DAY ONE

Registration and continental breakfast open at 8:00 a.m.

Program begins at 8:30 a.m.

Introduction and Overview

Refreshment break

Regulatory Control Models

Lunch

Analytical Methodology

Refreshment break

Fundamental Metrics

Day One concludes at approximately 5:00 p.m.

DAY TWO

Continental breakfast opens at 8:00 a.m.

Program begins at 8:30 a.m.

Expense Analysis

Refreshment break

Capitalization/Financial Strength Ratios

Lunch

Profitability Measures

Cash Flow Tests

Refreshment break

Red Flags

Day Two concludes at approximately 5:00 p.m.