The Rocky Road Dictate How Members' Money Should Be Invested? What Is the Best Way Wins and Were Named Campus Activities Magazine's Top Major Performer

2:00 pm – 3:15 pm Plenary IV: Now there is a growing movement to add non-traditional investments. So what’s a plan sponsor to do? Continue adding new and innovative fund op- DC Plans: Educate or Dictate tions…which require lots of member education, go the “set it and forget it” Speakers: route by using auto pilot type funds, or is there a middle ground? Ismo Heikkila 6:30 pm – 10:30 pm Gala Reception, National Director Dinner & Concert by Emerson Drive Financial Education and Employer Services, T.E. Wealth Chateau Lake Louise Bill Turnbull General Manager Join your colleagues and guests for our closing gala dinner, followed by a Co-operative Superannuation Society Pension Plan concert by Canada’s own Emerson Drive.Bursting onto the Country music Mike Barry scene in 2001 with theirself-titled DreamWorks Nashville release which President, Plan Advisory Services (U.S.) included the catchy smashes, "I Should Be Sleeping" and "Fall Into Me", the band found a home at Midas Records and had a banner year in 2007 Moderator: following the release of COUNTRIFIED, which yielded the band's first #1 Daniel Morrison song, "Moments." Senior Manager Pension and Benefits Climbing ATCO Ltd. & Canadian Utilities Ltd. Emerson Drive have received numerous industry awards and nominations throughout their career and in 2007 they received their first ever GRAMMY Can DC plan sponsors educate their members effectively to make good in- nomination for "Moments," in addition to a DOVE Award nomination, an In- vestment decisions? Or should sponsors give up on education and simply spirational Country Music award nomination, 2 CMA nominations, 3 CCMA the Rocky Road dictate how members' money should be invested? What is the best way wins and were named Campus Activities Magazine's Top Major Performer. to meet your fiduciary obligations and minimize your liability? Come hear two experts present opposing views on these questions. You will also hear The band is currently in production on their new album, (once again col- about the U.S. experience with the recent "auto-pilot" developments south laborating with Teddy Gentry of Alabama and Josh Leo) which is scheduled of the border. Educate or dictate? You be the judge! for an early Fall release.

3:15 pm – 3:45 pm Refreshment Break 3:45 pm – 4:45 pm Workshop 5: Seeking Closure: In Search of Answers to the Legacy Plan Speakers: Louis-Georges Mongeau Senior Consultant, Legislation & Plan Governance Group Savings & Retirement, Standard Life Assurance Company of Canada FRIDAY, SEPTEMBER 19, 2008 Dr. Gary Tompkins Department of Economics, University of Regina 8:30 am – 12:00 pm Tee times reserved at Stewart Creek Moderator: In dramatic fashion, each of Stewart Creek's holes offers breathtaking pan- Diane Sutherland oramas that fill each golfer with wonder and awe. To enhance the challenge Team Leader, Pension & Benefits, Corporate Human Resources Talisman of layered fairways and subtly sloped greens, 35 bunkers are strategically Energy Inc. located around rushing streams, crystal clear lakes, rocky outcrops and re- Closed defined benefit plans are now commonplace. But once closed, the stored mine. Extend your stay and book your tee time through ACPM; morn- realities that a DB plan faces are significantly altered. As a result, the spon- ing tee times available on a first-come, first-served basis. Payment is made sor's focus takes on a whole new perspective. This workshop will explore: directly to Stewart Creek by individual players. • The overall risk profile of a closed DB plan; • Some possible strategies to manage and cope with a closed DB 9:00 am - 2:00 pm Choose one of the Following Banff Tours: plan; and 1) Banff Adventure Tour • "Exit" strategies for closed DB plans including the subtleties of commercial annuity markets. Build a connection to our World Heritage Site on this trademark sightsee- ing tour as you visit Banff's landmarks, most renowned traits and historic Workshop 6: places. Hear how the 11,000 year old human history of the Bow Valley New Investment Trends for DC Plans 2008 National Conference changed when three railway workers rediscovered the Cave & Basin, now Speakers: a National Historic Site, and learn about the local wildlife. Enjoy the sights September 16-19, 2008 Jean A. Young and photo opportunities at the many lookout points along the popular trails. Senior Research Analyst, Vanguard Center for Retirement Research Get a bird's eye view of many of the areas you will have visited as the Banff Gerry Wahl Gondola takes you to the top of Sulphur Mountain meander along the 1 km Assistant Treasurer, Teck Cominco Ltd. boardwalk to the Cosmic Ray Station National Historical Site of Canada, and the historic Sanson’s Peak Meteorological Station. Lake Louise, Alberta Moderator: Brendan George 2) Discover Banff Culture Tour Fairmont Chateau Lake Louise Vice President, Aon Consulting Inc. Visit the Whyte Museum, which focuses on the human history of the Bow As DC plans have evolved and developed a strong foothold in the Cana- Valley and commemorates the efforts of the some of the most integral char- dian retirement marketplace the number and style of investment choices acters to have touched this area. From the past we move to the present and has also changed. The old days of the master mix are gone and plan spon- get a taste of the diverse art exhibits on display for the 75th anniversary of sors and their members are faced with a wide variety of options…from the Walter Philips Gallery at the Banff Centre for the Performing arts. Lunch traditional asset classes to target date, asset allocation and hybrid funds. will be served in the garden. Workshop 2: Every week more than 700,000 people tune in to CBC Radio and a number TUESDAY, SEPTEMBER 16, 2008 for both China and India as well as spin off impacts that could be felt here How Green is Your Fiduciary Duty? of US public radio stations to hear Stuart McLean’s “The Vinyl Café”. Stuart 9:30 am – 4:30 pm ACPM Annual Golf Tournament in Canada as well. Gary Comerford has been instrumental in establishing McLean, one of Canada’s most beloved storytellers and humorists, enter- Speakers: Fairmont Banff Springs Golf Course Sun Life’s operations in both countries. Stuart Leckie is the former Chairman tains his listeners with Canadian music, colourful fiction and his thoughts of Fidelity’s Asian operations and a well known pension expert. Jaskirat Susan Enefer The best way to begin your stay in the Rockies! Renowned for its pan- on a wide range of topics, from the trivial to the thought-provoking. The Kaur was Vice President of Group Insurance and Pensions for Birla Sun Life Manager, Corporate Governance oramic beauty, The Fairmont Banff Springs Golf Course is a captivating and extremely popular stories from the show have been collected in six best- in India. challenging layout set in the heart of Canada's Rocky Mountains. From the BC Investment Management Corporation (bcIMC) selling books, two of which have received the prestigious Stephen Leacock actual hole design to the optical illusions created by the surrounding moun- 10:15 am – 10:45 am Refreshment Break John D’Agata Award for Humour. tains, this course will delight and tempt you. Your tournament package Director, Pensions and Benefits , McGill University 10:45 am – 12:00 pm Plenary II THURSDAY, SEPTEMBER 18, 2008 includes return transportation from Chateau Lake Louise, breakfast, BBQ Moderator: lunch, green fees and prizes. DB Plans: Terminal or Critical? Jordan Berger 7:00 am – 4:00 pm Registration 12:00 pm – 8:00 pm Registration Speakers: Head of Responsible Investing, Mercer (Canada) Ltd. Chateau Lake Louise Fairmont Chateau Lake Louise Malcolm Hamilton 7:30 am – 8:30 am Breakfast We all know that Socially Responsible Investing is the right thing to do and Worldwide Partner, Mercer (Canada) Ltd. 10:00 am – 5:00 pm Columbia Icefields Tour some plans have incorporated SRI into their Investment Policies. But what 8:30 am – 9:45 am Plenary III: Christopher A. Brown Journey to the Columbia Icefield along the spectacular Icefields Parkway in happens after SRI is implemented? In this workshop, we will hear from Alberta Co-Chair, Joint Expert Panel on Pension Standards (JEPPS) The Shifting Economic Balance a luxury Brewster motorcoach. After photographic stops at Crowfoot Gla- industry participants on the challenges after SRI implementation and we Speaker: cier and Peyto Lake, we head towards the impressive view of the Big Hill. Kathryn Bush will discuss the lessons that are being learned. Our panel will share their Following a delicious buffet luncheon at the Icefield Centre, we will board Advisory Panel Member experience and insight for those looking to make the change. Andrew Busch Global Currency Strategist, BMO Capital Markets a “Snocoach”, a vehicle unlike any other and learn about the unique eco- Ontario Expert Commission on Pensions (OECP) 3:15 pm – 3:45 pm Refreshment Break system and the creation of the glaciers on the way to the Columbia Icefield. Moderator: Moderator: 3:45 pm – 4:45 pm Concurrent Sessions We will return to Chateau Lake Louise in the late afternoon. Andrew Harrison James Clark 5:30 pm – 8:00 pm Welcome Reception Partner, Borden Ladner Gervais LLP Workshop 3: Vice President, Business Development Lakeview Terrace, Plan Alternatives – What’s possible? Aurion Capital Management Fairmont Chateau Lake Louise This plenary will examine the submissions that were made by the various Speakers: As we watch events unfold in the world around us, many questions come stakeholders to OECP and JEPPS. The presenters will provide their views Greg Hyatt to mind. Will these events be the catalyst for major changes in the current WEDNESDAY, SEPTEMBER 17, 2008 regarding the future of defined benefit plans based on the submissions. Director, Pension Plan Management, Canadian Pacific economic order? Which economies are growing and who could decline? Specifically, the presenters from the two jurisdictions will have an oppor- 7:00 am – 5:00 pm Registration What will this mean to North America, Europe, Australasia and the BRIC tunity to compare and contrast what was heard throughout the process as David Mackay Chateau Lake Louise nations? Do these events force us to look at investments in a different light well as examine any trends. The speakers will focus on what appeared to Manager, Human Resources Operations, TransCanada 7:30 am – 8:30 am Breakfast and could they change the concept of investing as we know it today? What be the key issues and different possible resolutions to these issues, based Moderator: are the implications for our retirement plans? Join us for an exciting exami- 8:30am – 12:30pm Companion Program on the submissions. In the event that OECP or JEPPS has reported, the Chateau Lake Louise David Suzuki nation of current economic events and musings about the future. contents of the report will be addressed. Principal, Towers Perrin Meet at the Concierge Desk 9:45 am – 10:15 am Refreshment Break Guests are invited to go on a two-hour hike to the Fairview lookout point 12:30 pm – 2:00 pm Luncheon & Keynote Speaker Today’s legislative framework requires pension plan sponsors to develop 10:15 am – 11:40 pm ACPM Open Forum with a naturalist guide after a private breakfast (cost included in the com- Mr. Ralph Klein and deploy innovative design alternatives, investment strategies and fund- panion fee but guests must sign up by Friday August 1st. Space is limited) Former Premier of Alberta (1992 – 2006) ing approaches to achieve their HR and financial objectives. This workshop Moderators: will investigate: Mitch Frazer 8:30 am – 8:45 am Opening Ceremonies 2:15 pm – 3:15 pm Concurrent Sessions • Design challenges adopted by one plan sponsor to enhance its Chair, ACPM Strategic Communications Committee 8:45 am – 10:15 am Plenary I Workshop 1: attraction and retention programs Partner, Torys LLP • The perspective of another plan sponsor on DB funding volatility Staying on the Right Side of the Law Andrew Harrison Emerging Economies, Emerging Retirement Systems and mitigation strategies Chair, ACPM Advocacy and Government Relations Committee; Speakers: Speakers: • Other emerging design and funding concepts Ari Kaplan Partner, Borden Ladner Gervais LLP Stuart Leckie Workshop 4: Partner, Koskie Minsky The ACPM regularly consults its membership to solicit views on key policy Chairman, Stirling Finance Ltd. (Hong Kong) DC – Is the price right? Martin Rochette issues. Using on-line survey technology, conference attendees and ACPM Jaskirat Kaur Senior Partner, Ogilvy Renault LLP Speakers: members will be surveyed in advance of the conference. The results of this National Director, Customer Relations survey will provide the basis for discussion at this interactive forum. This is Standard Life Assurance Company of Canada Heidi Winezlar Greg Bell Counsel, Osler, Hoskin & Harcourt LLP (New York) Vice President, Operations & Corporate Accounts also your opportunity to hear about new initiatives underway resulting from Moderator: Sun Life Financial the 2007 Open Forum. Gary Comerford Moderator: Jana Steele Greg Hurst 11:45 pm – 12:15 pm ACPM Annual General Meeting Senior Vice President, International, Sun Life Financial Note: This meeting is exclusive to ACPM mem- Partner, Goodmans LLP Principal, Morneau Sobeco How do rapidly emerging economies deal with the development of an bers in good standing. Third Speaker, to be confirmed emerging retirement income system? In many countries traditional ways This workshop examines the legal risks associated with various roles in 12:15 pm – 1:45 pm Luncheon & Keynote Speaker of life are giving way to the forces of globalization and the economic im- pension plan administration: Moderator: Barry Blanchard peratives that come with it. In both China and India, traditional systems of • What are the legal duties of a trustee in the administration of Nadia Darwish Associate Director support are rapidly changing and trying to adapt as the economies develop. pension plans in various Canadian jurisdictions?; AVP National Client Relationships, Sun Life Financial Yamnuska Mountain Aventures With the crumbling of the “iron rice bowl”, a move away from State enter- • New governance standards enacted by the Quebec National As- As DC plans increase in size within the Canadian retirement system it is This Canadian mountain guide and alpinist was born in Calgary in March prises and a demographic trend that is shifting the burden to individuals the sembly related to pension committees; traditional support system in China is being forced to change. These factors important to understand the fees that are being charged for these plans. 1959. Twelve years later, when three boys navigated the Bow River through • Recent cases including the Trustees of Participating Co-opera- Join us at this workshop to explore DC plan fees from the perspective of a the western side of the city on a raft of nailed-together railway ties, Barry and more are creating a demographic emergency that is sure to affect the tives of Ontario Pension Plan case, the Canadian Commercial retirement of a rapidly emerging middle class. record-keeper, a consultant and a plan sponsor. What factors contribute to was at the helm steering the adventure. A six-month trip to the French Alps Industries Pension Plan case and the Jeffrey Mines case; the pricing of DC plans? What other “soft” characteristics do consultants in 1980 set the course of Barry’s life: to climb the steepest and most compli- In India the development of a large middle class in a relatively short period • U.S. perspective – recent U.S. cases related to investments and and plan sponsors consider? What might affect DC plan fees in the future? cated faces of the world’s great glaciated peaks, which he has been doing of time is creating additional issues that will have to be dealt with. As in fees; safe harbour provisions; U.S. trends coming to Canada?; ever since. Barry moved to the mountains in 1982 to pursue his Mountain 5:30 pm – 10:00 pm Reception, Dinner and China traditional support systems are quickly eroding and creating a need and Guiding career – he is an internationally certified UIAGM mountain guide, • Stuart McLean Performance for individuals to plan for themselves. Listen to some industry experts who How Canadian plan sponsors and trustees can protect them- and has even worked on such feature films as “K-2”, “Cliffhanger” and “The Lodge of the Ten Peaks have hands on experience in these two marketplaces discuss the impacts selves against legal risks. Vertical Limit”. Workshop 2: Every week more than 700,000 people tune in to CBC Radio and a number TUESDAY, SEPTEMBER 16, 2008 for both China and India as well as spin off impacts that could be felt here How Green is Your Fiduciary Duty? of US public radio stations to hear Stuart McLean’s “The Vinyl Café”. Stuart 9:30 am – 4:30 pm ACPM Annual Golf Tournament in Canada as well. Gary Comerford has been instrumental in establishing McLean, one of Canada’s most beloved storytellers and humorists, enter- Speakers: Fairmont Banff Springs Golf Course Sun Life’s operations in both countries. Stuart Leckie is the former Chairman tains his listeners with Canadian music, colourful fiction and his thoughts of Fidelity’s Asian operations and a well known pension expert. Jaskirat Susan Enefer The best way to begin your stay in the Rockies! Renowned for its pan- on a wide range of topics, from the trivial to the thought-provoking. The Kaur was Vice President of Group Insurance and Pensions for Birla Sun Life Manager, Corporate Governance oramic beauty, The Fairmont Banff Springs Golf Course is a captivating and extremely popular stories from the show have been collected in six best- in India. challenging layout set in the heart of Canada's Rocky Mountains. From the BC Investment Management Corporation (bcIMC) selling books, two of which have received the prestigious Stephen Leacock actual hole design to the optical illusions created by the surrounding moun- 10:15 am – 10:45 am Refreshment Break John D’Agata Award for Humour. tains, this course will delight and tempt you. Your tournament package Director, Pensions and Benefits , McGill University 10:45 am – 12:00 pm Plenary II THURSDAY, SEPTEMBER 18, 2008 includes return transportation from Chateau Lake Louise, breakfast, BBQ Moderator: lunch, green fees and prizes. DB Plans: Terminal or Critical? Jordan Berger 7:00 am – 4:00 pm Registration 12:00 pm – 8:00 pm Registration Speakers: Head of Responsible Investing, Mercer (Canada) Ltd. Chateau Lake Louise Fairmont Chateau Lake Louise Malcolm Hamilton 7:30 am – 8:30 am Breakfast We all know that Socially Responsible Investing is the right thing to do and Worldwide Partner, Mercer (Canada) Ltd. 10:00 am – 5:00 pm Columbia Icefields Tour some plans have incorporated SRI into their Investment Policies. But what 8:30 am – 9:45 am Plenary III: Christopher A. Brown Journey to the Columbia Icefield along the spectacular Icefields Parkway in happens after SRI is implemented? In this workshop, we will hear from Alberta Co-Chair, Joint Expert Panel on Pension Standards (JEPPS) The Shifting Economic Balance a luxury Brewster motorcoach. After photographic stops at Crowfoot Gla- industry participants on the challenges after SRI implementation and we Speaker: cier and Peyto Lake, we head towards the impressive view of the Big Hill. Kathryn Bush will discuss the lessons that are being learned. Our panel will share their Following a delicious buffet luncheon at the Icefield Centre, we will board Advisory Panel Member experience and insight for those looking to make the change. Andrew Busch Global Currency Strategist, BMO Capital Markets a “Snocoach”, a vehicle unlike any other and learn about the unique eco- Ontario Expert Commission on Pensions (OECP) 3:15 pm – 3:45 pm Refreshment Break system and the creation of the glaciers on the way to the Columbia Icefield. Moderator: Moderator: 3:45 pm – 4:45 pm Concurrent Sessions We will return to Chateau Lake Louise in the late afternoon. Andrew Harrison James Clark 5:30 pm – 8:00 pm Welcome Reception Partner, Borden Ladner Gervais LLP Workshop 3: Vice President, Business Development Lakeview Terrace, Plan Alternatives – What’s possible? Aurion Capital Management Fairmont Chateau Lake Louise This plenary will examine the submissions that were made by the various Speakers: As we watch events unfold in the world around us, many questions come stakeholders to OECP and JEPPS. The presenters will provide their views Greg Hyatt to mind. Will these events be the catalyst for major changes in the current WEDNESDAY, SEPTEMBER 17, 2008 regarding the future of defined benefit plans based on the submissions. Director, Pension Plan Management, Canadian Pacific economic order? Which economies are growing and who could decline? Specifically, the presenters from the two jurisdictions will have an oppor- 7:00 am – 5:00 pm Registration What will this mean to North America, Europe, Australasia and the BRIC tunity to compare and contrast what was heard throughout the process as David Mackay Chateau Lake Louise nations? Do these events force us to look at investments in a different light well as examine any trends. The speakers will focus on what appeared to Manager, Human Resources Operations, TransCanada 7:30 am – 8:30 am Breakfast and could they change the concept of investing as we know it today? What be the key issues and different possible resolutions to these issues, based Moderator: are the implications for our retirement plans? Join us for an exciting exami- 8:30am – 12:30pm Companion Program on the submissions. In the event that OECP or JEPPS has reported, the Chateau Lake Louise David Suzuki nation of current economic events and musings about the future. contents of the report will be addressed. Principal, Towers Perrin Meet at the Concierge Desk 9:45 am – 10:15 am Refreshment Break Guests are invited to go on a two-hour hike to the Fairview lookout point 12:30 pm – 2:00 pm Luncheon & Keynote Speaker Today’s legislative framework requires pension plan sponsors to develop 10:15 am – 11:40 pm ACPM Open Forum with a naturalist guide after a private breakfast (cost included in the com- Mr. Ralph Klein and deploy innovative design alternatives, investment strategies and fund- panion fee but guests must sign up by Friday August 1st. Space is limited) Former Premier of Alberta (1992 – 2006) ing approaches to achieve their HR and financial objectives. This workshop Moderators: will investigate: Mitch Frazer 8:30 am – 8:45 am Opening Ceremonies 2:15 pm – 3:15 pm Concurrent Sessions • Design challenges adopted by one plan sponsor to enhance its Chair, ACPM Strategic Communications Committee 8:45 am – 10:15 am Plenary I Workshop 1: attraction and retention programs Partner, Torys LLP • The perspective of another plan sponsor on DB funding volatility Staying on the Right Side of the Law Andrew Harrison Emerging Economies, Emerging Retirement Systems and mitigation strategies Chair, ACPM Advocacy and Government Relations Committee; Speakers: Speakers: • Other emerging design and funding concepts Ari Kaplan Partner, Borden Ladner Gervais LLP Stuart Leckie Workshop 4: Partner, Koskie Minsky The ACPM regularly consults its membership to solicit views on key policy Chairman, Stirling Finance Ltd. (Hong Kong) DC – Is the price right? Martin Rochette issues. Using on-line survey technology, conference attendees and ACPM Jaskirat Kaur Senior Partner, Ogilvy Renault LLP Speakers: members will be surveyed in advance of the conference. The results of this National Director, Customer Relations survey will provide the basis for discussion at this interactive forum. This is Standard Life Assurance Company of Canada Heidi Winezlar Greg Bell Counsel, Osler, Hoskin & Harcourt LLP (New York) Vice President, Operations & Corporate Accounts also your opportunity to hear about new initiatives underway resulting from Moderator: Sun Life Financial the 2007 Open Forum. Gary Comerford Moderator: Jana Steele Greg Hurst 11:45 pm – 12:15 pm ACPM Annual General Meeting Senior Vice President, International, Sun Life Financial Note: This meeting is exclusive to ACPM mem- Partner, Goodmans LLP Principal, Morneau Sobeco How do rapidly emerging economies deal with the development of an bers in good standing. Third Speaker, to be confirmed emerging retirement income system? In many countries traditional ways This workshop examines the legal risks associated with various roles in 12:15 pm – 1:45 pm Luncheon & Keynote Speaker of life are giving way to the forces of globalization and the economic im- pension plan administration: Moderator: Barry Blanchard peratives that come with it. In both China and India, traditional systems of • What are the legal duties of a trustee in the administration of Nadia Darwish Associate Director support are rapidly changing and trying to adapt as the economies develop. pension plans in various Canadian jurisdictions?; AVP National Client Relationships, Sun Life Financial Yamnuska Mountain Aventures With the crumbling of the “iron rice bowl”, a move away from State enter- • New governance standards enacted by the Quebec National As- As DC plans increase in size within the Canadian retirement system it is This Canadian mountain guide and alpinist was born in Calgary in March prises and a demographic trend that is shifting the burden to individuals the sembly related to pension committees; traditional support system in China is being forced to change. These factors important to understand the fees that are being charged for these plans. 1959. Twelve years later, when three boys navigated the Bow River through • Recent cases including the Trustees of Participating Co-opera- Join us at this workshop to explore DC plan fees from the perspective of a the western side of the city on a raft of nailed-together railway ties, Barry and more are creating a demographic emergency that is sure to affect the tives of Ontario Pension Plan case, the Canadian Commercial retirement of a rapidly emerging middle class. record-keeper, a consultant and a plan sponsor. What factors contribute to was at the helm steering the adventure. A six-month trip to the French Alps Industries Pension Plan case and the Jeffrey Mines case; the pricing of DC plans? What other “soft” characteristics do consultants in 1980 set the course of Barry’s life: to climb the steepest and most compli- In India the development of a large middle class in a relatively short period • U.S. perspective – recent U.S. cases related to investments and and plan sponsors consider? What might affect DC plan fees in the future? cated faces of the world’s great glaciated peaks, which he has been doing of time is creating additional issues that will have to be dealt with. As in fees; safe harbour provisions; U.S. trends coming to Canada?; ever since. Barry moved to the mountains in 1982 to pursue his Mountain 5:30 pm – 10:00 pm Reception, Dinner and China traditional support systems are quickly eroding and creating a need and Guiding career – he is an internationally certified UIAGM mountain guide, • Stuart McLean Performance for individuals to plan for themselves. Listen to some industry experts who How Canadian plan sponsors and trustees can protect them- and has even worked on such feature films as “K-2”, “Cliffhanger” and “The Lodge of the Ten Peaks have hands on experience in these two marketplaces discuss the impacts selves against legal risks. Vertical Limit”. 2:00 pm – 3:15 pm Plenary IV: Now there is a growing movement to add non-traditional investments. So what’s a plan sponsor to do? Continue adding new and innovative fund op- DC Plans: Educate or Dictate tions…which require lots of member education, go the “set it and forget it” Speakers: route by using auto pilot type funds, or is there a middle ground? Ismo Heikkila 6:30 pm – 10:30 pm Gala Reception, National Director Dinner & Concert by Emerson Drive Financial Education and Employer Services, T.E. Wealth Chateau Lake Louise Bill Turnbull General Manager Join your colleagues and guests for our closing gala dinner, followed by a Co-operative Superannuation Society Pension Plan concert by Canada’s own Emerson Drive.Bursting onto the Country music Mike Barry scene in 2001 with theirself-titled DreamWorks Nashville release which President, Plan Advisory Services (U.S.) included the catchy smashes, "I Should Be Sleeping" and "Fall Into Me", the band found a home at Midas Records and had a banner year in 2007 Moderator: following the release of COUNTRIFIED, which yielded the band's first #1 Daniel Morrison song, "Moments." Senior Manager Pension and Benefits Climbing ATCO Ltd. & Canadian Utilities Ltd. Emerson Drive have received numerous industry awards and nominations throughout their career and in 2007 they received their first ever GRAMMY Can DC plan sponsors educate their members effectively to make good in- nomination for "Moments," in addition to a DOVE Award nomination, an In- vestment decisions? Or should sponsors give up on education and simply spirational Country Music award nomination, 2 CMA nominations, 3 CCMA the Rocky Road dictate how members' money should be invested? What is the best way wins and were named Campus Activities Magazine's Top Major Performer. to meet your fiduciary obligations and minimize your liability? Come hear two experts present opposing views on these questions. You will also hear The band is currently in production on their new album, (once again col- about the U.S. experience with the recent "auto-pilot" developments south laborating with Teddy Gentry of Alabama and Josh Leo) which is scheduled of the border. Educate or dictate? You be the judge! for an early Fall release.