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Advancing Knowledge through Virtual and In-Person Programs

Course Catalog 2021

Conferences Seminars Forums

Series Scholarships

Webinars OnDemand

And MORE ...

ilbanker.com | registrar@ilbanker.com | 217-789-9340


Updated March 19, 2021

Table of Contents Program Delivery ................................................................................................................................................2 Continuing Education ........................................................................................................................................2 Bank Financial Management .............................................................................................................................3 Compliance and Banking Law ...........................................................................................................................4 Lending: Ag, Commercial, Consumer, and Residential ..................................................................................9 Human Resources and Workplace Fundamentals ........................................................................................14 Management & Leadership ..............................................................................................................................17 Marketing & Sales .............................................................................................................................................19 Operations and Technology ............................................................................................................................21 Retail Banking ...................................................................................................................................................22 Wealth Management .........................................................................................................................................31

Illinois Bankers Education Services Team Callan Stapleton, CAE, President Cassie Mattson, CMP, Manager of Events and Future Leaders Alliance Bob Anderson, Manager, Education Relations and IT Support Denise Perez, Manager, Education and Training Amy Sale, Education Assistant

Check the Calendar of Events on the IBA website (www.ilbanker.com) for updates on our educational offerings.

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Program Delivery

Continuing Education

Conferences provide specialized education and networking

Continuing Professional Education (CPE) The IBA is

opportunities that are necessary to stay competitive in today’s economic environment. Progressive educational content and innovative product showcases are the hallmark of IBA conferences.

Seminars are held at various locations throughout the state.

These informative programs examine the industry’s hot topics and encourage discussion, questions and networking with peers.

Banking Forums These exclusive member-only peer to peer groups were created by bankers for bankers to provide open forums for the learning and sharing of ideas. More ▪ ▪ ▪ ▪ ▪

CFO Human Resources Marketing Small Bank CEO Technology & Operations

Future Leaders Alliance The IBA answered the need

expressed by its member institutions to provide leadership training for future leaders of the banking industry. What evolved was the Future Leaders Alliance, an innovative program for aspiring bankers that emphasizes education, community service and networking. More

Webinars are live, Internet‐based programs that address timely banking topics to a broad audience – several employees may participate without leaving the bank. Archived programs are available for convenient access after original airing.

ABA Training is a comprehensive source for training and

education available through the American Bankers Association (ABA). Courses, certificates, and more are brought to you through the IBA, your Local ABA Training Provider. ABA's extensive suite of online training brings unmatched content in an interactive, digital format that responds to the industry's changing demographics. Online training is flexible, cost-effective, high-quality and engaging. ▪ Self-Paced Courses – Taken entirely on your own schedule. ▪ Instructor-Led Courses – Group collaboration and a virtual instructor, with fixed start and end dates. Certificates improve individual performance and provide nationally‐recognized credentials for career development.

Annual Scholarships ▪ ▪ ▪ ▪ ▪

Illinois Bankers Scholarship Fund IBA Future Leaders Alliance (FLA) Graduate School of Banking (GSB) GSB Human Resource Management School ABA Stonier Graduate School of Banking

recognized as a public accountant continuing professional education sponsor by the Illinois Department of Financial and Professional Regulation through December 31, 2021.

HR Certification Institute (HRCI) The IBA is recognized as

an HRCI Approved Provider through December 31, 2021. This status allows the IBA to obtain pre-approval for recertification credit hours, based on HRCI standards, to HR-related educational programs.

Society for Human Resource Management (SHRM)

The IBA is recognized as a SHRM Recertification Provider through February 28, 2022.

Illinois MCLE The IBA is recognized as an Accredited CLE

Provider by the Minimum Continuing Legal Education (MCLE) Board of the Supreme Court of Illinois through June 30, 2021. Attorneys wanting to attend CLE courses but find the cost to be a financial hardship should see the Association’s Financial Hardship Policy.

ABA Professional Certifications The IBA is approved by

ABA as an Accredited Continuing Education Provider. As a nonprofit, independent corporation sponsored by the American Bankers Association, the mission is to promote excellence and professionalism in all parts of the industry. Many IBA programs offer continuing education credits that can be applied toward these certifications. Persons interested in pursuing a designation must meet specific educational requirements and have a minimum level of experience in the area offered for certification. For more information, visit aba.com or call 202-663-5092. Areas of Certification ▪ Certified AML and Fraud Professional (CAFP) ▪ Certified Corporate Trust Specialist (CCTS) ▪ Certified Enterprise Risk Professional (CERP) ▪ Certified Financial Marketing Professional (CFMP) ▪ Certified IRA Services Professional (CISP) ▪ Certified Regulatory Compliance Manager (CRCM) ▪ Certified Retirement Services Professional (CRSP) ▪ Certified Securities Operation Professional (CSOP) ▪ Certified Trust and Financial Advisor (CTFA)

Secure Banking Solutions (SBS)

SBS certifications will prepare students and their financial institution for cybersecurity threats and regulations as well as create confidence with examiners and auditors. Each course is available online and is tailored to specific roles within an institution, creating a flexible and targeted learning experience. ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

Business Continuity Professional Cybersecurity Manager Ethical Hacker Forensic Investigator Incident Handler Mobile Administrator Security Executive Security Manager Security Technology Professional Vendor Manager Vulnerability Assessor

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Webinars (Live and On-Demand) 3/22 3/23 3/23 3/23 3/23 3/23

3/24 3/24 3/25

3/25 3/25

3/25 3/26 3/29 3/30 3/31 3/31 3/31 3/31 4/1

4/1

4/1 4/6

What Goes Into a Valuable Impact Analysis? * COVID Vaccines, Paid Leave, and Accommodations* Developing a Global Analysis of Property Holdings Overview of Evaluations and Other Valuation Options Advanced Personal Cash Flow Issues, Including Capital Gains Best Practices for Managing Your Loan Modification and Workout Processes in 2021 and Beyond IRA Beneficiary Distributions ROI - Speaking the CEO Language Treasury Management: A Powerful Tool to Increase Deposits and Fee Income* Emotional Intelligence Capital Planning - A Look at the Internal Capital Management Process to Balance Risk and Reward 8 Steps to Improve CrossSelling* Phishing 101: How Employees are Targets High Touch Coaching in a HighTech World* Checks - Endorsements, Fraud and Compliance Issues* Basic Bankruptcy for Bankers* CTRs and SARS: Line by Line* IRA Beneficiary Distributions Liquidity Strategies for Illiquid Community Bank Stocks Best-Ever Compliance Checklists for Commercial Loans* How to Move From Effective Advertising to Strategic Marketing Customer Experience Management: Lead It Or Lose It Overdraft Programs: The Danger Zones*

4/6 4/6

4/6 4/6 4/6 4/6 4/7 4/7 4/8 4/8 4/8 4/8 4/9 4/9 4/12 4/13 4/13 4/13 4/13

4/13 4/14 4/14 4/15

4/15 4/15

Understanding Commercial Loan Documentation* Components of Business Financial Statements & Tax Returns Advanced Cash Flow Analysis Four Keys to Loan Structuring Analyzing Personal Financial Statements Leading More Successful Projects Managing a Successful Call Center* 2021 Legislative Update HR Marijuana* How to Incorporate BCM into Your ERM Program* Leading More Successful Projects Managing Your Ag Loan Portfolio 2021 and Beyond Six Best Practices Behaviors for Perfect Teller Experience* FFIEC Information Security Handbook* Key Ratio Analysis* Seven Habits of Effective Credit Administration* Cash vs. Accrual Accounting Refresher Advanced Tax Return Analysis for the Bank Best Practices for Lines of Credit, Term Loans and Other Credit Facilities Overview of Credit History and the Role of Collateral Excel Explained: Pivot Tables 101* HSA Fundamentals Implementing Compliance Weaknesses Identified by Regulatory Agencies into Our Auditing & Monitoring Programs* Top 25 Safe Deposit Compliance Issues* Strategies for Succession Planning and Talent Management

4/16 4/19 4/20 4/20 4/20

4/20 4/21 4/21 4/21 4/21

4/21

4/21 4/22 4/22

4/23 4/23 4/26 4/26

4/27

Dealing with Casual Days* Commercial & Business Lending Basics for Support Personnel* Navigating and Analyzing a Business Tax Return Loan Agreements and Covenants Overview of Residential Mortgages and Home Equity Lending 25 Baseline Controls Banks Struggle to Implement* Compliance 101 for New Compliance Officers* Top 10 Most Frequent Flood Issues* HSA Advanced Concepts Maintaining Community Bank Independence in a Consolidating Environment Managing TDRs Start to Finish: Initial Identification to Rewriting to Non-TDR Status The Human Side of Digital Transformation Loan Modifications: What Are the Compliance Issues? * Funding Your Balance Sheet: You Can't Sell Money that You Don't Buy Right!  Interviewing Skills for Better Hires Vendor Management 2021 CRA: Five Steps to Pass the Exam* Introduction to Conducting a Compliance Audit/Review for New Compliance Officers* Developing and Analyzing Key Financial Ratios

* OnCourse Learning (formerly TTS)  Graduate School of Banking (GSB) ▪ American Bankers Association (ABA)

 Illinois Bankers Association

Illinois Bankers Association | 217-789-9340 | ilbanker.com | Rev. 3/19/2021


Updated March 19, 2021

Bank Financial Management Forum

ONLINE INSTRUCTOR-LED

CFO Forum

Managing Interest Rate Risk

IBA Members Only Springfield Group - May 7 (Virtual), August 6, December 3 Schaumburg Group - May 21 (Virtual), August 21, December 3 Designed to provide chief financial officers and senior financial managers the opportunity to network in a comfortable and professional environment. Facilitated by RSM US LLP and Plante Moran, the forum helps strengthen important ties with fellow community bank CFOs and financial managers and examines issues with a fresh perspective. The Forum meets three times a year.

Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

ONLINE INSTRUCTOR-LED Analyzing Bank Performance

An overview of tools and techniques to analyze and improve a bank’s financial performance. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance. Audience Junior-level bank officers all the way up through CEOs who need to analyze their bank's performance. Participants should have some basic knowledge of balance sheets and income statements. Start Dates – 5/17/21, 9/13/21

Managing the Bank’s Investment Portfolio

Fundamentals for understanding how a bank’s investment portfolio is managed. Objectives and composition of investment portfolios, and common bank investments are covered, focusing on their risk and return profiles. Various investment strategies are described, and the development of bank investment policies is discussed. Audience Individuals involved in managing the bank's investment portfolio. M $875/ NM$1,125

Audience This is a rigorous course designed for individuals involved in asset liability management or line managers making pricing, investment, or funding decisions that impact interest rate risk. M $875/ NM$1,125

Start Date – 4/12/21, 11/01/21

CERTIFICATES

ABA Training

M $875/ NM$1,125

An exploration of interest rate risk measurement techniques such as GAP, earnings sensitivity analysis, Duration GAP and economic value of equity sensitivity analysis. Risk management policy implementation and how to change overall interest rate sensitivity through balance sheet adjustments or derivative contracts are discussed.

Certificate in Bank Financial Management

Develop foundational skills for making key decisions that affect bank profitability. Learn how to conduct performance analyses. Discover ways to measure and manage interest rate risk. Explore best practices in managing funding, liquidity and capital. Demonstrate understanding by applying concepts in organization-specific exercises. Required Courses No substitutions or previous college credit will be accepted. The courses can be purchased individually or as a full certificate. Facilitated Online Five to eight weeks each in duration, and you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week. ▪ Analyzing Bank Performance ▪ Managing the Bank's Investment Portfolio ▪ Managing Funding, Liquidity, and Capital ▪ Managing Interest Rate Risk Self-Paced Online This course is approx. 25 minutes in length. ▪ Ethical Issues for Bankers Recommended Prerequisites Students should understand accounting and financial markets, as well as experience in the use of electronic spreadsheets. M $2,165 /NM $2,895

Start Date – 3/22/21, 8/02/21

Managing Funding, Liquidity and Capital

A summary of the bank funding types, liquidity issues and management of capital. Learn what funding is used by banks; how liquidity needs may be addressed by storing liquidity on the balance sheet or by securing additional funding; and bank capital’s purpose, regulatory requirements and the effect on profitability. Audience Individuals involved in funding, liquidity or capital management, or line managers making pricing, investment, or funding decisions that impact these areas. M $875/ NM$1,125

Start Date – 6/07/21

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ILLINOIS BANKERS SCHOLARSHIP FUND

BUILDING A TALENT POOL

This program provides scholarship funding to high school graduates and college students seeking a degree in the financial services industry in order to promote the development and continuation of a vibrant talent pool of future leaders in the field of banking. Applicants must be sponsored by an IBA member financial institution. Students may attend any accredited college or university. Awarded in amounts of $1,000 (with total annual awards capped at 25% of the fund balance) Full details available at ilbanker.com/scholarship


Updated March 19, 2021

Compliance and Banking Law Conferences

Forum

Compliance Conference

Compliance Forum

Whether you are a full-time compliance officer or an internal auditor, or if compliance is one of your many hats, this conference will help you identify and manage cutting-edge issues that are central to a successful compliance or audit program! More details to come!

Complying with rapidly evolving regulations requires perseverance plus significant commitments of time and resources. The landscape that has emerged will continue to present challenges for years to come. This group provides a forum for bankers to discuss matters of regulatory compliance risk, issues and best practices affecting all areas of compliance in the state of Illinois.

May 14 | Virtual

Bank Counsel Conference

Hybrid | July 23

December 3 | Renaissance Chicago Downtown Whether you provide general advice to a bank within the scope of a general practice or concentrate in one or more specific areas related to banking, this program will help you identify and manage cutting edge issues that are central to your clients and your practice.

Seminars BSA/AML Fundamentals Bootcamp Virtual | April 7-8, 2021

Series Regulatory Compliance Series Virtual | April 12-16, 2021

Earn the IBA's Certificate in Regulatory Compliance by participating in the entire series or any combination of the five informative programs. Program 1 | Credit Compliance, Part 1 Reg B: Equal Credit Opportunity Act Fair Credit Reporting Act Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Flood Disaster Protection Act Reg C: Home Mortgage Disclosure Act (HMDA) Program 2 | Credit Compliance, Part 2 Reg Z: Truth in Lending Act Reg X: Real Estate Settlement Procedures Act (RESPA) Program 3 | Credit Compliance, Part 3 Homeowners Protection Act (PMI) Reg Z: TILA-RESPA Integrated Disclosures Military Lending Act Program 4 | Deposit Compliance Reg D: NOW Eligibility and Savings / MMDA Limits Reg E: Electronic Funds Transfer Act Reg CC: Expedited Funds Availability Act Reg P: Privacy and Information Sharing "Opt Outs" Fair Credit Reporting Act / ID Theft "Reg Flags" Reg DD: Truth in Savings Accounts (TISA) Program 5 | BSA/AML Compliance and Regulators' Forum BSA/AML and USA Patriot Act Regulators' Forum

This program provides the framework for understanding the BSA team’s roles and responsibilities for BSA/AML and OFAC compliance. The financial industry is required to take an increased leading role in the prevention of money laundering and potential terrorist funding. Compliance with the Bank Secrecy Act (BSA) continues to be a top priority with the regulators. One major requirement of BSA is to designate a BSA/AML Officer and to ensure that the BSA Officer and the BSA Team are well trained and qualified to carry out the duties of this critical position. BSA is an on-going, ever-changing “safety and soundness” issue. This workshop will provide current, updated tools, techniques, and “real world” practice and examples for learning the critical components of a BSA/AML Program. We will review the basic BSA regulatory framework and provide you with an understanding of the BSA, OFAC, and core recordkeeping requirements. During the seminar, the attendees will utilize the FFIEC BSA/AML Examination Manual and 31 CFR Chapter X. Fee Per Person M $489 / NM $829

Advanced BSA/AML Academy Virtual | May 19-20

Compliance with the Bank Secrecy Act (BSA) continues to be a top priority of the regulators. Examiners are increasing their focus to ensure financial institutions are complying with all aspects of the Bank Secrecy Act (BSA) and its many regulatory requirements. The focus of this program is to provide an update to the BSA laws and regulations and to provide valuable information that will help you enhance your BSA Compliance Program and to help you prepare for your next BSA examination and audit. This timely BSA update provides current trends and tools for today’s BSA Officers and BSA team members. Participants will take part in case studies and develop “takeaways” that can be implemented back in the “real world.” Fee Per Person M $489 / NM $829

Audience Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors and Cashiers Fees Per Person (Includes Live and OnDemand Access through June 16, 2021) Full Series M $1,099 / NM $1,949 Individual Programs M $249 / NM $419

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Real Estate Lending Compliance

Virtual | May 11-12, 2021, 9:00 a.m. to 4:00 p.m. CT Congress has consistently provided special protection to consumer loan borrowers, especially those who secure loans with their home. There has been an explosion of new lending requirements over the past few years and the changes continue into 2021. The program provides an overview of the real estate lending requirements from ten regulations, along with comprehensive coverage of selected topics, policy suggestions, employee training tips, audit techniques and steps to eliminate past problems. Emphasis is placed on coverage and exemption rules, determining which disclosures are required, the content of the required disclosures and prohibited acts or practices. Every year major changes appear and this year is no exception. Provisions of the Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) continue to unfold. Those provisions impact Regulation Z, Regulation C, the Fair Credit Reporting Act and the SAFE Act. Revisions and clarification of HMDA and Regulation C continue. The program and the manual have been completely updated for these rules. In these days of the COVID-19 pandemic many lenders are making loans they have not made in the past or are making payment accommodations that they have not made in the past. If great care is not taken, these new efforts designed to provide relief to customers will lead to a COVID Hangover down the road. The presentations have been updated to include suggestions for avoiding the COVID Hangover. Facilitator Jack Holzknecht is the CEO of Compliance Resource, LLC

Performing Your ACH Audit

September 15 | Center for Banking Excellence, Springfield September 16 | Lewis University, Oak Brook If your bank utilizes the ACH network, you are aware that the NACHA Operating Rules & Guidelines requires that all participating depository financial institutions, as well as all third-party entities that provide ACH services conduct an annual audit to be performed by December 31. This seminar arms you with “inside” information on how to best comply with NACHA audit requirements. Appendix 8 of the NACHA Operating Rules will be reviewed step-by-step to ensure complete understanding of each requirement. Fee Per Person M $249 / NM $419

ACH Exception Handling

October 5 | Center for Banking Excellence, Springfield October 6 | Lewis University, Oak Brook Are you or your staff effectively processing ACH exceptions? Is your financial institution at risk of incurring losses due to improper procedures? Register for this seminar and learn how to handle the challenges of unposted items, stop payments and unauthorized entries. Real-life scenarios and case studies will also be discussed. Audience ACH Operations personnel, branch personnel, AAP Candidates, and Compliance Officers Fee Per Person M $249 / NM $419

Per Person Fee (Includes OnDemand Access for 30 days after live event) M $489 / NM $829

Webinar

CRA Review and Update

Payment Fraud Trends in the New Normal presented by MasterCard

Virtual | Thursday, May 13, 2021 9:00 AM - 4:00 PM It has been years since the federal bank regulatory agencies have overhauled the Community Reinvestment Act (CRA) regulations. Right now, major revisions are unfolding, but in awkward manner. ▪ On December 12, 2019 the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) released a Notice of Proposed Rulemaking (NPR) intended to increase bank activity in low- and moderate-income communities where there is significant need for credit, more responsible lending, greater access to banking services, and improvements to critical infrastructure. ▪ On May 20, 2020, the OCC approved a final rule to modernize the CRA regulations. The final rule is effective on October 1, 2020, but it will be several years before national banks have to fully implement the regulations. ▪ On September 21, 2020 the Federal Reserve Board (FRB) released an Advanced Notice of Proposed Rulemaking that starts the process of revising the FRB’s Regulation BB, which implements the Community Reinvestment Act for state member banks. ▪ At present the FDIC, the OCC and the Federal Reserve Board are united in the belief that major revisions to the CRA regulations are needed, but all three agencies are headed in different directions.

Thursday, May 06, 2021 10:30 AM - 11:30 AM

Credit card fraud is an issue that every issuing bank must be prepared to address and not just during the time of a pandemic. Join us for this informative webinar as we consider the emerging fraud trends of 2020 and what to anticipate for the future. Topics & Takeaways • Learn more about key trends in fraud & cyber • See how COVID-19 is creating new opportunities for fraudsters • Explore new opportunities to mitigate impact in the post-COVID era Audience Compliance Officers, Risk Managers, Lenders, and Auditors Speaker Emily Mancuso is Director, Product Sales - Cyber & Intelligence Solutions at Mastercard. Per Person Fee (OnDemand Access Available through July 6, 2021) M $99 / NM $199

Audience The program is designed for loan officers, compliance officers, CRA officers, loan department staff, bank counsel and auditors. Whether new to the requirements of the CRA and its regulations or a seasoned veteran, this program provides a comprehensive review of the rapidly changing requirements of the CRA. Facilitator Jack Holzknecht is the CEO of Compliance Resource, LLC Per Person Fee (Includes OnDemand Access for 30 days after live event) M $249 / NM $419

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ABA Training

ONLINE SELF-PACED

Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

ONLINE INSTRUCTOR-LED Compliance Training for Bank Boards

Train your Board before the bank's next regulatory exam and make sure your training program meets examination requirements. Compliance Training Topics ▪ Fair Lending ▪ Effective Compliance Program Management ▪ BSA/AML Training for the Board of Directors ▪ Insiders and Reg O ▪ Preparing for the Exam – What You Need to Know – A Director's Perspective M $395 / NM $595

Legal Foundations in Banking

This course covers key legal requirements affecting banks and bankers, as well as core language that must be understood to be effective. It provides the critical legal knowledge that every banker should know. This is a foundation course in the legal structure and basis for commercial banking, designed for new bankers, banking managers, or those transacting business directly with customers. M $675 /NM $830

Start Date – 9/13/21

ONLINE SELF-PACED CRCM Online Exam Prep

This course features audio and video lessons, readings, an online discussion board, access to a virtual instructor and practice tests. Selfassessment tools and confidence meters provide individual feedback to help you concentrate your study time where you need it the most, and a countdown meter helps keep you on track as you progress towards your exam date. All lessons can be completed at your own pace and are available fully online. What You'll Learn After completing this course, students will be able to: ▪ Demonstrate your compliance expertise in sample scenarios aligned to the exam domains ▪ Practice your aptitude in completing tasks in each knowledge area ▪ Test your knowledge of key compliance topics, processes and management expectations ▪ Prepare for the actual exam and know what to expect with sample tests that include real exam questions Access resources that you will leverage in your role of compliance manager (purchased separately) Audience Individuals preparing to take the Certified Regulatory Compliance Manager (CRCM) Exam. Check here to see eligibility requirements. M $895 / NM $1,045

Active Aggressor for Employees Active Aggressor for Managers ADA Accessibility ADA Interacting with People Who Have Disabilities ADA Overview and Employment Advertising: CAN-SPAM Act Appraisals: FIRREA and Interagency Guidelines Appraisals: Reg Z Requirements Bank Bribery Act Bank Protection Act Banking Law and Referrals BSA/AML: Beneficial Ownership and Customer Due Diligence BSA/AML: CIP Advanced BSA/AML: CIP Basics 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: Overview BSA/AML: Recordkeeping - Wires, Money Orders, and other Challenges BSA/AML: Reporting BSA/AML: Risk Assessment and Customer Due Diligence BSA/AML: SAR Filing BSA/AML: USA PATRIOT Act Community Reinvestment Act (CRA) Cybersecurity Fundamentals E-SIGN Compliance Elder Financial Abuse Equal Credit Opportunity Act (Reg B) Expedited Funds Availability Act (Reg CC) Extending Credit to Bank Insiders (Reg O) FCRA: Adverse Action FCRA: Affiliate/Third Party Information Sharing FCRA: Duties of Furnishers FCRA: Introduction and Overview FCRA: Medical Information Sharing FCRA: Notice to Consumers (Risk-Based Pricing) FCRA: Permissible Purpose FCRA: Prescreened Offers of Credit FCRA: Use of Consumer Reports in Employment Fair Debt Collection Practices Act Fair Housing Act Fair Lending FDIC Insurance Coverage Flood Disaster Protection Act Fraud Recognition and Prevention Good Faith Estimate and HUD-1 Home Mortgage Disclosure Act (HMDA) Overview Homeowners Protection Act Information Security and Red Flags Military Lending Act Mortgage Servicing: ARM Notices Mortgage Servicing: Early Intervention and Continuity of Contact Mortgage Servicing: Error Resolution Mortgage Servicing: Escrow Accounts Mortgage Servicing: Force-Placed Insurance Mortgage Servicing: Loan Origination and Servicing Transfers Mortgage Servicing: Loss Mitigation Mortgage Servicing: Overview Mortgage Servicing: Payment Crediting and Periodic Statements Mortgage Servicing: Successors in Interest Office of Foreign Assets Control (OFAC) Privacy for Customer Contact Personnel Real Estate Settlement Procedures Act (RESPA) Overview Recognizing and Preventing UDAAP Reg E Consumer Liability Reg E Consumer Remittances Reg E Disclosures Requirements

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ONLINE SELF-PACED ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

Reg E Error Resolution Requirements Reg E Gift Cards Reg E Overdrafts Reg E Overview Reg E Payroll Cards Reg E Preauthorized Transfers Reg E Prepaid Accounts Reg Z Adjustable Rate Mortgages Reg Z Advertising Reg Z Credit Cards Reg Z HELOCs (Open-End Credit) Reg Z HOEPA and Higher-Priced Mortgage Loans Reg Z Installment and Home Equity Loans (Closed-End Credit) Reg Z Mortgages (Closed-End Credit) Reg Z Non Home Secured (Open-End Credit) Reg Z Overview Reg Z Private Higher Education Loans Reg Z Reverse Mortgages Reg Z Right of Rescission Reserve Requirements for Depository Institutions (Reg D) Right to Financial Privacy Act (RFPA) Robbery and Bank Security Servicemembers Civil Relief Act (SCRA) Sexual and Workplace Harassment Sexual and Workplace Harassment for Managers Social Media: Managing the Risks Telephone Consumer Protection Act (TCPA) The S.A.F.E. Act: Secure & Fair Enforcement for Mortgage Licensing Act TILA-RESPA Integrated Disclosures Truth in Savings Act (Reg DD) Unlawful Internet Gambling Enforcement Act (UIGEA) (Reg GG)

Certificate in Deposit Compliance

Gain a thorough understanding in key deposit regulations, and the ability to identify and respond to compliance requirements. Get unlimited access to all course content for 12 months - including and updates on new issuances and regulation changes made within that year. Required Courses ▪ 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) M $1,595 / NM $2,095 NM

Certificate in Fraud Prevention

In-depth training on the applicable U.S. laws and regulations governing fraud, and an overview of the types of criminal behavior commonly used against banks. Designed to be an excellent refresher for experienced financial crimes professionals who wish to take the Certified AML and Fraud Professional (CAFP) exam, and may be required for those individuals with less than five years' experience in the field. Required Courses ▪ Introduction to Fraud Management ▪ Establishing a Fraud Prevention Program ▪ Types of Fraud and Prevention Strategies ▪ Operating a Fraud Prevention Program ▪ Maintaining a Compliant Fraud Prevention Program M $795 / NM $1095

CERTIFICATES Certificate in BSA and AML Compliance

Improve your ability to detect and prevent suspicious and criminal activity with this overview of the types of criminal behavior commonly used against banks, including in-depth training on the applicable U.S. laws and regulations governing money laundering. The curriculum is designed to be a refresher for experienced financial crimes professionals who wish to take the Certified AML and Fraud Professional (CAFP) exam, and may be required for those individuals with less than five years' experience in the field. Required Courses ▪ Introduction to BSA/AML ▪ SARs and Information Sharing ▪ Currency and Correspondent Banking Accounts ▪ Electronic Banking and Funds Transfer Activities ▪ Higher Risk Accounts and Activities ▪ BSA Requirements for Business Accounts ▪ BSA Requirements for Foreign Customers and Accounts ▪ Components of an AML Compliance Program ▪ International Partners in AML ▪ Office of Foreign Assets Control (OFAC) for Compliance Professionals M $1,595 / NM $2,095 NM

Certificate in Lending Compliance

Demonstrate to bank management and examiners you have a thorough grounding in key lending regulations, and the ability to identify and respond to compliance requirements. Includes any updates on new issuances and regulation changes made within that year. Required Courses ▪ Anatomy of a Regulation ▪ Community Reinvestment Act, Community Bank (CRA)-ORCommunity Reinvestment Act, Large Bank (CRA) ▪ Credit Card Regulations ▪ Elements of a Compliance Program ▪ Equal Credit Opportunity Act (ECOA) Reg B ▪ Fair Credit Reporting Act (FCRA) ▪ Federal Flood Insurance Regulations ▪ Good Faith Estimate and HUD-1 ** ▪ Home Mortgage Disclosure Act (HMDA) ▪ Loans to Insiders (Reg O) ▪ Real Estate Settlement Procedures Act (RESPA) ▪ Reg Z Ability to Repay (ATR) and Qualified Mortgage (QM) ▪ Reg Z Closed-End Credit ▪ Reg Z Open-End Credit ▪ Servicemembers Civil Relief Act (SCRA) ▪ Unfair, Deceptive or Abusive Acts or Practices (UDAAP) M $2,195 / NM $2,695

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CERTIFICATES

RESOURCES

Certificate in Operational Risk Management

Reference Guide to Regulatory Compliance, 30th Ed.

Address training needs across the bank's three lines of defense and maintain a strong operational risk management program. Understand the fundamental governance structures, procedures, controls, and cultural aspects necessary for an institution to successfully manage operational risk. Required Courses ▪ Elements of an Operational Risk Management Program ▪ Cybersecurity Management ▪ Fraud and Criminal Threats ▪ Incident Management and Resilience ▪ Operational Risk Model Management ▪ Oversight and Management of Operational Risk ▪ Payments and Settlements ▪ Physical Security ▪ Regulatory Exam Management ▪ Risk Control and Self-Assessment ▪ Vendor Risk Management M $1,595 / NM $2,095 NM

Certificate in Risk Management Frameworks

Each course walks through a critical process in sufficient detail for a targeted, yet integrated view of risk management activities vital to an institution, such as establishing an effective governance process followed by risk identification, measurement, evaluation, monitoring, controls and reporting. Required Courses ▪ Introduction to Enterprise Risk Management ▪ Board and Senior Management Oversight ▪ Enterprise Risk Management Reporting ▪ Risk Policies, Procedures, and Limits ▪ Risk Management Control Framework ▪ Risk Identification ▪ Risk Measurement and Evaluation ▪ Risk Mitigation ▪ Risk Monitoring M $1,395 / NM $1,895

Certificate in Financial and Credit Risk Management

This certificate includes seven courses covering the foundational aspects of financial and credit risk management. The financial risk courses provide principle lessons for understanding and managing interest rate and liquidity risks. The credit risk courses teach core methods for identifying, measuring, monitoring, and controlling risk levels within retail, commercial and agricultural lending, as well as addressing other sources of credit risk. Required Courses ▪ Financial Risk Management: Interest Rate Risk ▪ Financial Risk Management: Liquidity Risk ▪ Introduction to Credit Risk Management ▪ Credit Risk Management: Managing, Monitoring, and Measuring ▪ Credit Risk Management: Retail Lending ▪ Credit Risk Management: Commercial and Agricultural Lending ▪ Credit Risk Management: Other Sources of Credit Risk M $1,295 / NM $1,795

This guide is an ideal resource for compliance managers, department staff, product managers, and retail branch banking managers. The Guide is a recommended study resource for the Certified Regulatory Compliance Manager (CRCM) exam, with self-study and review questions and answers, and a cross-reference of book sections to exam topics. Updates to the new 30th edition include: ▪ ▪ ▪ ▪ ▪ ▪ ▪

Fair Lending Reserve Requirements (Reg D) Electronic Funds Transfer Act (Reg E) Expedited Funds Availability (Reg C) HMDA BSA/AML And many more!

View the Table of Contents (PDF) 3-hole punched Paper Version or Adobe Digital Reader eBook M $350 / NM $495 Order Today!

IBA Compliance Connection®

Illinois bankers are constantly challenged with new laws, regulations, enforcement trends and other pressing compliance concerns. We have an exciting resource to help you — IBA Compliance Connection® — a free website for all employees of IBA member banks that will quickly become your “go to” source for banking compliance information, guidance and support — every day! What You'll Find on the IBA Compliance Connection® ▪ More than 200 (and growing!) Topic Pages covering a broad spectrum of compliance matters, indexed by bank process and function, together with all relevant laws and regulations ▪ Over 4,000 (and growing!) original IBA Q&As, together with relevant articles, court decisions, and more ▪ A developing Forms Library with sample policies, procedures, checklists, worksheets and other forms ▪ The latest in Compliance News, with daily updates from the IBA Law Department ▪ A Law Resource Library compiling the best legal resources on the internet ▪ Can't find what you're looking for? Just hit the GOT COMPLIANCE? button and ask us a question! And best of all, the IBA Compliance Connection® is FREE for all employees of IBA member banks! If your bank is an IBA member, you are an IBA member! Sign Up Today at www.GOTOIBA.com!

Regulatory University Free Online Compliance Training | Powered by FIS An Exclusive Benefit for IBA Member Banks and Thrifts All your employees can enroll in free online course work to stay informed of those always changing laws and regulations! IBA member banks and savings banks that enroll in this complimentary training have access to nearly 100 interactive courses in key regulatory areas. Your inhouse program administrator can enroll employees, assign customized course programs, and run sophisticated management reports to monitor each employee’s progress, while enabling your organization to determine additional training needs. By participating in this program, you can demonstrate to examiners that your organization has a thorough and ongoing company-wide training program! Regulatory University is the only online training solution that ALL industry regulators use today. Most recently, the Consumer Financial Protection Bureau has taken up training their examiners and consumer response team through Regulatory University! Enroll Today! For more information call 217-789-9340 or visit ilbanker.com.

Illinois Bankers Association

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Updated March 19, 2021

Lending: Ag, Commercial, Consumer, and Residential Conference American Mortgage Conference Virtual | March 23

This conference brings together leading experts in the financial services industry, mortgage practitioners of every kind, policy makers and investors to discuss important issues in the mortgage field and to analyze what progress is being made in Washington. This program includes a panel of industry experts, peer networking, live networking sessions with our exhibitors and general session headline speakers.

Advanced Ag Credit Conference September 2-3 - TBD

School Midwest Agricultural Banking School

November 29 – December 2 | Purdue University, West Lafayette, IN The school delivers a solid foundation in agricultural credit principles and the most-timely topics of the day, all with a minimum investment of time and money! The curriculum is designed to provide you with the practical aspects of agricultural credit & finance, farm management, marketing & related subjects. The development and implementation of this curriculum has involved literally hundreds of bankers and has resulted in a nationwide system of quality banker education.

Seminars LaserPro Training 2021 Fee Per Workshop Each session limited to 12 registrants. M $449 | NM $599 Per Person

Commercial Document Preparation for Beginners Workshop April 20, 2021 – Virtual October 19, 2021 – Harper College, Schaumburg

This beginner’s course focuses on how to use LaserPro to produce commercial documentation. Current processors will also benefit from the instruction.

Consumer Real Estate for Beginners Workshop April 21, 2021 – Virtual October 20, 2021 – Harper College, Schaumburg

This beginner’s course focuses on how to use LaserPro to produce Consumer Real Estate documentation. Current processors will also benefit from the instruction.

Tips, Shortcuts and Best Practices Workshop April 22, 2021 – Virtual October 21, 2021 – Harper College, Schaumburg

This workshop uncovers some of the unique features of LaserPro, reviews program features and allow participants to interact with each other to discuss best practices.

Ag Lending Update Hybrid | April 21, 2021

This seminar focuses on the legal and financial risks to lenders as well as recent case law related to agricultural lending. You will become equipped with the special risk assessment, loan underwriting and customer management techniques which arise in today’s agricultural loan settings. The presentation includes a discussion of Uniform Commercial Code and will present alternatives and options for avoiding the pitfalls to documentation and perfection that have been identified by court opinions. Fee Per Person (Includes OnDemand Access) M $249 / NM $419

Introduction to Commercial Lending Virtual | June 2, 2021

Consumer Lending - Beyond the Basics Virtual | September 29 - October 1, 2021

This enhanced “Boots On The Ground” session will take you beyond basic training. Today’s lending function must be “more than just the deal” instead focusing on gaining fully-banked customers. This intermediate training is a 2.5-day, intensive, “real world” program focusing on the tools, skills, strategies and processes needed for today’s consumer lending team, filled with case studies, pre-and post-testing, and skills practices. Fee Per Person M $699 / NM $1,169

Fundamentals of Ag Financing Hybrid | November 9, 2021

Agricultural lending is a specialized type of commercial lending that requires knowledgeable, skilled loan officers to grow and manage a safe and sound agricultural loan portfolio, which may constitute a significant portion of the loan portfolio at your bank. Loan underwriting skills are the foundation of sound and prudent lending decisions. Examine three case studies on cash to accrual income and credit analysis. Review key ratios in ag credit analysis and methods for managing the loan relationship. Audience Ag bankers, commercial lenders, farm managers, loan support staff, and credit analysts with limited to intermediate experience. Fee Per Person (Includes OnDemand Access through January 9, 2022) M $249 / NM $419

Illinois Bankers Association

9


Updated March 19, 2021

Online Training

ABA Training

Breaking into Banking Powered by Keusal Learning

Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

Credit Officers and Commercial Training Managers — Here’s How to Build Skillful and Productive Commercial Bankers from Day 1… GUARANTEED. Focusing on the reality of the banking world over textbook portrayals of the business, these courses will equip you with key concepts and banking terminology and will show you how it all fits together.

ONLINE INSTRUCTOR-LED Analyzing Financial Statements

A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan. Audience Commercial and/or business bankers and credit analysts. The recommended prerequisite course is General Accounting. M $550 / NM $675 Start Dates – 5/10/21, 7/26/21, 12/06/21

Commercial Lending

Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved. Audience Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience. Breaking into Banking 101: Fundamentals of Commercial Banking This 10-module online course is broken into easy-to-digest lessons covering everything you need to know to get hired, start quickly, and advance in your new career. Andy gives you the inside scoop on what banks really want from you and how you can immediately differentiate yourself from others new to the industry.

M $550 / NM $675 Start Date – 6/14/21, 10/18/21

Breaking into Banking 201: Analyzing Repayment Sources This 9-module online course is a “sequel” to the 101 course and is best taken after completion of that course, though it is not a prerequisite. The 201 course dives deeper into topics covered in modules 4, 6, and 8 of the 101 course: analyzing a borrower’s balance sheet, income statement, collateral, and risk ratings.

Audience Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.

Breaking into Banking for Interns Unlike our other courses that are appropriate for various different audiences of learners, this course was created specifically for college students hired by banks for internships. It assumes no prior knowledge of the subject matter. This course was created specifically to meet that need, and includes a brief overview of retail banking, with a focus on commercial credit and lending. It is an ideal primer for those considering banking as a career. Audience New credit analysts, lenders, and underwriters, as well as bankers who don’t do credit analysis but need a working knowledge of the process. This may include statement spreaders, loan processors and closers, treasury management associates, administrative support for credit or lending officers, branch managers, and interns.

Sign Up Today!

Consumer Lending

Covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

M $500 / NM $650 Start Date – 7/06/21, 11/01/21

Introduction to Agricultural Lending

Designed to provide students with a basic overview of the agricultural lending function. Helps students have a fundamental understanding of the role of agriculture and ag lending in the financial services industry. Audience Those new to agricultural lending or with limited experience. M $475 / NM $575 Start Dates – 7/12/21, 9/27/21

Introduction to Mortgage Lending

Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud. Audience Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department. M $550 / NM $700

Start Date – 6/14/21, 9/20/21

Illinois Bankers Association

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Updated March 19, 2021

ONLINE SELF-PACED Analyzing Business Financial Statements & Tax Returns This curriculum covers the analysis of business financial statements and tax returns, including cash flow statements. Courses ▪ Income Statement Analysis ▪ Balance Sheet Analysis ▪ Ratio Analysis ▪ Cash Flow Analysis ▪ The UCA Model ▪ Cash Budgets and Pro Forma Statements Audience Commercial and/or Business Bankers and Credit Analysts M $150 / NM $200

Analyzing Personal Financial Statements & Tax Returns This curriculum examines personal financial statements and tax returns, including combining business and personal cash flows into a global analysis. Courses ▪ Types of Personal Financial Statements ▪ Key Ratios and Adjusted Net Worth ▪ Personal Tax Returns and Cash Flow ▪ Combining Business and Personal Cash Flow into Global Cash Flow Audience Commercial and/or Business Bankers and Credit Analysts M $150 / NM $200

Credit Products for Small Businesses

Describes differences between credit product features, the benefits and how to communicate them to drive home the advantages to the customer; explains how to match product needs to the customer borrowing cause, loan purpose, and business cycle clues to make the sale. Audience Bank personnel responsible for selling credit products to the small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts. M $95 / NM $130

The Commercial Real Estate Lending Decision Process Produced by the Risk Management Association (RMA) A comprehensive study of CRE lending, beginning with a description of loan types and progressing to an understanding of the underwriting process, leases, appraisals, loan structures and related risks. The series also includes resources, including reproducible work sheets for cash flow, compliance and important financial ratio calculations. Course List ▪ Series 1: Types of CRE Loans, Risk Areas and Performance Drivers ▪ Series 2: The CRE Underwriting Process ▪ Series 3: Financing Different Types of Commercial Properties ▪ Series 4: Understanding and Evaluating Leases, Appraisals and Environmental Assessments ▪ Series 5: Loan Structure and Documentation Considerations ▪ Series 6: Construction Lending There are 14 courses included in the complete series. Approximate time to complete the curriculum is between 18 to 25 hours. Audience Commercial lenders and credit analysts who are not real estate specialists but who need to know more about assessing real estate risk.

Deposit Products and Services for Small Businesses

Gain an understanding of general banking needs of business customers. The course covers common deposit and non-credit products, and their benefits to the small business client. Special emphasis is placed on connecting banking needs with the lifecycle of the business. Audience Bank personnel who are new to the small business market and who are responsible for providing services to small business customers. M $95 / NM $130

Effective Referrals Suite

This suite explores the Effective Referral Model for recognizing, responding to, and revisiting referrals, and provides tactics for identifying clues about financial needs and connecting them to appropriate products and services. Concise, impactful lessons can be applied on the job immediately. Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 / NM $75

Fundamentals of Small Business Banking Suite

This suite explores the characteristics, expectations, and operational needs of small businesses. Explore the different legal structures and business types to better understand your small business clients. Discover the different steps in each type of operating cycle and the stages of a small business’ life cycle. Completing this suite helps develop the key skills needed to create and sustain successful small business relationships. Concise, impactful lessons can be applied on the job immediately. Audience Bank personnel who have had limited exposure to the small business market but are responsible for servicing or selling to small business customers. M $95 / NM $130

Handling Mortgage Inquiries and Making Referrals

Describes the primary regulatory compliance Acts that affect mortgage inquiry, counseling, and application phases. Reviews the features and benefits of the most popular mortgage programs, important elements of different purchase and refinance transactions, and techniques and sample responses to customers for your mortgage referral to the MLO. Audience Those authorized to discuss mortgage loans with customers who do not have special mortgage licensing credentials (retail branch, loan servicing, or call center employees and employees who are involved in mortgage origination, such as originators, processors, underwriters, closers, etc.) M $95 / NM $130

Introduction to Analyzing Financial Statements

Reviews terms and steps associated with analyzing financial statements. Explains how tax returns report income and expenses from another perspective. Examines the computation and meaning of four categories of financial ratios and how ratios are used to spot significant trends. Audience Those responsible for reviewing financial statements for assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis. M $95 / NM $130

Updated Program Coming Soon!

Illinois Bankers Association

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NEW

U LY

D AT E D P

ABA Certificate in Business and Commercial Lending The exclusive ABA Certificate in Business and Commercial Lending develops key lending skills and an in-depth understanding of why businesses borrow. With new courses on CRE Cash Flow, Treasury Management and Effective Commercial Loan Write-Ups—and additional material on CRE, fraud, BSA/AML and asset-based lending—you’ll be “credit trained” and ready to bring in new, qualified business to the bank. If you’re new to commercial lending, analyzing credit or just want to ramp up your skillset, this is the certificate you need to get to the next level.

THE CERTIFICATE INCLUDES: Understanding Business Borrowers (5 courses) • • • • •

Business Sectors and Operating Cycles Why Businesses Borrow Business Legal Structures and Life Cycles Introduction to Business Financial Statements How Business Financial Statements are Constructed (Accounting Refresher)

Analyzing Business Financial Statements and Tax Returns (7 courses) • • • • • • •

Income Statement Analysis Balance Sheet Analysis Ratio Analysis Cash Flow Analysis The UCA Model Cash Budgets and Pro Forma Statements NEW: CRE Cash Flow and Cap Rates

• The Commercial Lending Process and Initial Business Development Calls • Credit Investigation and Assessing Nonfinancial Risk • Loan Policies and Procedure, Including Credit Risk Ratings • Overview of Loan Packages Components and Annual Reviews

Loan Structuring, Documentation, Pricing and Problem Loans (5 courses) • Commercial Loan Structuring • Identifying Viable Secondary and Tertiary Sources of Repayment • Key Documents, Loan Agreements and Covenants • Loan Pricing and Negotiating • Problem Loans

Analyzing Personal Financial Statements and Tax Returns (4 courses) • • • •

Qualitative Analysis and Determining a Credit Risk Rating (4 courses)

Types of Personal Financial Statements Key Ratios and Adjusted Net Worth Personal Tax Returns and Cash Flow Combining Business and Personal Cash Flow into Global Cash Flow

NEW: Effective Commercial Loan Write-Up (1 course) - Ensure loans are accurately represented and appropriately evaluated

NEW: Treasury Management (1 course) - Examines how the services organize and control cash assets, cash flow and business’ portfolio

Questions? Denise Perez Illinois Bankers Association dperez@ilbanker.com (312) 347-3400


Updated March 19, 2021

ONLINE SELF-PACED The Lending Decision Process Produced by the Risk Management Association (RMA) This series gives a foundation in the following areas of study: business and industry risk analysis, management assessment, financial accounting, balance sheet and income statement analyses, ratio trend analysis, cash cycle seasonality analysis, borrowing causes and repayment source assessment, cash flow analysis and using financial projections. Course List ▪ Series 1: Industry, Management, and Economic Influences ▪ Series 2: Interpreting Quality of Financial Reports and Accounts ▪ Series 3: Analyzing the Company's Financial Performance and Condition ▪ Series 4: The Cash Cycle, Seasonality and Discovering Borrowing Causes and Repayment Sources ▪ Series 5: Analyzing Cash Flow Statements to Measure Long-Term Repayment Ability ▪ Series 6: Using Financial Projections to Fine Tune the Credit Analysis Audience Loan trainees, credit analysts, and anyone with commercial lending authority. M $720 / NM $1,440

Loan Structuring, Documentation, Pricing and Problem Loans

This suite of five courses provides guidance on loan structuring and documentation issues in response to the quantitative and qualitative risk analysis. An overview of documents, loan agreements and covenants, as well as negotiating and pricing is included. Audience Commercial and/or Business bankers and Credit Analysts M $150 / NM $200

Mortgage Customer Counseling and Prequalification

Describes mortgage counseling and the type of information and techniques to improve communication between the MLO and customer. Reviews mortgage counseling from the transaction-oriented and mortgage program-oriented perspectives. Explains critical areas of review for each step in the prequalification process. Audience All bank Mortgage loan originators (MLOs) who have completed the federal and state requirements for mortgage originators. Note: Only MLOs can prequalify customers for a mortgage and take mortgage applications. The CFPB's Loan Originator Rule greatly expands the SAFE. Act definition of "loan originator" and requires certain loan origination activities be performed only by loan originators.

M $95 / NM $130

Qualitative Analysis and Determining a Credit Risk Rating

Covers qualitative analysis and how to assess industry risk, market risk and management risk. Learn the role of loan policy and the need to summarize the borrower’s various risks into an appropriate credit risk rating. Courses ▪ The Commercial Lending Process & Initial Business Development Calls ▪ Credit Investigation and Assessing Industry, Market and Management Risk ▪ Loan Policies and Procedure, Including Credit Risk Ratings ▪ Loan Packages and Credit Write-Ups Audience Commercial and/or Business bankers and Credit Analysts M $150 / NM $200

Retirement Products for Small Businesses

Explores advantages to small businesses when offering retirement plans and the five retirement products and their general characteristics to match to specific client business needs. Compares client needs throughout the business life cycle to product characteristics. Introduces a referral process to make effective client referrals to retirement specialists. Audience Those responsible for managing small business relationships with responsibilities for referring and/or selling retirement services and products. M $95 / NM $130

Small Business Borrowing

Describes the characteristics of the small business market that make it an attractive source of potential business. This course explores the overall relationship between the borrowing cause, loan purpose, and repayment source to better understand the small business client credit needs. Audience Those responsible for selling credit products to small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts. M $95 / NM $130

Understanding Business Borrowers

Learn how to identify and understand business industries and types— and why they borrow money. An introduction to the basic concepts of business financial accounting and entity structures is also covered. Audience Commercial and/or Business bankers and Credit Analysts M $150 / NM $200

Personal Tax Return Analysis

Explains how to analyze tax returns to determine a projected income and explores income trends, recurring versus non-recurring income, and how tax returns can be used as a sales tool. Audience Those in a position to use personal tax returns from clients for lending analysis. M $95 / NM $130

Illinois Bankers Association

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Updated March 19, 2021

CERTIFICATES Certificate in Business and Commercial Lending

This online self-paced certificate focuses on financial statement analysis and commercial lending, will familiarize lenders with both audited and unaudited statements, and fill any gaps in your understanding of credit analysis and underwriting. Pre and post-tests allow seasoned lenders to test out, and more importantly, let the industry know you are "credit trained" and ready to bring in new, qualified business. Required Courses Students have access to the curriculum for 1 year from date of purchase. The estimated time to complete these courses is approximately 34 hours. ▪ NEW: Effective Commercial Loan Write-ups ▪ NEW: Treasury Management ▪ Understanding Business Borrowers Suite (5 courses) ▪ Analyzing Business Financial Statements and Tax Returns Suite (7 courses) ▪ Analyzing Personal Financial Statements and Tax Returns Suite (4 courses) ▪ Qualitative Analysis and Determining a Credit Risk Rating Suite (4 courses) ▪ Loan Structuring, Documentation, Pricing and Problem Loans Suite (5 courses) IBA/ABA M $1,295 / NM $1,595 Per Person

Small Business Banker Certificate

Develop the key skills for building trusted relationships with business customers. Discover tactics to better engage customers by understanding their needs and being able to offer appropriate solutions. Develop a broad knowledge of small business-specific products. Learn how to cultivate strong customer relationships. Master best practices for executing sales calls, handling objections, and delivering on-going service. Gain insight into ways to grow your book of business.

Residential Mortgage Lender Certificate

A thorough review of banking, credit analysis, and legal principles that support the mortgage process, underscoring relationship sales skills in addition to the mechanics of the mortgage loan. The certificate is designed for aspiring mortgage lenders and those individuals new to the mortgage area of the bank, including mortgage loan clerks, loan processors, and closers. Required Courses The estimated time to complete is approximately 24 hours. ▪ Banking Basics Suite (12 courses) ▪ Appraisal Procedures* ▪ Basics of Mortgage Processing* ▪ Determining Your Role in Fraud Prevention* ▪ Discovering FHA Programs* ▪ Effective Referrals Suite (2 courses + 1 exercise) ▪ Essentials of Mortgage Lending* ▪ Ethical Issues for Bankers ▪ Explaining Loan Modifications* ▪ Mitigating Potential Fraud in Your Organization* ▪ 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* *These courses are offered through a partnership with AllRegs, a leader in residential mortgage lending. IBA/ABA M $775 / NM $985 Per Person

Required Courses The estimated time to complete is approximately 18 hours. ▪ Fundamentals of Small Business Banking Suite (two courses) ▪ Small Business Borrowing Suite (two courses, two exercises + two toolkits) ▪ Relationship Sales for Small Business Clients Suite (three courses, two exercises + one toolkit) ▪ Small Business Products Suite (three courses, one exercise + one toolkit) ▪ Growing Small Business Relationships Suite (two courses, one exercise + one toolkit) ▪ Sales Planning Suite (three courses, one exercise + one toolkit) ▪ Introduction to Analyzing Financial Statements ▪ Personal Tax Return Analysis IBA/ABA M $495 / NM $695 Per Person

Illinois Bankers Association

13


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Human Resources and Workplace Fundamentals Conference

ABA Training

Bank Trainers Virtual Summit

Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

The annual Bank Trainers educational event brings together hundreds of training professionals, representing financial institutions from across the country and beyond. The 2021 event will feature a wide variety of workshops covering everything from eLearning to Presentation Skills and Managing Change as well as unparalleled networking opportunities with the greatest minds in Learning and Development. In addition, there will be an industry-focused and intimate tradeshow that will provide the opportunity to discuss the latest training solutions and innovations. And so much more!

ONLINE SELF-PACED | ONBOARDING

More Details Coming Soon!

M $55 /NM $75

May 19- May 21, 2021

Forums Senior Retail Forum Gather with Your Peers Virtually February 25, June 28, September 27 from 9:00 a.m. to 2:00 p.m. This forum provides a platform for retail banking officers to exchange ideas freely, examine pressing issues, discuss current initiatives and trends with peers in this ever-changing regulatory, cost-conscious and productivity-drive environment. This virtual forum is designed for senior retail officers, retail managers, coordinators responsible for multiple branches/offices, and those who lead the retail banking sales and services efforts. Facilitator Dianne Barton, President of Performance Solutions, Inc., and a former bank training director Fee Per Person (includes all sessions) M $599 / NM $1,169

Human Resources Forum May 13, October 13

As unique situations arise in the HR world it is invaluable to have a network of peers to go to for guidance. The IBA’s Human Resources peer group provides an excellent opportunity to share ideas, information, and challenges with fellow human resource officers. Expect a lively, open discussion about critical employment issues facilitated by HR professionals serving the banking community. Participants will also receive real-world application from highly qualified experts in the field.

Ethical Issues for Bankers

This course is an in-depth exploration of the ethical standards expected of financial service professionals. Master best practices for observing a bank's code of conduct and adhering to federal laws. Develop a sound ethical framework to handle commonly experienced ethical dilemmas. Learn how to make ethically appropriate decisions.

ONLINE SELF-PACED | COMMUNICATION Communication Basics Suite

Explores the primary elements of effective communications, key in delivering good customer service. This suite provides tips for becoming an active listener, developing effective questioning, and understanding body language. Courses ▪ Becoming a Better Listener ▪ Communicating Effectively

▪ The Importance of Body Language

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 /NM $75

Online Communication Suite

Explores creating appropriate social media posts in a business environment. Completing this suite provides tips on social media etiquette. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Effective Social Media Communication

▪ Social Media Etiquette

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 /NM $75

Presentation Skills Suite

Explores delivering effective presentations in-person and virtually. Get tips and tactics for developing strong openings and closings, maintaining an audience's attention, and exuding confidence. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Crafting Your Message ▪ Delivering Your Message

▪ Getting Started ▪ Presenting Virtually

M $95 / NM $130

Illinois Bankers Association

14


Updated March 19, 2021

ONLINE SELF-PACED | COMMUNICATION Verbal Communication Suite

Explores tactics for creating memorable customer interactions, from initial greeting to conclusion, whether in-person or over the phone. Completing this suite provides best practices to create positive customer service experiences. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Effective Conversation ▪ Greetings and Introductions

▪ Handling Customer Concerns

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 /NM $75

Written Communication Suite

Explores keys to crafting effective written communications, helpful for delivering good customer service and for building workplace relationships. Completing this suite provides tips for writing clearly for different audiences. Courses ▪ Clarity in Writing ▪ Effective Email Communication

▪ Writing for Your Audience

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 /NM $75

ONLINE SELF-PACED | MANAGEMENT & EARLY LEADERSHIP SKILLS Employment Law

Reviews the legislation that protects employees from discriminatory and unfair practices and teaches management’s legal responsibilities and requirements when situations arise. Audience Any manager with one or more reporting relationships. M $95 / NM $130 Provides the main elements of productivity, and the guidelines on how to evaluate and improve productivity in the workplace. This course explains how to consistently and systematically apply a six-step process to resolving productivity problems in the work environment. It begins the process by carefully investigating what events, processes, or procedures lead to the problem; explains how to look for opportunities to improve the end result; focuses on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels. Audience Employees that lead a work team on a full or part-time basis M $95 / NM $130

Leadership in Action Suite

Explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively handling change to creating a team-supported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in day-to-day practices and developing those skills in others. ▪ Empowerment ▪ Managing Change

Audience First-time managers who are prepared to learn leadership skills or experienced managers and supervisors who want a refresher on leadership skills. M $195 / NM $275

Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity. Audience Managers, supervisors, and employees in leadership M $95 / NM $130

Management Essentials Suite

This suite explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings. Courses ▪ Coaching ▪ Corrective Action ▪ Effective Meetings

▪ Employee Recognition ▪ Interviewing ▪ Managing Performance

Audience First-time managers who need an introduction to essential skills, or experienced managers and supervisors who want a refresher on management skills. M $275 / NM $375

Sexual and Workplace Harassment for Managers

Provides tools to help create a safe environment for employees. Explores the consequences of ignoring reports of inappropriate or unwelcome behavior that may be considered sexual harassment and workplace harassment, such as bullying, and includes tips on how to handle reports of sexual harassment. Audience All employees with supervisory responsibilities M $95 / NM $130

ONLINE SELF-PACED WORKPLACE ESSENTIALS Dealing Effectively with Co-Workers

Improving Productivity

Courses ▪ Authentic Leadership ▪ Building Collaborative Teams ▪ Communicating Vision

Leveraging the Benefits of a Diverse Workforce

Focuses on the behaviors of and interactions between co-workers and teaches methods to improve working relationships with difficult coworkers. This course introduces the characteristics of the four behavioral (base preference) groups and explains how they affect communication between co-workers. It describes how to create some common ground with difficult co-workers or clients. Audience Bank personnel at all levels. M $95 / NM $130

Essentials of Workplace Conduct

Explores the four principles that guide appropriate actions to take in unfamiliar situations. Explains how appearance can have a great impact on how others perceive you, and addresses etiquette factors in the work environment and in offsite work situations. M $95 / NM $130

Event Networking

Focuses on enhancing networking interactions in professional group settings and on a systematic approach to group events. Explores how to be familiar with the host and attendees of the event and its purpose in order to prepare questions, anticipate conversations, discuss commonalities, and ultimately establish relationships to grow your business. Audience Bankers who attend, participate in, or host community-based group events. M $95 / NM $130

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Managing Time at Work

Explains how to create daily plans that focus on business priorities by using techniques to manage the work area, interruptions, telephone calls, and other daily activities that take valuable time away from the workday to be more productive. Audience Bank personnel who are not currently using an organized method to plan and manage their time or who want a refresher. This includes any bank employees who are responsible for completing varied tasks in a typical day. M $95 / NM $130

Sexual and Workplace Harassment

Identifies conduct that could be considered unwelcome or inappropriate. Explains quid pro quo and hostile environment. Provides steps to follow for victims of sexual harassment and focuses on how actions may be perceived by others. Audience All employees. M $95 / NM $130

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Virtual Learning Bringing Knowledge to You

ANNUAL SEXUAL HARASSMENT {PREVENTION} TRAINING All Illinois employers are required to conduct annual sexual harassment prevention training. At a minimum, this must include: • an explanation and examples of what constitutes unlawful sexual harassment • a summary of relevant federal and state provisions and remedies available to victims • a summary of employers’ responsibilities in preventing, investigating and taking corrective measures in regard to sexual harassment Illinois Bankers is providing multiple virtual options to meet the needs of all Illinois employers. Each session not only meets but exceeds Illinois’ annual training requirements.

WHY CHOOSE OUR TRAINING •

TRAINING OPTIONS

Our comprehensive training courses offer separate and distinct sessions for employees and supervisors,

PRE-RECORDED TRAININGS $549 Employee AND supervisor recordings (two programs)

with each covering the prevention of discrimination, harassment, retaliation and bullying in the workplace under Illinois and federal laws. The full program covers all aspects of a true comprehensive training on these

Programs are about 1.5 hours each. Recordings are password-protected and available via any internet streaming platform through December 31, when links will be removed from the cloud.

important topics for employers of all types, in all industries. •

Following the U.S. Supreme Court’s recent ruling that all employers are prohibited from discriminating against employees based on the employee’s sexual orientation and/or gender identity, our training covers this important change as well.

LIVE VIRTUAL TRAININGS $1,999 Live virtual training via Zoom customized for your workplace, including a live Q&A opportunity Live programs will run about 1.5 to 2 hours. Recordings can be provided afterward as well, available via any internet streaming platform until December 31, when the link will be removed from the cloud.

Failure to provide training each year is a violation of the Illinois Human Rights Act. Illinois employers who do not provide compliant training will be subject to civil penalties, including a $500 penalty to any business with fewer than 4 employees, or $1,000 to those with 4 or more employees. Penalties for subsequent violations

Because employers must maintain documentation for each employee establishing compliance with the training requirement, a certificate of attendance/completion will be made available for each employee, and a copy of the PowerPoint also will be made available to download.

can rise to $5,000 each.

Presented by ATTORNEY SCOTT CRUZ, an experienced labor and employment attorney with Greensfelder, Hemker & Gale, P.C.

RESERVE YOUR TRAINING E

ilbanker.com 217-789-9340 registrar@ilbanker.com


Updated March 19, 2021

Management & Leadership Conferences

Director Programs

Women in Banking Conference

Directors Education Series

October 28-29, 2021 - Crowne Plaza Springfield Network with your peers, compare notes with those who have similar challenges and successes, and learn from top-rated speakers on management, leadership, industry issues and personal development. The conference focuses on helping your bank stand out and succeed during these tough economic times.

Midwest Bank Leaders Conference November 4, 2021 - Gleacher Center, Chicago

This event features industry experts, banking leaders, and regulators addressing issues critical to the banking industry. Chief executive officers, presidents, senior managers and directors will benefit from the educational programming and peer-to-peer networking.

Forum Small Bank CEO Forum

Synopsis A series of 30–minute training modules geared to the bank director have been developed in consultation with a highly respected group of banking industry experts. Your subscription to this series will assist you with the responsibility you have to educate those who serve on your board. Partial lists of topics that will be covered include: Strategic Planning Minimizing Board Liability Regulatory Environment Board/Committee Composition • Compliance Management • BSA/AML Training • Insiders & Reg O • • • •

• Exam Preparation Board Legal Duties • Board Meetings and Minutes • Understanding Bank Capital • Enterprise Risk Management • Credit Risk Management • Asset Liability Management

An annual subscription will provide you with a recorded 20–30 minute web–based training module each month. You will also be supported with discussion topics and handouts. Since the programs are recorded, you have the flexibility to show these programs at your board meeting or make the link available to your directors prior to the meeting.

May 13, August 12, November 18

12-Month Subscription Fee $1,395 M/$1,895 NM Register / View Demo

This forum provides chief executive officers with the means to constructively examine pressing issues, exchange ideas and share solutions among colleagues in a comfortable and professional environment.

Bank Director Training

Much is expected today of bank boards, which provide both strategic direction and oversight of critical functions. This suite of ten videos presents need-to-know fundamentals about topics like oversight of compliance management and controls; both pre- and post-exam activities; compliance with BSA/AML/OFAC, Reg O and fair lending regulations; and digital trends in cybersecurity, blockchain and payments. Courses ▪ Board Oversight: Compliance Management ▪ Board Oversight: Compliance Control Activities ▪ Board Oversight: Preparing for the Compliance Exam ▪ Board Oversight: Post Compliance Exam Activities ▪ Board Oversight: BSA/AML/OFAC ▪ Board Oversight: Insiders and Regulation O ▪ Board Oversight: Fair Lending ▪ Digital Trends: Cybersecurity ▪ Digital Trends: Blockchain ▪ Digital Trends: Payments Audience For members of a bank's board of directors. $695

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ABA Training Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

ONLINE SELF-PACED | MANAGEMENT & EARLY LEADERSHIP SKILLS Management Essentials Suite

Employment Law

This suite explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings.

Audience Any manager with one or more reporting relationships.

Courses ▪ Coaching ▪ Corrective Action ▪ Effective Meetings

ONLINE SELF-PACED Reviews the legislation that protects employees from discriminatory and unfair practices and teaches management’s legal responsibilities and requirements when situations arise. M $95 / NM $130

Improving Productivity

Provides the main elements of productivity, and the guidelines on how to evaluate and improve productivity in the workplace. This course explains how to consistently and systematically apply a six-step process to resolving productivity problems in the work environment. It begins the process by carefully investigating what events, processes, or procedures lead to the problem. This course explains how to look for opportunities to improve the end result. It focuses on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels. Audience Any employee that leads a work team on a full or part-time basis. M $95 / NM $130

▪ Employee Recognition ▪ Interviewing ▪ Managing Performance

Audience First-time managers who need an introduction to essential skills, or experienced managers and supervisors who want a refresher on management skills. M $275 / NM $375

Sexual and Workplace Harassment for Managers

Provides tools to help create a safe environment for employees. Explores the consequences of ignoring reports of inappropriate or unwelcome behavior that may be considered sexual harassment and workplace harassment, such as bullying, and includes tips on how to handle reports of sexual harassment. Audience All employees with supervisory responsibilities M $95 / NM $130

CERTIFICATES

Leadership in Action Suite

This suite explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively handling change to creating a team-supported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in day-to-day practices and developing those skills in others. Concise, impactful lessons can be applied on the job immediately.

Certificate in Bank Financial Management

Courses ▪ Authentic Leadership ▪ Building Collaborative Teams ▪ Communicating Vision

Required Courses No substitutions or previous college credit will be accepted. The courses can be purchased individually or as a full certificate.

▪ Empowerment ▪ Managing Change

Audience First-time managers who are prepared to learn leadership skills or experienced managers and supervisors who want a refresher on leadership skills. M $195 / NM $275

Leveraging the Benefits of a Diverse Workforce

Develop foundational skills for making key decisions that affect bank profitability. Learn how to conduct performance analyses. Discover ways to measure and manage interest rate risk. Explore best practices in managing funding, liquidity and capital. Demonstrate understanding by applying concepts in organization-specific exercises.

Facilitated Online: Five to eight weeks each in duration, and you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week. ▪ Analyzing Bank Performance ▪ Managing the Bank's Investment Portfolio ▪ Managing Funding, Liquidity, and Capital ▪ Managing Interest Rate Risk

Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity.

Self-Paced Online: Learn at your own pace. This course is approx. 25 minutes in length. ▪ Ethical Issues for Bankers

Audience For managers, supervisors, and all employees in leadership positions.

M $2,165 / NM $2,895

Recommended Prerequisites Students should understand accounting and financial markets, as well as experience in the use of electronic spreadsheets.

M $95 / NM $130

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Join the Conversation

THE FORUMS 2021 The forums provide a means to constructively examine pressing issues, exchange ideas, and share solutions among colleagues in a comfortable and professional environment. If this isn’t the right fit for you, pass it along to your team members. For your convenience, the forums are offered in-person and/or online (subject to change). Session fees can be prorated. CFO

Compliance

Human Resources

n CHIEF FINANCIAL OFFICER (CFO)

As a CFO, you may be searching for practical ways to manage your responsibilities in an increasingly complex environment. The agenda for each session features a wide range of topics identified directly by participants, with periodic special presentations by industry experts. CENTRAL ILLINOIS GROUP MEETING DATE(S) May 7, August 6, December 3 NORTHERN ILLINOIS GROUP MEETING DATE(S) May 21, August 21, December 3 FEE: Members Only $599 (3 Sessions)

n COMPLIANCE

Marketing

Senior Retail Banking

Tech & Ops

n SENIOR RETAIL BANKING

Provides a platform for retail banking officers to exchange ideas freely, examine pressing issues, discuss current initiatives and trends with peers in this ever-changing regulatory, cost-conscious and productivity-drive environment. This virtual forum is designed for senior retail officers, retail managers, coordinators responsible for multiple branches/offices, and those who lead the retail banking sales and services efforts.

MEETING DATE(S) February 25, June 28, September 27 FEE: Members $599 / Nonmembers $1,169 (3 Sessions)

n SMALL BANK CEO

Complying with rapidly evolving regulations requires perseverance plus significant commitments of time and resources. The landscape that has emerged will continue to present challenges for years to come.

Gain knowledge, tools and a valuable network through this intimate forum. The agenda for each session features a wide range of topics identified directly by participants, with periodic special presentations by industry experts.

MEETING DATE(S) July 23 FEE: Members $249 / Nonmembers $419 (1 Session)

BLOOMINGTON MEETING DATE(S) May 13, August 12, November 18 FEE: Members $499 / Nonmembers $699 (3 Sessions)

n HUMAN RESOURCES

As unique situations arise in the HR world, it is invaluable to have a network of peers to go to for guidance. Expect a lively, open discussion about critical employment issues facilitated by HR professionals serving the banking community. Participants will also receive real-world input from highly qualified experts in the world of human resources. MEETING DATE(S) May 13, October 13 FEE: Members $249 / Nonmembers $419 (2 Sessions)

n MARKETING

n TECH & OPS

IT and operations officers are constantly challenged by the need to ensure they have up-to-date resources to stay on top of the everevolving regulatory, risk management, cost conscious and productivitydriven banking environment. MEETING DATE(S) April 23, August 13, November 19 FEE: Members Only $599 (3 Sessions) Forums facilitated by

As the person responsible for Marketing for your bank, you may be searching for practical ways to improve your effectiveness. You have the opportunity to discuss industry trends and challenges as well as review a wide-range of developments that affect bank marketing strategies, tactics and results. The agenda for each session features a wide range of topics identified directly by participants, with periodic special presentations by industry experts. MEETING DATE(S) May 14, November 17 FEE: Members Only $399 (2 Sessions)

JOIN THE CONVERSATION?

registrar@ilbanker.com | 217-789-9340 | ilbanker.com


Updated March 19, 2021

Marketing & Sales Conference

ABA Training Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

ONLINE INSTRUCTOR-LED Marketing in Banking

This four-week long, entry-level course builds a strong foundation for grasping bank marketing functions. Dive into the core responsibilities of bank marketing, examine how marketing may be structured, know the regulations affecting bank marketing activities, and discover how to assess financial performance. The 2021 Marketing Conference is coming up on March 25-26, and we have booked nationally known marketing expert Debra Jasper to give attendees the inside track on How to Compete in Today's Virtual World with a special session on Save Time, Get Faster Responses by Writing for Action.

Audience For new bank staff with marketing responsibility, employees interested in discovering the role of marketing within a financial institution, and marketing professionals new to the banking industry.

"The challenge for bank marketers today is creating impact in this new world of social distance," says Jasper. "You really have to fight for attention like never before, and at this year's conference I will give you the tools to do just that. In 2021 and beyond, attention will be everything!"

Marketing Management

View Conference Agenda

Forum Bank Marketing Forum May 14, November 17

Provides a platform and opportunity for Marketing staff to exchange ideas freely, dissect problems and discuss vital issues with peers. You will have the opportunity to discuss industry trends and challenges as well as review a wide-range of developments that affect bank marketing strategies, tactics and results.

M $300 / NM$375

Start Date – 6/01/21

Establish a working knowledge of marketing management. Examine best practices for managing public relations and digital marketing campaigns, as well as ongoing brand management. Learn how to prioritize projects, assess performance, and balance resources. Explore ways to deliver strong return on investment (ROI). Audience For new bank staff with a marketing responsibility, for employees interested in taking an active role in the management of bank marketing and for marketing professionals new to the banking industry. M $300 / NM$375

Start Dates –10/25/21

Marketing Planning

This course develops skills for preparing a comprehensive strategic marketing plan that follows best practices. Learn how to assess customers and trade area opportunities. Discover ways to integrate this information into a situational analysis - then create an action plan and develop a budget. Audience For new bank staff with marketing responsibility, employees interested in taking an active role in the management of bank marketing, and marketing professionals new to the banking industry. M $300 / NM$375

Start Dates – 8/16/21

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ONLINE SELF-PACED

CERTIFICATE

Bank Marketing: Building Customer Relationships

Foundational Certificate in Bank Marketing

Guides you through attracting customers and building strong relationships through marketing. Explore current methodologies. Craft a market-driven strategy for product development. Audience Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources. M $55 /NM $75

Marketing in a Digital World

This course shows you how to break through the noise and reach your target audiences. You'll learn to leverage Facebook, LinkedIn, and Twitter to expand your reach and build your bank's brand. You'll explore the latest strategies for crafting digital campaigns, including optimizing for search and which paid options can best engage your target audiences. Examples of successful campaigns by other financial institutions make it easy to put your ideas into action. Courses ▪ Social Campaigns o The Power of Facebook o Leveraging LinkedIn o Strategic Twitter

▪ Digital Campaigns o Search Engine Optimization o Build Your Campaign o Find Your Audience

Audience Bank marketing professionals looking to enhance their skills in social media channels, those new to the banking industry, or for staff with a marketing responsibility at a bank with limited marketing resources.

Develop the key skills essential to successful bank marketing. Discover best practices for developing a comprehensive strategic marketing plan, including setting objectives, implementing action plans, creating a budget, and evaluating ROI. Explore tactics to assess customers, markets, and opportunities. Learn how to better leverage social media to expand your reach and build your bank's brand. Gain insight into managing marketing activities from brand management to PR to digital marketing and learn the key regulatory guidelines for bank marketing. Required Courses Facilitated Online: Four weeks each in duration, you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week. ▪ Marketing in Banking ▪ Marketing Planning ▪ Marketing Management Self-Paced Online: Learn at your minutes in length. ▪ Marketing in a Digital World ▪ ▪ Search Engine Optimization ▪ ▪ Build Your Campaign ▪ ▪ Find Your Audience ▪

own pace. Each course is 15-75 The Power of Facebook Leveraging LinkedIn Strategic Twitter Recognizing and Preventing UDAAP

The estimated time to complete the required courses is approximately 21 hours. You may select your start dates for each of the three required Facilitated Online courses after you have completed your Certificate purchase. Students have access to the curriculum for 1 year from date of purchase.

M $1,095 / NM $1,595

M $529 / NM $829

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Operations and Technology Forum

ABA Training

Technology and Operations Forum

Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

.

IBA Members Only

April 23, August 13, November 19 A valuable peer-to-peer networking forum for IT and operations officers to freely exchange ideas and examine pressing issues in today’s everevolving regulatory, cost-conscious and productivity-driven environment. Participants meet three times a year, typically in the spring, summer and fall, in Bloomington.

Seminars .

Call Report Preparation

Virtual | March 24 and 25, 2021, 9:00 a.m. to 12:00 p.m.

ONLINE SELF-PACED Payments System Training Suite

Technology has transformed your bank's business and how you connect with customers. Covers demographics to CX, technology infrastructure, data analytics, plus how all of this plays a crucial role in developing an effective payments strategy. Audience Branch and administrative staff familiar with the basics of banking and payment systems but need to develop a more strategic view of the payments business. M $495 / NM $645

This seminar focuses on equipping community banks with the fundamental knowledge necessary for completing an accurate and efficient Call Report. The presentation will guide call report preparers through the complicated instructions and provide clarity to common reporting challenges. Participants will gain a deeper understanding of how the balance sheet schedules support and affect risk-weighted assets and regulatory capital calculations. Insights into current and upcoming revisions, including the community bank leverage ratio (CBLR), how to get the most out of technology tools available, strategies for sharing preparation responsibilities training a knowledgeable backup, and reporting challenges arising from changing regulatory rules. Fee Per Person (Includes OnDemand Access through May 25, 2021) M $249 / NM $419

Performing Your ACH Audit

September 15 | Center for Banking Excellence, Springfield September 16 | Lewis University, Oak Brook If your bank utilizes the ACH network, you are aware that the NACHA Operating Rules & Guidelines requires that all participating depository financial institutions, as well as all third-party entities that provide ACH services conduct an annual audit to be performed by December 31. This seminar arms you with “inside” information on how to best comply with NACHA audit requirements. Appendix 8 of the NACHA Operating Rules will be reviewed step-by-step to ensure complete understanding of each requirement. Fee Per Person M $249 / NM $419

ACH Exception Handling

October 5 | Center for Banking Excellence, Springfield October 6 | Lewis University, Oak Brook Are you or your staff effectively processing ACH exceptions? Is your financial institution at risk of incurring losses due to improper procedures? Register for this seminar and learn how to handle the challenges of unposted items, stop payments and unauthorized entries. Real-life scenarios and case studies will also be discussed. Audience ACH Operations personnel, branch personnel, AAP Candidates, and Compliance Officers Fee Per Person M $249 / NM $419

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Retail Banking Forum Senior Retail Forum Gather with Your Peers Virtually February 25, June 28, September 27 from 9:00 a.m. to 2:00 p.m. This forum provides a platform for retail banking officers to exchange ideas freely, examine pressing issues, discuss current initiatives and trends with peers in this ever-changing regulatory, cost-conscious and productivity-drive environment. Fee Per Person (includes all sessions) M $599 / NM $1,169

Series Branch Leadership Series

Virtual | February 23, May 11, September 28, October 27 More than ever before, today's retail banking leadership team is faced with a multitude of challenges and opportunities. Successful banks have branch leadership who are focused on motivating and engaging the team, building and increasing loyal customer relationships, mitigating risks through compliance and regulatory adherence, and accomplishing retail banking goals. In essence, the Branch Manager is the business manager. On-going education, training, and networking are essential in developing successful retail banking leadership in today's everchanging environment. Fee Per Person M $899 / NM $1499

Seminars New Accounts in Illinois Hybrid | April 22, 2021

The primary focus of this seminar will be on the lifecycle of the account including applicable Illinois and Federal requirements and regulations, including any applicable updates to those regulations. This program will be interactive, encourage attendee participation, and provide training tools to enhance the performance of your daily responsibilities. Fee Per Person (Includes OnDemand Access through June 22, 2021) M $249 / NM $419

IRA Essentials

Virtual | May 19, 2021 This seminar, brought to you by Ascensus, provides attendees a solid foundation of IRA knowledge. Exercises are included throughout the day to provide practical application to job-related situations. Attendees will leave this session able to work with IRA owners and process basic IRA transactions with confidence. This is a beginner’s session; no previous IRA knowledge is assumed. Audience Individuals who need to learn the basics of Traditional and Roth IRAs or who want an updated, general refresher on IRA rules. Fee Per Person (Includes Limited OnDemand Access) $249 M / $419 NM

Advanced IRAs

Virtual | May 20, 2021 This seminar, brought to you by Ascensus, builds on the attendee’s knowledge of IRA basics to address some of the more complex IRA issues their financial organizations may encounter. This is an advanced session; previous IRA knowledge is assumed. The instructor uses realworld exercises to help provide practical application to job-related situations. Audience ▪ IRA administrators, personal bankers, or member services personnel who have a working knowledge of basic IRA operations and wishes to expand their expertise and provide enhanced customer service. ▪ Financial professionals who recognize that IRAs play an integral role in retirement planning. ▪ Compliance specialists with procedural oversight of IRA policies and practices; or ▪ Support personnel responsible for promotional materials that describe the services provided by their financial organization. Fee Per Person (Includes Limited OnDemand Access) $249 M / $419 NM

Consumer Lending - Beyond the Basics

Virtual | September 29 - October 1, 9:00 a.m. to 4:00 p.m. This enhanced “Boots On The Ground” session will take you beyond basic training. Today’s lending function must be “more than just the deal” instead focusing on gaining fully-banked customers. This intermediate training is a 2.5-day, intensive, “real world” program focusing on the tools, skills, strategies and processes needed for today’s consumer lending team, filled with case studies, pre-and post-testing, and skills practices. Fees Per Person M $699 / NM $1,169

Webinar Elder Financial Abuse & Synthetic Identity Fraud May 12, 2021 10:00 AM - 11:00 AM

This webinar, presented by Thomson Reuters, will provide thought leadership on Synthetic ID Fraud and Elder Financial Abuse. Understanding the risk flags associated with elder fraud and synthetic identity theft enables financial institution to stay proactive in identifying front end risk. Topics ▪ Identifying key attributes and characteristics of those committing elder financial fraud ▪ Understanding today’s most nefarious and pervasive fraud scams targeting elderly populations across the country ▪ Learn how technology plays a role in identifying Synthetic Identity Fraud and ways to mitigate risk for financial institutions Audience Personal bankers, customer service representatives, financial service representatives, tellers, branch managers Fee Per Person (OnDemand Access through July 12, 2021) M $99 / NM $199

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ABA Training Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

ONLINE INSTRUCTOR-LED Banking Fundamentals

Includes three 4-week courses that combine the principles of the banking industry with real-world application. Ideal for emerging bankers, or bankers seeking to gain an understanding of the changing world of financial services. It is an online, paperless, series of courses the combines peer collaboration with instructor guidance. Included Courses ▪ The Banking Industry Start Dates: 4/05/21, 7/06/21, 9/07/21 ▪ Bank Lines of Business Start Dates: 6/07/21, 10/11/21 ▪ Building Customer Relationships Start Dates: 5/03/21, 6/14/21, 8/02/21, 11/29/21 What You'll Learn ▪ The role of banks in the U.S. economy ▪ Meeting the changing needs of customers ▪ Bank products and services, including electronic banking ▪ Building customer relationships ▪ Major banking laws and regulations Audience Anyone who needs an introduction to banking, whether just starting a career or a more experienced professional from a different industry. M $595 / NM $795 Full Suite M $215 / NM $285 per Course

General Accounting

Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries. Audience Bank personnel at any level with little or no accounting background M $600 / NM $725 NM

Start Dates – 7/19/21, 11/08/21

Money and Banking

A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a world-wide basis are covered. Audience Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry, officer trainees through the mid-management level. M $510 / NM $656

Start Dates – 6/28/21, 11/01/21

ONLINE SELF-PACED | ONBOARDING Banking Basics Suite

This suite is a comprehensive introduction to the banking industry. Ideal for those new to banking, completing this suite provides a deeper understanding of the changing world of financial services and the vital role that banks play in the economy. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Bank Marketing: Building Customer Relationships ▪ Bank Payment Systems and Technology ▪ Bank Sales and Service: Expanding Customer Relationships ▪ Banks as a Business ▪ Banks and the Deposit Function ▪ Banks and the Economy ▪ Banks and Personal Wealth Management ▪ Business and International Banking Services ▪ Introduction to Banking ▪ Lending as a Cornerstone of Banking ▪ Safeguarding Bank Assets and the Nation ▪ Safeguarding the Customer and the Bank Audience Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources. M $595 / NM $795 Full Suite Courses also available individually.

Basic Bank Training for Veterans

America’s banks actively support our military and veteran communities. To help further their mission, ABA’s new, free Basic Bank Training for Veterans gives ABA member banks the tools they need to onboard and recruit veterans, transitioning active duty military members, and military spouses. This suite covers the basics of customer service, lending, payments and ethics to help them successfully transition to a career in the banking industry. Courses ▪ Introduction to Banking ▪ Banks as a Business ▪ Banks and the Deposit Function ▪ Lending as a Cornerstone of Banking ▪ Bank Payment Systems and Technology ▪ Safeguarding the Customer and the Bank ▪ Ethical Issues for Bankers ▪ Why Quality Customer Service Matters Audience Banks providing training to veterans, transitioning active duty military members, and military spouses. If you are a veteran, transitioning active duty military member, or military spouse not employed by a bank you can also access this free training.

Ethical Issues for Bankers

This cornerstone course is an in-depth exploration of the ethical standards expected of financial service professionals. Master best practices for observing a bank's code of conduct and adhering to federal laws. Develop a sound ethical framework to handle commonly experienced ethical dilemmas. Learn how to make ethically appropriate decisions. Audience Bank personnel at all levels. M $55 / NM $75

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ONLINE SELF-PACED | ONBOARDING Teller Basics Suite

This suite teaches critical customer service and technical skills, from handling checks and cash to processing deposits and withdrawals, and more. Courses ▪ Cash Handling ▪ Handling Checks ▪ Processing Transactions

▪ Providing Quality Customer Service ▪ Robbery and Bank Security ▪ The Changing Role of the Teller

Audience Newly hired tellers

Explains how to identify unrecognized client needs and describes the differences between product features and benefits of common consumer deposit products. This course identifies the categories of small business needs and describes cash management, retirement, and international banking services. It identifies the categories of business expenses that require financing and that are appropriate to finance via working capital loans. This course also describes business credit products used to finance durable equipment and real estate. This course explains estate planning and settlement services offered by banks. It identifies the most common types of trust funds and services offered by banks. Audience Branch client-contact personnel with at least six months experience. Those who would benefit most include new tellers, new accounts representatives, personal bankers, platform assistants, and branch manager trainees. M $95 / NM $130

ONLINE SELF-PACED | COMMUNICATION Communication Basics Suite

This suite explores the primary elements of effective communications, key in delivering good customer service. Provides tips for becoming an active listener, developing effective questioning, and understanding body language. ▪ Communicating Effectively

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 / NM $75

Online Communication Suite

This suite explores creating appropriate social media posts in a business environment. Completing this suite provides tips on social media etiquette. ▪ Social Media Etiquette

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 / NM $75

Courses ▪ Crafting Your Message ▪ Delivering Your Message

▪ Getting Started ▪ Presenting Virtually

Audience Any bank employee who makes stand-up and virtual presentations for internal and external bank and client meetings and community groups.

Verbal Communication Suite

Understanding Bank Products

Courses Effective Social Media Communication

This suite explores delivering effective presentations in-person and virtually. Get tips and tactics for developing strong openings and closings, maintaining an audience's attention, and exuding confidence.

M $95 / NM $130

M $150 / NM $200

Courses ▪ Becoming a Better Listener ▪ The Importance of Body Language

Presentation Skills Suite

This suite explores tactics for creating memorable customer interactions, from initial greeting to conclusion, whether in-person or over the phone. Completing this suite provides best practices to create positive customer service experiences. Courses ▪ Effective Conversation ▪ Greetings and Introductions

▪ Handling Customer Concerns

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 / NM $75

Written Communication Suite

This suite explores keys to crafting effective written communications, helpful for delivering good customer service and for building workplace relationships. Completing this suite provides tips for writing clearly for different audiences. Courses ▪ Clarity in Writing ▪ Effective Email Communication

▪ Writing for Your Audience

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 / NM $75

ONLINE SELF-PACED | CONSULTIVE AND RELATIONSHIP SELLING SKILLS Coaching to Support the Sales Process Suite

This suite explores best practices for providing successful sales coaching. Completing this suite provides techniques for building your sales team's skills at every step in the Relationship Sales Process and supporting them in order to achieve sales goals and meet organizational objectives. Courses ▪ Preparing to Coach ▪ Managing Sales Performance

▪ Providing Ongoing Support

Audience Managers, Supervisors, Team Leads of branch and administrative office sales staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $55 / NM $75

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ONLINE SELF-PACED | CONSULTIVE AND RELATIONSHIP SELLING SKILLS

ONLINE SELF-PACED CONSUMER BANKING ESSENTIALS

Essential Selling Skills Bundle

Consumer Credit Products

Courses ▪ Effective Referrals Suite (2 courses, 1 exercise + 1 toolkit) ▪ Making the Client Call Suite (3 courses, 1 exercise + 1 toolkit) ▪ Overcoming Objections Suite (3 courses, 1 exercise + 1 toolkit) ▪ Relationship Sales Suite (2 courses, 1 exercise + 1 toolkit) ▪ Sales Planning Suite (3 courses, 1 exercise + 1 toolkit)

Audience Branch personnel responsible for discussing or selling consumer credit products

Completing this bundle provides best practices for each step in the sales process and building solid client relationships. Explore tactics to focus sales efforts, including the Sales Portfolio Process. See how to effectively plan calls, track contacts, anticipate potential objections, and make sales.

Audience Branch and administrative office sales staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $195 / NM $275

Selling in a Social World

You need more effective and efficient strategies to extend your reach, find new prospects, stay top of mind and drive new business. These expert-led, engaging online courses provide practical tips and tactics to take advantage of the many tools offered by LinkedIn, the largest professional social channel. ▪ Selling in a Social World: Extend Your Reach ▪ Selling in a Social World: Engage Your Audience Audience Financial services salespeople and leaders including mortgage originators, business and commercial bankers, and bank management. M $129 / NM $179

Tele-Consulting Curriculum

Part 1 - Planning the Call Provides a planning strategy for professional bankers to prepare to make calls to clients. Focuses on client profiles that are specific to each client or order to evaluate sales potentials. Part 2 - Making the Call Provides a strategy for professional bankers to make calls to clients in the most professional manner possible. It focuses on the unique challenges of telephone sales and the three-step approach to overcome clients’ objections when presenting product features and benefits. Explores appropriate ways to close the sale using the assumptive close, and six tips for using a system to follow up with clients. Audience Those familiar with the basic sales cycle and need to plan outbound telephone service and sales contacts with an assigned customer portfolio. M $95 / NM $130

Provides definitions of consumer credit terms to assist in discussions with clients and explains the growth and demand of non-real estate related products. Explores real estate-related terms for home equity loans, home equity lines of credit, loan to value ratios, and how to calculate the maximum loan amounts.

M $95 / NM $130

Fundamentals of Consumer Lending Suite

This suite explores the consumer lending process from terminology to the application process to customer communications. Completing this suite provides best practices for ensuring regulatory compliance and determining credit worthiness. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Consumer Credit Basics

▪ Consumer Loan Process

Audience Bank personnel with little or no experience in consumer lending. M $95 / NM $130

Handling Mortgage Inquiries and Making Referrals

Describes the primary regulatory compliance Acts that affect mortgage inquiry, counseling, and application phases. Reviews the features and benefits of the most popular mortgage programs, important elements of different purchase and refinance transactions, and techniques and sample responses to customers for your mortgage referral to the MLO. Audience Bank employees who are authorized to discuss mortgage loans with customers who do not have special mortgage licensing credentials (retail branch, loan servicing, or call center employees and employees who are involved in mortgage origination, such as originators, processors, underwriters, closers, etc.) M $95 / NM $130

Introduction to IRAs

Explores key concepts on basic IRA product features and benefits, contribution and distribution requirements. Explains traditional, rollover, and Roth IRAs, including the new conversion rules, as well as Simplified Employee Pension Plans and SIMPLE Retirement Accounts. Presents information about IRA tax benefits and penalty calculations. Audience Bank personnel who require a basic understanding of IRAs including experienced tellers and new accounts representatives, personal bankers, platform assistants, branch managers, trust administrators, and private bankers. M $95 / NM $130

Personal Tax Return Analysis

Explains how to analyze tax returns to determine a projected income and explores income trends, recurring versus non-recurring income, and how tax returns can be used as a sales tool. Audience Bank personnel who are in a position to use personal tax returns from clients for lending analysis. M $95 / NM $130

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ONLINE SELF-PACED CONSUMER BANKING ESSENTIALS Referring Insurance and Annuity Clients

Covers the effective referral model and explains how to refer clients who might benefit from various insurance and annuity products to a licensed representative, and your responsibilities as an unlicensed employee. Introduces the features and benefits of insurance and annuity products, including disability insurance, healthcare insurance, property and casualty insurance, and liability insurance. Audience Bank personnel who have the opportunity to refer customers to designated, licensed insurance sellers in a bank. M $95 / NM $130

Referring Investment Clients

Provides an overview of securities products commonly offered by banks and explains how to detect clues to identify the clients' recognized and unrecognized financial needs. Explores the effective referral model to help clients see the value in referral suggestions and in meeting with an investment specialist. Audience Bank personnel who manage client relationships and/or who can identify referral opportunities to licensed specialists. M $95 / NM $130

Referring Trust Clients

This course examines the elements of a trust and the primary reasons why clients want or need a trust. This course describes the benefits of trust accounts to identify needs and refer clients to a qualified trust expert by using the effective referral model. Audience Bank personnel who manage client relationships and/or who can identify referral opportunities to trust specialists. M $95 / NM $130

Why Quality Customer Service Matters Suite

This suite delves into the skills critical to making clients feel valued. Completing this suite provides insight into improving customer service skills, especially during stressful situations, to help build client relationships. Concise, impactful lessons can be applied on the job immediately. Courses ▪ The Importance of Customer Service ▪ Customer Service Basics ▪ The Importance of Communication

▪ Handling Stress ▪ Handling Upset Clients

Audience Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers. M $95 / NM $130

ONLINE SELF-PACED | MANAGEMENT & EARLY LEADERSHIP SKILLS Employment Law

Reviews the legislation that protects employees from discriminatory and unfair practices and teaches management’s legal responsibilities and requirements when situations arise. Audience Any manager with one or more reporting relationships. M $95 / NM $130

Improving Productivity

Provides the main elements of productivity, and the guidelines on how to evaluate and improve productivity in the workplace. This course explains how to apply a six-step process consistently and systematically to resolving productivity problems in the work environment. Explains how to look for opportunities to improve the end result. It focuses on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels. Audience Any employee that leads a work team. M $95 / NM $130

Leadership in Action Suite

Explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively handling change to creating a team-supported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in day-to-day practices and developing those skills in others. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Authentic Leadership ▪ Building Collaborative Teams ▪ Communicating Vision

▪ Empowerment ▪ Managing Change

Audience First-time managers prepared to learn leadership skills or experienced managers and supervisors who want a refresher on leadership skills. M $195 / NM $275

Leveraging the Benefits of a Diverse Workforce

Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity. Audience For managers, supervisors, and all employees in leadership positions. M $95 / NM $130

Management Essentials Suite

This suite explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings. Courses ▪ Coaching ▪ Corrective Action ▪ Effective Meetings

▪ Employee Recognition ▪ Interviewing ▪ Managing Performance

Audience First-time managers needing an introduction to essential skills, or experienced managers and supervisors who want a refresher on management skills. M $275 / NM $375

Sexual and Workplace Harassment for Managers

Provides tools to help create a safe environment for employees. Explores the consequences of ignoring reports of inappropriate or unwelcome behavior that may be considered sexual harassment and workplace harassment, such as bullying, and includes tips on how to handle reports of sexual harassment. Audience All employees with supervisory responsibilities M $95 / NM $130

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ONLINE SELF-PACED SMALL BUSINESS BANKING ESSENTIALS

Relationship Selling to Small Business Customers

Calling on Small Business Customers

Describes six steps of the Relationship Sales Cycle. Explains effective verbal and nonverbal communication, and open-end and closed-end questions to listen to the business customer’s needs. Explores parts of transition and benefit statements, a process to handle business customer objections, and methods to recognize buying signals to close the sale.

Audience Bank personnel responsible for face-to-face small business customer calls.

Audience Bank personnel who are new to the small business market and who are responsible for selling bank products and services to small business customers. It is suggested that participants take the Fundamentals of Small Business Banking Suite before taking this course.

Provides guidelines on how to plan effective calls with small business clients. Explores the steps in the Call Planning Model and focuses on gathering resources and identifying goals for the call, and the steps to strategize the actions to take during the call.

M $95 / NM $130

Credit Products for Small Businesses

Describes the differences between credit product features and the benefits and how to communicate them to drive home the advantages to the customer. Explains how to match product needs to the customer borrowing cause, loan purpose, and business cycle clues to make the sale. Audience Bank personnel responsible for selling credit products to the small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts. M $95 / NM $130

Deposit Products and Services for Small Businesses

Gain an understanding of general banking needs of business customers. The course covers common deposit and non-credit products, and their benefits to the small business client. Audience Bank personnel new to the small business market and who are responsible for providing services to small business customers. M $95 / NM $130

Fundamentals of Small Business Banking Suite

This suite explores the characteristics, expectations, and operational needs of small businesses. Explore the different legal structures and business types to better understand your small business clients. Discover the different steps in each type of operating cycle and the stages of a small business’ life cycle. Completing this suite helps develop the key skills needed to create and sustain successful small business relationships. Concise, impactful lessons can be applied on the job immediately. Courses ▪ Small Business Basics ▪ Small Business Operating and Life Cycle Audience Bank personnel who have had limited exposure to the small business market but are responsible for servicing or selling to small business customers. M $95 / NM $130

M $95 / NM $130

Retirement Products for Small Businesses

Explores advantages to small businesses when offering retirement plans and the five retirement products and their general characteristics to match to specific client business needs. Compares client needs throughout the business life cycle to product characteristics. Introduces a referral process to make effective client referrals to retirement specialists. Audience Bank personnel responsible for managing small business relationships with responsibilities for referring and/or selling retirement services and products. M $95 / NM $130

Servicing and Growing Small Business Relationships Introduces the benefits of proactively following up with small business clients through monitoring financial information, client records, and resources to extend the business relationship beyond the initial sale. This course also explains the advantages of conducting site visits and what is required to uncover employee and business information. Audience Bank personnel responsible for managing and growing a portfolio of small business customers. M $95 / NM $130

Small Business Borrowing

Describes the characteristics of the small business market that make it an attractive source of potential business. This course explores the overall relationship between the borrowing cause, loan purpose, and repayment source to better understand the small business client credit needs. This course also explains the key steps to effectively communicate credit decisions to clients. Audience Bank personnel who are responsible for selling credit products to the small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts. M $95 / NM $130

Introduction to Analyzing Financial Statements

Reviews terms and steps associated with analyzing financial statements. Explains how tax returns report income and expenses from another perspective. Examines the computation and meaning of four categories of financial ratios and how ratios are used to spot significant trends. Audience Bank personnel who are responsible for reviewing financial statements for assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis. M $95 / NM $130

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ONLINE SELF-PACED WORKPLACE ESSENTIALS Dealing Effectively with Co-Workers

Focuses on the behaviors of and interactions between co-workers and teaches methods to improve working relationships with difficult co-workers. This course introduces the characteristics of the four behavioral (base preference) groups and explains how they affect communication between co-workers. It describes how to create some common ground with difficult co-workers or clients. Audience Bank personnel at all levels. M $95 / NM $130

Essentials of Workplace Conduct

Explores the four principles that guide appropriate actions to take in unfamiliar situations. Explains how appearance can have a great impact on how others perceive you, and addresses etiquette factors in the work environment and in offsite work situations. Audience Bank personnel in the branch and administrative office environments. M $95 / NM $130

Event Networking

Focuses on enhancing networking interactions in professional group settings and on a systematic approach to group events. Explores how to be familiar with the host and attendees of the event and its purpose to prepare questions, anticipate conversations, discuss commonalities, and ultimately establish relationships to grow your business. Audience Bankers who attend, participate in, or host community-based group events. Students should have a working knowledge of their institution's products and services. M $95 / NM $130

Managing Time at Work

Explains how to create daily plans that focus on business priorities by using techniques to manage the work area, interruptions, telephone calls, and other daily activities that take valuable time away from the workday to be more productive. Audience Bank personnel who are not currently using an organized method to plan and manage their time or who want a refresher. This includes any bank employees who are responsible for completing varied tasks in a typical day. M $95 / NM $130

CERTIFICATES Bank Solutions Provider Certificate

Develop a broad understanding of the banking business. For organizations that provide products and services to the banking industry, enable your team to better know their bank customers – from the terminology they use to the constructs under which they operate. By completing the ABA Bank Solutions Provider Certificate curriculum, you'll strengthen your knowledge of the language of bankers, core products, and the regulatory and ethical constraints under which banks operate. Required Courses The estimated time to complete these 18 courses is approximately 6.5 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Ethical Issues for Bankers ▪ Fundamentals of Consumer Lending Suite (2 courses) ▪ Fundamentals of Small Business Banking Suite (2 courses) ▪ Understanding Bank Products M $495 / NM $695

Bank Teller Certificate

Develop essential bank teller skills. Master core competencies such as cash handling, check cashing, deposit and withdrawal processing, cash payments, and daily settlements of teller cash and proof transactions. Develop a broad understanding of bank products. Build interpersonal skills that are effective with both customers and co-workers. Master the principles of professional conduct. Learn how to cultivate relationships and provide value-added service. Required Courses The estimated time to complete these 35 courses and exercises is approximately 13 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Communication Basics Suite (3 courses) ▪ Dealing Effectively with Co-Workers ▪ Effective Referrals Suite (2 courses + 1 exercise) ▪ Essentials of Workplace Conduct ▪ Ethical Issues for Bankers ▪ Online Communications Suite (2 courses) ▪ Teller Basics Suite (6 courses) ▪ Verbal Communications Suite (3 courses) ▪ Written Communication Suite (3 courses) M $695 / NM $995

Sexual and Workplace Harassment

Identifies conduct that could be considered unwelcome or inappropriate. Explains quid pro quo and hostile environment. Provides steps to follow for victims of sexual harassment and focuses on how actions may be perceived by others. Audience All employees. M $95 / NM $130

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CERTIFICATES Branch Manager Certificate

Develop skills essential to successful management. Hone your knowledge of banking and banking operations. Develop expertise in deposit and loan products, as well as sales management and customer service. Build strong communication skills. Gain insight into effectively managing staff and creating a culture of excellence. Explore techniques to raise the bar for delivering quality customer service. Required Courses The estimated time to complete these 66 courses and exercises is approximately 14 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Coaching to Support the Sales Process Suite (3 courses + 1 exercise) ▪ Employment Law ▪ Ethical Issues for Bankers ▪ Fundamentals of Consumer Lending Suite (2 courses) ▪ Fundamentals of Small Business Banking Suite (2 courses) ▪ Leadership in Action Suite (5 courses) ▪ Leveraging the Benefits of a Diverse Workforce ▪ Making the Client Call Suite (3 courses + 1 exercise) ▪ Management Essentials Suite (6 courses) ▪ Overcoming Objections Suite (3 courses + 1 exercise) ▪ Presentation Skills Suite (4 courses) ▪ Relationship Sales Suite (2 courses + 1 exercise) ▪ Sales Planning Suite (3 courses + 1 exercise) ▪ Servicing and Growing Small Business Relationships ▪ Verbal Communications Suite (3 courses) ▪ Why Quality Customer Service Matters Suite (5 courses + 1 exercise) ▪ Written Communication Suite (3 courses) M $1,295 / NM $1,595

Customer Service Representative Certificate

Develop the key skills essential to successful customer service and relationship-building. Gain a broad understanding of bank products to be able to better cross-sell products and services. Learn ways to cultivate relationships with customers and discover tactics for responding to customer needs. Become better able to successfully resolve customer problems and objections. Required Courses The estimated time to complete these 42 courses and exercises is approximately 10.5 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Communication Basics Suite (3 courses) ▪ Dealing Effectively with Co-Workers ▪ Effective Referrals Suite (2 courses + 1 exercise) ▪ Ethical Issues for Bankers ▪ Online Communications Suite (2 courses) ▪ Overcoming Objections Suite (3 courses + 1 exercise) ▪ Relationship Sales Suite (2 courses + 1 exercise) ▪ Understanding Bank Products ▪ Verbal Communications Suite (3 courses) ▪ Why Quality Customer Service Matters Suite (5 courses + 1 exercise) ▪ Written Communication Suite (3 courses) M $795 / NM $995

Certificate in General Banking

Develop a broad understanding of the underpinnings of the banking industry. Dive deeply into the purpose of specific banking functions and the role of banking in the economy. Gain practical knowledge of the core principles of accounting and economics. Explore legal and regulatory issues, compliance matters, as well as the fundamentals of bank marketing. Learn how to identify and resolve ethical issues. Required Courses No substitutions or previous college credit will be accepted. Facilitated Online: Four to sixteen weeks each in duration, and you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week. ▪ Banking Fundamentals Suite, which includes o The Banking Industry o Bank Lines of Business o Building Customer Relationships ▪ General Accounting ▪ Legal Foundations in Banking ▪ Marketing in Banking ▪ Money and Banking Self-Paced Online This course is approx. 25 minutes in length. ▪ Ethical Issues for Bankers

Digital Banker Certificate

This certificate helps bankers develop the knowledge and skills they need to provide quality customer service in today’s digital first world. Learn about the digital and mobile tools available to customers and how to provide excellent customer service on digital and social platforms. Gain insight into how demographics, technology infrastructure and data analytics play a crucial role in developing an effective digital payments strategy. Understand how to identify the risks associated with technology and protect systems and data from tampering or destruction. Required Courses ▪ Digital Banker Suite (5 courses) ▪ Payments System Suite (2 courses) ▪ Cybersecurity Fundamentals M $495 / NM $595

Personal Banker Certificate

Develop essential skills for providing full-service banking. Build broad product knowledge and an understanding of the different types of retail deposit and loan products. Gain insight into how to offer the appropriate credit, deposit, and other banking services to meet customer needs and expectations. Learn best practices for cultivating customer relationships. Required Courses The estimated time to complete these 49 courses and exercises is approximately 13.5 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Communication Basics Suite (3 courses) ▪ Effective Referrals Suite (2 courses + 1 exercise) ▪ Ethical Issues for Bankers ▪ Fundamentals of Consumer Lending Suite (2 courses) ▪ Fundamentals of Small Business Banking Suite (2 courses) ▪ Introduction to Analyzing Financial Statements ▪ Making the Client Call Suite (3 courses + 1 exercise) ▪ Managing Time at Work ▪ Online Communications Suite (2 courses) ▪ Overcoming Objections Suite (3 courses + 1 exercise) ▪ Relationship Sales Suite (2 courses + 1 exercise) ▪ Sales Planning Suite (3 courses + 1 exercise) ▪ Understanding Bank Products ▪ Verbal Communications Suite (3 courses) ▪ Written Communication Suite (3 courses) M $795 / NM $995

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CERTIFICATES Supervisor/Team Leader Certificate

Develop skills critical for becoming a well-rounded leader – whether with or without direct reports. Build communication skills for a variety of situations: including collaboration, coaching, motivation, recognition, and corrective action. Gain insight into better managing employee relations and fostering open communication among staff members. Explore ways to interview, evaluate, and select employees while being mindful of legal considerations. Discover ways to manage the change process and communicate changes with stakeholders. Required Courses The estimated time to complete these 45 courses and exercises is approximately 9.5 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Building Collaborative Teams ▪ Communication Basics Suite (3 courses) ▪ Employment Law ▪ Empowerment ▪ Ethical Issues for Bankers ▪ Leveraging the Benefits of a Diverse Workforce ▪ Management Essentials Suite (6 courses) ▪ Managing Change ▪ Online Communications Suite (2 courses) ▪ Presentation Skills Suite (4 courses) ▪ Verbal Communications Suite (3 courses) ▪ Why Quality Customer Service Matters Suite (5 courses + 1 exercise) ▪ Written Communication Suite (3 courses) M $895 / NM $1,095

Universal Banker Certificate

Develop the key skills for catering to a new customer mindset. Explore multiple ways to fulfill customers’ sales, service, and referral needs as their single point-of-contact. Master cash handling and basic transactional skills. Perfect product and service sales skills. Discover ways to build relationships and create referrals to other lines of business. Required Courses The estimated time to complete these 44 courses and exercises is approximately 9.5 hours. Students have access to the curriculum for 1 year from date of purchase. ▪ Banking Basics Suite (12 courses) ▪ Communication Basics Suite (3 courses) ▪ Dealing Effectively with Co-workers ▪ Effective Meetings ▪ Ethical Issues for Bankers ▪ Managing Change ▪ Online Communications Suite (2 courses) ▪ Overcoming Objections Suite (3 courses + 1 exercise) ▪ Presentation Skills Suite (4 courses) ▪ Relationship Sales Suite (2 courses + 1 exercise) ▪ Verbal Communications Suite (3 courses) ▪ Why Quality Customer Service Matters Suite (5 courses + 1 exercise) ▪ Written Communication Suite (3 courses) M $795 / NM $995

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Wealth Management Seminar

ABA Training

The Illinois Trust Code: Highlights for Fiduciaries

Questions on ABA Training? Connect with Denise Perez at dperez@ilbanker.com.

Four members of the committee that drafted the Illinois Trust Code will present on aspects of the ITC of particular relevance to fiduciaries, including fiduciary duties, identifying the persons who should receive notices and accounts, notices and accounts, creditors rights and trust modification.

ONLINE SELF-PACED ESTATE PLANNING & TRUST ACTIVITIES

Tuesday, April 06, 9:00 AM - 12:30 PM

Agenda ▪ Introduction to the ITC Focus on key concepts such as mandatory versus default provisions and definitions ▪ Who is a Qualified Beneficiary? Identifying the qualified beneficiaries of a trust is fundamental to fulfilling fiduciary duties, but not necessarily intuitive. ▪ Representation of Beneficiaries Learn who may represent qualified beneficiaries, including minors and other incapacitated beneficiaries. ▪ Notices and Accounts The ITC introduced new rules for providing information to beneficiaries. Learn when the new rules apply, and how they apply to trusts. ▪ Directed Trusts A properly administered directed trust can relieve the nondirecting fiduciaries from liability for actions taken by the directing party. ▪ Creditors’ Rights When is a trust subject to the claims of the grantor’s or beneficiary’s creditors? ▪ Fiduciary Duties Fiduciary duty topics include revocable trusts, delegation, life insurance, acceptances and resignation and trust certification. ▪ Trust Modification, In Brief An introduction to the various tools now available to modify the terms of a trust to help it better achieve its purpose and to facilitate smooth administration. ▪ Questions and Answers The entire panel will field questions Continuing Education 3.50 MCLE Credits (Illinois Attorneys) - Live Technology Only 4.00 CTFA Credits ABA Professional Certification Per Person Fee (Includes OnDemand Access through June 6, 2021) M $189 / NM $319

Audience Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs. M $175 / NM $225 per course (unless otherwise noted) ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

Account Acceptance and Termination Basic Characteristics of a Trust Discretionary Distributions Duties and Powers of the Trustee Estate and Guardian Administration Estate Planning to Achieve Client Goals Estate Planning for Charitable Giving Estate Planning for the Marital Deduction Estate Planning Solutions for the Business Owner Fiduciary Law A Guide to Ethics in Fiduciary & Trust Activities M $95 / NM $130 Minimizing Fiduciary Risk and Litigation Special Needs Trusts

TAX LAW & TAX PLANNING ▪ ▪ ▪ ▪ ▪ ▪ ▪

Fiduciary Income Tax Generation-Skipping Transfer Tax Gift Taxation A Guide to Ethics in Tax Law & Tax Planning M $95 / NM $130 How Trusts are Taxed Planning for Estate Tax Understanding Transfer Tax

INVESTMENT PLANNING ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

Asset Allocation and Portfolio Management Bond Selection and Analysis Economics & Markets Fundamentals of Alternate Investment Products A Guide to Ethics in Investments M $95 / NM $130 Investment Policy Investment Products Prudent Portfolio Management Stock Selection and Analysis

FINANCIAL PLANNING ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

Education Planning Solutions for Minors Estate Planning for IRAs and Qualified Plan Balances Fundamentals of Life Insurance A Guide to Ethics in Financial Planning M $95 / NM $130 Income Tax Planning Introduction to IRAs M $95 / NM $130 Introduction to Planning for Retirement Assets Managing Life Insurance Policies Types of Insurance

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Wealth Management and Trust Training Stay Ahead of the Change With five generations of clients in today’s market, there is no such thing as a ‘one-size-fits-all’ approach to wealth management. To help your advisors stay ahead of the change, turn to online training from ABA. These enhanced offerings include seven new online certificate programs and nearly 60 flexible courses for your wealth and trust team. Ensure they are equipped with the latest knowledge to maintain, deepen and enhance client relationships, compete in today’s market and excel as an advisor. Prepare for the next era of wealth management with training built for today, and focused on tomorrow. NEW

7 Wealth Management Certificates Core Concepts for Fiduciary Advisors

Trust Administration

Designed to accelerate onboarding of professionals moving into fiduciary-based advisory roles

A review of common types of trusts developed for specific purposes, how these accounts are administered, and the risks associated with administration

Fiduciary Principles and Ethics A comprehensive overview of fiduciary standards, rules and regulations designed to provide beneficiaries with the highest level of care and consideration by financial professionals

Fiduciary Risk and Compliance

Fiduciary Relationship Management

Integrated Wealth Planning and Advice

A deeper exploration of fiduciary relationships to prepare advisors to meet not only today’s clients’ needs, but also the needs of future generations

Asset Management

A detailed overview of fiduciary risk management principles, and the federal regulations that guide bank policy and client engagement

Core elements of wealth planning for taxes, education, insurance, retirement, wealth transition and philanthropy, aimed at helping clients achieve financial goals during their lifetime and beyond

A thorough study of financial and non-financial assets and how they work together in helping clients meet their financial goals

Questions? Denise Perez Illinois Bankers Association dperez@ilbanker.com (312) 347-3400


Updated March 19, 2021

TRUST FUNDAMENTALS

CERTIFICATES

Audience Trust department and other bank staff who assist or refer trust clients. No prior knowledge of the subject is required. $335 M/$450 NM per course

Certificate in Asset Management

▪ Introduction to Estate Planning ▪ Introduction to Investment Management ▪ Introduction to Trust Administration

ONLINE INSTRUCTOR-LED TRUST FUNDAMENTALS Basic Administrative Duties of a Trustee

This is one of two courses devoted to the basic skills and knowledge for understanding subject matter important to a trust professional. Recommended Prerequisite Introduction to Trust Products and Services Audience Employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs. M $300 / NM $375

Start Dates – 4/19/21, 9/27/21

Introduction to Trust Products and Services

This is one of two courses designed to provide basic skills and knowledge for understanding subject matter important to a trust professional. Recommended Prerequisite Basic Administrative Duties of a Trustee Audience Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs. M $300 / NM $375

Start Dates – 7/26/21

IRA Online Institute

This course is a comprehensive, 12-week, web-based IRA training program developed and supported by Ascensus’ experienced instructors. This innovative training program teaches you in-depth, essential IRA information, and is the only approved online training program that prepares you to take the Certified IRA Services Professional (CISP) exam. Extensive IRA reference materials, objective-based training methods, and practical applications of IRA rules create an effective learning environment. Students should expect to spend 15-20 hours a week completing the readings and assignments, depending on prior knowledge of IRAs. Audience This course is intended for IRA Services Professionals with one to two years’ experience or for those preparing for the CISP exam. M $1,695 / NM $1,895

Start Dates – 9/06/21

CTFA Exam Online Prep

A convenient way to prepare for the Certified Trust and Financial Advisor (CTFA) designation from ABA Professional Certifications. Participants use the Reference Guides to Wealth Management and Trust as their study tool, listen to 18 recorded lectures, and have access to a test on each subject area, modeled after a CTFA exam. Audience This course is designed for those preparing for the Certified Trust and Financial Advisor (CTFA) Exam. M $1,125 / NM $1,475

Start Dates – TBD

Learn how a client’s financial goals translate into their investment policy statements, inform investment decisions, what it means to be a prudent investor and how financial and non-financial assets work together. Learn how to evaluate inheritors’ financial goals, legal structures and assets in order to develop a holistic post-inheritance investment portfolio management strategy. Apply approaches to interpret and restate clients’ wealth strategies by drawing from their financial plan documents. Develop an understanding of the unique characteristics of non-financial assets and alternative investments to enable you to deliver holistic advice and service. Explore current trends in sustainable and responsible investing, and the importance of proper titling of assets. Required Courses ▪ Introduction to Investment Management ▪ Economics and Markets ▪ Importance of Proper Titling of Assets and Regular Titling Reviews ▪ Asset Allocation and Diversification ▪ Investment Policy ▪ Investment Products ▪ Sustainable and Responsible Investing ▪ Bond Selection and Analysis ▪ Stock Selection and Analysis ▪ Alternative Investment Products ▪ Developing a Personalized Wealth Management Strategy ▪ Investment Strategies for Inherited Wealth ▪ Prudent Portfolio Management ▪ A Deeper Dive into Non-Financial Assets Estimated time to complete the courses is approximately 7 hours and 30 minutes

M $1,795 / NM $2,395

Certificate in Core Concepts and Ethics for Fiduciary Advisors

Designed to accelerate onboarding of professionals moving into fiduciary-based advisory roles. Learn and apply essential fiduciary principles—including wealth planning, investment management and account administration—with this set of courses designed to accelerate new advisors' readiness to work directly with wealth clients in a fiduciary capacity. Required Courses ▪ Applying Fiduciary Principles and Ethics ▪ Fiduciary Ethics ▪ Introduction to Fiduciary Risk Management and Compliance ▪ Introduction to Integrated Planning and Advice ▪ Introduction to Investment Management ▪ Understanding Fiduciary Principles ▪ Trust Fundamentals Estimated time to complete the courses is approximately 3.5 hours.

M $895 / NM $1,095

Certificate in Fiduciary Principles and Ethics

A top priority for fiduciary professionals is holding their clients’ interests ahead of their own. Learn the ethical standards applied to fiduciary professionals—integrity, the duty to avoid conflicts of interest, competency, fairness and professionalism, and the responsibility not to engage in unauthorized practices. Gain a full understanding of fiduciary standards, rules and regulations designed to provide beneficiaries with the highest level of care and consideration by financial professionals. Required Courses ▪ Understanding Fiduciary Principles ▪ Fiduciary Ethics ▪ Applying Fiduciary Principles and Ethics Estimated time to complete the 3 required courses is approximately 1.5 hours.

M $395 / NM $495

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CERTIFICATES Certificate in Fiduciary Relationship Management

Develop fiduciary skills that go beyond foundational technical knowledge to meet evolving client expectations and behaviors. Learn key skills that enable exceptional relationship management including the ability to identify clients’ generational, gender and cultural characteristics, emotions and other factors to enable in-depth discovery conversations, meaningful dialogue and consultative presentations. This certificate will position you as a skilled advisor to not only your current clients, but also to future generations. Required Courses ▪ Managing the Dynamic Nature of Client Financial Needs ▪ Know Your Competition ▪ Mastering the Art of Inquiry ▪ Engaging in Multigenerational Conversations with Clients ▪ Developing and Delivering a Compelling Personal Value Proposition ▪ Effective Client Engagement Through “Wealth Personas” ▪ Emotional Intelligence for Wealth Advisors ▪ Understanding Generational, Gender and Cultural Characteristics in Managing Wealth ▪ Engaging with Centers of Influence ▪ Interacting with Financial Advisors/Brokers ▪ Selling Value The estimated time to complete the 11 required courses is approximately 5 hours.

M $1,295 / NM $1,795

Certificate in Fiduciary Risk and Compliance

Gain a full understanding of the regulatory basis and importance of fiduciary compliance, its elements and how it affects your role as an advisor. Learn key aspects of federal and other environmental laws, elements of fiduciary liability and steps fiduciaries can take to manage risk. Learn the importance of client due diligence and ongoing monitoring throughout the life of the relationship. Courses provide a foundation in the regulations, bank policies, procedures and relationship management responsibilities that impact fiduciary risk management and compliance. Required Courses ▪ Introduction to Fiduciary Risk Management and Compliance ▪ Managing Fiduciary Risk and Litigation ▪ Fiduciary Compliance ▪ Environmental Liabilities of Fiduciaries Estimated time to complete these courses is approximately 2 hours and 30 minutes.

M $595 / NM $795

Health Savings Account (HSA) Expert Certificate

A comprehensive overview of HSA requirements for financial institutions and benefits administrators. Designed to help HSA providers and their staff master key requirements, situations, and strategies to better serve HSA account holders, the certificate is the product of HSA Consulting Services and its president and founder, Roy Ramthun, and is distributed in cooperation with the ABA HSA Council. Registration also includes a digital copy of the HSA Owners' Manual. Course The estimated time to complete these 7 courses, plus the exam, is 3.5 hours. ▪ ▪ ▪ ▪ ▪ ▪ ▪

Overview of Health Savings Accounts HSA Eligibility HSA Contributions HSA Distributions HSA Account Administration HSA Benefits, Strategies, and Best Practices How Much Do You Know About HSAs?

Individuals who successfully complete the course and the timed 1 hour, 40 question online exam earn a 3-year HSA Expert Certification from HSA Consulting Services. M $795 / NM $1,095

Certificate in Integrated Wealth Planning and Advice

Learn how personal finance, tax, insurance, retirement and estate planning work together to help clients define and achieve their objectives during and beyond their lifetime. Learn the tax considerations and gifting strategies surrounding individual income tax, fiduciary income tax and federal estate tax. Gain foundational knowledge on the fundamentals of insurance and the features of life insurance policies and annuities. Explore planning considerations Individual Retirement Accounts, how benefits are coordinated with the estate plan and the planning aspects of various retirement plans. Gain a better understanding of the marital deduction, charitable techniques to accomplish estate and financial planning objectives and tax implications of education plans and how trusts can be used for this purpose. Learn how clients’ financial lives are reflected on their balance sheets, how to analyze and interpret the balance sheets and legal entity structures used by clients to hold assets and how they align with their strategies and goals. Required Courses ▪ Introduction to Integrated Planning and Advice ▪ Tax Planning ▪ Individual Income Tax ▪ Fiduciary Income Tax ▪ Gift Strategy and Taxation ▪ Generation-Skipping Transfer Tax ▪ Federal Estate Tax ▪ Insurance Planning ▪ Fundamentals of Insurance ▪ Life Insurance Policies ▪ Annuities ▪ Retirement Planning ▪ Planning for Retirement ▪ Qualified Retirement Plans ▪ Individual Retirement Accounts ▪ Estate Planning ▪ Estate Planning Fundamentals ▪ Estate Planning for the Marital Deduction ▪ Philanthropic Planning ▪ Education Planning for Minors ▪ Estate Planning for the Business Owner ▪ Advising Clients ▪ Full Balance Sheet Advice ▪ Structure Analysis and Advice The estimated time to complete these 19 courses is approximately 13 hours.

M $2,395 / NM $3,095

Certificate in Trust Administration

Explore the requirements to create a trust, common types of personal trusts, account acceptance and termination considerations, and other factors to consider in making discretionary distributions. Learn about the scope of a trustee’s duty of authority, typical trust guidance and common discretionary standards to make sound discretionary decisions. Discover preliminary matters relating to guardian administration, including responsibilities in estate asset inventory and asset management, closing a guardianship/conservatorship and how a special needs trust can protect current or anticipated family funds without jeopardizing government benefits. Required Courses ▪ Trust Fundamentals ▪ Introduction to Trust Administration ▪ Duties and Powers of the Trustee ▪ Types of Trusts ▪ Discretionary Distributions ▪ Account Acceptance and Termination ▪ Estate and Probate Administration ▪ Special Needs Trusts Estimated time to complete these courses is approximately 3 hours and 30 minutes.

M $895 / NM $1,195

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RESOURCES Wealth Advisory and Personal Trust Series

The four workbooks are a desktop reference for wealth advisors and a resource for employees who want to sharpen their skills in preparation for the Certified Trust and Financial Advisor (CTFA) examination. Each section in every workbook has chapter review questions and answers, a sample test and answers, and a list of additional resources on the Internet and in print. The Fiduciary and Trust Activities Workbook Trust and Probate Law and Custom; Investment Responsibilities of a Trustee; Environmental Law and Ethics The Financial Planning Workbook Personal Finance/Insurance products; Retirement & Estate Planning; Ethics The Investments Management Workbook Economics and markets, Equity and debt markets and portfolio management; Alternative Investments and Investment policy; Performance measurement and evaluation; Ethics and legal considerations The Tax Law and Tax Planning Workbook Income taxation of individuals, fiduciaries and charitable entities; Federal estate, gift and generation-skipping taxes; Planning for gifts, credit shelters, marital and non-marital taxes; Post-mortem planning; Planning for retirement benefits; Ethical considerations for individuals and entities serving as fiduciaries. M $165 / NM $225 Each

M $575 / NM $775 Full Series

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Other Upcoming Events Spring Golf Outing Thursday, May 20

St. Clair Country Club, Belleville

Fall Golf Outing October 4

Pekin Country Club

Chicago Area Chapter Breakfast December 2

Sheraton, Lisle

Resources / Publications IBA Annual Bank Directory

Features profiles of every state and nationally chartered bank in Illinois, including address, phone and fax numbers, holding company affiliation, lead bank indication, balance sheet data, MICR numbers, wire numbers, key bank officers, bank directors, correspondent banks and branch office location information. New edition available every January M $85 / NM $125

Illinois Bank Compensation & Benefits Survey

The survey results include annual compensation and non-cash compensation and other benefits such as sick leave, vacation time, bonus information, directors' compensation and benefits. The results are available by the beginning of June. Nonparticipants - $499

Illinois Banker Magazine

Offers the latest in association, industry and regulatory and association news in a format that best accommodates busy schedules. Features include economic outlooks, latest technology trends and articles for senior executives and bank directors. $90 Annual Subscription

Illinois Guide to Bank Record Retention

IBA has relied on the association-produced record retention guide to not only stay in compliance with state and federal retention requirements, but to also save money by not keeping records longer than necessary. It provides a federal and Illinois schedule of records and suggested policy and procedures to help guide you. M $249 / NM $399

Legal Closing Signs (English/Spanish)

Make sure customers are aware of the bank's observed holidays. Each static cling sign is bright, easy-to-read, professional looking and easily adheres to glass. Includes 10 signs for the legal holiday schedule for banks in Illinois. M $25.95 / NM $35.95 per set

ABA Textbooks support the ABA curriculum and cover a wide variety of subjects in banking and financial services.

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Index A A Guide to Ethics in Fiduciary and Trust Activities ....................... 31 A Guide to Ethics in Financial Planning ......................................... 31 A Guide to Ethics in Investments .................................................... 31 A Guide to Ethics in Tax Law and Tax Planning ............................ 31 ABA Textbooks ................................................................................. 35 Account Acceptance and Termination ............................................ 31 ACH Exception Handling .............................................................. 5, 21 Advanced Ag Credit Conference ....................................................... 9 Advanced BSA/AML Academy ........................................................... 4 Advanced IRAs .................................................................................. 22 Ag Lending Update ............................................................................. 9 American Mortgage Conference ........................................................ 9 Analyzing Bank Performance ............................................................ 3 Analyzing Business Financial Statements and Tax Returns ........ 11 Analyzing Financial Statements ...................................................... 10 Analyzing Personal Financial Statements and Tax Returns ......... 11 Asset Allocation and Portfolio Management .................................. 31

B Bank Counsel Conference ................................................................. 4 Bank Director Training ..................................................................... 17 Bank Marketing Forum ..................................................................... 19 Bank Marketing: Building Customer Relationships ...................... 20 Bank Solutions Provider Certificate ................................................ 28 Bank Teller Certificate ...................................................................... 28 Bank Trainers Virtual Summit .......................................................... 14 Banking Basics Suite ........................................................................ 23 Banking Fundamentals ..................................................................... 23 Basic Administrative Duties of a Trustee ....................................... 32 Basic Bank Training for Veterans .................................................... 23 Basic Characteristics of a Trust ...................................................... 31 Bond Selection and Analysis ........................................................... 31 Branch Leadership Series ................................................................ 22 Branch Manager Certificate ............................................................. 29 Breaking into Banking 101: Fundamentals of Commercial Banking ....................................................................................................... 10 Breaking into Banking 201: Analyzing Repayment Sources ........ 10 Breaking into Banking for Interns ................................................... 10 Breaking into Banking Powered by Keusal Learning .................... 10 BSA/AML Fundamentals Bootcamp .................................................. 4

C Call Report Preparation .................................................................... 21 Calling on Small Business Customers ........................................... 27 Certificate in Asset Management ..................................................... 32 Certificate in Bank Financial Management ................................. 3, 18

Certificate in BSA and AML Compliance .......................................... 7 Certificate in Business and Commercial Lending .......................... 13 Certificate in Core Concepts and Ethics for Fiduciary Advisors .. 32 Certificate in Deposit Compliance ..................................................... 7 Certificate in Fiduciary Principles and Ethics ................................ 32 Certificate in Fiduciary Relationship Management ........................ 33 Certificate in Fiduciary Risk and Compliance ................................ 33 Certificate in Financial and Credit Risk Management ...................... 8 Certificate in Fraud Prevention .......................................................... 7 Certificate in General Banking ......................................................... 29 Certificate in Integrated Wealth Planning and Advice ................... 33 Certificate in Lending Compliance .................................................... 7 Certificate in Operational Risk Management .................................... 8 Certificate in Risk Management Frameworks ................................... 8 Certificate in Trust Administration .................................................. 33 CFO Forum ........................................................................................... 3 Chicago Area Chapter Breakfast ..................................................... 35 Coaching to Support the Sales Process Suite ............................... 24 Commercial Document Preparation for Beginners Workshop ....... 9 Commercial Lending ......................................................................... 10 Commercial Real Estate Lending Decision Process ..................... 11 Communication Basics Suite ..................................................... 14, 24 Compliance Conference ..................................................................... 4 Compliance Forum .............................................................................. 4 Compliance Training for Bank Boards .............................................. 6 Consumer Credit Products ............................................................... 25 Consumer Lending ............................................................................ 10 Consumer Lending - Beyond the Basics .................................... 9, 22 Consumer Real Estate for Beginners Workshop ............................. 9 CRA Review and Update ..................................................................... 5 CRCM Exam Online Prep .................................................................... 6 Credit Products for Small Businesses ...................................... 11, 27 CTFA Exam Online Prep ................................................................... 32 Customer Service Representative Certificate ................................ 29

D Dealing Effectively with Co-Workers ......................................... 15, 28 Deposit Products and Services for Small Businesses ............ 11, 27 Digital Banker Certificate .................................................................. 29 Directors Education Series .............................................................. 17 Discretionary Distributions .............................................................. 31 Duties and Powers of the Trustee.................................................... 31

E Economics & Markets ....................................................................... 31 Education Planning Solutions for Minors ....................................... 31 Effective Referrals Suite ................................................................... 11 Elder Financial Abuse & Synthetic Identity Fraud ......................... 22 Employment Law ................................................................... 15, 18, 26 Essential Selling Skills Bundle ........................................................ 25

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Essentials of Workplace Conduct ............................................. 15, 28 Estate and Guardian Administration ............................................... 31 Estate Planning for Charitable Giving ............................................. 31 Estate Planning for IRAs and Qualified Plan Balances ................. 31 Estate Planning for the Marital Deduction ...................................... 31 Estate Planning Solutions for the Business Owner ...................... 31 Estate Planning to Achieve Client Goals ........................................ 31 Ethical Issues for Bankers ......................................................... 14, 23 Event Networking ........................................................................ 15, 28

F Fall Golf Outing ................................................................................. 35 Fiduciary Income Tax ....................................................................... 31 Fiduciary Law .................................................................................... 31 Foundational Certificate in Bank Marketing ................................... 20 Fundamentals of Ag Financing .......................................................... 9 Fundamentals of Alternate Investment Products .......................... 31 Fundamentals of Consumer Lending Suite .................................... 25 Fundamentals of Life Insurance ...................................................... 31 Fundamentals of Mortgage Lending ............................................... 10 Fundamentals of Small Business Banking Suite ..................... 11, 27

G General Accounting .......................................................................... 23 Generation-Skipping Transfer Tax .................................................. 31 Gift Taxation ...................................................................................... 31

H Handling Mortgage Inquiries and Making Referrals ................ 11, 25 Health Savings Account (HSA) Expert Certificate ......................... 33 How Trusts are Taxed ....................................................................... 31 Human Resources Forum ................................................................ 14

Investment Policy .............................................................................. 31 Investment Products ......................................................................... 31 IRA Essentials.................................................................................... 22 IRA Online Institute ........................................................................... 32

L LaserPro® Training 2020 .................................................................... 9 Leadership in Action Suite ................................................... 15, 18, 26 Legal Closing Signs .......................................................................... 35 Legal Foundations in Banking ........................................................... 6 Lending Decision Process................................................................ 12 Leveraging the Benefits of a Diverse Workforce ............... 15, 18, 26 Loan Structuring, Documentation, Pricing and Problem Loans ... 12

M Management Essentials Suite .............................................. 15, 18, 26 Managing Funding, Liquidity and Capital ......................................... 3 Managing Interest Rate Risk .............................................................. 3 Managing Life Insurance Policies .................................................... 31 Managing the Bank’s Investment Portfolio ....................................... 3 Managing Time at Work .............................................................. 16, 28 Marketing Conference ....................................................................... 19 Marketing in a Digital World ............................................................. 20 Marketing in Banking ........................................................................ 19 Marketing Management..................................................................... 19 Marketing Planning ........................................................................... 19 Midwest Agricultural Banking School ............................................... 9 Midwest Bank Leaders Conference ................................................. 17 Minimizing Fiduciary Risk and Litigation ........................................ 31 Money and Banking........................................................................... 23 Mortgage Customer Counseling and Prequalification .................. 12

N New Accounts in Illinois ................................................................... 22

I IBA Annual Bank Directory .............................................................. 35 IBA Compliance Connection® ............................................................ 8 Illinois Bank Compensation & Benefits Survey ............................. 35 Illinois Banker Magazine .................................................................. 35 Illinois Guide to Bank Record Retention ........................................ 35 Improving Productivity ......................................................... 15, 18, 26 Income Tax Planning ........................................................................ 31 Introduction to Agricultural Lending ............................................... 10 Introduction to Analyzing Financial Statements ...................... 11, 27 Introduction to Consumer Lending ................................................... 9 Introduction to Estate Planning ....................................................... 32 Introduction to Investment Management ........................................ 32 Introduction to IRAs .................................................................... 25, 31 Introduction to Planning for Retirement Assets ............................ 31 Introduction to Trust Administration .............................................. 32 Introduction to Trust Products and Services ................................. 32

O Online Communication Suite ..................................................... 14, 24

P Payment Fraud Trends in the New Normal presented by MasterCard ...................................................................................... 5 Payments System Training Suite ..................................................... 21 Performing Your ACH Audit ......................................................... 5, 21 Personal Banker Certificate.............................................................. 29 Personal Tax Return Analysis .................................................... 12, 25 Planning for Estate Tax..................................................................... 31 Presentation Skills Suite............................................................. 14, 24

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Prudent Portfolio Management ........................................................ 31

Q Qualitative Analysis and Determining a Credit Risk Rating ......... 12

R Real Estate Lending Compliance ...................................................... 5 Reference Guide to Regulatory Compliance .................................... 8 Referring Insurance and Annuity Clients ....................................... 26 Referring Investment Clients ........................................................... 26 Referring Trust Clients ..................................................................... 26 Regulatory Compliance Series .......................................................... 4 Regulatory University ......................................................................... 8 Relationship Selling to Small Business Customers ...................... 27 Residential Mortgage Lender Certificate ........................................ 13 Retirement Products for Small Businesses ............................. 12, 27

S Selling in a Social World .................................................................. 25 Senior Retail Forum .................................................................... 14, 22 Servicing and Growing Small Business Relationships ................. 27 Sexual and Workplace Harassment .......................................... 16, 28 Sexual and Workplace Harassment for Managers ............. 15, 18, 26 Small Bank CEO Forum .................................................................... 17 Small Business Banker Certificate .................................................. 13 Small Business Borrowing ......................................................... 12, 27 Special Needs Trusts ........................................................................ 31 Spring Golf Outing ............................................................................ 35

Stock Selection and Analysis .......................................................... 31 Supervisor/Team Leader Certificate ................................................ 30

T Technology and Operations Forum ................................................. 21 Tele-Consulting Curriculum ............................................................. 25 The Illinois Trust Code: Highlights for Fiduciaries ........................ 31 Tips, Shortcuts and Best Practices Workshop ................................ 9 Types of Insurance ............................................................................ 31

U Understanding Bank Products ......................................................... 24 Understanding Business Borrowers ............................................... 12 Understanding Transfer Tax............................................................. 31 Universal Banker Certificate............................................................. 30

V Verbal Communication Suite...................................................... 15, 24

W Wealth Advisory and Personal Trust Series ................................... 34 Why Quality Customer Service Matters Suite ................................ 26 Women in Banking Conference ....................................................... 17 Written Communication Suite .................................................... 15, 24

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Visit Us at www.ilbanker.com Registrar@ilbanker.com 217-789-9340

Profile for Illinois Bankers

IBA Course Catalog  

Building Your TALENT with Virtual Programs, Seminars, Webinars, Conferences, and More

IBA Course Catalog  

Building Your TALENT with Virtual Programs, Seminars, Webinars, Conferences, and More