Best Western Grantree

Room Rate

2 Queen Beds $93.00

1 King or 1 Queen Bed $93.00

Print or type name clearly as you wish it to appear on your name badge. Only one form per meeting attendee.

FIRST NAME: LAST NAME:

BANK/FIRM NAME:

STREET ADDRESS:

CITY: STATE: POSTAL CODE:

COUNTRY: PHONE: FAX: E-MAIL:

REGISTRATIO N F EE MBA Member Registration

*Additional MBA Member

$375.00 □ $325.00 □

Non-Member Registration

*Additional Non-Member Registration $750.00 □ $650.00 □

Student Rate: $250.00 □

*Additional Member—Attending from the Same Bank, in the Same City

H O ST HO TEL: Best Western Plus GranTree Inn

Reservation Number: 800-624-5865 Group Reference Code: ABC2019 or MBA Ag Bankers Room Block release date: February 22, 2019

P AY MENT (Do not send cash) Please make check payable to: MBA.

MAIL OR FAX PAYMENTS TO: Montana Bankers Association 1 N. Last Chance Gulch #4 Helena, MT 59601 Fax: 406-443-7850 Email: pam@montanabankers.com

REGISTER ONLINE: https://www.montanabankers.com/events/register.aspx?id=950810

Cancellation Policy: Written notice of cancellation received on or before March 8, 2019, will be refunded, minus a $50.00 processing fee. No refunds will be issued for cancellation after March 8, 2019. Check Enclosed : □ Visa □ MasterCard □ Discover □ Card Number: Exp.Date: _/ CVS:

Print Name as it appears on card:

Signature: For questions please call toll free 800-541-5126 or (406) 441-4703, Monday-Friday, 8:00 am - 4:30 pm, MST

2019 MBA AG BANKERS CONFERENCE MARCH 21-22, 2019 BOZEMAN, MONTANA

2019 Basics in Bank Lending: Key Ration & Basic Tax

April 11 - 12, 2019 SpringHill Suites - 1601 Baxter lane

406/586-5200

KEY RATIO ANALYSIS:

CALCULATING AND INTERPRETING THE NUMBERS CORRECTLY!

Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including bankers use finan-

cial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret

the ratios in the same manner?

Attend this proactive seminar and learn a “five-step” analysis plan to calculate the key ratios covering liquidity, activi-

ty, leverage, operating performance, and cash flow analysis and correctly interpret the financial condition of the busi-

ness client. Upon completion of this seminar, the bank employee will also be able to better negotiate with their busi-

ness clients as well as other financial professionals.

The session will also include a review of “spreading” a financial statement using Moody’s software in order to better

analyze the key ratios. This section will also include the bankruptcy (Z-score) predictor and sustainable growth mod-

els.

Two case analyses will be presented to illustrate the main concepts associated with key ratio analysis.

Major Topics

Utilize a “five-step” ratio analysis plan to calculate/interpret the key ratios

Discuss “negotiating” with other financial professionals using the ratios

Review the Z-score and sustainable growth models

Case analyses: Applying the concepts!

Note: Please bring a calculator or laptop (with Excel) for use in the seminar.

BASIC PERSONAL & BUSINESS TAX RETURN ANALYSIS

Attend this proactive seminar and 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 while the second part will fo-

cus on the analysis of various business tax returns.

The objectives of the first part of the seminar consist of the following:

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

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

schedules,

Discuss recent changes in the tax code including the “Tax Cuts and Jobs Act” (TCJA) and how they affect the

bank’s clients, and

Describe how the 1040 tax

The second part includes:

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

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

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

Discuss updates in the tax code including the TCJA as they apply to businesses.

Audience:

Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private

bankers, business development officers

2019 Basics in Bank Lending: Key Ration & Basic Tax

April 11 - 12, 2019 SpringHill Suites - 1601 Baxter lane

406/586-5200

Registration Fee -

□ MBA Member .......................... $375 □ MBA Member Additional Reg .. $325

□ Non-Member ........................... $750 □ Non-Member Additional Reg ... $700

Payment □ Check, Payable to MBA □ Bill me MasterCard/Visa/Discover ~ Available only with your online registration

Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association,

1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education) Hotel Reservations Call 406/586-5200 to make your hotel reservations at the SpringHill Suites, Bozeman. Mention the MBA Seminar and get our special discounted rated based on group availability.

Cancellation Deadlines March 27 is the deadline for full registration refund. If cancellation is after March 27, a $50 fee will be charged.

THE MBA GUARANTEE MBA guarantees the Basics in Bank Lending will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!

Registration Form Yes, I want to attend Basics in Bank Lending: Key Ration & Basic Tax

April 11 - 12 ● SpringHill Suites - 1601 Baxter lane - 406/586-5200

Bank/Firm Name______________________________Phone _______________Fax______________

Address______________________________________City/State/Zip__________________________

List Registrant(s) _________________________________________________________________ Name, Title E-mail

_________________________________________________________________ Name, Title E-mail

Any questions please contact Pam O’Reilly, Association Services Director 800/541-5126 • pam@montanabankers.com

Instructor:

David is the founder and managing member of David L. Osburn & Associates LLC, a Las Vegas-based business training

and contract CFO firm that provides seminar/keynote speeches for various groups including CPAs, bankers, attorneys,

credit union employees, credit managers, trade groups, and business owners. He also serves as a contract CFO for

several clients including construction companies, medical practitioners, and real estate developers, co-manages a bank

educational program with the University of Nevada Las Vegas, and is a board member of North Star Business Services,

a commercial lending company (commercial real estate and equipment financing).

His extensive professional background encompasses over 24 years in banking, finance, and marketing. His bank

commercial lending credentials include comprehensive loan underwriting, management, customer development, and loan

work-out experience.

In addition, David is an Adjunct Professor for Regis University, an accredited MBA program and the College of Southern

Nevada, a community college. He has taught college courses for over 22 years, covering Finance, Accounting, Economics,

Marketing, Banking, Business Law, and Management.

Navigating the Treacherous Trails of IRAs

March 26 - 27, 2019 • Hilton Garden Inn, Billings Presented By: Patrice Konarik, Sunwest Training Corp.

Navigating the Treacherous Trails of IRAs IRA Basic and Advanced Issues

Have you ever noticed sometimes when the IRA Guru leaves the financial institution it is without notice or training for a replacement??!! On the first day of training, you feel like someone dropped you on the top of a mountain and told you to find your own way down. In other words, you have NO IDEA where to go or what they are talking about. Everything just sounds alien to you. It’s true. IRAs are a different world from the other accounts at your bank. Oh, they may look similar, but the rules, regulations and IRS reporting build the complications to the point where you feel like you are on falling off of a cliff!! And, just when you finally find your footing, they change the rules again! While it may take years to build a confidence level where you can answer almost any question thrown your way, the goal of these two days is to raise your comfort level if you are a rookie and to reinforce your knowledge if you have a higher level of experience. You will also receive your favorite “tool” – the 250-page 2018-2019 Sunwest Training Corp’s IRA Training and Reference Manual - which is not only full of easy-to-follow IRA information, but also lots of “Cheat Sheets” and “Quick Reference Tools” to get you through your day-to-day tasks of dealing with your IRA customers. This intensive 2-day format will help you pull it all together by helping you learn the following: 1. Understanding the Top 20 Basic Terms of IRAs. 2. Next we will review the most commonly used forms to create and complete IRA transactions.

(Since this is not vendor-form-specific, please bring a copy of your bank’s IRA Application form, Contribution Form, Distribution Form and Rollover Review or Rollover Certification Form as well as any other forms you may have questions on).

3. As the day goes on, you will pick up knowledge of the IRA plan types, Traditional, Roth and SEP. 4. On the second day of our hike, we will nail down the use of the proper terminology of “Rollover”

vs. “Transfer” when moving money from an employer plan to an IRA and from an IRA to an IRA – and the consequences if we don’t know the difference.

5. Health Savings Accounts – What’s our job and what’s the customer’s responsibility? 6. NEW How to report “late” or “tardy” rollovers on the 2018 5498. 7. And finally, you will better-learn and comprehend the complicated areas of IRA Distributions to

owners and beneficiaries and IRS reporting, resulting in a better picture of this complicated topic. Whether you are looking to gain basic knowledge of IRAs, raise your comfort level or sharpen your skills with the most up-to-date rules and regulations, this two day format will cover everything!

Navigating the Treacherous Trails of IRA IRA Basic and Advanced Issues (cont’d)

The agenda for each day is as follows:

Day 1: IRA Basic Issues

IRA Terminology – Top 20 Terms Explanation of IRA Forms (Not Forms Specific – (Please bring your own forms including Application,

Contribution form, Distribution, Rollover Review or Certification and any other commonly used forms)

Beneficiary Designations including Primary and Contingent, Trusts and Estates Qualifications, 2019 Contribution Limits and other new regulations for a:

Traditional IRA Roth and Conversion Roth SEP IRAs contributions and IRS reporting Health Savings Accounts – clarifying responsibility

Day 2: IRA Intermediate/Advanced Issues

2019 Cost of Living Adjustments and other IRS Legislative Updates Qualified Plan Rollovers to a Traditional or Roth IRA – 6 Red Flags

Direct vs. Indirect IRA to IRA Indirect Rollovers and Direct Transfers – Once-per-12-month rule clarifications and NEW RULES

on 60 day exceptions and reporting Distributions

Federal Income Tax Withholding Before age 59½ At age 70½ including mandatory notices 9 Biggest Mistakes of IRA Beneficiary Payouts Overview and Explanation of IRS Reporting Requirements

Who Should Attend? New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Accountholder

Service Representatives, Investment and Trust Personnel who are newly involved in the opening, selling, marketing, or administration of IRAs. Any officer/manager who "oversees" the IRA department and may be responsible for answering IRA accountholders questions or concerns but does not actually open IRA accounts. Experienced IRA Personnel who like a slower pace workshop to cover all the new changes in a comprehensive manner.

Each day can be attended independently but for the most comprehensive under-standing of the issues from A-Z, attending both days is recommended. The same book will be used for both days.

You are encouraged to bring a sample of the IRA forms your financial institu-tion is currently using including application, contribution and distribution form and rollover review or certification form.

Registration Fee □ Day One Only MBA Member ........ $275 □ Day Two Only MBA Member ........ $175 □ Both Days MBA Member .............. $375 □ Day One Only Non- Member ........ $550 □ Day Two Only Non-Member ......... $350 □ Both Non- Member $750 Payment □ Check, Payable to MONTANA BANKERS ASSOCIATION (MBA)□ Bill me MasterCard/Visa/Discover ~ Available only with your online registration

Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education)

Cancellation Deadlines March 1, 2019 is the deadline for full registration refund. If cancellation is after March 1, 2019 a $50 fee will be charged.

THE MBA GUARANTEE MBA guarantees the MBA IRA Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!

Registration Form

Yes, I want to attend Navigating the Treacherous Trails of IRAs March 26, 8:30 - 4:00 p.m. - IRA Basic Issues

March 27, 8:30 - 12:00 p.m. - IRA Intermediate/Advanced Issues

Bank/Firm Name______________________________Phone _______________Fax______________ Address______________________________________City/State/Zip__________________________ List Registrant(s)___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail

For questions or additional information, please contact: Pam O’Reilly, Association Services Director, at pam@montanabankers.com or 800/541-5126

March 26-27, 2019

Hilton Garden Inn 2465 Grant Rd.

Billings, MT

Seminar Instructor Patrice M. Konarik is president and founder of Sunwest Training Corp. located near Galveston, Texas. With over 25 years experience in the financial industry, Patrice has focused her expertise on the retire-ment and new account areas and is currently providing training in 22 states. She has a BS from New York’s Binghamton University and earned her Certified Financial Planner™ designation in 1990. Patrice brings the information to life with her humorous teaching style, in-depth knowledge and an unlimited sup-ply of "true life" examples.

Navigating the Treacherous Trails of IRAs

September 4 – 5, 2019 • Best Western Grant Creek, Missoula Presented By: Patrice Konarik, Sunwest Training Corp.

Navigating the Treacherous Trails of IRAs IRA Basic and Advanced Issues

Have you ever noticed sometimes when the IRA Guru leaves the financial institution it is without notice or training for a replacement??!! On the first day of training, you feel like someone dropped you on the top of a mountain and told you to find your own way down. In other words, you have NO IDEA where to go or what they are talking about. Everything just sounds alien to you. It’s true. IRAs are a different world from the other accounts at your bank. Oh, they may look similar, but the rules, regulations and IRS reporting build the complications to the point where you feel like you are on falling off of a cliff!! And, just when you finally find your footing, they change the rules again! While it may take years to build a confidence level where you can answer almost any question thrown your way, the goal of these two days is to raise your comfort level if you are a rookie and to reinforce your knowledge if you have a higher level of experience. You will also receive your favorite “tool” – the 250-page 2018-2019 Sunwest Training Corp’s IRA Training and Reference Manual - which is not only full of easy-to-follow IRA information, but also lots of “Cheat Sheets” and “Quick Reference Tools” to get you through your day-to-day tasks of dealing with your IRA customers. This intensive 2-day format will help you pull it all together by helping you learn the following:

Understanding the Top 20 Basic Terms of IRAs. Next we will review the most commonly used forms to create and complete IRA transactions.

(Since this is not vendor-form-specific, please bring a copy of your bank’s IRA Application form, Contribution Form, Distribution Form and Rollover Review or Rollover Certification Form as well as any other forms you may have questions on).

As the day goes on, you will pick up knowledge of the IRA plan types, Traditional, Roth and SEP. On the second day of our hike, we will nail down the use of the proper terminology of “Rollover”

vs. “Transfer” when moving money from an employer plan to an IRA and from an IRA to an IRA – and the consequences if we don’t know the difference.

Health Savings Accounts – What’s our job and what’s the customer’s responsibility? NEW How to report “late” or “tardy” rollovers on the 2018 5498. And finally, you will better-learn and comprehend the complicated areas of IRA Distributions to

owners and beneficiaries and IRS reporting, resulting in a better picture of this complicated topic.

Whether you are looking to gain basic knowledge of IRAs, raise your comfort level or sharpen your skills with the most up-to-date rules and regulations, this two day format will cover everything!

Navigating the Treacherous Trails of IRA IRA Basic and Advanced Issues (cont’d)

The agenda for each day is as follows:

Day 1: IRA Basic Issues

IRA Terminology – Top 20 Terms Explanation of IRA Forms (Not Forms Specific – (Please bring your own forms including Application,

Contribution form, Distribution, Rollover Review or Certification and any other commonly used forms)

Beneficiary Designations including Primary and Contingent, Trusts and Estates Qualifications, 2019 Contribution Limits and other new regulations for a:

Traditional IRA Roth and Conversion Roth SEP IRAs contributions and IRS reporting Health Savings Accounts – clarifying responsibility

Day 2: IRA Intermediate/Advanced Issues

2019 Cost of Living Adjustments and other IRS Legislative Updates Qualified Plan Rollovers to a Traditional or Roth IRA – 6 Red Flags

Direct vs. Indirect IRA to IRA Indirect Rollovers and Direct Transfers – Once-per-12-month rule clarifications and NEW RULES

on 60 day exceptions and reporting Distributions

Federal Income Tax Withholding Before age 59½ At age 70½ including mandatory notices 9 Biggest Mistakes of IRA Beneficiary Payouts Overview and Explanation of IRS Reporting Requirements

Who Should Attend? New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Accountholder

Service Representatives, Investment and Trust Personnel who are newly involved in the opening, selling, marketing, or administration of IRAs. Any officer/manager who "oversees" the IRA department and may be responsible for answering IRA accountholders questions or concerns but does not actually open IRA accounts. Experienced IRA Personnel who like a slower pace workshop to cover all the new changes in a comprehensive manner.

Each day can be attended independently but for the most comprehensive under-standing of the issues from A-Z, attending both days is recommended. The same book will be used for both days.

You are encouraged to bring a sample of the IRA forms your financial institu-tion is currently using including application, contribution and distribution form and rollover review or certification form.

Registration Fee □ Day One Only MBA Member ........ $275 □ Day Two Only MBA Member ........ $175 □ Both Days MBA Member .............. $375 □ Day One Only Non- Member ........ $550 □ Day Two Only Non-Member ......... $350 □ Both Non- Member $750 Payment □ Check, Payable to MONTANA BANKERS ASSOCIATION (MBA)□ Bill me MasterCard/Visa/Discover ~ Available only with your online registration

Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education)

Cancellation Deadlines August 15, 2019 is the deadline for full registration refund. If cancellation is after August 15, 2019 a $50 fee will be charged.

THE MBA GUARANTEE MBA guarantees the MBA IRA Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!

Registration Form

Yes, I want to attend Navigating the Treacherous Trails of IRAs September 4, 8:30 - 4:00 p.m. - IRA Basic Issues

September 5, 8:30 - 12:00 p.m. - IRA Intermediate/Advanced Issues

Bank/Firm Name______________________________Phone _______________Fax______________ Address______________________________________City/State/Zip__________________________ List Registrant(s)___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail

For questions or additional information, please contact: Pam O’Reilly, Association Services Director, at pam@montanabankers.com or 800/541-5126

September 4-5, 2019

Best Western Grant Creek 5280 Grant Creek Rd.

Missoula, MT

Seminar Instructor Patrice M. Konarik is president and founder of Sunwest Training Corp. located near Galveston, Texas. With over 25 years experience in the financial industry, Patrice has focused her expertise on the retire-ment and new account areas and is currently providing training in 22 states. She has a BS from New York’s Binghamton University and earned her Certified Financial Planner™ designation in 1990. Patrice brings the information to life with her humorous teaching style, in-depth knowledge and an unlimited sup-ply of "true life" examples.

Navigating the Treacherous Trails of IRAs

March 28 - 29, 2019 • Best Western Great Northern, Helena Presented By: Patrice Konarik, Sunwest Training Corp.

Navigating the Treacherous Trails of IRAs IRA Basic and Advanced Issues

Have you ever noticed sometimes when the IRA Guru leaves the financial institution it is without notice or training for a replacement??!! On the first day of training, you feel like someone dropped you on the top of a mountain and told you to find your own way down. In other words, you have NO IDEA where to go or what they are talking about. Everything just sounds alien to you. It’s true. IRAs are a different world from the other accounts at your bank. Oh, they may look similar, but the rules, regulations and IRS reporting build the complications to the point where you feel like you are on falling off of a cliff!! And, just when you finally find your footing, they change the rules again! While it may take years to build a confidence level where you can answer almost any question thrown your way, the goal of these two days is to raise your comfort level if you are a rookie and to reinforce your knowledge if you have a higher level of experience. You will also receive your favorite “tool” – the 250-page 2018-2019 Sunwest Training Corp’s IRA Training and Reference Manual - which is not only full of easy-to-follow IRA information, but also lots of “Cheat Sheets” and “Quick Reference Tools” to get you through your day-to-day tasks of dealing with your IRA customers. This intensive 2-day format will help you pull it all together by helping you learn the following: 1. Understanding the Top 20 Basic Terms of IRAs. 2. Next we will review the most commonly used forms to create and complete IRA transactions.

(Since this is not vendor-form-specific, please bring a copy of your bank’s IRA Application form, Contribution Form, Distribution Form and Rollover Review or Rollover Certification Form as well as any other forms you may have questions on).

3. As the day goes on, you will pick up knowledge of the IRA plan types, Traditional, Roth and SEP. 4. On the second day of our hike, we will nail down the use of the proper terminology of “Rollover”

vs. “Transfer” when moving money from an employer plan to an IRA and from an IRA to an IRA – and the consequences if we don’t know the difference.

5. Health Savings Accounts – What’s our job and what’s the customer’s responsibility? 6. NEW How to report “late” or “tardy” rollovers on the 2018 5498. 7. And finally, you will better-learn and comprehend the complicated areas of IRA Distributions to

owners and beneficiaries and IRS reporting, resulting in a better picture of this complicated topic. Whether you are looking to gain basic knowledge of IRAs, raise your comfort level or sharpen your skills with the most up-to-date rules and regulations, this two day format will cover everything!

Navigating the Treacherous Trails of IRA IRA Basic and Advanced Issues (cont’d)

The agenda for each day is as follows:

Day 1: IRA Basic Issues

IRA Terminology – Top 20 Terms Explanation of IRA Forms (Not Forms Specific – (Please bring your own forms including Application,

Contribution form, Distribution, Rollover Review or Certification and any other commonly used forms)

Beneficiary Designations including Primary and Contingent, Trusts and Estates Qualifications, 2019 Contribution Limits and other new regulations for a:

Traditional IRA Roth and Conversion Roth SEP IRAs contributions and IRS reporting Health Savings Accounts – clarifying responsibility

Day 2: IRA Intermediate/Advanced Issues

2019 Cost of Living Adjustments and other IRS Legislative Updates Qualified Plan Rollovers to a Traditional or Roth IRA – 6 Red Flags

Direct vs. Indirect IRA to IRA Indirect Rollovers and Direct Transfers – Once-per-12-month rule clarifications and NEW RULES

on 60 day exceptions and reporting Distributions

Federal Income Tax Withholding Before age 59½ At age 70½ including mandatory notices 9 Biggest Mistakes of IRA Beneficiary Payouts Overview and Explanation of IRS Reporting Requirements

Who Should Attend? New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Accountholder

Service Representatives, Investment and Trust Personnel who are newly involved in the opening, selling, marketing, or administration of IRAs. Any officer/manager who "oversees" the IRA department and may be responsible for answering IRA accountholders questions or concerns but does not actually open IRA accounts. Experienced IRA Personnel who like a slower pace workshop to cover all the new changes in a comprehensive manner.

Each day can be attended independently but for the most comprehensive under-standing of the issues from A-Z, attending both days is recommended. The same book will be used for both days.

You are encouraged to bring a sample of the IRA forms your financial institu-tion is currently using including application, contribution and distribution form and rollover review or certification form.

Registration Fee □ Day One Only MBA Member ........ $275 □ Day Two Only MBA Member ........ $175 □ Both Days MBA Member .............. $375 □ Day One Only Non- Member ........ $550 □ Day Two Only Non-Member ......... $350 □ Both Non- Member $750 Payment □ Check, Payable to MONTANA BANKERS ASSOCIATION (MBA)□ Bill me MasterCard/Visa/Discover ~ Available only with your online registration

Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education)

Cancellation Deadlines March 1, 2019 is the deadline for full registration refund. If cancellation is after March 1, 2019 a $50 fee will be charged.

THE MBA GUARANTEE MBA guarantees the MBA IRA Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!

Registration Form

Yes, I want to attend Navigating the Treacherous Trails of IRAs March 28, 8:30 - 4:00 p.m. - IRA Basic Issues

March 29, 8:30 - 12:00 p.m. - IRA Intermediate/Advanced Issues

Bank/Firm Name______________________________Phone _______________Fax______________ Address______________________________________City/State/Zip__________________________ List Registrant(s)___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail

For questions or additional information, please contact: Pam O’Reilly, Association Services Director, at pam@montanabankers.com or 800/541-5126

March 28-29, 2019

Best Western Great Northern 835 Great Northern Blvd.

Helena, MT

Seminar Instructor Patrice M. Konarik is president and founder of Sunwest Training Corp. located near Galveston, Texas. With over 25 years experience in the financial industry, Patrice has focused her expertise on the retire-ment and new account areas and is currently providing training in 22 states. She has a BS from New York’s Binghamton University and earned her Certified Financial Planner™ designation in 1990. Patrice brings the information to life with her humorous teaching style, in-depth knowledge and an unlimited sup-ply of "true life" examples.

Seminar Description

Well-trained new account personnel and universal bankers who recognize and stop attempted fraudulent activity are the first line of defense in protecting

a financial institution. This workshop encompasses every aspect of account opening – from personal accounts, court ordered, Trusts, simple business to

the challenges of more complicated layered business structures. Participants gain confidence and a clear understanding of the regulatory, compliance,

documentation, and state law requirements for every ownership offered. Suzie Jones, CFP® brings technical information to life with her engaging

training style, in-depth technical knowledge, and passion for empowering new account representatives with the skills and tools to protect their

organizations while at the same time providing quality customer service.

The 100+ page training manual is customized to your state law and has become known as the "technical reference handbook" for new account

departments across the country.

Day 1 – What You Will Learn

Six Requirements For Opening Any New Account TIN Compliance – When to Use SSN vs. EIN In-House vs. Out of House Documents Proper Business Account Documentation and Resolutions:

Sole Proprietorships General and Limited Partnerships LP and LLP Registered LLP LLC Corporations and Close Corporations Professional Association and Corporation Escrows, Non-Profit Associations/Organizations, IOLTA Public or Governmental Units How to handle business account ownership changes -what documents are needed when asked to delete a partner or member, company name

changes, entities merger, owner/partner dies… Opening Personal Accounts:

Understanding the Importance and Far-Reaching Estate Ramifications of “Checking a Box” on a Signature Card Individual Joint With Rights of Survivorship Tenants-In-Common Without Rights of Survivorship

Adding Authorized Signers or Agents to Personal or Business Accounts Who has Access at Death on a Personal or Business Account? Beneficial Owner Requirements - FinCen - New Customer Due Diligence

Layered Business Structures Beneficial Owner Verification

Power of Attorney – In-House vs. Statutory POA

Day 2 – What You Will Learn Fiduciary Accounts Benefits of a Trust Opening Trust Accounts

Formal vs. Informal Revocable vs. Irrevocable Living Trusts Trust Account Certification

Changing signers on Trust Accounts Payable on Death, In Trust For “ITF” Opening Accounts For Minors

Single Account In Minor’s Name, Joint Account With a Minor, Uniform Transfer To Minors Accounts

Court Ordered Accounts: Estate, Guardianship Conservatorship

Social Security Representative Payee

Who Should Attend New Accounts Representatives, Branch Managers, Assistant Branch Managers, Branch Administration, Deposit Operations, BSA CIP Personnel, Training, and anyone who works in or manages the new account function. Excellent for supervisors or officers who have recently assumed the responsibility of the new account area but perhaps have never worked in new accounts. Internal Auditors and Compliance Officers will also find the

information exceptionally beneficial.

New Accounts TWO-DAY OPENING NEW ACCOUNTS

DOCUMENTATION AND COMPLIANCE WORKSHOP

April 30 and May 1, 2019 • Hilton Garden Inn, Billings May 2-3, 2019 • Best Western Grant Creek, Missoula

New Accounts Legal Issues of New Account

Documentation and Compliance

Full Registration Fee □ MBA Member - Both Days .................... $375 □ MBA Member - Day One Only ............... $275 □ MBA Member - Day Two Only ............... $175 □ MBA Non-Member - Both Days ............. $750 □ MBA Non-Member - Day One Only ....... $550 □ MBA Non-Member - Day Two Only ....... $350

Payment □ Check, Payable to MBA. □ Bill me MasterCard/Visa/Discover/AMEX ~ (Available only with your online registration)

Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association, 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education)

Hotel Reservations Call 406/655-8800 to make your hotel reservations at the Hilton Garden Inn, 2465 Grant Road, Billings by April 4, 2019. Or call 406//532-0700 to make your hotel reservations at the Best Western Grant Creek, 5280 Grant Creek Rd., Missoula, by April 4, 2019. Mention the MBA Seminar and get our special discounted rate, based on group availability. Cancellation Deadlines April 19, 2019, is the deadline for full registration refund. If cancellation is after April 19, 2019, a $50.00 fee will be charged.

THE MBA GUARANTEE MBA guarantees the MBA New Accounts Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!

Registration Form

Yes, I want to attend New Accounts April 30 & May 1, 2019 • Hilton Garden Inn, Billings

May 2-3, 2019 • Best Western Grant Creek, Missoula

Bank/Firm Name______________________________Phone _______________Fax______________ Address_____________________________________City/State/Zip___________________________ List Registrant(s) ___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail

For questions or additional information, please contact: Montana Bankers Association, at 800/541-5126 or pam@montanabankers.com

Seminar Instructor

Suzette (Suzie) Jones, CFP® is the managing member of Training Resources Consulting, L.L.C. located in Houston, Texas. With over 40 years of experience in the financial industry, Suzie has focused her technical expertise on new accounts risk management. Suzie served as an Executive Vice President at a $50B financial organization where she was an active member and leader of the AML, BSA, Personal/Corporate Product Risk Committees. She holds the Certified Financial Planner (CFP®) professional designation.

April 30

Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 4:00 p.m.

May 1

Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 11:30 a.m.

April 30 & May 1, 2019 Hilton Garden Inn 2465 Grant Road

Billings, MT 406/655-8800

May 2-3, 2019 Best Western Grant Creek

5280 Grant Creek Rd. Missoula, MT 406/543-0700

May 2

Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 4:00 p.m.

May 3

Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 11:30 a.m.

Registration Form

Yes, I want to attend one or two or three May Conference Classes May 14, 15, 16, 2019 • Best Western Plus Gran Tree, Bozeman

Bank/Firm Name______________________________Phone _______________Fax______________ Address____________________________________ City/State/Zip___________________________ List Registrant(s) ___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail

PICK WHICH CLASS OR CLASSES YOU WANT TO ATTEND:

□ BSA/AML □ Deposit Compliance □ Physical Security

(May 14) (May 15) (May 16) Registration Fee □ MBA Member One Day $275 □ MBA Member Two Days $375 □ MBA Member Three Days $475 □ Non Member One Day $550 □ Non Member Two Days $750 □ Non Member Three Days $950 (Discounts available for sending more than 3 attendees) Payment □ Check, Payable to BANCSERVE, Inc. □ Bill me MasterCard/Visa/Discover /AMEX~ Available only with your online registration

Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association, 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education) Hotel Reservations Call 406/587-5261 to make your hotel reservations at the Best Western Plus Gran Tree, Bozeman, MT. Mention the Montana Bankers Association and get our special discounted rate based on group availability. Cancellation Deadlines Cancellations before May 2, 2019 will receive a full refund. A $50 processing fee will be charged for any cancellations after May 2, 2019. THE MBA GUARANTEE MBA guarantees our live education programs will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!

For questions or additional information, please contact: Pam O’Reilly, Association Services Director, at 800/541-5126 or pam@montanabankers.com

SIGN UP FOR ALL THREE

* BSA/AML (May 14) * Deposit Compliance (May 15)

* Physical Security (May 16)

Best Western Plus Gran Tree, Bozeman 1325 N. 7th Avenue

406/587-5261