January 5, 2010 TOPIC: Credit Card Accountabililty, Responsibility, and Disclosure Act (a/k/a the Credit CARD Act) SPEAKER: Janet Bonnefin, Aldrich and Bonnefin, P.L.C. Presentation Handout

FEBRUARY 1, 2010 TOPIC: Formal Bank Enforcement Actions: A Study of Actions Issued in 2008 and 2009

Volume, asset size, and agency trend Typical and not so typical provisions Challenges in complying with an enforcement action

SPEAKER: Jeanine Catalano, Special Adviser, Promontory Financial Group, LLC Handout: Formal Bank Enforcement Actions

March 1, 2010 TOPIC: "IT'S COMPLICATED: The New Overdraft Rule Under Regulation E" SPEAKER: Ted Teruo Kitada, Senior Company Counsel, Wells Fargo Bank, National Association Regulation E Overdraft Rules What You Need to Know About Overdrafts and Overdraft Fees Chase Overdraft Notice