. 4:00 p.m. - Pre-registration - Share the camaraderie of renewing old friendships while making new acquaintances as you Pre-register for the seminar and receive your Seminar Information Packet and Name Badge.  Pre-registration also offers you an excellent opportunity for you to meet your Seminar Hosts while familiarizing yourself with the conference room facilities and an opportunity for you to avoid the Monday morning Seminar Registration rush. Cash Bar and Hors d'oeuvres.   5:30 p.m.  Community Network Session - FACING THREATS IN A CHANGING WORLD.  Presented by Mr. Richard "Rich" A. Woldt CCP, CFE, PD.  "This will be a lively discussion of executive protection, hostage negotiations, and kidnap survival.  What's being done at financial institutions to protect you, your family, your boss, your boss's boss and your board? What will you do when a member of your staff or family are taken hostage or kidnaped? What are the odds?" About the Speaker:  Retiring from CUNA Mutual Group after a successful 30-year career teaching Risk Management around the world, Rich Woldt is a leading authority on Risk Management and is the author of many Risk Management articles, brochures, case studies, presentations, white papers, and on-site one-on-one analysis.  Rich's Risk Management principles focus on risks that threaten life, safety or the loss of property such as robbery, terrorism, kidnapping, burglary, fraud, and forgery. "I have been in the financial field for 15 years and learned more about fraud during this seminar than I have ever before." D. W.  -  CORE Credit Union SEMINAR AGENDA Monday, May 19, 2003 - Grand Ballroom 7:30  -  8:00 a.m   On-Site Registration / Continental Breakfast (Daily Event) 8:00  -  11:45     Risk Management - A Method of Management                            Mr. Rich Wold The Arabic Culture - Sorting Out Perceived Threats! Mr. Neil Purtell. Retired F.B.I., Risk Management 007, LLC U.S. Patriot Act - Money Laundering Training you MUST not Ignore! Mr. N. Purtell 11:45  -  1:00 p.m.      Lunch 1:00  -  4:00      Facility Security - It's Not Just for Your Office Anymore! Learn to create a safer work environment using "Crime Prevention through environmental Design" and "Security Integration" principles at home and at the office. Learn what  you can do to leverage security throughout your community. Mr. Rich Woldt                                     Robbers, Terrorists and other Cowards in your Lobby! Learn what to do before, during and after acts of violence. Your safety begins and  ends at home! Includes Trauma Management. Mr. Rich Woldt, Mr. Neil Purtell and Ms. Darlys Lawinger, Customer Response Center Team Leader, Northeast Marketing Division, CUNA Mutual Group Executive Protection, Hostage Negotiations and Kidnap Survival! Mr. Neil Purtell & Mr. Rich Woldt Tuesday, May 20, 2003 - Grand Ballroom 8:00  -   9:45 a.m.  Financial Identity Theft (New Account Fraud, Counterfeit Checks, and  Credit Card Fraud) Ms. A. Foster, Director, Southeast Region, Federal Trade Commission Mr. A Jeffcoat, The Coastal Empire Alliance Against Fraud Enter the world of Financial Identity Fraud (Identity Theft) as we take a very realistic  look at the "Number 1 Consumer Complaint in 2002" and how community business may successfully combat today's highly mobile point-and-click criminals.  includes  New Account / Deposit Account Fraud, Bogus I.D. Cards, Credit Card Fraud, Counterfeit (Versa Checks), and Telephone SCAMS. "Every teller should attend this seminar." A. P.  - First Union Bank, Jacksonville 10:00  -  11:30         eCommerce Mr. Daniel Sciorillo, Senior Information Systems Officer, Division of Supervision & Insurance, National Credit Union Association (NCUA) Journey into today's exciting world of electronic business as you explore various methods to effectively improve your business productivity and the security of on-line  transactions while ensuring voluntary regulatory compliance. 11:45  -  1:00 p.m.      Lunch 1:00  -  2:30 Credit Card Fraud Mr. Buddy Tinnell, Director, VISA U.S.A. Fraud Control Join Buddy during this informative Credit Card Fraud Prevention Presentation as seminar guests explore current card fraud trends and scams of all types, to include "skimming".  This presentation from VISA fraud control will also include an association structure overview and location of merchant & card transaction records.  Excellent handouts,  reference materials, and guides.  2:45  -  4:00 Hostage Rescue Operations Captain L. Branson, Commander, Hostage Negotiations Team Lieutenant Gary Glemboski, Commander, Emergency Response Team, Savannah Police Department Focusing on the safety of hostages, this presentation offers a realistic discussion on the role of how hostages may best enhance their safety as rescue members make  entry during a Hostage Rescue Operation.                         Wednesday, May 21, 2003 - Grand Ballroom 8:00  -  10:00 a.m.             Keynote Speaker - Mr. John J. Byrne, American Bankers Association Merging Risk Management Technologies in Today's Financial World, US Patriot Act, Bank Secrecy Act (BSA), and OFAC. Join John during this informative presentation as he explores today's merging technologies that impact upon financial institutions and community businesses  under the US Patriot Act, to include: Section 326 and the use of  identification at Account-Opening, OFAC and Transaction Screening, SAR issues with Terrorist Financing, and Regulator Oversight with Anti-Money Laundering Issues. 10:15  -  12:00                         Credit Reports - Data Evaluation / OFAC Compliance Program Software Mr. William "Bill" Checks, Equifax Consultant and President ABBA, Inc. Stop New Account Fraud, Credit Card Fraud, Loan Fraud, and other types of fraudulent activity when you join Bill in exploring how to accurately identify, validate, and address suspicious data within Credit Reports. WHO SHOULD ATTEND Banks, Credit Unions, Retail Merchants, Loan / Financial Organizations, Not For Profit Organizations, and Law Enforcement Agencies to include: Auditors, Collection Managers, Branch Managers, Business Owners, Cashiers, Sales Associates, Tellers, Customer Service Officers, Loan Officers, Front End Managers, Loss Prevention Officers, District Managers, and Regional Managers. REGISTRATION FEE The low cost of this seminar is made possible through the generous support of participating agencies, instructors, and speakers.          $ 375.00 when registering on or before April 15, 2003. Register 2 or more guests on or before April 15, 2003 and receive a FREE copy of the 2003 US I.D. Checking Guide. An excellent tool to effectively identify bogus ID Cards, Driver's Licenses, & Credit Cards.          $ 425.00 When registering on or after April 16, 2003.          $ 150.00  Single Day Rate. Georgia Law Enforcement Officers: When registering on or before April 15, 2003, the Seminar Registration Fee shall be waived for all sworn Georgia Law Enforcement Officers (active or reserve) who are currently serving a minimum of 40 hours per week with any Georgia Law Enforcement Agency.  Where the Seminar Registration Fee has been waived for a law enforcement officer, the officer shall be charged and responsible for payment of “Other Costs” of $75.00 to defray the cost of food items (refreshments) and incidental expenses such as their Name Badge and Information Packet. Other cost shall be due and payable at the time for registration.  Georgia Law Enforcement Officer shall be eligible to receive up to 17 Police Officer Standard Training (P.O.S.T.) Credits.          CERTIFICATE OF TRAINING Seminar guests attending no less than 85% of the seminar shall be awarded a distinguished Certificate of Training suitable for framing and for submission to their appropriate authority for the awarding of continuing educational points as may be applicable.    Sworn Georgia Law Enforcement Personnel, attending no less than 85% of the seminar, shall be awarded a Certificate of Training awarded by the Southeast Georgia Police Academy at Armstrong Atlantic State University.

Ms. Jean Delong Regional Manager Fort Stewart Federal Credit Union (912) 354-6420                Ms. Debby Carter Business Development Manager Georgia Heritage Federal Credit Union (912) 238-2720

Ms. Kay Newsome CEO  Savannah Postal Credit Union (912) 691-2087 Dana Lloyd Financial Specialist Wachovia (912) 651-5953 Mr. Ross Howard President / CEO Better Business Bureau - Savannah (912) 354-7523