7th Annual

CFO Symposium

May 24-25, 2018Ritz Carlton, Sarasota, Florida

This symposium has been approved for 9.0 CPE credits.

Schedule of Events

7th AnnualCFO Symposium

Ritz Carlton, Sarasota, Florida May 24-25, 2018

The role of the bank CFO, controller, treasurer or cashier is tougher than ever. Financial strategies are continually evolving in an effort to determine the best path for achieving earnings. Whether it is growing your loan portfolio or simply finding new fee income, the challenge to create acceptable ROA and ROE performance is as difficult as we have seen for nearly 20 years.

This symposium will discuss critical success issues with CFOs, CEOs, Board Members and other senior bank officers who are interested in enhancing their organization’s profitability in 2018 and beyond. The importance of reliable tools and techniques is crucial to achieving this goal. Among other presentation topics this symposium will focus on current banking and industry issues, accounting and financial reporting developments, mergers and acquisitions and investments. The "take away's" from this event will make it well worth your time, energy and money to attend.

THURSDAY, MAY 24th7:30 a.m. - 8:30 a.m. .............................................................................Registration Desk Opens & Continental Breakfast

Meeting Room Wifi Sponsored by: ICBA SecuritiesContinental Breakfast Sponsored by: Quantum Banking

8:30 a.m. - 9:45 a.m. ......................................................................................................................................... Session One"Opening Remarks and Symposium Emcee"

J. Kimbrough "Kim" DavisExecutive Vice President & CFO, Capital City Bank Group, Inc.

"Overview of Banking and Industry Issues"Frank A. Lafalce, Esq

Member, Anthony & Partners, LLC

9:45 a.m. - 10:00 a.m. ....................................................................................................Refreshment & Networking Break

10:00 a.m. - 11:00 a.m. .......................................................................................................................................Session Two"The Emerging Quantitative Measures in Assessing Credit Quality—the Overlaps and Distinctions"

DavidH.Ruffin Adam W. Thomas, CPA Director, DHG Credit Risk Management Office Managing Partner, Dixon Hughes GoodmanAs the ALLL calculation morphs into a fair value concept under CECL, it is paramount to understand the overlap and distinction of quantitative measures between your bank's credit mark, fair value disclosures, M&A due diligence and the upcoming CECL standard. This session will discuss strategic credit considerations across the bank’s loan, risk, audit and due diligence committees as banks look to tie together these different concepts to enhance efficiencies and performance.

11:00 a.m. - 11:15 a.m. ....................................................................................................Refreshment & Networking BreakSponsored by: Federal Home Loan Bank of Atlanta

11:15 a.m. - 12:15 p.m. ....................................................................................................................................Session Three"The Implications of CECL on Strategy and Maximizing Shareholder Value"

Adam Mustafa, President, Invictus GroupThe implementation of CECL in 2020 is a sea change for the banking industry. This session will educate attendees about the best way to get ready for CECL that will help them maintain a competitive edge in the marketplace. CECL is not only about compliance. It’s also about maximizing shareholder value, strategic planning, capital planning and M&A. CECL will change the way investors view a bank’s balance sheet. Smart banks will want to know what that picture looks like—and how they can optimize their bank for implementation.

12:15 p.m. - 1:00 p.m. ..................................................................................................................................................LunchSponsored by: SunTrust Robinson Humphrey, Inc.

1:00 p.m. - 2:00 p.m. ....................................................................................................................................... Session Four"Secrets Revealed: 10 Things Your Core IT Supplier Won't Tell You"

Aaron SilvaPresident & CEO, Paladin fs, LLC

This session will take the audience through 10 critical issues and negotiating secrets that bankers should know before they sit down at the negotiating table. It will discuss proprietary research findings that outline the problems, pitfalls and best practices in restructuring vendor contracts based on nationwide intelligence. Through real life examples of how banks often pay in excess of $1 million more than necessary over the life of their core services contracts, the audience will learn how to dramatically improve their core and IT spending efficiency and better protect their institutions from downstream risks hidden within their contracts.

2:00 p.m. - 2:15 p.m. .....................................................................................................Refreshment & Networking Break

2:15 p.m. - 3:15 p.m. ........................................................................................................................................Session Five"Balance Sheet Strategy: The Big Picture for Banks"

Scott Hildenbrand, Principal & Chief Balance Sheet Strategist, Sandler O’Neill & PartnersOpportunities in the capital markets and developments in the financial landscape are driving key balance sheet decisions for banks. As chief balance sheet strategist for Sandler O’Neill, Scott Hildenbrand shares his thoughts and insights regarding how banks can best position themselves to meet their earnings expectations for the second half of 2018.

3:15 p.m. - 3:30 p.m. .....................................................................................................Refreshment & Networking Break

3:30 p.m. - 4:30 p.m. .......................................................................................................................................... Session six" New Accounting Rules Expected to Greatly Expand Use of Interest Rate Swaps"

Rick Redmond, President, Vining Sparks Interest Rate Products, LLCFavorable changes to derivative accounting rules have greatly expanded the hedging opportunities for community bankers. Presently, almost one in four community banks use derivatives to efficiently manage their balance sheets. That number is expected to quickly grow as bankers discover the new opportunities presented by the new accounting rules. This session will present insights on new and existing interest rate swap strategies designed to improve performance and reduce risk.

5:00 p.m. - 6:00 p.m. ......................................................................................................... Networking Cocktail ReceptionHors d' oeurves Sponsored by: BMO Capital Markets

Drink Tickets Sponsored by: SunTrust Robinson Humphrey, Inc.

FRIDAY, MAY 25th7:30 a.m. - 8:30 a.m. .............................................................................Registration Desk Opens & Continental Breakfast

8:30 a.m. - 9:30 a.m. ...................................................................................................................................... Session Seven"Managing Interest Rate Risk, Liquidity and Performance in a Rising Rate Environment"

Ryan Hayhurst, Managing Director, The Baker GroupWith the Federal Reserve in the middle of its first tightening cycle in more than a decade, finding a balance between interest rate risk, liquidity and performance has never been more critical. You can improve your liquidity position by holding a lot of cash, but performance suffers. You can increase performance with long term fixed rate assets, but you may have to take

on significant IRR to get there. Managing any one of these issues in isolation is easy, but managing all three simultaneously is a challenge that all community banks must face. This session will explore the unique relationship between IRR, liquidity and performance and give you specific ideas about how to manage all three simultaneously. Case studies will be used to develop a Dynamic Liquidity Risk Management process and to present recommendations about how to improve investment portfolio performance while also managing IRR. Attendees will see bank-specific data and analysis that will include a peer group comparison, non-maturity deposit analysis, surge balance study and a Liquidity Stress Test. If desired, these analyses will be provided to each attendee after the session.

9:30 a.m. - 9:45 a.m. ......................................................................................................Refreshment & Networking Break

9:45 a.m. - 10:45 a.m. ..................................................................................................................................... Session Eight"Next-Level Enterprise Performance Management: Trends and Best Practices"

Brad Brockman Bryan Ridgway Senior Solutions Engineer Senior Solutions Engineer

Kaufmann Hall/Axiom SoftwareKaufman Hall recently surveyed CFOs and senior finance executives from more than 100 financial institutions around trends and priorities in enterprise performance management (EPM). This session will discuss; significant findings around plans and readiness for managing performance in key areas, including budgeting and forecasting, long-range and capital project planning, profitability analysis, and reporting and analytics; Kaufman Hall’s point of view on the areas in which banks are seeing the greatest return on process changes; and practical advice around EPM best practices to take back to your institution

10:45 a.m. .......................................................................................................................................................Adjournment

Special Thanks to our Sponsors

Meeting Room WifiICBA SecuritiesJames L Reber

President & CEO(800) 422-6442, jreber@icbasecurities.com

Thursday Continental BreakfastQuantum Banking

Michelle Danisovszky(904) 515-6503, Michelle.D@soundpayments.com

Thursday Refreshment BreakFederal Home Loan Bank of Atlanta

Todd WackerSenior Relationship Manager - Florida(404) 888-8479, TWacker@fhlbatl.com

Many heartfelt thanks go the companies listed below for their help in making this symposium a success.

Thursday Reception Hors d' oeurvesBMO Capital MarketsGerritt van de Wetering

Director/Interest Rate Mgmt Solutions(312) 845-4010, Gerrit.vandeWetering@bmo.com

Thursday Luncheon andThursday Reception Drink Tickets

SunTrust Robinson Humphrey, Inc.Scott M. Davis, CFAManaging Director

Head Fixed Income Sales, Middle Markets(901) 842-3727, scott.m.davis@SunTrust.com

Ryan HayhurstManaging Director, The Baker GroupRyan W. Hayhurst joined The Baker Group in 1991 and is a Managing Director and member of the board of directors. Ryan serves as Manager of the Financial Strategies Group and oversees the design and implementation of investment and asset/liability strategies for financial institutions. He is also integrally involved in the continued development of the firm’s proprietary software designed to assist clients in the management of their investment portfolios and their overall interest rate risk profiles. Hayhurst regularly develops and presents educational seminars nationwide, with a focus on investment and interest rate risk management. He

is a frequent speaker at financial institution conventions and investment conferences, and has served as a faculty member of several national and regional banking schools. Hayhurst holds a Bachelor of Business Administration degree from the University of Oklahoma.

Scott HildenbrandPrincipal & Chief Balance Sheet Strategist, Sandler O’Neill & Partners, L.P.Scott Hildenbrand is a Principal and Chief Balance Sheet Strategist of Sandler O’Neill + Partners, L.P. He heads the Balance Sheet Analysis and Strategy group, working with financial institutions on balance sheet strategy development, which includes interest rate risk management, investment portfolio strategy, retail and wholesale funding management, derivative strategy, capital planning, budgeting, and stress testing. Mr. Hildenbrand also works closely with the firm’s Investment Banking Group to identify and develop strategic opportunities for clients involved in mergers and acquisitions.

Mr. Hildenbrand previously worked in Sandler O’Neill’s Interest Rate Products Group, focusing on developing and implementing derivative and structured wholesale funding strategies for financial institutions. He spent his first four years at the firm in the asset/liability management group. Prior to joining Sandler O’Neill in 2004, Mr. Hildenbrand worked as a financial analyst in asset/liability management at Tower Federal Credit Union in Maryland.

Mr. Hildenbrand is a frequent speaker at industry conferences and seminars. He holds a Master of Business Administration in Finance from Loyola College in Maryland and a Bachelor of Arts with a concentration in Accounting and Finance from Gettysburg College. Mr. Hildenbrand serves as Treasurer on the Board of Directors for Liam’s Room, a not-for-profit organization that focuses on pediatric palliative care, a specialized approach to medical care for children with serious illnesses.

Frank A. Lafalce, Esq.Member, Anthony & Partners, LLCFrank Lafalce is a member of Anthony & Partners, LLC, practicing in the areas of banking law, general business law, loan restructuring, complex commercial transactions and commercial litigation. Prior to Anthony & Partners, LLC, Frank was Executive Vice President and Corporate Counsel for Florida Bank. Frank was responsible for the management of the Bank's Special Asset portfolio, and held several positions at the Bank prior thereto, including President and

Meet the Speakers

Chief Executive Officer. He also was Director of Special Assets for $5 billion-asset First Florida Bank headquartered in Tampa, Florida from 1989 until its purchase by Barnett Bank in 1993, and had the same role at $25 billion-asset Maryland National Bank of Baltimore Maryland from 1986 through 1989. Frank spent 5 years with the law firm of Cook, Howard, Downes & Tracy of Towson, Maryland as an associate attorney, handling all types of commercial, financial and regulatory transactions.

Frank received his J.D. degree from Washington & Lee University Law School in 1979, Magna Cum Laude and Order of the Coif. He was also the Executive Editor of the Washington & Lee Law Review. He received his B.A. in Political Science in 1976, from McDaniel College, formerly known as Western Maryland College, with Departmental Honors.

Frank is a member of the Florida Bar, Hillsborough County Bar .Association, U.S. District Court, Middle District of Florida, and the Tampa Bay Bankruptcy Bar Association. He is Martindale-Hubbell rated AV since 2012, and peer review rated ''preeminent" in terms of proficiency and legal ethics.

Brad BrockmanSenior Solution Engineer, Kaufman Hall/Axiom SoftwareBrad Brockman's responsibilities include assisting financial institutions of varying sizes and complexity in the development of solutions to analyze and improve their financial performance, utilizing the Kaufman Hall Axiom Software Suite. Mr. Brockman has more than 20 years of experience in performance management and analytical solutions for the banking industry. Prior to joining Kaufman Hall, he was the Solutions Leader at IBM, where he was responsible for leading financial solutions across North America, including the development of profitability, budgeting and planning, predictive, and business intelligence

tools. Mr. Brockman is a regular presenter at national and regional industry meetings, and has authored numerous articles on analytical solutions. He earned an M.B.A. from the University of Phoenix and a B.S. in Finance from Northern Kentucky University. Mr. Brockman holds certifications in Analytics, Big Data, and Master Technical Sales.

Adam MustafaPresident, Invictus Consulting GroupAdam Mustafa is President of Invictus Consulting Group and has been providing strategic analytics, M&A and capital adequacy advisory services to banks, regulators, bank investors, and bank D&O insurers since the beginning of the financial crisis. Mr. Mustafa has overseen the design and implementation of fully-customized capital stress testing, capital management, and strategic planning systems for community banks ranging from under $100 million in assets to Dodd-Frank banks that have in excess of $10 billion in assets. Within the community

banking space, he has advised acquisitive and high growth banks, banks under enforcement action and significant regulatory pressures, and de novo banks. He has also been a featured speaker on stress testing and concentration risk management at a number of conferences, including those hosted by regulators. Prior to joining Invictus, he had senior-level experience as a banker, financial services consultant and corporate CFO. He has an MBA from Georgetown University and a BA from Syracuse University.

Meet the Speakers Continued...

Meet the Speakers Continued...

Rick RedmondPresident, Vining Sparks Interest Rate Products, LLCRick serves as head of marketing and trading for Vining Sparks Interest Rate Products, LLC. His responsibilities include working directly with financial institution clients to develop and execute risk management and earnings enhancements strategies, management of the firm’s asset/liability management methodology and reporting, day-to-day management of the interest rate products group as well as direct oversight of the CD trading and wholesale funding desks. His specific expertise includes balance sheet hedging, commercial loan hedging,

mortgage servicing hedging, risk adjusted performance measurement/management, interest rate risk modeling/management, and wholesale funding strategy development. Rick is an often-featured speaker at Balance Sheet Management and Capital Markets Product conferences. He graduated from Auburn University with a BS in Accounting and Finance in 1979 and the BAI Graduate School of Banking at the University of Wisconsin in 1992.

Bryan RidgwaySenior Solutions Engineer, Kaufmann Hall/Axiom SoftwareBryan Ridgway is the Senior Solutions Engineer within Axiom’s Financial Institutions practice. In this role he assist clients and prospects understand how the Axiom solutions can help analyze and improve their overall financial performance. In addition, he provides industry thought leadership through the creation and delivery of articles, webinars and conference speaking engagements. Bryan has over twenty (20) years of experience in the financial risk and performance management areas within the banking industry. Prior to joining the Axiom team, he was the Director of Product Management for the

financial risk and performance management solutions at Fiserv, where he was responsible for leading overall business strategy in this area, including the development of funds transfer pricing, budgeting and planning, and asset liability management solutions. Bryan earned a MBA in Global Management with an emphasis in Finance, European Studies and German from Thunderbird School of Global Management. He holds an undergraduate degree in Business Administration from Pepperdine University.

DavidH.RuffinDirector, DHG Credit Risk ManagementDavid has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus. David assesses all aspects of the credit process and credit culture—pertaining to a financial institution’s day-to-day activities, as well as within the integration challenges of a prospective merger or acquisition. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked

with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.

Meet the Speakers Continued...He has presented at more than 100 conferences for state bankers associations and financial organizations on pertinent credit issues facing the industry throughout the U.S. David’s presentation topics include current trends in credit, stress testing, enterprise risk management, construction real estate concentrations, loan review effectiveness and the importance of credit culture. David has served as a subject matter witness in various cases and jurisdictions.

Prior to joining DHG, David was the co-founder and member of Credit Risk Management, L.L.C., (CRM). Formed in 1989, CRM was a consulting firm that provides comprehensive credit-related products and services to banks and other lending institutions throughout the U.S., until 2015. From 1984 to 1989 he served in credit officer positions at First Union, the last position as Senior Credit Officer of the Eastern Region of North Carolina. At that period of time he oversaw a commercial portfolio of approximately $10 billion. David is a former Regional Associate and Group Officer of Robert Morris Associates (Risk Management Association). David earned his Bachelor of Arts from the University of North Carolina - Chapel Hill; his Master of Science from East Carolina University; and he attended the American Bankers Association’s National Commercial Lending School and the National Commercial Lending Graduate School.

Aaron M. SilvaPresident & CEO, Paladin fs, LLCAaron Silva is a recognized and respected industry leader and negotiations expert standing for community financial institutions against the powerful oligopoly of Core & IT suppliers. After spending 15 years selling IT services to bankers across the country, Silva recognized that bankers lacked real market intelligence and pricing data necessary to enter these one-on-one negotiations intelligently. This realization served as the catalyst for founding Paladin fs and the Paladin Blue Book in 2007. With more than 100 successful transactions and $135 million in

cost reduction since Paladin’s inception - Silva realized the industry still needed a counter-balance to the oligopoly formed by “The Big Three”. In June 2016, Silva launched the Golden Contract Coalition with the unprecedented goal of aggregating large numbers of banks and $1B in combined contract revenue - manufacturing the leverage necessary to put the power back into the hands of community financial institutions and once and for all disrupt the major suppliers’ business models of one-sided, over-priced, and unfair deals.

Adam W. Thomas, CPAOffice Managing Partner, DHG Financial ServicesAdam has more than 16 years of experience in public accounting focusing on the financial services industry, and he leads the DHG Asset Management practice. In addition to providing external audit services, Adam has experience with internal controls over financial reporting, including FDICIA and Sarbanes-Oxley Act of 2002, various allowance for loan and lease losses models, business combinations and acquisitions, and SSAE 18 reporting. Prior to joining DHG, Adam worked for a Big Four firm for 10 years. He served external audit financial services and

technology clients, including community and regional financial institutions. Adam is a frequent contributor to industry publications and presents at industry conferences on emerging issues and trends. Adam is an active member of the local community. Adam earned his Bachelor of Science in Business Administration from Samford University, and his Master of Accountancy from Samford University.

General InformationHotel LocationRitz Carlton Sarasota1111 Ritz Carlton DriveSarasota, Florida 34236Reservations: 888-838-3439

Room ReservationsTo reserve your room call the hotel reservation office and identify yourself with the Florida Bankers Association 7th Annual CFO Symposium, to receive the contractual room rate of $199. (additional state and local taxes will also be applied) Pleasebesuretosecureyourroomreservationassoonaspossiblebeforethecutoffdate of Monday, April 23, 2018. Reservations made after this date, or when the room block is sold out, will be subject to group room and rate availability.

Dress CodeDress for the 7th Annual CFO Symposium is business casual. The meeting room tends to be cold so a jacket or sweater may be necessary.

Continuing Educational Credits AvailableThe Florida Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the Na-tional Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North,

Suite 700, Nashville, TN, 37219-2417. Web site: www.nasbaregistry.org. Up to nine (9) credit hours for accounting,businessmanagementandorganizationandfinanceareavailable for thisgroup-liveevent. Prerequisites: None; Advanced Preparation: None; Program Level: Overview

“Education is learning what youdidn’t even know you didn’t know.”

~Daniel J. Boorstin

"In prosperity, prepare for change;

in adversity, hope for one."~Author Unknown

FLORIDA BANKERS ASSOCIATION7th Annual CFO Symposium

May 24-25, 2018 Ritz Carlton, Sarasota, Florida

IMPORTANT: Complete this form and return with your credit card information to Florida Bankers Association, 1001 Thomasville Rd, Suite 201,Tallahassee, FL, 32303. Telephone: 850-701-3515. FAX: 850-222-6338. For more information on this symposium or any other FBA educational event contact Pete Brokaw by email at pbrokaw@floridabankers.com or at the numbers above.REGISTRATION FEE INCLUDES: General sessions, handouts, lunch, reception, continental breakfast and all refreshment breaks. Received on or Received before 5/10/18 after 5/10/18FBA Member ............................................................................................... $475.00 $525.00All other Non-FBA Member ........................................................................ $950.00 $1,050.00

REGISTRATION FORM CFOSYMP18

Contact Person: ________________________________________ Title: _____________________________________________

Organization: __________________________________________ Email: ____________________________________________

Phone: _________________________________ Ext. ____________ Fax: _____________________________________________

Address: ________________________________________________________________________________________________

City:___________________________________________ State: _________Zip: ______________________________________

List Registrants’ Names

1) Name: ____________________________________________ Order # (FBA Use): ________

Email: ____________________________________________ Title: _____________________________________________

2) Name: ____________________________________________ Order # (FBA Use): ________

Email: ____________________________________________ Title: _____________________________________________

3) Name: ____________________________________________ Order # (FBA Use): ________

Email: ____________________________________________ Title: _____________________________________________

4) Name: ____________________________________________ Order # (FBA Use): ________

Email: ____________________________________________ Title: _____________________________________________

5) Name: ____________________________________________ Order # (FBA Use): ________

Email: ____________________________________________ Title: _____________________________________________

Method of Payment (check one)Payment is required at time of submission to process registration. Approved refunds will be payable via FBA check. q MasterCard q VISA q American Express q Discover

Credit Card Number: ______________________________________

Name on card: ___________________________________________

Exp. Date: _______________ Total Amount Due: $ _____________

Cancellation and Refund Policy

In the event you are unable to attend a meeting, the FBA strongly encourages sending a substitution. Cancellations prior to four (4) weeks will be refunded minus a 10% processing fee. Cancellations 2-4 weeks prior to an event will be refunded minus a 25% processing fee. There are no refunds or credits for cancellations within two (2) weeks of an FBA event.