brings the Emerald Leadership Division City Emerald Resort ... · Pkwy, Destin, FL 32550 (sometimes...

Emerald Ci ty to the

Emerald Coast !

brings the

Friday-Monday, June 12-15, 2015

Sandestin Golf & Beach Resor t , Destin , FL

Leadership Divis ion Convention

& Mini-Trade Show

37TH ANNUAL

CONFIRMATION PACKET

Community Bankers Association of Georgia

35th Annual Leadership Division Convention & Mini-Trade ShowJune 20 - 23, 2013 Omni Amelia Island Plantation Resort, FloridaCommunity Bankers Association of Georgia

June 12-15, 2015 Sandestin Golf & Beach Resort, Destin, Florida37 th Annual Leadership Division Convention & Mini-Trade Show

We look forward to seeing you at the beach!

All CBA meetings and dining functions are RESORT CASUAL ATTIRE. Registered spouses, guests and children are invited to the Sunday evening event. If you would like your guests/family to attend this event, they must be registered. Please contact the CBA as soon as possible to register additional reception/dinner attendees if applicable. Additional charges may apply.

Unless specified otherwise, functions are being held in the Baytowne Conference Center located in The Village at Baytowne Wharf (see following pages for more information).

IMPORTANT REMINDERS:

Participants are responsible for their own travel and hotel arrangements. If you have not already reserved your room, please do so by calling the Sandestin reservation line at (800) 320-8115. If you have any difficulty or questions, please go ahead and make your reservation, then contact Peake Wilson at [email protected] or (770) 541-0379/(800) 648-8215. If you have already made your reservation, please verify it with the hotel and make note of your confirmation number.

Note: Upon arrival at the security gate, notify attendant you are checking in at The Village. You will check in at the main building of The Village at Baytowne Wharf- The Grand Sandestin. A map of this portion of the resort is included in this packet.

If you are staying in a different section of the resort, you may need to check in at a different location. Please contact the resort for more information.

1900 The Exchange, Suite 600 • Atlanta, GA 30339PHONE (770) 541-4490/ (800) 648-8215 • FAX (770) 541-4496 • www.cbaofga.com

Thank you for registering for the Leadership Division Convention & Trade Show. This packet includes helpful information to help you make the most of your time in Sandestin.

Destin, FL is in the Central Time Zone.




Visit the following website for more information:www.sandestin.com

ACTIVITIES/MISCELLANEOUS - Please find enclosed in this packet, information and forms for various items. Return all to CBA by June 1st.

BEST PLACE FOR INFORMATION - To obtain the most accurate information on current weather and temperatures, please utilize the following website: www.weather.com. For information regarding Sandestin, access the hotel’s website at www.sandestin.com. Please visit the Destin Chamber of Commerce at www.destinchamber.com/visit for general information on the Destin area.

CANCELLATION POLICIES - Hotel cancellation must be received 7 or more days prior to date of arrival. If a room cancellation is received within the 7-day period, a one night’s room charge will apply. Attendee Cancellation Policy: Attendee substitutions are allowed. Cancellations and/or changes must be received in writing. For cancellations received on or between March 12 and May 11, 2015, 50% credit will be issued. No credit will be issued for cancellations received on or after May 12, 2015. Exhibitor Cancellation Policy: Substitutions are allowed. Cancellations and/or changes must be received in writing. No credit will be issued for cancellations received on or after March 12, 2015.

DINING, SPA & AREA ACTIVITIES - Please visit www.sandestin.com for a list of the resort’s dining establishments, as well as information on the resort’s spa facility, fitness center and activities. To obtain information on Destin area restaurants, visit www.destinchamber.com/Restaurants. The Sandestin concierge will also have a listing of recommended area restaurants and activities for your convenience. The concierge desk can be reached by calling (850) 351-3917. A few on-property and area restaurants are listed in this packet.

DRESS - All meetings and dining functions are RESORT CASUAL including the Chairman’s Family Reception and Dinner on Sunday evening. There is no dress code for the Resort itself; however, Segars, located on Sandestin property inside the Hilton, requires more upscale attire. The other dining establishments accept casual attire (shirts and shoes required in all).

BEACHTIME - 2 chairs and an umbrella can be rented for $40 per day billable to your room.

HOTEL - Phone: (800) 277-0800; Reservations: (800) 320-8115; GPS Address: 9300 Emerald Coast Pkwy, Destin, FL 32550 (sometimes listed as Miramar Beach, FL).

ON PROPERTY PURCHASES - Please note, not all vendors are owned and operated by Sandestin, and purchases may not always be billable to your room.

GRATUITIES - Gratuities for hotel bellmen, housekeeping services and parking attendants are at one’s own discretion.

UPON ARRIVAL - After hotel check-in, proceed to the CBA Registration/Information Desk located in the Azalea Foyer, on 2nd level, of the Baytowne Conference Center where you will receive your registration packet and personalized name badges, as well as have an opportunity to reconfirm your activity selections. Please wear your name badge to all group activities as a courtesy to your fellow travelers and to identify yourself as a CBA guest. Please check the enclosed agenda for CBA Registration/Information Desk hours. You are encouraged to bring an ample supply of your business cards. You will use them to enter yourself in some fantastic “giveaway” drawings.

PARKING - Self parking for The Village at Baytowne Wharf is included in the daily resort fee.

WEATHER/TEMPERATURE - The average June daytime temperature ranges mid to high 80s. Temperatures in the evenings range low to mid 70s. Rainfall in the Destin area is sporadic with occasional pop-up showers or quick moving storms. Please visit www.weather.com for up-to-date information. Based on resort layout, it is recommended you bring an umbrella.

General Information




AgendaFriday, June 122:00 - 5:00 p.m. Convention Registration Azalea Foyer 2:30 - 5:00 p.m. Exhibitor Set-Up Azalea Ballroom 3:30 - 5:00 p.m. Leadership Division Board of Directors Meeting Camellia 1 Dinner at your leisure

Saturday, June 13 7:00 a.m. – 12:15 p.m. Information Desk Azalea Foyer7:00 – 7:30 a.m. Exhibitor Set-Up Azalea Ballroom 7:30 – 8:15 a.m. Hot Breakfast Buffet with Exhibitors Azalea Foyer

8:15 – 8:20 a.m. Welcome Remarks Azalea Ballroom Rusty Powell, Group Vice President, Highland Commercial Bank, Marietta; LD Chairman Emcee, David Peterson, Chief Strategic Officer, i7strategies, Hahira

8:20 – 9:00 a.m. Banker/Regulator Point-Counterpoint Azalea Ballroom Moderated by Michael White, of Counsel, James-Bates-Brannan-Groover, LLP, Macon Mike Dean, Regional Director, FDIC, Atlanta Steve Pleger, Senior Deputy Commissioner, Ga DBF, Atlanta Debra Weil, City President, PlantersFIRST, Fitzgerald Chuck Harwell, Executive Vice President/Chief Credit Officer, Community Bank of Dublin-Laurens County 9:00 - 11:00 a.m. Mini-Trade Show Azalea Ballroom 11:00 - 11:25 a.m. Networking Break Azalea Ballroom

11:25 a.m. – 12:15 p.m. “Future Freak: Techs Transforming Financial Services” Azalea Ballroom Lee Wetherington, Director of Strategic Insight, ProfitStars, Hahira

12:15 p.m. Cash Prize Drawing / Closing Remarks / Adjourn Azalea Ballroom

1:30 p.m. Julian Hester Memorial Golf Tournament The Baytowne Golf Club Registration required; shotgun start at 1:45 p.m., boxed lunches & prizes included.

EVENING FREE




Sunday, June 14 6:00 – 6:30 a.m. 5K – PAC/PR Fundraiser Meet in The Grand Sandestin Lobby by 6:00 a.m.6:45 – 7:15 a.m. Kids’ Fun Run – Children’s Healthcare Fundraiser

7:15 a.m. – 12:15 p.m. Information Desk Azalea Foyer7:30 – 8:15 a.m. Continental Breakfast with Hot Item Azalea Ballroom

8:15 – 8:20 a.m. Opening Remarks Azalea Ballroom Emcee, David Peterson

8:20 – 9:15 a.m. "The Wizard May Grant Your Wish!" Sources of Non-Interest Income Azalea Ballroom Dan Harbison, President & CEO, Farmers National Bank, Bowling Green, KY / Instructor, LSU Graduate School of Banking

9:15 – 9:30 a.m. Break

9:30 – 10:30 a.m. "We’re Not in Kansas Anymore." Azalea Ballroom How Community Financial Institutions are Surviving the Compliance Burden Pam Perdue, EVP/Regulatory Insight, Continuity, Washington, D.C.

10:30 – 10:45 a.m. Break

10:48 – 10:55 a.m. "7-Minute Spotlight" – ATM Response Azalea Ballroom (Bankers: your chance to win $1000 in cash!)

10:55 – 11:05 a.m. LD Board Reports / Update on LD Initiatives / Board Nominations

11:05 – 11:15 a.m. Golf & Run Awards/ Mini-Trade Show Drawing Azalea Ballroom

11:15 a.m. – 12:15 p.m. Keynote Address Azalea Ballroom “Human Potential: A State of Mind” Col. Ed Hubbard (Former Vietnam POW), Fort Walton Beach, FL

12:15 p.m. Cash Prize Drawing / Closing Remarks / Adjourn Azalea Ballroom

AFTERNOON FREE

6:00 – 6:45 p.m. Chairman’s Family Reception & Activities Azalea Foyer

6:45 – 8:15 p.m. Chairman’s Family Dinner Azalea Ballroom Annual LD Awards / Big Bucks Bonanza Drawing / Farewell & Acceptance Speeches

8:15 – 9:15 p.m. Family Entertainment Azalea Ballroom Don Friesen, Comic, South Pasadena, CA

Monday, June 15

DEPARTURES

Agenda (Continued)




Resort Map




Village at Baytowne Wharf Property Map

Hotel Parking




Baytowne Conference Center Floorplan




Since January 2014, the Sandestin Welcome Center has been taking shape – and all the hard work is almost complete! The newest asset to Sandestin Golf and Beach Resort will officially open in December and will provide a multitude of services under one roof for resort guests and Rental Owners. The $7.5 million, 40,000 square foot Welcome Center will serve as the primary location for guest registration, but will also centralize resort operations creating an efficient and convenient experience for all.

“We are all looking forward to occupying our new facility as it will serve as a billboard for the ‘new Sandestin,’” said Tom Becnel, chairman of Sandestin Investments. “While a convenient focal point for our guests and customers, it also serves as a symbol of our commitment for smart growth and development while enhancing the overall Sandestin experience.”

The three-story Sandestin Welcome Center was designed by Piazza Design Architects and features a spacious, two-story lobby area with majestic views of Choctawhatchee Bay and a signature water fountain. Those entering the facility will also notice the iconic Sandestin sand dollar imprinted on the lobby floor, a symbol of our welcoming all to the picturesque Emerald Coast. Guests will also enjoy the latest technology with dynamic

NEW WELCOME CENTER REINFORCES SANDESTIN COMMITMENT TO OWNERS AND GUESTS

touch screen digital displays providing a unique orientation to the 2,400-acre Sandestin Golf and Beach Resort.

A spacious third floor “L” shaped balcony features a decorative gazebo area with amazing views of the bay, marina and the Grand Sandestin – a premier venue soon to be hailed as the best new event location on the Emerald Coast for weddings, receptions, parties, private gatherings, and more.

“We are extremely excited to open the new Welcome Center and create an even better first impression of the resort for our guests and Rental Owners,” said Mark Hodgdon, Senior Vice President and General Manager of Sandestin Golf and Beach Resort. “We are very proud of what this structure represents and we look forward to welcoming everyone that passes through its doors.”

The new Sandestin Welcome Center is located on the northeast corner of Highway 98 and Sandestin Boulevard, at the main north gate entrance of the resort. While the facility will serve as the main check-in point for Guest Registration, it will also be the base for multiple resort departments under one roof including: Accounting, Front Office, Human Resources, Rental Owner Relations, Reservations, Retail, Sales and Marketing, and Sandestin Real Estate (SRE).

Children's Healthcare Fundraising

Leadership Division Representatives have been supporting Children's Healthcare for many years, raising nearly $450,000. The goal for this year is to raise $45,000 which will

go to the Strong4Life program. Each bank is asked to hold a fundraiser, purchase Big Bucks Bonanza tickets or simply send a donation to CBA made payable to Children's Healthcare. Please send your donation and Big Bucks Bonanza tickets to the CBA

office by June 1st.

It’s that time of year again…Time to be thinking of who you

are going to nominate for 2015 Leadership Division

Representative of the Year. Keep in mind the honoree is nominated by fellow Leadership Division Representatives, and the judging is based on the individual’s participation with PAC/PR golf tournaments, Children’s Healthcare fundraising, scholarship challenge, and enthusiasm in CBA and Leadership Division activities and events.

Please take a moment to recognize an outstanding individual who’s making a difference in Georgia. The winner will be announced at the 37th Annual Leadership Division Convention & Mini-Trade Show, June 12-15, 2015.

Leadership Division Representative of the YearNomination Form

I would like to nominate the following individual for the2015 Leadership Division Representative of the Year:

Name: _______________________________________________________________________

Bank: ________________________________________________________________________

City: _________________________________________________________________________

List what you feel are their qualifications:

_____________________________________________________________________________

_____________________________________________________________________________

____________________________________________________________________________

____________________________________________________________________________Return By Fax, Email, or Mail To:

Attn: Peake WilsonCommunity Bankers Association of Georgia

1900 The Exchange, Suite 600, Atlanta, GA 30339FAX (770) 541-4496

[email protected]

Nominated By: (Name) ______________________________________________________Bank & City: ______________________________________________________________

Please return by June 1, 2015!




Yes, register me for the Golf Tournament. Name & Bank/Company: ____________________________________________________________ If possible please pair me with: ______________________________________________________

Requests for pairings/foursomes must be made prior to June 1st. No refunds are available for cancellations taken on or after June 1, 2015. Your golf registration fee includes the following: range balls, cart rental, greens fee, boxed lunch and beverage tickets. Foursomes will be assigned on a first-come, first-served basis, so please return this completed form by June 1st!

Julian Hester Memorial Golf TournamentSaturday, June 13, 2015

Preliminary List of Golfers

The Baytowne Golf Club1:45 p.m. Shotgun Start - Scramble Format - Boxed Lunch - Prizes

Thank you to our Golf Prizes Sponsor

The registration fee is $85 per player.

Return By Fax, Email, or Mail To: Attn: Peake Wilson

Community Bankers Association of Georgia1900 The Exchange, Suite 600, Atlanta, GA 30339

FAX (770) 541-4496 | [email protected]

Company City Name Alma Exchange Bank & Trust Alma Thomas BennettBank of Dawson Albany Ty BettisBASYS Processing Lenexa, KS Brady HannaBASYS Processing Lenexa, KS Drew PetersonCitizens Bank of Americus Americus Danny AdkinsCommunity Bank of Dublin-Laurens County Dublin Chuck HarwellCommunity Bankers Assoc. of Georgia Atlanta Steven RigdonCompensation Advisors Greensboro Joseph LlewellynComputer Services, Inc. Paducah, KY David KnieriemComputer Services, Inc. Paducah, KY Dave McOlganCummins-Allison Corporation Cartersville Cleve CarlileCummins-Allison Corporation Cartersville Ed WehuntDrew Eckl & Farnham, LLP Atlanta Myles LevelleFirst National Bankers Bank Marietta Chad WilsonFoothills Community Bank Dawsonville Mike UnderwoodGA Resource Capital, Inc. Suwanee Matt EicholtzGA Resource Capital, Inc. Suwanee Tim SoutherHighland Commercial Bank Marietta Rusty PowellInvestment Professionals Inc. Little Rock, AR Steven RansdellJames-Bates-Brannan-Groover, LLP Macon Michael WhiteSHAZAM Birmingham, AL Mark FucciThe Citizens Bank of Cochran Cochran Matt FordhamThe Peoples Bank Willacoochee Jonathon GuthrieTriad Financial Services, Inc. Jacksonville, FL Robert Larison(Spouse) Fitzgerald Mike Weil




Preliminary List of Runners

5K/Kids' Fun RunSunday, June 14, 2015

Meet in the Grand Sandestin Lobby~ Event takes place in the Baytowne Wharf area~

6:00 a.m. - 5K | 6:50 a.m. - Kids' Fun Run

Please return this completed form by June 1st!Return By Fax, Email, or Mail To:

Attn: Peake WilsonCommunity Bankers Association of Georgia

1900 The Exchange, Suite 600, Atlanta, GA 30339 | FAX (770) 541-4496 | [email protected]

The advance registration fee is $20 per runner. Onsite registration is $25 per runner. Adult 5k proceeds benefit CBA’s PAC, and Kids' Fun Run proceeds benefit Children’s Healthcare of Atlanta’s Strong4Life program.All registration fees include bottled water and one event t-shirt per runner. Prizes will be awarded to the first place male and female in both the Adult 5K and the Kids' Fun Run.

Name & Bank/Company: _______________________________________________________________________________________

Names of Runners (provide age for children 17 & under only):

T-Shirt Size (please circle): Youth: S M L XL Adult: S M L XL XXLName & Age:

T-Shirt Size (please circle): Youth: S M L XL Adult: S M L XL XXLName & Age:

Yes, register me for the 5K. Yes, register my child(ren) for the Fun Run.

Thank you to our 5K/Kids' Fun Run Premier Sponsor

Thank you to our 5K/Kids' Fun Run General Sponsors:

Shazam | Bank of Dawson | Fiserv Hutchins Clenney Rumsey Huckaby, PC

James Bates | LoanSouth Mortgage Cresent Mortgage | ATM Response

Harland Clarke

Please duplicate this form for more than 2 runners.

Company City NameHarland Clarke Decatur Doyle BakerBank of Dawson Albany Ty Bettis Albany Harren Bettis, 12 Albany Smith Bettis, 12 Suwanee Sarah Braswell, 16 Suwanee Claire Holcomb, 16First Landmark Bank Marietta Terri Bunten Guthrie Marietta Jim GuthrieSHAZAM La Porte City, IA Darrell DeWinterGA Resource Capital, Inc. Suwanee Matt EicholtzFHLBank Atlanta Atlanta Omar Esposito Atlanta Ericka Esposito Atlanta Sophia Esposito, 4 Atlanta Nicolas Esposito, 2HeritageBank of the South Albany Heath FountainGA Resource Capital, Inc. Suwanee Carl FranzmanSHAZAM Birmingham, AL Mark FucciOconee State Bank Watkinsville Kristi Greer Watkinsville Kelli Powell Watkinsville Ali Powell, 13 Watkinsville Leah Powell, 8Farmers & Merchants Bank Eatonton Powell Griffith Eatonton Beth Griffith Dublin Robin Harwell Suwanee Parker Pack, 14 Suwanee Preston Pack, 12Nelson, Mullins, Riley & Scarborough Atlanta Brennan RyanFirst National Bank of Coffee County Douglas Adam SmithGA Resource Capital, Inc. Suwanee Tim SoutherUnited Community Bank Ellijay Jamie Tallent Macon Mackenzie White, 17 Macon Mei Mei White, 11




The Leadership Division of the Community Bankers Association of Georgia is especially grateful to the following companies for their generous sponsorship of the 37th Annual Leadership Division Convention & Mini-Trade Show.

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Platinum Silver

Signs provided by

5K/Fun Run Premier Sponsor

General Sponsors

5K/Fun Run General Sponsors

JB

JBBoard Appreciation Dinner Hotel Key Cards

& Board Meeting

Registration Packet & Saturday Networking Break

Convention Totes

Family Entertainment

In-Room Gifts & Name Badges

Saturday Cash Prize, Sunday Cash Prize & Welcome Refreshments Convention Program &

Front Nine Golf Sponsor

Individual Event Sponsors

Sunday Break

Bottled Water

7-Minute Spotlight

WiFi Password

Keynote Speaker Sponsor

Photo Booth

Board Appreciation Reception

Golf Tournament Prizes

Platinum Elite




List of Exhibitors

Table # Company Name City Category 1 Federal Reserve Bank Brenda Simpson Atlanta, GA Federal Reserve System

2 PULSE Mark Reda Tampa, FL Debit Network Program

3 Atris Technology Scott McElhiney Gainesville, FL Data Processing Services

4 ACG Phil Winn Alpharetta, GA ATM Services

5 Ellie Mae, Inc. Cedric Kalvesmaki Pleasonton, CA Mortgage Services

6 Harland Clarke Doyle Baker Atlanta, GA Check Printing

7 CSRA Business Lending Randy Griffin Augusta, GA Financial Services

8 BankSmart Jim Wilkson Clearwater, FL Bank Management Consulting

9 Crescent Mortgage Ashli Matson Atlanta, GA Mortgage Services

10 BASYS Processing Brady Hanna Lenexa, KS Merchant Services Processing

11 Saltmarsh, Cleaveland & Gund Alex Hager Pensacola, FL CPA Firms

12 GA Resource Capital, Inc. Tim Souther Suwanee, GA Alternative Funding

13 Investment Professionals Inc. (IPI) Steven Ransdell San Antonio, TX Financial Services

14 Auburn University Accounting Online Amy Murphy Auburn, AL Education

15 DeNyse Companies Tim Luther Douglasville, GA Signage

16 CRS Data Kirsten Elkins Knoxville, TN Lien Search & Filing

17 NYMBUS Alexander Lopatine Miami Beach, FL Processing/Technology

18 WebEquity Solutions Andrew Ross Omaha, NE Software

19 Computer Services, Inc. David Knieriem Paducah, KY Data Processing Services

20 SHAZAM, Inc. Mark Fucci Alabaster, AL Debit Network Program

21 Cummins-Allison Corporation Cleve Carlile Cartersville, GA Bank Management Consulting

22 Intercept Consulting Group Steven Roberts Lawrenceville, GA Bank Management Consulting

23 Travelers Laura Hipp Alpharetta, GA Insurance Services

24 TJS Deemer Dana LLP Grayson Dent Savannah, GA CPA Firms

25 Barret School of Banking Chris Kelley Memphis, TN Banking Education

26 ATM Response Clayton Braswell Suwanee, GA ATM Services

27 Dell SecureWorks Jamie Kirkland Atlanta, GA Internet Consulting

28 First Data Emily Scott Atlanta, GA Internet Banking

29 Triad Financial Services, Inc. Robert Larison Jacksonville, FL Consumer Lending

30 Warren Averett, LLC Marlene McCain Birmingham, AL CPA Firms




Bank/Company City Name

Preliminary List of Attendees

ACG, Inc. Alpharetta Phil WinnACG, Inc. Alpharetta Tracy DobsonAlma Exchange Bank & Trust Alma Thomas BennettATM Response Suwanee Clayton Braswell Suwanee Sarah Braswell, 16 Suwanee Claire Holcomb, 16ATM Response Suwanee Jim Pack Suwanee Christine Pack Suwanee Parker Pack, 14 Suwanee Preston Pack, 12Atris Technology Gainesville, FL Scott McElhineyAuburn University School of Accountancy Auburn, AL Amy MurphyAuburn University School of Accountancy Auburn, AL Andee HodoBank of Dawson Albany Ty Bettis Albany Raines Bettis Albany Harren Bettis, 12 Albany Smith Bettis, 12Bank of Terrell Dawson Kevin Massey Dawson Anna Massey Dawson William Massey, 9 Dawson Annalea Massey, 7 Dawson Dale McNeaseBankSmart Clearwater, FL Jim WilksonBarret School of Banking Memphis, TN Chris KelleyBASYS Processing Lenexa, KS Brady HannaBASYS Processing Lenexa, KS Drew PetersonCapital Bank Fort Oglethorpe James Taylor Fort Oglethorpe Alisan TaylorCash Transactions LLC Austell Fred Ethridge Austell Lisa EthridgeCitizens Bank of Americus Americus Danny Adkins Americus Lisa AdkinsCommunity Bank of Dublin-Laurens County Dublin Chuck Harwell Dublin Robin HarwellCommunity Bank of Fitzgerald Fitzgerald Corey Gibbs Fitzgerald Mandy DenneyCommunity Bankers Assoc. of Georgia Atlanta Rob Braswell Atlanta Amy BraswellCommunity Bankers Assoc. of Georgia Atlanta Lindsay Greene Atlanta Larry Greene Atlanta Joseph Greene, 12Community Bankers Assoc. of Georgia Atlanta Tammy MaassCommunity Bankers Assoc. of Georgia Atlanta Steven Rigdon Atlanta Tina Rigdon Atlanta Ramsey Rigdon, 17 Atlanta Leah Rigdon, 13Community Bankers Assoc. of Georgia Atlanta Peake Wilson Atlanta John Wilson Atlanta Sidney Wilson, 15






Community National Bank Rossville Chris Hunt Rossville Fonda HuntCompensation Advisors Greensboro Joseph LlewellynComputer Services, Inc. Paducah, KY David KnieriemComputer Services, Inc. Paducah, KY Dave McOlganContinuity Washington, DC Pam PerdueCrescent Mortgage Company Atlanta Ashli MatsonCRS Data Knoxville, TN Kirsten ElkinsCRS Data Woodstock Jason PruittCSRA Business Lending Augusta Randy GriffinCummins-Allison Corporation Cartersville Cleve CarlileCummins-Allison Corporation Cartersville Ed WehuntDell SecureWorks Atlanta Jamie KirklandDeNyse Companies Douglasville Tim Luther Douglasville Diane LutherDeNyse Companies Douglasville Allen DeNyse Douglasville Jennifer DeNyseDrew Eckl & Farnham, LLP Atlanta Myles LevelleDrew Eckl & Farnham, LLP Macon Vivian FisherDurden Banking Co., Inc. Twin City Jim Cowart Twin City Sondra Cowart Twin City Zach Cowart, 17 Twin City Abigail Cowart, 15Ellie Mae, Inc. Pleasonton, CA Cedric KalvesmakiFamily Bank Bainbridge Chip Davis Bainbridge Sylvia Davis Bainbridge Ivey Davis, 14 Bainbridge Railey Davis, 12Farmers & Merchants Bank Eatonton Powell Griffith Eatonton Beth GriffithFarmers State Bank Lincolnton Maria Bradford Lincolnton Bill BradfordFDIC Atlanta Mike DeanFDIC Atlanta Daniel HaleyFederal Reserve Bank of Atlanta Lake Spivey Brenda SimpsonFHLBank Atlanta Atlanta Omar Esposito Atlanta Ericka Esposito Atlanta Sophia Esposito, 4 Atlanta Nicolas Esposito, 2First American Bank & Trust Athens Sam Drennen Athens Susanna Drennen Athens Emma Drennen, 4 Athens James Drennen, 4First Bank Mortgage Augusta Vicki BlumFirst Bank of Dalton Dalton Kyle Ray Dalton Marnie Ray Dalton Mary Ray, 18 Dalton Bennett Ray, 14 Dalton Lucy Ray, 9






First Data Corporation Austin, TX Rodrigo CazaresFirst Data Corporation Atlanta Emily ScottFirst Landmark Bank Marietta Terri Bunten Guthrie Marietta Jim GuthrieFirst National Bank of Coffee County Douglas Adam Smith Douglas Amanda Smith Douglas Scott Smith, 3First National Bankers Bank Marietta Chad Wilson Marietta Angie Wilson Marietta Jake Wilson, 15Flint Community Bank Albany Jason Rooks Albany Amanda Rooks Albany Preston Rooks, 6 Albany Calley Rooks, 3Foothills Community Bank Dawsonville Mike Underwood Dawsonville Karen UnderwoodGA Department of Banking & Finance Atlanta Steve PlegerGA Resource Capital, Inc. Suwanee Tim Souther Suwanee Julie SoutherGA Resource Capital, Inc. Suwanee Matt Eicholtz Suwanee Lori Beth EicholtzGA Resource Capital, Inc. Suwanee Carl Franzman Suwanee Lisa FranzmanGraduate School of Banking Bowling Green, KY Dan HarbisonHarland Clarke Decatur Doyle Baker Decatur Lisa Baker Decatur Jack Baker, 7 Decatur Vivian Baker, 3 Decatur Brick Baker, 1HeritageBank of the South Albany Heath Fountain Albany Stephanie Fountain Albany Whatley Fountain, 5 Albany Nobie Fountain, 1Highland Commercial Bank Marietta Jim Powell Marietta Laura PowellHighland Commercial Bank Marietta Rusty Powell Marietta India Powell Marietta Ryder Powell, 1i7strategies Hahira David PetersonIntercept Consulting Group Lawrenceville Steven RobertsInvestment Professionals Inc. Little Rock, AR Steven Ransdell Little Rock, AR Katie Ransdell Little Rock, AR Carsen Ransdell, 10 Little Rock, AR Maggie Ransdell, 8 Little Rock, AR Sullivan Ransdell, 3James-Bates-Brannan-Groover, LLP Atlanta Dan Brannan






James-Bates-Brannan-Groover, LLP Macon Michael White Macon Kelley White Macon Keegan White, 22 Macon Mackenzie White, 17 Macon Mei Mei White, 11LaGrange Banking Company LaGrange Casey Smith LaGrange Charles Smith LaGrange Shaylee Smith, 13 LaGrange Mary Aislyn Smith, 10 LaGrange Cayla Worthy, 10 LaGrange Chloe Worthy, 8LoanSouth Mortgage Atlanta Carol MartinNelson, Mullins, Riley & Scarborough Atlanta Brennan RyanNewton Federal Bank Covington Greg Proffitt Covington Betsy Proffitt Covington Brantley Proffitt, 17 Covington Ellie Proffitt, 14NYMBUS Miami Beach, FL Alexander LopatineNYMBUS Miami Beach, FL Mario GarciaOconee State Bank Watkinsville Kristi Greer Watkinsville Kelli Powell Watkinsville Ali Powell, 13 Watkinsville Leah Powell, 8Peach State Bank & Trust Gainesville Terry Baker Gainesville Tammy Baker Gainesville Katie Baker, 19 Gainesville Emily Baker, 17 Gainesville Clay Baker, 15PlantersFIRST Cordele Eli Tinsley Cordele Julie TinsleyPlantersFIRST Ocilla Jake Walters Ocilla Kristy WaltersPlantersFIRST Fitzgerald Debra Weil Fitzgerald Mike WeilProfitStars Hahira Lee WetheringtonPULSE Houston, TX Jennifer MattePULSE Tampa, FL Mark RedaSaltmarsh, Cleaveland & Gund Pensacola, FL Alex HagerServisFirst Bank Macon Rik Lane Macon Kristen Lane Macon Rhett Lane, 9 Macon Jack Lane, 7SHAZAM Birmingham, AL Mark FucciSHAZAM La Porte City, IA Darrell DeWinterSouthern Financial Systems Lakeland Matt HowellSouthern Financial Systems Lakeland Franklin Patten Lakeland Andrew Patten, 18 Lakeland Maggie Patten Lakeland Frankie Patten Lakeland Katie Patten






State Bank & Trust Company Macon John Willis Macon Kathryn Willis Macon Ginsey Willis, 3Stokes Lazarus & Carmichael LLP Atlanta Michael Ernst Atlanta Marcie ErnstThe Citizens Bank of Cochran Cochran Matt FordhamThe Commercial Bank Crawford Andy Thomas Crawford Christy ThomasThe Peoples Bank Willacoochee Jonathon GuthrieTJS Deemer Dana LLP Dublin Grayson Dent Dublin Elizabeth DentTJS Deemer Dana LLP Dublin Matt Jones Dublin Cristi JonesTJS Deemer Dana LLP Dublin Rhonda Norris Dublin Barry NorrisTouchmark National Bank Alpharetta Trae Dorough Alpharetta Cindy Dorough Alpharetta Hannah Dorough, 17 Alpharetta Bethany Dorough, 4Travelers Alpharetta Laura HippTriad Financial Services, Inc. Jacksonville, FL Robert LarisonUnited Community Bank Ellijay Jamie Tallent Ellijay Kenitra Tallent Ellijay Trenli Tallent, 8 Ellijay Tayli Tallent, 6 Ellijay Karlyn Matheson, 13Vinings Bank Smyrna Paul Black Smyrna Kerrin BlackWarren Averett, LLC Birmingham, AL Marlene McCain Birmingham, AL Tom McCainWebEquity Solutions Omaha, NE Andrew Ross(Entertainer) South Pasadena, CA Don Friesen(Speaker) Fort Walton Beach, FL Ed Hubbard




On-Property

Kid-FriendlyBAYTOWNE ADVENTURE ZONEBaytowne Adventure Zone in the Village of Baytowne Wharf will give you four more reasons to “hang” around Sandestin longer. Get an aerial view of the Village and its surroundings, as you soar across the lagoon on the Florida Gulf Coast’s only zipline. Then head over to the ropes course for skill testing fun. If you still haven’t had enough fun, the Tower Climb and Eurobungy are sure to put you over the limit.850.428.2736

BLAST ARCADE AND LASER MAZEBlast Arcade is a family friendly, state of the art arcade facility which includes the latest in redemption style games sure to please any age. We also offer a Roller Coaster simulator, Laser Maze, and Shooting Gallery. Our newest addition this year is Baytowne Idol, featuring you as the star. 850.654.3333, email [email protected] or visit www.blastfunandgames.com

ADVENTURE LANDING PLAYGROUNDRelax while the kids play mornings through evenings on the imaginative nautical themed playground. Adventure Landing Playground is an enclosed fenced area, where kids can safely climb, swing, run and play.

Adult-OrientedTHE VILLAGE OF BAYTOWNE WHARFThe Village of Baytowne Wharf is home to more than 30 world-class shops and specialty boutiques offering colorful choices, local treasures and unique gifts.

SILVER SANDS PREMIUM OUTLETSSandestin Golf and Beach resort is a short drive from Silver Sands Premium Outlets, home to 110 designer and name brand outlet stores. Find impressive savings every day at Banana Republic, Brooks Brothers, Calvin Klein, Coach, Saks Fifth Avenue Off 5th and many more. See a CBA team member to receive a voucher for Silver Sands coupons.

Off-Property

Kid-FriendlyTHE TRACK RECREATION CENTERThe Track is your family headquarters for fun! The action-packed recreation center features the ultimate in go-kart tracks, miniature golf, bumper boats, a bungee jumping tower and

an arcade. Kids Country for the younger set features a train ride, carousel, Ferris wheel and much more. 850.654.4668; email: [email protected], www.destintrack.com

EMERALD COAST SCIENCE CENTERThe Emerald Coast Science Center is an interactive museum for the young and curious. It boasts over 200 touchable, workable exhibits including a bubble room, nature discovery room, color and light exhibits, and much more. Voted one of the best “almost free” things to do on the Emerald Coast.850.664.1261; www.ecscience.org

BIG KAHUNASThe Emerald Coast's Largest Water Park! It has over 40 water attractions among tropical landscaping and cascading waterfalls. There are four children's areas, high speed body flumes and thunderous white water tube rides which empty into meandering lazy rivers. The adventure park has the largest regional tropical mini golf course: a super speed go kart track and two adrenaline pumping thrill rides. 850.837.8319; www.bigkahunas.com

BUCCANEER PIRATE SHIPUnlock the treasure of your heart and let your dreams come true as you embark on a thrilling adventure aboard the Buccaneer! Our motley crew will interactively entertain your whole family aboard a 100 foot Pirate Ship. Join the merriment of pirate stories, sword fights, treasure hunts, water gun battles, music and games if you dare set sail on the seas of Destin!850.269.0896 or 850.837.6641; www.destinpirateship.com

Adult-OrientedDESTIN COMMONSAward winning Destin Commons is the premier open-air entertainment for the entire family. With favorites like Bass Pro Shops, Charming Charlie, H&M, AMC Commons 14 Theaters, Chipotle and World of Beer, Destin Commons currently offers 90+ stores & restaurants! Kids’ highlights include a mini ride-on train, Pirate's Cove soft play area & interactive play fountains.850.337.8700; www.destincommons.com

DOCKSIDE WATERSPORTS & PARASAILINGEverything FUN under the SUN! Soar high through the sky during the BEST parasailing experience in Destin! Explore the local waters with our pontoon boats or fishing boats OR let us guide you on a dolphin & wild life tour! Zip through the waves in our NO GOVERNOR jet skis- that's right, go as fast as you want! No hassle parking, direct access to boats.850.428.3313; [email protected], www.boatrentalsindestin.com

Area Attractions




On-Property Dining OptionsACME OYSTER HOUSE A world famous raw bar directly from the French Quarter in New Orleans. This boisterous, eclectic and casual “landmark” serves delicious po boys, crawfish, jambalaya, chargrilled oysters and plenty of ice cold beer. Open

daily 11 a.m. – 10 p.m.; located in The Village of Baytowne Wharf; call 850-622-0200.

ANOTHER BROKEN EGG CAFÉ In this unique and cheerful café, you’ll find casual elegance and a charming French country atmosphere with upscale tastes at affordable prices. For your breakfast, brunch and lunch experience Another Broken Egg Café features specialty coffees, Bloody Mary’s and Mimosas. Serving breakfast all day, this unique menu highlights six different benedicts, awesome omelets, traditional brunch dishes, along with hot sandwiches, fresh salads and a host of signature dishes, such as Blackberry Grits and Banana’s Foster French Toast. Voted best on the Emerald Coast nine years in a row! There are two locations to choose from: for the Village, call 850-650-0466; and, for bayside dining at Links, call 850-622-0760. Open 7 a.m. – 2 p.m.; closed Mondays. BISTRO BIJOUX Quaint French-style bistro serving authentic “new” New Orleans cuisine from soft shell crabs to tournedos of beef. Bistro Bijoux offers a variety of fine wines by the bottle or by the glass, as well as a limited selection of specialty bottled beers. Unique wine related gifts and accessories, too, plus outside terrace seating overlooking the lagoon. Open for dinner nightly 5 – 10 p.m.; located in The Village of Baytowne Wharf; call 850-622-0760.

ELEPHANT WALK Rediscover your favorites, such as the Grouper Elizabeth and relive the nostalgia and charm that the Elephant Walk brought to the Emerald Coast as early as 1985. Lunch is served Saturday and Sunday 11 a.m. – 5 p.m.; dinner is served nightly 5 – 11 p.m.; located in The Village of Baytowne Wharf; call 850-267-4800. GRAFFITI & THE FUNKY BLUES SHACK Popular local restaurateurs Chuck and Carmen Stiles have opened Graffiti & The Funky Blues Shack, a family-friendly eatery and blues club with funky folk artwork that showcases artists from the Southeast. An eclectic Italian menu offers popular classics such as Linguine Bolognese and Veal Picatta, as well as signature dishes such as Lobster Ravioli, Hazel Grouper and Mediterranean Shrimp. A limited late-night menu is available for those enjoying the hot sounds of cool blues. Open daily 5 p.m. – until; located in The Village of Baytowne Wharf; call 850-424-6650.

HAMMERHEAD’S BAR & GRILL Best place in Sandestin to watch the sunset overlooking the beautiful Choctawhatchee Bay! Dockside dining featuring grilled oysters and fish, Cajun-boiled seafood buckets, sandwiches, fish tacos and more. As the sun goes down, enjoy live entertainment

and dancing or enjoy a signature hurricane or ice cold beer at the bar. Family friendly; open daily 11 a.m. - until; located in The Village of Baytowne Wharf; call 850-351-1997.

HARTELL'S VILLAGE DINERHartell's Village Diner is a classic 50's diner that features a full service menu including breakfast, lunch, dinner, dessert and late night. Come in and see Bob Bodiker's World Famous Sweet Shop with an ice cream bar built atop the front end of a 1957 Chevy. With family friendly food and family friendly prices, Hartell's has something for everyone. Located in the Village of Baytowne Wharf, just look for the 6 foot double cheeseburger and come in for a treat! To-go orders available. Call 850.654.9453 for more information.

MARLIN GRILL This seafood restaurant offers casual, upscale fine dining for dinner only. Specializing in the freshest catch-of-the-day specials, Destin seafood and grilled steaks. Enjoy a cocktail or cigar in the lively bar, or take in the sights and sounds of the street on the two-level outdoor terrace. Open nightly for dinner 5 p.m. – until; reservations suggested; located at 9100 Baytowne Wharf Blvd., Suite B2; call 850-351-1990.

POPPY’S SEAFOOD FACTORY Fine Dining in a casual atmosphere featuring fresh fish, pasta, steaks and their signature blackened lobster. They will gladly pair your meal with a wine from their award-winning cellar. Open for dinner nightly 5 p.m. – until; located in The Village of Baytowne Wharf overlooking the beautiful Choctawhatchee Bay; call 850-218-2628.

ROBERTO’S PIZZERIASandestin’s one and only Sports Bar! Serving hand-tossed specialty pizzas, salads, sandwiches and pastas. Indoor/outdoor dining available or take a seat at the full-service bar, serving up specialty cocktails, wine and 12 ice cold draft beers. All the sports action is covered with 15 big screen TVs. Open daily 11 a.m. – until; located in The Village of Baytowne Wharf; call 850-351-1998.

SAN GELATO CAFÉAn upscale cafe serving over 30 unique flavors of gelato and sorbet, frozen yogurt, gourmet desserts, and more. The frozen yogurt toppings bar is filled daily with fresh fruits, candies, cookies, and nuts. Enjoy a coffee drink or espresso on the Grand Lagoon deck or relax with your choice of beer or fine wines. There is a selection of fresh smoothies, or you can create your own from the wide variety of gelato and sorbet. Visit the store for specials, including happy hour, all you can eat gelato, and more! Open 11am-8pm on weekdays and 11am- 10pm on weekends. Call 850-424-3460 for more information.




BEACHWALK CAFÉOne of the Emerald Coast’s most celebrated restaurants, this waterfront eatery serves American cuisine with Asian and European influences. Its chef, Tim Creehan, creates dishes such as tempura-fried grouper with black bean sauce and stir-fried vegetables, oven-roasted pork with shiitake mushroom dressing, or roasted lamb with eggplant and goat cheese rolls. He is also known for his hot crawfish salad, crabmeat spring rolls, white chocolate banana cream pie, and a delightful Sunday brunch. There is no question why he has been chosen as chef to celebrities such as Amy Grant, Vince Gill and Cybill Shepherd. Open for lunch Mon-Fri 11 a.m. – 2 p.m.; Sunday 9 a.m. – 2 p.m.; and, serving dinner nightly 5:30 – 10:00 p.m.; located at 2996 Scenic Highway 98E, The Inn at Crystal Beach; call 850-650-7100.

BUD & ALLEY’SThis long-standing local favorite, named for a dog and a cat, is a half-hour’s drive from Destin but definitely worth the trip! Devoted to the freshest local seafood, the owners also choose the best ingredients from area farmers. Try their creative entrees, such as Basque-style seafood stew, grilled duck breast, Florida blue crab cakes and grilled beef tenderloin stuffed with fried oysters. Whether in the light-filled dining room or outside in the sea air, the cuisine is impeccable. Upstairs, the open-air bar serves cocktails and light meals and provides an incredible vista across the gulf! Open daily; lunch is served 11:30 a.m. - 3 p.m.; and, dinner is served 5:30 – 9:30 p.m.; located at 2236 County Road, 30A, Merchants of Seaside, Santa Rose Beach; call 850-231-5900. CAFÉ THIRSTY ACasual Fine Dining in an airy, upbeat atmosphere. Consistently delicious since 1995! Contemporary eclectic menu of local seafood, meats, poultry & wood-oven pizzas. Award-winning wine list & famous martinis. Reservations suggested; open for dinner nightly 5 p.m. - until; located in Seagrove Beach, 1.5 miles east of Seaside at 3899 E. Scenic Highway, 30A, Santa Rosa Beach; call 850-231-2166.

DEWEY DESTIN’S HARBORSIDELeonard Destin, who founded the beach town in 1835, happens to be Dewey’s great, great grandfather making this restaurant a true Destin establishment that shouldn’t be missed! Besides the intriguing history of the restaurant, this seaside eatery has so much to offer; its harborside location gives patrons the chance to enjoy the ocean breeze and spectacular view while savoring fish and seafood dishes and sipping tropical drinks. Open daily 11 a.m. – 10 p.m.; located at 202 Harbor Blvd; call 850-837-7525.

HARRY T’S LIGHTHOUSEThe restaurant is located in a two-story lighthouse! The décor of the restaurant is circus themed coupled with memorabilia from

the sunken luxury cruise ship. Despite its playful atmosphere, Harry T’s offers breathtaking views of the ocean that can be enjoyed from every table in the restaurant. Harry T’s restaurant serves American cuisine. Menu selections include steak, chicken, seafood, and pasta. Children’s meals are available for $3.89 from 4-6pm daily! Brunch is served Saturday and Sunday, 10am till 2pm. Located at 46 Harbor Blvd, Destin, FL 32541; call (850) 654-4800 MARINA CAFÉ“Destin’s Most Awarded Restaurant” Contemporary Dining at its very best! Experience breathtaking views of Destin Harbor through a thirty-foot bar window and waterfront dining room. Their extensive international wine collection complements an eclectic menu of classic Creole, Mediterranean, Pan Asian and American cuisine. Menu includes USDA prime beef, fresh gulf seafood and sushi. Recipient of the DiRoNA award, Florida Trend Magazine’s Top 200 and Emerald Coast Magazine’s Best Fine Dining. Open for dinner nightly 5 - 10 p.m.; located at 404 East Highway 98; call 850-837-7960.

SOLARIS DINNER CRUISESFor an evening of extraordinary dining and live entertainment, explore Destin, Florida with a Choctawhatchee Bay sunset cruise aboard the 125-foot luxury yacht SOLARIS, docked at the Baytowne Marina. For pricing and reservations, call SunQuest Cruises at 850-650-2519, or visit www.SunQuestCruises.com

THE SURF HUTThe Surf Hut has a menu that goes far beyond your typical 'beach fare', with a little added surfer flare to a cuisine that includes Seafood, Oysters and St. Louis Style BBQ! We've got a custom game area on the beach where you can grab a game of corn hole while you watch the waves and sip a delicious signature frozen libation from our full bar! Whether you're looking for a place for lunch while you're enjoying the beach, a local spot to get fresh from the Gulf seafood, date night or a family friendly place to bring the kids, The Surf Hut has got something for everyone! Located at 551 Scenic Gulf Dr, Destin, Florida 32550; call (850) 460-7750.

THE VUE ON 30AThe only restaurant on Florida's Scenic Highway 30A that has been voted as having the Best Waterfront Dining by Florida Travel + Life Magazine and most recently the "Best Place to Watch a Sunset" by the readers of Destin Magazine. Here, you'll experience a fresh approach to dining with a delicious menu designed and prepared by Chef Giovanni Filippone, who was recently named a Best Chefs America 2013 chef! In addition to these accolades, Vue on 30a continues to be a "Most Booked" restaurant at OpenTable.com. Located at 4801 County Rd 30A, Santa Rosa Beach, FL 32459; call (850) 267-2305.

Off-Property Dining Options

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