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BEGIN:VEVENT
DTSTART:20120201T170000Z
DTEND:20120201T230000Z
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SUMMARY:Local Forecast Seminar
DESCRIPTION:Home Building Association of Richmond\n                      presents                       The 2012 Local Housing & Economic Forecast Seminar                       Wednesday\, February 1\, 2012                       8:00 a.m. Buffet Breakfast - 8:45-10:30 a.m. program                       Holiday Inn-Select                       Register online with credit card (mastercard or visa) HERE\n                         Register with a check by mailing in form found HERE\n                         \n                         Topics Include:                       Design Characteristics of New Homes                       Market Share by Price Range                       Legal & Policy Issues Affecting Home Builders                       Single Family Attached vs. Detached Sales                       The Existing Resale Inventory Challenge                       New Home Foreclosure Closings                       Employment Activity                       Buyer Profile                       Interest Rates & Housing Starts                       Plus-announcing the 2011 top 10 Subdivisions & Builder Members.                       \n                      Speakers:                       Dr. David Crowe- National Association of Home Builders (NAHB)                       David Crowe is Chief Economist & Senior Vice President at the National Association of Home Builders (NAHB). Dr. Crowe is responsible for NAHB's forecast of housing & economic trends\, survey research & analysis of the home building industry & consumer preferences as well as microeconomic analysis of government policies that affect housing.                       Dr. Crowe is also responsible for the development & implementation of an innovative model of the local economic impact & fiscal cost of new home construction\, which has estimated the net impact of new housing in over 500 local markets. Dr. Crowe holds a PhD in Economics from the University of Kentucky.                       Mr. Lloyd Mason Poe-LifeStyle Builders & Developers\, Inc.                       Lloyd Poe\, President of LifeStyle Builders & Developers\, Inc.\, has been actively building for 28 years and has a Class A contractor license in Virginia. He holds a Real Estate Broker License\, and is a member of HBAR and its Sales & Marketing Council. Mr. Poe is often asked to judge\, teach\, consult and speak as an expert in home building.                       \n                         Register online with credit card (mastercard or visa) HERE\n                         Register with a check by mailing in form found HERE                                                                       Sponsored By:                      \n                      BB&T                       Dominion Virginia Power                       Fulton Bank                       Middleburg Bank                       Monarch Mortgage                       Richmond Public Utilities
X-ALT-DESC;FMTTYPE=text/html:<div align="left" style="text-align: left">    <div>       <div>          <div>             <div>                <div>                   <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 12pt"><strong>Home Building Association of Richmond</strong></span></span></span></span></span><br>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 12pt">presents</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #0a74db\; font-size: 14pt">The 2012 Local <em>Housing &amp\; Economic</em> Forecast Seminar</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 12pt">Wednesday\, February 1\, 2012 </span></em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 12pt">8:00 a.m. Buffet Breakfast - 8:45-10:30 a.m. program </span></em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 12pt">Holiday Inn-Select </span></em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="color: #323232\; font-size: 14pt">Register online with <strong><span style="color: #0a74db">credit card</span> <span style="font-size: 10pt"><em>(mastercard or visa)</em></span> <a href="http://r20.rs6.net/tn.jsp?llr=9cj7hdcab&amp\;et=1109061277711&amp\;s=3818&amp\;e=0016JrpBvOljzJE4zyADsIsaB-zxvbBChjcaV-rXX3ubuA9iOuQaH5T4tPyJXBlfGESgbMg2TS9VQO-RIq8pGybEWjt3kq3SKYT-pEPNoruQ8uVabfTNq8ICZl359qXZ0ViPDmkVumxsr4=" shape="rect" style="color: #323232\; text-decoration: underline" target="_blank">HERE</a></strong></span><br>                         <span style="color: #323232\; font-size: 14pt">Register with a <span style="color: #0a74db"><strong>check</strong></span> by mailing in form found </span><span style="font-size: 14pt"><strong><a href="http://r20.rs6.net/tn.jsp?llr=9cj7hdcab&amp\;et=1109061277711&amp\;s=3818&amp\;e=0016JrpBvOljzJHz7wH-i72iTmCo9j5rauSUP7inSzIab_-HG0FQhTQ-bcptYwMaJ0h82qacYs1cm0scXrqqE2FsNhVkJ6kgNT_1AuMXCeb1rJGpUgLksF6Gz3kH2vydRmxMYs6ufoNj5TVAEVve0D1l7fgh-ki9qam0AbpAbZWg9_oH1YiQp3Ao4UiNlrCB7PY6jjp3pYMvAw=" shape="rect" style="color: #0a74db\; text-decoration: underline" target="_blank">HERE</a></strong></span><br>                         <br>                         <span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt"><strong>Topics Include:</strong></span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Design Characteristics of New Homes</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Market Share by Price Range</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Legal &amp\; Policy Issues Affecting Home Builders</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Single Family Attached vs. Detached Sales</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">The Existing Resale Inventory Challenge</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">New Home Foreclosure Closings</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Employment Activity</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Buyer Profile</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Interest Rates &amp\; Housing Starts</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Plus-announcing the 2011 top 10 Subdivisions &amp\; Builder Members. </span></em></span></strong></span></span></span></span></span></div>                      <br>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt"><strong>Speakers</strong>:</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt"><strong>Dr. David Crowe- National Association of Home Builders (NAHB)</strong></span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">David Crowe is Chief Economist &amp\; Senior Vice President at the National Association of Home Builders (NAHB). Dr. Crowe is responsible for NAHB&#39\;s forecast of housing &amp\; economic trends\, survey research &amp\; analysis of the home building industry &amp\; consumer preferences as well as microeconomic analysis of government policies that affect housing. </span></em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Dr. Crowe is also responsible for the development &amp\; implementation of an innovative model of the local economic impact &amp\; fiscal cost of new home construction\, which has estimated the net impact of new housing in over 500 local markets. Dr. Crowe holds a PhD in Economics from the University of Kentucky.</span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt"><strong>Mr. Lloyd Mason Poe-LifeStyle Builders &amp\; Developers\, Inc.</strong></span> </em></span></strong></span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; font-size: 11pt">Lloyd Poe\, President of LifeStyle Builders &amp\; Developers\, Inc.\, has been actively building for 28 years and has a Class A contractor license in Virginia. He holds a Real Estate Broker License\, and is a member of HBAR and its Sales &amp\; Marketing Council. Mr. Poe is often asked to judge\, teach\, consult and speak as an expert in home building.</span> </em></span></strong></span></span></span></span></span></div>                      <div><br>                         <span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="color: #323232\; font-size: 14pt">Register online with <strong><span style="color: #0a74db">credit card</span> <span style="font-size: 10pt"><em>(mastercard or visa)</em></span> <a href="http://r20.rs6.net/tn.jsp?llr=9cj7hdcab&amp\;et=1109061277711&amp\;s=3818&amp\;e=0016JrpBvOljzJE4zyADsIsaB-zxvbBChjcaV-rXX3ubuA9iOuQaH5T4tPyJXBlfGESgbMg2TS9VQO-RIq8pGybEWjt3kq3SKYT-pEPNoruQ8uVabfTNq8ICZl359qXZ0ViPDmkVumxsr4=" shape="rect" style="color: #0a74db\; text-decoration: underline" target="_blank">HERE</a></strong></span></em></span></strong></span></span></span></span></span><br>                         <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="color: #323232\; font-size: 14pt">Register with a <span style="color: #0a74db"><strong>check</strong></span> by mailing in form found </span><span style="font-size: 14pt"><strong><a href="http://r20.rs6.net/tn.jsp?llr=9cj7hdcab&amp\;et=1109061277711&amp\;s=3818&amp\;e=0016JrpBvOljzJHz7wH-i72iTmCo9j5rauSUP7inSzIab_-HG0FQhTQ-bcptYwMaJ0h82qacYs1cm0scXrqqE2FsNhVkJ6kgNT_1AuMXCeb1rJGpUgLksF6Gz3kH2vydRmxMYs6ufoNj5TVAEVve0D1l7fgh-ki9qam0AbpAbZWg9_oH1YiQp3Ao4UiNlrCB7PY6jjp3pYMvAw=" shape="rect" style="color: #0a74db\; text-decoration: underline" target="_blank">HERE</a></strong></span> </em></span></strong></span></span></span></span></span></div>                         <div>&nbsp\;</div>                      </div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><strong><span style="font-size: 10pt"><em><span style="font-size: 14pt">Sponsored By:</span></em></span></strong></span></span></span></span></span></div>                      <br>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><span style="font-size: 14pt">BB&amp\;T</span> </span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><span style="font-size: 14pt">Dominion Virginia Power</span> </span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><span style="font-size: 14pt">Fulton Bank</span> </span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><span style="font-size: 14pt">Middleburg Bank</span> </span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><span style="font-size: 14pt">Monarch Mortgage</span> </span></span></span></span></span></div>                      <div><span style="font-family: lucida calligraphy\; color: #000000\; font-size: 14pt"><span style="font-family: Arial\,Helvetica\,sans-serif\; color: #555555\; font-size: 12pt"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #000000"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333"><span style="font-family: Franklin Gothic Medium\,Arial\,Helvetica\,sans-serif\; color: #333333\; font-size: 12pt"><span style="font-size: 14pt">Richmond Public Utilities</span></span></span></span></span></span></div>                   </div>                </div>             </div>          </div>       </div>    </div> </div> <br> <p style="margin-top: 0px\; margin-bottom: 0px">&nbsp\;</p>
LOCATION:Koger South Conference Center 1021 Koger Center Boulevard Richmond\, VA 23235
UID:e.9289.179
SEQUENCE:3
DTSTAMP:20260426T055709Z
URL:https://members.hbar.org/events/details/local-forecast-seminar-02-01-2012-179
END:VEVENT

END:VCALENDAR
