Middle Market Lending - DOC

							GOLDEN GATE CHAPTER OF RMA, THE RISK MANAGEMENT ASSOCIATION
 FEBRUARY 2002


    October GOLDEN GATE CHAPTER:
            2001                                                 Looking for leadership or networking opportunities?
                                                                 Consider more active involvement with the Golden Gate
                       KEY EXECUTIVES                            Chapter Board of Directors. Give me a call at 925-941-
                                                                 1958 and let’s explore some ideas.
            Michael Hazlewood, President
             925-941-1958                                        Do you have a friend or associate who should be an RMA
             michael_hazlewood@comerica.com                      member? Joining RMA as an Associate is easy. If you
                                                                 are an employee of an RMA Member Institution (most
            Leonard Morgan, Vice President &                    financial institutions are members), you may join for a
             Program Committee                                   $45 annual associate fee plus local chapter dues ($25 for
             925-362-1800                                        the Golden Gate Chapter). Simply fill out an Associate
             1morgan@calfed.com                                  form available at the RMA website at www.rmahq.org or
                                                                 contact our Membership Chairman, John DeLalla. You
            Open Position, Secretary                            do not need permission to join. We also have many non-
                                                                 bankers as members. Remember, it is easy and painless.
            Michael Moore, Treasurer
             415-273-2017
             mike.moore@fbol.com
                                                                    UPCOMING NETWORKING EVENTS



        Golden Gate Chapter President’s Letter
  From Michael Hazlewood, President Golden Gate Chapter
Our January lunch event with Jack Meyers, former Chief Credit        A FIELD TRIP TO THE WINE COUNTRY
Officer for B of A, was a success. Jack’s comments were                 {Lunch and Wine Tasting at Cline Cellars}
enlightening. We saw many old friends as well as some new
faces. Thanks to Leonard Morgan, Chair of the Program
                                                                Hosted by: Mark Brody, CEO and Matt Cline,
Committee, for putting this great event together.                          Master Winemaker, Cline Cellars

The Golden Gate Chapter has more exciting events planned        Date:        Sunday, April 28, 2002
for the next several months:
                                                                Time:        11:00 a.m. - 1:30 p.m.
           Lunch with Brian Banmiller, Business Editor for     Location: 24737 Arnold Drive (Hwy 121)
            KTVU Channel 2 in March                                       Sonoma, CA
           Wine tasting event at Cline Cellars in April
           CEO panel in May                                    Cost:        $20.00 Members
           FOCUS group presentations are coming back                        $25.00 Non members
           Young Bankers Group is expected to get rolling                   price includes Box Lunch at the winery
           Open enrollment education programs are continuing

Your participation in one or more of these activities is         Contact: Clara Young; Phone: (415) 622-0919;
encouraged.                                                      Fax (415) 602-8388; E-mail: Clara.j.young@bankofamerica.com
                                                                 Please make checks payable to: RMA
 UPCOMING GOLDEN GATE CHAPTER                                                    CEO PANEL
           MEETINGS
                                                              Date:       Tuesday, May 14, 2002
Brian Banmiller, Business Editor for KTVU Channel
2, Former Air Force Squadron Commander and Top                CEO Panelists: Carl Webb, Chief Operating
                                                                             Officer of Cal Fed Bank
Secret Courier in the Middle East and Africa {Former
Correspondent for the Wall Street Journal Report on                              David Payne, Chief Executive
Television}                                                                      Officer of Westamerica
                                                                                 Mike Fulton, Chief Executive
Mr. Banmiller will address the following hot topics:                             Officer of Comerica
                                                              Moderator: Robert Perry-Smith Managing
        Is the San Francisco Bay Area alive and                         partner of Perry-Smith LLP a
         growing economically?                                           regional accounting and consulting
                                                                         company
        Is our ecnomic past a predictor of our future?

        Terrorism: What role does it play in our             Time:          11:30 – 2:00 p.m.(approximate)
         economic well being?
                                                              Location:      Carnellian Room
     Date:    March 12, 2002                                                 555 California Street, 52nd Floor
                                                                             San Francisco
     Time: 11:30 a.m – 1:30 p.m.

     Location: Main Dining Room, 2nd Floor                    Panel Discussion Subjects: industry mergers,
               World Trade Club                               leadership, credit, credit culture, financial
               101 Embarcadero                                reporting (i.e. Enron), industry concerns going
               San Francisco, CA                              forward, industry regulation.
               (415) 981-1234

Cost:         RMA members - $55/per person                    For more information about this event contact,
                                                              Leonard Morgan, Chairman of Chapter Meeting
              Non members - $65/per person
                                                              Programs; Phone: 925-362-1800 or E-mail:
                                                              lmorgan@calfed.com

Contact: Clara Young; Phone: (415) 622-0919;
Fax (415) 602-8388; E-mail: Clara.j.young@bankofamerica.com
Please make checks payable to: RMA                            UPCOMING GOLDEN GATE CHAPTER
                                                                        COURSES:

                                                              1.   Structuring Commercial Loans – I March 11, 2002

                                                              2.   Detecting Problem Loans            May 13, 2002

                                                              Locations will be announced shortly.

                                                              All these courses will be conducted under joint
                                                              sponsorship with RMA-HQ. For more information
                                                              contact Mike Moore, Education Committee Chairman,
                                                              Phone: 415-616-5971; E-mail: Mike.Moore@fbol.com
                 OTHER EVENTS                                    YOUR LEADERSHIP TEAM
    2002 Northern California Planning Retreat
                                                                Michael Hazlewood
                Friday, April 12, 2002                           Comerica Bank - California
                                                                 President; 925-941-1958
                        Location:                                michael_hazlewood@comerica.com


       Fountain Grove Inn, Santa Rosa, CA                       Mike Moore
                                                                 First Bank & Trust
                                                                 Treasurer; 415-273-2017
                    1-800-222-6101                               mike.moore@fbol.com

    For additional information contact: Chris L.                Leonard Morgan
    Thomas, Western Regional Rep, (206) 525-0412                 Cal Fed
    or cthomas@rmahq.org or                                      Chapter Meeting Programs; 925-362-1800
                                                                 lmorgan@calfed.com
    Denys A. Alexander, No. California Planning
    Retreat Chair/Nat’l Peer to Peer Contact for
                                                                Peter Scriven
    Northern California California (208) 473-6820                Risk Consultant
                                                                 Focus Groups; 415-385-0622
                                                                 phscriven@hotmail.com

                                                                John Sheets
                                                                 Bank of Walnut Creek
          “RMA Annual Conference”                                Past Presidents’ Advisory Council; 925-932-5353,
                                                                   ext. 245
                                                                 jsheets@bowc.com
If the Winter Olympics have piqued your interest in Salt
Lake City, then here’s your chance to see the Wasatch
Mountains, and the city they surround, up close and             Mike Moore
personal. RMA’s Annual Conference is being held                  First Bank & Trust
                                                                 Education Local Courses; 415-616-5971
September 22-24, 2002 in the home of the 2002 Winter
                                                                 mike.moore@fbol.com
Olympic Games. It’s the perfect opportunity for you to
visit this spectacular city, check out Olympic venues, and
gain valuable insight into current issues affecting our         Bob Ratto
industry.                                                        Business Examination Resources, Inc.
                                                                 Audit Committee; 415-893-1177
                                                                 bobratto@aol.com
Here’s a sneak preview of the medal-worthy agenda at
this year’s conference:
                                                                John DeLalla
     Understanding and Predicting Consumer Behavior             Moody’s Risk Management Services
      for a Competitive Advantage:                               Membership; 925-979-2159
                                                                 jdelalla@moodysrms.com
     Specific Assessment of Bank Financial Performance,
      Focusing on Exactly Where and How Community               Mike Malekos
      Banks Make Money                                           Bridger Funding
     Bad Loans Have We Really Learned from our Past             Long Range Planning; 415-289-3227
      Mistakes?                                                  mmalekos@bridgerfunding.com
     The Middle-Market Lending Process: Tools,
                                                                David Braff
      Techniques, and Processes for Greater Efficiencies
                                                                 Celtic Capital
     Workout Strategies                                         Young Banker Committee; 415-464-4830
                                                                 dbraff@celticcapital.com
     Liquidity Funding Issues
     Commercial Loan Securitization                            Jim Livingstone
                                                                 Bank of America
More information? Go to www.rmahq.org                            Communications; 415-622-2079
                                                                 james.m.livingstone@bankofamerica.com