Direct Deposit
   
  DIRECT DEPOSIT IS Quick…Easy…Safe
   
  Millions of Americans already know the many benefits of Direct Deposit.
You should, too!

Government studies show that Direct Deposit of checks and benefit payments is every bit as safe and reliable as traditional deposit methods. The Social Security Administration has used Direct Deposit for benefit payments since 1976 and has never lost a payment.
   
  DIRECT DEPOSIT IS…
   
QUICK
  Your money is electronically transferred into your account and available to use instantly once the transfer is complete…there’s no need for special trips to your bank to deposit a check. With direct deposit, your money is ready to use on the day of transfer.
   
RELIABLE
  Direct Deposit puts money in your account on time, every time. There’s no "check-hold" delay; nothing to get lost. If you move, you won’t have to wait for your check to catch-up with you. You can rest assured that your money will always be in your account on the day of transfer.
   
CONVENIENT
  There’s no need to arrange for a special deposit or trip to the bank – a real convenience when you are away from home on vacation or business. Your funds are credited to your account, safe and ready to use, whether you’re at home or halfway around the world.
   
SECURE
  Worries about lost, stolen or misplaced checks are a thing of the past with Direct Deposit. With the electronic trail that direct deposit leaves, payments are easier to track than paper checks.
   
  FAQS ABOUT DIRECT DEPOSIT
   
  Here are answers to some Frequently Asked Questions (FAQs) about Direct Deposit.
   
  What types of payments can be made by direct deposit?
  Any ongoing, regular payment is eligible, including
– Payroll
– Benefit checks from the Federal government
– Benefit checks from state government
– Pension payments
– Investment income payments
– Tax refunds
   
  How is my money deposited into my account?
  The payor (your employer, for example) wires to you r bank account the correct amount on a predetermined date. Your bank then deposits this money into your account on the specified date.
   
  When is my money available?
  The morning of the payment date. Your money is often deposited in your account before the banks opens!
   
  Can I stop using Direct Deposit if I change my mind?
  Yes. Simply instruct the payor (e.g., your employer) to discontinue the service.
   
  Is Direct Deposit covered by Federal Insurance?
  Checking and savings accounts are insured by the Federal Deposit Insurance Corporation (FDIC), with coverage up to $100,000 per person per account.
   
  IRS DIRECT
  A Direct Deposit Service from the IRS and Your Bank
   
  Millions of taxpayers are having their tax refunds transmitted directly to their bank account. According to the Internal Revenue Service (IRS), Direct Deposit enables the IRS to deposit your refund up to 3 weeks earlier than if you were to receive it by mail. Since the money is recorded in your account immediately, you can put your tax refund to work right away.

To choose this service, simply include your bank information directly on your 1040 tax form in the section labeled "Refund."

Your banker can give you all the information you need to take advantage of IRS Direct. Call today.
   
  Contact your banker today to learn how you can take advantage of Direct Deposit!
   
  © 2003 America’s Community Bankers
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Program Content

ACB Presents Great Speakers to Inform, Inspire, Educate and Entertain You


Ted Koppel – Insight Spanning the Decades
News Anchor, Columnist & Writer

Ted Koppel, one of the most respected anchors in the news business, said goodnight to Nightline and began a new phase of his distinguished career. He is managing editor for The Discovery Channel where he continues to give in-depth reporting on global issues. He is also a contributing columnist for the New York Times and gives regular commentary on National Public Radio. Mr. Koppel has won every major broadcasting award, and is now winning new fans for his thoughtful commentary on the lecture circuit.
 
James Bradley – Accomplishing the Impossible
Best Selling Author

James Bradley will tell you about heroes who achieve the impossible through leadership and teamwork. Mr. Bradley burst onto the national scene as an author with his New York Times #1 bestseller, Flags of Our Fathers, the story of the six boys who raised the American flag on Iwo Jima. The Times called it “the surprise runaway nonfiction best seller of the season.” Steven Spielberg acquired the movie rights. Clint Eastwood is directing Flags of Our Fathers for a late 2006 release. For Mr. Bradley, this is a personal story. His father, John Bradley, was one of the six flag raisers on Iwo Jima. Bradley’s second book, FLYBOYS, also a New York Times bestseller, is the secret story of eight American flyboys who were beheaded on the island next to Iwo Jima in World War II, and the ninth who escaped. His name is George H. W. Bush.
 
An ACB Political Debate Between Bill Kristol And Mike McCurry
You can call it Point/Counterpoint, Crossfire or Crosstalk. We call it a debate between two of the sharpest political minds in Washington on the 2006 elections, prospects for 2008, and where this country is headed at home and abroad.
 
William Kristol
Best Selling Author & Former Political Appointee

William Kristol is one of the nation’s leading political analysts and commentators. He regularly appears on FOX News Sunday and the FOX News Channel. As an advocate for a strong American foreign policy, he has been a leader in that debate since September 11th, and continues to drive the conversation as coauthor of New York Times bestseller, The War Over Iraq. He is the editor of the influential Washington-based political magazine, The Weekly Standard, which he started. Mr. Kristol was Vice President Dan Quayle’s chief of staff and chief of staff to Secretary of Education William Bennett during the Reagan administration.
 
Michael D. McCurry
Partner, Public Strategies Washington, Inc. & former White House Press Secretary

Mike McCurry sparred daily with the White House press corps as President Clinton’s press secretary from 1995 to 1998. He was a State Department spokesman and director of communications for the Democratic National Committee. Mr. McCurry is a veteran communications strategist and spokesperson with nearly three decades of Washington experience. Today he provides strategic communications counsel to an impressive roster of corporate and non-profit clients.

Other Key Speakers
The Honorable Ben S. Bernanke
Chairman, Board of Governors of
The Federal Reserve System,
Washington, DC
Gary Lewis Evans
President & CEO, Bank of
Internet USA, San Diego, CA
   
The Honorable John M. Reich
Director, Office of Thrift Supervision,
Washington, DC
F. Weller Meyer
ACB Chairman and Chairman,
President & CEO, Acacia Federal
Savings Bank,
                            Falls Church, VA
   
The Honorable John C. Dugan
Comptroller, Office of the
Comptroller of the Currency,
                            Washington, DC
Mark E. Macomber
ACB First Vice Chairman and
President & CEO, Litchfield Bancorp, Litchfield, CT
   
Mark T. Doyle
Chairman, President & CEO,
Second Federal S & L
                            Association,
                            Chicago, IL
Diane Casey-Landry
President & CEO,
America’s Community Bankers,
                            Washington, DC
   
Paul M. Pantozzi
Chairman & CEO
The Provident Bank
Jersey City, NJ
Barbara Rehm
Assistant Managing Editor
American Banker
Washington, DC
 
   
The Honorable Sheila C. Bair
Chairman
Federal Deposit Insurance Corporation
Washington, DC
 

Concurrent Sessions
Solution Sessions for Today’s Community Banking Issues

Seeking solutions to tough issues impacting your bottom
line? Come explore our topic focused, interactive
concurrent sessions highlighting Innovation & Growth
Strategies, Risk Management & Governance, and Hot
Topics.

Innovation & Growth Strategies

Client Acquisition & Retention Through Product Mastery
Attracting and retaining profitable clients remain a constant challenge for community bankers, especially in current market conditions. Learn how to enhance your staff’s product knowledge and transform more service occasions into sales opportunities.
Margie Kensil, Senior Vice President, Director of Strategic Sales and Service, Omega Performance Corporation, Charlotte, NC
Denise Wilson, Vice President, Director of Opportunity, Capital City Bank, Tallahassee, FL


Investment Portfolio Growth Strategies
Rising bond yields offer attractive options for asset managers as economic growth softens and the Fed nears the end of a tightening cycle. Join Market Strategists from Stifel Nicolaus to discuss the alternatives available to banks in an environment where yields on bond investments are rising and moving closer to those earned on loans. The Strategists will offer information that you may use to determine the allocation of funds to loans or investment portfolios.
James DeMasi, First Vice President, Stifel Nicolaus & Co., Inc., Baltimore, MD

How to Effectively Access the Capital Markets
Optimal capital structures are key for growth. Hear
the macro review of today’s capital markets, key market
trends, and investor interest in bank equity and debt
securities. Plus, review capital structures and how they
can optimize your balance sheet. Learn how to raise
capital through public offerings or private placements.
Allen G. Laufenberg, Managing Director, Stifel Nicolaus & Co., Chicago, IL

Know What De Novo’s Know
More than 200+ new banks have sprouted up in the U.S. since 2005. Where are they, what business opportunities do they see, and why are investors and customers flocking to them? Learn how highly engaged directors are a critical differentiator. Focus on how established bankers and de novos can glean valuable lessons from the new breed of entrepreneurs.
James F. Montgomery, Chairman of the Board, Frontier Bank, FSB, Sherman Oaks, CA
Donald J. Musso, President, FinPro, Inc., Liberty Corner, NJ

Risk Management & Governance

How Does Your Bank’s Corporate Governance
Stack Up?

Corporate governance experts discuss best practices
and latest trends in critical areas, including succession
planning, board evaluation, board committees, internal
investigations and internal controls.
Paul M. Aguggia, Chairman, Muldoon, Murphy & Aguggia, LLP, Washington, DC

Keys for Effective Enterprise Risk Management
Top performing community banks understand the key
role that an effective ERM program can have in allowing
their banks to minimize losses and maximize their bank’s earnings. Learn the keys to developing an effective ERM system at this highly interactive session.
William A. Markel, CPA
Executive-in-Charge—Financial Institutions Group, Risk Management Practice, Crowe Chizek & Company, LLC, Oakbrook, IL


Disasters (Avian Flu, Hurricanes, and Earthquakes, etc.) Impact Your Bottom-line
Discuss natural disasters and their differing risks.
Preparation, responsiveness, and recovery – all key to
maintain customer service. Hear how to address
business continuity, supporting remote workers, and
emergency communications. Learn to demonstrate
leadership, empathy, and competence to reduce employee and customer anxiety.
Anthony Lowe, Deputy Regional Director for Risk Management, Federal Deposit Insurance Corporation, Dallas, TX
Dr. Toby Merlin, Center for Disease Control, Atlanta, GA

Phishing, Spoofing, Cyber Scams, Man-in-the-Middle,
Breaches: What’s Next?

Anticipating new trends in cyber-fraud is like preparing
for the unknown. Experts predict future threats and how
banks are being targeted. Proactive banks impart lessons learned to minimize falling prey to these attacks and how to respond effectively to customers and the media if a breach crisis arises.
Gary Lewis Evans, President & CEO, Bank of Internet USA, San Diego, CA
Thomas J. Harkins, Chief Operating Officer, Edentify, Inc, Bethlehem, PA
Lawrence Levine, Managing Director & Co-Founder, SecurePipe, Inc., Troy, VA
Anthony Lowe, Deputy Regional Director for Risk Management, Federal Deposit Insurance Corporation, Dallas, TX

Hot Topics

Compensation: Strategies for Engaging &
Retaining Talent

You must find and retain top talent in today’s competitive market. Creating a compensation strategy to reinforce your bank’s objectives requires solid, competitive data. Hear success stories from banks and put ACB’s state-of-the-art compensation survey to work for you.
Shirley E. Broder, President, Broder & Associates, Vienna, VA
Angelo Kostopoulos, CEO, Akron, Inc. Washington, DC
William A. Donius, Chairman & CEO, Pulaski Bank, St. Louis, MO


E-Marketing: Effective Trends and Techniques
Learn how to integrate effective electronic
marketing activities to meet your bank’s strategies and
goals. See specific examples of best practices in web site design, e-newsletters and e-mail marketing techniques. Plus, find out how to track results.
Evelyn Ehrlich, President, EC Communications, New York, NY
Chris Lehtonen, Executive Creative Director, Asterix Group, Portland, OR


What’s Hot on the Regulators’ Radar?
Topics covered include: recent pronouncements from regulators on commercial real estate lending and alternative mortgage products, risk-based deposit insurance premiums, Basel capital proposals, what to expect in your upcoming examination and much more.
Scott Polakoff, Deputy Director, Office of Thrift Supervision, Washington, DC
Sandra Thompson, Acting Director of Supervision, Federal Deposit Insurance Corporation, Washington, DC

Dealing with Activist Shareholders
Activist shareholders or investors have become much more aggressive in their dealings with community banks of all sizes. Find out how experts recommend addressing different types of activism, including proxy battles, publicity campaigns, litigation, and negotiations with management.
Douglas P. Faucette, Partner, Lord Bissell & Brook LLP, Washington, DC

Guest Program

A New Age
We hear a new image of aging is emerging ... but is it really, and how can we all capture its essence? Is it something we can buy off the shelf? Does it involve technology and medical breakthroughs? Will it be merely a mindset and lifestyle? Absolutely .... to all the above. Join us as we journey through this new life stage and explore the real truth about what it takes to embrace every stage of life. Back by popular demand, Gerontologist, Author, and Speaker, Kelly Ferrin will present an enlightening, engaging and entertaining program that will again leave you believing age is just a number.

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