chapter leaders
Transcription
chapter leaders
JOIN. ENGAGE. LEAD. THE RISK MANAGEMENT ASSOCIATION JUNE 23–24, 2016 Registration & Reception, June 22 JW MARRIOTT INDIANAPOLIS CHAPTER LEADERS XL CONFERENCE INDIANAPOLIS, INDIANA 2 016 E n t e r p r i s e R i s k • C re d i t R i s k • M a r k e t R i s k • O p e r a t i o n a l R i s k • R e g u l a t o r y C o m p l i a n c e • S e c u r i t i e s L e n d i n g DEAR FELLOW RMA Chapter Leaders , As a long-time RMA Chapter Board member and an avid fan of the NFL (go Vikings!), I can’t help but notice that the RMA chapter calendar and the NFL calendar have a lot in common. Each fall, NFL teams kick off their seasons after an off-season break that includes coaching changes, roster moves, and strategizing for the upcoming season. In a similar way, RMA chapters also kick off their “season” in the fall after a summer break that includes board transition and vital planning for the year ahead. Just as NFL teams need coaching, talent, and hard work to carry out their game plans for each week, your chapter board works together to execute your plans for each event and the year as a whole. And whether or not your chapter has a “Super Bowl” or some other signature event, at the end of the season, you will have a chance to take a break, draft new talent, and look back at what went well to determine needed improvements or other changes so your chapter can continue serving the members in your area. In running a successful NFL team, one of the most critical times of the year is during the off-season league meetings, when teams have a chance to meet with executives and coaches from other teams and spend time with people from league headquarters. For the RMA chapter boards, this time is the Chapter Leaders Conference (CLC), and on behalf of the 2015–2016 CLC Steering Committee, I invite you, as a chapter board member, to join us in Indianapolis in June. Just as you started your RMA “season” last fall, our Steering Committee has been working since last fall to organize a conference that will provide valuable tools, current best practices, and key connections to other chapter leaders and RMA staff. Whether your chapter is struggling to gain momentum or whether you’re already at the top of your game, the CLC can help your board become more effective and provide tools for continuing success. From one chapter leader to another, please attend this time of collaboration, personal development, and fun. In the spirit of David Letterman, an Indianapolis native—here are our reasons to attend the 2016 Chapter Leaders Conference. 10. 9. Strategize with other chapter leaders on ways to successfully recruit new members. 8. eceive tips on running an effective R planning meeting. 7. iscover how other chapters add D value to their membership, and share your best ideas. 6. L earn how to start an affinity group. 5. Find out about RMA’s new student initiative and how you can get involved. 4. enerate creative programming G ideas for your chapter. 3. Enjoy terrific keynote speakers. 2. eet and network with other M chapter leaders from across the U.S. and Canada. 1. uild your own personal B leadership skills. See you in Indianapolis! Mark P. Jensen, CRC, Chair 2016 Chapter Leaders Conference Steering Committe Visit Indianapolis: See the Indianapolis Motor Speedway and other unique area attractions. THINGS TO DO IN INDY: • Listen to live music at the Slippery Noodle. • Cry over your meal at St. Elmo Steak House while enjoying their legendary spicy shrimp cocktail. • Bring your running shoes and jog or stroll down the Indianapolis Cultural Trail—you can hop on just behind the hotel. • Rent a Segway or have a picnic at the White River State Park. • Visit the Indianapolis Motor Speedway—Home of the Indy 500. While at the Speedway, visit the Hall of Fame Museum. • Enjoy some culture at the Eiteljorg Museum of American Indian and Western Art. • Take a stroll down to Monument Circle and see the Soldier and Sailors War Memorial. • Visit the animals of Indy at the Indianapolis Zoo. • Shop at the Circle Center Mall. • History buffs will enjoy a visit to the Indianapolis World War Memorial. Additional Indianapolis Tourist Information can be found at www.visitindy.com JOIN. ENGAGE. LEAD. FEATURED SPEAKERS AGNUS J. TOL Women’s College Basketball Head Coach BB&T Bank Chair, RMA Board of Directors BERENATO In an ever-challenging world where problems can be opportunities, life is examined through love, integrity, faith, and enthusiasm. Everyone feels pressured for time, wealth, and meaningful relationships, and Agnus attacks this hectic pace in a meaningful and insightful way. Who says you can’t have it all? Not Agnus Berenato. After 17 years coaching the Women’s Basketball team at Georgia Tech, this highly energized mother of five accepted the head coaching position at the University of Pittsburgh, a team with the all-time worst record in the Big East Conference. In just five years, she took the Panthers to the Sweet Sixteen of the NCAA Tournament, and repeated the feat the following year. So far, her own children still don’t need therapy. “Life and How to Survive It” will be a humorous, chaotic, and inspirational story that shows how Agnus Berenato, a woman with uncompromising family values, balanced her career, volunteerism, husband, kids, and nine siblings. Extraordinarily aspiring, Agnus put herself through high school and college, got married, and had five children (without ever taking a maternity leave) and became the winningest coach at Pitt, only recently to be surpassed at Georgia Tech, and still found time to visit our troops in Afghanistan and complete a medical mission in Vietnam. “Life and How to Survive It” will keep things in perspective and allow you not to take yourself too seriously! Agnus will inspire you to break down unrealistic expectations in your professional world by choosing unconventional solutions to solve daily dilemmas. BROOME JR., CRC J. Tol Broome, Jr. began his banking career with BB&T in Wilson, NC in 1983 after receiving a B.S. in Business Administration from the University of North Carolina. Past positions held with BB&T have included Financial Analyst, Leadership Development Program Manager, Business Services Officer, Regional Loan Administrator, Senior Loan Administrator, Commercial Finance President, Specialized Lending Group Manager and Chief Commercial Credit Officer and Director of Regional Corporate Banking. Broome currently is President of BB&T Mortgage in Greensboro, NC. The residential mortgage business at BB&T is one of the 15 largest in the U.S. with total loans in excess of $30 billion, a servicing book that exceeds $120 billion and over 2,200 associates. He also is a member of the Bank’s Senior Leadership Team and is on the Board of BB&T Insurance. Broome has been active in the Risk Management Association for over 20 years and holds the Credit Risk Certified designation. He currently serves as Chairman of RMA. Past positions include President of the Carolinas Virginias Chapter, President of the Triad Chapter, Chair of the Chapters and Membership Council, Credit Risk Council member, Board member and Vice Chair. Broome has twice won First Place in the RMA Journalistic Excellent awards (including in 2009 for Expensive Tuition: Lessons Learned from the Credit Crisis), an annual recognition for the top articles published in The RMA Journal. He is married to Pam and has three children and one son-in-law. WILLIAM F. KAREN President and CEO The Risk Management Association TD Bank Chair, RMA Chapters & Membership Council GITHENS, CRC BJELLAND, CRC Githens is president and chief executive officer of The Risk Management Association. He became the eighth CEO in RMA’s history on January 26, 2010. In this capacity, he is responsible for developing and implementing the strategic direction as well as providing oversight for overall operations of the association. Bjelland is vice president of commercial banking for TD Bank, N.A. A 30-year banking industry veteran, Bjelland previously was a regional senior loan administrator for First Citizens Bank. She also served as a commercial lender with Bremer Bank and with First Bank System (now U.S. Bancorp) prior to joining TD Bank. Githens joined RMA in 1997. Prior to his appointment as president and CEO, he was responsible for establishing and organizing the Member Relations functions to serve all of RMA’s members globally, including community banks, large banks, global banks, and the 120-chapter network. Githens also directed enterprise risk management and credit risk initiatives as well as the marketing activities for the Association. He was actively involved with the regulatory agencies and interacted frequently with chief risk officers, chief credit officers, and other risk professionals in the financial services industry. Bjelland is a member of the RMA Board of Directors and has served as the Chapters and Membership Council Chair for the last six years. She is a past president of both the CarolinasVirginias Chapter and the Upper South Carolina Chapter and has served in several other board positions for both chapters. Prior to joining RMA, he was employed for more than 25 years in various leadership roles in financial services. He served as senior vice president of member relations for Visa USA, was president and CEO of SynapQuest Inc., a subsidiary of CoreStates Financial Corporation, and managed various credit and noncredit functions in CoreStates and its predecessor institution, First Pennsylvania Bank, where he started his career in banking. XL JOIN. ENGAGE. LEAD. CONFERENCE 2:00 p.m. – 5:30 p.m. REGISTRATION 5:30 p.m. – 8:00 p.m. REGISTRATION CLOSED Please enjoy dinner on your own. 8:00 p.m. – 9:30 p.m. MEET AND GREET DESSERT RECEPTION Sponsored by PayNet Join us for desserts, beverages, and networking. Registration will be available. THURSDAY, JUNE 23, 2016 WEDNESDAY, JUNE 22, 2016 SCHEDULE 7:30 a.m. BREAKFAST AND REGISTRATION Pick up your RMA conference materials. Council and committee members will be available to answer any questions you have. 8:15 a.m. OPENING SESSION Introductions/Welcome – Lisa McBride, CRC, Director, Member Relations – Chapters & Community Banks Opening speakers: Bill Githens, CRC, President & CEO, RMA J. Tol Broome Jr., CRC, BB&T Bank Keynote speaker: Agnus Berenato, “Life & How to Survive It” 10:00 a.m. – 5:00 p.m. SESSIONS FOR THE DAY INCLUDE: Regional Ice Breaker PayNet, Inc. is the leading provider of credit ratings on small businesses, enabling lenders to achieve optimal risk management, growth and operational efficiencies. We serve as trusted, strategic advisors to banks and commercial finance institutions. Our data analytics provides these C&I lenders accurate, exclusive credit insights derived from our proprietary database, the largest database of small business loans, leases, and lines of credit in existence. Our database encompasses over 23 million contracts and more than $1.3 trillion in obligations. For more information please visit our website at paynetonline.com Education Session Strong education programs are essential for a successful chapter. Discover ways to raise brand awareness and membership value through great educational offerings. Hear from your peers about what programs they have tried and their formula for success. Luncheon Academic Program Panel Hear a panel of chapter representatives discuss ways your chapter can engage students and learn about successful chapter events. MEMBERSHIP SESSION (CHOOSE ONE) Membership Basics Not sure who qualifies as a Professional or Associate member or what their benefits are? What about Student memberships? Attend this session to learn the main types of membership and their benefits. Advanced Membership The advanced membership session will take membership a step further by sharing ideas of how you can attract/market new members, increase attendance at events, how to increase involvement and use/maximize your membership benefits, how to get upper level management on board, and how to overcome membership objections. This session is for those who are already well versed in the basics of membership and are looking for additional tips and tools on ways they can enhance their chapter’s membership. Share programming ideas with your peers from other chapters. YOUNG PROFESSIONALS SESSION PEER ROUND TABLE Share best practices with those in a similar board position. 6:30 p.m. – 9:00 p.m. OPENING RECEPTION Friday, June 24, 2016 PROGRAMMING ROUND TABLES 7:30 a.m. CONFERENCE BREAKFAST Get together with your chapter for breakfast and work on the chapter planning guide. 8:00 a.m. – 12:00 p.m. SESSIONS FOR THE DAY INCLUDE: Tip Sheet Sessions (Sessions held twice.) Choose one: • Social Media – Tips and Best Practices • Sponsorships • How to Hire a Chapter Administrator • Fantastic Boards and Where to Find Them • Strategic Budgeting: Aligning Budgets with Planning • Help! My Chapter is Struggling BOARD DEVELOPMENT SESSION (CHOOSE ONE) Building Your Chapter Board This session will explore the process of finding and recruiting new board members and ways to strengthen your existing board. We will focus on topics such as sources available to find new board members, making your board diverse, communicating benefits of chapter board involvement, and ways to vet new board members. We will also discuss ideas around strengthening your existing board. Participants are expected to attend all sessions and stay until the end of the conference. Please remember to bring your conference booklet to each session. You will be asked to make selections for the membership and board development sessions on the registration form. You will be assigned to the session you have preselected. Retaining Good Board Members An effective board should include active members of the RMA institutions in the chapters’ footprint. Once your chapter has effective board members, it is essential to retain them! This session will share ideas on how to ensure that these effective board members continue their vested interest in your RMA chapter. REGIONAL WRAP-UP CLOSING SESSION Closing speaker: Karen Bjelland, CRC: “Top Ten Reasons to Join, Engage, and Lead” 12:00 p.m. Lunch will be provided for conference participants JOIN. ENGAGE. LEAD. GENERAL INFORMATION This is an RMA members-only event. RMA pays for registration and hotel room and tax (Wednesday and Thursday nights) for up to three leaders* per chapter based on eligibility. CONFERENCE REGISTRATION ELIGIBILITY REQUIREMENTS FOR 2016 CLC • You must be a board member for FY 2016–2017. • You must be a member of RMA. • You must not have attended the conference three or more times in the past. *Exceptions: • RMA will cover a fourth registration and hotel room and tax (Wednesday and Thursday nights) for chapters who send a Young Professional committee member. (All YP committee members will be assigned to YP sessions at the conference.) • Additional chapter board members (over three/four) and those who have attended three or more conferences – $295.00 registration fee, plus hotel expenses. You will be responsible for any additional hotel rooms needed, extra nights, upgraded accommodations, and room charges before or after the conference, plus all incidental charges incurred for each night. Please note: Although you will be asked to guarantee your reservation with a credit card, the room and tax charges for Wednesday and Thursday nights will be put on RMA’s master account. Your card will not be charged unless you 1) don’t show up, 2) stay additional nights before Wednesday or after Thursday, 3) book more than one room in your name or upgrade your room, or 4) charge incidentals (meals, movies, mini-bar, laundry, etc.) to your room. Check with your local chapter for expenses it may cover. Conference registration deadline is May 19, 2016. If you meet the eligibility requirements, your registration if free. RMA pays for your hotel room and tax (please review eligibility rules) for the nights of Wednesday, June 22 and Thursday, June 23 only. (You must be an RMA Associate or Professional member to attend.) If you would like to send additional chapter officers, the cost is $295.00 per individual, plus travel and hotel room expenses. Please contact your Regional Manager if you have any questions. There is a charge of $125.00 for each spouse/guest (over 12 years of age) attending. This all-inclusive charge covers: • Attendance at the Meet and Greet Dessert Reception on Wednesday. • Attendance at opening reception on Thursday. •Conference breakfast provided on Friday. BADGES AND ADMITTANCE Badges must be worn for admittance to all conference functions, including all social events. WEATHER/RECOMMENDED DRESS QUESTIONS Contact RMA Customer Care at 800-677-7621 if you have any questions. AIRLINE/TRANSPORTATION Indianapolis International Airport Distance from hotel: 14 miles. Drive time: 20 minutes Taxi: Approx. $40.00 one way RMA invests over $300,000 in the Chapter Leaders Conference to ensure that you are given the best tools and resources to be successful. We ask that you make the investment pay off by attending and participating in the entire conference. Conference attire is business casual. Because people’s personal temperature preferences differ and the air conditioning may be on high in the hotel, we suggest bringing a light sweater or blazer to the business sessions so that you are prepared for variances in room temperature. For specific temperatures we suggest checking www.weather.com before traveling. CONFERENCE HOTEL JW Marriott Indianapolis 10 S. West Street Indianapolis, Indiana 317-860-5800 www.jwindy.com Please be sure to book your own hotel room. RMA does not make room reservations for you. Considered the crown jewel of Marriott Place Indianapolis, the JW Marriott Indianapolis Downtown is a landmark amid the five Marriott hotels connected to the Indiana Convention Center. Our luxury hotel in Downtown Indianapolis soars 33 stories above the city and boasts one of the largest Marriott ballrooms in the world, offering more than 103,000 sq. ft. of meeting, banquet, and exhibit space, as well as two fullservice restaurants. The JW Marriott Indianapolis Downtown is adjacent to the convention center, just steps from White River State Park, the Indianapolis Zoo, and many museums; its location is unparalleled. The hotel is in the heart of worldclass shopping and dining, near the State Capitol, Lucas Oil Stadium, and Bankers Life Fieldhouse. Guest rooms feature Marriott’s signature REVIVE® bedding, 40” LCD highdefinition TVs, marble vanities, plush towels, and breathtaking views of a gorgeous art-filled plaza. Come relax and unwind at the JW Marriott Indianapolis, one of the largest JW Marriott hotels in the United States. HOTEL RESERVATIONS Hotel reservation deadline is May 19, 2016. Hotel reservations are your responsibility. Please make reservations directly with the JW Marriott Indianapolis by May 19, 2016. Call 800-228-9290 and request a room under the RMA Chapter Leaders Conference block or use the reservation link (https://aws.passkey.com/event/14456334/owner/1487628/home). • RMA pays for a standard hotel room and tax (for up to three or four leaders [see eligibility rules on previous page] from each chapter) only for the nights of Wednesday, June 22 and Thursday, June 23. Extra nights and upgraded accommodations are not covered by RMA. • Our group rate at the JW Marriott Indianapolis is $179.00 single/double, plus tax. This rate is valid three days before and after the conference, based on room availability. • The RMA room block is for conference participants only. (If a second room is needed, for family and guests, please do not book under the RMA block.) • Space is limited, so please make your reservations early. RMA’s cutoff date is May 19, however, our block could sell out before that date. • Hotel reservations must be made by May 19 in order to ensure room and rate availability. RMA cannot guarantee rooms or rates after May 19 (or if the block sells out before May 19). If you book after May 19 and the rate is higher, RMA will pay only $179.00 plus tax and fees of this cost (Thursday and Friday nights only). You can also access the RMA Chapter Leaders Conference hotel reservation link by scanning this code with a QR Reader app. • Should you need to make changes to, or cancel your reservation, please contact the JW Marriott Indianapolis directly. Any changes or cancellations with the hotel are your responsibility. JOIN. ENGAGE. LEAD. CHAPTER EXCELLENCE AWARDS The RMA Chapter Excellence Award allows chapters to highlight a chapter activity in one of four categories: Membership Programming/Educational Events Communications Community Involvement Academic Involvement Submissions will be accepted April 1, 2016 through April 30, 2016. All submissions will be reviewed and all 2015–2016 chapter board members will vote on the top three in each category to determine the winners. Winners will be announced and all finalists will be recognized at the conference. XL GO GREEN WITH RMA RMA’s commitment to identifying, assessing, and managing the impact of risk extends to taking the steps necessary to decrease our impact on the environment. Because RMA is an environmentally friendly association, we offer electronic access to the Chapter Leaders Conference information and session materials. The conference brochure and registration confirmation materials will be emailed to you. We will distribute a conference booklet on site, but will be reducing the materials enclosed. Any additional materials will be available on our website, rmahq.org, prior to the conference (you will receive instructions on how to access these materials). We greatly appreciate your support. 2015–16 CHAPTERS & MEMBERSHIP COUNCIL 2016 LEADERS CONFERENCE STEERING COMMITTEE Karen E. Bjelland, CRC, Council Chair Carolinas-Virginias and Upper South Carolina Chapters, Spartanburg, SC Mark P. Jensen, CRC, Conference Chair North Central Chapter, West Fargo, ND Deborah J. Blanc Vermont, Hanover, NH Karen E. Bjelland, C&M Council Chair Carolinas-Virginias and Upper South Carolina Chapters, Spartanburg, SC Matt Bryant Texas Chapter, San Antonio, TX Karen D. Davidson Central Arkansas and Mid-South Chapters, Texarkana, AR Mark L. Buchek Pittsburgh Chapter, Pittsburgh, PA John R. Frierson Atlanta Chapter, Atlanta, GA Matthew E. Cheek Richmond and Carolinas-Virginias Chapters, Richmond, VA Michael J. Gallagher New England Chapter, Lowell, MA Brian W. Jones Southern New Jersey Chapter, Elmer, NJ Denise P. Geers West Michigan Chapter, Grand Rapids, MI David Marks Central Arkansas and Mid-South Chapters, North Little Rock, AR Kelly Graham Gulf Coast Chapter, Houston, TX Julie B. Nosser, CRC New Orleans and Mid-South Chapters, New Orleans, LA Leah Hughes East Central PA, Souderton, PA Shelle Pack East Cascades Chapter, Bend, OR Cory Jakobson Idaho Chapter, Boise, ID Bert Purdy, CPA St. Louis Chapter, Saint Louis, MO Blaine J. Morrison, CRC Florida Chapter, Tampa, FL Ronald A. Stoffers Los Angeles Chapter, Los Angeles, CA Deborah A. Ramsey Rocky Mountain Chapter, Denver, CO Carla J. Valenti St. Louis Chapter, Clayton, MO Victoria E. Scolaro Long Island Chapter, Melville, NY Jennifer E. Welch Triad and Carolinas-Virginias Chapters, Greensboro, NC Ben Weber Eastern Iowa Chapter, Cedar Rapids, IA Mark P. Jensen, CRC, Conference Chair North Central Chapter, West Fargo, ND Corinne M. Santos, Young Professionals Committee Chair Central Valley Chapter, Modesto, CA RMA STAFF William F. Githens, CRC, President & CEO Lisa McBride, CRC, Director, Member Relations – Chapters & Community Banks 215-446-4056, [email protected] Jamie Jones, Central Region 615-750-3455, [email protected] Cindee Munro, Southern Region 623-266-2344, [email protected] Sandy Sutermaster, Northeast Region 412-787-5625, [email protected] Kelly Carr, Western Region 619-272-0626, [email protected] Laura W. Ridner, CRC, Southeast Region 843-225-4690, [email protected] JOIN. ENGAGE. LEAD. 2016 Chapter Leaders Conference Registration Form (Conference registration deadline is May 19, 2016) Please complete this form or complete our online registration form at http://www.rmahq.org/clcregistration Yes, I will attend the Chapter Leaders Conference. (Please check one box below.) o I qualify under the eligibility rules. (Two nights hotel & registration covered by RMA.) (161101-16) o I do not qualify under the eligibility rules for comped registration and will pay the $295 registration fee. (161101A) o Yes, my spouse/guest will accompany me.* (161101B) o Yes, my child/children (over 12 years of age *) will attend. (161101C) Number of children ______ Ages____________. * There is an all-inclusive charge of $125 per guest (over 12 years of age). o Number of children (under 12 years of age) who will attend: ________ (161101D) BREAKOUT SESSION Please register in advance for the breakout sessions you would like to attend. Thursday, June 23, 2016 Membership Session (choose one) Friday, June 24, 2016 Board Development Session (choose one) o Membership Basics (161101E) o Building Your Chapter Board (161101G) o Advanced Membership (161101F) o Retaining Your Board (161101H) Registrant Information: o Mr. o Mrs. o Ms. First name: ______________________ M.I.: ___ Last name: _______________________________________ Nickname (for badge):______________________Chapter:_________________________ (Must be an RMA Associate or Professional member to attend.) Institution title:________________________________________________________________________________________________________ Spouse/guests (over 18 yrs of age) name(s) for badge(s): _____________________________________________________________________ _______________________________________________________________________________________________________________________ (Badges are necessary to attend all social functions.) Institution: ______________________________________________________________________________________________________________ Mailing address: _________________________________________________________________________________________________________ City: _________________________________________________________ State/province: _________________________________________ Zip/postal Code: __________________________________________________ Country: _______________________________________________ Phone: ___________________________________________________________ Fax: _________________________________________________ Email Address: ___________________________________________________________________________________________________________ Our goal is to become your most convenient source for risk-related information services and products that are most relevant to you. If you do not wish to receive such information, please check the appropriate box(es): o Not via email o Not via fax. You may also call 800-677-7621, send an email to registrar@ rmahq.org, or visit www.rmahq.org. Please note: RMA does NOT share with third parties any personally identifiable information you may provide us. This section must be filled out in order to process your registration. Chapter title/office you will hold in 2016–2017: o Incoming President o Vice President o Education o Membership o Communications o Young Professionals o Secretary o Treasurer o Programming Is this your first time attending an RMA Chapter Leaders Conference? __________________________________________________________ Be sure to book your own hotel room. RMA does not make room reservations for you. Cancellation Policy Full refunds will be available on all cancellations mailed or faxed to the registrar up to 15 working days prior to the start of the event. Registrations cancelled 6–14 working days prior to the event are subject to a service fee equal to 50% of the registration fee. Registrants who cancel reservations 5 or fewer working days prior to the event will forfeit the entire fee. Registrants failing to attend the event—no-shows—will not be eligible for refunds. Attention Non-U.S. Customers: If you cancel your registration with RMA and are due a refund, any foreign exchange differential between your initial payment and the refund is your responsibility. Register 4 Ways: Phone: 800-677-7621 | Fax: 215-446-4100 | Mail: RMA, Lbx 1140 P.O. Box 8500 Philadelphia, PA 19178-1140 Online: http://www.rmahq.org/clcregistration Payment Information: (Only needed if bringing a guest over 12 years of age.) o Check enclosed o VISA o Master Card o AMEX o Diners Club o Discover Credit Card number: ___________________________________________ Expiration Date: _________________________________________ Signature: ____________________________________________________________________________________________________________ I understand that my signature allows The Risk Management Association to charge my credit card for this purchase.