APRIL 6, 2009 SPEAKER: California Commissioner of Financial Institutions, William (“Bill”) Haraf TOPIC: "The State of Banking in California: Conditions and Prospects" • Prospects For The Economy And CA Financial Institutions In Light Of The Current Financial Crisis • The Fundamental Causes Of The Crisis • Assessing The Crisis Response To Date • Lessons Learned

May 4, 2009 SPEAKERS: Robin Harris, Esq. - Assistant United States Attorney; NDCA Senior Litigation Counsel Larry Callaghan, Esq. - Sr. Counsel, Tucker Ellis & West LLP Past Chair-SFBAA And Survivor Of The Civil, Regulatory, And Criminal S&L Related Litigation of the 1980’s TOPIC: “The Past Is Prologue Or Is It? Back To The Future” Lessons from the S&L crisis/meltdown in the 1980’s; Who Is The Client?  Failed and Failing Banks Including the role of Outside and Inside Counsel; Avoiding Conflicts of Interest The Department of Justice: Are They Here To Help Or Hinder? Areas of Particular Interest to the DOJ Including banking related: mortgage, mail & wire fraud 18 USC 1001; Impact On Dealing With Government Enforcement Personnel Including Preparing Officers & Directors For Meetings With Regulators, DOJ Attorneys And The Occasional Grand Jury

JUNE 2, 2008 SPEAKER: Michael C. Flynn, General Deputy General Counsel, U.S. Department of Housing and Urban Development TOPIC: Responding to the Mortgage Crisis: HUD’s Proposed RESPA Rule and Other Federal Responses Michael C. Flynn, General Deputy General Counsel from U.S. Department of Housing and Urban Development. Mr. Flynn will focus on federal responses to the perceived mortgage crisis. Mr. Flynn will discuss HUD’s new proposed RESPA rule and other proposed federal initiatives. Since February 2007, Mr. Flynn has been the General Deputy General Counsel of HUD in Washington, DC. Prior to that time he was Senior Vice President and Senior Counsel at World Savings Bank in Oakland, California and General Litigation Counsel for Chicago Title Insurance Co. in Chicago, Illinois