Pub. 1 2013 Issue 3

summer 2013 13 Credit Optimization can help maximize the profitability of your existing credit portfolios, increase retention rates and enhance your competitive standing. It works best when used to welcome and activate new account holders, stimulate ongoing utilization, and improve account retention. To learn more, contact your Harland Clarke account representative, call 1-866-609-8609 or www.harlandclarke.com/ marketing. n Who’s safeguarding your business? We help safeguard our clients from the increasingly complex regulatory and legal environment facing finan- cial institutions. Clients rely on our problem-solving skills and know-how for regulatory compliance, secured transactions, documentation preparation, negotiation, workouts, foreclosures and other lending challenges. Please contact Gary Winger at gwinger@kmclaw.com or 801.328.3600 www.kmclaw.com A t t o r n e y s A t l A W Kirton McConkie is a full-service law firm successfully representing business, intellectual property, real estate, litigation, international, technology, healthcare, construction, employment, tax and estate planning clients. Harland Clarke is State Association’s preferred provider of marketing services. Harland Clarke Marketing Services is a full service, leading edge provider of marketing services devoted to helping financial institutions create sustainable, measurable growth through the seamless delivery of comprehensive marketing solutions. Upcoming Summer Webinars The Utah Bankers Association, in partnership with BankersEd, Graduate School of Banking and Total Training Solutions, is pleased to offer our members a variety of quality, educational webinars. Webinars (on-line seminars) are a cost-effective way to train employees on relevant, bank specific courses delivered by top experts in the industry. The delivery format combines three convenient methods of communication: phone, online presentation and a chat window for asking questions. Fees for the webinars include all handouts and materials, and a single connection that allows for an unlimited number of participants on your connection by speaker phone. The Changing World of Mortgage Requirements for 2013 and ‘14 due to the CFPB July 29, 2013 9:00 a.m. – 11:00 a.m. Compliance Perspectives July 29, 2013 12:00 p.m. – 1:00 p.m. Using Business Tax Returns to Analyze Lending Requests July 30, 2013 12:30 p.m. – 2:30 p.m. Understanding Loan Documents: Loan Documents Part 1 August 5, 2013 12:30 p.m. – 2:30 p.m. Business Accounts: Authority and Liability August 6, 2013 9:00 a.m. – 11:00 a.m. Focus on Evaluations Under Real Estate Appraisal Guidelines August 6, 2013 12:30 p.m. – 2:30 p.m. The New SAR: Line by Line August 7, 2013 9:00 a.m. – 11:00 a.m. BSA/AML Compliance: Recent Developments & Common Errors August 7, 2013 10:30 a.m. – 12:30 p.m. Get Global: Understanding Global Cash Flow Analysis August 8, 2013 9:00 a.m. – 11:00 a.m. Sales Series: Developing Centers of Influence August 12, 2013 11:00 a.m. – 12:00 p.m. Compliance Management and Fair Lending Training for the Board of Directors August 13, 2013 9:00 a.m. – 11:00 a.m. Expensive HMDA Reporting Mistakes August 13, 2013 12:30 p.m. – 2:30 p.m. Look For The Complete Webinar Calendar at www.uba.org Here are just a few of our upcoming webinars this summer