June 11-13, 2015 Snow King esort, Jackson, WY …...tRvR ctI ukon i “ Steve serves as President of...

Wyoming Bankers Association March 2015

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Upcoming Live ConferenceslSeminarsjWorkshopslConvention* 2016 WBA Credit Conference - April 29-30, 2015 - amada Plaza, Sillette, WY* 2015 Legal Issues of New Account bocumentation - May 5, 2015 - Best Western Pamkota Hotel, Casper, WY* 2015 WBA Agricultural Bankers Conference - May 14-15, 2015 - Jeffrey Center, awlins, WY* 2015 MT/WY Bankers Convention - June 11-13, 2015 - Snow King esort, Jackson, WY

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Certifications‘ SBS institute Certification Program

Schools‘ GSBUMW: March Weblnar Catalog

ABA Traininq‘ Online Training: Facilitated & Self-Paced

‘Brochure encinsed - Cail Cheryl for mnre information at 307/838-50DB - Visit our Web site at www.wynminqbankers.com for the most current education brochure.

The Wyoming Bankers Association has scholarship opportunities avaliabie with the PCBS and GSBC,A. Contact Cheryi at 307-638-5008 or [email protected] for more information.

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April 29-30, 2015kednesdag—Thursdag

Ramada Plaza (formerly the Clarion Inn)

2009 S. Douglas Hwy.Gillette, Wyoming

Wednesday, April 29. 2015

7:30 a.m. Registration & Continental Breakfast— Otd C4icajoSpon6wted 6y c’ttne’,33aveno, £etdu&& £ qavdiotr, !13e,we’-, C(9

8:00 a.m. Welcome Remarks— Od e4icaqoWBA Credit Committee Chairman: Bob McBride, Fimt Northern Bank of WY, BuffaloMichael Geesey, Executive Director, Wyoming Bankers Association, Cheyenne

8:10 - 9:00 a.m. “Bitcoin: Digital Dollars or Counterfeit Currency”It’s like money, highly controversial, used for the purchase of anything like cars, homes, drugsand other illegal things. It’s not country backed, it’s anonymous and becoming popular acrossthe planet. In this session, the history, uses and dangers of Bitcoin will be discussed.Steve Stasiukonis, PresidentSecure Network Technologies, Syracuse-NY

9:00 - 10:00 a.m. “Maiware, Mules & Money”Financial Crimes using the Internet have dramatically increased. The use of crime-wareapplications like Zeus, Phoenix, Spy-Eye and Citadel have reaped havoc against bankinginstitutions and their customers. Security Consultants from Secure Network will explain howthese applications in combination with social engineering and hacking techniques are leveragedagainst you and your bank. The presentation will cover actual cases that involved these applications as well as explain in detail how the crimes were committed. Additional content includes:• What is the crime-ware tool kit comprised of.• How the crime-ware kit delivers the maiware needed to infiltrate systems.• How spam and phishing emails can lead to identity and financial loss• How the compromised systems are tracked by the hacker.• How authentication controls of the victim are compromised.• How compromised authentication is used to move money.• How money mules are recruited• How money mules collect and transfer stolen funds.• What you need to know to not become a victim.Steve Stasiukonis, President continues

10:00 -10:15 a.m. Refreshment Break in Exhibit Area

10:15 -12:00 noon “The Next 2-3 Years in Community Banbing”This session will tackle the question: What do we do now? What are the forces that will drivebank performance, interest income, fee income, risk management and product offerings? Boardsand Management teams will be required to address these issues, while operating under increasedregulatory supervision. A key question is can we lend money again? The short answer isyes, but under new rules.David Kemp, PresidentBankers Management, Inc., McDonough-GA

12:00 noon Lunch with time to visit the Exhibitors — 7wrca4. eaa1 .Afanie &an ?am, Sea/tie wa (Jiiadaate Scfwo/ it ec, g&ie C(9 ‘n€ .Ieatie, t?A9

1:30 -3:30 p.m. “Current Best Practices for Loan Portfolio Management”This session will focus on the role of the three parties with responsibility for the loan portfolio. The Board,Management and Regulators share responsibility for the management of asset quality. These groupsare responsible for policy, deal making and audits for the portfolio. In order for the Board to perform itsduties, Management ipust provide key reports:• Concentration • Segmentation

• Past Due • Non-Performing• New Loans • Reserves

David Kemp, President continues

3:30 —3:45 p.m. Refreshment Break in Exhibit Area

Wednesday, April 29, 2015 Continued

3:45 - 4:30 p.m. “Opportunities and Responsibilities for the Wyoming StateTreasurer”Mark Gordon, Wyoming State TreasurerState of Wyoming, Cheyenne-WY

4:30 - 6:00 p.m. RECEPTION IN EXHIBIT AREAuikceptiw &t-Spened Cent’tat Stateo (9 (9nudia cC l)cwio and Catwn, £A?.P., Sñeridsm

evening Dinner on your own

Thursday, April 30, 2015

7:00 - 8:00 a.m. Breakfast Buffet - Included with Ramada Room purchase & pro vided for others-Ilold Rogtuwa,..l

8:00 - 9:15 a.m. “On the Economic, Political and Business Climate”In this session, Dr. Roger Tutterow provides a timely overview of the current national, regionaland local economic environments. The focus will be on the ongoing recovery from the mostrecent recession including the end of the “credit crunch” and the early stages of the recovery inthe residential and commercial real estate markets.Special emphasis will be placed the linkages between the real estate markets and recentchallenges in the banking sector, the effect of changes in the competitive landscape on bankprofitability and performance, implications of developments in agricultural markets for lendingin rural areas, the impact of energy prices and exploration on the regional economy, the outlookfor consumer spending and the retail sector, and the implications of ongoing changes in thepolitical and regulatory climate for the financial services industry.Dr. Roger Tutterow, Professor of EconomicsKennesaw State University, Macon-GA

9:15 - 10:15 a.m. “The Energy Roller Coaster”Cary will discuss World, U.S., and Wyoming oil and natural gas markets, trends andopportunities.Cary Brus, Senior Vice PresidentNerd Gas, Casper-WY

10:15 - 10:45 a.m. Refreshment Break in Exhibit Area

10:45 -12:00 noon “After Dodd-Frank, Basel Ill, Volcker Rule, and the ConsumerBureau, How Do Banks Fulfill Their Traditional Role?”Recent Congresses and the regulators have been piling on the mandates thick and fast. They allseem to have forgotten, at least for a time, just why Congress and the state legislatures created abanking system. But the need for banks in the economy is still there, with our economic recovery weakened by regulatory suppression of banking activity. Is that changing? Are policymakers coming to recall why banks are essential to a prosperous modern economy? We will discusssome things that a united banking industry is doing to remind them so that banks can serve thegrowing needs of our customers, as we have for nigh on two centuries.Wayne Abernathy, EVP for Financial Institutions Policy & Regulatory AffairsAmerican Bankers Association, Washington DC

12:00 noon Adjourn

Diane Johnston, [email protected] Doherty, [email protected] Materi, [email protected]

-Wolters Kluwer Financial Services (Bankers System), Sandy UT9660 Altamont Drive Scott Smith, [email protected], UT 84092 Bill Branca, [email protected]

-Wyoming Business Council, Cheyenne WY214 West 15th Street Ryan Whitehead, ryan.whiteheadwyo.govCheyenne, WY 82002 Dave Spencer, [email protected]

-Wyoming Entrepreneur-SBDC, Gillette WY2001 West Lakeway Road, Suite D Susan Jerke, sjerkeuwyo.eduGillette, WY 82718

-Wyoming Smart Capital Network, Laramie WYP.O. Box 756Laramie, WY 82073

2014-15 Credit Conference CommitteeChairman: Bob McBride, First Northern Bank of WY-BuffaloVice Chairman: Matthew Kukowski, Platte Valley Bank-Wheatland

2015 Conference Exhibitors:-SPC, (Security Products Company — formally BlacbhawI Security), Riverton WY

509 South Federal Blvd. Dan Burden, [email protected] 307/857-1818Riverton, WY 82501

-Graduate School of Banking at Colorado, Boulder CO3215 Marine Street, W198, UCB 411 Josie Bunch, jbunch(gsbcolorado.org 800/272-5138Boulder, CO 80309

-Manufacturing-Works, Laramie WYDept. 3362, 1000 E. University Ave. Matt Melinkovich, [email protected] 307/766-4811Laramie, WY 82071 Shane Miller, sniille82uwyo.edu

-USDA Rural Development-Business/Cooperative Programs, Casper WY100 E “B” Street, Room 1005 Timothy Brooks, timothy.brookswy.usda.govCasper, WY 82602 William Cownover, william.cownoverwy.usda.gov

307/233-6716 Deb Anderson, debra.andersonwy.usda.gov-WIDC Frontier CDC, Casper WV

232 E. 2nd Street, Suite 300 307/234-5351Casper, WY 82601

807/703-3467

307/777-2882

307/682-5232

877/255-3938Diane Wolverton, [email protected] Huston, [email protected]

Cory Albers, Wyoming State Bank-CheyenneBeau Covert, Platte Valley Bank-CasperPaul Irish, First Interstate Bank-LaramieJon Boulanger, ANB Bank-CasperAaron Courtney, ANB Bank-Cheyenne

LeaAnn Jones, Sundance State BankDenise Newell, Central Bank & Trust-CheyenneSteve Hartwell, Bank of Star Valley-AftonBill Rogers, Jonah Bank of Wyoming-CasperScott Vasko, Points West Community Bank-Pine Bluffs

SPedker FicstRvR ctIukoni “ Steve serves as President of Secure Network Technologies, focusing on Penetration Testing,

Information Security Risk Assessments, Incident Response and Digital Investigations. Steve Stasiukonis has worked in the field of Information Security for over fifteen years, specializing in the use oftechnology to identify information security vulnerabilities, assessing risk and the collection and interpretation of digital network intelligence. As a part of that experience, Steve is an expert in Social Engineering. He is listed in Wikipedia as one of the most notable Social Engineers and has written anddemonstrated actual social engineering efforts involving pretexting, phishing and physically compro

i mising banks, data centers and other highly secure operations and facilities. Steve carries numeroussecurity certifications by various organizations and also serves as a columnist for Information Week

magazine and DarkReading.

1vid J. Itmp David L. Kemp is President of Bankers Management, Inc. (BMI), formerly The ManagementGroup. BMI is a nationally recognized company in financial services training and bank consulting.Prior to forming BMI, he served as Vice President, Director of Credit Services for Cannon LendingSchools, as well as through Banking Association sessions for individual financial institution. Education includes: Bachelor of Science, Math/Physics, Morris Brown College, Atlanta, Georgia; GraduateStudies: Accounting, Corporate Finance, Georgia State University, Atlanta, Georgia; and GraduateStudies: Capital Markets, Corporate Finance; Harvard University, Cambridge Massachusetts. Mr.Kemp has more than Thirty years of management experience in consulting, training credit administration and new business development. Before joining Cannon, Mr. Kemp was Vice President Corporate Finance with Citicorp North America. He was responsible for Marketing Investment and

Commercial Banking Services throughout the southeast. His areas of expertise include commercial lending, consumerlending, portfolio management, real estate lending, workouts, and director responsibilities. While with Citicorp, Mr.Kemp was assigned to serve as Senior Credit Officer, specializing in financing retail companies. He managed a workoutprocess that saved more than twenty million dollars in planned charge-offs. Prior to joining Citicorp, Mr. Kemp was aBranch Manager and Commercial Lender for First National Bank of Atlanta and Citizens and Southern National Bank. Inadditional to his banking background, he served as a consultant to small businesses in the area of finance, operations,marketing and sales. Mr. Kemp serves as a visiting professor and guest lecturer to many colleges and universities. He ispast chairman of the Downtown Development Authority (City of Atlanta’s Board that owns the Underground AtlantaProject.) He is also past president of the Atlanta Urban Bankers Association.

cEr. Roger Tuttrow Roger Tutterow is Professor of Economics at Kennesaw State University. He previouslyserved as Dean of the Mercer’s Stetson School of Business. His analysis of the economic, business andpolitical environments have been featured in a variety of media including Wall Street Journal, FinancialTimes, USA Today, Atlanta Journal & Constitution, Arizona Republic, Florida Times-Union, Kansas CityStar, Los Angeles Times, New York Times, Orlando Sentinel, Palm Beach Post, Wichita Eagle and onCNN, CNBC, NBC, Bloomberg Television, NPR “Marketplace” and “All Things Considered”, CNN-Radio as ll as by regional electronic and print media. In addition to his work in academia, Dr. Tutterow has served as a consultant on financial economics and statistical modeling for corporate clientsranging from Fortune 500 companies to closely-held businesses. He also serves as Chief Economic Advisor for the Henssler Financial Group. He has provided expert testimony on economic, financial and statistical matters in state & federal court, before the Georgia General Assembly and before the Georgia Public

Service Commission. Dr. Tutterow has given several hundred speeches to professional and civic groups on various topics inthe economic, business and political arenas. He was selected as one of “Georgia’s Most Influential” by James magazine andby Georgia Trend magazine as one of the “forty under 40” rising stars in business, government and academia. In 2003, Georgia Governor Sonny Perdue appointed Dr. Tutterow to serve on the Governor’s Council of Economic Advisors. In 2010, hewas named to the Special Council on Tax Reform and Fairness for Georgians. In addition, Dr. Tutterow serves as a memberof on the Georgia Child Support Commission, on the Board of Trustees of Berry College, the Board of Directors of Vinings

the Southern Region Board of Directors for the American Red Cross Blood Services and the Board of Directors for ConsumerCredit Counseling Service of Atlanta. A Georgia native, Dr. Tutterow holds a B.S. in Decision Science from Berry Collegeand a M.A. and Ph.D. in Economics from Georgia State University. Prior to joining Mercer University, Dr. Tutterow held faculty and administrative appointments at West Virginia University, Georgia State University and Kennesaw State University.He has also served as a visiting professor at the University of the West Indies in Trinidad and at the Institute for IndustrialPolicy Studies in Seoul, South Korea.

C8rg 3ru - Cary Brus, is the Sr. V.P ofNerd Gas Company LLC, an energy investment company headquartered inCasper, Wyoming. He is proud to be a Cowboy from the University of Wyoming with a B.S. Geology —

U.W. (1981), M.B.A. in Finance — U.W. (1987) and the Stonier Graduate School of Banking (1992). Carystarted oil and gas lending departments at First Wyoming Bank and the Sturm Bank Group over a 14 yearperiod, from 1986 to 2000. He joined Mick McMurry in 2000 at Nerd Gas Company, one of Wyoming’sleading energy investment and entrepreneur companies. He manages the Nerd Gas interests in oil and gasexploration, uranium exploration, equipment rental and sales, aviation, IT and methane conversion projects. He is a founding owner and Board Chairman of Jonah Bank of Wyoming, chartered in 2006.

- Cary and Karen have 3 sons.

Mark ordon - Mark Gordon is currently serving as Wyoming Treasurer. He was appointed to complete the term ofthe late Joe Meyer who passed away in October 2012. As Treasurer, Mr. Gordon’s principal duty is:0 safeguard and invest all the funds of the state. He serves as Administrator for the Wyoming State

Asset Reserve (WYO-STAR), and Wyoming Unclaimed Property. He also serves oneight boards and commissions: the Board of Deposits, Board of Land Commissioners, FinancialAdvisory Council, State Building Commission, State Canvassing Board, State Loan and InvestmentBoard, Wyoming Community Development Authority, and the Wyoming Retirement Board of Directors. Previously Treasurer Gordon served on the board of the Federal Reserve Bank of KansasCity (10-J) as a Class B Director, The Wyoming Wildlife and Natural Resource Trust Board, theJohnson County District 1 K- 12 School Board, and on the board of the Nature Conservancy of Wyoming. He has served as vice chair for the Wyoming Stock Growers Tax Committee. He continues

to serve as president of the Willow Park Reservoir Company, on the Board of Volunteers of America Northern Rockies,and on the board of the Ucross Foundation. He is a member of Rotary and Elks. He and his wife, Jennie, own and operatebusinesses and ranches in Buffalo and Kaycee, Wyoming. Mr. Gordon graduated from Middlebury College in 1979 with aBA in History. He grew up on the family ranch west of Kaycee and settled on his own in 1988. He has had agriculturaloperations in Johnson, Sheridan, and Campbell counties. His home ranch received the 2009 Excellence in Range Stewardship award from the Society for Range Management. His experience reaches to agriculture, mineral development, tourism,finance, recreation, and politics. He and his wife have four grown children: two sons and two daughters.

Wgnci (1. ‘(1bgmthg — Wayne A. Abernathy joined the American Bankers Association in February of 2005, andserves as Executive Vice President for Financial Institutions Policy and Regulatory Affairs. Mr. Aber

I nathy oversees ABA groups that deal with policy development, regulatory and compliance issues,bank supervision and resolution, securities and investment, derivatives policy, and risk management.Before joining ABA, Mr. Abernathy served two years as Treasury Assistant Secretary for FinancialInstitutions under President George W. Bush, receiving the Alexander Hamilton Award in recognition of his service. In that office he was also a member of the Board of Directors of the SecuritiesInvestor Protection Corporation. Prior to his work in the Treasury, Mr. Abernathy served as StaffDirector of the Senate Banking Committee, under Chairman Phil Gramm. Previous experiencewith the Senate Banking Committee includes serving as Staff Director of the Subcommittee on

Securities during 1995-1998. From 1989 until 1994, Mr. Abernathy was a Republican economist for the committee. Hepreviously worked as a senior legislative assistant for Senator Gramm during 1987-1989 and as an economist for theBanking Committee’s Subcommittee on International Finance and Monetary Policy during 1981-1986. Mr. Abernathyearned his bachelor’s degree in International Studies from The Johns Hopkins University in 1978. In 1980, he received amaster’s degree in International Studies from the School of Advanced International Studies of The John Hopkins University.

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WBA Wyoming Bankers Association PresentsLEGAL ISSUES OF NEW ACCOUNT DOCUMENTATION AND COMPLIANCE

A full day comprehensive workshopTuesday, 1Iay 5, 2015 — Best Westeri. Itarnkota hotel - Casper

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

Seminar DescriptionThe facts are in! Many financial institutions are increasingly taking more losses in the new account area thanin the loan area. The reason — not recognizing fraudulent accounts! Too often new account personnelreceive twenty minutes of training before opening their first account. Most of the expertise is gained “on thejob” which results in an environment of insecurity and vulnerability for new account representatives andunnecessary losses for the financial institution. With all the new compliance regulations, it seems like we arenow conducting New Account “Interrogations” rather than New Account “Interviews”! This full day annualreview teaches new account personnel; proper account opening procedures and compliance requirements;the five crucial pieces of information including proper identification and the correct TIN for every newaccount; the four fundamental questions that should be asked of every potential accountholder:

1. Who owns the funds in the account?2. Who has access to the funds in the account?

3. What is the purpose of the account?4. If a business account: What type of

legal entity is this?

The seminar manual, which is customized to your state’s law, has become known as the “technicalreference handbook” for new account departments across the country.

What You Will Learn• Understanding Signature Card Contracts and the Consequences• TIN Compliance - including SSN vs. EIN and W-9 vs. W-8BEN• Proper Business Account Documentation and Resolutions for:

• Sole Proprietorships, General and Limited Partnerships, Corporations; LLC and LLP Entities• Negotiating checks made payable to a business

• Non-profit Associations and Charitable Organizations• Proper Account Opening Procedures and Required Documentation for:

• Individual Accounts; Individual Accounts Authorized Signers or Agents• Joint Accounts With Rights of Survivorship and Tenants-In-Common Without Rights of

Survivorship• Power of Attorneys - In House Form and Out-of-House Form• Formal Trust Accounts - Living Trusts; Revocable and Irrevocable• Informal Trust Accounts - POD and Revocable Trust Accounts• Uniform Transfer To Minors Act Accounts;• Estate Accounts: Deceased Accountholders and Guardianships

Who Should AttendAll customer contact personnel, supervisors and officers whose responsibilities include opening or managing newaccounts and certificates of deposit. Excellent for supervisors or officers who have recently assumed the responsibilityof the new account area but have never actually worked in new accounts. Internal Auditors and Compliance Officerswill find the information exceptionally beneficial as well.

Seminar InstructorPatrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas HillCountry near San Antonio. With over 30 years of experience in the financial industry, Patrice has focused her expertiseon the retirement and new account areas. In almost 20 states, Patrice is considered the top resource for live IRA trainingseminars and Webinars for thousands of bank and credit union employees each year. She has a BS in ManagementScience from New York’s Binghamton. Patrice has a “down-to-earth,” humorous training style and encouragesinteraction during the training sessions.

VVBA Wyoming Bankers AssociationPresents

LEGAL ISSUES OF NEW ACCOUNT DOCUMEIffA11ON ANDOMPUANCE

A full day comprehensive workshopniuesday, May 5 2015 — Ilest Western ltaaiakota Hotel - Casper

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

Registration Formjst Registrant:List registrant and title:

Bank/Firm Name Phone__________________Address (P0 Box) FAX_________________CitylStatelZip

Email Address

* *** * * * * * ** *** ***** ******* **

2 Registrant from the same location/same address: (copy this form for additional regis.)List registrant and title:

Bank/Firm Name Phone_____________________Address (P0 Box) FAX_________________City/State/Zip

Email Address

REGISTRATION FEE: $235 for the rt registrant$209 for each additional registrant from same location-address).voming Ban/cs must be WBA Members. Non-Member fee $470

PAYMENT OPTIONS:• Payment by Check: mail in • Send Invoice: fax registration to 307/638—501• Send Invoice: Email registration to [email protected]• Online registration is currently under construction — contact Jen (638-5008) to pay with credit card.

OVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees. A block of roomshas been reserved for 5/4 at the Ramkota Hotel — Casper @ 800 North Poplar Street, Casper,307/266-6000. Be sure to ask for the room rate of $79.99 under the Wyomina Bankers Assoc. RoomBlock. Room block expires APRIL 20, 2015.

CANCELLATION POLICY: No refunds will be made after APRIL 20, 2015’—all cancellationsprior to 4/20 are subject to a $25 cancellation charge. Substitutions may be made at any time.REGISTRATION DEADLINE — APRIL 20, 2015. An additional $25 cancellation fee applies to allcredit card registrations regardless of date.

MAIL THIS FORM AND CHECK TO: Wyoming Bankers Association,P.O. Box 2190,Cheyenne, WY 82003307/638-5008 FAX 307/638-5013


presents

2015 AGRICULTURALBANKERS

CONFERENCE

May 14-15, 2015(Thursdag

-Frtdag)

Jeffrey Memorial Community Center315 West Pine StreetRawlins, Wyoming

Golf Tournament Wednesday, May 13, 2015 - Rochelle Ranch Golf Course,2808 E. Roeheile Drive - 12:00 p.m. start. See Registration Form.

Thursday, May 14, 2015 - JEFFREY MEMORIAL COMMUNITY CENTER

7:15 a.m. Registration & Continental Breakfast

7:45 a.m. Welcome RemarksWBA Ag Committee Chairman: Stephanie Arnold, Bank of Commerce, Rawlins

(Invited) WBA President, Gregg Jones, Branch President, Jonah Bank of Wyoming, Cheyenne

8:00—10:00 a.m. “What’s Driving Agriculture in the Year Ahead”Get ready to laugh and learn with Mike Pearson as he takes you on an entertaining journey — a look ahead atthe outlook for the farm markets—and global trends impacting these markets.Farmer, banker, and Market To Market host Mike Pearson keeps viewers informed as host of the“Weekly Journal of Rural America.”

Mike grew up on a farm in central Iowa, where they raise grain and livestock.

Mike Pearson, HostMarket to Market, Des Moines, Iowa

10:00 -10:30 a.m. Refreshment Break - Sponsored by Central States of Omaha

10:30 -11:30 a.m. “Agricultural Commodities Price Outlook”Emphasis will be placed on major factors in the cattle, sheep and hay markets. What is happening withdomestic supply? What are current demand conditions? How are export markets impacting prices? What isthe price outlook for the remainder of 2015? Other ag commodities may be addressed but with less detail.Dillon Feuz, ProfessorApplied Economics, Utah State University, Logan UT

11:30 -12:00 noon “Exhibitor Introductions”

12:00 noon Lunch - Sponsored by Farmer Mac - Washington, D.C.

Luncheon Speaker: “SpringlSummer Outlook 2015”Don will take a look at long range weather trends for Spring/Summer 2015 for Wyoming and the region.Don Day, Jr., President & MeteorologistDayWeather, Inc., Cheyenne, WY

1:30-2:30 p.m. “Managing Molecular Assets - by the Barrel”At the Sinclair Wyoming Refining Company (SWRC), we convert Wyoming crude and Canadian crudeoils into 3,000,000 gallons of gasoline, jet and diesel fuels each day. Ray Hansen will give an overviewof how crude oil is processed, how finished fuels are manufactured and distributed, and the challengingchanges in the refining industry. In addition, the company vision and values for operating the modern andcomplex Sinclair oil refinery will be discussed.Ray Hansen, Engineering and Technical Services ManagerSinclair Wyoming Refining Company, Rawlins, WY

3:00 - 4:15 p.m. Tour the Wyoming Frontier PrisonWe will have an one hour guided tour of the Wyoming Frontier Prison; the operating state penitentiary from1901-1981. Enjoy the broad history of this 49.5 acre site, coupled with stories of the infamous charactersonce housed within the impressive structures. Warm dress and comfortable shoes recommended. Preregistration required—see registrationform.The Wyoming Frontier Prison is located at 500 West Walnut in Rawlins — less than 5 minutes fromthe Jeffrey Center. A small parking lot is available as well as parking on the street.

5:30 - 8:00 p.m. RECEPTION & DINNER - JEFFREY MEMORIAL COMMUNITY CENTER

Dinner Sponsored by: Kansas Bankers Surety Co., Topeka, KS

Friday, May 15, 2015 - JEFFREY MEMORIAL COMMUNI1V CENTER

7:00 - 8:00 a.m. Breakfast Buffet - Sponsored By Bankers’ Bank of the West, Denver, CO

8:00 - 8:30 a.m. “History of the wild horse and burro program, laws, and currentmanagement”Benjamin Smith, Wild Horse & Burro SpecialistBLM, Rawlins, WY

8:30 - 10:00 a.m. “The Three Secrets For Increasing Profit”There are three issues when it comes to money: economics, fmance and taxes. In economics weask “is it profitable.” In finance we ask, “can I afford to do it?” With taxes we ask, “How can Iminimize them.” Unfortunately most people ask these questions in the wrong order, startingwith taxes and ending with profit. As a result most ranches have only survived because of theinternal subsidies that ranchers have made (and continue to make) to their operations (off-farmjobs, free family labor, inherited wealth, etc.). In this program the audience will build a profitable livestock business from scratch and discover that there are only three ways that any businesscan increase profit. They will be introduced to benchmarks that show which of these threesecrets is the key to increasing profit for a client’s ranch.David Pratt, Owner/PresidentRanch Management Consultants, Inc., Fairfield, CA

10:00 - 10:15 a.m. Refreshment Break -Sponsored By Central States of Omaha

10:15 - 10:45 a.m. “Creating Responsible Renewable Energy Solutions”Power Company of Wyoming LLC is developing the state’s largest wind energy project, to belocated on a Carbon County ranch, and TransWest Express LLC is developing a regional tram-mission line to strengthen the western grid and increase renewable power purchases from ourstate. Learn more about these companies’ efforts to invest in and expand Wyoming’s energybusiness portfolio.Kara Choquette, Director of CommunicationsPower Company of Wyoming, LLC & TransWest Express LLC, Denver CO

10:45 - 12:00 noon “2015: Finding the New, New Normal in Agriculture”American agriculture has enjoyed a great run for the past decade, if not longer. Now, we areseeing signs that the great agriculture boom of the 2000s is running out of gas. Where does thatleave ag bankers? Is the newly passed Farm Bill the right policy to meet the needs of farmersand ultimately their bankers? How will the changes in the Congress last fall impact the roll-outof the legislation? Is USDA up to the task before it? John Blanchfield has spent the past 25years in Washington on the cutting edge of farm and ag banking policy. He returns to ourconference this year with a fresh perspective, a new outlook on the policy machine in Washington, and a renewed focus on what bankers need to do now to adjust to the new, new normal inagriculture.John Blanchfield, PresidentAgricultural Banking Advisory Services, Washington, DC

2014-Ic ACHAIRMAN: STEPHANIE ARNOLD, BANK or COMMERCE-RAWLINS

Vice Chair: Ty Krell, Sundance State Bank Mike Morrison, First State Bank-NewcastleConnie Clark, ANB Bank-Worland Marlin Norling, First Interstate Bank-SheridanSteve Feagler, First State Bank-Torrington Dusty Porter, Jonah Bank-CasperKeith Geis, Platte Valley Bank-Wheatland Brett Maim, Platte Valley Bank-TorringtonKen King, First Interstate Bank-Riverton

Sponsors & f\xhibitors

Steve HoganBanker’s Bank of the West

Denver, Colorado

SPONSORSHIP

Thursday Evening Dinner at the JeffreyCenter

Mark JonsonKansasBankersSuretyCompanyTopeka, Kansas

Exhibitor

Glen AlamedaSuperior Livestock Auction

Livestock Auction

CONFERENCE SPONSORSHIP

-Bank of Commerce-Rawlins

-The Rawlins National Bank-Rawlins

Exhibitor

Kurt Campbell & Ray BeckerBig Iron/Stock Auction

SPONSORSHIPBrealcfast Buffet

SPONSORSHIPGolfTournament Coordination & Prizes

Breakc throughout Conference

CSO Scott Sexson

Central States of Omaha

ExhibitorLucy Pauley

Wyoming Agriculture & NaturalResources Mediation Program

4*’

Exhibitor

Cindy Garretson-WeibelWyoming Business Council

5UINYSS COUNCIL

SPONSORSHIP!EXHIBITORThursday Luncheon

FARN!ERJW\Cfl,iancJsg ura .1rnerwa _

Larry Jones

Farmer Mac, Washington, D.C.

May 14-15, 2015 * Jeffrey Center (315 West Pine Street) * Rawlins, Wyoming

I REGISTRATION FORM

PARTICIPANT INFORMATION: (Please type or print)

Name:

_______________________________________Email:

Ban Ic/Company:

Mailing Address:

____________________________________

City:

_____________________________________________

State:

______________________

Zip:

Phone:

_________________________________________

Fax:

___________________________

Going on TOUR ($6 registration fee) YES NO Attending Reception & Dinner YES NO

Spouse/Guest Name (If attending):

Going on TOUR ($6 registration fee) YES NO Spouse/Guest Attending Recpt. & Dinner NO

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

____________________________

(Gdf Deadflne is 4/30/15)

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

REGISThATION FEE SUMMARY: (Confirmation of your registration 11 be sent)

INDICATE WPE OF REGISTRATION-PER PERSON:a WBA Member Full Registration before 4/1 $250 ea. $

___________

El WBA Member Full Registration after 4/1 $295 ea. $

___________

O Non-Member Full Registration $450 ea. $

___________

Payment must be received prior to 4/1 to be eligible for the “early bird” discount.

OPTIONAL REGISTRATIONS-PER PERSON:O Spouse/Guest Registration (bankers not eligible) $ 85 ea. $

___________

Indudes Ag Program & Tours, Thursday Cont ‘I., Lunch & Rec. & Dinner and Friday Breakfast.o Additional Rec./Dinner Only Ticket (Thursday) $ 55 ea. $

Golf Tournament Pair with spouse/guest______ $ 68 ea. $C WY Frontier Prison Tour (lourSignupDeadlinels4/30115) $ 6 ea. # $

___________

TOTAL $

_________

ACCOMMODATiONS:Hampton Inn —307/324-2320 Holiday Inn Express —307/324-3760406 Airport Road, Rawlins 201 Airport Road, RawlinsRates: Double Queens/King $119+ Rates: Double Queens $129+

Be sure to ask for the Wyoming Bankers Ag Conference Block Room Rate —Blocks expire 4/29f 15

PLEASE RETURN REGISTRATION FORMS PRIOR TO APRIL 30TH TO:Wyoming Bankers Association • P.O. Box 2190 • Cheyenne, \)VY 82003• Fax: (307) 638-5013

Questions? Please contact the WBA at (307) 638-5008 or chery4’wyomingbankers.comOnline registration is currently under construction-Contactlen at 307-638-5008 to pay with a credit card.

CONFERENCE & GOLF REGISTRATION DEADLINE IS APRIL 30th, 2015. $50 CANCELLATIONFEE--NO REFUNDS AFTER APRIL 30th-SUBSTITUTIONS ARE ENCOURAGED.

M’CdKF 131VS

MikpronMike Pearson was raised in south central Iowa, attended Simpson College, where he majored in History, and continued to run the family farm south of Winterset, IA. After graduation he moved to Grinnell, Iowa, where he liveswith his wife, Heidi. He is a part-time farmer and has experience as a banker with emphasis on Agriculture andResidential lending.

i11on ?‘UZ” ‘ Dillon Feuz is the head of Applied Economics Department at Utah State University. Prior to becoming head, hewas a professor in the department from June 2006 to May 2012. His primary research and extension focus is inLivestock Marketing and Risk Management. He received his B.S. in Agribusiness in 1984 and his M.S. in AgriculturalEconomics in 1986 from the University of Wyoming and he received his Ph.D. in Agricultural Economics in 1990from Colorado State University. He spent six years at South Dakota State University teaching marketing and conducting research on livestock production and marketing issues. He then worked for the University of Nebraska-Lincoln for ten years analyzing various cattle management and marketing strategies and evaluating consumer’swillingness-to-pay for flavor preferences for beef steaks. Dillon was raised on a cattle ranch in

_________

western Wyoming.cIfl cjg, Jr. “ Don is a professional meteorologist, and owner of DayWeather, Inc. a professional weatherforecasting and consulting firm he started in Cheyenne, Wyoming in 1992. DayWeather provides weather forecastservices for over 70 radio stations across the Rocky Mountain West. DayWeather also provides forecasts to manynewspapers, aviation, construction and agricultural clients. Don specializes in weather forecasting for competitivegas balloon events and stratospheric airship and stratospheric balloon flights. Don and his wife Heather live in Cheyenne, WY with their daughter Kinsale.

‘Rg tinn Ray Hansen has worked in the oil refining industry for 26 years. He holds a bachelor’s degree in Chemical Engineering and a Bachelor’s degree in Material Science & Corrosion Engineering from the University of California Berkeley. Ray has previously worked at TOSCO Oil Corporation (California), Chevron Oil Corporation (Texas), CITGO Oil Corporation (Louisiana), and FrontierOil Corporation (Kansas). Ray and his wife Lori moved here to Rawlins Wyoming in 2010. They have 7 children (2 daughters, 5 sons)with ages ranging from 12 to 25 years of age. The Hansen family loves the “outdoor life”, and spends much of their free time camping,fishing and involved with school sports!

13njmin ,mith “ Benjamin was raised in central Utah. He graduated from Southern Utah University with a Bachelor’s Degree in Agriculture. From there he spent 3 years in Dolores, CO. for the forest service working as there range technician, working withcattle grazing permits and monitoring. Ben has been the wild horse specialist Bureau of Land Management(BLM) in Rawlins for 2.5years.Cj Pratt ‘“ Dave Pratt is one of the most sought after speakers and respected authorities on sustainableranching in North America. His programs, which include the Ranching For Profit School and Executive Link, have benefited thousands of families and millions of acres. As a Range and Livestock Advisor with the University of CaliforniaCooperative Extension Service for 14 years, Dave researched management intensive grazing and strategic issues impacting the profitability of ranches. He earned a reputation for innovative teaching with a practical edge and helpedhundreds of farmers and ranchers develop and implement strategies to increase profit. Dave co-founded the Sustainable Ranching Research & Education Project, a large-scale, long-term effort to develop, research and demon

__________

strate economic, environmental and socially sustainable ranching practices. He also co-founded the California Grazing Academy, which provided ranchers with hands-on experience applying management intensive grazing. In 1991 Dave began working with Dr. Stan Parsons, who created the Ranching for Profit School and founded Ranch Management Consultants. Dave startedteaching the Ranching for Profit School in 1992. He has taught the Ranching for Profit School in the United States, Canada, Mexico,Australia and Africa. Dave and his wife Kathy bought RMC from Dr. Parsons in 2001. As President and CEO of RMC, Dave carries on theRMC mission by helping people transform their farms and ranches into sustainable businesses. Dave’s new book, Healthy Land HappyFamilies and Profitable Businesses has received high acclaim from industry leaders. Joel Salatin said, This book delivers more meaningful advice in one small space than I’ve ever seen. Wayne Fahsholtz, President and CEO of Padlock Ranch advised, “If you are seriousabout wanting your ranch to be successful I sustainable, then this is an important read.” Stan Parsons called it, “the best book everwritten about ranching anywhere.”

John j31nchfi 1d “i” John Blanchfield owns Agricultural Banking Advisory Services, an independent consultancy that is dedicated to helping ag bankers and their customers better understand the intersection of policy and the real agricultural economy. John hasbeen involved in agricultural banking and finance for nearly 40 years. After 25 years of service he recently left the American Bankers

Association where he oversaw all agricultural banking policy for the association. While at ABA Blanchfield delivered over 500 speeches on agricultural banking and policy around the US and the world, was interviewed byhundreds of publications, and made numerous radio and television appearances. For many years Blanchfieldserved on the CFTC AG Advisory Committee, and the Agricultural Advisory Board of the CME Group. He is amember of the World Bank’s AgriFin Steering Committee, and is on the faculty of the National School for Advanced Agricultural Lenders. He and his wife live in Maryland and Custer, South Dakota.


This is part 1 of an in-depth series designed to increase your proficiency inthe essentials of business financial analysis. Case study exercises are usedthroughout to reinforce the principles and techniques learned. For moreinformation about Part 2. Business Cash Flow Analysis on March 16 and30, please review the brochure for that program.

Part I introduces the structure and format of business financial statements,plus the basic ratios and analytical techniques. Highlights include:

March 2- Financial Statement & Tax Return BasicsIntroduction to Business Financial Statements & Tax Returns• Basic structure and purposes of business financial statements• Compare and contrast the three methods of accountingHow Business Financial Statements and Tax Returns are Constructed(Accounting Refresher)• Compare and contrast the cash and accrual method of accounting• Construct the following for the same example business:• Balance sheet, income statement and statement of cash flows on both

the accrual and cash basis• Balance sheet (Schedule L), income statement, Schedule M-1 and

Schedule M-2 on the cash basis• Compare and contrast the differences of the financial performance of

an example business (cash vs. accrual vs. cash/income tax basis)

March 9- Key Ratios and Analytical TechniquesThe Basis of Accounting and Type of Statement• Key standards, limitations and alternatives within accrual accounting

or generally accepted accounting principles (GAAP)• Identify where other comprehensive bases of accounting (cash and

income tax) are appropriate and not appropriate• Identify various levels of accountant-prepared financial statements

(compilations, reviews and audits)• Explain the importance of interim statementsRatio Analysis• Basic guidelines for classifying and spreading the data• Key components of a balance sheet• Calculate liquidity and leverage ratios for an example business and

interpret the results• Identify situations with positive or negative working capital• Common-sizing of the balance sheet• Key components of an income statement• Calculate profitability and traditional cash flow measures for an

example business and interpret the results• Calculate efficiency and debt coverage ratios for an example business

and interpret the results• The use of industry and comparative data within financial analysis

AudienceExperienced lenders who need an update or confirmation of theirknowledge and skills, lenders just beginning to focus on commerciallending, loan review personnel, credit analysts or any banker looking tosignificantly develop commercial credit skills will benefit. This program isalso highly recommended as an introductory or refresher course forbankers planning to attend a commercial lending school.

SpeakerRichard Hamm has been training bankers for more than 23 years.specializing in all phases of commercial lending and credit: portfolio andrisk management, real estate, appraisals, selling and negotiating skills. Hehas been involved in director training, loan policy formation, bankformation and strategic planning. He owns/operates Advantage Consulting

&Training after a 22-year banking career including senior positions inlending and credit.

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. Each Live Webinar registration provides one connection to thewebinar, materials and access to the On-Demand Webinar for 30 days. You mayhave unlimited listeners on your connection. You will receive login instructionsand materials prior to the seminar. If you do not receive confirmation uponregistering, email support @conferenceedge.com.An On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (24/7). Anyone at your branch may access the programonline using the login. With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).

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

Transmission, retransmission or republishing of the audio portion of the seminaris prohibited. Your registration entitles you to I connection at I location withpermission to copy materials for participants. Complete one registration perlocation.

Please check all appropriate boxes: SW2-1268

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

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

Name Title

8ank/Company

E-mail

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

dcv of event)

Mail: Mail: completed form with check payable to ConferenceEdge1516 Xavier St., Ste 500, Denver, CO 80204(Mail 10 days prior to event)

Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments onlylEarlier registration allows time to test your computer for art optimal experience.

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

Analyzing Business Financial StatementsMarch 2 & 9, 2015

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

Analyzing Business Financial StatementsLive Webinar D$500 memOn-Demand Webinar* D$530 mem

March 2 & 9,2015$1,0o°D$i,06o nonmem

Mailing Address

City/State/Zip

Phone/Fax

I

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


The New Loan EstimateA Three-Part Webinar Series

February 17, March 3, & March 23, 201512:30-2:30 p.m. Mountain Time

The Integrated Disclosure rules are monumental. This comprehensive webinar seriesexplains the hundreds of pages of new regulations to help you prepare for the August1,2015, effective date.

The CFPB published a final rule to implement the new integrated disclosures onNovember 20, 2013. The nile completes the Dodd-Frank mandate to combine thedisclosures required by TILA and RESPA. The new Loan Estimate form combinesthe old Good Faith Estimate with an early Truth in Lending disclosure. The newClosing Disclosure combines the old H1JD-1/A with the final Truth in LendingDisclosure. The forms are different, as are the rules surrounding the forms.Coverage, timing and many other requirements have changed.

Session HiehIi2htsGeneral Rules - February 17,2015• The new, expanded coverage and exemption rules including:• Which departments and products are covered?• The effective date of the new rule and how it is applied;• The timing rules for the Loan Estimate and Closing Disclosure;• The limits on pie-disclosure activities;• When estimates are considered to be “in good faith” and the applicable

tolerances;• When revised disclosures are allowed, including situations such as changed

circumstances and borrower requests;• When revised disclosures are needed and how they are delivered;• Changes before consummation that do not require a new waiting period;• Changes before consummation that do require a new waiting period; and• Rules regarding changes due to events occurring after consummation.The New Loan Estimate - March 3,2015Content, form completion and formatting rules are covered, including:• Long terms; • Adjustable payment table;• Projected payments; • Adjustable interest table;• Costs at closing; • Contact information;• Web site reference; • Comparisons;• Loan costs; • Other considerations;• Other costs; • Signature statement; and• Calculating cash to close; • Form of disclosuresThe New Closing Disclosure - March 23,2015Content, form completion and formatting rules are covered. Rules related to the newSpecial information Booklet are also presented. Coverage includes:• Long terms; • Calculating cash to close;• Projected payments; • Borrower’s transaction summary;• Costs at closing; • Seller’s transaction summary;• Loan costs; • Loan disclosures;• Other costs; • Adjustable payment table;• Closing costs totals; • Adjustable interest table;• Loan calculations; • Contact information;• Other disclosures; • Signature statement; and• Questions notice; • Form of disclosures

PresenterJack Holzknecht, CRCM

AudienceManagers, compliance officers, loan officers, auditors and others responsible forpreparing, delivering or auditing the new disclosures.

Why Participate?Now is the time to begin the challenge of understanding the new disclosures. Loanorigination software will play a key role in implementation, but there is much tocomplete before using the revised software. Restructuring product types and featuresmay be necessary. You must decide which tasks are to be performed by thesettlement agent and by your institution. Third-party settlement service providersneed to be informed of the changes. Staff members need training. And, the loanorigination software must be tested. This three-part program provides all of theinformation needed to understand the new forms and the new requirements.

A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smart phone).No special hardware is needed; however, speakers or headphones are required. EachLive Webinar registration provides one connection to the webinar, materials andaccess to the On-Demand Webinar for 30 days. You may have unlimited listeners onyour connection. You will receive login instructions and materials prior to the seminar.If you do not receive confirmation upon registering, [email protected] On-Demand Webinar is a webinar that has been recorded and can be viewed atyour convenience (2417). Anyone at your branch may access the program online usingthe login. With an On-Demand Webinar, you have 6 months unlimited access to theprogram from the date of purchase (access to the live webinar is not included).


Transmission, retransmission or republishing of the audio portion of the seminar isprohibited. Your registration entitles you to I connection at I location with permissionto copy materials for participants. Complete one registration per location.


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

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

day of event)


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

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

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

2015 Understanding the New Integrated Disclosure Rules

General RulesLive WebinarOn-Demand Webinar*

New Loan EstimateLive WebinarOn-Demand Webinar*

New Closing DisclosureLive WebinarOn-Demand Webinar*

D$265 memD$280 mem

$265 memD$280 mem

$265 mem$280 mem

February 17,2015$530 rionmemD$560 nonmem

March 3,2015l$53O

$560 nonmemMarch 23,2015

L$530 nonmem$560 nonmem

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

We cannot guarantee registration for incomplete and/or illegibleregistration forms received. Please complete the form and type orwrite carefully.

About Webinars


Session I will help you understand the core elements of riskassessments and methods to simplify the process. Session 2highlights current threats, real procedures you can follow and theimportance of forensics when digital robbery occurs.

Partl—March5,2015ACH Risk ManagementAdopting sound business practices to help manage your risk and tomaintain compliance with the NACHA Operating Rules are keysto your financial institutions successful use of the ACH Network.This webinar is designed to help you understand the risksassociated with the ACH and how to help mitigate those risks. Youwill:

Understand the different types of ACH Risk.Walk away with tips on establishing appropriate riskprocedures, systems and controlsGain an understanding on managing the risk of Originatorsand/or Third Party SendersIncrease your knowledge on information regarding the ODFIsright to audit ACH network participants

AudienceThis webinar is a perfect course for compliance, audit, operationsand senior management.

access to the On-Demand Webinar for 30 days. You may have unlimitedlisteners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email support @conferenceedge.com.An On-Demand Webinar is a webinar that has been recorded and canbe viewed at your convenience (24/7). Anyone at your branch mayaccess the program online using the login. With an On-DemandWebinar, you have 6 months unlimited access to the program from thedate of purchase (access to the live webinar is not included).

Add [email protected] as a safe sender on your email or have yourIT Administrator add mail.confedge.com to the SPF records or to youremail system whitelist to ensure that you receive emails from theregistration system.

Transmission, retransmission or republishing of the audio portion of theseminar is prohibited. Your registration entitles you to I connection atI location with permission to copy materials for participants. Completeone registration per location.


ACHRiskAssessment- Marchs,2015

Live Webinar $265 mem $530 nonmemOn-Demand Webinar* $28O mem $56O nonmemACH Compliance March 18, 2015Live Webinar D$265 mem $530 nonmemOn-Demand Webinare $28O mem $560 nonmem

Part II — March 18. 2015ACH ComplianceAttend this webinar and walk away with the knowledge you needto understand the compliance requirements associated withprocessing ACH entries on a day-to-day basis, including updates toACH Network Risk and Enforcement. We will:

— Discuss RDFI and ODFI responsibilities within the ACHRules

— Review how UCC4A interacts with ACHReview BSAJALM handbook and it’s interaction with IATentriesReview compliance issues with Regulation E

AudienceThis webinar is a must attend for compliance, audit, operations,senior management and those sitting for the AAP exam.

PresenterMary Kate Cole, AAP, CAE, principal of MK Cole Consulting,has nearly two decades of bank operations experience. Currently,Kate is working with Management HQ as an Account Coordinatorand Office Manager. As Vice President of the Upper MidwestACH Association, she was responsible for member education andproblem solving as well as ACH development projects. Kate hasbeen active in several National ACH Association Rules WorkGroups over her career. She is a popular speaker at both local andnational conferences on electronic payments related topics.

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and otherinteractive features. The program may be viewed on most devices(computer, tablet, smart phone). No special hardware is needed;however, speakers or headphones are required. Each Live Webinarregistration provides one connection to the webinar, materials and

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


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

Three Ways to Register (Payment required to complete registration):Online:h, Iku )/.,ut&,p=W (up to theday of eventlMail: Mail: completed form with check payable to ConferenceEdge

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

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments onlylEarlier registration allows time to test your computer for an optimal experience.

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

ACH Risk Management & ComplianceMarch 5 & 18, 2015


J-zz

Wyoming Bankers AssociationCall Report Preparation

A Two-Part Webinar SeriesFebruary 13 & March 6, 2015


Part 1 . Call Report Lending SchedulesReporting of loan and credit information is important and difficult.This is an opportunity to train the loan accounting staff responsible forthe loan coding that determines reporting in most Call Report loanschedules.

• RC-C Part 1 Loan Classification Priority

• RC-K Quarterly Averages

• RC-L Commitments

• RC-N Past Due & Nonaccrual

• RI Loan Interest & Fees

• RI-B Charge Offs & Recoveries

Audience: Loan accounting staff and Call Report preparers.

Part 2- Call Report Revisions & UpdateBasel ifi risk based capital changes will be effective with the first callreport filing in 2015. There is also additional service charge detailrequired for larger banks in 2015. Recent accounting updates affectthe 2015 Call Report as well.

The Call Report Revisions & Update webinar is designed forexperienced preparers and reviewers. The webinar will include a lineitem review of the new RCR risk based capital schedule under Baselifi, as well as other recent changes and updates due to revisions inaccounting standards.

March 2015 Revisions Covered• New RCR schedule under Basel ifi requirements

o Line Item Review• New Service Charge Detail, RI M15• Updates to Accounting Standards

o Goodwillo Foreclosed of Residential Real Estateo Subsequent Restructuring of a Trouble Debt

Restructuring0

Audience: Call Report preparers, reviewers and auditors.

PresenterAnn Leavelle Thomas has over 30 years of experience in bankaccounting and control. As Thomas Consulting, she performsregulatory compliance audits and training, internal control audits, andprepares and reviews Call Reports. Ms. Thomas has taught numerouscall report seminars for state banking associations. Her experience inworking with a broad range of independent banks is of unique value inunderstanding Call Report questions and in communicating withbankers in their own language.

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smart

phone). No special hardware is needed; however, speakers or headphones arerequired. Each Live Webinar registration provides one connection to thewebinar, materials and access to the On-Demand Webinar for 30 days. You mayhave unlimited listeners on your connection. You will receive login instructionsand materials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected] On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (2417). Anyone at your branch may access the programonline using the login. With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).



Please check all appropriate boxes:

Part II - Revisions & Update11Live WebinarOn-Demand Webinar

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


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

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

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


Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payment5 only)Earlier registration allows time to test your computer for an optimal experience.

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

Part I - Lending Schedulestlm

Live WebinarOn-Demand Webinar*

$265 memD$280 mem

D$265 mem$280 mem

February 13,2015$530 nonmem

nonmem

March 6,2015$530 nonmem$560 nonmem

Wyoming Bankers AssociationInformation Security

Risk Assessments & Incident ResponseMarch 12 & 19, 2015


Session I will help you understand the core elements of nskassessments and methods to simplify the process. Session 2 highlightscurrent threats, real procedures you can follow and the importance offorensics when digital robbery occurs.

Part 1—March 12,2015Assessing Risk:Are you missing any Information Security Assess- ments at yourbank?Recently published FFIEC Cyber Security Assessment General Observations highlight deficiencies in current risk assessment and policypractices at financial institutions. This session discusses the importancefor management to understand the financial institution’s inherent riskto cybersecurity threats and vulnerabilities. So what are the regulatorslooking for? Is this yet another risk assessment? We will review theregulatory guidance related to risk management and explore the coreelements of risk assessment and methods to simplify your list ofassess- ments. We will also review risk assessment frameworks andtouch spe- cifically on the following areas:

— Cybersecurity risk assessment— IT risk assessment

Vendor risk assessment— Commercial account risk assessment

SpeakerDr. Kevin Streff, Secure Banking Solutions (SBS), Dakota StateUniversity

Part 2—March 19, 2015Incident Response without Forensics:Same as robbery without an investigation?How do you respond when notified of a malware infection? Amaiware infection on your system or a customer’s system is the digitalequivalent to your staff notifying you about an attempted robbery.Would you choose not to investigate the robbery and just clean up themess? In a digital world, incident response plans must assist the bankin determining if they were sobbed. Next, investigate what was stolenand who was responsible for stealing it. This discussion will talk abouttypes of mci- dents that are increasing in frequency for financialinstitutions and how to prepare for them. Highlighting real proceduresinstitutions can follow and how forensics is a requirement in moderncyber incidents. The following are key focuses for our digital robberydiscussion:

— Trending cybercrime and rnalware threatsCybercrime impact on bank systems, ATM and commercialcustomers

— Standard incident response procedures— Importance of forensics— Basic forensic processes

The goal is to highlight the threats faced by financial institutions todayand increase awareness to the importance of forensics in incidentresponse. Technical and managerial attendees will benefit.SpeakerDr. Ashley Podhradsky, Secure Banking Solutions (SBS), DakotaState University, Drexel

AudienceSenior management, IT officers, security officers, operations officers, riskmanagers, auditors and compliance officers.

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. Each Live Webinar registration provides one connection to thewebinar, materials and access to the On-Demand Webinar for 30 days. You mayhave unlimited listeners on your connection. You will receive login instructionsand materials prior to the seminar. If you do not receive confirmation uponregistering, email [email protected] On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (24/7). Anyone at your branch may access the programonline using the login. With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).


Transmission, retransmission or republishing of the audio portion of the seminaris prohibited. Your registration entitles you to 1 connection at I location withpermission to copy materials for participants. Complete one registration perlocation.

Please check all appropriate boxes: 5W2-1187

Risk Assessment March 12, 2015Live Webinar D$265 mem $530 nonmemOn-Demand Webinar* D$280 mem $560 nonmemIncident Response March 19, 2015Live Webinar $265 mem D$530 nonmemOn-Demand Webinar* $280 mem D$560 nonmem

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


Name Title

Bank/Company

Mailing Address

City/state/zip

Phone/Fax

E-mail


day of event)


Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payment5 only)Earlier registration allows time to test your computer for an optimal experience.

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

Wyoming Bankers AssociationBank Director Training

March 13, 201512:30 - 2:30 p.m. Mountain Time

In today’s environment, directors must understand both the“numbers” and the “human-side” ofbanking. This webinarreviews the basics from a strategic and tactical perspective,including interpreting the bank’sfinancial condition, negotiatingwith management and the regulators, HR issues and more.

In todays challenging environment, it is essential that the bank’sdirectors know both the “numbers” and the “human-side’ ofdirecting the bank from both a strategic and tactical perspective.Attend this proactive webinar and review the basics of how tocorrectly interpret the bank’s financial statements, review “keynumbers” including net interest spreads, calculate the “ratios”(including capital requirements) and apply these concepts innegotiating with both the bank’s management and regulators.Additionally, the attendee will be provided with tools andtechniques in working with the bank’s management coveringvarious “HR issues” that tie into labor/contract law includingsexual harassment and the Family and Medical Leave Act(FMLA).The webinar will also emphasize the importance of providing ongoing “training” of the loan, audit, and ALCO “director”committee members.

ObjectivesExplore “directing” the bank from a strategic and tacticalperspectiveReview the basics of interpreting the bank’s financialconditionDiscuss negotiating with management and the regulatorsAnalyze various “HR issues” that impact the bankProvide training to loan, audit, and ALCO “director”committee members

AudienceAll bank directors (including new and less experienced directors),CEOs and senior bank officers.

SpeakerDavid L. Osburn, CPA, CCRA, NACM, is the founder of Osburn &Associates, LLC, a Business Training and Contract CFO Firm thatprovides seminars, webinars, and speeches for bankers, CPAs,attorneys, credit managers and business owners onbanking/finance/credit, negotiation skills, marketing and managementissues. His extensive professional background includes 14 years as aBusiness Trainer/Contract CFO and 16 years as a commercial lender.His banking credentials include underwriting, “work-out”,management, and business development. Mr. Osburn has been anadjunct college professor (MBA and undergraduate courses) for 29 dayofevent)

years.

Also AvailableCheck out the following upcoming and on-demand webinars atwww.texasbankers.com/WehinarCatalog:

New Employment Law Obligations (3/4/15)Recent Accounting Update (1/20/1 5)Information Security Basics: Board of Director’s Edition (1/8/15)

— What Do You Mean My Claim Isn’t Covered (10/24/1 5)The Drive for Revenue: New Frontiers in Cost Control (10/17/14)

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and otherinteractive features. The program may be viewed on most devices(computer, tablet, smart phone). No special hardware is needed; however,speakers or headphones are required. Each Live Webinar registrationprovides one connection to the webinar, materials and access to the On-Demand Webinar for 30 days. You may have unlimited listeners on yourconnection. You will receive login instructions and materials prior to theseminar. If you do not receive confirmation upon registering, [email protected] On-Demand Webinar is a webinar that has been recorded and can beviewed at your convenience (24/7). Anyone at your branch may access theprogram online using the login. With an On-Demand Webinar, you have 6months unlimited access to the program from the date of purchase (accessto the live webinar is not included).

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

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

Please check all appropriate boxes: SW2-1226Bank Director Training March 13, 2015Live Webinar $265 mem l$530 nonmemOn-Demand Webinar* $280 mem $560 nonmem

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


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

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

Mail: completed form with check payable to ConferenceEdge1516 Xavier St., Ste 500, Denver, CO 80204(Mail 10 days prior to event)

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only(Earlier registration allows time to test your computer for an optimal experience.

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

.1--liMI

This is part 2 of an in-depth series designed to increase your proficiency inthe essentials of business financial analysis. Case study exercises are usedthroughout to reinforce the principles and techniques learned. For moreinformation about Part 1, Business Financial Statement Analysis on March2 & 9, please review the brochure for that program.

Learn how to calculate both a Statement of Cash Flows (SCF) and aUniform Credit Analysis (LJCA) model, plus how to use both tools toevaluate business cash flow in conjunction with traditional ratio analysis.The UCA model is an important analytical tool provided as output frombusiness financial statement ‘spreading’ software used for commercial andindustrial (C&I) loans. This seminar demonstrates how the UCA model isderived and compares it to the SCF prepared by accountants. Highlightsinclude:

March 16- Cash Flow Basics and Why You Need More ThanTraditional RatiosOverview of Traditional Ratios• Key liquidity, leverage and efficiency conclusions• Where traditional debt service coverage ratios fall short• Evolution of Statement of Financial Accounting Standards (SFAS)

95 and the resulting SCF, plus development of the UCA model• The cash flow impact of efficiency ratios• Sources and uses of cash for both SCF and UCA, plus the three main

categories of cash flow• Compare the indirect and direct methods for compiling a SCFBuilding a Statement of Cash Flows (SCF)• Construct a SCF on the indirect method from the case study• Construct the operating section of a SCF on the direct method as a

bridge to the UCA model

March30- The UCA Modd and Analytical TechniquesBuilding, Understanding and Using the UCA Cash Flow Model• Compare the formats of SCF and UCA• Construct a UCA model from the case study• Compare key subtotals between a SCF and UCA from the case study• Three basic questions for which the UCA model provides answers• Identify the cash flow coverage ratio components imbedded within

the UCA format• Develop the drivers of operating cash flow consistency and reliability

as a source of loan repayment• Explain the cash flow effect of capital expenditures, adjusted for

related long-term financing• Reposition distributions/dividends within the UCA format in order to

improve cash flow conclusions for privately-held businesses• Compare SCF and UCA conclusions with earlier conclusions from

traditional analysis

AudienceExperienced lenders who need an update or confirmation of theirknowledge and skills, lenders just beginning to focus on commerciallending, loan review personnel, credit analysts or any banker looking tosignificantly develop commercial credit skills will benefit. This program isalso highly recommended as an introductory or refresher course forbankers planning to attend a commercial lending school.

SpeakerRichard Hamm has been training bankers for more than 23 years,specializing in all phases of commercial lending and credit: portfolio andrisk management, real estate, appraisals, selling and negotiating skills. Hehas been involved in director training, loan policy formation, bankformation and strategic planning. He owns/operates Advantage Consulting

&Trairiing after a 22-year banking career including senior positions inlending and credit.




Please check all appropriate boxes: SW2-1026Analyzing Business Cash Flow March 16 & 30, 2015Live Webinar $500 mem D$i,o00 nonmemOn-Demand Webinar* $530 mem $1,060 nonmem

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


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

Three Ways to Register (Payment required to complete registration):cnn U,,ciKcv=2)IOnI25oLhniOv( )/.wp$&,,rp=WY ‘

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


Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments onlylEarlier registration allows time to test your computer for an optimal experience.


Wyoming Bankers AssociationAnalyzing Business Cash Flow

March 16 & 30, 201512:30 - 2:30 p.m. Mountain Time


The CFPB is just getting started ... how will CFPB rulings impact creditscoring? What are your compliance obligations?How can you use credit scores to build a better loan portfolio? Learn theanswer to these questions and more.

How will the CFPBs rulings impact credit scoring? For one thing Fico9reduces the impact of medical collections on consumer credit filesimproving the score. The second improvement has to do with releasingcredit scores to your customers. All the Big Guys will be doing it beforeyear end! This is just some of the new information we will be discussing.

What are our compliance obligations when using any credit scoringmodel? What credit factors determine that elusive credit score? How can aconsumer or a financial institution legally improve your customers creditscore? When are you required to give the credit score to your customer?Are there commercial credit scores available? Should we use bankruptcyor fraud scoring models, and if so, what are the compliance obligations?How do we avoid disparate treatment? How can we use credit scores tostreamline your DDA, lending and collection process? When are werequired to include the credit score(s) on our Adverse Action Notices?

Why Participate?This session is a cost-effective way to improve your staffs understandingof credit scores and critical compliance issues to build a better loanportfolio. You may train as many individuals as you like for one set pricewith no travel costs, no time lost from work and no one will be required toleave the bank.

What You Will Learn• Deposit Accounts — Using models when opening deposit accounts

to reduce loss and prevent fraud.• Credit Scores — Learn what affects your customer’s score in

positive and negative ways. All scoring models are not the same —

some may surprise you!• Scoring Systems known as FICO, Emperica and Beacon —

Learn their strengths and weaknesses.• Scoring Products — Which ones are right for different types of

lending.• Risk-Based Pricing Notices — Review of the Regs making sure

your bank is in compliance.• Adverse Action Notices— Modifying current notices to be CFPB

compliant.• Build Your Portfolio Faster — You want the best customers? Get

the BEST customers for your bank!• Bankruptcy—Evaluate the bankruptcy scoring models and

determine the right one for your company.• Accounts Receivable Scoring— Scoring your past dues will help

you prioritize efforts and reduce your accounts receivables ifhandled correctly.

• Promotional Name List — The pros and cons of using purchasedname lists & afirin offer ofcredit!

• Bonus — Tips to improve your customer’s credit score!

SpeakerGreg Souther, President & CEO, Greg Souther Consulting, providestraining and consulting in customer service and communications;credit, collections and compliance; fraud prevention and informationsecurity and marketing and sales. With over 29 years of training andspeaking experience, Greg and his associates share practical “how to”advice that everyone can easily understand and use in their daily work.

Anyone who needs a better understanding of credit scores, includingCSRs, managers, credit analysts, lenders, compliance and risk officers,collections staff, HR and senior officers. Frontline staff handlingapplications and anyone responsible for establishing and maintainingpolicy, procedures and practices will benefit

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. Each Live Webinar registration provides one connection to thewebinar, materials and access to the On-Demand Webinar for 30 days. You mayhave unlimited listeners on your connection. You will receive login instructionsand materials prior to the seminar. If you do not receive confirmation uponregistering, email support @conferenceedge.com.An On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (24/7). Anyone at your branch may access the programonline using the login. With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).




date


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

Three Ways to Register (Payment required to complete registration):!dseiKev2’)IO,,I2y,I.I,,,OvO/.wje&sm

day of eaent(Mail: Mail: completed form with check payable to ConferenceEdge

1516 Xavier St., Ste 500, Denver, CO 80204IMail 10 days prior to eventl

Phone: Call ContererrceEdge at (877) 988-7526 Icredit LaTd payments onlylEarlier registration allows time to test your computer for an optimal experience.

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

I Improving & Delivering Credit Scores to Your CustomersMarch 17, 2015


Improving and Delivering Credit ScoresLive Webinar $26S memOn-Demand Webinar* O$280 mem

March 5,2015$530 nonmemD$560 nonmem

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

(up to the

Audience


Session 1 will help you understand the core elements of riskassessments and methods to simplify the process. Session 2highlights current threats, real procedures you can follow and theimportance of forensics when digital robbery occurs.

Part I — March 5, 2015ACH Risk ManagementAdopting sound business practices to help manage your risk and tomaintain compliance with the NACHA Operating Rules are keysto your financial institutions successful use of the ACH Network.This webinar is designed to help you understand the risksassociated with the ACH and how to help mitigate those risks. Youwill:

— Understand the different types of ACH Risk.Walk away with tips on establishing appropriate riskprocedures, systems and controlsGain an understanding on managing the risk of Originatorsand/or Third Party Senders

— Increase your knowledge on information regarding the ODFJ’sright to audit ACH network participants

AudienceThis webinar is a perfect course for compliance, audit, operationsand senior management.

Part II — March 18, 2015ACH ComplianceAttend this webinar and walk away with the knowledge you needto understand the compliance requirements associated withprocessing ACH entries on a day-to-day basis, including updates toACH Network Risk and Enforcement. We will:

Discuss RDFI and ODFI responsibilities within the ACHRules

— Review how UCC4A interacts with ACHReview BSAIALM handbook and its interaction with IATentriesReview compliance issues with Regulation E

AudienceThis webinar is a must attend for compliance, audit, operations,senior management and those sitting for the AAP exam.

PresenterMary Kate Cole, AAP, CAE, principal of MK Cole Consulting,has nearly two decades of bank operations experience. Currently,Kate is working with Management HQ as an Account Coordinatorand Office Manager. As Vice President of the Upper MidwestACH Association, she was responsible for member education andproblem solving as well as ACH development projects. Kate hasbeen active in several National ACH Association Rules WorkGroups over her career. She is a popular speaker at both local andnational conferences on electronic payments related topics.

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and otherinteractive features. The program may be viewed on most devices(computer, tablet, smart phone). No special hardware is needed;however, speakers or headphones are required. Each Live Webinarregistration provides one connection to the webinar, materials and

access to the On-Demand Webinar for 30 days. You may have unlimitedlisteners on your connection. You will receive login instructions andmaterials prior to the seminar. If you do not receive confirmation uponregistering, email support @conferenceedge.com.An On-Demand Webinar is a webinar that has been recorded and canbe viewed at your convenience (24/7). Anyone at your branch mayaccess the program online using the login. With an On-DemandWebinar, you have 6 months unlimited access to the program from thedate of purchase (access to the live webinar is not included).

Add [email protected] as a safe sender on your email or have yourIT Administrator add mail.confedge.com to the SPF records or to youremail system whitelist to ensure that you receive emails from theregistration system.

Transmission, retransmission or republishing of the audio portion of theseminar is prohibited. Your registration entitles you to I connection atI location with permission to copy materials for participants. Completeone registration per location.


ACH Risk Assessment March 5, 2015Live Webinar D$265 mem I$530 nonmemOn-Demand Webinar* $280 mem $560 nonmemACH Compliance March 18, 2015Live Webinar D$265 mem $53O nonmemOn-Demand Webinar* D$280 mem $56O nonmem



Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

Three Ways to Register (Payment required to complete registration):)Z-,,pW’ (up to the

day of event)


Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments only)Earlier registration allows time to test your computer for an optimal experience.


ACH Risk Management & ComplianceMarch 5 & 18, 2015



Information SecurityRisk Assessments & Incident Response

March 12 & 19, 201512:30 - 2:30 p.m. Mountain Time

Session 1 will help you understand the core elements of riskassessments and methods to simplify the process. Session 2 highlightscurrent threats, real procedures you can follow and the importance offorensics when digital robbery occurs.

Part 1—March 12,2015Assessing Risk:Are you missing any Information Security Assess- ments at yourbank?Recently published FFIEC Cyber Security Assessment General Observations highlight deficiencies in current risk assessment and policypractices at fmancial institutions. This session discusses the importancefor management to understand the financial institutions inherent riskto cybersecurity threats and vulnerabilities. So what are the regulatorslooking for? Is this yet another risk assessment? We will review theregulatory guidance related to risk management and explore the coreelements of risk assessment and methods to simplify your list ofassess- ments. We will also review risk assessment frameworks andtouch spe- cifically on the following areas:

Cybersecurity risk assessmentiT risk assessmentVendor risk assessmentCommercial account risk assessment

SpeakerDr. Kevin Streff, Secure Banking Solutions (SBS), Dakota StateUniversity

Part 2— March 19,2015Incident Response without Forensics:Same as robbery without an investigation?How do you respond when notified of a malware infection? Amalware infection on your system or a customers system is the digitalequivalent to your staff notifying you about an attempted robbery.Would you choose not to investigate the robbery and just clean up themess? In a digital world, incident response plans must assist the bankin determining if they were robbed. Next, investigate what was stolenand who was responsible for stealing it. This discussion will talk abouttypes of mci- dents that are increasing in frequency for financialinstitutions and how to prepare for them. Highlighting real proceduresinstitutions can follow and how forensics is a requirement in moderncyber incidents. The following are key focuses for our digital robberydiscussion:

Trending cybercrime and malware threatsCybercrime impact on bank systems, ATM and commercialcustomers

— Standard incident response procedures— Importance of forensics

Basic forensic processesThe goal is to highlight the threats faced by financial institutions todayand increase awareness to the importance of forensics in incidentresponse. Technical and managerial attendees will benefit.SpeakerDr. Ashley Podhradsky, Secure Banicing Solutions (SBS), DakotaState University, Drexel

AudienceSenior management, IT officers, security officers, operations officers, riskmanagers, auditors and compliance officers.





Risk Assessment March 12, 2015Live Webinar D$265 mem D$530 nonmemOn-Demand Webinar* D$280 mem $560 nonmemIncident Response March 19, 2015Live Webinar D$265 mem $530 nonmemOn-Demand Webinar* D$280 mem $560 nonmem

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


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

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

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


Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)Earlier registration allows time to test your computer for an optimal experience.

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

(i....... •T


March 20, 201512:30 - 2:30 p.m. Mountain Time

As the inevitability of higher interest rates persists, bankers musthave strategies in place to retain and attract deposit income. Thiswebinar provides techniques you can implement now to retain,atiract, price and sell deposits to ensure they remain at yourinstitution.

In todays environment, many banks continue to be flush withdepos- its. However, as the stock market continues to reach newhighs and the inevitability of higher interest rates persist, bankersneed to have strategies in place to retain and attract deposits in2015. This webinar will discuss strategies on how to retain, attractand price your deposits to ensure they remain at your institution.Karl will start with a pricing model that makes sense in today’sworld -- one that can decrease your cost of funds withoutinterfering with those best customers and their needs. Neil willthen describe how pricing can be refined and integrated into sellingstrategies ranging from simple to complex, de- fensive to offensiveand common to cutting edge.

Why Attend?You will discover techniques that you can implement immediatelyto improve profitability and retain your best customers andaccounts. You will also become aware of the competitive threatsthat you will need to address as the competition for fundingevolves.

Hihli2htsRetaining and attracting depositsStrategies on pricing depositsDecrease costs without interfering with your best customersIntegrate pricing strategies into selling strategies

— Improve profitability and retain customers— Identify competitive threats

AudienceCFOs, Senior Management, Branch Managers and MarketingOfficers.

SpeakersKarl Nelson is President and CEO of KPN Consulting, an organization engaged in the ALCO, Funding and Liquidity arena. His careerhas included senior positions with Silverton Bank, IDC Deposits andPromontory Interfinancial Network. Karl also served as an SVP withthe Federal Home Loan Bank, managing the sales and marketing,strategic planning and trade association/regulatory outreach andserved on the bank’s ALCO. Prior to joining the Home Loan Bank,he was involved for 18 years with various regional banks.Neil Stanley is CEO and founder of Bank Performance Strategies. His day of event)

company helps client banks attract properly-priced, longer-term core Mail:

retail deposits. Neil was a bank executive for over 22 years with whatbecame the largest privately held banking organization in the country- First National of Nebraska / Lauritzen Corporation where he served

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and otherinteractive features. The program may be viewed on most devices(computer, tablet, smart phone). No special hardware is needed; however,speakers or headphones are required. Each Live Webinar registrationprovides one connection to the webinar, materials and access to the On-Demand Webinar for 30 days. You may have unlimited listeners on yourconnection. You will receive login instructions and materials prior to theseminar. If you do not receive confirmation upon registering, emailsupport @conferenceedge.com.An On-Demand Webinar is a webinar that has been recorded and can beviewed at your convenience (24/7). Anyone at your branch may access theprogram online using the login. With an On-Demand Webinar, you have 6months unlimited access to the program from the date of purchase (accessto the live webinar is not included).


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


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


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail

___

Best Practices in Retaining, Attracting & Pricing Deposits

Retaining, Attracting & Pricing DepositsLive Webinar D$265 memOn-Demand Webinar* D$280 mem

March 20,2015$530$56O

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

Mail: completed form with check payable to ConferenceEdge1516 Xavier St., Ste 500, Denver, CO 80204(Mail 10 days prior to event)


as Chief Investment and Liquidity Officer and Vice President inSupport: (for faster service please submit via email or online):

general administration and supervision of community banks. Neil also Registration Questions: Email: [email protected], Phone:taught in the Economics department at Iowa State University. (877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:

http://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].

—zJ

Wyoming Bankers Association2015 Understanding the New Integrated Disclosure Rules

The New Closing DisclosureA Three-Part Webinar Series

February 17, March 3, & March 23, 201512:30-2:30 p.m. Mountain Time

The Integrated Disclosure miles axe monumental. This comprehensive webinar seriesexplains the hundreds of pages of new regulations to help you prepare for the August1,2015, effective date.

The CFPB published a final rule to implement the new integrated disclosures onNovember 20,2013. The nile completes the Dodd-Frank mandate to combine thedisclosures required by TILA and RESPA. The new Loan Estimate form combinesthe old Good Faith Estimate with an early Truth in Lending disclosure. The newClosing Disclosure combines the old HUD-1/A with the final Truth in LendingDisclosure. The forms are different, as are the rules surrounding the forms.Coverage, timing and many other requirements have changed.

Session HiehliehtsGeneral Rules - February 17,2015• The new, expanded coverage and exemption rules including:• Which departments and products are covered?• The effective date of the new rule and how it is applied;• The timing rules for the Loan Estimate and Closing Disclosure;• The limits on pre-disciosure activities;• When estimates are considered to be ‘in good faith” and the applicable

tolerances;• When revised disclosures are allowed, including situations such as changed

circumstances and borrower requests;• When revised disclosures are needed and how they are delivered;• Changes before consummation that do not require a new waiting period;• Changes before consummation that do require a new waiting period; and• Rules regarding changes due to events occurring after consummation.The New Loan Estimate -March 3,2015Content, form completion and formatting rules are covered, including:• Long terms; • Adjustable payment table;• Projected payments; • Adjustable interest table;• Costs at closing; • Contact information;• Web site reference; • Comparisons;• Loan costs; • Other considerations;• Other costs; • Signature statement; and• Calculating cash to close; • Form of disclosuresThe New Closing Disclosure - March 23,2015Content, form completion and formatting rules are covered. Rules related to the newSpecial Information Booklet are also presented. Coverage includes:• Long terms; • Calculating cash to close;• Projected payments; • Borrower’s transaction summary;• Costs at closing; • Seller’s transaction summary;• Loan costs; • Loan disclosures;• Other costs; • Adjustable payment table;• Closing costs totals; • Adjustable interest table;• Loan calculations; • Contact information;• Other disclosures; • Signature statement; and• Questions notice; • Form of disclosures

PresenterJack Ilolzknecht, CRCM

AudienceManagers, compliance officers, loan officers, auditors and others responsible forpreparing, delivering or auditing the new disclosures.

Why Participate?Now is the time to begin the challenge of understanding the new disclosures. Loanorigination software will play a key role in implementation, but there is much tocomplete before using the revised software. Restructuring product types and featuresmay be necessary. You must decide which tasks are to be performed by thesettlement agent and by your institution. Third-party settlement service providersneed to be informed of the changes. Staff members need training. And, the loanorigination software must be tested. This three-part program provides all of theinformation needed to understand the new forms and the new requirements.

A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smart phone).No special hardware is needed; however, speakers or headphones are required. EachLive Webinar registration provides one connection to the webinar, materials andaccess to the On-Demand Webinar for 30 days. You may have unlimited listeners onyour connection. You will receive login instructions and materials prior to the seminar.If you do not receive confirmation upon registering, [email protected] On-Demand Webinar is a webinar that has been recorded and can be viewed atyour convenience (24/7). Anyone at your branch may access the program online usingthe login. With an On-Demand Webinar, you have 6 months unlimited access to theprogram from the date of purchase (access to the live webinar is not included).


Transmission, retransmission or republishing of the audio portion of the seminar isprohibited. Your registration entitles you to I connection at I location with permissionto copy materials for participants. Complete one registration per location.


date

We cannot guarantee registration for incomplete and/or illegibleregistration forms received. Please complete the form and type orwrite carefully.

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

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

Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments only)Earlier registration allows time to test your computer for an optimal experience.

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

General RulesLive WebinarOn-Demand Webinar*

New Loan EstimateLive WebinarOn-Demand Webinar*

New Closing DisclosureLive WebinarOn-Demand Webinare

D$265 memO$280 mem

$265 memD$280 mem

D$265 memD$280 mem

February 17,2015$53o nonmem$56o nonmem

March 3,2015$53O$560 nonmem

March 23,2015l$53o non mem$560 nonmem

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

About Webinars

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


This webinar provides a comprehensive overview of essential realestate loan documentation requirements, regulatory complianceissues, sound loan administration issues and best practices.

All necessary real estate loan documents and requirements will bediscussed with a focus on their purpose, use, timing and legalaspects. Key points of concern from both a legal and creditviewpoint will be discussed.

Hi2hli2hts• Notes and deeds of trustlmortgage: placing effective liens on

real estate;• Legal descriptions of real estate;• Appraisals and appraisal regulations;• Purchase agreement/earnest money contracts;• Surveys;• Title commitments and title insurance policies;• Federal Regulations: RESPA, Flood Disaster Protection Act,

environmental risk, HMDA, etc.;• Closing documentation; and• Essential loan administration issues, loan agreements and

construction lending monitoring requirements.

Audience• Loan officers;• Loan assistants/secretaries;• Loan operations personnel;• Loan review personnel;• Compliance and audit personnel; or• Any banker wishing to enhance his/her knowledge and

understanding of the “hows” and “whys” of real estate securedlending.

Bankers new to real estate lending and bankers with years ofexperience will find the program beneficial, either as a source ofnew knowledge and understanding, or as a refresher and update.

PresenterRobin Russell is a partner with the law firm of Andrews KurthL.L.P., practicing in the areas of banking, bankruptcy andcorporate finance, representing banks, insurance companies,corporate and individual borrowers in secured commercial andconsumer lending transactions. Robin is the author of TBA’ sbestselling “Texas Secured Lending Guide” and the “TexasReal Estate Lending Guide.”

HhhliphtsCheck out the following upcoming and on-demand webinars atwww.texasbankers.com/WebinarCatalog:• Financial Statement & Tax Return Analysis (2/23/15 &

2/25/15)• C&I Lending (1/30/15 & 2/6/15)• Loan Documentation 101 (1/26/15, 1/28/15 & 2/2/15)• Loan Review (1/23/14)• Loan Participations for Community Banks (12/10/14)• Top Loan Documentation Mistakes & Questions (11/14/14)

• Commercial Real Estate Loan Documentation (10/15/14)• Lending Essentials: Business Entities (3/3/14)

Name Title

Bank/Company

Mailing Address

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Phone/Fax

E-mail


day of event)



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

Basics of Real Estate Loan DocumentationMarch 24 & 26, 2015

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

What is a Webinar?A webinar is an online seminar featuring audio, PowerPoint and other interactivefeatures. The program may be viewed on most devices (computer, tablet, smartphone). No special hardware is needed; however, speakers or headphones arerequired. Each Live Webinar registration provides one connection to thewebinar, materials and access to the On-Demand Webinar for 30 days. You mayhave unlimited listeners on your connection. You will receive login instructionsand materials prior to the seminar. If you do not receive confirmation uponregistering, email support @conferenceedge.com.An On-Demand Webinar is a webinar that has been recorded and can be viewedat your convenience (24/7). Anyone at your branch may access the programonline using the login. With an On-Demand Webinar, you have 6 monthsunlimited access to the program from the date of purchase (access to the livewebinar is not included).



Please check all appropriate boxes: SW2-1118Real Estate Loan DocumentationLive WebinarOn-Demand Webinar*

D$500 mem$530 mem

March 24 & 26,2015$1,00O non memD$1,060 non mem

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



Design and implement a standardized, institution-wick SecurityProgram that meets or exceeds regulatory requirements. This webinarprovides a comprehensive overview ofthe securityfunction.

“Security” isn’t just about alarms, robbery procedures and filing Suspicious Activity Reports. “Security” has become the evolutionaryprocess that provides a safe, secure environment for employees towork and for customers to do business. Used appropriately, it canbecome a power- ful force in averting losses and recovering funds andproperty. Used inappropriately, it can ruin the organization and itscustomers. Under- standing the security function and the SecurityOfficer’s role is as important as understanding the governingregulations themselves.

Why Attend?This workshop provides a logical and strategic model that will helpsenior managers and security personnel understand the true scope ofsecurity-related regulations and industry-standard practices. The Security Officer may use this model to design and implement a standardized Security Program that meets or exceeds regulatory requirements.

Hihlihts— What Are The Recognized Security ‘Basics’?

What Are The Security Function’s Primary Responsibilities?— What Are The Most Common Types of Security-Related Events

And Crimes?— What Are The Most Common Types of Offenders?— What Are The Employees’ Responsibilities?

What Are The Potential Costs To The Institution?What Will Affect The Institution’s Security & Loss PreventionEfforts?

— What Are “Industry-Standard Security Practices”?How Should The Relationship Between The Security Function &The Board of Directors Work?

— What Issues Must The Security Program Address?What Does The Bank Protection Act Really Mean?What Other Safety & Security Regulations May Be Applicable?

— How Should The Security Department Fulfill RegulatoryRequirements?When Did The Security Department Become A Business Unit?Who Manages The Security Department?

— What Should The Annual Security Program Report Contain?What Other Responsibilities Should Be Given To The SecurityDepartment?Why Do The Institution’s Needs Determine The SecurityOfficer’s Duties?What Common Security Practices Should Be Applied?What Are The Security Officer’s Most Common Problems?Who Else Has Security Responsibilities?

PresenterDana Turner has served as a law enforcement officer in several capacities - including the investigation of business and banking crimes.Dana has delivered thousands of platform and web presentations. Hehas participated in continuing education programs offered by bankingassociations, state and federal examining and law enforcement agencies and security, audit and human resources organizations.

AudienceSecurity Officers and Assistants, Board of Directors, Auditors, HumanResources Managers, Training Managers and Compliance Officers.




Please check all appropriate boxes SW2-1312

date


Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail


day of event)


Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments onlylEarlier registration allows time to test your computer for art optimal experience.

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

Security Officer WorkshopTwo-Part Webinar

March 25 & April 1, 201512:30 - 2:30 p.m. Mountain Time

Security Officer WorkshopLive WebinarOn-Demand Webinar*

D$500 memD$530 mem

March25 & April 1,2015$1,000 nonmem$1,O6O non mem

4lncludes online access to a copy of the webinar for 6 months from purchase

Financial institutions rely heavily on the information contained inSSAE16 reports. Gain important knowledge about properlyunderstanding these reports to better control risk management inoutsourced relationships and make more effective decisions.

In todays technology-driven world, we continually look atoutsourcing relationships to provide our institution and ourcustomers with new products and services. The confidentiality,integrity and availability of customer data remains ourresponsibility regardless whether it’s in- house or outsourced. Thisdiscussion will explore the complexities of an outsourcedrelationship, threats against customer data and controls used tomitigate risk.

Why Participate?The American Institute of Certified Public Accountants (AICPA)has retired the Statement on Auditing Standards No. 70 (SAS 70)with a new process containing 3 Service Organization Controlreporting types. These include the Service Organization ControlsNo. I (SOC 1), Service Organization Controls No. 2 (SOC 2) andService Organi- zation Controls No. 3 (SOC 3) report types.Employees responsible for vendor management and third partymanagement will gain important knowledge about properlyunderstanding these reports to better control risk management inoutsourced relationships. Members of management will obtain aclear understanding of risks to customer information andimportance of SSAE16 reports. This discussion will empowermanagement teams to make more effective decisions.

HihlihtsFinancial institutions rely heavily on the information contained inSSAEI6 reports to understand and manage risk. This discussionwill explore the following:

— Technology outsourcing trends— Threats from outsourcing— Retired SAS7O and why— Purpose of new SSAE16— Report types (SOC1, SOC2 and SOC3)— Shortcomings in SSAE16— Extracting value from reports

AudienceChief Technology Officers, Information Security Officers, CFOs,Compliance Officers, Risk Managers and Auditors at third-partyservice providers or user entities of third-party service providers.

About WebinarsA webinar is an online seminar featuring audio, PowerPoint and otherinteractive features. The program may be viewed on most devices(computer, tablet, smart phone). No special hardware is needed; however,speakers or headphones are required. Each Live Webinar registrationprovides one connection to the webinar, materials and access to the On-Demand Webinar for 30 days. You may have unlimited listeners on yourconnection. You will receive login instructions and materials prior to theseminar. If you do not receive confirmation upon registering, [email protected] On-Demand Webinar is a webinar that has been recorded and can beviewed at your convenience (24/7). Anyone at your branch may access theprogram online using the login. With an On-Demand Webinar, you have 6months unlimited access to the program from the date of purchase (accessto the live webinar is not included).


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


55AE16 March 27, 2015Live Webinar D$265 mem $530 nonmemOn-Demand Webinar* D$280 mem $560 nonmem



Name Title

Bank/Company

Mailing Address

City/State/Zip

Phone/Fax

E-mail


Extracting Information from an SSAE16March 27, 2015


Three Ways to Register (Payment required to complete registration):PresenterJerry 1’IcC1urg, CISSP, CIS.A, CEH, is an fl’ Consultant for Secure .

day of event)Banking Solutions (SBS) and adjunct faculty member at the Mail: Mail: completed form with check payable to ConferenceEdgeUniversity of Arkansas Fort Smith. Jerry’s educational history includes 1516 Xavier St., Ste 500, Denver, CO 80204a Bachelor’s degree in Psychology, a master’s degree in Information (Mail 10 days prior to event)

Technology and is currently pursuing a doctoral degree in Educational Phone: Call ConferenceEdge at (877) 988-7526 Icredit card payments onlyl

Technology. Using real-world cyber-attack techniques, Jerry has Earlier registration allows time to test your computer for an optimal experience.

successfully compromised hundreds of corporate networks and Support: (for faster service please submit via email or online):provided education to them. Registration Questions: Email: [email protected], Phone:

(877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online:htto://support.omnovia.com; Seminar Content Questions: Contact TBA at(512)472-8388 or email [email protected].

Best-Ever ComplianceChecklists for Commercial

LoansA web-based seminar

Tuesday, March 3rd, 2015

12:30 PM—2:30 PM Mountain Time

Program Content:

We tend to think of business and agricultural loans asbeing exempt from troublesome compliancerequirements. But several compliance-related laws applyto commercial loans as well as consumer loans. Thischecklist guides bankers through those traps andensures compliance.

Covered Topics:

• HMDA (for HMDA banks)• Customer identification (CIP)• Environmental risk analysis• Appraisal/evaluation rules• Reg B rules (adverse action, appraisal copy,

joint credit)• Flood insurance requirements• In addition to addressing the compliance issues,

this checklist (and accompanying handout) willprovide “best practice” suggestions andreminders that commonly apply to commercialloans. We’ll include information on business-entity documentation, underwriting documents,guarantors and security interests.

Who Should Attend:This webinar will be helpful to lenders, loan processors,compliance officers and loan review personnel.

Presenter:

For almost thirty years, Anne Lolley has been simplifyingcompliance issues for bankers. After earning her lawdegree from the University of Kansas, she joined theKansas Bankers Association, where she developed itssuccessful legal department and gave compliance-related seminars. She has been a compliance officer fortwo banks and currently works with Bank ManagementServices, where she continues to provide webinars toKansas bankers. Her expertise at simplifying thecomplex and creating user-friendly reference manualshas made her a popular instructor.

Cancellation Policy:

Refunds will be given only for cancellations received inwritten form 3 business days prior to the program. Ifyour bank is

unable to participate after registering, you can alsoselect to receive an OnDemand website link to see theinformation online of the seminar at no additional charge.

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

Name:

Bank:

Address:

City, State, ZIP:

_______________________________

Phone:

*Email Address:

_______________________________

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

Please check one of the following:D “Live”Web connectionD Additional connection for a branchD 6-month “OriDemand” website link only

CD-ROM and materials onlyD Live plus OnDemandwebsite linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials

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

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

Card Number: —

Expiration Date:

Signature:

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

WYOMING BANKERS ASSOCIATION

$265$75

$295$325$365

$395

Completing The SAR: Line ByLine

A web-based seminarWednesday, March 4th, 2015

9:00 AM—12:00 PM Mountain Time

Program Content:Electronic filing of suspicious activity first came into being inMarch of 2012, and is here to stay. Electronic filing facilitates24-hour analysis and very specific reporting. State of the arttechnology, instant global transmission of funds and theproliferation of international nefarious criminal organizationshave mandated investigative agencies to develop transnationalintelligence driven strategies to fight worldwide crime. Thisprogram is designed with the end users, namely financialinvestigators, to develop effective financial case. CompletingThe SAR will cover proper line-by-line completion of theSuspicious Activity Report.

Covered Topics:The Who Subject Information - SAR Part 1- Items 1

to 25o Introduction of BSA / FinCENo SAR reporting statute / Protectionso Use of information on SARo Types and recognition of fraudulent lOso Security initiatives and National ID programo Instructions for Completion of Items 1

through 25The What Suspicious Activity Information - SAR Part

2 - Items 26 to 45o Manifestations of suspicious activityo Types of illegal activity: Structuring, Terrorist

Funding, Fraud, Money Laundering, SpecificUnlawful Activities (SUAs)

o Instructions for completion of Items 26through 45

• The Narrative Preserving The Activity In Writing -

SAR Part 5 - Suspicious Activity Informationo Use of Line Item headerso Role of Narrative in the investigative processo 5WsandHo Characteristics of a good reporto Rules for writing SAR narratives

• Questions and Conclusion

Who Should Attend:This webinar is designed for BSA Officers, BSA Coordinators,Compliance Officers, Security Officers, OFAC Officers andstaff who assist with compliance issues in the OFAC area.

Presenter:Peter Orosz has over 29 years in the Drug EnforcementAdministration as a Special Agent/Supervisory Special Agentconducting and supervising investigations of drug traffickingand money laundering organizations at international, national,regional and local levels. He has utilized highly specializedinvestigative techniques to obtain evidence to arrest, prosecuteand convict members of drug trafficking and money launderingorganizations and identify, seize and prosecute illegallyobtained proceeds, i.e., currency, real property, conveyances,high value items. Throughout his career, Pete has providedtraining to federal, state and local organizations throughout theU.S. on subject matter relating to law enforcement, security,financial investigations, asset forfeiture, report writing andprosecutorial case preparation. Pete has Masters of Education

/1FA1WYOMING BANKERS ASSOCIATION

and Bachelor of Science in Criminal Justice from ColumbusState University in Columbus, Georgia.

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

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

Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

_______________________________

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

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

materials

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

Method of Payment:D Please invoice our bankD Check made payable to US

Mastercard D Visa

Card Number: —

Expiration Date:

Signature:

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

$265$75

$295

$325

$365

$395

For Salespeople: Grow YourBusiness with Introductions!

A web-based seminarMonday, March 9th, 2015

11:00 AM—12:00 PM Mountain Time

Program Content:How did you initially meet and then gain the relationshipswith your best clients? Typically, when we asksuccessful financial salespeople this question, they tellus that they were introduced by another client who was araving fan of theirs. Successful bankers consistently askfor introductions. It is part of their prospecting practice.How about you? Do you regularly ask for introductionsand if not, why not?

Jack Kasel, Sales Development Expert with AnthonyCole Training Group, works with financial salespeopleacross the country. Jack will show you a unique processyou can adopt immediately to get comfortable with howand when to ask your best clients for introductions. Thisis the most effective way to grow your business!

Covered Topics:• Get into the right mindset about working with

your advocates to grow your business• Provide you with an approach (not a script!) for

you to customize to your comfort• Make sure that you can clearly articulate your

sandbox’ for introductions• Create a compelling Unique Sales Approach• Develop a systematic process for getting

introductions

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

Presenter:Jack’s 30+ years in sales and sales management spansa host of industries including software, transportation,vending and printing services. During his tenure atFedEx, he was in charge of all aspects of regionaltraining prior to being promoted to District Manager. Jackbrings the deep experience of feet on the street,practical selling as well as the coaching and trainingbackground to make a difference in your organization.

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


Name:

Bank:

Address:


City, State, ZIP:

Phone:

*Email Address:

________________________________

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

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

materials

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

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

Card Number: —

Expiration Date:

Signature:


$165

$50$185$215

$235

$265

Notary PublicA web-based seminar

Thursday, March 12th, 20159:00 AM—11:00 AM Mountain Time

Program Content:Being a notary public is a responsibility assumed bymany financial institution employees. Unfortunately,most do not understand the personal liability assumedwhen agreeing to serve in this capacity. This two hourwebinar is designed to provide notaries with the bestpractices for dealing with issues that are unique to thefinancial industry. This session is a way to make sureyour team knows their responsibilities as well as basiclaws, liability and reviews various notarial acts.



Name:

Bank:

Address:

Covered Topics:• Basic Notary Public laws• The responsibilities of a Notary Public• Conflicts of interest• What happens when the law and the employer

don’t agree• The different types of notarial acts• Notarial liability and why notaries are sued

Who Should Attend:This informative session is designed for managers,supervisors, current notaries as well as potential newnotaries.

Presenter:Tern D. Thomas, JD is the Director of the KansasBankers Association Legal Department, whichspecializes in providing compliance and legal assistanceto Kansas banks.

Tern has worked with financial institutions for thirty yearsin various capacities. Most notably, she served forfourteen years as in-house legal counsel and trust officerfor Bank of America and its Kansas predecessors. Shehas also served as a trust department manager andbranch manager.

Receiving her Bachelor of Arts degree from KansasState University in 1985, Tern continued her educationat Washburn University School of Law and obtained herJuris Doctor in 1988. Presently, she serves as anAdjunct Professor at Washburn University School of Lawin Topeka, Kansas, and is a frequent seminar presenterfor financial associations in the Midwest.


City, State, ZIP:

_______________________________

Phone:

*Email Address:

_______________________________

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

Please check one of the following:E “Live’ Web connectionD Additional connection for a branchD 6-month “OnDemand’ website link onlyD CD-ROM and matenals onlyEJ Live plus OnDemandwebsite linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials


Method of Payment:D Please invoice our bank

Check made payable to USE Mastercard 0 Visa

Card Number: -

Expiration Date:

Signature:


$265$75

$295$325

$365$395

BSA Series: CTR & Exemptions:Reviews, Mergers, Revocations

and MoreA web-based seminarFriday, March 13th, 2015

9:00 AM—i 1:00 AM Mountain Time

Program Content:This is a good review of the Currency TransactionReport (CTR) process. We will cover completing theform and go all the way to maintaining exemptions.Learn more about who we can exempt and who wecannot exempt. Learn how to complete CTRs witharmored cards, aggregation of currency and lots ofspecial issues on the CTR itself. Not a CTR class forbeginners but more advanced for those of you managingthe CTR function at your institution.

Covered Topics:• How to Aggregate Currency Transactions• Filing and Record retention• CTR Back filing• Phase I Exemptions• Phase II Exemptions• Nonlisted Businesses• Ineligible Businesses• What is a motor vehicle?• Armored Car rules• Mergers, revoking exemptions, maintaining a

current exempt list• Line by Line review of the CTR and how to

complete it

Who Should Attend:Tellers, BSA Officers, Compliance Officers, Training andBranch Operations.

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



*Email Address:

_______________________________


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

C CD-ROM and materials only

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

materials

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

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

Card Number: -

Expiration Date:

Signature:



Name:

______

Bank:

_______

Address:

_____

City, State, ZIP:

Phone:

$265$75

$295$325$365$395

Writing a New AccountsProcedures Manual

A web-based seminarTuesday, March 17th, 2015

9:00 AM—11:00 AM Mountain Time

Program Content:During this webinar, we will take the core document fromdeposit accounts documentation and set up a workingdocument so that you can tailor your procedures into theframework we will provide. You will receive a “coredocument” in a word document that you can drop yourindividualized documents into and achieve one of the biggoals at many financial institutions have “standards” onopening all types of new accounts.

Covered Topics:• Review federal laws do we have to cover in the

opening of accounts• Learn the different ownership types that we

should set up sample signature cards andscreen shots for

• You will receive checklists for documents forevery type of account

• How to set up a manual like this if we are inmore than one state

• What questions should we ask and research forstate law purposes?

• You will receive a template to start the hard workand lots of guidance to help you in the process

• New Proposed CDD Rules

Who Should Attend:Training, compliance, branch operations, customerservice representatives and branch personnel whowould be involved in developing a New AccountsProcedure Manual.


Name:

Bank:

Address:

JEFPA1WYOMING BANKERS ASSOCIATION

City, State, ZIP:

Phone:

*Email Address:

_______________________________


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

materials


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

Card Number: -

Expiration Date:

Signature:




$265$75

$295$325$365$395

Fair Lending and the CFPB inUnderwriting, Servicing &

CollectionsA web-based seminar

Wednesday, March 18th, 201512:30 PM—2:30 PM Mountain Time

Program Content:Do you know what changes the CFPB has brought to FairLending with a focus on data driven’ information andconsumer complaints? Has your regulator issued anyrecent enforcement actions? How will your institution beevaluated in the next Fair Lending exam? Could you betargeted for a special Fair Lending review as an “outlier bankbased on HMDA data or “proxy” information? Learn how FairLending will be evaluated differently than ever before.

Learn about the most current ‘red flags’ identified byregulators in conducting Fair Lending exams. You can avoidmany of these pitfalls by developing simple internal controls aspart of an effective compliance management system. Learnhow to monitor exceptions to policies and procedures.

What does the required “ability to repay”documentation show about how your financialinstitution makes, prices, and documents a lendingdecisions?

• What should you know about the interagency FairLending examination procedures used by the 0CC,FDIC, and Federal Reserve?

• There are the six compliance program risk factors inFair Lending. What can you do to mitigate this riskand prevent being a high risk institution?

• How can an effective internal Fair Lending reviewhelp detect problems before the examiners arrive?

• Are there any potential Fair Lending issues in the waythat your financial institution is handling loan servicingand the collection process?

• Do your servicing and collection procedures addressconcerns about SCRA violations and the specialprotections available to active duty service members?

• The Department of Justice recently announcedseveral enforcement actions based on discriminatorytreatment on the basis of disabilities, national origin,race, and marital status. Several lenders have beensanctioned for mistreatment of applicants onmaternity leave

Who Should Attend:This informative session will benefit Loan Officers,Underwriters, Collectors, Compliance Officers, Auditors, CreditAdministrators, Risk Managers, Fair Lending Officers, andSenior Management.

Presenter:Susan Costonis is a compliance consultant and trainer. Shefrequently provides consulting services to financial institutionsregarding fair lending and other compliance managementissues. Her 37 year career in banking and training began with20 years at First National Bank, an affiliate of Wells FargoBank, in Fort Collins, CO. Susan has been a bank complianceconsultant or compliance officer in Louisiana since 1998.

During her career, Susan has successfully managedcompliance programs and exams for institutions supervised by

the CCC, FDIC, and Federal Reserve. She is a CertifiedRegulatory Compliance Manager and completed the ABAGraduate Compliance School and the Graduate BankingSchool of the University of Colorado. Susan regularly presentsseminars to financial associations.



Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

___________________________________

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

Please check one of the following:D “Live” Web connectionD Additional connection for a branchD 6-month “OnDemand”website link only

D CD-ROM and materials onlyD Live plus OnDemand webs ite linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials

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

Method of Payment:U Please invoice our bankU Check made payable to USD Mastercard Visa

Card Number: —

Expiration Date:

Signature:


Covered Topics:•

$265

$75

$295

$325

$365

$395


Health Savings Accounts -

Opening, Maintaining andReporting Requirements

A web-based seminarThursday, March 19th, 2015

9:00 AM—il :00 AM Mountain Time

Program Content:Yes, they are still around! Were you hoping they might fadeinto the sunset?

Because of the high cost of health insurance premiums, moreand more companies and individuals are enrolling in HighDeductible Health Plans (HDHP) to reduce their health carepremium costs. As they do, there is a growing need for HealthSavings Accounts to pay those medical expenses until the highdeductible has been met and the insurance co-pay kicks in.

Whether you are now offering HSAs or are thinking aboutoffering HSAs, this 2 hour extremely informative webinar willgive you the information you need to make sure you are settingthe accounts up correctly and performing the propermaintenance and reporting.




Covered Topics:• What are the 5 mandatory requirements for HSA

eligibility?• What is the definition of a HDHP?• What are the NEW contribution limits for 2015?• What responsibilities does the financial institution

have to monitor qualified medical expensewithdrawals?

• How do we handle overdrafts in an HSA account?• What kind of account should the HSA money be

invested in?• How do we re-deposit medical expense

reimbursements?• What are the IRS reporting requirements for HSA

contributions and distributions?

Who Should Attend:New Account Representatives, Certificate of DepositPersonnel, Savings Counselors, Accountholder ServiceRepresentatives, Investment and Trust Personnel who areinvolved in the opening, selling, marketing, or administration ofHSAs. Any officer/manager who “oversees” the New Accountdepartment and may be responsible for answering HSAaccountholders questions or concerns but does not actuallyopen HSA accounts.

Presenter:Patrice M. Konarik, is president and founder of SunwestTraining Corp. located in the Texas Hill Country near SanAntonio, Texas. With over 30 years experience in the financialindustry, Patrice has focused her expertise on the retirementand new account areas and is currently providing live trainingand webinars on these subjects on a nationwide basis. Shehas a BS in Management Science from New York’sBinghamton University. Many state banking associations andother organizations use her as their main source for training onthese complicated topics. Patrice’s upbeat personality andformer banking experience easily encourages interaction andquestions during the training sessions.

Address:

City, State, ZIP:

_______________________________

Phone:

*Email Address:

________________________________

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

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

11 Additional connection for a branch1 6-month “OnDemand”website link onlyEJ CD-ROM and materials onlyD Live plus OnDemandwebsite linkD Entire Package: Live, OnDemand link, and CD-ROM plus

materials

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

Method of Payment:

: Please invoice our bankD Check made payable to USD Mastercard D Visa

Card Number: —

Expiration Date:

Signature:

Name:

Bank:

$265$75

$295

$325$365

$395


Understanding Revocable andIrrevocable Trust Documents

A web-based seminar

Thursday, March 19th, 2015


Program Content:

Everyday financial institutions are required to completetransactions for customers who have created revocableand irrevocable trust. To protect the financial institution’sinterests when using these documents, it is imperative tounderstand the basic do’s and don’ts. This two hourpresentation is designed to provide financial institutionpersonnel with the best practices that can be used indealing with these complex legal documents.

Covered Topics:

• What are the differences between revocable andirrevocable trusts?

• What does it mean when a trust is called a‘living trust” versus a “testamentary trust?”

• How does the financial institution establish therelationship, including changing titles andperforming transactions (loans or deposits)?

• How many co-trustees does it take to bind thetrust?

• When can a successor trustee do business forthe trust?

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

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

(or person)?

Who Should Attend:

Financial institution employees involved with openingnew accounts, deposit or loan documentation andoperations will find this seminar very useful in handlingdaily day-to-day transactions.

Presenter:

Tern D. Thomas is Senior VP and Legal DepartmentDirector for the Kansas Bankers Association. Prior tothis, she was with “Bankers Choice,” a financialconsulting firm. Before this, Tern was employed in thefinancial industry for over twenty-three years in variouscapacities. Most notably, she served for fourteen yearsas in-house legal counsel and trust officer for Bank ofAmerica and its Kansas predecessors. Receiving herBachelor of Arts degree from Kansas State University in1985, Tern continued her education at WashburnUniversity School of Law and obtained her Juris Doctorin 1988.Presently, she serves as an adjunct instructor atWashburn University School of Law and the University ofKansas School of Law and is a frequent seminarpresenter for financial associations.


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


Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

_______________________________

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

Please check one of the following:C “Live” Web connectionC Additional connection for a branchO 6-month “OnDemand” website link only0 CD-ROM and materials onlyC Live plus OnDemand website linkC Entire Package: Live, OnDemand link, and CD-ROM plus

materials


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

Card Number: —

Expiration Date:

Signature:


$265$75

$295$325$365$395


Teller Compliance Issues: TheBig Three

A web-based seminarMonday, March 23rd, 2015


Program Content:UCC 3 & 4, Regulation CC (Availability of Funds andCollection of Checks) and CTRs (Currency TransactionReports) are the big three compliance areas for tellerswhich require training. These statutes and regulationsform the back bone of the teller job. You will learnendorsements, stop payment orders, death issues andstale dated/postdated check laws. You will also receiveannual training on placing holds and giving out newaccount disclosures under Regulation CC. And to cap itoff we will look at the CTR and how to complete theelectronic form.

Covered Topics:• Types of endorsements• Simple teller rules to stop losses• Legal issues on checks: Stop payments, stale

dated, postdated checks• When do we know the account holder has died• How to place holds• When to place holds• Forms, problems and more on Reg CC• CTR line by line for tellers

Who Should Attend:Tellers, Head Tellers, Teller Supervisors, Training,Branch Managers and Branch Operations.


Name:

Bank:

Address:

City, State, ZIP:

_______________________________

Phone:

*Email Address:

_______________________________

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

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

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

materials

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

Method of Payment:D Please invoice our bankD Check made payable to US

Mastercard 0 Visa

Card Number: -

Expiration Date:

Signature:


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



$265$75

$295$325$365$395

Five Habits of Highly EffectiveSupervisors

A web-based seminarTuesday, March 24th, 2015

9:00 AM—i 0:00 AM Mountain Time

Program Content:What does it take to be an effective supervisor today? Withdownsizing, rightsizing, doing more work with less people toname a few, the effectiveness of the supervisor is called intoquestion like never before.

In this fast paced two hour webinar explore what behaviorshelp you reach the top of effectiveness scale and which mightneed honing. No one can be expected to be perfect, but wecertainly have no chance at even coming close if we haven’tany awareness of where we might fall short of satisfactory.

Spend some time learning not only what it takes, but take awaytips to arm you with the habits that will make you effective!


receive an OnDemand website link to see the informationonline of the seminar at no additional charge.


Name:

Bank:

Address:

Covered Topics:• The habits you need to stay at the top of your game• The habits you need to keep your employees at the

top of theirs• The habits of clear analysis and effective decision

making and problem solving

Who Should Attend:Any leader within the institution that is responsible to get workdone through others as well as produce results on their own.

Presenter:Janice Branch has been a senior training consultant forInterAction Training for twenty years. She is a very seasonedpresenter that has all the right stuff to wow her participantsabout the subject matter. Prior to joining InterAction Training,Janice was the Senior Manager of Training for ConsolidatedCommunications where she managed, designed, coordinatedand presented training programs for this multi-statetelecommunications company with over 1000 employees.

Whether it is teaching how to coach, manage, lead, negotiate,service, sell or train at every level in an organization or if it isconsulting on problem solving and servant leadership, Janiceis the ‘go-to’ person every bank wants to hear from.Participants appreciate her “been there, done that” humoralong with her expert ability to facilitate learning.

Janice has obtained a Bachelor of Business Administrationwith a major in Management from Almeda University and iscertified by the University of Houston in Leadership andManagement. In addition, Janice has obtained trainercertifications from Achieve Global and DevelopmentDimensions, Inc.

A native Texan she enjoys many pursuits in addition toteaching and learning but none more than being agrandmother and tending to her ten acre home in Montgomery,Texas just north of Houston.

Cancellation Policy:Refunds will be given only for cancellations received in writtenform 3 business days prior to the program. If your bank isunable to participate after registering, you can also select to

City, State, ZIP:

______________________________

Phone:

*Email Address:

________________________________


Please check one of the following:D “Live” Web connectionD Additional connection for a branchD 6-month “OnDemand” webs ite link onlyL CD-ROM and materials only1 Live plus OnDemandwebsite linkE Entire Package: Live, OnDemand link, and CD-ROM plus

materials

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

$265$75

$295

$325$365

$395

Method of Payment:0 Please invoice our bankC Check made payable to USD Mastercard 0 Visa

Card Number:

________________________________

Expiration Date:

________________________________

Signature:


Is Your Environmental RiskManagement Program Working

for You?A web-based seminar

Tuesday, March 24th, 2015


Program Content:

Is your ERM (environmental risk management) policyworking for you and your organization? ERMs can lowerrisk, increase competitiveness and reduce costsassociated with environmental issues. It’s also essentialto your institution that your ERM policy and practices areconsistent, and up-to-date, with regulatory guidance.Learn how to ensure your ERM is helping you identifythe right ERM tools to manage and mitigate risk.

Covered Topics:

• Best practices for managing ERM for SpecialAssets

• Identify, and address, potential hot buttons forexaminers

• Clearly communicate expectations and needs tocustomers on ERM

• Develop effective review and updatingprocedures to ensure your ERM stays compliant

• How good ERM can reduce risk and increasecompetitiveness

Who Should Attend:

Well discuss the above and more during this informaland informative session. We invite any individualinterested in ERM, including loan review specialists,environmental reviewers, appraisal specialists/reviewers,loan workout specialists, credit specialists and more.

Presenter:

Joe Berlin, President and Founder of BLDIEnvironmental Engineering, has served clients morethan 20 years. Specializing in transactional duediligence, risk management and forensic environmentalinvestigations, he takes great pride in getting to knoweach client’s needs and goals, and creating a plan thatwill work for them. His extensive experience helps lenderprograms focus on conducting good risk management tosupport loan closings. He has been involved inthousands of transactions, including Environmental DueDiligence for purchase and refinance transactions, andparticipations and foreclosures. He has a BS and MS inengineering and an MBA. Mr. Berlin is a professionalengineer (multiple states, including KY, OH and Ml),Ohio VAP CP, a member of the National Academy ofForensic Engineers and Environmental BankersAssociation.


Refunds will be given only for cancellations received inwritten form 3 business days prior to the program. Ifyour bank is

unable to participate after registering, you can alsoselect to receive an OnDemand website link to see theinformation online of the seminar at no additional charge.

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

Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

_______________________________

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

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

materials


Method of Payment:Q Please invoice our bankD Check made payable to USD Mastercard E1 Visa

Card Number: —

Expiration Date:

Signature:



$265$75

$295$325$365$395

Controlling the Risks of Powerof Attorney Documents

A web-based seminarThursday, March 26th, 2015


Program Content:Everyday financial institutions are required to completetransactions for customers that involve Power of Attorneydocuments. To protect the financial institution’s interests whenusing these documents, it is imperative to understand the basicdo’s and don’ts. This two hour presentation is designed toprovide financial institution personnel with the best practicesthat can be used in dealing with these complex legaldocuments.

Covered Topics:• What is the relationship between the customer, the

attorney-in-fact and the financial institution?• What is the difference between a durable and non

durable power of attorney?• How does a financial institution determine if a power

of attorney is general or limited?• What steps must a financial institution take to protect

itself when relying on a Power of Attorney?• What language should the financial institution look for

in the Power of Attorney document when completing atransaction for the attorney-in-fact?

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

• What transactions create the greatest risks forfinancial institutions relying on power of attorneydocuments?

• What attorney-in-fact representations may a financialinstitution typically rely upon?

• How should a financial institution handle out-of-statepowers of attorney?

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

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



Name:

Bank:

Address:

City, State, ZIP:

Phone:

*Email Address:

_______________________________

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

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

materials

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


$265$75

$295$325$365$395

Method of Payment:0 Please invoice our bankD Check made payable to US0 Mastercard 0 Visa

Card Number: -

Expiration Date:

Signature:


ProgramSBS

instFltute

The SBS Institute is a devotedproIder of training and education.These new certifications willenhance employees’ skill sets andbroaden their knowledge base.

SBS Institute

The SBS Institute serves communitybanks by providing educationalprograms that will certify a bankerhas the knowledge and skills toprotect against todays informationsecurity threats. The certificationprograms offered by the instituteare uniquely designed to addresscommunity banking needs, usingcommunity banking problems andsolutions. Properly trained bankingprofessionals will improve thesecurity around customer dataand other sensitive informationentrusted to them. The certificationcommunicates to management, theboard, stakeholders, and examiners,that a professional can perform thenecessary functions to manage andreduce risk to the bank.

Enhance your skills

The help and expertise of theinstructors give students an indepthview into the community banker’sfields. The instructors will guide thestudents through the course, whichcan be delivered online or onsite.The online course is a ten weekoption which allows the student to fitthe course into their schedule. Thestudent is able to watch lectures andcomplete any and all work at theirconvenience. The onsite option willbe offered at the discretion of yourassociation.

CCBIHTM

The Certified Community Banking

In-cident Handler Certificationincludes lectures with relevant topics

related to common incidents banksface including BYOD, Incident

Response Policies, CATO, Maiware

Analysis, Insider Threats, and databreach response.Instructor: Dr. Ashley Podhradsky

CCBEHTM

The Certified Community BankingEthical Hacking Certificationprovides attendees with a solidfoundation of theory andunderstanding along with plenty ofkeyboard experience in running thetools and interpreting the results ofpenetration testing and ethicalhacking.Instructor: Dr. Josh Pauli

CCBTPT”

This Certified Community Banking

Technology Professional

Certification program provides a

deep dive into critical componentsof an information security programto explore the technical design

and implementation of securitycontrols. The topics included in

this program are critical to the

successful implementation of an

information security program, and

will explore how they are all tied

together. An understanding of risk

management, documentation, and

auditing will be explored in

addition to possible solutions,

implementatIon approaches, and

technical considerations and

configurations. d’—Instructot Chad Kiütson

f

CCBSPTM

The Certified Community BankingSecurity Professional Certificationprogram wlil enhance each attendee’sskill set and knowledge base in theareas of information security to betterdemonstrate their abilities for riskmanagement, information securityprogram development, and auditing.It provides a framework for theentire information security programand demonstrates how to manageeach component to ensure successfulImplementation with attendees’institutions. This program is acomprehensive set of curriculum thatwill assist any decision maker whoparticipates In managing and guidingthe information security program; it’snot just for the Information SecurityOfficer.Instructor: Chad Knutson

CCBBDTM

In the Certified Community BankingBoard of DirectorsCertification, directors will learn thekey elements of each criticalcomponent of an informationsecurity program. Understandingthe results of risk assessment andaudits will assist directors in askingthe right questions, and providingInformed directives. This certificationprogram is custom developed for theunique backgrounds and needs ofdirectors, to fill In the gaps aroundtechnology, Information security andfraud concepts to protect thedirector, and to enhancetheirability to perform their duties as amember of the: board. :

Instructor: Dr. Kevin Streff:

CCBVMTM

The Certified Community BankingVendor Manager Certification providesattendees with a solid foundation oftheory, along with understanding ofthe third party management process.There will be plenty of hands onexperience in seiecting and managingvendor relationships, reviewingdocumentation, asking the rightquestions, and helping attendeesmake decisions regarding the risksof third party vendors, serviceproviders, and outsourced businesspartners. Instructor: Jon Waidman

P.O. Box 2190 (82003)200 East 8th Ave., #201

Cheyenne, WY [email protected]

(307) 638-5008

irstfltute

SBS Institute700 South Washington Ave

STE 200Madison, SD 57042

Phone: 605-269-0909Fax: 605-427-8029

[email protected]

Certification Program Fees:

Online Certification Program... $1,295

Retake Exam (member request) $150

Online Program Extension $295

Annual Membership $295

GSB Online SeminarsMarch 2015

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

Upcoming Programs (listed in start date order):For additional information— including detailed session descriptions and presenter bios—and to registeronline, please visit https://www.gsb.org/online-seminars/choose-seminar.php

IT Examination Hot SpotsMarch 2 at 2:00 p.m. Central TimePrice: $257

Want to be better prepared for your IT examination? How about learning more about the recent FFIEC and interagency guidancethat will most definitely be a focus in your upcoming IT examination? While the examiners use a standard work program based onthe FFIEC IT Examination Handbooks, there are several areas that are receiving heightened attention, some based on newerguidance like Outsourcing Third Party Risk Management or Cybersecurity. This webinar will provide an overview of the currentexamination “hot spots” and how to address them to help ensure compliance.

• Information and Cyber Security Risk Management Program• BYOD• Mobile Financial Services

*This program will be updated with the most current information and “hot spots” relevant at the time of the program.

Target Audience: CEOs, risk officer, IT personnel, information security officer, members of the IT committee, Board of Directors

Integrating Technology into Your Bank’s Strategic PlanMarch 3 at 10:00 a.m. Central TimePrice: $257

Strategic planning is one of the most effective ways of ensuring the success of your organization. This session discusses the role oftechnology planning in your overall planning efforts, providing insight to senior managers and executives as to the increasinglyvisible and important role technology plays in the banking environment. Topics include:

• Selected new technologies• Merger and acquisition planning• Managing operations and technology staff• Engaging with customer to maintain strong relationships via electronic channels

Target Audience: CEOs, board of directors, technology staff

Developing Your Incident Response Plan to Exceed Regulatory ExpectationsMarch 3 at 2:00 p.m. Central TimePrice: $257

It isn’t a matter of “if” but “when” when it comes to a breach that exposes confidential customer or corporate information. Anybreach regardless of the type or size can be potentially devastating. Financial losses are not the only concern, what about your

reputation? Financial institutions are particularly vulnerable by the very nature of the business. You have information that thieveswant, information they can parley into cold hard cash, if not the cash itself. Despite the fact that rapid response is key tosuccessfully responding to a data breach and minimizing the negative effects, the financial services industry is ma ndated toimplement security controls that include identifying potential risks, monitoring for and detecting unauthorized access, mitigating theoutcome, and notifying customers, law enforcement, and regulators when it does happen. Be sure that examiners will be lookingfor your plan.

We will cover the key regulatory requirements including state level data breach notification laws and focus on the key elements ofan Incident Response Plan.


Analyzing the Company’s Liquidity Position Using the Cash Conversion CycleMarch 4 at 10:00 a.m. Central TimePrice: $257

What is the cash conversion cycle? How do you calculate it? What does it really mean in regards to a company’s liquidity position?

Attend this webinar and learn how the banker should calculate and interpret the cash conversion cycle formula to see its directimpact on a company’s liquidity. Included in the formula will be an assessment of how a company should effectively acquireinventory, collect account receivables efficiently, and pay the account payables in a judicious manner.

Topics to be covered include:

• What is the cash conversion cycle? How is it calculated? How does it directly impact a company’s liquidity?• Inventory issues including costing methods, financing, and cost containment• Receivables and reasonable terms• Payables and the benefit of discounts• The cash conversion cycle will be applied through a case study.

Target Audience: Commercial lenders, credit analysts and business development officers

Cybersecurity and Regulatory ExpectationsMarch 4 at 10:00 a.m. Central TimePrice: $257

Given the increasing volume and sophistication of cyber threats, the FFIEC has taken on a number of initiatives to raise theawareness of financial institutions and third party service providers relating to cybersecurity risks and the need to identify, assess,and mitigate those risks. In 2013 they created the Cybersecurity and Critical Infrastructure Working Group and in 2014 beganassessing the state of the banking industries preparedness all the while assessing and enhancing their own examination proceduresand training in efforts to strengthen the oversight of cybersecurity readiness.

In this webinar we will cover:• The Cybersecurity Assessment• Executive Leadership of Cybersecurity• Recommendations for developing your Cybersecurity Program and Regulators Expectations


Is Your ATM an Oversized Slot Machine?March 4 at 2:00 p.m. Central TimePrice: $257

You have certainly had to pay attention to your ATMs in 2014, haven’t you? The End of Support for Windows XP, ATM cash-outschemes, and advanced skimming techniques have ensured that ATM security has been placed at the forefront for the first time,perhaps ever. The big question here is: what have you done to make sure the bad guys aren’t just using your ATM for free money?This course will explore some of the recent guidance around ATM security, the latest crime trends, new security controls to mitigaterisk, and how you can integrate your ATMs into your ongoing ISP testing processes regarding people, process, and technology. Thegoal here is to make sure your ATMs are secure!

Target Audience: Head of operations, risk officer, IT personnel, information security officer, members of the IT co rnmittee* This program qualifies for CCBSP, CCBTP and CCBIH CPE Credits through the 585 Institute

Interest Rate Risk Basics: Managing Earnings and Value at Risk2-part program starts March 9 at 2:00 p.m. Central TimePrice: $ 500

This program introduces the basic concept of measuring earnings and value at risk. We will explore the primary measurementrequirements from data to assumptions. The program will compare the traditional regulatory analysis to the emerging requirementsunder the new FFIEC Interest Rate Risk Guidance. The class is aimed at individuals looking to gain a better understanding of thebasic measurement tools for interest rate risk.

Participants will:• Define Income at Risk• Differentiate between the various measurement systems to assess income at risk• List 4 key variables involved in accurate measurement of income volatility• Define 5 key risks Regulators look for in income at risk measurement systems• Outline basic policy limit framework for income at risk policy• Define Value at Risk• Differentiate between the various measurement systems used to assess value at risk• List 3 key variables involved in accurate measurement of equity volatility• Explain the different between static and dynamic value at risk measurements• Describe how dynamic value at risk is used in ALCO decision making• Outline basic policy limit framework for value at risk policy

Target Audience: CEOs, CFOs, accounting/finance employees, ALCO members

Fundamentals of Interest Rate Swaps and Caps2-part program starts November 10 at 1:00 p.m. Central TimePrice: $397

Do you look at the interest rate swap curve before (or at least during) your first cup of coffee each day? If not you should.

Whether you know it or not, the interest rate swaps market plays an integral role in the every day workings of balance sheetmanagement and profitability. Becoming familiar with its nuances can mean the difference between consistent, healthy margins,and daily heartburn.

The class will explore the interest rate swaps and options market from a very basic and applied management perspective. A broaderlook at the relationship between Libor and swaps will quickly translate into a discussion on the “tools of the trade”. We will thenlook at how these tools can and should be utilized to properly price various assets and liabilities to meet management’s objectivesand expectations. From locking in a maximum rate paid on capital and funding structures, to effective pricing of fixed rate loans, theproper application of these interest rate management tools will allow you to tailor interest rate characteristics throughout thebalance sheet that will minimize your interest rate risk and maximize interest margins.

Target Audience: Senior level managers with A/L management background, ALCO committee members, senior level lenders

POS Fraud Fallout - What Steps You Can Take with Merchants

March 11 at 2:00 p.m. Central TimePrice: $257

Regardless of your decision to address the growing issues of Point-of-Sale fraud in local merchant business, one fact remains clear,losses on card data associated with your customers, will be your loss. But what can a community bank do? We will highlight areas ofawareness that merchants must be made aware of and compliance requirements for those who handle credit/debit cardtransactions. This discussion address the following areas:

• Awareness programs for merchants

• Need for forensics with fraud

• Compliance issues for merchants

• Liability shifts

• Technical controls for small business security

Target Audience: CEOs, head of operations, risk officer, IT personnel, information security officer, members of the IT committee,Board of Directors

* This program qualifies for CCBSP and CCBIH CPE Credits through the SBS Institute

Advanced Tax Return AnalysisMarch 12 at 10:00 a.m. Central TimePrice: $257

This online seminar will provide bankers with an overview of several advanced tax return concepts and related analysis. We’ll beginwith a brief synopsis of personal and business cash flow analysis (from a tax perspective) followed by a review of the followingpertinent tax topics related to business clients:

• Corporate tax issues including business structure, section 179 depreciation, and other deductions• Real estate including rentals and home offices• Investments including capital gain issues and passive activities• Estate planning including gift taxes• Employee benefits including qualified retirement plans• Retirement planning strategies including defined benefit plans• Recent changes to the tax code that impact business owners

Each of the program topics will be presented from the perspective of more effectively working with the bank’s business customers.

Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, andbusiness development officers

Turning the 5 Cs of Credit into an Objective Risk Scoring ModelMarch 12 at 2:00 p.m. Central TimePrice: $245

In this session we lay out the components of an objective dual loan grading system for C&I, Ag, and consumer credits. We identifythe objective and subjective components and discuss how grading scales can impact analysis. We will define migration analysis anddiscuss the impacts it has on ALLL reserves.

Participants will:• Understand the key components in designing a risk score model.• Review statement spreading and ratio analysis techniques.• Learn how to leverage subjective components in a risk score model.• Overview of regulatory guidance related to loan grading and risk scoring.• Understand how risk scores will impact ALLL reserve in the near future.

Target Audience: CFOs, CCOs, lending staff and other management wishing to gain a comprehensive picture of credit risk acrosstheir financial institution

Successful Workout Strategies for Problem Loans2-part program starts March 17 at 2:30 p.m. Central TimePrice: $357

This seminar is designed to provide the participant with a disciplined strategy for approaching the loan which has reached theworkout situation. it provides a step by step approach from what to do first, pitfalls to avoid, resources to apply and various optionsfaced by the lender or workout officer to develop and implement a successful workout strategy.

Participants will learn:• Problem loan resolution options: outplace, workout, liquidate• Factors involved in analyzing the course of action• Major characteristics of a good workout program• 10 steps to implementation of a workout program• Tips for managing workout expenses• Identification of the legal risks in the workout process

Target Audience: Junior to mid-level commercial lenders, small business lenders, credit analysts, loan review specialists, and creditpolicy officers

Core Deposit Analytics2-part program starts March 17 at 2:00 p.m. Central TimePrice: $500

One of the greatest challenges facing financial institutions today is to effectively price and manage their core deposits and one of themost cost effective hedges against interest rate risk in rising rate environments is an effective core funding strategy aimed atsupplying the core funding you need, at costs you can afford.

Two of the most important assumptions you input into your asset-liability model are the pricing betas for all deposits, and decayrates on non-maturity deposits. However, with the disappearance of OTS, the primary source of industry pricing betas and decayrate assumptions disappeared with it.

Regulators are placing increased pressure on you to develop and use institution specific assumptions. Whether you develop thoseassumptions in house, or contract with an outside firm, it will be absolutely imperative for you to understand the theory behind thederivation of these assumptions...in the management of your own institution, and to respond to regulatory queries.

Participants will learn:• How to apply marginal cost as a decision making tool in choosing between deposit strategies• What kind of information to track allowing you to better understand the relationship between pricing and demand in your

customer base• What is a pricing beta and what role does it play in modeling cost of funds as rates change• Methods for calculating decay rates on non-maturity deposits• How segmentation strategies can have a positive effect on pricing betas and decay rates.

Program agenda:• Significance of core deposit analytics in managing funding costs, assessing values, and feeding key assumptions to your A/L

model• Best practices approach to deriving pricing betas on CDs and non-maturity deposits• Best practices approach to deriving decay rates on non-maturity deposits• Using tracking systems to provide feedback in improving assumptions• Use of marginal cost as a tool in deciding between strategies• Role of segmentation strategies in reducing marginal cost and pricing betas

Target Audience: CEOs, CFOs, treasurers, ALCO members, and retail managers

Building a Compliance Scorecard - Visibility to Your Blind Spots

March 19 at 10:00 a.m. Central TimePrice: $214

If an examiner asks you this question: “Can you provide an accurate picture of your areas of risk?” would you feel blindsided? It’s aquestion that can unnerve the most composed banking executive and the most resilient of compliance officers. The reason why isthat most community financial institutions just simply don’t have the tools in place to easily get a true picture of the state of theirorganizations regulatory compliance — that includes identifying potential risks, priorities and action plans. One tool that has provenexceptionally useful is a regulatory scorecard. This session will focus on how to build and implement a scorecard for your institution.

Participants will learn these items and more:• Create a regulatory compliance scorecard.• Determine the key elements that need to be incorporated into your scorecard.• Develop a prioritized action plan for compliance management improvements.• Use the scorecard for annual assessments, planning and exam preparation.

Target Audience: CEOs, Directors, Presidents, COOs, CFOs, Chief Compliance Officers, Chief Risk Officers and any other seniorexecutive positions

Getting in the Door with ProspectsMarch 23 at 1:30 p.m. Central TimePrice: $214

Are you looking for help getting in the door with prospects? Participants will learn practical referral strategies that high-performingbankers are using to schedule first (and second) meetings with targeted prospects. Topics covered include:

• What to do if you don’t have a warm lead• Is cold calling your best option?• Referrals from satisfied clients, your business network and COls...where to start• Reasons why bankers avoid asking for referrals• Why customers give referrals• Anticipating referral reluctance• When to ask and how to ask your network for referrals• Value statements, value propositions and value drivers

Target Audience: Commercial and business bankers, branch managers, specialists in areas like Treasury management and wealthmanagement who are calling on businesses and professionals and their sales managers

Operational and Technology Due DiligenceMarch 24 at 10:00 am. Central TimePrice: $257

Too often, technology and operations are considered only as an afterthought in merger and acquisition situations.

Banks planning to acquire other institutions, or who at least want to consider the possibility, as well as those contemplating a sale,need to address a variety issues well in advance of any such transaction, as contractual and technology architecture issues makerapid response very difficult.

This session, oriented to CFOs, COOs, and other executives with responsibility for M&A activity, will provide keen insight intoperforming operational due diligence on their own bank, as well as potential acquisition targets. Participants will leave with a solidunderstanding of technical and contractual issues, checklists of matters to be addressed, and general knowledge of the importanceof advance planning and due diligence around the operational and technology components of a merger.

Target Audience: CFOs, COOs, executives with responsibility for M&A activity

Feeling the Heat - Regulatory Pressure for Third Party ManagementMarch 25 at 2:00 p.m. Central TimePrice: $257

2014 we have seen new guidance from the 0CC and Federal Reserve addressing third party risk management programs. FFIECCybersecurity Assessments targeted financial institutions with deeper questioning around third party management processes andposted a fair warning in their Cybersecurity Assessment General Observations document about risks associated to “ExternalDependency Management”. Additional guidance from the FFIEC on this topic is imminent and should not come as a surprise giventhe growing issues related to cybersecurity breaches in third party relationships. Take action now and improve your process byparticipating in our discussion of the following:

• Overview of industry breaches

• New regulatory expectations

• Risk Management practices for selecting new products/services

• Risk Management of existing relationships

Target Audience: CEOs, head of operations, IT personnel, information security officer, members of the IT committee, board ofdirectors

* This program qualifies for CCBSP and CCBVM CPE Credits through the SBS Institute

Financial Evaluation of Mergers and AcquisitionsMarch 31 at 2:00 p.m. Central TimePrice: $257

This session will cover the process of properly evaluating the financial aspects of a merger or acquisition transaction. The session willdiscuss “running the numbers” on a potential deal, accounting for the transaction and will include a real-life example of evaluating apotential acquisition transaction. This session will be informative and useful for anyone seeking more knowledge on the process ofmodeling and evaluating the financial aspects of a potential deal.

Topics to be covered include:• How to properly “run the numbers” on a potential acquisition transaction• How to properly evaluate a transaction to see whether it enhances shareholder value• How the accounting rules for bank acquisitions work and how they affect the economics of the deal• Other important lessons concerning the financial evaluation of a potential merger or acquisition

Target Audience: Any individual that may be interested in further understanding the process of evaluating the fina ncial aspects of apotential acquisition, and will be particularly well-suited for directors, executive officers and CFOs.

About The GSB Online Seminar SeriesThe GSB Online Seminar Series offers a convenient, cost-effective way to access quality educational opportunities. GSB seminars aredesigned to meet the dynamic learning needs of today’s busy financial professional and are delivered by some of today’s topindustry experts. All sessions are recorded, so if you’re unable to attend one of the live presentations, it’s no problem! When youregister for a GSB Online Seminar, you’ll have access to the live presentation as well as a recording of the live session in case you areunable to attend the entire program. There is no additional fee to view the recording, it’s included in your registration fee. It’s yourchoice to attend the live session, view the recording—or do both—based on your schedule. With the GSB Online Seminar Seriesyou’ll benefit from:

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

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

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

For additional information, please visit gsb.org

Online Training

A LOCAL ABA TRAINING PROVIDERwww.wyomingbankers.com / 307-638-5008

Edition:SEPTEMBER 2014— AUGUST 2015

ABA’s extensive suite of online training delivers unmatched content in an interactive, digital

format that responds to the industry’s changing demographics. Flexible and cost-effective,

online training offers high-quality and engaging learning experiences that leverage ABA’s

broad network of experts.

Facilitated courses are available in a “virtual classroom,” complete with fellow students,

instructor guidance and feedback. Self-paced courses are independent study and include

real-life practice scenarios.

Business Banki:ng andConimerciai Lending

Comp’iance andRisk Management

ExecutiveEducation

Questions? Please contact [email protected]

for more information.

Mortgage Retail Banking and Wealth Management

Lending Marketing and Trust

Member!,Non-Member Fee

FACILITATED

Analyzing Financial Statements (text as eBook or printed

text—PLEASE SPECIFY)

(Prerequisite: General Accounting)9/8114-1/20/15 310/6/14-2/8/15 3

11/3/14-3/15/15 312/1/14-4/5/15 31/5/15-4/26/15 3

2/2/15-5/26/15 3

3/2/15-6/21/15 34/6/15-7/26/15 3

5/4/15-8/23/15 38/3/15-11/29/15 3

Commercial Lending (text as eBook or printed text—PLEASE

SPECIFY)(Prerequisite: Analyzing Financial Statements or

equivalent work experience)10/27/14-2/8/15 32/9/15-5/3/15 34/6/15-6/28/15 36/1/15-8123/15 38/10/15-11/1/15 3

Introduction to Agricultural Lending (all materials online)

10/6/14-12/7/14 1 $475/$575

3/2/15-4/26/15 1 $475/$575

7/20/15-9/13/15 1 $475/$575

Law and Banking: Principles with Text (text as eBook or

printed text—PLEASE SPECIFY)

9/8/14-1/20/15 3

10/6/14-2/17/15 312/1/14-4/5/15 3

2/2/15-5/26/15 3

3/16/15-7/5/15 35/11/15-8/30/15 3

7/20/15-11/8/15 3

Law and Banking: Principles without Text

9/8/14-1/20/15 310/6/14-2/17/15 3

12/1/14-4/5/15 3

2/2/15-5/26/15 3

3/16/15-7/5/15 35/11/15-8f30/15 3

7/20/15-11/8/15

$436/$520$436/$520$436/$520$436/$520$436/$520$436/$520

3 $436/$520Same Law and Banking text

(NEW EDITION JANUARY 2012) used for both courses.

SELF-PACED

________________

Evaluating and Structuring Commercial Loans

Complete all levels as a package for $600/$875 and qualify

for the ABA Certificate in Commercial Lending.

(Individual Levels below $150/$200 EACH):

Level 1: Understanding Business Borrowers

Level 2: Analyzing Business Financial Statements & Tax Returns

Level 3: Analyzing Personal Financial Statements & Tax Returns

Level 4: Qualitative Analysis & Determining a Credit Risk Rating

Level 5: Loan Structuring, Documentation, Pricing & Problem Loans

The Commercial Real Estate Lending Decision Process

Series (RMA)(all Series below as a package $720/si ,440)

Series 1: Types of CRE Loans, Risk Areas and Performance Drivers($1 25/$250)

Series 2: The CRE Underwriting Process ($125/$250)

Series 3: Financing Different Types of Commercial Properties($125/$250)

Series 4: Understanding and Evaluating Leases, Appraisals andEnvironmental Assessments ($1 75/$350)

Series 5: Loan Structure and Documentation Considerations($125/$250)

Series 6: Construction Lending ($175/$350)

The Lending Decision Process Series (RMAJ

(all Series below as a package $720/si ,440)

Series 1: Evaluating Industry, Markets and Management

($100/$200)Series 2: Evaluating Quality of the Borrower’s Financial Reports

($100/$200)Series 3: Analyzing the Company’s Financial Performance and

Financial Condition ($200/$400)Series 4: The Cash Cycle, Seasonality and Discovering Borrowing

Causes and Repayment Sources ($150/$300)

Series 5: Analyzing Cash Flow Statement and MeasuringRepayment Ability ($150/$300)

Series 6: The Cash Cycle and Seasonality($150/$300)

Credit Products for Small Businesses, 1 hr

Deposit Products and Services for Small Businesses, 0.5 hr

Fundamentals of Small Business Banking, 2.25 hrs

Introduction to Analyzing Financial Statements, 2.5 hrs

Retirement Products for Small Businesses, 2 hrs

Small Business Banker Certificate, 19.75 hr ($595/$ 795)

Small Business Borrowing, 1 hr

Business Banking andCommercial Lending

$550/$675$550/$675$550/$675$550/$675$550/$675$550/$675$550/$675$550/$675$550/$675$550/$675

$550/$675$550/$675$550/$675$550/$675$550/$675

$525/$650$525/$650$525/$650$5251$650$525/$650$525/$650$525/$650

FACILITATED

Analyzing Bank Performance with Text*

(Prerequisite: Participants should have previously taken a basic

accounting course and must have experience using Microsoft

Excel.)9/15/14-11/2/14 22/2/15-3/22/15 26/22/15-8/9/15 2

Analyzing Bank Performance without Text*

(Prerequisite: Participants should have previously taken a basic

accounting course and must have experience using Microsoft

Excel.)2/2/15-3/22/15 2 $660/$8706/22/15-8/9115 2 $660f$870

Managing Funding, Liquidity and Capital with Text*

(Prerequisite: Participants should have a basic understanding ofbank financial statements, bank performance analysis, and interest

rate risk management. Students who have not had exposure tothese topics are encouraged (but not required) to take Analyzing

Bank Performance and Managing Interest Rate Risk prior to this

class.)212/15-3/15/15 1 $875/$1 125

6/8/15-7/19/15 1 $875/$i,125

Managing Funding, Liquidity and Capital without Text*

(Prerequisite: Participants should have a basic understanding of

bank financial statements, bank performance analysis, and interest

rate risk management. Students who have not had exposure to

these topics are encouraged, but not required, to take Analyzing

Bank Performance and Managing Interest Rate Risk prior to this

class.)2/2/15-3/15/15 1 $660/$8706/8/15-7/19/15 1 $660/$870

Managing Interest Rate Risk with Text*

(Prerequisite: Participants should be familiar with the characteristics of

financial instruments that appear on bank balance sheets.)11/10/14-1/25/15 2 $795/Si 095

4/6/15-5/31/15 2 $875/$i 125

Managing Interest Rate Risk without Text*

(Prerequisite: Participants should be familiar with the characteristics of

financial instruments that appear on bank balance sheets.)11/10/14-1/25/15 2 $580/$840

4/6/15-5/31/15 2 $660/$870

Managing the Bank’s Investment Portfolio with Text*

(Prerequisite: Participants will need access to the individuals who

manage their bank’s investment portfolio and the information they

use in this process. Participants should also have a basic familiarity

with financial markets and financial instruments. This class uses a

number of mathematical concepts and calculations to manage the

investment portfolio.)3/30/15-5/3/15 1 $875/$1,125

8/3/i 5-9/6/i 5 1 $875/$1 ,1 25

requires participant to have Microsoft Excel software.

FACILITATED

Managing the Bank’s Investment Portfolio without Text*(Prerequisite: Participants will need access to the individuals whomanage their bank’s investment portfolio and the information theyuse in this process. Participants should also have a basic familiaritywith financial markets and financial instruments. This class uses anumber of mathematical concepts and calculations to manage theinvestment portfolio.)3/30/i 5-5/3/15 1 $660/$8708/3/15-9/6/15 1 $660/$870

Same text (NEW EDITION JANUARY 2015) used for al/courses.

*= requires participant to have Microsoft Excel software.

SELF-PACED

FACILITATED

Introduction to Mortgage Lending (all materials online)10/27/14-3/8/15 3 $500/$6503/2/15-6/21/15 3 $500/$6507/13/15-11/1/15 3 $500/$650

Law and Banking: Principles without Text9/8/14-1/20/1510/6/14-2/17/1512/1/14-4/5/152/2/15-5/26/153/16/15-7/5/155/11/15-8/30/157/20/i 5-11/8/15

3 $436/$5203 $436/$5203 $436/$5203 $436/$5203 $436/$5203 $436/$5203 $436/$520

Same Law and Banking text(NEW EDITION JANUARY 2012) used for both courses.

SELF-PACED

Course TitleStartlEnd Dates

ExecutiveEducation

Credit Member!Hours NonMember Fee

Course TItleStartlEnd Dates

CreditHours

Member!Non-Member Fee

$795/$1 050$875/Si 125$875/$i,125

Ethical Issues for Bankers, 1.5 hrs

Leveraging the Benefits of a Diverse Workforce, 1 hr

MortgageLending

Course TItleStart/End Dates

CreditHours

MembOriNon-Member Fee

Law and Banking: Principles with Text9/8/14-1/20/15 310/6/14-2/17/15 312/1/14-4/5/15 32/2/15-5/26/15 33/16/15-7/5/15 35/i 1/15-8/30/15 37/20/15-11/8/15 3

$525/$650$525/$650$525/$650$525/$650$525/$650$525/$650$525/$650

Effective Client Referrals, 1.5 hrs

Ethical Issues for Bankers, 1.5 hrs

Introduction to Relationship Selling, 2.5 hrs

Personal Tax Return Analysis, 4 hrs

Qualifying Mortgage Prospects, 2 hrs

Management Skills Sales Skills

Consumer Lending9/15/14-1/25/1510/20/14-3/1/1512/1/14-4/5/151/12/15-5/3/152/23/15-6/14/154/13/15-8/21155/11/15-8/30/157/13/15—11/1/15

$500/$650$500/$650$500/$650$500/$650$500/$650$500/$650$500/$650$500/$650

Workplace Skills

Course TitleStart/End Dates

General Accounting*9/16/13-1/26/1410/15/13-2/16/1411/12/13-3/16/1412/9/1 3-4/1 3/141/6/14-4/27/142/18/14-6/15/144/14/14-8/3/145/5/14-8/24/146/9/14-9/28/147/28/14-11/16/14

CreditHours

3333333333

$500/$650$500/$650$500/$650

MemberlNon-Member Fee

$600/$725$600/$725$600/$725$600/$725$600/$725$600/$725$600/$725$600/$725$600/$725$600/$725

Consumer Credit Products, 1.5 hrs

Credit Products for Small Businesses, 1 hr

Deposit Products and Services for Small Businesses, 0.5 hr

Fundamentals of Consumer Lending, 3 hrs

Fundamentals of Small Business Banking, 2.25 hrs

Introduction to Analyzing Financial Statements, 2.5 hrs

Introduction to IRAs, 0.5 hrs

Personal Tax Return Analysis, 4 hrs

Retirement Products for Small Businesses, 2 hrs

Small Business Borrowing, 1 hr

Understanding Bank Products, 2 hrs

SELF-PACED

Dealing Effectively with Co-Workers, 3 hrs

Effective Telephone Communication, 2hrs

Effective Written Communication, 3 hrs

Essentials of Workplace Conduct, 2hrs

Improving Productivity, 3 hrs

Managing Time at Work, 2 hrs

Meetings That Work, 1 hr

Microsoft Office 2007 & 2010 (contact the f’IBA for details)

Presentation Skills, 2 hrs

Project Management Fundamentals, 2 hrs (S75/$99)Sexual and Workplace Harassment, 1 hr

FACILITATED

Course Title Credit Member! Course Title Credit Member!

StartlEnd Dates Hours Non-Member Fee Start/End Dates Hours Non-Member Fee

Supervisor Certificate (all materials online)9/23/13-1/26/14 3.25 $750/$9502/10/14-6/1/14 3.25 $750/$9504/28/14-8/17/14 3.25 $750/$9507/21/14-11/9/14 3.25 $750/$950

Also available as a self-paced course--see below.

FACILITATED

Marketing Financial Services10/6/14-2117/152/9/15-5/31/154/20/15-8/9/15

SELF-PACED

333

SELF-PACED

Coaching for Success, 2 hrs

Corrective Action, 2 hrs

Hiring the Best, 2 hrs

Leveraging the Benefits of a Diverse Workforce, 1 hr

Managing Change, 2 hrs

Managing Employee Performance, 3.5 hrs

Managing Employee Relations, 3 hrs

Rewards and Recognition, 2 hrs

Sexual and Workplace Harassment for Managers, 1 hr

Supervisor Certificate, 18.5 hr ($595/$795) Also available as a

facilitated course--see above.

Team Leader Certificate, 17.5 hr ($595/$795)

Product Knowledge

Course Title Credit Member!StartlErid Dates Hours Non-Member Fee

Building and Retaining Customer Relationships, 1.5 hrs

Calling on Small Business Customers, 1.5 hrs

Cross-Selling Deposit Products, 2 hrs

Effective Client Referrals, 1.5 hrs

Event Based Selling, 1 hr

Introduction to Relationship Selling, 2.5 hrs

Qualifying Mortgage Prospects, 2 hrs

Referring Insurance & Annuity Clients, 2 hrs

Referring Investment Clients, 3 hrs

Referring Trust Clients, 2 hrs

Relationship Selling to Small Business Customers, 1.5 hrs

Revitalizing Customer Service, 2.5 hrs

Sales Coaching, 2 hrs

Servicing and Growing Small Business Relationships, 1 hr

Successful Sales Campaigns, 2 hrs

Tele-Consulting, 1.5 hrs

FACILITATEDFACILITATED

33333333

SELF-PACED *= requires participant to have Microsoft Excel software.

ABA Training Course Enrollment/Withdrawal Form* * *Before registering, p/ease check with your Human Resources Dept. for your bank’s educationa/ assistance po/icy* **

PERSONAL INFORMATIONLast 4 digits of Social Security #:

______________

Last Name:

Bank:

D Enrolling

First Name:

C Withdrawing

MI:

Branch Street Address:

City:

_________

Work Phone: (.Date of Birth:

State:

E-Mail Address:

Home Phone:

________

Zip:

COURSE INFORMATION

Course NameFacilitated Course Facilitated Course

Start Date End Date

I hereby authorize the release qf my grade to my employer, the Wyoming Bankers Association and to any accredited college or university for thepurpose qf receiving credit. I realize the materials used for this course copyrighted and 1 agree not to duplicate any part of them without priorapprovalfromn the author.

ENROLLMENT POLICIES

Signature: Date:

FACILITATED ONLINE COURSESEnrollment PolicyForward a completed enrollment form to the Wyoming BankersAssociation at least five (5) business days prior to the beginning dateof the course. No late enrollments will be accepted.

Withdrawal PolicyRefunds will be made (less $15.00 cancellation fee) for anycancellations or transfers made at least 12 business days before thestart of the class and upon the return of the textbook in like newcondition to the ABA. Please include your packing slip or order numberwith the return of your textbook. You may request a transfer only oncewith afee of $100.00.

SELF-PACED ONLINE COURSESEnrollmentlWithdrawal PolicyStudents may register at any time and have six months to complete thecourse. Forward a completed enrollment form to the WyomingBankers Association. Withdrawals are not permitted.

NONDISCRIMINATION POLICYThe Wyoming Bankers Association reaffirms its standing policy onnondiscrimination In employment and in all programs and activities withrespect to race, creed, color, sex, age, religion, or national origin.

FOR MORE INFORMATION ABOUT WBA TRAININGPlease call the Wyoming Bankers Association at (307) 638-5008, orcheck out the Wyoming Bankers Association website atwww.wyomingbankers.com.

METHOD OF PAYMENT:C Bill my employerC Check or money order enclosed

Mailing Information: Please mail or fax completed Course Enrollment or Withdrawal Forms to:Wyoming Bankers Association/200 East 8th Avenue, Suite 201/Cheyenne, WY 82001/Fax: (307) 638-5013.

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June 11-13, 2015 Snow King esort, Jackson, WY …...tRvR ctI ukon i “ Steve serves as President of...

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Transcript of June 11-13, 2015 Snow King esort, Jackson, WY …...tRvR ctI ukon i “ Steve serves as President of...