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Webinar Training Catalog Volume 10-09

Auditing Auditing ACH .................................................................................................3

Compliance Adverse Action Notification: What to Do & When to Do It!............................2 Advertising Compliance.................................................................................2

Call Report Loan Classification & Reporting: RC-C & Related Schedules ...3 Countdown to Reg Z & RESPA: Deadlines Begin 10/1/09 ...........................4 Good Faith Estimates (GFEs) & HUD-1 Settlements ....................................6 How to Ace A Remote Deposit Capture Exam ..............................................7 New Regulations & Requirements for Overdraft Protection...........................8

Payments Systems Update ...........................................................................9 Required Compl. Training for Commercial Loans Secured by Real Estate ...9

Roth IRAs: Opening, Reporting, Compliance .............................................10 Top 10 HSA Trouble Spots..........................................................................10

What Bankers Need to Know About Repossessions ...................................10

Directors Assessing Your Bank’s Insurance Coverage for Risk Exposure....................3

Auditing ACH .................................................................................................3 Director Series: Current Issues & Future Challenges ..................................5

Front-Line Staff Electronic Debits: Substitute Checks, ACH: Understanding the Difference.5 Endorsements: Authority & Liability ..............................................................5

Frontline Skillworks: Tax ID Numbers & Documentation ..............................6 Head Teller Development: Managing Dual Controls & Cash Limits..............7 Roth IRAs: Opening, Reporting, Compliance .............................................10 Top 10 HSA Trouble Spots..........................................................................10 When a Deposit Customer Dies ..................................................................11

Information Technology Most Critical Tech Trends Facing Community Banks in 2009-2010 ..............7 Network Security 101.....................................................................................8

Lending Adverse Action Notification: What to Do & When to Do It!............................2

Analyzing Cash Flow in Commercial Lending................................................2 Call Report Loan Classification & Reporting: RC-C & Related Schedules ...3

Collecting Past Due Loans: Preparation, Scripting & Follow-Up...................3

Countdown to Reg Z & RESPA: Deadlines Begin 10/1/09............................4 Determining “Mental Competence:” The Banker’s Perspective ....................4 Evaluating Liquidity & Interest Rate Risk on a Daily Basis............................ 6 Good Faith Estimates (GFEs) & HUD-1 Settlements.....................................6 Regulators & Impaired Loans.........................................................................9 Required Compl. Training for Commercial Loans Secured by Real Estate....9 What Bankers Need to Know About Repossessions ...................................10

Management Advertising Compliance .................................................................................2

Analyzing Cash Flow in Commercial Lending................................................2 Assessing Your Bank’s Insurance Coverage for Risk Exposure................... 3

Collecting Past Due Loans: Preparation, Scripting & Follow-Up...................3 Countdown to Reg Z & RESPA: Deadlines Begin 10/1/09............................4

Director Series: Current Issues & Future Challenges ..................................5 Endorsements: Authority & Liability ..............................................................5 Evaluating Liquidity & Interest Rate Risk on a Daily Basis.............................6

Head Teller Development: Managing Dual Controls & Cash Limits ............. 7 How to Ace A Remote Deposit Capture Exam...............................................7

Most Critical Tech Trends Facing Community Banks in 2009-2010...............7 Payments Systems Update............................................................................9

Regulators & Impaired Loans.........................................................................9 Required Compl. Training for Commercial Loans Secured by Real Estate....9

Operations Auditing ACH................................................................................................. 3 Electronic Debits: Substitute Checks, ACH: Understanding the Difference .5 Endorsements: Authority & Liability ..............................................................5

Frontline Skillworks: Tax ID Numbers & Documentation...............................6 Head Teller Development: Managing Dual Controls & Cash Limits..............7

How to Ace A Remote Deposit Capture Exam...............................................7 New Regulations & Requirements for Overdraft Protection ...........................8

Payments Systems Update........................................................................... 9 Roth IRAs: Opening, Reporting, Compliance..............................................10 Top 10 HSA Trouble Spots ..........................................................................10

What Bankers Need to Know About Repossessions ...................................10 When a Deposit Customer Dies...................................................................11

Security/Loss Prevention Network Security 101.....................................................................................8


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Adverse Action Notification: What to Do & When to Do It!Presenter: Ann Brode, Brode Consulting Services, Inc. (Web# 091009)

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: Adverse action notification is a compliance requirement that must be done “just right!” Accurate completion of adverse action notices is important for several reasons:

1. Their accuracy and timeliness are reviewed during compliance exams, 2. Adverse action notices are a cornerstone in fair lending examinations,

and 3. Consistent, inaccurate notices could result in the bank being required to

go back six months, review past notices, and re-send accurate denial notices. (Imagine the reaction of a past, unsuccessful applicant who gets a reminder denial notice!)

Learn the importance of handling denial notices in accordance with Regula-tion B. Discover how to include denials with your sample for your internal comparative file review for fair-lending compliance. This training is neces-sary for all compliance officers, auditors, loan officers, and loan processors responsible for denials.

Highlights include: Common errors in completing adverse action notices Requirements for incomplete applications Appropriately documenting withdrawn applications Handling counteroffers Timing requirements for denials under Regulation B Second reviews of adverse action notices for fair lending purposes Comparative file review for fair lending on denials

Advertising Compliance (Web# 090309) Presenter: Elizabeth Fast, Banker’s Choice

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: What you don’t say can be a compliance violation! What you do say can be a compliance violation! Confusing? You bet! Whether it is print media, radio, TV, lobby posters, or the Internet, multiple regulations impact your bank’s advertising. You must be knowledgeable to avoid com-pliance pitfalls. However, rules and regulations can be costly to implement and difficult to interpret. This session covers the numerous rules and regu-lations that restrict advertising content and mandate specific disclosures, as well as the form and content of all types of bank advertising. Risking non-compliance is not an option! A single regulatory violation, or worse, a pat-tern of violations, can lead to regulatory fines and potential lawsuits. En-

sure your staff understands all federal advertising compliance regulations with this session designed for managers, compliance officers, legal officers, and marketing personnel.

Highlights include: Compliance 101 – common mistakes Misleading and deceptive advertising practices Special rules for websites Restrictions on use of email and fax solicitations Copyright and trademark infringement Truth-in-lending disclosures, Fair Housing Act, & other lending matters New FDIC insurance signage rules

Analyzing Cash Flow in Commercial Lending (Web# 102209) Presenter: Wayne Linder, Young & Associates, Inc.

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: Because sustainable cash flow analysis is a useful indicator of a business entity’s future repayment ability, regulators emphasize cash flow as the primary indicator of creditworthiness. Inadequate or shortages in cash flow lead to credit risk down-grades from the regulators. Loan officers often rely on a self-employed borrower’s tax returns and supporting sched-ules to verify their income. Learn the questions to ask to analyze a busi-ness’s cash flow, whether it’s a proprietorship, corporation, or partnership. Discover how to use the business’s federal tax return to analyze cash flow. This training is for loan officers, credit analysts, loan review personnel, and auditing personnel that already have a basic understanding of the five C’s of credit and how they are analyzed.

Highlights include: Basic methods for determining cash flow Cash flow issues

Taxes, dividends, and contributions Interwoven relationship of business and personal cash flow Rent and properly account for real estate and related debt Owner’s compensation

Types of cash flow: business, global, and contingency Which to use – AGI or net income per books Analyzing cash flow

Small closely-held business Expansion projects Investment rent property Commercial real estate developers

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Assessing Your Bank’s Insurance Coverage for Risk Exposure Presenter: Nichol Beckstrand, Sunrise Banks (Web# 082009)

ONLY CD AVAILABLE Description: Although you cannot eliminate all risk in banking, the right insurance policy with proper limits can be a strong element of your Enter-prise Risk Management (ERM) program. What types of insurance coverage are available and how could they enhance your ERM Program? What amount of coverage is appropriate? Which policies are worth the premium? How much insurance is enough? Get insight into these questions and more. Policy pros/cons and pitfalls in making claims are reviewed. Highlights include risks and points to consider in various policy types, as well as non-traditional services that insurance companies can provide to enhance your ERM program (i.e. contract insurance review). Analyze your bank’s exist-ing insurance coverage and evaluate whether other or modified insurance types will further enhance your risk profile with this session designed for internal auditors, enterprise risk managers, senior management, and staff who manage the bank’s insurance policies.

Highlights include: Property/Casualty: Liability & OREO - high risk Professional liability

Directors and officers Employment practices liability Fiduciary liability

Plastic card Workers’ comp Bond Vehicle and mortgage umbrellas Cyber security and liability

Auditing ACH (Web# 100809) Presenter: Nichol Beckstrand, Sunrise Community Banks

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: Do you want to reduce your liability and manage your ACH risk? This session covers the NACHA ACH audit criteria and explains the methods, procedures and requirements. Educate your internal and compli-ance auditor on the audit requirements for each ACH Network participant, steps to prepare for the annual compliance audit, and how to conduct an ACH audit. Teach your operations personnel what to expect when the audi-tors arrive. Take your ACH program from a yes/no inquiry program to test-able procedures with this program designed for operations personnel, ACH processors, internal auditors, and compliance officers.

Highlights include: NACHA ACH audit requirements – tips for performing each step

Account statements & agreements (customers & TPSP) Pre-notes, acceptance, and posting Returns and return reasons NOCs Adjustment entries Record retention requirements

Call Report Loan Classification & Reporting: RC-C & Related Schedules (Web# 081909) Presenter: Judith Alexander Jenkins, Bank Training Services

ONLY CD AVAILABLE Description: Reporting loan and credit information is essential to regulator review of the bank’s condition. Accurately classifying and reporting loans is critical, but often difficult. Most of the recent revisions have affected the loan schedules. Call Report loan classification, which determines reporting on RC-C, RC-K, RC-N, RI, and RI-B is addressed, as well as reporting in-sider credit extensions and off-balance-sheet items. This program offers a much-needed opportunity to train the entire loan accounting staff on loan classification and recent revisions to loan schedules. Both experienced and inexperienced Call Report preparers and reviewers (as well as those contrib-uting data to the report) will find this training valuable.

Highlights include: RC-C Loans & Leases RC-K Quarterly Averages RC-L Commitments, OD Programs, Derivatives RC-M Insider Extensions of Credit RC-N Past Due & Nonaccrual RI Loan Interest & Fees RI-B Charge Offs & Recoveries

Collecting Past Due Loans: Preparation, Scripting & Follow-Up (Web# 092409) Presenter: Greg Souther, Greg Souther Consulting & Seminars, Inc.

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: 2009 will be remembered as a tough collection year. Manag-ing collection efforts during a difficult market requires strong collection knowledge and phone skills when contacting customers and negotiating payments. Identifying loans before they become delinquent requires your staff to have the necessary systems and proc- (Continued on next page . . . )


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esses in place to quickly identify which customers need attention. This pro-gram provides the Best Practices designed to help you develop phone and face-to-face scripts and get your accounts receivable fiscally fit! Learn col-lection techniques that everyone in your bank can implement for more ef-fective collection strategies with this session designed for CEOs, CFOs, directors, presidents, branch managers, commercial and consumer lenders, compliance officers, collection staff, trainers, human resources, and anyone responsible for establishing and maintaining credit and collection policy and procedures. One idea put into practice can literally make or save your bank thousands of dollars!

Highlights include: Investigating the customer on the front end & steps to protect your bank Scripting your conversations – get results over the phone and in person Call techniques – collecting the money before the competition Collection tips for habitual late paying customers FACTA compliance – Reg V letters that insure compliance – examples

included in the handouts Reporting past due customers and the benefits to your bank Bankruptcy chapters 7 and 13 – steps to protect your organization

Countdown to Reg Z & RESPA Compliance: Deadlines begin October 1, 2009 (Web# 081409) Presenter: Ann Brode, Brode Consulting Services, Inc.

ONLY CD AVAILABLE Description: With all the recent lending regulatory changes, it can seem like we need a “road map” to make sure we’re staying on track! For exam-ple, even after some final RESPA regulations were announced – with dead-lines – more changes have occurred. Initial changes were substantial and it is critical to be prepared to implement them, as well as be aware of revi-sions. That’s exactly why this must-attend session is designed to provide a “road map” to assist you in navigating the Regulation Z and RESPA changes. The materials include due dates, tools, and checklists to keep you in compliance. Ensure you have not missed any of the important changes, due dates, or requirements for Reg Z and RESPA with this session designed for compliance officers, auditors, loan officers, and anyone in loan admini-stration or processing. As an added bonus, the participant manual is in MS Word so you can edit the sample language, data, and instructions to cus-tomize your bank’s materials.

Highlights include: Reg Z changes, due dates, compliance tools

Higher cost real estate loans Checklist and tools for income, debt, creditworthiness verifications Timeline/checklist for Reg Z early and final disclosures

RESPA changes, due dates, compliance tools (including very recent amendments and rescinded changes)

Checklist for testing accuracy of GFE Checklist for testing accuracy of HUD Escrow procedures and checklists

Determining “Mental Competence:” The Banker’s Perspective Presenter: Elizabeth Fast, Bankers Choice (Web# 080609)

ONLY CD AVAILABLE Description: Determining the mental competency of a customer is a legally complicated and undesirable situation for the bank. Absent a court’s legal adjudication of mental incompetency, the law presumes every adult is le-gally competent to transact bank business. However, customers are able to void contractual obligations to the bank if they were mentally incompetent at the time of the transaction.

This puts the bank in a precarious position. If the bank transacts business with the customer, it risks that those contracts will be voided later. How-ever, if the bank refuses to transact business, it risks discrimination or unfair treatment complaints. Since bankers are not doctors or psychologists, how do you know if a person is mentally competent to conduct bank transac-tions? Learn the legal rules regarding mental incompetency and the best practices for bankers when a competency determination is needed. This session is designed for both the deposit and the loan sides of the bank, and is relevant to loan officers, private banking officers, CSRs, deposit/loan op-erations personnel, compliance officers, legal officers, and management.

Highlights include: What constitutes evidence of mental incompetency? What qualifies as an adjudication of mental incompetency? Does the appointment of a representative payee by the SSA affect non-

SSA transactions? How should the bank deal with minors? What should the bank do to protect itself in these situations?

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Director Series: Current Issues & Future Challenges Presenter: Jeff Gerrish, Gerrish, McCreary, Smith LLC (Web# 091709)

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: Being the director of a community bank is more challenging than ever with the financial markets meltdown and community banks being painted with the same broad brush as others. Whether you are public, pri-vate, or Sub S, there are vital issues that directors need to know. Some is-sues involve the basic underpinnings of director obligations, while others are “hot topics.” Learn the Board’s responsibility in meeting the expecta-tions of stakeholders, regulators, shareholders, customers, and employees. Differing stakeholder needs often create conflicting pressures on directors. Understand your fundamental duty as a director – allocating the financial and managerial capital of the organization in view of the hot buttons in to-day’s environment. This program is designed for inside directors, outside directors, senior officers, outside CPAs, and legal counsel.

Highlights include: Understand today's environment as it relates to directors’ obligations Allocation of capital while in a regulatory hammerlock Dealing with the regulators in an uncertain environment Planning for the return of the good times Long-term profitability and maintaining shareholder value Impact of regulatory restructuring Pending legislation and regulation Acquiring a troubled or failed bank What is the long-term plan for success? Hot topics

Electronic Debits: Substitute Checks, ACH: Understanding the Difference (Web# 102909) Presenter: Wendy Wishon, EPCOR

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: Electronic payment transaction volume exceeded traditional paper check transaction volume for the first time in 2006. The payments industry has seen a shift from clearly-defined payment channels and mecha-nisms to mostly ‘electronic’ payments. While the payment channels exist, it can sometimes be challenging for bank staff to recognize whether the payment is a check or ACH. This session provides information on the ‘new’ payments we are seeing; assists in identifying payment origination; and gives guidance on the rules and regulations that apply to various types of electronic debits. Understand the current check collection environment (Continued on next page . . . )

and effectively handle returns, adjustments, and customer disputes related to these payments with this training for back office operations staff, staff responsible for returns and adjustments, and customer service staff.

Highlights include: Overview of Check 21 and ACH check conversion Learn how a paper check becomes a ‘substitute check’ or an ACH debit Tips on how to recognize the payment application used to collect the

check Understand how to return substitute checks and ACH debits Dealing with customer questions related to substitute checks or ACH

debits Endorsements: Authority & Liability (Web# 102009) Presenter: Deborah Crawford, gettechnical, inc.

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: Understanding endorsements is crucial to making sound check-cashing decisions. Endorsement decisions revolve around authority and liability. However, endorsements can be an extremely “gray” area. For example, what is your liability when returning a check for a forged endorse-ment? Do you have to refuse an item when a customer won’t endorse a check or writes in pencil?

Checks are unique contracts where ownership can be transferred by the en-dorsement. Who has the right to endorse a check and where should the en-dorsement be placed? What happens if a check is not endorsed properly and when is it best to refuse a check with missing/problem endorsements? What about deceased customers, business accounts, minors, income tax checks, trustees, and powers of attorney? This session addresses all these points, including the legal issues of endorsements. Gain the confidence and understanding you need to knowledgeably and professionally make en-dorsement decisions and save your bank money on check losses. This pro-gram is beneficial for staff who handle check negotiation and check approvals, including tell-ers, head tellers, cashiers, branch managers, branch administration, bookkeeping, compliance personnel, and CSRs.

Highlights include: Forged endorsements – time frames and losses Missing endorsements – do you return? Handling checks for decedents – liability and potential loss when cash-

ing checks payable to deceased customers or depositing them in a joint account


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Business check potential liability – cashing corporate checks, less cash on business checks

Who can negotiate Treasury Checks and recurring benefit payments? How do you handle checks that say without recourse? Without preju-

dice? Or PEG? Handling fiduciary checks such as trusts, power of attorney, and repre-

sentative payees – how do they endorse and can they cash the check? Issues such as endorsements in pencil, customers who refuse to endorse

a check, witnessed endorsements, and more Learn where your liability is and who has authority on these checks

Evaluating Liquidity & Interest Rate Risk on a Daily Basis Presenter: Ann Brode, Brode Consulting Services, Inc. (Web# 101409)

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: We couldn’t be in a more challenging environment when it comes to managing liquidity and interest rate risk (IRR). The key question is, “What do examiners expect?” Examiners look for both daily manage-ment and a long-term game plan. Those expectations are outlined in re-cently-issued circulars. Does your bank have a game plan for liquidity and IRR? This program provides that plan and a monitoring system (e.g., ALCO meetings, reporting mechanism to the board, risk assessments, etc.). Ensure compliance with examiners’ expectations and develop the most efficient and effective pro-gram for your bank with this program designed for CFOs, ALCO committee members, directors, and auditors.

Highlights include: Conducting risk assessments and IRR risk as-

sessments to meet regulatory requirements Using these risk assessments to develop your liquidity policy and IRR

policy – sample language is included Explore examiner expectations during an exam Overview of a monitoring process How to communicate this important area to the board

Frontline Skillworks: Tax ID Numbers & Documentation: US Citizens, Resident Aliens, Non-Resident Aliens (Web# 091509) Presenter: Deborah Crawford, gettechnical, inc.

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: Understanding tax payer identification numbers is key for opening, documenting, and properly certifying accounts. What are an SSN, (Continued on next page . . . )

EIN, and ITIN? When do we complete a W-8BEN? What is our responsi-bility in determining tax status on interest-bearing accounts? How does the customer get an EIN for his/her nonprofit organization? When is it appro-priate to use SSN or EIN for a business account? What is a resident versus a non-resident alien? Learn how to open and document the tax payer identi-fication numbers for your customers’ various personal and business ac-counts with this program for front-line personnel, those who supervise and train front-line staff, and compliance officers.

Highlights include: Opening accounts and certifying TIN The difference between a US citizen, resident, and non-resident alien How do I differentiate between a SSN, ITIN, and EIN? Understanding W-8BENs and W-9s What it means when a social security card says authorized for work or

not authorized for work Can you have a US citizen and a non-resident alien in a joint account?

Which tax status rules? Are there special rules for Canadians? Do we have to have a copy of the social security card? When do we use an SSN and when do we use an EIN on a business? What if the customer does not have an EIN and wants to open a hunting

club account? Good Faith Estimates (GFEs) & HUD-1 Settlements: Getting It Right! (Web# 101509) Presenter: Jennifer McCollough, Compliance Services Group

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: Consumers who have had a mortgage know how complex the process can be and may be aware that sometimes fees are excessive. How-ever, most are so anxious to get financing, they just accept the associated costs without knowing if they are competitive or appropriate. The Depart-ment of Housing and Urban Development (HUD) has recognized these is-sues and, for the first time in over 30 years, published mortgage reforms to clarify mortgage loan costs and help consumers shop for the lowest-cost mortgage. The reforms bring significant changes to the Good Faith Esti-mate (GFE) – a step HUD estimates will save consumers nearly $700 in closing costs.

To help consumers understand the “fine print,” we will switch to a 3-page, easy-to-read version of the GFE on January 1, 2010. Armed with this infor-mation, consumers will be able to compare costs disclosed in the GFE with

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costs actually assessed and disclosed on the HUD-1 Settlement Statement. Train your loan officers, loan support staff, compliance officers, and audi-tors on these upcoming changes and be prepared for the January 1, 2010, implementation.

Highlights include: Review of loan summary section added to GFE and HUD-1 Understand your obligations for completing the summary Closing costs:

Which can increase and which can’t? The amount by which a fee can change Third-party costs & your bank’s obligations in controlling them

When has an “application” occurred and when is the GFE is required? The “shopping chart” on the GFE and how it benefits consumers HUD-1 “comparison charts” Provisions that allow lenders to correct disclosure violations

Head Teller Development: Managing Dual Control & Cash Limits Presenter: Ann Brode, Brode Consulting Services, Inc. (Web# 081309)

ONLY CD AVAILABLE Description: Responsibility for the vault, teller cash limits, and dual control are among the most important responsibilities of a head teller. Auditors and examiners continuously cite banks for lack of “dual control” or double cus-tody. Regardless of how many staff you have, the job must be done well and in compliance with regulations. This session covers areas of dual con-trol, starting with high risk issues, as well as cash limit management for tell-ers and the vault. The handouts include guidance and written procedures to make this process more efficient. Ensure your procedures are efficient and compliant with this training designed for head tellers, assistant head tellers, teller supervisors, teller trainers, auditors, and compliance officers.

Highlights include: Dual control issues and procedures for:

Vault entry logs Vault cash Security logs (e.g., bait money, security devices logs, etc.) Teller audits ATM audits Wire transfers

How to maintain proper cash limits; including procedures for ordering and sending cash to the Federal Reserve or your cash courier service.

How to Ace a Remote Deposit Capture Exam (Web# 100609) Presenter: Lee Wetherington, Goldleaf Financial Solutions

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: Acing your RDC exam is strategically crucial. With 20% of small businesses interested in RDC but less than 3% installed, community banks must meet examiner expectations to fully leverage RDC and win the ongoing land grab for low-cost core deposits.

Since the FFIEC’s release of Risk Manage-ment of Remote Deposit Capture last January, banks offering Remote Deposit Capture (RDC) have been somewhat uncertain about interpreting the guidance and preparing for the exams that enforce it. Too strict an interpretation might undermine the business case for RDC; too loose may put the bank at odds with examiners. Until FFIEC IT Exam Handbook updates are released, bankers must look to the RDC exam experiences of their peers to properly prepare. This practi-cal program addresses specific actions your bank can take to anticipate, pre-pare for, and ace your next RDC exam. It is designed for bank officers and staff responsible for ongoing development, risk mitigation, and RDC ser-vice compliance.

Highlights include: Examiners’ RDC exam objectives Information examiners frequently request before RDC exams Top 5 RDC exam findings and how to preempt them Specific, proactive steps to meet your examiner’s expectations and re-

duce RDC risk Ways to let examiners know that you know what you’re doing (and sof-

ten their stance) Most Critical Tech Trends Facing Community Banks in 2009-2010 Presenter: Lee Wetherington, Goldleaf Financial Solutions(Web# 082509)

ONLY CD AVAILABLE Description: Community banks are poised to benefit from “flight to qual-ity.” However to capitalize, community banks must meet the expectations of consumers and businesses looking to re-establish trust without sacrificing products and services. Consumers are looking for a safe place to bank and for meaning beyond a balance update. Businesses feel victimized by big banks’ tightening standards and changing terms. Fifty percent of small and medium-size businesses are seeking a new bank or considering a switch. Now is the perfect opportunity for community banks with the foresight and fortitude to act.

(Continued on next page . . . )


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Get a practical review of the strategies, tactics, and technologies that can help your bank survive 2009 and exploit the opportunities it presents. Learn the technologies and tactics your bank can use to exploit trends and shifts in customer fears and expectations. Banks that leverage technology wisely this year will win the core deposit land grab, capitalize on shifts in payments, and, most important, secure that small percentage of customers who make community banks profitable. This session is designed for bank officers and staff responsible for strategic technology initiatives and cus-tomer acquisition/retention.

Highlights include: Most critical trends and shifts in customer expectations, technology,

and payments Top 10 cost-saving, revenue-generating bank technologies New and surprising research findings in remote deposit and mobile

banking Specific ways to capitalize upon “Flight to Quality” – business and con-

sumer Virtualization ROI: cutting costs, not security Beyond 2009/2010: using Web 2.0 and widgets to be where your cus-

tomers already are Network Security 101 (Web# 092209) Presenter: Dr. Kevin Streff, Secure Banking Solutions

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: Are you responsible for IT at your bank? Do you serve on the IT Committee, but don’t have formal IT training? Are you responsible for IT and IT examinations and want to learn more about the basics of network security? Whether you handle IT full-time or part-time, managing the net-work is a big responsibility. This program includes networking basics, net-work security basics, managed security services, logging and monitoring, patch management, authentication, firewalls, intrusion detection systems, penetration testing, vulnerability assessments, and account management. Network scanning, including both penetration testing and vulnerability as-sessments, are also included. Federal regulators require your bank’s net-work to be scanned, so learn the best practices when conducting these im-portant tests. Get a better understanding of network technology and the net-work security controls you can use to protect sensitive information from insiders and outsiders (and pass your next IT examination). This informa-tive session is directed to IT personnel, information security officers, IT committee members, and others who want to learn the basics of IT.

Highlights include: What are regulators looking for? What are the basics of network security? Patch management, firewalls, intrusion prevention systems Domain group policy Account management, penetration testing, vulnerability assessments Managed security services Auditing, monitoring and logging

New Regulations & Requirements for Overdraft Protection Presenter: Elizabeth Fast, Banker’s Choice (Web# 092109)

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: The Federal Reserve recently announced amendments to Reg DD that will become effective January 1, 2010. These amendments require proper disclosure of the aggregate dollar amounts charged for overdraft fees

and for returned item fees, for both the specific statement period and for year-to-date. New disclo-sure requirements and a sample form of the disclo-sures are included. The amendments to Reg DD also restrict institutions that provide account balance information through an automated system from in-cluding the availability of overdraft protection in the balance. Learn how your bank must change its

automated systems to adhere to these new restrictions.

In addition, the Federal Reserve announced proposed amendments to Reg E which provide additional restrictions on the assessment of overdraft fees. Understand these new amendments and the restrictions to be imposed on banks, with this important session directed to all deposit operations person-nel, compliance officers, legal officers, private banking officers, customer service representatives, tellers, and management.

Highlights include: How and when to properly disclose aggregate overdraft and returned

item fees Sample form of disclosures How and when to properly disclose account balance information Restrictions imposed on automated systems Permissibility of posting checks high to low Authority to setoff social security benefits to pay overdrafts

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(Continued on next page . . . )

Highlights include: Identifying Asset Quality Issues

Borrower’s current performance Project performance Paying capacity of guarantors Support provided by collateral

Use of appraisal: engagement letter and scope of work Appraisals in a distressed market

Assignment of Risk Grade & Impaired Loans Definition of an impaired loan GAAP application for past due loans Measuring impairment

Collateral dependent: which value should be used? Use of discounted cash flow value: cap rate and time period Observable market value

Estimating impairment in a group of loans

Required Compliance Training for Commercial Loans Secured by Real Estate (Web# 082709) Presenter: Susan Costonis, gettechnical, inc.

ONLY CD AVAILABLE Description: Don’t be fooled into thinking that commercial lending is ex-empt from the “alphabet soup” of regulations for consumer real estate se-cured lending. During a compliance exam, examiners review commercial files and often find serious and costly violations. Learn the regulations commercial lenders must follow and get an outline of the specific disclosure requirements. This session addresses everything from Regulation AA to Z and provides a framework of the applicable requirements. The course mate-rials provide an easy reference guide for the future training and include ex-amples of the critical disclosures. This program is designed for both new and experienced auditors, loan officers, loan assistants, and loan administra-tion staff.

Highlights include: Practical tips to avoid costly fines and real estate lending compliance

violations Portions of Regulation B (The Equal Credit Opportunity Act) that apply

to commercial applications, including the prohibition against discrimi-nation, appraisal rule requirements, signature rules, and adverse-action notice requirements

When are “commercial” real estate loans subject to Regulation C (Home Mortgage Disclosure Act) and what are the reporting and data collection requirements?

Payments Systems Update (Web# 080409) Presenter: Wendy Wishon, EPCOR

ONLY CD AVAILABLE Description: Don’t miss this important update on ACH and other payment systems’ rules and regulations. Learn about the 2009 and 2010 new ACH rules including IAT; compliance audit enhancements; authorization and returns; stop payments and Regulation E; and risk management and assess-ment. Current NACHA initiatives are covered, as well as updates on other payment systems’ regulations such as Regulations AA, Z, DD, E, and the Unlawful Internet Gambling Enforcement Act (Regulation GG). Identify areas affected by new ACH rules and regulatory changes, plus prepare for implementation with this session designed for bank staff working in ACH operations, risk management, and compliance.

Highlights include: Obtain up-to-date information on 2009 and 2010 ACH rule changes,

including NACHA initiatives and their impact on banks Understand IAT and required preparations for September 18, 2009, im-

plementation Learn about the changes to Regulations AA, Z, DD, and E and what

your bank must do to comply Identify the impact of the Unlawful Internet Gambling Enforcement Act

(Regulation GG) Regulators & Impaired Loans (Web# 090909) Presenter: Wayne Linder, Young & Associates, Inc.

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: Recognizing a loan that has become impaired and properly measuring the dollar amount of the impairment are critical in the eyes of the

financial regulators. This program addresses these issues and the sup-porting documentation regulators expect. Address regulatory issues regarding impaired loans and to es-tablish policies and procedures for identifying, classifying, and handling these loans with this session de-signed for senior management, board members, auditors, loan review per-sonnel, risk managers, loan officers, and credit analysts.


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Coverage rules for Regulation Z and how to properly document exclu-sions for a commercial real estate secured loan

Flood Disaster Protection Act requirements for commercial loans. Vio-lations can be very expensive!

Data collection for business loans under the Community Reinvestment Act (CRA) – the rules apply to a real estate secured business loan

Roth IRAs: Opening, Reporting, Compliance (Web# 092909) Presenter: Deborah Crawford, gettechnical, inc.

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 03/31/10 Description: The Roth IRA may be the best retirement product ever! Learn the key components that contribute to this remarkable product. This pro-gram covers moving designated Roth IRAs to your bank, as well as the new law which allows movement from a 401(k) plan directly to a Roth IRA. Discover the new conversion rule which will take place in 2010, plus get an in-depth look at Roths from start to finish, including opening, reporting, and compliance! This training is directed to CSRs, personal bankers, IRA ad-ministrators, branch managers, branch administration, trainers, and all who open or administer IRAs.

Highlights include: What is so great about a Roth IRA? Who is eligible for a Roth IRA? How do customers get tax free earnings? What if a customer needs the money before

the account is five years old? What happens when a Roth IRA owner dies? Can a Roth IRA be rolled over or transferred? How are Roth IRAs reported? What is a Roth conversion? What new conversion rules go into effect in 2010? How to move a 401(k) plan directly into a Roth IRA How to move a designated Roth in a retirement plan into a Roth IRA at

a bank Top 10 HSA Trouble Spots (Web# 081109) Presenter: Deborah Crawford, gettechnical, inc.

ONLY CD AVAILABLE Description: Your bank has been offering Health Savings Accounts (HSA) for some time now. Perhaps you are beginning to experience the issues and “hotspots” listed below as you administer these interesting and sometimes challenging products. Discover the ten most common issues with HSAs

and the challenges they bring. Learn the answers to many practical ques-tions. Can an employer get information on an employee’s HSA account? Can the HSA customer put their five children on as authorized signers? Can the authorized signers have debit cards? Train your front-line, HSA administrators, IRA administrators, CSRs, trainers, branch administration, branch managers, and those who sell or administer HSAs on these issues.

Highlights include: Hotspot #1 Contribution rules: sum of months versus full contribution rule Hotspot #2 Excess contributions and the bank’s responsibility Hotspot #3 FDIC Insurance rules with POD titling Hotspot#4 IRA to HSA transfers, transfers and rollovers from HSAs Hotspot#5 Debit cards, disclosures, overdrafts Hotspot #6 Authorized signers Hotspot #7 Mistaken distributions, qualified distributions Hotspot#8 IRS reporting Hotspot #9 Death distributions Hotspot #10 Employers’ versus employees’ rights and privacy issues What Bankers Need to Know About Repossessions Presenter: Elizabeth Fast, Bankers Choice (Web# 102709)

ON-DEMAND LINK WITH FREE CD AVAILABLE UNTIL 04/30/10 Description: No banker enjoys the subject of repossessions. However, re-possessions are necessary in certain situations. Making a mistake in the repossession process can result in losing the right to go against the debtor for a deficiency and can also cause substantial damages to the bank. This session explains all aspects of the repossession process, starting with the decision to foreclose on collateral and ending with selling collateral at a private or public sale. The proper steps a bank should take (and the pitfalls to avoid) are examined. This session focuses on the basics, but is also a good refresher for those who do not frequently deal with this issue. It is beneficial to loan officers at all levels, loan operations personnel, credit ad-ministration personnel, and others involved in the collection process.

Highlights include: Requirements of UCC Article 9 Right-to-cure notices Conducting self-help repossession Requirements for the notice of sale Aspects of a “commercially reasonable” sale How to obtain a deficiency judgment What if the debtor files bankruptcy?

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When a Deposit Customer Dies (Web# 081809) Presenter: Deborah Crawford, gettechnical, inc.

ONLY CD AVAILABLE Description: When your deposit customer dies, many issues and questions begin to develop. Who can have account information? Who owns the ac-count? Who has access to the account? What happens with powers of at-torney and authorized signers? Can the spouse of the sole proprietor con-tinue to access the account? What about that last tax refund check?

This program covers these questions and more. Tools are provided to assist in handling hard decisions and difficult questions. Having the knowledge to deal with these transactions at a stressful time for friends, family, benefici-aries, and business associates of the deceased enhances your professional-ism and facilitates the settlement process for those administering the estate. This training is beneficial for new account representatives, branch adminis-trators, branch managers, CSRs, and anyone handling customer accounts.

Highlights include: Probate versus non-probate transfers When does the will govern and when does the signature card? What by-passes a will? PODs, IRAs, JTWROS? Living trusts and successor trustees When do we know that a customer is deceased? When can we use Small Estate Affidavits? What happens to powers of attorney, authorized signers, etc? Do sole proprietorships cease at death?

CD Rom Training Catalog Volume 10-09

Ordering Instructions

1. COMPLETE THE DEMOGRAPHIC INFORMATION BELOW: Name: Financial Institution: Mailing Address: City: State: Zip Phone: Fax: E-mail: 2. PROVIDE THE PREFERRED PAYMENT METHOD (CHOOSE ONE): Mail order and check made payable to:

Louisiana Bankers Association 5555 Bankers Ave. Baton Rouge, LA 70808

Fax order form and credit card information to (225) 343-3159.

(If paying by credit card, this form will serve as your receipt. Charges will appear on your statement from Louisiana Bankers Association.) Circle card type: MasterCard VISA Card number: Total amount: $ Exp. Date: V-Code: Cardholder Signature:

For questions call (225) 387-3282 or e-mail [email protected].

3. MARK WHAT YOU WISH TO ORDER & ENTER TOTAL BELOW: $245 each

ONLY CD AVAILABLE Assessing Your Bank’s Insurance Coverage for Risk Exposure #082009 Call Report Loan Classification & Reporting: RC-C & Related Sch. #081909 Countdown to Reg Z & RESPA: Deadlines Begin 10/1/09 #081409 Determining “Mental Competence:” The Banker’s Perspective #080609 Head Teller Development: Managing Dual Controls & Cash Limits #081309 Most Critical Tech Trends Facing Community Banks in 2009-2010 #082509 Payments System Update #080409 Required Compl. Training for Commercial Loans Secured by R.E. #082709 Top 10 HSA Trouble Spots #081109 When a Deposit Customer Dies #081809

ON-DEMAND LINK WITH FREE CD Adverse Action Notification: What to Do & When to Do It! #091009 Advertising Compliance #090309 Analyzing Cash Flow in Commercial Lending #102209 Auditing ACH #100809 Collecting Past Due Loans: Preparation, Scripting & Follow-Up #092409 Director Series: Current Issues & Future Challenges #091709 Electronic Debits: Substitute Checks, ACH #102909 Endorsements: Authority & Liability #102009 Evaluating Liquidity & Interest Rate Risk on a Daily Basis #101409 Frontline Skillworks: Tax ID Numbers & Documentation #091509 Good Faith Estimates & HUD-l Settlements: Getting It Right! #101509 How to Ace a Remote Deposit Capture Exam #100609 Network Security 101 #092209 New Regulations & Requirements for Overdraft Protection #092109 Regulators & Impaired Loans #090909 Roth IRAs: Opening, Reporting, Compliance #092909 What Bankers Need to Know About Repossessions #102709 Total # of CDs _____ x $245 = $______ Amount due

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