<p> 2017 PA BANKERS LENDING CONFERENCE - DAY I Nov. 16, 2017 The Hotel Hershey Meeting Booklets Sponsored by:</p><p>7:30 a.m. REGISTRATION/CONTINENTAL BREAKFAST – Garden Terrace East Sponsored by: </p><p>8:15 a.m. OPENING GENERAL SESSION – Garden Terrace East</p><p>Welcome/Opening Remarks 2017 Lending Conference Chair Marisa Flynn, Director – School of Commercial Lending Vice President, Risk Management Reliance Bank Altoona, Pa.</p><p>8:30– 9:30 a.m. GENERAL SESSION – Garden Terrace East</p><p>Cybersecurity Keith Morales Vice President & Information Security Officer Federal Reserve Bank of Philadelphia Philadelphia, Pa.</p><p>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</p><p>1 9:45– 11 a.m. GENERAL SESSION – Garden Terrace East</p><p>Building an Enduring, Disciplined Credit Culture David Kemp President Bankers Management, Inc. Atlanta, Ga.</p><p>2 11:10 a.m. – 12:10 p.m. CONCURRENT SESSIONS</p><p>1) Enterprise Risk Management (ERM) Considerations for Community Banks – Garden Terrace West</p><p>Lou Dunham Senior Vice President – Risk Management Consulting Ardmore Banking Advisors Ardmore, Pa.</p><p>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.</p><p>12:15– 1:15 p.m. LUNCHEON – Starlight Terrace Sponsored by: </p><p>PA Bankers Update Joseph W. Major, PA Bankers Chair Bank Leader, Chairman & CEO The Victory Bank Limerick, Pa.</p><p>1:20– 2:30 p.m. CONCURRENT SESSIONS</p><p>1) Pitfalls of Construction Lending – Garden Terrace East </p><p>Recent Development and Trends in Federal Enforcement Actions David Kemp President Bankers Management, Inc. Atlanta, Ga.</p><p>2) CECL – Garden Terrace West Bill Hoving, Partner Jim Oleff, CPA, Senior Manager Crowe Horwath</p><p>3 Columbus, Oh.</p><p>2:30– 2:50 p.m. REFRESHMENT BREAK - Garden Terrace East Lounge Sponsored by: </p><p>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</p><p>4 – 4:45 p.m. ADJOURN/RECEPTION – Starlight Terrace Co -Sponsored by: Investors Title Insurance Company & PA Bankers Services Corporation </p><p>2017 PA BANKERS LENDING CONFERENCE - DAY II Nov. 17, 2017 The Hotel Hershey</p><p>7:30 a.m. REGISTRATION/BUFFET BREAKFAST - Garden Terrace East Sponsored in part by: Capital Partners Group</p><p>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.</p><p>8:15 – 9:30 a.m. GENERAL SESSION – Garden Terrace East Regulatory Panel Moderator: Carter D. Frantz, Esquire, Partner, Bybel Rutledge LLP, Lemoyne, Pa.</p><p>Representatives from the following:</p><p>Jessica Kaemingk, Assistant Regional Director, Federal Deposit Insurance Corporation</p><p>5 Shima Martin, Northeastern District Commercial Credit Expert, Office of the Comptroller of the Currency</p><p>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 </p><p>Consumer Financial Protection Bureau (Invited)</p><p>9:40 – 10:40 a.m. CONCURRENT SESSIONS </p><p>1) HMDA Expansion - Garden Terrace West Leonard Bernstein, Esquire Partner Reed Smith Philadelphia, Pa.</p><p>2) Impairment Analysis: Supporting The Bank’s ALLL Calculation – Garden Terrace East David Kemp President Bankers Management, Inc. Atlanta, Ga.</p><p>10:45 – 11 a.m. REFRESHMENT BREAK – Garden Terrace East Lounge Sponsored by: </p><p>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.</p><p>12:30 p.m. CLOSING REMARKS/ADJOURN 2017 Lending Conference Chair Marisa Flynn, Director – School of Commercial Lending Vice President, Risk Management Reliance Bank</p><p>6 Altoona, Pa.</p><p>10/5/2017</p><p>Conference Credits:  CLBB=11  CPE=8.5  CLE=3 substantive</p><p>7</p>