24 n r m t conference - fiduciary and investment … firma national conference.pdf · conference...

San Francisco, CaliforniaMarch 28 - April 1, 2010

24TH NATIONALRISK MANAGEMENT

TRAINING CONFERENCE

24TH NATIONALRISK MANAGEMENT

TRAINING CONFERENCE

Amalgamated Bank of ChicagoAmarillo National BankAmerican National BankBancfirst Trust & Investment

Management CompanyBank of HawaiiBankVision, Inc.Bearmoor, LLCBNY MellonCalifornia Department of Financial

InstitutionsCannon Financial Institute, Inc.Capital OneCardinal Trust & InvestmentsCentral National BankChemung Canal Trust CompanyCitizens Trust and Investment Corp.Comerica BankComptroller of the CurrencyCountry Club Trust CompanyDeloitte & Touche, LLPDelta National Bank & Trust CompanyEdward Jones Trust CompanyEncore BankEvolve Bank & TrustFDICFederal Reserve Bank of AtlantaFederal Reserve Bank of ClevelandFederal Reserve Bank of DallasFederal Reserve Bank of New York

Federal Reserve Bank of San FranciscoFederal Reserve Bank of St. LouisFiduciary Services Consulting Group,

Inc.First Bankers Trust ServicesFirst Mid-Illinois Bank & TrustFirst National Bank of ShelbyFirst National of Nebraska, Inc.First Tennessee Bank, NAFirstMerit Bank NAFrost National BankGuaranty Bank and Trust CompanyHarris BankHartwell Group, LLCINTRUST Financial Corp.InvescoIowa Division of BankingJohnson Financial GroupJPMorgan Chase & Co.KeyBankM&M Consulting, LLC M&T BankMB Financial Bank, NAMercantil CommercebankNational City BankNebraska Dept. of Banking & FinanceNewTower Trust Co.Northern Trust BankKansas Office of the State Bank

Commissioner

Office of Thrift SupervisionOld National Trust CompanyPennsylvania Department of BankingPlains Capital CorporationPNC BankRabobank, NARSM McGladreyS.R. Snodgrass, ACSageworth Trust CompanySouth Dakota Division of BankingState Street BankSynovus Trust CompanyTD BanknorthTexas Department of BankingThe Bank of New York MellonThe First National Bank in Sioux FallsThe Huntington National BankThe Northern Trust CompanyThe Trust Company of VirginiaU.S. BankUnion BankUSAAVirginia Bureau of Financial InstitutionsWells FargoWhitney BankWhitney National BankZions Bancorporation

Organizations Represented at the 2009 National Conference

Current & Past Sponsors

Partner Organizations

American Bankers AssociationAccutech Systems Corporation

ADP Investor Communications ServicesBrainshark, Inc.

BPSDeloitte & Touche, LLP

Delta DataFederated Investors, Inc.

Fiduciary Education Center, LLC

Fiduciary Services Regulatory AlertGlobal Association of Risk Professionals

(GARP)Globe Tax Services, Inc.

Groom Law GroupINFORMA Investment Solutions

Innovative Systems, Inc.Insurance IQ

Paisley Consulting

PDS CompaniesPriceWaterhouseCoopers, LLP

ProxyTrustResource Insurance Consultants

Regulatory Compliance AssociationSIFMA-IAD

SparDataTrusts & Estates

Trust Imaging Systems, Inc.

American Bankers Association (ABA)Association of Certified Fraud Examiners (ACFE)

Campbell University/Trust EducationCannon Financial Institute, Inc.

Global Association of Risk Professionals (GARP)Securities Industry & Financial Markets Association –

Internal Audit Divison (SIFMA/IAD)

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Conference ScheduleSunday, March 28, 2010

Workshop Registration 11:30 am - 1:00 pmPre-Conference Workshops I and II 1:00 - 4:00 pmConference Registration 4:30 - 6:00 pm“First-Time Attendee” Reception 6:30 - 7:30 pm

Monday, March 29, 2010Late Registration 7:30 -8:00 amGeneral Sessions 8:00 - 11:45 amHosted Luncheon 11:45 am - 1:00 pmGeneral Session 1:15 - 2:45 pmConcurrent Town Hall Sessions I, II, III, IV 3:00 - 4:45 pmWelcome Reception 6:00 - 8:00 pm

Tuesday, March 30, 2010General Sessions 8:00 am - 12:45 pmSeminar Registration 2:00 - 2:30 pmIn-Conference Seminar 2:30 - 4:30 pm

Wednesday, March 31, 2010Concurrent Sessions 8:00 - 11:30 amHosted Luncheon and 11:45 am - 1:15 pm

FIRMA Annual Membership MeetingConcurrent Sessions 1:15 - 4:45 pm

Thursday, April 1, 2010General Sessions 8:00 am - 1:00 pmAdjourn 1:00 pm

FIRMA is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsorof continuing professional education on the National Registry of CPE Sponsors. State boards of accountancyhave final authority on the acceptance of individual courses for CPE credit. Complaints regarding sponsorsmay be addressed to National Registry of CPE Sponsors,1540 Fourth Avenue North, Suite 700, Nashville,TN 37219-2417. NASBA phone number (615) 880-4200. Website: www.nasba.org.

“First-Time Attendee” ReceptionSunday, March 28 – 6:30 - 7:30 pm

Hosted by FIRMA

FIRMA is delighted to host a special reception for our “first-time” Conference attendees. Our guests will learn about the events planned for the Conference week, will receive tips for navigating through the many sessions –

both general and concurrent – and will learn about FIRMA’s mission and the benefits of FIRMA membership. Guests are also encouraged to share questions with the FIRMA ambassadors.

This informal reception provides an easy Conference introduction for our new attendees.

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FIRMA™ is proud to sponsor its twenty-fourth Annual National Risk ManagementTraining Conference and we are pleased tobring outstanding topics and speakers tothe famous Palace Hotel in San Francisco.In these turbulent financial times, FIRMAstands strong in our belief that there is nomore vital time than now for training andunderstanding. In recognition of this,FIRMA is proud to provide training re-sources to risk management professionalswho are responsible for asset management,broker/dealer activities, and insuranceproducts.

Our national speakers will discuss the cur-rent trends in the industry, new productsand specialized lines of business, and willprovide insights to the management andcontrol of associated risks. Our program isdesigned to provide valuable benefits to:

• Fiduciary Auditors and Compliance Officers

• Asset and Investment Management Professionals

• Fiduciary Executives• Risk Management Professionals• State and National Regulators • Legal Counsel• Certified Public Accountants

Our program will offer a unique combina-tion of general sessions and individualizedgroup sessions. Our general sessions willprimarily address issues of significant im-portance to the risk and investment man-agement industry. This year, we are pleasedto continue our offerings of expandedbreakout sessions, held on both Mondayand Wednesday. We will offer separate ed-ucational tracks each of these days, totaling32 breakout sessions. These sessions focuson more specialized products and servicesfrom which attendees can choose the top-ics of most importance to their institutions.We are also pleased to offer two valuablePre-Conference Workshops on Sundayprior to the start of the formal conferenceas well as a 2-hour In-Conference Seminaron Tuesday afternoon.

Workshop and Seminar FeesPre-Conference Workshops are $125.00for FIRMA members and $250 for non-members. The fee for our In-ConferenceSeminar on Tuesday is $100 for FIRMAmembers; $165 for non-members.

Conference Fees –(No price increase since 2007)Conference fees are $1,295 for FIRMAmembers and $1,495 for non-members.This fee includes all conference materials,daily continental breakfasts, morning andafternoon refreshment breaks, two lunch-eons and a Monday evening welcome re-ception.

EARLY PAYMENT DISCOUNT - Forconference payments received prior toFebruary 15, 2010, the conferencefees are $1,195 for FIRMA membersand $1,395 for non-members.

Group DiscountsGroup discounts to the above prices areavailable as follows. Group registrationsmust be received as a group and paidthrough a single invoice.

• 5% off the above fees for 3 registrations • 10% off the above fees for 5

registrations • 20% off the above fees for 12 or more

registrations

Special Fee Offer for RegulatorsFIRMA also offers special fees for atten-dees from national and state regulatoryagencies. Please call our FIRMA Office at678-565-6211 to inquire about these spe-cial conference fees.

Cancellation Refund PolicyCancellations received prior to March 9,2010, will be refunded in full. Cancella-tions received March 9th through March19th will be refunded subject to a $150service charge. Cancellations made afterMarch 19, 2010, are non-refundable. Norefunds will be processed unless the can-cellation is made in writing. Note: Youmay transfer your registration to anotherperson at any time.

FIRMA reserves the right to change speak-ers or reschedule or cancel sessions whennecessary. FIRMA is not responsible forairfare penalties that may be incurredshould this program be canceled. For moreinformation regarding seminar administra-tive policies such as complaint or refund,please contact our offices at 678-565-6211.

Continuing EducationThe 2010 Training Conference provides 23continuing professional education hours.The Pre-Conference Workshops each pro-vide 3 continuing professional educationhours; the In-Conference Seminar provides2 continuing professional education hours.All of these hours will be recognized asFIRMA-specific for FIRMA certifiedmembers.

Conference Education Prerequisites The program skill level for this Conferenceis rated “Intermediate”. This program israted Intermediate because of the educa-tional and/or experience requirements asfollows:

• Attendee should be a Certified professional; or

• Attendees should have at least one yearof general trust or fiduciary work experience in the fields of personal trust, employee benefit trust, audit, compliance, or risk management; or

• Attendees should have passed a one-week trust school course offered by Cannon Financial Institute orCampbell University, or an equivalent industry program; or

• Attendee should have attended a previous FIRMA education program.

Tax Deductibility The cost of continuing education (whentaken to maintain or enhance professionaldevelopment) may be tax deductible.Please consult with your tax accountant formore information.

24th Annual National Risk Management Training Conference

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SUNDAY, MARCH 28Pre-Conference Workshops

Workshop I: Trust Boot Camp – 1:00 - 4:00 pm

Workshop II: Estate Tax Law Changes – 1:00 - 4:00 pm

ERISAEd Seifried ConsultantOro Valley, Arizona

Join Ed for a primer on thefiduciary duties and re-sponsibilities imposed byERISA, including a dis-cussion on the potentialfor personal liability.

Trust OperationsMichael Daly Vice President and Manager SP&SS Risk Management and QualityControlUNION BANK San Francisco, California

Please join Mike for a concise overview ofsecurities movement and control as well ascoverage of basic trust operational func-tions, recordkeeping, and controls.

Personal TrustSally Larson Sargent SVP & Head of Personal TrustMB FINANCIAL BANK, N.A.Rosemont, Illinois

Join trust veteran Sally Larson Sargent fora discussion of her Top Ten List of what atrust administrator needs to know. Basic

Training will include re-viewing the trust docu-ment, knowing and lovingyour trust accounting sys-tem, documenting dis-bursements, handlingdiscretionary distributionrequests, working with portfolio managers,providing statements, balancing fiduciaryduties and developing new business.

IRAsBridget Kovalik Vice President & Trust Officer HUNTINGTON NATIONAL BANK Akron, Ohio

These popular retirement vehicles presentunique challenges for owners, trustees andcustodians. Please join Bridget for an im-portant discussion of the operational, in-vestment, and legal requirements andguidelines.

Reg 9Bradley F. Beshea, CRP, CFIRS SVP, Fiduciary Compliance OfficerFROST NATIONAL BANKSan Antonio, Texas

Reg 9 is widely viewed as the acceptedstandard for trust department governance.Please join Bradley for this importantoverview of Reg 9 requirements.

Trust Audit & ControlsGary Pelcak Chief Audit ExecutiveCENTRAL NATIONAL BANKJunction City, Kansas

Jennifer DeVries FVP, Director of Risk Management &OperationsMB FINANCIAL BANK, NARosemont, Illinois

This “How To” Session isfor Beginning to Interme-diate auditors and com-bines lectures, bestprac tices, and interactiveclass discussions using theaudit process to buildtechniques to assist in identifying key com-ponents to audit, skill sets to build the auditteam, a risk assessment model, the auditcalendar, and positive relationships withmanagement. The expectation from attend-ing this session should enable the auditorto resource, plan, develop, and implementan audit program that incorporates bestpractices and addresses regulatory require-ments for the internal auditor.

The Boot Camp FormatPlease join our subject-matter experts for a unique offering of general fiduciary topics. This “Boot Camp” Workshop will offer basic-leveltraining for each topic. Attendees may choose two of the six topic offerings, as follows:

ERISA; Trust Operations; and Personal Trust will be offered during the first 90-minutes (Choose One)Trust Audit & Controls; IRAs; and Reg 9 will be offered during the second 90-minutes (Choose One)

Fran DeMarisExecutive Vice PresidentCANNON FINANCIAL INSTITUTEAthens, Georgia

Fran DeMaris of Cannon Financial Institute willpresent an up-to-the-minute look at Gift and Es-tate Tax under the continuing rules of EGTRRA,as EGTRRA comes to Sunset. In 2010, the cur-rent law eliminates both Estate and Generation-Skipping Tax, with continuing Gift Tax. That, in

itself, will present challenges. Additionally, there will be total revi-sion of the concept of "step-up" basis, which has been the law fordecades. Just to make this more entertaining, there is a good pos-sibility that by the time we meet, all the current rules could easilybe changed!! Come to this early session to be the first in the know.Fran will provide all the insight you might require, along with achance to laugh at ourselves as citizens of a nation that uses tax lawas a channel for humor. Get the real story on what has happened,what is happening, and what is likely coming in the future.

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MONDAY, MARCH 29General Sessions

Welcoming Remarks8:00 - 8:15 am

FIRMA President Keith A.Bujalski, CTA, CPA, CFSA

Opening Keynote Address8:15 - 9:15 am

Where Do We Go from Here: Risk Management after theFinancial Meltdown

Kevin McCabeEVP/Chief AuditorWELLS FARGO & COMPANYSan Francisco, California

Kevin McCabe will provide an overview ofthe regulatory pressures and legislative re-action to the financial services crisis anddescribe what will be expected of all com-panies to improve their enterprise risk man-agement process and internal auditdepartments. He will also discuss what ittakes for internal audit to become strongand how audit, risk groups, and the line ofbusiness must interact to improve theirERM. Finally, he will describe why internalaudit cannot be strong unless it partnerswith the risk groups to become strong to-gether.

General Session9:30 - 10:30 am

Vendor RiskJanErik E. Aase, COPVP – Enterprise ProcurementAMERIPRISE FINANCIALMinneapolis, Minnesota

How the "new normal" will and should notimpact governance of 3rd party vendors.Robust balance sheets, redundant sites,and robust R&D budgets might be a thingof the past. But data protection, perform-ance management, and risk mitigation arealive and well.


Valuation Strategies for Complex and Uncertain Times

Dr. Perry H. Beaumont, PhD.PresidentCSV, INC.Richfield, Connecticut

In this session Dr. Beaumont will providepractical real-life case studies and solutionsfor valuing a variety of financial assets andwith a special focus on the challenges oftoday's global marketplace. Perry bringsthe perspective of both a practicing profes-sional and an academic, and his remarkswill include a "Top 10" list of things everyfinance professional should be aware ofwhen it comes to maximizing valuationtools and resources. His comments willalso incorporate up-to-the-minute perspec-tives of regulatory matters affecting securi-ties pricing and related expectations forfund managers, risk managers, auditors,and others.

Luncheon Speaker 11:45 am - 1:15 pm

Audit and Compliance Coordination

James F. StricklandChief Audit ExecutiveTDBANKNORTH, N.A.Portland, Maine

As a follow-up to a presentation at lastyear's conference that presented the resultsof a FIRMA member survey on best prac-tices and tendencies in Compliance, Auditand Risk Management oversight for broker-dealers and wealth management, Jim willprovide attendees a practical view of the ap-plication of those practices. Calling on 25years of experience, Jim will discuss toolsand techniques that have proven effectivein coordinating Audit and Compliance

oversight activities in banks with brokerdealers and wealth management busi-nesses, interacting with regulators, whatlessons have been learned from the indus-try events of the recent past, and whatchanges may be in order to increase therole's effectiveness in a post financial re-form world.

General Session1:15 - 2:45 pm

Conflicts of Interest Red Flags

Fran DeMarisExecutive Vice PresidentCANNON FINANCIAL INSTITUTEAthens, Georgia

Fran DeMaris of Cannon Financial Insti-tute will talk to us about Conflicts of Inter-est - Red Flags in this session. The topic isleft a bit open, so she can bring the fresh-est, meatiest, most important items to ourattention. In a time where everyone wantssomeone to blame, and lawsuits are ram-pant; it is imperative that each of us learnsto manage the risks we see daily with newvigor. We all know that "when you are inthe trust business, you are in the liabilitybusiness". But our ability to stay informed,thinking forward and being proactive, pro-vides the opportunity to separate us fromothers in a meaningful and positive way.Come to Fran's session to put yourself incharge of your own destiny, and enhanceyour job skills for you and your company.

FIRMA’s Welcome Reception 6:00 - 8:00 pm

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MONDAY, MARCH 29Town Hall Sessions

Concurrent Sessions – 3:00 - 4:45 pm

Town Hall I3:00 - 4:45 pm

Auditing Brokerage and Investment ActivitiesKeith WenkSenior Manager AERS, Financial Services DELOITTE & TOUCHE LLPSan Francisco, California

Please join Keith for an interactive discussion of the critical riskpoints in the audit of brokerage and investment activities in banks.Attendees will learn about sampling, risk activity profiling, askingthe right probe questions, compliance and best practice testing, aswell as effective communications.

Town Hall II3:00 - 4:45 pm

Account Pre-Acceptance – Asset AnalysisKaren S. Koehn, CTCPVice PresidentWealth Management Compliance OfficerINTRUST FINANCIAL CORPORATIONWichita, Kansas

No doubt we are all familiar with the acceptance of cash and secu-rities in-kind into our Wealth Management accounts. But what doyou do when you are faced with “OTHER” assets? Acceptance ofFarm, Ranch, Commercial, and Residential Real Estate and Min-eral Interests has become fairly routine to many of us. But what doyou do when you are faced with the acceptance of race-horses, an-tique furniture, a historic log-cabin, or worse…?

Join Karen Koehn in this interactive group discussion as we talkabout and explore what to look for when accepting “Unusual As-sets”. This is a Town Hall format, designed not for lecture or re-viewing prepared slides. This will be a roll-up your sleeves, livelydiscussion as together we look for ways to identify and minimizerisk.

Town Hall III3:00 - 4:45 pm

Control Self-Assessment ProcessJulie PerkinsManaging DirectorTechnology Risk Management Services RMS MCGLADREYMinneapolis, Minnesota

Julie Perkins, RSM McGladrey Managing Director, will lead a 90minute town hall session on key considerations for control self-as-sessments. Attendees will gain an understanding of the role a con-trol self-assessments program may have within their organization.This interactive session is focused on the following areas:

• Overview and definition• Use of control self-assessment in auditing• Basic skills and tools • Benefits and concerns of control self-assessments• Need for control self-assessment in your organization’s risk

management process

Town Hall IV3:00 - 4:45 pm

Personal Trust Administrative ReviewsShelley GoldfarbPCS Operations Manager TD WEALTH MANAGEMENTBrattleboro, Vermont

Sally Larson SargentSVP & Head of Personal TrustMB FINANCIAL BANK, N.A.Rosemont, Illinois

Please join Shelley Goldfarb of TD Wealth Management and SallyLarson Sargent of MB Financial Wealth Management in a townhall conversation about their experiences in the preparation, docu-mentation and automation of administrative reviews. Attendeeswill gain an understanding of:

• Frequency of Reviews-How often/what account types. • Review Questions-Basics. • Source of Data-Internal (online) or External-(hard copy files). • Reg 9 Review-In relation to the Admin Review. • Automated Process vs. Manual Process-And the transition

between. • Approval Process

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TUESDAY, MARCH 30General Sessions

Keynote Session 8:00 - 9:45 am

Banking Regulator PanelJoel MillerSenior AdvisorAsset Management DivisionOFFICE OF THE COMPTROLLER OF THE CURRENCYWashington, D.C.

Barbara Cornyn Director – Fiduciary ActivitiesFEDERAL RESERVE BOARD Washington, D.C.

Judi McCormickManager of PolicyOFFICE OF THRIFT SUPERVISIONWashington, D.C.

Anthony J. DiMilo Examination Specialist - TrustSpecial Activities Section FDICWashington, D.C.

This is always a valuable and not-to-miss session with our primaryfederal regulators. These agency leaders will share their current fi-duciary examination and policy initiatives, each responding respec-tively to a series of questions posed by FIRMA. This unique formatwill allow attendees to hear how each agency is addressing financialreform.

General Session 10:00 - 11:30 am

Trust Legislative UpdateSally Miller DirectorCenter for Securities, Trust, and InvestmentsAMERICAN BANKERS ASSOCIATIONWashington, D.C.

This is another not-to-miss session. Regulatory restructuring, too-big-too-fail, and a consumer financial protection agency are frontand center issues for the 111th Congress. Come learn about thevarious proposals being discussed on Capitol Hill to regulate finan-cial services firms and how these proposals could impact the wealthmanagement industry. Congressional attention on derivatives, secu-rities lending, fiduciary responsibilities for broker-dealers as well asthose tax bills impacting bank trustees, will also be discussed.

General Session 11:45 am - 12:45 pm

Information SecurityMatthew SpeareSenior Vice PresidentM&T BANKAmherst, New York

With data breaches making headlines and with new and growingthreats coming from disgruntled insiders, viruses/worms, corporateespionage, cyber-terrorism, and information warfare, there is aheightened concern over information assurance. Today, largely in-visible enemies launch daily attacks on nearly every major corpora-tion and government agency, and rapidly adapt their tactics toaddress countermeasures. As the threat model evolves, traditional"perimeter" security measures are no longer adequate to protectsensitive information. It's time for enterprises to consider a numberof time-tested techniques and principles to prepare for such elec-tronic warfare. This session will present the newest techniques thathelp address evolving computer security threats.

In this session attendees will learn:• How to apply time-tested risk management techniques to

address evolving computer security threats, including multi-level security, compartmentalization, need-to-know, cryptography, layered defense, concentration of data flow, role separation, two-factor authentication, key rotation etc.

• How to evaluate your security infrastructure to identify the mostappropriate protection measures for your organization.

• How to deploy a security model that ensures that mission-critical data is backed up, replicated, and accessible, and enables organizations to completely retrieve data after such unplanned events as system failures, operational outages, andcyber threats.

• A list of common vulnerabilities and the newest attack techniques along with recommendations on addressing theseissues to effectively protect sensitive information

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In-Conference Seminar2:30 - 4:30 pm

Merger & Acquisition Due DiligenceKim DessormeauVP Wealth Compliance Manager TD BANKNORTH, N.A. Burlington, Vermont

Unsure what to look at to evaluate your newest merger/acquisition? Join Kim as she walks you through key due diligence issues, steps, andcritical best practices. The war stories are free.

TUESDAY, MARCH 30In-Conference Seminar

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SUNDAY MONDAY TUESDAYCO

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Workshop ITRUST BOOT

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ERISAEd Seifried

Reg 9Bradley F. Beshea

Personal TrustSally Larson Sargent

Trust Audit &ControlsGary Pelcak

Jennifer DeVries

OperationsMichael Daly

IRAsBridget Kovalik

Workshop IIESTATE TAX

LAW CHANGESFran DeMaris

Keynote Session8:00 - 9:45 am

BankingRegulator Panel

Joel MillerBarbara CornynJudi McCormick

Anthony J. DiMilo


Trust LegislativeUpdate

Sally Miller

General Session11:45 am-12:45 pm

InformationSecurity

Matthew Speare

Welcoming Remarks8:00 - 8:15 am

Opening Keynote Address8:15 - 9:15 am

Where Do We Go from Here: Risk Managementafter the Financial Meltdown

Kevin McCabe

General Session9:30 - 10:30 amVendor RiskJanErik E. Aase


Valuation Strategies for Complex and Uncertain TimesDr. Perry H. Beaumont

Hosted Luncheon11:45 a.m. - 1:15 pm

Audit and Compliance CoordinationJames F. Strickland

General Session1:15 - 2:45 pm

Conflicts of Interest Red FlagsFran DeMaris

CONCURRENT TOWN HALL SESSIONS3:00 - 4:45 pm

Town Hall IAuditing Brokerage and Investment Activities

Keith Wenk

Town Hall IIAccount Pre-Acceptance – Asset Analysis

Karen S. Koehn

Town Hall IIIControl Self-Assessment Process

Julie Perkins

Town Hall IVPersonal Trust Administrative Reviews

Shelley GoldfarbSally Larson Sargent

IN-CONFERENCESEMINAR

2:30 - 4:30 pmMerger &

AcquisitionDue DiligenceKim Dessormeau

PRE-CONFERENCEWORKSHOPS1:00 - 4:00 pm

First-TimeAttendeeReception

6:30 - 7:30 pm

FIRMA’S Welcome Reception6:00 - 8:00 pm

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WEDNESDAY THURSDAYCO

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Keynote Session8:00 - 9:00 amInvestment

Fraud – PonziRides Again

Jonathan E.Turner

General Session9:15 - 10:30 amOperations

RiskManagement

PanelMaggi BoutelleCristina Scassa


BusinessResumption or

BusinessAs Usual

Larry Kallembach

General Session12 Noon - 1:00 pm

SharingInformation

with Affiliatesand Third Parties

F. Jay Meyer

ConferenceAdjourns1:00 pm

TRACK I –Risk Issues

TRACK II –Operations Hot Topics

TRACK III –Asset Management

TRACK IV –Regulatory

Critical ERISA Issues

Roberta J. Ufford

Internal ControlReports: Facts, Myths

and Best PracticesFrancis P. Thomas, III

Suzanne Faulkner

Third Party MoneyManager Due

DiligenceScott Thoma

Securities RegulatorOpen Session –

SEC and FINRACarla RomanoJohn H. Walsh

8:00 - 9:00 AM

9:15 - 10:15 AM

10:30 - 11:30 AM

Critical IRA IssuesLisa Bleier

Operations RisksRuth Hanna Strong

Hedge Funds: TheTension BetweenManaging Risk &Risk Management

Douglas C. Wurth

Securities RegulatorOpen Sesson

SEC and FINRA(Repeat Session)

Enterprise RiskManagement

Dolores Atallo-Hazelgreen

Sub-Custodian RiskJohn Cotter

Hedge Funds –Globalizaton andIts Consequences

Douglas C. Wurth

RegulatorOpen Session –Department of

LaborBilly Beaver

CONCURRENT SESSIONSTRACK I –Risk Issues

TRACK II –Operations Hot Topics

TRACK III –Asset Management

TRACK IV –Regulatory

Burned Once...Using KRIs to Avoid

Litigation andVice Versa

Joan Dindoffer

Sub-Custodian Risk(Repeat Session)

Supervision ofRegistered

Representatives in aBank Broker Dealer

Deana King

RegulatorOpen Session –Department of

Labor(Repeat Session)

1:15 - 2:15 PM

2:30 - 3:30 PM

3:45 - 4:45 PM

ReviewingMarketing Materials

Deborah A. Austin

Class Actions andSEC Settlements

Dr. Francis McGovern

Dual HattingMelody M. Bohlmann

RegulatorOpen Session –

FinCENBarbara Keller

Fiduciary Roundtable – Small BankGary E. Pelcak

Fiduciary Roundtable – Large Bank

Anthony M. Palma

Investment AdvisorRoundtable

Carol A. Goulding

RegulatoryRoundtable

Larry J. Musher

GENERAL SESSION11:45 am - 1:15 pm

FIRMA ANNUAL MEMBERSHIP MEETING

CONCURRENT SESSIONS

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WEDNESDAY, MARCH 31Concurrent Sessions

8:00 - 9:00 am

Critical ERISA IssuesRoberta J. Ufford PartnerGROOM LAW GROUPWashington, D.C.

As more Americans approach retirement, the regulation of ERISAcovered retirement and other plans continue to grow more complex.This session will update developing legal issues and discuss newregulatory requirements for the operation and administration ofplans, including

• new guidance relating to the disclosure of plan fees and expenses by service providers, the timing for deposit of participant contributions, and providing investment advice and other information to participants in participant directed plans;

• developments in ERISA plan litigation, including responsibilities of 401(k) service providers and directed trustees; and

• developing issues for custodians and trustees of individual retirement accounts.

9:15 - 10:15 am

Critical IRA IssuesLisa Bleier Senior CounselAMERICAN BANKERS ASSOCIATIONWashington, D.C.

During Lisa’s session you will: • Plan for the newest and upcoming regulatory and legislative

changes• Learn the latest thinking on creating Auto-IRAs• Join a free-form discussion on the recapture of rollover dollars

10:30 - 11:30 am

Enterprise Risk ManagementDolores Atallo-Hazelgreen Firm DirectorDELOITTE & TOUCHENew York, New York

Please join one of country’s leading experts in ERM. Dolores willshare and attendees will learn in-depth and practical knowledgeabout the ERM process. Dolores will also discuss recent develop-ments in ERM theory, application, and practice.

1:15 - 2:15 pm

Burned Once ... Using KRIs to Avoid Litigation and Vice Versa

Joan DindofferVice President & Senior Trust CounselProfessional Trust Services COMERICA BANK Detroit, Michigan

Learn from your mistakes and mitigate risk. Work your complaintfiles and litigation experience to establish KRIs. Conversely, useyour KRI's to predict trouble, establish sound policies and proce-dures, and avoid litigation. War stories are promised!

2:30 - 3:30 pm

Reviewing Marketing MaterialsDeborah A. AustinVice PresidentPersonal Fiduciary DirectorUNION BANKSan Diego, California

Discover the role of fiduciary compliance and risk management inreviewing marketing materials. Marketing materials includes printand soft media, radio and television media as well as client mailingsand request for proposals as well as web site content. Attendeeswill also learn about standardization of content and disclosures. At-tendees will also learn what should and should not be included inmarketing materials. Examples and scenarios will be provided.

3:45 - 4:45 pm

Fiduciary Roundtable – Small BankGary E. Pelcak, CTA, CFSA, CFE - ModeratorChief Audit ExecutiveCENTRAL NATIONAL BANKJunction City, Kansas

What keeps us up at night? Join your peers in a discussion of bestpractices, problem solving, leadership, current issues, present chal-lenges, and possible approaches to address them. Gary Pelcak willuse more than 20 years of experience as an Audit/Compliance/RiskManagement professional to energize and facilitate this roundtablediscussion geared towards smaller bank trust departments.

Track I – Risk Issues

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Track II – Operations Hot Topics8:00 - 9:00 am

Internal Control Reports: Facts, Myths, and Best Practices

Francis P. Thomas, IIIAudit DirectorGLENMEDE TRUST COMPANYPhiladelphia, Pennsylvania

Suzanne FaulknerAssurancePRICEWATERSHOUSECOOPERSSan Francisco, California

How can you give clients assurance that the internal controls atyour financial institution are more than sufficient to avoid the pit-falls recorded in the press of dealing with funds that turn out to befraud schemes, the loss of your investment returns and the stunningrealization your net worth may be way less than your statement bal-ance? Fears need to be addressed and the primary tool we have topublically communicate the good news is a SAS-70 report. We’lllook at: (a) what the report is; (b) what responsibility users of thereport have to rely on the results; (c) what you can do to leverageinternal work and reduce the cost to your institution; and (d) dis-cuss the flip side of how you can be a user of other SAS-70 reportsas a way to improve your due diligence and controls with outsidevendors. Join us for this “eye opening” discussion (this is the firstsession of the day!)

9:15 - 10:15 am

Operations RisksRuth Hanna StrongVP and Chief Compliance OfficerWACHOVIACharlotte, North Carolina

Attendees to the Operational Risk Management session will learnto understand the implications of the different regulatory agencieson Operational Risk Management. We will focus on recent andproposed changes to the regulatory environment and then use busi-ness continuity planning as one example where regulatory emphasisis growing considerably. It is important to attend this session if youare interested in preparing your company, your agency, or yourself.

10:30 - 11:30 am

Sub-Custodian RiskJohn CotterVP & Global Custodian Network ManagerUNION BANK San Francisco, California

What is the role of the Sub-Custodian in the securities processingmodel? Please join John as he explains the role of the sub-custo-dian in terms of risk and accountability. After attending this session,attendees will be able to define sub-custodial risk versus marketrisk. Attendees will learn and be able to assess the components ofSub-Custodian risks in terms of Operational Risks, Credit Risks,Legal/contractual Risks, Systems/Communication Risks, PhysicalInfrastructure Risks, Regulatory Risks, and Settlement Risks. Atten-dees will learn and be able to assess the components of Marketrisks in the areas of Counterparty Risks, Foreign Exchange Risks,Depository Risks, Settlement Risks, Regulatory (including taxation)Risks, and Other Market Risks

1:15 - 2:15 pm

Sub-Custodian Risk (Repeat Session)

2:30 - 3:30 pm

Class Actions and SEC SettlementsDr. Francis McGovern, PhD.Professor of LawDUKE UNIVERSITY SCHOOL OF LAW Durham, North Carolina

Francis E. McGovern is a Professor of Law at Duke UniversitySchool of Law. In addition, he is a prolific writer and has served asa special master in some of the most complex cases in the litigationsystem including the distribution of SEC Fair Funds. He will dis-cuss how fiduciaries can fulfill their obligations when settlementshave been reached and plans of distribution are being implementedin securities cases.

3:45 - 4:45 pm

Fiduciary Roundtable – Large BankAnthony M. Palma, CFSA - ModeratorConsultantLittle Silver, New Jersey

Join your peers in an opportunity to participate in a discussion ofbest practices, current issues, present challenges and possible ap-proaches to address them. Tony Palma, a current member of theFIRMA Board of Directors, will use more than 20 years of experi-ence as an Audit/Compliance/Risk Management professional forlarge bank trust departments and registered investment advisers tofacilitate this roundtable discussion. This session will be closed toregulators but open to other attendees representing the fiduciaryand investment industry.


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Track III– Asset Management8:00 - 9:00 am

Third Party Money Manager Due Diligence

Scott Thoma Director of Investment AdviceEDWARD JONES St. Louis, Missouri

Along with asset allocation, there is no bigger determinant of in-vestment success than the strength of the money managers thatcomprise this allocation. But the process of selecting these man-agers can be quite complicated. In this session, we will discuss theimportant considerations of performing due diligence on third partymoney managers, including the initial selection process, ongoingdue diligence and performance reviews, as well as the analysis ofhow managers can work together to build better investment port-folios.

9:15 - 10:15 am

Hedge Funds: The Tension Between Managing Risk and Risk Management.

Douglas C. WurthManaging DirectorGlobal Head of Alternative InvestmentsJPMORGAN PRIVATE BANKNew York, New York

You are invited to hear from of our industry’s experts in AlternativeInvestments. Attendees will learn and be able to outline the ben-efits and risks around hedge funds and analyze whether or not reg-ulators should be promoting or discouraging a broader distribution.

10:30 - 11:30 am

Hedge Funds – Globalization and its Consequences

Douglas C. WurthManaging DirectorGlobal Head of Alternative InvestmentsJPMORGAN PRIVATE BANKNew York, New York

Many hedge funds are formed offshore, and most include invest-ments outside the US. Attendees will learn of the investment andregulatory implications that follow from an industry that spans theglobe.

1:15 - 2:15 pm

Supervision of Registered Representativesin a Bank Broker Dealer

Deana KingSenior Compliance OfficerM&T SECURITIES, INC.Rochester, New York

The handling of broker dealer supervision is an important and com-plex part of the duties and responsibilities of every supervisory prin-cipal and compliance professional in the financial industry. Giventoday’s regulatory climate and increased scrutiny of firms, it is crit-ical that organizations have a clear understanding of supervisionand the roles and responsibilities that go with it. This presentationwill review key topics of supervision, leveraging Deana’s 20 years ofexperience in a bank broker dealer environment.

• Regulatory Environment and Supervisory Structure• Creating Supervisory Hierarchy• Keeping the Supervisory Hierarchy on the right track• How do you insure compliance?• Evaluating risk

2:30 - 3:30 pm

Dual HattingMelody M. Bohlmann, CPAIM & T Investment Risk Manager WELLS FARGO BANKHouston, Texas

"Dual hatting" of employees is an industry practice that has beengrowing because it is helpful to business models. But, it is a subjectthat should make the antennas of risk managers, compliance per-sonnel, and auditors perk up and for good reason. This session willdescribe and attendees will learn what "dual hatting" is, what theissues are, and what can be done to address them.

3:45 - 4:45 pm

Investment Advisor RoundtableCarol Goulding - Moderator Group Vice PresidentM&T BANKBuffalo, New York

Join your peers in an opportunity to participate in a discussion ofbest practices, current issues, present challenges and possible ap-proaches to address them. This session will be closed to regulatorsbut open to other attendees representing the fiduciary and Invest-ment Advisor industry.

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Track IV – Regulatory8:00 - 9:00 am

Securities Regulator Open Session – SEC and FINRA

Carla RomanoVP and Chief Compliance OfficerFINRAChicago, Illinois

John H. WalshAssociate Director – Chief CounselSECURITIES AND EXCHANGE COMMISSIONWashington, D.C.

Please join Carla and John for an update on current regulatory is-sues including:

• a status report on the consolidated rulebook and sales practiceissues.

• FINRA/SEC examination program including examination priorities and findings.

9:15 - 10:15 am

Securities Regulator Open Session – SEC and FINRA (Repeat Session)

10:30 - 11:30 am

Regulator Open Session – Department of Labor

Billy BeaverRegional DirectorSan Francisco Regional OfficeDEPARTMENT OF LABORSan Francisco, California

Regional Director Beaver will discuss the current policy and exam-ination initiatives of the Department of Labor, as well as ERISAenforcement issues.

1:15 - 2:15 pm

Regulator Open Session – Department of Labor (Repeat Session)

2:30 - 3:30 pm

Regulator Open Session - FinCEN Barbara KellerDeputy Associate DirectorCompliance and Enforcement FINCENWashington, D.C.

Please join Barbara for a direct-from-Washington update on Fin-CEN’s current AML investigative and enforcement actions.

3:45 - 4:45 pm

Regulatory Roundtable Larry J. Musher - Moderator President FIDUCIARY SERVICES CONSULTING GROUP, LLC Baltimore, Maryland

Calling all examiners! Please join your peers in discussing today'sexamination issues and industry hot topics from a regulatory per-spective. This session will be limited to attendees who are currentlyworking for a state or federal regulator. Plan to participate in thisunique opportunity to share experiences and approaches to con-ducting examinations.

Hosted Luncheon and Meeting11:45 am - 1:15 pm

FIRMA Annual Membership MeetingKeith A. Bujalski, CTA, CPA, CFSA

FIRMA President


14

Keynote Session8:00 - 9:00 am

Investment Fraud – Ponzi Rides Again

Jonathan E. Turner, CFE, CIIManaging DirectorWILSON & TURNER, INC.Memphis, Tennessee

Ponzi schemes are all the rage these days. In fact many new fraudschemes have been dubbed Ponzi schemes, “mini Madoffs” andother titles, no matter how much they resemble this particularscheme or not. Nevertheless, there is something particularly in-structive about Ponzi schemes, their continued popularity with …victims. While there are many classic fraud methodologies, thePonzi scheme is particularly unique for its ability to ensnare indi-viduals and institutions, “mom and pop” types, sophisticated in-vestors, and leading multinationals. Its very notoriety should makeit the easiest fraud scheme to spot, and yet it continues to be oneof the most profitable models for the fraudster to employ. Accord-ing to the FBI they are now working more active Ponzi scheme in-vestigations, nearly 500, than any time in FBI history. What wasformerly perceived as a small scale scheme must now be acknowl-edged as one of the prime money makers in the fraud world. Thissession will use these schemes as a model to highlight the featuresof successful fraud schemes, identify the keys to their success andthe techniques necessary to counter them.


Operations Risk Management PanelMaggi Boutelle Senior Vice PresidentTrust Securities ProcessingUNION BANKSan Diego, California

Cristina ScassaSenior Vice PresidentOperational Risk ManagementTD BANKPortland, Maine

Cristina Scassa is SVP Operational Risk at TD Bank, America’sMost Convenient Bank. She is responsible for the implementationof a robust governance framework for Operational Risk Manage-ment at TD Bank that is not only aligned with the requirements ofthe Canadian parent bank and the Canadian regulators, but fullymeets the requirements of the US regulators and an independentboard of directors in the United States. At the conference, Cristinawill describe the key elements of the Operational Risk Manage-ment governance framework and describe how these have been op-erationalized at TD Bank. She will point out common challenges

associated with a complex, multi-level governance structure andsuggest options to ensure effective management of those chal-lenges. Anyone faced with demands from multiple regulators orfrom local management and remote governing parent companieswill benefit from Cristina’s presentation.


Business Resumption or Business as Usual –They are Closer Than You Think.

Larry KallembachChief Audit ExecutiveMB FINANCIALChicago, Illinois

Today’s world brings us a number of new trends into business- ubiq-uitous technology, on-line/any time consumers, virtual workplacesand virtual workspaces. All of these may face disruption from rel-atively common occurrences such as hardware failures, power orcommunications outages, a pandemic, or just bad weather. Intoday’s increasingly automated world, any threat to your businessecosystem can put your business at risk. Learn how to identifywhat is important in running your business and how to build re-sumption planning into your “business as usual”.

General Session12:00 noon - 1:00 pm

Sharing Information with Affiliates and Third Parties

F. Jay Meyer, Esq.CounselTD BANKNORTH, N.A.Portland, Maine

Institutional fiduciaries may share customer information with af-filiates or third parties for a variety of purposes, including accountservicing, client development, joint marketing and enforcement ofobligations. Such information sharing raises important privacy con-cerns, and may be subject to policies, statutes and rules includinginstitutional privacy policies, the Gramm-Leach-Bliley Act and Fed-eral Regulation P, the Fair Credit Reporting Act (FCRA) and theFair and Accurate Credit Transactions Act (FACTA). This seminarwill examine legal and privacy concerns arising from informationsharing with affiliated entities and third parties such as vendors andmarketing partners.

Conference Adjourns1:00 pm

THURSDAY, APRIL 1General Sessions

From www.hellosanfrancisco.com

Opened in 1937, the Golden Gate Bridge is among the best knownand most photographed bridges in the world and is often called themost popular tourist destination in the United States.

The Golden Gate Bridge is a suspension bridge that spans the“Golden Gate,” or the aperture of San Francisco Bay into the PacificOcean. Part of U.S. Route 101 and California State Route 1, itunites the city of San Francisco to Marin County.

The 1.7 mile-long structure was the longest suspension bridge spanin the world when it was completed. Today it’s still considered thesecond longest suspension bridge main span in the United States,second only to the Verrazano-Narrows Bridge in New York City.With its famous luminescent red color, the American Institute ofArchitects has listed the bridge among itstop five favorite structures.

Bridge designer Leon Moisseiff producedthe basic structural design, introducing his“deflection theory” by which a thin, flexibleroadway would bend in the wind, greatly re-ducing stress by transferring energy via sus-pension cables to the bridge towers. Whilehis plan for the Golden Gate Bridge was de-termined structurally sound, his originalTacoma Narrows Bridge suffered a famouscatastrophic collapse in 1940.

Two primary cables are each made of 27,572 strands of wire. Thereare 80,000 miles of wire in the main cables. The bridge has approx-imately 1,200,000 total rivets.

Walking across the bridge is available most days from 5 a.m. to 6p.m., although hours are later during the months of daylight savingstime. Bicyclists can cross 24/7. Bike rentals are available throughoutFisherman's Wharf for around $8/hour or $32 per day.

A Golden Gate Bridge Gift Center is located in the historic"Roundhouse" on the southeast side, behind the Strauss Statue.Designed in 1938, the Roundhouse was originally a restaurant forpassing motorists. Now it is open daily, 8:30 a.m. to 7:30 p.m. dur-ing the summer and 8:30 a.m. to 6:30 p.m. during the winter. Youcan look through a “virtual” gift center online at the official GoldenGate Bridge web site, www.goldengatebridge.org.

San Francisco FactsSan Francisco, with a population of almost 800,000 and an area

of 49 square miles, enjoys a reputation much larger than its actualsize. It's the second most densely populated city in the country,after New York. Tourism is San Francisco’s key industry, whichcould explain why it is often ranked as one of many travelers' fa-vorite cities. Its rolling hills, a mix of Victorian and modern archi-tecture, and well-known landmarks are what make San Franciscosuch an amazing place to see.

Entertainment is one thing that San Francisco does not lack. Ithas a variety of annual events that include the Stern Grove Festival,San Francisco Jazz Festival, Cherry Blossom Festival, Bay-to-Breakers Race, Cinco de Mayo Festival, Haight Street Fair, and alot more. Those who are seeking a wild and infatuating type of en-

tertainment should check out the Curran Theater and the TeatroZinZanni Theater, which offers a five-course meal and a differentkind of entertainment. Here you will see contortionists, chanteuses,jugglers, illusionists, and circus performers.

San Francisco has just about everything as far as sight seeinggoes. Some of the San Francisco sights include the Golden GateBridge, Fisherman's Wharf, Pier 39, Alcatraz, Ghirardelli Square,Chinatown, Cable Cars, Union Square, Lombard Street, andGolden Gate Park. In recent years, the San Francisco waterfronthas undergone a dramatic renaissance, boasting a new baseballpark, upgraded waterfront walk, renovated Ferry Building filled withboutique food shops, and a historic trolley connecting it all.

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Golden Gate Bridge: San Francisco's Signature Sight

16

NOTES

Hotel and Amenities The Palace Hotel is a historic luxury property located in the heartof downtown San Francisco and part of Starwood's illustrious Lux-ury Collection. The hotel is within walking distance to many at-tractions, museums, shopping and world renowned restaurants. Inaddition the Palace also contains three award winning restaurants,including the Garden Court-the only indoor historic landmark inSan Francisco (No. 18) and Kyo-Ya was just voted the #1 Sushirestaurant in San Francisco by Wine Spectator Magazine.

• Full Service Business Center• Complimentary Health Club, to include fitness room, sauna,

whirlpool, skylit indoor lap pool and Spa Services. • In room features: 42” Plasma TV’s, 14’ ceiling heights, marble

countertops in bathrooms, full size hairdryer, refrigerator, robes,personal safe, 24 hour room service, daily delivery of USA Todaynewspaper, complimentary bottled waters, iron and ironing board. Coffee pots available upon request. Mini-bars locatedin suites.

• High-speed Internet available in all Guestrooms• Wireless Internet available in all public spaces• Gift Shop located in Hotel Lobby• Valet parking only. Self parking garages located nearby.• Hotel website – www.sfpalace.com

Hotel ReservationsConference attendees will receive a reduced group rate of $238.00single or double occupancy. Please note that there is currently aguestroom tax of 15.58% per night. Simply call the Hotel’s reser-vations department at 1-888-627-7196 and mention that you arewith FIRMA when you make your reservation for the conference orgo to the following link FIRMA 2010 Annual Conference:

(http://www.starwoodmeeting.com/StarGroupsWeb/res?id=0907081710&key=E099)

FIRMA has a block of rooms reserved for the conference attendees;however, this block will be released March 5, 2010. Therefore,ALL RESERVATIONS MADE AFTER 5PM, MARCH 5,2010 ARE SUBJECT TO AVAILABILITY. The FIRMA grouprate will be honored (3) days prior and (3) days after the meetingdates, subject to availability.

Government-Rate Room Reservations – At The Palace Hotel and The Westin Hotel

The Palace HotelFIRMA has a limited number of government-rate rooms at thePalace. Simply call the Hotel’s reservations department at 1-888-627-7196 and mention that you are with FIRMA and require a gov-ernment-rate room when you make your reservation for the

conference. FIRMA has this government block reserved for con-ference attendees; however, this block will be released March 5,2010. Therefore, ALL RESERVATIONS MADE AFTER 5PM, MARCH 5, 2010 ARE SUBJECT TO AVAILABILITY.

The Westin San Francisco Market StreetFIRMA has 40 government-rate rooms at The Westin Hotel. Sim-ply call the Hotel’s reservations department at 1-877-222-6699 andmention that you are with FIRMA and require a government-rateroom when you make your reservation for the conference. FIRMAhas the Westin government block reserved for conference atten-dees; however, this block will be released March 8, 2010. There-fore, ALL RESERVATIONS MADE AFTER 5 PM, MARCH8, 2010 ARE SUBJECT TO AVAILABILITY.

DressCasual dress is recommended for all conference functions. SanFrancisco enjoys a cool climate; the average temperature in Marchis a high of 62 degrees, a low of 49 degrees, and an average rainfallof 3.4 inches. While attending conference sessions, a sweater orjacket is always recommended.

Airport Transportation Information(Prices approximate and subject to change)-BART (Bay Area Rapid Transit) $8.10 (one-way)-Taxi $45.00 (one-way)-Shuttle $18.00 (one-way)

Americans with Disabilities Act FIRMA is pleased to assist in complying with ADA. If you are anattendee with a disability, please contact Hale Mast, FIRMA Exec-utive Director, (803) 547-8964, to discuss any auxiliary aids neededto assist you from a communications, transportation, or architec-tural aspect. FIRMA will then inform the hotel of your specialneeds.

Special Events FIRMA’s Board of Directors will host a special welcome receptionin The Palace Hotel Gold Ballroom on Monday evening, from 6:00-8:00pm. Come join us and enjoy this time to meet old and newfriends attending the conference.

On Tuesday, March 30th, FIRMA’s General Sessions end at12:45pm. Our Conference Attendees are invited to attend an op-tional In-Conference Seminar that afternoon from 2:30 to 4:30 pm.

24th Annual National Training Conference at San Francisco, CA

REGISTRATION PAGE

Conference Handouts: All 2010 Conference attendees will receive a CD at check-in that contains the conferencematerials, speaker outlines, and handouts. Speaker materials will also be available on the FIRMA website prior to the Conference.

BY MAILCopy and mail this complete form to:FIRMA, PO Box 507, Stockbridge, GA 30281.BY TELEPHONECall us at 678.565.6211, Monday-Friday, 8 am to 5 pm EST.BY FAXSend this completed form to 678.565.8788.

BY E-MAILOur e-mail address is [email protected] visit our website at www.thefirma.org.TRAVELCall Action Travel at 800.854.0601, ext. 3012 for travel arrange-ments.

FIRMA 24th NATIONAL RISK MANAGEMENT TRAINING CONFERENCEMARCH 28 - APRIL 1, 2010

Choose Program(s): Check one: � Member � Nonmember� Conference $1,295.00* $1,495.00*� Pre-Conference Workshop $125.00* $250.00*� In-Conference Seminar $100.00* $165.00*

* Take a $100 discount if paid prior to February 15, 2010

Full Name – Mr ./ Mrs. / Ms.

Name for Badge

Title

Organization

Address

City, State, Zip

Phone Fax

E-mail Address

NOTE: REGISTRATIONS FOR GROUP DISCOUNTS MUST BE SUBMITTED IN A SINGLE REGISTRATION FOR ALL INDIVIDUALS IN THE GROUP FOR DISCOUNT TO APPLY.

If you are part of a group registration, please forward this completed form to your group coordinator. Thank you.I am part of a group registration

� Please Invoice

� Check enclosed (payable to FIRMA)

� Charge it: � VISA � MasterCard � Discover �American Express

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How did you hear about this Conference? � Mail � My Employer � Email � FIRMA Website � Referral � Other

What is your organization’s profile? � Community � Regional � National � International

Please tell us about your responsibilities:� Trust � Investment Mgmt. � Private Banking � Brokerage � Mutual Funds � Insurance � Capital Markets � Other ____________

Please tell us about your job function:� Audit � Compliance � Risk Management � Legal � Regulator � Other

FIRMA™Fiduciary & Investment RiskManagement AssociationPO Box 507Stockbridge, GA 30281www.thefirma.org

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