2014 PBA LENDING CONFERENCE - DAY I November 20, 2014 The Hotel Hershey 7:30 a.m. Registration / Continental Breakfast – Garden Terrace East 8:15 a.m. OPENING GENERAL SESSION – Garden Terrace East Welcome/Opening Remarks 2014 Lending Conference Chairman C. Pete Ricker Senior Vice President, Retail Lending ACNB Bank Gettysburg, PA 8:30 a.m. – 9:45 a.m. 9:45 a.m. – 10:10 a.m. GENERAL SESSION – Garden Terrace East Economic Update Ardy Lynn Wurtzel Corporate Affairs Research Associate Federal Reserve Bank of Philadelphia Philadelphia, PA REFRESHMENT BREAK 10:15 a.m. – 11:15 a.m. GENERAL SESSION – Garden Terrace East Recent Development and Trends in Mortgage Lending John Konyk Executive Director, Government Affairs Weiner Brodsky Kider PC Washington, D.C. 11:20 a.m. – 12:20 p.m. CONCURRENT SESSIONS 1) Transaction Options for Maximizing Recovery on Troubled Credits: An investment banker’s perspective on today’s capital markets environment for distressed companies Thomas G. Whalen Glenn Bernabeo, Co-Heads Griffin’s Financial Restructuring Group Reading, PA 2) Loan Pricing Craig Poms Chief Delivery Officer PrecisionLender Charlotte, NC 12:20 p.m. – 1:20 p.m. LUNCHEON – Castilian Room PBA Update 1:30 p.m. – 2:30 p.m. CONCURRENT SESSIONS 1) Portfolio Management in this Regulatory Environment David Kemp President Bankers Management, Inc College Park, GA 2) Back Yard and Balance Sheet: FHLBank Can Help You Met Your Goals John Bendel Director, Community Investment Federal Home Loan Bank Pittsburgh Pittsburgh, PA 2:30 p.m. – 2:50 p.m. REFRESHMENT BREAK - Garden Terrace East Lounge 2:55 p.m. – 4 p.m. GENERAL SESSION– Garden Terrace East Managing the Workout Process to Reduce Losses David Kemp President Bankers Management, Inc. College Park, GA 4 p.m. – 4:45 p.m. Adjourn/Reception – Starlight Terrace 2014 PBA LENDING CONFERENCE - DAY II November 21, 2014 The Hotel Hershey 7:30 a.m. 8 a.m. Registration/Buffet Breakfast - Garden Terrace East Welcome– Garden Terrace East Welcome/Opening Remarks 2014 Lending Conference Chairman C. Pete Ricker Senior Vice President, Retail Lending ACNB Bank Gettysburg, PA 8:15 a.m. – 9:10 a.m. GENERAL SESSION – Garden Terrace East Risk Management Strategic Planning David Kemp President Bankers Management, Inc. College Park, GA 9:15 a.m. – 10:30 a.m. GENERAL SESSION – Garden Terrace East Regulatory Panel Representatives from the following: FDIC OCC Federal Reserve Bank of Philadelphia PA Department of Banking & Securities 10:30 a.m. – 10:45 a.m. REFRESHMENT BREAK 10:45 a.m. – 11:45 a.m. GENERAL SESSION– Garden Terrace East Lending Law Update Kate Deringer Sallie, Esquire Partner Rhoads & Sinon LLP Harrisburg, PA 11:55 a.m. - 12:55 p.m. GENERAL SESSION – Garden Terrace East Building and Sustaining a Commercial Banking Performance Culture Jack Hubbard Chairman & Chief Sales Officer St. Meyer & Hubbard Elgin, Illinois 1:15 p.m. Conference Credits: 9 CPE Submitted for CLE Closing Remarks/Adjourn