SPRING 2016 SCHEDULE - · PDF fileCash Flow as an Analycal Tool Oct ... x Aend your class for...

SPRING 2016

SCHEDULE

The Center for Financial Training (CFT) provides banking specific courses, seminars, and webinars for

the financial services industry. These educational programs include college-credit recommended

online, self-study, and classroom courses; hot topic seminars and webinars; and customized in-house

training. For over 100 years, CFT students have enjoyed the finest banker education available in the

world.

If you have any questions about today's Center for Financial Training, please call the CFT Office at

414-332-6468 or send an e-mail to [email protected].

Center for Financial Training, North Central States, Inc.

5215 N. Ironwood Rd. Suite 202

Glendale, WI 53217

Phone | 414.332.6468 Fax | 414.332.6478

Email | [email protected] www.cftncs.org

Inside: Diploma & Certificate Recipients 2

In-Person Classes 3

Webcourses 4 Branch Manager Series 5

2016 Commercial Lending School 6 Train-the-Trainer Workshop 7

Getting the Story—Financial Statement Analysis 8 Advanced Commercial Lending Seminars 10

BSA Training Options 11

IRA Training 12

Webinars 13 New England College of Business 15

Independent Study 16

Instructor-Led OnlineCourses 17 Online Credit Training Classes 18

Self-Paced Online Coursess 20

Diplomas & Certificates 24

CFT Board of Directors 30 Registration Form 31

mailto:[email protected]

SPRING 2016 www.cftncs.org

Bank Trainers Conference 2016 Current Diploma & Certificate Recipients

Bank Operations Diploma

Jody Cisewski – AnchorBank

Bank Marketing Diploma Cynthia Hovorka – Union Bank & Trust Company

Branch Manager Certificate

Jessica Butenhoff – Union Bank & Trust Company

Intro to Credit Analysis Certificate Douglas Bauer – UW Credit Union

Jeremiah Clay – First American Bank

Supervisor Certificate Jennae Pica – AnchorBank

Ashley Smith – US Bank

Team Leader Certificate Courtney Hulburt – AnchorBank

Universal Banker Certificate

Talia Rothenbuehler – AnchorBank

SAVE THE DATE

Getting the Story:

Financial Statement Analysis

Oct. 3-5, 2016 ׀ Fond du Lac, WI

Financial Analysis is the tool we use to conduct a thorough assessment of commercial credit risk. Throughout the workshop we will be working with the financial statement information but the focus will be on getting behind the numbers to address the credit risk issues impacting a borrower’s ability to repay.

Cash Flow as an Analytical Tool Oct. 6, 2016 ׀ Fond du Lac, WI

Oct. 7, 2016 ׀ Madison, WI

Only cash can replay loans. To effectively con-duct a complete credit analysis, the sources and uses of cash in the business must be understood. This workshop is intended to discuss the mechan-ics of construction business cash flow statements and their use in credit analysis. Key objective is the understanding of the mechanics of cash flow analysis and its use in determining a business’ ability to repay. Mandatory Compliance & Account Titling Contact the CFT office to schedule these sessions in your area.

The Center for Financial Training is proud to announce the following students who have earned a diploma and/or certificate during the last three months. We commend their dedication to continuing their education and advancing their careers with the following….


Bank Trainers Conference 2016

Courses Date(s) Time Location Tuition

Managing a Successful Branch 1/26/16 9:00am—4:00pm Wintergreen Resort

100 Gasser Road Wisconsin Dells, WI

$225

Managing a Successful Branch 1/27/16 9:00am—4:00pm Citizens State Bank of Mukwonago

2109 Corporate Drive Waukesha, WI

$225

Leading Service Excellence 2/23/16 9:00am—4:00pm Wintergreen Resort


$225

Leading Service Excellence 2/24/16 9:00am—4:00pm Citizens State Bank of Mukwonago


$225

ABA—Principles of Banking 3/29-3/30/16 8:30am—4:30pm First Bank Financial Centre

12600 W. North Ave. Brookfield, WI

$495

ABA—Principles of Banking 3/31-4/1/16 8:30am—4:30pm Wisconsin Bankers Association

4721 S. Biltmore Lane Madison, WI

$495

Business Development: Getting out of the Office! 4/12/16 9:00am—4:00pm

Wintergreen Resort 100 Gasser Road

Wisconsin Dells, WI $225

Business Development: Getting out of the Office! 4/13/16 9:00am—4:00pm

Citizens State Bank of Mukwonago 2109 Corporate Drive

Waukesha, WI $225

Jambalaya! Add a Little Spice to Your Training 4/21/16 9:00am—4:00pm

AnchorBank 4702 East Towne Blvd.

Madison, WI $325

ABA—Principles of Banking 4/26-4/27/16 8:30am—4:30pm Citizens State Bank

835 W. Wisconsin Street Sparta, WI

$495

ABA—Principles of Banking 4/28-4/29/16 8:30am—4:30pm Micro-Tel Rice Lake

4770 Decker Dr. Rice Lake, WI

$495

Maintaining Superior Team Performance

5/10/16 9:00am—4:00pm Wintergreen Resort


$225

Maintaining Superior Team Performance

5/11/16 9:00am—4:00pm Citizens State Bank of Mukwonago


$495

Spanish for Bankers 6/16-6/17/16 9:00am—4:00pm Town Bank Community Center

826 E. Geneva Street Delavan, WI

$495

Don’t see a course in your area? Contact the CFT office to have a course scheduled near you! 414-332-6468 Check www.CFTncs.org often for class updates and new offerings.

In-Person Classes and Seminars

Features and Benefits of CFT In-Person Courses and Seminars:

Discussion and dialogue are face to face Student questions are answered immediately Students learn first-hand about the on-the-job experiences of their classmates Instructor assistance is always available – during class & after hours Interactive, live classroom environment Students form peer groups that last a lifetime

Visit our website for course descriptions and more information.



Webcourse Title Day Start Date Time # of Classes Tuition

Accounting Thursday 3/17/16 5:00—7:00pm 8 $425 ABA Economics for Bankers Thursday 1/14/16 5:00—7:00pm 8 $425

ABA Law & Banking: Applications

Tuesday 1/19/16 5:00—7:00pm 6 $425

ABA Principles of Banking Monday 1/25/16 5:00—7:00pm 8 $425 ABA Principles of Banking Tuesday 3/1/16 5:00—7:00pm 8 $425

ABA Marketing for Bankers Wednesday 3/30/16 5:00—7:00pm 8 $425 Residential Mortgage Lending Tuesday 4/5/16 5:00—7:00pm 8 $425

Supervision Monday 4/11/16 5:00—7:00pm 8 $425

Test drive a CFT Classroom Webcourse! If you are not sure that a webcourse will work for you, enroll in one and attend the first class. If you are not comforta-ble with the format, we will withdraw you from the class with no charges and no questions asked. Just send back the unmarked textbook and let us know before the second class with an email message to [email protected].

Webcourses

A CFT webcourse blends the convenience of attending a class online, wherever you may be, with the value of being a part of a live classroom. Use your telephone and computer to join the classroom at a specific time on a specific day with a “live” instructor. Prepare assignments that you will discuss in class and review material your instructor places online. Participate in discussions and ask questions of your instructor during class. Finish the class in fewer sessions earning the same credits as comparable in-person live classes.

Why enroll into a CFT WEBCOURSE?

If a live class is preferred, our webcourses are LIVE!!! All students and the class instructor will attend the class together with their computer and telephone. They will discuss class topics, view material placed online by the instructor and have questions answered directly and immediately by the instructor.

If being able to plan on attending a class at a specific time helps a student to successfully complete the class, our webcourses are scheduled for specific days at a specific time. Students will be expected to participate in each class.

Our instructors are bankers and have been CFT instructors teaching our classes in our live classrooms. Attend your class for two hours once a week for a stated number of weeks. Homework will be assigned and expected to be

completed prior to the next class session. Participate from any location with a telephone and a computer with Internet access – office, home, library…….

No live class available in your area? A CFT webcourse can be attended from ANYWHERE!!

Visit our website for course descriptions and more information.



Session Date Location

Session 1: Managing a Successful Branch January 26 Wisconsin Dells, WI

Session 1: Managing a Successful Branch January 27 Waukesha, WI

Session 2: Leading Service Excellence February 23 Wisconsin Dells, WI

Session 2: Leading Service Excellence February 24 Waukesha, WI

Session 3: Business Development April 12 Wisconsin Dells, WI

Session 3: Business Development April 13 Waukesha, WI

Session 4: Maintaining Superior Team Performance May 10 Wisconsin Dells, WI Session 4: Maintaining Superior Team Performance May 11 Waukesha, WI

Speaker: Jennie Sobecki, Owner, Focused Results, LLC An expert in designing and implementing sales efforts and pro-cesses, Ms. Sobecki designs solutions to drive top line growth through better utilization and training of existing sales forces, including sales management. Ms. Sobecki is a graduate of Indiana University and has a certificate in consulting services from Ball Sate University. She was Director of Sales & Marketing for a $3 billion bank holding company, Sales Manager for a high performing mid-level bank, and Director of Corporate Training for a large Midwest insurance company. A charismatic speaker & consultant, Ms. Sobecki consults with numerous financial service organizations on revenue, sales, sales leadership, and organizational performance.

Branch Manager Series

What does your branch have that alternate branch channels like mobile banking don’t? The branch has you and your people! As the number of branch transaction continues to fall, community banks must reassess the role of the branch manager. Banks must invest in the manager, giving him or her the right people, tools, customer goals, and sales goals, and step back and watch the results change into a dynamic source of profitability.

This exciting four-day series will focus on the next generation manager who will be leading the transition to customer relationship management, and to manage an active advisory environment for the customer to achieve financial goals. The next gen manager will be leading this vital transformation. The program will focus on the critical skills and expectations that need to be developed to ensure that the next generation branch manager will exceed expectations and goals set. Participants will engage in discussions, small group activities, and skills practices to ensure that ideas are shared and learning is entertaining and adopted.

WHO SHOULD ATTEND: This series has been developed for branch managers, office managers, teller supervisors, and others who are responsible for the performance of the branch.

REGISTRATION: The registration fee for the 4-part series of $800 includes program registration for one attendee at each session, instruction and materials, breaks and lunches. The registration fee is by bank, and different individuals can be sent to different sessions. Bankers who attend all four sessions will be eligible for a certificate of completion for the Branch Manager Series. Registration for individual sessions is available for $225/attendee/session. The registration fee includes program registration, session instruction and materials, breaks and lunch.

Schedule: 8:30am Registration / 9:00am Session Begins / 4:00pm Adjournment

Hotel Accommodations: Attendees at the Wisconsin Dells location can contact the Wintergreen Resort directly at 800-648-4765, option 1, and ask for the “CFT/WBA Branch Manager” room block at $54.00 plus taxes per night. The room block expires 2 weeks prior to each session.

Visit www.cftncs.org for complete Session descriptions & daily agendas


Bank Trainers Conference 2016 2016 Commercial Lending School March 9-11, 2016 Madison, WI

Wednesday thru Friday, March 9-11, 2016 State Bank of Cross Plains Training Center 455 County Road M Madison, WI 53719

A well trained lender is a commodity in today’s market that cannot be overlooked. Whether you are a seasoned lender or new to lending, learning or refreshing your lending skills is a NECESSITY in today’s competitive banking environment! Join us for the 2016 CFT Commercial Lending School. The School’s up-to-date curriculum is comprehensive, touching on all aspects of commercial lending with a special emphasis on financial analysis, loan structuring, and negotiations. The curriculum and instruction focus on small business and community lending case studies, and is supplemented with real-life examples.

The 2016 Commercial Lending School was developed to provide mid-level bank officers and commercial loan officers a thorough understanding of commercial lending administration by:

Focusing on the operating cycle of a business and key variables for long-term success Helping students develop their analytical skills and management evaluation techniques Acquiring an awareness of the economic environment and how it affects the lending decision Understanding the borrower and loan management alternatives available to a lender in the event of loan default Providing a strong foundation of financial analysis, along with in-depth case studies allowing the student to apply lessons

learned VISIT OUR WEBSITE FOR DAILY COURSE DESCRIPTIONS, INCLUDING DETAILS REGARDING PRE-REQUISITE TRAINING. WHO SHOULD ATTEND: Anyone in commercial lending or a support role: Commercial Lenders, Real Estate Loan Officers, Credit Analysts, Branch Managers, Loan Reviewers, Loan Operators, Junior Bank Staff, Residential and Consumer Lenders who want to expand their skills, and anyone else with the responsibility to help their bank improve the quality of lending decisions. SCHOOL FACILITATOR Mark Tyrpin, President of Mercantile Bank, Quincy, IL has over 20 years of banking experience including commercial lending, commercial real estate lending, loan rehabilitation and work out, as well as management. Prior to that he was an investment banker specializing in municipal finance and trading. His style of “Banker Teaching Banker” emphasizes current banking examples and scenarios to supplement the classroom approach to learning.

$950 PER PERSON—INCLUDES SCHOOL MATERIALS, BREAKFASTS, LUNCHES, & DINNER THURSDAY NIGHT. LODGING AND PRE-REQUISITE TRAINING NOT INCLUDED.


Bank Trainers Conference 2016 TRAIN THE TRAINER WORKSHOP Jambalaya—Add A Little Spice To Your Training! April 21, 2016, 9:00am – 4:00pm AnchorBank East Towne Office 4702 East Towne Blvd. Madison, WI Learn how to mix and blend training tools and techniques that that will help elevate your training success. Explore how to add your own flavor to your presentation style while keeping the learner engaged. Expand the learning cycle beyond what is covered in your training sessions. If you are accountable at your bank for any kind of training in your organization this workshop is for you. Come learn from one of the nation’s top trainers what you need in order to move your credibility, confidence and skills to the next level. You will be eager to get back to put in place what you’ve learned! THE PROBLEM Do you have the responsibilities for training, but know you could benefit from master level training yourself? Do you have people at your organization that complain they aren’t trained? Complain when they are expected to attend training? Do you find scheduling training and delivering training in a timely manner an ongoing battle? Would you like to improve on creating, developing and delivering training that “sticks”? THE SOLUTION Come to this workshop and benefit from learning and practicing with a pro. OBJECTIVES You will leave with: Top notch presenter skills – understanding eye contact, tone of voice, gestures, etc. Feedback on in-class presentations Clarity regarding objectives Techniques that ensure training is on point and memorable Improved self confidence Tools to use to self-assess your ability to train How to instructions on handling difficult situations, creating quality material and delivering meaningful training You will learn to: Align yourself with key partners at your organization Develop and write a training program Take charge of your training room Design high impact training content Explore all your options for resources Create useful templates and job aids Practice presentation skills Design and develop training that “sticks” Create a learning environment that is conducive to learning and fun Practice the art of asking questions Tap into all the alternatives – phone seminar, conferencing, in-person, webinar, mentoring About the Presenter: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her banking background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank. Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality has left her lasting mark on InterAction Training, the firm she founded in 1983. As a graduate of the School of Bank Marketing from the University of Colorado, she realizes the value of quality education. Honey invests time as a faculty member for banking schools around the country. She is a repeat presenter for most of the state banking associations. Honey continues in her own personal pursuit of excellence and is a member of the American Society of Training and Development (ASTD). Currently she is pursuing a self study program on Six Sigma. She has obtained certification in Reality Therapy from the William Glasser Institute as well as certification from the Training and Development Program at Texas A & M. $325 per person – includes seminar materials, lunch, and refreshments.



Assessing creditworthiness of a borrower is about information. Each borrower will have opportunities and obstacles to repayment of the loan. Bankers need to use the information available to identify those potential issues. One of the primary sources will be the financial statements of the borrower’s. Financial statements are how the borrower keeps score on their management of the business. They represent how the borrower has responded to the marketplace factors impacting their business and themselves. Therefore, the banker can use the financial statements as a starting point in identifying the questions to ask about management performance. In “Getting the Story”, the course will look at the issues of preparation of financial statements by the borrower; both Formal and Informal. Also, we will address the role of accountants, the use of financial statements in the credit decision process, and cash-focused analytical tools. Financial Analysis is the tool we use to conduct a thorough assessment of commercial credit risk. Throughout the workshop we will be working with the financial statement information but the focus will be on getting behind the numbers to address the credit risk issues impacting a borrower’s ability to repay. In this multi-day workshop we will:

Discuss the use of informal financial statements as analytical tools. This will include a discussion of Personal Financial Statements, 1040 Tax Return, and Personal Cash Flow.

Review Accounting from the perspective of accountants. Then, shift to accounting for bankers and need to focus on cash outcomes.

Present a Financial Statement Analysis Framework for getting at the key aspects of business financial statement analysis. The Framework will address the three key components of financial analysis—Comparisons, Ratios, and Cash Flow.

Present and Discuss supporting cash analysis tools of Cash Drivers, Cash-to-Cash Cycle, and Cash Cycle.

Utilize small group exercises and homework to compliment the in-class topics.

Program Description

Monday, June 20, 2016 9:00am – 5:00pm Assessing the Individual: Personal Financial Statement & 1040 Tax Return Tuesday, June 21, 2016 8:00am – 4:30pm Accounting, Financial Statements, and the Borrower’s Story Wednesday, June 22, 2016 8:00am – 3:30pm Getting it Back: Cash Flow and Cash Analysis Tools Location: State Bank of Cross Plains 455 Junction Rd. (County Road M) Madison, WI 53719 Recommended Audience: This workshop is appropriate for commercial bankers, loan review personnel, branch personnel (who do commercial lending), credit administrators, credit analysts, and credit department personnel. Speaker Jeff Judy’s booming voice and unique instructional style have been enjoyed in classrooms and auditoriums across the globe. Jeff is in demand as a trainer for individual banks, bank holding companies, state and national trade associations, and many major banking schools. His practical, down-to-earth approach consistently wins him high ratings from participants in his seminars and workshops. Jeff also educates audiences through his frequent interviews and articles in trade journals and more general financial media, as well as through his own biweekly electronic newsletter, Jeff’s Thoughts. Training Fee: $950, includes a light breakfast & lunch daily, and the student materials. Excludes lodging. Lodging information will be provided with registration confirmation.

Getting the Story—Financial Statement Analysis

Instructor Jeff Judy!



Wednesday thru Friday, May 18-20, 2016 Hyatt Regency—River Walk San Antonio, TX

Designed exclusively for Bank and Credit Union training professionals, the Bank Trainers Conference will feature Special Guest Keynote Speaker, Connie Podesta, along with a variety of workshops and networking opportunities. Add to that a world-class, training-specific tradeshow and you will be kept very busy. But don’t worry, you’ll still have time to enjoy the shops, galleries, and restaurants along the world famous San Antonio River Walk!

Practice What You Preach As a training professional, you understand how important training is when it comes to making employees the best that they can be. But do you practice what you preach? In other words, are you gaining the knowledge you need to perform your job at the highest level? Come to the 2016 Bank and Credit Union Trainers Conference and learn new training delivery techniques, acquire state-of-the-art training develop-ment tools, and join the fastest growing network of bank and credit union training professionals in the country.

The 2016 Bank Trainers Conference will be held at the impressive Hyatt Regency, conveniently located between the exciting San Antonio River Walk and The Alamo! Conference registration is $1,195 (only $895 for additional attendees!) and includes materials, breakfasts, lunches, refreshments, and a gala reception on Wednesday evening. Registration fee does not include lodging. A special conference room rate of $199 per night has been secured at the hotel. This rate is available for the nights of May 13-24, 2016, and is good until April 28th or when our room block is full. CONFERENCE HIGHLIGHTS: The Whole Enchilada...Key Ingredients to Success as a Trainer—Honey Shelton The Top 10 Blunders in Developing eLearning...And How to Avoid Them—Joe Ganci We’re the Servants, Not the Masters: 3 Pillars of Successful SME Relationships—Joelyne Marshall Free Online Training Resources Are Available—But Are You Compliant? - Barbara Waxer Building a Path to Universal Banker Success—Karen Tracy The Challenges of Compliance Training—What You Need to Know for the Upcoming Year—Carl Pry Insights to Trainer Management: Dashboards, Business Results, and Stretching Your Career—Wayne Zitsch Assumptions Gone Awry: Mobile Learning for Baby-boomers and the Silent Generation—Kevin Smith VISIT OUR WEBSITE FOR DAILY SESSION DESCRIPTIONS. Schedule Subject to Change



Qualitative Analysis: Getting BEYOND the Numbers / June 23, 2016 / 9:00am—4:00pm Financial Analysis, which is really quantitative analysis, is about looking at the numbers and assessing the changes. However, it is not really credit analysis until the outcome of the numbers has been explained. That explanation involves moving from num-bers to the events that caused the numbers to look the way they do. Making an assessment of those events involves qualitative analysis. This allows an analysis to be performed around the events, not just the numbers and allows the borrowers business performance to be more thoroughly explained. Topics to be covered include: Economy and Impact on Business Performance

Operating Environment and Impact on Business Industry Analysis

Marketplace Strategy Analysis

Business Analysis Management Analysis Audience: This seminar is appropriate for commercial bankers, loan review, branch personnel (who do commercial lending), credit administrators, credit analysis, and credit department personnel.

Managing Commercial Credit Risk / June 24, 2016 / 9:00am—4:00pm Bankers don’t make loans—they make portfolio decisions. The quality of the loan decision will impact bank performance over time. In a constantly changing world, credit risk management becomes a more important focus for the bank’s managers. Therefore it is important that the bank manage this portfolio risk at the bank and banker level. We offer a framework for man-aging credit risk and a process for managing credit risk in this workshop. The desired outcome is a better understanding of the factors impacting portfolio quality at the bank level. Lastly, the participant needs to be aware of the tools for having the banker better manage risk at the transaction level. Topics to be covered include: Discuss role of commercial banking and commercial credit in the marketplace Identify and assess the marketplace and economics factors that will impact portfolio quality Discuss bank’s strategy and impact on credit quality Introduce the Strategic Credit Risk Management Framework and discuss each of its components Introduce the Credit Process Framework and discuss each of its components Review credit decision-making process and it’s impact on credit quality Provide opportunity for participants to assess their bank’s risk management situation. Audience: This seminar is intended for participants in a position to impact credit outcomes in their organization. Content will be most beneficial senior loan officers, credit review personnel, branch managers who oversee a commercial portfolio, and ex-perienced loan officers who want to better manage their individual portfolio.

Speaker: Jeff Judy’s booming voice and unique instructional style have been enjoyed in classrooms and auditoriums across the globe. Jeff is in demand as a trainer for individual banks, bank holding companies, state and national trade associations, and many major banking schools. His practical, down-to-earth approach consistently wins him high ratings from participants in his seminars and workshops. Jeff also educates audiences through his frequent interviews and articles in trade journals and more general financial media, as well as through his own biweekly electronic newsletter, Jeff’s Thoughts.

Both sessions to be held at: Cambira Hotel & Suites/5045 Eastpark Blvd./Madison, WI 53718 $325 per session, includes a light breakfast & lunch daily, and the student materials. 10% discount if attending both days!

Are you looking for a higher level of commercial lending training? Attend one or both of these advanced topics taught by Jeff Judy, Principal of Jeff Judy & Associates!

Advanced Commercial Lending Seminars—Madison, WI



Upcoming BSA webinars: 2/5—BSA Series: Customer Due Diligence: Preparing for the Change 4/15—BSA Series: The Five Pillars of a BSA/AML Program 5/12—BSA for the Frontline Additional BSA webinars coming—check our website for the latest schedule! Recorded BSA webinars: BSA Series: CTR Exemptions: Reviews, Mergers, Revocations, and More BSA Series: Part I – Growing Your CDD Questionnaire for Onboarding Consumer Accounts BSA Series: Part II – Growing Your CDD Questionnaire for Onboarding Business Accounts Currency Transaction Reports: Line by Line BSA Series: Money Laundering the New Way: Virtual Currency, Prepaids, Marijuana BSA Series: Account Opening Procedures for MSBs, PEPs, NRA, and Other High Rick BSA Customers BSA 2015 Year-end Wrap-Up Self-paced Online Classes – start anytime!: BSA/AML: Overview BSA/AML: CIP Basics BSA/AML: CIP Advanced BSA/AML: Communicating with Customers About CTRs BSA/AML: Completing the CTR BSA/AML: Complying with the BSA BSA/AML: Exempting Customers from CTR Reporting BSA/AML: Recordkeeping – Wires, Money Orders, and other Challenges BSA/AML: Reporting BSA/AML: Risk Assessment and Customer Due Diligence BSA/AML: SAR Reporting BSA/AML: USA PATRIOT Act Contact the CFT office to schedule live BSA training for your employees. Visit the CFT website for course descriptions and more information www.cftncs.org or contact the CFT office at 414-332-6468

Let CFT help you with your BSA training needs! Whether you are looking for live training or online training, CFT has you covered!

Bank Secrecy Act—BSA Training to Meet Your Needs

http://www.cftncs.org



Recorded IRA webinars:

10/16 – IRA Basics

10/22 – IRA Beyond the Basics

10/29 – IRA Way Beyond the Basics

11/10 – IRA Audit & Compliance

Upcoming Online Training:

2/22 – IRA Online Institute

Upcoming WBA Live Seminars in Wisconsin:

3/15 – Advanced IRAs: Wausau, WI

3/16 – Advanced IRAs: Madison, WI

Self-paced Online Classes – start anytime!:

Introduction to IRAs

Contributions to IRAs

Defined Contribution Plans

Distributions from IRAs

Employee Investment Accounts – 401(k)

Estate Planning Essentials

Retirement Planning

SIMPLE Plans Made Simple

Simplified Employee Pensions – SEPs

Visit the CFT website for course descriptions and more information www.cftncs.org or contact the CFT office at 414-332-6468

Let CFT help you with your IRA training needs! Whether you are looking for live training or online training, CFT has you covered!

Individual Retirement Accounts—IRA Training

http://www.cftncs.org


Bank Trainers Conference 2016 Webinars

What is a Webinar?

A webinar is the perfect training vehicle for nearly any topic. It combines the clarity of an audio teleconference with the interactivity and visual presentation of the Internet.

On-Demand Webinars

Can’t attend at the scheduled time? All of the scheduled topics are available as a recorded option to watch when it fits your schedule.

Webinar Pricing

Live Webinar $265 (includes 7 days on-demand) 6 mo. On-Demand weblink $295 w/ audio link and handouts CD-ROM + 6 mos. On Demand $325 Live & On Demand $395 Additional Location $75

1-Hour Webinar Pricing

Live Webinar $165 (includes 7 days on-demand) 6 mo. On-Demand weblink $185 w/ audio link and handouts CD-ROM + 6 mos. On Demand $215 Live & On Demand $265 Additional Location $50

Webinar Packages

By pre-paying for your webinar training needs for the year, you could be saving money.

5 webinars = $1,125 (save $150) 10 webinars = $2,100 (save $450) 15 webinars = $2,850 (save $975) 20 webinars = $3,500(save $1600)

A great way to build your internal training library. Call us at 414-332-6468 and we

FEBRUARY DATES

2 1:30 PM Writing High Impact Executive Summaries 3 10:00 AM Excel Explained: Internal Control 3 1:30 PM Call Reports—Recent Changes 5 10:00 AM Customer Due Diligence

9 10:00 AM 15 Reasons Name & TIN May Not Match 10 10:00 AM Right of Setoff

17 10:00 AM Check Fraud 18 1:30 PM TRID Compliance Hot Spots 22 10:00 AM Call Report for Beginners—5-part Webinar Series #1 23 10:00 AM The Banker of the Future—Becoming a Universal Banker

24 10:00 AM Beware! Signature Cards Liability and Compliance

25 10:00 AM Opening Accounts for Nonresident Aliens: New W-8BEN, W-8BENE and Due Diligence Rules

29 10:00 AM Call Report for Beginners—5 Part Webinar Series #2

JANUARY DATES

7 10:00 AM Lending to Municipalities 12 10:00 AM Writing High Quality Email

12 1:30 PM IRA Update & Review 13 10:00 AM Subpoenas 13 1:30 PM Understanding CCC Loans for Ag Lenders 14 10:00 AM Currenty Transcation Reporting: Line by Line 20 10:00 AM Workplace Violence 21 10:00 AM Basic Cash Flow Analysis 26 10:00 AM Advertising Compliance 26 1:30 PM Improving Employee Performance in Everyday Work Situations 27 1:30 PM Best-Ever Compliance Checklists for Consumer Loans 28 10:00 AM 20 Legal Ownerships


Bank Trainers Conference 2016 Webinars

Compliance Perspectives A Monthly Update -A monthly webinar series to help you keep up with changes and deadlines in the compliance area Keeping up with changes and deadlines in the compliance area gets more complex each year. Now we can assist you with that task by presenting a monthly one-hour compliance update that will address new items to be aware of, upcoming deadlines, and what’s on the horizon. In a simple language webinar format that you can view from your office, Carl Pry will make sure you have the information you need to keep your financial institution in compliance. Features: Monthly hot topics Current deadlines Upcoming regulations Examiner guidance Concise one-hour format Unlimited participants One low cost Archived recordings For only $159 per month with a six month commitment, you receive the live session and a link to the archived recording. Watch the live session or access the recording for the next 30 days. Imagine what you can save in reduced compliance violations or unnecessary research time.

6-Month Subscription…………… $954 12-Month Subscription…………. $1,749

How much time do you spend each month researching new

compliance rules & regulations? Would you like to reduce that

time to ONE HOUR?

Get a FREE month by signing a 1-year

commitment

MARCH DATES

3 10:00 AM BSA 7 10:00 AM Call Report for Beginners—5 Part Webinar Series #3 8 10:00 AM Analyzing Tax Returns for Mortgage Decisions 9 10:00 AM Health Savings Accounts

10 10:00 AM Notary Public 10 1:30 PM Building & Improving Your Compliance Culture 14 10:00 AM Call Report for Beginners—5 Part Webinar Series #4 16 1:30 PM Best-Ever Compliance Checklists for Commercial Loans

17 10:00 AM Power of Attorney 21 10:00 AM Call Report for Beginners—5 Part Webinar Series #5 23 10:00 AM Trusts 29 10:00 AM Do’s and Don’ts on Limited Liability Corporations 29 1:30 PM Call Reports—Lending Schedules for Banks

30 10:00 AM Opening Deposit Accounts Online: CIP, CDD, W-9, Signature Cards and More Regulatory Issues

APRIL DATES

5 10:00AM Uniform Commercial Code: What You Need to Know

5 1:30 PM Handling Checks at Death of Account Holder 12 10:00 AM Banker’s Compliance Consulting 12 1:30 PM Critical Issues on CDs 12 10:00 AM Opening New Accounts II—Business Accounts 15 10:00 AM BSA—Five Pillars 20 10:00 AM Do’s and Don’ts of Checks: How to Avoid Loss 26 10:00 AM Analyzing Business Appraisals for Mortgage Decisions 28 10:00 AM Auditing Your SD Department: New for 2016


Bank Trainers Conference 2016 CFTncs and NECB—Partnering for Your Success

Apply select CFT and ABA courses toward an undergraduate degree at New England College of Business.

Center for FinancialTraining – North Central States has partnered with New England College of Business to offer 25% tuition savings, with continuous enrollment, to employees and their immediate families.

Educating working professionals since 1909. Accredited by New England Association of Schools and Colleges.

Lowest tuition among all private four-year colleges in New England. (U.S. Department of Education College Affordability and Transparency Center, 2011-2014)

Convenient Master’s, Bachelor’s and Associate’s Degree programs.

Gold Medal for Best Practices in Online Learning (U.S. Distance Learning Association), Award for Creative Use of Technology (Association for Continuing Higher Education), Silver Award for Excellence (Brandon Hall Group) and listed as one of the Best Online Graduate Business Programs by U.S. News & World Report.

Degree Programs Offered Associate in Science in Business Administration Bachelor of Science in Business Administration Bachelor of Science in Digital Marketing Bachelor of Science in International Business Basic and Intermediate Accounting Certificates Digital Marketing Certificate Master of Business Administration Master of Science in Finance Master of Science in Business Ethics and Compliance Master of Healthcare Management Master of Human Resource Management Learn More Today | NECB.edu/partner/CFTNCS | 800-997-1673


Bank Trainers Conference 2016 Independent Study Courses

EXTENSIONS One 2-month extension is available for 2-3 credit courses if you are unable to complete your course in the allotted time. Up to two 2-month extensions are available only for the following courses: Accounting II, Analyzing Financial Statements, Economics for Bankers, Financial Accounting, and General Accounting. Written request for any extension must be accompanied by the appropriate fee - $75.00 – prior to the end date and is subject to approval. Extensions ARE NOT GRANTED for courses with less than 2 credits. Any course less than 2 credits which is not completed within the alloted time will be automatically closed and graded on assignments and exams completed by that time.

Here’s What Students Are Saying About CFT’s Independent Study Courses

My instructor was very good with me. She answered the questions I had and was always there to help me when I needed it. – Principles of Banking Student

My instructor was awesome. She helped keep me motivated and that helped me quite a bit. – Management Student

This class was one of the most helpful classes I have ever taken! Very enlightening and good examples to be used everyday in the office. My instructor was very helpful! – Human Relations Student

I would really like to extend a big thank you to my instructor for helping me get my coursework done on time. Her prompt attention was much appreciated. – Money & Banking Student

My instructor was very encouraging and always made sure I understood the material, I would definitely take more courses in this format and with this instructor. – Mortgage Lending Student

I really enjoyed taking this course. I especially liked my interactions with my instructor. – Sales Excellence Student

REGISTRATION Register anytime - courses begin once materials are received. Simply complete the registration form and mail it with payment (including the processing fee) to the CFT office. Note: Registrations will not be processed until payment is received.

WITHDRAWAL POLICY Withdrawals must be sent in writing. Students will be assessed a $100 fee for withdrawals received after the registration has been processed. Refunds will not be issued once course materials have been sent.

TEXTBOOK SHARING CFT encourages you to save a tree! If a co-worker has the current textbook edition of a course, you may receive a tuition reduction. Contact the CFT office to verify if the edition is still in use – 414-332-6468

Course Title Credits Length Tuition

A Question of Workplace Attitude 1/2 3 months $175 Accounting II 3 6 months $545 Analyzing Financial Statements ABA 3 6 months $545 Bank Security ½ 3 months $175 Banking Today ½ 3 months $150 Business Communication 3 4 months $575 Business Math 3 4 months $575 Communication Skills for Business 2 3 months $525 Consumer Lending ABA 3 4 months $450 Customer Service Excellence 2 3 months $495 Deposit Accounts & Services 2 3 months $495 Developing as a Professional ½ 3 months $175 Economics for Bankers ABA 3 6 months $545 Financial Accounting 3 6 months $545 Financial Planning 3 4 months $575 Frauds, Scams, and Cons 1 3 months $225 General Accounting ABA 3 6 months $545 Human Relations 3 4 months $575 Human Resource Development 3 4 months $575 Human Resource Selection 3 4 months $575 Introduction to e-Commerce 3 4 months $575 Intro to (Residential) Mortgage Lending 3 4 months $545 Law & Banking: Applications ABA 3 4 months $525 Law & Banking: Principles ABA 3 4 months $525 Loan Collectors Training 1 3 months $225 Management 3 4 months $575 Managing Human Resources 3 4 months $575 Marketing Financial Services ABA 3 4 months $450 Money & Banking ABA 3 4 months $450 Principles of Banking ABA 3 4 months $450 Real Estate Appraisal 3 4 months $575 Real Estate Finance 3 4 months $575 Real Estate Law 3 4 months $575 Safe Deposit Basics ¼ 3 months $135 Sales Excellence 2 3 months $495 Supervision 3 4 months $575 The Future of Business 3 4 months $575 Today’s Teller ABA 2 3 months $150 Understanding Organizational Behavior 3 4 months $575

Course Descriptions can be found at www.cftncs.org

NEED FLEXIBILITY? Independent Study is designed for students who prefer a flexible schedule. After the registration and payment are received, textbook and accompanying materials are mailed, and a regional content expert is assigned as your instructor. Working at your own pace, your instructor will guide you in completing chapter assignments, quizzes and exams within the given time period.


Bank Trainers Conference 2016 Instructor-Led Online Courses

Course Title Start Dates # Wks Credits Price ACE

Analyzing Bank Performance ABA 2/1 7 2 $875 Yes Analyzing Financial Statements ABA 1/4, 2/16, 4/4, 5/2 16 3 $550 Yes Basic Administrative Duties of a Trustee ABA 4/18 5 1 $300 Business Communication 1/11, 3/14, 5/16 10 3 $575 Yes Business Math 1/4, 2/1, 3/14, 4/25 10 3 $575 Yes Commercial Lending ABA 2/8, 5/16 12 3 $500 Yes Consumer Lending ABA 1/11, 2/22, 4/11, 5/9 16 3 $500 Yes Customer Service Excellence 1/11, 2/22, 4/4, 5/30 8 2 $525 Deposit Accounts & Services 1/25, 4/4 8 2 $525 Economics for Bankers ABA 3/14, 5/9 16 3 $500 Yes General Accounting ABA 1/4, 2/16, 4/11, 5/2 16 3 $600 Yes Human Relations in Banking 1/4, 2/29, 5/2 10 3 $575 Yes Human Resource Management 2/15, 4/18 10 3 $575 Yes Introduction to Agricultural Lending ABA 2/29 8 1 $475 Introduction to Mortgage Lending ABA 2/29 16 3 $500 Yes Introduction to Trust Products & Services ABA 2/29 5 1 $300 IRA Online Institute 2/22 12 1 $1595 Law & Banking: Applications ABA 1/11, 4/25 16 3 $525 Yes Law & Banking: Principles ABA 2/1, 5/9 16 3 $525 Yes Management 2/8, 4/4 10 3 $575 Yes Teller Operations 1/11, 3/14 8 2 $525 Marketing Financial Services ABA 2/8, 4/18 16 3 $500 Yes Money & Banking ABA 2/8, 4/25 16 3 $500 Yes Principles of Banking ABA 1/4, 2/1, 2/29, 3/14, 3/28, 4/11, 4/25, 5/9 16 3 $500 Yes Principles of Banking – Accelerated ABA 2/8 10 3 $500 Yes Real Estate Appraisal 3/7 10 3 $575 Yes Real Estate Finance 1/25, 4/18 10 3 $575 Yes Real Estate Law 2/15 10 3 $575 Yes Review Course for CRCM Exam 3/14 10 1 $550 Review Course for CTFA Exam 2/8 12 0 $550 Selling Fundamentals 1/18, 3/21, 5/16 10 3 $575 Statistics 1/18, 4/25 10 3 $575 Supervision 1/4, 2/8, 4/25 10 3 $575 Yes Supervisor Certificate ABA 2/8, 4/25 16 3.25 $750 Understanding Organizational Behavior 2/1, 4/18 10 3 $575 Yes

ACE - The American Council on Education recommends these courses for college credit transfer.

CFT & ABA offer you our high quality education in a convenient online format to suit your schedule and career goals. Instructor-Led online courses offer you a virtual classroom complete with fellow students, instructor guidance and feedback, and the industry's most comprehensive banking curriculum.

Course Features Course Benefits Authoritative textbooks and

readings Provide in-depth coverage of subject matter

Peer interaction Maximizes your learning experience through collaborative online exercises

Experienced online instructors with banking expertise Provide feedback on assignments and industry context

Exercises and exams Test your learning Convenient weekly schedule No need to be online at a certain date or time

ABA, CFT, ICB and ACE Credits

Many of our instructor-led courses can be used toward one or more of the AIB and/or CFT Diplomas and Certificates. They also qualify for a variety of continuing education units and meet some post-certification requirements. Check individual course descriptions for specific credits, or contact the CFT office for more information


Bank Trainers Conference 2016 Online Consumer Credit Training Program

Program Description

We offer you a low-cost effective, customizable and comprehensive online consumer credit program that provides the core skills necessary to review and analyze consumer lending requests. Incorporates the knowledge and expertise of seasoned credit officers. Reduces opportunity costs and traveling expenses of a traditional classroom based program.

Skills acquired: You will learn a logical thought process to review and analyze a request. Some of the skills you will learn are as follows:

How to conduct application interviews.

How to verify income and employment information. How to read and evaluate a credit report.

How to understand basic concepts in credit scoring. How to comply with consumer credit regulations.

How to calculate debt service ratios. How to decline and make counteroffers.

How to read tax returns and personal financial statements. How to structure the loan.

How to establish and perfect security interest in collateral. How to follow-up and administer the loan.

How to collect on delinquent accounts. The Consumer Credit Online Training Program is composed of ten modules (2 – 3 hours per module). It can be used both by underwriters who need to make a lending decision and also anyone who talks to a customer or prospect about a consumer loan. The materials are supplemented by actual cases to practice concepts learned in the course materials.

The program is intended for: Consumer Lending/ Underwriting Staff Branch Managers Assistant Branch Managers Operations Staff Platform Assistants

Call 414-332-6468 for more information!

Or visit our website for module descriptions

Save 24%

$490 for the entire Suite!

$65 per module


Bank Trainers Conference 2016 Online Commercial Credit Training Program

Program Description

We offer you a low-cost effective, customizable and comprehensive online commercial credit training program that provides the core skills necessary to review and analyze consumer lending requests. Incorporates the knowledge and expertise of seasoned credit officers. Reduces opportunity costs and traveling expenses of a traditional classroom based program.

The program is intended for: Credit Analysts Credit Officers Commercial Loan Officers Loan Review Officers Relationship Managers Branch Managers

Call 414-332-6468 for more information!

Or visit our website for module descriptions

CFT offers a unique online commercial credit training program focused on providing the initial foundation for underwriting repayment risk for senior debt. The program incorporates the knowledge and expertise of seasoned credit officers. At the end of the program, the participants will have developed basic skills required to elaborate solid and consistent credit memos write ups, based on sound analytical skills as well as loan structuring and documentation fundamentals. Recommended Program of Study: It takes approximately 20 hours to complete the entire on-line credit training program. Students can proceed at their own pace to complete the course. Students have four months to complete the entire on-line commercial credit training program. See online for a recommended course of study to complete the entire program within a three month time span. This allows enough time for vacation, personal or work related issues that can interrupt the course of study. Modules can be studied more than one time, however, the assessments at the end of each course should only be taken when the student feels he/she has mastered the material.

$640 to purchase all 3 Suites!

Financial Fundamentals Suite (1 – 3 hours per course) $192 for Suite

Cash Flow Suite (2 – 3 hours per course) $222 for Suite

Credit Suite (2 – 3 hours per course) $296 for Suite

Credit Fundamentals Assessment (50 multiple choice questions) Included with purchase of 3

Accounting

Financial Statement Analysis

Investment Decision Tools $79 per module

Cash Flow

Construction Cash

Flow Analysis Cash

Flow Forecasting $89 per module

Sources of

Repayment

Loan Documentation

Loan Structuring Credit Write-up

Video Credit Clip (5 – 8 minutes per video)

$89 per module

Assessment in key areas related to credit analysis:

Financial analysis

Cash flow analysis Forecasting Sources of repayment

Loan structuring


Bank Trainers Conference 2016 Self-Paced Online Courses

Course Title Price Compliance

Americans with Disabilities Act (ADA) $95 Bank Bribery Act $55 Bank Protection Act $35 Community Reinvestment Act $55 Completing a Currency Transaction Report $95 Credit Card Regulations for Compliance Professionals $275 Credit Practice Rules – Reg AA $35 Customer Identification Program $95 Elder Financial Abuse $55 Electronic Funds Transfer Act – Reg E $95 Equal Credit Opportunity for Compliance Professionals $275 Equal Credit Opportunity Act – Reg B $95 Expedited Funds Availability Act – Reg CC $95 Extending Credit to Bank Insiders – Reg O $35 Fair Credit Reporting Act (FCRA) $95 Fair Credit Reporting Act (FCRA) for the Compliance Professional

$275

Fair Housing Act $55 Fair Lending $95 FDIC Insurance Coverage $95 Flood Disaster Protection Act $35 Good Faith Estimate and HUD-1 $55 Home Mortgage Disclosure Act (HMDA) $95 Home Mortgage Disclosure Act (HMDA) for the Compliance Professional

$275

Information Security and Red Flags $95 Office of Foreign Assets Control (OFAC) $55 Privacy for Customer Contact Personnel $55 Real Estate Settlement Procedures Act $95 Recognizing and Preventing UDAAP $55 Reg Z Closed-End Credit for Compliance Professionals $275 Reg Z Open-End Credit for Compliance Professionals $275 Regulatory Compliance for Bank Marketers $125 Regulatory Compliance for Call Center Reps $125 Regulatory Compliance for Consumer Lenders $125 Regulatory Compliance for Customer Service Reps $125 Regulatory Compliance for Financial Managers $125 Regulatory Compliance for Personal Bankers $125 Regulatory Compliance for Tellers $125 Reserve Requirements for Depository Institutions – Reg D $55 Servicemembers Civil Relief Act (SCRA) for the Compliance Professional

$275

Serving Your Military Customer $55 Truth in Savings – Reg. DD $55 Unlawful Internet Gambling Enforcement Act $55 UDAAP for the Compliance Professional $275 USA PATRIOT Act $55

Financial Planning & Trust Introduction to IRAs $95 Estate Planning and Trust Activities A Guide to Ethics in Fiduciary and Trust Activity $95 Account Acceptance and Termination $175 Basic Characteristics of a Trust $175 Discretionary Distributions $175 Duties and Powers of the Trustee $175 Estate and Guardian Administration $175 Estate Planning for Charitable Giving $175 Estate Planning for the Marital Deduction (coming soon) Estate Planning Solutions for the Business Owner $175 Estate Planning to Achieve Client Goals $175 Fiduciary Law $175 Minimizing Fiduciary Risk and Litigation $175 Special Needs Trusts $175 Investment Planning A Guide to Ethics in Investments $95 Asset Allocation and Portfolio Management $175 Bond Selection and Analysis $175 Economics & Markets $175 Fundamentals of Alternative Investment Products $175 Investment Policy $175 Investment Products $175 Prudent Portfolio Management $175 Stock Selection and Analysis $175 Tax Law & Tax Planning A Guide to Ethics in Tax Law and Tax Planning $95 Fiduciary Income Tax $175 Generation-Skipping Transfer Tax $175 Gift Taxation $175 How Trusts are Taxed $175 Planning for Estate Tax (Coming Soon) $175 Understanding Transfer Tax $175 Financial Planning

A Guide to Ethics in Financial Planning $175

Education Planning Solutions for Minors $175

Estate Planning for IRAs and Qualified Plan Balances $175

Fundamentals of Life Insurance $175

Income Tax Planning $175

Introduction to IRAs $175

Introduction to Planning for Retirement Assets $175

Managing Life Insurance Policies $175

Trust Fundamentals

Introduction to Estate Planning $335

Introduction to Investment Management $335

Introduction to Trust Administration $335



Course Title Price Compliance

Dodd-Frank Wall Street Reform & Consumer Protection Act*

$75

Dodd-Frank Act – Changes for the Banking Industry* $75 Dodd-Frank Act – Provisions for Consumers* $75 Gramm-Leach-Bliley Act (GLBA)* $75 Interest on Deposits* $75 *Enroll in all 5 modules – WOW!! $175

General Banking & Management Advanced Supervision $75

Banking Today $95 Consumer Credit Products $95 Introduction to Banking $75 Introduction to Supervision $75 Today’s Teller $150 Understanding Bank Products $95

General Lending Deposit-Related Regulations for Consumer Lenders $95

Fundamentals of Consumer Lending $95 Introduction to Analyzing Financial Statements $95 Personal Tax Return Analysis $95 Qualifying Mortgage Prospects $95 Today’s Teller $150

Commercial Lending

Understanding Business Borrowers * $150

Analyzing Business Financial Statements & Tax Returns* $150 Analyzing Personal Financial Statements & Tax Returns * $150

Qualitative Analysis & Determining a Credit Risk Rating* $150

Loan Structuring, Documentation, Pricing, & Problem Loans*

$150

*Take All 5 Modules – SAVE!! $600

Insurance Annuities Overview* $75

Auto Insurance* $75 Disability Insurance* $75 Homeowner’s Insurance – An Overview* $75 Introduction to Life Underwriting* $75

Life Insurance – An Overview* $75 Long-Term Care* $75 Variable Annuities* $75 Variable Life Insurance – An Overview* $75 *Enroll in all 9 modules – WOW!! $175

Course Title Lending– Advanced

Series 1: Evaluating Industry, Markets and Management $100

Series 2: Evaluating Quality of the Borrower's Financial Reports

$100

Series 3: Analyzing the Company's Financial Performance and Financial Condition

$200

Series 4: The Cash Cycle, Seasonality and Discovering Borrowing Causes and Repayment Sources

$150

Series 5: Analyzing Cash Flow Statement and Measuring Repayment Ability

$150

Series 6: The Cash Cycle and Seasonality $150 Complete Commercial Real Estate Lending Decision Process Series – save $130 over buying separately

$720

Series 1: Types of CRE Loans, Risk Areas & Performance

Drivers

$125

Series 2: The CRE Underwriting Process $125 Series 3: Financing Different Types of Commercial Properties

$125

Series 4: Understanding and Evaluating Leases, Appraisals and Environmental Assessments

$175

Series 5: Loan Structure and Documentation Considerations

$125

Series 6: Construction Lending $175 Complete CRE Lending Decision Process Series 1-6 $720

Residential Lending Appraisal Procedures $95

Basics of Mortgage Processing $95 Completing the HUD-1 $95 Discovering FHA Programs $95 Elements of Title Insurance $95 Essentials of Mortgage Lending $95 Explaining Loan Modifications $95 Gathering the Facts on Mortgage Fraud $95 Handling Mortgage Inquires & Making Referrals $95 Preparing the Closing Disclosure $95 Preparing the Loan Estimate $95 Processing and Underwriting Credit $95 Processing Income and Assets $95 Reviewing the Appraisal Report $95 TILA-RESPA Integrated Disclosures $55

Course Descriptions can be found on

our website – www.cftncs.org

http://www.cftncs.org/



Course Title Price

Management & Leadership

Coaching for Success $95 Corrective Action $95 Hiring the Best $95

Improving Productivity $95

Managing Change $95

Managing Employee Relations $95

Performance Management $95

Project Management Fundamentals $75

Rewards & Recognition $95

Sexual Harassment for Managers $95

Course Descriptions at www.cftncs.org

Contact the CFT office for additional information.

414-332-6468

Course Features Course Benefits

Rich graphics and interactivities

Keep learners engaged with state-of-the-art learning

Frequent self-checks Measure comprehension and

retention

Banking-specific scenarios and case studies

Enable applied learning to boost transfer to on-the-job

performance

Built-in tools and job aids Provide valuable ongoing

performance support, long after training is completed

ABA's self-paced online course library offers cost-effective banking, business, and trust courses that deliver and skills and concepts that can be immediately applied on the job. ABA eLearning provides enhanced training support with tools like our unique, role-based training roadmaps that guide users through a proven training path; blended learning extensions that enable immediate facilitated practice and application of learning in a classroom environment; and world-class implementation support that ensures the success of your training program.

Course Title Price

Employee Development

Business Etiquette $95 Dealing Effectively with Co-Workers $95

Ethical Issues for Bankers $95 Managing Time at Work $95

Meetings that Work $95

Presentation Skills $95

Revitalizing Customer Service $95

Sexual Harassment in the Workplace $95

Telephone Etiquette $95

Writing Bank Correspondence $95

http://www.cftncs.org/

http://www.aba.com/Training/Online/eLearning/Pages/courses.aspx

http://www.aba.com/Training/TeamTraining/Pages/LearningExtensions.aspx



Sales, Marketing & Service Building & Retaining Customer Relationships $95

Cross Selling Deposit Products $95 Effective Referrals $95 Event- Based Selling $95 Introduction to Relationship Selling $95 Referring Insurance & Annuity Clients $95

Referring Investment Clients $95 Referring Trust Customers $95

Sales Coaching in the Bank $95 Successful Sales Campaigns $95

TeleConsulting $95 MODULE COURSES Client-Focused Business Development for Bankers* $75 Customer Service* $75 Dealing with Challenging Customers* $75 Deceptive Sales Practices in Insurance* $75

No Nonsense Marketing* $75

*Enroll in all 5 modules – WOW!! $175

Course Title Price Retirement

Contributions to IRAs* $75 Defined Contribution Plans* $75 Distributions from IRAs* $75 Employee Investment Accounts – 401 (k)* $75 Estate Planning Essentials* $75 Retirement Planning* $75 SIMPLE Plan Made Simple* $75 Simplified Employee Pensions – SEPs* $75 *Enroll in all 8 modules – WOW!! $175

Course Title Price Security & Fraud

Robbery & Bank Security $95

Small Business Calling on Small Business Customers $95 Credit Products for Small Businesses $95 Deposit Products for Small Businesses $95 Fundamentals of Small Business Banking $95 Overview of Financial Statements $95 Relationship Selling for Small Business Customers $95 Retirement Products for Small Businesses $95 Servicing & Growing Small Business Relationships $95 Small Business Borrowing $95

Now Available!

Flood Insurance for Compliance Professionals

Real Estate Settlement Procedures Act (RESPA) for Compliance Professionals

Loans to Officers (Reg O) for Compliance Professionals

Community Reinvestment Act, Community Bank (CRA) for Compliance Professionals

Community Reinvestment Act, Large Bank (CRA) for Compliance Professionals

Elements of a Compliance Program for Compliance Professionals


Bank Trainers Conference 2016 Diplomas Diplomas

ABA Bank Financial Management Diploma Analyzing Bank Performance Ethical Issues for Bankers Managing the Bank's Investment Portfolio Managing Funding, Liquidity and Capital Managing Interest Rate Risk

ABA Business Banking & Commercial Lending Diploma Analyzing Financial Statements & Commercial Lending OR ABA Commercial Lending Certificate ABA Principles of Banking Credit Products for Small Businesses Deposit Products for Small Businesses Ethical Issues for Bankers Law and Banking: Principles Presentation Skills Relationship Selling to Small Business Customers Servicing and Growing Small Business Relationships General Accounting or Financial Accounting

ABA Bank Operations Diploma ABA Principles of Banking Ethical Issues for Bankers Law and Banking: Principles or Law and Banking: Applications Money and Banking ABA Supervisor Certificate General Accounting or Financial Accounting

ABA General Banking Diploma ABA Principles of Banking Economics for Bankers Ethical Issues for Bankers Law and Banking: Principles or Law and Banking: Applications Marketing Financial Services General Accounting or Financial Accounting

ABA Consumer Banking Diploma ABA Principles of Banking Building and Retaining Customer Relationships Consumer Lending Effective Client Referrals Ethical Issues for Bankers Introduction to Relationship Selling Law and Banking: Principles or Law and Banking: Applications Personal Tax Return Analysis Presentation Skills General Accounting or Financial Accounting

Create a Customized Employee Development Program Unique to Your Financial Institution!

CFT will help create an Employee Development Program specific to your financial institution’s needs. Your program will consist of a track for each identified job function – for example General Banking, Frontline, Personal Banker, Lender, Operations, Supervisor/Team Leader. For each track, CFT will work with your designated expert on that function to combine your internal training programs, training options from other sources, and/or specific CFT courses and seminars.

The goal? To create a clear and concise roadmap that allows employees to take control of their educational development and allows trainers to train rather than continuously struggle with who needs to know what.

Interested in finding out how CFT can help your organization build its own Customized Employee Development Program? Call the CFT office today at 414-332-6468.


Bank Trainers Conference 2016 Diplomas

CFT Advanced Credit Analyst Diploma CFT Credit Analyst Diploma Types of CRE Loans, Risk Areas & Performance Drivers The CRE Underwriting Process Financing Different Types of Commercial Property Understanding & Evaluating Leases, Appraisals & Environmental Assessments Loan Structure & Documentation Considerations Construction Lending

CFT Credit Analyst Diploma **Courses must be taking in the following order Intro to Credit Analyst Certificate Analyzing Financial Statements & Commercial Lending OR ABA Commercial Lending Certificate Law & Banking: Principles or Applications

CFT Human Resources Diploma Principles of Banking Business Communications or Communication Skills Human Resource Management Any 2: Human Resource Selection, Employment Labor Law, Organizational Behavior

CFT Management Diploma Principles of Banking Management OR Supervisor Certificate Business Communication OR Communication Skills The Future of Business ANY TWO of the Following: Human Relations in Banking Human Resource Management Human Resource Selection Understanding Organizational Behavior

CFT Real Estate Lending Diploma Principles of Banking Analyzing Financial Statements Building & Retaining Customer Relationships Economics for Bankers General OR Financial Accounting Introduction to Mortgage Lending Law and Banking: Principles or Applications Real Estate Appraisal Real Estate Finance Real Estate Law

CFT Advanced Financial Services Diploma Principles of Banking OR Banking Today OR 3 years of Bank Experience Analyzing Financial Statements Business Communication Customer Service Excellence OR Sales Excellence Economics for Bankers General OR Financial Accounting Human Relations in Banking OR Management Law & Banking: Principles OR Applications Marketing Financial Services Money & Banking ANY 2: Consumer, Commercial, Mortgage Lending Classes

CFT Financial Services Diploma Principles of Banking OR Banking Today OR 3 Years of Bank Experience Customer Service Excellence OR Sales Excellence General OR Financial Accounting Human Relations in Banking OR Management Law & Banking: Principles OR Applications Marketing Financial Services

CFT Sales & Service Diploma CFT Retail Banking Certificate CFT Sales Certificate OR CFT Sales Manager Certificate Principles of Banking Marketing Financial Services Human Relations in Banking OR Management


Bank Trainers Conference 2016 ABA Online Certificates

Save $150

ABA Online Certificates

Save $150

ABA Bank Service Provider Certificate $395 Banking Today Ethical Issues for Bankers Fundamentals of Consumer Lending Fundamentals of Small Business Banking Understanding Bank Products

ABA Bank Teller Certificate $595 Banking Today Dealing Effectively with Co-Workers Effective Client Referrals Essentials of Workplace Conduct Ethical Issues for Bankers Introduction to Relationship Selling Revitalizing Customer Service Teller Basics

ABA Branch Manager Certificate $995 Banking Today Building and Retaining Customer Relationships Calling on Small Business Customers Coaching for Success Corrective Action Effective Written Communications Ethical Issues for Bankers Fundamentals of Consumer Lending Fundamentals of Small Business Banking Hiring the Best Introduction to Relationship Selling Leveraging the Benefits of a Diverse Workforce Managing Change Managing Employee Performance Managing Employee Relations Rewards and Recognition Presentation Skills Sales Coaching Curriculum Servicing and Growing Small Business Relationships Successful Sales Campaigns

ABA Certificate in Lending Compliance $1,995 Anatomy of a Regulation Community Reinvestment Act, Community Bank (CRA) or Large Bank (CRA) Credit Card Regulations Elements of Compliance Program Equal Credit Opportunity Act (ECOA) Reg B Fair Credit Reporting Act (FCRA) Home Mortgage Disclosure Act (HMDA) Loans to Insiders (Reg O) National Flood Insurance Regulations Real Estate Settlement Procedures Act (RESPA) Reg Z Closed-End Credit Reg Z Open-End Credit Servicemembers Civil Relief Act (SCRA) Unfair, Deceptive or Abusive Acts or Practices (UDAAP)

ABA Certificate in Commercial Lending $600 Understanding Business Borrowers Analyzing Business Financial Statements & Tax Returns Analyzing Personal Financial Statements and Tax Returns Qualitative Analysis & Determining a Credit Risk Rating Loan Structuring, Documentation, Pricing & Problem Loans

ABA Personal Banker Certificate $595 Banking Today Building and Retaining Customer Relationships Consumer Credit Products Cross-Selling Deposit Products Dealing Effectively with Co-Workers Effective Client Referrals Effective Written Communication Ethical Issues for Bankers Fundamentals of Consumer Lending Fundamentals of Small Business Banking Introduction to Relationship Selling Introduction to Analyzing Financial Statements Managing Time at Work Teleconsulting Understanding Bank Products

ABA Customer Service Representative Certificate $595 Banking Today Building & Retaining Customer Relationships Cross-Selling Deposit Products Dealing Effectively with Co-Workers Effective Client Referrals Effective Telephone Communication Ethical Issues for Bankers Introduction to Relationship Selling Revitalizing Customer Service Understanding Bank Products

Special pricing if you enroll in an entire ABA Certificate at

once! Students have 12 months to complete the

certificate bundle!


Bank Trainers Conference 2016 ABA Online Certificates

Save $150


Save $150

Save $345

ABA Universal Banker Certificate $595 Banking Today Building and Retaining Customer Relationships Consumer Credit Products Cross-Selling Deposit Products Dealing Effectively with Co-workers Effective Client Referrals Ethical Issues for Bankers Introduction to Relationship Selling Presentation Skills Revitalizing Customer Service Understanding Bank Products

ABA Team Leader Certificate $595 Banking Today Coaching for Success Dealing Effectively with Co-Workers Effective Written Communication Managing Change Meetings that Work Presentations Skills Rewards and Recognition

ABA Supervisor Certificate $595 Banking Today Coaching for Success Corrective Action Ethical Issues for Bankers Hiring the Best Leveraging the Benefits of a Diverse Workforce Managing Change Managing Employee Performance Managing Employee Relations Rewards and Recognition


Take Charge of you

Career Now ABA Certificates are even more affordable and more convenient. If you are a self-starter and comfortable learning on your own, you can fast track your career. We’ve made it easier by allowing you to complete select certificates with all self-paced online courses. Self-paced online training is highly interactive and engaging; and it’s available fo you to complete anytime, anywhere. And these certificates are focused on skills you can use immediately in your job. You can purchase all the courses you need at once at a discount, starting at just $395 for each certificate.

ABA Small Business Banker Certificate $595 Banking Today Calling on Small Business Customers Credit Products for Small Businesses Deposit Products and Services for Small Businesses Fundamentals of Small Business Banking Introduction to Analyzing Financial Statements Personal Tax Return Analysis Relationship Selling to Small Business Customers Retirement Products for Small Businesses Servicing and Growing Small Business Relationships Small Business Borrowing

ABA Residential Mortgage Lender Certificate $775 Banking Today Appraisal Procedures Basics of Mortgage Processing Completing the HUD-1 Discovering FHA Programs Effective Client Referrals Elements of Title Insurance Essentials of Mortgage Lending Ethical Issues for Bankers Explaining Loan Modifications Gathering the Facts on Mortgage Fraud Mortgage Customer Counseling and Prequalification Personal Tax Return Analysis Preparing the Closing Disclosure Preparing the Loan Estimate Processing and Underwriting Credit Processing Income and Assets Reviewing the Appraisal Report

ABA Certificate in Deposit Compliance $1595 Anatomy of a Regulation BSA/USA Patriot Act Digital Compliance Electronic Funds Transfer Act (Reg E) Elements of a Compliance Program Expedited Funds Availability Act (Reg CC) Office of Foreign Assets Control (OFAC) Privacy/Information Sharing Reserve Requirements for Depository Institutions Act (Reg D) Truth-in-Savings Act (Reg DD) Unfair, Deceptive or Abusive Acts or Practices (UDAAP)


Bank Trainers Conference 2016 CFT Certificates

CFT Intro to Accounting Certificate Principles of Banking Business Math Business Communication Economics for Bankers General or Financial Accounting

CFT Intro to Financial Services Certificate Principles of Banking Business Math Customer Service Excellence Economics for Bankers Law and Banking: Applications OR Law and Banking: Principles Marketing Financial Services

CFT Sales Manager Certificate Banking Today Building & Retaining Customer Relationships Event Based Selling Introduction to Relationship Selling Meetings that Work Rewards & Recognition Sales Coaching in the Bank Successful Sales Campaigns

CFT Intro to Credit Analysis Certificate Principles of Banking General or Financial Accounting Effective Written Communication Introduction to Analyzing Financial Statements Personal Tax Return Analysis

CFT Lending Fundamentals Certificate Banking Today Fundamentals of Consumer Lending Essentials of Mortgage Lending Introduction to or Overview of Analyzing Financial Statements Qualifying Mortgage Prospects Small Business Borrowing

CFT Retail Banking Certificate Banking Today Building & Retaining Customer Relationships Consumer Credit Products Cross-Selling Deposit Products Effective Client Referrals Fundamentals of Consumer Lending Introduction to Relationship Selling Effective Written Communication

Whatever your learning style, CFT has it – evening classroom, independent study, online instructor-led, online self-paced, webinars, and webcourses.

Just sign up and you are on your way to a great education leading to a great career!

CFT Call Center Representative Certificate Banking Today Cross-Selling Deposit Products Effective Client Referrals Intro to Relationship Selling Tele-consulting Effective Telephone Communications Understanding Bank Products

CFT Sales Certificate Banking Today Building & Retaining Customer Relationships Cross-Selling Deposit Products Effective Client Referrals Event-Based Selling Introduction to Relationship Selling Understanding Bank Products


Bank Trainers Conference 2016 CFT Policies & Procedures

Code of Ethics The Center for Financial Training recognizes that it takes more than quality education and a commitment to the financial services industry to be successful in accomplishing our mission. We rely heavily on our solid reputation for honesty, fairness, and ethical conduct to attract our students, recruit quality instructors, and retain high levels of customer retention and respect that we have worked hard to achieve. Our reputation ultimately rests on the good judgment and personal integrity of everyone – staff, volunteers, students, instructors, and all other associated individuals and organizations – involved with CFT.

Those associated with CFT in any capacity shall commit themselves to: Maintaining the highest standard of personal conduct, avoiding even the

perception of improper conduct Striving for excellence in all aspects of CFT Using only legal and ethical means in all CFT activities, including conducting

all financial transactions in a responsible manner Acting with impartiality in all CFT matters Maintaining the confidentiality of privileged information entrusted to them

by virtue of their association with CFT Refusing to engage in, or tolerate, activities for personal gain at the

expense of CFT or the financial services industry Communicating in a truthful and accurate manner

Academic Integrity CFT strongly supports the concept of academic integrity and seeks to foster sound moral behavior in its students and faculty. Academic dishonesty can take many forms, including cheating on examinations, plagiarism, helping others to commit dishonest acts, etc. and must never be tolerated. Students engaging in academic dishonesty are subject to serious consequences. Instructors who observe or suspect an incident of academic dishonesty shall bring it to the attention of the appropriate CFT office personnel immediately for prompt investigation, review, and action.

Attendance Policy Student attendance and class participation play an important role in the education process. For this reason, CFT has adopted the following attendance policy. More than three absences in a 15 week course, two absences in a 10 week course, one absence in a 5-8 week course, or any absence in a course of less than 5 weeks may result in the loss of course credits, a decrease in grade, or removal from the course. The entire cost of the course will still be charged and the student may be responsible for those charges.

Substitution If you intend to withdraw prior to the start of class, a substitute may attend. CFT must be notified in writing of a substitution prior to the start date to avoid the withdrawal fee.

Nondiscrimination Clause CFT reaffirms its standing policy of nondiscrimination in employment and in all programs and activities with respect to race, creed, color, gender, age, religion, national origin, handicap, or veterans’ status.

Smoking Policy There is absolutely no smoking allowed in any facility that CFT holds programs. Those who smoke will have to do so in designated areas outside of the building.

Inclement Weather Policy In the event of inclement weather, students attending courses held at schools or colleges should listen to their local radio station for closing announcements. Students attending courses/seminars held at financial institutions or other facilities will be notified by the CFT office if the course/seminar will be cancelled due to inclement weather. If you are ever in doubt, please call your instructor or the CFT office at 414-332-6468.

Grading CFT uses an official letter grading system for courses eligible for awarding credit. Letter grades are awarded as follows:

A (90-100%) B (80-89%) C (70-79%) D (60-69%) F (>60%)

P = Passing (Recorded for programs that do not have a formal examination at the end of the course.) I = Incomplete (Recorded when a student is unable to complete course for legitimate reasons. Course must be completed with one month of completion date or grade will automatically become an “F”.) T = Transfer Credit (Recorded for transfer credits from accredited colleges and universities. Only courses completed with a “C” or better may be considered for transfer credit. There may be a fee charged for transferring credits onto the CFT transcript. W = Withdraw (Recorded when written notification is received prior to the conclusion of the course. An “F” will be recorded if the student has not withdrawn in writing.)

Withdrawal Policies Students must notify the CFT office and their financial organization in writing with intent to withdraw. Failure to comply with these instructions, even during the pre-registration period, may result in the student absorbing all fees. Withdrawal forms are available on our website at www.cftncs.org. In -Person Semester Courses - A $50.00 fee applies to all

withdrawals once the registration has been sent to the CFT office.

1-7 Week Course...Must be reported prior to the start date to receive a full refund, $50 withdrawal fee still applies. No refunds will be given after start date.

8-15 Week Course...Must be reported prior to the start date to receive a full refund, $50 withdrawal fee still applies. No refunds will be given after the third class date but a substitute may attend with prior written notification to CFT.

Independent Study - A $100.00 fee applies once registration and payment is received by the CFT office. No refunds will be issued once the student has been mailed the course materials.

Online Course - Withdrawals must be received by CFT no later than ten days prior to the start date to receive a full refund, minus the $50.00 withdrawal fee. Any withdrawal received less than ten days before the start of the course will be assessed a cancellation fee as follows:

6+ week course..................... $100.00 +textbook fee 4-5 week course.................... $75.00+ textbook fee Transfer fee (applies once course starts)....... $150.00 No refund after start date

Self -Paced Online Course - No refunds will be issued once registration has been processed.

Seminars – No refunds issued after the registration deadline. No shows will be charged full amount due. Substitutes are welcome with prior consent.


Bank Trainers Conference 2016 Student Recordkeeping

Recordkeeping The Center for Financial Training follows a strict confidentiality policy regarding CFT student records. All requests for CFT student records must be submitted in writing from the student. The one exception to this requirement is for the appropriate representative at the student’s financial institution to receive the student’s grade upon the completion of the course, and periodically receive transcript information on employees for personnel files. Students sign an authorization to release this information to their employer when they register for a CFT course. Following are the types of recordkeeping services available. Student Transcript CFT maintains all student records on file at the CFT office. Students who wish to obtain a copy of their CFT student records should complete the CFT Transcript Request Form found on our website or obtainable from the CFT office. Most colleges and universities require an official transcript when students request a transfer in of CFT credits. An official CFT transcript costs $25 per copy requested and includes an unofficial copy sent to the student. Please note that transcripts cannot be faxed. If the last courses taken were prior to 1990, an additional $10 archival fee will apply. Credit Transfer Evaluation CFT accepts transfer credit from most colleges and universities. In order to receive transfer credit into a CFT student record, students will need to complete the CFT Transfer Evaluation Form found on our website or obtainable from the CFT office and forward it along with the $40.00 transfer credit evaluation fee. Please instruct your college to send your official transcript directly to the CFT office. Upon completion of the transfer credit evaluation by CFT, students will receive their CFT transcript reflecting which college credits were accepted into their CFT student record.

CFT Board of Directors

The Center for Financial Training, North Central States is honored to present our distinguished Board of Directors. In addition to their oversight and governance, the Board ensures that the financial services industry as a whole receives the highest quality educational

opportunities provided by highly respected instructors and facilitators.

It is the goal of CFT to have board representation from all areas of Wisconsin, all size banks, and several different functions within the bank. We are always interested in hearing from bankers who feel they could help make a difference in the area of training and education for the financial industry. If you would be interested in joining the CFT Board of Directors, please contact Sandy Kuehn at [email protected] for more information.

Have a training need that was not addressed in this catalog? Give us a call and we will work with you to build the training your employees need – 414-332-6468.

President: Mary Litzenberger, Abby Bank Advisor: Dawn Schimke, Associated Bank Treasurer: Peter Schumacher, Community State Bank

Secretary: LaWanda Baldwin, Milwaukee Public Schools

Directors: Jill Breitrick, Premier Community Bank Rachel Dumke, First Bank Financial Centre Sharon Egan, AnchorBank Lori Ruch, National Exchange Bank & Trust Melanie Spencer, Port Washington State Bank

Senior Advisors:

Terri Peterson Dave Mauer, M&I Bank (retired)


Bank Trainers Conference 2016 Registration Form Spring 2016

COMPLETE FORM WITH APPROPRIATE SIGNATURES FOR BILLING

REGISTER ONLINE www.cftncs.org

FAX TO : 414-332-6478 OR MAIL TO: 5215 N. Ironwood Rd., Ste 202; Glendale, WI 53217

1 2 3 Student Name

Student Email (required for confirmations, online courses, webinars)

Organization Name

Supervisor’s Name Supervisor’s Title

Organization Address

City State Zip

Business Phone Business Fax Home Phone (for emergency only)

COURSE TITLE LOCATION/FORMAT DAY /DATES COURSE FEE

Processing Fee For Online and Independent Study only and is non refundable

$15.00

TOTAL

Course Format I Am Registering For: In-Person Seminar Independent Study Webcourse In-Person Course Online Course Webinar – Live Recorded Both

Payment (Choose One)

Invoice Bank

Attn: ________________________________ Check Enclosed

Credit Card: Visa MasterCard Discover

If paying by credit card: Name on Card: ____________________________________________ Address Associated with Card: __________________________________________________________ Street City State Zip Credit Card #:______________________________________________ Exp. Date: ________________ CSC# ______________

Generally it’s the last three digits in the signature area on back of card. Cardholder Signature: _______________________________________

Cancellation Policy: Cancellations must be received in writing up to five (5) business days prior to seminar/webinar date to receive a full refund. Cancellations received less than five (5) business days before seminar/webinar and no-shows will be charged in full. Substitutions may attend if prior notice is received.

Withdrawal Policy: Students must notify CFT in writing with their intent to withdraw from a course. Forms can be found on the CFT website – www.cftncs.org. Withdrawals from In-Person courses must be received before first class for courses less than eight (8) weeks long and before the third class for courses longer than eight (8) weeks to receive a full refund minus the withdrawal fee ($50). Withdrawals from Online courses must be received ten (10) days prior to the start date to receive a full refund, minus the withdrawal fee ($50). No refunds will be issued after the start date. Withdrawals from Independent Study courses must be received within five (5) business days of receipt of materials to receive a full refund minus a withdrawal fee ($100).

By submitting this registration, I acknowledge that I have read and understand the withdrawal policies and hereby grant permission to provide information on my course to the CFT representative of my organization. I also understand that I may receive promotional material from CFT and may opt-out at any time. ___________________________________________________________ ________________________________________________________ Student Signature Date Supervisor/ CFT Representative Signature Date ___________________________________________________________ Manager/Supervisor Signature Date *Required for processing CFT-NCS reaffirms its standing policy of non-discrimination in employment and in all programs and activities with respect to race, creed, disability, color, sex, age, religion, or national origin

Center for Financial Training, North Central States, Inc. 5215 N. Ironwood Rd., Suite 202 Glendale, WI 53217 Phone: 414.332.6468 Fax: 414.332.6478 www.cftncs.org [email protected]

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