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June 16 - 20, 2019 Sandestin Golf and Beach Resort

Annual Summer Conference and Investment Conference

Program

Welcome!Welcome to our 34th Annual Summer Conference. We are delighted to have you and your family with us. We have a good crowd this year with quite a few new faces. This year promises to be better than ever!

Our staff and affiliates are here to help make your stay comfortable and enjoyable, so please let us know if you need anything. Should you need to make any changes or have any questions about your itinerary, please call Kim or Shannon.

We have made every effort to acknowledge all registrants in this program. However, if registrations were made after deadline dates, your bank or company may not be included in this book. We apologize if you are not mentioned.

We invite you to relax and hope you enjoy yourself. Again, if there is anything you need, please ask one of our staff members and they will be more than happy to assist you.

Our StaffJoseph F. Quinlan, Jr. ChairmanJoseph F. Quinlan, III President & CEOCarolyn Dyer Chief Financial Officer, Senior Vice PresidentCheryl Kennedy Chief Marketing Officer, Senior Vice PresidentKim Langlois Director of Corporate Affairs, Senior Vice President

Chris Corts PresidentJim Black Investment Sales Representative, Senior Vice PresidentWes Caudell Investment Sales Representative, Senior Vice PresidentCindy Christian Investment Support Manager, Senior Vice PresidentReaves Crabtree Investment Sales Representative, Senior Vice PresidentPhilip Earnest Investment Sales Representative, Senior Vice PresidentEdward Hobbs Investment Sales Representative, Senior Vice PresidentScott Kimel Investment Sales Representative, Senior Vice PresidentBill Merritt Investment Sales Representative, Senior Vice PresidentRay Morgan Investment Sales Representative, Senior Vice PresidentJamie Moore Investment Trader, Senior Vice PresidentRichard Robey Investment Sales Representative, Senior Vice PresidentTimothy Vardaman Capital Markets Operations Manager, Senior Vice PresidentMaria Wilke Relationship Manager OfficerJohn Williamson Investment Trader, Senior Vice President

Wayne Husband PresidentLori Anderson Managing Director - Compliance Services, Senior Vice PresidentJames DeVane Managing Director - Loan Review, Senior Vice PresidentRobin Slay Managing Director - Internal Audit Services, Senior Vice President

Chris Corts President

Jim Hudson President and CEOCarolyn Dyer Chief Financial Officer, Executive Vice PresidentChris Rolfsen Chief Credit Risk Officer, Executive Vice President Cheryl Kennedy Chief Marketing Officer, Senior Vice PresidentShannon Kirby Administration Manager, Vice President

Arkansas RegionJay Wisener Regional Market PresidentKeith Jones Correspondent Lending Officer, Senior Vice PresidentHerbert Thomas Relationship Manager, Vice President

Charles Morris Regional Market PresidentAndrew Nichol Relationship Manager, Senior Vice PresidentJeff Sands Correspondent Lending Officer, Senior Vice PresidentJonathan Simon Correspondent Lending Officer, Senior Vice President

Alabama Region

Florida RegionCharlie Brinkley Regional Market PresidentAggie Gibson Correspondent Lending Officer, Senior Vice PresidentMichael Malone Relationship Manager, Senior Vice PresidentJeff Neale Correspondent Lending Officer, Senior Vice PresidentRob Trott Relationship Manager, Senior Vice President

Delvan Irwin Manager of Insurance, Senior Vice President

Paxton Mogenson Regional Market PresidentCynthia Oliver Relationship Manager, Senior Vice PresidentPatrick Nelson Relationship Manager, Senior Vice President Sheila Tibbetts Managing Director - ALM, Senior Vice PresidentMichelle Adams Manager - ALM Operations, Senior Vice PresidentCraig Eversole Correspondent Lending Officer, Vice PresidentBrian Nosacka Correspondent Lending Officer, Vice PresidentJoshua Brunt Relationship Manager, Assistant Vice President

Louisiana/Mississippi Region

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TABLE OF CONTENTS

Monday Business Meeting Agenda and Presenters Page 1

Tuesday Business Meeting Agenda and Presenters Page 3

Wednesday Business Meeting Agenda and Presenters

About Our Conference Page 8

Conference Agenda Page 9

Sandestin Golf and Beach Resort Page 11

Registrants / Guests List Page 12

Baytowne Conference Center Layout Page 27

Resort / Transportation Map Page 28

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MONDAY, June 17

8:00 AM - 8:15 AM JOE QUINLANChairmanFirst National Bankers Bankshares, Inc.

Opening Remarks

JIM HUDSON President and CEO First National Bankers Bank

Opening Remarks

8:15 AM - 8:30 AM CHRIS CORTS President FNBB Capital Markets and FNBB Capital Markets, LLC

Opening Remarks

8:30 AM - 9:30 AM ROGER C. TUTTEROW, Ph.D. Professor of Economics & Director, Econometric Center Department of Economics, Finance and Quantitative Analysis Michael J. Coles College of Business Kennesaw State University

Topic: The Economic, Political and Business Climate

9:30 AM - 9:45 AM BREAK

9:45 AM - 10:30 AM JAMIE MOORE Senior Vice President & Investment Trader FNBB Capital Markets

Topic: If the Opportunity Knocks . . . .

10:30 AM - 11:15 AM LACY H. HUNT, Ph.D. Executive Vice President & Chief Economist Hoisington Investment Management Co. (HIMCO) Topic: Two Theorems on Fiscal and Monetary Effects on Interest Rates

“Improve Performance . . . Increase Earnings”

Meeting Agenda

Guest Presenters

Roger C. Tutterow, Ph.D.Professor of Economics & Director, Econometric CenterDepartment of Economics, Finance and Quantitative AnalysisMichael J. Coles College of BusinessKennesaw State University

Roger Tutterow’s analysis of the economic, business and political environments have been featured in a variety of media including Wall Street Journal, Financial Times, and USA Today, just to name a few. In addition to his work in academia, Dr. Tutterow has served as a consultant on financial economics and statistical modeling for corporate clients ranging from Fortune 500 companies to closely held businesses. He has provided expert testimony on economic, financial and statistical matters in state and federal court, before the Georgia General Assembly and before the Georgia Public Service Commission. Dr. Tutterow has given several hundred speeches to professional groups in 23 states and Canada on a variety of topics in the economic, business and political arenas.

LACY H. HUNT, Ph.D. Hoisington Investment Management Company

Lacy H. Hunt, an internationally known economist, is Executive Vice President and Chief Economist of Hoisington Investment Management Company (HIMCO), a firm that manages $4 billion for pension funds, endowments, insurance companies and others.

Lacy is the author of two books, and numerous articles in leading magazines, periodicals and scholarly journals. Included among the publishers of his articles are: Barron’s, The Wall Street Journal, The New York Times, The Christian Science Monitor, The Journal of Finance, the Financial Analysts Journal and the Journal of Portfolio Management. The Board of Governors of the Federal Reserve System and the Dallas Federal Reserve Bank both published his research. The Wall Street Journal, The New York Times, BusinessWeek, Barron’s, Time, Newsweek, U.S. News and World Report, Investor’s Business Daily and many other domestic periodicals have quoted Lacy. Among the foreign press, Lacy’s views have appeared in The Financial Times, the Nihon Keizai Shimbun, the South China Post, The International Herald Tribune and The Straight Times. He has been a guest on PBS on The Nightly Business Report, The News Hour, and Wall Street Week. He has been on CNN shows Moneyline, and Business Morning and on CNBC’s Squawk Box and World Business. He has also appeared on CBS Evening News, NBC’s Today Show, and ABC’s World News Tonight. He has made numerous presentations in all the major financial and economic centers in Europe, Asia, the Middle East, Africa and North America. He has appeared on radio and television outside of the United States, including The BBC, NHK and TV Tokyo. Mr. Hunt has testified before various committees of Congress, including House Ways and Means, Senate Finance and Senate Banking. Previously, Lacy was Chief U.S. Economist for the HSBC Group, one of the world’s largest banks, Executive Vice President and Chief Economist at Fidelity Bank and Vice President for Monetary Economics at Chase Econometrics Associates, Inc. Lacy considers himself fortunate that he had the opportunity of working for two firms led by great bankers: David Rockefeller (Chase) and Sir William Purvis (HSBC). A native of Texas, Lacy has served as Senior Economist for the Federal Reserve Bank of Dallas. While at the Dallas Fed, he served on the Federal Reserve System Committees: Financial Analysis and International Economics. He successfully completed the training program at the Federal Reserve Bank of New York. When he entered the Fed, William McChesney Martin was grappling with a severe inflation and when he left Author Burns was also trying to contain rampant price increases, virtually the opposite of the challenges facing Janet Yellen and the Fed today. At the Fidelity Bank of Philadelphia he had the responsibility for managing the Trust Department’s Comingled Fixed Income Fund in the 1970s and early 1980s. This fund produced one of the highest returns during this inflationary era. He earned his BA from Sewanee: The University of the South (1964), his MBA from the Wharton School of the University of Pennsylvania (1966), and his Ph.D. in Economics from the Fox School of Business and Management of Temple University (1969). From Sewanee, he received an honorary Doctor of Civil Laws in 2013 and their Distinguished Alumnus Award in 2016. Lacy served on the Board of Trustees of Temple University from 1987 to 2010 and is now an honorary life trustee. He received the Abramson Award from the National Association for Business Economics for “outstanding contributions in the field of business economics.” He is a life member of the American Finance Association. He was a member of the Economic Advisory Board of the American Bankers Association and Chairman of the Economic Advisory Board of the Pennsylvania Bankers Association. He served on the Monetary and Fiscal Policy Affairs Committee of the National Chamber of Commerce. He was a member of The Money Marketeers of New York University. The honorary doctorate from Sewanee reads “His career path has included stops at some of the most powerful financial institutions in the country, where he has not only influenced internal investment policy but has left an indelible mark on the nation’s economic policy through his publications, speeches and appearances in the national media.” 2

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TUESDAY, June 18

7:15 AM - 7:45 AM DIMA GHAWI Breakfast Meeting Dima Ghawi, LLC 2nd Floor, Camillia Ballroom

Topic: Dare To Thrive

Dima Ghawi uses her powerful teaching tool to encourage women to face and conquer their internal limitations and elevate their confidence.

__________________________________________________________________________________

8:00 AM - 8:15 AM JAY WISENER Regional Market President First National Bankers Bank

Opening Remarks

8:15 AM - 9:00 AM KIM SNYDER, CPA, CGMA ANDREW BEEDLE, Ph.D. President & Founder Chief Digital Strategist KBS Results LLC KBS Results LLC

Topic: Using Digital Behavioral Marketing to Cross-Sell Current Customers and Attract New Ones

9:00 AM - 10:00 AM DIMA GHAWI Dima Ghawi, LLC

Topic: Elevating Employee Engagement

10:00 AM - 10:15 AM BREAK

10:15 AM - 11:15 AM LOREN C. SCOTT, Ph.D. Loren C. Scott & Associates Topic: Regional Economic Update


Meeting Agenda

Guest PresentersKim Snyder, CPA, CGMAKBS Results LLC

Kim is the President and Founder of KBS Results LLC, a management consulting firm which focuses on the financial institutions sector. Since inception, KBS has assisted community bank clients with projects such as Interim CFO, Strategic Planning, M&A Preparedness, M&A Due Diligence, M&A Integration, Outsourced Finance and Accounting, Enterprise Risk Management, Report Management and Process Improvements. Prior to starting KBS in September 2015, Kim served as Chief Financial Officer of Valley Financial Corporation / Valley Bank, a $900 million publicly traded bank in Roanoke, Virginia, where she was instrumental in the success of the Bank which led to the acquisition by BNC Bancorp at a 173% premium to tangible book value. Kim also served as a member of the Virginia Bankers Association CFO Committee from 2008 – 2015 and served as Chair from 2012 – 2015.

Kim earned the banking graduate degree and leadership certificate from the ABA Stonier Graduate School of Banking and served as the student advisor to the ABA Stonier Graduate School of Banking Board of Directors in 2014. She is a magna cum laude graduate of James Madison University, a licensed Certified Public Accountant in the state of Virginia, and a CGMA Designation Holder.

Loren C. Scott, Ph.D.Loren C. Scott & Associates, Inc.

President and founder of the firm. He was on the Economics Department faculty at Louisiana State University from 1969 to 1998, where he rose through the ranks from Assistant Professor to the holder of the Freeport-McMoran endowed Chair of Economics. He is presently Professor Emeritus of Economics at LSU. Dr. Scott is co-developer of the Louisiana econometric model, a model used for providing annual forecasts of the Louisiana economy, which are released each fall. He was a coinvestigator on over $1 million in grant research at LSU and is the author of over 75 articles and technical reports in addition to reports written for consulting clients.

Andrew Beedle, Ph.D.KBS Results LLC

Andrew Beedle, PhD is Chief Digital Strategist for KBS Results, a consulting firm specializing in process consulting, merger & acquisitions, marketing strategy, and communications services for the banking industry. He is a sought after speaker, presenting at national and regional conferences as well as industry sponsored symposia and engagements with individual companies. In addition to speaking and writing on marketing and the growth of the Internet, Dr. Beedle has been interviewed by numerous publications including The Wall Street Journal, the Lawlor Review, AdAge, and U.S. News and World Report. Andy has served on the boards of several non-profit organizations and is an avid cyclist, sailor, and foodie. He has three children and two dogs. He and his wife Gretchen make their home in Roanoke, Virginia.

Dima GhawiDima Ghawi, LLC

Dima ignites the untapped potential in individuals across the globe, empowering them to shatter limitations and become courageous, purpose driven leaders. Dima is committed to inspiring individuals to attain personal and professional growth, while simultaneously helping organizations increase diversity within their leadership ranks.

Through keynote speeches, workshops, and executive coaching, Dima shares her unique leadership journey with one goal in mind: motivate and activate those around her to reimagine their potential and grow in leadership.

Dima draws from two decades of corporate experience leading global teams and developing future leaders worldwide. She has worked across the United States, Europe, Asia, Middle East, and Africa for several Fortune 100 companies including IBM, Merrill Lynch, and Intuit. She has honed a keen expertise in developing leaders to meet the demands of the global workforce.

In addition to her global empowerment work, Dima serves on numerous nonprofit boards. She has been recognized for her services with the 2014 President of the United States Bronze Volunteer Service Award, the 2014 Baton Rouge Business Report’s “Forty Under 40” Award, and the 2016 Louisiana State University “Esprit de Femme Award.” She has been featured in numerous publications for her professional and philanthropic work.

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WEDNESDAY, June 19

7:15 AM - 7:45 AM KIM SNYDER, CPA, CGMA Breakfast Meeting President & Founder 2nd Floor, Camillia Ballroom KBS Results LLC

ANDREW BEEDLE, Ph.D. Chief Digital Strategist KBS Results LLC

Topic: Bringing Your Data to Life

Kim Snyder and Andy Beedle present a demo of a new dynamic dashboarding solution that brings together previously disparate data points into a single, simple-to-understand view. Be one of the first to see how this tool will help you drive personalized sales based upon your individual customers’ information. ____________________________________________________________________________________ 8:00 AM - 8:15 AM PAX MOGENSON Regional Market President First National Bankers Bank

Opening Remarks

8:15 AM - 9:00 AM TERRI SANDS, CAMS - Audit, AAP, CFE, ACT Specialist Founder Secura Risk Management Topic: Faster Payments: The Need for Speed . . . or Not

9:00 AM - 9:45 AM GERRIT van de WETERING Director, U.S. Regional & Community Bank Team BMO Capital Markets

Topic: Interest Rate Hedging - Best Practices and Strategies for Community Banks

9:45 AM - 10:00 AM BREAK

10:00 AM JOEY QUINLAN President and CEO First National Bankers Bankshares, Inc.

Introduction

10:00 AM - 11:00 AM TERRY CREWS Actor, Activist, Best-Selling Author, and Former Athlete Topic: A Morning with Terry Crews


Meeting Agenda

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Guest Presenters

TERRI SANDS, CAMS-Audit, AAP, CFE, ACT SpecialistSecura Risk Management

Terri is the founder of Secura Risk Management and leads the company in its strategic efforts to offer the most pressing and needed services in payments, BSA/AML, Cybersecurity and fraud. Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations. Terri consults and speaks frequently for regulatory and governmental agencies on topics including payments risk management and strategy, operational compliance, BSA/AML, financial crimes, operational risk management improvements and efficiencies. Terri has authored numerous publications and articles on payments risk management, fraud prevention, money-laundering prevention strategies, elder financial exploitation, and identity theft red flag compliance. Terri also served as the Director of the Payments Risk Management and the Financial Investigative Unit for State Bank & Trust where she was responsible for payments risk management, fraud management, physical security and BSA/AML.

Terri is an Advanced Certified Anti-Money Laundering Specialist (CAMS – Audit), a Certified Fraud Examiner (CFE), an At-Risk Adult Crime Tactics (ACT) Specialist and an Accredited ACH Professional (AAP).

Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri served as the President of the Georgia Automated Clearing House Association (GACHA), a non-profit, regional payments association where she provided strategic direction for the association and its membership. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District. In addition, Terri led the efforts for training financial institutions throughout the Sixth District on the National Electronic Federal Tax Payment System (EFTPS).

Gerrit van de WeteringBMO Capital Markets

Gerrit has been with BMO Capital Markets since 2007, starting at Marshall and Ilsley (M&I) Bank which was acquired by Bank of Montreal in 2011. At M&I, Gerrit was the original architect of the Private Label Swap Program for community banks which was then inherited by Bank of Montreal. His primary responsibilities include business development and implementation of our Private Label Swap Program for community banks. He brings 18 years of practical experience to the team. Prior to joining BMO, Gerrit managed Morgan Keegan’s Interest Rate Products Derivatives practice where he focused on hedging programs for community banks. He also worked for Bank One (now JP Morgan) as a derivative marketer covering large corporate and middle market clients across a broad array of hedging situations. Before Bank One, he worked for ABN AMRO Bank NA, where he was a risk control officer for ABN’s derivative trading desk. Gerrit holds a bachelor’s degree from the University of Iowa and an MBA in Finance with an emphasis in derivatives from Loyola University in Chicago. He holds Series 7 and 63 professional licenses.

Terry Crews Biography on next page

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Guest Presenters

Terry CrewsActor, Activist, Best-Selling Author, and Former Athlete

Action-movie hero, sitcom star, game show host, pitchman, former NFL player and best-selling author all describe the man that is Terry Crews. Crews is perhaps best known for his action and comedy roles in an impressive resume of film and television work which include The Expendables film franchise, Golden Globe award-winning and SAG Award nominated comedy series Brooklyn Nine-Nine, Everybody Hates Chris, and the wildly popular Old Spice commercials. He is also known for his ability to pull off what is considered the “best robot” on earth.

The three-time People Magazine “Sexiest Man Alive” star has top-lined some of the biggest films of the

past decade including his star making turn in the Wayans brother comedy classic White Chicks and the Mike Judge directed cult classic IDIOCRACY, to the #1 film of all time on Netflix, The Ridiculous Six opposite Adam Sandler, who is a frequent collaborator with Crews having worked together in five films. Crews also ventured into hosting and was the face of the long running game show staple Who Wants to be a Millionaire, as well as the hit Fox clip show series, World’s Funniest. In 2019, Terry premiered as the host of NBC’s America’s Got Talent: The Champions. In 2014, Crews added author to his resume with the release of his book, Manhood, which received critical acclaim, with Jezebel calling Terry “one of the most progressive and thoughtful voices in gender criticism”. Crews has also proven himself a frequent viral video collaborator, teaming up with Jimmy Fallon for their famous ‘Nip Sync’ duet, starred in a Super Bowl commercial with the Muppets, was featured as one of The New York Times “Scene Stealers,” for his role on Brooklyn Nine-Nine, and he also officially became a verb in the urban dictionary. Last summer, after seeing his son’s interest in video gaming and computers, Crews decided that they would build a PC together from scratch while employing help from his fans across the Internet. After one Facebook Live video created an explosion on the Internet with fans from all around the world helping Terry and his son build their PC, the gaming industry started calling with offers for endorsements and partnerships. Just this past June, Microsoft unveiled their highly anticipated Xbox One and Windows game Crackdown 3, in which Crews’ likeness will be available as a playable character, Commander Isaiah Jackson, named after his son. Crews, also a lifelong artist, recently added furniture designer to his resume with the Fall 2017 release of his capsule collection with Bernhardt Designs, which won an award at the prestigious NeoCon show in Chicago. Always drawing and sketching alongside his many day jobs, Terry joined the ranks of a number of other design world heavyweights including Yves Béhar, Jaime Hayon and Ross Lovegrove as a contributor to Bernhardt’s portfolio. But behind the brawn, bullets, and laughs is a renaissance man from Flint, Michigan who, as a teen, got his first big break after high school with an art scholarship at the prestigious Interlochen Center for the Arts in Michigan. This was followed by an Art Excellence scholarship and a full ride athletic scholarship for football at Western Michigan University, where, as a star defense end, he helped lead the Broncos to a Mid-Atlantic Conference Championship in 1988. After several years in the NFL (where he painted portraits of teammates to supplement his income) with the Los Angeles Rams, San Diego Chargers, Washington Redskins and Philadelphia Eagles, Crews turned his talents to the performing arts, where his talent, hard work, character and dedication has made him one of the most sought out and respected talents in the industry. Crews has frequently returned to his Flint roots, recently directing his own Travel Channel documentary for their docuseries Celebrity Adventure Club, in which he explored his own childhood, interviewing his mother and former school teacher and even paid visits to two automotive companies in Detroit that have seen a major comeback – General Motors, where he stepped onto the assembly line to fasten some bolts, and Ford, where he got to test drive a 2016 Mustang convertible. He also met up with baseball legend Willie Horton at Comerica Park to discuss Detroit’s resilience and rising community.

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CONFERENCE WEBSITEGo to our conference website http://conference.bankers-bank.com from your mobile device or tablet and view the Conference Agenda, Meeting Agenda, Current Attendee and Guest List, Meeting Presentations, and Conference Critique.

BADGESPlease wear your badge to all meetings and social activities. If you lose your badge or need another one, please call Kim or Shannon. Present your badge when parking near the conference center in the FNBB, Inc. reserved parking area.

BUSINESS MEETINGSOur business meetings are held in the Magnolia Ballroom in the Baytowne Conference Center. They begin at 8:00 AM each day. Please see the detailed agenda.

SOCIAL ACTIVITIESOur social activities are held throughout the Sandestin property, concentrating in the Baytowne Village area. Please refer to the conference agenda for exact locations and times. If you would like to register additional registrants for a particular function, please call Kim or Shannon so badges can be made for them. Badges must be worn to all functions in order to be served.

CLOSING CEREMONIESThe Closing Ceremonies will be Tuesday, June 18 from 6:30 PM to 11:00 PM. Adults will enjoy dinner and entertainment in the Magnolia Ballroom on the 1st level of the Baytowne Conference Center. We will provide assigned seating again this year, so please check the back of your name tag for the table number.

There will be a separate activity area for the children set up on the 2nd level of the Baytowne Conference Center, the Grand Lawn and the Baytowne Conference Center breezeway. These activities will be available from 6:30 PM to 9:30 PM.

Children ages 4 to 9 years old will be located on the 2nd floor of the conference center and require a parent's signature to enter and exit the function. They will eat dinner in the Camellia I Ballroom and be entertained with an obstacle course and bounce house. Also, there will be a X-box Kinect Dance and Sports Challenge, Wii Challenge, arts and crafts, and popcorn and a movie. This group of children will be supervised by Sandestin staff at all times. No children under the age of 4 years old will be accepted into this function. (ALL CHILDREN MUST BE PICKED UP OR MUST LEAVE THIS AREA BY 9:30 PM)

Children ages 10 to 12 years old will register and eat dinner on The Grand Lawn. Activities will include: Color Party with tie dye powder, color relays, powder filled balloons, glow sticks, and glow Bluetooth speakers. Following the Color Party will be a Pool Party at The Grand Lawn. The children will watch the Sandestin fireworks show in The Village and then return to the Baytowne Conference Center. Towels will be provided to all participants. This group of children will be supervised by Sandestin staff at all times.

Children 13 to 17 years old will register in the breezeway between The Grand and Baytowne Conference Center. Transportation will be provided from The Grand to the beach. Dinner will be available and activities will include: Beach bonfire with smores, Minute To Win It, Beach Olympics, Blue Crush Dual Lane water slide, DJ. Towels will be provided to all participants.

Please note that it is the parent's decision as to what group the child stays with. If you want your child supervised at all times and unable to leave the function, they must be signed in with the Sandestin staff.

BEACH CHAIRSFNBB, Inc. has reserved 150 sets of beach chairs for Wednesday, June 19 from 8:00 AM to 5:00 PM. They will be located between the boardwalks of Beachside Towers I and Beachside Towers II. Beachside Towers I & II are located to the west (right) of The Beach House. The beach chairs will be labeled with tags "Reserved for FNBB, Inc." FNBB, Inc. will provide drinks for the adults and children. Bracelets will be provided for the group to access the drinks provided in the coolers. The cooler will be located in the center of the beach chair layout designated for FNBB, Inc.

About the Conference

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SUNDAY, JUNE 16

2:00 PM - 6:00 PM Registration The Grand Sandestin lobby

7:00 PM - 9:30 PM Welcome Reception Beach in front of The Beach House

MONDAY, JUNE 17

7:00 AM - 9:30 AM Breakfast Buffet Azalea I, II, III - 2nd level Baytowne Conference Center

8:00 AM - 11:15 AM Business Meeting Magnolia A, B, C - 1st level Baytowne Conference Center

12:30 PM - 6:00 PM Golf Tournament Baytowne Golf Course and The Raven Golf Course

TUESDAY, JUNE 18


7:15 AM - 7:45 AM Breakfast Session Camellia Ballroom - 2nd level Baytowne Conference Center

8:00 AM - 11:15 AM Business Meeting Magnolia A, B, C - 1st level Baytowne Conference Center

10:00 AM - 11:30 AM Bingo Baytowne Conference Center Adults - Azalea I, II, III - 2nd level 17 to 20 years old - Jasmine - 2nd level 12 to 16 years old - Camellia II - 2nd level 7 to 11 years old - Camellia I - 2nd level

Water Slide on The Grand Lawn 4 to 6 years old - The Grand Lawn in front of the Baytowne Conference Center

6:30 PM - 11:00 PM Closing Ceremonies (ADULTS) Theme “Hot Havana Night” Magnolia Ballroom - 1st level Baytowne Conference Center

Listed on the following pages is our conference agenda. A map is shown on page 26 to assist you in locating events held at different areas of the property. Please dress casual and enjoy yourself!

Conference Agenda

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TUESDAY, JUNE 18(Continued)

6:30 PM - 9:30 PM Closing Ceremonies (CHILDREN) 4 to 9 years old (supervised with restrictions) Activies for children will be on the 2nd level of Baytowne Conference Center. Dinner and Inflatables, X-box, Wii, Arts & Crafts, Popcorn and a Movie.

NOTE: All children must be picked up by 9:30 PM. No children under the age of 4 years old are allowed at this function. Children under the age of 4 years old may attend the Adult Dinner.

6:30 PM - 9:30 PM 10 to 12 years old (supervised with restrictions)

Registration and Dinner on The Grand Lawn. Activities at The Grand Lawn and The Grand pool.

13 years old and up (supervised with no restrictions)

Registration in the breezeway between The Grand and Baytowne Conference Center. Transportation provided to the beach and back. Dinner and activities at the beach.

WEDNESDAY, JUNE 19


7:15 AM - 7:45 AM Breakfast Session Camellia Ballroom - 2nd level Baytowne Conference Center

8:00 AM - 11:00 AM Business Meeting Magnolia Ballroom - 1st level Baytowne Conference Center 8:00 AM - 5:00 PM Day at the Beach (To the right of The Beach House)

THURSDAY, JUNE 20

11:00 AM Check-out - No Planned Activities

Conference Agenda

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SANDESTIN RESERVATIONSSandestin Beach Resort Check-in is at 4:00 PM. Check-out is 11:00 AM. Individuals checking out after the designated 11:00 AM. departure time will be assessed a damage fee equal to one-half of the room rate, plus applicable tax.

SANDESTIN AMENITIESSandestin provides the following free amenities with your reservation: Two (2) complimentary 4-hour bicycle rentals each day of your stay (per unit; One hour free of canoe or kayak rentals and one hour of boogie boards, weather permitting (2 boogie boards per reservation); An hour of free Destin tennis resort court time per unit. (After 11 AM during peak season: March 1st - July 31st); Free access to the Sandestin Fitness Center (adults only, please); and free Destin seasonal resort tram transportation service. To enjoy these exclusive privileges, just present your Resort Card.

SANDESTIN RESORT FITNESS CENTERThe Sandestin Fitness Center is located above Sandestin's Linkside Conference Center. Specialized services and equipment supported by certified instructors promote total body enhancement in a safe, effective and comfortable training environment. Call 850.267.6464 for more information.

Sandestin Golf and Beach Resort guests simply present their Resort Key Card for free access to the Sandestin Fitness Center. Guests must be 18 years old to enter alone; guests ages 16 thru 17 must be escorted by a parent; guests under 16 are not permitted.

SANDESTIN SALONThe spa and salon are located above the Linkside Conference Center on the bay side of the resort. Services are available Monday thru Saturday from 9:00 AM to 6:00 PM and closed on Sunday. Call 850.267.6466 for more information.

GOLFSandestin's golf resort features four award-winning Destin golf courses: Baytowne Golf Club, Burnt Pine Golf Club, Raven Golf Club and The Links Course. For advance tee times call 850.267.8211.

WATER SPORTSIf it’s fun and it floats, you’ll most likely find it at the Baytowne Marina. Choose from WaveRunners, snorkel and scuba gear, kayaks, boogie boards and pontoon boats. For more information call 850.267.7777.

THE VILLAGE OF BAYTOWNE WHARFThe Village of Baytowne Wharf is the gathering place for everyone visiting Sandestin. Discover and explore the many charming shops, exciting night life, and dine at a different restaurant or eatery every day.

TRANSPORTATION / PARKINGSandestin offers complimentary on-property transportation throughout the resort, featuring (3) color-coded routes with stops conveniently located at points of interest and in many of the neighborhoods. Tram stops and current hours of operation for this service can be viewed on the Sandestin resort maps issued at check-in or by visiting the Sandestin App. Trams are available to resort guests by showing a valid Sandestin® amenity card (room key).

A new hotel and conference center are under construction next to The Grand. Parking is limited in that area. There will be reserved parking for FNBB, Inc. conference attendees in the lot to the right of The Grand. Present your conference badge when parking in this reserved area.

SANDESTIN APP

Put the best of Sandestin Golf and Beach Resort in the palm of your hand with our full-featured app. Use our resort app to find restaurants, shops and activities, or schedule a tee time at one of our championship golf courses. You’ll also find our app to be a great resource for other uses too, including getting information such as hours of operation, club membership, real estate contacts and tracking our resort trams in real-time. Search for “Explore Sandestin” in iTunes (Apple users) or Google Marketplace (Android users) to download it today.

Sandestin Golf & Beach Resort

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On the following pages is a listing of all of our registrants, their families and guests. Registrants who were unable to submit their activity registration by the deadline date may not be listed.

Registrant Name GuestsMichelle AdamsFirst National Bankers BankBaton Rouge, LA

Robert Adams, Claire Adams, Danielle Adams

John AhlenArkansas State Bank DepartmentLittle Rock, AR

Raeanne Gardner

Shannon AkerBank of BrookhavenBrookhaven, MS

Robyn Aker, Leslie Anne Aker, Alison McCaffrey, Archie McCaffrey, Asher McCaffrey, Josh McCaffrey, Justin Franciskato

Arlene AlbaradoFirst National Bank of LouisianaCrowley, LA

Michael Albarado, Jerry Bergeron, Sue Bergeron, Dean LeJeune, Debra LeJeune

Andy AndersonBank of AnguillaRolling Fork, MS

Tracye Anderson

Lori AndersonFirst National Bankers BankBaton Rouge, LA

Craig Anderson

Christopher ArdenCalhoun BanksGrantsville, WV

Jada Arden, Jacob Arden, Jenna Arden

Paul BachMorgantown Bank & TrustMorgantown, KY

Deloris Bach, Jim Shain, Candace Hogan

Bill BarberaUnited Community BankRaceland, LA

Dawn Barbera, Hailey Barbera, Jenna Barbera, Josh Barbera, Chasity Thompson

Robbie BarnesPriorityOne BankMagee, MS

Melissa Barnes, Barnes Baker, Brad Baker, Laura James Baker, Whitney Baker, Kaylea Barr, Lauralyn Barr, Meredith Barr, Sutton Barr

Donna BatchelorCB&S BankRussellville, ALGreg BatchelorCB&S BankRussellville, AL

John Batchelor, Emma Nichols

Doug BaudoinThe BankLake Arthur, LA

Gail Baudoin

Todd BeersThe Bankers’ Bank of KentuckyFrankfort, KY

Kim Beers

Ted BellardSt. Landry Homestead Federal Savings BankOpelousas, LA

Melanie Bellard, Melanie Evans, Sam Evans

Rusty BennettFirst National Bank of ClarksdaleClarksdale, MS

Julie Bennett

Anthony “Kip” BertrandSt. Landry Homestead Federal Savings BankOpelousas, LA

Holly Bertrand, Brianna Bertrand, Gabbie Bertrand, Hayden Bertrand, Darian Richard

Registrant / Guest List

12

Billy BinghamUnited Southern BankHopkinsville, KY

Melodie Bingham

Jim BlackFNBB Capital MarketsBirmingham, AL

Kathy Black, Cheryl Black, Daniel Black

Brad BoltonCommunity Spirit BankRed Bay, AL

Julie Bolton, Bailey Bolton, Brady Bolton, Brooklyn Bolton, Lane Yancey

John BordelonHome Bank, NALafayette, LA

Suzanne Bordelon

Ben BorneSynergy BankHouma, LA

Mollie Borne

Blaine BoudreauxThe BankJennings, LA

Jennifer Boudreaux, Ella Boudeaux, Hudson Carter, Caroline Cormier, Haydon Romero

Karen BoydSouthwest Georgia BankMoultrie, GA

Jeff Boyd, Camden Boyd, Cameron Boyd, Kelly Boyd, Paisley Boyd

John BoyettFirst State Bank of the South, Inc.Sulligent, AL

Susan Boyett

Phillip BranchThe Citizens Bank of PhiladelphiaPhiladelphia, MS

Blair Branch, Cohen Branch, Finley Branch, Gale Butler

Dawn BridgesFirst National Bank of Coffee CountyDouglas, GA

Stacy Bridges

Charlie BrinkleyFirst National Bankers BankLake Mary, FL

Sherry Brinkley

Chan BrinsonFarmers & Merchants BankLaFayette, AL

Pam Brinson

Brad BruceSouth Lafourche Bank & Trust CompanyLaRose, LA

Crystal Bruce, Beau Bruce

Paul Brummett, IIJD BankJennings, LA

Lori Brummett, Sydney Brummett

Joshua BruntFirst National Bankers BankRidgeland, MS

Valerie Brunt, Brooks Brunt, Debbie Brunt, Lucy Brunt, Joanne Wright

Terry BunnellThe Peoples BankGlasgow, KY

Debbie Bunnell

Daniele BuzzerioCommerce National Bank & TrustWinter Park, FLJeremy CallaisM C Bank & Trust CompanyMorgan City, LA

Casie Callais, Charlotte Callais, Evangeline Callais, Sinclair Callais

Registrant / Guest ListRegistrant Name Guests

13

Larry CallaisM C Bank & Trust CompanyMorgan City, LA

Kathy Callais

Patrick CampbellResource BankCovington, LA

Lori Campbell, Taylor Keller, Tim Keller, Madison McPike, Patrick McPike

Chris CarothersThe Citizens Bank of WinfieldWinfield, AL

Brandi Carothers, Allie Carothers, Caroline Carothers, Elizabeth Carothers

Russell CarothersThe Citizens Bank of WinfieldWinfield, AL

Becky Carothers, Julia Gardner

Wesley CaudellFNBB Capital MarketsBirmingham, AL

Jordan Caudell, Hayes Caudell, Price CaudellWill Caudell

Brad ChapmanFranklin State Bank & Trust CompanyWinnsboro, LA

Christy Chapman, Blake Chapman, Brandon Chapman, Lane Duff

Cindy ChristianFNBB Capital MarketsBirmingham, A

Patti Erwood, Trey Helms, Jennifer Helms

Albert ChristmanGuaranty Bank & Trust Company of DelhiDelhi, LA

Caroline Christman, Bailey Miller, Cooper Miller, Mason Miller, Meredith Miller, Fran Nixon, James Albert Nixon, Nicholas Nixon, Price Nixon, Steven Nixon

Tony CochranCK Business SolutionsAlbertville, AL

Wendi Cochran, Tara Cochran, Shelby Cochran

Dale ColeFirst Community BankBatesville, AR

Gayle Cole, Kathryn Cole, Sophia Scott

Michelle ColemanBank of Edmonson CountyBrownsville, KYPatrick ColemanBank of Edmonson CountyBrownsville, KYJerry CookseyFirst Advantage BankClarksville, TN

Perla Cooksey

Shannon CoombsCommonwealth Community BankHartford, KY

Rebecca Coombs, Connor Coombs, Emma Coombs, Abigail Morehead

Charlotte CorleyMississippi Department of Banking and Consumer FinanceMadison, MS

Aubrey Corley

Chris CortsFNBB Capital MarketsBirmingham, AL

Leslie Corts, Conwill Corts, Thomas Corts

Joseph CouvillonVermilion Bank & Trust CompanyKaplan, LA

Rhonda Couvillon, Ross Couvillon, Taylor Couvillon, Emily Romero, Breard Snelling

Reaves CrabtreeFNBB Capital MarketsBirmingham, AL

Helen Crabtree


14

Ricky CredoCFICBaton Rouge, LA

Holly Credo

Steve CrispinoSouth Louisiana BankHouma, LA

Alyssia Hay

Charlie CrossCornerstone BankEureka Springs, AR

Leslie Cross, Garrett Cross, Jackson Cross, Olivia Cross, Mickee Clark

Timothy DantzBank of EvergreenEvergreen, AL

Katherine Dantz, Lucy Dantz, Sarah Williams

Brent DavisFirst State BankHolly Springs, MS

Cheryl Davis, Bryce Davis, Zoe Davis, Dalton Daughdrill

Glen DavisFirst National Bank & TrustAtmore, AL

Judy Davis

Rhonda DaySebree Deposit BankSebree, KY

George Day, Coleton Day, Neil Day, Lauren Mitchell, Roman Roller, Rhonda Tucker

Glenn DecouWashington State BankWashington, LA

Sondra Decou

Jimmy DeVaneFirst National Bankers BankBaton Rouge, LA

Marianne DeVane, Grace Costin, Greg Costin, Julia Costin, Whitney Costin, Caroline Miller, Elizabeth Miller, Paul Miller, Paul Miller, Jr., Christy Vaccaro

Carlton DeVaughnFirstState BankLineville, AL

Ian Bloodsworth, Renee Bloodsworth, Shannon Bloodsworth, Alex Koda

Justin DixonCitizens Guaranty BankIrvine, KY Jason DoroughMetro BankPell City, AL

Cara Dorough, Bryant Dorough, Grace Dorough

Boris DoverFirst Community BankBatesville, AR

Pam Dover, Alana Dover Coburn, Addison Coburn, Brandon Coburn

John DucrestLouisiana Office of Financial InstitutionsBaton Rouge, LA

Becky Ducrest, Matt Ducrest, Dirk Trahan, Tasha Trahan

Menza DudleyPhenix-Girard BankPhenix City, AL

Jackie Dudley, Jack Dudley, Mason Dudley

Bryan DuetState Bank & Trust of Golden MeadowGolden Meadow, LA

Melanie Duet, Brandon Allemand, Brayden Allemand, Carly Allemand, Alan Moreton, Ava Moreton, Megan Moreton, Anna Claire Savell

Brandt DufreneFirst National Bank USABoutte, LA

Glenda Dufrene

Brandt Dufrene, Jr.First National Bank USABoutte, LA

Bridgette Dufrene, Mary Dufrene, Laura Dufrene, Sarah Dufrene, Trey Dufrene, Ellory Schultz


15

Carolyn DyerFirst National Bankers Bankshares, Inc.Baton Rouge, LA

Larry Dyer

Philip EarnestFNBB Capital MarketsBirmingham, AL

Beth Earnest, Matthew Earnest, William Earnest

Stephen EberhartFirst Fidelity BankFort Payne, AL

Brenda Eberhart

Jim EsryLafayette State BankMayo, FL

Linda Esry

Curt EvattOconee Federal Savings & LoanSeneca, SC

Alice Evatt, Amelia Evatt, Thomas Evatt, Emma Edwards, Ame-Hamilton Leroy

Craig EversoleFirst National Bankers BankRidgeland, MS

Amy Eversole, Anna Grace Eversole, Will Eversole, Beth Savage

Russell FavaFirst National Bank of ClarksdaleClarksdale, MS

Kimberly Fava

Kyle FerachiMcGlinchey Stafford Law FirmHouston, TXMark FolsePedestal BankHouma, LA

Monica Folse, Emily Folse, Michael Folse, Luke Benedict, Riley Killian

Judy ForemanBank of ZacharyZachary, LA

Michael Foreman

Steve FosterFirstState BankLineville, AL

Gail Foster, Russ Foster, April Foster, Aubrie Foster, Hudson Foster, Reid Foster, Allison Wesley, Jared Wesley, Addison Wesley, Pate Wesley

Patricia FowlerBank of EvergreenEvergreen, AL

Wayne Fowler, Conner Davis, Eli Riley, Lexi Riley

David FranklinFirstState BankLineville, AL

Jenny Franklin, Adam Franklin, David Franklin, Felicity Franklin, Gideon Franklin, Marietta Franklin, Rob Franklin, Steven Franklin, Trinity Franklin

Candace FranksArkansas State Bank DepartmentLittle Rock, AR

Roger Franks

Bob FrazierHomeland Federal Savings BankColumbia, LA

Jennifer Frazier

Steve FrazierCCB Community BankAndalusia, AL

Terrie Frazier

Russell GahaganBusiness First BankBaton Rouge, LA

Claire Gahagan, Anne Marie Gahagan, Russ Gahagan, Sidney Gahagan

Dan GarnandMerchants & Farmers Bank of Greene CountyEutaw, AL

Mary Garnand, James Garnand


16

Kim GillieBank of WigginsWiggins, MS

Lee Gillie, Erica Leigh Johnson, Kendall Johnson, Taylor Johnson

Aggie GibsonFirst National Bankers BankLake Mary, FL

Fred Gibson

Kyle GoodwinFirst Financial BankBessemer, AL

Ashley Goodwin, Caroline Goodwin, Ford GoodwinGlenda Turner

Skipper GoodwinFirst Financial BankBessemer, AL

Stephanie Goodwin

Marsha GranenBank of VernonVernon, AL

Mark Granen, Brad Carter, Summer Carter, Dawn Townsend, Mark Townsend

Valerie GrayFarmers & Merchants BankLafayette, AL

Shawn Gray, Samantha Gray, Sydney Gray, Shelvie Glvorns

Sue GraysonConcordia Bank & Trust CompanyVidalia, LA

Danny Grayson

Ken HaleBOM BankNatchitoches, LA

Shannon Hale, Ragan Hale, Maria Bienvenu, Emily Maggio, Maggie Wheat

Chad HamiltonWarren Averett, LLCFort Walton Beach, FLChris HarperThe Commercial Bank of OzarkOzark, AL

Jolie Harper, Foster Harper

Mim HattenBank of WigginsWiggins, MS

Todd Hatten, Becca Anderson, Garrett Anderson, Zachary Anderson, Ty Stewart

Richard HeardBank of Winnfield & Trust CompanyWinnfield, LA

Diane Heard, Aidan Heard, Andy Heard, Cooper Heard, Courtney Heard

Robert HeardBank of Winnfield & Trust CompanyWinnfield, LA

Penny Heard, Annie Heard, Elizabeth Heard

Steve HeardBank of Winnfield & Trust CompanyWinnfield, LA

Pam Heard, Carter Heard, Cooper Heard, Jolene Heard, Nancy Heard

Larry HensgensCommunity First BankNew Iberia, LA

Jerri LeClair

Derek HetheringtonThe Bankers’ Bank of KentuckyFrankfort, KY

Sarah Hetherington, Ella Hetherington, Jon Parker Hetherington

Edward HobbsFNBB Capital MarketsBirmingham, AL

Beth Hobbs

Allen HodoFirst State BankWaynesboro, MS

Stephanie Hodo, David Hodo, Will Hodo


17

Amber HoggHancock Bank and Trust CompanyMadisonville, KY

Wade Hogg, Ailise Hogg, Nancy Hogg

Kerry HoltNobleBank and Trust, N.A.Anniston, AL

Shanna Holt, Caroline Holt

Jim HudsonFirst National Bankers BankBaton Rouge, LA

Michelle Hudson, Burkel Gervais, Ashlyn Howcott, Haleigh Howcott, Katelyn Howcott, Lori Howcott

Anthony HumphriesNobleBank and Trust, N.A.Anniston, AL

Cristy Humphries

Andy HuntFarmers Bank & Trust CompanyMarion, KY

Brooke Hunt, Brian McDaniels, Dennis O’Nan, Kaisley O’Nan, Katlin O’Nan

Dr. Lacy H. HuntHoisington Investment Management CompanyAustin, TX

Janet “J.K.” Hunt

Wayne HusbandFNBB Services Corp.Ridgeland, MS

Laura Husband

Delvan IrwinFNBB Insurance Agency, LLCRidgeland, MS

Lee Irwin, Ty Irwin, Haley Knight, Hayden Oswalt

Andy JohnsonBank of VernonVernon, AL

Brax Keith, Eliza Keith, Emily Keith

William JohnsonBasile State BankBasile, LA

Renee’ Johnson, John Christian Johnson, Will Johnson, Bri Ramirez, Stephen Ramirez

Chad JonesFirst Bank of AlabamaTalladega, AL

Elana Jones, Anna Grace Jones, Ryals Jones

Jason JonesMorgantown Bank & TrustMorgantown, KY

Tiffani Jones, Brady Jones, Brandon Jones, Maddie Jones

Keith JonesFirst National Bankers BankLittle Rock, AR

Tami Jones

Byron JordanFirst State BankWaynesboro, MS

Linda Jordan

Rene’ JulianFirst Community BankLittle Rock, AR

Charlene Julian, Chris Vaughan, Wally Vaughan

Michael KeenRiverHills BankVicksburg, MS

Tiffany Keen, Elizabeth Keen, Will Keen

Rhoshunda KellyMississippi Department of BankingJackson, MS

Mike Kelly, McKinley Kelly, Reagan Kelly

Cheryl KennedyFirst National Bankers Bankshares, Inc.Baton Rouge, LA

Carl Kennedy


18

Mitch KeyFirst Bank of AlabamaTalladega, AL

Cathy Key

Todd KidderSt. Landry Homestead Federal Savings BankOpelousas, LA

Suzanne Kidder

Jenifer KimbroughOakworth Capital BankBirmingham, AL

William Kimbrough, Henry Kimbrough, Mary Evelyn Kimbrough, Mary Goforth

Scott KimelFNBB Capital MarketsBirmingham, AL

Jenny Kimel

Brad KingAnstaff BankHarrison, AR

Stephanie King

Shannon KirbyFirst National Bankers BankBaton Rouge, LA

Lee Kirby, Hagen Kirby, Kyle Kirby, Trey Kirby

Jimmy KiserCitizens Bank & Trust Company of JacksonJackson, KY

Angie Thomas

Kirk KleiserSt. Landry Homestead FSBOpelousas, LA

Marina Kleiser, Olga Volchenko

Richard KnightMetro BankPell City, AL

Laura Knight

Frederick LafleurSt. Landry Homestead FSBOpelousas, LA

Connie Lafleur, Olivia Moreau

Thomas LaneCCB Community BankAndalusia, AL

Patsy Wood

Kim LangloisFirst National Bankers Bankshares, Inc.Baton Rouge, LA

Ken Langlois, Kenli Lacassagne, Hart Lacassagne, Herbie Lacassagne, Hudson Lacassagne

Ginger LaurentLouisiana Bankers AssociationBaton Rouge, LA

Keith Miller

H. Carter Leak, IIIBank of St. FrancisvilleSt. Francisville, LA

Yvonne Leak

H. Carter Leak, IVBank of St. FrancisvilleSt. Francisville, LA

Brittany Leak, Harrison Leak, Jack Sam Leak, Madzy Leak, Sophie Alberstadt, Hanson Church

Craig LeBouefSt. Landry Homestead Federal Savings BankOpelousas, LA

Melanie LeBouef

Dennis LedbetterHomeland Federal Savings BankColumbia, LA

Kaye Ledbetter

Conville LemoineBank of St. FrancisvilleSt. Francisville, LA

Polly Lemoine


19

Wilbur LipseyCatahoula-LaSalle BankJonesville, LA

Julie Mount

Gary LittlefieldGulf Coast Bank & Trust CompanyBaton Rouge, LA

Debbie Littlefield, Pam Fry, Linda Upton

Claud C. “Neil” LoweThe Bank of EdisonEdison, GA

DeWana Lowe

Lewis LoweFarmers & Merchants BankLafayette, AL

Kathy Lowe

Doug LuceCentury BankLucedale, MS

Judy Luce

Greg LuttrellCommonwealth Community BankHartford, KYJim LyonsFirst National Bank of LouisianaLafayette, LA

Elizabeth Lyons, James Lyons, Katherine Lyons, Reagan Favolora

Sonny MacArthurPorter Keadle Moore, LLCAtlanta, GA

Liz MacArthur, Brennen MacArthur, Kelly Stouffer

Michael MaloneFirst National Bankers BankLake Mary, FL

Julie Malone, Ashlyn Malone, Kent Malone

Steve MarcumCitizens First Bank. Inc.Bowling Green, KY

Alecia Marcum, Emily Marcum, Jack Phillips, Sarah Phillips, Sloane Phillips

Mark MarionneauxBank of ZacharyZachary, LA

Alicia Marionneaux, Dylan Marionneaux, Kaylea Marionneaux, Paige Marionneaux

Susannah MarshallArkansas State Banking DepartmentLittle Rock, AR

Wilks Marshall

Brant MathieuGuaranty Bank and Trust Company of DelhiDelhi, LA

Cindy Mathieu, Bobbie Mathieu, Kristen Mathieu

Kristi Burge-MaxwellMerchants & Marine BankPascagoula, MS

David Maxwell

Laura McAlexanderCentennial BankTrezevant, TN

Roger McAlexander

Joe McClungCornerstone BankEureka Springs, AR

Chrys McClung

Tim McCraneyHNB First BankHeadland, AL

Janet McCraney, Julia McCraney

Greg McKeeThe Citizens Bank of PhiladelphiaPhiladelphia, MS

Linda McKee


20

Rush McKelveyFarmers & Merchants BankLaFayette, AL

Lisa McKelvey, Anna Caroline McKelvey, Tanner McKelvey, Tate McKelvey

Bill MerrittFNBB Capital MarketsBaton Rouge, LA

Barbara Merritt, Britt Bowker, McClain Bowker, Merritt Bowker, Ryan Bowker

Leo MickenheimCitizens Savings BankBogalusa, LA

Judi Mickenheim, Graham Mickenheim, Jason Mickenheim, Lauren Mickenheim, Mary Grace Mickenheim, Isabella Blom, Jennifer Blom, MacKenzie Blom, Jon Woods, John Ross Woods, Kelli Woods, Olivia Woods

Megan MillerElavonNashville, TN

Dean Miller, Elijah Miller, McKenna Miller

Rose MillerFirst National Bank of LouisianaCrowley, LA

John Miller, Ben Miller, Case Miller, Cole Miller, Joe Miller, Rachael Miller

Pax MogensonFirst National Bankers BankBaton Rouge, LA

Jennifer Mogenson, Gray Mogenson

Barbara MontgomeryCheaha BankOxford, ALJamie MooreFNBB Capital MarketsMemphis, TNRay MorganFNBB Capital Markets Shreveport, LA

Karen Morgan

Charles MorrisFirst National Bankers BankBirmingham, AL

Renea Morris, Zach Morris

Brady MoutonWashington State BankWashington, LA

Lizette Mouton

Jacob MullinsPremier Bank of the SouthCullman, AL

Holly Mullins, Case Mullins, Sander Estes, Sawyer Estes, Slate Estes

Crystal MurphyFinancial Institution Service CorpWest Monroe, LA

Shannon Murphy, Hanley Murphy, Jackson Sullivan

Jeff NealeFirst National Bankers BankLake Mary, FLJoel NeelyRiverHills BankMadison, MS

Jessica Neely, Cole Neely, Macy Neely, Mary Dogan Neely, Marianna Wright

Pat NelsonFirst National Bankers BankShreveport, LA

Vicki Nelson

Kim NevilsBank of WinnfieldWinnfield, LA

Chris Nevils, Emily Nevils, Kate Nevils


21

Andrew NicholFirst National Bankers BankBirmingham, ALJohn NicholsFirst National Bank in DeRidderDeRidder, LA

Jennifer Nichols, Noel Nichols, Randy Nichols, Ryan Nichols, Sarah Painter

David NolanFifth District Savings BankNew Orleans, LA

Roselyn Nolan, David Diket, June Diket, Melanie Diket, Chris Doize, Grace Doize, Monica Doize, Brandon Petz, Melissa Petz

Brian NosackaFirst National Bankers BankBaton Rouge, LA

Brennon Nosacka

Paul OberkirchFirst National Bank & TrustMobile, AL

Leanne Oberkirch, Lindsey Oberkirch, Matthew Oberkirch, Riley Oberkirch

Cynthia OliverFirst National Bankers BankBaton Rouge, LA

Maddie Oliver, Morgan Oliver, Ashley Goss

Virginia OwenBank of Holly SpringsHolly Springs, MS

Douglas Owen, Barbara Lupton, Catherine Mirante, Chris Mirante, Luke Mirante, Mia Mirante

Stephen PanepintoPlaquemine Bank & Trust CompanyPlaquemine, LA Patrick PatoutGulf Coast BankAbbeville, LA

Vickie Patout, Amy Patout, Paige Patout, Rachel Patout, Elliot Broussard, Leah Broussard, Gerry Dunn, Hunter Guidry

Paul PatoutGulf Coast BankAbbeville, LA

Kim Patout, Chris Patout, Luke Patout, Michael Patout, Blake Bourque, Jenny Bourque, Violet Bourque, Joli Breaux, Lainey Cormier, Kyle Mouton, Jeremy Reed

Sabrina PedigoThe Peoples BankGlasgow, KY

Casey Pedigo

Mindy PereCard Assets, LLCKennesaw, GA Chris PhippsFirst National Bank & TrustLondon, KY

Mia Phipps, Hayden Phipps, Libby Phipps

Michelle PouletSt. Landry Bank & Trust CompanyOpelousas, LA

Caroline Amy, Georgia Amy, Jessica Amy, Kyle Amy, Matt Amy, Ashley Grahmann, Maren Grahmann, Reed Kennedy

Chris PowellCitizens Bank & Trust, Inc.Trenton, GA

Shannon Powell, Danny Darby

Randy PratherFirst National Bank of LouisianaCrowley, LA

Elaine Prather, Aiden Smiley, Elaina Smiley, Erin Smiley, Hudson Smiley

Donna PurserCommunity Spirit BankRed Bay, AL

Leigha Purser, Katherine Price

Joe QuinlanFirst National Bankers Bankshares, Inc.Baton Rouge, LA

Suzanne Quinlan


22

Joey QuinlanFirst National Bankers BankBaton Rouge, LA

Wendy Quinlan, Kayla Quinlan, Sean Quinlan, Garrett Harvey

John RamageThe First National Bank of BrundidgeBrundidge, AL

Missy Ramage, Amy Ramage, Mary Ramage, Riley Ramage

Ricky RayFirst Bank of BoazBoaz, AL

Corey Ray

Michael RedikerPorter White & CompanyBirmingham, AL

Julie Rediker, Camille Rediker, Grace Rediker, Vivien Rediker

Daniel ReesLegacy State BankLoganville, GA

Allison Rees, Amy Rees

Michelle ReesorFirst Community BankBatesville, AR

Jerry Reesor

Travis RenfrowAmerican Bank & Trust Company, Inc.Bowling Green, KY

Liz Renfrow, Isabel Renfrow, Sofia Renfrow, Ester Gonzales

Travis RichardM C Bank & Trust CompanyMorgan City, LA

Caren Richard, Graham Richard, Tanner Richard

Michael Riche’United Community BankRaceland, LA Richard RobeyFNBB Capital MarketsBirmingham, AL

Marla Robey, Luke Robey, Richard Robey, William Robey, Raley Killgore

Drew RoeMetro BankPell City, AL

Chrissy Roe, Haylee Roe, Jacob Roe

Chris RolfsenFirst National Bankers BankBaton Rouge, LA

Marlene Rolfsen, Andree Rolfsen, Brandon Rolfsen, Heather Rolfsen, Renee Rolfsen, Chris Sutton

Jeff SandsFirst National Bankers BankBirmingham, AL

Terri Sands

Mitt SchroederCentral State BankCalera, AL

Tatum Schroeder, Sara Tate Schroeder, Will Schroeder

Shane SchroederCentral State BankCalera, AL

Alexis Schroeder, Natalie Schroeder

Loren ScottLoren C. Scott & Associates, Inc.Baton Rouge, LA

Ethan Christian, Kelly Christian, Maddie Christian, Ryan Christian, Dale Gaskin, Stacy Gaskin, Taylor Gaskin

Jonathan SimonFirst National Bankers BankBirmingham, AL

Holli Simon, Ann Everett Simon, Sarah Simon

Robin SlayFNBB Services Corp.Ridgeland, MS

Derwin Slay, Jo Black, Curry Parkman, Steven Parkman, Erin Purvis


23

Brian SmithSouthern Independent BankOpp, AL

Jill Hedrick

Cissy SmithBank of AnguillaAnguilla, MS

Johnny Smith, Collins Read, Grayson Read, Keri Read, Tanner Read

Howard Dee SmithWinnsboro State BankWinnsboro, LA

Tara Smith, Katy Smith

Robert SmithThe Citizens Bank of PhiladelphiaPhiladelphia, MS

Angie Smith, Chris Ishee, Elise Ishee, Jennifer Ishee, Kara Ishee, Maddax Nicholson, Lauren Nicholson, Sawyer Nicholson

Steve Smith22nd State BankEufaula, AL

Karen Smith, Clem Smith, Lilli Margaret Smith

Todd SmithFarmers Bank & Trust CompanyMagnolia, AR

Joanna Smith, Leighton Smith, Olivia Smith

Marty SnowdenCitizens Bank & Trust Co. of JacksonJackson, KY

Margaret Snowden, Olivia Snowden, Gerald Rader, Lauren Rader, Susan Rader

Kim SnyderKBS Results LLCRoanoke, VA

David Snyder

Pat SpencerFISCWest Monroe, LA

Pam Spencer, Molly Spencer, Francie Aulds, Mason Easley, Paige Easley

Katrina StephensCullman Savings BankCullman, AL

Mark Stephens, Annabelle Stephens, John Mark Stephens, Martha Taylor

Alvis StoreyMerchants & Farmers Bank of Greene CountyEutaw, AL

Betty Storey

Chevis SwetmanThe Peoples BankBiloxi, MS

Marcia Swetman, Andrew Swetman, Clark Swetman, Katherine Swetman, Tanner Swetman

Jason TennantCornerstone BankEureka Springs, AR

Allison Tennant

Chad ThomasFirst Bank of AlabamaTalladega, AL

Ben Jordan

Herbert ThomasFirst National Bankers BankLittle Rock, AR

Libby Thomas, Clayton Thomas, Nathan Thomas, Renee Thomas

Sheila TibbettsFirst National Bankers BankBaton Rouge, LA

Craig Tibbetts, Chase Tibbetts, Clacey Tibbetts, Caroline Schexnayder

Rob TrottFirst National Bankers BankLake Mary, FL

Peyton Trott, Becky Trott, John Trott

Stanley TuckerFarmers & Merchants BankLafayette, AL


24

Nancy TurnerWest Alabama Bank & TrustReform, AL

Terry Turner, Amelia Turner, Avery Turner, Adeline Stronge, Andrew Stronge, Sam Stronge

John TysonAltamaha Bank and Trust CompanyVidalia, LA

Anna Marie Tyson

Martha UnderwoodPriorityOne BankMagee, MS

Wade Underwood

Scott UseltonFirst National Bank of Middle TennesseeMcMinnville, TN

Robbie Uselton, Sydney Uselton, Anna Arbit

Peter vanLingenCentury BankLucedale, MS

Laurie vanLingen, Hallie vanLingen

Ashley VannoyFirst National Bank of Decatur CountyMiramar Beach, FL Pieter van VuurenFirst National Bank of Middle TennesseeMcMinnville, TN

Jennifer van Vuuren

Timothy VardamanFNBB Capital MarketsBirmingham, ALBrent VidrineBank of Sunset & Trust CompanySunset, LA

Celeste Vidrine, Bryson Vidrine, Jack Vidrine, Joy Daigle, Robert Pressler

Beverly WalleyBank of WigginsWiggins, MS

Elise Walley, Laura Jane Walley, Tripp Walley

Ben WatsonCross Keys BankSt. Joseph, LA

Linda Watson, Elizabeth Watson, Philip Watson

Forest WhatleyOakworth Capital BankBirmingham, AL

Leigh Whatley, Forest Whatley, Jack Cushman

Maria WilkeFNBB Capital MarketsPaducah, KY

Eddie Spraggs

Jonathan WilkersonFarmers Deposit Bank of MiddleburgLiberty, KY

Kristy Wilkerson, Carson Wilkerson, Grayson Wilkerson, Hudson Wilkerson

Prentiss WilksUnited Community BankRaceland, LA

Shanna Wilks, Elise Wilks, Prentiss Wilks, Jr., Blanche Wilks, Skeeter Wilks

Shad WilliamsCheaha BankOxford, AL

Lisa Williams, Luke Williams, Sam Williams, Shad Williams

John Williamson, IIIFNBB Capital MarketsBirmingham, AL

Rebecca Williamson, Bess Williamson, Thomas Williamson

Larry WilsonFirst Arkansas Bank & Trust Jacksonville, AR

Wendy Wilson, Ali Beth Jenkins


25


Mark WilsonFirst Arkansas Bank & TrustJacksonville, AR

Rebel Wilson, Flynn Wilson, Storm Wilson

Barry WinfordPriorityOne BankBrandon, MS

Christy Winford

Jay WisenerFirst National Bankers BankLittle Rock, AR

Tish Wisener, Gavin Bauer, Grace Bauer, Laura Karber

David WoodFirst Community BankSearcy, AR

Pam Wood

Earl Worley, Jr.KS Bank, Inc.Smithfield, NC

Melissa Worley, Will Worley

Joe ZancoHome Bank, N.A.Lafayette, LA

Ashley Zanco, Abby Zanco, Sabrina Zanco,

Jill ZimmermanFarmers-Merchants Bank & Trust CompanyBreaux Bridge, LA

Guy Zimmerman, Charli Webre, Jan Webre, Toby Webre

Jonathan ZordelUnited Southern BankHopkinsville, KY

Ella Zordel, Jon Tyler Zordel, Diane McLaughlin

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Baytowne Conference Center

27

Resort & Transporation Map

28

Hope to see you again next year.

June 14 - 18, 2020

Thank you for joining us this year!

annual summer conference and investment conference · the nightly business report, the news hour,...

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