23rd ANNUAL FLORIDA BANK DIRECTORS CONFERENCE
August 14-16, 2008: Ginn Hammock Beach Resort , Palm Coast, 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.

Come join us as we return to the beautiful Ginn Hammock Beach Resort, in Palm Coast in 2008. This resort is situated right on the white sandy beaches of the Atlantic Ocean.

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.

2008 Roster of Speakers and Topics

THURSDAY, AUGUST 14th
5:30 p.m. - Registration
Namebadge Laynards Sponsored by:
Entrust Administration Services

6:30 p.m. - 7:30 p.m. - Welcome Reception
Hors d'oeuvres Sponsored by
Clark Consulting, West Palm Beach, FL
(a cash bar will be provided)

FRIDAY, AUGUST 15th
8:00 a.m. - Registration Desk Open

8:00 a.m. - 8:30 a.m. - Continental Breakfast

8:30 a.m. - 10:30 a.m. - General Session Begins
Welcome
Susan A. deFreese
Chairman, FBA Banker Education Council
Senior Vice President/BSA & Compliance Officer
Old Southern Bank
Lake Mary, Florida

"The Board's Role in Anti-Money Laundering "
Ken Golliher
Principal, Pegasus Educational Services, LLC
Louisville, Kentucky

Management is ultimately responsible for the development and administration of the bank’s Bank Secrecy Act (BSA) and Anti-Money Laundering compliance program. In this instance, “management” includes the board of directors. Regulators routinely emphasize the fact that board members cannot effectively evaluate or even discuss the policies they adopt without a working knowledge of the subject matter. This session introduces board members to BSA’s technical compliance requirements and also acquaints them with the more conceptual requirements of the bank’s anti-money laundering program. Attendance at this session will help your bank fulfill legally mandated training requirements.

10:30 a.m. - 10:45 a.m. - Refreshment Break
Sponsored by
Saltmarsh, Cleaveland & Gund
Tampa, Florida

10:45 a.m. - 12:30 p.m. - General Session Continued
"Directors 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."

12:30 p.m. - 1:30 p.m. - Luncheon
Sponsored by
Diebold, Inc., Uniontown, Ohio

1:45 p.m. - 3:30 p.m. - General Session Continued
"Risks & Returns of Bank Investments"
Donald B. Jeffery, Jr. CFA
Vice President, Heber Fuger Wendin
Bloomfield Hills, Michigan

Every few year’s financial market participants are reminded, “The sheep need to be sheered!” Those investors who pay little attention to risk end up paying very close attention to their losses. The investment portfolio is a primary component of Asset–Liability Management and a significant earning asset. Understanding the role of the investment portfolio, the risks and potential returns of individual securities and various investment strategies is crucial to the long-term success of a community bank. Today is a good day for Directors and Senior Management to reassess their bank’s investment portfolio, policy, and review process. Yes, banking is a risk business and managing risk will always be part of the process, being “sheered” need not be. This session will help broaden your understanding of community bank investing.

3:30 p.m. - 4:00 p.m. General Session Continued
FBA Fraud-Net
Bret Rock
Director of Fraud-Net
Florida Bankers Association
Tallahassee, Florida

Fraud-Net is dedicated as a resource for both banking security professionals and the law enforcement community and is made possible by the Florida Bankers Association through its Non-Credit Losses Committee. The system provides a platform for members of these groups to share information to prevent fraud.

6:30 p.m. - 9:30 p.m. - Reception & Banquet
Hors d'oeuvres Sponsored by
Silverton Bank, N.A. , Tampa, FL
(a cash bar will be provided)

Banquet Wine Sponsored by
Crowe Chizek, Fort Lauderdale, FL

Entertainment
Fred Becker
Magician & Comedian

SATURDAY, AUGUST 11th
8:00 a.m. - 8:30 a.m. - Continental Breakfast
Sponsored by
Federal Home Loan Bank of Atlanta, Atlanta, GA

8:30 a.m. - 10:30 a.m. - General Session
"National & Florida Economic Update "
Sean Snaith
Director/Research Office
Institute for Economic Competitiveness, 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.”

10:30 a.m. - Meeting Adjourned

	Ken Golliher Principal Pegasus Educational Services, LLC Ken Golliher is an experienced banker with the unique ability to reduce complex legal concepts to plain English. Prior to becoming a full time trainer, Ken was a community banker and then General Counsel for a regional consulting firm for financial institutions. He has presented seminars in over 25 states and has served as an instructor at compliance schools sponsored by the Illinois, Indiana, Iowa, Georgia, Kansas, Kentucky, Nebraska, Oklahoma, Pennsylvania and Texas bankers associations. Ken has also been an instructor at OTS and FDIC schools for examiners.
	Donald B. Jeffery, Jr., CFA Vice President Heber Fuger Wendin Don Jeffery joined the firm in 1989 and was elected Vice President of HFW in 1992. As a senior investment advisor and bank portfolio manager, he leads the HFW team in serving a broad array of bank investment, individual and corporate clients. He also counsels financial institution clients on asset-liability and interest rate risk management. Don also serves as liaison between banking regulators and financial institutions in order to assist clients in problem solving with respect to regulatory and investment challenges. Prior to joining HFW, he spent a decade in the banking industry where he developed extensive expertise in Business Development, Investments, Lending, Branch Administration, and Operations.
	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.
	Fred Becker Magician/Comedian The Becker Entertainment Company Friday night will be a time of good food, great company & conversation, and an evening filled with magic and comedy. After a brief reception and a relaxing banquet, Fred Becker will entertain us with his mystifying magic and unique humor. He's joining us once again after a five year hiatus, for an encore performance guaranteed to have you scratching your head in puzzlement, staring in amazement and disbelief and laughing at his antics. You are guaranteed to have a wonderful and most entertaining evening. You do not want to miss this night!

Some comments from attendees of past 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.

Resort and Room Reservations Information
The Ginn Hammock Beach Resort is located between St. Augustine and Daytona Beach at 200 Ocean Crest Drive, Palm Coast, Florida, 32137. The luxuriously appointed accommodations include 148 exquisite three and four bedroom suites and 125 luxury one-bedroom suites, each offering spectacular views of the golf course and Atlantic Ocean. To reserve your room call the resort directly at (888) 246-5500, and identify yourself with the Florida Bankers Association 23rd Annual Bank Directors Conference. Each one bedroom suite has the fantastic contractual room rate of only $200. ATTENTION!!! Please be sure to secure your room reservation as soon as possible before the cut off date of Monday, July 14, 2008. Reservations made after this date will be subject to group room and rate availability. This conference's room block has historically filled quickly, and rooms may not be available before the cut off date.

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.