28th National Risk Management

Training Conference

Orlando,FloridaApril 27 to May 1

2014www.thefirma.org

EDUCATION

NETWORKING

STRATEGIES

FIRMA Sponsors & Partners

Accutech Systems CorporationADP Investor Communications ServicesArgent Fiduciary Consulting ServicesBPSBrainshark, Inc.BroadridgeDeloitte & Touche LLPDelta DataEisnerAmper, LLPFederated InvestorsFiduciary Education Center, LLC

Fiduciary Services Regulatory AlertFinancial Tracking Technologies, LLCGlobeTax Services, Inc.Groom Law GroupInforma Investment SolutionsInfovisa, Inc.Innovative Systems, Inc.Insurance Trust MonitorNth Degree Financial Solutions, LLCPaisley ConsultingPDS Companies

PricewaterhouseCoopers, LLPProxytrustResource Insurance ConsultantsRegulatory Compliance AssociationSpardataThe Insurance AdvisorThomson ReutersTrusts & EstatesTrust Imaging Systems, Inc.Trust Management Network

Current & Recent Sponsors

Partner Organizations

Organizations Represented at the 2013 National Conference

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

Association of Certified Anti-Money Laundering Specialist (ACAMS)Campbell University/ Trust Education Foundation, Inc.

Cannon Financial Institute, Inc.Global Association of Risk Professionals (GARP)

Securities Industry & Financial Market Association - Internal Auditors Society (SIFMA/IAS)

Advocate Health CareAlaska Trust CompanyAlerus FinancialAmarillo National BankAmerican National Bank of TexasAmeriServ Trust & Financial Services Com-panyArgent Fiduciary Consulting ServicesAtlantic Trust CompanyBank of HawaiiBank of the WestBankers Trust CompanyBankVision, Inc.BankWestBarclays Wealth Trustees (US) NABessemer Trust Company, NABMO Financial GroupBNY MellonBoston Private Bank & Trust CompanyBrown Brothers Harriman & CoCadence BankCapital Bank and Trust CompanyCentral National BankCitigroupCitizens National BankCity National BankCommerce BankComptroller of the CurrencyConstellation Trust CompanyCountry FinancialCOUNTRY Trust BankCrowe Horwath LLPDeloitte & Touche, LLPDelta National Bank & Trust CompanyDeseret Trust CompanyEdward Jones Trust Company

Experis FinanceFDICFederal Reserve Bank of AtlantaFederal Reserve Bank of ChicagoFederal Reserve Bank of DallasFederal Reserve Bank of MinneapolisFederal Reserve Bank of RichmondFederal Reserve Bank of San FranciscoFifth Third BankFinancial Outsourcing SolutionsFirst Bankers Trust ServicesFirst National BankFirst National of Nebraska, Inc.FirstMeritFrost BankGodfrey & Kahn, S.C.Guaranty Bank and Trust CompanyHartwell Group, LLCHilltop National BankHSBC Bank USA, NAIBERIABANKIntergenerational Wealth Preservation, Inc.INTRUST Financial Corp.Iowa Division of BankingJohnson BankJPMorgan Chase & Co.JRMB IIKanaly Trust, LTAKansas State Bank CommissionerKeyBankM&T SecuritiesMacatawa BankMB Financial Bank, NAMembers Trust CompanyMercantile BankMutualBank

Nebraska Dept. of Banking & FinanceNorthwestern Mutual Wealth MgmtOld National Wealth ManagementPNC Financial Services GroupRabobank, NARenasant BankRSM McGladreyS&T BankSouth Dakota Division of BankingSouth Dakota Trust CompanySturm Financial GroupSunTrust BankSupervision AnalystTexas Bank & Trust Co.Texas Capital BankThe Bank of MissouriThe Commerce Trust CompanyThe First National Bank in Sioux FallsThe Glenmede Trust Company, NAThe PrivateBankThe Security National Bank of Sioux City, IowaThe Trust Company of VirginiaThrivent Trust CompanyTIAA-CREFTrust Point, Inc.UBSUnion BankUS BankUSAAVanguard GroupVirginia Bureau of Financial InstitutionsWashington Trust BankWatch Point Trust Company LLCWells FargoWipfli, LLP

CONFERENCE SCHEDULE

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,150 Fourth Avenue North, Suite 700, Nashville,TN 37219-2417. NASBA phone number (615) 880-4200. Website: www.nasba.org.

Sunday, April 27, 2014Workshop Check-in ........................................................................................................ 11:30 am- 1:00 pmPre-Conference Workshops ................................................................................................... 1:00 - 4:00 pmConference Check-in .......................................................................................................... 4:30 - 6:00 pmNew Attendee/Member Social ............................................................................................... 6:30 - 7:30 pm

Monday, April 28, 2014Late Conference Check-in .................................................................................................. 7:30 - 8:00 amGeneral Sessions ................................................................................................................ 8:00 - 11:45 amHosted Luncheon .......................................................................................................... 11:45 am - 1:15 pmBreakout Sessions ............................................................................................................... 1:15 - 4:00 pmRoundtable Sessions ............................................................................................................ 4:15 - 5:30 pmWelcome Reception ............................................................................................................. 6:00 - 8:00 pm

Tuesday, April 29, 2014General Sessions .............................................................................................................. 8:00 am - 1:15 pmSeminar Check-in .................................................................................................................. 2:00 - 2:30 pm In-Conference Seminar ......................................................................................................... 2:30 - 4:30 pm

Wednesday, April 30, 2014General Session ..................................................................................................................... 8:00 - 9:00 amBreakout Sessions ................................................................................................................ 9:15 - 11:30 amHosted Luncheon and FIRMA Annual Membership Meeting ...................................................................... 11:45 am - 1:15 pmBreakout Sessions .................................................................................................................. 1:15 - 4:45 pm

Thursday, May 1, 2014General Sessions .................................................................................................................. 8:00 - 10:15 amBreakout Sessions .............................................................................................................. 10:30 - 11:30 amAdjourn ...........................................................................................................................................11:30 am

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28th National Risk Management Training Conference

FIRMA™ is proud to sponsor its 28th Annual National Risk Management Training Conference and we are pleased to bring outstanding topics and speak-ers back to Orlando. Through these de-manding and challenging financial times, FIRMA has stood strong in our belief that there is no more vital time than now for training and understanding. In recogni-tion of this, FIRMA is proud to provide training resources to risk management professionals who are responsible for as-set/wealth management, broker/dealer activities, and insurance products. Our national speakers will discuss the current trends in the industry, new prod-ucts and specialized lines of business, and will provide insights to the management and control of associated risks. Our pro-gram is designed to provide valuable ben-efits 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 combination of general sessions and in-dividualized group sessions. Our general sessions will primarily address issues of significant importance to the risk and investment management industry. This year, we are pleased to continue our of-ferings of expanded breakout sessions, held on Monday, Wednesday, and Thurs-day with a total of 29 breakout sessions. These sessions focus on more special-ized products and services from which attendees can choose the topics of most importance to their institutions. We are also pleased to offer two valuable Pre-Conference Workshops on Sunday prior to the start of the formal conference, as well as a 2-hour In-Conference Seminar on Tuesday afternoon.

Workshop and Seminar FeesPre-Conference Workshops are $225 for FIRMA members and $300 for non-members. The fee for our In-Conference Seminar on Tuesday is $150 for FIRMA members; $225 for non-members.

Conference FeesConference fees are $1,495 for FIRMA

members and $1,715 for non-members. This fee includes all conference materi-als, daily continental breakfasts, morning and afternoon refreshment breaks, two luncheons and a Monday evening wel-come reception.

EARLY PAYMENT DISCOUNT - For conference payments received prior to March 7, 2014, the conference fees are $1,395 for FIRMA members and $1,615 for non-members.

Group DiscountsGroup discounts to the above prices are available as follows: Group registrations must be received together, at the same time, and paid through a single invoice.5% off the above fees for 5 registrations 10% off the above fees for 10 registrations

Special Fee Offer for RegulatorsFIRMA also offers special fees for attend-ees from national and state regulatory agencies. Please call our FIRMA Office at 678-565-6211 to inquire about these special conference fees.

Cancellation Refund PolicyCancellations received prior to April 11, 2014, will be refunded in full. Cancel-lations received April 11th through April 24th will be refunded subject to a $250 service charge. Cancellations made after April 24, 2014, are non-refundable. No refunds will be processed unless the can-cellation is made in writing. Note: You may transfer your registration to an-other person at any time.

FIRMA reserves the right to change speakers or reschedule or cancel sessions when necessary. FIRMA is not respon-sible for any penalties (e.g. airfare, hotels, etc.) that may be incurred should this program be canceled. For more informa-tion regarding seminar administrative pol-icies such as complaint or refund, please contact our offices at 678-565-6211.

Continuing EducationThe 2014 Training Conference provides 23 Group-Live continuing education hours. The Pre-Conference Workshops each provide 3 Group-Live continu-ing education hours; the In-Conference Seminar provides 2 Group-Live continu-ing education hours. For certified FIRMA members, all of these hours will be recog-nized as FIRMA-specific.

Conference Education Prerequisites There are no advance preparation re-quirements to be read or completed prior to attending this program. The program skill level for this Conference is rated “In-termediate.” This program is rated Inter-mediate because of the educational and/or experience requirements as follows:- Attendee should be a Certified profes-sional; or- Attendees should have at least one year of general trust or fiduciary work experi-ence in the fields of personal trust, em-ployee benefit trust, audit, compliance, or risk management; or- Attendees should have passed a one-week trust school course offered by Can-non Financial Institute or Campbell Uni-versity, or an equivalent industry program; or- Attendee should have attended a previ-ous FIRMA education program.

Tax Deductibility The cost of continuing education (when taken to maintain or enhance profession-al development) may be tax deductible. Please consult with your tax accountant for more information.

Special Hotel Incentives from FIR-MA and our Host Hotel – the Hilton Orlando Lake Buena Vista.FIRMA feels it is important for our Con-ference Attendees to know that FIRMA has significant contractual risk if our At-tendees do not stay at our host hotel.For 2014, FIRMA is pleased to offer to our government Attendees up to 20 gov-ernment-rate rooms. In addition, for all FIRMA Conference Attendees staying at the Hilton, each individual is eligible for one of three (3) special raffle prizes as an incentive:• One (1) free registration certificate to the FIRMA 2015 Conference in Nash-ville, TN • One (1) night hotel rooming fee rebated to Attendee’s room bill• One (1) gift voucher for a complimen-tary 2-night stay in a Hilton hotel

FIRMA always hopes our Attendees will choose to enjoy the convenience of our host hotel and, for 2014, especially the grand amenities offered at the impressive Hilton Orlando Lake Buena Vista.

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SUNDAY, APRIL 27, 2014

Pre-Conference Workshop I Fiduciary Dashboards and Benchmarking

Duane LeeExecutive Vice PresidentCANNON FINANCIAL INSTITUTEAthens, Georgia

E. Loyd PohlCEOPohl Consulting and Training, Inc.TRUSTCOMPARERochelle, Illinois

Is it all about the numbers? No not ALL… but numbers (metrics) can tell and teach a great deal to those managing organizations and to those managing Risk for those organizations.

This will be a two hour session focused on the key metrics an orga-nization should be monitoring and reporting to the oversight body(s). The idea is to provide the appropriate amount of data in the ap-propriate format. Just adding more reports that no one reads to the packet doesn’t accomplish anyone’s objectives.

Dashboards for financial performance metrics, organizational met-rics and risk management metrics will be presented. The purpose, source and meaning of those metrics will be discussed in depth.

Benchmarking data, sample dashboards and insight into use will be among the takeaways from this session.

Pre-Conference Workshop II Writing it Right – Writing Effective Audit Reports

Anthony M. Palma, CFSA, CFE Vice President, Internal AuditCITIGROUPNew York, New York

Writing an audit report that communicates the right message to stakeholders and management is always a challenge. This course will provide the key strategies and secrets to write an effective audit report that gets results.

Writing strategies will include ways to prepare a report with a logical flow of ideas, a method for drafting a clear and concise report, writ-ing it once with a minimum of edits and lastly focusing on language that persuades the reader to take the required necessary action.

This highly recommended and successful course is a must for Chief Audit Executives and all levels of Internal Audit staff.

New Attendee / Member Social6:30 - 7:30 pmHosted by FIRMA

FIRMA is delighted to host a special social for our first-time Conference attendees and new FIRMA members. Our guests will learn about the events planned for the Conference week, will receive tips for navigating through the many sessions – both general and breakout, and they 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 gathering provides an easy Conference introduction for our new attendees and members.

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Pre-Conference Workshops – 1:00 - 4:00 pm

MONDAY, APRIL 28, 2014

Welcoming Remarks8:00 - 8:15 amFIRMA President Bruce K. Goldberg, CTA, CPA

Opening Keynote Address8:15 - 9:15 am

Litigation Risk – Trends in Wealth Managementand Retirement

Eugene F. Maloney Executive Vice President & Corporate CounselFEDERATED INVESTORS, INC.Pittsburgh, Pennsylvania

There are two macro-economic events taking place—the intergenera-tional transfer of wealth from those who have created it to those who are consuming it and the retirement of the “Baby Boom” generation. These phenomena have inspired litigation against financial interme-diaries, primarily by banks and insurance companies, alleging breach of fiduciary duties. The session is designed to acquaint the attendee with what is happening in the courtroom and how to take preventive measures to ameliorate the twin risks.

General Session9:30 - 10:30 am

UDAAP

Gregory Imm SVPChief Compliance Officer & Director, Community Affairs/Fair Lending & Responsible BankingFIFTH THIRD BANKCincinnati, Ohio

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), all covered persons or service providers are le-gally required to refrain from committing unfair, deceptive, or abusive acts or practices (UDAAP).

Seems simple, huh? Not with very limited supervisory guidance (un-less we count the numerous UDAAP-related enforcement actions over the past 18 months) and extremely wide possible interpretations of the UDAAP provisions. Financial institutions are struggling not only with interpretation but also implementation. This session will help you understand what practices may help you avoid the UDAAP trap.

General Session10:45 - 11:45 am

Panel – Third Party Management & Oversight

Doug Johnson – Panel ModeratorSenior Vice PresidentAMERICAN BANKERS ASSOCIATIONWashington, D.C.

Greg LutzVice PresidentDirector of Operational Risk and ERM Programs FIFTH THIRD BANK Cincinnati, Ohio

Jennifer PapenhagenVice PresidentVendor Risk AdministrationMB FINANCIAL.N.A. Rosemont, Illinois

Key risk executives must be instrumental in the development of their Vendor Management programs. Our distinguished panel has exper-tise in vendor program administration, including risk assessment, due diligence, contract considerations, ongoing monitoring, employee pro-gram training and policy review, as well as compliance with FFIEC, OCC and GLBA requirements. Attendees will learn how a strong vendor management program is crucial to reducing risk within your organization.

Hosted Luncheon11:45 am - 1:15 pm

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MONDAY, APRIL 28, 2014

Breakout Sessions – 1:15 - 2:30 pmFiduciary Litigation

Dominic Campisi Partner EVANS, LATHAM, HARRIS, & CAMPISISan Francisco, California

The good news is that investments are reach-ing new records; the bad news is that markets revert to the mean and that prospects for eq-uity returns and fixed income investments are bleak. It is time to examine cases of liability and surcharge for breaches of trust to assure that you will avoid problems when beneficia-ries start to look for somebody to blame for their plight.

ERISA Update

Roberta J. UffordPrincipalGROOM LAW GROUPWashington, D.C.

This session will review current and develop-ing legal issues and regulation relating to the administration and investment management of retirement and other plans covered by the Employee Retirement Income Security Act of 1974 (ERISA) and individual retirement ac-counts (IRAs), including updates on rulemak-ing addressing the definition of fiduciary, devel-opments relating to disclosure regulation, and emerging trends in enforcement and litigation involving plans and IRAs.

Advanced Session / Operations

Mark ComptonPartnerMAYER BROWN INTERNATIONAL LLPLondon, England

Mark will cover a number of European Union (EU) directives and regulations, current and proposed, that affect asset managers. Please join him for a valuable discussion of:• AIFMD (the Alternative Investment Fund Managers Directive), • the European Market Infrastructure Regu-lation (EMIR) (broadly equivalent to the OTC clearing parts of title 7 of Dodd Frank + CCP regulation) • the revised Markets in Financial Instruments Directive (MiFID2)

Breakout Sessions – 2:45 - 4:00 pmFiduciary LitigationREPEAT SESSION

ERISA UpdateREPEAT SESSION

Advanced Session / OperationsREPEAT SESSION

Roundtable Sessions – 4:15 - 5:30 pmWhat keeps us up at night? Join your peers in three different discussion groups of best practices, problem solving, leadership, governance, current issues, present challenges, and possible approaches to address all issues. We ask all federal and state regula-tors in attendance to join the “Regulators” Roundtable. All other attendees may choose the “Community Bank” or “Large Bank” Roundtables.Community Banks

Leaders:Bruce K. Goldberg, CTA, CPA DirectorAudit and Enterprise Risk Services / Internal AuditDELOITTE & TOUCHE LLPNew York, New York

Gary E. Pelcak, CTA, CFSA, CFE Chief Audit ExecutiveCENTRAL NATIONAL BANKJunction City, Kansas

Large Banks

Leaders:Jennifer L. De Vries, CTASenior Managing DirectorRisk Management MB FINANCIAL BANK, NARosemont, Illinois

David B. Jonke, CTA, CPA Investment Advisors Compliance DirectorFIFTH THIRD BANKChicago, Illinois

RegulatorsThis session is open only to Federal and State Regulators

Leaders:Angela Frozena, JD, MBA Internal Business Consultant THRIVENT FINANCIAL FOR LUTHERANSAppleton, Wisconsin

Jeffrey S. Kropschot, CTCP, IACCP Chief Compliance OfficerEDWARD JONES TRUST COM-PANYSt. Louis, Missouri

FIRMA’s Welcome Reception – 6:00 - 8:00 pm 5

TUESDAY, APRIL 29, 2014

Keynote Session 8:00 - 9:00 amSticking Points: How to Get the Four Generations Working Together in the 12 Places They Come Apart

Haydn Shaw Senior Consultant FRANKLIN COVEY Frankfort, Illinois

They’re here. For the first time in history, you have four generations in your workplace and five generations as customers. Today you have to understand Traditionalists, Baby Boomers, Gen Xers, and Millennials just to write an email that won’t make someone angry. These genera-tions think differently, vote differently, buy differently, and dress dif-ferently. Not understanding these differences creates conflicts and loses sales. You will learn…what the differences are among the gener-ations...what sticking points the differences create for organizations, teams, and even families...how marketing approaches must change to reach the younger generations... what attracts and keeps younger employees...how these differences will complicate the mass exodus of the Boomers from the full time workforce over the next decade.This popular session is full of laughter and insight. Come and see yourself, your customers, your people and your future – and walk away with practical ideas and plans for increasing your ability to get things done across the generations.

General Session 9:15 - 10:15 amPanel – Operations Risk – Update / Hot Topics

Pamela Antonelli Senior Vice President Corporate Operational RiskNORTHERN TRUSTChicago, Illinois

Mary Beth Buffington Senior Vice PresidentBROADWAY NATIONAL BANKSan Antonio, Texas

T. Kevin Whalen SVP - Managing Director Investment Management, Trust & Private Banking - Chief Fiduciary OfficerFIFTH THIRD BANKCincinnati, Ohio

During the Operational Risk panel discussion, our experts will be providing insight on a framework designed to assess and monitor op-erational risk. They will highlight how an organization’s key business functions can assess their operational risk and evaluate their control environment to provide management with an overall assessment of operational risk. They will discuss how their organizations are imple-

menting an Enterprise Governance, Risk and Compliance solution to enhance management’s ability to assess and monitor risk throughout the organization.

They will also address these important areas—always on the top of the list: • Are you in Compliance? What do the examiners want to know?• Are you a Vendor Geek?

General Session 10:30 am - 12:00 noonRegulator Panel

Tish DaltonNational Bank ExaminerAsset Management DivisionOFFICE OF THE COMPTROLLER OF THE CURRENCYWashington, D.C.

Anthony DiMiloExamination Specialist - Trust FEDERAL DEPOSIT INSURANCE CORPORATIONSan Francisco, California

James Dow Director - Wealth Management & Operations Risk Dept. of Supervision & Regulation FEDERAL RESERVE BANK OF ATLANTAAtlanta, Georgia

Askari FoyAssociate Regional DirectorSECURITIES AND EXCHANGE COMMISSIONAtlanta, Georgia

This is always a valuable and not-to-miss session with our primary federal regulators. These agency leaders will share their current fidu-ciary examination and policy initiatives, each responding respectively to a series of questions posed by FIRMA. This unique format will al-low attendees to hear how each agency is addressing financial reform.

General Session 12:15 - 1:15 pmTrust Legislative Update

Cecelia A. CalabySenior Vice PresidentCenter for Securities, Trusts, and InvestmentsAMERICAN BANKERS ASSOCIATIONWashington, D.C.

The regulators are still busy implementing the Dodd-Frank Act – where are we? Much has been done, but much more remains to be done. Come learn about how the regulators have been implementing the Act so far, and how their regulations will impact the wealth man-agement industry. We will also look ahead to issues to watch out for as implementation of the Act proceeds.

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TUESDAY, APRIL 29, 2014

Preparing For & Managing a Regulatory Exam

Deborah A. Austin, CTCP, CFSA Senior Vice PresidentPersonal Fiduciary Risk DirectorUNION BANK San Diego, California

Jeffrey S. Kropschot, CTCP, IACCP Chief Compliance OfficerEDWARD JONES TRUST COMPANYSt. Louis, Missouri

Whether you are a veteran or a rookie, the prospect of an impending regulatory examination can flood your mind with fear and anxiety. The best way to alleviate these stresses is to be prepared. In this session, you will learn best practices to properly prepare for a regulatory examination and effectively manage the process while the regulatory team is onsite at your institution. You will also learn steps to take after the examination to address and resolve all findings, as well as foster an ongoing, collaborative dialogue between you and your regulator.

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In-Conference Seminar – 2:30 - 4:30 pm

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SUNDAY MONDAY TUESDAYPRE-CONFERENCE

WORKSHOP I1:00 - 4:00 PM

Fiduciary Dashboardsand Benchmarking

Duane LeeE. Loyd Pohl

PRE-CONFERENCEWORKSHOP II1:00 - 4:00 PM

Writing it Right –Writing Effective

Audit ReportsAnthony M. Palma

NEW ATTENDEE/MEMBERSOCIAL

6:30 - 7:30 PM

KEYNOTE SESSION8:00 - 9:00 AM

Sticking Points: Howto Get the 4 GenerationsWorking Together in the12 Places They Come

ApartHaydn Shaw

GENERAL SESSION9:15 - 10:15 AM

Panel – Operations Risk –Update / Hot Topics

Pamela Antonelli, Mary Beth Buffington, T. Kevin Whalen

GENERAL SESSION10:30 AM - 12:00 NOON

Regulator PanelTish Dalton, Anthony DiMilo,

James Dow, Askari Foy

GENERAL SESSION12:15 - 1:15 PM

Trust Legislative UpdateCecelia A. Calaby

IN-CONFERENCESEMINAR

2:30 - 4:30 PM

Preparing for &Managing a Regulatory

ExamDeborah A. AustinJeffrey S. Kropschot

WELCOMING REMARKS8:00 - 8:15 AM

Bruce K. Goldberg, FIRMA President

OPENING KEYNOTE ADDRESS8:15 - 9:15 AM

Litigation Risk – Trends in Wealth Managementand RetirementEugene F. Maloney

GENERAL SESSION9:30 - 10:30 AM

UDAAPGregory Imm

GENERAL SESSION10:45 - 11:45 AM

Panel – Third Party Management & OversightDoug Johnson, Moderator, Greg Lutz, Jennifer Papenhagen

HOSTED LUNCH11:45 AM - 1:15 PM

BREAKOUT SESSIONS1:15 - 2:30 PM

Fiduciary LitigationDominic CampisiERISA UpdateRoberta J. Ufford

Advanced Session / OperationsMark Compton

BREAKOUT SESSIONS2:45 - 4:00 PM

Fiduciary LitigationRepeat Session

ERISA UpdateRepeat Session

Advanced Session / OperationsRepeat Session

ROUNDTABLE SESSIONS4:15 - 5:30 PM

Community BanksBruce Goldberg, Gary E. Pelcak

Large BanksJennifer L. De Vries, David B. Jonke

RegulatorsAngela Frozena, Jeffrey S. Kropschot

FIRMA’S WELCOME RECEPTION6:00 - 8:00 PM

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WEDNESDAY THURSDAYKEYNOTE SESSION

8:00 - 9:00 AMThe Dirty End of a

CyberattackJoseph T. Petro

GENERAL SESSION9:15 - 10:15 AMExecutive Panel –Effective ERM /Fiduciary Risk

Management ProgramRandy J. Johanneck

Henry Ristuccia

BREAKOUT SESSIONS

10:30 - 11:30 AMConference Highlights

& Key Takeaways /Community Banks

Jennifer L. De VriesDavid B. Jonke

Conference Highlights& Key Takeaways /

Large BanksBruce K. Goldberg

Gary E. Pelcak

Conference Highlights& Key Takeaways /

RegulatorAngela Frozena

Jeffrey S. Kropschot

CONFERENCEADJOURNS

11:30 AM

KEYNOTE SESSION8:00 - 9:00 AMCyber Security

Errol Weiss

BREAKOUT SESSIONS9:15 - 10:15 AM

Administrative Risks with

Foundations /Endowments

Tani Fanic

Risks Through theConvergence of

Digital TechnologiesKhalid Wasti

The Fiduciary Standard: What Could Change

to the DOLStandard Mean

Lisa Bleier

Working through Risk AppetiteMarilyn Smith

BREAKOUT SESSIONS10:30 - 11:30 AM

Anti Money-Laundering

Michael Shepard

Foreign Tax Reclamations

William Treut

Directed TrustsJames M. Marion

Risks Related to Client

DisbursementsDavid Frye

D. Kevin Whalen

HOSTED LUNCHEON & MEETING11:45 AM - 1:15 PM

FIRMA Annual Membership MeetingBruce K. Goldberg, FIRMA President

BREAKOUT SESSIONS1:15 - 2:15 PM

Deeper Dive –Trading Risks

John Tallini

Elder Abuse –Neglect andExploitation

Denise A. Lettau

IRAsBradford Campbell

Special NeedsTrusts (SNTs)

for the DisabledSally Larson Sargent

BREAKOUT SESSIONS2:30 - 3:30 PM

CorporateGovernance andBusiness EthicsAnthony M. Palma

ElectronicSignatures inGlobal and

National CommerceAct at YourCompany

Francisca Chaparro

Just Because You’rean Expert...

Doesn’t MakeYou InterestingDr. Paul Homoly

Identity TheftInvestigations

Cynthia Hetherington

BREAKOUT SESSIONS3:45 - 4:45 PM

CustomerComplaints

Jeffrey S. Kropschot

FATCA: TheTime Has Finally

Arrived toImplement

Michael Shepard

Muni Advisor RuleClifford J. Alexander

Trade Operations /Trade Errors /Trade Limits /Soft Dollars

Trey Ruch

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WEDNESDAY, APRIL 30, 2014

Administrative Risks with Foundations / Endowments

Tani FanicVice PresidentTrust Services Compliance ManagerUNION BANK San Diego, California

You are invited to come and hear from one of our country’s experts in the fiduciary management of foundations and endowments. Tani will share insights as to the unique risk in these accounts and how those risk can be mitigated.

Risks Through the Convergence of Digital Technologies

Khalid WastiDeloitte & Touche LLPNew York, New York

This session will provide some background on the changes in digi-tal technologies, the potential benefits (how organizations are taking advantage), and the potential risks (how organizations are identify-ing and managing). The rapid growth and convergence of key digital technologies such as social, mobile, cloud, cyber, and analytics comes with a number of real risks that range from data leakage and reputa-tion damage to loss of employee productivity. We will discuss a risk manager’s role in assessing digital risk, how an organization can take steps to identify relevant risks, and how to rank and address these risks in order of significance.

The Fiduciary Standard: What Could Change to the DOL Standard Mean

Lisa Bleier Managing Director, Public Policy and AdvocacySECURITIES INDUSTRY FINANCIAL MARKETS ASSOCIATIONWashington, D.C.

In this session, Attendees will:• Learn about the Differences between a DOL Fiduciary Standard and an SEC Fiduciary Standard• Answer your questions about how a change to the DOL Standard could impact your bank’s business• Get the latest news about actions Congress, FINRA, SEC and DOL are taking to resolve this issue• Learn how this will change your call center conversations about rollovers from a 401(k) plan

Working Through Risk Appetite

Marilyn Smith, CTCPHead US Risk Policy & GovernanceHARRIS BANKChicago, Illinois

• I’ve got this Risk Appetite Statement, now what? • I need to develop a Risk Appetite Statement, where do I start?• How is risk appetite derived? • What’s in a Risk Appetite Statement? • How can a Risk Appetite Statement be validated and why should I care?

Marilyn will walk us through the development and structure of a Risk Appetite Statement and attendees will learn what we should do with it once it is developed.

Breakout Sessions – 9:15 - 10:15 am

Keynote Session8:00 - 9:00 am

Cyber Security

Errol WeissDirectorCyber Intelligence CenterCITIBANK, N.A.New York, New York

Errol Weiss is the Director of Citi’s Cyber Intelligence Center, which is responsible for collecting, analyzing, and exchanging threat intel-ligence in an effort to protect the Citi brand, global business opera-tions, technology infrastructure and client trust against cyber threats world-wide.

In June 2012, Errol testified before the House Financial Services Subcommittee on Capital Markets and Government Sponsored En-terprises, on behalf of the Securities Industry and Financial Markets Association (SIFMA), on how to best protect capital markets from emerging cyber threats.

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WEDNESDAY, APRIL 30, 2014

Anti Money-Laundering

Michael ShepardPrincipalDELOITTE FASPhiladelphia, Pennsylvania

Please join one of our industry’s leading experts in managing and miti-gating money-laundering risk exposure. Attendees will learn how to implement and improve a BSA Program in the Fiduciary and Wealth/Private Banking space. Specifically, Michael will address the unique and not so unique AML risk points and the importance of proactively managing reputational risk.

Foreign Tax Reclamations

William TreutManaging DirectorGLOBETAXNew York, New York

Learn more about foreign withholding tax on dividend and interest income. Under Double Taxation Treaties there are opportunities to recover all or part of the funds withheld. Tax reclamation can have a measurable impact on portfolio performance. It is also an important fiduciary obligation in many cases. Session designed for Investment Advisors, Asset Servicers and Regulators.

Directed Trusts

James M. MarionNational Fiduciary Advisor ExecutivePrivate Wealth ManagementU.S. TRUST, BANK OF AMERICA Chicago, Illinois

Directed trusts offer unique and problematic risks to every fiduciary institution. You do not want to miss Jim’s expert discussion of his key administrative insights in handling these complex situations amid the changing statutory environment. Attendees will not only be able to identify these key risks but also how to manage directed-trust expectations from beneficiaries.

Risks Related to Client Disbursements

David FryeVice PresidentFIFTH THIRD BANKSouth Bend, Indiana

T. Kevin Whalen SVP - Managing Director Investment Management, Trust and Private Banking - Chief Fiduciary OfficerFIFTH THIRD BANKCincinnati, Ohio

Distribution Dilemmas. Complicated financial markets, litigious ben-eficiaries, ambiguous documents, cyber thieves, competing interests and constantly changing rules all conspire to make distribution deci-sions riskier. Using real life examples this session will explore the dilemmas that trust officers face on a daily basis as they endeavor to balance fiduciary duty and client service while minimizing risk. David and Kevin will lead an interactive discussion around each example that will utilize the Uniform Trust Code, document language and common sense to search for the best solution.

Breakout Sessions – 10:30 - 11:30 am

Hosted Luncheon and Meeting11:45 am - 1:15 pmOpen to all Conference Attendees

FIRMA Annual Membership MeetingBruce K. Goldberg, CTA, CPAFIRMA President

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WEDNESDAY, APRIL 30, 2014

Deeper Dive – Trading Risks

John TalliniManaging Director Corporate AuditKCGJersey City, New Jersey

You are invited to join one of the industry’s leading experts in market trading risk, John Tallini, as he explains the risks in today’s emerg-ing complex trading practices. John will discuss and attendees will learn about hot topics like high frequency trading, best execution, dark pools, and algorithmic solutions. This is an “Advanced” session.

Elder Abuse – Neglect and Exploitation

Denise A. Lettau Vice President, Senior Trust & Fiduciary SpecialistLife Management ServicesWELLS FARGO PRIVATE BANKFort Lauderdale, Florida

The changes in society, most especially the rise of elders living alone (57% lived in multi-generational households in 1900 compared to less than 15% today) has led to the increased vulnerability of elders. As a result, they are more prone to abuse, neglect and exploitation. Denise will touch upon some of the existing laws to protect seniors and also preventative measures that may be taken.

IRAs

Bradford Campbell CounselDRINKERBIDDLEWashington, D.C.

We must all stay up-to-date with the administration of IRAs and their regulatory challenges and requirements. Please join Brad for an expert discussion of today’s risks in IRA administration and an update on rulemaking and disclosure.

Special Needs Trusts (SNTs) for the Disabled

Sally Larson SargentSenior Managing Director & Head of Personal TrustMB FINANCIAL BANK, N.A.Rosemont, Illinois

Join in a discussion of the use of special needs trusts (a/k/a supple-mental benefits/care/needs trusts) for persons with disabilities, in-cluding: • Why, when, by whom and for whom SNTs are established• Role and duties of the SNT trustee• Standards and rules regarding SNT disbursements• Governmental benefits - qualification and repayment obligations

Breakout Sessions – 1:15 - 2:15 pm

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WEDNESDAY, APRIL 30, 2014

Corporate Governance and Business Ethics

Anthony M. Palma, CFSA, CFE Vice President, Internal AuditCITIGROUPNew York, New York

Corporate governance requirements continue to be of increasing importance in these unsettled times of blurred legislative directives, global business boundaries, and increased regulatory oversight. Busi-ness ethics apply to all aspects of business conduct and are relevant to the conduct of individuals and entire organizations. This session examines the roles of boards, corporate management and employees in various governance structures as well as the ethical principles and moral and ethical problems that arise in a business environment.

Electronic Signatures in Global and National Commerce Act at Your Company

Francisca ChaparroCompliance Training OfficerMB FINANCIAL BANK, NARosemont, Illinois

Companies are increasingly using the internet and email to communi-cate with their customers. Does yours deliver disclosures, statements, or other legally required documents electronically to your customers? The Electronic Signatures in Global and National Commerce Act (ESIGN) is not new legislation, but has been cited in recent lawsuits to allege that companies did not deliver specific documents in a legal manner. Learn what’s covered; what’s the risk of not complying; and what pitfalls may be at your company.

Just Because You’re an Expert….Doesn’t Make You Interesting

Dr. Paul Homoly, CSPHOMOLY COMMUNICATIONS INSTITUTECharlotte, North Carolina

It’s never been more difficult to hold people’s attention as it is now: text messages, email, voice mail, multitasking, social media…all of it competes for listeners’ attention. This seminar will help you make it easy to earn listeners’ attention during critical presentations: reporting to a board/senior management on a fraud investigation, pitching your services to a prospective new client, testifying in court as a fact or expert witness, or speaking at a networking meeting to promote your services. At this seminar you’ll learn:• The three essential habits of being an interesting expert• Avoiding the big mistake when managing stage fright• How to distinguish your products, services, ideas, and yourself• Preparing your talk in half the time, making twice the impact“Remember, you’re more interested in what you have to say than any-one else is.”

—Andy Rooney

Identity Theft Investigations

Cynthia Hetherington, MLS, MSM, CFEFounder and PrincipalHETHERINGTON GROUPWayne, New Jersey

This session will demonstrate the location and overexposure of your personal information online. It will delve into Web 2.0 social net-works and open sources to show the volume of information people share about themselves. During our segment attendees will learn best practices in keeping your identity hidden while visiting open source sites, while also protecting your private information online.

Breakout Sessions – 2:30 - 3:30 pm

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WEDNESDAY, APRIL 30, 2014

Customer Complaints

Jeffrey S. Kropschot, CTCP, IACCP Chief Compliance OfficerEDWARD JONES TRUST COMPANYSt. Louis, Missouri

Every fiduciary organization must deal effectively with customer complaints, by regulation and best practice. Jeff will offer our attend-ees a must-have guide for managing the complaint process – through identification, resolution, and reporting (both internally and to the CFPB).

FATCA: The Time Has Finally Arrived to Implement

Michael ShepardPrincipalDELOITTE FASPhiladelphia, Pennsylvania

FATCA will present a number of significant operational and com-pliance challenges for financial institutions. Internal and external auditors will also be tasked with assessing compliance. This session will provide an overview of FATCA, regulatory guidance and FATCA timelines. We will take a deep dive into operationalizing the require-ments, and discuss potential implementation and on-going operation-al challenges and possible approaches to mitigate those risks. The session is designed to provide practical and useful information for FATCA compliance.

Muni Advisor Rule

Clifford J. AlexanderPartner K&L GATES, LLPWashington, D.C.

In September 2013, the SEC unanimously adopted a registration rule for municipal advisors, establishing that they have a federal fiduciary duty to clients if they provide advice, compensated or not, that is related to bonds or other municipal financial products and involves recommendations based on the specific needs of a municipal entity. Please join Cliff as he unwinds the complexities of the Rule and of-fers compliance insights and readiness due-dates to our attendees.

Trade Operations / Trade Errors / Trade Limits / Soft Dollars

Trey Ruch CEOSTERN AGEE ASSET MANAGEMENTBirmingham, Alabama

This is always a not-to-miss session for learning the risks of securities movement and the latest trading and operations challenges. Trey of-fers insights into this fast-paced world of trading practices and com-pliance oversight and interpretation.

Breakout Sessions – 3:45 - 4:45 pm

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THURSDAY, MAY 1, 2014

Keynote Session8:00 - 9:00 am

The Dirty End of a Cyberattack

Joseph T. PetroManaging DirectorPROMONTORY FINANCIAL GROUP, LLCNew York, New York

Financial services companies should not accept fraud losses as a cost of doing business. Please join one of our country’s leading fraud and financial security experts to learn how firms can redefine how they respond to financial crimes to turn fraud losses into revenue recovery opportunities.

General Session9:15 - 10:15 am

Executive Panel – Effective ERM / Fiduciary Risk Management Program

Randy J. Johanneck Senior Vice President & Chief Operating Officer Wealth ManagementCOMERICA BANK Dallas, Texas

Henry RistucciaPartnerDELOITTE & TOUCHE LLPParsippany, New Jersey

It’s a new age in financial services, and risk management has emerged as a critical and fundamental component of doing business. Risk management overlays all other activities in an organization. This is true for the fiduciary and investment business, as well as the enter-prise level. Our panel will discuss the elements of a sound fiduciary risk management program and how to incorporate that program with-in the enterprise’s overall risk management program.

Breakout Sessions – 10:30 - 11:30 amConference Highlights & Key Takeaways / Community Bank

Jennifer L. De Vries, CTASenior Managing DirectorRisk Management MB FINANCIAL BANK, NARosemont, Illinois

David B. Jonke, CTA, CPA Investment Advisors Compliance DirectorFIFTH THIRD BANKChicago, Illinois

Conference Highlights & Key Takeaways / Large Bank

Bruce K. Goldberg, CTA, CPA DirectorAudit and Enterprise Risk Services / Internal AuditDELOITTE & TOUCHE LLPNew York, New York

Gary E. Pelcak, CTA, CFSA, CFE Chief Audit ExecutiveCENTRAL NATIONAL BANKJunction City, Kansas

Conference Highlights & KeyTakeaways / Regulator

Angela Frozena, JD, MBA Internal Business Consultant THRIVENT FINANCIAL FOR LUTHERANSAppleton, Wisconsin

Jeffrey S. Kropschot, CTCP, IACCP Chief Compliance OfficerEDWARD JONES TRUST COMPANYSt. Louis, Missouri

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Conference Adjourns – 11:30 am

Hotel ReservationsConference attendees will receive a reduced group rate of $239.00 single or double occupancy. Please note that there is currently a 12.5% room tax per night. Simply call the Hotel’s reserva-tions department at 1-800-782-4414 and mention that you are with FIRMA when you make your reservations for the conference.

MAKING RESERVATIONS A dedicated website is now available from Hilton for our attendees to book their hotel rooms online. Reserva-tions may be made at this web address:

https://resweb.passkey.com/go/FIRMA2014

FIRMA has a block of rooms reserved for the conference attendees; however, this block will be released April 1, 2014. ALL RESERVATIONS MADE AF-TER 5PM, APRIL 1, 2014 ARE SUBJECT TO AVAILABILITY. The FIRMA group rate will be honored (3) days prior and (3) days after the meeting dates, subject to availability.

Hotel Government-Rate Reservations – (The Hilton is offering FIRMA 20 gov-ernment-rate rooms.)For our friends requiring government-rate room accommodations, FIRMA has negotiated a special room-block. Please call the above-reference 800 number to make your government-rate rooming reservations.

DressCasual dress is recommended for all conference functions. Orlando enjoys a mild climate; the average temperature in April is a high of 83 degrees with lows around 60 degrees at night. While at-tending conference sessions, a sweater or jacket is always recommended.

Directions from the Airport From the Airport: Exit the Airport North and follow to 528 West. Follow 528 West to I-4. Take I-4 West to exit # 68 and make a right. Take the next traffic light and make a left onto Hotel Plaza Boulevard. Follow for 1/2 mile and the Hotel will be on the left.

Airport Transportation Information(Prices approximate and subject to change)

• Shuttle Service @ $21.00 USD one-way; $34.00 round-trip• Limousine @ $130.00 USD• Taxi @ $50.00

For airport shuttle reservations, please contact Mears Transportation at (407) 423-5566 or visit www.mears-trans-portation.com. All above prices are seasonal estimates.

Americans with Disabilities Act FIRMA is pleased to assist in comply-ing with ADA. If you are an attendee with a disability, please contact Hale Mast, FIRMA Executive Director, (803) 547-8964, to discuss any auxiliary aids needed to assist you from a communica-tions, transportation, or architectural as-pect. FIRMA will then inform the hotel of your special needs.

Special Event FIRMA’s Board of Directors will host a special welcome social at the Hilton Hotel on Monday evening, from 6:00 - 8:00 pm. Come join us and enjoy this time to meet old and new friends at-tending the conference.

28th Annual National Training Conferenceat Orlando, FL – Notes

The Hilton Orlando Lake Buena Vista, located in the WALT DISNEY WORLD® Resort is an official hotel of Walt Disney World in Lake Buena Vista, Florida. Hotel guests will enjoy excep-tional facilities at our wonderful resort. Take a refreshing dip in either of the two swimming pools, enjoy a workout at our health club, play golf on our five Walt Disney World championship courses, and savor a variety of cuisines at our restaurants and lounges.

Our Lake Buena Vista hotel is steps away from Downtown Disney, home of the Disney Mar-ketplace and Disney’s West Side. What’s more, complimentary transportation to Walt Disney World Theme Parks is provided for all of our guests.

Hilton Orlando Lake Buena Vista, located in the WALT DISNEY WORLD® Resort offers spacious accommodations and relaxed comfort in our modern guest rooms. All feature soft colors and convenient amenities that make it the ultimate retreat whether traveling for business or plea-sure.

Relax after a full day of excitement in one of our Deluxe Rooms. These accommodations are perfect for those attending a conven-tion or meeting, or on vacation with friends or family. Each includes special amenities like a coffeemaker, mini refrigerator, dual-line telephones, and much more.

FIRMA guests reserved in the group block will have access to guestroom internet at a discounted rate of $7.95 per day with ability to use “hot spots” located in the open areas (i.e. lobby, mezzanine above lobby, John T’s and pool) at no additional charge.

The Hilton family of hotels website is hiltonorlandolakebuenavista.com. For Orlando events, please visit the Orlando/Orange County Convention & Visitors Bureau is www.visitorlando.com

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REGISTRATIONFIRMA 28th NATIONAL RISK MANAGEMENT TRAINING CONFERENCE

April 27 - May 1, 2014 Register for: Check one: q Member q Non-member q Conference q $1,495.00* q $1,715.00* q Pre-Conference Workshop q I q II q $225.00 q $300.00 q In-Conference Seminar q $150.00 q $225.00

* Take a $100 discount if paid prior to March 7, 2014

Full Name – Mr ./ Mrs. / Ms. ______________________________________________________________________________________________

Name for Badge _______________________________________________________________________________ q FIRST TIME ATTENDEEor NEW FIRMA MEMBER

Title ___________________________________________________________________________________________________________________

Organization ____________________________________________________________________________________________________________

Address ________________________________________________________________________________________________________________

City, State, Zip __________________________________________________________________________________________________________

Phone_____________________________________________________________Fax __________________________________________________

E-mail Address _______________________________________________________________________________

NOTE: REGISTRATIONS FOR GROUP DISCOUNTS MUST BE SUBMITTEDIN 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.

q I am part of a group registration

q Please Invoice

q Check enclosed (payable to FIRMA)

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

Card Holder Name (Please Print) _______________________________________________________________________________________

Credit Card No. __________________________________________________________Expiration Date___________Security Code _______

Authorized Signature _________________________________________________________________________________________________

Conference Materials: All 2014 Conference attendees may access and download the conference materials, speaker outlines, and handouts from the FIRMA website prior to the Conference. Registered attendees will be notified when the speaker materials become available

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 thefirma@att.net

REGISTER ONLINEVisit our website at www.thefirma.org.

TRAVELCall Action Travel at 800.854.0601, ext. 3012 for travel arrangements.

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

ADDRESS SERVICE REQUESTED

Orlando Lake Buena Vista