October 20 - 23, 2008
ABA Training Room
Montgomery, Alabama

• Registration Form

School Overview
RCI provides extensive, hands-on training that equips attendees with the knowledge needed to develop and maintain a compliance program, to independently research compliance issues, and to resolve compliance problems. The school is designed to alert students of the most pressing compliance matters and common compliance errors in our complex environment, as well as to instruct students on the basics of laws and regulations included in most national certification examinations.

RCI is specifically designed to benefit employees at all levels in the bank - from the bank's legal counsel to tellers and loan officers. This is accomplished by providing general information on the technical requirements of the various compliance regulations. Further, the instructors provide examples of common areas of misunderstanding that lead to compliance violations.
School Schedule

The course consists of four days beginning Monday, October 20 at 9:00 a.m. and continuing until Thursday, October 23 at 4:00 p.m. Classes will begin at 9:00 a.m. each day and end at 4:00 p.m. each day. The curriculum has been divided into three separate modules to adhere to the needs of individual banks. Students are required to attend all scheduled classes for which they are enrolled during the session. The Deposit and Lending Sessions will be conducted by Metavante Regulatory Services (formerly Kirchman Regulatory Service)

Deposits Session
Bankers responsible for the deposit and operational side of your bank are used to working in a fast paced, high volume environment. Regulatory compliance requirements are often viewed as a major hindrance to efficient and profitable operations. At our Deposit and Operations seminars, we cover what you need to know to manage compliance associated with:

• Bank Secrecy Act
• Customer Identification Rules
• NOW Account Eligibility
• Office of Foreign Asset Control
• Regulation CC—Funds Availability
• Regulation D—Transfers from savings accounts and time deposit penalties
• Regulation DD—Truth in Savings
• Regulation E—Electronic Funds Transfers
• Regulation P—Privacy of Consumer Financial Information
• Suspicious Activity Reporting
• USA PATRIOT Act
• Cash Management
• COPPA
• Insurance Sales
• Safeguarding Information

Lending Session
Bankers know that successful lenders manager risk effectively. Most bankers do a good job of containing credit, rate and environmental risk. But all too often, regulatory compliance risk is not “managed” very well. Compliance failures can cost a bank dearly both in dollars lost and in a damaged public image. During the loan session, the topics that are covered are what you need to know how to manager compliance risk with:

• Appraisals and Appraisal Standards
• Fair Credit Reporting Act
• Flood Insurance
• Real Estate Settlement Procedures Act
• Regulation AA—Unfair of Deceptive Acts or Practices
• Regulation B—Equal Credit Opportunity
• Regulation BB—Community Reinvestment
• Regulation C—Home Mortgage Disclosure
• Regulation O—Loans to Insiders
• Regulation Z—Truth in Lending
• Soldiers’ and Sailors’ Civil Relief Act

Who Should Attend
The Advanced Session is recommended for persons who have attended the Fundamentals Seminar or have extensive experience with compliance topics. The same topics that are coved in the Fundamentals school are discussed, but the Advanced Session begins where the Fundamentals left off and issues are explored at a much deeper level. Learn what to do when a law and a regulation conflict or when one regulation conflicts with another. More time is spent on compliance management and how to reduce compliance costs in a bank. Discover how to take maximum advantage of what the regulations do allow and learn the most frequent ways banks waste money dealing with unnecessary compliance issues.

Note: While either session can be taken alone, both sessions compliment one another. Therefore, it is strongly recommended that you register for both sessions to receive the maximum benefit.

Certificate
The participants who attend the entire week of RCI, the lending session and deposit session, will receive an RCI certificate. Those attending either the lending session or deposit session will receive a certificate for the portion of the Institute they attend. Participants who leave early or who do not attend entirety of their session(s) will not receive a certificate. Certificates will be available at the end of the session(s).

Tuition & Refund Policy
The total enrollment cost of RCI is $600 for Association members. A $50 discount will be applied to all full-week registrations received before September 1, 2008, reducing the cost to $550 for those applicants. Two individuals from the same bank may split the full registration with one attending the lending session, one attending the deposit session. Registration is also available for each session individually at the cost of $400 for Association members with a $25 discount for those registering before September 1, 2008.

Full registration fees will be refunded if a cancellation is received on or before ten days prior to the meeting. If date of cancellation is less than ten days prior to the meeting, a $100 processing fee will be retained. No refunds will be given for cancellations made the day of the program. Substitutions are welcomed. All cancellations must be received in writing either via fax or email.

Tuition does not include hotel room, and attendees should make their own room reservations.