Grand Ole Opry® • May 15, 7:00 p.m. What began as a simple radio broadcast from Nashville, is today one of the true icons of American entertainment. The Grand Ole Opry showcases the best in country music from new stars, superstars and legends live on the Opry stage. Every week, the Grand Ole Opry blends the excitement of a live audience, the heritage of the world’s longest-running live radio show(it first went on the air in 1925), and an incredible mix of country music talent to create a uniquely American experience like no other. Premium Gold Circle tickets are available for

Nashville attractions and entertainment await you outside the conference center. After networking and enjoying heavy hors d’oeuvres during Tuesday night’s recep-tion (May 15, 2007), FSI has arranged for you to purchase premium event tickets at the Grand Ole Opry and the General Jackson Showboat if you choose to attend.

For your convenience, FSI has reserved a limited number of tickets for each event. It is important that you make your requests as soon as possible. Deadline for tickets reservations is April 6. Reserved tickets will be distributed at the conference.

21st National In-Store Banking Conference

May 15-17, 2007Gaylord Opryland Resort

& Convention CenterNashville, Tennessee

Music to My Ears...

Nashville Attractions and Ticket Information

Reserve by

April 6

Ticket sales will be confirmed via e-mail or fax. *Make check payable to Financial Supermarkets, Inc. and mail to FSI/Heather Woodall, P.O. Box 1900, Cornelia, GA 30531

Mr. Miss Mrs. Ms. Name _________________________________________________________________________

Company _________________________________________________________________________________________________

Address _________________________________________________________________ State ___________ Zip ___________

Phone _____________________ Fax ________________________ E-mail __________________________________________

Enter the number of desired tickets:

Grand Ole Opry Gold Circle ($47.50 each) __________ Tier 2 ($33.75 each) __________

General Jackson Tier 1 ($89.14 each) __________

EVENT TICKET ORDER

Three ways to register:Internet: www.supermarketbank.comFax: Complete the form below and fax to 706-776-7269Mail: Complete the form below and mail to: FSI/Conference Registration P.O. Box 1900 Cornelia, GA 30531

FSI Members are allowed one FREE registrant per FSI Mem-ber branch currently open or plan to be opened by August 1, 2008. Additional associates may register at reduced rates. All conference registrations postmarked by April 6 will receive a discount off the registration fee.

Early Bird Discount (by 4/6/07) by 4/6 after 4/6Primary FSI Member Registration FREE FREEAdditional FSI Member Registration $425 $499Non-FSI Member Registration $1279 $1499Guest (includes meals, breaks & socials only) $330 $389

Special Resort Rate $179(Mention Code X-FSMI)

Make reservations by April 13th to receive the special rate! Call 866-972-6779

Primary Registrant Additional Registrant Non-Member Guest Guest of ______________________________

Mr. Miss Mrs. Ms. Name _________________________________________________________________________

Title _____________________________________________________________________________________________________

Company _________________________________________________________________________________________________

Mailing Address ___________________________________________________________ State ___________ Zip __________

Phone _____________________ Fax ________________________ E-mail __________________________________________

Please copy this form for additional registrations.

Registration will be confirmed via e-mail or fax. Total Amount Due: $_______________ Check enclosed

Invoice Me Send Credit Card Auth. Form by fax or e-mail

(MasterCard, VISA or American Express accepted)

One of our most popular events of the conference is the Idea Exchange. This collection of proven, real promotions is on display for all attendees to explore. FSI in-store branch managers and staffs compete for cash prizes by submitting their best ‘doggone’ promotions. The winners are determined by attendee votes. In the PA Round Up, FSI in-store branch associates submit PA Announcements used in their branch. For each PA Announcement submitted, the participant’s name is entered into a drawing for a prize. Bonus!! All Idea Exchange and PA Round Up entries are included in the conference notebook to take back to your institution. Winners are announced at the conference. For more information, visit our website, www.supermarketbank.com and click on Events and Forms.

Idea Exchange & PA Round Up

Gaylord Opryland® is recognized around the world for its extraordinary service, luxurious accommodations and first-class entertainment. Located just 10 minutes from the Nashville International Airport, the Gaylord Opryland® Resort and Convention Center is home to nine acres of lush indoor gardens, winding rivers and pathways, and sparkling waterfalls where you can unwind, explore, shop, dine and be entertained to your heart’s content.

Idea Exchange

In-Store Never Sounded So Good!

Starting at $33.75

$47.50 per person as well as Tier 2 tickets for $33.75 per person. Visit www.opry.com to learn more. View an FSI group seating chart online at www.supermarketbank.com. Tickets will be assigned on a first come, first served basis and are non-refundable.

General Jackson Showboat®

May 15, 6:15 p.m. boarding/7:00 p.m. departure The General Jackson Showboat is a 300-foot long vessel styled in the grand tradition of the paddlewheel riverboats that cruised the great Southern waterways in the 1800s. This beautiful showboat has four massive decks which offer a variety of dining and enter-tainment options while cruising the Cumberland River in Nashville. The Showboat is known for its fabulous shows that are performed in the beautiful two-story Victorian Theater located in the center of the boat. Pricing includes a three-course meal. cruise and show for $89.14 per person (tax and service charge included). Cancellation policy: Full refund if cancelled prior to April 14; 50% refund if cancelled April 15-May 12; no refund if cancelled after May 13. For more information about the Showboat, see www.generaljackson.com.

For more information about event tickets, contact Heather Woodall, FSI, at 800-992-4978.

TRANSPORTATION: Gaylord Opryland® offers complimentary shuttle service to the Grand Ole Opry and General Jackson Showboat.

$89.14 per person

Registration Form

Total Amount Due: $_____________ Check enclosed Invoice Me Send Credit Card Auth. Form by fax or e-mail (MasterCard, VISA or American Express accepted)

E.R.P (Employee Recognition Program) and feedback from its customers.

Morning Break

PANEL DISCUSSION

Making the Most of Your In-Store Program: How to Market Your Products and Services, Brand Effectively and Perform Profitably in the Retail Environment Given the diminishing availability of space to provide marketing messages to prospective customers in the in-store environment, how can you build relationships with shoppers to increase touch points with your target audience? Where do incentive plans & hiring come into play? What makes a branch successful? Our panelists will share their experiences—good and bad. Audience participation will be encouraged.

Panelists include:t Joshua GuttauChief Financial OfficerTS Bank Treynor, IA

u Marc HealyAVP, Branch Operations

Desert Schools Federal Credit Union

Phoenix, AZ

t William S. Loyd Director of MarketingCommunity Bankshares, Inc.Cornelia, GA

u Ray SpringsteenSVP, Member Services

Service Credit UnionPortsmouth, NH

12:00 – 1:30 p.m. • Lunch (Provided by FSI)

1:30 – 3:00 p.m. • Breakout Sessions

SENIOR MANAgEMENT BREAKOUTIn-Store Benchmarking Chuck StroupEVP, In-Store & On-SiteBranch Division ManagerU.S. BankCincinnati, OH Chuck has over twenty-five years experience in the financial services industry and has been with U.S. Bank (f.k.a. Firstar, f.k.a. Star Bank) since 1987. He has line responsibility for their five hundred plus in-store locations and has managed the In-Store line of business since 1995. In this

Introducing the Star Performers... Nashville…Music City…A city famous for its musical talent… where recording stars are discovered, developed, cultivated… fine-tuned for stardom… Like the city, the Financial Supermarkets, Inc. National In-Store Banking Conference provides the opportunity for discovery, self-development, and cultivation. Discover new ideas and potential elements to add to your in-store program. Develop leaders and compose a team in perfect harmony. The renewed enthusiasm that follows the conference can take your program to the next level. Allow yourself the opportunity to hear best practices for your program. Learn from our “star performers.” Engage in networking and brain-sharing with over 200 other in-store bankers and financial service providers. Finally, be prepared to return and develop your financial institution into the “star performer” of your market and industry. You CAN make it to the top!

Monday, May 144:00 – 7:00 p.m. • Early Registration

Tuesday, May 1512:30 – 1:30 p.m. • Registration(Light snacks provided)

1:30 – 4:00 p.m. • General Session

Invent Business Opportunities No One Else Can Imagine Art TurockArt Turock & AssociatesKirkland, WA When the stone tablets containing the Ten Commandments for Business Success come down from Corporate Mount Sinai, they will include: “Ask customers what they want and give it to them.” But is it all that simple? Unless you are blessed with Jules Verne-like visionary customers, their answers to surveys and focus groups will be minor tweaks on what the industry is already providing — not exactly the input that fuels bold innovation. Sales goldmines lie in recognizing and offering solutions to “latent needs”, that is, what customers might value but have never experienced and would never think to ask for. But how

21st National In-Store Banking Conference

do you know your customers’ needs before they do? This program covers five integral elements for inventing business opportunities no one--your customers or competition--can imagine.

4:00 – 5:00 p.m. • Free Time

5:00 – 6:00 p.m. • Evening Social

Wednesday, May 168:00 – 9:00 a.m. • Continental Breakfast

9:00 a.m. – 12:00 p.m. • General Session

Retailing to the 10th Power Kevin CoupeFounder & “Content guy”MorningNewsBeat.comDarien, CT There are 10 “Big Ideas” of modern retailing that every marketer needs to know. Based on his extensive reporting, conversations with some of the world’s best retailers, impressions gleaned from two decades of traveling the world, and the news and commentary he writes every day on MorningNewsBeat.com, Kevin Coupe has created a set of “marching orders” that thought leaders need to listen to, consider and adopt. Kevin is the founder and “Content Guy” of MorningNewsBeat.com, a daily news and information site for retailers and manufacturers that features “Retail News with a Point of View,” reaching thousands of people and businesses each day.

There’s a New Sheriff in Town: The Evolution of Client Service at The Heritage BankJason FloydFirst Vice PresidentThe Heritage BankHinesville, gA Jason will present an overview of The Heritage Basics, The Heritage Bank’s fifteen point system developed to enhance their CLIENTS’ experience. Find out what brought this 96-year old institution to the conclusion that it needed to enhance its service culture and what you can implement at yours. Learn the specifics about Wyatt

presentation Chuck will share actual results of over 500 in-store branches, including averages and benchmarks for loans, deposits, and fee income. U.S. Bank’s in-stores are located in nineteen states with over forty-two different retail grocery partners. In-Stores continue to be an important piece of their delivery strategy and one of the highest growth businesses within their institution.

Banking the UnbankableTim BodePresidentStratis TechnologiesLouisville, KY The secret is out: checking account customers can be very profitable customers! Because this is now common knowledge, the competition for checking customers is intense, and we look for new ways to increase our checking account base. One intriguing way to achieve this is by offering a checking account to some customers who previously would have been turned down due to their credit history. We will discuss and illustrate just how a financial institution can best achieve this goal of serving a larger portion of its market, but in a way that: • controls risk • protects your institution’s reputation • meets and exceeds the customer’s expectations • is very profitable!

BRANCH MANAgEMENT BREAKOUTMaximize Your Influence as the Middle Man!Joshua guttauChief Financial OfficerTS BankTreynor, IA As a branch manager (the middle man) you have the opportunity to influence management and employees. Are you taking advantage of this opportunity? For this CFO, the bank’s most important asset is not on the balance sheet, but on the frontlines of the branch. Employees! These assets have to be managed and coached; hear proven ideas about how to do this. As a bonus, learn how to exercise your influence by using effective communication tactics when sharing ideas with and asking for more resources from Senior Management. Find out what is “music to their ears.” This session will provide you with tangible tools to take back and use for yourself.

Roundtable Discussion Given specific topics to explore, branch managers will have the opportunity to divide into smaller diverse groups, brain-share knowledge and experiences, and learn real-world strategies that work!

3:00 – 5:15 • General Session (continued)

Afternoon Break

Roundtable Presentations From short, condensed presentations, you will have a chance to learn the revealed thoughts, challenges, opportunities, and brainstormed ideas of in-store managers as discovered in the Branch Manager Breakout.

7 Unforced Errors Sales Managers MakeDaniel KimVice President & Regional ManagerBank of HawaiiHonolulu, HI Mental intelligence is not a cure for doing dumb things. Look at any newspaper and you will find example after example of really smart people who shoot themselves in the foot: Martha Stewart, Kenneth Lay, Dennis Kozlowski, etc. This topic explores the concept of unforced errors or self-sabotaging mistakes people make that are not only avoidable…but dumb! Attendees will discover 7 ways to recognize and eliminate unforced errors in work and their personal lives.

5:30 – 7:00 p.m. • Evening Social

Thursday, May 17 7:00 – 8:00 a.m. • Continental Breakfast

8:00 – 11:30 a.m. • General Session

Jack Be Nimble, Jack Be Quick:50 Marketing Ideas in 50 MinutesChristyn DivineDirector of MarketingTIB BankNaples, FL Fifty great marketing ideas you can use now to attract, retain, and expand customer relationships at your in-store branch. Learn how to develop implementation tactics that will allow you to get your ideas to “market” quicker and be more ”nimble” in reacting to market opportunities without getting “burned by the candle you have lit at both ends.” Bring some of your own best ideas to share with the group.

“From the Field” Presentations Learn the success stories from the folks who have experienced first-hand what has worked in-store — promotionally, operationally, and motivationally.

t Debbie PierceVP, Branch ManagerThe Citizens State BankMoundridge, KS

u Enrique RiveraBranch Manager

Idaho Central Credit UnionIdaho Falls, ID

Morning Break

FSI Award Presentations

2006 U.S. Bank In-Store Branch Manager of the YearU.S. Bank To be determined in February of 2007, this very special manager is sure to be a fantastic source of information and knowledge. Chosen from over 500 in-store branch managers within the U.S. Bank network, this U.S. Bank-honored individual has met a stringent set of criteria (growth in loans, core deposits, non-interest income and controlled expenses) and proven exemplary leadership. Become inspired and learn his/her secrets to in-store banking success!