Honors and Awards

04/08/23

VITA

WILLIAM F. FORD, Ph.D.Weatherford Chair of Finance

Middle Tennessee State University

PERSONAL DATA

Addresses: Home: 1441 Bradberry DriveMurfreesboro, TN 37130

Office: P.O. Box 27, MTSUMurfreesboro, TN 37132

Telephones: Home: (615) 890-3883Office: (615) 898-2889Fax: (615) 898-5962Email: [email protected] Site: http//www.mtsu.edu/~wfford

EDUCATION

University of Texas; Austin, TexasBachelor of Arts/Economics, Summa cum laude, 1961.

University of Michigan; Ann Arbor, MichiganMaster of Arts/Economics, 1962.Ph.D./Economics, 1965.

Stanford University; Palo Alto, CaliforniaGraduate/Senior Executive Program; Graduate School of BusinessAdministration, 1983

HONORS AND AWARDS

Faculty Outstanding Public Service Award winner (twice) 1995-96 and 2003-04, Middle Tennessee State University

Academic Excellence Award (Statewide), Tennessee Board of Regents, December, 2003.

Outstanding Faculty Member Award, College of Business, Middle Tennessee State University, 2001-2002.

Faculty Research Award winner; Middle Tennessee State University, 1998.

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HONORS AND AWARDS (cont.)

Abramson Scroll Award winner (twice); The annual convention of the National Association for Business Economics (NABE) on September 12, 2000 “In recognition of an outstanding feature article published in Business Economics”, (The Journal of the National Association for Business Economics), and at the annual convention of the National Association of Business Economics in New Orleans on September 16, 1997, also,“ In recognition of an outstanding feature article published in Business Economics”.

A series of awards and proclamations from the Atlanta School Board for establishing a successful banking magnet school for inner-city high school students, 1980-83.

Honorary Doctorate, Florida Institute of Technology; 1982.

International Rotary Fellow, Chile, South America, 1970.

Ford Foundation Foreign Area Fellow, Mexico, 1964-1965.

Co-Winner, Fred M. Taylor prize in Economic Theory at the University of Michigan; 1963. This is the annual award given to the top Ph.D. candidate(s) in Economics.

NDEA Graduate Economics Fellowship winner; 1961- 1963.

Woodrow Wilson Fellowship winner; 1961.

Elected to Phi Beta Kappa; University of Texas; 1960 (Junior Year).

AFFILIATIONS

Member, Tennessee Lottery Task Force, 2002 – 03.

Director, National Association for Business Economics, NABE, 2002-05.

Associate Editor, Business Economics (The Journal of the National Association for Business Economics), 1997-.

Phi Beta Kappa Society Fellow; 1996-.

Phi Beta Kappa Associates of Nashville, Vice President, 1996-.

Trustee, MTSU Foundation, 1993-99.

AFFILIATIONS (CONT.)

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Director, Beech Street Corporation, 1993-2001.

Member, Editorial Board of the Bank Funds Management Report, published by Sheshunoff Information Services, Inc., 1993-98.

U.S. Chamber of Commerce, board member (various years). Economics Committee, 1986-98.Economics Committee Chairman, 1990-93.Board of Directors and Nominating Committee 1988-91.

Member, The Bretton Woods Committee, 1985-.

Member, American Economic Association, 1966- (various years).

Member, MTSU Faculty Senate, 1996-2002.

Member, MTSU Symphony Board of Directors, 1994-5.

Member, Holocaust Studies Committee, MTSU, 1993-96.

Member, National Association for Business Economics, 1975-.

Member, Union Club and 50 Club of Cleveland 1986-90.

Member, Bankers’ Club of San Francisco, 1984-88.

Advisory Board Member; National Center on Financial Services; University of California, Berkeley, California; 1984-87.

Member, Board of Visitors; Berry College, Rome, Georgia, 1981-86.

Co-Founder and member of the Northern Ohio chapter, Stanford University Business School Alumni Club, 1986-89.

Director, Stanford University Business School’s Alumni Board; 1984-1985.

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MILITARY SERVICE

United States Navy; Submarine Service.Honorably discharged, 1962.

BUSINESS AND CONSULTING EXPERIENCE

EXPERT WITNESS AND BUSINESS CONSULTINGVarious clients, including RTC, FDIC, community banks etc.1992-

BROADVIEW SAVINGS BANKPresident and CEOCleveland, Ohio1986-1990

FIRST NATIONWIDE FINANCIAL CORPORATIONAND FIRST NATIONWIDE BANKPresident and COO, DirectorSan Francisco, California1983-1985

FEDERAL RESERVE BANK OF ATLANTAFEDERAL RESERVE SYSTEM OF THE UNITED STATESPresident and CEO1980-1983

WELLS FARGO BANKSenior Vice PresidentSan Francisco, California1975-1980

AMERICAN BANKERS ASSOCIATIONExecutive Director and Chief EconomistWashington, DC1970-1975

TELECHECK SERVICES, INC.Senior Economic Advisor/ConsultantHouston, Texas1991-2002

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BUSINESS AND CONSULTING EXPERIENCE (CONT.)

CONSULTANT, IMF/WORLD BANK, SRI LANKA1992-93

CONSULTANT, NATIONAL CREDIT UNION ADMINISTRATION1992-93

PRIOR ACADEMIC AND RESEARCH EXPERIENCE

DENVER UNIVERSITYCollege of BusinessDean and Professor of FinanceDenver, Colorado1990-1991

TRANSYLVANIA COLLEGEProfessor, Business and EconomicsLexington, Kentucky1969-1970

TEXAS TECH UNIVERSITYAssociate Professor, EconomicsLubbock, Texas1968-1969

UNIVERSITY OF VIRGINIAAssistant Professor, EconomicsCharlottesville, Virginia1967-1968

RAND CORPORATION/ECONOMIC RESEARCH STAFF/CONSULTANTSanta Monica, California1965-1967

UNIVERSITY OF MICHIGANTeaching Fellow and InstructorAnn Arbor, Michigan

PRESENTATIONS TO ACADEMIC, PUBLIC, AND BUSINESS GROUPS

Over 300 presentations to local, national and international academic and business audiences. Also, see the attached list of recent TV and radio appearances forrelated information.

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MEDIA EXPERIENCE

Over 500 media contacts/appearances via national and statewide radio networks, newspaper citations and appearances on national TV news shows.See the attached list re recent major TV appearances.

PUBLICATIONS

Author of a Frederick A. Praeger book and over 100 published articles in academic and business journals, magazines and the financial press.

(See the attached list of publications.)

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WILLIAM F. FORD, PH.D. *

Professor William F. Ford holds the Weatherford Chair of Finance in the

College of Business at Middle Tennessee State University. He formerly

served as Dean of the Business School at the University of Denver;

President and CEO of the Federal Reserve Bank of Atlanta; President and

COO of First Nationwide Bank; Senior Vice President of Wells Fargo Bank;

and as Executive Director and Chief Economist of the American Bankers

Association. Dr. Ford often appears on nationwide and regional TV and

radio business news shows as an economic policy expert and served as

TeleCheck’s Senior Economic Advisor from 1990 – 2001. He has authored

or coauthored about 100 articles in business and academic journals, has

served on the boards of six corporations, NABE (the National Association

for Business Economics), and the U.S. Chamber of Commerce. Dr. Ford is

an elected Fellow of NABE and the Phi Beta Kappa Society. He also served

as MTSU’s representative on the Tennessee Lottery Task Force and received

MTSU’s Outstanding Public Service Award twice, in 1996 and 2004, and

the distinguished Research Award, in 1997. Also, in 2004, he received the

Tennessee Board of Regents’ (statewide) Academic Excellence Award for

managing the Weatherford Chair of Finance’s programs.

A veteran of the U.S. Navy Submarine Service, he earned his B.A. in

economics (summa cum laude), from the University of Texas; his M.A. and

Ph.D. degrees from the University of Michigan and is a graduate of the

Senior Executive Program at Stanford University’s Business School.

*Contact information: [email protected] or (615) 898-2889

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WILLIAM F. FORD

PUBLICATIONS

I. Refereed Journal Articles

“The Obese Smoker’s Wage Penalty”, Social Science Quarterly, Vol. 87, No.4, pp 863-881, December, 2006, (with Charles L. Baum and Jeffrey Hopper).

“The Unemployment Effects of Proposed Changes in Social Security’s Normal Retirement Age”, Business Economics, Vol. 41, No. 2, April, 2006, pp. 38-46, (with Franklin Michello).

“Has a Quarter of a Trillion Dollar Settlement Helped the Tobacco Industry?”, Journal of Economics and Finance, Vol. 28, Fall 2004, pp. 430-44, (with Stuart J. Fowler).

“The Wage Effects of Obesity: A Longitudinal Study.” Health Economics, 13, February, 2004, pp. 885-899, (with Charles L. Baum).

“Economic Implications of an Attack on Iraq”, Business Economics, Vol. XXXVII, October, 2002, pp. 75-77.

“The Effect of ‘The Senior Citizens’ Freedom to Work Act’ on Employer-Provided Pension Plans and Medical Plans”, Benefits Quarterly, second issue, 2002, pp. 65-72. (with Charles L. Baum and Richard L. Hannah).

“Economic Impacts of the World Trade Center and Pentagon Attacks”, Business Economics, Vol. XXXVI, No.4, October, 2001, pp. 75 - 77.

“The Effect of ‘Senior Citizens Freedom to Work Act of 2000’ on Delayed Retirement Incentives”, Labor law Journal, Spring, 2001, pp. 3-9, (with Charles L. Baum).

“Some Observations About the ‘Senior Citizens’ Freedom to Work Act of 2000”, Journal of Financial Service Professionals , January, 2001, pp. 72-79, (with Kenneth W. Hollman and Robert D. Hayes).

“How FASB’s Proposed New Merger Accounting Standards Will Affect Insurance Companies”, CPCU Journal, Volume 53, No. 4, Winter, 2000, pp. 215-222, (with Kenneth Hollman and Zabihollah Razaee).

“Proposed Accounting Standards on Business Combinations: Implications on the Business Community”, Management Accounting Quarterly, Fall, 2000, pp. 26-33, (with William Grasty and Zabihollah Razaee).

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“Economic Implications of the Human Genome Project (HGP)”, Business Economics, Vol. XXXV, No.4, October, 2000, pp. 57-59, (with Matthew J. Elrod-Erickson). “Economic Implications of ‘The Senior Citizens’ Freedom to Work Act of 2000’”, Business Economics, Vol. XXXV, No.3, July, 2000, pp 59-62.

“The Role of Internal Auditors in a Real-Time Accounting System”, Internal Auditor, April, 2000, pp. 62-67, (with Rick Elam and Zabihollah Razaee).

“A Primer on Internet Economics”, Business Economics, Vol. XXXIV, No. 4, October, 1999, pp. 42-50, (with Albert E. DePrince, Jr.). This article was awarded the Abramson Scroll, on September 12, 2000, at the annual convention of the National Association for Business Economics “In recognition of an outstanding feature article published in Business Economics”.

“Financial Services Industry Technology: Is the Y2K Challenge a Harbinger of Things to Come?”, Business Economics, August 1998, pp. 34-39 (with Albert E. DePrince, Jr.).

“The U.S. Treasury’s Inflation Protected Securities: Market Reactions and Policy Effects”, Business Economics, Vol. XXXIII, No. 1, January 1998, pp. 47- 53, (with Albert E. DePrince, Jr.).

“The Use of Inflation-Indexed Securities in the Life Insurance Industry”, Research Review (Journal of the Society of Insurance Research), December, 1997, pp. 17-20, (with Emily Norman Zietz.).

“The Impact of Proposed Flat Tax Programs on U.S. Financial Markets”, Business Economics, Vol. XXXI, No. 1, January 1996, pp. 29-34 (with Albert E. DePrince, Jr.).

“The Insurance Industry: Navigating the Sea of Change”, Business Economics, Vol. XXVIII, No. 4, October 1993, pp. 9-14 (with Albert E. DePrince, Jr.).

“The Changing Fortunes of Bank Economists”, Business Economics, Vol. XXVIII, No. 1, January 1993, pp. 50-55 (with Albert E. DePrince, Jr.).

“The Changing Role of the Federal Reserve in the Payments System”, Journal of Cash Management, Volume 3, No. 2, April/May 1983, pp. 12-19.

“Competition and Evolution in the Banking Industry”, a speech presented at the annual meeting of the National Association of Business Economists in San Francisco, October 11, 1976. Published in Business Economics, January 1977, pp. 38-42. Reprinted as “Required Reading” in the American Banker, December 2, 1976, pp. 4, 7-8. Also reprinted in Banker’s Viewpoint, Spring 1977, pp. 34-36.

“Corporate Profits, Bank Credit, and the Financial Outlook”, Business Economics, January 1976, pp. 56-60.

“Stretching Dollars for the Unemployed”, Journal of Home Economics, November 1975, pp. 34-36.

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“Monetary Policy Implications of the Hunt Commission Report”, Quarterly Review of Economics and Business, Autumn 1973, No. 3, pp. 93-103 (with John C. Tucillo).

“The Computer, the Broker, and the Stock Market: A Speculative Note”, Computers and Automation, April 1971, pp. 8-15 (with O. D. Bowlin and W. P. Dukes).

“Additional Evidence on the Social Characteristics of Riot cities”, Social Science Quarterly, September 1970, pp. 339-348 (with John H. Moore).

“Reply to Eatherly”, Social Science Quarterly, June 1970, pp. 178-180 (with Robert D. Tollison).

“Notes on the Color of the Volunteer Army”, Social Science Quarterly, December 1969, pp. 544-547 (Also with Tollison). Reprinted in Charles M. Bonjean and Louis A. Zurcher (eds.) Planned Social Intervention (San Francisco, Chandler Publishing Co., 1970, pp. 218-221).

II. Books & Book Chapters, Conference Proceedings and Other Published Manuscripts

“Smoking and Obesity”, Tennessee’s Business, Vol.16, No.2, 2007, pp.29-32 (with Charles L. Baum and Jeffrey D. Hopper).

“The Unemployment Rate Effects of Delayed Retirement Policies”, Proceedings of the Academy of Economics and Finance, forthcoming, (with Franklin A. Michello).

“The Obese Smoker’s Wage Penalty”, Proceedings of the Academy of Economics and Finance, February 2004, Vol. 28, pp. 55 – 64 (with Charles L. Baum and Jeffrey D. Hopper).

“The Obesity Wage Penalty”, Proceedings of the Academy of Economics and Finance, February 2003, Vol. 27, pp. 34-43 (with Charles L. Baum and Jeffrey D. Hopper).

“The Fed’s New Discount Mechanism: Implications for Community Bank Funds Managers”, Special Report, (Austin, Texas, Sheshunoff Information Services Inc.), March, 2003, pp. 1-8 (with Albert E. DePrince, Jr.).

“The World’s Most Profitable Company”, ABA Banking Journal, December, 2002, pp. 48-51, (with Albert E. DePrince, Jr.).

“The Academic Planning Implications of the ‘Senior Citizens’ Freedom to Work Act of 2000’”, Planning For Higher Education, Winter, 2001, pp. 20 - 26 (with Charles L. Baum).

“Implications of the Financial Modernization Act for U.S. Community Banks”, Special Report, (Austin, Texas, Sheshunoff Information Services Inc.), December, 1999, pp. 1-8 (with Albert E. DePrince, Jr.).

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“The New High Performers Stretch Their Lead”, ABA Banking Journal, November, 1999, pp. 36 – 39, 46 (with Albert E. DePrince, Jr. and Thomas H. Strickland).

“How the New Accounting Rules Will Affect Bank Mergers”, Special Report, (Austin, Texas, Sheshunoff Information Services Inc.), September, 1999, pp. 1-8 (with Zabihollah Razaee).

“Greenspan’s Deflation Speech in Perspective”, Special Report, (Austin, Texas, Sheshunoff Information Services, Inc.), February 1998, pp. 1-4 (with Albert E. DePrince, Jr.).

“Indexed Treasuries Will Spawn New Trust Products”, Banking, April 1997, pp. 61-62.

“Results of the Treasury’s First Issue of TIPS”, Special Report, (Austin, Texas, Sheshunoff Information Services Inc.), March, 1997, pp. 1-4 (with Albert E. DePrince, Jr.).

“1994: Another Record Setting Year for America’s Financial Industry”, Financial Industry Conference Proceedings, Middle Tennessee State University, 1995, p. 2.

Corporate Credit Union Network Investments: Risks and Risk Management (Alexandria, Va.: National Credit Union Administration, 1994), p.72 Co-authored by Harold A. Black, Albert E. DePrince, Jr., James R. Kudlinski, and Robert L. Schweitzer.

“The Public Policy Roots of recent Thrift Crises”, in Ideas, Their Origins, and Their Consequences: Lectures to Commemorate the Life and Works of G. Warren Nutter, (Washington, DC, American Enterprise Institute, 1988), pp. 209-31.

“Financial Franchise Teams: Can They Work?”, in Bankers Desk Reference, edited by Edwin B. Cox (Boston, Warren, Gorham & Lamont, 1985), pp. 96-106.

“Product Diversification”, in Identification and Control of Risk in the Thrift Industry, (San Francisco, Federal Home loan Bank of San Francisco, 1984), pp. 54-60.

“Looking Beyond the Current Recovery”, in Great Issues of 1983, (Troy, Alabama, Troy State University Press, 1984), pp. 107-120.

“Beyond the Current Recovery: Facing Our Structural Problems”, Economic Review, Federal Reserve Bank of Atlanta, July 1983, pp. 4-11. Reprinted as “Required Reading” in American Banker, June 6, 1983. Also reprinted in Vital Speeches of the Day, Volume XLIX, No. 21, August 15, 1983, pp. 654-659.

“Banking’s New Competition: Myths and Realities”, Economic Review, Federal Reserve Bank of Atlanta, January 1982, pp. 4-11. Reprinted as “Required Reading” in the American Banker, February 1, 1982, pp. 4, 6, 10, and 12.

“The Future of the Financial Services Industry”, Economic Review, Federal Reserve Bank of Atlanta, September 1981, pp. 32-33.

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“The Payments System of the 1980’s”, speech before the Second Annual Shared EFT Systems Conference, Atlanta, February 5, 1981. Published as a special monograph by the Federal Reserve Bank of Atlanta, February, 1981, 30 pp. Reprinted as “Required Reading”, American Banker, March 25, 1981, pp. 4, 8, 9, 18, 22, and 23.

“Where Are Banking Profits Headed As the Economy Plummets?”, Banking, June 1980, pp. 52 and 54.

“A Trip Into the Future With a Traveling Banker”, Banking, June 1980, pp. 105, 107, and 108.

“The Outlook for California’s Banking Markets in the 1980’s”, The Bankers Magazine, Volume 162, No. 5, September-October 1979, pp. 101-107, (with Willard F. Sprague). “A Indentificacao de tecnologias obsoletas em regioes avancadas e seu uso nas regioes atrasadas”, in Identificacao de Projetos (Rio de Janeiro, Zahar Editores, 1979), pp. 72-82. (co-authored with Ralph C.J. von Gersdorff; Fundacao Getulio Vargas).

“Story Behind Banking Industry’s Profits and Losses, 1972-80”, Banking, July 1979 ,pp. 54-55, 58, 60, and 62 (with Tim Howard).

“Using High-performance Data to Plan Your Bank’s Future”, Banking, October 1978, pp. 40-41, 43-44, 46-48, and 162.

“Bell Ringers” How 1,000 High-Performance Banks Weathered the Recent Recession”, Banking, April 1978, pp. 36-38, 41-42, 45, 48.

“Why Some (Savings and Loan) Associations Perform Far Above Average”, Federal Home Loan Bank Journal, November 1977, pp. 7-13 (with David L. Smith and Donald M. Kaplan). Excerpts appeared in the National Thrift News, October 27, 1977. Reprinted, in full, in National Savings and Loan League Journal, December 1977, pp. 11-15.

“The Competitive Environment Facing Savings and Loan Associations”, a speech presented to the Joint Meeting of the Boards of Directors of the Cincinnati and San Francisco Federal Home Loan Banks, at their San Francisco Office, December 8, 1976. Published as a monograph by the Federal Home Loan Bank, San Francisco, January 1977, 10 pp. Reprinted in the National Thrift News, January 6, 1977, pp. 1 and 21.

“How to Manage High Performance Banks”, Banking, August 1976, pp. 36- 38, 80-92 (with Dennis A. Olson).

“Competition in the Consumer Financial Service Markets”, (San Francisco, Federal Home Loan Bank of San Francisco, May 1975), pp. 24. Reprinted in The Money Manager, July 21, 1975, pp. 15, 16, and 43. Also reprinted as “Required Reading” in the American Banker, August 7, 1975, pp. 4, 6, 7, 10-12, and reprinted partially in Financial Intermediaries, An Introduction -Second Edition, by Benton E. Gup, 1980, pp. 409-410.

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“Banking on Our Banks”, Nation’s Business, April 1973, pp. 36-37. Reprinted in Wells Fargo Bank’s Business Review, September 1975.

“Profitability: Why Do Some Banks Perform Better Than the Average? An In-Depth Analysis”, Banking, October 1973, pp. 29-33, and 54.

“Where (and how) Thrift Institutions Are Moving Into Third-Party Payments”, Banking, October 1972, pp. 28-30, 82-84, (with Marylin G. Mathis, American Bankers Association).

“Environmental Pollution, the Terms of Trade and the Balance of Payments of the United States”, Studies in International Business Economics, Institute of International Studies, University of California at Berkeley, March 1971, pp. 23 (with Stephen P. Magee). Reprinted in Kyklos, Fasc. I, 1972, pp. 101-118.

Mexico’s Foreign Trade and Economic Development (New York: Frederick A. Praeger, 1968), 129 pp. plus appendices.

Commercio Exterior y Desarollo Economico de Mexico (Mexico City: Editorial Diana, 1968), 154 pp. plus appendices. (This is the Spanish edition of the above).

III. Articles in Trade Publications, Newspapers, etc.

“Katrina Moderates, But Does Not Derail, A solid Economic Expansion”, NABE Outlook, September 2005, pp 1-3 with (Kathleen Camilli, Carl Tannenbaum and Chris Varvares).

“‘Soft Patch’ to Pass, Leaving Fed More Work to Do”, NABE Outlook, May 2005, pp 1-3 with(Kathleen Camilli, Carl Tannenbaum, and Chris Varvares).

“Green Light for the Economy, but Red Ink to Persist”, NABE Outlook, February 2005, pp. 1-3, with (with K. Camilli, Carl Tannenbaum and Chris Varvares).

“Passing of Election Clears the Way for a Happy New Year”, NABE Outlook, November 2004, pp 1-3 (with K. Camilli, Carl Tannenbaum and Chris Varvares).

“President Bush Does Well on the Economy”, The Tennessean, pp 27a, 28a, Sunday, October 24, 2004.

“President Bush’s Economic Plans For The Next Four Years”, Tennessee’s Business, Vol. 14, #1, October 2004, pp. 16, 17 & 25.

“Soft Patch Will End, Better Traction Ahead”, NABE Outlook, October 2004, pp. 1-3, (with Carl Tannenbaum & Chris Vavares).

“Strong GDP Growth, More Jobs, Higher Inflation and Interest Rates”, NABE Outlook, May 2004, pp. 1-3, (with Carl Tannenbaum and Chris Varvares).

“A Clearer and Brighter (Economic) Picture: NABE Outlook, November 2003, pp. 1-3

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(with Carl Tannenbaum).

“Economy Kicking It Up a Notch”, NABE Outlook, September 2003, pp. 1-3, (with Carl Tannenbaum).

“Weatherford Chair of Finance”, Tennessee’s Business, Vol. 12, #3, September 2003, pp. 5-7.

“Fiscal Magic: How –9% Becomes +4.1%”, Guest Column, The Daily News Journal, July 13, 2003, p. A-5.

“Sheriff’s Spending Habits Break Rutherford County’s Speed Limit”, Guest Column, The Daily News Journal, June 30, 2004.

“Expansion Clearly on the Horizon”, NABE Outlook, May 2003, pp. 1-3 (with Carl Tannenbaum).

“Threat of War is Impeding Economic Recovery”, NABE Outlook, February, 2003, pp. 1-4 (with Carl Tannenbaum).

“Tennesseans Gamble Big Out-of-State”, The Daily News Journal, Guest Column, Monday, November 4, 2002, p. B-2.

“Reform Spending, not Taxes”, Guest Column, The Daily News Journal, June 20, 2002, p. A-7.

“Dealing with the Treasury’s Pay-Down of the National Debt”, Banker’s Economic & Investment Alert, (Austin, Texas, Sheshunoff Information Services Inc.), Vol. 7, No. 8, September 1999, pp. 3-5 (with Albert E. DePrince, Jr.).

“The Impact of Federal Budget Surpluses on Funds Managers”, Sheshunoff Banker’s Economic & Investment Alert, Vol. 7, No. 3, April 1999, pp. 2, 8 (with Albert E. DePrince, Jr.)

“Quality Spreads: A Funds Management Opportunity”, Bank Funds Management Report, Vol. 6, No. 10, November 1998, pp. 4, 8 (with Albert E. DePrince, Jr.).

“Is Your Bank Ready for the Year 2000?”, Bank Funds Management Report, Vol. 6, No. 6, July 1998, pp. 2, 7.

“What the Treasury’s Inflation Protected Bonds Mean for Funds Managers”, Bank Funds Management Report, Vol. 4, No. 10, November 1996, pp. 3-4 (with Albert E. DePrince, Jr.).

“Tennessee Banks Outperforming Nation”, The Tennessee Banker, Vol. LXXXVII, No. 8, August 1996, pp. 24-29 (with Robert Bartell, Jr., Thomas H. Payne and James Tripp).

“Will Treasury’s New Inflation-Adjusted Bonds Be Good For Bank Funds Managers?”, Bank Funds Management Report, Vol. 4, No. 6, July 1996, pp. 2, 8 (with Albert E. DePrince, Jr.).

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“Allocation Decisions in 1996 Under FAS 115”, Bank Funds Management Report , Vol. 4, No.2, March 1996, pp. 6-7 (with Albert E. DePrince, Jr.).

“Interest Rates in 1996: How Low Will They Dip?”, Bank Funds Management Report, Vol. 3, No. 11, December 1995, pp. 1, 6 (with Albert E. DePrince, Jr.)

“The Hard Part of the Economy’s Soft Landing”, Bank Funds Management Report, Vol. 3, No. 7, August 1995, pp. 1, 6 (with Albert E. DePrince, Jr.).

“Derivatives Have a Place, But Be Aware of the Risks”, Bank Funds Management Report, Vol. 3, No. 4, May 1995, pp. 3-5 (with Albert E. DePrince, Jr.).

“The Yield Curve and Economic Growth: Understanding The Relationships”, Bank Funds Management Report, Vol. 3, No. 1, February 1995, pp. 4-5 (with Albert E. DePrince, Jr.).

“Are Long-Term Interest Rates About to Peak?”, Bank Funds Management Report, Vol. 2, No. 10, November 1994, pp. 4-5 (with Albert E. DePrince, Jr.).

“Funds Managers Face Margin Squeeze and Competition for Funds”, Bank Funds Management Report, Vol. 2, No. 8, September 1994, pp. 3, 8 (with Albert E. DePrince, Jr.).

“1993: A Record Setting Year for America’s Financial Industry”, Tennessee’s Business, Vol. 5, No. 2, 1994, pp. 7-10.

“Banks Shorten Maturities and Decrease the Size of Their Treasury Securities Portfolios”, Bank Funds Management Report, Vol. 2, No. 2, March 1994, pp. 4-5 (with Albert E. DePrince, Jr.).

“Retail Holds Key to a Good Year”, in “Taking Stock in Tennessee”; The Tennessean; February 6, 1994, p. 17.

“Will Banks Change Their Mix of Loans and Securities in 1994”, Bank Funds Management Report, Vol. 1; No. 12, January 1994, pp. 2-3 (with Albert E. DePrince, Jr.).

“The Administration’s Interest Rate Forecast”, Bank Funds Management Report, Vol. 1, No. 10, November 1993, pp. 3-4 (with Albert E. DePrince, Jr.).

“An Overview of the Financial Industry’s Recovery”, Tennessee’s Business, Vol. 4, No. 1, 1993, pp. 3-4.

“Inflation is Down Again, But You Need To Be Wary”, Bank Funds Management Report, Vol. 1, No. 6, July 1993, pp. 3-4 (with Albert E. DePrince, Jr.).

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“The New Debt Securities Valuation Requirements: Deciding How to Proceed”, Bank Funds Management Report, Vol. 1, No. 5, June 1993, pp. 3-6 (with Albert E. DePrince, Jr.).

“Debt Management Strategy: The ‘Clinton Twist’”, Bank Funds Management Report, Vol. 1, No. 2, March 1993, pp. 7-9 (with Albert E. DePrince, Jr.).

“America’s Financial Industry Crisis: What Happened?”, Tennessee’s Business, Vol. 3, No. 1, September 1992, pp. 5-16.

“Orange County in the 1980’s”, speech before Town Hall Forum, Orange County, Santa Ana, California, April 1980. Published in Town Hall Journal, Volume 42, No. 20, Los Angeles, May 13, 1980.

“Are you Ready For New Competitive Challenges?” A speech presented to the Annual Stockholders Meeting of the Federal Home Loan Bank of Atlanta, Orlando, Florida, May 1977. Published in the Management Digest For Savings and Loan Executives, October 1977, pp. 5-10.

“The Less-Check, Less-Cash Society”, Nation’s Business, October 1973, pp. 45-56.

Plus various book reviews in academic and professional journals.

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William F. Ford

ACADEMIC AND PUBLIC SERVICE PRESENTATIONS(1992-Present)

2007 Presentation to The American Institute for Economic Research on “Career Paths

for Future Economists”, Great Barrington, MA, July, 2007. Presentation to The Society for Marketing Professional Services on “Outlook for

the U.S. Economy & the Construction Industry”, Adventure Science Center, Nashville, TN, May 21, 2007.

Presentation to the Roofing Industry Alliance for Progress on “The Economic Outlook for the U.S. and The Commercial Construction Industry”, Pointe Hilton Squaw Peak Resort, Phoenix, Arizona, April 27, 2007.

Presentation to the Financial Management Association on “The U.S. Economic and Banking Outlook”, Middle Tennessee State University, Murfreesboro, TN, February 22, 2007.

Presentation to the Tennessee Bankers Association’s Annual Credit Conference on “The Outlook for the U.S. Economy and Tennessee’s Banks”, Nashville Renaissance Hotel, February 9, 2007.

Presentation to the SPRI annual convention on “The Economic Outlook for the U.S. and the Construction Industry”, Rancho Bernardo Inn, San Diego, California, January 13, 2007.

2006 Presentation to the Nashville District Dietician’s Association on “The Wage

Penalties of Smoking and Obesity”, David Lipscomb University, December 7, 2006.

Presentation to the Risk Management Association on “The Outlook for the U.S. Economy and Tennessee”, Franklin, TN, November 9, 2006.

Presentation to Professor O’Neal’s Class on “How Interest Groups, The Media and Politicians Interpret Economic News”, Middle Tennessee State University, Murfreesboro, TN, November 15, 2006.

Presentation to The Middle Tennessee Chapter of RMA on “Outlook for the U.S. Economy, Fed Policy & Tennessee Banks”, The Life Sciences Center, Cool Springs, TN, November 9, 2006.

Presentation to University 1010 Class on “Investing For Your Future”, Middle Tennessee State University, Murfreesboro, TN, October 31, 2006.

Presentation to the American Institute for Economic Research on “The Outlook for the U.S. Economy and Federal Reserve Policy”, Great Barrington, MA, October 13, 2006.

Two Presentationes to WPS Energy Services, Inc. on “The Economic Outlook for the U.S. Economy and the Energy Industry”, Madison and Green Bay, Wisconsin, October 4 & 5, 2006.

Presentation to the Financial Planning Association on “The Outlook for the U.S. Economy and Financial Markets”, Willis Conference Center, Nashville, TN, September 28, 2006.

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Presentation to the Murfreesboro Rotary Club on “The Economic Outlook for the U.S. and Rutherford County”, Stones River Country Club, Murfreesboro, TN, September 19, 2006.

Presentation to Tennessee Bankers Association’s Leadership Convention on “Economic Outlook for the U.S. and Tennessee’s Banks”, Peabody Hotel, Memphis, TN April 25, 2006.

Presentation to SFSP (Society of Financial Service Professionals) on “Outlook for the U.S. Economy and the Financial Industries”, City Club, Nashville, TN, March 9, 2006.

Presentation to SPRI (Roofing Contractors) on “Economic Outlook for the U.S. Economy and the Construction Industry”, The Naples Beach Hotel & Golf Club, Naples, Florida, January 15, 2006.

2005 Presentation to Leadership Rutherford on “Outlook for the U.S. Economy &

Rutherford County”, Wednesday, October 5, Smyrna Airport Center, Smyrna, TN.

Presentation to the First Bank Advisors’ conference on “The Post Hurricanes Economic Outlook”, Tuesday, October 4, Greystone Country Club, Dickson, TN.

Presentation to the Equipment Leasing Association’s Credit Managers on “Outlook for the U.S. Economy and the Leasing Industry”, Monday, September 13, 2005, Harbor Place Hotel, Baltimore, MD.

Presentation to VolCorp on “Outlook for the U.S. Economy & America’s Credit Unions”, Friday, August 19, Embassy Suites, Nashville, TN.

Presentation to the Equipment Leasing Association on “Outlook for the Leasing Industry”, Monday, June 13, 2005, Westin Innisbrook Resort, Tampa, Florida.

Presentation to the 3rd Annual Community Bank Conference on “The Economic Outlook”, May 22, 2005, Minneapolis, Minnesota.

Presentation to the 17th Annual U.S. Energy Conference on “The Economic Outlook”, Friday, May 12-13, 2005, Kansas City, Missouri.

Presentation to the Equipment Leasing Association on “The Economic Outlook”, Monday, April 11, 2005, Kiawah Island, South Carolina.

Presentation to the Rutherford County Young Republicans on “Our Nation’s Economy, Rising Interest Rates and Social Security Reform”, Tuesday, April 5, 2005, Murfreesboro, Tennessee.

Presentation to the Middle Tennessee State University Honors Presentation Series on The Economic Costs of Terrorism”, Monday, February 28, 2005, MTSU, Murfreesboro, Tennessee.

Presentation to the Lawrence Jepson International Economics Symposium, on “The Global Economics of Aging”, The University of Northern Iowa, Cedar Falls, Iowa, February, 17, 2005.

Presentation to SPRI (Roofing Contractors), on “The Economic Outlook for the America and the Commercial Construction Industry”, Ocean Reef Club, Key Largo, Florida, January 15, 2005.

2004 Presentation to the Financial Planning Association of Middle Tennessee and the

Nashville Association Insurance and Financial Advisors on “The Economic

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Policy Outlook After the Election”, The Willis Conference Center, Nashville, Tennessee, October 20, 2004.

Presentation to the Missouri Valley Economic Association on “The Economic Policy Outlook After the Election”, Maxwell House Hotel, Nashville, Tennessee, October 15, 2004.

Presentation to the Cedar Stone Bank’s board of directors on “The Responsibilities of Directors of Newly Chartered Banks”, Mt. Juliet, Tennessee, September 21, 2004.

Presentation to Cool Springs Chamber of Commerce, The Factory Mall, on “The Economic Outlook”, Franklin, Tennessee, September 14, 2004.

Presentation to Volunteer Corporate Credit Union’s “Economic Forum”, Nashville Marriott Hotel, August 27, 2004.

Presentation to the Equipment Leasing Associations, Bank Leasing Conference on “The Outlook for the U.S. and the Equipment Leasing Industry”, The Park Hyatt Hotel, Washington, D.C., June 7-8, 2004.

Presentation to the Minnesota Community Bankers Forum on “The Outlook for the U.S. Economy: Before and After the Election”, Minneapolis, Minnesota, May 13, 2004.

Presentation to U.S. Energy Services, Inc. annual symposium on “The Outlook for the U.S. Economy and Commodity Markets”, Gateway Center Hotel, Ames, Iowa, May 12, 2004.

Presentation to the Nashville Society of Financial Analysts on “The Economic Outlook”, Hillwood Country Club, Nashville, Tennessee, April 21, 2004.

Presentation to the 2004 Bank Directors Assembly on “The Outlook for the U.S. Economy and America’s Banks”, Greensboro, North Carolina, March 29-30, 2004.

Presentation to The Society for International Business Fellows on “The Economic Outlook for The U.S. In the World Economy”, Nashville City Club, Nashville, Tennessee, March 23, 2004.

Presentation to Wilson Bank and Trust’s Board of Directors on “Outlook for the Banking Industry”, Hilton Hotel, Chattanooga, Tennessee, February 27, 2004.

Presentation to MTSU College of Business Economics Club, “Debate with Richard Hannah on Economic Policy”, February 18, 2004.

Presentation to the Annual Meeting of Academy of Economics and Finance on “The Obese Smoker’s Wage Penalty”, Biloxi, Mississippi, February 13, 2004.

Presentation to the Annual Meeting of Academy of Economics and Finance on “Intra-Family Mortgage Loans: A Framework for Evaluation”, Biloxi, Mississippi, February 13, 2004.

Presentation to Equipment Leasing Association’s CEO Forum on “The Economic Outlook for the U.S. Leasing Industry”, Arrowwood Lodge, Rye Brook, N.Y., February 2, 2004.

Presentation to SPRI (Roofing Contractors), on “The Economic Outlook for the U.S. Construction Industry”, Wigwam Resort, Litchfield Park, Arizona, January 19, 2004.

2003

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Presentation to The Greater Nashville Association of Realtors, on “The U.S. Economic and Election Year Outlook”, Caterpillar Center, Nashville, Tennessee, December 3, 2003.

Presentation to The TrustMark Seminar on Estate Planning in a New Era on “The U.S. Economic and Election Year Outlook”, The Richland Country Club, Nashville, Tennessee, November 12, 2003.

Presentation to The Tennessee Tax Structure Study Commission on “Alternative Approaches to Improving Tennessee’s Tax Structure”, The Owen Graduate School, Vanderbilt University, Nashville, Tennessee, October 23, 2003.

Presentation to The Smart Assets Investment Club on “The Economic Outlook”, Murfreesboro, Tennessee, October 20, 2003.

Panelist – MTSU College of Business Economic Outlook Conference, World Outreach Church, Murfreesboro, Tennessee, October 8, 2003.

Presentation to Leadership Rutherford on “Rutherford County in the World and National Economy”, National Guard Training Facility, Smyrna, Tennessee, October 1, 2003.

Presentation to Leadership Middle Tennessee on “The Economic Outlook for the U.S. and For Middle Tennessee”, MTSU, Murfreesboro, Tennessee, September 18, 2003.

Presentation to The Financial Planning Association of Middle Tennessee on “Outlook for the Economy and the Financial Markets”, David Lipscomb University, Nashville, Tennessee, August 20, 2003.

Presentation to Caterpillar Financial Services Corporation’s Annual Leadership Conference on “The Postwar Economic Outlook for the U.S. and the Construction Industry”, Loew’s Vanderbilt Plaza, Nashville, Tennessee, June 9, 2003.

Presentation to The Rutherford Communicators on “The U.S. Economic Outlook After the War In Iraq”, Corky’s Ribs and BBQ, Murfreesboro, Tennessee, May 21, 2003.

Presentation to Community Bank – Minnesota Valley on “The U.S. Economic Outlook After the War In Iraq”, The Southwest Minneapolis Marriott Hotel, May 8, 2003.

Presentation to MTSU’s Economics Club on “A Coming Attraction?? The Tennessee Lottery”, MTSU College of Business, Murfreesboro, Tennessee, February 11, 2003.

Presentation to The Tennessee Press Association on “The U.S. Economic Outlook: With and Without the Attack on Iraq”, The Sheraton Nashville Downtown Hotel, Nashville, Tennessee, February 6, 2003

Presentation to Commercial Roofing Industry’s (SPRI) 21st Annual Conference on The U.S. Economic Outlook For America and The Commercial Construction Industry”, PGA National Resort & Spa, Palm Beach Gardens, Florida, January 20, 2003.

Presentation to Leadership Brentwood on “The U.S. Economic Outlook: With and Without the Attack on IRAQ”, Pargo’s, Maryland Farms, Brentwood, Tennessee, December 12, 2003.

Presentation to Delta Kappa Gamma on “The U.S. Economic Outlook: With and Without the Attack on IRAQ”, MTSU James Union Building, Murfreesboro, Tennessee, December 07, 2003.

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Presentation to The Greater Nashville Association of Realtors on “The U.S. Economic Outlook: With and Without the Attack on IRAQ”, Caterpillar Center, Nashville, Tennessee, December 04, 2003.

2002 Presentation to The 2002 Contractors Acquisition Manager Workshop and

Symposium on “The U.S. Economic Outlook: With and Without the Attack on IRAQ”, Opryland Hotel, Nashville, Tennessee, October 30, 2002.

Presentation to The Fall 2002 Honors College Symposium on “The Economic Costs of Terrorism”, MTSU, Murfreesboro, Tennessee, October 28, 2002.

Presentation to Board of Directors First National Bank of Pulaski National Corporation on The Economic and Banking Outlook for Tennessee Community Banks”, Embassy Suites Hotel, Cool Springs, Tennessee, Saturday, October 19, 2002.

Presentation to Leadership Rutherford on “The Economic Outlook for the U.S. and Tennessee”, National Guard Training Facility, Smyrna, Tennessee, October 2, 2002.

Presentation to Leadership Middle Tennessee on “The Economic Outlook for the U.S. and Tennessee”, MTSU Alumni Center, Murfreesboro, Tennessee, September 19, 2002.

Presentation to Smyrna Rotary Club on “The Economic Outlook for the U.S. and Tennessee”, Smyrna Town Center, Smyrna, Tennessee, August 15, 2002.

Presentation to Franklin Breakfast Rotary Club on “The Economic Outlook for the U.S. and Tennessee”, Franklin, Tennessee, August 7, 2002.

Presentation to Sons of the American Revolution on “Tennessee’s Budget “Crisis”’, SRCC, Murfreesboro, Tennessee, May 14, 2002.

Presentation to 2002 Tennessee Bankers Association Leadership Convention on “The Outlook for the U.S. Economy and Tennessee’s Banks”, Nashville, Tennessee, April 16, 2002.

Presentation on “Faculty Research” to COB Faculty Research Seminar, MTSU, April 12, 2002.

Presentation on “Residential Real Estate Brokerage -------2010”, Academy of Economics and Finance Meeting, Pensacola Beach, Florida, February 15, 2002, (with Douglas Timmons)

2001 Presentation to Tennessee Business Round Table on “The Economic Impact of

the Attack on America”, Sheraton Hotel, Nashville, Tennessee, October 24, 2001 Presentation to Murfreesboro Noon Rotary Club on “The Economic Impact of

the Attack on America”, Stones River Country Club, Murfreesboro, Tennessee, October 23, 2001.

Presentation to Baird Symposium (Northwest Mutual Life Agents) “The Economic Outlook”, Evins Mill Conference Center, Smithville, Tennessee, October 15, 2001.

Presentation on “Class Action Litigation Qua Sales Taxation: The Tobacco Settlement Case” The Proceedings of the International Business & Economics Research Conference, Reno, Nevada, October 12, 2001, (with Stuart J. Fowler).

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Presentation to Leadership Rutherford on “The Economic Outlook for Tennessee and the Nation After the Attack”, National Guard Training Facility – Smyrna Airport, Smyrna, Tennessee, October 3, 2001.

Presentation to Leadership Middle Tennessee on “The Economic Outlook for Tennessee and the Nation After the Attack”, Leadership of Middle Tennessee Conference, MTSU, September 20, 2001.

Presentation to Franklin Noon Rotary Club on “The Economic Outlook for the U.S. and Tennessee”, Franklin, Tennessee, June 7, 2001.

Presentation to Brentwood Rotary Club on “Is This a Recession, or What?”, Brentwood, Tennessee, May 4, 2001.

Presentation to Lebanon Rotary Club on “The Economic Outlook for the U.S. and Tennessee”, Cumberland University, Lebanon, Tennessee, March 22, 2001.

Presentation to The Middle Tennessee Society of the Institute of Certified Financial Planners on “Financial Planning in the Year 2001 and Beyond”, David Lipscomb University, March 16, 2001.

Appeared on the Morning Line show, Channel 50, discussed “Job Opportunities for Senior Citizens”, March 12, 2001.

Presentation on “The Effect of “The Senior Citizens’ Freedom to Work Act of 2000” on Delayed Retirement Incentives” The Twenty-Eighth Annual Meeting, The Academy of Economic and Finance, Biloxi, Mississippi, February 14-17, 2001, (with Charles L Baum).

2000 Presentation to Leadership Franklin on “The Economic Outlook for the U.S. and

Middle Tennessee”, City Hall Board Room, Franklin, Tennessee, December 13, 2000.

Presentation to Leadership Rutherford on “Rutherford County in the World and National Economy ”, National Guard Training Facility – Smyrna Airport, Smyrna, Tennessee, October 4, 2000.

Presentation to the MTSU Honors Colloquium on “The Info-Eco Revolution”, MTSU, October 2, 2000.

Presentation to The Franklin Rotary Club on “The Economic Outlook for the U.S. and Tennessee”, Franklin, Tennessee, June 22, 2000.

Presentation to The Tennessee Mortgage Bankers Association’s Annual Convention on “The Economic Outlook for the U.S. and Tennessee”, Franklin, TN, May 8, 2000.

1999 Presentation to Tennessee Bankers Association 1999 Bank Security and Risk

Management Conference on “Risk Assessments for Internet Banking”, Nashville Airport Marriott Hotel, Nashville, Tennessee, November 3, 1999.

Presentation to MTSU Young Republicans Club on “The Economic & Political Outlook”, Logans Roadhouse, Murfreesboro, Tennessee, October 26, 1999.

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Presentation to Leadership Rutherford on “Rutherford County in the World and National Economy ”, National Guard Training Facility – Smyrna Airport, Smyrna, Tennessee, October 6, 1999.

Presentation to the Rotary Club of Murfreesboro, “Internet Economics”, Boys & Girls Club, Murfreesboro, Tennessee, August 24, 1999.

Presentation to the Board of Directors, “M” Bank of Murfreesboro on “The Economic Outlook for the U.S. and Middle Tennessee”, Murfreesboro, Tennessee, April 7, 1999.

Moderated and managed the “Eighth Annual Financial Industry Outlook Conference”, Garden Plaza Hotel, Murfreesboro, Tennessee, April 5, 1999.

Presentationed the TeleCheck Annual Convention, Las Vegas, Nevada on “The Outlook for the U.S. Retail Industry”, March 17, 1999.

Presentation on “High Performance Banks What Has Changed Over the Last two Decades?” The Twenty-Sixth Annual Meeting, The Academy of Economic and Finance, Little Rock, Arkansas, February 10-13, 1999, (with Albert E. DePrince, Jr. and Thomas H. Strickland).

Appeared on Carol Fowler’s show, WHRT-Channel 27, discussed “The Economic Outlook for Middle Tennessee”, January 25, 1999.

1998 Appeared on Channel 50, The Chris Clark Show (one hour), discussed “The

Economic Outlook for the U.S. and Tennessee”, December 29, 1998. Presentation to the Oakland Kiwanis Club on “The Economic Outlook”, Stones

River Country Club, December 10, 1998. Presentation to MTSU Finance Students on “The Outlook for Financial Industry

Careers in the 21st Century ”, Fall 1998 Financial Industry Symposium, MTSU, October 12, 1998.

Presentation to Leadership Rutherford on “Rutherford County in the World and National Economy ”, National Guard Training Facility – Smyrna Airport, Smyrna, Tennessee, October 7, 1998.

Presentation to The Middle Tennessee Society of Institute of Certified Financial Planners on “Financial Planning in the Year 2000 (Y2K) and Beyond”, David Lipscomb University, Nashville, Tennessee, September 18, 1998.

Presentation on “Budget Surplus Management Policy: A Supply-Side Approach”, The Western Economic International Association Conference, Lake Tahoe, Nevada, June 29, 1998 (with Albert E. DePrince, Jr.).

Presentation to the Smyrna Airport Authority on “The Economic Outlook for Middle Tennessee”, Smyrna, Tennessee, April 23, 1998.

Presentation to South Carolina Economics Clubs on “The U.S. Economic Outlook”, Greenville, South Carolina, April 22, 1998.

Presentation to Nashville’s West End United Methodist Church Study Group on “The Economic & Moral Condition of America”, Nashville, Tennessee, April 19, 1998.

Presentation to honor students from Science Hill High School of Johnson City on “The Economics of the Holocaust”, MTSU, February 23, 1998.

1997

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Presentation on “The U.S. Economic and Housing Sector Outlook”, Tennessee Mortgage Brokers Association (TMBA), Nashville, Tennessee, October 6, 1997.

Presentation to the Leadership Rutherford Class of 1997, Smyrna Airport Training Center, on “The Outlook for Rutherford County”, October 1, 1997.

Presentation on “The U.S. Treasury’s Inflation Protected Securities: Market Reaction and Fiscal Effects”, 39th Annual Meeting, National Association of Business Economists, September, 1997 (with Albert E. DePrince, Jr.).

Presentation on “Inflation Protected Bonds: An International Comparison”, The Western Economic International Association Conference, Seattle, Washington, July 12, 1997 (with Albert E. DePrince, Jr.).

Presentation on “Economic Outlook for Rutherford County”, Murfreesboro Junior League, First American Bank Tower, Murfreesboro, TN, May 17, 1997.

Presentation on “Managing the Time of Your Life”, presented at the MTSU Honors Colloquium, MTSU, April 14, 1997.

Presentation on “The Economic Outlook for 1997” , Brentwood Rotary Club, Maryland Farms, Brentwood, TN, January 17, 1997.

1996 Presentation on “How to Handle Money In Your Life”, to MTSU Student

Athletes, Stark Agricultural Center, MTSU, October 23, 1996. Presentation on “The U.S. Economic and Housing Sector Outlook”, Tennessee

Mortgage Brokers Association (TMBA), Maryland Farms, Brentwood, TN, October 22, 1996.

“The Chair of Finance at MTSU”, a 30 minute dialogue with Ralph Vaughn on Cable Channel 9’s One on One show, October 21, 1996.

Presentation to the Emerging Leaders Institute, MTSU, on “Managing the Time of Your Life”, October 3, 1996

Presentation to the Leadership Rutherford Class of 1996, Smyrna Airport Training Center, on “The Outlook for Rutherford County”, October 3, 1996.

Presentation to the Southeastern School of Banking, Owen Graduate School of Management, Vanderbilt University, on “The Changing Bank Environment”, July 17, 1996.

Presentation on “The Privatization of Currency and Seigniorage”, The Western Economic International Association Conference, San Francisco, CA, July 1, 1996 (with Albert E. DePrince, Jr.).

Presentation on “The Economic Future of Rutherford County”, Women’s Club of Murfreesboro, Murfreesboro, TN, March 25, 1996.

Presentation on “The Past, Present and Future Roles of the Federal Home Loan Bank System”, The Federal Home Loan Bank of Cincinnati’s Planning Conference, Memphis, TN, March 20, 1996.

Presentation on “Money Talks”, University Honors Presentation Series, MTSU, Murfreesboro, TN, January 29, 1996.

1995 Presentation on “The Economics of FAS #115: Marking Bank Securities

Portfolios to Market”. Midsouth Academy of Economics and Finance, Biloxi, MS, February 1995.

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Presentation on “1994: Another Record Setting Year for America’s Financial Industry”, Financial Industry Conference, MTSU, April 24, 1995.

Presentation on “The Economic Outlook”, LaVergne Rotary Club, Smyrna Town Center, August 22, 1995.

Presentation on “The Impact of Proposed Federal Tax Reforms on U.S. Financial Markets”, National Association of Business Economists (NABE) Annual Convention, San Francisco, CA, August 22, 1995.

Presentation on “The Economic Outlook for Middle Tennessee”, Leadership Rutherford, Murfreesboro, TN, October 4, 1995.

Presentation on “The Outlook for U.S. Financial Industries”, International Association of Financial Planners meeting, David Lipscomb University, Nashville, TN, October 19, 1995.

Presentation on “The Outlook for America’s Economy and its Housing Sector”, Tennessee Mortgage Bankers Association, Maryland Farms, Brentwood, TN, October 24, 1995.

1994 Presentation on “The Economic Outlook”, Tennessee Trucking Association,

Annual Statewide Meeting, Nashville, TN, March 23, 1994. Presentation on “The Changing Bank Environment”, Tennessee Bankers

Association’s Tennessee School of Banking, Annual Meeting, Nashville, TN, July 1994.

Presentation on “The Financial Industry’s Outlook”, MTSU’s 1994 Financial Industry Conference, MTSU, April 22, 1994.

Presentation on “The Long-Term Outlook for Middle Tennessee”, Leadership Rutherford Conference, Murfreesboro, TN, Oct. 5, 1994.

Presentation on “The Role of Women in our Region’s Economic Development”, Jr. Service League Meeting, Murfreesboro, TN, Oct. 10, 1994.

1993 Presentation on “Recovery of Credit Quality in the Banking Industry”, TBA’s

Annual Credit Conference, Nashville, TN, February 16, 1993. University Honors Presentation Series, “Money, Privacy, and Authority in the

21st Century”, MTSU, Murfreesboro, April 12, 1993. Invited Presentation on “Outlook for the Banking Industry”, ETSU College of

Business, April 26, 1993. Presentation on “Financial Industry Outlook”, MTSU/TV-8, May 7, 1993. Presentation on “The Financial Industry’s Recovery”, MTSU’s 1993 Financial

Industry Conference, MTSU, May 21, 1993. Presentation on “Outlook for the Retailing Industry”, International Conference

of Shopping Center Managers (ICSM), Nashville, TN, June 17, 1993. Presentation on “The Long-Term Outlook for Middle Tennessee”, Leadership

Rutherford, Murfreesboro, TN, October 6, 1993. Presentation on “The Role of Women in our Region’s Economic Development”,

Jr. League Meeting, Murfreesboro, TN, October 11, 1993.

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Presentation on “Future of Independent Banking in Tennessee”, Tennessee Bankers Association, Independent Bankers Annual Convention, Nashville, TN, December 1993.

1992 Presentation on “The Economic Outlook for America and Tennessee”,

Tennessee Society of CPAs’ Industry, Government and Education Seminar, Opryland Hotel, Nashville, May 15, 1992.

Presentation on “The Outlook for America’s Thrift Institutions”, Tennessee League of Savings Institutions, Management Conference, Fairfield Glade, Crossville, May 31-June 1, 1992.

Presentation on “The Marketing of Business Economics and Economists”, The National Association of Business Economists (NABE), Annual Convention, Dallas, Texas, September 12-14, 1992.

Presentation on “What’s Next? The U.S. Economic Outlook After the Election”, Kiwanis Club, Nashville, TN, September 18, 1992.

Presentation on “The Election and the Economic Outlook”, National Association of Credit Managers, Nashville, TN, September 24, 1992.

Presentation on “The Economics of Rutherford County: 2000 A.D.”, Leadership Rutherford, Murfreesboro, TN, October 7, 1992.

Presentation on “The Economic Outlook After the Election”, Brentwood Rotary Club, Maryland Farms, Brentwood, TN, November 20, 1992.

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William F. FordMajor TV Appearances

2002 – Present

08/17/07, CNBC-TV, “The Larry Kudlow Show” 08/17/07, CNBC-TV, “The Call” 08/10/07, CNBC-TV, “The Larry Kudlow Show” 08/07/07, CNBC-TV, “Morning Call” 08/06/-7, Bloomberg TV, “On the Economy’ 06/28/07, Bloomberg TV “On the Economy” 06/06/07, Bloomberg TV “Evening Edition” 03/21/07, Bloomberg TV, “On the Economy” 02/14/07, Bloomberg TV, “Morning Call” 01/31/07, Bloomberg TV, “On the Economy” 01/31/07, CNBC-TV, Morning Call” 12/12/06, CNBC-TV, “Morning Call” 12/12/06, Bloomberg TV, “On the Markets” 08/29/06, Bloomberg TV, “On the Economy” 08/24/06, Bloomberg TV “Morning Call” 08/08/06, CNBC-TV, “Street Signs” 08/04/06, Fox-17 News, “The Tax Holiday” 07/19/06, Bloomberg TV, “Morning Call” 06/29/06, Bloomberg TV, “ Market Line” 06/28/06, CNBC-TV, “Morning Call” 06/14/06, Bloomberg TV, “On the Economy” 05/10/06, Bloomberg TV, “On the Economy” 04/27/06, Bloomberg TV, “On the Economy” 04/05/06, WMOT-TV, “Immigration Issues” 03/28/06, Bloomberg TV, “Market Line” 01/31/06, CNBC-TV, “Street Signs” 01/30/06, Bloomberg TV, “Morning Call” 12/27/05, Fox-17 News 12/13/05, Bloomberg TV, “Market Line” 12/13/05, CNBC-TV, “Morning Call” 10/25/05, CNBC-TV, Squawk Box 10/24/05, Fox-17 News, Evening News Hour 10/11/05, Bloomberg TV, “Market Line” 10/12/05, CNBC-TV, “Morning Call” 09/20/05, Bloomberg TV, “Market Line” 09/20/05, CNBC-TV, “Morning Call” 08/09/05, CNBC-TV “Street Signs” 07/08/05, Bloomberg TV, “Market Line” 06/29/05, CNBC-TV, “Street Signs” 06/09/05, WMOT-TV, “Inside Academia” 06/08/05, CNBC-TV “Street Signs” 06/03/05, Bloomberg TV, “The U. S. Jobs Report” 05/06/05, Bloomberg TV, “Morning Call” 05/03/05, CNBC-TV, “Wake-up Call”

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03/18/05, CNBC-TV “Squawk Box” 03/18/05, CNBC-TV, “Morning Line” 02/01/05, CNBC-TV, “Street Signs” 12/14/04, Bloomberg Television, “In Focus” 12/12/04, Channel 5 “Inside This Week” (Chris Clark) 12/11/04, Channel 5 “Inside This Week” (Chris Clark) 12/10/04, Channel 5 “Inside This Week” (Chris Clark) 12/09/04, Fox News, Channel 17, 9 p.m. News 11/10/04, Bloomberg Television 11/09/04, CNBC-TV, “Street Signs” 10/20/04, WNPT, Nashville Public TV, “Employment Issues” 10/04/04, CNN/fn, “Flip Side” 10/04/04, CNBC-TV, “Opening Bell” 09/08/04, CNBC-TV, “Street Signs” 09/08/04, CNBC-TV, “Morning Call” 08/10/04, CNBC-TV, “Street Signs” 07/1/04, CNBC-TV, “Squawk Box” 06/30/04, Bloomberg Television, “Morning Call” 05/07/04, TV Channel 9, “The Bush Presidency” (Program # 165) 05/06/04, Bloomberg Television, World Financial Report 05/05/04, CBS Channel 2, “Consumer Prices” 05/04/04, CNBC-TV, “Closing Bell” 04/30/04, TV Channel 9, “Critical Economics Issues” (Program # 164) 03/31/04, Fox-17 News, “Rising Gasoline Prices” 03/16/04, CNN/fn, Business News 03/15/04, Bloomberg Television, “Morning Call” 01/29/04, Bloomberg Television, “World Financial Report” 01/28/04, CNBC-TV, “Closing Bell” 01/28/04, CNN/fn, “Money Morning” 01/06/04, Channel 5, “Open Line” (Scott Couch) on Tax Reform Issues 12/09/03, CNN/fn, “Market Call” 12/09/03, CNBC-TV, “Street Signs” 11/23/03, Fox-17 Evening News 10/28/03, CNBC-TV, “Open Exchange” 09/16/03, CNBC-TV, “Open Exchange” 08/12/03, CNBC-TV, “Open Exchange” 08/01-03/03, Channel 5 “Inside This Week” (Chris Clark) 06/25/03, CNBC-TV, “Open Exchange” 05/06/03, CNBC-TV, “Business Center” 03/30/03,Channel 5 , “Nashville’s Business” 03/29/03, Channel 5, “Nashville’s Business” 03/28/03, Channel 5, “Nashville’s Business” 03/19/03, CNBC-TV, “Squawk Box” 01/29/03, CNBC-TV, “Squawk Box” 12/10/02, CNN/fn, ‘Money & Markets” 12/10/02, CNBC-TV, “Power Lunch” 11/7/02, Bloomberg TV, “Morning Call” 11/06/02, CNBC-TV, “Squawk Box” 10/22/02, CNBC-TV, “Squawk Box”

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09/25/02, CNBC-TV, “Squawk Box” 09/06/02, CNN/fn, “Money & Markets” 08/13/02, CNBC-TV, “Closing Bell” 07/28/02, Channel 5, “Nashville’s Business”, Re: Stock Market 07/25/02, CNBC-TV, “Power Lunch” 07/03/02, Fox TV News 07/01/02, Fox TV News 06/25/02, CNBC-TV, “Closing Bell” 05/29/02, Fox-17 News 05/22/02, Fox-17 News 05/21/02, Fox -17 News 05/07/02, CNBC-TV, “Morning Call” 04/17/02, CNN/fn, “Money & Markets” 04/12/02, Channel 5 on Enron etc. with Wendy Stone 03/19/02, CNN/fn, “Money & Markets”

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