wyoming bankers association february 2017 - … ira seminar october 11-12, ... difference between...

Wyoming Bankers Association February 2017

Upcoming Live Conferences/Seminars/Workshops/Convention

2017 Legal Issues of New Accounts Documentation – May 9, 2017 – Ramkota Hotel, Casper, WY* 2017 Ag Conference – May 17-18, 2017 – Riverton, WY (Location TBA)

2017 Quad States Convention (ND/SD/MT/WY) – June 4-6, 2017 – Rushmore Plaza Civic Center, Rapid City,

SD 2017 Credit Conference – September 28-29, 2017 – Laramie, WY (Location TBA)

2017 IRA Seminar – October 11-12, 2017 – Hilton Garden Inn, Casper, WY

Total Training Solutions Webinars

On Demand Webinars can be found on our website: http://www.wyomingbankers.com/?page=webinars

Compliance Perspectives: A Monthly Update – Monthly

Directors Education Series - Monthly Series Available

Escrow Rules – 2017 Review and Update – February 2, 2017 *Onboarding Your New Hire – February 2, 2017 *Basic Cash Flow Analysis – February 3, 2017 *Open-Ended Lines of Credit – Compliance Issues – February 6, 2017 *Successful Workout Strategies for Problem Loans – February 7, 2017 *Trump Administration – New Employment Compliance Priorities for 2017 – February 7, 2017 *FFIEC Information Security Handbook and Review – February 8, 2017 *Using Personal Tax Returns for Global Cashflow: What’s Cashflow and What Isn’t – February 8, 2017*

What is Covered by D&O Insurance – What is Not? – February 9, 2017 *Compliance Rules for Commercial Loans Secured by Real Estate – February 9, 2017 *Fair Lending Review and Update – February 10, 2017 *For Sales Managers: How to Hire Better Bankers Who Can Sell – February 13, 2017 *Smart Social Media – February 14, 2017 *It’s Time for a TRID Check Up – February 14, 2017 *Federal Benefit Payments Garnishment Requirements – February 15, 2017 *Real Estate Law for Bankers – February 15, 2017 *Call Report for Banks – Recent Changes, Highlights, and Pitfalls – February 16, 2017 *Excel Explained: Dealing with Duplicate Data – February 16, 2017 *Accounts Receivable and Inventory Financing – February 21, 2017 *New BSA Officer Training – February 22, 2017 *Servicemember Issues: The Military Lending Act & SCRA – February 22, 2017 *Business Account Mapping: New CDD Rules in a Multi-Tiered Business Environment – February 23, 2017*

Signature Card Danger Zones – February 23, 2017 *Ransomware and Cyber Extortion – February 24, 2017 *Overdraft Protection Programs – February 27, 2017 *Basic Personal and Business Tax Return Analysis – February 27, 2017 *

WBA PARTNERS WITH THE IBA TO OFFER ON-DEMAND WEBINARS

Annual Training On-Demand Webinar*

BSA for Directors On-Demand Webinar*

Certifications SBS Institute Certification Programs*

ABA Training AIB Diploma/Certificate Application*

Schools Schools of Banking – Nebraska & Kansas

Graduate School of Banking at the University of Wisconsin-Madison Schools* South Dakota Bankers Association 2017 National School for Beginning Ag Lenders – June 19-22, 2017*

*Brochure enclosed - Call Cheryl for more information at 307/638-5008 - Visit our Web site at www.wyomingbankers.com for the most current education brochure.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.

http://www.wyomingbankers.com/?page=webinars

Wyoming Bankers Association Presents…….

NEW ACCOUNT DOCUMENTATION SEMINAR MANAGING RISK WHEN OPENING NEW ACCOUNTS

UNDERSTANDING THE DOCUMENTATION AND COMPLIANCE REQUIREMENTS Tuesday, May 9th, 2017 – Ramkota Hotel - Casper

Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Seminar Description Managing risk is the #1 priority for all financial institutions and it all starts at the new account desk. Well-trained bankers whorecognize and stop attempted dishonest activity are the first line of defense in protecting a financial institution from fraudsters.Unfortunately, too often, new account personnel are trained "on the job" which can result in an environment of potential vulnerabilityand unnecessary losses. Additionally, with constant new regulations, the need for ongoing training is paramount in order to maintaindiligence as well as update processes and procedures.

This full day workshop teaches vital account opening procedures, regulatory and compliance requirements while focusing on essentialinformation needed for every new account. This includes proper identification and the correct TIN as well as the fundamentalquestions that should be answered by every potential accountholder: What is the purpose of the account? Who owns the funds? Whowill have access to the funds during lifetime and at death? Who can legally represent a business entity? Who has access on abusiness account if a signer passes away? The seminar manual is customized to your state law and has become known as the"technical reference handbook" for new account departments across the country.

What You Will Learn ♦ Understanding Signature Card Contracts and the Potential Impact on a Customer’s Estate Plan♦ TIN Compliance –Thorough Discussion of SSN vs. EIN and W-9 vs. W-8BEN♦ Opening Individual Accounts; Adding Authorized/Convenience Signers or Agents♦ Joint Accounts With Rights of Survivorship and Tenants-In-Common Without Rights of Survivorship♦ Power of Attorneys – Using an In-House Form vs. Accepting an Out-of-House Form♦ Proper Business Account Documentation and Resolutions

o Sole Proprietorships, General and Limited Partnerships, Corporations, LLC and LLP Entitieso Non-Profit Associations and Charitable Organizations

♦ Formal Trust Accounts - Difference Between Revocable and Irrevocable Trusts; Opening Living Trusts♦ Informal Trust Accounts - Pros and Cons of POD and Revocable Trustee Accounts♦ Opening Accounts For Minors – Joint Accounts vs. Uniform Transfer To Minors Act Accounts♦ Estate and Court Ordered Accounts: Handling Deceased Accountholders, Guardianships and Conservatorships♦ Addressing access and ownership at the death of a singer - both on personal and business accounts.

Who Should Attend All customer contact personnel, supervisors and officers whose responsibilities include opening or managing new accounts andcertificates of deposit. Excellent for supervisors or officers who have recently assumed the responsibility of the new account area butperhaps have never worked in new accounts. Internal Auditors and Compliance Officers will find the information exceptionallybeneficial.

YOU ARE ENCOURAGED TO BRING A COPY OF YOUR INSTITUTION’S SIGNATURE CARDS AND ACCOUNT AGREEMENT TO THE WORKSHOP

Seminar Instructors The seminar instructors, Suzie Jones and Susan Fonteno, are associate trainers for Sunwest Training Corp. and Patrice Konarik whohas been providing quality New Account Documentation training for the bank association for almost 20 years.

Suzette (Suzie) Jones, CFP® is Managing Director of Training Resources Consulting, L.L.C. located in Houston, Texas. Suzie served

as manager and Executive Vice President of Amegy Bank’s Investment Division, an $11B financial organization and a subsidiary ofZions Bancorporation. She was an active member of the AML, BSA, Personal/Corporate Risk and Non-Bank Product Risk Committees.With over 40 years of experience in the financial industry, Suzie has focused her technical expertise on new accounts risk management,IRAs, qualified retirement accounts and investment management. Suzie brings technical information to life with her engaging trainingstyle, true life examples, and in-depth knowledge. She attended the University of Houston and holds the Certified Financial PlannerTM(CFP®) professional designation.

Susan Fonteno, CFP®, CTFA, ChFC, CASL is Managing Director of Sunstone Financial Consulting, L.L.C located in Houston, Texas.

During her 30 years of financial experience, most recently Susan served as a Senior Vice President and Senior Trust Officer for AmegyBank’s Trust Department where she worked directly with clients in the areas of trust administration and investment management. Susanbrings valuable knowledge on more complicated accounts such as fiduciary, trust, estate, conservatorship, and guardianship. Her real-life examples help to reduce the anxiety created and answer the most commonly asked questions when faced with opening these lessfrequented accounts. She holds the following professional credentials: Certified Financial PlannerTM (CFP®); Certified Trust andFinancial Advisor (CTFA); Chartered Financial Consultant (ChFC); Chartered Advisor for Senior Living (CASL). Susan graduated fromTexas A&M University with a Bachelor of Arts in Economics.

Wyoming Bankers Association Presents…….

NEW ACCOUNT DOCUMENTATION SEMINAR MANAGING RISK WHEN OPENING NEW ACCOUNTS

UNDERSTANDING THE DOCUMENTATION AND COMPLIANCE REQUIREMENTS

Tuesday, May 9th, 2017 – Ramkota Hotel - Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Registration Form 1st Registrant: List registrant and title:___________________________________________________________

Bank/Firm Name_____________________________________Phone______________________

Address (PO Box)_______________________________________FAX____________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________ **************************** Additional Registrant (copy this form for additional registrations)

List registrant and title:___________________________________________________________

Address (PO Box)_______________________________________ Phone______________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

REGISTRATION FEE: Member Rate: $220 per registrant Non Member Rate: $440 per registrant

PAYMENT OPTIONS: Payment by Check: mail in Send Invoice: fax registration to 307/638-5013 Send Invoice: Email registration to [email protected] Online registration: www.wyomingbankers.com

OVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees. A block of rooms has been reserved for May 8 at the Ramkota Hotel Casper @ 800 N. Poplar Street, Casper, 307/266-6000. Be sure to ask for the room rate of $79.99 under the Wyoming Bankers Assoc. Room Block. Room block expires APRIL 25, 2017. CANCELLATION POLICY: No refunds will be made after APRIL 25, 2017~~all cancellations prior to 4/25 are subject to a $25 cancellation charge and an additional $25 cancellation fee applies to all credit card registrations. Substitutions may be made at any time. REGISTRATION DEADLINE – APRIL 25, 2017. MAIL THIS FORM AND CHECK TO: Wyoming Bankers Association, P.O. Box 2190, Cheyenne, WY 82003 307/638-5008 FAX 307/638-5013

Escrow Rules - 2017 Review and Update

Thursday, February 2, 2017 9:00 AM–11:00 AM Mountain Time

WYOMING BANKERS ASSOCIATION

Program Content:

WHAT? The Real Estate Settlement Procedures Act (Regulation X) has contained rules for administering escrow accounts for many years. The Truth in Lending Act (Regulation Z) requires escrow accounts in

connection with higher-priced mortgage loans. The interagency flood regulations were amended effective October 1, 2015 to add revised escrow rules.

This webinar covers all of the escrow rules, including the long standing

and the recently revised requirements of the flood regulations, Regulation X and Regulation Z.

WHY? This program provides comprehensive coverage of the flood

regulations, Regulation X and Regulation Z escrow rules. We explain, step-by-step, how to establish, maintain, and cancel escrow accounts under the amended requirements. Suggestions for avoiding violations

and penalties are provided.

Program participants receive a detailed manual that provides a thorough explanation of all the escrow rules. Both the program and the program materials are updated for the Dodd-Frank revisions to the

regulations.

Covered Topics:

Which loans are required by Regulation Z and the flood

regulations to have escrow accounts, and which are exempt?

The limitations on the amount of the required escrow

payments at origination and over the life of the loan

How to conduct an escrow analysis

How to determine an escrow account computation year

The calculation of the amount of the allowed cushion

The rules for preparing the initial escrow account disclosure statement

The TRID rules regarding the escrow notices required in the Closing Disclosure

The expanded Flood Hazard Notice for Escrow information

The flood insurance option to escrow notice

How to prepare the annual escrow account statement

How to resolve a surplus, a deficiency or a shortage

Revised Regulation X rules for timely escrow payments and

treatment of escrow balances

Regulation Z rules regarding escrow cancellation notices

The recordkeeping rules for escrow accounts

The penalties for the failure to submit an initial or annual

escrow account statement

Who Should Attend: The program is designed for compliance officers, operations personnel, mortgage loan officers, loan originators and others involved

in opening and maintaining escrow accounts for mortgage loans.

Presenters: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In 34

years as a trainer over 125,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and

education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also developed and presented training programs to bankers in 43 states.

Jack has been an instructor at compliance schools presented by a number of state bankers associations. As a contractor he developed and delivered compliance training for the FDIC for ten years. He is a

Certified Regulatory Compliance Manager and a member of the National Speakers Association.

Kelly M. Owsley, CRCM is Director of Training Services for Compliance Resource, LLC. Kelly’s career in banking began in 2000.

Since then she has worked for financial institutions ranging in asset size from $250 million to $3 billion. Kelly has worked in numerous

areas of the financial services industry including retail branch

management, lending, product development and training. In addition, Kelly spent three years in a training and development role with CUNA Mutual Group servicing the largest credit union in the United States.

Most recently, she served as the Vice President of Compliance, BSA Officer, and CRA Officer for a community bank in Kentucky where she was responsible for implementing and training all compliance related

topics. Kelly holds a Bachelor of Science degree in Accounting from the University of Kentucky and is a Certified Regulatory Compliance Manager.

Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand 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 materials will be delivered to you.

Please check one of the following:

“Live” Web connection $265

Additional connection for a branch $75

6-month “OnDemand” website link only $295

CD-ROM and materials only $345

Live plus OnDemand website link $365

Entire Package: Live, OnDemand link, and CD-ROM plus $395

materials

Ways to Register: ONLINE: www.bankwebinars.com

FAX: (800) 831-3776 PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597

Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:

Please invoice our bank

Check made payable to TTS

Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________

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

Onboarding Your New Hire Thursday, February 2, 2017

12:30 PM–2:30 PM Mountain Time


Program Content: For Banks That Are Serious About Taking Onboarding Up a Notch This dynamic program will help raise the bar when it comes to engaging and training new employees from the start. How do you check all the required boxes while still maintaining the interest of your new hire? Wow them with a genuine interest and care in their success with your organization. Learn how to excel at new employee onboarding. Covered Topics:

How to set the tone for success?

The Four C's of onboarding: Compliance, Clarification, Culture and Connection

Using the first two weeks of employment as a launching board

Create an engaged employee from the start.

Best practices to wow the new hire

What is employee engagement?

How do I train a new hire effectively?

Provide coaching and support Who Should Attend: All call center managers, teller supervisors, HR, executive managers and branch managers Presenter: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her banking background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank. Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality has left her lasting mark on InterAction Training, the firm she founded in 1983. As a graduate of the School of Bank Marketing from the University of Colorado, she realizes the value of quality education. Honey invests time as a faculty member for banking schools around the country. She is a repeat presenter for most of the state banking associations. Honey continues in her own personal pursuit of excellence and is a member of the American Society of Training and Development (ASTD). Currently she is pursuing a self study program on Six Sigma. She has obtained certification in Reality Therapy from the William Glasser Institute as well as certification from the Training and Development Program at Texas A & M.

Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials

Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776

PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Basic Cash Flow Analysis Friday, February 3, 2017

9:00 AM–11:00 AM Mountain Time


Program Content: Determining an entity's ability to generate cash flow is essential whenever repayment of a loan will extend beyond one year. Cash flow analysis measures an entity's ability to generate sufficient cash to operate successfully and have excess cash to service annual debt payment requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institutions.

Learn how to calculate cash flow using the Universal Cash Flow Analysis method (UCA), which determines the flow of cash into and out of a business entity. First, we'll define cash flow and identify potential sources and uses of cash. Next we'll illustrate how cash flow analysis is actually the process of converting an Accrual Basis financial statement into a Cash Basis financial statement.

We'll cover the Rules of Cash Flow when determining cash flow generation from changes in asset, liability and capital accounts on balance sheets over time. We'll culminate by using a full UCA from beginning to end.

Covered Topics:

Comparison of Traditional Cash Flow Method (Net Income + Depreciation + Interest divided by Annual Debt Service) to the UCA model

Rules of Cash Flow

Accrual Basis versus Cash Basis of preparing financial statements, and how cash flow analysis links the two

How each amount on a Universal Cash Analysis is calculated and the meaning of each

A Fast Cash Analysis method that can achieve the same results in less time than the UCA method

Leave with a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning.

Who Should Attend: Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analyst, Loan Review Personnel, and Consumer Loan Officers

Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta. Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations. Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course

entitled "Lending to Service and Other Professional Organizations" for RMA in 2001. Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an

OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials

Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776 PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597


Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Open-Ended Lines of Credit - Compliance Issues Monday, February 6, 2017



Program Content: Complying with the open-ended provisions of Regulation Z is a complicated issue. There are many intricate requirements to follow, from disclosures, servicing, and advertising. Plus, there are differing requirements depending on whether the plan is a home equity line of credit (HELOC), credit card plan, or personal or overdraft line. This webinar will focus on the personal/overdraft lines and HELOC requirements. We will discuss how to ensure all the Reg. Z rules are followed, especially around disclosures. We'll also touch on some of the other rules that impact HELOCs, such as appraisal rules and the coming HMDA requirements. Covered Topics:

Determining basic coverage of lines of credit under Reg. Z and other consumer protection rules

Changes in terms - "significant changes"

Treatment of credit balances

Disclosing variable rate plans

HELOC special provisions, including right of rescission

Advertising open-ended credit plans, including marketing to college students

Servicing - periodic statements

Real estate laws and regs for HELOCs

Fair lending implications (there are some!)

And much more Who Should Attend: Anyone in the institution having responsibilities in offering, underwriting or servicing consumer-purpose open-ended credit plans, including loan officers, processors, clerks, closing agents, and so forth. Also compliance officers and counsel will benefit from the information provided in this webinar. Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and

has conducted training sessions for financial institutions across the country. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Successful Workout Strategies for Problem Loans Tuesday, February 7, 2017



Program Content: This seminar is designed to provide the participant with a disciplined strategy for approaching the loan when it reaches the workout situation. We'll begin with a look at some early warning signs of an impending problem and then provide a step-by-step approach including what to do first, pitfalls to avoid, resources to apply, and various options faced by the lender or workout officer to develop and implement a successful workout strategy. Covered Topics:

Recognizing key warning signs of pressure and the need to take action

Early awareness and responses by management and lenders which contribute to a company’s success or failure.

Problem Loan Resolution Options: Outplace, Workout, Liquidate

Factors involved in analyzing the course of action

Characteristics of a good workout program

Steps to implement a workout program

Tips for managing workout expenses

Identification of the legal risks in the workout process

Who Should Attend: Junior to mid-level commercial lenders, small business lenders, credit analysts, loan review specialists, junior to mid-level special assets officers, and credit policy officers Presenter: Linda Larger has successfully coached and trained hundreds of bankers to be their best in credit risk analysis and sales execution. With a long career in banking she has experience as both a banker and training professional having worked as a Vice President in Business Development for Commercial and Consumer Lending, Special Assets and Training. Her training work has been featured in publications of the Association for Financial Professionals, Business Banking Board, and as a program presenter for the Graduate School of Banking at the University of Wisconsin-Madison. She is the owner of Banker Education Solutions & Training LLC (BEST) where she works with a variety of banks and state banking associations in a consulting role on training needs identification, and training program delivery and evaluation. Her favorite audiences are Lenders, Special Assets and Credit Administration associates. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand 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 materials

will be delivered to you.








materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Trump Administration – New Employment Compliance

Priorities for 2017 Tuesday, February 7, 2017



Program Content: During the past three years, community banks have received new federal directives involving overtime compensation, diversity, pay equity, federal reporting, and more. With the election of Donald Trump and Republican majorities in Congress, a dramatic change in employment compliance obligations may occur. The Trump transition team has signaled changes for 2017, including measures that may be taken by federal agencies and Congress to eliminate some regulatory requirements. This webinar will address employment compliance priorities for community banks for 2017. Learn about recently enacted obligations that may be removed, the basis for this view, and the likely timing of that activity. This presentation will also examine regulations anticipated to continue, along with the supporting rationale. With many new standards at different stages of implementation, community banks must focus on what is current and what is no longer current. Covered Topics:

Overtime Exemption Regulations effectiveness and response

Satisfaction of Diversity Policy Statement

Implementation of revised EEO-1 Report

Continued viability of “pay transparency” Executive Order obligations

Continued viability of Executive Order involving sexual orientation and gender identity

Pay Equity compliance expectations Who Should Attend: Human Resource managers and Compliance officers Presenter: Steve Greene specializes in employment litigation, employee benefit issues and compensation matters. He regularly speaks to employment lawyers and human resources professionals in the banking industry. During the past 30 years, Steve has assisted financial institutions nationally. He has also managed federal and state regulatory investigations and litigation across the country. His work has also included working with industry associations to influence the DOL and members of Congress. He received his J.D. from Southern Methodist University and his B.A. from the University of Maine.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


FFIEC Information Security Handbook Review

Wednesday, February 8, 2017 9:00 AM–11:00 AM Mountain Time


Program Content: The FFEIC has completely re-written and significantly changed the Information Security Handbook. The Handbook represents an integration of concepts from Cybersecurity Guidance, Management Guidance, and other elements released in the past 10 years. The FFIEC Information Security Handbook is the most comprehensive resource from the FFIEC on constructing an adequate Information Security Program. Information Security Programs are created based on risk assessment processes that assist in The Handbook focuses on the governance, culture and responsibilities to make Information Security Programs successful. The creation of these programs is based on risk assessment processes that assist the institution in making control decisions; these decisions are then documented in policies, standards, and procedures. The last component of a successful program is to ensure the controls are effectively implemented with assurance, testing, and auditing processes. Covered Topics:

Governance of the Information Security Program

Information Security Program Management

Security Operations

Information Security Program Effectiveness Who Should Attend: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking to understand the new FFIEC requirements and expectations. Presenter: Jon Waldman is a co-founder and Senior Information Security Consultant for Secure Banking Solutions, a premier cybersecurity consulting and audit firm dedicated to making a positive impact on the banking and financial services industry. He maintains his CISA and CRISC certifications and received his Bachelor of Science in Computer Information Systems and his Master of Science in Information Assurance with an emphasis in Banking and Finance Security from Dakota State University. Over the last ten years Jon has helped hundreds of financial institutions across the country create and implement comprehensive, valuable, and manageable Information Security Programs. He also conducts webinars and certification programs for the SBS Institute.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Using Personal Tax Returns for Global Cashflow:

What's Cashflow and What Isn't Wednesday, February 8, 2017



Program Content: Understanding and quantifying global cash flow is becoming more of a necessity for financial institutions that lend money to businesses. Understanding and analyzing information in personal income tax returns is an important aspect of recognizing the financial condition of loan guarantors. To accurately calculate global cash flow, a lender needs to know how to take information in personal tax returns and apply it correctly. Lenders will learn how to interpret information in personal tax returns to determine the ability of customers who guarantee loans to add strength to loan requests. We'll work with individual federal tax return forms and schedules to help identify the places in tax returns that address cash flow, as well as those places that don't. Learn what forms and schedules in personal tax returns you should pay attention to and what you should ignore. Covered Topics:

Understanding those sections of the tax return that are important for determining a borrower's ability to generate cash flow

Identifying cash inflows and outflows from tax returns

The relevance of information in various tax schedules

The difference between cash flow and taxable income

Understanding how personal cash flow is generated from owning small businesses, sole proprietorships, partnerships, corporations and limited liability companies

Who Should Attend: Credit Analysts, Loan Officers, Branch Managers, Loan Committee members I've attended many of Vin's seminars over my last 20 years in lending and always find him to provide new perspective on an old way of looking at credit. Any opportunity I get to sign-up, I will. -- Tina V, First Dakota National Bank Presenter: Vincent DiCara is currently the owner of DiCara Training and Consulting LLC which he established in January of 2013. Formerly, he was the co-owner and founder of Development Finance Training and Consulting, Inc. (DFTC) which he established in 2003. Mr. DiCara has been involved in evaluating the credit needs of businesses for thirty years as a business advocate, lender, credit analyst and trainer. Since 1995, Mr. DiCara has developed and conducted a wide variety of training programs for individuals who work in the financial services industry sector. His training clients include organizations in the credit union, banking, economic development, and community development fields. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.

Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. A native of Boston, Massachusetts, he has been a resident of the State of Maine for the last thirty-eight years. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


What is Covered by D&O Insurance – What is Not?



Program Content: Bank management should have concerns over what protection is provided by their Directors and Officers Liability insurance policies. Board members and executives are typically dependent on their insurance agent or underwriter to provide the details of the insurance coverage. However, some insurance agents may not be aware of all of the terms, conditions and coverage available for their client bank. This session not only addresses the coverage provided by these unique insurance policies, but it also covers the enhancements that some insurers are willing to provide - if the institution’s insurance agent knows to ask for them. Compounding this hurdle, underwriters may not volunteer the full extent of enhancements that their company could provide. Covered Topics:

Basic coverage description provided by the Directors and Officers Liability policies.

Discussion of the effects on coverage from the policy definitions and exclusions.

Details of the Terms and Conditions of these polices and what impact they have on the coverage provided.

The importance of the protection of the officers and directors personal assets.

Non-profit board membership.

Extended coverage for Spouses, Domestic Partners, Estates and Legal Representatives.

The potential disastrous effects of a "Failure to Maintain Insurance Exclusion".

The impact of a "Hammer Clause".

What are the implications of the "Allocation" condition in the typical policy.

The value of an excess "Broad Form Side A Directors and Officers Liability Policy".

Who Should Attend: Board Members, President, Chief Executive Officer, Chief Financial Officer, Employed Legal Counsel, Risk Management Officer, and Head of the Risk Management Committee Presenter: Mike Hogan has taught seminars for insurance agents and bank management on this subject for 25 years through various bank and insurance associations. He outlines the details of the coverage and enhancements available as well as the limits of liability that banks of similar size purchase. Attendees will find the webinar useful in understanding the nuances of coverage they can request. Mike provides detailed handouts prior to the webinar so the attendees can take notes for future reference after the webinar presentation. Questions are welcomed and will be promptly answered.



Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Compliance Rules for Commercial Loans

Secured by Real Estate Thursday, February 9, 2017



Program Content: Which regulations apply to commercial loans that are secured by real estate? Are there any exceptions when the real estate is

taken as "an abundance of caution"? Do the commercial lenders and support staff at your bank understand the data collection required for HMDA reportable applications? Is a written application required for a business purpose loan?

Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain the requirements of applicable regulations in terms that are easy to understand.

Covered Topics:

What factors determine if the application is for business purpose or consumer purpose?

What are the compliance requirements when real estate is taken as collateral?

Review of the required disclosure for the "Right to Receive a Copy of Appraisal." Who gets the notice and what are the timing rules? This DOES apply to 1st lien loans of 1-4 units, regardless of purpose; there is no "business-purpose"

exception.

What are some common compliance violations in the commercial loan area when real estate has been taken as collateral?

Overview of HMDA requirements and preview of the changes to business purpose loans when the new HMDA rules

become effective January 1, 2018.

Flood insurance violations can be costly. What are some of the unique challenges with commercial buildings and

collateral?

There are four "trip wire" events for flood insurance. Learn about the new rules for "detached structure on residential property".

BONUS TOOLS

o Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real estate secured loans.

o Checklists that outline which compliance regulations apply to commercial credit and the exemptions for certain rules.

o Step by Step HMDA controls for 2017 reporting activity

o Flood insurance resources o Collateral checklist

o Fair Lending Policy - Business purpose loans ARE covered by anti-discrimination protections of the Equal Credit Opportunity Act.

Who Should Attend:

This interactive session is a cost-effective way to gain a greater understanding of the rules about processing applications, and complying with regulations triggered by commercial loans secured by real estate. There will be no travel costs, no time lost from work, and no one will be required to leave the institution.

This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers.

Presenter:

Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training and began her career in 1978. Susan has successfully managed compliance programs and exams for

institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve.

Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to

financial institution audiences in several states and "translates" complex regulations into simple concepts by using humor and real life examples.

Cancellation Policy:

Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.

If you are unable to attend the webinar but would like to have this

information for training purposes, you may also purchase an OnDemand 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 materials will be delivered to you.








materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


Fair Lending Review and Update Friday, February 10, 2017



Program Content:

WHAT Fair Lending never seems to fall out of fashion. While the rest of the industry focuses on TRID, Flood Insurance and HMDA, the regulatory

agencies, the Department of Justice and plaintiff attorneys are focused intently on the issue of fair lending.

Large penalties and burdensome enforcement actions are the order of

the day. In a recent speech, CFPB Director Richard Cordray confirmed that consent orders accompanying the Bureau’s public enforcement actions provide detailed guidance for compliance officers across the

marketplace about how they should regard similar practices at their own institutions. He added “it would be ‘compliance malpractice’ for executives not to take careful bearings from the contents of these

orders about how to comply with the law and treat consumers fairly.”

Charges of discrimination can come from any direction and can be obvious, subtle or unintended. Risk comes in the form of penalties, regulatory enforcement actions, civil liability, or damage to a bank's

reputation, to mention a few. The best defense to these threats and risks is developing and maintaining a sound fair lending compliance management system.

WHY

This information-packed webinar explains recent fair lending problems, corrective action required by the agencies, penalties imposed on the bank, and steps your institution can take to avoid similar problems.

Pending developments that will have a significant impact on Fair Lending are explored. We'll also provide a quick refresher on the basic concepts of fair lending and fair lending risk management.

Covered Topics:

Basic fair lending concepts o Laws and regulations

o Bases of discrimination o Types of discrimination

Recent Developments

o Regulation by enforcement – review of consent orders BancorpSouth Bank case

Maternity cases o HUD Guidance on Limited English Proficiency o Fair Lending actions entered into by municipalities

Pending Developments o Expansion of Regulation B to include data collection on

loans to minority-owned businesses, women-owned

businesses, and small businesses o How the new HMDA rule will impact fair lending

Who Should Attend: Compliance officers, auditors, lending department management, loan

operations personnel, loan officers, loan originators and others involved in originating or servicing loans of all types

Presenters:

Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In 34 years as a trainer over 125,000 bankers (and many examiners) have

participated in Jack’s live seminars and webinars.

Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he developed loan and deposit form systems and

software. He also developed and presented training programs to bankers in 43 states.

Jack has been an instructor at compliance schools presented by a number of state bankers associations. As a contractor he developed

and delivered compliance training for the FDIC for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association.

Kelly M. Owsley, CRCM is Director of Training Services for Compliance Resource, LLC. Kelly’s career in banking began in 2000. Since then she has worked for financial institutions ranging in asset

size from $250 million to $3 billion.

Kelly has worked in numerous areas of the financial services industry including retail branch management, lending, product development and training. In addition, Kelly spent three years in a training and

development role with CUNA Mutual Group servicing the largest credit union in the United States. Most recently, she served as the Vice President of Compliance, BSA Officer, and CRA Officer for a

community bank in Kentucky where she was responsible for implementing and training all compliance related topics.

Kelly holds a Bachelor of Science degree in Accounting from the University of Kentucky and is a Certified Regulatory Compliance

Manager.

Cancellation Policy: Refunds will be given only for cancellations received in written form 3

business days 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 information online of the seminar at

no additional charge.


Name: ___________________________________________

Bank: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


For Sales Managers: How to Hire Better Bankers

Who Can Sell Monday, February 13, 2017

11:00 AM–12:00 PM Mountain Time


Program Content: The single biggest problem most financial institutions face is finding bankers who are also successful sales people. The old days of hiring based on technical expertise are gone. This 60-minute webinar, targeted for financial sales executives and managers, will introduce a proven process for searching, interviewing, hiring and on-boarding bankers and other financial sales people. We will show you a process you can adopt immediately with hiring tools that will take the guesswork out of hiring bankers who are also salespeople, who can and will sell successfully at your bank. Covered Topics:

The difference between salespeople who might sell vs. those who will sell

How to spot a sales rainmaker within the first 10 minutes of the interview

Whether your current salespeople have what it takes to grow your company

A 3-step process to ensure that you find, interview and hire your next Superstar

Who Should Attend: Sales managers in all lines of business and trainers. Presenter: Alex Cole is the Director of Recruiting with Anthony Cole Training Group. After graduating from the University of Dayton with a double major in Marketing and Sales, Alex went to work for the largest recruiting company in the country, honing and developing her network and recruiting skills. In January of 2016, Alex joined the ACTG team to cultivate and advance their specialty division - Hire Better Salespeople. She helps financial companies recruit, assess and develop the right salesperson for their team. Not everyone is cut out for the sales life and that's where Alex comes in - to help banks find those that can and WILL sell. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials

Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776 PHONE: (800) 831-0678

MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Smart Social Media Tuesday, February 14, 2017



Program Content: "One simple post can destroy years of building trust and goodwill!" The increased use of social media presents challenges for financial institutions. Chief among them:

1. To have a social media presence that conveys the proper branding to the public.

2. To have in place for employees appropriate guidelines that are legal and protect the company from potential disaster.

We'll review social media channels and trends, give specific suggestions for updating and content, and touch on how to set internal guidelines for staff. We'll also review how to handle negative press and information. Covered Topics:

Social Media Streams

Choosing the Best Streams

Update Suggestions

Internal Guidelines

Legal Concerns

How to Handle Catastrophes Who Should Attend: HR and PR staff, as well as managers of all levels. Presenter: The webinar leader is J.T. Turner, who has over 28 years of experience in the lending industry. He has worked as a trainer for the past 22 years, in areas of lending, underwriting, origination, quality control, and personal growth. He is a seminar leader for the Center for Financial Training, a member of the Franklin Speakers Bureau, and past member of the National Speakers 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 in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


It’s Time for a TRID Check Up Tuesday, February 14, 2017



Program Content: It’s been about a year and a half since the TILA RESPA Integrated Disclosures went into effect. Do you still have questions? Do you feel like you’re in need of a TRID check up? Well, you are in luck! We’ve put together a comprehensive two-hour TRID check-up webinar, which will translate, in plain English, requirements, interpretations, latest guidance and best practices. Covered Topics:

The Latest CFPB Updates

Application Dates (TRID vs. ECOA vs. HMDA)

The Broader Coverage Effects of TRID

Shopping (the List & Loan Estimate vs. Closing Disclosure)

TRID Purpose Confusion

Construction Loans

Owner’s and Lender’s Title Insurance in Plain English

Calculating Cash to Close

Changed Circumstances (Shopping, 10% & the Black Hole)

The “Good Faith” Standard

Tolerance Cures

And Much, Much More! Who Should Attend: Consumer real estate loan officers, loan processors, and compliance and audit personnel Presenter: A Certified Regulatory Compliance Manager (CRCM), Jerod Moyer's experience includes over 15 years in the regulatory compliance field. He has held compliance positions with an $800 million community bank and an $840 million five-bank holding company. Jerod's passion for and experience in the compliance profession allow him to take complex regulatory requirements and provide realistic solutions. Jerod is the leader of Banker's Compliance Consulting's seminar and training productions. An accomplished teacher, he conducts compliance seminars for Banker's Compliance Consulting. Jerod has also been a speaker for the American Bankers Association, many state banking associations and schools, and various webinars. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Federal Benefit Payments Garnishment Requirements

Wednesday, February 15, 2017 9:00 AM–11:00 AM Mountain Time


Program Content: On May 29, 2013, the U.S. Department of Treasury, along with several federal agencies, including the Social Security Administration, the Department of Veterans Affairs, the Railroad Retirement Board, and the Office of Personnel Management, published the Final Rule on the Garnishment of Accounts Containing Federal Benefit Payments. The final rule not only supersedes state laws pertaining to how financial institutions process garnishments, but will also apply to state tax levies and warrants. Covered Topics:

A general review of the requirements for processing garnishments and state tax levies under the final rule

The special terminology that applies

The detailed steps financial institutions need to take when processing garnishment and levy requests

Examples of how the rules impact garnishment and levy answers, and hold amounts

Model language and sample forms that can be used when providing notice pursuant to the rules

Who Should Attend: Compliance officers, legal counsel and financial institution personnel who process garnishment answers Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988. Presently, she serves as an adjunct instructor at Washburn University School of Law and the University of Kansas School of Law and is a frequent seminar presenter for financial associations. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Real Estate Law for Bankers Wednesday, February 15, 2017



Program Content: Learn basic real property law concepts encountered frequently by bankers. Bankers will become familiar with concepts you'll encounter when making loans secured by real estate or when making loans to tenants in real property. The course will assist lenders when structuring loans and also when communicating with bank counsel. Covered Topics:

Basic Principles of Real Estate Law o Property ownership rights o Methods of owning real property and the

consequences of each

Legal Descriptions and Surveys o Metes and bounds descriptions o Platted property o Reading and understanding surveys

Real Estate Finance o Mortgages, security agreements and other

collateral instruments o Liens and lien priorities o Mortgagee title insurance o Collateral assignments of notes and

mortgages

Leases o Rights of tenants o Tenants rights versus rights of a mortgagee

Deeds in lieu of foreclosure Who Should Attend: Lenders, special assets officers, residential and commercial underwriters, personal bankers, and relationship managers Presenter: Douglas Waldorf is a shareholder with Rogers Towers, P.A. and manages the firm's offices in Southwest Florida. He is a member of Rogers Towers' Banking and Financial Services Practice Group and its Real Estate Department. A Florida Bar Board Certified Real Estate Attorney, Mr. Waldorf's practice focuses on serving banking industry clients in all aspects of commercial and residential financing transactions as well as in mortgage foreclosures, deeds in lieu of foreclosure, forbearance agreements and other matters related to defaulted loan workouts and collection. He has more than 25 years' experience in representing lenders including nearly 12 years as in house counsel for SunTrust Bank in Southwest Florida. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Call Report for Banks – Recent Changes, Highlights, and Pitfalls



Program Content:

In July, 2016, the Agencies finalized the proposed changes to the September, 2016 and December, 2017 Call Reports. The revisions include burden-reducing changes, as well as revised items, and a couple of instructional changes.

In August, 2016, the Agencies also announced additional proposed revisions to the March, 2017 call report. For banks with

less than $1 billion in assets, a new 051 form is proposed, which would reduce the number of pages in the call report from 85 to 60, and would eliminate 40% of the existing line items.

The frequency of data collection is also proposed for some of the schedules. More changes are anticipated with an anticipated implementation date of March, 2018.

Basel III risk-based capital changes became effective with the first call report filing in 2015. The line items related to the Capital Conservation Buffer were required for the first time in March, 2016.

We'll review clarifications on the risk reporting of loan categories, unused commitments, and interest rate locks. Covered Topics:

2016/2017 Approved Revisions:

Elimination of items on certain restructured loans, certain assets covered by loss sharing agreements

Increases in reporting thresholds on RI-E, RC-D, RC-F, RC-G, RC-Q

Adding contact information for CEO

Adding additional preprinted captions in RC-F and RI-E

Increasing deposit size threshold used to report certain

deposit information from $100,000 to $250,000 in RC-E, RI, and RC-K (March, 2017)

Revision of statements used to describe audit work on RC

RI 11, extraordinary items

Instruction update on reporting of net gains/losses and OTTI on equity securities that do not have readily determinable fair values

Elimination of certain items on Other than temporary impairment

March, 2017 Proposed Revisions:

New forms for banks with assets of less than $1 billion

Addition of a Supplemental Schedule

Elimination of several schedules

Changes to the Frequency of Data Collection on several schedules

Who Should Attend:

This update will benefit more experienced Call Report preparers, reviewers, and auditors. It will supplement annual comprehensive Call Report training recommended by bank regulators. Presenter:

Ann Thomas has thirty years of experience in bank accounting and control. She received a BA in Accounting from the University of Houston in 1982. From 1982 through 1997 she worked with Judith Alexander Jenkins, as Alexander & Associates and subsequently Alexander & Leavelle, providing planning, financial reporting, regulatory reporting, and operational and compliance auditing services to over ninety independent banks.

In 1998, she organized Thomas Consulting. At Thomas Consulting she now prepares bank plans, monthly financial reports, performs

regulatory compliance audits and training and internal control

audits for several banks. Additionally, she prepares and reviews Call Reports for several banks. Ms. Thomas has taught numerous call report seminars for state banking associations.

She has presented the Call Report Seminar to and has responded to questions from thousands of bankers in over 16 states. Her experience in working with a broad range of independent financial institutions is of unique value in understanding Call Report

questions and in communicating with bankers in their language.


Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an

OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Excel Explained: Dealing with Duplicate Data

Thursday, February 16, 2017 12:30 PM–2:30 PM Mountain Time


Program Content:

Are you frustrated with duplicates frequently showing up in your spreadsheets and don’t know how to identify and manage them? If so, you’ll want to attend this live webcast presented by Excel expert David

H. Ringstrom, CPA. He covers a variety of topics, including identifying duplicate data visually by way of the Conditional Formatting feature, using a pivot table to determine how many duplicates are in a list, and

applying worksheet functions like SUMIF or COUNTIF to sum or count instances of duplicates.

In addition, David shows you how to:

Use the MATCH worksheet function to help identify

differences in two different lists.

Use the COUNTIF function to determine the number of times

an item appears on a list.

Create a data validation rule that ensures users can’t enter

the same data more than once in a given area of a spreadsheet.

Eliminate duplicates from a list with just a few mouse clicks.

Use Conditional Formatting to color-code your data, identify

duplicates, and apply icons—and much more.

David typically demonstrates techniques from the version of Excel used by the majority of attendees. This means he uses Excel 2010, 2013, or 2016 to demonstrate techniques, but his detailed handouts

identify differences in Excel 2007, 2010, 2013, and 2016 when needed. His webcasts are fast-paced, and attendees often are surprised at the amount of ground he covers in a session. He welcomes participants’

questions, so come ready to pick his brain.

David’s detailed handouts, with numbered steps, serve as reference material you can utilize going forward. He also provides an Excel workbook that includes most of the examples he uses during the

webcast.

Covered Topics:

Apply the Advanced Filter feature and the Remove Duplicates

feature.

Define how to visually identify duplicate records with the

Conditional Formatting feature.

Identify how to use a pivot table to quickly ascertain how many

times duplicates appear within a list.

Create a data validation rule that prevents users from entering the

same data more than once in a list.

Eliminate duplicates from a list with just a few mouse clicks.

Filter list entries based on colors that you apply manually or with

Conditional Formatting.

Identify duplicates in a list using Conditional Formatting.

Improve the integrity of spreadsheets with Excel’s VLOOKUP function.

Learn how VLOOKUP stops looking after it finds an initial match within a list.

See how to instantly determine the number of duplicates in a list with a pivot table.

Learn the mouse trick that lets you quickly make a copy of an existing worksheet.

Understand why numeric data may appear in a pivot table more than once, and how to correct the problem.

Use a wildcard character with SUMIF to summarize data based

on a partial match.

Use Conditional Formatting to color-code your data, identify

duplicates, and apply icons.

Use Excel’s COUNTIF function with Conditional Formatting to

highlight the second and beyond instances of entries on a list.

Use the COUNTIF function to determine the number of times an

item appears on a list.

Use the MATCH worksheet function to identify differences

between two different lists.

Use the Reapply command to refresh a list as you correct

duplicate instances. Use the SUMIF function to summarize data based on a single criterion.

Who Should Attend:

Practitioners seeking to identify and manage duplicate data in Excel.

Presenter: David Ringstrom, CPA owns Accounting Advisors, Inc., an Atlanta-based spreadsheet and database consulting firm that he started in 1991. David has written freelance articles about spreadsheets since 1996, some of which have been published internationally.

He teaches scores of webinars on Excel each year, along with speaking at conferences. David coined the phrase "Either you work Excel, or it works you!" Accordingly his sessions are designed to help you turn the tide and become a much more effective spreadsheet user.



Name: ___________________________________________

Bank: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


Accounts Receivable and Inventory Financing Tuesday, February 21, 2017



Program Content:

Accounts Receivable and Inventory are the most fundamental form of “Asset-Based” Commercial Lending. Commercial borrowers use the value of these assets (also called working assets) as collateral to secure financing to produce and sell their products and services. Often, bankers will take Accounts Receivable and Inventory as “side” collateral because their true comfort is provided by the borrower’s real estate, which is usually required as a condition of the loan. Pledging real estate may not always be an option for your borrower. The primary reason for requiring real estate as collateral is caused by the perceived inability to control and monitor the working assets. This course will cover Accounts Receivable and Inventory

Financing risks, and present how a bank can prudently manage these risks. It will give a deeper understanding of how Accounts Receivable and Inventory can provide an adequate form of collateral to support borrowings for the purpose of financing inventory; financing acquisitions; restructuring debts and tiding companies through periods of growth and distress. After completing this course, the participant will be less hesitant to

enter this type of financing and will be able to recognize when Accounts Receivable and Inventory Financing is required; how to evaluate potential borrowers, and how to structure these transactions to remain in compliance with the regulatory authorities. Covered Topics:

Types of Accounts Receivable and Inventory Financing o Asset-Based Lending o Secured Financing o Blanket Receivables Lending

Accounts Receivable and Inventory Financing Structures

Evaluating the Borrower

Evaluating the Collateral

Underwriting ARIF Loans

Administering ARIF Loans

Disbursing Revolving Loan Advances

Factoring and Third–Party Vendors Providing ARIF Software

Verification of Accounts Receivable and Inventory Who Should Attend:

Senior Credit Officers, Senior Loan Officers, Commercial Loan Officers, Consumer Loan Officers, Credit Analysts, Loan Review

Officers, Loan Administration Personnel Presenter:

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

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

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to

issues in financial institutions. He teaches actively for fifteen state

banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001. Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow

School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania. Cancellation Policy:

Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: ___________________________________________

Bank: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


New BSA Officer Training Wednesday, February 22, 2017



Program Content: You have been appointed the new Bank Secrecy Officer for your bank. You now feel like a deer caught in the headlights--what to do, where to start, who can help? All these thoughts are running through your mind. Well, worry no more, since we have designed the perfect program for new BSA officers. We will help you set up a framework to begin your new job and organize the sections of the BSA exam manual and law so you will know how to begin. You will go from panic to calm, as this program will break down the components of the regulation, the exam manual and the functions so that you can begin to look at each piece one at a time. Covered Topics:

Understand how the BSA law is organized

Understand how the sections of the BSA manual can help you structure your program

Designing a risk assessment

How to write a BSA policy

How to look at Customer Identification Programs and Customer Due Diligence

Working on the SAR, Investigation, Filing and Tracking

Changes pending, e-filing, confidentiality and organization

What regulators may expect from your AML program

And much, much more! Who Should Attend: New BSA Officers, BSA coordinators, those who assist the BSA Officers such as Security, OFAC and Compliance Officers Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Servicemember Issues: The Military Lending Act & SCRA

Wednesday, February 22, 2017 12:30 PM–2:30 PM Mountain Time


Program Content:

Servicemember issues have been in the news for a few years now. Financial Institutions have been taking great care not to treat servicemembers and their family members less favorably, due to the great compliance and reputation risks problems in this area present. But what exactly are the rules? The Servicemembers Civil Relief Act (SCRA) is the most well-known, of course. But there are other considerations, such as fair lending and even UDAAP. And the new Military Lending Act (MLA) regulations have kicked in. These rules will introduce significant new requirements for ALL lenders, whether they know it or not yet. Lenders that believe they don’t have issues to deal with for military customers may unfortunately be taken by surprise. Does your institution know the rules, and what to do and not do?

This webinar is designed to address all these issues, and especially the new MLA rules, so you can be prepared. Know what it means to reduce the interest rate on active duty borrowers to 6%, as well as various other protections against foreclosure and other areas. Know how to determine whether you have a "covered borrower" under the MLA and SCRA, as the standards are different.

We'll also talk about some of the more-recent enforcement actions taken against other institutions, to learn from others' mistakes. Covered Topics:

MLA rules - what are they all about?

Verifying status under the MLA and SCRA

What do we have to do when someone is covered?

Caps and rate restrictions under the rules

Disclosures

Principal SCRA protections, including the interest rate reduction provision

What does active duty mean? How do you know for sure who is covered? Plus, who is NOT covered?

Dealing with the DMDC website to confirm status

Permanent Change of Station (PCS) guidance

When does coverage end? Does it?

Foreclosure and default judgment protections

HUD Form 92070 - what it is and when to provide it

Protection against eviction

Steps to take now Who Should Attend:

Anyone in the institution that might encounter Servicemembers

and Servicemember accounts. This includes frontline staff, managers, auditors, lenders, and underwriters. "This has been the best webinar I've attended. The instructor is

very knowledgeable!" -- Andrew Olker, Superior Choice Credit Union Presenter:

Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country.

He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is

a frequent contributor to and currently serves on the Editorial

Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country. Cancellation Policy:

Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Business Account Mapping: New CDD Rules in a Multi-Tiered

Business Environment Thursday, February 23, 2017



Program Content: Learn how to open multi-tiered business accounts. Complex business structures with multiple business entities owners present unique challenges in light of new Customer Due Diligence (CDD) rules. We will diagram and map out several complicated business structures and learn how to get the proper documentation, resolutions and beneficial ownership in these unique entities. Covered Topics:

Case Study #1 An LLC with Five Corporate Owners

Case Study #2 A partnership with three LLCs as partners

Case Study #3 An LLC with another LLC as the single member owner

Case Study #4 A single member LLC with an individual as the owner

Case Study #5 A corporation dba another entity

Case study #6 A sole proprietorship owned by a trust

Case Study #7 A single member LLC with corporation as member

New beneficial ownership rules

Learn how to stack complicated paperwork

Taxpayer identification rules on entities and disregarded entities

Who Should Attend: BSA officers and staff, deposit operations, new account representatives, branch managers, branch personnel, training and security. BSA Officer, Deposit Operations, New Accounts Representatives, Branch Managers, Branch Personnel and training. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days 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 information online of the seminar at no additional charge. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Signature Card Danger Zones Thursday, February 23, 2017



Program Content: What would happen if you were called upon to give a deposition on a signature card for an account you opened 13 years ago at an institution for which you no longer work? What would you say when an attorney asked you to remember the customer’s intentions when you opened that account? This actually happened. A banker had placed an “X” on the signature card in between JTWROS and JTWOROS. Learn that your signature cards are a legacy you leave the bank for many years to come. The way a signature is set up can impact your customer’s FDIC coverage. Bankers must clearly understand ownership, titling and access under your signature card contract. If you don't, then the bank will have potential liability. This is a “must attend” webinar to learn about risks, liability and losses that can occur due to signature card contracts and, most importantly, how to avoid these issues! This webinar is a cost effective way to train those who open new accounts on the potential liability of signature cards that are improperly set up. You may train as many individuals as you like for one set price. Covered Topics:

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

Who Should Attend: Customer service representatives, Branch administration, Branch managers, Tellers, Training and development staff, Compliance personnel and anyone who handles customer accounts "Deborah Crawford did an excellent job on her presentation on Signature Card Danger Zones. I learned a lot from her presentation, as well as from her answering a lot of questions submitted from participants. It was nice that she took the extra time to address every question submitted. I would recommend this webinar to any financial institution." - Christina D., St. Johns Bank Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures.

She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge. If you are unable to attend the webinar, but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Ransomware and Cyber Extortion

Friday, February 24, 2017 9:00 AM–11:00 AM Mountain Time


Program Content: You come home from work, walk in, and find your child is gone. There is a note on the kitchen table, “We have your child, do not call the police, pay $100,000 and we will return your child safely. Wait for a phone call.” Have you ever watched the movie "Taken"? When Liam Neeson is involved, he gets his child back and he keeps his promise to take down the bad guys. In today’s technology world, criminals are leveraging malicious software and extortion techniques on financial institutions and their customers to do similar things. Ransomware and Cyber Extortion cases are on the rise, with over a billion dollars in losses. With this training, we will give teach institution a “particular set of skills”, just like Liam. Covered Topics:

How infections begin

Process of Ransomware

Best Practices for Incident Response

High profile cases

Technology Best Practices

Leveraging the Information Security Program

Review FFIEC Guidance’s

Free Ransomware Toolkit Who Should Attend: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking to understand risks from Ransomware. Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS Institute for Secure Banking Solutions (SBS) out of Madison, SD. SBS is a leader in information security consulting for the financial industry in the US. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along with performing IT Audits, Penetration Tests, Vulnerability Assessment and other security services. Chad is a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA) and Certified in Risk and Information Security Controls (CRISC), and received his Bachelor of Science in Computer Information Systems and his Master of Science in Information Assurance with an emphasis in Banking and Finance Security from Dakota State University. Chad has been with SBS since 2004 and has consulted with many financial institutions during this time.

Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge. If you are unable to attend the webinar, but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Overdraft Protection Programs Monday, February 27, 2017



Program Content: WHAT – Banks are aware that the regulatory environment surrounding overdrafts is now at the forefront of regulatory rulemaking, and many still face confusion regarding which Overdraft Protection guidance is applicable. This awareness is attributed both to the increased scrutiny banks are experiencing during their regulatory examinations, as well as the material number of regulatory documents issued on the subject by a host of regulatory agencies. No bank wishes to be the next bank taken to task for their overdraft practices which have withstood scrutiny for multiple examinations.

Beginning in 2005, there have been various interagency guidance or examination manuals issued by regulatory agencies that appear to be only applicable to their member institutions. Additionally, the CFPB has been very active in this area and has issued whitepapers and related reports, blog articles, and various other communications that outline the intent to issue proposed rulemaking over the coming months.

We'll identify which guidance was issued on an interagency basis and is applicable to all banks, as well as the guidance and examination handbooks issued by singular agencies intended for their member banks. We will also address the CFPB releases and the intended or implied guidance for all financial institutions that offer one of the various forms of overdraft products. We'll review major regulatory findings and agreed-upon corrective action set forth in recent written consent actions. This program is intended for a wide range of bank personnel who are involved in the first, second or third line of defense for this area.

WHY – Over the years, a number of overdraft programs have evolved that are intended to cover potential Non-Sufficient Funds (NSF) situations. The earlier products included Lines of Credit attached to a deposit account or a link to another deposit account, which funds could be accessed for payment of the NSF. Later overdraft products included ad-hoc overdraft services to view NSF situations on a manual discretionary basis.

In recent years, banks began to automate this service and provide coverage on a range of their consumer and small business accounts if the account met certain parameters. These programs were advertised or promoted by banks as a source of short term credit, and were typically called “bounced check protection” or “courtesy overdraft”. These products are at the center of the latest round of regulatory interest. There have been two large financial institutions involved in consent decrees with regulatory agencies that resulted in penalties and expensive litigation. This program:

Identifies problem areas highlighted in consent decrees and regulatory guidance

Identifies particular practices that have the highest risk of being designated a UDAAP issue

Provides suggestions, including a list of industry best practices and regulatory agency recommendations, to avoid and/or correct identified issues.

Participants receive a detailed manual that serves as a valuable resource long after the conclusion of the program.

Covered Topics:

Participants will leave understanding regulatory expectations regarding:

Opt-in process for transactions not covered by Regulation E

Opt-out process for non-Regulation E products that are automatically covered

Policy and program requirements

Board and Senior Management oversight

Concise and informative disclosures

Legal and regulatory risks

Reputational risks

Call Report impact

Transaction clearing order

Advance alerts

Dissemination of information on similar fee-free products

Bank’s discretionary right to pay

Promotion or marketing as “free” or “low-cost”

Fee regimen including initial, continuous or negative balance

Relationship to UDAAP

Transactional testing

Consumer vs. business accounts

Ability to Repay (ATR) determination

Steering

Assessment of a reasonable fee to correlated service.

Who Should Attend: Compliance Officers, Branch Administration, Deposit Operations, Senior

Management, Auditors, and those responsible for the development, implementation, maintenance and oversight of a bank’s overdraft protection program

Presenter: Don L. Blaine is the Senior Training Consultant for Compliance Resource, LLC. Don has over 30 years of experience in regulatory compliance for the banking industry with banks ranging in size from community banks to money center banks. He provides training on Bank Secrecy Act/Anti-Money Laundering and

deposit compliance. His prior roles have included: Chief Compliance Officer, Senior Compliance Regulatory Examiner, Compliance Audit Manager, and business unit compliance manager.

Don has taught at the ABA’s National Compliance School and has served as an instructor at programs offered by state banking associations. Prior to joining Compliance Resource, LLC, Don served as a consultant to numerous banks. He has attained Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) certifications.


Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge.

If you are unable to attend the webinar, but would like to have this information for training purposes, you may also purchase an OnDemand 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 materials will be delivered to you.








materials



Method of Payment:



Mastercard Visa

Card Number: __________________________________________

Expiration Date: _________________________________________

Signature: _____________________________________________


Basic Personal and Business Tax Return Analysis

Monday, February 27, 2017 12:30 PM–2:30 PM Mountain Time


Program Content: Attend this proactive seminar to gain an understanding of the often complex and confusing topic of TAXES! Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this seminar will concentrate on personal tax return analysis, and the second part will focus on analysis of various business tax returns. Covered Topics: In the FIRST part, we'll:

1. Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms),

2. Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules

3. Discuss updates in the current tax code and how they affect the bank’s clients, and

4. Describe how the 1040 tax return can be used to market the bank’s products and services.

In the SECOND part, we'll:

1. Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return,

2. Analyze business tax returns and prepare cash flows for these entities,

3. Draw additional information from the business returns including identifying fraudulent tax returns, and

4. Discuss updates in the current tax code as they apply to businesses.

Who Should Attend: Commercial lenders, credit analysts, consumer lenders, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Presenter: David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/ Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors. His extensive professional background of over 30 years includes 17 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development. Mr. Osburn has been an adjunct college professor (MBA and undergraduate courses) for over 30 years including Regis University and the College of Southern Nevada. He holds an MBA from Utah State University, a BS in Finance from

Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM). Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge. If you are unable to attend the webinar, but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


OnDemand Compliance Webinars

Available Webinars

Annual Training On-Demand Webinar$200 for WBA members

Looking for a convenient way to train your employees? No time to develop your own training materials? This two-part on-demand webinar (deposits/lending) covers required annual training topics. Both webinars are pre-recorded and can be used by your institution as needed - such as a “bank training day” held on a legal holiday or as new staff is added. Meet the majority of your annual regulatory training requirements by purchasing one or both of the webinars. Each webinar link will be accessible for up to 12 months. The $200 registration fee per webinar includes access to the webinar segment purchased and the power point presentation with commentary. The link allows unlimited replay for up to one year.

This two-part series provides high-level annual training for bankers in retail deposit, lending, operations and management. The first two-hour webinar focuses on deposit related topics involving mandatory reporting requirements under the Bank Secrecy Act, challenges with Reg. Edisputes and opt-in rules, Reg. CC hold examples and more.

Part-two focuses on annual training requirements for lending related functions. This two-hour webinar provides training on the Bank Secrecy Act specifically targeted to lending personnel, a fair lending review and update, a review of Reg. Z’s ability-to-repay requirements, recent changes to the flood rules and an overview of the mortgage disclosure changes.

Retail Deposit Segment - Part One:

• BSA – retail and operations focus (includes CTRs, SARs, CDD/EDD, AML, and CIP)• Reg. E (EFTA) – Error resolution and opt-in requirements• Reg. CC (Funds Availability) – hold types and time frames, coverage, and system validation tips• Reg. DD (Truth in Savings) – terminology, change in terms• Advertising and UDAAP

Presenters:Julie Gliha, MBA, CRCM, VP of regulatory compliance for Iowa Bankers AssociationJohn Gorenson, CRCM, Compliance Coordinator for Iowa Bankers Association

Lending Segment - Part Two

• BSA – lending and loan operations focus (includes CIP, AML, and SARs)• Fair Lending – recent enforcement actions, joint intent, same sex marriages• Ability to Repay (ATR) – documentation, modifications, assumptions• Integrated Disclosures – changes in forms and processes, preparation• Flood – Biggert Waters/Homeowners Flood Insurance Affordability Act, detached structures, and multi-family coverage updates

Online registration is available here.

BSA for Directors OnDemand Webinar$150 for WBA members

Wondering if there is an inexpensive and convenient way to train your Board of Directors on the requirements of the Bank Secrecy Act? Now there is. Register for this 25 minute on-demand training session specifically designed for the Board, educating them on the high-risk areas identified in the Bank Secrecy Act. Your link will allow repeated access to this session for up to twelve months.

This webinar includes information on -

• BSA Compliance Program• AML Compliance Program• Board’s Role in BSA/AML Program• Non-Compliance Risks and Penalties

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Online registration is available here.

http://www.iowabankers.com/aspx/iba/eventregistration.aspx?ed_key=3521

http://www.iowabankers.com/aspx/iba/eventregistration.aspx?ed_key=3390

Certified Banking

Security Technology Professional™ Course begins February 6

Self-paced, 10 weeks to complete.

Core Certification Price: $1,295.00

Register

WHAT YOU WILL LEARN:

Incident Response Procedures

System Hardening

Mobile Device Management

Penetration and Vulnerability Testing

Patch Management

Social Engineering Testing

Perimeter, Network, and Endpoint Security

Data Backup and Replication

Certified Banking

Ethical Hacker™ Course begins February 13


Core Certification Price: $999.00

Register


The four step process: information gathering,scanning, exploitation, and post exploitation

How attackers leverage the web

Post scanning, fingerprinting, and versioning techniques

Vulnerability scanning with Nessus

Exploitation and privilege escalation utilizing John the Ripper

Exploitation with Metasploit

Exploiting the human by “hacking” users

Post exploitation and meterpreter

https://certification.protectmybank.com/store/130573-cbstp-certified-banking-security-technology-professional?tab=1

https://certification.protectmybank.com/store/130603-cbeh-certified-banking-ethical-hacker?tab=1refv%3DWyBA

Certified Banking

Security Executive™ Course begins February 20


Core Certification Price: $1,295.00

Register


• Hot Topics in Technology, Security, and Fraud

• Risk Management

• Policy and Procedures

• Audit Programs

https://certification.protectmybank.com/store/130604-cbse-certified-banking-security-executive?tab=1refv%3DWyBA

AIB Diploma/Certificate Application Please evaluate my eligibility for the following diploma/certificate:

_______________________________________________________________ (Please write the title as it appears on the WBA website: www.wyomingbankers.com)

Your Name (as it will appear on Diploma/Certificate) ___________________________________________________

Title __________________________________ Last 4 Digits of SSN ______________________________

Present Employer _______________________________________________________________________

Branch Street Address ___________________________________________________________________

City _________________________________ State ___________ Zip Code _______________________

Phone Number (______) ______ - ______ Fax Number (______) ______ - ______

Email Address _________________________________________________________________________

Your congratulatory letter and award will be sent to your CEO or a local Senior Manager. A copy of the congratulatory letter will be sent to you.

Please submit to the following address:

Wyoming Bankers Association P.O. Box 2190 Cheyenne, WY 82003


https://wyomingbankers.site-ym.com/

2017Bank Technology

Management School

March 19-24, 2017Fluno Center for Executive Education

Graduate School of Banking at the University of Wisconsin – Madison Madison, Wisconsin

Educating Professionals, Creating Leaders

Linking Technology Management to Bank Performance

This state-of-the-art program will broaden your understanding of the business of banking and information technology management, improve your productivity and value at your bank and help you to establish a network of professional colleagues with whom to collaborate and exchange ideas for years to come.

Two-Part Curriculum

The school has been divided into two core areas of study—the business of banking and strategic technology management.

Business of Banking CurriculumInformation technology professionals must understand their business context to make effective IT decisions for the bank. Core areas in this section include:

• Introduction to the Business of Banking

• Bank Profitability Analysis

• Asset/Liability Management

• Bank Regulatory & Competitive Environment

Technology Management Curriculum

Through a mix of lecture, discussion and hands-on computer labs that include penetration and vulnerability testing, you’ll learn about:

• IT Project Management

• Vendor Management

• Leveraging Infrastructure and Emerging Technologies to Create Your Bank’s Advantage

• IT Disaster Recovery & Incident Response Planning

• Information Technology Risk Assessment

• IT Exam Preparation Hotspots

• Hacking

Fees & Accommodations

Your tuition includes includes a non-refundable $350 registration fee, all instructional materials, five nights single occupancy lodging, full breakfast and lunch each day, a welcome reception, access to IT and banking industry experts and all computer lab sessions and software. Tuition for the 2017 session of the Bank Technology Management School is $3,050.

Register at gsb.org

Due to the hands-on nature of the school, this program is limited to 50 participants. This program has quickly sold out in the past, so early registration is encouraged.

Bank Technology Security SchoolOctober 14-20, 2017, Dallas, TexasVisit gsb.org for details on this popular program!

ALSO IN 2017

Sponsored by:

The human resource function directly impacts your bank’s productivity and bottom-line results. That’s why HR professionals in financial services require a working knowledge of the business of banking as well as strong talent management and leadership skills. This one-week school is designed specifically for HR professionals in banking and ties together banking and human resource leadership.

Expand your knowledge of banking, human resource management and employee performance at this respected school—and establish a network of colleagues to exchange ideas for years to come. Topics are timely and relevant, and may include:

• Introduction to the Business of Banking

• Bank Profitability Analysis

• Asset/Liability Management

• Bank Regulatory & Competitive Environment

• Strategic Planning & Marketing

• HR’s Role in Building and Maintaining Company Culture

• Role of Benefits in Total Rewards

• Building a Talent Management Succession Plan

• Employment Law Update

• Developing a Base Compensation Plan

• Best Practices: Building and Refining Incentive Compensation Plans

All-Inclusive Tuition Adds Value Human Resource Management School tuition includes a non-refundable $350 registration fee and all instructional materials. Tuition also includes a full breakfast and lunch daily, welcome reception, closing night dinner and five nights single occupacy lodging. 2017 tuition is $3,050.

Educating Professionals, Creating Leaders 800-755-6440 | gsb.org

March 26 - 31, 2017Graduate School of Banking at the University of Wisconsin – Madison | Madison, WI

Scholarships available!See gsb.org for details

2017 Human Resource Management School Linking Human Resources to the Bottom Line

Sponsored by:

Wyoming Bankers Association

For details, online application or enrollment deadlines, visit gsb.org.

Graduate School of Banking | July 30 - August 11, 2017This 25-month leadership development program provides the tools you need to be successful in your banking career. Explore a broad range of electives, learn from talented faculty and participate in hands-on learning projects that challenge you to put key concepts to work in the real world. At GSB, you’ll develop the critical thinking skills and leadership talents to manage change and motivate people by drawing on a clear understanding of all areas of financial services management. Plus, you’ll earn a Certificate of Executive Leadership from the Wisconsin School of Business in addition to a GSB diploma.

Bank Technology Management School | March 19 - 24, 2017Created especially for financial services IT professionals, this popular and respected program explores critical banking and technology issues. Through expert instruction and hands-on labs, you’ll gain an in-depth understanding of bank profitability, technology management, security and more.

Bank Technology Security School | October 15 - 20, 2017 in Dallas, TexasEspecially for IT security officers, this program will broaden your understanding of the business of banking along with an in depth, interactive and hands-on study of the latest IT security techniques and strategies.

Human Resource Management School | March 26 - 31, 2017Designed specifically for financial services HR professionals to help tie together important banking and HR issues, this respected one-week school will expand your knowledge of the business of banking, human resource management and employee performance. Plus, you will return to your organization with a network of colleagues with whom to interact and exchange ideas for years to come.

Financial Managers School | September 10 - 15, 2017This one-week school goes beyond the basics to present best practices and solutions to today’s most critical financial management decisions. Designed by experienced CFOs for financial institution finance managers, this school provides the tools you need to build a solid foundation in asset/liability management.

Bank Management Forums | Ongoing Throughout the YearFrom one-day workshops with our state association partners to customized in-bank training resources, in-depth seminars and more, GSB offers today’s senior bank manager various opportunities to remain on the leading edge! Contact gsb.org for details.

Online Seminar Series | Ongoing Throughout the YearOffering a convenient and cost-effective way to participate in educational opportunities, these programs are designed specifically for financial professionals and delivered by some of today’s top industry experts. Live and recorded programs offer maximum flexibility for your busy schedule; see our site for a complete list of topics.

GSB ATTRACTS STUDENTS FROM ALL EXPERIENCE LEVELS

Educating Professionals, Creating Leaders

For details on GSB programs or to request a catalog, call 800-755-6440 or please visit

gsb.org

2017 Educational Programs

10 %

45%

14 %

15 %

9 %

5 %

2 %

Less than $100 million .......................10%$101 to $500 million ...........................45%$501 million to $1 billion ...................14%$1 billion to $5 billion ........................15%Over $5 billion ......................................9%Regulatory ............................................5%Non-bank..............................................2%

0 10 20 30 40 50

Bank asset range for 2016 students:

Sponsored by:

Wyoming Bankers Association

The 2017 National School for Beginning Ag Lenders is an intensive school designed to train in all facets of agricultural lending with emphasis on

credit analysis, credit scoring, risk rating, problem loans and group case study.

Fundamentals of Ag Lending

2017 National School for Beginning Ag Lenders

June 19-22, 2017Black Hills State University

Spearfish, South Dakota

This school will be limited to 60 students. Visit www.sdba.com.

OverviewFundamentals of Ag Lending: National School for Beginning Ag Lenders is an intensive school designed to train in all facets of agricultural lending with emphasis on credit analysis, credit scoring, risk rating, problem loans and group case study. The school, sponsored by the South Dakota Bankers Association, will be held on the campus of Black Hills State University in Spearfish, S.D., on June 19-22, 2017.

Attendees will receive personalized instruction and continual peer interaction fostered through a limited class size, case study and group exercises. A packet of information will be sent to each student. Included will be a pre-session assignment that needs to be completed and returned prior to the school. Be watching for it.

HousingStudents will stay in new student housing in private rooms, with two units connected on either side of one shared bathroom. Rooms are air conditioned with great views of the Black Hills. Housing is not required for local students.

TuitionThe registration fee includes tuition, housing, meals and student handouts.

l State bankers association members: $1,595 per person

l Non-members: $1,695 per person

l Deduct $75 per person if staying off-campus.

l Add $100 per person if registering after May 29, 2017.

l A fee of $100 per person will be charged if canceled after May 22, 2017.

l No refund if canceled after June 5, 2017. Substitutions are allowed at any time.

CurriculumView of the Ag Economy from 30,000 Feet: This session will examine the drivers of change that will impact your customer base. These include technology, the global market, weather, government payments, farm structure, the general economy and other factors that will set the stage for credit and marketing programs in the 21st Century. Discussion will focus on keys to securing loans and being a successful agricultural lender in today’s volatile and challenging times.

Earnings Analysis, Stop Light Analysis and Cash Flow Analysis and Projections: Attendees will learn the key financial tools and variables needed in credit analysis of agricultural loans. Students will apply financial statements analysis, ratio analysis, cash flow and financial benchmarking to real-world cases. Discussion will center around financial and non-financial information and how it can impact the success of a loan, along with how to communicate the analysis to customers, loan committees and regulators.

Loan Servicing and Risk Management: Loan servicing is always important but never more so than in an economic down cycle. This session will focus on the fundamentals of loan servicing. How do you perform adequate levels of due diligence through inspections, borrowing base reports, and covenant monitoring while at the same time building loyalty in your customer relationships? What are red flags? Avoid the pitfalls of lender liability. Engaged students will build effective and efficient loan servicing habits during this session.

Management Assessment and Customer Profiling: Now more than ever assessing the management ability of your borrowers is vital. Can they manage the size and scale of their farm or ranch? Do they have the integrity and systems to keep you informed with accurate, timely and reliable information? What is their skill level in financial management? Students will become familiar with various approaches to measuring risk with their borrowers. We will conduct a thorough review of the five C’s of credit. But are there more? This risk assessment training will focus on financial and non-financial risk indicators and considerations on how to price for risk. We will close this session with discussions from ag counselors sharing real life case studies of the problems they incur as they work with farmers and ranchers.

2017 National School for Beginning Ag Lenders

Monday June 19, 2017

Tuesday June 20, 2017

Wednesday June 21, 2017

Thursday June 22, 2017

11:00 am - 12:30 pmRegistration in the Lookout Lodge at the Peaks (campus map will be sent to all registrants in June)

1:00 - 1:15 pmOfficial Welcome and Orientationl Denny Everson, Curriculum Coordinator l SDBA School Administrator

1:15 - 2:45 pmWhat Concerns Me Most About Being an Ag LenderEverson, Craven, Franzen

7:00 - 8:00 amBreakfast



8:00 - 9:00 amView of the Ag Economy from 30,000 FeetSwanson

8:00 - 9:00 amStop Light AnalysisFranzen, Miller, Nordquist

8:00 - 9:00 amBank SimEverson, Craven

9:00 - 10:00 amLending in Today’s Challenging and Volatile Times Miller, Nordquist, Franzen

9:15 - 11:00 amCash Flow Analysis and ProjectionsFranzen, Miller, Nordquist

9:15 - 11:45 amManagement Assessment and Customer ProfilingFranzen, Miller, Nordquist

10:15 am - 12:00 pmBalance Sheet and Working Capital Analysis Franzen, Miller, Nordquist

11:00 am - 12 pmProducer PanelModerator: Everson

12:00 - 1:30 pmLunch

12:00 - 1:00 pmInformal Lunch with Producers

11:45 am - 1:00 pmLunch

1:30 - 3:00 pmBank SimEverson, Craven

1:00 - 2:00 pmBank SimEverson, Craven

1:00 - 1:45 pm10 Things Young Bankers Need to KnowEverson, Craven, Franzen, Miller, Nordquist

3:00 - 6:30 pmIntro to Bank SimEverson, Craven

3:15 - 5:00 pmEarnings AnalysisFranzen, Miller, Nordquist

2:30 - 4:45 pmLoan Servicing and Risk ManagementFranzen, Miller

2:00 - 3:30 pmBank Sim Wrap Up and Final EvaluationEverson, Craven

7:00 - 9:30 pmReception & DinnerHigh Plains Western Heritage Center

Dinner on Your Own Dinner in Deadwood (on your own)

Safe Travels Home

will help ag lenders better understand how decisions they make will impact all departments within the entire operation of their banks. The school is unique in that it is open to institutions that are not SDBA members, including non-bank financial institutions and regulators.

Who Should AttendAg lenders with zero to three years experience should attend Fundamentals of Ag Lending: National School for Beginning Ag Lenders. The objective is to train in all facets of agricultural lending with emphasis on credit analysis, credit scoring, risk rating, problem loans and group case study. Students will receive personalized instruction and continual peer interaction fostered through a limited class size, case study and group exercises.

Why You Should AttendThe purpose of Fundamentals of Ag Lending: National School for Beginning Ag Lenders is to prepare ag lenders to make better loan decisions. “In college you get a lot of book learning, and you learn the basics of communication,” said Denny Everson, co-founder of the school’s curriculum. “This school takes ag lending to a specialized level—here’s what the job is really about. As the agricultural landscape changes, it is critical that ag lenders get more specialized training so they can be a more useful resource to farmers, and this school will provide that training.”

The curriculum includes more than 25 hours of hands -on instruction with problem-solving approaches to real life situations. Active involvement in a bank simulation

Class Schedule

School Faculty

Denny Everson is co-developer of the SDBA’s beginning and experienced ag lender schools. Everson is a director for Farmer Mac and served as chairman of the ABA’s Ag and Rural Bankers Committee. He received SDSU’s Distinguished Alumnus Award in 1999 and was recognized as SD Cattlemen’s Agri-Businessman of the Year in 1998 and 1993 and South Dakota Pork Producers Dedicated and Distinguished Service Award in 1998. He received the coveted ABA Center for Agricultural and Rural Banking’s Bruning Award in 2008 and was inducted into the South Dakota Hall of Fame in September 2015 for his contributions to agriculture. Everson is retired from First Dakota National Bank, Yankton, S.D., where he served as president of the Agri-Business Division and director of branch administration. He currently serves on First Dakota National Bank’s board of directors.

Robert H. Craven is an extension economist and director of the Center for Farm Financial Management, Department of Applied Economics, University of Minnesota. Areas of specialty include business management, credit analysis and grain marketing. His work for the Center has focused on development of FINPACK, a nationally-recognized ag credit analysis software. He is also on the development team for the “Winning the Game” grain marketing education programs. He has spoken at numerous conferences including the National ABA Ag Bankers Conference and the USDA Ag Outlook Forum. He has also taught more than 300 workshops on farm management and marketing.

Mike Swanson is chief agricultural economist and consultant for Wells Fargo in Minneapolis, where he has worked for 17 years. He is one of the most well-respected ag economists in the country, analyzing the impact of energy on ag, forecasting for key ag commodities, and helping develop credit and risk strategies for producers and bankers. Swanson performs macroeconomic and international analysis on ag production and agribusiness. Previously, he worked for Land O’ Lakes, a large national dairy cooperative based in Minnesota, where he supervised the sales forecasting process as well as a portion of the supply chain for dairy products. He also lived in South America for four years working for the agribusiness giant Cargill.

Dale Nordquist is an extension economist at the Center for Farm Financial Management in the Department of Applied Economics at the University of Minnesota. His interests include farm business analysis, farm planning and software development. Nordquist has more than 25 years of experience in teaching farm management and developing software tools for farm financial planning and analysis. He has been a major contributor to the design and development of the FINPACK farm financial planning and analysis software.

Sam Miller is managing director, group head of agriculture banking for BMO Harris Bank, where he coordinates and leads production agriculture and agribusiness related banking activities. BMO Harris is the largest agricultural bank in Wisconsin and the eighth largest in the United States. Miller has more than 30 years of agricultural banking experience, the past 26 at BMO Harris Bank. Miller is a Bruning Award recipient, an award for excellence in ag banking presented by the American Bankers Association. He is a past chair of the ABA’s Ag and Rural Affairs Committee and a school director for the Wisconsin Bankers Association’s Advanced Ag Banking School.

Nate Franzen is president of the Agri-Business Division at First Dakota National Bank in Yankton, S.D., where he and his team service more than $850 million in agricultural loans for the $1.4 billion bank. He grew up on a diversified family dairy, grain and beef cattle farming operation in northeast South Dakota and draws from nearly 25 years of ag banking experience. In 2011, Franzen was appointed to the American Bankers Association’s Agriculture and Rural Bankers Committee and served as chairman in 2015. In 2013, he spoke at the World Bank’s International Financing Agriculture Forum in Colombo, Sri Lanka. Franzen is a graduate of Class I of the South Dakota Agriculture and Rural Leadership (SDARL) Program, where he is a past president of its Alumni Association, joined its Board of Directors in 2013, and is currently chairman of the Board. Franzen is also currently chairman of the board for the SD Agricultural Foundation and serves on the SDSU School of Agriculture and Biological Sciences Advisory Board.

2017 National School for Beginning Ag Lenders ApplicationBlack Hills State University | Spearfish, S.D. | June 19-22, 2017

Full Name (as you wish it to appear on the certificate): ______________________________________________________________________

First Name (as you wish it to appear on your badge): _______________________________________________________________________

Bank Name: ___________________________________________________________________________________________________________

Bank Address: _________________________________________________________________________________________________________

City/State/Zip: _________________________________________________________________________________________________________

Phone Number: _________________________________________ Fax Number: ______________________________________________

Email Address: __________________________________________ Cell Phone: ________________________________________________

Age Range: 20-29 30-39 40-49 50+

This school will be limited to 60 students. Register early as the school fills quickly.

Send your registration form and payment to:South Dakota Bankers Association

PO Box 1081, Pierre, SD 57501Phone: (800) 726–7322 | Fax: (605) 224–7835 | www.sdba.com

Type of Entity(check only one) Independent Bank Independent Branch Holding Company Bank Holding Company Branch Holding Company Other

Total Assets of Bank(check only one) Under $5 mm $5–10 mm $11–20 mm $21–50 mm $51–100 mm $101–200 mm More than $200 mm Other

Total Banking Experience(check only one) Less than 1 Year 1–2 years 3–5 years 6–8 years 9–11 years 12–16 years 17 years or more

Ag Lending Experience(check only one) Less than 1 Year 1–2 years 3–5 years 6–8 years 9–11 years 12–16 years 17 years or more

___ Compliance___ Operations___ Lending___ Audit___ Loan Administration

___ Customer Service___ Public Relations___ Personnel___ Investments___ Credit Analysis

Rank order (1-5) of your major areas of bank experience: (1 indicates most experience, 2, 3, etc.)

Education High School Some College Associate’s Degree Bachelor’s Degree Master’s Degree Ph.D. Law Degree

Housing No Housing (see reg. fee) Male Female

No smoking is allowed in campus facilities.

List Bank Education Training: _______________________________________________________________________________________

________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

Registration Fees State bankers association members: $1,595 per person Non-members: $1,695 per person Deduct $75 per person if staying off-campus. Add $100 per person if registering after May 29, 2017.

All Sections of this Registration Form Must Be Completed

A fee of $100 per person will be charged if canceled after May 22, 2017. No refund if canceled after June 5, 2017. Substitutions are allowed at any time. Registration fee includes tuition, housing, meals and student handouts.

wyoming bankers association february 2017 - … ira seminar october 11-12, ... difference between...

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