tion. Duessel will provide an outlook for the economy. To make reservations, contact the hotel at 800/971-4761 and ask for the Tennessee Bankers Association 12:45 pm Conference Adjourns block of rooms to receive the special group rate. Reservations can also be made at the Millennium Maxwell House Hotel, 2025 Rosa L. Parks Boulevard, by calling 800/457-4460. Let reservations personnel know that Continuing Education Credit you are with the Tennessee Bankers Association to receive the special rate of $99 for CLE Attendants qualify for 7.75 hours of general Continuing Legal Education (CLE) credit. a standard room (plus tax), as long as standard rooms are available. CFP TBD Attendants qualify for 9 hours of Continuing Professional Education (CPE) Conference Fees credit in the area of Specialized Knowledge and Application. No prerequisites TBA Members / Associate Members Member Spouses Nonmembers Nonmember Spouses are required for this program. For more information regarding administrative Early Registration $285 $85 $570 $170 policies or complaints, please contact our offices at 615/244-4871. Early registration deadline is October 10. 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 accoun- Registration $315 $115 $600 $200 tancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org. Day-of-Program $365 $165 $650 $250 This program has not been pre-approved for ICB CE credits. Attendants Fee includes instruction; instructional materials; reception, dinner, and entertainment who require ICB credits should go to http://www.aba.com/icb/membercereview on Thursday evening; breakfast on Friday; and refreshment breaks on both days. for further instructions. No written confirmation of seminar registration will be sent from the TBA. To obtain continuing education credit applications or more information, call the Participation in TBA programs is limited to members, associate members, and nonmem- TBA education department at 800/964-5525 or 615/244-4871. bers from an eligible membership category at applicable member or nonmember rates. General Information Attire: Business casual attire is appropriate for all TBA programs. Because of tempera- ture variations in meeting rooms, please bring a sweater or jacket for your comfort. For more information contact: Special Needs: If you have a special need that may affect your participation in this Penny Powlas – [email protected] program, please send TBA a statement regarding these at least 10 days before the Executive Assistant, Administration / Legal program. We will contact you to discuss accommodations. Tennessee Bankers Association 800/964-5525 or 615/244-4871 • Fax: 615/324-1987 Cancellation Policy: Cancellations received in the TBA office 5 business days www.TNBankers.org prior to the scheduled program will be refunded in full. Due to commitments, cancellations received less than 5 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 $75 for a two-day program. Please call the TBA office at 615/244-4871 or 800/964-5525 x 150 concerning the status of a program due to inclement weather. This will provide information concerning program status, cancel- lation fee, and refund requests. You may call the program site phone number listed in this brochure to check the status of the program. Entertainer Bios

The Kinleys took home the Academy “It’s like we’re connecting on another first two records, Jennifer and Lionel Cartwright of ’s Top New Vocal level,” continues Heather. “We know Heather took a few years off began his musical Duet/Group Award in 1997 and have each other so well that we thought to start their families, which career in a West garnered more than 20 nominations that was impossible, but when we have inspired their lives, their Virginia basement from the Grammy’s, the CMA, and bring our voices together, it’s a dif- music, and the title of their with a player piano the American Music Awards. ferent kind of bonding experience.” latest album, All in the Family. and a record player. Since their debut, there have been a The twins grew up in Philadelphia The album is on their newly His vinyl instruc- sea of female vocal groups but none and have been performing together formed , Identical tors included the with the unique sound of The Kin- since they were eight. They sorted Records. To further the fam- great Nashville ses- leys. As twin sisters, Jennifer ily connection, The Kinleys sion players, as well and Heather possess an innate turned to Jennifer’s hus- as Elton John and sense of harmony, and their vo- band, singer// Billy Joel. cals have never sounded better producer Adam Hughes, to At 22 years of age, he moved to Nashville. than on their latest release, All produce the project and to Between 1988 and 1992, Cartwright charted in the Family. Heather’s husband, Mark 12 singles on the Billboard Hot Country Mendenhall, to lead the Singles & Tracks charts, including a Number The sisters first attracted at- management team. tention with their debut, Just One single in 1991’s “Leap of Faith.” Other Between You and Me. Their You will hear their early hits included “” and first single, “Please,” remains musical influences when “I Watched It All on My Radio,” co-written the highest debuting single by you listen to the All in the with . a female duo in country music Family collection, espe- In 1990, Cartwright was nominated for ACM history, while the album’s title cially in the all-out rocker, New Male Vocalist along with track was a top 10 smash. The “The Price of Love,” that and Garth Brooks. through their parent’s records and the Everly Brothers made album was certified gold and is ap- He toured extensively, sharing the stage with proaching the platinum sales mark. found themselves singing a wide famous years ago and in range of music from the Andrews the album’s closer, the lul- virtually every act in country music and The duo also scored a hit with the Sisters to Tammy Wynette to the laby The Kinleys penned chalking up thousands of performances. inspirational “Somebody’s Out There Everly Brothers. They learned how to called “My Baby Blue.” The In addition to his performing career, Cart- Watching,” from the Touched by an hone their harmony craft by imitat- duo co-wrote five songs on wright’s work as a composer has appeared on Angel soundtrack. That song was ing those Everly sounds they loved so the project and created the numerous television shows and documenta- also on their sophomore project, The much and eventually started listening unique Kinley sound that is ries, a career choice that allowed him to be Kinleys II. to the local country radio station. all their own. present and active in his children’s lives as “We love to sing separately, but there They soon became huge fans of the they grew up. family harmony of the Judds. is something exhilarating about A lifelong creative, he continues to thrive, putting our voices together,” says Life following The Kinleys II brought eagerly leaning into new ways of creating Jennifer. “At certain points when a lot of changes, including their works that speak to people’s hearts. we’re singing, the two of us really departure from Sony Records and do become one sound. It’s hard to their embankment into motherhood. explain, but it’s an amazing feeling.” After years of touring to support their Speaker Bios

Linda A. Duessel, CFA, Senior Vice President, as assistant commissioner and general available) for ethical standards and legal was actively involved in the firm’s asset alloca- Senior Equity Strategist, and Senior Client counsel for the department. ability from Martindale-Hubbell’s peer re- tion and investment selection processes. Portfolio Manager, Federated Investors, Inc, Gonzales serves on the board of directors of view ratings system. Howard frequently Layton earned his BS degree in finance from Pittsburgh, PA the Conference of State Bank Supervisors lectures and writes on estate planning and Michigan Technological University. A char- As senior equity market strategist, Linda (CSBS), which is the professional taxation topics. tered financial analyst, he is a member of the Duessel is part of the team responsible for organization of state banking commissioners Timothy E. Keehan, Vice President and CFA Society of Minnesota. formulating house views about various equity in the United States. Commissioner Gonzales Senior Counsel, Center for Securities, Trust, market conditions and the firm’s positioning is also a member of the board of directors and Investments, American Bankers Association, Glenn Perdue, Managing Member, Kraft strategies. As senior client portfolio manager, of the Money Transmitter Regulators Washington, DC Analytics LLC, Nashville she also is responsible for articulating the strat- Association (MTRA), an organization of Timothy Keehan is vice president and senior Glenn Perdue is the managing member of egy, process, positioning and performance of a majority of the states that regulate funds counsel at the Center for Securities, Trust, Kraft Analytics, LLC, which focuses upon Federated’s domestic and international equity transfer companies, and is also on the US and Investments at the American Bankers valuation, forensic and transaction advisory portfolios. Treasury’s Bank Secrecy Act Advisory Group. Association. The center resides in the ABA’s services. Duessel has been a regular contributor to Commissioner Gonzales was born in Financial Institutions Policy and Regulatory Valuation experience includes the valuation of CNBC’s “Closing Bell” and other programs. In Cookeville and graduated cum laude in Affairs group and is dedicated to assisting businesses, equity interests, intellectual property addition, she has appeared on Fox News “Your cursu honorum with a bachelor’s degree member banks with legislation, regulations, and other intangible assets for investment, lend- World With Neil Cavuto” and Bloomberg from Tennessee Technological University and other issues involving securities, trust, ing, managerial planning, compliance, account- Television. Duessel has also been extensively in 1980. He earned a law degree from the and investment activities. Keehan’s areas of ing, tax, marital dissolution, restructuring and quoted by Associated Press, The Wall Street University of Tennessee in 1984. focus include trust and asset management, litigation purposes. Journal and Barron’s and has been extensively ERISA, and fiduciary and advisory products featured in the annual roundtables for USA Bryan Howard, Partner, Howard & Mobley, and services. Albert W. Secor, Executive Vice President Today and Smart Money Magazine. Linda also PLLC, Nashville, TN Before joining the ABA in January of 2011, and Counsel, CapitalMark Bank & Trust, discusses personal finance with investor groups Bryan Howard is a co-founding member of Keehan was a partner in the financial regu- Chattanooga across the country on topics of interest ranging Howard & Mobley, PLLC. He assists families latory practice of Latham & Watkins and a Al Secor is executive vice president and direc- from the impact of the alternative minimum whose net worth exceeds $10 million with partner in the financial services regulatory tor of client services with CapitalMark Bank tax to investing for retirement. She has more wealth transfer planning, tax reduction plan- practice of Mayer Brown. & Trust, Chattanooga, TN. He joined the than 25 years of investment experience. ning, charitable giving, and asset protection Keehan received his BA degree in govern- bank in 2008 to initiate the its trust offering. Duessel earned her master’s degree from Carn- planning. He also advises the owners of close- ment and foreign affairs from the University Prior to starting a banking career in 1995, Se- egie Mellon University and bachelor’s degree ly held businesses with respect to tax and busi- of Virginia, his MA degree from Reformed cor was in the private practice of law for 29 from Wharton School of the University of ness succession issues and represents fiducia- Theological Seminary, and his JD from the years emphasizing probate and estate plan- Pennsylvania. Duessel is a CPA, CFA charter- ries and beneficiaries with regard to trust and University of Virginia School of Law. He is ning and state and federal taxation. estate administration and litigation issues. holder and a CFP professional. a member of the District of Columbia bar. Secor received his BBA degree in account- Howard earned his BS degree in business ing and a JD from Emory University and his Greg Gonzales, Commissioner, Tennessee Ryan Layton, CFA, Portfolio Manager, Main- administration from the University of Cali- LLM in taxation from New York University. Department of Financial Institutions, Street Advisors, Chicago, IL fornia at Berkeley, his JD from Vanderbilt He is a member of the American, Tennes- Nashville, TN University Law School, and his LLM, taxa- Ryan Layton is portfolio manager with see, and Chattanooga Bar associations; a past Greg Gonzales is the 18th commissioner tion, from the University of Florida Levin MainStreet Advisors, Chicago, IL. He is president of the Estate Planning Council of of the Tennessee Department of Financial College of Law. He is certified as an estate responsible for client relationships which Chattanooga; and a fellow of the American Institutions. He began serving in this role planning specialist in Tennessee. include portfolio analysis and management. College of Trust and Estate Council. He also in 2005, first appointed by Governor Phil Howard is listed in the Best Lawyers in He also sits on the investment committee, serves as chairman of the Tennessee Probate Bredesen, and was reappointed by Governor America (2001-2010 editions) in both the individual stock team, and asset allocation Study Group. team. Bill Haslam. He has served in the department tax and trusts and estates categories, has Secor is the author of the Tennessee Probate, since 1986. been selected as one of the top 100 Law- Prior to joining MainStreet Advisors, Layton The West Group, 1979, Second Edition 2002, yers in the US by Worth Magazine, one of In this position, Gonzales is Tennessee’s was an assistant vice president and investment and co-author of Tennessee Elder Law, The the best lawyers in Tennessee by Business chief regulatory officer of all state-chartered manager with Wells Fargo Wealth Manage- West Group, 2009. He is a frequent speaker Tennessee magazine, and one of the Best depository and licensed nondepository ment Group in Minneapolis, MN, where he on estate planning and estate administration Lawyers in Tax Law by Corporate Counsel financial institutions. He previously served handled client consulting and portfolio man- topics to the bar and other organizations. magazine. He has the AV rating (highest agement. Along with these responsibilities, he 2o13 Trust & Wealth Management Conference October 24 & 25 • TBA Barrett Training Center, Nashville Please print or type. List name and badge nickname for each attendant. Check space if registrant is a spouse. Must be included for delegates. For educational tracking only. LAST 4 DIGITS ONLY: Name:______Nickname______Spouse E-mail______SS#______

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TBA Members / Associate Members Member Spouses Nonmembers Nonmember Spouses 4 ways to register! 1. Register online Early Registration $285 $85 $570 $170 at www.TNBankers.org 2. Scan this form Early registration deadline is October 10. and e-mail it to [email protected] Registration $315 $115 $600 $200 3. Mail this form to the address below At-the-door $365 $165 $650 $250 4. Fax this form to 615/324-1987

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