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|   | AGENDADay 1Thursday, April 7, 2005 |  |
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| 7:30 a.m.  | Registration and Continental Breakfast                                                                                                                                                          |
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| 8:30 a.m.  | Opening Remarks                                                                                                                                                                                 |
| 9:00 a.m.  | Alternative Financial Services, Session 1                                                                                                                                                       |
| 10:15 a.m. | Break                                                                                                                                                                                           |
| 10:30 a.m. | Alternative Financial Services, Session 2                                                                                                                                                       |
| Noon       | Luncheon         Speaker         Eldar Shafir         Professor of Psychology and Public Affairs,          Princeton University |
| 1:45 p.m.  | Consumer Behavior, Session 1                                                                                                                                                                    |
| 3:30 p.m.  | Break                                                                                                                                                                                           |
| 3:45 p.m.  | Consumer Behavior, Session 2                                                                                                                                                                    |
| 5:30 p.m.  | Reception                                                                                                                                                                                       |

| Day 2Friday, April 8, 2005 |
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| 7:30 a.m.  | Continental Breakfast                                                                                                                                                                                                      |
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| 8:00 a.m.  | Opening Remarks                                                                                                                                                                                                            |
| 8:15 a.m.  | New Markets, New Products, New Tools, Session 1                                                                                                                                                                            |
| 10:00 a.m. | Break                                                                                                                                                                                                                      |
| 10:15 a.m. | New Markets, New Products, New Tools, Session 2                                                                                                                                                                            |
| 11:00 a.m. | Break                                                                                                                                                                                                                      |
| 11:45 a.m. | Call to Action                                                                                                                                                                                                             |
| 12:15 p.m. | Break                                                                                                                                                                                                                      |
| 12:30 p.m. | **Luncheon          Speaker**         Alan Greenspan          Chairman, Board of Governors of the       Federal Reserve System,          Washington, D.C. |
| 2:00 p.m.  | **Adjourn**                                                                                                                                                                                                                |

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