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2019 Course Catalog

Building Your TALENT with

Seminars, Webinars, Conferences and More Connect with US! 217-789-9340 | ilbanker.com


Updated February 12, 2019

Table of Contents Program Delivery ............................................................................................................................................. 2 Continuing Education Credits ........................................................................................................................ 2 Bank Financial Management........................................................................................................................... 3 Compliance and Banking Law ........................................................................................................................ 4 Lending: Commercial, Consumer and Residential...................................................................................... 10 Human Resources and Workplace Fundamentals ...................................................................................... 15 Management & Leadership ........................................................................................................................... 18 Marketing & Sales.......................................................................................................................................... 20 Operations & Technology ............................................................................................................................. 22 Retail Banking ............................................................................................................................................... 22 Wealth Management ...................................................................................................................................... 32 Special Events ............................................................................................................................................... 35 Resources & Publications ............................................................................................................................ 35 Index ............................................................................................................................................................... 36

Illinois Bankers Education Services Staff Callan Stapleton, Vice President, Education Services and Products & Services Kevin Klug, Assistant Vice President Bob Anderson, Manager of Education and Training Cassie Mattson, Manager, Event Management & FLA Denise Perez, Education Coordinator / Chicago Office Coordinator Amy Sale, Education Assistant

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Updated February 12, 2019

Program Delivery

Continuing Education Credits

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.

recognized as a public accountant continuing professional education sponsor by the Illinois Department of Financial and Professional Regulation.

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.

an HRCI Approved Provider through December 31, 2019. This status allows the IBA to obtain pre-approval for recertification credit hours, based on HRCI standards, to HR-related educational programs.

Banking Forums These exclusive member-only peer to peer

Society for Human Resource Management (SHRM)

groups were created by bankers for bankers to provide open forums for the learning and sharing of ideas. More

The IBA is recognized as a SHRM Recertification Provider through January 31, 2020.

▪ ▪ ▪ ▪ ▪

Illinois MCLE The IBA is recognized as an Accredited CLE

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. ▪ Facilitated 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 ▪ ▪ ▪ ▪

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

HR Certification Institute (HRCI) The IBA is recognized as

Provider by the Minimum Continuing Legal Education (MCLE) Board of the Supreme Court of Illinois through June 30, 2019. 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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2019 Online Training Webinars (Live and On-Demand) COMPLIANCE 2/12 2/12 2/13 2/14

2/19 2/20 2/20 2/21 2/22 2/26 2/27 2/28 2/28 3/5 3/6 3/6 3/13 3/13 3/14 3/14 3/14 3/18 3/19 3/20 3/21

CRA Nuts & Bolts - Five Steps to Pass the Exam* What to Do When a Customer Dies* Opening New Accounts, Part II: Business Accounts* HMDA Auditing: Building on Principles and Auditing Tips for Effective Reviews▪ Opening New Accounts, Part III: Trust and Fiduciary* BSA Emerging Issues 2019* Top 25 Safe Deposit Compliance Issues* Legal Issues of Checks* ACH Rule Changes: What's New in 2019* Opening Minor Accounts* W-9, W-8BEN and W-8BEN-E Forms and Info* Alert! Prepaid Accounts Final Rule Effective April 1, 2019* Federal Benefit Payments Garnishment Requirements* ACH Origination and Same Day Entries* Quarterly Compliance Briefing: Spring 2019* Tax Refunds: ACH Postings & Exceptions E-Sign for Lending and Critical E-Sign Implementation Issues* RESPA: Those Pesky Section 8 Violations* Annual Deposit Regulation Training for Frontline* FFIEC Information Security Handbook Review* Social Media Attacks and Trends for 2019▪ Handling Deceased Deposit Accounts* Right of Setoff* Auditing HMDA* Legal Liabilities when Check Fraud Occurs*

3/27

3/27 3/28 3/28

Best-Ever Compliance Checklists for Commercial Loans* Opening Accounts for Nonresident Aliens* Foreign Remittances* Open-Ended Lines of Credit: Compliance Issues*

HSA/IRA 2/13 2/20 2/27 3/6

Top 10 IRA Issues IRA Transfers and Rollovers Establishing and Amending IRAs Rollovers Between Retirement Plans and IRAs

HUMAN RESOURCES / EMPLOYEE DEVELOPMENT 2/15 2/20 2/25 2/26 3/8 3/15 3/21 3/26 4/24

Writing Effective Business Reports* Building a Recognition Program for Success Excel Explained: Minimize Spreadsheet Errors* Onboarding Your New Hire* Business Plans That Get Results* Protecting Your SalariedExempt Status* Managing a Successful Call Center* Writing Teller Training and Procedures* Deepening Human Connection in an Increasingly Digital World

INFORMATION TECHNOLOGY 2/15 2/19

Cybersecurity 101: Board Basics Responsibilities of the Information Security Officer*

LENDING 2/1

Writing an Effective Credit Memorandum 2/4 Advanced Cash Flow Analysis* 2/4 Cash Management: How Sales, Operations and Technology Can Work Together to Generate More Fee Income 2/5 Analyzing the Company's Liquidity Using the Cash Conversion Cycle 2/5 Business Law Basics and Lender Liability 2/6 Loan Structure, Documentation and Compliance Training - a Comprehensive Approach 2/11 CRE Appraisals: Regulations and the Review Process* 2/13 Loan Documentation: Top 10 Mistakes and How to Avoid Them* 2/14 Problem Loan Identification* 2/19, 2/26, 3/5, 3/12 Commercial Real Estate Appraisals: Reviewing and Interpreting 2/19, 2/26, 3/5, 3/12 Commercial Real Estate Cash Flow: Analyzing Income-Producing or Rental Real Estate, Plus Global Cash Flow Issues 2/19, 2/26, 3/5, 3/12 Developing Personal and Global Cash Flow from Tax Returns 2/26 Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly 2/27 TRID for Beginners* 3/1 Letters of Credit* 3/6 Basic Personal & Business Tax Return Analysis 3/6 Commercial Construction Lending* * Total Training Solutions (TTS)  Graduate School of Banking (GSB) ▪ American Bankers Association (ABA)  Illinois Bankers Association


LENDING

SALES AND MARKETING

3/7 3/7

2/14

3/11 3/12 3/22 3/25 3/29

Consumer Real Estate Loans* Using Personal Tax Returns for Global Cashflow: What's Cashflow and What Isn't* Advanced Tax Return Analysis* Basic Underwriting* Call Report: Lending Schedules for Banks* Residential Construction Lending* Ratio Analysis to Determine Financial Strength*

MANAGEMENT Enhancing the Customer Experience 3/5 Secrets of Buying and Selling a Community Bank 3/5, 3/7 Fundamentals of Interest Rate Swaps and Caps 3/7 Growing Long-Term Retail Deposits: Overview of Advanced Managerial Approaches

2/14 2/14 3/5

3/20

3/21

2/21

TRUST 2/26 2/26

3/7

RETAIL 2/21 2/28

3/6

Growing Long-Term Retail Deposits: General Overview Growing Long-Term Retail Deposits: Overview for FrontLine Bankers Dealing with Powers of Attorney

8 Steps to Improve CrossSelling* Building an Effective Marketing Plan Compelling Advertising for Community Banks Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income* For Banking RMs: How Top Producing Bankers Prospect for Business* The Benefits of Building a Personal Brand as a Community Banker▪

4/4 4/16

Basic Estate Planning and Estate Settlement Amicus and Case Updates: A Bankruptcy Update for Corporate Trustees▪ Current Issues in Charitable Giving▪ What Should a Married Couple’s Estate Plan Be Post 2017? ▪ Developments in Document Review for Corporate Trustees▪

* Total Training Solutions (TTS)  Graduate School of Banking (GSB) ▪ American Bankers Association (ABA)  Illinois Bankers Association


O P P O R T U N I T Y • N E T W O R K I N G • E D U C AT I O N

Build ng Your Game Plan February 28-March 1, 2019 Embassy Suites • East Peoria


Updated February 12, 2019

Bank Financial Management Conferences The ONE Conference: Building Your Game Plan February 28-March 1 | Embassy Suites, East Peoria The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations. Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

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. $875 M/$1,125 NM Start Date – 6/10/19

Managing Interest Rate Risk

Forum CFO Forum IBA Members Only May 3, August 9, December 6 | Panther Creek Country Club, Springfield May 10, August 23, December 6 | RSM Office, Schaumburg 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.

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. 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. $875 M/$1,125 NM Start Dates – 4/8/19

CERTIFICATES Certificate in Bank Financial Management

ABA Training Questions on ABA Training? View more information online or 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 Designed for 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. $875 M/$1,125 NM Start Dates – 5/13/19

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.

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 have an understanding of accounting and financial markets, as well as experience in the use of electronic spreadsheets. $2,165 M/$2,895 NM

Audience Individuals involved in managing the bank's investment portfolio $875 M/$1,125 NM Start Date – 3/25/19, 8/5/19

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ABA EXAM PREP July 22-26, 2019 Loews Chicago O’Hare Chicago, IL Prepare for the Certified Regulatory Compliance Manager (CRCM) exam with ABA’s comprehensive in-person exam prep. • Learn from leaders in compliance, who will cover laws and regulations on the exam. • Participate in group discussions with ample time dedicated to Q&A. • Demonstrate commitment to your career development. • Tuition includes the eBook edition of the ABA Reference Guide to Regulatory Compliance.

Tuition Fees: ABA Member… $2,495

Steps Toward the

CRCM In-Person

Non-Member…$2,995

What You Can Do Now Build your compliance foundation with these upcoming training opportunities: • IBA Regulatory Compliance Series April 8 - 12, 2019, Oak Brook, IL

• ABA Foundational Compliance School March 30 - April 4, 2019, Tucson, AZ

• ABA Intermediate Compliance School April 1 - 4, 2019, Tucson, AZ

Online

• ABA Certificate in Deposit Compliance • ABA Certificate in Lending Compliance

For more information, contact Denise Perez at 312-347-3400 or dperez@ilbanker.com.

This training, along with your professional experience, may qualify you to take the CRCM exam. Please visit aba.com/CRCM-earn to see all eligibility requirements.

To register visit: aba.com/CRCMExamPrep


Updated February 12, 2019

Compliance and Banking Law Conferences

Seminars

Compliance Conference

ACH Training

June 7 | More details coming soon.

Special bundle pricing for four in-person seminars and seven webinars. Contact us at 217-789-9340 or education@ilbanker.com. $1,595 M / $2,695 NM per person

Series Regulatory Compliance Series April 8-12 | Lewis University, Oak Brook The regulatory environment under which we operate continues to change and evolve, making high-quality, professional training a "musthave." Earn the IBA's Certificate in Regulatory Compliance by participating in the entire series or attend 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 “Red Flags” ▪ Reg DD: Truth in Savings Accounts (TISA) Program 5 - BSA/AML Compliance & Regulators’ Forum ▪ BSA, AML and USA Patriot Act ▪ Regulators’ Forum Continuing Education Credits – CRCM Pending Audience Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors and Cashiers TCA Instructors Brian Crow, Jim Dray, Monique Reyna, Michelle Strickland IBA Member Nonmember

Full Series $1,099 Individual program $249 Full Series $1,949 Individual program $419

Touring the 2019 ACH Rules: Updates You Need to Know & More March 28 | Scheels Training Center, Springfield March 29 | Lewis University, Oak Brook This session is designed to help the attendee navigate the NACHA Operating Rules like a pro. Firstly, we will begin with an in depth look at what Rules are changing in 2019 and beyond. Secondly, we will go through the Rules section by section to develop a better understanding of the format of the book itself. Finally, we will place handy tabs on key pages to make finding the answers you are looking for a breeze. $299 M / $469 NM includes Rule Book $249 M / $419 NM without Rule Book

ACH Exception Handling May 16 | Scheels Training Center, Springfield May 17 | 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. $249 M / $419 NM

Performing Your ACH Audit August 28 | IBA Training Center, Springfield August 29 | Lewis University, Oak Brook If your bank utilizes the ACH network, you most are certainly 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. But have you ever wondered what specific areas of the ACH rules are included in the ACH audit requirements? What are the most common areas of non-compliance? This seminar will arm 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. $249 M / $419 NM

Government Payments & ACH August 28 | IBA Training Center, Springfield August 29 | Lewis University, Oak Brook Do you know how to handle government returns, DNEs, or NOCs? Do you understand your liability for government payments posted in error? This seminar will help you gain insight into how Government payment rules differ from ACH rules and provide peace of mind that you have all the right answers to these questions. $249 M / $419 NM

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ACH Training Webinars - $165 M / $245 NM

Seminars

Tax Refunds: ACH Postings & Exceptions

BSA/AML Bootcamp

March 6 | Webinar

May 7-8 | Lewis University, Oak Brook

The IRS issues over 101 million tax refunds on a yearly basis and over 80% of these are via direct deposit. The average refund amount is over $3,000. With such a high volume, it is imperative that your financial institution handle tax refunds with the utmost care and caution to avoid large dollar losses that can be caused by not understanding the unique requirements of IRS tax refunds. These requirements address account number/name matching situations, deceased recipients, refunds posting to incorrect accounts, and refunds as exception items. This session will cover the rights and obligations of the financial institution, account holder, and tax preparer.

BSA is an on-going, ever-changing “safety and soundness” issue. Compliance with the Bank Secrecy Act (BSA) continues to be a top priority with the regulators. The financial industry is required to take an increased leading role in the prevention of money laundering and potential terrorist funding. 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 safety and soundness responsibility. This program provides tools, techniques, and “real world” practice and examples for learning the critical components of a BSA/AML Program.

Regulation E – An Overview

Audience This session focuses on the fundamentals and basics of BSA and is designed for newly-appointed BSA Officers, BSA team members needing a refresher, or those responsible for supporting the function.

April 25 | Webinar Is your frontline and operations staff comfortable with their knowledge of how Reg E relates to specific payment types such as ACH, Card, or Wires and their unique rules? If the answer is no or not really, the IBA can help lessen the uncertainty. This webinar will present an overview of the regulation, hitting the high points while providing a foundation that will lead to practical application and help ensure compliance.

Check Fundamentals & Processing June 12 | Webinar With the steady progress towards electronic banking and bill payment, how well does your staff know the check? Key definitions related to checks as well as an overview of the check processing system.

Check Exceptions – Returns & Adjustments July 17 | Webinar

Instructor Dianne Barton, President, Performance Solutions, inc. (PSi) $499 M / $899 NM

Advanced BSA/AML Academy May 9-10 | Lewis University, Oak Brook December 3-4 | IBA Training Center, Springfield Provides an update to BSA laws and regulations, including valuable information to enhance your BSA compliance program to help prepare for your next examination and audit. Covers current trends and tools for today’s BSA officers and team members. Participants will take part in case studies and develop takeaways that can be implemented back in the “real world.” Audience This program is designed for professionals with a working knowledge of all aspects of the BSA regulations and rules.

Does your staff know what to do with a check item that cannot be processed immediately and needs special handling? This program will focus on these exception situations with an emphasis on decision making and the disposition of the item.

Instructor Dianne Barton, President, Performance Solutions, inc. (PSi)

Regulation CC: Updates You Need to Know

December 5 | IBA Training Center, Springfield

Fees $499 M / $899 NM

BSA Forum

July 24 | Webinar Regulation CC requires that financial institutions provide customers who have a transaction account with disclosures stating when their funds will be available for withdrawal. Your financial institution is required to establish procedures to ensure that it complies with the requirements of Reg CC. This program reviews the regulation and provides information regarding critical updates.

Identifying, Registering & Auditing Third-Party Senders September 18 | Webinar NACHA passed a new rule in 2017 that requires every Originating Depository Financial Institution to either register its third-party sender customers with NACHA or provide NACHA with a statement that it has no such customers. If your financial institution has third-party sender relationships, participating in this webinar will provide a clear understanding of how to ensure that audit requirements are met for them.

Performing Your ACH Risk Assessment November 20 | Webinar This webinar will focus on the risks associated with ACH operations and how to implement a comprehensive ACH Risk Assessment Program. You will hear what the current risks are and how they can affect even the smallest institutions. Where to establish controls to protect your organization from ACH losses and risk exposure will also be discussed.

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ABA Training Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

ONLINE INSTRUCTOR-LED CRCM Exam Online Prep A convenient way to prepare for the CRCM designation from ABA Professional Certifications. Participants use the ABA Reference Guide to Regulatory Compliance, updated annually in July, as their study tool, listen to 10 hours of recorded lectures, and have access to a test on each regulation modeled after a CRCM exam. Audience This course is designed for those preparing for the Certified Regulatory Compliance Manager (CRCM) Exam, including financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization's business. $900 M/$1195 NM Start Dates – 3/4/19, 8/12/19

Compliance Training for Bank Boards Our easy-to-deliver program provides the materials you need to 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 $395 M/$595 NM

Legal Foundations in Banking Presents the underlying legal structure for conducting the business of 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. $550 M/$675 NM

Start Dates – 3/25/19, 7/15/19

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

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 - New Appraisals: Reg Z Requirements - New 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 - New FCRA: Affiliate/Third Party Information Sharing - New FCRA: Duties of Furnishers - New FCRA: Introduction and Overview - New FCRA: Medical Information Sharing - New FCRA: Notice to Consumers (Risk-Based Pricing) - New FCRA: Permissible Purpose - New FCRA: Prescreened Offers of Credit - New FCRA: Use of Consumer Reports in Employment - New 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

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ONLINE SELF-PACED

CERTIFICATES

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

Certificate in BSA and AML Compliance

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 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 and Fair Enforcement for Mortgage Licensing Act ▪ TILA-RESPA Integrated Disclosures ▪ Truth in Savings Act (Reg DD) ▪ Unlawful Internet Gambling Enforcement Act (UIGEA) (Reg GG)

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 $1,595 M/$2,095 NM

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) $1,595 M/$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 $795 M/$1095 NM

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CERTIFICATES 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) $2,195 M/$2,695 NM

Certificate in Operational Risk Management 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 $1,595 M/$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 $1,395 M/$1,895 NM

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RESOURCES ABA Reference Guide to Regulatory Compliance, 28th Edition This guide is an ideal resource for compliance managers, department staff, product managers, and retail branch banking managers. The Guide is updated annually, giving you timely and relevant updates at your fingertips. Updates to the 28th Edition include: ▪ Final HMDA rule (8/17) ▪ Finalized TRID rules and corrections ▪ OFAC updated ▪ Reg CC ▪ Remote Deposit Capture ▪ Reg J check processing liability changes View the Table of Contents (PDF). 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. Available in 3-hole punched Paper Version or Adobe Digital Reader eBook $350 M/$495 NM

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Updated February 12, 2019

Lending: Commercial, Consumer and Residential Conferences The ONE Conference: Building Your Game Plan February 28-March 1 | Embassy Suites, East Peoria The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations.

LaserPro Workshops Commercial Document Preparation for Beginners April 30 | Harper College, Schaumburg November 5 | Capital City Training Center, Springfield A beginner’s course focusing on how to use LaserPro to produce commercial documentation. It is important to continually enhance your skills and ensure that you are using LaserPro to its fullest capacity. Audience Individuals responsible for preparing Commercial Real Estate loan documents

Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

Consumer Real Estate for Beginners

Seminars Credit Analysis Basics March 20 | Scheels Training Center, Springfield March 21 | Lewis University, Oak Brook Traditionally, lenders have faced credit risk in the form of default by borrowers, and to this date remains a major concern. The more they know about the creditworthiness of a potential borrower, the greater the chance they can maximize profits, increase market share, minimize risk, and reduce the financial provision that must be made for bad debt. This program provides fundamental understanding of the credit analysis process and discusses in detail, various aspects of financial statement analysis, including ratio and cash flow analysis, among others to help in making better credit-related decisions.

May 1 | Harper College, Schaumburg November 6 | Capital City Training Center, Springfield A beginner’s course focusing on how to use LaserPro® to produce Consumer Real Estate documentation. It is important to continually enhance your skills and ensure that you are using LaserPro® to its fullest capacity. Recent revisions to regulatory requirements have resulted in substantial changes to LaserPro® Audience Individuals responsible for preparing Consumer Real Estate loan documents.

LaserPro: Tips, Shortcuts and Best Practices May 2 | Harper College, Schaumburg November 6 | Capital City Training Center, Springfield

$249 M / $419 NM

Uncovers some of the unique features of LaserPro, reviews program features and allow participants to interact with each other to discuss best practices. Provides hands-on training for a loan processor who have a good working knowledge of the program.

Fundamentals of Ag Financing

Audience Individuals responsible for creating loan documents.

April 24 | Scheels Training Center, Springfield April 25 | Grand Bear Lodge, Utica This program provides an overview of trends in agricultural economics, includes three case studies on cash to accrual income analysis and credit analysis. The program also covers key ratios in agricultural credit analysis and methods for managing the agricultural loan relationship.

Instructor Brian Bayman, Finastra $449 M/$599 NM per workshop Each program limited to 12 registrants.

$249 M / $419 NM

Basic Personal & Business Tax Return Analysis April 25 | Scheels Training Center, Springfield April 26 | Lewis University, Oak Brook $249 M / $419 NM

Commercial Lending Workshop May 29-30 | Lewis University, Oak Brook September 26-27 | IBA Training Center, Springfield

Commercial Real Estate Lending Workshop June 12 | Lewis University, Oak Brook

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ABA Training Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

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. $550 M/$675 NM

Start Dates – 7/29/19

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. $550 M/$675 NM

Start Date – TBA

The Mortgage Lending Business An overview of the mortgage lending business, including mortgage banker, broker, and lender business models; the role of government and agencies like Federal Housing Administration and the Veteran’s Administration programs; other key players like Fannie Mae and Freddie Mac; important real estate laws; and the basics of real estate investing. 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. $300 M/$375 NM

Start Date – 4/8/19

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

Consumer Lending

$150 M/$200 NM

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.

Analyzing Personal Financial Statements & Tax Returns

Audience Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit. $500 M/$650 NM

Start Date – 6/24/19

Fundamentals of Mortgage Lending 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. $300 M/$375 NM

Start Date – 6/17/19

Introduction to Agricultural Lending

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 $150 M/$200 NM

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.

Designed to provide students with a basic overview of the agricultural lending function. This course will help students have a fundamental understanding of the role of agriculture and agricultural lending in the financial services industry.

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.

Produced by the Schools of Banking, Inc., a jointly-owned subsidiary of the Kansas and Nebraska Bankers Associations.

$95 M/$130 NM

Audience Those new to agricultural lending or with limited experience. $475 M/$575 NM

Start Dates – 2/25/19, 7/15/19

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ONLINE SELF-PACED 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. $720 M/$1,440 NM

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. $95 M/$130 NM

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.

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 All 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.) $95 M/$130 NM

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 responsible for reviewing financial statements for the purpose of assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis. $95 M/$130 NM

The Lending Decision Process Produced by the Risk Management Association (RMA) This series will give 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

$55 M/$75 NM

There are 17 courses included in the complete series. Approximate time to complete the curriculum is between 35 to 50 hours.

Fundamentals of Small Business Banking Suite

Audience Loan trainees, credit analysts, and anyone with commercial lending authority.

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.

$720 M/$1,440 NM

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 $150 M/$200 NM

$95 M/$130 NM

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ONLINE SELF-PACED 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.

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 $150 M/$200 NM

Audience All bank Mortgage loan originators (MLOs) who have completed the federal and state requirements for mortgage originators.

CERTIFICATES

Note: Only MLOs can prequalify customers for a mortgage and take mortgage applications. The CFPB's Loan Originator Rule greatly expands the S.A.F.E. Act definition of "loan originator" and requires certain loan origination activities be performed only by loan originators.

Certificate in Business and Commercial Lending

$95 M/$130 NM

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. $95 M/$130 NM

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 $150 M/$200 NM

This 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 The estimated time to complete is approximately 33 hours. ▪ Understanding Business Borrowers (5 courses) ▪ Analyzing Business Financial Statements and Tax Return (6 courses) ▪ Analyzing Personal Financial Statements and Tax Return (4 courses) ▪ Qualitative Analysis and Determining a Credit Risk Rating (4 courses) ▪ Loan Structuring, Documentation, Pricing and Problem Loans (5 courses) $600 M/$875 NM

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. Required Courses The estimated time to complete these 15 courses and exercises is approximately 18 hours. Students have access to the curriculum for 1 year from date of purchase.

Audience Bank personnel responsible for managing small business relationships with responsibilities for referring and/or selling retirement services and products.

▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

$95 M/$130 NM

$595 M/$795 NM

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.

Calling on Small Business Customers Credit Products for Small Businesses Deposit Products and Services for Small Businesses Fundamentals of Small Business Banking Suite (2 courses) Introduction to Analyzing Financial Statements Personal Tax Return Analysis Relationship Selling to Small Business Customers Retirement Products for Small Businesses Sales Planning Suite (3 courses + 1 exercise) Servicing and Growing Small Business Relationships Small Business Borrowing

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 Bank personnel 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. $95 M/$130 NM

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CERTIFICATES 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) ▪ Elements of Title Insurance* ▪ 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* ▪ Optional: Completing the HUD-1 For Loans Not Covered Under TRID* *These courses are offered through a partnership with AllRegs, a leader in residential mortgage lending. $775 M/$985 NM

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Updated February 12, 2019

Human Resources Conferences

ABA Training

The ONE Conference: Building Your Game Plan

Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

February 28-March 1 | Embassy Suites, East Peoria The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations.

ONLINE SELF-PACED | ONBOARDING Ethical Issues for Bankers

Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

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.

School

Audience Bank personnel at all levels.

GSB Human Resource Management School April 7-12, 2019 | Madison, WI Enrollment Deadline: March 7 | Program Overview and Registration Today's successful human resource professional in the financial services industry needs a clear understanding of critical human resource issues as well as a working knowledge of the business of banking. From recruitment to selection, performance management to career development, the human resource function has a direct impact on a financial institution's productivity and bottom-line results. Whether you're a veteran HR professional or a newcomer to the HR management field, this information-packed school will provide you with an abundance of take-away material. CEOs and other senior managers are also encouraged to attend to gain a better understanding of how the bank's HR function is a key element in bottom-line profitability. One Scholarship Available to IBA Member Banks Apply Now

Forum Human Resources Forum Fall 2019 | More Details Coming Soon! Designed to provide HR officers, executives and others overseeing HR functions within their financial institutions an opportunity to share ideas, information, and challenges with fellow human resource officers. Expect a lively, open discussion on employment issues facilitated by the legal and human resource experts. The valuable peer-to-peer interaction is provided at each meeting.

$55 M/$75 NM

ONLINE SELF-PACED | COMMUNICATION Communication Basics Suite This suite explores the primary elements of effective communications, key in delivering good customer service. Completing this suite provides tips for becoming an active listener, developing effective questioning, and understanding body language. Concise, impactful lessons can be applied on the job immediately. 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. $55 M/$75 NM

Online Communication Suite This 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. $55 M/$75 NM

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 Audience Any bank employee who makes stand-up and virtual presentations for internal and external bank and client meetings and community groups. $95 M/$130 NM

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ONLINE SELF-PACED | COMMUNICATION Verbal Communication 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. 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. $55 M/$75 NM

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. Concise, impactful lessons can be applied on the job immediately. 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. $55 M/$75 NM

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. $95 M/$130 NM

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.

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. Courses ▪ Authentic Leadership ▪ Building Collaborative Teams ▪ Communicating Vision ▪ 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. $195 M/$275 NM

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. $95 M/$130 NM

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. $275 M/$375 NM

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 $95 M/$130 NM

$95 M/$130 NM

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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. $95 M/$130 NM

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. $95 M/$130 NM

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. Students should have a working knowledge of their institution's products and services. $95 M/$130 NM

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. $95 M/$130 NM

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. $95 M/$130 NM

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Graduates Receive a GSB Diploma Plus a Certificate of

EXECUTIVE LEADERSHIP FROM WISCONSIN SCHOOL OF BUSINESS

For 75 years, the Graduate School of Banking at the University of Wisconsin-Madison has been an exceptional banking school— and it has grown into a powerful leadership program. Through an agreement with the Wisconsin School of Business’ Center for Professional and Executive Development, our graduates receive a Certificate of Executive Leadership from the Wisconsin School of Business. GSB’s outstanding program, as recognized by one of the nation’s premier business schools, offers leadership-focused courses and relevant real-world projects including: •C  omprehensive Leadership Skills Inventory—with analysis and feedback from a certified LSI consultant • L eading Beyond Managing • Industry Focused Strategic Thinking • Competitive Advantage •P  erformance Management •A  uthentic Leadership •T  alent Management and Succession •O  rganizational Culture—including a robust cultural assessment tool •D  iversity and Inclusion • Inspirational Leadership •B  usiness Ethics •F  iSim—GSB’s updated capstone course offers the most robust simulation anywhere

Exceptional Curriculum and Real-World Projects Develop Today’s Banking Leaders Those who graduated from GSB prior to 2017 also have the opportunity to receive this prestigious certificate by completing two additional multi-day courses through the Wisconsin School of Business. Contact GSB for details.

The 2019 session will be held July 28 - August 9; the deadline to apply is June 1. Early applications are strongly encouraged as space is limited. Visit gsb.org today to learn more about this life-and-career changing leadership development opportunity.

Educating Professionals, Creating Leaders

Sponsored by:

gsb.org


Updated February 12, 2019

Management & Leadership Conferences

Forum

The ONE Conference: Building Your Game Plan

Small Bank CEO Forum

February 28-March 1 | Embassy Suites, East Peoria

May 22, August 14, November 13 | Nashville IL May 23, August 15, November 14 | Bloomington

The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations. Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

Women’s Leadership Symposium

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.

Director Programs

March 19 | Hilton Oak Brook Hills Resort, Oak Brook

Directors Education Series

Are you considered a leader in your organization? Do you seek out ideas and opportunities to help you reach your goals? Are you looking to build your network of financial industry contacts? You BELONG at our inaugural Women’s Leadership Symposium! Join your peers for this educational and inspirational program followed by a networking reception.

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:

$59

Annual Conference and Trade Show June 23-25 | JW Marriott Austin, TX

Women in Banking Conference September 24-25 | Crowne Plaza, Springfield

BankTech Conference October 2 | Hyatt Regency Lisle

Midwest Bank Leaders Conference November 6 | Hyatt Regency Lisle

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

Bank Director Training

Schools Graduate School of Banking July 28 - August 9 | University of Wisconsin – Madison, Madison, WI Enrollment Deadline: June 1

Program Overview & Registration

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.

GSB students acquire a broad knowledge and understanding of major bank functions and their interrelationships and develop the skills required to lead and manage effectively. The school's curriculum reflects the contemporary trends impacting the financial services industry. Core courses address broad areas of finance, marketing, management and the environment in which banks operate while elective courses allow students to customize their learning experience. Graduates of the GSB program also receive the prestigious Certificate of Executive Leadership from the Wisconsin School of Business Professional and Executive Development -- the highest level certificate they offer.

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

Watch a free preview of the Graduate School - CLICK HERE

Audience For members of a bank's board of directors.

Two Scholarships Available to IBA Member Banks Apply Now

$695

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ABA Training Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

ONLINE SELF-PACED 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. $95 M/$130 NM

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.

ONLINE SELF-PACED | MANAGEMENT & EARLY LEADERSHIP SKILLS 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. $275 M/$375 NM

Sexual and Workplace Harassment for Managers

Audience Any employee that leads a work team on a full or part-time basis.

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.

$95 M/$130 NM

Audience All employees with supervisory responsibilities

Leadership in Action Suite

$95 M/$130 NM

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. Courses ▪ Authentic Leadership ▪ Building Collaborative Teams ▪ Communicating Vision ▪ 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. $195 M/$275 NM

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.

CERTIFICATES 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: 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.

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

$95 M/$130 NM

$2,165 M/$2,895 NM

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2019 Scholarships Exclusive to IBA Members

Graduate School of Banking Human Resource Management School April 7-12 | University of Wisconsin − Madison One Scholarship Awarded

Graduate School of Banking July 28 - August 9 | University of Wisconsin − Madison Two Scholarships Awarded

ABA Stonier Graduate School of Banking June 6-13 | University of Pennsylvania, Philadelphia One Scholarship Awarded

Apply online at ilbanker.com.

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


Updated February 12, 2019

Marketing & Sales Conferences

Forum

The ONE Conference: Building Your Game Plan

Marketing Forum

February 28-March 1 | Embassy Suites, East Peoria

May 15 and November 13 | LKCS Office, Peru May 16 and November 14 | IBA Training Center, Springfield

The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations. Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

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.

School

ABA Training

GSB Sales and Marketing School

Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

September 29 - October 4 Fluno Center for Executive Education, Madison, WI

ONLINE INSTRUCTOR-LED

Enrollment Deadline: August 29 Program Overview and Registration There are schools and conferences focused on marketing. Others target sales. GSB’s innovative School of Sales and Marketing integrates these two vital disciplines into one practical, dynamic week. Designed by bankers and those with in depth knowledge of our industry, this program pinpoints key marketing and sales activities from the customer experience and branding to prospecting, sales management and the ROI of marketing and sales action plans. Audience Veteran marketing/sales officers as well as those newly promoted or new to banking will benefit from this powerful program. Community bank CEOs, regional sales managers, retail managers and business banking professionals also gain a better understanding of the marketing and sales synergies needed to be competitive in 2018 and beyond.

Seminars The Emerging Consumer & How to Bank Them April 2 | Lewis University, Oak Brook April 3 | IBA Training Center, Springfield

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. 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. $300 M/$375 NM

Start Dates – 6/3/19

Marketing Management 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. Start Dates –3/25/19, 8/26/19

This program will consider influences, behaviors and how, collectively, they impact a bank’s strategy to acquire and retain those consumers.

$300 M/$375 NM

Audience Anyone who is responsible for marketing, business development or product development for a bank

Marketing Planning

Instructor Joe Sullivan, CEO and Founder, Market Insights Fees $249 Member / $419 Nonmember

Getting Noticed in an Over-Banked Market

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.

September 24 | IBA Training Center, Springfield September 25 | Lewis University, Oak Brook

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.

$249 M/$419 NM

$300 M/$375 NM

Start Dates – 2/19/19, 7/15/19

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ONLINE SELF-PACED

CERTIFICATES

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.

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.

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. $55 M/$75 NM

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 For bank marketing professionals looking to enhance their skills in social media channels, for marketing professionals new to the banking industry, or for staff with a marketing responsibility at a bank with limited marketing resources. $529 M/$829 NM

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 own pace. Each course is 15-75 minutes in length. ▪ Marketing in a Digital World ▪ Search Engine Optimization ▪ Build Your Campaign ▪ Find Your Audience ▪ 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. $1,195 M/$1,795 NM

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Operations & Technology Conferences

GSB Bank Technology Management School

The ONE Conference: Building Your Game Plan

Enrollment Deadline: February 28

February 28-March 1 | Embassy Suites, East Peoria

This state-of-the-art program will broaden your understanding of the business of banking including key drivers of bank profitability, along with an in depth and interactive study of information technology management.

The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations. Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

Schools Operations School May 21-23 | Lewis University, Oak Brook October 1-3 | IBA Training Center, Springfield Back-room operations represent the most important core function of any financial institution. In order for a bank to run its operations effectively, reduce costs and decrease transaction error, its staff needs to be well versed in the fundamental and key principles governing bank operations. This school provides a comprehensive framework to examine the operations that support bank services while incorporating industry best practices. Agenda Program 1 ▪ Understanding Payment Systems ▪ Operations Training and Supervision ▪ Operational Compliance Issues Program 2 ▪ Cybersecurity Hot Topics ▪ Disaster Recovery & Business Continuity Planning ▪ Third Party Risk Management ▪ New Technologies ▪ New Regulatory Cyber Guidance Program 3 ▪ Analyzing & Understanding Your Bank’s Statement of Condition ▪ Internal Controls and Practices

March 31-April 5 | Fluno Center for Executive Education, Madison, WI Program Overview & Registration

Audience Whether you're a veteran IT professional or new to the IT management field, this powerful program will give you the skills and knowledge to effectively manage your bank's IT function. CEOs and other senior managers are also encouraged to attend to gain a better understanding of how the bank's IT function is a key element in bottom-line profitability.

GSB Bank Technology Security School October 6-11 | Fluno Center for Executive Education, Madison, WI Enrollment Deadline: September 6

Program Overview & Registration

This state-of-the-art program will broaden your understanding of the business of banking including key drivers of bank profitability, along with an in depth, interactive and hands-on study of the latest IT security techniques and strategies. Audience Whether you're a veteran Information Security Officer or new to the IT security field, this powerful program will give you the skills and knowledge to effectively secure your bank's and your customers' most sensitive information.

Forum Technology and Operations Forum IBA Members Only April 12, August 16, November 15 | Bloomington 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.

Audience Bankers who are involved in and/or manage operational functions in their bank are encouraged to attend. The school is ideal for operations officers and heads of operations, branch managers, cashiers and assistant cashiers, bookkeeping supervisors, and teller supervisors and head tellers.

ABA Training

Instructors Tim Tedrick, Mark Scholl and Sara Mikuta, Partners, Wipfli LLP

ONLINE SELF-PACED

Fees Full Series $689 M/$1,169 NM Individual Program $249 M/$419 NM

Payments System Training Suite

Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

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. $495 M/$645 NM

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Develop a New Generation of Bankers

In today’s banking industry, choosing and developing your new talent matters. Providing effective onboarding and ongoing professional development is increasingly important to your employees’ performance and ultimately, your bank’s bottom line. Enter Banking Fundamentals—an online suite of learning communities that teach the principles of banking in a convenient, virtual format. Designed to educate, develop and engage new employees in a connected, collaborative, social and online environment, with the coaching and guidance of experts.

Banking Fundamentals At-a-Glance • Featuring industry-leading content and skilled banking instructors, so learners gain an understanding of the context of their role. • A suite of three, innovative learning experiences that explore the complex principles of banking through peer collaboration, in-depth discussions, realworld assignments and engaging multi-media resources. • Continuous engagement and collaboration, with access anytime, anywhere, from the comfort of their own computer or device. Each course takes roughly five weeks to complete at a pace of two to three hours per week.

ilbanker.com | 312-347-3400 | dperez@ilbanker.com


Updated February 12, 2019

Retail Banking Conferences

Seminars

The ONE Conference: Building Your Game Plan

IRA Essentials

February 28-March 1 | Embassy Suites, East Peoria

April 17 | IBA Training Center, Springfield October 30 | Lewis University, Oak Brook

The ONE features eight educational tracks, 39 informative sessions, an engaging trade show, and ample networking opportunities. Educational tracks include bank marketing, financial management, human resources, leadership development, relationship management, retail banking, risk management and technology and operations. Full Conference Fee $325 M/$475 NM Day Pass $200 M/$350 NM

Series Universal Banker Certification Series

This seminar 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. Instructor Ascensus Representative Fees $249 Member / $419 Nonmember

February 12-13, March 26-27 | IBA Training Center, Springfield This comprehensive, four-day series for beginning and new community bankers emphasizes delivering the ultimate customer experience. The goal is to streamline work processes to make banking fun for employees and customers resulting in the optimal bank of the future. Each program features group discussion and problem solving, fresh ideas, and an actionable case study. Join your peers for The Universal Banker Certification Series and take customer service to a higher level. Audience Bankers from any department in the bank – whether new hires, beginning bankers, or bankers with years of experience. They are the emerging bankers who want to become qualified to move forward in the organization. Instructor Jennie Sobecki, Owner, Focused Results, LLC Fees $949 M/$1,449 NM

2019 Branch Management Series July 9-10, October 22-23 | Lewis University, Oak Brook This four-part series focuses on the next generation manager who will be leading the transition to customer relationship management and the skills that need to be developed to ensure their expectations are exceeded. Participants will engage in discussions, small group activities, and skills practices to make sure ideas are shared and learning is entertaining and practical. Audience Designed for retail managers, branch managers, assistant branch managers, branch manager candidates and anyone responsible for the direction and development of a retail branch. Instructor Dianne Barton, President, Performance Solutions, inc. (PSi) Fees $899 Member / $1,499 Nonmember

Advanced IRAs April 18 | IBA Training Center, Springfield October 31 | Lewis University, Oak Brook This seminar 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 real-world 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 Instructor Ascensus Representative Fees $249 Member / $419 Nonmember

New Accounts in Illinois April 23 | IBA Training Center, Springfield April 24 | Lewis University, Oak Brook 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. Continuing Education Credits CRCM 6.75 | CPE 7 Audience Tellers, head tellers, branch managers and administrators, new accounts representatives, compliance officers, training staff and others who manage or work the front line. Instructor Robin Guthridge, Senior Manager of Compliance, Wipfli LLP $249 M/$449 NM

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Money and Banking

Seminars Business Development Workshop October 24-25 | Lewis University, Oak Brook Having an effective and focused business development program is the key to the success of any bank’s growth. This program is designed to provide the foundational systems and develop the skills needed to establish and maintain such a program.

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.

Audience This seminar benefits anyone involved in the planning or execution of the bank’s business-development plan, including loan officers, branch managers, trust officers, and retail banking employees.

$510 M/$656 NM

Instructor Dianne Barton, President, Performance Solutions, inc. (PSi)

ONLINE SELF-PACED | ONBOARDING

Start Dates – 6/24/19

Fees $489 Member / $889 Nonmember

Banking Basics Suite Branch Srategy Rethink October 23 | Springfield October 24 | Lewis University, Oak Brook $249 M/ $419 NM

ABA Training Questions on ABA Training? View more information online or 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: 3/4/19, 5/6/19, 6/24/19 ▪ Bank Lines of Business Start Dates: 3/18/19, 5/20/19, 7/22/19 ▪ Building Customer Relationships Start Dates: 4/1/19, 6/3/19, 8/5/19

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. $595 M/$795 NM Full Suite

Courses also available individually.

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. $595 M/$795 NM Full Suite

$215 M/$285 NM 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 $600 M/$725 NM

Start Dates – 3/18/19, 7/22/19

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ONLINE SELF-PACED | ONBOARDING

ONLINE SELF-PACED | COMMUNICATION

Basic Bank Training for Veterans

Communication Basics Suite

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.

This suite explores the primary elements of effective communications, key in delivering good customer service. Completing this suite provides tips for becoming an active listener, developing effective questioning, and understanding body language. Concise, impactful lessons can be applied on the job immediately.

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. $55 M/$75 NM

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 $150 M/$200 NM

Understanding Bank Products 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.

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. $55 M/$75 NM

Online Communication Suite This 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. $55 M/$75 NM

Presentation Skills Suite 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. Concise, impactful lessons can be applied on the job immediately. 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. $95 M/$130 NM

Verbal Communication 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. 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. $55 M/$75 NM

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. $95 M/$130 NM

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ONLINE SELF-PACED | COMMUNICATION 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. Concise, impactful lessons can be applied on the job immediately. 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. $55 M/$75 NM

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. Concise, impactful lessons can be applied on the job immediately. 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.

Selling in a Social World The Internet has changed the way consumer and financial products are sold. You need more effective and efficient strategies to extend your reach, find new prospects, stay top of mind and drive new business. These expertled, 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. $129 M/$179 NM

Tele-Consulting Curriculum Part 1 - Planning the Call Provides a planning strategy for professional bankers to prepare to make calls to clients. This course focuses on client profiles that are specific to each client or order to evaluate sales potentials. To keep the reason for the calls focused and to make clients feel at ease from the start, this course explores the importance of creating call objectives, scripted introductions and questions. 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. This course explores appropriate ways to close the sale using the assumptive close, and six tips for using a system to follow up with clients. Audience Banking professionals who are familiar with the basic sales cycle and who need to plan outbound telephone service and sales contacts with an assigned customer portfolio. $95 M/$130 NM

$55 M/$75 NM

ONLINE SELF-PACED CONSUMER BANKING ESSENTIALS

Essential Selling Skills Bundle

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. Concise, impactful lessons can be applied on the job immediately.

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.

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 who are responsible for discussing or selling consumer credit products

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

$95 M/$130 NM

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. $95 M/$130 NM

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ONLINE SELF-PACED CONSUMER BANKING ESSENTIALS 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.

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 are in a position to identify referral opportunities to trust specialists. $95 M/$130 NM

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.)

Why Quality Customer Service Matters Suite

$95 M/$130 NM

Courses ▪ The Importance of Customer Service ▪ Customer Service Basics ▪ The Importance of Communication ▪ Handling Stress ▪ Handling Upset Clients

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.

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.

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

$95 M/$130 NM

ONLINE SELF-PACED | MANAGEMENT & EARLY LEADERSHIP SKILLS

Personal Tax Return Analysis

Employment Law

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. $95 M/$130 NM

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. $95 M/$130 NM

Improving Productivity

ONLINE SELF-PACED CUSTOMER SERVICE SKILLS 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.

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. $95 M/$130 NM

$95 M/$130 NM

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 are in a position to identify referral opportunities to licensed specialists. $95 M/$130 NM

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ONLINE SELF-PACED | MANAGEMENT & EARLY LEADERSHIP SKILLS

ONLINE SELF-PACED SMALL BUSINESS BANKING ESSENTIALS

Leadership in Action Suite

Calling on Small Business Customers

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.

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.

Courses ▪ Authentic Leadership ▪ Building Collaborative Teams ▪ Communicating Vision ▪ Empowerment ▪ Managing Change

$95 M/$130 NM

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

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

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. $95 M/$130 NM

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

Audience Bank personnel new to the small business market and who are responsible for providing services to small business customers.

$95 M/$130 NM

$95 M/$130 NM

Management Essentials Suite

Fundamentals of Small Business Banking 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. $275 M/$375 NM

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 $95 M/$130 NM

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. $95 M/$130 NM

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 the purpose of assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis. $95 M/$130 NM

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ONLINE SELF-PACED SMALL BUSINESS BANKING ESSENTIALS

ONLINE SELF-PACED WORKPLACE ESSENTIALS

Relationship Selling to Small Business Customers

Dealing Effectively with Co-Workers

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.

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 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. $95 M/$130 NM

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. $95 M/$130 NM

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. $95 M/$130 NM

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. $95 M/$130 NM

Audience Bank personnel at all levels. $95 M/$130 NM

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. $95 M/$130 NM

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. Students should have a working knowledge of their institution's products and services. $95 M/$130 NM

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. $95 M/$130 NM

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. $95 M/$130 NM

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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 $495 M/$695 NM

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) $695 M/$995 NM

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) $1,295 M/$1,595 NM

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) $795 M/$995 NM

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CERTIFICATES 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 OnlineThis course is approx. 25 minutes in length. ▪ Ethical Issues for Bankers

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) $795 M/$995 NM

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) $895 M/$1,095 NM

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) $795 M/$995 NM

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Wealth Management ABA Training Questions on ABA Training? View more information online or connect with Denise Perez at dperez@ilbanker.com or 312-347-3400.

Prudent Portfolio Management Stock Selection and Analysis

FINANCIAL PLANNING

ONLINE SELF-PACED ESTATE PLANNING & TRUST ACTIVITIES

$175 M/$225 NM per course (unless otherwise noted)

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. $175 M/$225 NM per course (unless otherwise noted)

Estate Planning for IRAs and Qualified Plan Balances

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 $95 M/$130 NM Minimizing Fiduciary Risk and Litigation Special Needs Trusts

Education Planning Solutions for Minors

Fundamentals of Life Insurance A Guide to Ethics in Financial Planning $95 M/$130 NM Income Tax Planning Introduction to IRAs $95 M/$130 NM Introduction to Planning for Retirement Assets Managing Life Insurance Policies Types of Insurance

TRUST FUNDAMENTALS 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 Introduction to Estate Planning Introduction to Investment Management Introduction to Trust Administration

TAX LAW & TAX PLANNING

ONLINE INSTRUCTOR-LED TRUST FUNDAMENTALS

$175 M/$225 NM per course (unless otherwise noted)

Basic Administrative Duties of a Trustee

Fiduciary Income Tax

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

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

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. $300 M/$375 NM

INVESTMENT PLANNING $175 M/$225 NM per course (unless otherwise noted) Asset Allocation and Portfolio Management Bond Selection and Analysis Economics & Markets

Start Dates – 4/15/19, 8/5/19

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 for Basic Administrative Duties of a Trustee

Investment Policy

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.

Investment Products

$300 M/$375 NM

Fundamentals of Alternate Investment Products A Guide to Ethics in Investments $95 M/$130 NM

Start Dates – 2/25/19, 6/17/19

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ONLINE INSTRUCTOR-LED TRUST FUNDAMENTALS (CONTINUED) 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. $1,595 M/$1,795 NM

Start Dates – 2/25/19, 9/2/19

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. The Certified Trust and Financial Advisor (CTFA) is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts. $1,125 M/$1,475 NM

Start Dates – 2/19/19, 8/5/19

CERTIFICATES Certificate in Trust: Foundational Strengthen or establish your understanding of basic wealth management and trust principles, either online or in-person. Either option provides an introduction to estate planning, trust administration, investment management concepts, and ethical behavior. For those wishing to earn the CTFA designation, the ABA Certificate in Trust: Foundational satisfies the first of three levels of study required to sit for the exam. Required Courses The estimated time to complete is approximately 10 hours. ▪ A Guide to Ethics in Fiduciary and Trust Activities ▪ A Guide to Ethics in Investments ▪ Estate and Guardian Administration ▪ Introduction to Estate Planning ▪ Introduction to Investment Management ▪ Introduction to IRAs ▪ Introduction to Planning for Retirement Assets ▪ Introduction to Trust Administration ▪ Minimizing Fiduciary Risk and Litigation

Certificate in Trust: Intermediate Ideal for individuals with some field experience who have mastered the concepts introduced in the foundational trust certificate, either online or in-person. Learn the tools available to a fiduciary, such as estate planning, trust administration, investment management concepts and ethical behavior. for those wishing to earn the CTFA professional designation, the ABA Certificate in Trust: Intermediate satisfies the second of three levels of study required to sit for the exam. Required Courses The estimated time to complete is approximately 18 hours. ▪ A Guide to Ethics in Financial Planning ▪ A Guide to Ethics in Tax Law & Tax Planning ▪ Account Acceptance and Termination ▪ Basic Characteristics of a Trust ▪ Bond Selection and Analysis ▪ Discretionary Distributions ▪ Duties and Powers of the Trustee ▪ Estate Planning to Achieve Client Goals ▪ Fiduciary Income Tax ▪ Fiduciary Law ▪ Fundamentals of Life Insurance ▪ How Trusts are Taxed ▪ Investment Policy ▪ Investment Products ▪ Stock Selection and Analysis ▪ Types of Insurance ▪ Understanding Transfer Tax $2,295 M/$3,095 NM

Certificate in Trust: Advanced For the experienced professional, our online program gives an in-depth understanding of the fiduciary role. Learn to propose sophisticated solutions to complex client situations on topics like estate planning, trust administration, investment management, and ethics. For those wishing to earn the CTFA professional designation, the ABA Certificate in Trust: Advanced satisfies the third of three levels of study required to sit for the exam. Required Courses The estimated time to complete is approximately 14 hours. ▪ Asset Allocation and Portfolio Management ▪ Economics & Markets ▪ Education Planning Solutions for Minors ▪ Estate Planning for Charitable Giving ▪ Estate Planning for IRAs and Qualified Plan Balances ▪ Estate Planning for the Marital Deduction ▪ Estate Planning Solutions for the Business Owner ▪ Fundamentals of Alternative Investment Products ▪ Generation-Skipping Transfer Tax ▪ Gift Taxation ▪ Income Tax Planning ▪ Managing Life Insurance Policies ▪ Planning for Estate Tax ▪ Prudent Portfolio Management ▪ Special Needs Trusts $2,295 M/$3,095 NM

$1,495 M/$1,995 NM

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CERTIFICATES

Resources

Health Savings Account (HSA) Expert Certificate

Wealth Advisory and Personal Trust Series

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.

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.

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. Audience Operations, sales, marketing, product design, compliance, and human resources. Also appropriate for bank affiliates and partners, such as health insurance brokers, financial advisors, and financial planners. $795 M/$1,095 NM

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 $165 M/$225 NM Each

$575 M/$775 NM Full Series

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Special Events

ABA Textbooks support the ABA curriculum and cover a wide

Spring Law Review

Bank Security

March 11 | Springfield

Economic Investment Day March 12 | Springfield

variety of subjects in banking and financial services.

These publications are offered by the National Association for Bank Security in cooperation with Profit Protection, Inc. and the IBA. Manuals, pamphlets and videos are available to on a wide range of bank security topics from bank robbery to BSA. To order, call 800-390-6227. View the manuals, pamphlets and videos »

Spring Golf Outing May 6 | St. Clair Country Club, Belleville

IBA Compliance Connection® Fall Golf Outing September 9 | Pekin Country Club

Chicago Chapter Breakfast December 5| Lisle

Bank Counsel Conference December 6 | Renaissance Chicago Downtown Hotel

Resources & Publications 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. The 2013/2014 edition is current as of 2018. $249 M/$399 NM

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 $85 M/$125 NM

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

Basic Banking Guide (Spanish Only) Available to enhance or help you to establish a financial literacy program within your bank. Includes information on how to open an account, deposit money, write a check and much more. $2.50 M/$3.75 NM

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. The magazine is a bi-monthly publication. $90 Annual Subscription

Legal Closing Signs (English/Spanish)

Illinois bankers are constantly challenged with new laws, regulations, enforcement trends and other pressing compliance concerns. Now they have an exciting resource to help them — IBA Compliance Connection® — a free website for all employees of IBA member banks that will quickly become your “go to” source for Illinois banking compliance information, guidance and support — each and 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 ▪ Nearly 3,000 (and growing!) original IBA Q&As, together with relevant articles, court decisions, and more ▪ A growing Forms Library with sample policies, procedures, checklists, worksheets and other forms ▪ A Forum for group discussions among compliance officers ▪ A Law Resource Library compiling the best legal resources on the internet ▪ The latest in Compliance News, with daily updates from the IBA Law Department ▪ 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 of 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 has the ability to 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 or to order, call 217-789-9340 or visit ilbanker.com.

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. Each set includes 10 signs for the legal holiday schedule for banks in Illinois. $25.95 M/$35.95 per set

Illinois Bankers Association

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Updated February 12, 2019

Index A A Guide to Ethics in Fiduciary and Trust Activities ........................ 32 A Guide to Ethics in Financial Planning ........................................... 32 A Guide to Ethics in Investments ...................................................... 32 A Guide to Ethics in Tax Law and Tax Planning ............................. 32 ABA Textbooks .................................................................................... 35 Account Acceptance and Termination ............................................. 32 ACH Exception Handling ...................................................................... 4 Advanced BSA/AML Academy ............................................................. 5 Advanced IRAs ..................................................................................... 23 Analyzing Bank Performance............................................................... 3 Analyzing Business Financial Statements and Tax Returns ......... 11 Analyzing Financial Statements ........................................................ 11 Analyzing Personal Financial Statements and Tax Returns.......... 11 Annual Conference and Trade Show ................................................ 18 Asset Allocation and Portfolio Management ................................... 32

B Bank Counsel Conference .................................................................. 35 Bank Director Training ........................................................................ 18 Bank Marketing: Building Customer Relationships........................ 21 Bank Security ....................................................................................... 35 Bank Solutions Provider Certificate .................................................. 30 Bank Teller Certificate ......................................................................... 30 Banking Basics Suite .......................................................................... 24 Banking Fundamentals ....................................................................... 24 BankTech Conference ......................................................................... 18 Basic Administrative Duties of a Trustee ......................................... 32 Basic Bank Training for Veterans ...................................................... 25 Basic Banking Guide ........................................................................... 35 Basic Characteristics of a Trust ........................................................ 32 Basic Personal & Business Tax Return Analysis ........................... 10 Bond Selection and Analysis ............................................................. 32 Branch Management Series ............................................................... 23 Branch Manager Certificate ................................................................ 30 Branch Srategy Rethink ...................................................................... 24 BSA Forum ............................................................................................. 5 BSA/AML Bootcamp .............................................................................. 5 Business Development Workshop .................................................... 24

C Calling on Small Business Customers ............................................. 28 Certificate in Bank Financial Management................................... 3, 19

Certificate in BSA and AML Compliance............................................ 7 Certificate in Business and Commercial Lending .......................... 13 Certificate in Deposit Compliance ...................................................... 7 Certificate in Fraud Prevention............................................................ 7 Certificate in General Banking........................................................... 31 Certificate in Lending Compliance ...................................................... 8 Certificate in Operational Risk Management ..................................... 8 Certificate in Risk Management Frameworks .................................... 8 Certificate in Trust: Advanced ........................................................... 33 Certificate in Trust: Foundational ..................................................... 33 Certificate in Trust: Intermediate....................................................... 33 CFO Forum ............................................................................................. 3 Check Exceptions – Returns & Adjustments .................................... 5 Check Fundamentals & Processing.................................................... 5 Chicago Chapter Breakfast ................................................................ 35 Coaching to Support the Sales Process Suite ................................ 26 Commercial Document Preparation for Beginners ........................ 10 Commercial Lending ........................................................................... 11 Commercial Lending Workshop ........................................................ 10 Commercial Real Estate Lending Decision Process ...................... 12 Commercial Real Estate Lending Workshop ................................... 10 Communication Basics Suite ....................................................... 15, 25 Compliance Conference ....................................................................... 4 Compliance Training for Bank Boards ............................................... 6 Consumer Credit Products ................................................................ 26 Consumer Lending .............................................................................. 11 Consumer Real Estate for Beginners ............................................... 10 CRCM Exam Online Prep ...................................................................... 6 Credit Analysis Basics........................................................................ 10 Credit Products for Small Businesses ........................................ 11, 28 CTFA Exam Online Prep ..................................................................... 33 Customer Service Representative Certificate ................................. 30

D Dealing Effectively with Co-Workers ........................................... 17, 29 Deposit Products and Services for Small Businesses ............. 12, 28 Directors Education Series ................................................................ 18 Discretionary Distributions ................................................................ 32 Duties and Powers of the Trustee ..................................................... 32

E Economic Investment Day ................................................................. 35 Economics & Markets ......................................................................... 32 Education Planning Solutions for Minors ........................................ 32 Effective Referrals Suite ..................................................................... 12 Employment Law ...................................................................... 16, 19, 27 Essential Selling Skills Bundle .......................................................... 26

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Essentials of Workplace Conduct ............................................... 17, 29 Estate and Guardian Administration ................................................. 32 Estate Planning for Charitable Giving .............................................. 32 Estate Planning for IRAs and Qualified Plan Balances .................. 32 Estate Planning for the Marital Deduction ....................................... 32 Estate Planning Solutions for the Business Owner........................ 32 Estate Planning to Achieve Client Goals.......................................... 32 Ethical Issues for Bankers............................................................ 15, 25 Event Networking........................................................................... 17, 29

F Fall Golf Outing .................................................................................... 35 Fiduciary Income Tax .......................................................................... 32 Fiduciary Law ....................................................................................... 32 Foundational Certificate in Bank Marketing..................................... 21 Fundamentals of Ag Financing .......................................................... 10 Fundamentals of Alternate Investment Products ........................... 32 Fundamentals of Consumer Lending Suite ..................................... 26 Fundamentals of Life Insurance ........................................................ 32 Fundamentals of Mortgage Lending ................................................. 11 Fundamentals of Small Business Banking Suite ...................... 12, 28

Income Tax Planning .......................................................................... 32 Introduction to Agricultural Lending ................................................ 11 Introduction to Analyzing Financial Statements ........................ 12, 28 Introduction to Estate Planning......................................................... 32 Introduction to Investment Management ......................................... 32 Introduction to IRAs ....................................................................... 27, 32 Introduction to Planning for Retirement Assets ............................. 32 Introduction to Trust Administration ................................................ 32 Introduction to Trust Products and Services .................................. 32 Investment Policy ................................................................................ 32 Investment Products ........................................................................... 32 IRA Essentials ...................................................................................... 23 IRA Online Institute ............................................................................. 33

L LaserPro Workshops .......................................................................... 10 LaserPro: Tips, Shortcuts and Best Practices ................................ 10 Leadership in Action Suite ...................................................... 16, 19, 28 Legal Closing Signs ............................................................................ 35 Legal Foundations in Banking............................................................. 6 Lending Decision Process ................................................................. 12 Leveraging the Benefits of a Diverse Workforce ................. 16, 19, 28 Loan Structuring, Documentation, Pricing and Problem Loans... 12

G General Accounting ............................................................................. 24 Generation-Skipping Transfer Tax .................................................... 32 Gift Taxation ......................................................................................... 32 Government Payments & ACH ............................................................. 4 Graduate School of Banking .............................................................. 18 GSB Bank Technology Management School ................................... 22 GSB Bank Technology Security School ........................................... 22 GSB Human Resource Management School ................................... 15 GSB Sales and Marketing School...................................................... 20

H Handling Mortgage Inquiries and Making Referrals ................. 12, 27 How Trusts are Taxed ......................................................................... 32 Human Resources Forum ................................................................... 15

M Management Essentials Suite ................................................ 16, 19, 28 Managing Funding, Liquidity and Capital .......................................... 3 Managing Interest Rate Risk ................................................................ 3 Managing Life Insurance Policies ..................................................... 32 Managing the Bank’s Investment Portfolio ........................................ 3 Managing Time at Work ................................................................. 17, 29 Marketing Forum ................................................................................. 20 Marketing in a Digital World ............................................................... 21 Marketing in Banking .......................................................................... 20 Marketing Management ...................................................................... 20 Marketing Planning ............................................................................. 20 Midwest Bank Leaders Conference .................................................. 18 Minimizing Fiduciary Risk and Litigation ......................................... 32 Money and Banking............................................................................. 24 Mortgage Business ............................................................................. 11 Mortgage Customer Counseling and Prequalification ................... 13

I IBA Annual Bank Directory................................................................. 35 IBA Compliance ConnectionÂŽ ........................................................... 35 Identifying, Registering & Auditing Third-Party Senders................. 5 Illinois Bank Compensation & Benefits Survey............................... 35 Illinois Banker Magazine ..................................................................... 35 Illinois Guide to Bank Record Retention .......................................... 35 Improving Productivity............................................................. 16, 19, 27

N New Accounts in Illinois ..................................................................... 23

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O Online Communication Suite ....................................................... 15, 25 Operations School ............................................................................... 22

P Payments System Training Suite ...................................................... 22 Performing Your ACH Audit ................................................................. 4 Performing Your ACH Risk Assessment ............................................ 5 Personal Banker Certificate ............................................................... 31 Personal Tax Return Analysis ...................................................... 13, 27 Planning for Estate Tax ....................................................................... 32 Presentation Skills Suite............................................................... 15, 25 Prudent Portfolio Management .......................................................... 32

Small Business Banker Certificate ................................................... 13 Small Business Borrowing............................................................ 13, 29 Special Needs Trusts .......................................................................... 32 Spring Golf Outing .............................................................................. 35 Spring Law Review .............................................................................. 35 Stock Selection and Analysis ............................................................ 32 Supervisor/Team Leader Certificate ................................................. 31

T

Qualitative Analysis and Determining a Credit Risk Rating .......... 13

Tax Refunds: ACH Postings & Exceptions ........................................ 5 Technology and Operations Forum .................................................. 22 Tele-Consulting Curriculum ............................................................... 26 The Emerging Consumer & How to Bank Them ............................. 20 The Fiduciary and Trust Activities Workbook ................................. 34 The Financial Planning Workbook .................................................... 34 The Investments Management Workbook ....................................... 34 The ONE Conference ........................................... 3, 10, 15, 18, 20, 22, 23 The Tax Law and Tax Planning Workbook ...................................... 34 Touring the 2019 ACH Rules: .............................................................. 4 Types of Insurance .............................................................................. 32

R

U

Reference Guide to Regulatory Compliance ..................................... 9 Referring Insurance and Annuity Clients ......................................... 27 Referring Investment Clients ............................................................. 27 Referring Trust Clients ........................................................................ 27 Regulation CC: Updates You Need to Know ...................................... 5 Regulation E – An Overview ................................................................. 5 Regulatory Compliance Series ............................................................ 4 Regulatory University.......................................................................... 35 Relationship Selling to Small Business Customers ....................... 29 Residential Mortgage Lender Certificate .......................................... 14 Retirement Products for Small Businesses ............................... 13, 29

Understanding Bank Products .......................................................... 25 Understanding Business Borrowers ................................................ 13 Understanding Transfer Tax .............................................................. 32 Universal Banker Certificate .............................................................. 31 Universal Banker Certification Series .............................................. 23

Q

S Selling in a Social World ..................................................................... 26 Servicing and Growing Small Business Relationships .................. 29 Sexual and Workplace Harassment ............................................ 17, 29 Sexual and Workplace Harassment for Managers ............... 16, 19, 28 Small Bank CEO Forum ...................................................................... 18

V Verbal Communication Suite ........................................................ 16, 25

W Wealth Advisory and Personal Trust Series .................................... 34 Why Quality Customer Service Matters Suite ................................. 27 Women in Banking Conference ......................................................... 18 Women’s Leadership Symposium .................................................... 18 Written Communication Suite ....................................................... 16, 26

Illinois Bankers Association

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524 South Second Street  Suite 600  Springfield, IL 62701  217-789-9340 194 East Delaware Place  Suite 500  Chicago, IL 60611  312-347-3400 Website: ilbanker.com

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IBA Course Catalog  

Building Your TALENT with Seminars, Webinars, Conferences and More

IBA Course Catalog  

Building Your TALENT with Seminars, Webinars, Conferences and More