TrusT CommiTTee Chairman: Kim Boone, Senior Personal Trust Officer, First Farmers and Merchants Bank, ColumbiaChairman-elect: Chris Kelly, Senior Vice President/Trust Advisor, Pinnacle Bank, MurfreesboroVice Chairman: Brandon Brewer, Vice President/Trust Officer,First Citizens National Bank, Dyersburg

Immediate Past Chairman: Al Secor, Executive Vice President, CapitalMark Bank & Trust, Chattanooga

eastMike Bevins, Executive Vice President, Citizens National Bank, AthensDavid Long, Vice President/Trust Officer, First Tennessee Bank, NA, Knoxville

middleJoseph Presley, President/CEO, Cumberland Trust and Investment Company, NashvilleCharlotte Csabi, Senior Vice President/Trust Officer, Pinnacle Bank, Murfreesboro Keith Keisling, Vice President, Equitable Trust Company, Nashville Derrick A. Jones, Wealth Management Services Managing Director, Truxton Trust, Nashville Rob Lineberger, Senior Fiduciary Officer, Diversified Trust, Nashville

WestJoyce Crocker, Senior Vice President/Trust Officer, Carroll Bank and Trust, HuntingdonHarold Fletcher, Attorney, MemphisEmily Walker, Trust Officer, Commercial Bank & Trust Co, ParisFrank Davis, Senior Vice President/Trust Manager, First Tennessee Bank, NA, Memphis

Boone

Thank You to our sponsorsBroadridge Financial Partners, Inc, New York, NYCrews and Associates, Inc, Little Rock, ARFederated Investors, Inc, Pittsburgh, PAHartford Funds, Radnor, PA Infovisa, Canton, GAMainStreet Advisors, Chicago, ILProxytrust, Islandia, NYT. Rowe Price, Baltimore, MD

MS A

2013 TrusT & WealThmanagemenT ConferenCe

october 24 & 25, 2013TBa Barrett Training Center

nashville, Tennessee

ConferenCe agenda

Thursday, october 24Noon Registration Refreshments sponsored by Broadridge Financial Partners, Inc, New York, NY1:00 pm Federal Legislation/Regulation

Timothy E. Keehan, Vice President and Senior Counsel, Center for Securities, Trust, and Investments, American Bankers Association, Washington, DCCongress and banking regulators continue a steady stream of pro-posals or initiatives that affect the trust and wealth management business. Keehan will track and comment on these legislative and regulatory issues.This segment will provide an overview of the most significant developments in this area and insight for both advocacy and compliance.

2:00 pm Recent Tennessee Legislation and Other Interesting Items Albert W. Secor, Executive Vice President and Counsel, CapitalMark Bank & Trust, Chattanooga

Over the last two years, Secor has developed a survey of legislation and court decisions that affect the trust and wealth management practice. The survey includes both tax and nontax court decisions and legislative changes.

3:00 pm Break Sponsored by Infovisa, Canton, GA3:15 pm Tennessee’s [Non] Uniform Trust Code

Harold (Gus) Fletcher, Special Counsel, Apperson Crump, PLC, Memphis, TNBryan Howard, Partner, Howard & Mobley, PLLC, Nashville, TNPublic Chapter 390 of the Acts of 2013 is the most significant change of Tennessee’s now “Non” Uniform Trust Code since its original adoption in 2004. Fletcher and Howard were principals in the drafting of the legislation and in developing the revised commentary for publication in the Tennessee Code. This session will highlight both the legislative changes and their practical appli-cation for the creation and administration of trusts in Tennessee.

5:30 pm Reception Sponsored by Crews and Associates, Inc, Little Rock, AR6:30 pm Dinner & Nashville Songwriters Sponsored by Federated Investors, Inc, Pittsburgh, PA

friday, october 257:30 am Breakfast

8:30 am Trust Tennessee – Department of Financial Institutions Economic Initiatives

Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, Nashville, TNThe Department of Financial Institutions has been involved recently in promoting the development of the trust business in Tennessee through a number of initiatives including a Trust Tennessee website and the creation of a private trust company/public trust company partnership. Commissioner Gonzales will highlight the role of the department and its vision for economic development benefits through the trust area.

9:00 am Behavioral Finance: Good Behavior in Bad Markets Ryan Layton, CFA, Portfolio Manager, MainStreet Advisors, Chicago, IL

Layton will explore the field of behavioral finance, how our brains work, and the ways we make decisions. We will discuss some of the frequent behavioral pitfalls investors make and the effect they can have on investments. Most capital market theories are based on fundamental and economic factors, ignoring the impact of perceptions of the human participants. Our hope is that, by being cognizant of our common mistakes, we can avoid falling prey to them.Through an analysis of the common behavioral biases to which investors are vulnerable, Layton will evaluate the impact these behavioral mistakes can have on portfolios and help participants understand the importance of learning to prevent emotions from guiding portfolio decisions.

10:00 am Break Sponsored by MainStreet Advisors, Chicago, IL10:15 am Election of Trust Committee Officers

10:20 am Portability – At Best a Safety Net Harold (Gus) Fletcher, Special Counsel, Apperson Crump, PLC, Memphis, TN

Fletcher will discuss the effects of the permanent “portability” provi-sions contained in the American Taxpayer Relief Act of 2012 (ATRA). Portability provides a helpful safety net for married couples who have not created a comprehensive estate plan. However, portability is not a panacea and is not a substitute for thoughtful, affirmative planning. This is particularly true in Tennessee, at least until the inheritance tax ends on December 31, 2015.

10:50 am Technology, IP, and Other Intangible Assets: New Considerations in Estate Planning Glenn Perdue, Managing Member, Kraft Analytics LLC, Nashville

Advances in technology have raised significant new issues for estate planners and trust administrators, including the accessibility to and valuation of newer electronic media, as well as online and intangible

Continuing education CreditCLE Attendants qualify for 7.75 hours of general Continuing Legal Education (CLE) credit.

CFP TBDAttendants qualify for 9 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No prerequisites are required for this program. For more information regarding administrative

policies or complaints, please contact our offices 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 accoun-tancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org.

This program has not been pre-approved for ICB CE credits. Attendants who require ICB credits should go to http://www.aba.com/icb/membercereview for further instructions.

To obtain continuing education credit applications or more information, call the TBA education department at 800/964-5525 or 615/244-4871.

general informationAttire: Business casual attire is appropriate for all TBA programs. Because of tempera-ture variations in meeting rooms, please bring a sweater or jacket for your comfort.Special Needs: If you have a special need that may affect your participation in this program, please send TBA a statement regarding these at least 10 days before the program. We will contact you to discuss accommodations.

Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commitments, cancellations received less than 5 business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee.

Inclement Weather Policy: Cancellations due to inclement weather are refundable, minus a late cancellation fee of $75 for a two-day program. Please call the TBA office at 615/244-4871 or 800/964-5525 x 150 concerning the status of a program due to inclement weather. This will provide information concerning program status, cancel-lation fee, and refund requests. You may call the program site phone number listed in this brochure to check the status of the program.

assets. Perdue will highlight the importance of addressing these issues when planning and administering an estate.

11:35 am Economic Update Linda A. Duessel, CFA, Senior Vice President, Senior Equity Strat-egist, and Senior Client Portfolio Manager, Federated Investors, Inc, Pittsburgh, PAThe slow recovery and Federal Reserve economic policy moves continue to have a significant impact on trust planning and estate administra-tion. Duessel will provide an outlook for the economy.

12:45 pm Conference Adjourns

hotel informationThe Springhill Suites, 250 Athens Way, Nashville, is holding a block of rooms on a first-come, first-served basis at a special group rate of $116 single/double per night. October 3, 2013, is the deadline for making hotel reservations at the conference rate. When the allotted room block is sold, room rates will return to standard prices on a space-available basis, even if it is before the October 3 deadline, so be sure to reserve your accommodations early.

To make reservations, contact the hotel at 800/971-4761 and ask for the Tennessee Bankers Association block of rooms to receive the special group rate.

Reservations can also be made at the Millennium Maxwell House Hotel, 2025 Rosa L. Parks Boulevard, by calling 800/457-4460. Let reservations personnel know that you are with the Tennessee Bankers Association to receive the special rate of $99 for a standard room (plus tax), as long as standard rooms are available.

Conference fees

Fee includes instruction; instructional materials; reception, dinner, and entertainment on Thursday evening; breakfast on Friday; and refreshment breaks on both days.

No written confirmation of seminar registration will be sent from the TBA.

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

TBA Members / Associate Members Member Spouses Nonmembers Nonmember Spouses

Early Registration $285 $85 $570 $170

Early registration deadline is October 10.

Registration $315 $115 $600 $200

Day-of-Program $365 $165 $650 $250

For more information contact: Penny Powlas – ppowlas@TNBankers.orgExecutive Assistant, Administration / LegalTennessee Bankers Association800/964-5525 or 615/244-4871 • Fax: 615/324-1987 www.TNBankers.org

entertainer Bios

The Kinleys took home the Academy of Country Music’s Top New Vocal Duet/Group Award in 1997 and have garnered more than 20 nominations from the Grammy’s, the CMA, and the American Music Awards. Since their debut, there have been a sea of female vocal groups but none with the unique sound of The Kin-leys. As twin sisters, Jennifer and Heather possess an innate sense of harmony, and their vo-cals have never sounded better than on their latest release, All in the Family.The sisters first attracted at-tention with their debut, Just Between You and Me. Their first single, “Please,” remains the highest debuting single by a female duo in country music history, while the album’s title track was a top 10 smash. The album was certified gold and is ap-proaching the platinum sales mark.The duo also scored a hit with the inspirational “Somebody’s Out There Watching,” from the Touched by an Angel soundtrack. That song was also on their sophomore project, The Kinleys II.“We love to sing separately, but there is something exhilarating about putting our voices together,” says Jennifer. “At certain points when we’re singing, the two of us really do become one sound. It’s hard to explain, but it’s an amazing feeling.”

“It’s like we’re connecting on another level,” continues Heather. “We know each other so well that we thought that was impossible, but when we bring our voices together, it’s a dif-ferent kind of bonding experience.”The twins grew up in Philadelphia and have been performing together since they were eight. They sorted

through their parent’s records and found themselves singing a wide range of music from the Andrews Sisters to Tammy Wynette to the Everly Brothers. They learned how to hone their harmony craft by imitat-ing those Everly sounds they loved so much and eventually started listening to the local country radio station. They soon became huge fans of the family harmony of the Judds.Life following The Kinleys II brought a lot of changes, including their departure from Sony Records and their embankment into motherhood. After years of touring to support their

first two records, Jennifer and Heather took a few years off to start their families, which have inspired their lives, their music, and the title of their latest album, All in the Family. The album is on their newly formed record label, Identical Records. To further the fam-ily connection, The Kinleys

turned to Jennifer’s hus-band, singer/songwriter/producer Adam Hughes, to produce the project and to Heather’s husband, Mark Mendenhall, to lead the management team.You will hear their early musical influences when you listen to the All in the Family collection, espe-cially in the all-out rocker, “The Price of Love,” that

the Everly Brothers made famous years ago and in the album’s closer, the lul-laby The Kinleys penned called “My Baby Blue.” The duo co-wrote five songs on the project and created the unique Kinley sound that is all their own.

Lionel Cartwright began his musical career in a West Virginia basement with a player piano and a record player. His vinyl instruc-tors included the great Nashville ses-sion players, as well as Elton John and Billy Joel.At 22 years of age, he moved to Nashville. Between 1988 and 1992, Cartwright charted 12 singles on the Billboard Hot Country Singles & Tracks charts, including a Number One single in 1991’s “Leap of Faith.” Other hits included “Give Me His Last Chance” and “I Watched It All on My Radio,” co-written with Don Schlitz.In 1990, Cartwright was nominated for ACM New Male Vocalist along with Clint Black and Garth Brooks.He toured extensively, sharing the stage with virtually every act in country music and chalking up thousands of performances.In addition to his performing career, Cart-wright’s work as a composer has appeared on numerous television shows and documenta-ries, a career choice that allowed him to be present and active in his children’s lives as they grew up.A lifelong creative, he continues to thrive, eagerly leaning into new ways of creating works that speak to people’s hearts.

The Kinleys lionel Cartwright

speaker Bios

Linda A. Duessel, CFA, Senior Vice Presi-dent, Senior Equity Strategist, and Senior Client Portfolio Manager, Federated Investors, Inc, Pittsburgh, PAAs senior equity market strategist, Linda Duessel is part of the team responsible for formulating house views about various equity market conditions and the firm’s po-sitioning strategies. As senior client portfolio manager, she also is responsible for articu-lating the strategy, process, positioning and performance of Federated’s domestic and international equity portfolios. Duessel has been a regular contributor to CNBC’s “Closing Bell” and other pro-grams. In addition, she has appeared on Fox News “Your World With Neil Cavuto” and Bloomberg Television. Duessel has also been extensively quoted by Associated Press, The Wall Street Journal and Barron’s and has been extensively featured in the an-nual roundtables for USA Today and Smart Money Magazine. Linda also discusses per-sonal finance with investor groups across the country on topics of interest ranging from the impact of the alternative minimum tax to investing for retirement. She has more than 25 years of investment experience. Duessel earned her master’s degree from Carnegie Mellon University and bachelor’s degree from Wharton School of the Uni-versity of Pennsylvania. Duessel is a CPA, CFA charterholder and a CFP professional.

Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, Nashville, TNGreg Gonzales is the 18th commissioner of the Tennessee Department of Financial Institutions. He began serving in this role in 2005, first appointed by Governor Phil Bredesen, and was reappointed by Governor Bill Haslam. He has served in the department since 1986.

In this position, Gonzales is Tennessee’s chief regulatory officer of all state-chartered depository and licensed nondepository financial institutions. He previously served as assistant commissioner and general counsel for the department.Gonzales serves on the board of directors of the Conference of State Bank Supervisors (CSBS), which is the professional organization of state banking commissioners in the United States. Commissioner Gonzales is also a member of the board of directors of the Money Transmitter Regulators Association (MTRA), an organization of a majority of the states that regulate funds transfer companies, and is also on the US Treasury’s Bank Secrecy Act Advisory Group.Commissioner Gonzales was born in Cookeville and graduated cum laude in cursu honorum with a bachelor’s degree from Tennessee Technological University in 1980. He earned a law degree from the University of Tennessee in 1984.

Bryan Howard, Partner, Howard & Mobley, PLLC, Nashville, TNBryan Howard is a co-founding member of Howard & Mobley, PLLC. He assists fami-lies whose net worth exceeds $10 million with wealth transfer planning, tax reduc-tion planning, charitable giving, and asset protection planning. He also advises the owners of closely held businesses with re-spect to tax and business succession issues and represents fiduciaries and beneficiaries with regard to trust and estate administra-tion and litigation issues. Howard earned his BS degree in busi-ness administration from the University of California at Berkeley, his JD from Vanderbilt University Law School, and his LLM, taxation, from the University of Florida Levin College of Law. He is

certified as an estate planning specialist in Tennessee.Howard is listed in the Best Lawyers in America (2001-2010 editions) in both the tax and trusts and estates categories, has been selected as one of the top 100 Lawyers in the US by Worth Magazine, one of the best lawyers in Tennessee by Business Tennessee magazine, and one of the Best Lawyers in Tax Law by Corpo-rate Counsel magazine. He has the AV rating (highest available) for ethical stan-dards and legal ability from Martindale-Hubbell’s peer review ratings system. Howard frequently lectures and writes on estate planning and taxation topics.

Ryan Layton, CFA, Portfolio Manager, MainStreet Advisors, Chicago, IL Ryan Layton is portfolio manager with MainStreet Advisors, Chicago, IL. He is responsible for client relationships which include portfolio analysis and manage-ment. He also sits on the investment committee, individual stock team, and asset allocation team.Prior to joining MainStreet Advisors, Lay-ton was an assistant vice president and in-vestment manager with Wells Fargo Wealth Management Group in Minneapolis, MN, where he handled client consulting and portfolio management. Along with these responsibilities, he was actively involved in the firm’s asset allocation and investment se-lection processes.Layton earned his BS degree in finance from Michigan Technological University. A chartered financial analyst, he is a mem-ber of the CFA Society of Minnesota.

Glenn Perdue, Managing Member, Kraft Analytics LLC, NashvilleGlenn Perdue is the managing member of Kraft Analytics, LLC, which focuses upon

valuation, forensic and transaction advisory services.Valuation experience includes the valuation of businesses, equity interests, intellectual property and other intangible assets for invest-ment, lending, managerial planning, compli-ance, accounting, tax, marital dissolution, restructuring and litigation purposes.

Albert W. Secor, Executive Vice President and Counsel, CapitalMark Bank & Trust, ChattanoogaAl Secor is executive vice president and di-rector of client services with CapitalMark Bank & Trust, Chattanooga, TN. He joined the bank in 2008 to initiate the its trust offering.Prior to starting a banking career in 1995, Secor was in the private practice of law for 29 years emphasizing probate and estate planning and state and federal taxation.Secor received his BBA degree in account-ing and a JD from Emory University and his LLM in taxation from New York Uni-versity. He is a member of the American, Tennessee, and Chattanooga Bar associa-tions; a past president of the Estate Plan-ning Council of Chattanooga; and a fellow of the American College of Trust and Estate Council. He also serves as chairman of the Tennessee Probate Study Group. Secor is the author of the Tennessee Pro-bate, The West Group, 1979, Second Edi-tion 2002, and co-author of Tennessee Elder Law, The West Group, 2009. He is a frequent speaker on estate planning and estate administration topics to the bar and other organizations.

REtuRn ComPLEtEd FoRm & PaymEnt to:Tennessee Bankers AssociationATTN: Penny Powlas211 Athens Way, Ste 100Nashville, TN 37228-1381Phone: 615/244-4871 or 800/964-5525 Fax: 615/324-1987

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october 24 & 25 • TBa Barrett Training Center, nashville

TBA Members / Associate Members Member Spouses Nonmembers Nonmember Spouses

Early Registration $285 $85 $570 $170

Early registration deadline is October 10.

Registration $315 $115 $600 $200

At-the-door $365 $165 $650 $250

2o13 Trust & Wealth management Conference

4 ways to register! 1. Register online at www.TNBankers.org 2. Scan this form and e-mail it to ppowlas@TNBankers.org 3. Mail this form to the address below 4. Fax this form to 615/324-1987