2015 SEMINAR SCHEDULE

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PROFESSIONAL BANK SERVICES

2015 SEMINAR SCHEDULE

2015 Integrated Mortgage Disclosures

Changing from Old to New

2-Day Seminar

REGISTRATION FEE ...$675 OVERVIEW

A two-day seminar covering how to transition from existing RESPA and TILA rules for the Good Faith Estimate and HUD-1/1A Settlement Statements to compliance with the new Loan Estimate and Closing Disclosure Statement requirements. The most complete training available for consumer loan personal, compliance officers, and settlement/closing agents. Register to attend today!

*The 2015 Mastering HMDA Seminar will

follow this program during the same week.

2015 Seminar Dates and Locations

ILLINOIS Arlington Heights*...Apr 21-22 Springfield*...May 19-20 Tinley Park/Matteson*...Jun 2-3 INDIANA Evansville...Jun 30-Jul 1 KENTUCKY Bowling Green...May 26-27 Lexington...May 28-29 LOUISIANA New Orleans*...May 12-13 MINNESOTA Bloomington*...Apr 14-15 MISSOURI Kansas City...Jun 4-5 Springfield...Jun 2-3 St. Louis...Apr 30-May 1 NORTH CAROLINA Asheville...Jun 16-17 PENNSYLVANIA Philadelphia...Feb 26-27 Scranton...Feb 24-25 TENNESSEE Kingsport...Jun 18-19 Knoxville/Alcoa...Apr 21-22 Nashville...Apr 23-24 VIRGINIA Charlottesville...Jul 9-10 Roanoke...Jul 7-8 WASHINGTON Seattle...May 27-28

More dates/locations to be added for the 2nd half of 2015.

PLUS...

A COMPLETE AND COMPREHENSIVE

DESKTOP REFERENCE_{MANUAL AND} FREE TELEPHONE_SUPPORT

FOR ONE FULL YEAR!

Register online www.probank.com

This schedule is updated regularly to reflect any changes. Please check often for the most up-to-date listings or call 800-523-4778 and select option 1 for specific program questions.

Complying with the Integrated

Mortage Disclosures

1-Day Seminar

2015 Seminar Dates and Locations

REGISTRATION FEE...$355 OVERVIEW

A One-Day seminar analyzing the new Loan Estimate and Closing Disclosure forms and requirements. Completely new mortgage disclosure rules and forms mandated by the Dodd-Frank Act have been finalized, and compliance with this new regulatory landscape is required August 1, 2015. The Consumer Financial Protection Bureau’s Final Integrated Mortgage Disclosure Rule is 1,888 pages long. So how and where do you begin?

While the seminar manual serves as a detailed analysis of the Final Rule and a valuable reference tool, the presentation will assist you in focusing on necessary preparation tasks such as: identifying affected products, departments, and staff; the business-process, operational, and technology changes that will be necessary for compliance; and impacts on key service providers and business partners.

IOWA Des Moines...May 7 KANSAS Topeka...May 11 Wichita...Apr 20 MASSACHUSETTS Marlborough...Jun 1 NEW JERSEY Clark/Newark...Jun 15 NEW YORK Albany...Jun 29 PENNSYLVANIA Corapolis...Jun 8 Scranton...May 18 TEXAS San Antonio...Apr 13

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PROFESSIONAL BANK SERVICES

2015 SEMINAR SCHEDULE

Real Estate Lending Compliance

3-Day Comprehensive Seminar

The most comprehensive 3-day seminar PBS has ever offered! This seminar is structured to address “Fair Lending” related topics on the first day with the following two days focused on disclosures and contract provisions of the major consumer-protection topics such as Regulation Z, RESPA, and others. In addition, recent Dodd-Frank provisions are also covered during this seminar. Major points of the Integrated Mortgage Disclosure Rules are Highlighted.

NOTE For a more in-depth review of the IMD rules, see PBS’ 2-day Integrated Mortgage Disclosure Program.

2015 Seminar Dates and Locations

CALIFORNIA Ontario...May 12-14 KANSAS Topeka...May 12-14 Wichita...Apr 21-23 KENTUCKY Lexington... Apr 7-9 Louisville...May 19-21 MASSACHUSETTS Marlborough...Jun 2-4 MISSOURI Kansas City...Jun 23-25 St. Louis...Jun 16-18 NEW JERSEY Clark/Newark...June 16-18 NEW YORK

Albany... Jun 30-Jul 2

OHIO Columbus...Apr 21-23 PENNSYLVANIA Coraopolis/ Pittsburgh...Jun 9-11 Scranton...May 19-21 TEXAS San Antonio...Apr 14-16

More dates/locations to be added for the 2nd half of 2015.

A full-day seminar on laws and regulations affecting deposits received by financial institutions. This program focuses on the account from the date it is opened and discusses state law requirements for ownership and documentation. The program also covers Customer Identification Procedures and IRS Reporting compliance issues.

NEW YORK Albany...Jul 9 Buffalo/Amherst...Jul 7 Elmhurst/NYC...Jul 10 Syracuse...Jul 8 NORTH CAROLINA Asheville...Nov 3 Charlotte...Nov 4 Highpoint...Nov 5 Raleigh...Nov 6 OHIO Cincinnati...Jul 24 Cleveland...Jul 22 Perrysburg...Jul 21 Worthington...Jul 23

2015 Deposit Documentation

1-Day Seminar

2015 Seminar Dates and Locations

ARKANSAS Fayetteville...Dec 1 Ft. Smith...Dec 2 Jonesboro...Dec 4 Little Rock...Dec 3 ILLINOIS Arlington Heights...Aug 14 Bloomington...Aug 6 Kankakee...Aug 13 Mt. Vernon...Aug 4 Naperville/Lisle...Aug 12 Rockford...Aug 11 Springfield...Aug 5 Tinley Park/Matteson...Aug 7 IOWA Cedar Rapids...Apr23 Davenport...Apr 22 Des Moines...Apr 24 Dubuque...Apr 21 TEXAS Dallas/Irving...Dec 18 Houston...Dec 15 San Antonio...Dec 16 Temple...Dec 17

Additional states may be added. Please check our website for an updated list.

Register online

www.probank.com

This schedule is updated regularly to reflect any changes. Please check often for the most up-to-date listings or call 800-523-4778 and select option 1 for specific program

questions.

PLUS...

DESKTOP REFERENCE_{MANUAL AND} FREE TELEPHONE_SUPPORT

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PROFESSIONAL BANK SERVICES

2015 SEMINAR SCHEDULE

2015 Anti-Money Laundering &

Bank Secrecy Act

2-Day Compliance School

A two-day program which covers, in detail, the issues and opportunities in the ever-expanding environment of the Bank Secrecy Act. The program reviews the entire realm of BSA from A to Z so that students from the novice appointee to the tenured BSA compliance professional will find the discussions and interactions to be of great value.

2015 Seminar Dates and Locations

CALIFORNIA Ontario...Jun 2-3 Sacramento...Jun 4-5 COLORADO Aurora/Denver...May 20-21 FLORIDA Tampa...Sep 17-18 ILLINOIS Bloomington...Sep 3-4 Naperville/Lisle...Sep 1-2 KENTUCKY Erlanger/Hebron...Aug 13-14 Lexington...Jul 23-24 LOUISIANA New Orleans...May 28-29 MASSACHUSETTS Milford...Aug 6-7 MARYLAND Baltimore...Aug 4-5 MINNESOTA Minneapolis...July 6-7 MISSOURI Kansas City...May 5-6 St. Louis...May 7-8 NEW YORK Albany...Jul 16-17 Syracuse...Jul 14-15 NEW JERSEY Clark/Newark...Sep 8-9 NORTH CAROLINA Charlotte...Sep 15-16 OHIO Columbus...Jun 16-17 Dayton...Jul 21-22 (Kentucky Location) Erlanger/Hebron...Aug 13-14 OKLAHOMA Oklahoma City...Jun 25-26 PENNSYLVANIA Coraopolis/ Pittsburgh...Aug 11-12 Harrisburg...Sep 10-11 Philadelphia...Aug 20-21 Scranton...Aug 18-19 TEXAS Dallas/Irving...Jun 9-10 Houston...Jun 23-24 San Antonio...Jun 11-12 WASHINGTON Seattle...May 18-19 WISCONSIN Janesville...Jul 8-9 WEST VIRGINIA Charleston...Jun 18-19

All dates for 2015 are listed.

2015 ACH Processing & Compliance

1-Day Seminar

This full-day program reviews all aspects of ACH Processing including: NACHA Rules Changes, Self-Audit Procedures, Green Book Processing, Processing Risks, and Regulatory Impacts.

2015 Seminar Dates and Locations

CALIFORNIA Ontario...Nov 3 Sacramento...Nov 4 COLORADO Aurora/Denver...Nov 5 ILLINOIS Bloomington...Nov 19 Naperville/Lisle...Nov 18 Rockford...Nov 17 INDIANA Evansville...Sep 30 KENTUCKY Bowling Green...Sep 29 Lexington...Oct 9 Louisville...Dec 17 MASSACHUSETTS Milford...Oct 22 NEW JERSEY Clark/Newark...Oct 13 NEW YORK Albany...Oct 21 Syracuse...Oct 20 OHIO Cincinnati...Oct 7 OKLAHOMA Oklahoma City...Dec 1 PENNSYLVANIA Coraopolis/ Pittsburgh...Oct 6 Harrisburg...Oct 14 Philadelphia...Oct 16 Wyomissing/Reading...Oct 15 TEXAS Dallas/Irving...Dec 2 San Antonio...Dec 3 WEST VIRGINIA Charleston...Oct 8

PLUS...

DESKTOP REFERENCE_{MANUAL AND} FREE TELEPHONE

SUPPORT

FOR ONE FULL YEAR!

Register online

www.probank.com

This schedule is updated regularly to reflect any changes. Please check often

for the most up-to-date listings or call 800-523-4778 and select option 1 for specific

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PROFESSIONAL BANK SERVICES

2015 SEMINAR SCHEDULE

2015 Anti-Money Laundering &

Bank Secrecy Act Compliance

1-Day Seminar

2015 Seminar Dates and Locations

CALIFORNIA Fresno...Jun 24 Los Angeles...Jun 25 San Diego...Jun 26 San Francisco...Jun 23 COLORADO Aurora/Denver...Apr 22 Colorado Springs...Apr 21 KANSAS Topeka...Oct 6 Wichita...Oct 7 KENTUCKY Georgetown...Oct 22 Grayson...May 7 Lexington...May 8 Louisville...Oct 23 Somerset...Oct 21 MINNESOTA Minneapolis...Sep 16 St. Cloud...Sep 15 MISSOURI Kansas City...Oct 8 Springfield...Oct 9 NEW JERSEY Clark/Newark...Jun 12 Trenton...Jun 11 OKLAHOMA Oklahoma City...Apr 16 Tulsa...Apr 17 PENNSYLVANIA Scranton...Jun 9 Wyomissing/Reading...Jun 10 UTAH Cedar City...Apr 23 VIRGINIA Charlottesville...Sep 3 Norfolk...Sep 1 Richmond/Sandston...Sep 2 Roanoke...Sep 4 WISCONSIN Madison...Sep 17 Milwaukee...Sep 18 WEST VIRGINIA Bridgeport...May 5 Charleston...May 6

All dates for 2015 are listed. REGISTRATION FEE...$355

OVERVIEW

A full-day seminar explaining the latest regulatory changes and updates from FinCEN and the regulatory agencies, and how to effectively bring your programs up to speed to comply. Fulfill your annual BSA training requirements.

Register online

www.probank.com

program questions.

2015 Mastering HMDA

2015 Seminar Dates and Locations

REGISTRATION FEE ...$355

OVERVIEW

This full-day seminar provides a comprehensive overview of the requirements of the Home Mortgage Disclosure Act and the CFPB’s Regulation C. Whether you are new to HMDA or have been reporting for years, you will benefit from this seminar’s practical, “real world” approach to HMDA compliance. *The 2015 Integrated Mortgage Disclosures Changing from Old to New Seminar will precede this program

during the same week.

ILLINOIS

Arlington Heights*...Apr 23 Springfield*...May 21 Tinley Park/ Matteson*...Jun 4

LOUISIANA New Orleans*...May 14 MASSACHUSETTS Holyoke...Jun 18 MINNESOTA Bloomington*...Apr 16 NEW YORK Albany...Jun 17 Syracuse...Jun 16 SOUTH CAROLINA Charleston...May 21 Columbia...May 20 Greenville...May 19

More dates/locations to be added for the 2nd half of 2015.

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PROFESSIONAL BANK SERVICES

2015 SEMINAR SCHEDULE

2015 IRA BASIC

1-Day Seminar

2015 Seminar Dates and Locations

KENTUCKY

Lexington...Sep 16

All dates for 2015 are listed. REGISTRATION FEE...$355

OVERVIEW

A full-day seminar explaining IRA Terminology; explanation of IRA Forms; Beneficiary Designations including Primary and Contingent, Trusts and Estates; Qualifications, Contribution Limits and other new regulations for a Traditional IRA, Roth and Conversion Roth, SEP IRAs, Coverdell Education Savings Accounts and a brief overview of rollovers and transfers.

IRA Basic and IRA Intermediate can be attended independently, but for a more comprehensive learning experience, both days are recommended.

Register online

www.probank.com

program questions.

2015 IRA INTERMEDIATE

1-Day Seminar

2015 Seminar Dates and Locations

REGISTRATION FEE...$355

OVERVIEW

A full-day seminar explaining Health Savings Accounts; Qualified Plan Rollovers to a Traditional or Roth IRA including Direct vs. Indirect; IRA rollovers and transfers for the new once-per-12-month rule clarifications; Distributions before age 59 ½, after age 70 ½, and the 7 biggest mistakes of IRA beneficiary payouts; an overview and explanation of IRS reporting requirements; plus any updated changes to IRAs proposed and enacted for 2015. IRA Basic and IRA Intermediate can be attended independently, but for a more comprehensive learning experience, both days are recommended.

KENTUCKY

Lexington...Sep 17

All dates for 2015 are listed.

PLUS...

Receive the 275 page Sunwest Training

IRA Training and Ref erence Manual - the

“RED BOOK

”

PLUS...

Receive the 275 page Sunwest Training

IRA Training and Ref erence Manual - the

“RED BOOK

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PROFESSIONAL BANK SERVICES

2015 WEBINAR SCHEDULE

For additional webinar information or to register today: Visit PBS online at www.probank.com. Online registration available approximately five weeks prior to the webinar date.

Registration Information: Your registration to a PBS Webinar entitles you to a single telephone and Internet connection at one physical location and permission to make copies of the written materials for anyone else participating. Additional locations are available at a discounted rate of $135 each.

Register online

www.probank.com

This schedule is updated regularly to reflect any changes. Please check often for the most up-to-date

listings or call 800-523-4778 and select option 1 for specific program questions.

2015 IRS REPORTING AND COMPLIANCE WEBINAR SERIES

Six, 2 - Hour Webinars

Special Pricing Available

OVERVIEW

A six-part webinar series that is tailored to address the specific requirements of IRS reporting.

IRS rules and reporting responsibilities are complex, extensive and overwhelming. There is far too much information for one person to absorb during a full-day seminar. Therefore, PBS is presenting its IRS Seminar as a six-part webinar series. Each program is tailored to address specific requirements of IRS reporting and compliance. As IRS reporting occurs at different times, PBS has scheduled each program to correspond with the appropriate reporting requirements. Information about the Penalty Notice (972CG) will be presented in the month that you would likely receive and need to respond. Information about the different forms, including a discussion of each 2015 form, will be presented later in the year when those forms need to be sent to recipients.

PROGRAM DATES

PROGRAM 1: Wednesday, April 29, 2015 - Introduction IRS

Reporting

PROGRAM 2: Thursday, April 30, 2015 - IRS Reporting and

Withholding Requirements for Foreign Persons

PROGRAM 3: Tuesday, July 7, 2015 - The IRS Penalty Notice PROGRAM 4: Tuesday, August 11, 2015 - Types of Backup

Withholding A, B, C, & D and the IRS B & C Notices

PROGRAM 5: Wednesday, October 14, 2015 - IRS Reporting

Requirements for Deposit Forms

PROGRAM 6: Thursday, October 15, 2015 - IRS Reporting

Requirements for Loan and Miscellaneous Forms

REGISTER FOR MORE THAN ONE PROGRAM AND SAVE!! Enjoy tiered pricing when you register to attend more than one IRS program at the same time. Enjoy the same savings when purchasing the CD recording of the program(s) at the same time for $100, regularly $265. When registering for multiple programs, please fax the registration form or call 800-523-4778, select

option 1. Online registration is available when registering for a

single program. Additional locations may be purchased for $135 per site. Please call 800-523-4778, select option 1 to register additional locations.

PRICING - PROGRAMS MUST BE REGISTERED AT THE SAME TIME FOR DISCOUNT.

Attend any 1 Program or purchase CD only - $265 Attend any 2 Programs or purchase CDs only - $475 Attend any 3 Programs or purchase CDs only - $645 Attend any 4 Programs or purchase CDs only - $740 Attend any 5 Programs or purchase CDs only - $800 Attend any 6 Programs or purchase CDs only - $860

PROGRAM 1: INTRODUCTION IRS REPORTING

Understanding the Role of the Financial Institution in the IRS Reporting Program

2 - Hour Webinar

WEDNESDAY, APRIL 29, 2015 2:00 PM - 4:00 PM EDT OVERVIEW

We will discuss a basic understanding of the IRS Reporting Program to assist the financial institution in developing its policies and procedures for compliance.

We will address methods to open deposit accounts, title loans and make vendor payments to eliminate IRS reporting problems.

HERE IS WHAT YOU WILL LEARN

• IRS Taxpayer’s Identification Numbers (TINs) • Events that require a certified TIN

• How to obtain a TIN on a signature card or a W-9 form • How to use the IRS TIN Matching system

• Requirements to obtain a TIN if it is missing (solicitation and documentation)

• The treatment of Non-Resident Alien customers for the deposit (including new requirements and any revised forms) and lending areas

• The basic IRS reporting requirements, a schedule for reporting, and corrections of filed forms

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PROFESSIONAL BANK SERVICES

2015 WEBINAR SCHEDULE

THURSDAY, APRIL 30, 2015 2:00 PM - 4:00 PM EDT OVERVIEW

The rules for reporting and withholding regarding foreign persons (individuals and entities) have undergone significant and very complicated changes in the past couple of years. We will provide an overview of U.S. financial institution requirements under chapter 3 and chapter 4 (FATCA) when making certain payments to foreign persons. We will discuss any changes for 2015 to the IRS forms.

• Chapter 3 and chapter 4 requirements, including revisions to chapter

3 so that the chapters are coordinated

• Account opening procedure rules, including standards of knowl edge and the conditions under which a withholding agent may rely on documentary evidence to document a payee’s foreign status • W-8 Forms, including W-8BEN and W-8BEN-E;• Limitations on how much you can require the borrower to place into

an escrow account at loan closing and during the life of the loan • Revised Form 1042-S

• Form 8966 (FATCA report)

TUESDAY, JULY 7, 2015 2:00 PM - 4:00 PM EDT OVERVIEW

We will review the steps to prepare an effective response to the penalty notice that the financial institution may receive for filings that contain incorrect information/errors or missing information. The financial institution must respond to a penalty notice within 45 calendar days from its receipt from the IRS. If the response is accepted by the IRS, the financial institution should not have to pay a penalty.

• Recognize the requirements of the penalty notice;

• Prepare a defense to each element of the proposed penalty; • Review the reasonable cause defense elements to avoid having to pay a penalty

• Draft a defense letter to convince the IRS that the penalty should be waived

• Prepare for future penalty notices with the hope you will never receive one

PROGRAM 2: IRS REPORTING AND WITHHOLDING REQUIREMENTS

FOR FOREIGN PERSONS

Understanding the Forms, Reporting, and Withholding Require-ments, Including any Changes for 2015

2 - Hour Webinar

PROGRAM 3: THE IRS PENALTY NOTICE

Preparing for the Future and Responding to the Penalty Notice (972CG)

2 - Hour Webinar

PROGRAM 4: TYPES OF BACKUP WITHHOLDING A, B, C, & D AND THE

IRS B & C NOTICES

Responding to the Notices

2 - Hour Webinar

TUESDAY, AUGUST 11, 2015 2:00 PM - 4:00 PM EDT OVERVIEW

The financial institution’s customer could be subject to any one of four types of backup withholding under the IRS code provisions. The financial institution should have policies and procedures to address each type of backup withholding. This webinar will concentrate on B type (bad TIN match) and C type (as an under-reporter) backup withholding requirements.

• Review the four types of backup withholding

• Determine if an entity is exempt from backup withholding • Review the IRS TIN matching rules to avoid a mismatch when reporting

• Identify steps to comply with the B-Notice provisions (CP2100 or CP2100A)

• Review the C-Notice provisions and develop procedures for compliance

• Terminate backup withholding payments, if allowed

Register online

www.probank.com

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PROFESSIONAL BANK SERVICES

2015 WEBINAR SCHEDULE

WEDNESDAY, OCTOBER 14, 2015 2:00 PM - 4:00 PM EDT

OVERVIEW

We will discuss any changes for 2015 to the IRS forms and discuss unique problems that occur with some of the forms. We will review issues and examples for the deposit forms, such as a bonus issue for the 1099-INT form and mistaken distributions from the Health Savings Account.

The forms that will be covered are: • Interest Income (Form 1099-INT)

• Information Reporting Requirements for Non Residents for 2015 - Foreign Persons U.S. Source Income Subject to Withholding for Interest Paid on Deposit Accounts (Form 1042-S)

• Original Issue Discount (Form 1099-OID)

• Contributions to Individual Retirement Plan IRA, SEP, SIMPLE, Roth IRA (Form 5498)

• Distributions from Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, SEPs, SIMPLEs or Insurance Contracts, Etc. (Form 1099-R)

• Contributions to Coverdell ESA (Form 5498-ESA)

• Distributions from Qualified Education Programs (Coverdell ESA) (Form 1099-Q)

• Contributions to a Health Savings Account (HSA), Archer MSA or Medicare Advantage MSA (MA MSA) (Form 5498-SA)

• Distributions from a Health Savings Account (HSA), Archer MSA or Medicare Advantage MSA (MA MSA) (Form 1099-SA)

PROGRAM 6: IRS REPORTING REQUIREMENTS FOR LOAN AND

MISCELLANEOUS FORMS

Understanding the Forms and Reporting Requirements, Including any changes for 2015

2 - Hour Webinar

THURSDAY, OCTOBER 15, 2015 2:00 PM - 4:00 PM EDT

OVERVIEW

We will discuss changes for 2015 to the IRS loan and miscellaneous forms and discuss unique problems that occur with some of the forms. We will review issues and examples for the forms, particularly the 1099-MISC, 1099-A and 1099-C.

The forms that will be covered are:

• Proceeds from Real Estate Transactions (Form 1099-S) • Mortgage Interest Statement (Form 1098)

• Reporting Student Loan Interest (Form 1098-E) • Acquisition or Abandonment of Secured Property (Form 1099-A)

• Cancellation of Debt (Form 1099-C)

• Miscellaneous Income (Form 1099-MISC), including accounts payable and construction disbursements

• Proceeds from Broker and Barter Exchange Transactions (Form 1099-B)

• Dividends and Distributions (Form 1099-DIV)

PROGRAM 5: IRS REPORTING REQUIREMENTS FOR DEPOSIT FORMS

Understanding the Deposit Forms and Reporting Requirements, Including any Changes fpr 2015

2 - Hour Webinar

Register online

www.probank.com

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https://www.probank.com/webinars/on-demand-webinar-market

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