1. Daily Debrief #1, Monday Community A – Betsy Duke & Melissa Kelly

2. Daily Debrief #1, Monday Community B – Brent Vanderheide & Lori Murray

3. Daily Debrief #1, Monday Community C – Allison Gambucci & Bob Underwood

4. Daily Debrief #1, Monday Community D – Mike Allen & Cheryl Foilb

5. Executive Bank School Objectives 5

6. Retail Bank MarketSim Objectives 6

7. Today’s Daily Debrief Objectives 7 Introduce Community Leaders Introduce Community Concept Review what was learned in past two days Introduce and Preview Assignment

8. Daily Debrief Concept Purpose of Community Meetings Role of the Community Instructor Schedule Geography Retail Bank MarketSim Process Deliverables 8

9. Purpose of Daily Debrief Meeting 9 Discuss issues COMMON to our communityReview output and rankings in our communityRemind you of process and deliverables

10. Facilitate and invoke thinking Operate like your CEO by discussing strategy and options Challenge your thinking Take the place of your manual Be decision-makers or teammates Give you an answer Your Instructor Will…Your Instructor Will NOT… Role of Community Instructor 10

11. High Level Schedule 11

12. ScheduleSchedule 12

13. You May Notice that a Rhythm Develops… 13 REMEMBER: You are in a Community with 4 other Banks and a bank that represents “Mono-lines” and National Players Computer simulation used to model your decisions and produce results Team decides who, what, how much, how Lecture on a topic

14. Geography 14 Main Lecture Hall – 101 Johns Hall Community Room – Here! Team Rooms

15. Team Room 15 What is it? How to use it? Why? Wireless Access Visuals Start with your StrengthsFinder results

16. Community A Team A1 – JH 101 Team A2 – JH 107 Team A3 – JH 201 Team A4 – JH 208 Team A5 - JH 212 Team Room Assignments 16

17. Community B Team B1 – JH 105 Team B2 – JH 111-1 Team B3 – FH 204 Team B4 – FH 207 Team B5 – FH 208 Team Room Assignments 17

18. Community C Team C1 – FH 109 Team C2 – FH 110 Team C3 – FH 111 Team C4 – FH 226 Team C5 - FH 227 Team Room Assignments 18

19. Community D Team D1 – FH 128 Team D2 – FH 127 Team D3 – FH 126 Team D4 – FH 229 Team D5 – FH 209 Team Room Assignments 19

20. 20 AnalyzePlanForecastExecuteReview Retail Bank MarketSim Process Flow Your Process

21. 21 AnalyzePlanForecastExecuteReview Worksheets Reports Decision Inputs Retail Bank MarketSim Process Flow

22. Your Process 22 AnalyzePlanForecastExecuteReview Retail Bank MarketSim Process Flow

23. Retail Bank MarketSim Web Portal 23 www.sim1.retailbankmarketsim.com

24. Next Steps Review materials in “Getting Started” Discuss the financials for your bank in “Results” In “Decisions”, in the “Chief Retail Officer” Section in “Forecasting & Planning” complete the tiles labeled: o Retail Bank Condition Consensus o Management Direction Consensus o MarketSim Strategic Planning o Risk Assessment of Direction Analysis o BSI Analysis Select Officer Roles You have 60 minutes today and 90 minutes tomorrow to complete the above Be prepared to present your work to your community leaders tomorrow around 9:30 am in your Team Room 24

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31. Retail Bank Condition Consensus Focus on Retail Bank Start Point Reports Agree on Overall Condition Hint: Banking is a team sport Discuss as a team what they do well…could be short discussion…and list these as strengths Discuss as a team what they do poorly and list these as weaknesses Complete the Bank Condition Consensus Worksheet 31

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34. MarketSim Strategic Planning Only complete the following sections of this worksheet: o List in order those segments that are most attractive to you and why. o Strategy Overlap - What do you think the other banks in your community will do? o Mission Statement This worksheet will help guide your first three decisions 34

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39. Management Direction Consensus As a TEAM agree on critical steps to lever strengths and improve weaknesses. Should be at a fairly high level. Think elements in the Balanced Scorecard Index. Complete the Management Direction Consensus Worksheet. 39

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42. Risk Assessment of Direction Consensus For each item listed on you Management Direction Consensus Worksheet answer the questions listed on Risk Assessment of Direction Analysis Worksheet o What is the impact to Capital? o What is the impact to Asset Quality? o What is the impact to Earnings? o What will the impact be to Liquidity? o Discuss sensitivities to Market Risk? 42

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46. BSI Analysis Current performance isn’t very useful at this point – you’re tied for FIRST! Based on your overall strategy, rank the 14 BSI elements from most important to least (1 for most 14 for least). List the key Levers and Decisions that you’ll use to most impact your top 5 BSI measures 46

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50. Descriptions are in the MarketSim Overview in the Getting Started section Select Officer Roles 50

51. The Roles are: Chief Retail Officer Chief Financial Officer Marketing Officer Product Officer – Deposits Product Officer – All Other Delivery Officer

52. Best Practices When beginning your analysis start at the top, Balance Sheet & Income Statement Use your room’s computers and projection equipment Designate an official input person. The last to “save” any individual page is what the simulation will read As with any software – SAVE as you go! As with most internet connections you will time out – Save as you go! 52

53. What’s Next? 53

54. So what am I supposed to do now? Review materials in “Getting Started” Discuss the financials for your bank in “Results” In “Decisions”, in the “Chief Retail Officer” Section in “Forecasting & Planning” complete the tiles labeled: o Retail Bank Condition Consensus o Management Direction Consensus o MarketSim Strategic Planning o Risk Assessment of Direction Analysis o BSI Analysis Select Officer Roles You have 60 minutes today and 90 minutes tomorrow to complete the above Be prepared to present your work to your community leaders tomorrow around 9:30 am in your Team Room 54

55. Have Fun! 55