Wyoming Bankers Associtior Sep±ember 2014 · 2018. 4. 3. · Friday. September 19. 2014 7:00-8:00...

Wyoming Bankers Associtior Sep±ember 2014

UDcomin Live ConferencesfSeminarslWorkshopslc.nvention* 2014 WBA Consumer/Retail Banking Conference - September 18-19, 2014 - Riverton, WY* 2014 WBA IRA Seminars - October 8-9. 2014 - Casper, WY* 2014 Advanced Agricultural Lending Workshop - November 5-6, 2014 - benver, C0

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Schools‘ Schools of Banking: Principles of Commercial Lending School - October 20 - 24,2014*- Schools of Banking: Commercial Lending School - October 20-24, 2014*- GSBUMW: September 2014 OnlIne Seminars*

Other Education2014 Online Course Offerings Schedule — Pending new schedule

*Brochure enclosed - Call Cheryl for more information at 307/63B-51308 - Visit our Web site at www.wyominqbankers.com for the must current education bruchure.

, The Wyoming Bankers Association has scholarship opportunities available with the PCBS and GSBC,Contact Cheryl at 307-638-5008 or [email protected] for more Information.

Wyoming Bankers AssociaLon

Presents

Conference

September 18-19 2014Thursdag - Fridag)

‘Wind River Hotel & Casino10369 Hwy. 789Riverton, Wyoming

2014Consuiner/R

,,

Golf Tournament Wednesday, September 17, 2014 - Riverton Country- Club,4275 Country Club Dr. - 11:00 a.m. start. See Registration Form.

Thursday, September 18, 2014

7:30 a.m. Registration & Continental Breakfast— tudaL.u..aait Room

8:00 a.m. Welcome Remarks— tertaI.u,qe,t RoomWBA Consumer Credit Conference Chairman: Lonie Redfield, Sundance State BankMichael Geesey, Executive Director, Wyoming Bankers Association, Cheyenne

8:10-10:00 a.m. “Surviving QMIATR Standards & Staying Ahead of the Ctirve”Much of the industry’s attention is focused on the new Ability-to-Repay (ATR)/QualifiedMortgage (QM) Standards, which require financial institutions to demonstrate they have made areasonable and good faith determination, based on verified and documented information, that theconsumer has a reasonable ability to repay their loan. The lack of such documentation wascommon during the housing boom in the late 1 990s and early 2000s and was one of thecontributing factors of the housing collapse that began in 2007. With the CFPR ‘s heightenedscrutiny over these practices, a relapse is much less likely to occur. The ATR/QM rule is just oneof the new rules aimed at helping financial institutions close less risky loans.

Jesse Moore, AssociateHunton & Williams, Austin TX

10:00— 10:15 a.m. Refreshment Break

10:15 —12:00 noon “Business and Regulatory Aspects of Third Party Relationships”Vendor relationships and outsourcing have always been important to financial institutions.Additional regulatory scrutiny has been added to the mix. This session provides practicalstrategies for vendor selection and due diligence, as well as important terms and conditions tosatisfy compliance requirements. Vendor problems and escape routes will also be reviewed.Implications for banks are significant and will be discussed.

Robert Flowers, PartnerHunton & Williams, Dallas TX

12:00 noon Lunch —7ral.i Room

1:15 — 2:45 p.m. “Lending Compliance Update”This session will touch on the latest developments in ECOA, FCRA, TILA, & RESPA as definedby Congress and help you set the tone for your bank’s lending compliance culture.

Jesse Moore, Associate & Eric Flynn, AssociateHunton & Williams, Austin TX & Richmond VA

2:45 — 3:00 a.m. Refreshment Break

3:00 — 4:00 p.m. “Privacy Restrictions, Redaction and Loan Collections”“Privacy Restrictions and how to collect loan payoffs from non-obligated family member volunteerswithout violating state or federal privacy rules. This can include some entertaining role-playing.”

Frank Drake, AttorneySmith Debnam, Raleigh, NC

Evening on your own

Friday. September 19. 2014

7:00 - 8:00 a.m. Breakfast Buffet - 7raiitIa Roo,i

8:00 - 10:00 a.m. “Selected UCC Traps and Tripwires” - eMttaImt Roos.,“Lien creation, attachment, perfection, and enforcement including repossessions, in any lengthor depth of detail. That would include pitfalls and traps that have been built into the UniformCommercial Code for the benefit of consumer borrowers, including statutory penalties andautomatic liability for technical violations. Although this is state-law based, the law is theUniform Commercial Code, which has been adopted in all 50 states including Wyoming.”

Frank Drake, AttorneySmith Debnam, Raleigh NC

10:00 - 10:15 a.m. Refreshment Break

10:15 - 12:00 noon “Love Your Life—No Matter What!

Are you so busy taking care ofothers that you don ‘t have time to breathe?Are you tired, andfeel like you have lost your spirit?Do you feel like you are never Good Enough?Pennie will not only help you understand why this needs to change, but will give you hands ontools and techniques to relieve the sfress in life, teach you a new way to breathe and mostimportantly ignite that spark that bringsjoy to yourjourney.You may laugh, cry and even dance a little before it is over.., but, you will leave with a smile!

Pennie Hunt, Speaker/Author/Communicator of Life LessonsJourney Through, Cheyenne WY

12:00 noon Adjourn

2013-14 Consumer Credit CommitteeCHAIRMAN: LORRIE REDFIELD, SuNDANcE STATE BANK

Kerrrie Bohier, Cowboy State Bank-Sheridan

Brigit Booth, Jonah Bank of Wyoming-Casper

Janice Chasteen, First Interstate Bank-Gillette

Holly Crowley, First State Bank-Wheatland

Mark Edwards, The Bank of Gillette-Gillette

Arnie Griffith, First Northern Bank of Wyoming-Buffalo

Robert Hunt, Bank of Commerce-Rawlins

Sandy Sanderson, First Federal Savings Bank-Sheridan

flbout The Speaker,Jessie MooreJessie, Moore, Associate with Hunton & Williams. Jesse’s experiences include representingand advising clients in connection with trial and appellate litigation, acquisitions, sales, andother transactions, and legal and regulatory compliance issues. Jesse began his legal careeras law clerk to the Honorable Barbara J. Houser, Chief Judge of the United States Bankruptcy Court for the Northern District of Texas. In law school, Jesse interned for the HonorableDavid Puryear, Justice of the Texas Third Court of Appeals, and for the Fort Worth Divisionof the United States Securities and Exchange Commission.Robert FlowersRobert Flowers, Partner with Hunton & Williams. Robert’s practice focuses on the corporateand regulatory representation of commercial banks, thrifts, holding companies, and other financial institutions. Robert is experienced in the design, implementation and administrationof tax qualified and non-qualified retirement and compensation arrangements, including significant experience with arrangements subject to Code section 409A. He advises clients onregulatory compliance issues and regulatory aspects of third party relationships.Eric FlynnEric’s practice focuses on bankruptcy and creditors’ rights, loan workouts, corporate reorganization and commercial litigation. Eric served as a law clerk to The Honorable Ross W.Krumm, Chief Judge, United States Bankruptcy Court for the Western District of Virginia.Eric is admitted to practice in the U.S. Bankruptcy Court of the Western District of Virginia.

Franklin DrakeFranklin Drake has been a partner in the Raleigh, North Carolina law firm of Smith Debnam NarronDrake Saintsing & Myers since 1994, following a sixteen year practice specializing in creditor’srights, bankruptcy, and repossession law in Louisville, Kentucky.There, he was Senior Vice-Presidentof William Mapother’s law firm. Mr. Drake graduated from the University of North Carolina in 1975with a B.A. with honors and with his law degree in 1978. He has practiced in North Carolina, Kentucky, West Virginia and the federal courts of southern Indiana. For the last 30 years, he has lectured

regularly at practical training courses, bankruptcy and regulatory compliance programs and webinars. Sponsors includeNASCUS, CUNA, NAFCU, ACUIA, AACUL, NCUMA, state regulators and more than two dozen state credit unionleagues across the US. His articles on the practical application of laws and regulations to credit union procedures have appeared in state bar magazines, nationally distributed newsletters and on the Internet. For the past 31 years, Frank has advisedand represented most of the major secured and unsecured financers on secured lending, bankruptcy and regulatory compliance matters. He especially enjoys guiding his clients around compliance pitfalls and how NOT to get sued.

Pennie HuntPennie Hunt is an inspirational, entertaining, cutting edge and high content speaker. She is amember of the National Speakers Association and the President and founder of JourneyThrough, LLC. Her weekly blog, “Writings From The Corner of Spirit & Brave” is read bythousands of people worldwide. After a series of life changing events, Pennie left her careeras Executive Director of a state-wide nonprofit where she spoke locally and nationally onhealthcare recruitment. She now writes and speaks about how to change, heal and empower

your life! Pennie ‘s personal successes and challenges have shaped her grateful-for-it-all viewpoint. She has married her own life lessons with her gift of communication to follow her passion of helping others Journey Throughthis life with spirit, courage and compassion. Learn life changing strategies from Pennie’s own journey as sheteaches people how to Love Their Lfe — No Matter What!

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September 18-19, 2014 * Wind River Hotel& Casino (10369 HWY789) * Riverton, Wyoming

REGISTRATION FORM

__

I - - I I —

GOLF: (Conlimiation of your registration will be sent)

• Wednesday, September 17

• 11:00a.m. Start Time

• Riverton Country Club Golf Course (4275 Country Club D,)

• Registration Fee $75 per person (includes £reen fees & 1/2 cart)

• Prizes sponsored by Central States of Omaha

• Golf deadline is 9/3/14 (no refunds after 9/3/14)

Golf Handicap or Average 18-Hole Score (Ifgolfing):

Spouse/Guest Golf Handicap or Average 18-Hole Score (Ifgolfing):

REGISTRATION FEE SUMMARY: (Confirmation of your registration will be sent)

INDICATE TYPE OF REGISTRATION-PER PERSON:i1 WBA Mcmber Rcgistration Fcc bcforc 9/1 $235 cii

___________

‘i WBA Member Registration Fee after 9/1 $255 ea. $

___________

D Non-Member Registration Fee before 9-1/after $6601680 ea. $

___________

Payment must be received prior to 9/1 to be eligible for the “early bird” discount.n Golf Tournament Pair with spouse/guest______ $ 75 ea. $

___________

TOTAL: $

PARTICIPANT INFORMATION: (Please type or print)

Name: Email:

Bank/Company:

Mailing Address:

___________________________________

City: State:

Phone: Fax: —

Zip:

.Golffonnat will be either a scramble or play own bail depending on the totalnumber ofgolfttgistrants. Team scoring will be based on best gross score.A foursome will be assigned acconling to handicap. However, if you wouldprefer to play with your spouse, please indicate below.

HOTEL:

ACCOMMODATIONS:Wind River Hotel —307/856-396410369 HWY 789, RivertonRates: Double Queens $8o+ 3%

Be sure to ask for the 2014 Consumer/Retail Banking Conference —mocks expire 912114

PLEASE RETURN REGISTRATION FORMS PRIOR TO SEPTEMBER 3rd TO:Wyoming Bankers Association • P.O. Box 2190 • Cheyenne, WY 82003• Fax: (307) 638-5013

Register online at www.wyomingbankers. corn/education. aspQuestions? Please contact the WBA at (307) 638-5008 or cherylwyomingbankers.com

CONFERENCE & GOLF REGISTRATION DEADLINE IS SEPTEMBER 3rd, 2014. $50CANCELLATION FEE--NO REFUNDS AFTER SEPTEMBER 3rd-SUBSTITUTIONS ARE

ENCOURAGED.

When understanding IRAs, do you ever feel like youare on a treadmill to nowhere? You put in the time andthe miles but you never cross the finish line towardsactual comprehension.

If the answer to these questions is a resounding “Yes”,this IRA School is for you.1. At the first turn you will be learning the basic terms

and forms used to create IRA plans.2. The second turn has you picking up knowledge of

the IRA plan types.3. Racing towards the third turn will teach you how to

move IRAs from Qualified Plans and lRAs to IRA.IRA Rollover rules have big changes effective2015!’

4. Finally, as you make the fourth turn towards thefinish line, you will master the complicated areas ofIRA Distributions and IRS reporting.

Whether you are looking to gain basic knowledge ofIRAs, raise your comfort level or sharpen your skillswith the most up-to-date rules and regulations, thisschool is for you! Each participant will receive the 275-page Sunwest Training IRA Training and ReferenceManual — the “Red Book”.

The agenda for each day is as follows:

Day 1: IRA Basic Issues• IRA Terminology. Explanation of IRA Foms (not forms specific — please

bring your own forms including Application, Contributionform, Distribution, Rollover Review or Certification andany other commonly used forms)

• Beneficiary Designations including Primary andContingent, Trusts and Estates

• Qualifications, Contribution Limits and other regulationsfor a:

- Traditional IRA- Roth and Conversion Roth- SEP IRA’s- Coverdell Education Savings Accounts- Brief Overview of Rollovers and Transfers

Day 2: IRA Intermediate IssuesHealth Savings Accounts

Qualified Plan Rollovers to a Traditional or Roth IRA- Direct vs. Indirect

• IRA Rollovers and Transfers —New once-per-I 2-monthrule clarifications

• Distributions- Before age 59 %-After age 70%-7 Biggest Mistakes of IRA Beneficiary Requirements

• Overview and Explanation of IRS Reporting Requirements.

• Plus any updated changes to IRAs proposed and enacted for 2015.

Each day can be attended independently, but for a more comprehensive learning experience, both days are recommended.

Who ShouldAttend?New Account Representatives, Certificate of Deposit Personnel, Savings Counselors,Accountholder Service Representatives, Investment and Trust Personnel who arenewly involved in the opening, selling, marketing, or administration of IRAs. Anyofficer/manager who “oversees” the IRA department and may be responsible foranswering IRA accountholders questions or concerns but does not actually open IRAaccounts. Experienced IRA Personnel who like a slower pace workshop to cover allthe new changes in a comprehensive manner.

SpeakerPatrice M. Konarik is president of Sunwest Training Corp. fou nded over 20 years agoand is located in the Texas Hill Country near San Antonio, Texas. With over 30 yearsexperience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and Webinars onthese subjects on a nationwide basis. She has a BS in Management Science fromNew York’s Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics.Patrice’s upbeat personality and former banking experience easily encourages interaction and questions during the training sessions.

You are encouraged to bring a sample of the IRA forms your financial institution is currently using including application, contribution

thstribution m ereworcerhficationforn jRegistration InformationName/Title:_______________

Bank/Firm:

Phone: Fax:

Mailing Address:..

City/State/Zip:_

Email:

Registration Fees—DAY I—DAY 11—Or Both Daysci Registrant—Day I OR Day II $215 (non-mbr $430)o Register for Day I & II & SAVE!!’ $380 (non-mb,’ $760)

Check one:Attending Day I Attending Day II ONLY,_______ Attending Both0oys___

Payment Options:• Payment by Check: (mall to)

Wyoming Bankers Association, Inc.P0 Box 2190, Cheyenne, WY 82003

• Send Invoice: fax registration to 307/638-5013• Register online at: www.wyomingbankers.com or directly at(https:llwww.reqonline.comllRAs)Hotel ReservationsOVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees.A block of rooms has been reserved for 10/7 & 10/8 at the RAMADA PLAZA —

Casper @ 300 West “F” Street, Casper, 307/23 5-2531. Be sure to ask for the roomrate of $72.00 under the Wyoming Bankers Assoc. Room Block. Room blockexpires SEPTFMBER 23, 2014.Cancellation DeadlinesNo refunds will be made after SEPTEMBER 23,2014—all cancellations are subject to a $25cancellation charge. Substitutions may be made at any time. An additional $25 cancellationfee applies to all credit card registrations regardless of date.REGISTRATION DEADLINE — September 23, 2014.

Individual Retirement AccountsThe Perpetual Race to IRA Expertise

Wed. & Thurs. October 8 & 9— 8:30 am - 3:00 pm - Ramada Plaza Riverside, Casper8:00 am -8:80 am Registration

Wyoming Bankers Assoc. Inc.

I

2014 AdvancedAgricultural Lending

Workshop

Program DescriptionThe transition and evolution of the agricultural landscape hasbeen fueled by the great commodity super cycle. Record high

commodity prices and land values are directly impacted byglobal and domestic economic variables, making agriculture ahigh stakes business. Now that the cycle is in transition, what

do lenders need to observe? How long will this super cycle

endure? How is the land value cycle similar, but different from

the past? How are the global influences impacting your loanportfolio and individual customers?

Many of your customers are in growth and evolution stages oftheir businesses. What are the key ratios, benchmarks, andrisk assessment modules that are necessary in managing risk

and credit? On the agricultural landscape, many new

producers are joining family operations or launching

businesses on their own. What are the lending metrics toassist these customers to handle economic shocks? What are

the factors to observe on balance sheets, income statements,

and cash flow statements that can provide insight on risk with

this new set of customers?

DAILY TRAINING TOPICS

Day 1—Wednesday, November 5th from 9am to 4pm

9am to 21m

Introductions> Ag Lending Refresher

Behaviors and Emotions> Global Economic Walk Around> Key Global Metrics and Growth Assessment> Great Super Cycle

Super Cycle Endurance Factors150 Year History of Land Value Bubbles or Bursts

) U.S. and Domestic Economy

• Lead and Lag Indicators

• Interest Rate Direction

Recovery/Recession

• Federal Reserve Action> Agricultural Lending Landscape‘ Risk and Opportunities

2 to 4pm

> Lending to Young Farmers> Benchmarks, Metrics and Indicators> Case Study of Actual Young Farmers Starting From

Scratch and Considering Expansion> Credit Risk Scorecard for Young Producers

DAILY TRAINING TOPICS CONT.

Day 2—Thursday, November 6th from 8am to 3pm

> Recap> Case Study of an Actual Farm Family in the Growth

and Evolution of Their Business, Phase I & II> Pitfalls of Growth—Credit Traps in the Super Cycle> Cornerstones of Growth and Evolution Utilizing Key

Ratios> New Risk Scorecard for Businesses in the Growth and

Evolution Phase> Servicing and Managing Accounts> Special Attributes of the Super Agricultural Banker

WHO SHOULD ATTEND?

This Workshop is a tune up for Ag lenders with 3 or moreyears of experience, and advanced learning for loanofficers and lending staff who want to upgrade their creditskills.

WHAT YOU WILL GAIN

• Insight into the latest global and domestic economictrends that will influence your customers’ financialsuccess and your agricultural portfolio.

• A new set of financial scorecards and risk assessmentmodels with the latest benchmarks and guidelines totake back and use to measure risk, price your credits,and monitor your borrowers’ performance.

• A special focus on case study application on a largergrowing agricultural operation, as well as a youngcouple that has started from scratch and is nowcontemplating the purchase of a neighboring farm.

‘tø

QUESTIONS? Contact Christine Bumgardner at 303-629-9662 or christinebcftws.org

BENEFITS OF ATTENDING

• Quality Education at a Reasonable Price! This cost-efficient Workshop is being facilitated a world-renowned expert in the industry, David Kohl, Ph.D.,right in your own backyard, saving you time andmoney.

• This Workshop is interactive, which creates anenvironment that empowers you to learn.

• You will receive a Certificate of Completion todocument your ongoing commitment to your bankingeducation.

• You will return to your bank a better asset and havenew and valuable tools and skills in the agriculturallending area.

Register for this 2-Day Advanced AgLending Workshop by WEDNESDAY,

OCTOBER 8th to attend at the

“EARLY” Tuition Rate of $600. Tuitionwill increase by $50 after October 8th.Tuition includes continental breakfast

It does NOT include lodging.

10% Multiple Registration Discount Applies! Send

more than one person to the Workshop and SAVE an

additional $60 per person! Please register all attendees

at the same time to receive this discount.

CANCELLATION POLICYCancellations received in writing prior to OCTOBER 8th

will be subject to a $100 withdrawal fee. NO Refunds

will be given after October 8th, although a substitute my

attend.

Hotel AccommodationsTuition DOES NOT include lodging. Students areresponsible for securing their own lodging. CFTWS hasreserved a block of room at the CROWNE PLAZADENVER INTERNATIONAL AIRPORT at a special grouprate of $109 per night plus tax for a King or DoubleQueen size room. Reserve your room by TUESDAY,OCTOBER 14, 2014 to receive the ‘discounted’ rate. Theavailability and rate cannot be guaranteed after October14th, therefore, early reservations are encouraged!

A link to make your reservations will be sent to you shortlyafter you register for the School.

Workshop FacilitatorDAVID M. KOHL, PhD.Dr. Kohl received his M.S. and Ph.D.degrees in Agricultural Economics fromCornell University. For 25 years, Kohlwas Professor of Agricultural Financeand Small Business Management andEntrepreneurship in the Department ofAgricultural and Applied Economics atVirginia Tech, Blacksburg, Virginia. Hewas on special leave with the RoyalBank of Canada working on advancedinitiatives for two years, and also

assisted in the launch of the successful entrepreneurship programat Cornell University. Kohl is Professor Emeritus in the Agriculturaland Applied Economics Department at Virginia Tech.

Kohl has traveled over 8 million miles throughout his professionalcareer! He has conducted more than 6,000 workshops andseminars for agricultural groups such as bankers, Farm Credit,FSA, and regulators, as well as producer and agribusiness groups.He has published four books and over 1,300 articles on financialand business-related topics in journals, extension, and otherpopular publications. Kohl regularly writes for Corn and SoybeanDigest, and other ag lending publications.

He has received 11 major teaching awards while teaching over10,000 students, and 18 major Extension and Public Serviceawards from Virginia Tech, Cornell University, and state andnational organizations. Kohl is a two-time recipient of theprestigious American Agricultural Economics Association’sOutstanding Teaching Award. Kohl is one of only five professors inthe nearly 100-year history of the Association to receive the awardtwice. He received the Governor’s award for his distinguishedservice to Virginia agriculture, the youngest recipient to receive thisaward. Kohl was recognized as one of 30 leaders who are thebrains behind innovative business management and economicinformation that agriculture uses today. He also has been namedone of 7 economists and bankers who challenge the status quo.

Kohl has addressed the American Bankers Agricultural Conferencefor 36 consecutive years, and has appeared before numerous statebankers’ schools and conferences throughout the U.S., Canada,Mexico, and the world. He has also been one of the top ratedinstructors at the LSU and Colorado Graduate Schools of Banking,and is Chancellor of Farm Credit University, which has trained over700 lenders using an online and face-to-face educational approach.

As facilitator of the United States Farm Financial Standards TaskForce and member of the Canadian Agricultural FinancialStandards Task Force, Dr. Kohl was one of the leaders inestablishing guidelines for the standardized reporting and analysisof agricultural producers’ financial information on a national andinternational basis. The Kohl Agribusiness Centre has beenestablished in the College of Agriculture and Life Sciences atVirginia Tech in honor of his long-term commitment to practicalteaching, research, and extension.

Training Investment

and lunch daily.

Registration Form Course No. N6916A1 F14

FAX: 303-629-1591 ONLINE: www.CFTWS.org/Education/Public Programs

MAIL: CFTWS, 1009 Grant St., #102, Denver, CO 80203 E-MAIL: infocftws.org

TRAINING INVESTMENT

EARLY Tuition Rate = $600* first person I $54O each additional person*Tuition will increase by $50 after October 8th.

Organization:

Street Address:

City/State/Zip Code:

Business Phone:

_______________

Cell Phone (in case of emergency):

E-Mail Address: —

Student Signature:

D1O% Multiple Registration Discount Applies—Additional Registration Form(s) attached.

1009 Grant St., Suite 102, Denver, CO 80203 • 303-825-1590 • 303-629-1591 (fax) • [email protected] • www.CFTTEXAS.org

CFTWS does not discriminate on the basis of race, color, gender, age, and national or ethnic origin.

IAdvanced Agricultural Lending Workshop

Name:

Title:

QUESTIONS? Contact Christine Bumgardnerat 303-629-9662 orchristinebcftws.org.

METHOD OF PAYMENT

TOTAL AMOUNT DUE $

TUITION PAYMENT OPTIONS:

*Authorized Signature for Billing:

O VISA/MC#:

WBA

0 *Bill Organization C Check enclosed (payable to CFT\NS)

Cardholder’s Name:

Signature:

Exp. Date_______________

Wyoming Bankers AssociationAchieving Unclaimed Property Compliance

Best Practices for the Banking IndustrySeptember 2, 2014

12:30 - 2:30 p.m. Mountain Time

Get ready for the fall escheat reporting season! When unclaimedproperty is not correctly managed, the risk of audits, fines and penaltiesbecomes a reality. This webinar will help you better manage and controlthis important compliance responsibility.

The normal, everyday operation of your institution results in thegeneration of unclaimed financial obligations, where customer accountsthat are not properly tracked and checks that are not cashed or remainoutstanding, may become reportable as unclaimed property.

When unclaimed property obligations are not correctly aged, managedand reported, the risk of state audits, subsequent fines and penaltiesbecome a distinct reality. Unclaimed property compliance is especiallycritical for financial institutions because it typically impacts their numberone asset: customer relationships. There are more than 100 propertytypes and 54 legal jurisdictions where you may have obligation to file anunclaimed property report.

Though it might initially seem overly complex and overwhelming, thereare some basic steps that you can take to help your institution becomemore compliant with the laws. This webinar provides an overview of thelaw and basic tips to better manage and control this importantcompliance responsibility. The program is being presented at the nationallevel and does not reflect any particular state’s law.

Highlights• History and Background of the Law• Where and How to File Your Reports• Property Types Applicable to the Law• Due Diligence Requirements• Determining and Tracking Dormant Accounts• Service Charges and Fees• Safe Deposit Box Contents• New Legislative Changes and Reporting Deadlines• Recent State Enforcement Efforts (Tracking Inactivity vs. RPO)• How to Prepare for/Avoid an Audit• Fines & Penafties• Best Practices & Tips for Retaining Your Customers/AccountsThis is a re-broadcast of our March 19, 2014 webinar

Why Participate?This program provides an overview of unclaimed property reportingrequirements, recent enforcement actions, legislative and legal updates,best practices and tips for filing reports, tracking accounts, retaining yourcustomers/accounts and more. It will help you and your bank:• Avoid Reputational Risk,• Avoid Prematurely Closing a Customer’s Accounts• Avoid fines and penalties,• Prepare for or Avoid an Audit

SpeakersValerie Jundt, Managing Director of Keane’ s Consulting & AdvisoryServices Group; Maureen Ferrari, Vice President of Operations, Keane andRebecca Adams CPA, CGMA Senior Manager, Keane

AudienceAnyone charged with the oversight, management and reportingresponsibilities associated with unclaimed property compliance; including

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistenng, email support @conferenceedge.com.

An On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (24/7). Anyone at your branch may access the programonline using the login. With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).

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Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments onlylEarlier registration allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].

Achieving Unclaimed Property ComplianceLive Webinar D$265 memOn-Demand Webinar D$280 mem

September 2, 2014D$53o nonmem$560 nonmem

operations officers, risk management, compliance and internal auditors.

Is it an ACH Audit? Is it an ACH Risk Assessment?What is the difference? Help! How do I get themdone? This informative and interactive webinar willanswer these questions and more.

Take steps to ensure that you are in compliance withthe NACHA Operating Rules and that you aresuccessfully navigating the audit and risk Assessmentrules. This interactive and informative session willhelp financial institution personnel understand how tocomplete an ACH audit. It will also dissect the ACHrisk assessment rules in order to help you understandthe steps involved.

HighlightsUpon completion of this program you will learn:

• The audit requirements for all ACHparticipants

• Steps to help you prepare for your annualaudit

• Where others have been non-compliant andhow not to make the same mistakes

• The importance of the ACH Risk Assessment• Areas of the Fl that should be included in the

ACH Risk Assessment

Make sure that your ACH audit and risk assessmentquestions are answered by attending this webinar!

PresenterMary Kate Co’e, AAP, CAE, principal of MK ColeConsulting, has nearly two decades of bankoperations experience. Currently, Kate is workingwith Management HQ as an Account Coordinatorand OffIce Manager. As Vice President of the UpperMidwest ACH Association, she was responsible formember education and problem solving as well asACH development projects. Kate has been active inseveral National ACH Association Rules WorkGroups over her career. She is a popular speaker atboth local and national conferences on electronicpayments related topics.

AudienceCompliance, audit, operations, risk management andsenior management.

ACH Risk Assessment & Audit September 3, 2014Live Webinar D$265 mem D$530 nonmemOn-Demand Webinar $280 mem D$560 nonmem

lncludes online access to a copy of the webinar for 6 months from purchasedate

We cannot guarantee registration for incomplete and/or illegible registrationforms received. Please complete the form and type or write carefully.

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Wyoming Bankers AssociationWalking Through the Maze of an ACH Audit & Risk Assessment

Webinar, September 3, 201412:30 - 2:30 p.m. Mountain Time

L

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet., smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQSA. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email supportconferenceedge.com.


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Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)Earlier registratIon allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or onIinJRegistration Questions: EmaIl: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].

Wyoming Bankers AssociationOverdraft Privilege Programs

Update & Review 2014Webinar, September 5, 2014


Where are we now? How do we continue to provide a neededservice and keep on the right side of regulations and guidance?This webinar explores the overall picture and on-going challengesof offering ODP.

Where are we now? Regulatory changes to Reg E and DO began ahuge shift in our industry regarding Overdraft Privilege Programs(ODP). This was followed by the 2010 FDIC Guidance which madeus review previous guidance in 2005. The lawsuits on ODP aboundand websites sprung up on how to join a class action suit againstyour bank. The environment for ODP was confusing and terrifyingat best.

So where are we now? What do we know? How can we continueto provide a needed service and keep on the right side of theregulations and guidance? And most important, what is right forthe bank in 2014--its customers and shareholders? This webinarwill look at the overall picture and some of the on-going challengesof offering ODP.

HihIights• A review of the laws and regulations• Risk assessment of this service• 2005 and 2010 Guidance• Third-party arrangements• Identification of types of overdraft payment programs offered• Examination procedures• Automated programs versus ad hoc• The lawsuits, UDAAP and the risks• Fees, follow-up, marketing and other related issues• Ending COP programs, limiting COP programs--what you can and

can’t do• Questions compliance officers ask about COP

PresenterDeborah Crawford is the President of Gettechnical mc, a Baton Rouge-based firm, specializing in the education of financial institutions across thenation. Her 27+ years of experience began at Hibernia National Bank inNew Orleans. She graduated from Louisiana State University with both herbachelor’s and master’s degrees. Debbie specializes in the education offinancial institution employees and officers in the area of deposit accountlaws, new account documentation, insurance, complex complianceregulations and IRAs.

AudienceCompliance officers, branch operations, training, security and all branchpersonnel.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may have

unlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confitmation uponregistering, email support @conferenceedge.com.



Transmission, retransmission or republishing of the audio portion of theseminar is prohibited. Your registration entitles you to 1 connection at 1location with permission to copy materials for participants, complete oneregistration per location.

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experience.

Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1,Online: http://support.omnovia .com; Seminar Content Questions:Contact TBA at (512)472-8388 or email [email protected].

Overdraft Privilege Programs Update & Review 2014Live webinar D$265 memOn-Demand Webinar* D$280 mem

September 25, 2014D$530 nonmemD$560 non mem

•Includes online access to a copy of the webinar for 6 months from purchasedate


Major guidelines and issues for reviewing residential appraisals, anoverview of regulatory requirements and more

An important part of the lending process is the role of residential propertiesas collateral, not only for first mortgages and home equity loans, but asadditional support for small business and commercial loans when pledgedby the business owner. This program covers the major guidelines andissues for reviewing residential appraisals, plus an overview of regulatoryrequirements and other issues.

Highlights• Key issues from the newest (December 2, 2010) Interagency

Appraisal and Evaluation Guidelineso The five minimum standards and what they really meano What is FIRREA? (and other regulatory guidelines,

including the new/revised appraisal guidelines issued in2010)

o Differences between residential and CRE appraisalso What about evaluations?

• Not just for loans below the $250,000 and$1,000,000 thresholds

• Evaluator must be qualified and independent• Evaluation components

• Home Valuation Code of Conduct (HVCC), Uniform Mortgage DataProgram (UMDP), Uniform Appraisal Data (UAD), USPAP January2014 appraisal definition changes, Reg Z/Truth in Lending (TIL)changes and other regulatory issues

• Pros and Cons of Appraisal Management Companies (AMCs)• Common reasons why “secondary market” rejects many appraisals

and properties• Key sections of Uniform Residential Appraisal Report (Form 1004)

o Listings for sale and active contractso Adverse site or property conditiono Adjustments to comparableso Cost approacho Growing importance of environmental issueso Listings as additional comparableso Market conditions addendumo Sample review form

• Reports that serve as evaluations, plus automated options• Issues with residential rentals

o Gross rents multiplier (GRM)o Operating Income Statement (Fannie Mae 216)o Small Residential Income Property Appraisal Report

(Fannie Mae 1025)

• Take advantage of the data: build an appraisal databaseSpeakerRichard Hamm has been training bankers for more than 20 years, includingboth creating and teaching courses for the ABA, the RMA, regional bankingschools, numerous state banking and community banking associations andindividual banks. While specializing in all phases of lending and credit, healso covers “top of the bank” issues and provides director training.AudienceConsumer lenders, residential mortgage specialists, private bankers,commercial lenders, credit analysts, CRE lenders, small business lenders,loan review specialists, special assets officers, lending managers, creditofficers and support personnel involved in the appraisal process.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected].


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•lncludes online access to a copy of the webinar for 6 months from purchasedate


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Three Ways to Register (Payment required to complete registration):ri /.vgx&.rn=v,y (u

day of evantlMall: Mail: completed form with check payable to ConferenceEdge

1516 Xavier St., Ste 500, Denver, CO 80204(Mall 10 days prior to event)

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments onlylEarlIer regIstration allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at

1

Wyoming Bankers AssociationReviewing Residential Appraisals

September 8, 201412:30 - 2:30 p.m. Mountain lime

Reviewing Residential AppraIsalsLive Webinar D$265 memOn-Demand Webinar° D$280 mem

September 8,2014

ass3oD$560 nonmem

(512)472-8388 or email [email protected].

[iL_

The Four C’s of Exceptional Supervision - September 9- 12:30-2:30 MTIf you need others to take direction from you in order to succeed, you willfind this program of tremendous value. It focuses on the techniques andstrategies required to handle your responsibilities successfully, while atthe same time, increase personal job satisfaction.

Supervisors must master the art of juggling: staff, schedules, meetings,compliance, goals, deadlines that won’t wait, ongoing training needs,serving as a backup for the employee that didn’t come in” the list goeson and on. We’ll discuss how to keep all the balls in the air withoutbreaking a sweat.

Ramp up your leadership skills and address the critical supervisory issuesnecessary to becoming an excellent manager. If you are ready to takeyour commitment and skill set to the next level register today, you will beeager to put to work what you learn! Highlights include:• Creating a Quality Workplace• Building Trust, Respect and Confidence• Excelling at Effective Communication• Understanding the Supervisors Essential Role in all Aspects of

Training• Supporting Change• Garnering Support at Every Level• Correcting and Addressing Behaviors and Choices that Don’t Work• Coaching - When, Why and How• Learning How to Handle-- Complaining, Whining and Gossip• Providing Performance Feedback• Improving Work Habits• Resolving Conflict• Encouraging Your Staff to be Self-Managed

AudienceEveryone in your organization with the responsibility to supervise, lead, developand manage others, or anyone being considered for a supervisory position.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactive features.The program may be viewed on moat devices (computer, tablet, smart phone). No specialhardware is needed; however, speakers or headphones are required. The program consists of105 minutes of instruction and 15 minutes live Q&A. Each Live Webinar registrationprovides one connection to the webinar, materials and access to the Os-Demand Webisarfor 30 days. You may have unlimited listeners on your connection. You will receive logininstructions and materials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected].

An On-Demand Webinar is a webinar that has been recorded and can be viewed at yourconvenience (24/7). Anyone at your branch may access the program online using the login.With an On-Demand Webinar, you have 6 months unlimited access to the program from thedate of purchase (access to the live webinar is not included).

Add [email protected] as a safe sender on your email or have your IT Administratoradd mail.confedge.com to the SPF records or to your email system whitelist to ensure thatyou receive emails from the registration system.

Transmission, retransmission or republishing of the audio portion of the seminar isprohibited. Your registration entitles you to 1 connection at 1 location with permission tocopy rnaterlais for participants. Complete one registration per location.

Please check all appropriate boxes:

Coaching for Exceptional Performance — SWZ-1008 Sept.17- 12:30-2:30 MTLive Webinar D$265 mem D$530 nonmemOn-Demand Webinar* D$280 mem D$560 nonmem*Includes online access to a copy of the webinar for 6 months from purchasedateWe cannot guarantee registration for incomplete and/or illegible registrationforms received. Please complete the form and type or write carefully.

Coaching for Exceptional Performance - September 17- 12:30-2:30 MTSession two delves even deeper into what it means to be an effectivesupervisor, mentor and coach on a more focused and individual basis. Theprogram introduces a seven step process that creates a framework thatensures success for both the employee and the coach:1. Convey Expectations 5. Commitment to Review2. Collaborate & Agree 6. Address Underperformance &3. Build a Performance Plan Reinforce Progress4. Establish Accountability 7. Recognize & Reward

This action packed, how-to webinar explores why coaching skills areessential. You will leave knowing what coaching is and when, where andhow it is applied. You will learn how to apply proven techniques thatmotivate and maximize performance. You will be exposed to practicaltools and best practices as you personally build your coaching skills in alltypes of circumstances.

Coaching for Performance consists of two major components. The firstbuilds a broad understanding of what it means to effectively put thecoaching process to work for you. The second addresses the differentstyles of coaching. You will learn how to dialog and process withmeaningful success in all types of coaching opportunities from the mostsimple to the more complex. You will leave this workshop knowing howto put coaching to work for you, your staff and your organization.

SpeakerHoney Shefton, InterAction Training

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E-mailThree Ways to Register (Payment required to complete registration):Onhine:hIIn:,/hsnkcrs.conrcd.c,m,snIwidstI’vcnI.cIrn!widsctKcy=29Ipul2,I.hsi(vozwue&cmy (up to the day of event)

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experience.

Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1,Online: http://support.omnovia.com; Seminar Content Questions:Contact TBA at (512)472-8388 or email [email protected].

Wyoming Bankers AssociationAchieving Supervisor Excellence

September 9 & 17, 201412:30 - 2:30 p.m. Mountain Time

dokitis -yrnii//aarnapos/tive raa/-war/dapproach toi,spi-/ngnthastoth/ivereoaryresuIts

The Four C’s of Exceptional Supervision —5W2-1033Live Webinar D$265 memOn-Demand Webinar* D$280 mem

Sept. 9-12:30-2:30 MTD$530 nonmem$56O nonmem

Wyoming Bankers Association

Deposit Regulations for the Frontline — 2014Webinar, September 11, 2014






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Deposit Regulations for the FrontlineLive Webinar D$265 memOn-Demand Webinar* D$280 mem

September 11, 2014$530 nonmemD$560 nonmem

dlncludes online access to a copy of the webinar for 6 months from purchasedate


Regulations D, E, DD & CC - Provide your entire frontline witha good review and update on the regulations that affectthem day-to-day.

Provide your entire frontline with a good review and updateon the regulations that affect them day-to-day. This webinaris designed to review regulations 0,. E, DD and CC as theyimpact the frontline on a routine basis. If your staff does notunderstand how these regulations impact consumers andhow consumer violations can cause regulatory and UDAAPissues for your bank, then this is the program for you!

Session HihIihts• Regulation 0

Types of Accounts and rules for each account• Regulation CC

Disclosures, holds and funds availability• Regulation E

Error resolutions, stop payments and disclosures• Regulation DD

Disclosures, maturity notices and APY

PresenterDeborah Crawford is the President of Gettechnical Inc, aBaton Rouge-based firm, specializing in the education offinancial institutions across the nation. Her 27+ years ofexperience began at Hibernia National Bank in New Orleans.She graduated from Louisiana State University with both herbachelor’s and master’s degrees. Debbie specializes in theeducation of financial institution employees and officers inthe area of deposit account laws, new accountdocumentation, insurance, complex compliance regulationsand IRA5.

AudienceTellers, New accounts, assistant branch managers, personalbankers, branch managers, deposit operations, compliancepersonnel and training officers.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected].


Consumer Construction Loans September12- 12:30-2:30 MTResidential construction lending continues to expand, along with theeconomy. As housing recovers, remodeling has become more active also.This program provides an overview of major issues involved consumer orresidential construction lending, primarily to individuals having a homebuilt or remodeled. Highlights include:• What is construction risk?• What additional due diligence is needed, beyond a conventional

mortgage application and underwriting?o Full construction vs. repair/remodelo Construction contract and detailed cost estimate issues

(Description of Materials form)o Contractor credentials and financial strengtho Plans and drawingso Lot surveyo Appraisal issues

• Loan pricing and structuringo Typical interest rate and feeso Construction loan agreements

• Issues with draws and inspections, cost over-runs and lien priority• How is the construction loan going to end (get repaid)?

Commercial Construction Loans September 15- 12:30-2:30 MTConstruction loans for commercial real estate remain a major part ofcommercial bank lending. Many community banks attempt to utilizeversions of residential formats and policies to administer commercialconstruction loans; however, this generally does not adequatelycontrol the situation due to several important differences betweenresidential and commercial projects. This program provides anoverview of the key steps involved in effectively administeringcommercial construction loans. Highlights include:• What is construction risk and how is it mitigated?• Differences between residential and commercial construction

loans• Various types of commercial construction situations• Issues with construction contracts and budgets• The interest reserve - no longer an automatic provision• Five items that determine how you handle a specific loan

o The type of projecto The loan approval and related conditions or contingencieso The commitment letter written to the customero Your bank’s policies and procedureso The construction loan agreement

• Other key documentation: Title insurance and Bonding• Funding and draw controls

o Inspectionso Lien waivers and lien updateso Disbursement methodso Monitoring usage of budget contingencyo Line item transfers

• Completion of the project and (if applicable) stabilization• The latest input from regulatory agencies and the proposed High

Volatility CRE 150% risk weighting toward bank capitalrequirements

SpeaktRichard Hamm, Advantage Consulting & Training

AudienceConsumer and commercial lenders, credit analysts and support staff, mortgagebankers, private bankers, small business lenders, loan review specialists,

special assets officers, lending managers and credit officers.

What is a Webinar?A webinar is an online seminar featuring live audio, PowerPoint and interctivefeatures. It may be viewed on most devices. No special hardware is needed;however, speakers or headphones are required. Each webinar registration providesone connection to the webinar, materials and access to the On-Demand Webinar for30 days. You may have unlimited listeners on your connection. You will receive lDgininstructions and materials prior to the seminar. Email [email protected] if you do not receive confirmation upon registering. An On-DemandWebinar is a recorded webinar that can be viewed at your convenience (24/71.Anyone at your branch may access the program online using the login. With an On-Demand Webinar, you have 6 months unlimited access to the program (access to thelive webinar is not included).




Commercial Construction Loans-SW2-1063 September 15- 12:30-2:30 MTLive Webinar D$265 mem U$530 nonmemOn-Demand Webinar* D$280 mem U $560 nonmem

•lncludes online access to a copy of the webinar for 6 months from purchasedate


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experience.


I Construction Lending: A Two Part Webinar SeriesSeptember 12 & 15, 2014


Consumer Construction Loans —SW2-1014Live Webinar D$265 memOn-Demand Webinar* D$280 mem

September12- 12:30-2:30 MTU $530 nonmemU $560 nonmem

E-mailThree Ways to Register (Payment required to complete registration):

A recent Supreme Court ruling changes how financial intuitions complywith the ECOA, FDCPA, TILA and RESPA. Failure to comply could result inlawsuits and enforcement actions. Everyfinancial institution should updateits policies and procedures.

On June 26, 2013, in United States v. Windsor, the Supreme Court struckdown as unconstitutional section 3 of the Defense of Marriage Act(DOMA). Section 3 of DOMA provided, “In determining the meaning of anyAct of Congress, or of any ruling, regulation, or interpretation of the variousadministrative bureaus and agencies of the United States, the wordmarriage’ means only a legal union between one man and one woman ashusband and wife, and the word ‘spouse’ refers only to a person of theopposite sex who is a husband or a wife.”

The Supreme Court’s action changes, to some extent, how financialinstitutions comply with the Equal Credit Opportunity Act (ECOA), Fair DebtCollection Practices Act (FDCPA), Truth in Lending Act (TILA), and RealEstate Settlement Procedures Act (RESPA). Each of these laws use theterms “spouse,” “marriage,” ‘married,” “husband” and “wife.”

The CFPB has stated that its policy is, “to the extent federal law permits andconsistent with the legal position announced by the U.S. Department ofJustice in interpreting relevant statutes, regulations and policies, torecognize all marriages valid at the time of the marriage in the jurisdictionwhere the marriage was celebrated.” Accordingly, the Bureau will regard aperson who is married under the laws of any jurisdiction to be marriednationwide for purposes of the federal statutes and regulations under theBureau’s jurisdiction regardless of the person’s place of residency.Consistent with other federal agencies, the CFPB will not regard a personto be married by virtue of being in a domestic partnership, civil union, orother relationship not denominated by law as a marriage.

The CFPB will use the terms “spouse,” “marriage,” “man-led,” “husband,”“wife,” and any other similar terms related to family or marital status instatutes, regulations, and policies administered, enforced, or interpretedby the Bureau to include same-sex marriages and married same-sexspouses.

Why ParticipateThis issue raises some tough questions, including:

• Was a marriage lawful when and where it was celebrated?• Do lenders need to perform due diligence to determine if a couple is

married, when they were married and where were they man-led?• Is the act of performing such due diligence discriminatory?• Which regulations are impacted by the changes?• What actions are needed to assure compliance?• What are best practices until the CFPB provides detailed guidance in

the form of revised regulations or updated Commentary?

Failure to comply could result in lawsuits by consumers or the Departmentof Justice and enforcement actions. Every financial institution must updateits policies and procedures.

HihIights• The impact of the Supreme Court’s Windsor case;• Which regulations are impacted by the court’s decision;• Which requirements are impacted by the court’s decision; and• How you should revise policies and procedures to assure compliance.

Participants receive a detailed manual that serves as a handbook long afterthe program is completed.PresenterJack Holzknecht, Principal, Pegasus Educational Services, LLC

AudienceMortgage loan department management, trainers, compliance officers,auditors and others with responsibilities for assuring compliance withfederal lending law.What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected].





Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

Three Ways to Register (Payment required to complete registration:(up to the

day of eventlMail: Mail: completed form with check payable to ConferenceEdge


Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments onlylEarlier registration allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].


Equal Treatment of Same-Sex Married CouplesWebinar, September 16, 2014


Equal Treatment of Same-Sex Married CouplesLive Webinar D$265 memOn-Demand Webinare D$280 mem

September 16,2014D$53o nonmemD$560 nonmem

lncludes onlIne access to a copy of the webinar for 6 months from purchasedate


Wyoming Bankers AssociationBasics of Interest Rate Derivatives

For Community BanksWebinar, September 18, 2014


Financial institutions use of interest rate swaps and options hastripled in the past decade. This webinar illustrates the basicmechanics and application of interest rate derivatives to manageinterest rate risk.

Financial institutions use of interest rate swaps and options hastripled in the past decade because these instruments offer a liquidand efficient way to manage interest rate risk. This webinar willillustrate the basic mechanics and application of interest ratederivatives to manage interest rate risk on a depository’s balancesheet. It will include a discussion of the risks and considerations ofemploying these instruments and a checklist of steps to executingthe first hedging transaction.

This webinar is appropriate for institutions of all sizes with little tono experience with interest rate swaps and options.

HighlightsAttendees will learn the following:

• Mechanics of an interest rate swap and calculation of basicspot and forward rates

• Understanding the counterparty, accounting and market risksof using interest rate derivatives

• Practical uses and applications by financial institutions tomanage asset / liability exposure

PresentersSara Higgins is a Managing Director at Sandier O’Neill + Partners, L.P., amarket-leading, full-service investment banking firm and broker-dealerfocused on the financial services sector. She currently heads the InterestRate Products Desk, working with bank clients on wholesale funding andinterest rate risk hedging using derivatives. Prior to joining Sandier O’Neillin 2009, Ms. Higgins spent 8 years on the Global Rates desk at LehmanBrothers structuring and marketing interest rate derivative strategies tomiddle market institutions.Michael Sarcone is also with Sandier O’Neill + Partners, LP. as an AssociateDirector. He joined the Interest Rate Products Desk in August 2012, wherehe advises clients on balance sheet strategies involving the use ofwholesale funding and interest rate derivatives. Priorto this, Michael spentfour years in SandIer’s Equity Research Department, where he served aslead coverage on a universe of small- and mid-cap banks and thrifts andalso worked as a supporting analyst on both the large-cap specialty lenderand asset manager teams.

AudienceChief executive officers, chief financial officers, treasury personneland others involved in asset/liability management.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone) No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may have

unlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email support @conferenceedge.com.





*Includes online access to a copy of the webinar for 6 months from purchasedate


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

Three Ways to Register (Payment required to completeregistration):Online:hIw:/livnkerseonIcu.c,,ni’,n1widcI/cvcnIscImwidseIKcy=29Ipul25,,I.hxioozwux&ei,=wy (up to the day of event)Mail: Mail: completed form with check payable to



experience.


Basics of Interest Rate Derivatives For Community BanksLive Webinar D$265 memOn-Demand Webinar* D$280 mem

September 25, 2014D$530 non mem$560 nonmem

—-. -

Part 1 August 8,2014, 1:30-3:30 CTCall Report Revisions & UpdateSignificant changes proposed in 2013 are still under regulatoryconsideration for adoption in 2014. This program provides a review ofproposed revisions, accounting changes and regulatory guidance. It willinsure that you know what will change and will prepare you to reportaccurately. This is a re-broadcast of our 3/10/14 webinar.

• March 2014 Revisions Covered:o Consumer Deposits and related Service Chargeso International Remittance Transferso Trade Names

• Supplemental Instructions• Other Critical Issues

Audience: Call Report preparers, reviewers, and auditors.

Presenter: Judith Jenkins, Bank Training Services

Part II August 12, 2014, 1:30-3:30 CTRC-R, Risk-Based CapitalCalculating risk-based capital ratios is complicated, and with theimplementation of Basel III in 2015, it will become even more complicated.The webinar reviews:

• Current rules for reporting Tier One and Tier Two Capital andwill help ensure that you are receiving the lowest risk weightingallowed for both on balance sheet and off balance sheet assets.

• A template showing each asset and the assigned risk weightingsfor various components of the asset will be provided.

• The new capital section of RC-R will be covered as well ascritical changes to on and off balance sheet assets. Basel III rulesare effective January 1, 2015, for all banks.

Audience: Anyone responsible for the calculation of risk-based capitalratios as well as those responsible for call report preparation and review.

Presenter: Ann Leavelle Thomas, Thomas Consulting

Part III August 26, 2014, 1:30-3:30 CTRegulatory Report Preparation of FR Y-9CThe FR Y-9C is the Consolidated Financial Statements for Bank HoldingCompanies report and may include parent, bank, and nonbank entities. It isprimarily used to monitor bank holding companies in between onsiteinspections. Quarterly reporting is required. This webinar provides basicknowledge of the regulatory reporting requirements for FR Y-9C as well asan understanding of how the information flows from the significant bankfunctions to this report and identification of the internal controls that a bankshould implement so that the reporting process is effective. The programwill also discuss the similarities between the FR Y-9C report and the callreport and introduce the FR Y-9SP and FR Y-9LP reports. Further, thisprogram will provide certain hands on practice of completing FR Y-9Creporting. Highlights include:

• FR Y-9C regulatory requirements• FR Y-9C similarities with call report• Introduction of FR Y-9LP and FR Y-9SP reporting• Reporting challenges and areas of common error• Internal controls over the FR Y-9 regulatory process

Audience: Accounting and operations professionals seeking fundamentalknowledge of FRY-9C reporting and individuals seeking a refresher course.

Presenter: Eileen lies, CPA, CGMA, CIA, CFSA, CCSA, CRMA, CroweHorwath LLP

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smart phone).No special hardware is needed; however, speakers or headphones are required. Theprogram consists of 105 minutes of instruction and 15 minutes live Q&A. Each LiveWebinar registration provides one connection to the webinar, materials and access tothe On-Demand Webinar for 30 days. You may have unlimited listeners on yourconnection. You will receive login instructions and materials prior to the seminar. Ifyou do not receive confirmation upon registering, emailsupportconferenceedge. corn.

An On-Demand Webinar is a webinar that has been recorded and can be viewed atyour convenience (24/7). Anyone at your branch may access the program online usingthe login. With an On-Demand Webinar, you have 6 months unlimited access to theprogram from the date of purchase (access to the live webinar is not included).

Add [email protected] as a safe sender on your email or have your ITAdministrator add mail.confedge.com to the SPF records or to your email systemwhitelist to ensure that you receive emails from the registration system.

Transmission, retransmission or republishing of the audio portion of the seminar i5prohibited. Your registration entitles you to 1 connection at 1 location withpermission to copy materials for participants. Complete one registration per location.


FR Y-9C Holding Company Reports September 19, 2014Webinar/materlals (live webinar) C$265 mem $53O nonmemOn-Demand Webinar/materials* D$280 mem $56Q nonmem•lncludes online access to a copy of the webinar for 6 months from purchasedate


Name Title

Bank/Company

Mailing Address

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E-mailThree Ways to Register (Payment required to complete registration):

Online:i.t,,- I :- I,/,u ,--c up to the dmyof .ventlMail: Mail: completed form with check payable to Conferenceedge


Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments only)Earlier registration allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or online):Repistrotion Questions: Email: [email protected], Phone: (877)988-7526;Broodcost Questions: Phone: 281-500-4085 a 1, Online: http://support.omnovia.com;Seminar Content Questions: Contact TBA at (512)472-8388 or email


Advanced Call Report PreparationA Three-part Webinar Series

Webinar, September 19, 2014 12:30 - 2:30 p.m. Mountain Time

Revisions & UpdateWebinar/materlals (live webinar)On-Demand Webinar/materials*

RC-R, Risk-Based CapitalWebinar/materials (live webinar)On-Demand Webinar/materials)°

August 8, 2014D$265 mem D$530 nonmemD$280 mem D$560 nonmem

August 12, 2014D$265 mem D$530 nonmemD$280 mem D$560 nonmem

[email protected].

Recent changes have produced confusion and many questions. This seminarprovides basic training for new preparers and complete coverage of new andcomplex issues for experienced preparers. Annual training is highly recommended byregulators.

In January 2014, the regulatory agencies finalized several changes to the Call Reportto provide additional data for safety & soundness or other public purposes. Theeffective date of the most of the changes was March 2014, though the detailreporting of service charge income will not be required until March 2015. Basel Illhas been approved, and the regulatory changes to Risk Weightings and Capital willaffect schedule RC-R. The draft forms for the revised 2015 Risk Based CapitalSchedules will be covered in the session. Additionally, any subsequent changesproposed by the regulators affecting the 2014 call report will be covered. Participantsreceive a 200+ page manual. Ann Thomas will be available to answer future CallReport questions by email.

Day 1 Highlights:• Balance Sheet Schedules: Operations

o RC, Report of Conditiono RC-A, Cash and Due From Bankso RC-B, Securitieso RC-E, Depositso RC-F, Other Assetso RC-G, Other liabilitieso RC-K, Average Balanceso RC-M, Memorandao RC-O, Insurance Assessmentso RC-O. Assets and liabilities Measured at Fair Valueo RC-T, Trust Departments

• Income Statement Scheduleso RI, Report of Incomeo RI-A, Changes in Equity Capitalo Rl-E, Explanations

• Amendments• Procedures• General Instructions

Day 2 Highlights:• 2014 Revisions, BA5EL Ill Changes• Balance Sheet Schedules: Lending

o RC-C, Loan and Lease Reportingo RC-C Part II, Loans to Small Businesses and Small Farmso RC-K, Average Loanso RC-L, Off Balance Sheet Itemso RC-M, Insider Lendingo RC-N, Past Due and Nonaccrual Loanso RC-P, Mortgage Bankingo RC-S, Servicing, Securitization, Saleso RI-B, Charge-Off’s and Recoverieso RI-C, Disaggregated Data ALLL

• RC-R, Risk Based Capital

The FFIEC 041 forms will be used in the presentation and materials. Bring yourbank’s latest Call Report for resolution of questions.

SpeakerAnn Leavelle Thomas has more than 30 years experience in bank accounting andcontrol. As Thomas Consulting, she performs regulatory compliance audits andtraining, internal control audits, and prepares and reviews Call Reports for numerousbanks. Ms. Thomas has taught numerous call report seminars for bankingassociations and has responded to questions from thousands of bankers across thecountry. Her experience in working with a broad range of independent banks is ofunique value in understanding Call Report questions and in communicating withbankers in their own language.

AudienceCall Report Preparers, Reviewers, Auditors and Loan Accounting Staff. Bankers withresponsibility for the entire report should attend both days. Day 2 primarily offerstraining to those responsible for the Lending Schedules.

What is a Video Webcast?The webcast will be filmed in front of an audience and streamed realtime toparticipants’ computers. The lunch break is from 11:00 - 12:00 p.m. MT. Memberspay $650 per day per hookup (nonmembers $1,300). live webcast participants maycommunicate with the speaker during the program by email. Your webcastregistration provides 1 connection to the program, materials and access to the on-demand webcast for 3 months. You may have unlimited listeners on yourconnection. You will receive instructions and materials priorto the seminar, If you donot receive a confirmation upon registering, call (877) 988-7526 or [email protected] or call.

Add [email protected] as a safe sender or have your IT Administrator addmail.confedge.com to the SPF records or to your email system whitelist to ensurethat you receive emails from the registration system.

Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone: (877) 988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at (512) 472-8388 or email [email protected].

Transmission, retransmission or republishing of the webcast is prohibited. Yourregistration entitles you to 1 connection at 1 location with permission copy materialsfor participants.


Lending Schedules, ect. — SW3-0089 September 23, 2014Live Webcast* D$650 mem $1,300 nonmemOn-Demand Webinar* D$650 mem D$1,300 nonmem*Includes online access to a copy of the webinar for 3 months from purchasedateWe cannot guarantee registration for incomplete and/or illegible registrationforms received. Please complete the form and type or write carefully.

Name Title

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Three Ways to Register (Payment required to complete registration):

Onhine:http://bankers.confedee.com/an/widee(/events.cfm?widge(Key=29IpuI25oLhxips

OZwa8&em=WY (up to the day of event)


Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)


2014 Call Report PreparationVideo Webca.t, September 22-23, 2014


Operational Schedules — SW3-0088Live Webcast* O$650 memOn-Demand Webinar* D$650 mem

September 22, 2014$1,3oo nonmemD$1,300 non mem

E-mail

Earlier registration allows time to test your computer for an optimal experience.

a

Have you ever read your bank’s promissory note, security agreements ormortgage/deed of trust? Most bankers would have to admit the answer is:NO. This new series was developed by a layer who has been teachingloan documentation nationwide for more than 20years. Taught at a basiclevel (for bankers, not lawyers), the instructor will lead participantsthrough all sections of the various required loan documents. The purpose isto create a deeper understanding of why certain documents are requiredplus the significance ofvarious sections and verbose language (oftenreferred to as “boilerplate”). A working knowledge, with a focus on therisk management aspects of each document, is the goal. Being able toexplain document content will add much to customer relationships.

Part 1 September 22, 2014, 12:30-2:30 pmLoan Documents• Promissory Note: The note is enforceable against the borrower’

Review of each section for content, purpose, rights of all parties andscope of language.

• Security Agreement: The security agreement is enforceable againstcollateral. Review ofeach section for content, purpose, rights of allparties, representations and warrantees, plus enforceability.

• UCC Instructions (on back of form) contain important information onhow to corTectly prepare the critically important form. Correct orexact names, organization types and numbers and collateraldescription language are key issues.

• Guarantees: A guarantor gives up many rights and grants the bankmany rights. Bankers need to understand the distinction between anindividual guarantor and a business entity or guarantor and the detailsofwhat the guarantor is agreeing to.

Part II September 24, 2014, 12:30-2:30 pmReal Estate Loan Documents• Promissory Note: The note is enforceable against the borrower!

Review of each section for content, purpose, rights of all parties andscope of language.

• Mortgage and Deed of Trust: The mortgage or deed of trust isenforceable against the real estate taken as collateral. Review of eachsection for content, purpose, rights of all parties, representations andwarrantees, plus enforceability.

• Title Commitments and Policies protect the lender by assuring anacceptable lien position. Knowing what to expect and what to lookfor is essential to underwriting and closing real estate loans.

• Guarantees: A guarantor gives up many rights and grants the bankmany rights. Bankers need to understand the distinction between anindividual guarantor and a business entity or guarantor and the detailsof what the guarantor is agreeing to.

Audience: Lenders, loan assistants, loan operations personnel, creditanalysts and personnel involved in loan review, internal audit andcompliance.

Speaker: Robin Russell is a partner with the law firm of AndrewsKurth L.L.P., practicing in the areas of banking, bankruptcy andcorporate finance, representing banks, insurance companies, corporateand individual borrowers in secured commercial and consumer lendingtransactions as well as representing debtors and creditors inbankruptcies and out of court restructurings. Robin has trained over10,000 bankers nationwide in loan documentation.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures, The program may be viewed on most devices (computer, tablet, smartphone). Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar, If you do not receive confirmation uponregistering, email support(ii’conferenceede.coni or call 877/988-7526.

An On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (24/7). With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).


Transmission, retransmission or republishing of the webinar is prohibited. Yourregistration entitles you to I connection at I location with permission to copymaterials for participants. Complete one registration per location,


eunlimited online access to a copy of the webinar for 6 months frompurchase date

Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

(up to the day of event)Mail: Mail: completed form with check payable to ConferenceEdge


Phone: Call ConferenceEdge at (877) 988-7526 lcredit card payments only)Earlier registration allows time to test your computer for an Optimal experience.Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877(988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].


Understanding Loan DocumentsA Two-part Webinar Series

September 22 & 24, 2014 12:30 - 2:30 p.m. Mountain Time

Loan Documents Part 1Webinar/materials (live webinar)On-Demand Webinar/materials

September 22, 2014D$265 mem D$53O nonmemD$280 mem D$560 nonmem

Real Estate Loan Documents Part 2 5WZ4185

Webinar/materials (live webinar) D$265 memOn-Demand Weblnar/materials) D$280 mem

September 24, 2014O$53oD$560 nonmem

Three Ways to Register (Payment required to completeregistration):

EuRe-polluting the consumers files under new, tougher CFPB regs that cancost your institution plenty. This program reviews CFPB, FCRA andFACTA requirements for data reporting, essential quality control checksand common reporting errors.

Whether you report to one or all four of the National Credit ReportingAgencies (NCRA), you are required to comply with the Fair CreditReporting Act (FCRA) and the Fair & Accurate Credit Transaction Act(FACTA) amendment. It’ s not what you know that will hurt you, it’ S

re-polluting the consumers file under new tougher CFPB regs that can costyour institution plenty!

We will review Electronic-Online Solution for Complete and AccurateReporting (E-OSCAR) (a CFPB requirement) and using METRO2 foryour monthly data reporting. We’ II also discuss why you should runquality control checks on any data you report and common errors onconsumer files.

Why Participate?This program will be instrumental in establishing proper credit policiesand procedures to comply with Federal regulations. The instructor willtake time for questions and provide opportunities to work throughcommon problems using “real world” situations. The materials will bea valuable resource after the webinar.

HighlightsReal Estate Loan DocumentsReview of CFPBs Notice of Duty to Investigate Consumer Credit ReportDisputes• All agencies will apply CFPB tougher exam standards• FACTA Section 312 will play a key part in your agencies

expectations• Your responsibilities under the FACTA-Red Flag guidelines as a

Data Furnisher• Reviewing tradeline information to be in compliance and reduce risk

Reporting Data• Reporting your information monthly using the METRO or METRO-

2 format.• Using E-OSCAR to view and respond to consumer disputes-

Automated Credit Dispute Verifications (ACDV Responses).• Using E-OSCAR to create and submit interim maintenance requests

Automated Universal Data forms (AUD5) for previously reportedtradelines

• NEW Compliance points and running quality control checksConclusion

• Putting this knowledge into action today!

Audience: New CFPB standards will impact everyone who deals withconsumers’ credit information. This informative session is for lenders,senior management, compliance officers, auditors, trainers, frontlinehandling reporting and anyone responsible for establishing andmaintaining policy and procedures.

Speaker: Greg Souther, President & CEO, Greg Souther Consulting

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar, if you do not receive confirmation uponregistering, email [email protected] or call 877/988.7526.



Transmission, retransmission or republishing of the webinar is prohibited. Yourregistration entitles you to I connection at I location with permission to copymaterials for participants. Complete one registration per location.


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail


yy (up to the day of eventlMail: Mail: completed form with check payable to ConferenceEdge


Phone: Call ConferenceEdge at (877) 988-7526 (credIt card payments only)Earlier registration allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or orili,ie:Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].

Wyoming Bankers AssociationReporting Your Credit Data, Metro2,

E-OSCAR, FCRA/FACTA & CFPB ComplianceSeptember 23, 2014 12:30 - 2:30 p.m. Mountain Time

Reporting Your Credit DataWebinar/materials (live webinar)On-Demand Webinar/materials*

September 23,2014D$265 mem $530 nonmemD$280 mem Q$560 nonmem

eUnlimited online access to a copy of the webinar for 6 months frompurchase date

Wyoming Bankers AssociationSignature Card Danger Zones:

Account Titling, Ownership & AccessWebinar, September 25, 2014


Its critical that bankers clearly understand ownership, titling andaccess under your signature card contract. Attend this program tolearn about risks, liability and losses that can occur and, mostimportantly, how to avoid these issues!

What would happen if you were called upon to give a deposition incourt on a signature card for an account you opened 13 years ago atan institution you no longer worked for? What would you say whenan attorney asked you to remember the customers intentions whenyou opened that account? This actually happened. A banker hadplaced an “X” on the signature card in between JTWROS andJTWOROS.

In this informative program you will learn that your signature cardsare a legacy that you leave the bank for many years to come. Howa signature is set up can impact your customer’s FDIC coverage. It’scritical that bankers clearly understand ownership, titling and accessunder your signature card contract. If you do not then the bank willhave potential liability. This is a “must attend’ webinar in order tolearn more about risks, liability and losses that can occur due tosignature card contracts. And, most importantly, how to avoid theseissues!

Session Hih1i2hts• Understanding the five major components of a signature card• What are the ‘big three’ and what happens when they don’t match• Losses, liability and what went wrong in cases where banks lost big

money• Dealing with signature card changes: white out, crossed out, etc.• Looking for key signature card issues: offset, how to close accounts,

etc.• How a signature card set-up can cause your customer to be uninsured

by the FDIC

PresenterDeborah Crawford is President of gettechnical inc., a firm,specializing in the education of financial institutions nationwide.Her 27+ years of experience began at Hibernia National Bank inNew Orleans. Debbie specializes in the area of deposit account laws,new account documentation, insurance, complex complianceregulations and IRAs.

AudienceThis informative session is for new accounts representatives,personal bankers, branch managers, branch administration,training, tellers who open accounts and anyone else that has newaccount opening or training responsibilities.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. The program consists of 105 minutes of instruction and 15 minutes liveQ&A. Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may have

unlimited listeners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected].




Please check all appropriate boxes: SW2-1070Signature Card Danger Zones Septeniber 25, 2014Live Webinar D$265 mem D$530 nonmemOn-Demand Webinar* O$280 mem D$560 nonmem

•(ncludes online access to a copy of the webinar for 6 months from purchasedate


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail





experience.



Accounting for ALLL & OREOA Two-part Webinar Series

ALLL accounting changes are on the way, and many institutions are stilldealing with higher than normal levels of OREO. This series will provide theinformation needed to comply with current accounting requirements andprepare for the changes on the horizon.

Accountine for ALLL September 30, 2014, 12:30-2:30 pmMany institutions are still dealing with increased levels of foreclosed properties.This webinar provides you with the knowledge to maintain an appropriate levelof ALLL while meeting the requirements outlined in the Interagency Guidance.You will leam the specifics of ALLL accounting and receive practical

recommendations related to supporting your own valuations.

Highlights

• Available Guidance• Nature & Purpose for the ALLL• Key Concepts• Discussion of ASC 450-10-05 (formerly FAS 5) & ASC 3 10-10-35 (formerly

FAS 114)• Environmental Factors to Consider in the Estimation ofCredit Losses• Discussion on the proposed Current Expected Credit Loss (CECL) model• Responsibilities ofManagement, Directors and Auditors• Loan Grading and Review Systems• Loan Review Policies

Accountine for OREO October 3, 2014, 12:30-2:30 pmMany institutions are still dealing with increased levels of foreclosed properties.This webinar provides you with the knowledge to properly account for thesetransactions at acquisition and disposition. Leam specifics and receive practicalrecommendations related to supporting your OREO valuations.HighlightsInformation Applicable To All U.S. Banks:• Proper Accounting Treatment under Generally Accepted Accounting

Principles (GAAP) During:• Initial Acquisition

• ASU Reclassification of Residential Real Estate Upon Foreclosure• Establishing the Initial Carrying Value• Gain and Loss Treatment

• Holding Period• Subsequent Expenditures• Capital Improvements• Subsequent Impairment

• Disposition• Gain and Loss Treatment• Seller-Financed Transactions

• Practical Applications• 15 fact-based examples or question and answer scenarios adapted from

the OCC’s most recent Accounting Advisory SeriesPractical Information Specific to Nationally Chartered Banks:

• OREO Defined• Allowable Acquisition Methods• Appraisal Requirements• Allowable Expenditures• Holding Period Requirements• Disposition Methods and Requirements

Audience: CEOs, CFOs, controllers, auditors, accountants, senior lenders andloan review personnel.

Speaker: Mark Harren, CPA, is a Financial Institution Audit Partner forPattillo, Brown & Hill, LLP. Mark has more than 25 years experience in bankingand the financial services industry in the lending and credit administrationfunctions. He has worked for Pattillo, Brown & Hill for nine years, where he hasperformed financial statement audits, internal audits, compliance examinationsand loan review services for more than 40 institutions.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). Each Live Webinar registration provides one connection to the webinar,materials and access to the On-Demand Webinar for 30 days. You may haveunlimited listeners on your connection. You will receive login instmctions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email sunport(àcoiifercnceedpe.corn or call 877/988-7526.



Transmission, retransmission or republishing of the webinar is prohibited, Yourregistration entitles you to I connection at I location with permission to copymaterials for participants. Complete one registration per location.

*Unhjmlted online access to a copy of the webinar for 6 months frompurchase date

Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail


Onhine:hItn:M’ahlkcrs.confedQe corn’ap/widet/events cfin?withwtKev.2IOu125oIjixiflQZsvc18&urp

wy (up to the day of event)Mail: Mail: completed form with check payable to ConferenceEdge


Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments onlylEarlier registration allows time to test your computer for an optimal experience.Support: (for faster service please submit via email or online):Registration Questions: Email: [email protected], Phone:(877)988-7526; Broadcast Questions: Phone: 281-500-4065 X 1, Online:http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].

September 30, 2014 & October 3, 2014 12 30-2 30 p m Mountain Time


Part 1-ALLL21534Webinar/materials (live webinar)On-Demand Webinar/materials*

Part 2OREOsw21235

Webinar/materials (live webinar)On-Demand Webinar/materials)*

September 30, 2014$265 mem D$530 nonmemD$280 mem D$56O nonmem

October 9, 2014$265 mem D$530 nonmemD$280 mem D$560 non mem

Bitcoin for BankersA web-based seminar

Wednesday, September 3rd, 2014,9:00 AM—11:00 AM Mountain Time

Program Content:Bitcoin lurked around the edges of the Internet during its firstfew years of existence, but is now becoming a pop culturephenomenon. In this presentation David Ringstrom, CPAbrings you up to speed on what Bitcoin is, how it compares toother virtual currencies, and what the threats and opportunitiesare for bankers. You’ll gain an understanding of some Bitcoinrelated jargon, such as mining, wallets, hot and cold storage,and so on. You’ll be able to get a sense of whos currentlymaking money via Bitcoin, as well as the potential risks andrewards of this brave new currency.

Covered Topics:• Gain an understanding of Bitcoin and virtual

currencies in general• Compare Bitcoin the protocol with Bitcoin the

currency• Learn how to aquire Bitcoin: person to person, via

exchanges, or ATMs• Unlock the mysteries of Bitcoin mining and the

cryptography behind the scenes• Private, but public? Bitcoin’s curious accounting

ledger that is openly tracks all transactions• Get an overview of Bitcoin from the beginning,

including the fact that no one knows for sure wholaunched Bitcoin

• Determine where you can spend Bitcoin instead ofcash

• Lurk in the shadows of Bitcoin to see how certainusers attempt to evade law enforcement orgovernment oversight

• Get an overview of governmental perspectives onBitcoin

• See whos making money with Bitcoin, and how• Look ahead at the potential threats and opportunities

that Bitcoin portends for bankers

Who Should Attend:Anyone seeking to understand what Bitcoin is, how it works,and to get a sense of where its headed.

Presenter:David Ringstrom, CPA owns Accounting Advisors, Inc., anAtlanta-based spreadsheet and database consulting firm thathe started in 1991. David has written freelance articles aboutspreadsheets since 1996, some of which have been publishedinternationally. He teaches dozens of webinars on Excel eachyear, along with speaking at conferences. David coined thephrase Either you work Excel, or it works you!” Accordingly hissessions are designed to help you turn the tide and become amuch more effective spreadsheet user.

Cancellation Policy:Refunds will be given only for cancellations received in written form 3business days prior to the program. If your bank is unable to

participate after registering, you can also select to receive anOnDemand website link to see the information online of the seminar atno additional charge.

If you are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase anOnDemand website fink and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

_______

*Email Address:

“Please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:C “Live” Web connectionC Additional connection for a branchC 6-month “OnDemand” website link only

C CD-ROM and materials only

C Live plus OnDemand website linkC Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: US, P0 Box 310, Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

WYOMING BANKERS ASSOCIATION

$255

$150

$255$295$355

$395

Method of Payment:C Please invoice our bankU Check made payable to TTSC Mastercard C Visa

Card Number:

_________________________________

Expiration Date:

________________________________

Signature:

For assistance, please call Cheryl Johnston, (307) 638-5008.

Call Report for Banks- Recent

Changes, Highlights, and Pitfalls

A web-based seminarThursday, September 4th, 2014,

9:00 AM—Il :00 AM Mountain Time

Program Content:In August 2013, the regulatory agencies published information on theupcoming risk based capital changes under Basel III. For non-advanced approach banks the changes will be effective for the first callreport filing in 2015. In January, 2014 the agencies gave final approvalto other changes which took effect in March, 2014.

The Call Report-Recent Changes and Highlights seminar is designedfor experienced preparers and reviewers. The seminar will cover the2014 revisions, Basel Ill risk based capital changes, as well as otherrecent changes, updates due to revisions in accounting standards,other areas of concern, and common errors made during call reportpreparation.Covered Topics:March, 2014 Revisions:RC-M

RC-E

• Questions about types of international remittance transfersoffered, types of settlement systems used to process thetransfers, and whether number of remittance transfersexceeds or is expected to exceed the Bureau’s safe harborthreshold of 100 (initially answer March, then semi-annuallywith each June and December report)

• New line item to report trade names other than aninstitution’s legal title used to identify physical branches andinternet web sites

• Screening question on whether bank offers separate depositproducts to consumer customers

• If over $1 billion in total assets and answer yes to thescreening question, then additional information oncomponents of transactions and non-transaction accounts

March. 2015 Revision:RI

• If answer yes to the screening question and assets morethan $1 billion, report a breakdown of service charges ondeposits

o Overdraft related service charges on consumeraccounts

o Monthly maintenance charges on consumeraccounts

o ATM fees on consumer accountso All other service charges on deposit accounts

Basel Ill Risk Based Capital Changes• Revised definition to regulatory capital and a new common

equity tier 1 minimum capital requirement; requires higherlevels of regulatory capital

• Limits a banking organization’s capital distributions andcertain discretionary bonus payments if the bankingorganization does not hold a specified amount of commonequity tier 1 capital in addition to the amount necessary tomeet its minimum risk-based capital requirements

• Amends the methodologies for determining risk-weightedassets for all banking organizations

• Final rule applies to all banking organizations currentlysubject to minimum capital requirements, including nationalbanks, state member banks, state nonmember banks, stateand Federal savings associations

Who Should Attend:This update will benefit the more experienced Call Report preparers, reviewers,and auditors. It will supplement annual comprehensive Call Report trainingrecommended by bank regulators.

Presenter:Ann Thomas has thirty years of experience in bank accounting and control. Shereceived a BA in Accounting from the University of Houston in 1982. From 1982

IE&1’


through 1997 she worked with Judith Alexander Jenkins, as Alexander &Associates and subsequently Alexander & Leavelle, providing planning, financialreporting, regulatory reporting, and operational and compliance auditing servicesto over ninety independent banks. In 1998, she organized Thomas Consulting. AtThomas Consulting she now prepares bank plans, monthly financial reports,performs regulatory compliance audits and training and internal control audits forseveral banks. Additionally, she prepares and reviews Call Reports for variousbanks. Ms. Thomas has taught numerous call report seminars for state bankingassociations. She has presented the Call Report Seminar to and has respondedto questions from thousands of bankers in over 16 states. Her experience inworking with a broad range of independent financial institutions is of unique valuein understanding Call Report questions and in communicating with bankers intheir language.

Cancellation Policy:Refunds will be given only for cancellations received in written form 3 businessdays prior to the program. If your bank is unable to participate after registering,you can also select to receive an OnDemand website link to see the informationonline of the seminar at no additional charge.

If you are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase an OnDemendwebsite link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP: -

Phone:

_______

*Email Address:*Please include an email address as this is how your webinar materials will bedelivered to you.

Please check one of the following:0 “Live” Web connection

EJ Additional connection for a branch

0 6-month “OnDemand” website link only

0 CD-ROM and materials only

0Live plus OnDemandwebsite link

Entire Package: Live, OnDemand link, and CD-ROM plusmaterials


$255

$150

$255

$295

$355

$395

Method of Payment:0 Please invoice our bank0 Check made payable to US0 Mastercard 0 VisaCard Number:

_______________

Expiration Date:

Signature:


The Art & Science of AskingQuestions

A web-based seminarMonday, September 8th, 2014,

11:00 AM—I 2:00 PM Mountain Time

Program Content:Selling is both an art and a science. This becomes veryapparent when a sales person comes face-to-face with aprospect. Preparation is essential but it is always difficult toprepare exactly what you want to say or ask in advancebecause prospects don’t follow a script. But understandingsome of the simple rules and principles of asking questionsprovided in this session will help you prepare, anticipate andclose more business, more quickly.

Covered Topics:• Understand the fundamentals of question asking,

what types of questions to ask as well as how to getbeneath the questions asked by your prospect

• Tailor questions specifically important to the CEO• Learn a ‘drill down’ questioning technique to fully

uncover a prospect’s pain for your product or solution• More effectively and courageously ask your prospect

questions about leaving their current provider andbudget issues

• Develop a unique selling approach so that you don’tsound like all the others!

Who Should Attend:Salespeople in all lines of business, tellers, supervisors andtrainers will all benefit by this webinar.

Presenter:Walt Gerano brings with him more than 28 years of financialsales and sales management experience and has been aSales Development Expert with Anthony Cole Training Groupfor over 8 years. His webinars are delivered in an entertainingmanner and he captures the engagement of his participantswith his wit and open ‘story-telling’ style. Walt personallycoaches more than 50 salespeople across the country on howto achieve their sales goals and personal dreams.

Cancellation Policy:Refunds will be given only for cancellations received in writtenform 3 business days prior to the program. If your bank isunable to participate after registering, you can also select toreceive an OnDemand website link to see the informationonline of the seminar at no additional charge.

If you are unable to attend the webinar but would like tohave this information for training purposes, you may alsopurchase an OnDemand website link and/or CD-ROM.

Name:

Bank:

Address:

IIFAlWYOMING BANKERS ASSOCIATION

City, State, ZIP:

Phone:

*Email Address:

______________________________

*Please include an email address as this is how your webinar materialswill be delivereci to you.

Please check one of the following:C “Live” Web connectionC Additional connection for a branchC 6-month “OnDemand” website link onlyC CD-ROM and materials onlyC Live plus OnDemand website linkC Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: TTS, PC Box 310, Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

$155

$100

$155$185$225$245

Method of Payment:C Please invoice our bankC Check made payable to TTSC Mastercard C Visa

Card Number:

________________________________

Expiration Date:

______________________________

Signature:


Opening New Accounts forLLC’s

A web-based seminarTuesday, September 9th, 2014,

9:00 AM—I 1:00 AM Mountain Time

Program Content:One of the most interesting types of businesses, is also themost complicated. In this program learn how to open,document, change signers and handle the paperwork on theseamazing accounts. From the single member to the multiplemember, LLC we will cover all the definitions, tax reporting,CIP and due diligence issues for opening the deposit accountof an LLC. You will receive a state specific chart and help withunderstanding the ins and the outs of these depositrelationships.

Covered Topics:• How to open and document the LLC for Customer

Identification Purposes• Who are managers, members, and signers• What is an operating agreement both written and oral• Documents at account opening• Resolutions and Signature Cards• SSNs, EINs and when to use what• Disregarding the single member owner for tax

purposes• Changing members and signers• Multi-tiered LLCs where businesses and trusts are

members• LLC “doing business as”• Beneficial ownership of the LLC

Who Should Attend:New Account Representatives, Business Bankers, PersonalBankers, Commercial Loan Assistants, Branch Managers,Training and all Fronthne Personnel.

Presenter:Deborah Crawford is the President of gettechnical inc. Shespecializes in compliance and regulations for the deposit sideof financial institutions. Her 20+ year career in banking andtraining began at Hibernia National Bank. She has been aseminar leader for many state associations and credit uniongroups across the nation. She has Bachelors and Mastersdegrees from Louisiana State University.



If you are unable to attend the webinar but would like to have thisin formation for training purposes, you may also purchase anOnDemand website fink and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

_______

*Email Address:

*Please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:J “Live” Web connectionD Additional connection for a branchD 6-month “OnDemand” website link onlyD CD-ROM and materials onlyD Live plus OnDemand website linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: TTS, P0 Box 310, Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

$255$150$255$295$355$395

Method of Payment:D Please invoice our bankD Check made payable to TTSD Mastercard 0 Visa

Card Number:

________________________________

Expiration Date:

______________________________

Signature:

For assistance, please call Cheryl Johnston, (307) 638-5008

I

Appraisal Review for ResidentialMortgage Decisions


12:30 PM—2:30 PM Mountain Time

Program Content:As the industry goes through troubled times, propervaluation of collateral is critical. Yet most peoplereviewing appraisals have never been properly trained inhow to review this critical information.

Covered Topics:• Appraiser guidelines• Valuation methods• Review of the Single Family Form• Review of the Multi Family Form. Key information• Red flags• Review of new Appraisal forms and guidelines

Who Should Attend:This class will give an underwriter, processor, manager,quality control personnel or anyone who deals withappraisals an excellent overview and understanding ofhow they work.

Presenter:The webinar leader is J.T. Turner, who has over 26years of experience in the lending industry. He hasworked as a trainer for the past 20 years, in areas oflending, underwriting, origination, quality control, andpersonal growth. He is a seminar leader for the Centerfor Financial Training, a member of the FranklinSpeakers Bureau, and past member of the NationalSpeakers Association. J.T. is also a professional actor,with credits in film, TV, radio and on the stage.

Cancellation Policy:Refunds will be given only for cancellations received inwritten form 3 business days prior to the program. Ifyour bank is unable to participate after registering, youcan also select to receive an OnDemand website link tosee the information online of the seminar at no additionalcharge.

If you are unable to attend the webinar but wouldlike to have this information for training purposes,you may also purchase an OnDemand website linkand/or CD-ROM.

Name:

Bank:

Address:


City, State, ZIP:

Phone:

*Email Address:

_____________________________


Please check one of the following:D “Live” Web connectionD Additional connection for a branchO 6-month “OnDemand” website link onlyO CD-ROM and materials only0 Live plus OnDemand website link0 Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: US. P0 Box 310. Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:O Please invoice our bank0 Check made payable to TTS0 Mastercard 0 Visa

Card Number:

Expiration Date:

Signature: —

$255$150$255$295$355$395


Customer Complaints & theCFPB

A web-based seminarWednesday, September 10th, 2014,12:30 PM—2:30 PM Mountain Time

Program Content:Did you know that the Consumer Financial Protection Bureau(CFPB) doesn’t verify all the facts alleged in these complaints?There have been well over 150,000 complaints so far and thenumbers are growing!

The CFPB uses this data (the complaint) against financialinstitutions for emerging trends relating to financial servicesproducts, including reasons for those complaints and they arerecording any actions the financial institutions are taking toresolve these complaints. And, your Institution’s response isbeing compared to other financial institution’s responses.

Here are just a few of the questions you might be asking:• Do you need to respond to every complaint?• How soon do you need to respond - time

requirements?• What are the Top Complaint filed by consumers

against Financial Intitutions?• What does the CFPB consider “reviewing all relevant

information?”• If we got this dispute through the credit bureau and

handled, do we have to respond to the CFPB?• What if we are a community bank and are not

regulated by the CFPB?

Covered Topics:• Taking complaints over the phone, in person, over the

web. Not all employees are good at handling issuesand shouldn’t be your point of contact!

• Should you consolidate all complaints into one centralplace or should we route to each department, branch,etc...

• What are our time requirements? Can we meet orbeat those deadlines?

• Are all complaints and customers equal? Whenshould we expedite the complaint and who makesthat decision?

• Are we getting the same complaint for the sameproduct and is there anything we can do about it?

• If we have taken some media hits, what can we doimmediately to improve our image?

• Tracking the results and our ability to resolve issueswill go a long way in becoming compliant, reducingfuture complaints, and improving regulatory agencyrelations.

Who Should Attend:Compliance Officers, Director of Customer Service, General Counsel,Audit Executives, Information Officers, Risk Officers, BranchManagers, Head Tellers, and anyone dealing with complaints inperson, over the phone, over the internet, etc.

Presenter:Greg Souther is President of Greg Souther Consulting & Seminars(www.gregsouther.com) a firm that provides training and consulting toFinancial Institutions in the following areas: Customer Service &Communication; Credit, Collection, & Compliance; Fraud Prevention &Information Security; and Marketing & Sales. With over 28 years oftraining and speaking experience, Greg and his associates sharepractical “how to” advice that everyone can easily understand and use


in their daily work environment. Greg was Co-Owner and Manager ofThe Credit Bureaus of Southeast Georgia, the parent company for sixCredit Reporting and Collection Agencies based in Brunswick,Georgia. Other Management, Marketing, and Human Resourceexperience includes Credifax, formerly the Credit Bureau ofJacksonville, the Credit Bureau of Valdosta, and the Credit Bureau ofAthens.

Cancellation Policy:Refunds will be given only for cancellations received in written form 3business days prior to the program. If your bank is unable to articipateafter registering, you can also select to receive an OnDemand websitelink to see the information online of the seminar at no additionalcharge.

If you are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase anOnDemand website link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

_______

*Email Address:*please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:D “Live” Web connectionD Additional connection for a branchD 6-month “OnDemand” website link onlyD CD-ROM and materials onlyO Live plus OnDemandwebsite link0 Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: US. P0 Box 310. Waunakee. WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

$255$150$255$295$355$395

Method of Payment:0 Please invoice our bankO Check made payable to TTS0 Mastercard 0 VisaCard Number:

______________

Expiration Date:

Signature:


Opening Donation, Memorial,and Other Accounts for Non-

Profit OrganizationsA web-based seminar

Wednesday, September 10th, 2014,9:00 AM—i 1:00 AM Mountain Time

Program Content:Your bank is asked to open a variety of accounts. Thesemay include accounts for the rotary, sports leagues,hunting clubs, charitable fundraising accounts, andothers for non profit and civic organizations. These arecommon situations many financial institutions face andyou will want to know how to do it before you are asked.

Under the Bank Secrecy Act, these are called“nongovernment organizations” and are high-riskaccounts. What should your standards be to open,change authority, and close these accounts? How canyou protect your financial institution from fraud? Thisprogram will address how to set up the account, style thechecks, pay the bills, and much more.


Cancellation Policy:Refunds will be given only for cancellations received inwritten form 3 business days prior to the program. Ifyour bank is unable to participate after registering, youcan also select to receive an OnDemand website link to see theinformation online of the seminar at no additional charge.


Name:

Bank:

Address:

Covered Topics:• Establishing the authority to open the account,

change signers, and close the account• Customer identification requirements for

nonprofit accounts• Titling, ownership, and access• Taxpayer identification reporting issues -

matching the IRS name file• Changing signers and officers• Common errors and liabilities• Review of donation accounts, campaign

accounts, formal nonprofit accounts, and smallnonprofit organizations from setup to close

• Checks, debit cards, and other matters affectingnonprofit accounts

• Federal regulations, resolutions, and otherdocumentation

Who Should Attend:This informative session will be beneficial for customerservice representatives, branch managers, assistantbranch managers, deposit operations, branchadministration, and all deposit-related personnel.

Presenter:Deborah Crawford is the President of gettechnical inc.She specializes in compliance and regulations for thedeposit side of financial institutions. Her 20+ year careerin banking and training began at Hibernia National Bank.She has been a seminar leader for many stateassociations and credit union groups across the nation.She has Bachelors and Masters degrees from LouisianaState University.

City, State, ZIP:

______________________________

Phone:

*Email Address:

_______________________________

Please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:D “Live” Web connectionD Additional connection for a branchJ 6-month “OnDemand”website link onlyD CD-ROM and materials onlyD Live plus OnDemand website linkO Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: US. P0 Box 310, Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:0 Please invoice our bank0 Check made payable to TTS0 Mastercard 0 Visa

Card Number: -

Expiration Date:

Signature:

$255$150$255$295$355$395


Power of Attorney & Living TrustDocuments


9:00 AM—Il :00 AM Mountain Time

Program Content:Everyday financial institutions are required to completetransactions for customers that involve Power of Attorney orLiving Trust documents. To protect the financial institution’sinterests when using these documents, it is imperative tounderstand the basic do’s and don’ts. This two hourpresentation is designed to provide financial institutionpersonnel with the best practices that can be used in dealingwith these complex legal documents.

Covered Topics:Powers of Attorney

• What is the relationship between the customer, theattorney-in-fact and the financial institution?

• What steps must a financial institution take to protectitself when relying on a Power of Attorney?

• What language should the financial institution look forin the Power of Attorney document when completing atransaction for the attorney-in-fact?

• How is a Power of Attorney revoked and when is thatrevocation binding on the financial institution?

Living Trusts• How to establish the financial institution relationship,

including changing titles and performing transactions(loans or deposits)?

• How many co-trustees does it take to bind the trust?• When can a successor trustee do business for the

trust?• Can a power of attorney be used with a trust

document?• Can a trust own a safe deposit box?• Can a trust co-own an account with another trust (or

person)?

Who Should Attend:Financial institution employees involved with opening newaccounts, deposit or loan documentation and operations willfind this seminar very useful in handling daily day-to-daytransactions.

Presenter:Tern D. Thomas is Senior VP and Legal Department Directorfor the Kansas Bankers Association. Prior to this, she was with“Bankers Choice,” a financial consulting firm. Before this, Ternwas employed in the financial industry for over twenty-threeyears in various capacities. Most notably, she served forfourteen years as in-house legal counsel and trust officer forBank of America and its Kansas predecessors. Receiving herBachelor of Arts degree from Kansas State University in 1985,Tern continued her education at Washburn University Schoolof Law and obtained her Juris Doctor in 1988.


of Law and is a frequent seminar presenter for financialassociations.

Cancellation Policy:Refunds will be given only for cancellations received in written form 3business days prior to the program. If your bank is unable toparticipate after registering, you can also select to receive anOnDemand website link to see the information online of the seminar atno additional charge.

if you are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase anOnDemand website link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:*Email Address:

_______________________________


Please check one of the following:D “Live” Web connectionD Additional connection for a branchD 6-month “OnDemand” website link onlyD CD-ROM and materials onlyD Live plus OnDemand website linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials


$255$150$255$295$355$395

Method of Payment:D Please invoice our bankD Check made payable to TTSC Mastercard C VisaCard Number:

______________

Expiration Date:

_____________

Signature:

Presently, she serves as an adjunct instructor at WashburnUniversity School of Law and the University of Kansas School


Marketing & Advertising

Compliance - The First UDAAP

Hotspot

A web-based seminar

Thursday, September 11th, 2014,


Program Content:If you read the first CFPB enforcement action carefully, it’s clear whatis being targeted: sales and marketing practices. Now more importantlythan ever is the time to learn from others’ mistakes, even if you’re not abig bank subject to the Bureau’s oversight.

With everything going on in the financial services industry, more thanever it is important that your advertising and marketing efforts areeffective. Regulator and examiner attention to your advertising andmarketing efforts is at an all-time high. Advertising is being looked at ina different way than ever before.

There are new standards to observe, especially when it comes toUDAAP (Unfair, Deceptive, or Abusive Acts or Practices). This is aseismic shift in regulatory enforcement, where practices that wereperfectly acceptable in years past are deemed to be problematic now.In the rush to attract new business and keep the clients you have,compliance requirements can be easily be missed or ignored. Is yourmarketing department communicating with your compliance staff?

This session will help. What can you say in advertisements? What doyou have to say? What can you not say? There are many different setsof rules that govern these questions, and more are on the way. Howabout your promotional efforts - contacting prospects and customers tolet them know what you have available? As the complianceenvironment changes and becomes more complex, you have to stayon top of all the rules and regulations. This session can help.

Covered Topics:• What impact does the CFPB have on advertising and

marketing, even if you’re not a big bank?• New Regulatory Focus: Increased attention to unfair,

deceptive, and abusive acts and practices (UDAAP), pluswhat may be considered abusive? How can you stay clear oftrouble? Don’t miss the forest for the trees

• Advertising rules under Reg. Z for both mortgage loans andopen-end plans from the Credit CARD Act

• UDAP standards from the FTC on mortgage loans• Consumer deposit products in Truth in Savings• Rules for consumer loan products in Regulation Z• Fair lending when marketing lending products• “Equal Housing Lender” statement and the logo - when must

these be used?• Advertising over the Internet and social media - different

standards?• Soliciting via the phone and e-mail: the Telemarketing Sales

Rule (TSR), including caller ID requirements, Junk Fax, andCAN-SPAM

• Privacy implications - sharing information under Privacyregulations and FCRA

• Testimonials - FTC standards• Promotions - drawings, giveaways, bonuses, etc.• Tax implications, and what not to say when talking about tax

breaks• And more• Plus, frequent question and answer sessions throughout this

presentation.

Who Should Attend:This session would be useful to anyone involved in the development andmarketing of your institution’s products and services, including the marketingdepartment, compliance officers, auditors, business managers, sales and servicestaff, and anyone else whose duties involve promotion.


Presenter:Can Pry is a Certified Regulatory Compliance Manager (CRCM) and CertifiedRisk Professional (CRP) who is a Senior Director for Treliant Risk Advisors inWashington, DC. Through his working career, as well as through his experienceas a banking attorney and officer, he has provided a variety of regulatorycompliance and financial performance services to financial institutions and otherclients throughout the country. He has written extensively regarding consumerand commercial compliance, tax, audit, and financial institution legal issues, andis a frequent contributor to and currently serves on the Editorial Advisory Boardfor the ABA Bank Compliance magazine. He has spoken at dozens of banking,compliance, and state bar associations, and has conducted training sessions forfinancial institutions across the country.


if you are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase an OnDemandwebsite link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

____________________________________

*please include an email address as this is how your webinar materials will bedelivered to you.

Please check one of the following:D ‘Live” Web connection

D Additional connection for a branch

0 6-month OnDemand’ website link only

0 CD-ROM and materials only

0

0

Live plus OnDemandwebsite link


Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: US. P0 Box 310. Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

$255

$150

$255

$295

$355

$395

Method of Payment:0 Please invoice our bank0 Check made payable to US0 Mastercard 0 VisaCard Number:

_______________

Expiration Date:_______________

Signature:

_____________________


Alert! Financial Crimes EnforcementNetwork: Proposed Customer Due

Diligence Requirements for FinancialInstitutions

A web-based seminarMonday, September 15th, 2014,

9:00 AM—i 1:00 AM Mountain Time

Program Content:The Financial Crimes Enforcement Network (FinCEN) isproposing rules under the Bank Secrecy Act to clarify andstrengthen customer due diligence requirements for banks. Theproposed rules would contain explicit customer due diligencerequirements and would include a new regulatory requirementto identify beneficial owners of legal entity customers, subject tocertain exemptions. This rule will help prevent the use ofanonymous companies to engage in or launder the proceeds ofillegal activity in the U.S. financial sector. The proposed rulewould clarify and strengthen customer due diligence obligationsof financial institutions. The proposed amendments would add anew requirement that these entities know and verify theidentities of the real people (also known as beneficial owners)who own, control, and profit from the companies they service.

These proposed amendments represent significantenhancements to the BSA and build upon post-9/1 1augmentation of the regulations designed to protect the U.S.financial system. They would make valuable information neededto disrupt illicit finance networks available to law enforcement.The resulting increase in financial transparency would enhancethe ability of financial institutions and law enforcement to identifythe assets and accounts of criminals and national securitythreats.

Covered Topics:• The Four Core Elements of Customer Due Diligence

o Identifying and verifying the identity ofcustomers

o Identifying and identifying and verifying thebeneficial owners of legal entity customers

o Understanding the nature and purpose ofcustomer relationships

o Conducting ongoing monitoring to maintainand update customer information and toidentify and report suspicious transactions

• The proposed requirement for financial institution tocollect beneficial ownership in a standardize format

• The proposed requirement that financial institutionswill have to identify and verify any individual whoowns 25 percent of more of a legal entity, and anindividual who controls the legal entity

Who Should Attend:This webinar will benefit BSA officers, BSA coordinators,compliance officers and security officers.





Name:

Bank:

Address:

City, State, ZIP:

Phone:

_______

*Email Address:

Please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:C “Live”Web connectionC Additional connection for a branchC’ 6-month “OnDemand” website link onlyC’ CD-ROM and materials onlyC Live plus OnDemand website linkC Entire Package: Live, OnDemand link, and CD-ROM plus

materials


$255$150

$255

$295$355$395

Method of Payment:C Please invoice our bankC Check made payable to TTSC Mastercard C VisaCard Number:

_________________________________

Expiration Date:

________________________________

Signature:


Writing an Effective CreditMemorandum


9:00 AM—11:00 AM Mountain Time

Program Content:After a detailed credit analysis of a loan request has been performed, itis now time to communicate your findings in writing. Credit memorandaare a primary means of communications within the banking industry. Inwriting effective credit memoranda, it is not what you say thatcommands attention, but how you say it. Credit memoranda servethree functions: 1) they provide information on the condition and statusof a customer relationship; 2) they provide a record of thoughts andactions and 3) they support or recommend action. The purpose of thiscourse is to teach skills required to write an effective creditmemorandum, which places emphasis upon factors or trends that areimportant without the need to state the obvious. In short, the creditmemo should present relevant, material facts and the writers’ thoâghtsand opinions. Remember, anything you write in a credit memorandumwill become public record if you find yourself in court with a borrower.

Covered Topics:• Balance Sheet Analysis• Income Statement Analysis• Cash Flow Analysis• Calculating and interpreting financial ratios and cash flow• Questions to raise with the customer after the credit analysis

is completed• Outline of relevant factors to include in a credit

memorandum• How to report your finding efficiently and effectively in the

credit memorandum• Apply the concepts to a study case

At the end of this course, the participant will be able to:1. Strengthen their understanding of credit analysis2. Interpret financial trends and financial ratios3. Write succinct and focused credit memoranda4. Meet with management armed with relevant questions and

issues to be addressed5. Feel more confident in defending a recommended course of

action based upon relevant facts and not instinct

Who Should Attend:• Commercial Loan Officers• Consumer Loan Officers• Credit Analysts• Loan Review Personnel• Compliance Officers• Internal Auditors• Branch Managers

The participant should have some experience or prior class work inanalyzing financial statements and/or credit analysis.

Presenter:Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as aManagement Trainee and progressed to Vice President and Senior Lender ofSouthTrust Bank and Senior Vice President and Commercial Banking DivisionManager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, BusinessDevelopment, Loan Review, Management and Training & Development. He hasmanaged loan portfolios representing a cross section of loan types including:Large Corporate, High Net Worth Individual, Middle Market Companies, SmallBusiness, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leadingvarious seminars covering important topics relating to issues in financialinstitutions. He teaches actively for fifteen state banking associations in theUnited States, Risk Management Association (RMA) and individual financialinstitutions nationwide. He co-authored a training course entitled BLending toService and Other Professional Organizations” for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College inAtlanta; a MBA in Finance from John Carroll University in University Heights,Ohio; Banking diploma from Prochnow School of Banking at the University ofWisconsin and a Graduate Certificate in Bank Management from the WhartonSchool of Business at the University of Pennsylvania.


If you are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase an OnDemandwebsite link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

_______

*Email Address:

Piease include an email address as this is how your webinar materials will bedelivered to you.

Please check one of the following:“Live”Web connection

Additional connection for a branch

6-month “OnDemand” website link only

CD-ROM and materials only

D Live plus OnDemand website link

D Entire Package: Live, OnDemand link, and CD-ROM plusmaterials



$255

$150

$255

$295

$355

$395

Method of Payment:D Please invoice our bankU Check made payable to iTSU Mastercard U VisaCard Number:

______________

Expiration Date:

____________

Signature:


First Impressions - NewCustomer Onboarding Strategies

A web-based seminar

Tuesday, September 23rd, 2014,


Program Content:

With little differentiation between products, pricing andtechnology one of the most impactful ways to set yourorganization apart from the competition is throughoutstanding customer service, especially with newcustomers. This session will provide an overview ofeffective techniques and strategies on how to build anew retail checking customer onboarding program that issure to turn your brand-new customers into loyal fans.

Covered Topics:

• New account opening checklist• New account marketing materials• Strategies for developing a 120 day touch plan• Setting employee onboarding expectations• How to increase referrals from new customers

Who Should Attend:

Marketing Directors, Retail Sales Executives andManagers.

Presenter:

Debra Bish is a Senior Bank Marketing Professional with15 years of experience in numerous marketingdisciplines. Specific areas of involvement includestrategic analysis and planning, corporatecommunications, merger-acquisition integration,advertising and direct mail campaign development,promotional and sales campaign development and eventmanagement.

Cancellation Policy:

Refunds will be given only for cancellations received inwritten form 3 business days prior to the program. Ifyour bank is unable to participate after registering, youcan also select to receive an OnDemand website link tosee the information online of the seminar at no additionalcharge.

If you are unable to attend the webinar but wouldlike to have this information for training purposes,you may also purchase an OnDemand website linkand/or CD-ROM.

*Email Address:

_____________________________

*please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:1J “Live” Web connectionJ Additional connection for a branch

6-month “OnDemand” website link onlyD CD-ROM and materials onlyD Live plus OnDemand website link1J Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: TTS. P0 Box 310. Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:D Please invoice our bankD Check made payable to TTSD Mastercard D Visa

Card Number: —

Expiration Date:

Signature:



Name:

_______

Bank:

_______

Address:

City, State, ZIP:

Phone:

$255$150$255$295$355$395

Commercial ConstructionLending

A web-based seminarTuesday, September 23rd, 2014,


Program Content:Construction Loan Administration has been designed toprovide Commercial Loan Officers and JuniorCommercial Loan officers a broad introduction to thevarious components of construction lending. Thiswebinar examines and explains the risks and complexityin undertaking Construction Lending. Constructionlending can be a very lucrative lending tool but requiresa specialized knowledge base due to its risk. The goal ofthe program is to provide an overview to the risks,nuances and underwriting needed in the Constructionlending arena.


If you are unable to attend the webinar but wouldlike to have this information for training purposes,you may also purchase an OnDemanci website linkand/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Covered Topics:• Risk to the Lenders• Types of Construction Loans• Construction Loan Agreements• Construction Budgets• Monitoring Advances• Warning Signs

Who Should Attend:This program provides a broad overview to theconstruction lending process. This webinar is intendedfor commercial lenders, junior commercial lenders, loanprocessors, loan administrators and those involved withcommercial lending servicing.

Presenter:Dana Sumner is a co-founder of Development FinanceTraining and Consulting, Inc. (DFTC), with more than 25years of experience as a senior commercial lender andtrainer. He has worked for several financial institutions inboth the private and private non-profit sectors where hehad the opportunity to be involved in all aspects ofcommercial lending. As a result, his approach tocommercial lending issues is practical, hands-on, andbased on real life situations.

Cancellation Policy:Refunds will be given only for cancellations received inwritten form 3 business days prior to the program. Ifyour bank is unable to participate after registering, youcan also select to receive an OnDemand website link tosee the information online of the seminar at no additionalcharge.

Phone:

*Email Address:

______________________________

*PIease include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:D “Live” Web connection

Additional connection for a branchD 6-month “OnDemand” website link onlyD CD-ROM and materials onlyD Live plus OnDemand website linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bartkwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: US, P0 Box 310, Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc


Card Number: -

Expiration Date:

Signature:


$255$150$255$295$355$395

P7 Pn O.,flbZ’7

Morale and Motivation forSupervisors: Keeping the Team

Enthused About Their JobA web-based semniar

Wednesday, September 24th, 2014,12:30 PM—2:30 PM Mountain Time

Program Content:A workplace with high morale often is characterized byemployees that are happy to go the extra mile when interactingwith the customer or when performing job duties and tasks.Financial institutions that strive for impressive profitability andproductivity must learn how to create a positive environmentwhere employees are fired up about what they do and wherethey work.

Reduce the signs of low morale including high employeeturnover, low productivity, coworker conflict, increasedabsenteeism, doing just enough to get by, and a reluctance orlack of enthusiasm to take on additional duties, training, orvolunteering for more responsibilities.

Motivation is an internal component all human beings have butit must be encouraged and challenged. The manager’s job isto create an environment that brings out the best in the staffand in turn the staff brings their best to the job.

This workshop will teach you how to foster and sustain highemployee morale and generate positive employee motivation.

Covered Topics:• Creating an Environment that Sparks Motivation• Establishing Teamwork• Coaching Self-Management and Self-Evaluation• Encouraging Follow the Leader• Getting a Read on Morale• Elevating Employee Morale• Understanding the Keys to Motivation• Implementing Ten Steps that Foster Motivation

Who Should Attend:Supervisors, Branch Managers, and Trainers would benefit from thiswebinar.

Presenter:Janice Branch has been a senior training consultant for InterActionTraining for twenty years. She is a very seasoned presenter that hasall the right stuff to wow her participants about the subject matter. Priorto joining InterAction Training, Janice was the Senior Manager ofTraining for Consolidated Communications where she managed,designed, coordinated and presented training programs for this multistate telecommunications company with over 1000 employees.

Whether it is teaching how to coach, manage, lead, negotiate, service.sell or train at every level in an organization or if it is consulting onproblem solving and servant leadership, Janice is the ‘go-to” personevery bank wants to hear from. Participants appreciate her ‘beenthere, done that” humor along with her expert ability to facilitatelearning.

Janice has obtained a Bachelor of Business Administration with amajor in Management from Almeda University and is certified by theUniversity of Houston in Leadership and Management. In addition,Janice has obtained trainer certifications from Achieve Global andDevelopment Dimensions, Inc.

A native Texan she enjoys many pursuits in addition to teaching andlearning but none more than being a grandmother and tending to herten acre home in Montgomery, Texas just north of Houston.


If you are unable to attend the webinar but Would like to have thisinformation for training purposes, you may also purchase anOnDemand website link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

______

*Email Address:‘Please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:“Live” Web connection0 Additional connection for a branchD 6-month ‘OnDemand” website link only0 CD-ROM and materials only0 Live plus OnDemand website link0 Entire Package: Live, OnDemand link, and CD-ROM plusmaterials



$255$150

$255$295$355$395

Method of Payment:O Please invoice our bankD Check made payable to TTS0 Mastercard 0 VisaCard Number:

________________________________

Expiration Date:

_______________________________

Signature:


Sixty (60) Steps for Properly

Handling Delinquent and

Abandoned Safe Deposit Boxes

(2014 Update)A web-based seminar

Wednesday, September 24th, 2014,

9:00 AM—11:0O AM Mountain Time

Program Content:Questions regarding the collection of past due box rent, drillingdelinquent boxes, securing drilled and inventoried box contents,reporting abandoned property to our state authorities and many otherlegal and compliance issues have caused great concern and confusionfor the safe deposit industry. At this workshop you will receive currentinformation, step by step procedures and an in-depth explanationabout how to handle these issues and how they impact on yourfinancial institution and your safe deposit box renters.

David McGulnn, a nationally known expert in the area of safe deposit,will provide clear concise answers to complicated questions regardingyour institution’s responsibility and potential liability. He will alsoidentify and discuss various compliance issues and current lawsuitsrelating to these issues.

Covered Topics:• Why did fifteen financial institutions get sued recently afler

drilling past due boxes?• How does the Servicemembers Civil Relief Act (SCRA)

apply to delinquent boxes?• What would happen if all your unclaimed property was

destroyed or disappeared?• When are drilled box contents reported to your Unclaimed

Property Department?• Do you have any “Right of Offset” against a past due renteis

deposit account?• What seven past due fees should be collected from all

delinquent box renters?• What does the Unclaimed Property Department do with

these box contents?• Have there been any lawsuits caused by incorrect box

drilling procedures?• If cash is found in a drilled box can it be converted and

mailed in a check?• How do you handle dangerous or illegal contents found in a

drilled box?• Can you sell these box contents and recover your collection

expenses?• Who must be present when a past due box is drilled in most

states?• Can you report a past due box renter to a credit-reporting

agency?• What careful wording should be used in a FINAL past due

notice?• What should we do if money, guns or drugs are found in a

box?• What is the required retention period for drilled box records?• Can you legally restrict box access to a delinquent renter?• Must these boxes be drilled before reporting to the state?• What should you do if you drill the wrong past due box?

Who Should Attend:This informative program is designed to update security and compliance officers,vault supervisors and attendants, branch managers, auditors, training directors,new account personnel and your in-house legal counsel.“This webinar was extremely informative, It held my attention from the moment itbegan I have been the head of the Safe Deposit Box Department of ourinstitution for several years and learned many things that I did not know. This willbe extremely helpful in my position. I can’t thank you enough.” -Kathleen G.,Home Federal Savings and Loan Association


Presenter:David P. McGuinn, President of Safe Deposit Specialists, is a former banker with45 years of safe deposit experience and is often referred to nationwide as thesafe deposit GURU. In all 50 states he has trained over 250,000 safe depositpersonnel since 1969, and has served the industry as President of AIB and theAmerican, Texas and Houston Safe Deposit Associations. Dave is a featuredspeaker for the American Bankers Association’s TV network and has beeninterviewed by the Wall Street Journal, Banking-New York, Washington Post,Money Magazine, New York Magazine, Associated Press, AARP, National PublicRadio, FDIC, CIJNA, CNN, CBS, ABC, NBC Nighty News and Court TV oncurrent safe deposit issues. McGuinn has created numerous training programsand his Safe Deposit Policy and Procedures Handbook, Regulatory/Compliancemanual, products, brochures and training seminars are now the acceptedstandard for the financial industry.


Ifyou are unable to attend the webinar but would like to have thisinformation for training purposes, you may also purchase an OnDemandwebsite link and/or CD-ROM.

Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

___________________________________

Please include an email address as this is how your webinar metenals will bedelivered to you.

Please check one of the following:fl “Live” Web connection

D

D

D

Uve plus OnDemandwebsite link



Method of Payment:D Please invoice our bankO Check made payable to USO Mastercard 0 VisaCard Number:

_______________

Expiration Date:______________

Signature:

____________________

Additional connection for a branch

6-month “OnDemand” website link only

CD-ROM and materials only

$255

$150

$255

$295

$355

$395


Legal Liabilities When CheckFraud Occurs

A web-based seminar

Thursday, September 25th, 2014,

9:00 AM—I 1:00 AM Mountain Time

Program Content:

Check fraud losses are estimated to be in excess of $18 billioneach year. In fact, a recent nation-wide counterfeit checkoperation is estimated to have caused over $9 million inlosses. With more and more counterfeit checks floodingfinancial institutions, this number is sure to increase.Unfortunately, most financial institutions do not understandtheir legal rights and responsibilities for dealing with checkfraud when losses occur. If you are confused about what yourfinancial institution’s legal responsibility might be in variouscheck fraud situations, this seminar is for you.

Covered Topics:

• Tips for spotting counterfeit, forged and alteredchecks;

• Procedures that can be utilized to reduce the bank’sexposure to check fraud losses;

• A plain English explanation of the bank’s legalresponsibility for counterfeit, forged and alteredchecks under the Uniform Commercial Code,Regulation CC and other federal regulations;

• Factors used to determine whether a check fraudvictim has the legal right to expect reimbursement fora loss.

Who Should Attend:

Tellers, Teller Supervisors, Member Service Representatives,New Accounts Personnel, Branch Managers, Security Officers,Fraud Investigators and Fraud Examiners.

Presenter:

Tern D. Thomas is Senior VP and Legal Department Directorfor the Kansas Bankers Association. Prior to this, she was with“Bankers Choice,” a financial consulting firm. Before this, Ternwas employed in the financial industry for over twenty-threeyears in various capacities. Most notably, she served forfourteen years as in-house legal counsel and trust officer forBank of America and its Kansas predecessors. Receiving herBachelor of Arts degree from Kansas State University in 1985,Tern continued her education at Washburn University Schoolof Law and obtained her Juris Doctor in 1988.

Presently, she serves as an adjunct instructor at WashburnUniversity School of Law and the University of Kansas Schoolof Law and is a frequent seminar presenter for financialassociations.



Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

_______________________________

*please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:D “Live” Web connectionJ Additional connection for a branchD 6-month “OnDemand” website link onlyD CD-ROM and materials onlyD Live plus OnDemand website linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials



Card Number:

Expiration Date:

Signature: —



$255$150$255$295$355$395

Business DevelopmentStrategies for Lenders



Program Content:This webinar teaches those charged with businessdevelopment responsibilities the primary skills, thoughtprocesses and behaviors necessary to expand relationshipsand client acquisition. Business development isn’t about luck ormagic. It’s not about being pushy. It’s about following aprocess, it’s about having a plan, and becoming deliberate andon purpose when it comes to exploring and acquiring newbusiness.

Lenders are expected to seek out new business as well asretain and expand existing business. This learning opportunityincludes:

Covered Topics:

.

I

I

I

.

Know and Exceed What is ExpectedManage the ImpressionOvercome ObstaclesSharpen Product KnowledgeIdentify TargetsSet Goals

• Build Your Plan• Execute Your Plan• Use Best Practices for Effective Calls• Document Your Effort and Your Results• Follow Up; Follow Through

The lender is obligated to represent the brand of the company,develop a tactic for knowing products and services, settinggoals, building a sales performance plan that is well-managed,executed and adjusted in order to obtain the desired results.

Who Should Attend:Loan Officers and those responsible for sales training and leading theLending and Business Development programs.“Honey was a good presenter who provided us with immediate,actionable items we could take away from the webinar and begin toenact today, This was a worthwhile use of our bank’s scarceresources.” -Vicki B., Centier Bank

Presenter:Honey Shelton brings the best of both worlds to her speaking andtraining engagements. She has 25 years of experience as a trainingand quality improvement consultant for banks and bankingassociations across the country. Her banking background includesspending three years as Executive Vice President/Chief Retail BankingOfficer with First Victoria National Bank.

Nationally recognized as an outstanding speaker, over a half millionbankers have participated in programs Honey has presented. Herdepth of knowledge, enthusiasm, and compelling personality has lefther lasting mark on InterAction Training, the firm she founded in 1983.

As a graduate of the School of Bank Marketing from the University ofColorado, she realizes the value of quality education. Honey investstime as a faculty member for banking schools around the country. Sheis a repeat presenter for most of the state banking associations.


(ASTD). Currently she is pursuing a self study program on Six Sigma.She has obtained certification in Reality Therapy from the WilliamGlasser Institute as well as certification from the Training andDevelopment Program at Texas A & M.



Name:

Bank:

Address:

City, State, ZIP:

Phone:

_______

*Email Address:*Please include an email address as this is how your webinar materialswill be delivered to you.

Please check one of the following:D “Live” Web connectionO Additional connection for a branch0 6-month “OnDemand”website link only0 CD-ROM and materials only0 Live plus OnDemand website link0 Entire Package: Live, OnDemand link, and CD-ROM plus

materials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: TTS. P0 Box 310. Wauriakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

$255$150$255$295$355$395

Method of Payment:0 Please invoice our bank0 Check made payable to TTS0 Mastercard 0 VisaCard Number:

_______________

Expiration Date:

______________

Signature:

Honey continues in her own personal pursuit of excellence and is amember of the American Society of Training and Development


BSA Series: NRAs, FACTA,

OFAC and Other International

Issues

A web-based seminarFriday, September 26th, 2014,


Program Content:International issues continue to light up the AMLJBSA (AntiMoney Laundering / Bank Secrecy Act) scene this year. Virtualcurrency, OFAC (Office of Foreign Assets Control), PEPs(Politically Exposed Persons) continue to be hot buttons on theradar as we fine tune our BSA programs for 2014. Thisprogram will look at many international issues that affect allfinancial institutions no matter how big and no matter howsmall.

Covered Topics:• NRA (Non-Resident Alien) Exam issues• NewW-8 BEN and W-8BENE• FATCA (Foreign Account Tax Compliance Act) and its

impact on new accounts and withholding rules• OFAC and FSE (Foreign Sanctions Evaders)• Running screens on lATs (International ACH

Transactions)• OFAC Compliance program, risk, screening, and

international situations• Special 311 Measures• Monitoring and your fraud detection systems• International companies, transactions and monitoring• CIP (Customer Identification Program) and COD

(Customer Due Diligence) Issues• Money Service Businesses and virtual currency• PEPs and Embassy exam issues• Funneling and other red flags on international

accounts• Foreign remittances

Who Should Attend:BSA Officers, BSA staff, security officers, compliance officersand those involved in international issues.




Please check one of the following:D “Live”Web connection

D

Additional connection for a branch6-month “OnDemand” website link onlyCD-ROM and materials onlyLive plus OnDemand website linkEntire Package: Live, OnDemand link, and CD-ROM plusmaterials

Ways to Register:ONLINE: www.bankwebinars.comFAX: (800) 831-3776PHONE: (800) 831-0678MAIL: TTS. P0 Box 310. Waunakee, WI 53597Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:D Please invoice our bank

Check made payable to TTSMastercard D Visa

Card Number:

_______________

Expiration Date:


Name:

Bank:

Address:

City, State, ZIP:

_____________________________

Phone:

*Email Address:

_______________________________

“Please include an email address as this is how your webinar materialswill be delivered to you.

$255

$150

$255

$295

$355

$395

Signature:


•.‘“i Schools1111111 of Banking

PRINCIPLES OF COMMERCIAL LENDING SCHOOLOctober 20-24, 2014 • Topeka, Kansas

COMMERCIAL LENDING SCHOOLOctober20-24, 2014 • Topeka, Kansas

OVERVIEW BENEFITSThe Commercial Lending Schools have beencustomized to meet the diverse educational needsof lenders at any level in their careers. Whetherstudents lend to the main street grocery store or amajor manufacturer, the Schools allow attendees torefine and expand their lending skills.

Principles ofCommercial Lending School(PCLS)is ideal for individuals who are new to commerciallending or credit analysis. The School providesattendees with the jc skills to be exceptionalcommercial lenders or credit analysts. Aftergraduating from PCLS, students have the opportunityto attend the invitation only Commercial LendingSchool Three-day Option to gain additional skills.

Commercial Lending School (CLS) is ideal forcommercial lenders and credit analysts (or otherswith equivalent experience at a financialinstitution) who have at least two yearsexperience in commercial lending and arecomfortable with generally acceptedaccounting principles including ratiocalculation and interpretation.

The Schools are designed to teach a lending processapplicable to any commercial borrower regardlessof loan size. Training is in-depth and hands on.Consider a few of the benefits gained by attendingthese Schools

Analyze various business operating cycles

Explore problem loan workout strategies

Gain skill in applying financial analysistechniques to determine past and projectedborrower performance

• Learn cash flow methods, including global cashflow

• Acquire skill in analyzing tax returns and personalfinancial statements

• Learn the questions to ask when structuring acommercial loan

• Enjoy networking opportunities with other lendersfrom different financial institutions

•

•

•

• Gain new perspectives and knowledge from peersand nationally-respected faculty

In partnership with the Colorado, Louisiana, North Dakota, South Dakota andCosponsored by the Kansas and Nebraska Bankers Associations.

Wyoming Bankers Associations.

CURRICULUMThe School curriculum consists of five core modules and two financial analysis modules for either thePCLS or CLS. The financial analysis modules have been customized into skill sets to enhance the learningexperience.

Core Modules Financial Analysis Modules

Understanding Businesses Principles of Commercial Lending SchoolLending Process in Action (PCLS) Principles of Historical Financial Analysis

Principles of Stress Testing & ProjectionCase Study Application (CLS) Analysis

Loan Structure and Credit AdministrationCommercial Lending School

Problem Loans Historical Financial AnalysisCalling, Negotiating and Selling Stress Testing & Projection Analysis

FACULTYMichael Wear Tom Capouch

Omaha, Nebraska Portland, North Dakota

Michael Wear is a Senior Tom is the President of The First &Credit Analyst with First National Bank Farmers Bank. He has been in the bankingof Omaha. He brings over 19 years of industryforover3Oyears, and isanAdjunctcommerciallendingand3Oyearsofbanking Professor of Business at Mayville Stateexperience to the classroom. Mike hastaught AIB courses for over 15 years, University. He also serves on the faculty atincluding Commercial Lending and the School of Lending Principles, as well asAnalyzing Financial Statements. Mike is the Dakota School of Banking.the School curriculum author for CLS andthe core modules. He has also served asa reviewer of the ABA’s CommercialLending textbook.

GENERAL INFORMATIONTo register, please complete and fax or e-mail the registration form to Schools of Banking at 402-474-2148 orschoolsnebankers.org. You may also access www.schoolsofbanking.com and submit the PDF fill-inapplication form. Your bank will be invoiced for the applicable fee:

$1,650 Single Housing$1,550 Double Housing$1,450 No Housing

Fees include registration, instruction, curriculum, four nights lodging (if applicable), breakfasts, lunches, breakservice and one pizza dinner. All functions and accommodations are at theTopeka Ramada in Topeka, Kansas.Nonmembers of their State Banking Association must pay an additional administrative fee of $725 andare not guaranteed admission.

If a disability or medical condition might affect your participation in this event, please attach a brief letter to Schoolsof Banking regarding any special needs. In addition, please advise us if you have any special dietary needs.

All applications for admission must be received by September 19. Housing availability cannot be guaranteedafter September 19. Individuals registering after the enrollment deadline of September 19 may be subject to a$50 late fee. Any registrant withdrawing in writing by September 19 will receive a refund minus a $50 processingfee. Registrants withdrawing September 20 through October 3 will receive a refund minus a cancellation fee of$363. Registrants withdrawing October 4 or later forfeit the entire enrollment fee.

Date of Birth

_______

C MaleMM/DDIYY

C Smoking (if available) C Non-Smoking

(For Office UseDate Ack’d

________

oPDFAcknow

SCHOOL SELECTION: C Principles of Commercial Lending School (PCLS) OR C Commercial Lending School (CLS)

ENROLLMENT FEE: C $1650 Single Housing C $1,550 Double Housing C $1,450 No HousingNonmembers of their State Banking Association must pay an additional administrative fee of $725.

RETURN THIS REGISTRATION FORM AND FEE BY SEPTEMBER 19 TO:Schools of Banking, P.O. Box 80008, Lincoln, NE 68501-0008

Phone: 402-474-1555 U Fax: 402-474-2148 • E-Mail: [email protected] • Web: schoolsofbanking.comThis institution does not discriminate with regard to race, creed, color, sex, age, religion, or national origin.

— — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — —

REGISTRATIONFORM

PRINCIPLES OF COMMERCIAL LENDING &COMMERCIAL LENDING SCHOOL

October 20 - 24, 2014. Topeka Ramada - Topeka, Kansas

A PDF fill-In application form is available at www.schoolsofbanking.com IIMPORTANT: Please make a copy of this application for your files. Please print or type the following:

Name (as you wish it to appear on diploma)

Your Title

Business Telephone Number Cell Phone Number

Bank

Bank P.O. Box or Street Address

City State Zip

Nickname (for badge) Last 4-digits of Social Security #

E-mail Address (all confirmations will be made via e-niail)

Main Bank Name (if different)

Main Bank Address (if different)

Roommate Request, If Applicable (Name & Bank)

In case of emergency, contact: (Name & Telephone #)

BACKGROUND INFORMATION FOR HOUSING: C Female

C No Preference

CORRECT SCHOOL SELECTION INFORMATIONRegistering for the correct School (Principles of Commercia/ Lending School vs. Commercial Lending School) is primaryto ensure a quality learning experience. The Schools of Banking offers you a choice of selecting from two distinct levelsof Financial Analysis instruction in order to customize your learning experience and better match your background andexperience in Commercial Lending:

The Principles of Commercial Lending School (PCLS) reviews the line item components of a company’s Balance Sheet,Income Statement and Statement of Cash Flow. In addition, using the same company, key financial ratios are calculatedand interpreted.

The Commercial Lending School (CLS) builds upon the knowledge base of PCLS withadvanced analytical techniques and deeper interpretation of ratios; in other words,getting behind the numbers. It is important to have a solid working knowledge offinancial statements and ratios.

Both Schools provide you with methods to evaluate the management of commercialborrowers. A good match with your background and experience will help you get themost from the curriculum, case samples, analytical tools provided, and small groupexercises.

I To assist in this selection, please visit www.schoolsofbanking.com/Schools.html andclick on the “Should I go to Principles of Commercial Lending School or Commercial

I Lending School?” link. This will open an Excel worksheet that will help you decidewhich School is best for you.

GSB Online SeminarsSeptember 2014

Co-Sponsored By:The Graduate School of Banking at the University of Wisconsin-Madison and Wyoming Bankers Association

S3& “1F1Upcoming Programs (listed in start date order):

For additional information— including detailed session descriptions and presenter bios—and to register online,please visit www.gsb.org/program_calendar.htm

Three Ways to Improve Your Strategic Planning Getting in the Door with ProspectsSeptember 4 at 2:00 p.m. Central Time September 15 at 1:30 p.m. Central Time

Recipe for an Effective Sales Environment Build an Effective Referral Program in 60 Days

September 9 at 10:00 a.m. Central Time September 17 at 10:00 a.m. Central Time

Business Cash Flow Basics and Global Cash Flow Managing the Customer Experience — It’s a Bottom Line

Integration Issues for Lenders and Analysts Necessity

September 9, 16 & 23 at 10:30 a.m. Central Time September 17 at 2:00 p.m. Central Time

Financial Statement Projections: Going Beyond Historical Problem Loan Identification and Prevention

Ratio and Cash Flow Analysis September 18 at 8:30 a.m. Central Time

September 9, 16 & 23 at 1:30 p.m. Central TimeLeverage the Middle of Your Organization

Essentials to Improve Your Business Development September 18 at 10:00 a.m. Central Time

ProgramSeptember 9 at 2:00 p.m. Central Time Eight Habits of Effective Bank Managers

September 18 at 2:00 p.m. Central Time

Liquidity Risk: Basics — Measuring and ManagingSeptember 9 at 2:00 p.m. Central Time

Delegating for EffectivenessSeptember 19 at 9:00 a.m. Central Time

Creating Compelling Advertising for Community BanksSeptember 10 at 10:00 a.m. Central Time

Understanding the Business of Banking and Factors thatDrive Profitability

It’s Time for Subchapter S September 23, 24 & 25 at 9:30 a.m. Central Time

September 10 at 10:00 a.m. Central TimeIT Audit for Community Banks

Five Steps to a Successful IT Risk Assessment September 24 at 2:00 p.m. Central Time

September 10 at 2:00 p.m. Central TimeImplementing and Disclosing ARMs Program

Money Saving, Money Making Marketing IdeasSeptember 25 at 10:00 a.m. Central Time

September 10 at 2:00 p.m. Central TimeAdvanced Tax Return Analysis for the Banker

Common Mistakes in Mergers and AcquisitionsSeptember 30 at 10:30 a.m. Central Time

September 11 at 10:00 a.m. Central TimeCapital Planning Webinar Series

Five Ways to Improve the Value of Your OrganizationSept 30, Oct 7 & 14 at 2:00 p.m. Central

September 11 at 2:00 p.m. Central Time Time

About The GSB Online Seminar SeriesThe GSB Online Seminar Series offers a convenient, cost-effective way to access quality educational opportunities. GSBseminars are designed to meet the dynamic learning needs of today’s busy financial professional and are delivered bysome of today’s top industry experts. All sessions are recorded, so if you’re unable to attend one of the livepresentations, it’s no problem! When you register for a GSB Online Seminar, you’ll have access to the live presentationas well as a recording of the live session in case you are unable to attend the entire program. There is no additional feeto view the recording, it’s included in your registration fee. It’s your choice to attend the live session, view therecording—or do both—based on your schedule. With the GSB Online Seminar Series you’ll benefit from:

• Nearly 100 relevant, bank-specific courses that deliver must-know information• A variety of live, interactive courses offered throughout the year—each recorded for scheduling flexibility• Additional On-Demand seminars on popular topics available anytime, anywhere, to fit your schedule. Instructor

contact information is provided so you have the ability to ask questions as you go through the recordings.• Competitive pricing—one fee allows multiple attendees to participate through a single connection and includes

all handouts and materials• State-of-the-art technology that ensures a quality learning experience• The faculty and expertise of the nation’s most respected graduate banking school

For additional information, please visit gsb.org

Wyoming Bankers Associtior Sep±ember 2014 · 2018. 4. 3. · Friday. September 19. 2014 7:00-8:00...

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