IBAT

Winter Summit

XIII

February 10-12, 2013

Harrah’s at South Lake Tahoe

Education designed specifically for community bankers

Sunday, February 10

4:00-6:30pm Registration

5:30-6:30pm Opening Reception

6:30-8:30pm Group Dinner

Monday, February 11

7:30am Breakfast/Best Practices/Networking

8:00-10:00am General Session - What’s New With the Regulators

Charles Cooper - Banking Commissioner, Texas Department of Banking

Randy Fenimore - Assistant Deputy Comptroller, Office of the Comptroller of the Currency

Joe Meade - Deputy Regional Director, Federal Deposit Insurance Corporation, Dallas

Ann Worthy - Senior Vice President, Federal Reserve Bank of Dallas

An opportunity to candidly discuss the pertinent issues of the day with the leading bank regulators in this region. Topics covered will include:

• The evolving regulatory process

• State of the industry

• Capital Planning, Basel Implications

• The compliance avalanche

• Risk management

• Dealing with Dodd—Frank

• Examination “hot buttons”

4:30-6:30pm Apres-Ski - General Session - Hot Issues - Cool Guys: A Dialogue with the Banking Lawyers

Rick Brophy - Beard Kultgen Brophy Bostwick Dickson & Squires LLP, Waco

Chet Fenimore - Partner, Fenimore, Kay & Harrison, LLP, Austin

Justin Long - Partner, Bracewell & Giuliani, LLP, Austin

Three of the preeminent banking lawyers in Texas will address current issues impacting your bank and your bottom line, including mergers and acquisitions, compliance, emerging legislative and regulatory issues, taxes, FASB initiatives, executive compensation and other “hot issues”...and will address your questions in a relaxed and informal setting.

7:00pm Group Dinner -

Tuesday, February 14

7:30am Breakfast/Best Practices/Networking

8:00-10:00am Open Forum—A Panel discussion with the regulators and

attorneys.

4:30-6:30pm Apres-Ski – More “Stuff” to Worry About: A Focus on Risk Management Scott Sharp – Chief Technology Officer – Sharp BancSystems, Bedford The business of banking is centered around effectively managing risk. The frequency and severity of unanticipated losses is on the up-tick. Join in a facilitated discussion on threats to your bank, with real world recommendations to minimize your exposure. Topics will in-clude: corporate account takeover, internet banking vulnerabilities, internal and external fraud schemes and effective control protocols.

How to Get to Lake Tahoe

Lake Tahoe is approximately 45 miles from the Reno/Tahoe International Airport.

Airport Shuttle Service:

South Tahoe Express offers shuttle service from the Reno/Tahoe International Airport to the South Lake Tahoe hotels with 11 departures daily. This worry-free transportation is also low cost: only $27.50 per person each way or $49.00 per person round trip (plus fuel surcharge of $2.00 for one-way and $3.50 for round trip). To purchase tickets, call South Tahoe Express at 866/89-TAHOE or visit their web site at www.southtahoeexpress.com.

Airport Limo Service:

Sierra West Limousine offers sedan to SUV limo service from the Reno/Tahoe International Airport to the South Shore hotels. Prices range from $162-267 depending on the limo size (pricing includes fuel surcharge). For reservations call 877/347-4789.

Where to Stay

Accommodations and meetings are again at Harrah’s. Harrah’s is in beautiful South Lake Tahoe in the Sierra Nevada Mountains and is two blocks from the gondola at the Heavenly Ski Resort. Each standard guest room is deluxe-sized with over 500 square feet of space that includes a king or two double beds, plus two complete bathrooms. Harrah’s web site is www.harrahstahoe.com.

IBAT Winter Summit attendees have a special room rate at Harrah’s. Single or double occupancy is $99 per night, Sunday-Thursday, and $169 per night Friday-Saturday. Reservations will be guaranteed with a deposit of the first night’s room and tax. Specific room requests are not guaranteed, however, every effort will be made to facilitate each request. The hotel’s cancellation policy is 72 hours prior to arrival to avoid a charge of first night’s room and tax. To reserve a room, please complete the housing form and mail or fax to IBAT by January 13, 2013.

Skiing at Heavenly

Heavenly (www.skiheavenly.com) is a mountain sprawling over 4,800 acres with nine mountain peaks. The skiable area ranges from 6,540 to 10,067 feet. The mountain has 30 lifts, 15 in California and 15 in Nevada, with 91 exhilarating runs. Skiing and snow-boarding are allowed on the mountain. Heavenly offers lessons, clinics, and rental equipment. Heavenly has a gondola lift which is two blocks from Harrah’s.

If at least 20 people are interested in purchasing lift tickets for Heavenly, IBAT will qualify for a group discount. If you are interested in purchasing a lift ticket, please complete the informa-tion on the registration form and return to IBAT by January 7, 2011. The order for the lift tickets will be placed the following week. At this time, the 2010–2011 lift ticket prices have not been published.

Activities in Lake Tahoe

If you are not a skier, there are still plenty of activities in Lake Tahoe. Other outdoor activities include snowmobiling, snowshoeing, sleigh rides, and dog sledding.

If you are not afraid of heights, you can ride the Heavenly gondola up 2.4 miles to an observation deck and get spectacular views of the mountains and lake.

If relaxing is your priority, try Reflections The Spa inside Harrah’s, integrating the finest health and beauty treatments from around the globe - Roman Baths, Turkish Steam, Finnish Saunas and Swedish Massage. These worldly options along with Holistic Skin Treatments create a sensuous experience designed to relax, refresh and revitalize the mind, body and spirit.

Registration IBAT and Leadership Division member registration fees include all education sessions and handout materials, opening reception and dinner on Sunday, breakfast on Monday and Tuesday, hors d’oeuvres and refreshments during the Monday and Tuesday afternoon sessions, and reception and dinner on Monday night.

Spouse/guest fee includes only the opening reception and dinner on Sunday and dinner on Monday night.

Registration Fees: Register before January 7 to receive the Early Bird Discount!

Before 1/13 After 1/13 IBAT Member $470 $510 Leadership Division Member $440 $465 Spouse/Guest $200 $220

Tax Deduction: The IRS now requires a notice on all registration forms, which in-forms the attendee of the amount of the registration fee representing food and bev-erage that is deductible as an ordinary business expense. We estimate the food cost portion of your basic registration fee is $250. Please contact your accountant or tax advisor for further details.

Cancellation Policy: Registration cancellations received on or before January 4, 2013 will be refunded in full. Cancellations received January 5-13 will be refunded less a $75 administration fee. Any cancellations received after January 13 will not be refunded. Substitutions are allowed and encouraged.

Consent to Use of Photographic Images: Registration and attendance at, or partici-pation in, IBAT meetings and other activities constitutes an agreement by the regis-trant to IBAT’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in photographs, videotapes, electronic reproductions and audiotapes of such events and activities.

Sponsors The following sponsors have contributed to the success of the IBAT Winter Summit XI. A final list will be printed in the attendee handout material.

Condley and Company, LLP

Fenimore, Kay & Harrison, LLP

Bracewell & Giuliani, LLP

Beard Kultgen Brophy Bostwick Dickson & Squires, LLP

REGISTRATION FORM IBAT Winter Summit — February 10-12, 2013

SR-011

Please Print

Name Title

Bank/Firm Email

Address Tel. No.

City/State/Zip Spouse/Guest

Individuals in need of special assistance with regard to this program are requested to contact the registrar at least 5 days before the meeting so that appropriate arrangements can be made.

□ I am interested in group lift tickets.

Please select your payment method.

□ Check enclosed □ Credit Card (Discover, MasterCard, Visa) □ Invoice

Name as it appears on card

Card Number Expiration

Signature

Billing Address on Card

Mail it in: IBAT Education Foundation 1700 Rio Grande St., Ste 100 Austin, TX 78701

Fax It In: 512.322.9004

Early Bird Discount! Register Before January 13 IBAT Member $470 Leadership Division Member $440 Spouse/Guest $200

Pricing After January 13 IBAT Member $510 Leadership Division Member $465 Spouse/Guest $220

Hotel Reservation Form – Harrah’s

Complete and return to IBAT if you require hotel reservations. Only one reservation per form; make copies for additional room res-ervations. Reservation cutoff date is January 13, 2013. After this date, rooms cannot be guaranteed. Specific room requests are not guaranteed, however, every effort will be made to facilitate each request. Cancellations or changes must be made through IBAT at least 72 hours before your arrival date to avoid penalties. Two adults per room – additional adults are $20 each. Sunday through Thursday $99; Friday and Saturday $169 per night plus 10% occupancy tax. Check-in time: 4:00 pm; Check-out time: Noon.

Name for reservation

Arrival Date Departure Date

#of people in room Room Preference (circle one) King / Double

Special Requests

Name as it appears on Credit Card

Card type ( Circle One) Visa / MasterCard / Discover / AMEX

Account Number Expiration

Signature