Methodology	8:00 a.m. - 8:45 a.m.
Board Report	9:00 a.m. - 11:30 a.m.
Branch Analysis	11:30 a.m. - 12:00 p.m.
Network Lunch	12:00 p.m. - 1:00 p.m.
Customer Segmentation	1:00 p.m. - 2:00 p.m.
Product Management	2:00 p.m. - 3:00 p.m.

Discussion Topics

Many critical issues face the financial services industry. The CEO Strategies Group workshops will serve as a forum to discuss these and many other topics related to improving performance.

• The Dodd-Frank Act – The signing into law of the Dodd-Frank Act represents the most sweeping financial reform since 1933, and presents many challenges for the financial services industry. Restrictions on debit card interchange income and the creation of the Consumer Financial Protection Agency will negatively impact most financial institutions. Preparing for these and other regulatory changes will be a priority for institutions heading into 2011 and beyond. We will discuss the components of the bill, along with the major implications for financial institutions and what can be done in response.
   

• Life after Opt-in – While the opt-in process for overdraft protection program will continue beyond the Fed mandated July 1/August 15 compliance dates, the challenge for many institutions becomes making up some of the revenue lost. We will discuss what tactics have been successful in getting customers to "opt-in", and also what product line changes might be necessary to help combat declining fee income that may be experienced heading into 2011.
   

• Can Free Checking Survive? – The Dodd-Frank Act and future regulations continue to threaten critical revenue streams for many financial institutions. We have seen many major banks alter their checking product lines in response to changes that have occurred thus far. How should your institution respond to such changes? Can Free Checking offerings survive with diminished non-interest income? If so, how can banks that continue to offer free checking use this opportunity to steal market share?
   

• Overcoming Stagnant Growth - The mindset of the consumer and small business owner has fundamentally changed. Their attitudes towards and expectations of financial service providers has evolved. Consumer loan balances have declined across the entire economy for the past year, an almost unprecedented event. The implication is that growth will require that an institution be more effective in targeting and communication, because growth can only be achieved by stealing market share from other competitors. What are the steps you should be taking now in order to benefit from this fundamental change in behavior? RFG will present how consumers are changing their financial behavior and the implications this has for you in product design, pricing and marketing.
   

• Optimizing Operational Efficiency - Operational efficiency continues to be a pressing topic for institutions facing low margins, high delinquencies, and lower levels of non-interest income. We will discuss the traits and different efficiency models employed by the most highly efficient financial institutions, and how you can apply these lessons to your institution. Through the analytics compiled in the report, we will explore the effectiveness of your people, your branches, and your processes, and identify ways to achieve operational excellence.
   

• How to Attract Gen Y - A new generation is emerging – Gen Y. This generation represents a significant opportunity, but it is tremendously different from previous generations in how it thinks about finances, financial institutions, and money. We will explore your Gen Y customers in depth, looking at their product usage at your institution. What level of relationship do they have with you? How effective are we in cross-selling? What are the preferred channels for service delivery? Equally important, how does marketing need to evolve in order to communicate effectively with this generation? We will explore the evolving strategies in social network marketing and examine approaches that have worked as well as those that have failed.
   

• The Impact of Small Business - Small Business remains a relatively untapped market for many financial institutions, in spite of offering significant opportunities to help stabilize the balance sheet and improve financial performance. Small Businesses are not impacted by most of the new industry regulations and legislation, and therefore can represent an attractive alternative for revenue growth. We will discuss how banks can meet the needs of small business customers, and the impact that this can have on your institution's overall performance.
   

The key element of this part of the program is the audience discussion. High performers are identified and tactics to improve growth and performance are discussed in an open forum. While discussion is voluntary, these sessions tend to result in a high level of interaction among participants and provide new insights, strategies, and tactics that participants are able to implement at their own institutions.