JOIN US AT BEST BANKERS EDUCATION SUMMIT AND TRADE SHOW IDEAS IN FULL BLOOM APRIL 6-8, 2016 GRAND TRAVERSE RESORT & SPA, TRAVERSE CITY, MI

BANKERS EDUCATION SUMMIT AND TRADE SHOW BEST IDEAS IN FULL BLOOM APRIL 6-8, 2016 GRAND TRAVERSE RESORT & SPA, TRAVERSE CITY, MI Education. Idea Sharing. Innovation. Get ready to find your next BEST idea! Make a new connection, find a cool product or service, gather valuable take-aways. With close to 40 educational sessions to choose from, BEST offers an incredible learning opportunity. Innovation starts from one great idea or many. Let this conference be the place you find your next BEST idea. Register your team today! BEST continues to be paper light. Please visit http://www.mibankers.com/best for details. Handouts will be available on our website and from the mobile app. Please download or copy in advance for any sessions you plan to attend. I think the BEST Conference is a great success with continued growth in attendance. It addresses issues that are very relevant for the ever-changing and dynamic world of banking. The conference is very productive in terms of networking, discussion of best practices as well as latest approaches to today s problems. We are able to go back to the office and put new information into practice for the benefit of our customers and staff. 2 -Julie F. Bolt, Isabella Bank - Retail Lending Committee Chair

KEYNOTES Thursday Breakfast Keynote - 8:00 a.m. Capturing the Mind of Your Customers Dave Sanderson is an inspirational survivor, speaker, and author. His thoughts on leadership have made him an internationally sought-out speaker. When US Airways Flight 1549, or The Miracle on the Hudson, ditched into the Hudson River on January 15, 2009, Dave Sanderson knew he was exactly where he was supposed to be. The last passenger off the back of the plane on that fateful day, he was largely responsible for the well-being and safety of others, risking his own life in frigid water to help other passengers off the plane. Despite the hazards to himself, Sanderson thought only of helping others and emerged from the wreckage with a mission: to encourage others to do the right thing. That experience profoundly changed his life and today he travels the globe sharing his inspirational and motivational leadership messages to help people make a difference in how they do business and live their lives. #MomentsMatter Speaker: Dave Sanderson Sponsored by Spectrum Business Thursday Luncheon Keynote - Noon It s a Millennial World News and research are bombarding us with what Millennials need, what they prefer, how they don t care about banks and so much more. While some of this buzz is based in fact and has merit, why not spend more time on what we CAN do today, while we are waiting to find the missing piece to solve the Millennial puzzle? When HT Mobile Apps conducted research recently on Millennials, they learned a few key points that can be used today to reach the sought-after Millennials. You already know, Millennials are probably banking with you because their parents did or one of your branches is close to where they live or work. We ll explore some activities financial institutions can do to begin the journey to connecting with Millennials. We can all work together to provide young adults with financial knowledge they need to live successful lives. Speaker: Kathleen Craig, HTMobile Apps VISIT HTTP://WWW.MIBANKERS.COM/BEST 3

TAKE A LOOK Wednesday, April 6 Noon Registration Opens 1:00 p.m. Wine Tasting and Tour 1:00 6:00 p.m. Exhibitor Set-up 6:00 7:00 p.m. Welcome Reception with Exhibitors THANK YOU EARLY BIRD SPONSORS: Thursday, April 7 6:30 7:00 a.m. Run with Rann Sponsored by Priority Health 8:00 9:30 a.m. Breakfast and Opening Keynote 9:30 10:00 a.m. Break with Exhibitors 10:00 11:00 a.m. Breakout Sessions 11:05 a.m. Noon Breakout Sessions Noon 1:30 p.m. Luncheon Keynote Featuring Financial Literacy Awards & Scholarship Recipients 1:30 2:30 p.m. Breakout Sessions 2:30 3:00 p.m. Break with Exhibitors 3:00 4:00 p.m. Breakout Sessions 4:30 5:30 p.m. Emerging Leaders/Young Bankers Mixer 5:30 6:30 p.m. BEST Spring Break Themed Reception with Exhibitors 9:00 11:00 p.m. Hospitality Suite - Trivia Night Friday, April 8 6:00 6:30 a.m. Morning Exercise 7:30 a.m. 8:00 9:00 a.m. Sponsored by Priority Health Continental Breakfast with Exhibitors Breakout Sessions 9:00 9:30 a.m. Break with Exhibitors - includes Exhibitors Punch Card Drawing Must be present to win 9:30 11:00 a.m. Breakout Sessions Adjourn 4 WHY ATTEND? Why Not! BEST is not just another conference. It is your place to exchange ideas, connect with peers, sharpen your skills and assess and implement best practices for your bank. Come find your next BEST idea! VISIT HTTP://WWW.MIBANKERS.COM/BEST

EDUCATION SESSIONS The BEST Conference features seven educational tracks. Track hop throughout the conference to BEST meet your educational needs! Continuing education credits are available for most sessions. Please check the website and on -site agenda Commercial Lending Customer Service / Sales Emerging Leaders Thursday only Human Resources Marketing Operations and Technology Retail Lending COMMERCIAL LENDING TRACK Sponsored by Michigan Certified Development Corporation 10:00 11:00 A.M. PRICING MODELS INCLUDING CECL UPDATE Speaker: Scott Miller, Crowe Horwath LLP 11:05 A.M. - NOON ECONOMIC UPDATE Speaker: Andrew Christians or Greg Cunningham, Donnelly Penman & Partners CYBERSECURITY INCLUDING FRAUD & ACCOUNT TAKEOVER Speaker: Jon Waldman, SBS Institute 3:00 4:00 P.M. BEST PRACTICES & IDEA EXCHANGE FRIDAY 8:00 9:00 A.M. BUSINESS TRANSITION & VALUATING YOUR BUSINESS Speaker: Greg Light, Rehmann 9:30 11:00 A.M. EMERGING RISK ISSUES Speaker: Representative, DIFS CUSTOMER SERVICE / SALES TRACK 10:00 11:00 A.M. BANKING & GAMIFICATION Speaker: Stephen Morris, WordCom, Inc. 11:05 A.M. - NOON UNIVERSAL BANKER...TODAY S TELLER Speakers: Sue Eno, Citizens National Bank of Cheboygan; John Hyche, Level5 HELPING YOUR CUSTOMERS UNDERSTAND THE IMPORTANCE OF GOOD CREDIT Speaker: Peter Loftus, Credit Plus 3:00 4:00 P.M. BEST WAYS TO IMPROVE PRODUCTIVITY Speaker: Ted Triplett, Ted Triplett Consulting FRIDAY 8:00 9:00 A.M. THREE STEPS TO GREATER SELLING SUCCESS - SALES TIP Speaker: Greg Coyne, Gerry Weinberg & Associates 9:30 11:00 A.M. BANK CYBERSECURITY FROM A NON-TECHNICAL PERSPECTIVE Speaker: Dave Koto, Praesidio FIND A BEST IDEA? SHARE IT! It s Traverse City, not Vegas! What we learn here, doesn t stay here! /MIBANKERS @MIBANKERS #MBABEST /MICHIGAN BANKERS ASSOCIATION 5

EDUCATION SESSIONS (Continued) EMERGING LEADERS TRACK 10:00 NOON LEADING AN INTENTIONAL LIFE: ACHIEVING A WORK-LIFE HARMONY Speaker: Kathleen Wheelihan, MBC Training and Development, Inc. BUILDING A RETIREMENT INCOME PLAN Speaker: Tom Armstrong, Bank Financial Services Group HUMAN RESOURCES TRACK Sponsored by MIBankHealth 10:00 NOON THE FLIP SIDE: BEST PRACTICES TO REDUCE RISKS OF EMPLOYMENT LITIGATION Speakers: Andrea J. Bernard, Louis C. Rabaut, Amanda M. Fielder, Warner, Norcross & Judd BONUS COMPENSATION PLANS AND TRENDS Speaker: Mike Blanchard, Blanchard Consulting Group 3:00 4:00 P.M. ROUND TABLE IDEA EXCHANGE FRIDAY 8:00 9:00 A.M. LEGAL UPDATE Speaker: Karen Piper, Bodman PLC 9:30 11:00 A.M. CREATING A POSITIVE CULTURE Speaker: Leslie Fiorenzo, Employee Assistance Center 6 MARKETING TRACK 10:00 11:00 A.M. DASHBOARDS. KEEPING YOU AFLOAT FROM ALL THAT DATA Speaker: Tim Barr, idashboards 11:05 A.M. NOON RE-BRANDING, HOW BANK OF ANN ARBOR IS CREATING CHANGE Speakers: Janice Ortbring, Matthew Altruda, Bank of Ann Arbor CONTENT MARKETING - STRATEGY AND IMPLEMENTATION Speaker: Sean Hockenbery, Financial Marketing Solutions 3:00 4:00 P.M. FIVE CRITICAL AREAS OF BANK MARKETING Speaker: Allen Howie, Idealogy Financial Marketing FRIDAY 8:00 9:00 A.M. WHAT S IN THAT DIGITAL WALLET? Speaker: Adrian Brown, The Payments Authority 9:30 11:00 A.M. HOW TO TALK TO CUSTOMERS ABOUT THE IMPORTANCE OF CYBERSECURITY Speaker: Jessica Dore, Rehmann OPERATIONS AND TECHNOLOGY TRACK 10:00 11:00 A.M. WHAT S NEW IN ACH? Speaker: Tyler Smith, Federal Reserve Bank of Chicago 11:05 A.M. NOON BANK S IT CAN RUN IN THE CLOUD! Speaker: Mark Becker, C/D/H BRANCH TRANSFORMATIONS AND ATM TRENDS Speaker: Chris Gill, Diebold 3:00 4:00 P.M. HOT TRENDS IN FRAUDULENT CARDS AND MOBILE PAYMENTS Speaker: John Waldman, SBS Institute FRIDAY 8:00 9:00 A.M. EMV - HOW ARE RETAILERS COMING ALONG WITH IMPLEMENTATION? Speaker: Andrew Smith, IT Resource 9:30 11:00 A.M. PASSING IT EXAMS WITH THE NEW CYBERSECURITY TOOL Speakers: Colin Taggart and Jennifer Fiebelkorn, Plante Moran

RETAIL LENDING TRACK 10:00 NOON ALL THINGS TRID Speaker: Rod Alba, American Bankers Association THE LATEST WITH ONLINE APPLICATIONS Speaker: Representative, Q2ebanking FRIDAY 8:00 9:00 A.M. REGULATOR HOT SPOTS Speaker: Melissa Bridges, Bodman PLC 9:30 11:00 A.M. NEW CFPB MORTGAGE-RELATED RULES Speaker: Amy Durant, Consumer Financial Protection Bureau 3:00 4:00 P.M. ROUND TABLE IDEA EXCHANGE NETWORKING AND SOCIAL EVENTS Wednesday, April 6 1:00 4:00 p.m. Wine Tasting and Tour 6:00 7:00 p.m. Open Reception with Exhibitors Thursday, April 7 4:30 5:30 p.m. 5:30 6:30 p.m. 9:00 11:00 p.m. Emerging Leaders/Young Bankers Mixer BEST Reception with Exhibitors Hospitality Suite - Don t put all that knowledge of the 80 s and 90 s to waste! Come test your knowledge at Trivia Night! Emerging Leaders/ Young Bankers Mixer Connect and socialize with other young professionals! Join us Thursday evening for BEST networking on the rocks! Explore Michigan s Wine Coast Join the wine tasting and tour on Wednesday, April 6 at 1:00 p.m. We re visiting three vineyards. Find your new favorite wine. $75.00 per person No formal dinner plans? Want to meet some new people? Gather a group together and visit downtown Traverse City. Area restaurant ideas and maps are in your tote bags VISIT HTTP://WWW.MIBANKERS.COM/BEST 7

LOCATION AND ACCOMODATIONS Grand Traverse Resort & Spa Acme, Michigan ROOM RESERVATIONS Visit http://bit.ly/gtresort2016 or call (800) 968-7352 and mention MBA to receive the discounted group rates. MAKE RESERVATIONS BY MARCH 6, 2016 TO RECEIVE DISCOUNTED ROOM RATES. http://bit.ly/gtresort2016 Hotel Guest room $106.00/night Tower Guest room $139.00/night Plus resort fee and applicable taxes. GETTING THERE The Resort offers Airport Shuttle service to and from (a 10-minute drive) Traverse City s Cherry Capital Airport (TVC). ADDRESS FOR DRIVING DIRECTIONS: 100 Grand Traverse Village Boulevard Acme, MI 49610-0404 SPA GRAND TRAVERSE Enjoy $10 off any Spa service valued at $99 or more. Take time out to relax and de-stress, it actually improves your overall focus and concentration. Mention Michigan Bankers Association to receive offer. No other discounts apply. OFFER VALID APRIL 5-8, 2016. UPCOMING EVENTS Future BEST Conferences April 5-7, 2017 April 18-20, 2018 8

THINGS YOU SHOULD KNOW SPRING BREAK The BEST dates may correspond with your spring break. If so, bring your family! Grand Traverse Resort & Spa is family-friendly. And it s complimented with many Traverse City attractions. Visit www.traversecity.com MOBILE APP Download the BEST Conference mobile app. View the agenda, find an exhibitor, etc. on the go! Sponsored by HTMobile Apps SPECIAL OFFER Attend the GSB Human Resource Management School, Technology Management School or Technology Security School within a year and receive a $250 rebate! Stop by the GSB booth for more details. TRADE SHOW We re bringing the vendors to you a great chance to explore a new product or service. Be sure to bring your punch-card (found in your tote bag at registration) for a chance to win some incredible giveaways! GET UP AND GET GOING! Join us for light morning exercises to start your day off right. Sponsored by Priority Health. HANDOUTS BEST 2016 is paper-light. All available handouts are online only. Download, print in advance or share! Meeting rooms have free wi-fi. Visit http://bit.ly/besthandouts psb Perry Schools of Banking MBA PERRY SCHOOLS OF BANKING Perry alumni- gather your classmates and plan to attend. Stop by the Perry booth on the trade show floor and learn more about your path to success! GIVEAWAYS GALORE Our giveaway drawings will be on Friday morning on the trade show floor. Be sure to fill out your exhibitor punch card to be eligible! Must be present to win. VISIT HTTP://WWW.MIBANKERS.COM/BEST 9

BEST BANKERS EDUCATION SUMMIT AND TRADE SHOW REGISTRATION APRIL 6-8, 2016 GRAND TRAVERSE RESORT & SPA TRAVERSE CITY, MI PRIMARY REGISTRATION NAME: TITLE: BANK/FIRM: ADDRESS: CITY/STATE/ZIP: EMAIL: PHONE: FOOD ALLERGY/VEGETARIAN MEAL: Check here to approve release of your contact information to BEST exhibitors and sponsors (they may contact you with pre-show offers, to arrange appointments, etc.) AREA OF INTEREST (select one): You are not limited to attending only this track. COMMERCIAL LENDING CUSTOMER SERVICE/SALES EMERGING LEADERS HUMAN RESOURCES MARKETING OPERATIONS AND TECHNOLOGY RETAIL LENDING ADDITIONAL REGISTRANT NAME: TITLE: BANK/FIRM: ADDRESS: CITY/STATE/ZIP: EMAIL: PHONE: FOOD ALLERGY/VEGETARIAN MEAL: Check here to approve release of your contact information to BEST exhibitors and sponsors (they may contact you with pre-show offers, to arrange appointments, etc.) AREA OF INTEREST (select one): You are not limited to attending only this track. COMMERCIAL LENDING CUSTOMER SERVICE/SALES EMERGING LEADERS HUMAN RESOURCES MARKETING OPERATIONS AND TECHNOLOGY RETAIL LENDING MULTIPLE DISCOUNT If received by March 23, 2016. Register together! Save money! Multiple discount is not available for late or non-member registrations. CANCELLATIONS/ SUBSTITUTIONS Registration fee will be refunded if received in writing by March 23, 2016, less a $25.00 processing fee. Substitutions are always welcome. Please email mbaregistrations@mibankers.com with your request IT S EASY TO REGISTER! MAIL: Michigan Bankers Association 507 S. Grand Ave. Lansing, MI 48933 PHONE: (517) 485-3600 FAX: (517) 487-1235 EMAIL: mbaregistrations@mibankers.com ONLINE: http://messageblocks/best2016 REGISTRATION FEES BY MARCH 23, 2016 AFTER MARCH 23, 2016 # ATTENDING SUB-TOTAL MBA Member Single Registration $299 $329 Prospective Member Single Registration $590 $590 MBA Member Multiple Discount (2 or more attendees)* $269 N/A Wine Tour $75 N/A TOTAL REGISTRATION FEE $ *Multiple discount (from the same bank or firm) if received by March 23, 2016. Register together! Save Money! Multiple discount is not available for late or non-member registrations. METHOD OF PAYMENT (CHECK ONE) CHECK PAYABLE TO THE MICHIGAN BANKERS ASSOCIATION CHARGE MY: MASTERCARD VISA AMEX CARDHOLDER NAME: CREDIT CARD NUMBER: SIGNATURE: PLEASE INVOICE (MEMBERS ONLY) EXP. DATE:

BEST BANKERS EDUCATION SUMMIT AND TRADE SHOW SEE YOU IN TRAVERSE CITY APRIL 6-8, 2016 507 S. Grand Ave. Lansing, MI 48933