2009 Annual Convention Speaker Bios...

Mitchell C. Atkins is the District Director of NASD's District Office in Boca Raton, FL. He previously served as the Associate Director in charge of the Long Island, NY District Office of NASD, Supervisor of Examiners in the NASD New Orleans District Office and as a Staff Examiner, investigating a wide range of member firm activities. He has been actively involved in a number of NASD national regulatory initiatives focusing on electronic trading, mutual funds and variable products and public finance. Mr. Atkins has been involved in numerous variable insurance product initiatives including the NASD's variable insurance product sweep examinations and the development of the joint NASD/SEC White Paper on Variable Insurance Products.

Mr. Atkins is designated as a Certified Regulatory and Compliance Professional through the NASD Institute at Wharton. He received his BS degree in Business Administration with concentration in the fields of Finance and Accounting from Louisiana State University.

Richard Brueckner is Chairman and CEO for Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation. Mr. Brueckner is also a Senior EVP of The Bank of New York Mellon Corporation and a member of the Executive Committee. He joined The Bank of New York in May 2003, when the company acquired Pershing from Credit Suisse First Boston (CSFB). He served as CEO of Pershing, and as a member of the CSFB Executive Board. Mr. Brueckner joined DLJ in 1978 and served as Treasurer of DLJ and Chief Financial Officer of Pershing, where he has held a variety of senior management positions in administration, finance, marketing, and operations. Prior to that, he was a member of the management group of the Investment Services Department of KPMG Peat Marwick.

Mr. Brueckner currently serves as the Lead Governor on the Board of Governors of the Financial Industry Regulatory Authority® (FINRATM, formerly known as the NASDTM), the primary regulator of firms in the securities industry in the United States. Mr. Brueckner has served as a Governor for the NASD and a Director for NASD Regulation, where he was Presiding Governor, Chairman of the Finance Committee, and a member of the Executive Committee and the Governance Committee. He has previously served as Chairman of the NASD's National Adjudicatory Council and as Chairman of the NASD's New York District Committee. He is on the Board of Directors of the Securities Industry and Financial Markets Association (SIFMA) and has served as SIFMA's Co-Treasurer, as Co-Chair of the Audit and Finance Committee. He is also a Trustee of SIFMA's Foundation for Investor Education. He has been active in SIFMA, serving as the founding Chairman of the Clearing Firms Committee, Chairman of the Membership Committee, Chairman of the New York District, and Chairman and Chief Executive Officer of the Securities Industry Foundation for Economic Education.

Mr. Brueckner has also served on the Board of Archipelago LLC and as a Trustee for the Frontier Trust Company in Fargo, ND, and the United Way of Hudson County, NJ. Mr. Brueckner is Chairman of the Board of Trustees of Muhlenberg College in Allentown, PA. He graduated from Muhlenberg College with a Bachelor of Arts degree in Economics, and in 1973 became a Certified Public Accountant in NY.

Rob Comfort is President of Huntington Investment Company. Rob Comfort is responsible for leading Huntington's brokerage subsidiary and retail investment program.

Mr. Comfort joined Huntington in 1995 with over 13 years experience in the retail brokerage business. Under his leadership, Huntington Investment Company has had constant growth in revenue and profits for over 12 years, and now has over 175 dedicated registered representatives and 900 licensed platform representatives. Its sales force also has primary distribution responsibilities for other products including 401(k), Asset Management, Personal Trust and Insurance. Huntington's investment program is widely recognized as a star performer. In 2003, Huntington was honored as the "Regional Bank Investment Program of the Year" by the Bank Insurance & Securities Association (BISA), and in 2007, Rob Comfort was named Executive of the Year.

Mr. Comfort holds a degree in Finance from Miami University in Oxford, OH, and is past president of the BISA. An active member of the community, Rob is very involved with various philanthropic organizations including Fellowship of Christian Athletes, The Salvation Army, United Way, Athletes in Action, and Project Angel Tree. He was named one of Columbus' "40 Under 40" for top executives by Columbus' Business First magazine.

Mr. Comfort resides in Dublin, Ohio, with his wife Mary Beth of 22 years, their five sons and one daughter. An avid sports fan, he coaches his sons' ice hockey, football and baseball teams and is active in family life.

Dr. Kevin Elko is a nationally renowned Performance Consultant, Professional Motivational speaker and Author. With hundreds of standing ovations, Dr. Elko is one of the hottest inspirational presenters in the country today.

Kevin's appeal in the sports world translates directly to the corporate arena. Dr. Elko has consulted with and presented to a number of companies including: Travelers Insurance Company, The Young Presidents Organization, Smith Kline Beecham Consumer Brands, Abbot Diagnostics, Prudential Securities, Smith Barney, Merrill Lynch, Pioneer Investments and Tyson Foods. In 2005, Kevin was the highest rated speaker at the Million Dollar Roundtable, the conference for the Insurance Industry's highest achievers, with an audience of 6,000 attendees representing multiple Insurance and Financial Services Companies.

Dr. Elko is the author of two books, Nerves of Steel and The Pep Talk, along with several audio CD programs.

Born in Brownsville, Pennsylvania, Dr. Elko completed his Bachelors in Biology and Coaching Education at California University of Pennsylvania. He went on to West Virginia University where he completed a Masters in Counseling, a Masters in Sports Psychology, a Graduate Certificate in Gerontology, and a Doctorate in Education with a major emphasis in Sport and Counseling. Also, he is a Certified Addictions Counselor.

Sam Guerrieri has been a Senior Vice President of M&T Bank Corporation since 2003. He has been the Director of Retail Branch Distribution since 2006 and the CEO of M&T Securities, Inc. (M&T Bank) since 2007. He is currently responsible for 700 Retail Bank Branches and more than 5,000 employees which include 1,800 FINRA representatives across several eastern states.

He joined the organization in 1996 as a Regional Sales Manager, leading him to the role of National Sales Director in 1998 and President of M&T Securities, Inc. in 2004. Guerrieri has seen M&T grow and develop into a financial institution that is in the Top 20 independent bank-holding companies in the nation. He has been involved in nine acquisitions that have supported the growth and expansion that has helped M&T Bank prosper. He has served as a key player in the Securities business, at a double-digit growth rate on average of 18% annually. During his time as President of M&T Securities, Inc. he received the Large Bank Program of the Year award from BISA.

His philosophy is to surround himself with great people and allow them to be the success of the organization. Guerrieri advocates and instills a "Be the Best" attitude among his employees because he believes this approach is the key to excellence.

Guerrieri also serves on the boards of BISA, the Memorial Art Gallery in Rochester, NY, and the University of Rochester Athletic Department. He was named by the Rochester Business Journal to the esteemed "40 Under 40" list of top ranked young business professionals. He has also been inducted into the M&T Securities, Inc. Hall of Fame, as well as both the University of Rochester and Aquinas Institute's Sports Hall of Fame. Guerrieri holds the following FINRA licenses: Series 7 — General Securities Representative; Series 24 — General Securities Principal; Series 53 - Municipal Securities Principal; Series 63 — Uniform Securities Agent State Law, and Series — 65 Uniform Investment Advisor, as well as his New York State Life, Accident and Health License. He is a 1987 graduate of the University of Rochester, earning a B.S. in Psychology.

John Hartigan is Chair of the Securities Practice at Morgan, Lewis & Bockius LLP and has been the Managing Partner of the Los Angeles Office. He advises clients on a variety of subjects, including securities law issues, broker-dealer matters, mergers and acquisitions, corporate finance, and SEC enforcement matters.

Mr. Hartigan, who was with the SEC for more than eight years and served as, among other positions, Assistant Director of the Division of Enforcement, is a frequent lecturer, panelist and author on topics relating to securities law, mergers and acquisitions, corporate finance and broker-dealers.

Active in professional organizations, Mr. Hartigan is the President of the Association of Securities and Exchange Commission Alumni (ASECA), the General Counsel of the Bank Insurance & Securities Association (BISA), and on the Board of Georgetown University Law Center. He has been Vice Chair and a member of the Executive Committee of the Business Law Section of the State Bar of California, and former Chair of the Education Committee of the Business Section of the State Bar of California. He is also a member of the Executive Committee of the Business and Corporations Section of the Los Angeles County Bar Association and Chair of the Broker-Dealer Committee of that bar association. Mr. Hartigan has been recognized in Chambers USA and other publications for his expertise and accomplishments.

Following graduation with a degree in Finance with honors in 1972 from the University of Illinois, Mr. Hartigan received his J.D. from Georgetown University Law Center in 1975, where he was case and notes editor and a member of the executive board of the law journal, The Tax Lawyer.

Thomas N. Howe joined Webster Bank in 1998 as Executive Vice President Investment Services and President and CEO of Webster Trust Company. He has over 30 years experience in the financial services industry. During his 24-year career at Fleet Financial Group, he held various positions ranging from Senior Trust Officer to Marketing Product Manager to Managing Director of Fleet's Proprietary Mutual Fund program. He has a BA from Holy Cross College and an MBA from the University of Rhode Island and holds NASD Series 7, 24 and 66 licenses. He is also a CFP® certificant. Mr. Howe is married and has two children.

Dr. Kenneth Kehrer is a leading consultant to financial institutions on improving their securities brokerage, insurance, and wealth management businesses. His studies of sales penetration, profitability, compensation, and compliance have helped many banks and credit unions benchmark their sales performance and understand the key drivers of profitability. Clients include 55 of the 60 largest banks, as well as numerous community banks and credit unions. Dr. Kehrer also consults for insurers, investment companies, securities firms, technology providers, and marketing organizations on the development of strategies for bank and credit union distribution. In addition, Dr. Kehrer, who earned a PhD in economics from Yale University, moderates study groups on such diverse topics as technology, platform investment sales, annuity product management, brokerage best practices, and life insurance sales. In 2004 he received the prestigious Lifetime Achievement award from the BISA for his contributions to the industry. In 2006 the firm he founded 24 years ago -- Kenneth Kehrer Associates -- was acquired by LIMRA International. As a LIMRA subsidiary, Kehrer-LIMRA now carries on the firm's research on banks as financial services stores, drawing on proprietary surveys of banks and product providers.

Marlene Lund, a professional speaker, trainer, and consultant, is truly committed to the senior market, specializing in long term care insurance training and awareness. She has spoken nationally to thousands of consumers and professionals. In her presentations, Marlene expands the knowledge and understanding of the key issues arising from aging and needing long-term care, and she offers viable solutions to address these issues.

Prior to the establishment of Speaking of Aging, Inc., Marlene's tenure as president of Lund Insurance Agency provided her with over 18 years of experience working with clients, agents, and top-rated carriers.

Marlene serves on the Board of Directors of the Midlands Eldercare Network, made up of professionals who work with a variety of senior issues; past board of directors for the Omaha Association of Health Underwriters and the Nebraska Financial Planning Association; and on the faculty for Society of Senior Advisors (SCSA). She is certified in Long Term Care, (CLTC), and she is a member of the National Speakers Association.

Marlene attended the University of Nebraska at Omaha. She and her husband are both natives of Omaha, NE and have four children.

Dr. Richard Marston is the James Guy Professor of Finance at The Wharton School of Business at the University of Pennsylvania. He is also the Director of the Weiss Center for International Financial Research at the Wharton School.

Dr. Marston is a graduate of Yale and Oxford Universities with a PhD from the Massachusetts Institute of Technology. He is a former Fullbright and Rhodes Scholar, and the author of several books on international finance including his recent book, International Financial Integration, which won the Sanwa Bank Prize in International Finance.

Dr. Marston regularly teaches in the Investment Management Consultants (CIMA) Program as well as in other investment programs at the Wharton School. He is Director of the Institute for Private Investors Program at Wharton. His work has been widely cited in the press including publications such as Barrons, the Financial Times, Newsweek, and the Wall Street Journal, and he has appeared on television programs such as the Nightly Business Report and CNBC.

Jordan Miller is President and CEO of Fifth Third Bank, Central Ohio. In this role, he oversees the bank's day-to-day activities throughout central and southern Ohio, West Virginia and eastern Kentucky. The bank is an affiliate of Fifth Third Bancorp, and has $4.7 billion in assets, 90 offices and serves nearly 350,000 consumer and business customers in 23 counties in three states.

Jordan joined Fifth Third in 1998 as president of Fifth Third Securities, Inc. In that role he was responsible for management and distribution of investment products and services in all Fifth Third markets. That program included 400 dedicated Financial Advisors and over 1,500 licensed bankers operating in over 1,100 offices. Two years later, he was elevated to the position of senior vice president and manager of Fifth Third Investment Advisors for the bank's Cincinnati affiliate, where his group was responsible for managing $6 billion in Private Client accounts, $4 billion in Institutional Client accounts, and $3.5 billion in Brokerage accounts. He was named to his current position in June 2007.

Jordan earned his undergraduate degree from the University of Maryland and attended The Ohio State University. He maintains several securities licenses. He is a past board member of the BISA and a past member of the Bank Broker Dealer Committee for the National Association of Securities Dealers (NASD) in Washington, DC. He is currently a Board Member of the Columbus, Ohio Chamber of Commerce and is Vice Chair Elect of the Ohio Foundation of Independent Colleges.

Richard D. Starr is the Chairman of Financial Institutions Group, Inc. and the Director of Government Affairs for BISA. He also chairs its Legislative, Regulator Compliance Committee.

Dick was a Founding Director of Bank Securities Association and Founding Chairman of Financial Institutions Insurance Association. He assumed the Government Affairs duties with BISA when the two associations merged in 2002.

Dick conducts a national and international consulting practice focused on bank securities and insurance businesses, and also works with insurance carriers that distribute their products through financial institutions. He was most recently Director of Strategic Insurance Initiatives for ABN AMRO North America and served on its Global Bancassurance Committee. He graduated from Ohio State University. His financial career includes experience in securities brokerage, investment banking, trust banking, taxable and tax exempt underwriting, mortgage banking and insurance.

Dick is an entrepreneur who has created and sold financial companies to some of the nation's largest corporations, having started more than a dozen broker-dealers for various institutions. His clients include banks, thrifts, credit unions, third-party marketers, mortgage companies, insurance carriers and independent broker-dealers. He is also an innovator of technology that enables collaborative and replicated product and performance information electronically to the desktop of agents and brokers.

His work with the BISA includes regular compliance articles, federal and state lobbying, and national and international speaking engagements. Dick has been very active in the shaping of federal bank insurance powers and works closely with federal and state regulators and other trade associations. He is a proponent of uniform state regulation of insurance licensing and sales practices, and unrestricted common access to insurance, banking and financial market systems.

He is on the King County Advisory Board of the Salvation Army (Seattle). He is also on the Board of the American Leadership Academy, Inc. He lives with his wife in Sammamish, WA, a suburb of Seattle.