New Sessions Added Daily

2015 CBA LIVE

CBA PREMIER CORPORATE SPONSORS:

Black Knight Financial Services Equifax

Fiserv MasterCard Worldwide

Novantas, Inc.

Monday, March 23, 2015

8:30 AM ­ 10:00 AM

Location:Bonnet Creek X

Credit Bureau Compliance Solutions to Meet RegulatoryExpectations

Breakfast Included, beginning at 8:30 am. Session begins at 9:00 am. CreditBureau Compliance (CBC) is a leading pressure point in U.S. banking today due tothe recently expanded regulatory expectations surrounding the accuracy andintegrity of credit bureau data, the intensified media focus on reporting errors, andthe increasing number of fines levied against data furnishers for inaccuratereporting. This interactive session will take you through the critical issues and anoverall approach to quickly implement a comprehensive, enterprise­wide CreditBureau Compliance Program, addressing the evolving regulatory requirements andexpectations. Bridgeforce experts will deconstruct specific areas of risk, highlightsolutions to address these risks and share related opportunities to enhancebusiness practices across all three areas of CBC: usage, reporting and disputes.

Speaker(s):J. Kurtis Kline, Managing Partner, Bridgeforce Law Brian Reiss, President, Bridgeforce Matt Scarborough, Chief Executive Officer, Bridgeforce

8:30 AM ­ 9:30 AM

Location:Bonnet Creek III

Homing in on Home Equity

HELOC is finally on the rise again, as home values increase and householdsrebuild equity in their homes. To capitalize on the growing opportunity, banks willneed deeper insight into the post­recession HELOC consumer: what do they wantand how can you deliver? Join Novantas experts for an in­depth review of the homeequity consumer landscape from new consumer survey research, and theimplications for targeting, marketing, offers and pricing. The session will cover newinsights into behavioral segmentation, use cases for HELOC borrowers, howsegments shop for HELOC, trends in customer elasticity and characteristics ofprospective HELOC customers.

Speaker(s):Jason Holmes, Vice President, Consumer Lending Product Management, TD BankLee Kyriacou, Managing Director, Novantas, Inc. Robert Vokes, Managing Director, Novantas, Inc.

8:30 AM ­ 10:00 AM

Location:Bonnet Creek XI

Credit Invisible and Underbanked: Still An UntappedMarket

Breakfast included, beginning at 8:30 am. Session begins at 9:00 am. Competitionfor the traditional customers has intensified across each of the consumer sectors:jumbo mortgages now trade inside of conforming loans, "thick file" borrowers weighcredit cards against marketplace loans, and auto borrowers shop offers from directand nonbank lenders. Outside this universe, however, are millions of millennials,

retirees, and other consumers with limited or nontraditional credit histories. Whattype of opportunities are lenders finding in this segment of the market? How canadvances in credit scoring analytics help you smartly, and in accordance withprudent credit risk management, reach these consumers and establish long­termbanking relationships? Experts tackles these questions and more during a gourmet,V.I.P. breakfast and discussion. Attendees will learn about how to take advantage ofcredit scoring breakthroughs and gain a better understanding of the competitivelandscape.

Speaker(s):Mike Trapanese, Senior Vice President, Strategy and Strategic Relationships,VantageScore Solutions, LLC

9:00 AM ­ 10:00 AM

Location:Bonnet Creek I

Looking to the Future: Emerging Affluent Millennials

As banks look towards the future and work on setting the foundation for growth, akey part of the plan is better understanding the preferences and needs of theirMillennial customers and how to identify which of those Millennial customers are ontrack to become affluent in the future. This "emerging affluent" pocket of thepopulation should be a key area of focus for banks. During this session, Equifax willdiscuss tips on how to identify affluent Millennial households within their customerbase and gain ideas on how to market to these households to successfully fosterand grow their relationships. The session will also explore insights into the financialbehaviors and preferences of Millennials; characteristics of Millennial householdsthat make them likely to become affluent in the future; how to develop segmentationstrategies based on likelihood for future growth; and tips on how to nurtureemerging affluent customers towards a trajectory of future growth.

Speaker(s):Edward Colet, Vice President, Analytics, Equifax

9:00 AM ­ 10:00 AM

Deposits and PaymentsForum

General Session

Location:Bonnet Creek XII

Game Changer: Just When You Thought You Knew YourCompetition

From sports to dating ­ and banking too ­ checking out how you stack up to thecompetition is key. How you set reference rates directly impacts your ability toforecast, price appropriately, and reach your targets for deposit­gathering to fundassets. Common banking approaches include qualitative, expert opinion, andmarket research. Learn from an industry veteran how finding and acknowledgingnew competitors and using multiple reference sets in pricing models leads to betterdecisioning around pricing deposit products.

Speaker(s):Frank Rohde, Chief Executive Officer, Nomis Solutions, Inc.

9:30 AM ­ 10:30 AM

Location:Bonnet Creek II

Workshop: It's Not Too Late to Plan for Resets

Are you prepared to prevent borrower financial shock from home equity line resets?Many borrowers have grown comfortable making low payments on their homeequity lines of credit during the draw period. Financial shock is common when therepayment period begins and principal is added to the interest payments. Withregulators keeping a watchful eye on the industry to prevent additional borrowerrisk, lenders need clear plans for helping borrowers with fast­approaching changesin their home equity payments. In this open forum, we will discuss strategies forsegmenting your home equity portfolio and developing a comprehensive programthat offers specific options for resetting home equity lines of credit based onborrower needs. Attend this workshop to learn more about: account characteristicsand volumes; primary issues facing home equity borrowers; segmentationstrategies; and future home equity lending. Make this workshop your next smartmove, and find out the vital steps you need to prepare borrowers, protect yourprofits and satisfy regulators.

Speaker(s):Seth Waller, Executive Vice President & Chief Credit Officer, EverBank Chad Powers, Senior Vice President Consumer Business Strategy, Black KnightFinancial Services

9:30 AM ­ 10:30 AM

Location:Floridian K

Deposit Account Opening ­ Today and Tomorrow

Join a panel of experts to gain insights on the current and future state of depositaccount opening. Session participants will leave with a better understanding ofindustry trends related to digital account opening, how the major players areadapting, and ways to meet changing consumer expectations.

Speaker(s):Tom Johnson, Vice President, Business & Product Development, Zoot Enterprises Brad Jones, Vice President, Retail Banking Leader, Equifax Edward O'Brien, Director, Banking Channels Advisory Service, Mercator AdvisoryGroup

10:30 AM ­ 12:30 PM

Location:Bonnet Creek IV ­ IX

Opening Networking Lunch

Begin your CBA LIVE experience with lunch in our exhibit hall. Catch up with oldfriends and make new connections. This is a great opportunity to meet with trustedsuppliers and industry partners.

Sponsor(s):Diamond: The Boston Consulting Group

12:30 PM ­ 1:30 PM

General Session

Location:Floridan A­I

Get Unconventional...

If you always do what you always did, you'll always get what you always got. Evensuccessful strategies of the past could undermine your future in today's consumer­driven economy. Peter Sheahan, best­selling author and international businessconsultant turns conventional wisdom on its ear. Peter will motivate you to embracechange, and inspire you to take the risks necessary to move your bank to the top ofthe consumer agenda.

Speaker(s):Peter Sheahan, Chief Executive Officer, ChangeLabs

Sponsor(s):Diamond: VantageScore Solutions, LLC

1:30 PM ­ 1:40 PM

General Session

Location:Floridian A­I

Welcome to CBA LIVE 2015

CBA LIVE 2015: The Consumer Agenda

Speaker(s):Richard Hunt, President and Chief Executive Officer, Consumer BankersAssociation

1:40 PM ­ 2:00 PM

General Session

Location:Floridian A­I

The Consumer Agenda ­ Still Haven't Found What They AreLooking For...

Consumers are calling the shots, thanks to more choices, rapidly evolvingtechnologies and disruptive alternatives. The more we listen, learn and evolve withthe consumer­centric marketplace, the brighter the retail banking industry will shine.Banks need to deliver what consumers want. They want the branch and the app.They want bright and shiny. They want it all and they want it fast. Balancing usagebehaviors for an array of products and services is an ongoing challenge, andattaining consistency and alignment is the holy grail. Join Gallup to explore theConsumer Agenda and what it means for your bank.

Speaker(s):Ed O'Boyle, Global Practice Leader, Gallup, Inc.

2:00 PM ­ 2:15 PM

General Session

Location:Floridian A­I

Word Up

CBA's Board of Directors will join us on stage to share their word or phrase that willguide them in 2015, all in 25 seconds each.

Speaker(s):Moderator: Timothy Wennes, West Coast President, Head of Retail Banking andWealth Markets, MUFG Union Bank, N.A.

2:15 PM ­ 2:45 PM

Location:Bonnett Creek IV ­ XI

Afternoon Refreshment Break with Exhibitors

Recharge and refresh with a specialty drink at the Beverage Bar and visit withkeynote speaker Peter Sheahan to receive a signed copy of his book, "Making ItHappen: Turning Good Ideas Into Great Results."

2:45 PM ­ 3:55 PM

Auto Finance Forum

Location:Bonnet Creek I

UBER is Changing the Rules for Auto Finance

Does UBER have a presence in your city? If not, they will be there soon. Learn fromUBER the basics of their business model, how drivers make money and whatcontracts they sign. UBER will have industry statistics on the economic impact ofownership and will share vehicle finance opportunities including leases anddealing with subprime­prime borrowers. Bring your questions to this interactivediscussion.

Speaker(s):Gus Fuldner, Head of Insurance, Uber Technologies

2:45 PM ­ 3:55 PM

CFPB Forum Regulatory Fortunetelling: What's to Come From theCFPB?

Location:Bonnet Creek Salon XI

The CFPB is one of the most powerful regulators in America, with involvement innearly all facets of retail banking. From prepaid accounts and consumer complaintsto debt collection and overdraft, our experts return to revisit issues from 2014 andshare what they see coming next from the Bureau.

Speaker(s):Michael Calhoun, President, Center For Responsible Lending Leonard Chanin, Counsel, Morrison & Foerster Moderator: Steven Zeisel, Executive Vice President and General Counsel,Consumer Bankers Association

2:45 PM ­ 3:55 PM

Community ReinvestmentForum

Location:Floridian L

CRA: The Regulators Panel

A panel of senior representatives from the federal regulatory agencies, includingthe OCC, FRB and FDIC, will address emerging issues and offer insights into theevolving CRA landscape. The status of the proposed Q&A amendments will bediscussed, along with other topics of importance to CRA practitioners. Gainimportant information and take advantage of this opportunity to ask questions ofsenior policy makers.

Speaker(s):Bobbie Kennedy, Bank Examiner (Compliance Specialist), Office of theComptroller of the Currency Surge Sen, Section Chief, Supervisory Policy Division of Depositor and ConsumerProtection, Federal Deposit Insurance Corporation Theresa Stark, Senior Community Affairs Analyst, Board of Governors of theFederal Reserve System

2:45 PM ­ 3:55 PM

Digital Channels Forum

Small Business BankingForum

Location:Bonnet Creek X

Disruption in Small Business: The New Small BusinessCustomer

While there is no single mold for small business, there are common features andfunctionalities that resonate across this desirable customer segment. This sessionwill focus on in­field research with small businesses and the must­haves and nice­to­haves for digital and mobile banking use, along with key satisfaction drivers forsmall business banking users. Hear from industry experts as they uncover thetangible metrics showing the value of small business customers and which featuresto prioritize when developing and marketing digital and mobile offerings.

Speaker(s):Geoffrey Knapp, Vice President, Market Management, Digital Channels, Fiserv Donna Arce, Client Executive, Barlow Research Associates, Inc.

2:45 PM ­ 3:55 PM

Default Management Forum

Location:Floridian K

The Consumer Agenda: Collections Gets Conversational

In a world where the customer is king, companies cannot treat them like less thanroyalty just because their accounts are past due. Collections outreach is anopportunity to deliver above and beyond what customers expect. Technologyadvances are enabling a new level of two­way conversations with customerswithout the need for more call center agents. This presentation will talk about howcompanies can leverage virtual assistants with natural language understandingand two­way texting to engage consumers in a more personalized way to collect onpast­due debt.

Speaker(s):Andy Mauro, Senior Director, Cognitive Innovations Group, NuanceCommunications, Inc. Brian Moore, Senior Principal, Industry Solutions, Nuance Communications, Inc.

2:45 PM ­ 3:55 PM

Deposits and PaymentsForum

Location:Bonnet Creek XII

Integrating Wealth Management into the Branch

Hear compelling industry data from Bank Insurance & Securities Association (BISA)on why improving synergies between retail deposits and wealth managementdivisions will help increase wallet share of customers and grow revenue. Thismoderated panel will include deposit and wealth management experts from leadingbanks that have successfully integrated this approach. Tim Wennes, West CoastPresident, Head of Retail Banking and Wealth Markets, MUFG Union Bank, willmoderate and lead our experts in discussion.

Speaker(s):Sam Guerrieri, CEO of M&T Securities, Inc. and M&T Insurance Agency, Inc., M & TBank Corporation Jeff Hartney, Executive Director, Bank Insurance & Securities Association Joseph Lombardo, Group Vice President, Manager Consumer Deposits, M & TBank Corporation Dan McCormack, Senior Vice President, Division Manager, U.S. BancorpInvestments, U.S. Bancorp Ann Yekaldo, Senior Vice President, The Private Client Group, MetropolitanBanking, U.S. Bank Moderator: Timothy Wennes, West Coast President, Head of Retail Banking andWealth Markets, MUFG Union Bank, N.A.

2:45 PM ­ 3:55 PM

Fair and Responsible

Banking Forum

Location:Bonnet Creek III

State of the Union: 2015 Regulatory and EnforcementPriorities

Fair and responsible banking will continue to be an examination and enforcementpriority for DOJ, CFPB, HUD and prudential bank regulators in 2015 and beyond.This one hour session will provide a whirlwind tour of current regulatory priorities;compliance lessons from recent and likely future DOJ/CFPB consent decrees; newrules and regulations; emerging litigation threats and enforcement theories. Topicsof discussion will include mortgage lending and servicing; indirect auto; municipalfair lending litigation; new RESPA/TILA rule and related private litigation to follow;vendor management and add­on products; HMDA; small business; and onlinelending.

Speaker(s):Andrew Sandler, Chairman and Executive Partner, BuckleySandler LLP

2:45 PM ­ 3:55 PM

Home Equity LendingForum

Location:Bonnet Creek II

The Pulse of the Home Equity Market

Gain industry insights from leveraging timely lender origination and portfolio dataflows. Key analytical metrics and trends will be shared at industry­wide andregional levels relating to origination volumes, product and geographic trends,operational metrics, the competitive rate environment, branch productivity, portfolioperformance, and more. Beyond the numbers, bankers will discuss the businessback­story to the metrics and trends, leveraging insights gained from competing inthe growing home equity market.

Speaker(s):Justin Bigham, SVP, Head of Consumer Product Management, First Niagara Bank,N.A. Matthew Potere, Senior Vice President, Home Equity Product Executive, Bank ofAmerica Corporation Shaun Richardson, Vice President, Business Intelligence/Technology, IconAdvisory Group, Ltd. Moderator: Donald McClintic, Senior Vice President, Home Equity & DirectLending, SunTrust Bank

2:45 PM ­ 3:55 PM

Student Lending Forum

Location:Floridian J

Refinancing & Loan Modification: New Products forQualified Borrowers

This session will review current industry practices relating to private student loanrefinancing and loan modification. Multiple lenders will review different tools theycan provide their customers, modifications available to the distressed borrower, andnew refinance products available for qualified borrowers, including a discussion ofregulatory guidelines that impact lenders options.

Speaker(s):Tom Levandowski, Senior Company Counsel, Wells Fargo and Company, Inc. Thomas Lustig, President, PNC Education Lending, PNC Bank, N.A. Moderator: Mark Smith, Executive Vice President, Specialty Consumer LendingManager, SunTrust Banks, Inc.

4:00 PM ­ 5:00 PM

Auto Finance Forum

Location:Bonnet Creek I

Economic GPS ­ The Road Ahead

The auto finance market is back to its pre­recession levels. Where do we go fromhere? How will the resurgence of leasing change the business? Hear from industryeconomist Dennis Carlson as he discusses current and emerging economic trends,and their potential impact on the auto finance industry.

Speaker(s):Dennis Carlson, Deputy Chief Economist, Equifax

4:00 PM ­ 5:00 PM

CFPB Forum

Location:Bonnet Creek XI

CFPB Enforcement 101

Get an inside look at the activities of the CFPB's Enforcement Division. Learndetails about the Bureau's enforcement process and how it collaborates with otherdepartments and agencies. Get expert perspectives on enforcement from bothinside and outside of the agency.

Speaker(s):Anthony Alexis, Assistant Director of Enforcement, Consumer Financial ProtectionBureau Moderator: Jonice Gray Tucker, Partner, BuckleySandler LLP

4:00 PM ­ 5:00 PM

Community ReinvestmentForum

Fair and ResponsibleBanking Forum

Location:Bonnet Creek III

HMDA and Still More HMDA: The Dramatic Expansion ofMortgage Data Reporting

The Home Mortgage Disclosure Act (HMDA) will more than double in size by therequirements of the Dodd­Frank Act and the additional proposed rulemaking of theCFPB. Numerous implementation issues will arise as well as the potential forenhanced liability. The changes are not final yet, even so, it still is possible toconsider some of the potential effects on your CRA and Fair Housing Actperformance. A panel of experts will demonstrate how such an analysis can beundertaken and what possible implications will flow from the changes.

Speaker(s):Michelle Anderson, Senior Manager, Ernst & Young LLP Marc Fisher, Managing Director, Head of Lending Compliance, MUFG Union Bank,N.A. Staci Glenn Short, Senior Vice President, Fair Lending & CRA Strategy Manager,CRCM, CRP, Huntington Bancshares Incorporated Moderator: Kate Larson, Regulatory Counsel, Consumer Bankers Association

4:00 PM ­ 5:00 PM

Default Management Forum

Location:Floridian K

Establishing and Avoiding Liability under TCPA, FDCPAand UDAAP

The financial services industry is being inundated with lawsuits related to theTelephone Consumer Protection Act and the Fair Debt Collection Practices Act,while still exposed to enforcement risk arising out of the Dodd­Frank prohibition onunfair, deceptive and abusive acts and practices. During this session, attorneys wellversed in the TCPA, FDCPA and UDAAP will provide an update on recentdevelopments in these areas, and provide strategies to manage the associatedrisks.

Speaker(s):Jennifer Rieker, Weltman, Weinberg & Reis Co., L.P.A. Eric Troutman, Severson & Werson, A Professional Corporation

4:00 PM ­ 5:00 PM

Deposits and PaymentsForum

Location:Bonnet Creek XII

15 Million Shades of Grey: How to Move Beyond Yes/No inDDA Decisioning

Is access to checking a right or a privilege? While expanding access to financialservices is good business and good public policy, are there limits to the types oftransaction accounts that should be offered to consumers with a spotty past? Learnabout the choices banks need to make in terms of account screening practices, safeproduct design, ongoing account monitoring, graduation strategies and reporting ofbad (and good) behavior. Our panel of industry experts will help sort through thechoices every bank faces to address what limits, if any, should be placed onconsumer access to checking.

Speaker(s):Mark Erhardt, Senior Vice President, Retail Product Management, Fifth Third BankStuart Pratt, President and CEO, Consumer Data Industry Association Erik Stein, Vice President, Authentication Solutions, Early Warning Services Corey Stone, Assistant Director, Deposits, Cash, Collections and ReportingMarkets, Consumer Financial Protection Bureau Moderator: Brad Jones, Vice President, Retail Banking Leader, Equifax

4:00 PM ­ 5:00 PM

Digital Channels Forum

Location:Hamilton/Indian River

The Consumer Journey: From Couch to Branch

What do Circuit City, Radio Shack, and Kmart all have in common? They've fallenvictim to consumers shopping for products in the store but purchasing throughonline giants like Amazon. For banks, it's the opposite phenomenon ­ consumersare shopping online for checking accounts and other products before ever settingfoot in a branch. Find out how consumers make the journey from shopping on theircouch via their iPad or smartphone, to their local branch to open an account.

Speaker(s):Will Bordelon, Executive Vice President, Financial Services, Merkle, Inc. Moderator: Jason Kammer, Vice President, Mobile Channel, Fifth Third Bank

4:00 PM ­ 5:00 PM

Home Equity LendingForum

Location:Bonnet Creek II

The Consumer Experience: Increase Your HELOC Portfoliowith Happy Customers

What differentiates one HELOC from the next? The consumer experience. Join usto explore how the experience of obtaining a HELOC can either lead customers toform a lasting bank relationship or run for the door. Our distinguished presentersand panelists will address the importance of journey mapping the consumerexperience and highlight opportunities for increasing engagement using bothtraditional means and digital channels.

Speaker(s):Craig Peak, Executive Vice President, Director of Consumer Credit Product,IBERIABANK Robert Roelike, Senior Vice President, Direct Lending, U.S. Bank Moderator: Nancy G. Elkus, Vice President, Senior Consumer Lending ProductManager, Fifth Third Bank

4:00 PM ­ 5:00 PM

Small Business BankingForum

Location:Bonnet Creek X

A New Day at the SBA

Learn how the U.S.Small Business Administration has become a powerful force inthe world of small business. Hear directly from SBA Administrator Maria Contreras­Sweet and gain valuable insight into the future direction of the Agency.

Speaker(s):Cassius Butts, Regional Administrator, Small Business Administration Larry Conley, Vice President, Chase

Kenneth Connell, Executive Vice President, Business Banking Sales Director,Huntington Bancshares Incorporated Moderator: Timothy D. Dixon, SBA Program Manager, FirstMerit Bank

4:00 PM ­ 5:00 PM

Student Lending Forum

Location:Floridian J

Paying for College: How Banks Talk to Consumers

Given the role the government plays in higher education finance, banks involvedwith student lending must be aware of federal programs and explore all financingoptions. This session will answer many of the questions surrounding how to pay forcollege and explore how private student lenders are helping customers compareprices, terms, and benefits of student loans, including refinance products. Byreviewing the kinds of discussions student lenders have with their customers on adaily basis, this session will provide a great deal of useful consumer information forall CBA LIVE attendees.

Speaker(s):Brendan Coughlin, President, Auto & Education Finance, Citizens Financial Group Marie O'Malley, Senior Director, Consumer Research, Sallie Mae Moderator: Thomas Lustig, President, PNC Education Lending, PNC Bank, N.A.

5:00 PM ­ 6:30 PM

Location:Bonnet Creek IV ­ IX

Cocktail Reception with Exhibitors

Be sure to join CBA LIVE's cocktail reception in the exhibit hall to round out dayone. Network with attendees and connect with solution providers.

Sponsor(s):Platinum: Treliant Risk Advisors

Tuesday, March 24, 2015

7:15 AM ­ 8:15 AM

Location:Bonnet Creek IV ­ IX

Continental Breakfast with Exhibitors

Don't skip breakfast! Join our solution providers in the exhibit hall for the mostimportant meal of the day.

8:15 AM ­ 8:30 AM

General Session

Location:Floridian A­I

Beltway Banter

The CBA inside scoop on the latest regulatory and legislative issues playing out inWashington, D.C.

Speaker(s):Reagan Anderson, Senior Vice President, Congressional Affairs, ConsumerBankers Association Richard Hunt, President and Chief Executive Officer, Consumer BankersAssociation

8:30 AM ­ 9:00 AM

General Session

Location:Floridian A­I

Your Customer's Financial Blood Pressure...

More than wealth, today's customers worry about their financial health. The mostsuccessful financial services firms recognize the need to champion their customers'efforts to improve their overall financial well being. Jennifer Tescher, President andCEO of the Center for Financial Services Innovation, will unveil key findings andconsumer insights from the groundbreaking Consumer Financial Health Study ofmore than 7,000 individuals surveyed nationally. The remarkable results paint apicture of the state of financial health in America, link financial health status tofinancial product usage and behavior, and will be the basis for a new set ofconsumer marketing segments.

Speaker(s):Jennifer Tescher, President & CEO, Center for Financial Services Innovation(CFSI)

9:00 AM ­ 9:45 AM

General Session

Location:Floridian A­I

The Experience Economy ­ What's Wi­Fi Got To Do With It?

Today's consumer is looking for a personal experience when it comes to theproducts or services they purchase. James Gilmore, co­founder of StrategicHorizons LLP and co­author of The Experience Economy, will share whyexperiences are, in fact, a distinct form of economic output ­ as distinct from servicesas services are from goods and that those experiences must provide the basis fordifferentiating retail offerings in today's marketplace. In this session, Mr. Gilmore willdescribe the nature of the Experience Economy and outline principles and tools forstaging truly compelling experiences for your customers.

Speaker(s):James Gilmore, Author, Co­Founder, Strategic Horizons

9:50 AM ­ 10:50 AM

Auto Finance Forum

Location:Bonnet Creek I

Today's Auto Finance Business: A Manufacturer'sPerspective

Peter Grady at Fiat Chrysler will share his perspective on the wholesale and retailside of the auto finance space. Topics will include how manufacturers think aboutfinancing incentives/captives, future changes to the overall buying process, the F & Iprocess in the future, percentage of growth in leasing, changes to the franchisemodel, and changes to production affecting inventory levels. Bring your questionsand engage in the dialogue.

Speaker(s):Peter Grady, Vice President, Network Development, Fiat Chrysler Automobiles Moderator: Richard Porrello, Executive Vice President, Auto Finance GroupDirector, Huntington Bank

9:50 AM ­ 10:50 AM

CFPB Forum

Default Management Forum

Location:Bonnet Creek XI

Debt Collections Complaints and the Foundation forNormalization

With the public release of debt collection complaint data from the CFPB's ConsumerResponse Portal, some are calling on the agency to normalize its data. But whatdoes this look like and why does it matter to the industry? Hear the proprietaryresults of the CBA­KPMG debt collection complaint normalization project. Getexpert analysis of the data, as well as best practices for complaint management.You'll also learn how this may lay the foundation for normalization across all areasof consumer complaints.

Speaker(s):Robert Fisher, Partner, KPMG LLP Moderator: Cassandra Chandler, Senior Vice President, Data and PredictiveAnalytics Planning Executive, Consumer Operations, Bank of America Corporation

9:50 AM ­ 10:50 AM

Community ReinvestmentForum

Location:Floridian L

Don't be Green with Envy: Maximize CRA Ratings withGreen Initiatives

Hear from a panel of CRA practitioners at institutions with strong and effectivegreen initiatives. Learn how they maximized the CRA consideration for these effortsand utilized CRA to encourage further green programs.

Speaker(s):

Sharon Canavan, Community Relations, Office of the Comptroller of the Currency Barbara VanScoy, Chief Impact Investment Officer, Community CapitalManagement Moderator: Kathleen Rizzo­Young, Senior Vice President, CommunityDevelopment, HSBC USA

9:50 AM ­ 10:50 AM

Deposits and PaymentsForum

Digital Channels Forum

Location:Bonnet Creek XII

Addressing the Emerging Payments Landscape

Tokenization, controlling for Card Not Present (CNP), EMV, and wallets ­ the forcesimpacting the customer experience for today's payments providers are many, variedand increasing their impact to the bottom line. Learn about the factors that mayinfluence how you address the opportunity, manage the bottom line and gainknowledge essential to understanding your customer and addressing their needs.Join some of the industry's leading experts for a discussion on how to align yourinstitution's efforts with what matters.

Speaker(s):Melanie Gluck, Vice President, Mobile and e­Commerce Specialist, MasterCardWorldwide Bob Legters, Senior Vice President of Product, Fidelity National InformationSolutions Moderator: Jason Rudman, Senior Vice President, Consumer Payments & DepositProducts, KeyBank, N.A.

9:50 AM ­ 10:50 AM

Fair and ResponsibleBanking Forum

Location:Bonnet Creek III

Fair Lending Enforcement: The Government Perspective

The CFPB and the Department of Justice will share the latest issues facing retailbanks, including: recent enforcement actions, the current regulatory environment,and prospects for the future. What can we expect in the next year from theagencies? How are the regulators working together? What are the hot buttonissues? The discussion will be followed by a Q&A session with the audience.

Speaker(s):Patrice Ficklin, Assistant Director, Fair Lending and Equal Opportunity, ConsumerFinancial Protection Bureau Steven Rosenbaum, Chief Housing & Civil Enforcement Section, Civil RightsDivision, Department of Justice Moderator: Joseph Rodriguez, Of Counsel, Morrison & Foerster

9:50 AM ­ 10:50 AM

Home Equity Lending Home Equity Lending: Past, Present, and Future

Forum

Location:Bonnet Creek II

The home equity market has seen some distinct changes with the housing boom ofthe early 2000's followed by a steep downturn of the market. This session willexplore the state of the industry before and after the financial crisis including takinga close look at volume, underwriting standards, risk metrics, customer use, riskgovernance, and portfolio performance. The industry and consumers have learnedfrom The Great Recession, and changes are being implemented to strengthen thehome equity market.

Speaker(s):Pamela Dresselhouse, Senior Vice President, Director of Credit to RegionalOperations Group Manager, Citizens Financial Group Redmond Taylor, Senior Vice President, Consumer Lending & HARP Centers,Regions Financial Corporation Moderator: Logan M. Pichel, Executive Vice President, Head of ConsumerLending, Regions Financial Corporation

9:50 AM ­ 10:50 AM

Small Business BankingForum

Location:Bonnet Creek X

Where's All This Going? An Economic Outlook for SmallBusiness

Receive a detailed economic update with an overview of the state of the smallbusiness lending industry over the past year, where it is now and where it isheading. Industry experts will address current challenges and provide a detailedlook into the economic trends affecting small businesses operations.

Speaker(s):William Dunkelberg, Chief Economist, National Federation of IndependentBusiness

9:50 AM ­ 10:50 AM

Student Lending Forum

Location:Floridian J

Who Owns Your Student Loan?

The student loan market has seen major changes following the end of the FederalFamily Education Loan Program and new regulations for private lenders underDodd­Frank. This session will explore recent sales of student loan portfolios andhow lenders are adjusting their business models to better serve their customers.

Speaker(s):Benjamin Darnaby, Securitized Products Group , JPMorgan Chase Kenneth Ruggiero, Chairman and Chief Executive Officer, Goal StructuredSolutions, Inc., Moderator: Michael Getzler, Executive Director, Chase

10:50 AM ­ 11:20 AM

Location:Bonnet Creek IV ­ IX

Mid­Morning Refreshment Break with Exhibitors

Refresh your morning cup of joe in the exhibit hall and visit with suppliers. Needsome extra juice? Visit some of our exhibitors to plug in your mobile device ortablet.

Sponsor(s):Bronze: Ernst & Young LLP

11:20 AM ­ 12:20 PM

Auto Finance Forum

Location:Bonnet Creek I

Managing Millennials: What Teenagers Are Teaching UsAbout Automotive Finance

Today's teenager is tomorrow's automobile customer. What can we learn aboutserving this new generation of customers? Today's young car buyer learned to usea mobile device or a computer at the same time they learned to walk. Millennialsexpect to get things done quickly and efficiently, often completing their loanapplication on­line before they ever walk into the car dealer's lot. Loan satisfactionmatters. Alternative deal structure solutions enable lenders, borrows and agents toenter into finance conversations with an entire universe of possible deals at theirfingertips. This session will explore how to eliminate rehashing, easily ensurecompliance and increase profitability resulting in faster loan negotiations, lowerlabor costs, increased loan approval rates, reduce annual losses and greaterconsistency and transparency for risk.

Speaker(s):Matthew Stanley, Client Services Partner, FICO

11:20 AM ­ 12:20 PM

CFPB Forum

Location:Bonnet Creek XI

What's in the Cards for Arbitration?

The long­awaited results of the CFPB's survey on arbitration and a proposed ruleare likely to surface in 2015. Arbitration gurus offer opposing views on the issueand discuss what's to come from the CFPB.

Speaker(s):William Wade­Gery, Assistant Director, Office of Research, Markets & Regulation,Consumer Financial Protection Bureau Moderator: Alan Kaplinsky, Partner, Ballard Spahr

11:20 AM ­ 12:20 PM

Community ReinvestmentForum

Location:Floridian L

Place­Based Initiatives: Communities in Action

Hear from the representatives and stake­holders of several different programs thatfocus on revitalization designed to stimulate high­poverty communities with jobcreation and education. Expert speakers will discuss how best to leverage privatecapital to achieve maximum results and assist local leaders in navigating federalprograms.

Speaker(s):Michelle Braun, President and CEO, United Way Northeast Florida William Lambe, Senior Advisor, Community and Economic Development, AtlantaFederal Reserve Robert Manuel, Director of CRA, Wells Fargo Bank, N.A.

11:20 AM ­ 12:20 PM

Default Management Forum

Location:Floridian K

Pre­Delinquent Consumers: How to Find and HelpConsumers Close to the Edge

As the U.S. has come out of the recession, consumer confidence has grown andspending has increased. While this is true for most, some consumers still facedifficulties making ends meet on a month­to­month basis. These consumers areone negative life event away from falling into delinquency and possibly damagingtheir credit for the future. This session will discuss tools to identify these pre­delinquency consumers so lenders can proactively reach out and provideassistance.

Speaker(s):Michael Uline, Senior Partner, Insight Financial Marketing L.L.C.

11:20 AM ­ 12:20 PM

Deposits and PaymentsForum

Digital Channels Forum

Location:Bonnet Creek XII

Building a Bridge Between Security and Ease of Use

Consumers expect banks to keep their information and money safe but they alsodon't like it when banks put roadblocks between them and their assets. Learn aboutcurrent and emerging security measures to help banks meet both of these customerexpectations.

Speaker(s):Laura Bruck, Vice President, Marketing & Solution Strategy, EZShield FraudProtection Etay Maor, Senior Fraud Prevention Strategist, Trusteer, IBM Security Moderator: Michael Young, Vice President, Senior Banking Product Manager,EverBank

11:20 AM ­ 12:20 PM

Fair and ResponsibleBanking Forum

Location:Bonnet Creek III

Fair & Responsible Risk Assessments: Best Practices,Governance and Automation

In this session, learn best practices for conducting risk assessments emphasizingfair and responsible banking concepts. Hear strategies for maintaining ongoinggovernance and how technology solutions can enhance compliance managementsystems. Panelists will address ways to identify KRI's for fair lending and UDAAPrisk, promote fair and responsible lending culture, identify and strengthen weakcontrols at third party vendors and use trends in consumer complaints to enhanceyour fair and responsible lending record.

Speaker(s):Timothy Burniston, Executive Vice President, Wolters Kluwer Financial Services Christina Speh, Senior Vice President, Fair & Responsible Banking, TD Bank

11:20 AM ­ 12:20 PM

Home Equity LendingForum

Location:Bonnet Creek II

Improving Turn Times and Pull Through for Home EquityLoans

Home equity application processing time has increased dramatically in the past fewyears. Regulatory requirements, vendor product changes, and policyenhancements have all added steps to the workflow which has impacted thedecisioning process and the customer experience. Hear panelists discuss thetrends and how some banks are working to improve processing times whilebalancing regulatory approvals.

Speaker(s):Paul Doman, President and Chief Executive Officer, Accurate Group Michael Gordon, President, CC Pace Systems, Inc. Bob Jennings, Executive Vice President, RealEC Technologies Moderator: Jay Plum, Executive Vice President, Consumer and Mortgage LendingDirector, Huntington Bank

11:20 AM ­ 12:20 PM

Small Business BankingForum

Location:Bonnet Creek X

Small Business Financial Exchange: A ComprehensiveView of Lending Trends

This session explores current portfolio trends on a macro level with additionalinsight into regional and business­type trends. Attendees will hear from leadingindustry executives into the drivers of these trends and what your peers see asopportunities and challenges in 2015 and beyond.

Speaker(s):George Buchanan, Executive Vice President ­ Business Services Credit Executive,Regions Financial Corporation Douglas Bland, Business Lending Product & Credit Strategy Executive, Bank ofAmerica Corporation Gary Gavegan, Senior Vice President, Frost Bank Moderator: Carolyn Hardin­Levine, Chief Executive Officer, Small BusinessFinancial Exchange

11:20 AM ­ 12:20 PM

Student Lending Forum

Location:Floridian J

Who's Going to College...and What Happens When TheyGraduate?

This session will look at demographic trends for college attendance and success.The session will examine how the typical college student is no longer typical andhow typical outcomes in higher education can vary widely.

Speaker(s):Mark Schneider, President, College Measures Douglas Shapiro, Executive Research Director , National Student Clearinghouse Moderator: Jeffrey Wood, Vice President, Assistant General Counsel, DiscoverFinancial Services, Inc.

12:30 PM ­ 2:20 PM

Location:Floridian A­I

Luncheon and Welcome

Please join us for an introduction and luncheon as we kick­off the second afternoonof General Session presentations.

Speaker(s):Moderator: William H. Howle, Head of the U.S. Retail Bank, Citigroup Inc.

Sponsor(s):Bronze: Black Knight Financial Services

1:15 PM ­ 1:30 PM

General Session

Location:Floridian A­I

CBA: Educating the Next Generation of Retail BankingLeaders

In a vibrant industry where the stakes are always high and the rules change daily, it

is essential for future leaders to fully understand and embrace the complexdynamics of modern consumer banking. CBA's advanced education programsanswer this call as today's graduates become tomorrow's leaders. Join us as wepresent the Tem Wooldridge Award, honoring the top scholar from the class of2014. Named for a retired faculty member whose contributions built a foundation forretail banking's future leaders, this annual award recognizes outstanding academicand leadership performance.

Speaker(s):Michael Allen, Director, In­Bank Training, Consumer Bankers Association Mark Rendulic, Executive Vice President, Retail Banking, First Niagara Bank, N.A.

1:30 PM ­ 2:20 PM

General Session

Location:Floridian A­I

Banking: Live and Let Die

Is this the beginning of the end or the end of the beginning of banking as we knowit? Our financial ecosystem has more players than ever before; and with the rulesconstantly being rewritten, the whole spectrum from community to larger banks isfeeling the impact. Hear these unique perspectives on what it takes to stay in thegame, and if you have to risk extinction before you can rise to the top. Don't missthis no­holds­barred discussion meets debate.

Speaker(s):Thomas Brown, Chief Executive Officer, Second Curve Capital Camden Fine, President and Chief Executive Officer, Independent CommunityBankers of America Rachel Witkowski, Reporter, American Banker Moderator: Richard Hunt, President and Chief Executive Officer, ConsumerBankers Association

Sponsor(s):Premier: Black Knight Financial Services

2:25 PM ­ 3:25 PM

Auto Finance Forum

Location:Bonnet Creek I

Consumers Shift Gears: How Do Banks Grow TheirBusiness in a Self­Service World?

There is a shift in the automotive finance world, driven by a change in consumerbehavior. This change creates opportunities for lenders to increase market share inthe automotive finance sector. Learn how to leverage today's technology andconsumer data to increase market share and deliver the financing experience yourcustomers expect.

Speaker(s):Peter Kidd, Senior Vice President, Consumer Auto Business, Fifth Third Bank Monica Orluk, Director, Sales Engineering, Fiserv

2:25 PM ­ 3:25 PM

CFPB Forum

Location:Bonnet Creek XI

The Supervision System: Understanding the CFPB's Risk­Tiered Approach

Learn details on the CFPB's approach to supervision. From institutional productlines to field market intelligence ratings, get the big picture on the risk­tieredprocess and how it applies to your bank.

Speaker(s):Peggy Twohig, Assistant Director, Office of Supervision Policy, Consumer FinancialProtection Bureau Moderator: Jean Noonan, Partner, Hudson Cook, LLP

2:25 PM ­ 3:25 PM

Community ReinvestmentForum

Location:Floridian L

CRA Rating Downgrades: Could It Happen to You?

Your CRA strategies and tactics are in place and have a positive community impact.You have carefully aggregated and analyzed results, documented responsiveness,and detailed performance context. But are you still at risk of a downgrade?Recently, issues such as fair lending, UDAAP, SCRA, redlining, and others haveled to CRA rating downgrades. A panel of experts from both small and large bankswill discuss recent exam experiences and lessons learned, and will providesuggestions to assist you in preparing for the impact of other bank complianceissues on your CRA rating.

Speaker(s):Reymundo Ocanas, Executive Vice President, Director Corporate Responsibility &Reputation, BBVA Compass Tish Secrest, Senior Vice President, Chief CRA Officer and LMI/CRA Strategy &Analytics Executive, Bank of America, N.A. Elizabeth Trotter, Senior Vice President, CRA Officer, IBERIABANK

2:25 PM ­ 3:25 PM

Default Management Forum

Location:Floridian K

Debating Default: A Conversation with Regulators

Get cutting­edge analysis on how today's regulatory environment will affect thoseinvolved with the default management business. Learn about the most impactfulregulations, including a review of the recent changes and what the future may havein store.

Speaker(s):

Cindy A. Liebes, Regional Director, Southeast Regional Office, Federal TradeCommission Chrisanthy Loizos, Analyst to Deputy Comptroller of Compliance, Office of theComptroller of the Currency Tom Pahl, Managing Counsel, Office of Regulations, Consumer FinancialProtection Bureau Moderator: Tom Fowler, Senior Vice President, Consumer Banking Default GroupLeader, SunTrust Bank

2:25 PM ­ 3:25 PM

Deposits and PaymentsForum

Location:Bonnet Creek XII

Will Silicon Valley Disrupt Retail Payments?

Internet­based providers, Bitcoin companies, alternative payments networks, andmajor technology companies seek to compete with established players. Majortechnology companies, social networking companies and numerous well­financedstartups are making significant investments in consumer capabilities. The threatfactor is higher than it has ever been, but new technology may also presentopportunities to consumer banks. Hear from industry experts about the significanttrends that could influence retail payments.

Speaker(s):Scott Ellison, Senior Director, Corporate Strategy, PayPal Adam Shapiro, Director, Promontory Financial Group

2:25 PM ­ 3:25 PM

Digital Channels Forum

Location:Hamilton/Indian River

How Wealth Management is Serving Consumers' FinancialPlanning Online

Wealth management is becoming the must have product for retail banks seeking anedge over their competition. The next step? Digitalize it. Hear from experts on howwealth management is going online to serve the needs of today's fast pacedconsumers.

Speaker(s):Duncan Banfield, Principal, Banking & Capital Markets, Greenwich Associates David Dusseault, Chief Operating Officer, TradeKing Securities, LLC. Dan Egan, Director of Investing, Betterment, LLC Moderator: Alex Jimenez, Senior Vice President & Director, Digital ChannelManagement, Rockland Trust Company

2:25 PM ­ 3:25 PM

Fair and Responsible The Effect of No Effects Test: The Challenge to Disparate

Banking Forum

Location:Bonnet Creek III

Impact

The application of disparate impact to the fair lending laws has been the subject ofintense debate. The Supreme Court has taken a case that has the potential toeliminate claims of discrimination based on the effects test alone from the FairHousing Act, and the implications for ECOA are also significant. In a lively debateformat, both sides of these issues will be aired. The emphasis will be on the real­world practical implications for compliance management, fair and responsiblebanking practices, and litigation avoidance.

Speaker(s):Stephen M. Dane, Partner, Relman, Dane & Colfax PLLC Paul Hancock, Partner, K & L Gates LLP

2:25 PM ­ 3:25 PM

Home Equity LendingForum

Location:Bonnet Creek II

Sales Model: Face­to­Face or Phone­a­Friend?

Retail banking in today's economy has been tougher than ever. Regulatorycompliance costs are rising with no end in sight, while too­low interest rates keephurting the bottom line. In this environment, many of your peers have revisited theirapproach to the sales model, moving from a decentralized model based on thebranch network to a centralized model using loan specialists housed in creditcenters. Is the centralized sales model the only viable response to the changingbanking landscape, or does serving customers still require face­to­face banking?

Speaker(s):Nancy Brown, Senior Vice President, Consumer Loan Manager, First HorizonNational Corp. Reva Rao, Vice President, Wells Fargo and Company, Inc. Moderator: Brian Milton, Managing Director, Head of Home Equity and CardServices, MUFG Union Bank, N.A.

2:25 PM ­ 3:25 PM

Small Business BankingForum

Location:Bonnet Creek X

Customer Preferences in Small Business: Key Drivers inCustomer Satisfaction

Competition for the small business customer has never been more fierce. Not onlyare banks competing for greater share of this lucrative segment, but threats fromnon­bank competitors are accelerating at an alarming pace. How well do youunderstand your customer and what they are truly looking for from their bank? Whatwill take them from satisfied (but complacent) to highly satisfied and likely torecommend? Hear from experts in small business customer satisfaction along withtestimonials from actual small business customers on what is most important tothem.

Speaker(s):Larry Baily, Principal, Greenwich Associates

2:25 PM ­ 3:25 PM

Student Lending Forum

Location:Floridian J

How Would Changes to the Bankruptcy Code Affect theStudent Loan Market?

President Obama recently announced the Administration is formally studying howstudent loan borrowers are faring under the current bankruptcy code. With totalstudent loan debt approaching $1.3 trillion, is changing the bankruptcy code thebest policy for helping borrowers? Although discharging student loan debt has longbeen permissible, some policymakers and stakeholders have argued the legal testis far too strict to benefit consumers. Others have argued that changing the code willincrease the cost of credit and it is difficult to assess the credit risk even if a policychange is prospective. This session will discuss what the President's proposal maymean for current borrowers, future borrowers, lenders, and taxpayers.

Speaker(s):Benjamin Darnaby, Securitized Products Group , JPMorgan Chase Arthur Rotatori, Partner, McGlinchey Stafford, PLLC Moderator: Harrison Wadsworth, Principal, Washington Partners, LLC

3:25 PM ­ 3:55 PM

Location:Bonnet Creek IV ­ IX

Afternoon Refreshment Break with Exhibitors

Take a break and grab a snack! Peruse the unique offerings at the Beverage Bar orget your shoes shined.

4:00 PM ­ 5:00 PM

Auto Finance Forum

Location:Bonnet Creek I

Turning Auto Loans into Cash: The Growing Trend in AutoLoan Securitization

The explosion in auto sales and the corresponding growth in auto loan balancescan be hard on a bank's balance sheet and income statement. How can you turnauto loans into cash without giving up your customer relationships? Are you lookingfor ways to streamline your balance sheet, improve earnings, raise capital andimprove your liquidity? Securitization may be the answer. Learn from the WallStreet teams who help banks securitize their auto portfolios. Hear from banks in thebusiness about what it takes to make it happen.

Speaker(s):David Alade, Vice President, Asset Finance, Credit Suisse Group Eric Chang, Director, Asset Backed Securities, Barclays Bank PLC Moderator: Michael Drury, Senior Vice President, Consumer Lending, M & T Bank

4:00 PM ­ 5:00 PM

CFPB Forum

Location:Bonnet Creek XI

Leveraging Consumer Complaints

As the CFPB continues its collection of unverified consumer complaints, many seean opportunity to read the complaint tea leaves. This session evaluates the waybanks are analyzing complaint data to predict the CFPB's regulatory focus andactions to come. Banks and industry experts offer insights on leveraging data tohelp protect your business.

Speaker(s):Dorianne Daganhardt, Vice President, Product Marketing and Strategy, BlackKnight Financial Services Jerome Duran, Group Vice President, Client Advocacy Management andOversight, SunTrust Bank Moderator: Tangie Holland, Senior Vice President, Fair and Responsible BankingManager, Regions Bank

4:00 PM ­ 5:00 PM

Community ReinvestmentForum

Location:Floridian L

CBA/AOL Finance Optimism Index: How FinancialOptimism Shapes Consumer Behavior

CBA and AOL have teamed up to create the CBA/AOL Finance Optimism Index tounderstand Americans' level of optimism about their personal finances. The indextracks across four important variables: optimism about personal financial future,worry about current finances, whether news about personal finances has beenpositive, and worry about how the economy and politics affect personal finances.Drilling down in the Index can provide a useful tool for CRA practitioners whenapplied across the geographies within their assessment areas.

Speaker(s):James Matthews, Senior Vice President, CRA Compliance, Capital One FinancialCorporation Matthew Sharp, Associate Director, Consumer Analytics & Research, AOL

4:00 PM ­ 5:00 PM

Default Management Forum

Location:Floridian K

Managing Third Party Vendors in the New RegulatoryWorld

Since the mortgage robo­signing issues were uncovered, both financial institutionsand consumer protection regulatory bodies have placed a significantly higher dutyof care upon the management of vendors that directly impact customers. Thisoutlook has shifted dramatically to an expectation that third party vendors need tobe managed just as closely as internal operations from both a regulatory

compliance and performance standpoint. This session will address the keycomponents of a comprehensive third party vendor management program, asdefined by ongoing regulatory guidance and consent orders.

Speaker(s):Robert DiGennaro, Director of U.S. Practice, Bridgeforce

4:00 PM ­ 5:00 PM

Deposits and PaymentsForum

Location:Bonnet Creek XII

Analytics and Revenue Optimization

What revenue opportunities have you missed? Surely you've had variouscompanies wanting to bend your ear about some opportunity they think you haven'tthought of yet. Why spend hours meeting with different consultants trying to findthose golden nuggets, when this panel discussion will debate the merits of suchideas, discuss how our industry has not leveraged analytics to the extent that itcould, and tell everyone about the things we really need to know to grow ourbusinesses.

Speaker(s):Hank Israel, Managing Director, Novantas, Inc. Kenneth Patrick, Professional Services Senior Vice President, Fiserv Juan Uribe, Principal, The Boston Consulting Group Moderator: Bryan Carson, Senior Vice President, Deposit Product Pricing & FeesDirector, Huntington Bancshares Incorporated

4:00 PM ­ 5:00 PM

Digital Channels Forum

Location:Hamilton/Indian River

P2P ­ A Disruptive Force in Consumer Banking

Consumer bankers have yet to see the full impact of P2P lending. Driven in part bytwo of the five megatrends shaping business technological breakthroughs anddemographic shifts, it's poised to cause a paradigm shift in the industry very soon.Find out how these players are shaking up the marketplace and competing forconsumers like never before.

Speaker(s):Andrew Deringer, Vice President, Head of Financial Institutions Group, LendingClub Roberto Hernandez, Principal, PricewaterhouseCoopers

4:00 PM ­ 5:00 PM

Fair and Responsible Quantifying UDAAP and Preventing Risk to Consumers

Banking Forum

Location:Bonnet Creek III

Participate in an interactive discussion regarding developments in the UK toquantify the conduct risk associated with products and services in order toproactively identify potential sources of customer harm. How do these effortscorrelate to the environment in the U.S.? What are the challenges to quantifyingand modeling UDAAP risk versus other types of risk?

Speaker(s):Robert Alpert, Director, KPMG LLP Lynn Woosley, Senior Vice President, Fair and Responsible Banking ComplianceOfficer, SunTrust Banks, Inc.

4:00 PM ­ 5:00 PM

Home Equity LendingForum

Location:Bonnet Creek II

Expounding on Home Equity: Roundtable Discussions withIndustry Peers

Sit down with industry experts for a detailed discussion of the latest home equitydevelopments. In this roundtable session, you will have the opportunity to learnabout top challenges facing the industry such as end­of­term/end­of­draw,compliance with the RESPA/TILA integrated mortgage disclosures, stimulatingutilization, and optimizing your pricing model. This roundtable environmentengages all forum participants and is an excellent opportunity to learn bestpractices.

4:00 PM ­ 5:00 PM

Small Business BankingForum

Location:Bonnet Creek X

Quick and Easy Nonbank Lending

Are nonbanks filling lending needs that banks are passing on? Is this a missedopportunity to better serve existing clientele and a way to develop future business?Banks are taking note of the many options small business borrowers have intoday's marketplace. Competition for customers is strong and banks need tocapitalize on all possible opportunities. Hear from nonbank lenders about how theyserve the small business market and learn about the possible opportunities bankshave to serve a broader section of business customers.

Speaker(s):Douglas Bland, Business Lending Product & Credit Strategy Executive, Bank ofAmerica Corporation James Hobson, Chief Operating Officer, OnDeck Capital Todd E. Hollander, Managing Director, Business Banking Group Head, MUFGUnion Bank, N.A. Sid Jajodia, Vice President, Small Business, Lending Club Tracy Kellaher, Vice President, Business Development, Biz2Credit Moderator: Ben Hoffman, Partner, Oliver Wyman

4:00 PM ­ 5:00 PM

Student Lending Forum

Location:Floridian J

Politics, Policy, and Student Loans

Despite the fact that the federal government now originates a large majority oftoday's student loans, events in Washington continue to have a major impact on theprivate student loan industry. This session will gather policy experts to discuss whatlies ahead in terms of HEA reauthorization, student loan changes to the Truth inLending Act, and regulatory matters of interest at the CFPB and Department ofEducation. The panel will discuss what last year's Mid­Term elections mean forprivate student loans and how student loans and college costs are likely to remaina campaign issue in 2016 and for years to come.

Speaker(s):Reagan Anderson, Senior Vice President, Congressional Affairs, ConsumerBankers Association Mary Dwyer Pembroke, Director and Senior Counsel, Discover Financial Services,Inc. Harrison Wadsworth, Principal, Washington Partners, LLC Moderator: Michael McFarlane, Senior Vice President, Citizens Financial Group

5:00 PM ­ 6:00 PM

Location:Bonnet Creek IV ­ IX

Cocktail Reception with Exhibitors

Join us in the exhibit hall for the final evening of CBA LIVE. This is your chance toend CBA LIVE on a high note, by networking with your peers and meeting withcurrent and potential suppliers.

Sponsor(s):Platinum: Clarity Services Inc.

Wednesday, March 25, 2015

7:00 AM ­ 8:00 AM

Location:Bonnet Creek Foyer

Continental Breakfast

Before you attend the final sessions of CBA LIVE, be sure to join us for a deliciousbreakfast and hot coffee to jump start your day.

8:00 AM ­ 9:00 AM

Auto Finance Forum

Location:Bonnet Creek I

Deflate Gate: Sinking Prices & Their Implications to YourPortfolio Value

Much like a football losing air, used vehicle values have been forecasted to deflate2­2.5%. Learn from NADA Used Car Guides executive analyst, Jonathan Banks, ashe explains the impact of lease returns on the market, highlights risk concerns, andwhat the drop will mean for your portfolio.

Speaker(s):Jonathan Banks, Senior Director Vehicle Analysis, Analytics, NADA Used CarGuide

8:00 AM ­ 9:00 AM

CFPB Forum

Location:Bonnet Creek XI

Reading the Enforcement Tea Leaves

The CFPB has issued a host of enforcement actions since its inception in 2011,totaling more than $2 billion in restitution and more than $175 million paid to itsCivil Penalty Fund. Join us for a comparison of CFPB enforcement actions byproduct. Learn what alleged practices led to the actions and how you can avoidbeing next on the list.

Speaker(s):Jonathan Eisenberg, Partner, K & L Gates LLP Moderator: Jeffrey Bloch, Vice President, Deputy Director, Regulatory Affairs, U.S.Bank

8:00 AM ­ 9:00 AM

Community ReinvestmentForum

Location:Floridian L

Strategic Plans

Who, Why and How? CRA Strategic Plans allow banks another evaluation optionand promotes community inclusion. Envisioning a desired future and translating itinto defined goals that go beyond the traditional CRA box.

Speaker(s):Jennifer Creger, Senior Regulatory Officer & BSA Officer, Senior Vice President,Crescent Bank & Trust Maricel Quiamjot, CRA & Fair Lending Officer, Toyota Financial Savings Bank Paula Witt, Director, Consumer Finance and Fair Banking, FIS Global Jan E. Woolsey, Managing Director, CRA Strategy and Operations, MUFG UnionBank, N.A.

8:00 AM ­ 9:00 AM

Default Management Forum

Location:Floridian Salon K

Default Management Roundtable Discussion

Participants will discuss topics of interest to the default management industry,including credit bureau reporting, bankruptcy and vendor management. Gain an in­depth understanding of the issues concerning your peers so you can prepare forwhat lies ahead.

8:00 AM ­ 9:00 AM

Deposits and PaymentsForum

Location:Bonnet Creek XII

Pruning the Branch Network

This session will analyze how to successfully reduce your branch network and willoutline key factors required to maintain market share. Presenters will shareexamples of close/consolidate branch situations where banks have ended uplosing more deposits than planned, and will include quantitative scenarios ofsuccesses and failures. Learn what the key success factors are and how to avoidrevenue loss as you evaluate a branch reduction strategy for your bank.

Speaker(s):James McCormick, President, First Manhattan Consulting Group

8:00 AM ­ 9:00 AM

Digital Channels Forum

Location:Hamilton/Indian River

Canary in the Coal Mine: How Bank Branches Avoid theFate of BlockBuster

Despite prior predictions of the demise of branch banking, it never happened. Butnow, significant changes in customer shopping and buying behavior are makingdigital critical to selling new checking accounts, even as branches persist. Brandpreference drives a greater degree of consideration than ever before, yet bankbrands are undifferentiated, and most banks dont know where to start. This sessionwill review empirical data on the new marketing and sales environment for banks,provide case study examples of marketing and sales options that link digital withphysical across banking and other industries, and provide a detailed, actionableroadmap for bank sales and marketing executives to adapt.

Speaker(s):Paul Kadin, Senior Advisor, Novantas, Inc. Kevin Travis, Managing Director, Novantas, Inc.

8:00 AM ­ 9:00 AM

Fair and ResponsibleBanking Forum

The Internet and Mobile Banking ­ What is Your FairLending Risk?

Location:Bonnet Creek III

As the banking industry increases its retail presence online and through mobilechannels, unprecedented access to vast caches of consumer data poses bothopportunities and challenges for banks. This session will explore the fair lendingand reputational risk issues banks should consider before collecting or using thisconsumer data, either directly or through third parties. Learn about customertargeting and selection, banner advertisements and other emerging issues.

Speaker(s):Joseph Barloon, Partner, Skadden, Arps, Slate, Meagher & Flom, LLP Mark Schultz, Senior Director, Fair Lending, Capital One Bank

8:00 AM ­ 9:00 AM

Home Equity LendingForum

Location:Bonnet Creek II

End of Draw: Enhancing Consumer Preparedness

As many HELOCs near the end of draw, banks are trying to understand how to besteducate their customers to avoid any surprises. Join us as we analyze howmacroeconomic factors, credit trends, and end of draw effects have impacted theHELOC market and, in turn, have affected consumers. After laying the groundwork,an esteemed panel will discuss best practices and the measures their banks aretaking to shield consumers from payment shock.

Speaker(s):Edward Kim, Executive Vice President & Manager of Direct Lending, Bank ofHawaii Matthew Potere, Senior Vice President, Home Equity Product Executive, Bank ofAmerica Corporation Michele Raneri, Vice President Experian Consumer Analytics, Experian Lindsay Waiss, Vice President, Consumer Product Management, First NiagaraBank, N.A. Moderator: Kate Larson, Regulatory Counsel, Consumer Bankers Association

8:00 AM ­ 9:00 AM

Small Business BankingForum

Location:Bonnet Creek X

No Stone Unturned: An Examination of Non­Lending SmallBusiness Income Sources

The small business segment offers financial institutions the opportunity to tap into afrequently unrealized source of account growth and net new revenue streams.However in order to maximize its potential, banks need to learn more about theevolving needs and preferences of this customer segment. In this panel discussion,industry experts will provide an examination of payments behavior andopportunities outside of credit income, helping you gain market share in thiscontinually growing segment.

Speaker(s):Patricia Hewitt, Vice President and Managing Director, Mercator Advisory Group William Hippensteel, Chief Content Officer, BAI

8:00 AM ­ 9:00 AM

Student Lending Forum

Location:Floridian J

New Players in the Private Student Loan Market

While the private student loan market is dominated by fewer than a dozen entitiesand balance sheet­based lending, smaller banks, credit unions and entrepreneurialstartups are showing increasing interest. Who is looking to enter the market? Howdo the business models differ? Can the securitization markets support furtherdevelopment of these markets? The leaders of companies trying to scale newmodels and bring new players into the market will answer these questions and offertheir take on private student loans.

Speaker(s):Mark Payne, President & Chief Operating Officer, ReliaMax Scott Patterson, President, Credit Union Student Choice Steven Winnie, President and Chief Operating Officer, Campus Door Inc. Moderator: Paul Wozniak, Chairman, College Loan Corporation

9:05 AM ­ 10:05 AM

Auto Finance Forum

Location:Bonnet Creek I

The Regulatory Landscape for Auto Finance

The CFPB has been actively pursuing regulatory reforms of the automobilefinancing market. The Bureau has been focused on fair lending issues in autolending, particularly the dealer compensation methods used by the industry. Thissession will discuss the issues related the Bureaus disparate impact theory, andupcoming events that could change the calculus. Beyond fair lending, the CFPB willbe proposing a rule to expand its supervisory authority to cover nonbank marketparticipants, thus consolidating its purview over the entire market. This sessiondiscusses the regulatory, supervision and enforcement issues in auto lending bybanks and nonbanks and how the industry is responding.

Speaker(s):Michael Benoit, Partner, Hudson Cook, LLP John Redding, Partner, BuckleySandler LLP Moderator: Tiffany Haas, Vice President, Congressional Affairs, ConsumerBankers Association

9:05 AM ­ 10:05 AM

CFPB Forum

Deposits and PaymentsForum

CFPB Compliance and Innovation: A Roadmap for theFuture of Deposits & Payments

With new rules from the CFPB on the horizon affecting everything from overdraft toprepaid products, financial institutions have much to consider when it comes to

Location:Bonnet Creek XII

deposits and payments products. This interactive panel of industry experts willanswer your questions about how your products and services could be impacted inthe not so distant future.

Speaker(s):Margaret Crockett, Counsel, Goodwin Procter, LLP Maria Earley, Counsel, Sidley Austin LLP Lyn Farrell, Managing Director, Treliant Risk Advisors Moderator: Anthony Baumgardt, Senior Vice President, Customer SolutionsTransactional, Associated Bank N.A.

9:05 AM ­ 10:05 AM

Community ReinvestmentForum

Digital Channels Forum

Location:Floridian L

Branches, Alternative Delivery and the Underserved

With the rise of mobile banking, there is a great opportunity to reach underservedpopulations and improve how current customers access and manage theirfinances. Branches remain an indispensable fixture, but mobile banking andpayments have forever changed the traditional banking landscape. Join us as wediscuss these exciting technologies and hear how regulators are grappling with theevolving environment, focusing on Community Reinvestment Act ratingimplications.

Speaker(s):Addison Hoover, Marketing Director of Branch Transformation, NCR Corporation Sue Whitson, Vice President ­CRA Governance Manager, BMO Harris Bank Joshua Winstead, Vice President, Digital Channel, EverBank

9:05 AM ­ 10:05 AM

Default Management Forum

Location:Floridian K

New World of Debt Collection: CFPB Rulemaking, Examand Enforcement Initiatives

The CFPB is addressing first­party and third­party debt collection on several fronts.In this session, we will discuss the CFPB's pending debt collection rulemaking,highlighting its current status and discussing impacts it may have on the industry.We will then cover CFPB examinations and enforcement investigations involvingdebt collection, emphasizing the issues the CFPB is concentrating on, and how toprepare for an interaction with the agency related to debt collection.

Speaker(s):John McNamara, Program Manager, Debt Collection, Consumer FinancialProtection Bureau Christopher Willis, Partner, Ballard Spahr

9:05 AM ­ 10:05 AM

Fair and ResponsibleBanking Forum

Small Business BankingForum

Location:Bonnet Creek III

Compliance in the Small Business Context: A RegulatoryPerspective

With increasing expectations from regulatory bodies and lines between consumersand small businesses continuing to blur, banks must ensure they are protectingcustomers with appropriate compliance measures while still growing revenues. Inparticular, fair and responsible banking considerations are increasingly evaluatedin the small business space. In this session, we will discuss how small businessbanking can succeed in meeting fair lending, UDAAP, CFPB, Dodd­Frank (1071),and HMDA requirements. Listen as experts explore these topics and analyze howthose in the small business and fair lending space can adapt to the difficultenvironment.

Speaker(s):Matt Scarborough, Chief Executive Officer, Bridgeforce Michelle Macarthy, Director, Bridgeforce

9:05 AM ­ 10:05 AM

Home Equity LendingForum

Location:Bonnet Creek II

What Are Regulators Planning for Home Equity Lenders?

The mortgage market has been fundamentally transformed by a host of regulations.The CFPB poured out Dodd­Frank mandated regulations on ability­to­repay,servicing, and integrated disclosures early on, and the Bureau is still rewritingmortgage lending with the expanded HMDA rulemaking. But what does this allmean for home equity lending? While most of the mortgage reforms have steeredclear of home equity loans and lines of credit, there is no reason to believe this willremain true going forward. In this session, former CFPB policymakers who led thecharge on mortgage reform will provide insights on the regulatory designs for homeequity lenders.

Speaker(s):Brett Kitt, Of Counsel, Greenberg Traurig, LLP David Tallman, Partner, K & L Gates LLP

9:05 AM ­ 10:05 AM

Student Lending Forum

Location:Floridian J

Beyond the Headlines: Data on How Student Loan DebtAffects Consumers

Student loans and student debt can dominate the headlines at times, withprominent critics often claiming extensive problems with federal and private studentloans. Depending on the headline, the $1.2 trillion in outstanding student debt isalleged to adversely impacting home ownership, auto sales, and may even be afactor for depression. This session will review the headlines, but supplement thedaily headlines with hard data and thoughtful insights on the industry.

Speaker(s):Erkan Erturk, Senior Director, Structured Finance Global Research, Standard andPoor's Ratings Services Dan Feshbach, Chief Executive Officer, MeasureOne Daniel Meyers, Chairman, CEO and President, First Marblehead Corporation Moderator: Wes Huffman, Director of Research and Communications, WashingtonPartners, LLC

10:10 AM ­ 10:35 AM

General Session

Location:Floridian A­I

Stop Treating Customers Like Numbers

Your customers might forget what you say, but they will remember how you makethem feel. Today's consumers want to fall in love with their brands of choice, andbanks are no exception. But how does your financial institution move its marketingfrom run­of­the­mill to Romeo? Hear from a panel of retail banking's mostinnovative Chief Marketing Officers and learn how eliciting emotions and touchingconsumers hearts has set their institutions apart.

Speaker(s):Kristin Lemkau, Chief Marketing Officer, JPMorgan Chase Meredith Verdone, Senior Vice President, Enterprise, Consumer and GlobalWealth and Investment Management Marketing Executive, Bank of America, N.A. Vinoo Vijay, Chief Marketing Officer, TD Bank Moderator: Michael Bürgi, Director, Editorial Partnerships, Adweek

10:35 AM ­ 10:55 AM

General Session

Location:Floridian A­I

The Landscape of Moving Money

First phones were mobile and now wallets are too, as consumers demand theirbanks keep pace with the latest technology. Whether it's enhanced protections onphysical cards, tokenization on smart devices, or new P2P services, the landscapeof moving money is undergoing profound change. MasterCard's Tim Murphy willfocus on the digital shift taking place across the payments ecosystem, and howbanks can harness it to deliver safer, more compelling consumer experiences.

Speaker(s):Timothy Murphy, General Counsel and Chief Franchise Officer, MasterCardWorldwide

10:55 AM ­ 11:05 AM

Location:Floridian A­I

The Joe Belew Award

Diamond: Harland Clarke

Diamond: The Boston Consulting Group Diamond: Nomis Solutions, Inc.

Diamond: VantageScore Solutions, LLC Sapphire: Bridgeforce

Platinum: Clarity Services Inc. Platinum: Hudson Cook, LLP

Platinum: Dealertrack Technologies Platinum: FICO

Platinum: Treliant Risk Advisors Gold: Accurate Group

Gold: Earnix Inc. Gold: EZShield Fraud Protection

Gold: First American Title Insurance Company Gold: Kelley Blue Book

Gold: Promontory Financial Group Gold: ReliaMax

Gold: Silanis Technology Inc. Silver: American Title, Inc.

Silver: CGI Technologies and Solutions, Inc. Silver: LexisNexis

Bronze: Ernst & Young LLP Silver: Wolters Kluwer Financial Services

Bronze: Garnet Capital Advisors Bronze: Interactive Intelligence

Bronze: Kiran Analytics, Inc. Bronze: Zoot Enterprises

Bronze: KPMG LLP Bronze: NeuAnalytics

Bronze: State National Companies

Join us for the announcement of CBA's 2015 Joe Belew Award winner. This yearwe honor retail banking's innovative programs that improve financial education.The Joe Belew Award was established in 2011 to honor former CBA President JoeBelew and his two decades of service in banking and community development.

11:05 AM ­ 11:30 AM

Location:Floridian A­I

Keynote: CFPB Deputy Director Steve Antonakes

The Consumer Financial Protection Bureau supervises more entities than all otherfederal bank supervisors combined. Its regulatory agenda and supervisory actionscontinue to evolve. What does it all mean and how will it impact consumers and thebanks who serve them? Join us for a discussion with the CFPB followed by a Q&Awith Richard Hunt.

Speaker(s):Steven Antonakes, Acting Deputy Director , Consumer Financial ProtectionBureau Moderator: Richard Hunt, President and Chief Executive Officer, ConsumerBankers Association

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