2006 National Risk Management & Finance Forum

Spring is the season of growth and renewal. And this April the Risk Management and Finance Forum will help energize and strengthen your bank practice and your staff by delivering key insights on effective enterprise risk management, vital updates on financial accounting and auditing standards and practical industry perspectives and advice.

For public, private and mutual banks alike, the focus on corporate governance, risk management and accounting issues has never been more Intense. In response to all the changes banks now face, ACB recently developed The National Risk Management and Finance Forum. The Forum brings together community banking professionals from across the country to learn about the changing dynamics of the industry, network with peers from across the county, and gather ideas.

Who Should Attend

Directors & executive officers

Finance, audit and accounting staff

Commercial Bankers

Credit Administration Executives

17 CPE Credits Available!

America’s Community Bankers is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Nashville, TN, 37219- 2417. Web site: www.nasba.com.
Questions regarding course content or other concerns should be directed to America’s Community Bankers’ Education Department at (202) 857-3193.

Keynote Speakers

GENERAL SESSION SPEAKERS

SUSAN SCHMIDT BIES
Governor, Board of Governors of the Federal Reserve System, Washington, DC
A Community Bank Perspective on Enterprise Risk Management
Before becoming a member of the Board, Dr. Bies was Executive Vice President for Risk Management and Auditor at First Tennessee National Corporation. Dr. Bies has been active in leadership positions for various organizations, including the Emerging Issues Task Force of the Financial Accounting Standards Board, the Committee on Corporate Reporting of the Financial Executives Institute, the End Users of Derivatives Association and the Bank Administration Institute.

SHIRLEY BRODER
President, Broder & Associates, Vienna, VA
Succession Planning
Broder & Associates, a full-service Management and Human Resource Consulting and Training
firm provides services in all aspects of Human Resource Management, Strategic Business Planning
services, facilitating planning sessions and writing business plans. Prior to 1985, Shirley spent 15 years as a senior Human Resource Executive with a variety of organizations in the Baltimore/Washington area. Currently, Her client base consists of business, industry, financial institutions, government, and healthcare. Shirely is a well-known speaker and trainer in the financial institution industry and has taught for the AMA.

DIANE CASEY-LANDRY
President & CEO, America’s Community Bankers, Washington, DC
Washington Perspective: ACB Addresses ERM for Community Banks
Since joining ACB in January 2000, Diane has focused ACB’s attention on providing strong advocacy, excellent educational programs, enhanced staff expertise, and new products and services, including the America’s Community Bankers NASDAQ Index—the unique community bank stock index. Prior to ACB,
she was a principal and National Director of Financial Services for Grant Thornton LLP where she was the Chairman of the Firm’s National Financial Services Committee and oversaw the Firm’s financial services practice.

R. TRENT GAZZAWAY
Managing Partner of Corporate Governance, Grant Thornton LLP, Charlotte, NC
Overall Controls
Trent is an audit partner and the partner- in-charge of corporate governance for Grant Thornton LLP. Trent’s experience includes auditing public and private companies, and assisting an array of companies in the improvement and documentation of effective systems of internal control. He assists large public companies in the development and execution of plans to restate their financial statements in the wake of internal control failures. Trent served as a leader in developing Grant Thornton’s national methodology for addressing the control certification and assertion requirements of Sarbanes-Oxley. In addition to managing the Firm’s corporate governance practice, he serves as a key resource in training personnel to audit internal controls over financial reporting in accordance with newly established auditing standards. He is one of four steering committee chairmen assisting in the development of the Open Compliance and Ethics Group’s framework for integrating governance, compliance, risk management, and integrity into all business processes.

WILLIAM A. MARKEL, CPA
Executive-in-Charge – Financial Institutions Group Risk Management Practice, Crowe Chizek and Company, LLC, Oak Brook, IL
Establishing a Risk Management Framework at your Community Bank
Bill works exclusively with financial services clients ranging from de novo institutions to those with assets in excess of $20 billion in providing: outsourcing engagements, including enterprise risk management, internal audit, loan review, regulatory compliance, and information risk management; audit services; tax consulting, including tax planning and return preparation; and merger and acquisition consulting.

SHARON L. STARK
Managing Director, Chief Fixed Income Strategist, Stifel Nicolaus & Company, Inc.
(formerly Legg Mason Capital Markets)
Baltimore, MD
Economic Outlook for Community Banks
Sharon is the Chief Fixed Income Strategist and director of the Fixed Income Research and Strategy Group. She frequently appears on CNBC, CNNfn, Reuters and Bloomberg News and is quoted in the financial press on her analysis of the economy and the bond markets. Sharon served as Deputy Assistant Director for Supervision at the Federal Deposit Insurance Corporation (FDIC) for five years. Through her participation in various policy-developing committees, including the Basel Committee for Banking Supervision and The Federal Financial Institutions Examination Council (FFIEC), she participated in the development of regulations on the use of fixed income securities and on the management of interest rate risk in banks.

JOSEPH R. SULLIVAN, CFMP
Founder, President and CEO, Market Insights, Inc., Chicago, IL
Profitable Growth Strategies for Community Bankers
Joe Sullivan is a consultant, professional speaker and psychotherapist. Market Insights, is an information-based consulting firm specializing in the development of strategic solutions for the financial services industry. As a successful businessman, educator and acclaimed public speaker, Joe enthusiastically shares his practical, no-nonsense approach to themes of leadership, growth and strategic action.

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Concurrent Sessions

Evaluating & Managing Your Bank’s Credit Risk Exposure
In this interactive concurrent session, participants learn how to identify, quantify and mitigate their bank’s credit risk exposure. They will also understand the role that credit risk assessment plays in establishing an overall enterprise risk management framework at their community bank.
Edward P. Schreiber, EVP, Chief Risk Officer, TD Banknorth, Inc. Portland, ME

Understanding Your Bank’s Exposure to Market Risk
Get insights on how to manage your balance sheet through challenging times and how to recognize, measure and diminish your bank’s market risk exposure. Participants attending this
interactive concurrent session will also understand the impact of market risk on their community bank’s overall risk profile.
James DeMasi, First Vice President, Stifel, Nicolaus & Co., Inc. Baltimore, MD

Gaining Insights Into Your Bank’s Exposure to Operational Risk
Understanding your community bank’s operational risk exposure is a key element in developing an overall risk profile for your community bank. Participants at this concurrent session learn not only about the concept of operational risk but also how this risk area can effect the other two ERM risk areas…credit risk and market risk. Actual community bank case examples will be cited to illustrate the importance of understanding operational risk. Strategies utilized by community banks to mitigate operational risk in their day-to-day operations are also discussed.
Charles R. Taylor, Director, Operational Risk, The Risk Management Association, Philadelphia, PA

Accounting Issues
Hear about recently issued and proposed accounting standards and how they will impact your financial institution such as: other-than-temarary and Impairment of Securities, FHLB Stock Valuation Issues, Accounting for Servicing Rights and Loan Participations.
Sydney K. Garmong, Financial Communications Executive Crowe Chizek & Co. LLC, Washington, DC
Dennis M. Hild, Senior Manager, Risk Management, Financial Institutions Group, Crowe Chizek & Co., LLC, Clifton, VA

Understanding CFO and Audit Committee Responsibilities
Empower your CFO and Audit Committee members to better understand each other’s responsibilities. CFOs learn how to provide the right information when reporting to the Audit
Committee. Committee members gain insight on how to absorb and interpret the information, enabling them to make better decisions.

Internal Controls
Maintaining and monitoring internal controls is an important aspect of risk management. Learn what you need to know about maintaining an internal control structure that fi ts the size and complexity of your institution. This session covers developments on the regulatory front, including changes in bank regulatory requirements, COSO’s guidance for maintaining an internal control structure in a small business, and section 404 of Sarbanes-Oxley. Tips on making compliance with your internal control reporting and attestation requirements more efficient and less burdensome are provided.
Todd Sprang, Partner, Regional Financial Institutions Leader, Grant Thornton, LLP, Chicago, IL
Ryan Verstraete, Director of Business Advisory Services, Grant Thornton, LLP, Minneapolis, MN

Managing the Audit Process
Internal audit is a critical function of any regulated financial institution. Hear the latest on effective techniques for managing that function and the external audit process. Experts discuss
how to make the most of your relationship with your external auditor and how auditor independence standards can impact that relationship.

Funding Strategies For Community Banks
Find out how to utilize funding alternatives as banks face a potential liquidity crunch in the near future. Hear about successful liquidity management strategies and characteristics of high performing Asset Liability Committees.
Frank Farone, Managing Director, Darling Consulting Group, Inc. Newburyport, MA

Bank Owned Life Insurance: More Than a Funding Mechanism
Marketplace dynamics are driving community bankers to evaluate and consider Bank Owned Life Insurance (BOLI) programs. Learn how to evaluate BOLI as an asset on the balance sheet and how it can be effectively implemented in your bank.
Meyer Chatfield, Corp. Jenkintown, PA

Nine Trends that are Driving Small Business and Middle Market Banking
Linda O’Connell, Manager, Small Business Banking Resrach Group, Barlow Research Associates, Inc. Minneapolis, MN.

Understanding Risks for Directors and Officers
A successful risk management program includes the right people, process, and technology. But even with the best practices in all of those forums, there is still no guarantee of avoiding loss. Insurance is the fourth piece of the puzzle. Join the NASDAQ Insurance Agency for an informative discussion of how management liability insurance policies can protect both the corporate balance sheet and the personal assets of the Directors and Officers.
Matthew C. Whitelaw , Managing Director, Nasdaq Insurance Agency, New York, NY
Dennis Gustafson, Vice President, Nasdaq Insurance Agency, New York, NY

Community Bank Tax Update
Charles A. Laetsch, Executive Financial Institutions Group, Crowe Chizek & Co., LLC, Ft. Lauderdale, FL

Portfolio Management

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Schedule At-A-Glance

Sunday, April 9

3 p.m. – 5 p.m.
Accounting Issues and SEC & Corporate
Governance Committee Meetings

3 p.m. – 5 p.m.
Commercial Banking Committee Meeting

2 p.m. – 7 p.m.
Registration & Information

6 p.m. – 7 p.m.
Welcome Reception

7 p.m. – 9 p.m.
Accounting Issues and SEC & Corporate
Governance, and Commercial Banking Committees Reception & Dinner (by invitation only)

Monday, April 10

7:30 a.m. – 4:30 p.m.
Registration & Information

8 a.m. – 8:30 a.m.
Continental Breakfast

8:30 a.m. – 10:15 a.m.
GENERAL SESSION

8:30 a.m. – 10 a.m.
Spouse and Guest Hospitality Room

10:30 a.m. – 12 Noon
CONCURRENT SESSIONS

12 Noon – 1:30 p.m.
Peer Group Sessions with box lunch

1:30 p.m. – 4:30 p.m.
CONCURRENT SESSIONS

Tuesday, April 11

7:30 a.m. – 4:30 p.m.
Registration & Information

8 a.m. – 8:30 a.m.
Continental Breakfast

8:30 a.m. – 10 a.m.
GENERAL SESSION

10:15 a.m. – 11:45 a.m.
CONCURRENT SESSIONS

11:45 a.m. – 1:15 p.m.
Lunch on your own

1:15 p.m. – 4:15 p.m.
CONCURRENT SESSIONS

5 p.m. – 6 p.m.
Reception

Wednesday, April 12

7:30 a.m. – 10:30 a.m.
Registration & Information

8 a.m. – 8:45 a.m.
Continental Breakfast

8:45 a.m. – 10:30 a.m.
CLOSING GENERAL SESSION

Keynote Speakers

Questions?
Contact Jodie Goff: (888) 872-0275, ext. 3158, [email protected]
Helen Sullivan: (888) 872-0275, ext. 3157, [email protected]
Bob Seiwert: (888) 872-0275, ext. 3125, [email protected]

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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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