2019 SEMINAR SCHEDULE

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1 ProBank Austin is an industry-leading provider of Continuing Education programs for financial professionals. Our education programs are led by nationally recognized industry experts who address complex, ever-changing compliance issues that every financial institution faces. Instructors use manuals, visuals, and most importantly hands-on experience to guide all attendees for real-world understanding and application of each topic.

2 2019 Regulatory Compliance School - Louisville, KY ProBank Austin is pleased to present a 2019 Regulatory Compliance School in Louisville, Kentucky on March 4-8, Come and hear from our professional, nationally-recognized presenters and subject matter experts on the regulatory compliance requirements you need to know. Learn about trending topics relevant to you, including deposit issues, overdrafts, UDAAP, BSA Customer Due Diligence/Beneficial Ownership, E-Sign Rules, Compliance Risk Management, TRID, HMDA and much more. Our instructors will cover each topic with emphasis on the regulatory compliance requirements and trends. You will also receive training materials that will serve as a reference tool for you after the program. Come network with your peers and share experiences. Each seminar will include a Q & A discussion. You will hear from our consulting experts who address your issues and concerns as a part of our industry-leading compliance consulting practice. The knowledge you will gain by attending this conference will be rewarding to you time and time again. You will enjoy knowledge sharing, comprehensive training and interacting with your peers, colleagues and ProBank compliance professionals. This program will be beneficial to anyone involved in real estate lending compliance, mortgage lending, deposit operations, fair lending, and BSA. It will be an exciting, in-depth training experience you will not want to miss. Register early. Receive CPE Credit for your attendance. Visit to learn more. TOPICS COVERED Deposit and Lending Hot Topics Overdraft Rules Regulation E Disaster Response Compliance Risk Management Website ADA Compliance edisclosure Rules Cybersecurity Lending to Servicemembers Real Estate Settlement Procedures Act Truth-in-Lending Act TRID Challenges TRID and Construction Loans Regulation B and Applications Escrow Rules Commercial Lending Fair Lending Managing Third-Party Risk Home Mortgage Disclosure Act BSA/AML Hot Topics SARs and CTRs Beneficial Ownership and Customer Due Diligence Fintech/Marketplace Lending Registration Fee: $1,875 First Attendee Bring a Colleague! $1,675 Each Additional Attendee

3 AR Little Rock Oct 23 CA Los Angeles Feb 28 Ontario Feb 27 San Jose Feb 26 CO Aurora/Denver Jun 5 Colorado Springs Jun 4 DE Newark May 16 IL Bloomington Apr 25 Collinsville/O Fallon May 8 Effingham May 7 Mt. Vernon May 9 Naperville/Lisle Apr 24 Rockford Apr 23 IN Evansville May 16 KS Topeka Oct 9 Wichita Oct 10 KY Bowling Green May 15 Ashland/Grayson Sept 18 Erlanger/Hebron/ Cincinnati Feb 8 Lexington Sept 19 ANTI-MONEY LAUNDERING AND BANK SECRECY ACT COMPLIANCE This seminar highlights the increased federal expectations for BSA. Beneficial Ownership, and the ever-increasing importance of Customer/Member Due Diligence standards, and the Final Regulations implemented in May 2018 are reviewed in detail. The changes predicated by the latest update to the Suspicious Activity Report (SAR) are identified. The latest guidelines on account management, ongoing monitoring, and due diligence expectations for Money Services Businesses (MSB), Third-Party Payment Processors (TPPP), Marijuana Related Enterprises (MRE), and other High-Risk Clients are highlighted, while the ever Increasing issue of de-risking /client re-evaluation is discussed. Institutional risk assessments and the latest guidance on high-risk products and services, cyber events and cyber-related crime, compromise fraud schemes, human trafficking and human smuggling, Elder and Vulnerable Adult exploitation, and disaster-related fraud are reviewed. KY Louisville Apr 16 Paducah May 14 MA Framingham Mar 6 Springfield Mar 7 Woburn/Burlington Mar 5 MD Baltimore May 17 MN Minneapolis Sept 25 St. Cloud Sept 24 MO Kansas City Oct 8 Springfield Feb 19 St. Louis Feb 22 NC Asheville Jun 18 Charlotte Jun 19 NJ Clark/Newark Apr 25 NY Albany Mar 13 Buffalo/Amherst Mar 11 Queens Mar 14 Syracuse Mar 12 OH Akron Feb 6 Columbus Feb 7 Dayton Apr 18 OH Cincinnati Feb 8 Toledo/Holland Apr 17 PA Allentown/Bethelem Apr 24 Coraopolis/Pittsburgh Feb 5 Harrisburg May 14 Philadelphia May 15 Scranton Apr 23 SC Columbia Jun 20 TX Abilene May 22 Houston Oct 22 Lubbock May 23 Wichita Falls May 21 UT Salt Lake City Jun 6 VA Charlottesville Sept 11 Richmond/Sandston Sept 12 Roanoke Sept 10 WI Milwaukee Sept 26 WV Charleston Sept 17 CA Ontario Sept CO Aurora/Denver Aug IL Bloomington Aug /Naperville Aug KY Erlanger/Hebron Jun Lexington Aug 7-8 LA New Orleans Jul MA Milford Sept ANTI-MONEY LAUNDERING AND BANK SECRECY ACT COMPLIANCE SCHOOL Two-Day Seminar Registration Fee...$715 This two-day school covers in detail the issues and opportunities in the ever-expanding environment of the Bank Secrecy Act and reviews the entire realm of BSA from A to Z. From decades old Currency Transaction Reporting (CTR) and various record-keeping requirements, to Institutional Risk Assessment, Customer/Member Due Diligence (CDD), Beneficial Ownership expectations, and Suspicious Activity Reporting, students from the novice appointee to the tenured BSA professional will find the discussions and interactions to be of great value. MD Baltimore Sept MN Minneapolis Jul 9-10 MO Kansas CIty Jun St. Louis Jun NJ Clark/Newark Sept NY Albany Jul Syracuse Jul OH Columbus Jul Erlanger/Hebron Jun OK Oklahoma City Oct 8-9 PA Coraopolis/ Pittsburgh Jun Harrisburg Sept PA Philadelphia Oct Scranton Oct TX Dallas/Irving Jun 4-5 Houston Oct San Antonio Jun 6-7 WA Seattle Aug WV Charleston Jul IL Bloomington Nov 21 Naperville/Lisle Nov 20 Rockford Nov 19 IN Evansville Oct 22 KY Bowling Green Oct 23 Lexington Nov 15 Louisville Oct 24 MA Milford Nov 7 NJ Clark/Newark Oct 28 NY Albany Nov 6 Syracuse Nov 5 ACH PROCESSING & COMPLIANCE This one-day program reviews all aspects of ACH Processing including: NACHA Rules Changes, Self-Audit Procedures, Green Book Processing, Processing Risks, and Regulatory Impacts. This seminar provides attendees with the opportunity to network with other professionals interested in ACH processing and compliance. OH Cincinnati Nov 13 OK Oklahoma City Dec 17 PA Coraopolis/ Pittsburgh Nov 12 Harrisburg Oct 29 Philadelphia Oct 30 TX Dallas/Irving Dec 18 San Antonio Dec 19 WV Charleston Nov 14 PLUS... A COMPLETE AND COMPREHENSIVE DESKTOP REFERENCE MANUAL & FREE TELEPHONE SUPPORT FOR NINETY-DAYS!

4 IL Effingham Apr 9 Schaumburg/ Arlington Heights May 21 Springfield Feb 26 KS Wichita Feb 5 LA New Orleans/Kenner May 14 MA Burlington Feb 21 Marlborough Jun 18 MO Kansas City Feb 19 St. Louis Apr 16 OH Cincinnati May 21 MORTGAGE LENDING: START TO FINISH This one-day seminar will cover existing disclosure requirements for mortgage loans secured by real estate including the Integrated Mortgage Disclosure requirements, (TRID rules). The seminar will bring together the requirements necessary to ensure compliance for closed-end, consumer purpose real estate secured loans. This seminar specifically focuses on the disclosure process under the various lendingrelated regulations. OK Oklahoma City Feb 12 PA Monroeville Mar 26 Scranton Jun 11 TN Knoxville/Alcoa Jun 25 TX Dallas/Irving Mar 19 Killeen May 7 WI Milwaukee Feb 12 PLUS... A COMPLETE AND COMPREHENSIVE DESKTOP REFERENCE MANUAL & FREE TELEPHONE SUPPORT FOR NINETY-DAYS! TRID COMPLIANCE: FACING THE CHALLENGES This one-day intermediate/advanced level seminar is designed to help you navigate the complicated and confusing world of the Loan Estimate and Closing Disclosure, and includes all recent clarifications and revisions made to the rules. This seminar has been designed to help as you comply with the new Integrated Mortgage Disclosures, including recent changes and clarifications. The comprehensive seminar manual serves as a detailed analysis of the TRID rules, including the amendments, and serves as a valuable reference tool. IL Effingham Apr 10 Schaumburg/ Arlington Heights May 22 Springfield Feb 27 KS Wichita Feb 6 LA Kenner May 15 MA Marlborough/ Milford Jun 19 MO Kansas City Feb 20 St. Louis Apr 17 OH Cincinnati May 22 OK Oklahoma City Feb 13 PA Monroeville Mar 27 Scranton Jun 12 TN Knoxville/Alcoa Jun 26 TX Houston Apr 22 Irving Mar 20 Killeen May 8 WI Milwaukee Feb 13 MASTERING HMDA A one-day seminar providing a comprehensive review of the Home Mortgage Disclosure Act (HMDA) and the CFPB s Regulation C. A real world, practical approach to HMDA compliance. Learn how the CFPB s final rule has changed HMDA! Hear how the changes and implementation phases have impacted the institutions and transactions covered; the information required to be collected and recorded; and the process for reporting and disclosing that data. IL Effingham Apr 11 Schaumburg/ Arlington Heights May 23 Springfield Feb 28 KS Topeka Apr 23 Wichita Feb 7 KY Bowling Green Mar 21 Lexington Mar 20 LA Kenner May 16 Lafayette Apr 10 Lake Charles Feb 27 MA Marlborough/Milford Jun 20 Springfield Feb 14 MD Baltimore/ Linthicum Heights Jun 12 MO Kansas City Feb 21 St. Louis Apr 18 NJ Trenton Feb 19 NY Buffalo/Amherst Jun 18 Syracuse Jun 19 OH Cincinnati May 23 Youngstown Apr 3 OK Oklahoma City Feb 14 OR Portland Jun 4 PA Erie Apr 2 Grantville/Harrisburg Feb 5 Johnstown Feb 27 Monroeville Mar 28 Scranton Jun 13 SC Greenville Mar 12 TN Knoxville/Alcoa Jun 27 TX Houston Apr 23 Irving Mar 21 Killeen May 9 WI Milwaukee Feb 14 NATIONAL ASSOCIATION OF STATE BOARDS OF ACCOUNTANCY ProBank Austin is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www. nasbaregistry.org.

5 FUNDAMENTALS OF OPEN-END CREDIT This comprehensive seminar will review in depth the open-end requirements and issues under various laws (e.g., What is the outstanding principal balance for flood insurance determinations?), but focusing on the Truth-in-Lending Act/Regulation Z. We will discuss the compliance rules applicable for all lines of credit, including unsecured lines of credits and credit cards, but will spend much of the day reviewing HELOCs. The manual will provide detailed analysis of the rules and serves as a valuable reference tool. CO Aurora/Denver Apr 8 IL Schaumburg/ Arlington Heights Mar 11 KS Wichita Feb 4 KY Lexington Jun 17 MA Marlborough May 6 NJ Trenton Feb 20 OH Cincinnati Mar 18 OK Oklahoma City Feb 11 OR Portland Jun 3 PA Coraopolis/ Pittsburgh Jun 24 WV Bridgeport Apr 15 REAL ESTATE LENDING COMPLIANCE Three-Day Seminar Registration Fee...$1,055 This program is designed to offer the attendee instruction on all the topics that affect consumer mortgages. This seminar is structured to address Fair Lending related topics followed by focusing on disclosures and contract provisions of the major consumer protection topics such as Regulation Z, RESPA and others. This program is a must for those entering the regulatory compliance world or those responsible for pre closing file preparation or post closing file review. CO Aurora/Denver Apr 9-11 IL Arlington Heights Mar Springfield Feb 5-7 KY Lexington Jun Paducah Jun LA Bossier City Feb New Orleans/Kenner May 7-9 MA Marlborough/Milford May 7-9 MD Baltimore Apr 2-4 MO Kansas City Jun 4-6 St. Louis May OH Akron Mar Cincinnati Mar PA Coraopolis/Pittsburgh Jun SC Columbia Jun TX Farmers Branch Apr 9-11 VA Charlottesville Apr WA Seattle Feb WV Bridgeport Apr PLUS... A COMPLETE AND COMPREHENSIVE DESKTOP REFERENCE MANUAL & FREE TELEPHONE SUPPORT FOR NINETY-DAYS! MD Baltimore Jun 11 MO St. Louis May 9 PA Coraopolis/Pittsburgh Feb 28 Johnstown Feb 26 SC Greenville Mar 13 HOW TO ENSURE COMPLIANCE WITH DEPOSIT REGULATIONS This program provides a simple and effective way to ensure key personnel are up-to-date on current federal deposit regulations. The major federal regulations governing deposits are explained in plain, easy-to-understand language. Walk away from the seminar knowing exactly what your institution needs to do to achieve total compliance. NATIONAL ASSOCIATION OF STATE BOARDS OF ACCOUNTANCY ProBank Austin is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

6 FAIR LENDING AND CRA COMPLIANCE The Community Reinvestment Act and Fair Lending continue to be top compliance priorities for federal regulators. As this focus continues, large, medium and small institutions all may be at risk for rating downgrades, redlining allegations, and targeted examinations. This seminar focuses on best practices in risk management and the practicalities of CRA and Fair Lending compliance LA Bossier City Jan 29 Lafayette Apr 9 Lake Charles Feb 26 MA Milford Feb 12 Springfield Feb 13 OH Youngstown Apr 4 PA Grantville Feb 6 PLUS... A COMPLETE AND COMPREHENSIVE DESKTOP REFERENCE MANUAL & FREE TELEPHONE SUPPORT FOR NINETY-DAYS! DEPOSIT DOCUMENTATION What is the difference between joint with rights of survivorship and tenants in common? What is a revocable living trust and how do we document it? Do we really need a corporate resolution? How do we open accounts for minors? Have you or someone at your institution asked these questions and others like them? If so, don t miss this seminar. The focus is on the day the account is opened. It provides hard to get state law requirements for ownership and documentation. Attendees learn the why behind standard operating procedures. The program also covers CIP procedures and IRS Reporting compliance issues. AR Little Rock Jul 18 CO Aurora/Denver Nov 20 Colorado Springs Nov 19 IL Champaign Aug 7 Collinsville Aug 15 Moline Aug 13 Mt. Vernon Aug 8 Schaumburg/ Arlington Heights Aug 6 Springfield Aug 14 KY Bowling Green Jul 25 Lexington Aug 21 MD Baltimore Dec 5 Columbia Dec 4 Easton Dec 3 MN Bloomington Dec 18 St. Cloud Dec 17 MO Kansas City May 7 St. Louis May 8 NY Albany Jul 10 Buffalo/Amherst Jul 9 Flushing Jul 11 OH Cincinnati May 22 OK Oklahoma City Jul 16 Tulsa Jul 17 PA Coraopolis Nov 13 Harrisburg Nov 6 Philadelphia Nov 7 Scranton Nov 5 SC Greenville Mar 14 TN Chattanooga Jul 23 Nashville Jul 24 TX Austin Dec 10 Dallas/Irving Apr 9 Houston Apr 11 Killeen Dec 11 San Antonio Apr 10 Wichita Falls Dec 12 WV Charleston Aug 20 WI Madison Oct 15 Milwaukee Oct 16 ProBank Austin training is great. I ve attended several different sessions, with several different instructors and never been disappointed. Online Survey Respondent Kansas City / April 2017 ProBank continues to be my first choice for outstanding training opportunities. The manual is a valuable resource tool and the one-year calling privileges are important for further clarifications. ProBank has not disappointed me in over 20 years of attending their seminars! Online Survey Respondent February 7, 2017 / Pittsburgh, PA This seminar was extremely informative, I left feeling like my knowledge of the subject was expanded greatly. Online Survey Respondent August 22, 2017/ Albany, NY

7 ADVERTISING COMPLIANCE BOOT CAMP WITH WORKSHOP A one-day seminar providing a comprehensive review of the advertising rules for lending and deposits. Financial institutions continue to struggle with advertising regulatory requirements, particularly when the competition seems to get away with not complying. Join this one-day seminar to learn the ins and outs of the advertisement compliance rules as well as what is not in the regulations that should be considered to avoid costly products or risk. We will dive into Regulation DD, Z, UDAP/UDAAP, CAN SPAM, COPPA, FCRA, NDIPs, RESPA and more. We will also explore business considerations that could create costly products or present higher risk, including potential UDAP/UDAAP risk. AL Huntsville Jan 30 KS Wichita Mar 13 OK Oklahoma City Jan 23 NY Syracuse May 8 NATIONAL ASSOCIATION OF STATE BOARDS OF ACCOUNTANCY ProBank Austin is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www. nasbaregistry.org. COMPLIANCE RISK MANAGEMENT PROGRAM A one-day seminar providing a comprehensive look at building and maintaining a Compliance Risk Management Program (CRMP). Already have a CRMP in place? This seminar will cover more than the core compliance management program; it will guide you to take your program to the next level. For all, this seminar will show how to efficiently maintain your CRMP. AL Huntsville Jan 31 KS Wichita Mar 14 OK Oklahoma City Jan 24 NY Syracuse May 9 The most valuable part of the program was the speaker s presentation. Valuable insights and personality brought attention to the subject matter that I would normally find difficult to follow due to numerous government regulations. Online Survey Respondent April 18, 2018 / Newark, DE UDAP/UDAAP: WHAT IT IS AND HOW TO SPOT IT A one-day seminar providing a comprehensive look at the rules governing unfair, deceptive and abusive acts and practices. We will shed light on what UDAP/UDAAP (collectively UDAAP ) actually means and how to look for it. This seminar will also include a hands-on workshop where you will review scenarios to see how to identify UDAAP concerns. AL Huntsville Jan 29 KS Wichita Mar 12 OK Oklahoma City Jan 22 NY Syracuse May 7 PLUS... A COMPLETE AND COMPREHENSIVE DESKTOP REFERENCE MANUAL & FREE TELEPHONE SUPPORT FOR NINETY-DAYS!

8 WEBINAR ABILITY TO REPAY Friday, February 8, :00 PM - 3:00 PM EST The Dodd-Frank Act, and its implementing rule in Regulation Z, Section 43, introduced in federal lending compliance regulations certain basic underwriting requirements that financial institutions must follow for mortgage loans. What does the Ability-to-Repay (ATR) rule require the institution to do? What is a qualified mortgage, and what is the advantage of doing a qualified mortgage? Can your institution originate a small creditor qualified mortgage? What is Appendix Q? In addition to reviewing the requirements of the rule, we ll discuss in-depth the changes that have occurred since the rule became effective. We will also discuss the impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act (it added a new qualified mortgage!), which was signed into law May Understanding the rule s obligations is fundamental in establishing and understanding a creditor s comprehensive underwriting program. When a loan is subject to the ATR requirements; Compliance options, including the various qualified mortgages; and Appendix Q. REGULATION CC: AN OF PROPOSED AMENDMENTS TO REGULATION CC. Thursday, February 21, :00 PM - 3:30 PM EST Section B of Regulation CC addresses funds availability, case-by-case holds, exception holds and notice requirements. We deal with this section on a day-to-day basis in deposit operations. In 2018, certain amendments to Regulation CC went into effect. However, these amendments did not have an impact on how we handle holds or our funds availability under Section B. The proposed amendments, on the other hand, will require significant updates to our policies and procedures. The proposals, if implemented, will affect: The amount of deposited funds that financial institutions must make available for withdrawal by opening of business on the next day; Cash withdrawal limitations; New account funds availability; The large deposit exception hold; and The repeat overdraft exception hold. Join us for an explanation of these proposed changes and a discussion of the potential impact on the financial institution s deposit operations! Natalie Straus, CRCM, Vice President and Senior Consultant, ProBank Austin TRID: THE BASICS FOR LENDERS Thursday, February 21, :00 AM - 1:00 PM EST Loan originators are an extremely important part of the lending process in addition to originating the loan and creating business for the financial institution, they advise and explain the process and disclosures to their customers. Also, depending on the institution, a loan originator may be responsible for preparing the early disclosures. With the TILA/RESPA integrated disclosure, loan originators have to be aware of the timing and procedure of the disclosures, as well as to understand and discuss the Loan Estimate and the Closing Disclosure to consumers. This webinar will provide an overview of the TRID rule and discuss the general aspects of the TRID rule as they relate to typical loan originator functions. The forms and rules will be presented in the order of an application process, beginning when the lender receives an application through closing. The Loan Estimate form and timing requirements; Importance of the shopping list; When and why we provide revised Loan Estimates (tolerance concerns); and The Closing Disclosure form and timing requirements.

9 HMDA: THE BASICS FOR LENDERS Friday, February 22, :00 PM - 3:00 PM EST 2019 WEBINAR Loan originators are an extremely important part of the lending process in addition to assisting customers and helping to originate a loan, in the course of the application process they collect information about the transaction. Loan originators are critical in identifying which transactions may be subject to HMDA reporting and in ensuring that the institution is completing its Loan Application Register correctly. This webinar will provide an overview of the new HMDA requirements rule the transactions subject to HMDA reporting and what data information is required with a focus on what information a loan originator may be responsible for. Which transactions are subject to HMDA reporting (and which are not); Data collection information; and Data collection chart. APPLICATION: WHAT IT IS, WHAT IT ISN T, AND WHAT AN INSTITUTION HAS TO DO Monday, February 25, :00 PM - 4:00 PM EST Whether an institution has received an application for federal lending compliance purposes is incredibly important once an institution has received one, many compliance obligations are triggered. Although it seems relatively simple, it is anything but. One, the definitions for an application under federal lending compliance laws can be different, depending on the circumstances, which causes misunderstandings. Also, the line between an inquiry/prequalification, a preapproval, an application, and a completed application can be blurry, with the result that lenders often become confused as to when certain requirements under compliance laws are applicable. This webinar will delve into the complexities of the initial stages of the application process: the definitions, the initial requirements, and the timing. You ll learn how laws differ as to the definitions, and the practical importance these definitions may have with respect to your products and processes. We ll also review certain requirements, and their timing, that are related to the application itself. Throughout the webinar, we ll see how commercial loan applications may vary from consumer loan applications. In this webinar, you will learn the following, among other topics: Definitions: What is the definition of application under ECOA/Regulation B, HMDA/Regulation C, Truth-in-Lending/Regulation Z, RESPA/Regulation X? How is a prequalification or preapproval different? What is an incomplete application? What is a completed application? What is their significance? Requirements: What is an institution required to do for a prequalification? For a preapproval? For an application? What information is allowed or required to be requested with an application? What information is required to be provided at application under ECOA/Regulation B and Truth-in-Lending/Regulation Z? What other early disclosures are there? NATIONAL ASSOCIATION OF STATE BOARDS OF ACCOUNTANCY ProBank Austin is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

10 ADVERSE ACTION NOTICES WHAT TO DO & WHEN TO DO IT! Tuesday, February 26, :00 AM - 12:30 PM EST 2019 WEBINAR Adverse action notification is a compliance requirement that must be done just right! Accurate completion of adverse action notices is important for several reasons in that their accuracy and timeliness are reviewed during compliance exams, the notices serve as one of the first steps in fair lending examinations, and, significantly, for certain institutions subject to HMDA reporting, the reasons for denial are required reporting on the Loan Application Register. Adverse action is one of the more confusing compliance problems. It seems like we just never seem to get it right. Why is informing the customer about the credit decision so difficult? It should be common sense; however, some applications just linger for days or months with no action. Every application must be closed-out. This webinar is loaded with practical answers and clear guidance. You ll learn when an application is complete, when to send a notice to the customer and what to say in the notice. You ll also learn the differences between the notices required under the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA) and what you should do when the denial reasons are due to items in the consumer s credit report or the consumer s credit score. We ll also review the HMDA requirements to report the reasons for denial. What is the definition of adverse action? When is an application complete? How many reasons for denial should you give? What are common errors in completing adverse action notices? What are the requirements for incomplete applications? How do you properly document withdrawn applications? What is the best approach in handling counteroffers? What are the timing requirements for denials under Regulation B? What if the denial reason came from the credit report or the credit score? What should you do if the borrower or co-borrower, or both, has bad credit or bad credit scores? Who gets the notice? What is the difference between the FCRA and ECOA notices? Is it important to conduct a second level review of adverse action notices for fair lending purposes? ECOA: JOINT INTENT AND THE SPOUSAL RULES Tuesday, February 26, :00 PM - 3:30 PM EST The Equal Credit Opportunity Act (ECOA), implemented in Regulation B, prohibits creditors from discriminating in a credit transaction. In addition to general fair lending requirements, the regulation also contains technical rules that attempt to prevent discrimination in specific ways - including rules regarding when and how creditors can obtain joint intent, marital status, information regarding the applicants and other persons, and signatures on loan documents. Of particular importance is spousal guarantees, which affects business loans. We continue to see institutions struggle with complying with these rules, even though the regulations have been effective for years. This webinar will review these specific rules in detail. We will discuss the importance of what joint intent is - and what it isn t - as well as when an institution can ask for information about a spouse and when an institution can have a spouse sign loan documents. Spousal guarantees will be a specific focus. The webinar will present these issues in order of the timing of the application process. Loan processors, officers, underwriters, and closers that assume that they re complying with the rules do so at risk - these are fair lending provisions, and if an Institution violates them, they may be automatically referred to the Department of Justice. Joint Intent, including practical tips on how to obtain. When an institution can obtain information regarding a spouse during the application process. Who can sign loan documents. What if an applicant is denied? Spousal guarantees.

11 COMPLIANCE ISSUES FOR COMMERCIAL LENDERS Wednesday, February 27, :00 PM - 4:00 PM EST 2019 SEMINAR WEBINAR SCHEDULE Providing compliance training to commercial lenders has long been a challenge for compliance officers. Commercial lenders often equate compliance responsibilities with consumer lending only, which can result in overlooking compliance issues that apply to them. Commercial lenders may feel that sitting through general compliance training is a waste of their time, especially since the training is often geared toward consumer products. However, many of the most important compliance laws and regulations do apply to commercial transactions, so it is essential that commercial loan officers and their support staff be up-to-date on all compliance-related topics. This webinar focuses on compliance issues exclusively from a commercial lending point of view, explaining in clear terms the most significant compliance issues affecting commercial loans. The topics covered in this program include the Flood Disaster Protection Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act, and other fair lending issues, as well as prominent regulations including Regulation O, Servicemembers Civil Relief Act, Community Reinvestment Act, the Fair Credit Reporting Act, Unfair and Deceptive Acts or Practices, and the Bank Secrecy Act. Participants will receive an outline to use for future guidance and will have the opportunity to pose questions to the speaker. Which regulations apply to the commercial lending function; What commercial lenders are required to do under each of these regulations; How non-compliance can affect your financial institution; and When required disclosures should be given. PROVIDING DISCLOSURES ELECTRONICALLY: THE E-SIGN RULE Thursday, February 28, :00 PM - 4:00 PM EST Financial institutions often are required to provide disclosures under the federal compliance rules. It would be easier (and less expensive!) to be able to provide these disclosures by , but sometimes the rules require that, in order for an institution to provide disclosures electronically, it needs to comply with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ). The E-Sign Act provides specific consent and verification requirements that an institution must follow before it can provide disclosures electronically. The E-Sign Act coverage and requirements; Rules that require compliance with the E-Sign Act; and What institutions can and can t do electronically when the E-Sign Act applies. ECOA: NOTIFICATION REQUIREMENTS Friday, April 19, :00 PM - 3:00 PM EDT The Equal Credit Opportunity Act (ECOA), implemented in Regulation B, prohibits creditors from discriminating in a credit transaction. In addition to general fair lending requirements, the regulation also contains technical rules that attempt to prevent discrimination in specific ways - including rules regarding when and how a creditor is required to provide notification. These rules not only require a creditor to let an applicant know of the status of an application, but also require a creditor to do so within a certain time. This webinar will review these rules in depth - what does an institution do if they need more information from the applicant? How long does a creditor have to review underwriting documents? What if a creditor wants to provide a counteroffer? What must be included in an adverse action? How does notification for business loans differ from consumer loans? What if an applicant withdraws an application? The Home Mortgage Disclosure Act/Regulation C requires institutions to report the action taken on the application. Although these rules are similar to ECOA notification, they can be different. For this reason, we will review HMDA s rules on reporting action taken, and how, perhaps, following ECOA s rules can cause issues for HMDA reporting. Definition of application Importance of completed and incomplete application Notification of Approvals; Conditional approvals; and Adverse actions. Counteroffers Withdrawn applications (ECOA versus HMDA) Business/agricultural loan notification requirements Timing Documentation