RISK MANAGEMENT ASSOCIATES

RMA WISCONSIN CHAPTER

NORTHEAST WISCONSIN GROUP

LENDING/CREDIT ISSUES FOR THE NEXT 18 MONTHS

Audioconference & Panel Discussion:

Date:                Thursday, January 17, 2002

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

Location:            Paper Valley Hotel & Conference Center -- Appleton, Wisconsin

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

NE Wisconsin      Mr. Dave Gitter, President – M & I Bank, Appleton

Panelists:            Mr. Gordon Weber, Pres.-Corp. Banking - Associated Banc-Corp

                           Mr. Mike Burch, Pres. – Nat’l Exchange Bank & Trust, Fond du Lac

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:  Seating will be limited to 100 people.  Please return the bottom of this form by January 5, 2002 with payment for the luncheon to:

Sandy Gruber, Risk Management Associates

E4203 Horseshoe Road

Spring Green, WI   53588

Or fax to 608-588-3100

Please call Sandy Gruber at 608.588.3100 or Mickey Noone at 920.729.6900 with questions.