Audioconference & Panel Discussion:

Date:                Thursday, January 17, 2002

Times:             11:45 a.m. – 2:00 p.m.

Location:        Bankers’ Bank, 7700 Mineral Point Road, Madison, WI   53717

Fee:                  $25.00 – includes lunch – RMA State Chapter Member

                           $30.00 – includes lunch – Non-RMA Member

Audio Conference National Panel of 3 Senior Credit Officers

Madison Panelists:       John Anderson, CPA, CVA, Partner, Virchow Krause & Company

                                    Jerry Ley, Sr. Vice President, Bankers’ Bank

                                    Lee Swanson, Chairman of the Board, State Bank of Cross Plains

Program Objectives: Join us for a presentation by both national and local bankers who will address current key issues and opportunities.  RMA National has assembled three executive officers from high performing community banks to discuss various issues such as commercial real estate market indicators, the impact of current economic conditions on borrowers, and other strategic issues.  The Northeast Wisconsin panelists will address credit and business conditions that are developing here in our market.

Who Will Benefit From This Program:

¦ Chief Executive Officers/Presidents        ¦ Accountants

¦ Business Lenders                                        ¦ Financial Service Providers

¦ Credit Analysts                                              ¦ Loan Review Officers

THE AUDIO CONFERENCE BEGINS AT NOON.

PLEASE BE PROMPT SO THAT WE HAVE EVERYONE SEATED FOR LUNCH PRIOR TO NOON.

RSVP:   Please return the bottom of this form by January 12, 2002 with payment for the luncheon to: