JOIN. ENGAGE. LEAD.

Enterpr ise Risk • Credi t R isk • Market R isk • Operat ional R isk • Regulatory Compl iance • Secur i t ies Lending

Join us for RMA’s premier event of the year.

NOVEMBER 12–14, 2017BOSTON MARRIOTT

COPLEY PLACE BOSTON, MA

AS OF 9/8/2017

FEATURED SPEAKERS

Bankers from large, regional, and community banks attend this conference, which features recognized speakers and specialized tracks. You’ll get specific how-to information in breakout sessions.

This conference offers an opportunity to get the latest information on risk management, specialized lending, and regulatory issues. You’ll learn how to deal with some of the critical issues facing your bank today and some that you’ll face tomorrow. It is designed for risk management professionals at every career level.

PREPARE FOR TOMORROW.

• Stay up to date on the latest industry changes.• Network with your peers and meet new contacts.• Hear from esteemed industry leaders.

• Share what you know.• Learn more than you can imagine… all during one

amazing conference.

BRIAN T. MOYNIHAN, CHAIRMAN & CEO, BANK OF AMERICA

VICTOR CALANOG, CHIEF ECONOMIST & SENIOR VICE PRESIDENT, REIS, INC.

Dr. Calanog is Chief Economist and Senior Vice President of Research. He and his team of economists and analysts are responsible for Reis’s market forecasting, valuation, and real estate portfolio analytics services. Calanog serves on the Editorial Board of the CRE Finance Council and Real Assets Adviser. He is a member of the Board of Directors and Executive Committee of the Counselors of Real Estate ®. He holds a PhD in Applied Economics and Management Science, an MBA in Finance and an MA in Business and Public Policy, all from the Wharton School of the University of Pennsylvania.

Mr. Fess is President & CEO of Brookline Bank a $4 billion dollar bank based in Brookline, Massachusetts. Most of his career has focused on Commercial Real Estate and C&I Lending. Previously he served with Wainwright Bank & Trust Company, Citizens Bank and Grove Bank. He holds a Masters of Business Administration from Providence College in Providence, RI, and a Bachelor of Arts in Economics from Boston University. He is also a graduate of the Stonier Graduate School of Banking. Mr. Fess serves of the Board of Directors for Supportive Living Inc., a nonprofit based in Woburn, MA dedicated to supporting survivors of brain injuries.

Mr. Moynihan is the Chairman and Chief Executive Officer of Bank of America. He is on the World Economic Forum International Business Council, and is on the Supervisory Board of The Clearing House. He chairs the Financial Services Forum and the Financial Services Roundtable, and the Health care sub-committee of the Business Roundtable. Moynihan is a member of the Federal Advisory Council of the Federal Reserve Bank and serves on the Congressional Medal of Honor Foundation Board. He was elected to serve on the Brown Corporation Board of Fellows after serving on the Board of Trustees from 2010 to 2016. Moynihan earned a BA in history from Brown and a JD from the University of Notre Dame.

DARRYL J. FESS, PRESIDENT & CEO, BROOKLINE BANK

SUNDAY, NOVEMBER 124:30 – 5:30 p.m. First Time Attendees Cocktail Reception

Is this your first RMA Annual Conference? We’d love to welcome you to the event. Please join us for a drink and an overview of the conference. We look forward to meeting you. Registration, while free, is required.

5:30 p.m. – 7:30 p.m.Opening Reception in Main Exhibit Hall

Savor Boston! Join us at the conference opening reception. Enjoy a taste of Massachusetts while connecting, and re-connecting, with friends and colleagues.

MONDAY, NOVEMBER 137:15 a.m. – 8:00 a.m.Breakfast/Innovation Sessions

Sign up for one of these informative sessions on a timely industry topic presented by one of our industry partners.

8:00 a.m. – 8:30 a.m.Welcome and Introductions

Bill Githens, CRC, President and CEO, RMA

Robert Messer, RMA Chair, EVP and Chief Financial Officer, American National Bank of Texas

8:30 a.m. – 9:15 a.m.Keynote Speaker

Brian T. Moynihan, Chairman and CEO, Bank of America

9:30 a.m. – 10:30 a.m.Breakout Sessions Group 1

CREDIT RISK TRACK

Growing Loans In Concert With Your Portfolio Management Strategy And Risk Appetite StatementDiscuss how loan growth goals managed in concert with concentration limits and your bank’s risk appetite will best position your future balance sheet.

Construction TechnologyAn overview of innovative construction technologies that present new construction models designed to simplify progress monitoring and disbursement.

ERM/ORM TRACKUnderstanding Block Chain Technology and Its ImplicationsBlockchain is becoming a reality both in banking and other industries. Hear how distributed ledger concepts will eventually increase speed and efficiencies for banks.

CCAR/DFST/CECL Data DiscussionClean and usable data continue to be the basis for the stress testing models and now the CECL methodology. Hear what steps banks should be taking to ensure their data meets their standards.

COMMUNITY BANK TRACKLegal Issues All Community Banks Should Be MonitoringCan a bank be liable for the suicide of a rejected borrower? Can a security interest be lost due to inadequate due diligence? Is a UCC filing

terminated in error legally effective? Come hear about these and other important topics that can harm community banks.

Enhancing Credit Operations with the CloudCloud computing has become a strategic imperative for banks to consider. This session will focus on how leading banks are embracing technology to make faster decisions, meet customer expectations and streamline internal workflow efficiencies.

10:30 a.m. – 11:15 a.m.Coffee and Exhibit Hall Break

11:15 a.m. – 12:15 p.m.Breakout Sessions Group 2

CREDIT RISK TRACKImportant Changes to the Accounting Rules That Will Affect Your Underwriting PracticesHear about the upcoming changes to the accounting standards that will change the ways bankers and customers should view their financials and ratios going forward.

The Challenges of Being an Underwriter TodayExplore the challenges and cultural shifts that have changed the underwriting position from its traditional role.

ERM/ORM TRACKBusiness Continuity Challenges and StrategiesFrom cyber attacks to natural disasters, learn some best practices to consider before the next crisis occurs.

SUNDAY, NOVEMBER 129:00 a.m. – 12:30 p.m.

Community Bank Vendor Risk Management Forum

Third-party relationships are becoming a critical component of operational risk frameworks for organizations of all sizes. Amid mounting pressure from regulators, institutions like yours are challenged with meeting regulatory expectations and ensuring their programs help mitigate the risks related to third-party relationships.

Although an attractive option for reducing operating expenses, third-party vendors can present a myriad of risks including financial risk quality, scalability, security, privacy, and regulatory risk. Learn how to manage vendor risk starting with due diligence and vendor selection, continuing through contract review and vendor monitoring, and concluding with

post-termination issues. Master the essential elements and controls that should be addressed to reduce risk.

• Learn how to maintain successful relationships with your third-party vendors.

• Understand why the proper due diligence may help you not only lower costs, but ensure your vendors meet the regulatory expectations.

• Determine how you can use your existing operational risk framework to manage your vendors.

• Establish an ongoing monitoring process for your vendors.

CRC: 6 CEUsRegistration fee: RMA Member (seminar alone): $595RMA Member (with full conference registration): $395Nonmember: $750

1:30 p.m. – 4:30 p.m.

Pre-Conference Round Tables (for bankers only)

Credit Risk Policy Round Table

Participate in interactive discussions that will focus on credit risk policy issues. Banks of all sizes are encouraged to attend.

Enterprise Risk Management Round Table

Designed for banks under $10 billion that are well under way in the ERM process, this round table will feature interactive discussions focusing on enterprise risk management issues.

CRC: 3 CEUs eachRegistration fee: $250 each for Credit Risk Policy and Enterprise Risk Management.

CONFERENCE AGENDA

PRE-CONFERENCE EVENTS

JOIN. ENGAGE. LEAD.

The M&Ms of Operational Risk ManagementMeasuring, Monitoring, and Managing Risk to maximize compliance…and the bottom line. Shifts in economic, market, political or regulatory influences can significantly impact a bank’s operations, and lending institutions need to constantly review and adjust processes, procedures and policies in order to comply and compete in the market. This session will look at the current lending environment and how regulations, economic conditions and other market influences have forced banks to take a renewed look at their operational risk plans.

COMMUNITY BANK TRACKCommunity Bank Chief Credit Officer PanelVisit with a panel of CCOs who are managing the spectrum of risks at their respective community banks.

Concentration Risk Management: How Are Community Banks Managing the 100/300 CRE Levels?Regulatory limits for CRE lending levels are at high levels for many community banks. Hear some relevant strategies regarding CRE portfolio management.

12:30 p.m. – 1:15 p.m.Luncheon/Innovation SessionsSign up for one of these informative sessions on a timely industry topic presented by one of our industry partners.

1:30 p.m. – 2:15 p.m.Keynote Speaker Darryl J. Fess, President and CEO of Brookline Bank

2:15 p.m. – 3:15 p.m.CRO PanelLeading bank CROs of national companies will discuss the major concerns they have heading into 2018, answer questions from the moderator, and field questions from the audience.

3:15 p.m. – 4:00 p.m.Coffee and Exhibit Hall Break

4:15 p.m. – 5:15 p.m.Breakout Sessions Group 3

CREDIT RISK TRACKChief Credit Officer PanelThree chief credit officers will discuss today’s top credit issues and share their main concerns for their portfolios and lending opportunities. This moderated session will be highly interactive, encouraging audience participation throughout.

Interest Rate Risk and Liquidity IssuesThese challenging topics will be explored during this interactive discussion. Hear how banks are best preparing for rate increases and potential liquidity tightening.

ERM/ORM TRACKData Governance and Model Risk Management DiscussionLearn how banks are measuring model risk at an aggregated level within their operational risk framework. How are the common risks of data quality, data transparency, and access to data being managed within the banks?

Do the Three Lines Of Defense Need Updating?Since the global financial crisis of 2007-2009, banks have increasingly questioned the three lines of defense. Recent data suggests that a fourth line of defense may be appropriate. The session will focus on data revealing why many risks and compliance practitioners think an overhaul is needed.

COMMUNITY BANK TRACKCECL: Deep Analytics in Assessing the AlternativesThe CECL guidelines do not offer specific recommendations for actual implementation. Participate in a discussion of alternative models and options, weighing the pros and cons of each.

Community Bank Landscape: Finding A Niche To Ensure Your SuccessEstablishing you bank’s niche product or strategy is critical to differentiating you from your competition. Hear practical examples and strategies to set your community bank apart from the pack.

5:30 p.m. – 6:45 p.m.Networking Reception in the Exhibit Hall

TUESDAY, NOVEMBER 147:15 a.m. – 8:00 a.m.Breakfast/Innovation SessionsSign up for one of these informative sessions on a timely industry topic presented by one of our industry partners.

8:15 a.m. – 8:30 a.m. Awards

Bill Githens, CRC, President and CEO, RMA

Robert Messer, RMA Chair, EVP and Chief Financial Officer, American National Bank of Texas

8:30 a.m. – 9:15 a.m.Keynote Speaker

Victor Calanog, Chief Economist, REIS

9:15 a.m. – 10:15 a.m.Regulatory Panel

Regulatory leadership from each of the three prudential regulating agencies will appear on a panel and take questions from the audience.

10:15 a.m. – 10:45 a.m.Coffee and Exhibit Hall Break

11:00 a.m. – 12:00 p.m.Breakout Sessions Group 4

CREDIT RISK TRACKLoan Policy IssuesWhat are your bank’s direct or indirect policies around marijuana financing? How has your leveraged lending policies been received by regulators? Have your enterprise value polices come under scrutiny? Hear what bankers are doing to address these topical issues.

Changing Credit Culture in a Dynamic regulatory EnvironmentRegulatory expectations continue to increase, including credit management challenges like concentrations, CRE, CECL and other proactive risk management practices. A healthy credit culture can more easily adapt to meet these challenges. When an institution establishes their credit and data management processes properly, they are able to fulfill their regulatory requirements and establish a robust credit culture that will help them thrive.

ERM/ORM TRACKCECL Working Group PanelAll banks are preparing for CECL implementation. Hear from a panel of bankers from large, super-regional and mid-tier banks who can share key learnings from their work thus far in their respective organizations.

Sales Practices Governance and Control IssuesUnderstanding your bank’s end-to-end vulnerabilities is key to managing sales practice risk. Discuss how compensation plans and operational controls all factor into ensuring proper conduct.

COMMUNITY BANK TRACKKRIs That All Community Banks Should Be WatchingKey risk indicators are measurable tools that allow banks to manage risk. With so many to choose, be a part of the discussion that will help you choose those most appropriate for your bank.

Five Reasons Why Development Projects Lose MoneyCRE projects are inherently risky and banks often lose sight of the risks. Discuss the primary risk components—schedule, budget management, change orders, personnel, and contracts—of these projects and learn to mitigate losses in your organization.

12:00 p.m. – 1:00 p.m.Lunch

1:00 p.m.Conference Adjourns

Enterpr i se R isk • Cred i t R isk • Marke t R isk • Opera t iona l R isk • Regu la to ry Comp l i ance • Secur i t i es Lend ing

POST-CONFERENCE EVENTS

November 14, 1:30 p.m. – 5:00 p.m. continuing November 15, 8:30 a.m. – 3:30 p.m.

THE ALLL WORKSHOP: UNDERSTANDING CECL

Workshop OverviewThis comprehensive workshop is a scenario-based training program presenting the key estimating, regulatory, and accounting challenges faced by community banks in determining its reserves—a bank’s most critical quarterly calculation.

The program is developed and presented by MST, the education-based and leading provider of ALLL solutions to community banks. Experts in various disciplines will present information and best-practice approaches related to estimating the ALLL and the transition to CECL—regulatory, accounting, technology, etc.—and will provide course materials that allow you to apply lessons learned in working through various allowance scenarios.

• Streamline your ALLL data collection, processes, and planning for transition.

• CECL modeling ideas and examples.• Using and creating economic forecasts.

CRC: 12 CEUs

Registration fee:RMA Member (seminar alone): $865RMA Member (with full conference registration): $589Nonmember: $1,235

PREMIERE SPONSORS AND EXHIBITORS (PARTIAL LIST)

AFSwww.afsvision.com Ardmore Banking Advisors, Inc.www.ardmoreadvisors.com Baker Hillwww.bakerhill.com

Cloud Lending Solutionswww.cloudlendinginc.com

Codefiwww.codefiworks.com

Continuitywww.continuity.net Environmental Risk Innovations, LLCwww.eriskinnovations.com

Finastrawww.finastra.com

First American Professional Real Estate Serviceswww.firstamsms.com FISwww.fisglobal.com Global Wave Groupwww.globalwavegroup.com IBISWorldwww.ibisworld.com

Linedatawww.linedata.com

MST www.mainstreet-tech.com

nCinowww.ncino.com NewGenwww.newgensoft.com Partners, Engineering & Sciencewww.partneresi.com PayNet, Inc.www.paynet.com Proformancewww.proformance.com

Reiswww.reis.com

S&P Globalwww.spglobal.com

Sageworkswww.sageworks.com

Unisearchwww.unisearch.com Validiswww.validis.com

Vanguard Software Groupwww.vsgsolutions.com

Waypoint Consultingwww.waypointco.com

JOIN. ENGAGE. LEAD.

GENERAL INFORMATION

Sponsorship and Exhibiting OpportunitiesFor sponsorship and exhibiting opportunities, please contact Keara McGlynn, Associate Manager, Marketing, at 215-446-4110 or kmcglynn@rmahq.org.

Earn Credit Risk Certification CEUsBy attending the Annual Risk Management Conference you can earn 12 CEUs toward maintaining your Credit Risk Certification or 12 CPE hours for NASBA credit. If you attend a pre-conference round table, you can earn 3 additional CEUs toward maintaining your certification. In addition, if you attend the Operational Risk Forum, you can earn 6 CEUs toward maintaining your certification, plus another 12 CEUs by attending The ALLL Workshop: Understanding CECL post-conference events.

Hotel ReservationsOur conference hotel is the Boston Marriott Copley Place, 110 Huntington Avenue., Boston, MA 02116. Our group rate is $249 single/double. For accommodations during the conference, please call the hotel at 617-236-5800; and refer to the RMA Annual Conference. Reservations must be made by October 12, 2017 in order to ensure room and rate availability.RMA cannot guarantee room or rate availability after that date or if our block sells out prior to that date. To change your reservation or to cancel, please use the click-thru below or contact the hotel directly.Please Note: RMA does not use housing bureaus or third-party providers, so please only use the phone number above or link provided on the RMA conference website, www.rmahq.org/rmaconf2017 to make your hotel reservation.

BadgesBadges must be worn for admittance to all conference functions, including receptions.GuestsA guest is a spouse, significant other, or friend who is not in an industry related profession.

Registered guests, those who paid the $75 fee, are welcome to attend Sunday’s opening reception, Monday evening’s reception, and continental breakfast with the registrants on Monday and Tuesday. Other than the receptions and breakfasts, we ask that guests not attend those functions scheduled for attendees of the conference, including business sessions and conference luncheons on Monday and Tuesday. We appreciate your understanding and cooperation.

Recommended DressAll conference events are business casual. Please bring a light sweater or blazer to the business sessions so that you are prepared for variances in room temperatures.

Private Social FunctionsRMA policy prohibits any extension of hospitality that, because of size, timing, use of hotel staff, or other obvious circumstances, may be regarded as a competitive overture. This policy does not preclude chapter-sponsored gatherings or small personal get-togethers. We appreciate your cooperation.

Cancellation PolicyFull registration will be refunded if a written request is received by RMA no later than October 4, 2017. Fax 215-446-4100 or email registrar@rmahq.org. Registrants whose cancellations are received after October 4, 2017, but before October 20, 2017, are subject to a service fee equal to 50% of the registration fee. Registrants whose cancellations are received after October 20, 2017, and no-shows, forfeit the entire fee. Substitutions from the same institution may be made at any time.

For agenda updates and additional information, please visit our conference website at www.rmahq.org/rmaconf2017.

SUPERIOR TO ALL OTHER BANKING TRADE GROUPS’ CONFERENCES I HAVE ATTENDED OVER THE YEARS.

BILLING INFORMATIONq Same as above

Name InstitutionAddressCityState/province Zip/postal codeCountry

RMA ANNUAL RISK MANAGEMENT CONFERENCE NOVEMBER 12–14, 2017 • BOSTON, MA

Qty. Amt.CONFERENCE ONLY

RMA chapter officer/board member or Credit Risk Certified individual

August 1, 2017 through September 15, 2017 $995 _____ _______After September 15, 2017 $1,195 _____ _______

RMA Associate memberAugust 1, 2017 through September 15, 2017 $1,095 _____ _______After September 15, 2017 $1,295 _____ _______

Nonassociate from RMA member institution/Professional member

August 1, 2017 through September 15, 2017 $1,195 _____ _______After September 15, 2017 $1,395 _____ _______

Nonmember Any time $1,895 _____ _______Spouse/guest Any time $75 _____ _______

PRE- AND POST-CONFERENCE EVENTSCredit Risk Policy Round Table (November 12) Bankers only $250 _____ _______

Enterprise Risk Management Round Table (November 12) Bankers only $250 _____ _______

Operational Risk Forum: Community Bank Vendor Risk Management (November 12)

RMA Member (forum alone) $595 _____ _______RMA Member (with full conference registration) $395 _____ _______Nonmember $750 _____ _______

First-timer Cocktail Reception (November 12) Any time N/A _____ _______

The ALLL Workshop: Understanding CECL (November 14–15)

RMA Member (seminar alone) $865 _____ _______RMA Member (with full conference registration) $589 _____ _______Nonmember $1,235 _____ _______

Tota l _______

q Mr. q Mrs. q Ms.

First name: ________________________________________ M.I.: ___ Last name: _________________________________________________

Nickname (for badge): ________________________________________ Title: ____________________________________________________

Institution: ___________________________________________________________________________________________________________

Mailing address: _______________________________________________________________________________________________________

City: ______________________________________________________ State/province: ___________________________________________

Zip/postal code: ________________________________________ Country: ______________________________________________________

Phone: __________________________________________________ Fax: ______________________________________________________

Email address: ______________________________________________________________________________________________________

REGISTRATION FORM | EVENT #501201-18 | Promotional Code: BROCHURE

This section must be filled out in order to properly process your registration.

Which best describes your job function? Please check all that apply.q Auditorq Business Line Operational Risk Managerq CEO/Presidentq Chief Credit Officerq Chief Risk Officerq COOq Chief Operational Risk Officerq Chief Information Officer/Director ITq Chief Regulatory Affairs Officerq Chief/Senior Lenderq CFO/Financeq Compliance Officer/Managerq Corporate Operational Risk Managerq CPA/Attorney/Appraiserq Credit Administration/Departmentq Credit Policy Officerq Dean/Professor/Teaching Assistantq Government Agencyq Human Resources/Training Directorq Insuranceq IT Managerq Legal Counselq Loan Review/Administrationq Market Risk Officerq Nonbank/Nonfinancialq Portfolio Management Officerq Regulator/Examinerq Relationship Manager/Lenderq Risk Management Officerq Secretary/Admin. Assistantq Securities Lendingq Securities Traderq Studentq Underwriter/Analystq University/Librarian Which best describes your area of specialty? Please check all that apply.q Agricultural Lendingq Auditq Commercial Bankingq Consumer/Retail Bankingq Corporate Officeq Credit Departmentq Credit Riskq Custodyq Enterprise Riskq Finance Functionq Funds Managementq Health Careq International/Global Bankingq Investment Bankingq ITq Legalq Life/Health Insuranceq Market Riskq Nonbank/Nonfinancial Institutionq Nonprofit/Universityq Operational Riskq Operationsq P&C Insuranceq Private Banking/Wealth Managementq Real Estate Lendingq Sales and Marketingq Securities Lendingq Securities or Fixed-Income Trading

REGISTER 5 WAYS1 Email: registrar@rmahq.org2 Online: www.rmahq.org3 Phone: 800-677-76214 Fax: 215-446-41005 Mail: RMA

Lbx 1140 P.O. Box 8500 Philadelphia, PA 19178-1140

SPOUSE/GUEST REGISTRATIONIncludes opening reception, breakfast with participants Monday and Tuesday, and Monday evening reception. Lunches are on your own.

Guest’s full name: ___________________________________________________________

Nickname (for badge): ________________________________________________________

q Check enclosed q VISA q MasterCard q AMEX q Diners Club q Discover

Credit card number: __________________________________________________________

Expiration Date: ______________________________________________________________

Signature: ___________________________________________________________________I understand that my signature allows The Risk Management Association to charge my credit card for this purchase.

Full conference includes opening reception, breakfast, and lunch on Monday and Tuesday, cocktail reception on Monday, and all business sessions on Monday and Tuesday.

1801 Market Street, Suite 300 Philadelphia, PA 19103www.rmahq.org800-677-7621

For agenda updates and additional information, please visit our conference website at www.rmahq.org/rmaconf2017.

THIS YEAR’S 2017 RMA ANNUAL RISK MANAGEMENT CONFERENCE PROMISES TO BE

BIGGER, BETTER, AND MORE INFORMATIVE THAN EVER.

Designed for risk management professionals at every career level, the conference will offer an opportunity to get the latest information on risk management, specialized lending, and regulatory issues. We will offer up to 24 breakout sessions broken into specific tracks:• Credit risk• Enterprise Risk Management/Operational Risk Management

• Community Banking

Experience the variety of topics and Prepare for Tomorrow by understanding the most critical issues facing your bank.

PRESORTEDSTANDARD

U.S. POSTAGEPAID

PHILADELPHIA, PAPERMIT #5634