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13th Annual Community Bank Asset/Liability Management Conference

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  • 1. Learn results-oriented strategies to increase returns and position your organization for a rising interest rate environment. 13th Annual Community Bank Asset/Liability Management Conference More sessions. More networking. More value. • Learn critical strategic insights • Hands-on information in IRR/balance sheet management • Funding/liquidity techniques to strengthen your approach to risk management • Learn about the latest investments and investment strategies October 24 – 25, 2005 Pre-conference Workshops—October 23 Post-conference Seminars—October 26 – 27 Renaissance Orlando Resort at Sea World Orlando, Florida www.bai.org/alm/br
  • 2. 13th Annual BAI Community Bank Keynote Speakers: Honorable Susan Schmidt Bies Asset/Liability Management Member Board of Governors of the Conference Federal Reserve System Susan Schmidt Bies became a full term Improve Your Investing and Risk member of the Board of Governors of the Federal Reserve System in December Management Strategies 2001. Previously, Dr. Bies held various Community banks face enormous challenges as they defend senior positions at First Tennessee National Corporation, their place in the market. Fluctuating interest rates Memphis, TN, including Executive Vice President for Risk and uncertain investment yields require up-to-the-minute Management and Auditor. Prior to joining First Tennessee, strategies to produce increased profitability and reduce Dr. Bies was an Associate Professor in Economics at earnings volatility. Rhodes College, Memphis, TN. She held a similar position at Wayne State University, Detroit, MI. Other experience Discover innovative ways to take on these challenges by includes acting as Chief Regional and Banking Structure attending the 13th Annual BAI Community Bank Asset/ Economist at the Federal Reserve Bank of St. Louis. Liability Management Conference. Hear critical strategic insights and emerging industry best practices to strengthen She received a B.S. in education from the State your approach to investing and risk management, including College of New York at Buffalo and an M.A. and a risk strategies in IRR/balance sheet management and Ph.D. in economics from Northwestern University. funding/liquidity techniques. Kathryn E. Dick Why Attend This Event? Deputy Comptroller for Risk Evaluation • Learn high-level strategic issues and insights in general Office of the Comptroller of the Currency sessions with tactical, hands-on information in Kathryn Dick is the Deputy Comptroller concurrent sessions and workshops, providing choice for Risk Evaluation, of the Office of the and in-depth coverage of issues—from essential Comptroller of the Currency (OCC). knowledge to more advanced topic coverage Ms. Dick serves as the Comptroller’s principal advisor on systemic risks facing the national banking system • Hear top regulators from the OCC/FED who will and chairs the OCC’s national Risk Committee, which address issues and hot topics you need to know coordinates the agency’s risk identification practices. about and prepare for. You’ll have the opportunity to ask questions and get answers directly from top Ms. Dick has spent most of her 20-year career at the OCC regulators on issues affecting your organization examining the capital markets activities of national banks. • Learn about the latest accounting updates and She earned an MBA from the Carlson School of Management, proposed FASBs that impact investing, IRR, balance University of Minnesota in 1983, and a B.A. from the University of Minnesota in 1981. Ms. Dick received the sheet management and risk management Chartered Financial Analyst (CFA) designation in 1992. • Find out the economic outlook so you can decide how to proceed in your risk management and investing strategies Make the Most of Your Time • Gain access to the latest technology and meet Pre-conference workshops are a great way to refresh face-to-face with leading solutions providers your skills or learn more about a specific issue. • Earn up to 39 CPE credits to maintain See the agenda section for valuable offerings. your professional licenses For complete information on speakers and agenda, or to register, visit www.bai.org/alm/br
  • 3. PRE-CONFERENCE learn about integrated applications of FTP to minimize risk and • Greater understanding of the issues the Executive Committee faces today AGENDA maximize profitability for the bank: • The importance of integrating Market and Credit Risk • Understand application of FTP from • How to align corporate decisions with Sunday, October 23, 2005 the ground up optimal deployment of capital • Understand how FTP fits into overall bank • The convergence between risk Pre-Conference Workshops risk management and profit attainment management, financial planning • Provides insight on new products and performance measurement 8:30 a.m. – 11:30 a.m. which can enhance bank profitability Valuing Equity Using • Improve bank competitiveness Long-term Income Simulations 1:30 p.m. – 4:30 p.m. Thomas E. Bowers BAI’s Executive Investment Leverage Assistant Vice President IPS-Sendero Institute Strategies for Community Banks Management and Using economic concepts in ALM David E. Jones Senior Vice President/ Board of Directors can be advantageous, but there are also important deficiencies Bank Strategist Forum Milestone Advisors LLC and misconceptions to be aware of, Join us for this exclusive opportunity including the role of duration and There are many challenges facing to provide your board members with problems in forecasting non-maturity community banks in today’s volatile important training and tools that will deposit balance decay in EVE. This economic environment. One such equip them with the knowledge they workshop will examine an improved issue is the ability to identify and need to ensure they are addressing approach that combines income execute effective balance sheet their responsibilities for management simulation with valuation to measure strategies to deliver value to your oversight. the true opportunity costs that organization and its stakeholders. repricing mismatches force Discover how to avoid common 1:30 p.m. – 4:30 p.m. upon capital. pitfalls in ALM and much more. Equipping Board Members • Economic value concepts valuation, value • Avoiding common pitfalls to Understand and Question sensitivity, and the connection to earnings in A/L management Policies and Practices • The role of duration in IRR measurement • Effective liability management • Effective asset management— Forest E. Myers • EVE is not liquidation simulation, Policy Economist rather a tool to estimate the structural cash flow is king • Prudent leverage strategies Federal Reserve Bank of Kansas City opportunity costs to capital by forecasting long-term economic earnings Managing Earnings at Risk, This session will provide executives sensitivity on a flat balance sheet Market Risk, Transfer Pricing, with basic tools to help them • EVE’s chief weakness is the tool’s gauge liquidity and market risk Credit Risk and Economic Capital inability to clearly visualize the long-term at their banks. It will also help threat to capital accumulation when under a Unified Umbrella them to judge the effectiveness of the balance sheet contains low-cost Henry Norwood management in addressing these non-maturity funding sources Senior Vice President risks. It provides information on the • Robust income simulation joined with Quantitative Risk Management, Inc. valuation delivers comprehensive sources of liquidity and market risk, Miguel Nathwani scenario mismatch analysis, permitting controls to manage these risks and Senior Manager rejection of the hypothesis that identifies red flags when determining Quantitative Risk Management, Inc. indeterminate maturity deposit balance management’s effectiveness runoff studies are prerequisite to Participants will learn about the in controlling these risks. producing quality IRR estimates compelling reasons for integrating • Defines liquidity and market risk shows The Essentials of formerly disparate risk processes into how these risks can affect a bank’s bottom Funds Transfer Pricing a cohesive framework. This discussion line performance and capital position will cover the complexities involved • Identifies source of liquidity and market risk Scott Peng in creating a process, including • Describes tools banks use to judge bank Director, Fixed Income Strategies Citigroup Global Markets, Inc. organizational and regulatory liquidity and market risk exposure challenges facing executives today. • Sets out tools banks use to judge liquidity Gain a better understanding of the Case studies will be presented to and market risk exposure basic concepts and application of • Lists red flag and other warning signs of demonstrate clearly for participants funds transfer pricing (FTP) from poor risk management what has and has not worked. the individual product level up to the line-of-business level. In addition,
  • 4. CONFERENCE AGENDA • Retain profitable deposit and loan customers and sustain targeted 1:45 p.m. – 2:30 p.m. long-term NIM Case History Clinics Monday, October 24, 2005 • Tap into critical tools and information sources and use this information to 2:45 p.m. – 3:45 p.m. 8:00 a.m. – 9:00 a.m. your advantage General Session • Implement reporting monitors that provide Keynote Address Managing Net Interest Income actionable, timely alerts that indicate when Honorable Susan Schmidt Bies customer retention measures are needed Richard J. Redmond Member Board of Governors of (as CDs mature, loans are paid off, etc.) Senior Vice President and Manager the Federal Reserve System • Devise a strategic communication program ALM Advisors FTN Financial 9:15 a.m. – 10:15 a.m. 10:45 a.m. – 11:45 a.m. The current market environment makes Conference Sessions General Session it difficult for financial institutions New ALM Model Risk Assessment Managing Through a Flat Yield to grow net interest income. Learn Requirements Implied by Curve: Do’s and Don’ts in a how to improve net interest income Difficult Market Environment and reducing interest rate risk. Sarbanes-Oxley Section 404 Dr. William J. McGuire Don Ullmann • Current market environment President and CEO Senior Vice President—Fixed • Disciplined balance sheet McGuire Performance Solutions, Inc. Income Division management approach Keefe, Bruyette & Woods • Reducing earnings volatility Gain insights into the new requirements • Pricing loans and deposits for financial model risk assessment Charles A. Crowley Senior Vice President—Fixed • Structuring the investment portfolios implied by Sarbanes-Oxley Section 404 Income Division and how these inter-relate with existing 4:15 p.m. – 5:15 p.m. Keefe, Bruyette & Woods regulatory and business mandates. Gain insight into the context for today’s Conference Sessions • A review of existing model risk assessment market environment. Discuss wholesale Anatomy of A Liquidity mandates: OCC 2000-16 and Beyond management techniques, as well as Contingency Funding Plan • What the industry looks like: MPS model verification client experiences how performance has changed over Leonard Matz • The key role of institution specific model recent market cycles. Strategies for Managing Director customization and behavior inputs dealing with the special challenges of the Kamakura Corporation • Defining a bullet-proof control environment present yield curve will be highlighted. for your ALM model and ALCO A liquidity contingency funding plan • Gain the ability to assess risks of the (CFP) is sometimes seen as a document • A guide to a complete model risk present market environment assessment solution under the new regime to pull out of the cupboard to show the • Learn about the latest securities examiners, but it is critical for crisis Are Competitive Pressures Mandating market developments and how these benefit bank portfolios planning. Learn about the six key Irrational Deposit and Loan Pricing? • Sharpen focus on key ALCO issues that can elements in a robust, practical CFP. Dan M. Rolett positively impact ROE while managing risk • Exactly what is liquidity contingency risk? Vice President Bank of the Ozarks, Inc. • The need for contingency planning 12:00 p.m. – 1:30 p.m. • Overview of CFPs Brent Geels Luncheon Address • The six key components Senior Vice President • Hard stuff Twin City Bank Economic Outlook Community banks are facing intense William C. Dudley Understanding the True Cost of Capital downward pricing pressures from larger Chief US Economist Kent D. Carstater banks and de novo banks. To combat Goldman Sachs Principal these competitive pressures, community Keefe, Bruyette & Woods, Inc. Learn what the future holds for growth, banks must innovate pricing strategies, inflation, and interest rates in the United What is the true cost of capitalizing which simultaneously promote retention States. In addition, find out more about your organization’s growth? Learn of profitable deposit and loan customers key risks to the forecast and what they about capital alternatives available to and maintain long-term profitability. mean to outlook of the economy. community banks and their impact on the financial condition and • Become equipped to formulate profitable pricing and funding strategies responsive performance of the bank, including to current competitive pricing realities deciding which form of capital to issue.
  • 5. • Regulatory Capital Find out more about stress testing Jeremy Taylor Jr. • Industry Capitalization techniques, scenarios and reporting Asset Liability and • Capital Alternatives (common stock, that can lead to a more effective Investments Manager preferred stock, trust preferred decision-making process. MainSource Financial Group securities, subordinated debt) • Identifying the key assumptions Phillip J. Mantua (Moderator) • EPS impact of various capital alternatives Executive Vice President & that most influence results • The importance of assumption validation Chief Financial Officer Tuesday, October 25, 2005 Sandy Spring Bank • Quantifying the impact of 8:00 a.m. – 9:00 a.m. prepayments, call/put options • Liquidity risk management • Use of alternative non-maturity • Loan Policies that may be incorporated to Keynote Address deposit assumptions make a difference Kathryn E. Dick • Avoiding the analysis paralysis trap • Questions and answers to attendee’s A/L Deputy Controller for Risk concerns Ideal Investment Portfolios for Evaluation Community Banks Office of the Controller 2:15 p.m. – 3:15 p.m. of the Currency Michael Boyle Conference Sessions Vice President, Fixed Income 9:15 a.m. – 10:15 a.m. Institutional Sales Loan Pricing Models: KeyBanc Capital Markets Possibilities & Pitfalls General Session In today’s volatile interest rate Thomas A. Farin Models: Can’t Live With Them, environment, you need to focus President Can’t Live Without Them! on liquidity, rate sensitivity, tax Farin & Associates, Inc. Carl Tannenbaum management and total return when Learn more about the various Group Senior Vice President/ managing their investment portfolios. approaches to using models in loan Director Capital Markets Research Find the best way to implement pricing decisions and benefit from ABN AMRO Inc. and monitor your investment a number of case study examples. Risk management models have decisions to successfully mitigate • History and approach to using cost plus become ever-more sophisticated. risk and increasing returns. pricing models These tools have supported the • Build a solid foundation for investment • Pricing loans off investment alternatives development of products and risk practices • Adjusting pricing for interest rate risk, strategies. But, like any tools, models • Review and discuss the importance credit risk, option risk, and servicing cost can be dangerous if misused. This of liquidity • More effective decisions when considering session will offer some perspective • Learn about best practices in managing rate various loan and investment alternatives on the proper balance between sensitivity, tax management and Forward-Looking Liquidity Risk Metrics total return mathematics and common sense. Thomas E. Bowers • Gain a better understanding of how models 11:45 a.m. – 12:45 p.m. Assistant Vice President can best be used IPS-Sendero Institute Lunch • Learn how deeply to invest in sophistication Prospective liquidity planning can • What is the correct balance for 1:00 p.m. – 2:00 p.m. foster earnings stability during changing statistical analysis market conditions. Learn about the Conference Sessions 10:45 a.m. – 11:45 a.m. three sources of funding liquidity risk, Accounting Issues Impacting Balance along with quantitative techniques to Conference Sessions Sheet Management Strategies estimating net funding requirements. ALM Model Stress Testing William T. Walton • Structural, behavioral and contingent Michael R. Guglielmo CPA liquidity risk defined Managing Director Dixon Hughes PLLC • Identify cash flow stressors; better Darling Consulting Group practices include forecasting and Top ALM Challenges of the Day management information systems tailored Knowing how your ALM modeling Max S. Yates to the institution’s cash flow dependencies assumptions influence your earnings- Executive Vice President & • Prepare scenario-based cash flow projection and value-at-risk measures is critical Director of Treasury analyses and the assumptions needed to maintaining a proactive balance and Risk Management to drive them sheet management process. BankPlus
  • 6. 3:30 p.m. – 4:30 p.m. POST-CONFERENCE execute a sound and well thought out hedging strategy. In order to achieve Conference Sessions AGENDA this, you need a firm foundation and Deposit Pricing Models: understanding of all the elements that Possibilities & Pitfalls Wednesday, October 26, 2005 make up such a strategy. At this two-day Thomas A. Farin intensive program you will learn how to: President 8:00 a.m. – 8:30 a.m. • Neutralize your bank’s underlying risk and Farin & Associates, Inc. net income volatility Post-Conference Seminar Registration This session will discuss the • Identify the methods and simple 8:30 a.m. – 5:00 p.m. instruments that should be used to development of an effective deposit pricing process including using One-Day Post-Conference Seminar accomplish risk reduction • Recognize the pros and cons of accounting models to aid in pricing decisions. Interest Rate Risk Hedging Strategies consequences from various hedging • Implementing an effective deposit pricing for Regional & Mid-Sized Banks strategies process for the institution’s ALCO process Kent E. Westerbeck • Learn about on balance sheet and derivative • Tools for evaluating deposit Senior Vice President, Treasury hedging under FASB 133 pricing alternatives Risk and Asset Management • Develop a hedging policy • How to choose between retail and ABN AMRO North America and wholesale funding sources LaSalle Bank Corporation 8:30 a.m. – 5:00 p.m. • Development of segmentation Two-Day Post-Conference Seminar strategies that will assist in managing The economic, regulatory, and an institution’s cost of funds financial reporting events of today are (October 26: 8:30 a.m. – 5:00 p.m., creating an uncertain and challenging October 27: 8:30 a.m. – 4:00 p.m.) Compete More Profitably environment. Banks, their senior Interest Rate Risk and ALM on Pricing Using Funding Cost management and boards must Thomas E. Bowers Reduction Techniques understand and address their balance Assistant Vice President Bob Newman sheet and income statement risk. IPS-Sendero Institute Director, Financial Institutions Group At this intensive one-day program You wrestle with ALM issues every Chatham Financial Corporation you will learn how to: day in the current economic environment. Today, managing risk Clark Maxwell • Describe the unique risk of your bank Director, Financial Institutions exposure is not only required by • Establish a targeted level of interest rate risk Group regulators, it is dictated by survival • Identify the sources of convexity/ Chatham Financial Corporation prepayment/options risk and the driving need to increase your • Establish board-level policies of interest earnings and profitability. Over two- In an environment of intense rate risk days, this program will help you to: competition and an unpredictable • Apply hedging strategies to manage • Gain an understanding of tools used interest rate landscape, learn how to convexity risk for interest rate risk management leverage popular hedging strategies and • Develop the mechanics of taking • Grow your ability to identify the explore how interest rate swaps, caps long-term or short-term interest- financial options embedded in the and floors can be used effectively. rate-risk positions while, at the same balance sheet, understand their risk • Why use derivatives for balance time, targeting a “neutral” level of and return implications and develop sheet management? earnings and market-value risk strategies for controlling exposures • Overview of FAS 133 • Obtain skills in core deposit 8:30 a.m. – 5:00 p.m. • Hedging strategies to manage evaluation, both re-pricing behaviors interest rate sensitivity Two-Day Post-Conference Seminar for income simulation and duration • Hedging programs for (October 26: 8:30 a.m. – 5:00 p.m., assumptions for EVE assessments commercial borrowers October 27: 8:30 a.m.– 12:00 p.m.) • Extend EVE measurement beyond regulatory compliance into a management Hedging Balance Sheet Risk Boot tool for quantifying the long-term Camp for Community Banks, consequences to a balance sheet strategy Thrifts & Credit Unions Ray M. Fisher President & Chief Executive Officer AmeriServ Associates, Inc. The key to successful management of interest rate and optionality balance sheet risk is in being able to
  • 7. About BAI BAI is the financial services industry’s leading professional organization focused on enhancing employee and organizational performance. More Sessions, Through ground-breaking research and an award-winning magazine, Banking Strategies, BAI provides the latest insights on complex, strategic More Networking, More Value issues in financial services. Through seminars, graduate schools and conferences—including the industry’s premier event, BAI’s Retail Delivery Conference & Expo—BAI reaches thousands of financial services As an added benefit to your conference registration, professionals each year to deliver content designed around critical business needs and to facilitate vital connections between financial you will also have complementary access to the co-sited 23rd Annual services professionals, industry experts and solutions providers. Focusing Treasury Management Conference. You can build a customized on business issues and performance drivers, BAI applies its extensive line of training, metrics and employee assessments to help clients leverage agenda and network with an even wider-range of financial services their most important asset—their employees. For more information, visit www.bai.org professionals. Visit www.bai.org/treasury/br for details. Registration Information Who Should Attend: FEES should be received no later than two weeks prior to the date the program begins. Payment in U.S. dollars is to accompany all registrations. • Chief Investment Officers Confirmation of your registration is provided on your invoice. • Treasury Professionals SUBSTITUTIONS are allowed at any time. Please notify us as soon as possible with your replacement’s information. • Balance Sheet & Capital Managers CANCELLATIONS/REFUNDS: If you need to cancel for any reason, please • Asset & Liability Managers & Analysts notify Customer Service in writing at BAI, One North Franklin, Suite 1000, Chicago, Illinois 60606-3421. Or simply use our convenient fax line at 312- • Model Managers & Analysts 683-2373, or e-mail your cancellation to info@bai.org. You will receive a full refund if your cancellation request is made more than 30 days prior to the • Liquidity Funding Managers program start date. If you cancel within 1–30 days of the program start date, your payment amount can be used as a credit toward another BAI program • Chairmen/Presidents/CEOs (must be used within one year) or can be refunded to you less a $200 processing fee. Sorry, cancellations made after the program begins are non- • Financial & Accounting Managers refundable. Of course, you may transfer your registration to another person • Auditors prior to the start of the program. BAI reserves the right to change speakers or reschedule/cancel sessions • Risk Managers when necessary. We are not responsible for airfare penalties that may be incurred due to cancellation of any BAI program. • Portfolio Investment Managers Register online today at: www.bai.org/alm/br  BAI recognizes the need to comply with the Americans with Disabilities Act. Please contact BAI Customer Service at 800-224-9889 (or 312-683- 2464) so that we may accommodate any special needs you may have. Business casual attire is recommended. BAI Center for Certification These conference sessions qualify and are recommended for Certified SM Bank Auditor™ (CBA) and Certified Risk Professional (CRP) continuing professional education credits. Visit www.bai.org/certifications for more details. NASBA BAI is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN 37219-2417. Web site: www.nasba.org. For more information regarding administrative policies such as a complaint or refund, please contact BAI Customer Service at 800-224-9889. RECOMMENDED CPE HOURS 13th Annual BAI Community Bank Asset/Liability BAI would like to thank the following Management Conference: 13.5 hours Pre-Conference Workshops: Premiere Sponsors: 3 hours each (for half-day workshops) Post-Conference Seminars: Interest Rate Risk Hedging Strategies for Regional & Mid-Sized Banks: 8 hours Hedging Balance Sheet Risk Boot Camp for Community Banks, Thrifts & Credit Unions: 13 hours Interest Rate Risk and ALM: 16 hours Earn up to 39 CPE credits Method of Presentation: Interactive Lecture Prerequisites: None Level of Learning: Beginning to Advanced Advance Preparation: None Field of Study: Specialized Knowledge
  • 8. Non-Profit Organization U.S. Postage PAID Chicago, IL Permit #5636 CONFERENCE REGISTRATION INFORMATION To expedite your registration, please have the following information available. YES! Register me now for: 13 Annual th Keycode# = WBRO Community Bank Asset/Liability Please Check One: ❏ Audit Management Conference (Program #6842) ❏ ❏ Branch Delivery Call Center ❏ Capital Markets October 24 – 25, 2005 • Orlando, FL ❏ ❏ Card Mgmt Chairman/Pres/CEO Conference Registration Fees ❏ ❏ Commercial Corp. Banking Compliance/Regulatory Early Registration Discount—Save $100 ❏ Fin. & Acctng/ Fin. Mgmt ❏ Float Mgmt If registration is received on or before September 2, 2005 ❏ Human Resources ❏ Internet Delivery ❒ BAI Member Fee: $1,095 ❏ Investment Banking ❏ Investment/Ins. Products ❒ Non-member Fee: $1,295 ❏ Legal ❏ Lending If registration is received after September 2, 2005 ❏ Loan/Credit Review ❏ Marketing ❒ BAI Member Fee: $1,195 ❏ Operations ❏ Payments ❒ Non-member Fee: $1,395 ❏ Retail Banking ❏ Risk Mgmt Team Discounts* ❏ Sales ❏ Security Groups of three or more from the same organization, ❏ Small Bus. Banking registering at the same time, can take $100 off each ❏ Technology registration fee. You must register your entire group at ❑ Check Enclosed (Payable in U. S. Dollars to BAI) ❏ Training & Development ❏ Treasury/Asset Mgmt the same time, or you will not receive your discount. ❑ Charge It: ❏ Wealth Mgmt Team discount can not be combined with Early ❑ VISA ❑ MasterCard ❑ American Express ❑ Diners Club ❑ Discover Registration Discount. Pre-Conference Workshops: October 23, 2005 Credit Card No. Expiration Date Authorized Signature Amount Half-Day Workshops ❑ Mr. ❑ Mrs. ❑ Ms. ❑ Miss 8:30 a.m. – 11:30 a.m. ❑ Valuing Equity Using Long-Term First Name M.I. Last Name Income Simulations (Program #6734) ❑ The Essentials of Funds Transfer Pricing (Program #6735) Title 1:30 p.m. – 4:30 p.m. ❑ Investment Leverage Strategies for Area of Responsibility Community Banks (Program #6737) ❑ Managing Earnings at Risk, Market Risk, Transfer Pricing, Credit Risk and Economic Capital under a Unified Umbrella (Program #6738) Company ❑ Equipping Board Members to Understand and Question Policies and Practices (Program #6739) Address Half-Day Workshop Price*: ❑ BAI Member Fee: $295 per workshop Mail Code / Suite / Floor / Room ❑ Non-member Fee: $395 per workshop Post-Conference Seminars: City State / Province Zip + 4 / Postal Code Country October 26, 2005 ❑ Interest Rate Risk Hedging Strategies for Area Code Phone Number Extension Fax Number Regional & Mid-Sized Banks (Program #6255) ❑ $695 Member ❑ $795 Non-member Emergency Phone Number October 26 – 27, 2005 ❑ Hedging Balance Sheet Risk Boot Camp for Community Banks, Internet E-mail Address Thrifts & Credit Unions (Program #6390) ❑ $945 Member ❑ $1,095 Non-member Please provide us with your e-mail address, as well as your fax number, so that we can keep you updated on BAI conferences and seminars, graduate schools, in-house education, and a full range of online and text-based training courses. ❑ Interest Rate Risk and ALM (Program #6239) ❑ $1,095 Member ❑ $1,245 Non-member ❑ No, Please do not add me to your e-mail list HOTEL INFORMATION *Discounts do not apply to pre- or post- conference workshops. Workshops are in addition to conference fees. OFFICIAL HOTEL AND SPECIAL RATE(S) and cancellations need to be received no later Renaissance Orlando Resort at Sea World than 9/29/05 either by fax at 800-375-5543 or 6677 Sea Harbor Drive 312-683-2373 or by phone at 800-224-9889 Orlando, FL 32821 (outside US 312-683-2464). Hotel cut-off date: 9/30/05 Cancellations must be made directly with Registration is easy... Single/double rate: $189.00 the hotel after 9/30/05. Cancellations made By Internet www.bai.org/alm/br Access hotel information and make your reservations less than 48 hours prior to arrival will be By Phone 800-224-9889 (or 312-683-2464) based on availability at www.bai.org under conferences subject to a one night deposit plus tax. By Fax 800-375-5543 (or 312-683-2373) and events. Or you can contact a member of our If there are any inquiries regarding the specifics of a Customer Service team at 800-224-9889 (outside US hotel, please forward a message to housing@bai.org By Mail BAI • 6028 Eagle Way 312-683-2464). Hotel reservation requests need to be Chicago, Illinois 60678-1060 received by 9/30/05. After this date, BAI will assign Photocopies of this form should be made to register additional attendees. rooms on a space available basis. All hotel changes 6842 XX.XM XX 6/05