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Sponsored by: In cooperation with:

GEORGIA BANKERS ASSOCIATION

THE SOUTHEASTERN SCHOOL OF ADVANCED COMMERCIAL LENDINGESTABLISHED IN 1994

February 18-20, 2008Loews Vanderbilt HotelNashville, Tennessee

Loews Vanderbilt HotelNashville, Tennessee

E stablished in 1994, The Southeastern School of Advanced Commercial LendingSMLendingSMLending has an ideal curriculum that meets the needs of today’s commercial lender. It is an intensive program focusing on advanced cash fl ow analysis,

advanced loan structure, pricing for profi tability, commercial real estate lending, and new approaches to managing problem loans and portfolio credit risk.

The program, with housing optional, provides instruction applicable to both com-munity and holding company bankers. Commercial lenders, relationship manag-ers, portfolio managers, senior credit managers, and others who currently are re-sponsible for or are interested in profi tably growing the bank’s loan portfolio and better managing portfolio credit risk will all benefi t from the school’s courses.

Business casual attire is the norm—the informal atmosphere lends itself not only to a more effective learning environment but also facilitates networking between bankers, another major benefi t of the school.

The Southeastern School of Advanced Commercial LendingSMThe Southeastern School of Advanced Commercial LendingSMThe Southeastern School of Advanced Commercial Lending is a part of the high-ly respected group of Southeastern Schools sponsored by the Tennessee Bankers Association in conjunction with other state bankers associations. The program’s many graduates are a testament to the real-world benefi ts gained by attending and then using the information presented. Invest in your bank’s future by enrolling in this year’s session.

Sponsored by: In cooperation with:

GEORGIA BANKERS ASSOCIATION

THE SOUTHEASTERN SCHOOL OF ADVANCED COMMERCIAL LENDINGFebruary 18-20, 2008

SM

BOARD OF TRUSTEESChairman: Donna Stone, President/CEO, First Community Bank of Bedford County, Shelbyville, TN

Vice Chairman: Greg Wingo, Executive Vice President/Senior Lender, First

Capital Bank, Germantown, TN

Past Chairman: Charles Tucker, Executive Vice President/CFO, Bank of Bartlett, Bartlett, TN

TRUSTEES:

Bruce J. Reed, Executive Vice President/Chief Credit Offi cer, Commercial Bank & Trust Co, Paris, TN

Bob Lambertson, Senior Vice President & Chief Credit Offi cer, Pinnacle Bank, Elberton, GA

David D. York, Vice President Financial Institutions, Fifth Third Bank, Nashville, TN

W. O. Jones, Senior Vice President/Director of Human Resources, BancorpSouth, Tupelo, MS

James R. Rushing, Senior Vice President, First Tennessee Bank National Association, Knoxville, TN

Thomas Bates, Jr, Executive Vice President, Legends Bank, Clarksville, TN

Elizabeth C. Brasher, Manager, Continuing Credit Education, Lender Support and Development, First Horizon National Corporation, Memphis, TN

David D. Gross, Executive Vice President/Senior Commercial Lender, Triumph Bank, Germantown, TN

Hank Stuart, Executive Vice President, Cedarstone Bank, Lebanon, TN

Donna Stone

SCHEDULEDAY ONE • Monday • 8:30 am – 5:00 pm

Cash Flow Analysis and Loan Structure• Approaches to Cash Flow• Priorities• Analyzing Cash Flow• Six Determinants of Loan Structure• Common Loan Structure Questions• Loan Agreement• Common Loan Structuring Mistakes• Case Studies

Nine Steps to Better Loan Pricing• Know What You Have to Get• Price for Risk• Price the Transaction• Recognize the Value of the Relationship• Present Benefi ts, Not Costs• What Is the Deal?• Sell the Value of the Banking and Personal Relationship• Establish a Walk-away Point• Plant, Nurture, and Prune• Pricing Portfolio vs Transactions• Pricing and Portfolio Management• Pricing Exercise

DAY TWO • Tuesday • 8:00 am – 5:00 pm

Commercial Real Estate Lending• A Broader Defi nition of Market Risk• Property Economics• Underwriting• Appraisals• Construction Lending• Lessons Learned

DAY THREE • Wednesday • 8:00 am – 3:00 pm

New Approaches to Problem Loan Management• Identifying Potential Problem Industries• Identifying Potential Problem Borrowers - Financial Statements• Identifying Potential Problem Borrowers - Management• Alternative Resolution Strategies• Decision Criteria• Managing a Bankruptcy• Case Studies

New Developments in Credit Risk Management • Evolution of Credit Risk Management• Convergence of Tools to Manage Market and Credit Risk• New Tools for Credit Risk Management• Portfolio Grooming• Predicting Portfolio Volatility

Mail application and payment to:

Tennessee Bankers Association,Attn: Susan Conley211 Athens Way, Ste 100Nashville, TN 37228-1381615/244-4871 • 800/964-5525 Fax 615/324-1992 www.TNBankers.org

Registration Information THE SOUTHEASTERN SCHOOLOF ADVANCED COMMERCIAL LENDINGSM

February 18-20, 2008Loews Vanderbilt Hotel, Nashville

• Discounted Tuition Deadline: January 25, 2008 To register online go to www.TNBankers.org• Application form requires two signatures• Application must be fi lled in completely in order to be processed• Payment in full due with application• Housing & meals not included in tuition

FACULTY John R. Barrickman , president, New Horizons Financial Group, Atlanta, GA, has extensive ex-perience teaching and lecturing on econom-ics, credit analysis, and commercial lending and

over 35 years of banking experience. He is the author of the ABA commercial loan curriculum and is the lead instructor in The Southeastern School of Commercial LendingSMLendingSMLending . Barrickman is an instructor for a number of banks and professional organizations and serves on the faculty of three of the six graduate schools of banking around the country.

Michael Hendren is senior vice president of Pinnacle Financial Partners, responsible for com-mercial real estate lending and portfolio management in Mid-dle Tennessee. He has more than 24 years of banking experience including commercial lending, commercial real estate lending, and loan rehabilitation and

work-out. Hendren is a member of the faculty of RMA, the Pacifi c Coast Banking School, and the Graduate School of Banking in Madison, WI, and has conducted real estate lending seminars for banking associa tions in Illinois, Louisiana, Michigan, and Ohio.

Mail application and payment to:

Tennessee Bankers Association,Attn: Susan Conley211 Athens Way, Ste 100Nashville, TN 37228-1381615/244-4871 • 800/964-5525 Fax 615/324-1992 www.TNBankers.org

CURRICULUMThe school features a professionally de-signed curriculum, developed by a highly respected group of bankers and profession-al educators and presented by experienced industry practitioners. Lectures, classroom exercises, and case studies combine to deliver the course material in an effective manner that can be put to use immediately upon returning to your institution.

ADMISSION / PREREQUISITESDue to the intensity of the school, admis-sion is restricted to those who have a mini-mum of three years of commercial lending experience or are graduates of The South-eastern School of Commercial LendingSM

or other comparable lending school and currently are responsible for, or interested in assuming, portfolio and risk manage-ment responsibilities. Student performance is based solely on class attendance and participation, with no examinations.

Participation in TBA programs is limited to members, associate members, and nonmem-bers from an eligible membership category at applicable member or nonmember rates.

Visit www.TNBankers.org/education/schools.htm for a link to the list of 2007 graduates

TUITION

Tuition includes instruction, classroom materials, and morning and afternoon refreshments. Cost of housing and meals is not included in tuition. The TBA offers a discounted tuition for early applicants. To qualify for the discount, TBA must receive these applications by the close of business on January 25, 2008. After January 25, standard tuition applies.

Tuition is due and payable with application. Discounted tuition deadline is January 25, 2008. Any applicant withdrawing after January 25, 2008, but before February 4, 2008, will be refunded all fees except a $150 cancellation fee. There is no refund, with the exception of extenuating circumstances, if a registrant withdraws after February 4, 2008, or fails to attend the school. Refund requests must be submitted in writing to the TBA.

CONTINUING EDUCATION CREDITGraduates qualify for 21 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No prerequisites are required for this program. Method of delivery – group live. For more information regarding administrative policies or complaints, please contact our offi ces at 615/244-4871.

Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have fi nal 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.nasba.org

Graduates may qualify for 24 hours of Certifi ed Lender Business Banker (CLBB) credit from the Institute of Certifi ed Bankers (ICB). Please make application directly with ICB.

For additional continuing education credit information, call the TBA education department at 800/964-5525 or 615/244-4871.

TBA Members / Associate Members Nonmembers

Discounted Tuition $970 $1,120

Discounted Tuition Deadline Is January 25, 2008

Standard Tuition $1,120 $1,270

Housing and meals are not included in the tuition

Brush up on your banking skills…The following programs are an excellent way to upgrade your skills and help prepare you to attend the Southeastern School that best meets your educational needs.

Essentials of Commercial LendingFebruary 21 & 22, 2008, Nashville

Introduction to Banking April 18, 2008, Nashville

Training the Credit AnalystAugust 26 & 27, 2008, Nashville

Basic Consumer Lending August 28 & 29, 2008, Nashville

Upcoming SoutheasternSchoolsConducted by the Tennessee Bankers Association

Week-long schools are held at Owen Graduate School of Management, Vanderbilt University, Nashville, TN

The Southeastern School of Consumer CreditSM

March 2-7, 2008 - Brochure available December, 2007

The Southeastern School of Commercial LendingSM

May 18-23, 2008 - Brochure available February, 2008

The Southeastern School of BankingSM

1st-year session, July 13-18, 20082nd-year session, July 20-25, 2008Brochure available March, 2008

The Southeastern School of Advanced Commercial LendingSM

Tentative: February 16-18, 2009Brochure available December, 2008

Please detach this form, fi ll in your name and address and indicate the program(s) you would like information about.

Name: _______________________________________________ E-mail _______________________________________

Company: __________________________________________ Address: _______________________________________

City: ____________________________ State: _____ Zip: _______________ ❏ I prefer E-mail copy of brochure instead of print copy.

❏ Essentials of Commercial Lending

❏ Introduction to Banking

❏ Training the Credit Analyst

❏ Basic Consumer Lending

❏ The Southeastern School of Consumer CreditSM The Southeastern School of Consumer CreditSM The Southeastern School of Consumer Credit

❏ The Southeastern School of Commercial LendingSM The Southeastern School of Commercial LendingSM The Southeastern School of Commercial Lending

❏ The Southeastern School of BankingSM The Southeastern School of BankingSM The Southeastern School of Banking

❏ The Southeastern School of Advanced Commercial LendingSM Commercial LendingSM Commercial Lending (2009)

MAIL TO:Susan Conley, Education DepartmentTennessee Bankers Association211 Athens Way, Ste 100Nashville, TN 37228-1381

CUT HERE

FOR OFFICE USE ONLY

Date Received _______________Ck. No. ______________Acknowledged _______________Accepted ____________

Discounted Tuition Deadline: January 25, 2008

This Application Requires Two Signatures - I have read the admission requirements and desire to enroll in the school. In applying for admission, I understand that I will be expected to attend all classes, to prepare assigned work, and to abide in all respects to the standards established by the school. I agree to the code of ethics set forth by the school. I authorize the school to release my completion status to the management of my institution upon written request from my CEO or nominating offi cer.

Applicant’s Signature ________________________________________________________ Date ________________The bank has approved submission of this application. The signature of the president, department head, personnel

offi cer, or other executive authorized by the bank is required for the application to be complete.

Nominating Officer’s Signature ________________________________________________ Date ________________

Nominating Officer’s Name ___________________________________________________ Title _________________(Please type or print. “Same as above” if applicant is CEO or president.)

This institution does not discriminate with regard to race, religion, gender, or age.

Payment in full is due with applicationPlease charge registration fee to: ❏ VISA ❏ MasterCard ❏ Check Ck#___________

Card # ________________________________________ Exp Date ________________

Name as it appears on card (please print) ____________________________________________________________

Card billing address ___________________________________City ________________ State _____Zip __________

Signature ______________________________________________________________________________________

Professional Information

Position in Bank1 CEO2 Relationship Manager3 Senior Commercial Lender4 Portfolio Manager5 Senior Credit Manager6 Other Specify:________________

1 CEO2 Relationship Manager3 Senior Commercial Lender4 Portfolio Manager5 Senior Credit Manager6 Other S

Education Background(Check Highest Level Achieved)Education Background(Check Highest Level Achieved)Education Background

1 High School2 Some College3 Associate Degree4 Bachelor’s Degree5 Graduate Degree

1 High School2 Some College3 Associate Degree4 Bachelor’s Degree5 Graduate Degree

Total Years of Banking Experience(Check One Box Only)Total Years of Banking Experience(Check One Box Only)Total Years of Banking Experience

1 Less than 1 year*2 1–5 years*3 6–10 years4 11–20 years5 Over 20 years

1 Less than 1 year*2 1–5 years*3 6–10 years4 11–20 years5 Over 20 years

Size of Bank (Assets)(Check One Box Only)

1 Under $50 million2 $50–$100 million3 $101–$500 million4 $501 million to $1 billion5 Over $1 billion6 Other

1 Under $50 million2 $50–$100 million3 $101–$500 million4 $501 million to $1 billion5 Over $1 billion6 Other

Bank Structure1 Community2 Affi liate/Bank Holding Company3 Other

1 Community2 Affi liate/Bank Holding Company3 Other

Size of Bank’s Loan Portfolio(Check One Box Only)

1 Under $1 million2 $1–$5 million3 $6–$10 million4 $11–$50 million5 $51–$100 million6 Over $100 million

1 Under $1 million2 $1–$5 million3 $6–$10 million4 $11–$50 million5 $51–$100 million6 Over $100 million

*Any bank experience and/or com-mercial lending experience

less than 3 years requires written documentation from the CEO

or the nominating offi cer support-ing the request to

waive this prerequisite.

Total Years of Commercial Lending Experience(Check One Box Only)Total Years of Commercial Lending Experience(Check One Box Only)Total Years of Commercial Lending Experience

1 Less than 1 year*2 1–5 years*3 6–10 years4 11–20 years5 Over 20 years

1 Less than 1 year*2 1–5 years*3 6–10 years4 11–20 years5 Over 20 years

Applicant InformationName _______________________________________ Nickname __________________ SS# ________________________SS# ________________________SS#

Title ________________________________ E-mail ___________________________________ Date of Birth ___________

Bank Name _________________________________________________________ Bank Phone _____________________

Bank Address _______________________________________ City ____________________City ____________________City State _____ Zip ___________

Correspondence Address ______________________________ City ____________________City ____________________City State _____ Zip ___________

EducationHigh School/Prep ____________________________________________________________________________________

College ____________________________________________________________________________________________

Graduate School/Banking School ___________________________________________________________________________

Other Relevant Training ________________________________________________________________________________

___________________________________________________________________________________________________

Housing - Rates for housing listed below apply only if TBA reserves your accommodations. TBA will bill you for your housing charges.

Do you wish the TBA to reserve a room for you at the Loews Vanderbilt Hotel? ❏ Yes ❏ NoIf yes, please indicate which nights you will stay:

❏ Sunday, Feb 17 ❏ Monday, Feb 18 ❏ Tuesday, Feb 19

❏ Double .............$110 per night/person ❏ Single / No roommate ......... $165 per night

Background information is helpful when assigning housing

❏ Smoker ❏ Nonsmoker / ❏ Male ❏ Female

Roommate preference:__________________________________(Roommate requests are accommodated when possible)

(For tracking grades)

Name of Year Degree Received Education Name of Year Degree Received Education School Graduated (if any) MajorEducation School Graduated (if any) MajorEducation

TuitionTuition in full is required with this application. Cost of housing and meals is not included in tuition. TBA cannot accept applications after February 4, 2008.

Any applicant withdrawing after January 25, 2008, but before February 4, 2008, will be refunded all fees except a $150 cancellation fee. There is no refund, with the exception of extenuating circumstances, if a registrant withdraws after February 4, 2008, or fails to attend the school. Refund requests must be submit-ted in writing to the TBA.

Mail application and payment to: Tennessee Bankers AssociationAttn: Susan Conley211 Athens Way, Ste 100Nashville, TN 37228-1381 615/244-4871 • 800/964-5525 • Fax 615/324-1992 • www.TNBankers.org

Make checks payable to Tennessee Bankers Association.

Application for Admission THE SOUTHEASTERN SCHOOL OF ADVANCED COMMERCIAL LENDINGSM

February 18-20, 2008 • Loews Vanderbilt Hotel, Nashville

TBA Members / Associate Members Nonmembers

Discounted Tuition $970 $1,120

Discounted Tuition Deadline Is January 25, 2008

Standard Tuition $1,120 $1,270

Lodging and meals are not included in the tuition

Register online at www.TNBankers.org