Introduction. Dates and Time YOUR CUSTOMER HAS FILED FOR BANKRUPTCY: NOW WHAT? March 29, 2016

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2 Introduction WHY PARTICIPATE? With interest rates at all-time lows for loans and investments, collecting every dollar owed your institution is more important than ever. If you have account holders or borrowers with at-risk debt, this series is for you. Attending this series teaches you the legalities, compliance issues, and best practices for collections, loan modifications, bankruptcy, charge-offs, garnishments, and levies. In addition, you learn how to avoid the liabilities inherent in the collection process. THREE REGISTRATION OPTIONS 1. LIVE WEBINAR The LIVE WEBINAR registration option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allows entrance to the seminar. The session is approximately 90 minutes, including question-and-answer sessions. Seminar materials are sent prior to the broadcast along with hookup instructions. Your pin number, hookup instructions, and handouts are ed to you. You need the most current version of Adobe Acrobat Reader available free at 2. ON-DEMAND WEB LINK Can't attend the live webinar? The on-demand web link is a recording of the live event including audio, visuals, and handouts. You even receive the presenter's address so you may ask follow-up questions. Within five business days following the webinar, you are provided with a web link that can be viewed anytime for the next six months. This link expires six months after the live program date. 3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK Includes options 1 and 2 above. Listen on your ipad, iphone, or Android (Instructions will be ed to you with the on-demand link). THE ESSENTIALS OF COLLECTION LAW January 13, 2016 ADVANCED COLLECTION CONCEPTS, COMPLIANCE & RISKS July 21, 2016 Dates and Time YOUR CUSTOMER HAS FILED FOR BANKRUPTCY: NOW WHAT? March 29, 2016 BEST PRACTICES FOR GARNISHMENTS & LEVIES: GETTING IT RIGHT! September 7, 2016 REAL ESTATE LOAN WORKOUTS, DEEDS IN LIEU, SHORT SALES, FORECLOSURES, DEFICIENCY JUDGMENTS & RECEIVERSHIPS May 25, 2016 MAXIMIZING RECOVERIES ON CHARGED-OFF LOANS October 27, 2016 All Debt Collection Series webinars are from 2-3:30 p.m. For More Information Tracy McQuinn, Senior Vice President Valerie Johnston, Vice President Melinda McClelland, Vice President Rebecca Ridgeway, Administrative Assistant Jennifer Nika, Administrative Assistant Department of Education & Special Events 800/ or 217/ Fax: 217/ Terry Griffin, Chicago Area Vice President 708/

3 If you think getting a reluctant borrower to make payment arrangements on a past due account is your biggest challenge in collections, think again! Recent litigation and enforcement actions have highlighted the immense risk facing the collections function. Besides lending, no operational area has undergone greater regulatory transformation. Both regulators and litigators have been keenly focused on efforts to collect past due accounts and recover collateral. At the heart of the scrutiny is increased emphasis on consumer protection from the CFPB and the rising tide of lender liability lawsuits. Bankruptcy filings are becoming more complicated. This webinar explains the actions that must be taken to protect your financial institution's interests, and the actions that are prohibited. Although the webinar focuses on consumer bankruptcies, commercial bankruptcies are covered, too. Residential and commercial real estate loan problems continue to trouble financial institutions. There are several alternatives to consider when dealing with troubled real estate loans, including workouts, deeds in lieu, short sales, foreclosures, and deficiency judgments. All of these options pose a certain amount of risk exposure, so making a mistake could result in losses that far exceed the amount of the loan. THE ESSENTIALS OF COLLECTIONS LAW January 13, 2016 YOUR CUSTOMER HAS FILED BANKRUPTCY -- NOW WHAT? March 29, 2016 From fair lending, to the risks of using automated reminder calls, to servicing real estate loans, it is a dangerous world for the unprepared collections department. This webinar reviews the landmines inherent in collection efforts and the impact they have on operations, vendors, and borrowers. Join us to learn immediate action steps to ensure your institution is prepared for the added scrutiny. This program addresses the more difficult situations such as when a cram down is permitted, when a reaffirmation agreement is required, what constitutes a fraudulent transfer or preference payment, and when a lien is effective against exempt property. Attending this webinar provides the knowledge necessary to strengthen your institution's position in Chapter 7, 11, and 13 bankruptcies. REAL ESTATE LOAN WORKOUTS, DEEDS IN LIEU, SHORT SALES, FORECLOSURES, DEFICIENCY JUDGMENTS & RECEIVERSHIPS May 25, 2016 This webinar explains all aspects, risks, and proper steps for each alternative so you can properly evaluate which is best for each situation. ADVANCED COLLECTION CONCEPTS, COMPLIANCE AND RISKS July 21, 2016 Which operational area of your institution is most likely to drive a borrower into the arms of a consumer rights attorney? Collections! What are you doing to manage the many hidden compliance risks in your collections area while also maximizing recoveries? The collections function is not just about dialing for dollars and repossessing collateral. The collections area is at the crossroads of account services and back-office operations. You need to know the risks and opportunities that present themselves. Is your collections department ready to help both the borrower and the institution weather the storm? From dealing with staff, to delinquent borrowers, to attorneys, to the board and senior management, the collections manager's job is becoming more difficult all the time. Collections is not just about the delinquency ratio. Attend this webinar and be prepared!

4 BEST PRACTICES FOR GARNISHMENTS AND LEVIES: GETTING IT RIGHT! September 7, 2016 Has your institution implemented proper procedures for handling garnishments and levies? Institutions handle these complicated legal processes daily, but many do so without the proper training, which can expose the institution to significant liability. This webinar explains the steps necessary to properly handle garnishments and levies, such as identifying accounts, placing account holds, answering interrogatories, notifying the account holder, and remitting funds. You also learn the special garnishment procedures for accounts that receive federal benefit payments. In addition, this webinar explains the steps your institution must take when attempting to garnish your borrower's funds. MAXIMIZING RECOVERIES ON CHARGED-OFF LOANS October 27, 2016 Are you getting the most from the back end of your loan portfolio? Out of sight, out of mind shouldn't describe your charged-off loans. Just because you declare a loan loss internally doesn't mean there should be zero recovery. Utilizing in-house efforts, collection agencies, and law firms, there are many ways to find money in those "worthless" loans. All you need is a plan and the ability to manage it. This webinar gives you both! From the timing of charge off, to effective third-party placement details, to the science of tracking and comparing recovery results, this webinar explores the practical side of the forgotten art of charge-off recovery. MEET YOUR WEBINAR PRESENTERS ELIZABETH FAST Elizabeth Fast, JD, CPA, is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Fast is the head of the firm's training division known as Bankers Choice. She received her law degree from the University of Kansas, Lawrence, and her undergraduate degree from Pittsburg State University in Kansas. In addition, she has a master of business administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was general counsel, senior vice president, and corporate secretary of a $9-billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the governor. Fast will be presenting the following topics: Your Customer Has Filed Bankruptcy, Now What? Real Estate Loan Workouts, Deeds in Lieu, Short Sales, Foreclosures, Deficiency Judgements & Receiverships Best Practices for Garnishments & Levies: Getting It Right! DAVID A. REED Attorney, author, consultant, and nationally recognized speaker, David A. Reed is a partner in the law firm of Reed and Jolly, PLLC. He provides guidance to credit unions concerning a variety of matters including the establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. A former trial attorney and vice president and general counsel of a large credit union, Reed is particularly noted as an expert in the areas of credit union operations, bankruptcy, and collections. He has been selected to train NCUA Field Examination and Audit Staff on numerous issues including ID Theft Red Flags, S.A.F.E. Act, Third Party Contract Management, and Bankruptcy matters. Reed will be presenting the following topics: The Essentials of Collection Law Advanced Collection Concepts, Compliance & Risks Maximizing Recoveries on Charged-Off Loans

5 Registration Forms and Fees You can choose to participate in the Debt Collection Telephone/Webcasts as a series or as one or more standalone webinars. DEBT COLLECTION TELEPHONE/WEBCAST SERIES (ALL SIX SESSIONS) Purchase (Check one) Training Options (Registration includes one location hook-up) CBAI Member Non-Member* Live Webinar $1,590 $2,790 On-Demand Link $1,590 $2,790 Special Pricing for Live Webinar & On-Demand Link $2,190 $3,390 INDIVIDUAL SESSION Purchase (Check one) Training Options (Registration includes one location hook-up) CBAI Member Non-Member* Live Webinar $265 $465 On-Demand Link $265 $465 Special Pricing for Live Webinar & On-Demand Link $365 $565 Please check below which session(s) you are registering for. January 13, 2016 The Essentials of Collection Law March 29, 2016 Your Customer Has Filed Bankruptcy: Now What? May 25, 2016 Real Estate Loan Workouts, Deeds in Lieu, Short Sales, Foreclosures, Deficiency Judgments & Receiverships July 21, 2016 Advanced Collection Concepts, Compliance and Risks September 7, 2016 Best Practices for Garnishments and Levies -- Getting It Right! October 27, 2016 Maximizing Recoveries on Charged-Off Loans Name Bank Address *Only financial institutions/firms eligible for CBAI membership. Phone * *( address required for registration). Fax this registration form to: 217/ Call for more information: 800/ Mail Registration to: CBAI Education Department, 901 Community Drive, Springfield, IL Name as It Reads on Card Card Number Billing Address of Card Expiration Date Three-Digit Security Code (MasterCard, Visa, & Discover accepted)