24th ANNUAL FLORIDA BANK DIRECTORS CONFERENCE
August 13-15, 2009: Ritz-Carlton Palm Beach, Manalapan, Florida

This two day conference is full of pertinent and timely information dedicated to the board of directors and CEOs of community banks of any size. Both inside and outside directors will gain a better understanding of the duties, responsbilities and liabilities involved in this leadership role. Attendees will leave this event better equipped to contribute to the financial security, marketing efforts, and solvency of thier institution.

Attention State Chartered De Novo Banks: This event has been approved for 8 hours toward the required 16 hours of continuing education for directors of new state chartered banks, as mandated by the Florida Office of Financial Regulation.

2009 Roster of Speakers and Topics

THURSDAY, AUGUST 13th
5:30 p.m. - Registration Desk Opens
6:30 p.m. - 7:30 p.m. - Welcome Reception
(cash bar will be provided)

FRIDAY, AUGUST 14th
7:30 a.m. - Registration Desk Opens
7:30 a.m. - 8:30 a.m. - Continental Breakfast
Sponsored by: Clark Consulting

8:30 a.m. - 10:00 a.m. - Session One
Welcome
Joyce Lovelace
Regional President
Olde Cypress Community Bank
Winter Haven, Florida

"Future Money"
Ron Galloway
President, American Mediaworks
Augusta, Georgia

In the last 10 years, technology has enabled rapid changes in the very nature of money; how it is stored and how it is perceived. PayPal users have billions of dollars in their accounts that may never pass through the traditional banking system, but that may be used to purchase goods and services through a Visa Debit Card. The new Wal-Mart Money Card is de facto the long awaited “Wal-Mart Bank.” i.e. it is a deposit account in all but name, with all the functions of a traditional bank account absent paper check writing. AOL founder Steve Case is launching the Revolution Card, a PIN-based card payment system that users may store up to $15,000 for use in their financial lives. Flyer miles, Microsoft Points, gift cards, and brokerage soft dollars are all alternative currencies that may be freely traded for goods. Huge markets are being created in the MMO game universe, with “World of Warcraft gold” and even “Star Wars Galaxies credits” having a definable value against the US dollar. The common thread running through the above products is their end-run around the traditional banking system. What is the impact of these existing products on the banking industry, and what other “virtual money” is on the horizon?

10:00 a.m. - 10:30 a.m. - Refreshment Break

10:30 a.m. - 12:00 p.m. Session Two
"Director Responsibilities and Liabilities"
David Kemp
President, Bankers Management, Inc.
College Park, Georgia

This session will focus on the “oversight” responsibilities of the board. We will also explore the proper relationship between management and the board. The potential liability of directors can be mitigated by proper exercise of their responsibilities. In short, it will cover how to be an effective director.

12:00 p.m. - 1:00 p.m. Luncheon

1:00 p.m. - 2:30 p.m. Session Three
"A Director's Guide to Risk Assessment"
Tom Ajax
Special Activities Case Manager, Federal Deposit Insurance Company
Atlanta, Georgia

Banking today seems to be all about taking risks and managing risks. Too many institutions, while enjoying the temporary profits of risk taking, have not coupled that with proper risk management, and have subsequently incurred significant losses and even failure. This session will explore the basis for risk management: the Risk Assessment. Areas included will be establishing the risk tolerance of the Board; identifying the risks facing the bank; determining the appropriate mitigating policies, procedures and actions; measuring the “net risk” after the application of the mitigating actions and insuring that it falls within the Board’s risk tolerance; implementing the mitigating factors; and instigating the critical Audit/Re-assessment Cycle that tests the effectiveness of the controls and maintains the dynamic nature of the risk assessment in order to fine tune risk management within the organization

6:30 p.m. - 9:30 p.m. - Reception & Banquet
(cash bar will be provided)

SATURDAY, AUGUST 15th
8:00 a.m. - 8:30 a.m. - Continental Breakfast
Sponsored by: Federal Home Loan Bank of Atlanta

8:30 a.m. - 10:00 a.m. - Session Four
"High Performance Banking"
Kevin Tweddle
Chief Operating Officer, BancIntelligence, Inc.
Atlanta, Georgia

High performance does not happen by accident. There is a method behind those successful institutions that achieve strong earnings growth year after year. This presentation will show you how to review key metrics critical to profit contribution that separate high performers; identify those revenue opportunities that lend themselves to greater success given your unique operating strategy; discuss certain products that have been deployed specifically for certain operating strategies; evaluate benchmarks for certain noninterest income and expense line items given your strategic direction; and discuss specific strategies that you can start deploying today to save you money.

10:00 a.m. - 10:15 a.m. Refreshment Break

10:15 a.m. - 12:00 noon Session Five
"State & National Economic Update"
Sean Snaith
Director/Research Office, Institute for Economic Competiveness
University of Central Florida
Orlando, Florida

This presentation will include an overview and forecast of the U.S. economy addressing the current set of challenges facing the nation’s economy and a comprehensive look at what the future holds. Additionally a detailed forecast of Florida’s economy including a closer look at the outlook for twelve Metropolitan Statistical Areas across the state will be covered. Professor Snaith’s engaging presentation style makes the dismal science of economics a little brighter. As one Business Editor wrote, “Snaith has an uncanny knack of making economics not only understandable, but interesting.”

12:00 noon Meeting Adjourned

	Tom Ajax, CAMS Special Activities Case Manager Federal Deposit Insurance Corporation Tom is a Commissioned Bank Examiner at the FDIC Division of Supervision and Consumer Protection, a National BSA/AML Task Force Member (FDIC), and a Bank Secrecy Act Subject Matter Expert (FDIC). He has over 20 years banking and financial institution experience prior to FDIC, including internal auditing of a $2 Billion Institution; branch management for 16 years at a $16 billion institution; commercial and consumer lending; mortgage lending, previously licensed in Utah and Texas; and securities, investments and insurance, with previous NASD 6,63,65; Life, Health, Property and Casualty licenses. He is a Certified Anti-Money Laundering Specialist (CAMS); a Member of the Association of Certified Anti-Money Laundering Specialists; and a member of the Association of Certified Fraud Examiners. He earned his BA in Economics and his MBA from Brigham Young University, and attended the Pacific Coast Banking School at the University of Washington.
	Ron Galloway President American Mediaworks Ron Galloway writes and makes films about business and technology. He is the writer/director of “Why Wal-Mart Works,” the provocative business documentary about the world’s largest corporation which had its premiere inside the U.S. Capitol Building. He is the author of the upcoming “Future Money” a book about virtual currencies and payment systems. He is a financial columnists for the Huffington Post, one of the most popular news sites on the Web. Ron has appeared on CNN, CNBC, MSNBC and was singled out for criticism by Jon Stewart on The Daily Show. He has been written about and quoted in the New York Times, the Washington Post, and the Wall Street Journal. He enjoys public speaking and has lectured before nearly 100 state and national financial organizations. Ron graduated from Georgia Tech with a Bachelors of Science in Industrial Management. He began his career as an analyst for Smith Barney, and managed private investment accounts for 20 years. He resides in Augusta, GA and has two children.
	David Kemp President Banker Management, Inc. David Kemp is President of Bankers Management, Inc., a nationally recognized company in financial services training and bank consulting. Previous to forming his own company, he served as Vice President, Director of Credit Services - Cannon Financial Institute in Athens, Georgia, where he trained bankers nationwide in Cannon Lending Schools, as well as through Banking Associations. David has more than twenty years experience and management responsibility in the areas of consulting, training, credit administration and new business development. His areas of expertise include: all types of commercial lending, consumer lending, portfolio management, real estate lending, workouts and director responsibilities.
	Sean Snaith Director/Research Office Institute for Economic Competitiveness University of Central Florida Sean Snaith, Ph.D., is a widely recognized economist in the field of business and economic forecasting. As an award-winning forecaster, researcher, and professor, Sean is always interested in the application of academic expertise to the solution of real world problems. He has served as a consultant for a client list ranging from local and regional municipalities to multi-national corporations, including Compaq, Dell and IBM. Sean has held teaching positions at Pennsylvania State University, American University in Cairo, University of North Dakota and University of the Pacific. He frequently appears in national and regional media and is sought after as a speaker. Renowned for his engaging presentations, one business editor wrote, “Snaith (has) an uncanny knack of making economics not only understandable but interesting.” Sean holds a B.S. in Economics from Allegheny College and an M.A and Ph.D. in Economics from Pennsylvania State University.
	Kevin Tweddle Chief Operating Officer BancIntelligence, Inc. Kevin Tweddle has fourteen years of financial services industry experience, including nine years in public accounting, and five years as chief financial officer with the dual responsibility for three of those years as chief information officer. He was formally the Chief Financial Officer & Chief Information Officer at the Bankers Bank in Atlanta, Georgia, and an Audit Principal at Porter Keadle Moore LLP. While at the Bankers Bank he managed their rapid growth throughout the southeastern United States, nearly doubling its asset size from $700,000,000 in 1999 to $1.5 billion in 2004. He directed all accounting & finance, operations, human resources, technology solutions and legal & risk management and administration functions for a $1.5 billion correspondent bank with 262 employees. He directed, coordinated and reported to the board of directors on budget and financial forecasts, strategic initiatives and other planning and control procedures. Kevin also directed all tax planning and financial analyses and recommendations regarding new strategy initiatives, contracts and/or legislation originating across the company. He managed 22 audits, tax and benefit plan client engagements (annually) ranging from $25 million to over $1 billion in asset size within the Southeastern United States and Europe, including six SEC registrants. Kevin earned his Bachelor of Science degree in Business Administration and Accounting in 1988 from Stetson University. And he is a Certified Public Accountant in both Georgia and Florida.

Some comments from attendees of last year's conferences include

Who Should Attend
Those who should attend this conference are board chairmen and members, as well as the senior management team of any Florida financial institution.

Hotel and Room Reservations Information
The Ritz-Carlton Palm Beach is located at 100 South Ocean Boulevard, Manalapan, Florida, 33462. To reserve your room call the hotel directly at 1-561-533-6000, and identify yourself with the FBA 24th Annual Florida Bank Directors Conference. The standard room rate for this event is $229.00 (Plus 11.5% tax and valet parking at $25.00 per night). Please be sure to secure your room reservation as soon as possible before the block is sold out or before the cut off date of Wednesday, July 22, 2009. Reservations made after this date will be subject to group room and rate availability. Hotel Reservations must be secured with one nights room and tax deposit.

NOTE: 35 days prior to arrival the hotel will charge for all remaining days on the reservation, which is non-refundable. No-Show’s and cancellations after 35 days prior to arrival will result in loss of full deposit. This information supersedes any information you may receive from the hotel. FBA will not be responsible for any No-Show or Cancelled Guest Room Reservations.

Please remember, if you register and pay for six (6) or more directors, the bank's President and spouse will receive a full complimentary registration.