National Conference for Community Bankers ABA

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					     Advance           ABA National Conference for
     Program
                       2009 Community Bankers


February 15–18, 2009
JW Marriott Desert
Ridge Resort & Spa
                       ConneCted for suCCess:
Phoenix, Arizona
                       Positioning Your Community Bank to Thrive in Changing Times
    Dear Colleague:                                                                                  2009 ConferenCe Working group

                                                                                                     Chair
    As co-chairs of the 2009 ABA National Conference for Community Bankers, we                       r. Daniel Blanton
    would like to invite you to this annual industry gathering—the premier event of                  President & CEO
                                                                                                     Georgia Bank & Trust
    its kind for community bank CEOs—where you and hundreds of your peers will                       Augusta, GA
    gain insights into industry trends, and discover answers to the many challenges
                                                                                                     ViCe Chair
    facing banks today.                                                                              Carolyn Mroz
                                                                                                     President & CEO
    Our conference theme for 2009 is “Connected for Success: Positioning Your                        Bay-Vanguard FSB
                                                                                                     Baltimore, MD
    Community Bank to Thrive in Changing Times.” Our banker working group has
    designed the program to provide you with information and advice on the latest                    Working group
                                                                                                     Susan Barrett
    industry developments, legislative and regulatory actions, and products and                      Executive Vice President
    services available to community bankers:                                                         Heritage State Bank
                                                                                                     Nevada, MO
    n Expert speakers on business, the economy and the banking industry, including
                                                                                                     Joseph Bouffard
      current Fed governor and former ABA chair Betsy Duke; Rich Karlgaard, Forbes                   President & CEO
      publisher, bestselling author and entrepreneur; leading work trends and                        Baltimore County Savings Bank, FSB
                                                                                                     Perry Hall, MD
      business futurist Peter Sheahan, and Dr. Daniel Shapiro, Harvard-based expert
      on negotiation and conflict resolution.                                                        paul Cornell
                                                                                                     Deputy CEO
    n “Meet Your Regulator” sessions—top regulators’ takes on compliance and                         SpiritBank
                                                                                                     Tulsa, OK
      the issues directly affecting your bank
                                                                                                     patrick glotzbach
    n Our annual Golf Tournament at the Marriott’s superb Wildfire Country Club                      President & CEO
                                                                                                     New Washington State Bank
    n Ample opportunity to share ideas with you in CEO roundtable discussions by                     New Washington, IN
      bank ownership, and as part of our popular Dine-Around Dinners
                                                                                                     Stephen goodenow
    n The latest news on the challenges facing our banks and our industry                            President
                                                                                                     Bank Midwest Minnesota Iowa, NA
    This Advance Program offers an overview of the remarkable sessions and other                     Okoboji, IA
    events you can look forward to at our upcoming conference. Please take time to                   Michael hannley
    look through it and note the sessions and extracurricular activities that interest you.          President & CEO
                                                                                                     Bank of Tucson
    Then visit www.aba.com to register, or fill out the registration form on the back of             Tucson, AZ
    this program. With you there, our 2009 gathering is bound to be the best ever!
                                                                                                     ann Marie Mehlum
                                                                                                     President & CEO
    Sincerely,                                                                                       Summit Bank
                                                                                                     Eugene, OR

                                                                                                     Corydon nicholson
                                                                                                     President & CEO
    R. Daniel Blanton                             Carolyn Mroz                                       Hickory Point Bank and Trust, FSB
                                                                                                     Decatur, IL
    President & CEO                               President & CEO
    Georgia Bank & Trust                          Bay-Vanguard FSB                                   edward J. norris, iii
    Augusta, GA                                   Baltimore, MD                                      Chairman, President & CEO
                                                                                                     Plantation Financial Corporation
    Chair, America’s Community                    Vice Chair, America’s Community                    Pawleys Island, SC
    Bankers Council                               Bankers Council                                    John h. pearson, Jr. (Jock)
                                                                                                     President & CEO
                                                                                                     Butler Bank
                                                                                                     Lowell, MA

                                                                                                     Thomas pelletier
                                                                                                     President & CEO
                                                                                                     Northfield Savings Bank
                                                                                                     Northfield, VT
                                                                                                     inDuSTry repreSenTaTiVe
                                                                                                     Steve kinner
                                                                                                     Senior Managing Director
                                                                                                     Promontory Interfinancial Network, LLC
                                                                                                     Arlington, VA




                                                                                       ABA 2009 National Conference for Community Bankers
2
    SCheDule aT a glanCe
   SaTurDay, feBruary 14                                               8:30 am–3:00 pm                       Silver Dream Jewelry
                                                                       8:30 am–10:00 am                      General Session
   2:00 pm–7:00 pm            Golf/Tours/Guest Program/
                              Dine-Around Desk Open                    9:00 am–11:00 am                      Guest Seminar with Breakfast
                                                                       10:00 am–11:00 am                     Specialty Coffee Break in Exhibit Hall
                                                                       11:00 am–12:15 pm                     Concurrent Sessions
   SunDay, feBruary 15
                                                                       12:00 noon–4:00 pm                    Shopping Shuttle
   6:30 am–2:00 pm            Pre-Conference Tours
                                                                       12:15 pm–1:15 pm                      Lunch with Exhibitors
   7:00 am–7:30 am            Fitness Walk
                                                                       1:15 pm–2:15 pm                       Dessert & Game with Exhibitors
   8:00 am–12:30 pm           Golf Tournament
                                                                       2:00 pm–4:00 pm                       Return Shipping Desk Open
   8:00 am–6:30 pm            Registration Desk & Tours/Guest
                                                                       2:15 pm–3:30 pm                       Concurrent Sessions Repeated
                              Program/Dine-Around/Ticket
                              Desk Open                                6:00 pm–7:00 pm                       Closing Reception
   8:00 am–2:00 pm            Hospitality Center Open                  7:00 pm                               Dine-Around Dinner Departures
   8:00 am–5:00 pm            Silver Dream Jewelry
   11:00 am–12:00 noon        Pre-Conference Bonus Session             WeDneSDay, feBruary 18
   1:00 pm–2:15 pm            Argentine Tango Lesson                   Cyber Center/Printer Kiosk Open Until Noon
   2:30 pm–3:30 pm            Industry Provider Showcase Sessions      7:00 am–7:30 am                       Fitness Walk
   4:00 pm–6:00 pm            Exhibit Hall Grand Opening               7:00 am–12:00 noon                    Information and Message Center Open
   6:00 pm–7:30 pm            Opening Reception                        7:45 am–8:30 am                       Coffee and Pastries in Foyer
                                                                       7:45 am–11:30 am                      Return Shipping Desk Open
   MonDay, feBruary 16                                                 9:00 am–10:00 am                      Guest Program: Tango Aerobics
   Cyber Center/Printer Kiosk Open 24 Hours                            8:30 am–10:00 am                      “Meet Your Regulator” Sessions
   6:30 am–7:30 am            Coffee and Pastries
                                                                       10:00 am–10:15 am                     Coffee Break
   7:00 am–7:30 am            Fitness Walk
                                                                       10:15 am–11:30 am                     Closing General Session
   7:00 am–6:00 pm            Registration Desk Open
                                                                       11:30 am                              Conference Adjourns
   7:00 am–4:00 pm            Guest Program/Dine-Around
                              Desk Open
   7:30 am–9:45 am            Opening General Session
   8:00 am–3:00 pm            Silver Dream Jewelry
   9:00 am–3:00 pm            Guest Tour
                                                                           Schedule of events
   9:45 am–11:15 am           Specialty Coffee Break in Exhibit Hall
   11:15 am–12:30 pm          Concurrent Sessions                          Sunday, February 15  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 4
   12:30 pm–2:00 pm           Exhibit Hall Open
                                                                           Monday, February 16  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 5–7
   12:30 pm–1:30 pm           Lunch on the Lawn
   1:00 pm–2:00 pm            Dessert in Exhibit Hall                      Tuesday, February 17  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 8–9
   2:00 pm–3:15 pm            Concurrent Sessions Repeated
                                                                           Wednesday, February 18  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10
   3:30 pm–5:00 pm            CEO Roundtable Discussions
   3:30 pm–5:00 pm            Directors Peer Exchange                      Keynote Speakers  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 11
   6:00 pm–7:30 pm            Reception in the Exhibit Hall
                                                                           Golf Tournament .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 12
   TueSDay, feBruary 17                                                    Dine-Around Information .  .  .  .  .  .  .  .  .  .  .  .  .  . 12
   Cyber Center/Printer Kiosk Open 24 Hours
                                                                           Pre-Conference Tours  .  .  .  .  .  .  .  .  .  .  .  .  .  . 12–13
   6:30 am–7:30 am            Industry Provider Showcase Sessions
                              with Breakfast                               Guest Program  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 13–14
   7:00 am–7:30 am            Fitness Walk
   7:00 am–3:30 pm            Registration Desk Open                       Hotel Information  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 15
   7:00 am–3:30 pm            Guest Program/Dine-Around Desk Open
                                                                           Conference Registration .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 16
   7:30 am–8:30 am            Exhibit Hall Open/Breakfast
                              with Exhibitors




Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                                                              3
    SunDay, feBruary 15
                                                                     an exhibit hall filled with What
    6:30 am–2:00 pm
                                                                     you need
    pre-Conference Tours                                             Begin your visit to the Exhibit Hall with a compli-
    See pages 12–13 for details.                                     mentary cappuccino or espresso, then spend time
    7:00 am– 7:30 am                                                 with our exhibitors, who bring the latest and best in
                                                                     tools and technologies to help you and your team.
    fitness Walk                                                     On Tuesday, February 17, play the wildly popular
    8:00 am–12:30 pm                                                 Exhibit Hall game. You’ll have the opportunity to
                                                                     discover solutions you can use immediately—and the
    golf Tournament                                                  chance to win valuable prizes!
    See page 12 for details.

    8:00 am–6:30 pm                                                2:30 pm–3:30 pm
    registration Desk and Tours/guest                              industry provider Showcase Sessions
    program/Dine-around/Desk open                                  with refreshments
    8:00 am–2:00 pm                                                Join our vendors as they present the latest products and
                                                                   services for your community bank. All are welcome!
    hospitality Center open
    Enjoy refreshments, rendezvous with others and review
                                                                   4:00 pm–6:00 pm
    conference materials at the Hospitality Center.
                                                                   exhibit hall grand opening
    8:00 am–5:00 pm                                                Don’t miss this popular opportunity for conference
                                                                   attendees and registered guests to meet and mingle with
    Silver Dream Jewelry
                                                                   exhibitors and colleagues.
    See page 14 for details.
                                                                   6:00 pm–7:30 pm
        11:00 am–12:00 Noon                                        opening reception—Southwest elegance
        pre-Conference Bonus Session:                              Sponsored by the Corporation for American Banking
        increasing your personal and                                                     This gala evening celebrates the four
        professional power to new levels                                                 elements of earth, wind, fire and
        of excellence                                                                    sky. Come prepared to meet old
        Have you ever had a positive day at home or at work?                             friends and new colleagues during
        How did you feel at the end of it? Energized. Author                             our fun-filled opening reception.
        and top-rated speaker Jerry Teplitz will show you how
        to make every day that way using tools and techniques
        that are immediately effective and can be applied to all
        aspects of your personal and professional life.
        Dr. Jerry V. Teplitz
        Jerry Teplitz Enterprises, Inc., Virginia Beach, VA


    1:00 pm–2:15 pm
    argentine Tango lesson
    With Tango Discovery Master Teacher Ravi Khalsa
    Learning to dance should be natural, and fun. In this class,
    it is. Beginners will be dancing the tango in minutes with
    nothing to memorize. Experienced dancers will discover a
    new way to unlock potential. Wear comfortable clothes and
    shoes in which you can walk and pivot. All are welcome!


                                                                          ABA 2009 National Conference for Community Bankers
4
MonDay, feBruary 16
                                                               Cyber Center
6:30 am–7:30 am                                                Checking e-mail is quick and easy at our Cyber
Coffee and pastries                                            Center, located close to the Exhibit Hall and
                                                               conference sessions. Stop by at any time of day or
7:00 am–7:30 am                                                night during the conference.
fitness Walk

7:00 am–6:00 pm
                                                            7:00 am–4:00 pm
registration Desk open
                                                            guest program/Dine-around Desk open

  7:30 am–9:45 am                                           8:00 am–3:00 pm
  general Session                                           Silver Dream Jewelry
                                                            See page 14 for details.
                Chairman’s Welcome
                r. Daniel Blanton                           9:00 am–3:00 pm
                President & CEO                             guest Tour:
                Georgia Bank & Trust
                Augusta, GA                                 Desert artists Studio Tour with lunch

                                                            9:45 am–11:15 am
                keynote address:                            Specialty Coffee Break in exhibit hall
                a perspective from the
                federal reserve                             11:15 am–12:30 pm
                elizabeth a. Duke                           ConCurrenT SeSSionS
                Member, Board of Governors of the
                Federal Reserve System, Washington, DC      Best practices in Cre loan loss
                                                            prevention and Mitigation
                aBa leadership
                                                            An expert panel will look at CRE in 3D, discussing how
                Discussion of the issues                    to understand your commercial portfolio’s soft spots (a.k.a.
                arthur r. Connelly
                                                            effectively managing your bank’s CRE exposure), develop
                ABA Chairman
                                                            a game plan to prevent potential losses and mitigate your
                Chairman & CEO
                South Shore Bancorp, Weymouth, MA           CRE loan loss exposure.

                edward l. yingling                          Moderator:
                President & CEO                             Bob Seiwert, Senior Vice President, ABA Total Business Solutions,
                American Bankers Association                American Bankers Association, Washington, DC
                Washington, DC
                                                            Speakers:
                                                            peter Cherpack, Vice President and Director, Ardmore Banking
                                                            Advisors, Inc., Ardmore, PA
                Diane M. Casey-landry
                Senior Executive Vice President & COO       grant Conway, Executive Vice President, Eagle National Bank,
                American Bankers Association                Upper Darby, PA
                Washington, DC                              Sonny lyles, Executive Vice President and Chief Credit and
                                                            Risk Officer, Sterling Bank of Houston, Houston, TX

                keynote address: america’s
                Coming heartland Boom
                rich karlgaard
                Columnist & Publisher
                Forbes & Author, Life 2.0




Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                                5
    11:15 am–12:30 pm
    ConCurrenT SeSSionS Continued
    Mobile Banking:
    The reality Behind the hype
    Growing consumer adoption and a proliferating variety
    of solutions prove that mobile banking and payments
    are more than hype. But the increasing complexity of
    emerging mobile technologies and infrastructures poses real
    challenges. This session offers an overview of key emerging
    mobile technology types and insights into mobile platform
    integration and adoption opportunities, particularly among
    Gen Y. Real-world examples will illuminate the mobile           Succession planning—preserving family
    value proposition for banks, billers and consumers.
                                                                    legacy and harmony
    Bob homer, Vice President of Product Management and Marketing   Session Presented in Morning Only!
    for Electronic Banking Services, Fiserv, Atlanta, GA            For a family-owned or closely held bank, developing
                                                                    a well-thought-out succession plan is one of the most
                                                                    critical steps to ensuring future continuity and success of
      Session handouts:                                             the bank and the owners’ legacy. But most family-owned
      print in advance & on Demand onsite                           banks lack a formal plan for transitioning ownership
                                                                    and management. This session will provide practical
      All session presentations and handouts will be
                                                                    suggestions for protecting your family’s biggest asset
      available online to registered attendees prior to the
                                                                    and developing a process that will ensure successful
      conference. Visit our conference homepage at
                                                                    management and ownership succession.
      www.aba.com to review sessions and speaker
      handouts before you leave for Phoenix. Throughout             James haugh, Managing Director, American Capital, LLC, Chicago, IL
      the conference, a printer kiosk will be available in
                                                                    Susan o’Donnell, Managing Director, Pearl Meyers & Partners,
      the Grand Sonoran Foyer for you to print out session          Boston, MA
      presentations, handouts and speaker biographies.

                                                                    Mortgage lending: avoid the pitfalls and
    Banking in 2009:                                                Seize the opportunities
    The Silver lining to the Cloud                                  Unprecedented turmoil in the mortgage markets has
                                                                    reshaped the landscape for mortgage lending by community
    Shrinking interest spreads, margin compression, virtual
                                                                    banks. New challenges and opportunities present themselves
    banks/brokerage/mortgage companies, M&As, security
                                                                    every day. Hear from three presenters about how they have
    threats, loss of core deposits, loss of key commercial
                                                                    seized recent opportunities. You’ll learn how to identify
    customers and technology advancements—these are only
                                                                    new sources of production, discover how FHA loans can
    a few of the challenges facing your bank. This session
                                                                    meet the needs of your customer base, and get the latest on
    will address the state of banking affairs in 2009, keying
                                                                    opportunities in reverse mortgages.
    in on three specific areas you must focus on to maintain
    profitability: using proper technology, growing core            Moderator:
    deposits and maintaining a lean head count.                     Joe pigg, Vice President/Senior Counsel, Office of Mortgage Finance,
    erik M. hoghaug, Senior Business Development Manager,           Risk Management and Public Policy, American Bankers Association,
                                                                    Washington, DC
    Sheshunoff Consulting + Technology, Austin, TX
                                                                    Speakers:
                                                                    Chris Dunn, Executive Vice President and COO, South Shore
                                                                    Savings Bank, Weymouth, MA
                                                                    Melissa entin, Business Development Leader, Financial Freedom,
                                                                    New York, NY
                                                                    kenneth r. Totten, Vice President & CLO, Metuchen Savings Bank,
                                                                    Metuchen, NJ

                                                                           ABA 2009 National Conference for Community Bankers
6
12:30 pm–2:00 pm                                                     3:30 pm–5:00 pm
exhibit hall open                                                    Ceo roundtable Discussions
                                                                     Organized into four separate sessions according to your
12:30 pm–1:30 pm                                                     bank’s type of ownership—publicly held, privately held/
lunch on the lawn                                                    family-owned, de novo and mutual—our roundtables are
Enjoy a networking lunch with other community bankers.               a unique opportunity to shares ideas, concerns and answers
The company of colleagues, an inspiring outdoor setting              with your CEO peers.
and a Western-flavored feast are guaranteed to recharge
your batteries.                                                      3:30 pm–5:00 pm
                                                                     Director peer exchange:
1:00 pm–2:00 pm                                                      Directing Through Tough Times
Dessert in exhibit hall                                              Being a director in good times is, quite frankly, usually both
                                                                     fun and lucrative. Today, to put it mildly, there is a lot of
2:00 pm–3:15 pm
                                                                     stress. The issues are myriad: maintaining capital and finding
ConCurrenT SeSSionS repeaTeD                                         fresh capital; making and keeping to buy-sell-hold strategies;
                                                                     handling of CEO assessment and support fairly; boosting
Succession planning: Top 10 Check points
                                                                     expense and staffing controls; dealing with shareholders;
to protect your Bank’s future                                        understanding the value proposition in bad times; and
Session Presented in Afternoon Only!                                 revisiting the strategic plan in light of seismic changes.
One of the board’s and management’s most critical
responsibilities is executive and board succession planning,         Steve Cocheo, Editor, ABA Bank Directors Briefing newsletter,
                                                                     www.bdonline.biz, New York, NY
yet few banks have formalized the process. As a result,
they’re caught unprepared for a CEO retirement, or worse,            Walter g. Moeling iV, Co-Leader, Financial Institutions Service
an unforeseen loss of executive talent. Ineffective executive        Group, Powell Goldstein LLP, Atlanta, GA
transitions can lead to loss of business continuity, shareholder
concerns and even the risk of takeover in this highly                reception in the exhibit hall: olé fiesta
competitive environment. This session will present the               Sponsored by the Corporation for American Banking
top 10 best practices for successful succession planning and
provide you with tips and tools to take back to your bank.                                    Southwestern sights, sounds and
                                                                                              sabores will abound at tonight’s festive,
James haugh, Managing Director, American Capital, LLC, Chicago, IL                            informal reception. So put on your
Susan o’Donnell, Managing Director, Pearl Meyers & Partners,                                  favorite South of the Border-inspired
Boston, MA                                                                                    attire, and get ready to shout “ole!”




                                                                                     Visit Our
                                                                             Conference Homepage
                                                                             at www.aba.com
                                                                              for Program Updates!




Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                                          7
    TueSDay, feBruary 17
    6:30 am–7:30 am
    industry provider Showcase Sessions
    with Breakfast

    7:00 am–7:30 am
    fitness Walk

    7:00 am–3:30 pm
    registration Desk open

    7:30 am–8:30 am
    exhibit hall open/Breakfast with
                                                            11:00 am–12:15 pm
    exhibitors
                                                            ConCurrenT SeSSionS
    8:00 am–3:00 pm
                                                            effective Shareholder Communications
    Silver Dream Jewelry
                                                            Session Presented in Morning Only!
    See page 14 for details.                                Despite market conditions, community bankers need to
                                                            continue to communicate to their investors and cultivate
    8:30 am–3:30 pm
                                                            new shareholders. Join us for an informative panel designed
    guest program/Dine around Desk open                     to explore the best practices for shareholder communications,
                                                            which will include a review of investor relations and specific
                                                            bank-tailored strategies to maximize your shareholder value.
       8:30 am–10:00 am
       general Session                                      Moderator:
                                                            helen Sullivan, Senior Vice President, ABA Total Business Solutions,
                       introduction                         American Bankers Association, Washington, DC
                       Carolyn Mroz
                                                            Speakers:
                       President & CEO
                       Bay-Vanguard FSB                     randy k. ferrell, President & CEO, Fauquier Bank, Warrenton, VA
                       Baltimore, MD                        Michael C. Miller, Chairman & President, CommunityOne Bank NA,
                                                            Asheboro, NC
                       keynote Speaker                      Becky reid pendelton, Vice President, The Chereghino Group,
                       fl!p: Mind-Blowing Success           Seattle, WA
                       in an upside-Down World
                       peter Sheahan, Bestselling Author,   Making the Case:
                       Entrepreneurial Thought-Leader       Seven Tips for Working with the Media
                       and Gen Y Expert                     Does a call from your local TV station make you want to
                                                            hide under your desk? Working with the media can be
                                                            intimidating, but by using some simple tips, you can easily
    9:00 am–11:00 am                                        turn interview opportunities into free advertising for
    guest Breakfast Seminar:                                your bank. Learn what to do—and more important, what
                                                            not to do—when working with reporters during these
    photo excursion with pam Singleton
                                                            challenging times.
    10:00 am–11:00 am                                       John hall, Senior Vice President, Communications
    Specialty Coffee Break in exhibit hall                  American Bankers Association, Washington, DC
                                                            Merrie Speath, Founder, Speath Communications, Inc., Dallas, TX




                                                                   ABA 2009 National Conference for Community Bankers
8
liquidity Contingency planning—
are you prepared?
Times are changing—market volatility and credit sensitivity
and the convergence of operational and contingency
sources demand a more robust liquidity risk management
process and substantive liquidity contingency plan.
This session will focus on (1) selecting the appropriate
liquidity risk measurement and management tools for
your institution, (2) establishing an early warning system
and a liquidity stress testing process and (3) developing
and documenting a liquidity contingency plan suitable for
today’s environment.
Michael r. guglielmo, Managing Director, Darling Consulting
Group, Newburyport, MA

interoffice Dynamics:
recruiting and retaining your Workforce
To maximize performance and boost production, you
need to look beyond your new hire’s pedigree and
interviews to the “inner employee” and how to motivate,        12:00 noon–4:00 pm
manage, communicate and work closely with them. In             guest Shopping Shuttle to Scottsdale
this session, you’ll learn how to identify the right players   fashion Square and Waterfront
for key positions, resulting in a happier, more engaged and
productive workforce that can be your best marketing tool      12:15 pm–1:15 pm
to reach other potential employees.                            lunch with exhibitors
genevieve Ward, Senior Consultant, Omnia Group, Tampa, FL
                                                               1:15 pm–2:15 pm
                                                               Dessert and game with exhibitors

                                                               2:00 pm–4:00 pm
                                                               return Shipping Desk
                                                               Banker attendees can ship conference materials (up to
                                                               5 lbs.) to the office at no charge through the Return
                                                               Shipping Desk. Simply bring your conference bag to the
                                                               designated desk on Tuesday afternoon or Wednesday
                                                               morning, and a representative will take care of the rest.

                                                               2:15 pm–3:30 pm
                                                               ConCurrenT SeSSionS repeaTeD
                                                               6:00 pm–7:00 pm
                                                               Closing reception

                                                               7:00 pm
                                                               Dine-around Dinner Departures




Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                           9
     WeDneSDay, feBruary 18                                              9:00 am–10:00 am
                                                                         guest program: Tango aerobics
     7:00 am–7:30 am                                                     The foundation of tango is walking. This class consists
     fitness Walk                                                        of walking exercises created by Tango Discovery master
                                                                         teacher Ravi Khalsa for a stimulating aerobic workout that
     7:00 am–12:00 Noon                                                  is gentle enough to leave you feeling happy! Wear casual or
     information and Message Center open                                 workout clothes and shoes in which you are comfortable
                                                                         walking. Gym shoes that are not too “sticky” are best.
     7:45 am–8:30 am
     Coffee and pastries                                                 10:00 am–10:15 am
                                                                         Coffee Break
     7:45 am–11:30 am
     return Shipping Desk open
                                                                           10:15 am–11:30 am
     8:30 am–10:00 am
                                                                           Closing general Session
     “Meet your regulator” Sessions
     Representatives from FDIC, OCC, OTS and the Fed                                      keynote address:
     will brief you on their latest examination focus, industry                           The art of Connection:
     trends and legislative updates. Each regulator will meet in                          five key principles
     a separate session with bankers. Bring your questions for                             Daniel Shapiro, Ph.D., Founder & Director,
     “your” regulator!                                                                     The Harvard International Negotiation
                                                                           Initiative/Associate Director, the Harvard Negotiation Project,
     Deborah Bailey, Director, Division of Banking Supervision &
                                                                           Cambridge, MA
     Regulation, Board of Governors of the Federal Reserve System,
     Washington, DC
     Jennifer C. kelly, Senior Deputy Comptroller, Mid-Size/Community
                                                                         11:30 am
     Bank Supervision, Office of the Comptroller of the Currency,
     Washington, DC                                                      Conference adjourns
     Christopher J. Spoth, Senior Deputy Supervisory Examinations,
     Federal Deposit Insurance Corporation, Washington, DC
     Timothy T. Ward, Deputy Director, Examinations, Supervision and
     Consumer Protection, Office of Thrift Supervision, Washington, DC




                                                   SaVe The DaTe!
                  We lOOK FORWARD TO SeeING yOU IN 2010!
                ABA National Conference for Community Bankers
            Westin Diplomat, Hollywood, Florida, February 21–24, 2010

                                                                               ABA 2009 National Conference for Community Bankers
10
   our keynoTe SpeakerS

                   elizabeth a. (Betsy) Duke
                   Betsy took office as a member of the Board of Governors of the Federal Reserve System
                   on August 5, 2008, filling an unexpired term ending January 31, 2012. Her roots in the
                   banking industry run deep. Before her appointment to the Fed board, she was senior
                   executive vice president and chief operating officer of TowneBank, a Virginia-based
                   community bank. Prior to this, she was executive vice president at Wachovia Bank,
                   an executive vice president at SouthTrust Bank, and president and CEO of Bank of
   Tidewater, based in Virginia Beach, Virginia. A former chairman of the American Bankers Association
   and a member of its Board of Directors, Betsy also served on the board of and as president of the
   Virginia Bankers Association. From 1998 to 2000, she was a member of the board of the Federal
   Reserve Bank of Richmond.

                    rich karlgaard
                    Rich is the publisher of Forbes and the author of the book Life 2.0: How People Across
                    America Are Transforming Their Lives by Finding the Where of Their Happiness, an Amazon.
                    com and Wall Street Journal business bestseller. In his Digital Rules column, he writes
                    about technology, entrepreneurship, and the future of business and work; his blog
                    appears daily on Forbes.com. An accomplished entrepreneur, Rich has co-founded two
                    companies (Garage Technology Ventures in 1997, and Upside magazine in 1988) and
   one civic organization (the 5,500-member Churchill Club in 1985). For this last venture, he was named
   co-winner of the Ernst & Young Northern California “Entrepreneur of the Year” award.

                    Daniel l. Shapiro, ph.D.
                    Daniel is founder and director of the Harvard International Negotiation Initiative and
                    associate director of the world-renowned Harvard Negotiation Project. An assistant
                    professor in the department of psychiatry at Harvard Medical School/McLean Hospital,
                    he is also on the faculty at Harvard Law School; his research focuses on the psychology
                    of conflict. Besides contributing to numerous scholarly and popular publications, in 2005
                    he co-authored (with Roger Fisher) the bestseller Beyond Reason: Using Emotions as You
   Negotiate. He recently was appointed a Young Global Leader 2008 by the World Economic Forum.

                       peter Sheahan
                      Peter is recognized internationally as a leading expert in workforce trends and
                      generational change. In the space of three years he built a multimillion dollar
                      consulting practice that attracted clients such as Newscorp, Google, Coca-Cola,
                      L’Oreal and Ernst & Young. He attributes his success to his ability to identify areas
                      of untapped potential within organizations, develop the unique thought processes
                      and skills required to convert that potential into performance, then engage with key
   individuals at all levels to make it a reality. This energetic entrepreneur has a reputation for transforming
   traditional business practices—bringing them into the present and launching them into the future.



Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                   11
                                                                        golf
                                                                        Whether you’re an aficionado looking for a new challenge
                                                                        or a beginner playing just for fun, the Phoenix/Scottsdale
                                                                        area offers the finest in golf courses. In addition to Desert
                                                                        Ridge’s two championship courses designed by golfing
                                                                        greats Arnold Palmer and Nick Faldo, you’ll find an
                                                                        abundance of skill-testing options, from award-winning
                                                                        layouts like Troon North and Rancho Manana to
                                                                        traditional tree-lined courses like the Raven Golf Club at
                                                                        South Mountain. Municipally run courses, with fees and
                                                                        descriptions, are listed on the City of Phoenix’s official
                                                                        Web site. Other Phoenix/Scottsdale courses are reviewed
                                                                        at www.golfarizona.com.

     golf & Dine-arounD                                                                          Dine-around Dinners
                                                                                                 If you haven’t been to a Dine-
     inforMaTion                                                                                 Around Dinner before, you owe
     annual golf Tournament                                                                      it to yourself to sign up for an
     Join us on Sunday, February 15, 2009, for the annual                                        evening of fine food and good
     NCCB Golf Tournament at the JW Marriott Desert Ridge                                        company. The networking is
     Resort & Spa’s Wildfire Golf Club. Always a popular                                         plentiful, the hospitality, world-class.
     event during our conference, the tournament will offer a
                                                                                                 Designed to give you a unique
     superior golf experience on the 18-hole Palmer championship
                                                                        opportunity to sample the area’s favorite restaurants, the
     course. (The resort also boasts a second course designed
                                                                        Dine-Around offers a wide selection of cuisines and prices
     by Nick Faldo, and a practice facility complete with two
                                                                        from which to choose. Your party will be composed of
     putting greens and an all-grass driving range.)
                                                                        8 to 10 other conference attendees. Food and beverage
     To register for golf please email reghousing@aba.com               charges, including tax and gratuities, will be divided equally
     with your name, handicap/average score, club/shoe rental           among each party at a table, regardless of individual orders.
     requests, pairing requests and payment information.
                                                                        Reservations will be taken on a first-come, first-served
     The palmer Course                                                  basis at the conference, so don’t delay. Please sign up early
     Designed by golfing legend Arnold Palmer, this desert-style        at the Dine-Around Desk in the Grand Sonoran Foyer to
     course is championship length, with generous fairways and          ensure your choice is available.
     large bent-grass greens. The course features from four to
     six tee boxes on every hole, challenging all levels of golfing
                                                                        pre-ConferenCe TourS**
     skill. Its 415-yard, par 4, sixth hole is Palmer’s signature,      Sunday, February 15, 6:30 am–10:00 am*
     with beautiful Camelback Mountain as the backdrop.                 Ballooning with Champagne Breakfast
                                                                                                The Sonoran Desert is one of the
     about the Tournament                                                                       world’s top hot-air ballooning
     Date: Sunday, February 15, 2009                                                            destinations—don’t miss this
     Tee Time: 8:00 am Shotgun Start                                                            opportunity! Starting out low over
     golfers: Register ASAP (limited space availability)                                        the saguaros, you’ll glimpse the
     Spikes: Metal spikes not allowed                                                           wildlife—jackrabbits, quail, coyotes
     attire: Collared shirts, long pants or walking shorts                                      and roadrunners—who make the
     rentals*: Rental golf clubs are $60; Rental shoes are $20                                  desert their home. As the balloon
     Tournament fee**: $214 per golfer                                                          rises, the curve of the valley floor,
                                                                                                surrounding lakes and mountains—
     *All requests for rental equipment must be taken care of onsite.
                                                                                                sometimes even downtown
     **Includes shotgun/scramble tournament fee, box breakfast,
                                                                        Phoenix—will appear! Your early-morning adventure will
     greens fees, golf cart and golf balls.
                                                                        end with a champagne toast and continental breakfast.
                                                                        Cost: $204*


                                                                               ABA 2009 National Conference for Community Bankers
12
Sunday, February 15, 8:00 am–12:00 noon*                      gueST prograM**
4-Wheelin’ Desert Safari                                      Sunday, February 15–Wednesday, February 18
                               Get away from civilization
                               and discover how the real      7:00 am–7:30 am
                               West looks, sounds and         fitness Walks
                               smells. In addition to
                                                              Registered conference goers and guests can gather outside
                               several hours of guided
                                                              the Revive Spa for daily 30-minute morning walks.
                               off-road driving through
                               the rugged terrain of the
Sonoran Desert in an open-air vehicle, your tour will         Monday, February 16, 9:00 am–3:00 pm*
include a nature walk with guides expert in the ways of the   Desert artists Studio Tour with lunch
world’s greenest desert.                                                                      Join us for specially arranged
                                                                                              visits to two well-known
Cost: $113*
                                                                                              artists who have made
Sunday, February 15, 8:00 am–12:00 noon*                                                      Arizona’s Sonoran Desert
                                                                                              their home. They will open
horseback riding                                                                              their studios for personal
                                 Whether you’re a beginner                                    tours, informal discussions
                                 or a seasoned rider, this                                    and demonstrations of their
                                 tour is for you! Starting                                    talents. You’ll also encounter
                                 from a ranch bordering                                       the unspoiled towns of Cave
                                 Tonto National Forest and    Creek and Carefree, home to the world’s largest sundial.
                                 the Sonoran Desert, you’ll   Celebrities call both home, but in addition to the occasional
                                 ride among towering          famous face, expect to see other fascinating life forms—mule
saguaro cactus, listening to the wranglers’ tales about the   deer, javelina, rabbits, roadrunners and the occasional
area’s history and learning about the flora and fauna that    bobcat. Lunch will be at a local restaurant, the Tonto Grill.
make Arizona so unique. Bring a camera to share the
experience with friends and family.                           Cost: Free for registered guests
                                                              **Please note, pre-registration required.
Cost: $130*
                                                              Tuesday, February 16, 9:00 am–11:00 am
9:00 am–2:00 pm*                                              guest Breakfast Seminar:
native people and plants of arizona                           photo excursion with pam Singleton
with lunch                                                    Photographer Pam Singleton followed her heart to the
                                The world-famous Heard        Southwest more than 30 years ago. Since that time,
                                Museum and acclaimed          capturing the beauty of the desert through a lens has
                                Desert Botanical Garden       been her passion and her mission. Pam’s work has won
                                have collaborated on a        numerous design and landscape awards and has been
                                fascinating introduction to   featured in local and national publications such as Phoenix
                                the Sonoran Desert and its    Home and Garden and Sunset magazines and the Smithsonian
                                native people. You’ll begin   archives. She will discuss and demonstrate various
at the Heard with a private guided tour of the permanent      photographic techniques used to obtain professional
collection, as well as demonstrations of wine-making          results during a hands-on photo session. Be sure to bring
using saguaro fruit and basket-weaving with native plants.    your camera!
The day continues at the Botanical Garden with a private
tour of its main trail—a highlight of the 20,000-plus         Cost: Free for registered guests
desert plant collection, many of them rare, threatened or
endangered. Lunch at the outdoor Patio Café is followed
by free time to explore.
Cost: $111*
*Prices and times are subject to change
**Register at: www.aba.com/Events/Community.htm

Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                               13
     12:00 noon–4:00 pm                                             JW MarrioTT
     Shopping Shuttle
     A free shopping shuttle will ferry registered guests between
                                                                    DeSerT riDge reSorT & Spa
     the resort and Scottsdale’s Fashion Square, the Southwest’s    The resort
     distinctive address for premier shopping, dining and           The elements of nature—fire, water, earth and sky—have
     entertainment. Its collection of more than 225 retailers       been woven into the architecture of this magnificent resort,
     includes Neiman Marcus, Nordstrom, Macy’s and the              enabling guests to experience the pleasures of its distinctive
     largest Dillard’s in the country. Fashion Square connects      surroundings.
     to Old Town Scottsdale via the canal, steeped in old-
     world charm and perfect for strolling. This waterfront         Every turn around a corner reveals a slice of paradise. Each
     development is home to the Fiesta Bowl headquarters and        guest room features a private balcony or patio overlooking
     museum, nationally recognized upscale retailers, unique        wildflower gardens, swimming pools, lakes or waterways,
     boutiques, eateries and nightclubs.                            backed by a horizon of magnificent mountains—breath-
                                                                    taking views to wake up to or contemplate as the desert
                                                                    twilight descends.
       in your (Silver) Dreams
                                                                    Inside your room, you’ll find luxurious appointments and
                                     A scintillating assortment     spacious accommodations, from an oversized bath to
                                     of sterling silver jewelry     workspace and sitting areas. Every room’s myriad
                                     from Taxco, Mexico,            amenities include:
                                     will be for sale in the
                                     Grand Canyon foyer on          n   Revive Collection bedding
                                     Sunday, 8:00 am–5:00 pm;       n   Smoke-free interiors
                                     Monday and Tuesday,            n   Cordless phones
       8:00 am–3:00 pm. Crafted by local artisans and offered       n   High-speed Internet access
       by Silver Dream Jewelry, the pieces range from               n   Dual phone lines
       traditional to contemporary and Southwestern. And,           n   In-room safe with power—and much more!
       as a registered conference attendee, you’ll enjoy an
       additional 15 percent off the already wholesale price!       The Spa
                                                                    Steal away for a moment—or an entire afternoon—of
                                                                    peace. The JW Marriott Desert Ridge’s acclaimed Revive
     Shopping                                                       Spa offers stress-reducing treatments in private rooms
     From outdoor markets that display the work of Native           glowing with candlelight and alive with spirit-soothing
     American craftsmen to traditional malls that house high-       sounds. There’s also a bistro for light fare and a boutique
     end retailers, the Phoenix/Scottsdale area boasts the full     filled with special Revive creams and other potions. For
     spectrum of shopping experiences.                              your optimal relaxation, an Olympic-sized sanctuary pool,
                                                                    private cabanas and a fitness club await, while Salon Mila is
     Biltmore fashion park                                          ready to pamper you from hair to feet.
     Ralph Lauren. Macy’s. Coach. Saks Fifth Avenue. Cartier.
     Names that captivate every style-conscious shopper are
     part of Phoenix’s exclusive Biltmore Fashion Park,
     offering more than 70 upscale shops, department stores
     and distinctive boutiques.
     arizona Center
     Nestled in the heart of Copper Square, the Arizona Center
     is downtown Phoenix’s answer to fine shopping and
     eclectic dining, gathered into one exciting urban venue.
     The outlets at anthem
     For bargain seekers, a day of shopping without spotting a
     great sale is a day spent in vain. At the Outlets at Anthem,
     you’ll find a wide selection of brand name clothing,
     furnishing and outdoor gear at can’t-pass-up prices.




                                                                           ABA 2009 National Conference for Community Bankers
14
hoTel inforMaTion                                                Driving Directions
                                                                 From Phoenix Sky Harbor International Airport: Take
JW Marriott Desert ridge resort & Spa                            state route 51 (SR51) north (approx. 17 miles) to loop 101
5350 E. Marriott Drive                                           East. Continue on AZ-101-Loop and go east for approx. 3
Phoenix, AZ 85054                                                miles. Take Exit 31-Tatum Boulevard. Turn left on to Tatum
Phone: 1-480-293-5000                                            Boulevard and go north for .5 miles. Turn right on Deer Valley
Fax: 1-480-293-3600                                              Road and go east for .5 miles. Turn left on Marriott Drive.
Reservations: 1-800-835-6206
                                                                 Taxi Service
Check in/out                                                     The taxi fare from Phoenix Sky Harbor International Airport
If you requested hotel accommodations by e-mail or fax,          is around $60 one way (approximately a 20-minute ride).
confirmation will be sent to you directly from the JW
Marriott Desert Ridge Resort & Spa, beginning in Fall            Shuttle & Sedan Service
2008. Hotel reservations will be accepted on a first-come,       For information and reservations for shuttle service,
first-served basis.                                              contact Super Shuttle at 1-800-BLUE VAN or
                                                                 www.supershuttle.com/htm/cities/phx.htm.
Check-in is 4:00 p.m. Room assignments prior to that
time are on a space-available basis only.                        Transtyle offers private sedan services. For information,
                                                                 visit www.transtyle.com. Contact Sharon at
Check-out is 12:00 noon. If a later check-out time is            480-293-3965 for special ABA pricing.
required, guests may contact the front desk, at which time
they will be notified of potential check-out charges. Upon       parking
arrival, guests are asked to confirm their departure date.       Complimentary self-parking is available, as well as valet
                                                                 parking at $25 per day.
hotel Cancellation information
After receipt of your hotel confirmation, all changes in         registration information
arrival, departure, type of accommodations or cancellations      Conference registration opens on Sunday, February 15, 2009.
must be made directly with ABA, either by e-mail at              The registration/message/information desk hours will be:
Reghousing@aba.com or by telephone at 1-202-663-5274.            Sunday, February 15, 8:00 am–6:30 pm
                                                                 Monday, February 16, 7:00 am–6:00 pm
revive Spa and fitness Club
                                                                 Tuesday, February 17, 7:00 am–3:30 pm
The Revive Spa offers a diverse menu of spa treatments,
                                                                 Wednesday, February 18, 7:00 am–12:00 pm
a private sanctuary pool and a spacious indoor fitness club
with the latest fitness equipment and classes (fees apply).      registration Cancellation
Personal services are limited; please reserve appointments       February 4, 2009, is the deadline for the Advance
by calling 1-480-293-3700 or 1-866-REVIVE-4U                     Registration Directory, hotel reservations and full refund.
before you arrive at the resort. For a complete list of          Cancellations must be received in writing no later than
treatment packages and prices, visit the Spa area of www.        February 4, 2009. Fax your cancellation to 202-828-6073.
desertridgeresort.com. Gratuities: For your convenience a        If cancellations are received after February 4, 2009,
20 percent gratuity will be added to your service; this may be   a $115 processing fee will be incurred. No refunds will
modified at your discretion. Additionally, a complimentary       be issued after February 15, 2009.
24-hour fitness center is located by the main pool area.
                                                                 Weather
Travel                                                           Winter temperatures in the Phoenix/Scottsdale area average
The resort is 20 minutes north of Phoenix Sky Harbor             daytime highs in the 60s and 70s, falling to the 40s in the
International Airport. Special Cost Savings on Airlines:         evening. The nights cool off quickly, so be sure to bring
United and Delta Airlines offering special discounts.            a warm sweater or jacket. Good news for lovers of the
For detailed information, call: United Airlines,                 outdoors: The Phoenix/Scottsdale area averages 300 sunny
1-800-521-4041, ID 597BY; Delta, 1-800-455-2720,                 days (keep those sunglasses handy) and just seven inches of
Reference #: DP4M (booking fees apply).                          precipitation annually.
Car rental                                                       Dress
ABA has arranged discounts on Hertz car rentals (good            Casual business attire is appropriate during the conference
only on rentals originating in Phoenix). A Hertz office is       and throughout the resort. We also suggest that you bring
located at the JW Marriott Desert Ridge Resort & Spa.            a sweater or light jacket to meeting rooms and for the
To obtain your discount, please contact Hertz directly           evenings. The theme of Monday’s gala reception with
at 1-800-654-2210 or go to www.hertz.com. Mention                exhibitors is “Olé Fiesta,” so wear clothing that evokes the
the following codes when making your reservation: CDP            Southwestern spirit.
#11657, PC #118484

Connected for Success: Positioning Your Community Bank to Thrive in Changing Times
                                                                                                                                  15
ABA National Conference for Community Bankers
                     JW Marriott Desert Ridge Resort & Spa | 5350 East Marriott Drive | Phoenix, Arizona 85054
2009                 February 15–18, 2009 | Hotel Phone: 480-293-5000 | Fax: 480-293-3600


Register Today!                  Registrant (Last Name)                                     (First Name)                           (M.I.)
                                                                                                                                                        HoTEL INFoRMATIoN/REsERVATIoNs
                                                                                                                                                        Hotel Accommodations: Reservation requests must be received at ABA by
Three Ways to Register           Nickname (for badge)                                       Spouse/Guest Nickname (for badge)                           January 14, 2009.
                                                                                                                                                        Arrival Date ___________________________     q AM            q PM
                                 Title
INTERNET                                                                                                                                                Departure Date ________________________                 q AM              q PM
                                 Financial Institution or Company
www.aba.com                                                                                                                                             Check-in time is 4:00 PM. Check-out time is 12 noon.

                                 Address                                                                                                                AccoMModATIoNs
FAX                              City                                                       State                                  Zip      Country     q Single $299 q Double $299                 q Special Request ____________________
202-828-6073                     Phone                                                      Fax                                                         REsERVATIoN guARANTEE
Please be sure to include                                                                                                                               Reservations (please check selection): A credit card is required for the first night’s
                                 Email (All registrations will be confirmed via email.)
credit card information.                                                                                                                                room deposit. Requests must be received by January 14, 2009. Hotel cancellations
                                 Assistant Email                                                                                                        must be received 7 days prior to arrival or room night deposit will be forfeited.
MAIL                             Spouse/Guest (if registering)*                             Spouse/Guest Email (optional)*                              q Visa                 q MasterCard                    q American Express
Registration Coordinator/NCCB                                                                                                                           q Diners Club          q Discover                      q Optima
                                 REgIsTRATIoN FEEs (Please check appropriate box)
American Bankers Association
                                 q ABA Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1,095
P.O. Box 79129                   q Service Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $995
                                                                                                                                                        Card #                                                                       Exp. Date

Baltimore, MD                    q ABA Member Team Discount** . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $850                    Signature
21279-0129                       q Service Member Team Discount** . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $850
                                                                                                                                                        REgIsTRATIoN dIREcToRy/cANcELLATIoN dEAdLINEs
                                 q ABA Member Outside Bank Director . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $795
                                                                                                                                                        February 4, 2009, is the deadline for the Advance Registration Directory, hotel
Are you a first-time attendee?   q Nonmember . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2,295
                                                                                                                                                        reservations and full refund. Cancellations must be received in writing. If
q Yes        q No                q Spouse/Guest (Meal/Social)*. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450
                                                                                                                                                        cancellations are received after February 4, 2009, a $115 processing fee will be
                                 EARLy REgIsTRATIoN dIscouNTs† (Expires after October 15, 2008)                                                         incurred. No refunds will be issued after February 15, 2009. If you have any
                                 q ABA Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $995          questions please call 202-663-5274.
                                 q Service Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $995
                                                                                                                                                        HoTEL dEAdLINEs/cANcELLATIoN
                                 The ABA guarantee: You’ll attend risk-free–because ABA guarantees that the                                             The Hotel will confirm your reservation directly. All changes in arrival,
                                 National Conference for Community Bankers will meet or exceed your expectations.                                       departure, type of accommodations, or cancellation must be made via e-mail
                                 If it doesn’t, simply let us know in writing, and we’ll refund your entire registration                                at reghousing@aba.com or in writing, and faxed to 202-828-6073 on or
                                 fee–no questions asked.                                                                                                before January 14, 2009. Hotel reservations will be accepted on a first-
                                                                                                                                                        come, first-served basis.
                                 *A guest is a spouse, significant other or friend who is not in a financial services occupation.
                                  A co-worker or an associate within financial services may not be considered a guest.                                  sPEcIAL NEEds
                                 **For each additional person from the same organization registering at the same time.
                                                                                                                                                        q If you have special needs that may affect your participation in this event,
                                 †Expires after October 15, 2008.
                                                                                                                                                           please check here. We will contact you to discuss accommodations.
                                 PAyMENT                                                                                                                ABA provides professional development opportunities for employees of membership-eligible
                                 q Check                       q American Express                     q Diners Club            q Discover               institutions. These include community, regional and money center banks and holding companies
                                 q MasterCard                  q Optima                               q Visa                                            as well as savings associations, trust companies, savings banks and service members.
                                 (Check payable to ABA for conference registration only. Please attach a copy of the registration form to the check.)

                                 Card #                                                                                            Exp. Date

                                 Signature

                                 Note: I agree to pay the above total amount according to the card issuer agreement.




                                                                                                                                                                             Washington, DC 20036
                                                                                                                                                                             1120 Connecticut Avenue, NW

				
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