p.s. cbai members receive significant discounts on all...

Dear Community Banker:

CBAI is pleased to present its 2012 Education Catalog. We would like to thank you for your continued support of theCBAI education programs. As you know, continuing education is extremely important in the community banking field, andthe CBAI Education Committee, along with the CBAI Education Department, strives to provide you with valuable programsdesigned specifically for your staff and management team that will advance the skills of all personnel in a communitybank. We strongly believe that the knowledge gained through these programs can result in success for you, your employ-ees, and your bank.

One-day seminars and conferences remain at the core of CBAI’s professional-development program. Designed for commu-nity bankers by community bankers, these seminars are led by experts in their fields; most have hands-on communitybanking experience and utilize a variety of approaches to keep learning at its highest. In addition to the knowledgegained at these programs, instructors provide user-friendly manuals and tools that can be taken back to the bank forimmediate use and sharing with other staff members.

CBAI works with individual bankers to bring experts to the most convenient location of all — your own communitybanks. Members also have access to training via the Internet and webinars. Users log-on and receive award-winning training anytime, anywhere. Community bankers have access to nearly 100 highly focused webinar courses, as well as PC-based training.

A brief description of each seminar, school, institute, and training program that has been scheduled to date is contained inthis catalog. Additional seminars will be added later in the year.

Brochures concerning each program are usually e-mailed eight weeks prior and mailed six weeks prior to each program.A one-page flier highlighting key aspects of the seminar or institute is faxed three weeks before the program. All programsare also described on the Internet at www.cbai.com. Registrations may be mailed, faxed, e-mailed, telephoned, or madeonline to the Association. A credit card payment option is also available. Call the Education Department at 217/529-2265or 800/736-2224 with any questions or comments.

Sincerely,

Mary Sulser, Chairperson Todd Grayson, ChairpersonCommunity Bankers Association of Illinois and Education Committee and EVP, Buena Vista National Bank, Chester EVP, South Central Bank, N.A., Chicago

P.S. CBAI members receive significant discounts on all educational programs, proving there is value in membership.

901 Community Drive, Springfield, IL 62703-5184217/529-2265 • 800/736-2224 • FAX: 217/585-8738 • www.cbai.com

EEDDUUCCAATTIIOONN CCOOMMMMIITTTTEEEETodd Grayson, ChairpersonSouth Central Bank, Chicago

Angela BabcockGerman American State Bank, German Valley

Beth CotnerScott State Bank, Bethany

Don DingesFarmers State Bank, Sublette

Shari FerryFirst National Bank, Staunton

Lisa FrerkingCitizens Community Bank, Freeburg

Debbie GilbertIllini Bank, Springfield

Kelly GreenHerrin Security Bank

Gwyn HeltonShelby County State Bank

Janice LampeMorton Community Bank

Rick KlinedinstMidAmerica National Bank, Canton

Bryan MarshThe First National Bank, Carlyle

Lloyd Murphy, PresidentTuscola National Bank

Michael RennerBank of Yates City

Amy ThiedePrairie Community Bank, Marengo

Emma VandeveerSouth Side Trust & Savings Bank,Peoria

AAGG LLEENNDDEERRSS’’ SSUUBBCCOOMMMMIITTTTEEEEBryan Marsh, ChairmanFirst National Bank of Carlyle

Jennifer BeardFarmers State Bank, Elmwood

Kerry HoopsGerman-American State Bank, German Valley

Alan HoskinsLegence Bank, Eldorado

Douglas W. SmithFarmers National Bank, Griggsville

Ronald RinkenbergerState Bank of Toulon

CCHHIICCAAGGOO AARREEAA SSUUBBCCOOMMMMIITTTTEEEEAmy Thiede, ChairmanPrairie Community Bank, Marengo

Ron Cerutti Jr.American Midwest Bank, Sycamore

Kathleen T. HardyThe Leaders Bank, Oak Brook

Jeanne LewisGlenview State Bank

David J. LoundyDevon Bank, Chicago

Maliea PenuelaState Bank, Wonder Lake

Barbara PeryerCenTrust Bank, Deerfield

Catherine PrugerForest Park National Bank & Trust Co.

Jake SilkerThe Foster Bank, Chicago

CCOOMMMMUUNNIITTYY BBAANNKKEERRSS SSCCHHOOOOLL SSUUBBCCOOMMMMIITTTTEEEE

Angela Babcock, Co-ChairGerman-American State Bank, German Valley

Michael Renner, Co-ChairBank of Yates City

Kim ArbuckleFirst Bank & Trust, S.B., Paris

Neal BeerGoodfield State Bank

Jeanne ChurchillCapaha Bank, Jackson, MO

Deirdra DrakeBank of Chestnut

John HarrisFarmers State Bank of Hoffman

Jennifer LovelessThe Citizens National Bank, Dayton, OH

Rick McGuiganCommunity Bankers of Wisconsin

Fay Neal, Jr.Franklin Bank & Trust Co., Franklin, TN

Runay OlsonICBA

Shellie RichelmanFirst State Bank of Campbell Hill

Jessica SchulzeThe Fisher National Bank

Jodi SwilleyCommunity Bankers Association of GA

IINNTTEERRNNAALL AAUUDDIITTIINNGG SSUUBBCCOOMMMMIITTTTEEEE

Lisa Frerking, ChairpersonCitizens Community Bank, Freeburg

Audrey BrueggemannThe Farmers & Merchants NationalBank, Nashville

Angela LampleyBank of Herrin

Patricia WhitehurstNational Bank of Petersburg

MMAARRKKEETTIINNGG SSUUBBCCOOMMMMIITTTTEEEEEmma Vandeveer, ChairpersonSouth Side Trust and Savings Bank, Peoria

Erin DahmsState Bank of Freeport

Maria EckertFirst Bankers Trust Company, N.A.,Quincy

Kim McKeeNorth Central Bank, Hennepin (Ladd branch)

Ann ScholtesBank of Pontiac

Angela TruluckFirst National Bank of Steeleville

WWOOMMEENN IINN BBAANNKKIINNGG SSUUBBCCOOMMMMIITTTTEEEEBeth Cotner, ChairpersonScott State Bank, Bethany

Jennifer BeardFarmers State Bank of Elmwood

Gayla HartingCommunity Trust Bank, Irvington

Stephanie HooverIllini Bank, Springfield

Amy LogsdonNational Bank of Petersburg

Suzy PerinoSauk Valley Bank, Sterling (Rock Falls branch)

Erin PinterSpring Valley City Bank

Sally QuinnSecurity Bank, s.b., Springfield

Committee Members

Summary of Seminars . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

Frontline . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Directors’ Training . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

CEO Forums/Community Bankers School . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Lending . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Senior Lender Forums/Certified Community Lender Program . . . . . . . . . . . . . 11

Marketing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Auditing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Compliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Branch Managers’ Forum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Operations/Technology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Banking Essentials . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Telephone Seminars . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

IRA/In-Bank Training . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Distance Learning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Career Development Division . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Education Staff/Registration Policies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Registration Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

Table of Contents

Education Catalog

All Customer-Facing Employees and Officers Must Complete Training by February 1, 2012

Train Your Entire Bank for Only $249

with BankersEdge

Illinois Elder Financial Exploitation Rule

REGISTER ONLINE AT WWW.CBAI.COM1

STRATEGIC SELLING FOR TODAY’S BANKERThis one-day program is designed to help bankers increasetheir market share in their communities. By attending thisprogram, community bankers learn to find new qualifiedprospects, generate more internal and external referrals,cross sell more products and services to existing cus-tomers, reduce the fear of change with prospects, and sellmore effectively against the competition. Participants alsolearn how to create more urgency, understand the sellingprocess more effectively, develop better time-managementskills, and develop renewed enthusiasm. This is a highly-interactive program that shares best practices from success-ful bankers across the country and allows participants todevelop new skills through practice.

Leading this seminar is Jack Litzelfelner, founder and pres-ident of Jack Litz Seminars, Cape Girardeau, MO.

Date and LocationMAR 16: CBAI Education Center, Springfield

Registration Fees Early Bird RegularMemberOne Person $215 $245Two or more $195 each $205 eachProspective MemberOne Person $365 $395Two or more $345 each $355 each

INTEREST RATE RISK AND INVESTMENT MANAGEMENT This program focuses on the critical importance of invest-ments and asset/liability management in the new regulato-ry and economic environment. Liquidity risk, cash flowmanagement, and security selection techniques are dis-cussed, as well as Fed Policy considerations and the inter-est rate outlook generally. An integrated approach to balance-sheet risk management is emphasized as a guidefor making investment decisions. There are also examplesof recommended tools of analysis for security selection.

Jeffrey F. Caughron, associate partner/portfolio strategistand Ryan Hayhurst, associate partner and manager of theFinancial Strategies Group at THE BAKER GROUP,Oklahoma City, OK, lead this seminar.

Date and LocationAPR 4: CBAI Education Center, Springfield


ADVANCED OPERATIONS CONFERENCEThe new Advanced Operations Conference is designed tohelp educate community-bank operations personnel onissues specific to the operations of your community bank.Participants benefit from expert speakers, pertinent andinformative topics, and peer networking. Topics coveredinclude bank performance analysis, legal update, DurbinAmendment update, debit card fraud, 2012 ACH ruleschanges, banking and working in a mobile world, and hottopics in technology compliance. A mini-exposition featur-ing the latest products and services benefitting the com-munity bank and its operations personnel also highlightsthe day.

Date and LocationAPR 25: Crowne Plaza, Springfield


Seminars

CALL REPORT PREPARATIONThis comprehensive seminar is a review of each schedule ofthe quarterly Call Report with emphasis on the extensive2011-2012 revisions, accounting changes, and regulatory guid-ance. Recent changes have produced confusion and manyquestions. The seminar provides basic training for new pre-parers and complete coverage of new and complex issues forexperienced preparers. Annual training is highly recommend-ed by bank regulators. Because of all the recent changes, thisprogram is now a two-day session. Bankers with responsibili-ty for the entire Call Report should attend both days. The sec-ond day includes all the lending schedules and offers trainingto those responsible for only these schedules.

Judith Jenkins of Bank Training Services, Houston, TX,leads this seminar.

Dates and LocationMAY 22 & 23: Northfield Center, Springfield

Registration Fees Member ProspectiveBoth SessionsOne Person $405 $705Two or more $375 each $675 eachIndividual SessionOne Person $245 $395Two or more $205 each $355 each

MITIGATING RISK IN TRUST-AACCOUNT ADMINISTRATIONThis seminar takes a fictional living trust with variousassets (stocks, bonds, cash, real estate, etc.) and identifiesrisk during the life-cycle of the trust and the steps neededto mitigate the risks. This covers from account pre-accept-ance through the death of the grantor to continuing trusts(marital and family) for the spouse and children and thenultimately becoming a generation-skipping trust for grand-children. Among the myriad of risks addressed in the sem-inar are KYC, acceptance process, investment manage-ment issues, initial and annual investment and administra-tive reviews, and dealing with miscellaneous assets, bothat incapacity and death of the grantor. This seminar alsocovers estate tax issues, QTip elections, as well as settinginvestment objectives for the marital and family trusts.

Leading this seminar are Roger Pond and Becky Kelly,both partners at The Fiduciary Education Center, LLC.

Date and LocationJUN 7: CBAI Headquarters, Springfield


WHAT TO EXPECT WHEN YOU ARE AN HR PROFESSIONAL FOR A COMMUNITY BANK

Similar to the famous book for expectant parents, thisseminar is an opportunity to review the changes in theways you may and may not pay, manage, incent and dis-cipline employees and what to expect by way of addition-al changes in this dynamic area. The speaker provides alegal update of new laws, regulations and case law ofinterest. The seminar is also a forum in which to sharequestions and concerns and to have the benefit of thespeaker’s expertise and the shared experiences of yourpeers in the field.

This seminar is led by Lynne Mapes-Riordan of BarackFerrazzano in Chicago, IL.

Dates and LocationsJUN 19: CBAI Headquarters, SpringfieldJUN 20: Hilton Lisle/Naperville, Lisle



Seminars


SEMINAR FOR THE COMMUNITY BANK ATTORNEY To help community bank attorneys obtain the latest infor-mation regarding the myriad of legislative, legal, and regu-latory mandates facing community banks, as well as meetthe Supreme Court of Illinois’ requirements for MinimumContinuing Legal Education (if accredited), CBAI hasdeveloped this comprehensive one-day education sessionentitled, “Seminar for the Community Bank Attorney.” This seminar utilizes the expertise of a number of attor-neys who specialize in banking law and related topics.Once again, CBAI General Counsel Jerry Cavanaughspeaks on “Recent State Legislation and Case LawAffecting Financial Institutions.” Other attorneys and topicswill be added to the agenda at a later date.

Date and LocationFALL TBD: Crowne Plaza, Springfield


WOMEN IN COMMUNITY BANKING CONFERENCECBAI is proud to offer its sixth annual Women inCommunity Banking Conference. We recognize the pow-erful influence and potential of women in the bankingprofession, as well as the many challenges you face on adaily basis. As such, CBAI’s Women in Banking Committeedesigns the agenda around the top concerns facingwomen professionals, as well as pertinent banking issuesfor community banks. This one-day conference providesparticipants invaluable networking opportunities and pow-erful information. Participants benefit both personally andprofessionally, and leave this conference motivated, ener-gized, and inspired!

A mini-exposition featuring the latest products and servic-es highlights the event, as well. A networking social willbe held the evening prior to the conference.

Date and LocationNOV 14: Crowne Plaza, Springfield


Additional seminars will be added to the calendar at a later date.

Seminars


DEPOSIT DOCUMENTATIONMany things tellers and customer service representativesdo are driven by deposit documentation regulations, buttoo often circumstances can make it difficult for thoseemployees to apply the regulations because they don’tknow the details. This class describes the requirements,explains the basic principles in a straightforward manner,and then draws on real-life experiences to explore how toapply those principles. Among the challenges addressedare error resolutions, new card issuance, replacementcards, delay of funds, honoring checks, split deposits, NSFchecks, credit card checks, two-party checks, CD penal-ties, partial withdrawals, who can open an account, how itcan be titled, identity theft, suspicious activity, and more.

Leading this seminar is Tim Tedrick of Wipfli LLP, Sterling, IL.

Dates and LocationsMAR 5: Holiday Inn, Mt. VernonMAR 6: CBAI Headquarters, SpringfieldMAR 7: Starved Rock Lodge, UticaMAR 8: Hilton Lisle/Naperville, Lisle


HEAD TELLERMore information will be available soon.



ACCOUNT TITLINGThis seminar is designed for new account representatives,tellers, and head tellers who need to understand the vari-ous types of account ownerships that exist – from singleaccount owners through corporations. You learn what thedifferent ownership types represent and how to makesure you are opening the proper type of account for yourcustomer. In addition, the seminar covers CustomerIdentification Program requirements and FDIC insurance,as well as operational issues tellers face daily.

Leading this seminar is Bryan Fetty, consultant at Young &Associates, Inc., Kent, OH.

Dates and LocationsDEC 4: Holiday Inn, Mt. VernonDEC 5: CBAI Headquarters, SpringfieldDEC 6: Starved Rock Lodge, Utica


Frontline

5 REGISTER ONLINE AT WWW.CBAI.COM

COMMUNITY BANK DIRECTORS’ COLLEGEThe Community Bank Directors’ College was devel-oped in close conjunction with both state and federal reg-ulators, and is designed to teach individuals how tobecome a more effective, capable, and supportive mem-ber of a bank’s board of directors. It is CBAI’s goal tograduate directors who return to your bank more active,more knowledgeable, and more decisive. In effect, theywill be an even bigger asset to your community bank. TheCollege is offered once a year and provides a thoroughunderstanding of bank operations and bank directors’responsibilities. The college is recommended for both newand seasoned bank directors. It is structured as two, two-day sessions offered on a bi-annual basis. The second ses-sion, which may be attended as a stand-alone course, isbeing held in January.

Dates and LocationJAN 18 & 19: Hilton Garden Inn, Springfield

Registration Fees Member ProspectiveDirector $650 $850

BANK DIRECTORS’ WORKSHOP This one-day seminar covers the fundamental duties forbuilding a better board, examines how to increase share-holder value without sale, and discusses strategic planningissues. Information on whether to buy, sell, or remainindependent, as well as regulatory issues and trends arealso covered.

Leading this seminar is Philip K. Smith, president andmember of the board of directors of Gerrish McCrearySmith, PC, and its affiliated consulting firm, GerrishMcCreary Smith Consultants, LLC, located in Memphis, TN.

Dates and LocationsMAR 27: Holiday Inn, Mt. VernonMAR 28: Hilton Garden Inn, SpringfieldMAR 29: Hilton Lisle/Naperville, Lisle

Registration Fees Member ProspectiveFirst Director $255 $405Second Director $125 $275Third Director $125 $275Fourth Director FREE FREEFifth Director $125 $275

DIRECTORS’ TELEPHONE/WEBCAST SERIESThis six-part series was designed to deliver cost-effectivedirectors’ training especially for the unique needs of com-munity banks. You may train as many individuals as youlike for one set price. There are no travel costs, nor timelost from work, and no one is required to leave his or herplace of business.

Dates and TopicsJAN 12: Banking Out of RecessionMAR 20: Managing Liquidity Risk: The Board’s RoleMAY 15: Buy, Sell, or Remain Independent –

Strategic Decisions for Your Board JUL 17: Asset/Liability Management for DirectorsSEP 11: Not Strategic Planning, Action Planning!NOV 8: The Board’s Role with the Loan Committee

SERIES PRICINGCBAI Member Prospective

Telephone/Webcast Seminar Site License$1,335 $2,235

On-Demand Link$1,335 $2,235

Telephone/Webcast Site License & On-Demand Link

$1,995 $2,895Additional Site License

$1,215 $2,115

INDIVIDUAL SESSIONCBAI Member Prospective

Telephone/Webcast Seminar Site License$249 $399

On-Demand Link$249 $399

Telephone/Webcast Site License & On-Demand Link

$349 $499Additional Site License

$239 $389

Directors’ ConferenceDecember 4, 2012

Crowne Plaza, Springfield

Directors’ Training

Designed exclusively for CBAI members, seven CEOForums each provide a group of 15 or fewer non-compet-ing CEOs with an opportunity to freely exchange ideas, dis-sect problems, and discuss important issues with theirpeers. Groups are organized by bank size and market toensure commonality. Each group establishes its own rulesfor substitutes and agenda. Professional facilitators from theaccounting firms of BKD, LLP, Crowe Horwath LLP, andWipfli LLP are utilized at each session to research specifictopics and advance discussions.

Dates and locations are determined by each CEO Forum.

Registration FeesAnnual Membership — Four SessionsCharter Members — $1,100All Others — $1,200

The Community Bankers School, sponsored by theIndependent Community Bankers of America and otherstates’ community banking associations, provides broadexposure to important elements of community banking. It gives students the most up-to-date thinking on coreprinciples of community banking: compliance, operations,consumer credit, documentation, asset/liability manage-ment, marketing, management principles, and much,much more. Plus, it gives attendees a vast range of specif-ic banking skills and techniques that can contribute imme-diately to their banks' overall success.

Faculty members have been carefully selected to includethe finest talent in the country. The men and women whoteach the courses are experts in their fields; most havehands-on community banking experience. Formats vary tokeep student interest and learning at the highest possiblelevel. Students also take part in problem-solving, casestudies modeled on real banking situations, and computersimulations. They'll also receive extension problems thatenable them to practice decision-making.

The community bank strategic-planning cases have beenespecially designed for banks like yours. Students interactwith other participants to explore, via a computer-basedfinancial model, the impact of trends in the banking field,regulations, policies, and pricing strategies for a communi-ty bank.

In just two weeks (one week each year for two years) students:• develop leadership and management skills;• gain a broader understanding of the overall deposit,

credit, and investment functions of a community bank;• appreciate the importance of quality customer service

and an active business-development program;• obtain a vast range of banking skills and techniques

that contribute immediately to the success of the bank; and

• build a lifetime of business and personal relationships.

Students receive a Community Bankers School notebookfor each year of the school. The notebook contains courseoutlines, supplemental reading materials, as well asexhibits and sample forms. Back on the job, students findtheir notebooks to be a valuable reference, as well as ahandy refresher on the banking skills and methods theylearned at CBS.

Dates and LocationJUL 15-20: Illinois Wesleyan University, Bloomington

Registration FeesCBAI Members — $1,199 per yearProspective Member — $1,949 per year

Fees include all educational sessions, notebooks, and meals.Housing is separate and cost is dependent upon type of dormor hotel selection. A $125 University Fee will be charged forall participants who choose not to stay on campus.


CEO Forums

Community Bankers School


COMPLIANCE FOR LENDERSThis comprehensive, one-day seminar provides up-to-dateinformation on compliance issues and developments inthe regulations that relate to banking. This includes suchgeneral lending regulations as safety and soundness stan-dards, legal lending limits, and insider lending. It alsoaddresses fair-lending regulations such as the Equal CreditOpportunity Act, the Fair Housing Act, the Fair CreditReporting Act, including the FACTA. Consumer and com-mercial lending regulations are also discussed.

Bill Elliott, senior consultant and manager of compliancewith Young & Associates, Inc., Kent, OH, leads this seminar.

Dates and LocationsJAN 23: Holiday Inn, Mt. VernonJAN 24: CBAI Education Center, SpringfieldJAN 25: Hilton Lisle/Naperville, Lisle


ANALYZING CASH FLOW FROM INCOME-PPRODUCING OR RENTAL REAL ESTATE, INCLUDING GLOBAL CASH FLOW This program demonstrates the key variables and conceptsfor determining CRE cash flow, plus primary analyticaltechniques such as transaction-level stress-testing. It alsoexplores where to find information from existing sources,such as tax returns, and what additional information maybe needed, such as customer rent rolls. Another importantelement is a global analysis of a borrower's or guarantor'smultiple real estate holdings, as well as relevant personalresources and overall guarantor strength. This course pro-vides a framework for compiling a global cash flow aspart of up-front analysis and ongoing monitoring efforts.

Date and LocationFEB 22: CBAI Headquarters, Springfield

APPRAISAL GUIDELINES AND REVIEWING/INTERPRETINGCRE APPRAISALSAn important part of the commercial real estate (CRE)lending process is the review and interpretation of theproperty appraisal. This program briefly reviews the majorissues of the entire appraisal process, including selectingand engaging a qualified appraiser, but focuses on review-ing the report for integration into the overall credit analy-sis. Fundamental principles and features of appraisals arecovered, as well as the primary analytical techniques suchas net operating income (NOI) for basic, income-produc-ing properties and discounted cash flow for acquisitionand development (A&D) loans. This class also reviewsthe December 2, 2010 Interagency Appraisal andEvaluation Guidelines.


MANAGING A COMMUNITY BANK CRE PORTFOLIO,INCLUDING DEALING WITH PROBLEM CREDITS AND STRESS-TTESTINGThe commercial real estate (CRE) loan portfolios of com-munity banks continue to present challenges, particularlywith continued weaknesses in residential and CRE mar-kets. This program covers the major issues involved inmanaging a community bank's CRE portfolio, from thetypes of reports made to the board and senior manage-ment, to activities at the lender level to monitor individualloans. Included is a discussion of CRE problem loans andworkouts (October of 2009 Policy Statement on PrudentCRE Loan Workouts) and portfolio-level stress-testing. Thisseminar also covers supervisory are loan-to-value limits,and appraisal and environmental risk policies.


Leading these three seminars is Richard Hamm, owner ofAdvantage Consulting & Training in Huntsville, AL.

Registration Fees Early Bird RegularMember (One Seminar)One Person $215 $245Two or more $195 each $205 eachProspective Member (One Seminar)One Person $365 $395Two or more $345 each $355 eachMember (Three Seminars)One Person $567 $627Two or more $527 each $587 eachProspective Member (Three Seminars)One Person $967 $1,027Two or more $927 each $987 each

Lending


RESIDENTIAL REAL ESTATE LENDING INSTITUTEThis three-day institute provides the real-estate lending pro-fessional with a solid foundation for managing and produc-ing a quality mortgage portfolio. Topics include exercises inbuying and selling mortgages in the secondary markets, avisit to a construction site, and analysis of the tax return fora self-employed borrower. It assists the participant in threeareas: improved customer service, more efficient processingand servicing, and stronger underwriting. Day one focuseson regulatory compliance, the secondary mortgage market,loan applications and interviewing, and FHA and VA lend-ing. Day two discusses loan processing and servicing,underwriting, and construction financing. Day three pro-vides information concerning lending to self-employed bor-rowers, analyzing appraisals, and closing documentation.

David Kemp, president and founder of BankersManagement, Inc., College Park, GA, heads the faculty.

Dates and LocationMAR 19-21: CBAI Education Center, Springfield

Registration FeesMember — $635 per studentProspective Member — $1,075 per student

For hotel reservations, call the Baymont Inn at 217/529-6655.CBAI rates are $63 + tax for single or double occupancy.

LOAN REVIEW FOR MANAGERSThis program is designed for loan review managers, loanreview officers, senior credit analysts, credit administrationmanagers, and senior loan officers. It is designed to covercurrent events impacting loan review, such as staffing lev-els, performance assessments, efficiencies and trainingtechniques, ALLL, technology, and regulatory issues.

Leading this seminar is Merrill J. Reynolds, partner and co-founder of the Reynolds Williams Group, New Braunfels, TX.

Dates and LocationsAPR 16: CBAI Headquarters, SpringfieldAPR 17: Hilton Lisle/Naperville, Lisle


CONSUMER LOAN DOCUMENTATIONThis course addresses the major compliance issues thatrelate to the lending function including Regulation B, X, Z,and the Flood Hazard Protection Act, as well as the docu-ments required to be in compliance with these regula-tions. After completing this course the participant recog-nizes the documents required to complete the five steps inthe documentation process; has a good working knowl-edge of the purpose of each document; is able to providea broad overview of the loan documents' provisions;knows the rules of attaching collateral; and knows therules of perfecting the security interest.


COMMERCIAL LOAN DOCUMENTATIONIn this one-day seminar, the primary documents to bepresented include documents to evidence and to supportborrowing; documents to establish authority to borrow;documents to evidence the debt; documents to supportvarious types of collateral; and documents required forspecialized lending.

Participants can choose to attend both Consumer andCommercial Loan Documentation as a two-day series, oreither as a stand-alone course. These seminars are directedtoward loan officers, loan operations staff, loan administra-tors, and everyone involved in the lending process.

Leading both of these seminars is Jeff Johnson, president ofBankers Insight Group, Atlanta, GA.


Registration Fees Member ProspectiveBoth SessionsOne Person $405 $705Two or more $375 each $675 eachIndividual SessionOne Person $245 $395Two or more $205 each $355 each

Lending


CALCULATING AND MAINTAINING THE ALLOWANCEFOR LOAN AND LEASE LOSSES (LET’S ALLL GET ABOARD)This program is designed to review the elements andthought processes in establishing and maintaining an ade-quate level under the new guidance. Topics to be coveredinclude establishment and purpose of ALLL, loan gradingand the impact of ALLL, general framework required toestablish ALLL, review of the regulators expectations forALLL, and concepts with allowance calculation cases. Aftercompleting the course, participants have an enhancedunderstanding of the importance of creating and maintainingan adequate Allowance that is legally defensible and ensuresthe bank is operating in a safe and sound environment.

Leading this seminar is Jeffery Johnson, president ofBankers Insight Group, Atlanta, GA.

Date and LocationAPR 27: Hilton Lisle/Naperville, Lisle


COMMERCIAL LENDING INSTITUTEThis three-day institute provides commercial lenders with asolid foundation for producing and managing a quality loanportfolio. It focuses on analytical tools such as ratio, finan-cial, cash-flow analysis, and commercial loan structuring toenhance repayment capacity. Day one provides a review ofthe commercial lending environment, basics of accountingand financial statement review, corporate income-taxreturns, introduction to credit and ratio analyses, asset-con-version cycle analysis, and writing credit memos. Day twooffers an introduction to cash budgeting, an analysis of bor-rowing causes, loan structuring, loan pricing and fees, com-mercial-loan documentation, and credit-risk management.Day three focuses on cash-flow analysis, financial forecast-ing, break-even analysis, and sustainable growth. Head fac-ulty member is Jeffery Johnson, president of BankersInsight Group, Atlanta, GA.

Dates and LocationMAY 15-17: CBAI Headquarters, Springfield



APPRAISAL REVIEWAll regulatory agencies have increased their expectationsregarding a bank’s review of property appraisals. A check-list simply does not suffice anymore, particularly on com-mercial property appraisals. Banks must gain a betterunderstanding of the appraisal process and the appraisalsit receives. This seminar focuses on the regulatory require-ments and expectations regarding the review of third-partyappraisals. Both single-family dwelling and commercial-property appraisals are discussed, but the focus of theseminar is clearly on commercial property appraisals onincome-producing properties.

Leading this seminar is Wayne Linder, senior consultant atYoung & Associates, Inc., Kent, OH.

Dates and LocationsMAY 30: CBAI Headquarters, SpringfieldMAY 31: Hilton Lisle/Naperville, Lisle


AG LENDERS’ CONFERENCEAttend CBAI’s 2012 Ag Lenders’ Conference to developthe skills and tools to better understand the issues affect-ing your farm and agribusiness customers and to meettheir credit needs. The agenda is selected by a committeeof ag lenders with the needs of their peers in mind. Amini-expo featuring the latest in products and services forag lenders also highlights the day.

Date and LocationJUN 6: Crowne Plaza, Springfield


Lending

CREDIT RISK MANAGEMENT INSTITUTEMany banks which historically enjoyed good credit per-formance are now confronted with significant credit prob-lems. The impact of the economic downturn and otherexternal factors have been dramatic. In addition, we havediscovered that much of what we thought was good lend-ing was not! What should we do now going forward thatcould minimize the risk in the loan portfolio? What shouldwe expect to hear from regulators? This two-day programprovides tools and best practices to help you and othersbetter predict future credit performance while minimizingyour loan portfolio risk.

Leading this program are Jeffery Johnson, president, andDavid Sawyer, both of Bankers Insight Group, Atlanta, GA.

Dates and LocationJUN 26 & 27: CBAI Headquarters, Springfield


TRAINING THE CREDIT ANALYSTThis course is designed to address the needs of beginningcredit analysts and reinforce the skills of current credit ana-lysts. The two-day course begins with a review of the com-ponents of financial statements and the process of analyz-ing the financial statements by preparing a financial spread-sheet and interpreting the results. Cash flow analysis, break-even analysis, financial projections, sustainable growth-ratecalculations, sensitivity analysis, industry-comparison analy-sis, and loan grading are included in the key topics.

Jeffery Johnson, president of Bankers Insight Group,Atlanta, GA, leads this seminar.

Dates and LocationAUG 1 & 2: CBAI Headquarters, Springfield


CONSUMER LENDING INSTITUTEDesigned for newer loan personnel, this three-day pro-gram focuses on the consumer-lending process from interviewing to closing requirements. Special attention isgiven to marginal loan decisions. Key topics include therole of the consumer loan officer, taking the loan applica-tion and interviewing, compliance, investigating the appli-cation, risk analysis, lending to self-employed borrowers,business development, loan documentation and collec-tions, and bankruptcy.

The faculty for this highly acclaimed program is led byDavid Kemp, president, Bankers Management Inc.,College Park, GA.

Dates and LocationOCT 15-17: CBAI Education Center, Springfield



10

Lending

REGISTER ONLINE AT WWW.CBAI.COM


The Senior Lender Forums consist of four groups of non-competing senior lenders with an opportunity to freelyexchange ideas, dissect problems, and discuss importantissues with peers. They are an investment in the lenderand your bank’s bottom line. Groups are organized bysize and market to ensure commonality. C. Paul Sims, Jr.,founder, Guided Solutions, Franklin, TN, facilitates all four groups.

Dates and LocationsJAN 31: CBAI Headquarters, Springfield (Group II)FEB 1: CBAI Headquarters, Springfield (Group I)FEB 2: CBAI West Conf. Room, Springfield (Group III)FEB 3: CBAI Education Center, Springfield (Group IV)

MAY 1: CBAI Headquarters, Springfield (Group II)MAY 2: CBAI Headquarters, Springfield (Group I)MAY 3: CBAI Headquarters, Springfield (Group III)MAY 4: CBAI Headquarters, Springfield (Group IV)

AUG 7: CBAI Headquarters, Springfield (Group II)AUG 8: CBAI Headquarters, Springfield (Group I)AUG 9: CBAI Headquarters, Springfield (Group III)AUG 10: CBAI Headquarters, Springfield (Group IV)

NOV 27: CBAI Headquarters, Springfield (Group IV)NOV 28: CBAI Headquarters, Springfield (Group II)NOV 29: CBAI Headquarters, Springfield (Group I)NOV 30: CBAI Headquarters, Springfield (Group III)

Registration FeesAnnual Membership (Four Sessions) – $1,100

CERTIFIED COMMUNITY LENDER (CCL)Designed to professionalize the position of a communitybank lender, the Certified Community Lender establishes astandard of knowledge for the field. Candidates are requiredto document three years’ lending experience, fulfill a prereq-uisite number of education hours, and pass a six-hour exam(three hours multiple choice and three hours casework).The exam is offered the third Friday in January; a second tryis available on the third Friday in April, on odd-numberedyears. The prep-class webinar is conducted approximatelyone month prior to the exam date. In addition to a tremen-dous sense of satisfaction, successful candidates receive theright to use the CCL designation by placing the letters aftertheir names, a handsome wooden plaque with certificate fordisplay, as well as letters and news releases sent to thebank, media, and others. Twenty-four hours of continuingeducation are required every two years to retain the desig-nation. Currently 24 individuals are certified through theCommunity Bankers Associations of Illinois.

Application FeeMembers – $300Prospective Members – $450

Each one-dday lending seminar provides six hoursof credit and each three-dday seminar provides

18 hours of credit toward the prestigious Certified Community Lender designation.

Advanced programs, plus the Senior Lender Forums,

qualify for continuing education credit.

Senior Lender Forums

Certified Community Lender


MARKETING GROUPSWhen the bank’s total marketing effort succeeds, everyoneis a winner! It can happen when marketing directors fromnon-competing banks exchange ideas and learn from theirpeers. Designed exclusively for CBAI members, the twoMarketing Groups consist of no more than 14 individualsdedicated to improving the bank’s profitability throughimproved performance and teamwork.

A specific topic is selected by the Marketing Groups forthe first half of each session. The second half consists ofan open dialogue among participants. A written agenda isdistributed before each meeting. Participants also receive aresource book to aid them when they return to the bank.

Facilitating the Marketing Groups is Lori Philo-Cook, whohas more than 20 years’ experience in bank marketing.She was formerly the marketing director for Key Bank ofAlaska, Alaska Pacific Bank, and Northrim Bank.

Date and LocationMAR 6: CBAI Education Center, Springfield (Group A)MAR 7: CBAI Education Center, Springfield (Group B)

Second, third, and fourth quarter dates and topics to bedetermined by Marketing Group members.

Registration FeesAnnual Membership (Four Sessions) – $899

COMMUNITY BANK MARKETING CONFERENCEThis conference was developed by a committee of commu-nity-bank marketing professionals with the needs of theirpeers in mind. Participants walk away with a wide varietyof information on various topics that bank marketing offi-cers have repeatedly requested, and return to the bankexcited and ready to implement newly found techniquesand knowledge! Participants benefit from expert speakers,pertinent and informative topics, and peer networking. Amini-exposition featuring the latest products andservices benefitting the community bank and its mar-keting efforts also highlights the day.

Topics covered in the 2012 conference include:

Innovative Marketing MasteryFord Saeks, Profit-Rich Results, Witchita, KS

The Power of Generational Marketing – Are YouAdapting to the Digital Generation?Chris Braccia, Harland Financial Solutions, Lake Mary, FL

Engagement BankingKimberlee Karr, CFC Technology, Minnetonka, MN

Embracing E-Mail Marketing: Myths, Best Practices,and Strategies for SuccessTony Betts, Subscriber Mail, Lisle, IL

Secrets of Sales SuccessFord Saeks, Profit-Rich Results, Witchita, KS

Date and LocationMAY 10: Crowne Plaza, Springfield


Marketing


AUDITING DEPOSIT REGULATIONS (DD, PRIVACY, SAFEGUARDING, ADVERTISING, SOCIAL MEDIA)This seminar begins with an in-depth review of regula-tions from start to finish, including the commentary, howto research it, and where to go to get answers. Then wefocus on audit programs, checklists, and audit aids tomake the auditor more efficient. At the conclusion, wespend time on report writing and presentation of findings.Objectives include learning the overall coverage of thesesometimes overlooked regulations in order to audit iteffectively; determining what is or is not interest, or abonus, or a lottery; understanding the various disclosurerequirements in order to audit effectively; and understand-ing the impact of sharing customer information, and whatexactly a privacy notice should look like.

Tim Tedrick, partner at Wipfli LLP, Sterling, IL, leads thisseminar.

Date and LocationAPR 5: CBAI Headquarters, Springfield


AUDITING IT & ACH FOR FINANCIAL AUDITORSUsing a risk-based IT audit approach, this program pro-vides guidance for financial institution auditors by identi-fying threats to their information systems. This processleads into the development of the audit programs usingthe FFIEC IT Examination Handbook as the foundation forthe scope. We provide guidance, references, and samplesfor appropriate work programs. We also demonstrate easy-to-use audit tools that can allow auditors to monitorMicrosoft user account information, system security set-tings, and patch management. Objectives include dis-cussing the risk-based IT audit process; providing guid-ance, references, and samples for IT audit work programs;and demonstrating free and easy to use IT audit tools tomonitor the security of your information systems.

Mark Scholl, partner at Wipfli LLP, Sterling, IL, leads thisseminar.

Date and LocationSEP 12: CBAI Education Center, Springfield


AUDITING FAIR LENDING/UNFAIR AND DECEPTIVE ACTS AND PRACTICESThis seminar provides an introduction to the risk-basedfair lending examination; discusses the fair lending regula-tory background; and offers an overview of associated dis-criminatory practices. It also covers setting the scope of afair lending audit; performing a compliance managementreview; discusses fair lending audit procedures; and con-cludes with case studies. Objectives include providing reg-ulatory background information, as well as a thoroughdiscussion of the Interagency Fair Lending Examinationprocedures; providing a checklist for the bank to confirmthat it is following sound and equitable fair lending prac-tices; providing discussion of the various types of discrimi-nation; and going through the process of performing a fairlending audit.

Bill Elliott, senior consultant and manager of compliance atYoung & Associates, Inc., Kent, OH, leads this seminar.

Date and LocationDEC 4: CBAI Education Center, Springfield


Auditing


COMPLIANCE INSTITUTEAn introductory course for those compliance officers whoare either new to banking or new to their positions, thisfive-day institute is designed to provide a comprehensiveunderstanding of the major regulatory compliance regula-tions that have been determined to be “must knows” forall compliance officers. The school has been divided intotwo sessions, Operations/Deposit Compliance andLending Compliance. Attendees can attend one or bothsessions dependent upon need. Session I, Operations/Deposit Compliance, addresses topics including BankSecrecy Act, Truth in Savings Act, Regulation CC, and theElectronic Funds Transfer Act. Topics covered in LendingCompliance include Regulation Z, CommunityReinvestment Act, Home Mortgage Disclosure Act, FairCredit Reporting Act, and BSA.

The instructors are Bill Elliott, senior consultant and man-ager of compliance, and Adam Witmer, CRCM, consultant,both of Young & Associates, Inc., Kent, OH.

Dates and LocationOperations/Deposit Compliance (Session I)JAN 10-11: CBAI Education Center, SpringfieldLending Compliance (Session II)APR 17-19: Northfield Center, Springfield

Registration FeeSession I and Session IICBAI and CBC Members — $759 CBAI Members — $809Prospective Members — $1,559

Session I only (Operations/Deposit)CBAI and CBC Members — $369 CBAI Members — $419Prospective Members — $719

Session II only (Lending)CBAI and CBC Members — $579 CBAI Members — $629Prospective Members — $1,079

For hotel reservations, call the Baymont at 217/529-6655.CBAI rates are $63 for single or double occupancy.

COMMUNITY BANKERS FOR COMPLIANCE PROGRAMDuring the last decade, compliance has catapulted from aroutine, peripheral concern to a critical, high-cost, high-risk factor that can make or break the strategic success ofyour community bank. Most community banks do nothave the time, nor money, to build elaborate compliancesystems.

In response to these facts, CBAI has teamed up withYoung & Associates, Inc., of Kent, OH, a nationally recog-nized consulting firm, to offer “The Community Bankersfor Compliance” (CBC) program. In its 22nd year, thishighly successful program consists of quarterly meetingsbeginning in November, comprehensive manuals writtenin full narrative, monthly newsletters, and free telephoneand e-mail access to qualified consultants for issues thatarise between meetings. It provides participants with up-to-date information concerning bank regulations and prac-tical techniques for maintaining an effective complianceprogram. Topics for each quarterly meeting are selectedprior to the session to keep banks on the cutting edge ofcompliance issues.

Dates and LocationsFEB 7: Crowne Plaza, Springfield FEB 8: Hilton Lisle/Naperville, LisleMAY 8: Crowne Plaza, SpringfieldMAY 9: Hilton Lisle/Naperville, LisleJUL 31: Hilton Hotel, SpringfieldAUG 1: Hilton Lisle/Naperville, LisleNOV 7: Crowne Plaza, SpringfieldNOV 8: Hilton Lisle/Naperville, Lisle

Annual Bank Membership (can be prorated))CBAI MembersFirst Person — $1,450Add’l Person — Four Sessions $350Add’l Person — Per Session $185Prospective MembersFirst Person — $2,050Add’l Person — Four Sessions $950Add’l Person — Per Session $335

PER SESSIONCBAI MembersFirst Person — $375Add’l Person(s) — $185 Prospective MembersFirst Person — $525Add’l Person — $335

Compliance


BRANCH MANAGERS’ FORUMSCBAI is pleased to introduce the Branch Managers'Forums. These forums are organized based on bank sizeand market to ensure that branch managers have as muchin common as possible without being competitors. Thegroups remain small (no more than 12 participants).Forums meet quarterly at a date and location determinedby the group members. Some of the benefits of the foruminclude forming lasting relationships with non-competingprofessionals and sharing resources and ideas betweenmeetings; solving your most pressing problems; obtainingaccess to highly respected experts in the field; improvingyour bank's branch practices; increasing your understand-ing of effectively running a branch; gaining resources andnew ideas from every meeting; and growing professional-ly, as well as personally.

Robert Swartz, manager at BKD, LLP, Decatur, facilitates theSpringfield Forum held in Springfield, and Kathy Enbom,manager with Wipfli LLP, facilitates the Lisle Group.

Dates and LocationsJAN 11: CBAI Education Center, Springfield (Group A)JAN 24: Hilton Lisle/Naperville, Lisle (Group B)

Second, third, and fourth quarter dates and topics to bedetermined by group members.

Registration FeesAnnual Membership (Four Sessions) – $899

Branch Managers


OPERATIONS/TECHNOLOGY GROUPSThe Operations/Technology Groups, designed exclusivelyfor CBAI members, provide an opportunity for communitybankers to discuss important issues regarding the latest intechnology and efficient operations with non-competingcommunity bankers. These groups consist of no morethan 12 individuals and are organized by bank size toensure compatibility.

The Community Bankers Association of Illinois has select-ed Bert Purdy, manager at BKD, LLP, St. Louis, to facilitateOperations/Technology Group A; Mark Scholl, partnerwith Wipfli LLP in Sterling, to facilitate Group B; JohnMills, supervising consultant with BKD, LLP, St. Louis andGreg Schaller manager with BKD, LLP, St. Louis, to facili-tate Group C; Leslie Wilson, partner with BKD, LLP, St.Louis and Jeff Pauls, supervising consultant BKD, LLP, St.Louis to facilitate Group D.

Dates and Locations:MAR 7: CBAI Headquarters, Springfield (Group A)FEB 28 : Hilton Lisle/Naperville, Lisle (Group B)MAR 14: CBAI Headquarters, Springfield (Group C)MAR 13: Holiday Inn, Mt. Vernon (Group D)

Second, third, and fourth quarter dates and locations aredetermined by the Op/Tech Group participants.

Registration FeesAnnual Membership — $899 (Four Sessions)

IT EXAM PREPARATION: HOT SPOTS AND EXAM FOCUSAfter a tumultuous year of downgrades and bank closuresthat haunted us the last few years, what will 2012 bring?Given the rise in popularity of social networking, cloudcomputing, mobile financial services, and the continuedsophistication in malware and risks, you can be sure theseareas will all receive attention. As always, there is focuson the GLBA regulation, state data protection laws, theFACTA Red Flags requirement, and the ongoing focus onbusiness continuity. In addition, you can expect anincreased interest in ACH operations by the IT examiners,and you can expect tighter controls, monitoring, and inci-dent response plans and the vendor management programto be front and center this year. This program focuses onpotential hot buttons for this year and provide a quickrefresher for the requirements of an information securityprogram, business continuity plan, and vendor manage-ment program. Bring your related policies and plans toreview and discuss.

Leading this seminar is Susan Orr, president of Susan OrrConsulting, Ltd.

Dates and LocationsJAN 25: Hilton Lisle/Naperville, LisleJAN 26: CBAI Headquarters, Springfield


2012 INFORMATION SECURITY SUMMITDell SecureWorks, a CBAI associate member, leads thissummit in Springfield and Lisle on the most timely infor-mation security topics in the field. Topics covered includeinformation security solutions for the virtual era; securingmobile devices, apps, access, and data; why organizationsare failing at information security; dispelling Internet secu-rity myths; and the maturing enterprise of financial cyber-crime from a researcher’s perspective.



Operations/Technology


Designed to present a complete knowledge of bankingprinciples and operations to the newer community bankemployee, “Banking Essentials” consists of four one-dayseminars. Participants should have less than five yearsof banking experience. The bank may send oneemployee to the entire series, send different staff to eachseminar, or send an attendee to a seminar as a stand-alone class. Participants completing all four sessions of theseries receive a certificate. Series registrants can no longercarry over funds to the next year. If you cannot attendone of the quarters, another individual from the bank maybe sent as a replacement or that quarter’s manual will besent and funds will be forfeited. Banking Essentials semi-nars will only be offered in one location, at the CBAIHeadquarters in Springfield. Quarters one and two meeton consecutive days in August, and quarters threeand four meet on consecutive days in February.

RREEGGUULLAATTOORRYY GGUUIIDDEELLIINNEESS && EEXXAAMMIINNAATTIIOONNSS• A Short History of Banking• The Federal Reserve System• Bank Examinations • Board Responsibilities and Supervision• Overview of FDIC Deposit Insurance

Adam Witmer, CRCM, compliance consultant with Young& Associates, Inc., Kent, OH, conducts this seminar.


IINNTTEEGGRRAATTEEDD BBAANNKK SSEECCUURRIITTYY,, CCOOMMPPLLIIAANNCCEE,, AANNDDCCUUSSTTOOMMEERR SSEERRVVIICCEE• Bank Security and the Bank Protection Act• Privacy• USA PATRIOT Act• Bank Secrecy Act• Customer Attitudes and Customer Service• Current Trends and Issues in Community Banks

Jim Rechel, president of The Rechel Group, Cincinnati,OH, leads this seminar.


WWHHAATT IISS AA BBAANNKK??• Purpose, Services, and Customers• The Federal Reserve System• The Deposit Function• The Lending Function• The Operations Function• The Audit Function• The Investment Function• Customer Service Issues

Cletus Bulcher of Brode Consulting Services, Ravenna,OH, leads this seminar.

Date and LocationAUG 7: CBAI Headquarters, Springfield

AANNAALLYYZZIINNGG AA BBAANNKK AANNDD TTHHEE BBAANNKKIINNGG SSYYSSTTEEMM• Evaluating a Financial Institution Using the CAMELS

Rating System• Assessing Risks• Financial Terms and Products• Major Components of Earnings• Capital• Assets and Liabilities• Interest Rate Changes• Role of Management

James Kleinfelter, president of Young & Associates, Inc.,Kent, OH, leads this seminar.

Date and Location AUG 8: CBAI Headquarters, Springfield

Registration Fees Early Bird RegularBANKING ESSENTIALS SERIESMemberOne Person $609 $659Two or more $569 each $619 eachProspective MemberOne Person $759 $809Two or more $719 each $769 eachINDIVIDUAL SESSIONMemberOne Person $199 $229Two or more $179 each $189 eachProspective MemberOne Person $349 $379Two or more $329 each $339 each

Banking Essentials

REGISTER ONLINE AT WWW.CBAI.COM

This training method allows unlimited listeners on youroffice speaker phone. By choosing the webcast option,participants are able to view online visuals as the presenta-tion is delivered. Registrants receive a toll-free number andpass code that allows entrance to the seminar. The sessionis one hour and 15 minutes in length with a 15-minutequestion-and-answer period. Seminar materials are sentprior to the broadcast, along with the hook-up instructions.As an added benefit, you may purchase an on-demandlink of these presentations and have an “off-the-shelf”training program for those who were not able to attend theseminar and for future training purposes.

Dates and TopicsJAN 4: Managing the New Appraisal Guidelines

for Residential PropertyJAN 5: Regulation E Legal Update: How to Properly

Handle ATM & Debit Card ClaimsJAN 10: Required Compliance for Real-Estate-Secured

Commercial LoansJAN 18: Roadmap for Reporting to the BoardJAN 19: Capital Stress & Capital Contingency:

Their Roles in Capital PlanningJAN 24: IRA/HSA Review & Update 2011 Tax YearJAN 26: Understanding Borrower’s Tax Returns, Part IJAN 31: SBA Eligibility Hot TopicsFEB 2: Loan Stress Testing for Today’s Banking RealityFEB 3: Understanding the New Federal Bankruptcy

Procedures and Forms Line-by-LineFEB 7: New BSA Officer TrainingFEB 9: Loan Participations: Compliance, Documentation,

Servicing, & MoreFEB 14: Accepting Powers-of-Attorney:

10 Deposit Account Hot SpotsFEB 22: Business Account Takeover Alert:

What You Need To Know Now!FEB 23: GFE & HUD 1: Issues & UpdateFEB 29: Understanding Borrower’s Tax Return, Part IIMAR 6: Overdraft Protection Update: Regulations,

Lawsuits, & GuidanceMAR 7: Lending to the Small Business Owner/Guarantor

in Today’s EconomyMAR 8: Troubled Debt Restructure Issues:

The Accountant’s PerspectiveMAR 13: Flood Compliance 2012: Review & UpdateMAR 15: Writing Effective HR & E-Policies to Manage

Behavior, Maximize Compliance & Mitigate RisksMAR 22: You Received a BSA Exam Request Memo,

What Are the Proper Steps?APR 10: Auditing Your Bank’s WebsiteAPR 11: Computer Security for All StaffAPR 12: Handling the Bank’s Right of Set OffAPR 19: Credit Processes & Asset Quality Issues:

Your Bank’s Biggest RiskAPR 26: Auditing Capital Records:

Are Your Bank’s Squeaky Clean?

MAY 3: Minor Accounts: Legal Ownership, Debit Cards & Access

MAY 8: FDIC Records & Email Retention RulesMAY 10: Lender Alert: Regulation Z Mortgage Application

Timing RequirementsMAY 17: Handling Check Exceptions, Returns &

AcquisitionsMAY 23: Your Customer Has Filed Bankruptcy, Now What?MAY 30: Regulatory Compliance for LendersJUN 5: Frontline Professionalism: Understanding

EndorsementsJUN 7: Medallion & Signature Guarantee Rules & RisksJUN 12: Denied Loan Requirements: Consumer,

Commercial, & ResidentialJUN 14: Debt Service Coverage Calculations

in UnderwritingJUN 21: Accounting & Auditing Reports to the BoardJUN 26: Understanding & Navigating ACH Rules

for ODFIsJUN 28: Branch Performance Indexing: Are Your

Branches Achieving Their Full Potential?

Registration Fees Member ProspectiveLive Webinar

$249 $399On-Demand Link

$249 $399Live Webinar and On-Demand Link

$349 $499Additional Live Webinar Location

$239 $389

IIff yyoouu wwiisshh ttoo rreecceeiivvee tteelleepphhoonnee//wweebbccaasstt sseemmiinnaarr pprroo-mmoottiioonnss vviiaa ee-mmaaiill,, pplleeaassee ffiillll oouutt tthhee ffoorrmm bbeellooww..

Name/Title

Name of Bank

Address

City, State, Zip

Tel. No. Fax No.

E-Mail Address

Please circle the category of seminar you want to receive.Operations Lending Compliance Trust Marketing/Business Development Internal AuditorBranch Manager Trainer Bank Director

Please copy this page and fax it to the CBAI EducationDepartment at 217/585-88738. For additional individuals/categories, please duplicate this form.

Telephone Seminars

18


CBAI and Wolters Kluwer Financial Services of St. Cloud,MN, co-sponsor IRA training programs throughout Illinois.These seminars feature the tools you need to help mini-mize your risk and maximize your opportunities. To regis-ter, or for further information, call Wolters Kluwer at800/552-9410, fax at 320/251-8110, or visit www.wolterskluwer.com.

ON-SSITE SEMINARSDates and LocationsJAN 10: Holiday Inn, Rockford***JAN 11: Starved Rock Lodge, Utica***JAN 12: Stoney Creek Inn & Conference Center, Moline***FEB 2: Holiday Inn, Naperville*FEB 28: Holiday Inn, Urbana***MAR 1: Doubletree Hotel, Schaumburg***MAR 6: Fairfield Inn, Mt. Vernon***MAR 7: Hilton Garden Inn, Springfield*MAR 8: Hilton Garden Inn, Springfield***

*Beginner Session**Intermediate Session***Advanced Session

Spring and Fall series to be announced

Many of the seminars, schools, and other programsdescribed in this catalog may be conducted at your com-munity bank. Most can be customized to meet your needs.Additionally, the CBAI education staff can help you locatea speaker for a training session your bank is creating.

To learn more about in-bank training programs, call TracyMcQuinn, Valerie Johnston, or Melinda McClelland in theEducation Department at 800/736-2224.

IRA Training

In-Bank Training


Founded in 1998, BankersEdge is a leading provider ofonline learning solutions for the banking marketplace. It works closely with its clients to develop tailored learningsolutions, drawing from our comprehensive array of tech-nology, instructional design, and consulting services. With more than a decade of expertise in training manage-ment, learning development and consulting, combinedwith a detailed focus on business results, BankersEdgehelps its customers develop tailored training programs tomeet their strategic business objectives.

Courses & Learning DevelopmentBankersEdge provides a comprehensive catalog of onlinetraining courses, each designed to ensure that employeesare receiving the most up-to-date and accurate training inthe industry. The breadth of our courses supports regulatorycompliance, essential financial skills, and professional skills.

BankersEdge’s learning content not only ensures accuracyand compliance, but also provides the professional toolsto support the integrity of your customer experiences.Moreover, its multimedia courses offers a new dimensionto student engagement and employee development.Whether the training program is governed by compliance,talent management, or other organizational developmentprinciples, our courses and learning content can be tai-lored to support a wide variety of training programs andobjectives.

Learning TechnologyBankersEdge provides hosted authoring, LMS, and Admin& Reporting learning technology solutions designed tomeet a wide variety of business needs. Technology is acritical instrument in realizing any training strategy.Whether the challenge is driven by ease of use and sim-plification, compliance, or extensibility in support of com-plex and forward-thinking training strategies, BankersEdgetechnology is integral to enabling any training program.

Customer Training SolutionsBankersEdge offers Custom Training Solutions (CTS) as acomplement to authoring tools that are hosted byBankersEdge. Its in-house instructional design service canbe used to develop online training programs for yourorganization when additional resource or subject matterexpertise is required. Its Custom Training Solution team is comprised of experienced instructional designers, banktrainers, and consultants who partner with you to develop a training program that matches your unique vision and goals.

Customer ServiceThe customer experience within BankersEdge is not onlya core value of our company, it defines the way it servesits customers. BankersEdge appreciates that a customer'sexperience is defined by actions, not just words. It organ-izes its service, relationship, and message around its cus-tomers to provide continuity. Each customer is assigned adesignated account executive and customer care represen-tative. Its customer care team members are not merelyassigned to customers in a shared resource pool, but arecommitted to service customers for the life of the relation-ship, ensuring service continuity. BankersEdge comple-ments its Customer Care Team with instructional designersand IT professionals to responsively and knowledgeablyaddress technical subjects when the need arises.

Contact BankersEdge for more information at 877-999-3343or [email protected].

Distance Learning


The future of community banking depends upon a newgeneration of bankers — progressive, energetic, communi-ty-minded, and well-informed. CDD is designed for career-aspiring bankers who are more than 21 years ofage and are employed by a CBAI member bank or associ-ate member firm. Listed below are the benefits profession-als receive when becoming a member:

• The People — The contacts you develop through CDDare an invaluable resource of ideas and information. When facing a challenge or a new banking issue, you will have a network of individuals to draw upon for solutions.

• Leadership Training — Take an active role in moving up the management ladder. CDD is governed by a 13-member board of directors. Test your leadership skills at the board level.

• Information — CDD members receive Banknotes, CBAI's bi-monthly magazine, which keeps you abreast of political issues, laws and regulations, CBAI activities, as well as products and services available through CBSC and CBIS. Each issue contains an article on CDD activities. In addition, CDD members receive the electronic newsletter, Eagle Express, bi-monthly, and the CBAI e-newsletter bi-weekly. The Eagle Express is exclusively provided to CDD members.

• Activities — CDD hosts an Annual Fall Meeting and Spring Conference. CDD is an active participant during CBAI’s Annual Convention: CDD sponsors an educa-tional break-out speaker; promotes CDD membership by exhibiting at the exposition; and contributes to Community BancPac by conducting the popular “Skins and Mulligans” game during the Annual Golf Tourn- ament and Group Meetings and by donating to the BancPac raffle.

• Economic Education Program — CDD members are encouraged and rewarded for becoming involved in economic education within their communities. They areprovided with various resource documents whichinclude pamphlets, coloring books, videos, and lesson plans. CDD also provides its members with the “Careersin Community Banking” document, which can be used at job fairs, bank tours, and educational sessions.

• Discounts — CDD members receive a 10-percent discount on all one-day seminars.

• Recognition — CDD members select a “CDD Banker of the Year.” Criteria for selection include involvement and personal achievement. CDD also awards the“Economic Educator of the Year” at the Annual Spring Conference.

Annual Membership Fees: First Person $135

Each Additional $95

CDD Spring Conference & Mini-EExposition

March 21 & 22, 2012

Hilton Hotel, Springfield

CDD Fall Meeting

October 22 & 23, 2012

I Hotel & Conference Center, Champaign

Career Development Division


TRACY MCQUINN, SENIOR VICE PRESIDENTHolding a master's degree in higher-education administra-tion, Tracy is responsible for program development, one-day seminars, and institutes and programs for directors,CEOs, and lenders. The Community Bankers School, aswell as distance learning programs, are also in her care.

VALERIE JOHNSTON, VICE PRESIDENTHolding a master's degree in communications, Valeriecoordinates the advertising, publicity, and marketing effortsfor the education department. She is also responsible forall compliance and auditing-related training programs, salesseminars, Marketing Groups, Marketing Conference, andWomen in Community Banking Conference.

MELINDA MCCLELLAND, VICE PRESIDENTAlong with a MBA from the University of Illinois atSpringfield, Melinda also has three years of banking experi-ence. She is responsible for the Career DevelopmentDivision, front-line training, Banking Essentials Series, BranchManagers Forums, Operations/ Technology Groups, technol-ogy seminars, and additional one-day seminars.

TERRY GRIFFIN, CAE, CHICAGO AREA VICE PRESIDENTWith more than 25 years in association management, Terryassists with the development, promotion, and staging ofChicago-area seminars.

REBECCA RIDGEWAY, ADMINISTRATIVE ASSISTANTWith nearly 15 years’ experience, Rebecca is responsiblefor the registration process, assemblage of manuals, andall education promotional mailings.

JENNIFER NIKA, ADMINISTRATIVE ASSISTANTWith experience in business and at the Commissioner ofBanks and Trust Companies (now known as the IllinoisDepartment of Professional and Financial Regulation),Jennifer is responsible for the department's finances. Shealso assists with CBAI's annual convention and groupmeetings.

REGISTRATION FEESEarly-bird registration fees apply to those individuals regis-tering one month prior to the date of the program. Afterthat date, regular registration fees become effective.

CBAI offers a rebate to prospective member banks. Thedifference between the member and a prospective mem-ber seminar registration fee may be applied toward CBAImembership dues. This is an excellent way to supportcommunity banking and receive all CBAI member bene-fits. This offer is valid for 30 days following the date ofthe seminar.

SUBSTITUTIONS AND CANCELLATIONSIf you can’t attend, you can send a substitute (with theexception of CEO Forums, Senior Lender Forums,Operations/Technology Groups, and Marketing Groups) –just call us at CBAI. Cancellations received less than twodays before the program are subject to a service charge orliable for the entire fee in certain cases. All cancellationsmust be made in writing prior to the seminar date.The full fee is payable at the time of registration. Pleasenote: all fees are subject to change without notice.

Please note that CBAI does not issue confirmations, withthe exception of on-line registrations, but feel free to callthe Association headquarters to confirm your registrationor determine other participants for car-pooling purposes.

CONTINUING PROFESSIONAL EDUCATION (CPE)CBAI is a registered Public Accounting ContinuingEducation provider. Most of CBAI’s seminars and institu-tions qualify for six hours of continuing education credit.Ask the CBAI staff person in attendance to provide a letterattesting to participation.

Education Staff

Registration Policies

PPlleeaassee PPrriinnttProgram Title Program Date

Location

Name of Bank E-mail

Address Tel. No.

City, State, Zip

Name/Title:

Name/Title:

I have special needs, please contact me before the seminar.

PPlleeaassee sseelleecctt yyoouurr ppaayymmeenntt mmeetthhoodd..Check Enclosed Check in Mail Pay at Door Credit Card*

**IIff yyoouu aarree ppaayyiinngg bbyy ccrreeddiitt ccaarrdd,, pplleeaassee ffiillll oouutt tthhee ffoolllloowwiinngg iinnffoorrmmaattiioonn.. ((VViissaa aanndd MMaasstteerrCCaarrdd aacccceepptteedd))..

Name as It Reads on Card Card Number

Company Name on Card Expiration Date

Billing Address of Card

MMaaiill iitt iinn:: FFaaxx iitt iinn::CBAI Education Department (217) 585-88738901 Community DriveSpringfield, IL 62703-55184

CCaallll iitt iinn:: CClliicckk iitt iinn::(217) 529-22265 www.cbai.com(800) 736-22224 (Illinois only)

Registration Form


Name/Title

Name of Bank Tel. No.

Address Fax No.

City, State, Zip

E-Mail Address

Category (Please select the category of seminar you would like to receive).Operations Lending Compliance Marketing/Business Development

Trust Internal Auditor Branch Manager Trainer Bank Director Security

Please fax this form to CBAI Education Department at 217/585-8738. For additional individuals/categories, please duplicate this form.

CBAI’s promotional schedule begins eightweeks prior to a seminar with an e-mmailof the brochure. At six weeks prior, ahard copy of the brochure is mailed tothe bank contact. (This is the only hardcopy distributed). A one-ppage flier high-lighting key aspects of the seminar isfaxed three weeks beforehand. Seminarsare also highlighted in CBAI’s bi-wweeklye-nnewsletter.

SSiiggnn uupp nnooww ttoo rreecceeiivvee tthheessee pprroommoottiioonnss vviiaa ee-mmaaiill,,aass wweellll aass CCBBAAII’’ss bbii-wweeeekkllyy ee-nneewwsslleetttteerr..

p.s. cbai members receive significant discounts on all...

Documents