Education Summit 15 brochure.pdf

EDUCATION SUMMIT & EXPOShaping the Evolution of Community Banking

Learn more & register at www.wib.org, call (415) 352-2323 or write [email protected]

September 21-23, 2015 • Hilton San Diego Bayfront

• Gain strategies on building your banking business that you can put in place immediately

• Stay ahead of the curve with regulatory changes and industry updates

• Share new insights on growth tactics, emerging technologies, employee dynamics and customer engagement

• Optimize your experience by choosing unique sessions from five distinct tracks

KEY LEARNING OBJECTIVES:

Join industry experts, community bank leaders and finance thought leaders to arm yourself with the understanding, know-how and connections you need to take an active role in the next stage of community banking.

Roll up your sleeves at our Working Peer Group Sessions where you will build on the real-world experiences of other attendees in addressing community banking’s most pressing issues.

Build a fully customized conference to help you outline plans, develop strategies and execute tactics to take back to your bank the very next day.

Choose from 30 unique sessions from 5 cross-functional tracks!

Education Summit & Expo is at the forefront of an industry undergoing constant transformation.

Don’t just adapt to the Evolution of Community Banking. Guide it.

WHO SHOULD ATTEND?Education Summit & Expo offers five conference tracks, creating endless opportunity to build a program that suits your needs. Whether you’re in finance, operations, marketing, technology, HR, training, compliance, risk or another area, we’re confident you’ll find highly relevant content, insight and resources that make a difference in your day-to-day and long-term performance.

BANKER SCHOLARSHIPSBecause continuing education is more important than ever, we’re pleased to support community bankers with scholarships for 50% off the registration fee. State in 100 words or less why you should receive a scholarship and submit to [email protected]. Open to member and nonmember bankers. WIB reserves the right to select the candidates with the most compelling needs statement. Scholarships provided by the 2015 WIB Scholarship Campaign, WIB and WIB Service Corporation.

CPE & CONTINUING EDUCATION CREDITSGeneral Continuing Education Credits Information and Reporting: 13. Western Independent Bankers 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. For more information see www.wib.org.

“In a world of bank belt-tightening and budget cuts, this is the one conference I cannot afford to miss.”

- Steve Annis, Valley Republic Bank

SCHEDULE AT-A-GLANCE

Sunday, September 20

1:00-5:00 pm Optional Activity – Gaslamp District Wine & Food Walking Tour

5:30-7:00 pm Registration Welcome Reception

Monday, September 21

7:15-8:00 am Breakfast

8:00-9:15 am Opening General Session

9:30-10:30 am Learning Sessions


11:45 am-1:45 pm Lunch & NEW PartnerShowcase

2:00-3:00 pm Concurrent General Sessions

3:15-4:15 pm Peer Exchange Sessions

5:00-8:00 pm Reception, Dinner & Casino Night

Tuesday, September 22

7:15-8:00 am Breakfast in Expo




11:30 am-1:30 pm Lunch in Expo

1:30-2:30 pm General Session

2:45-4:45 pm Working Peer Group Sessions

5:00-6:30 pm Reception in Expo

Wednesday, September 23

7:15-8:00 am Breakfast


9:15-10:30 am Peer Exchange Sessions

10:45 am-Noon Closing General Session

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HOTEL & TRAVEL

Hilton San Diego Bayfront1 Park Blvd.San Diego, CA 92101

www.hiltonsandiegobayfront.com

Rising 30 stories above San Diego Bay, the Hilton San Diego Bayfront is a spirited blend of San Diego’s coastal influences, style, innovation, and of course the city’s unmistakable vibe. Inspirational local art throughout the hotel draws upon light, wind, and the San Diego Bay waterfront to create dramatic, uplifting spaces. With light hues, clean lines, and an awakened design, there is a flow and a pulse to everything.

Hotel ReservationsMain Phone: (619) 564-3333Reservations: 1-800-HILTONS (445-8667)Online Reservations: https://resweb.passkey.com/go/WIB2015

Hotel Room Rate$199 Single/Double

Room rates valid September 19-23, 2015. Hotel tax is currently 12.64% and is subject to change.

Reservation DeadlineContact the hotel by August 21, 2015 and mention group code WIB to obtain our group rate.

Rental Car DiscountsSee www.wib.org for additional hotel and travel details at www.wib.org.



“A one-stop-shop for learning, interacting with peers and connecting with vendors in a great location.”

– Steve Jones, First Security Bank

SUNDAY – SEPTEMBER 20, 20151:00-5:00 pm Optional Event

Gaslamp District Wine & Food Walking Tour (additional fee)This fabulous 4-hour guided walking tour has tantalizingly tasty tour stops in the Gaslamp District. Be sure to come hungry, there’s plenty of wonderful food pairings! You will be delighted as you taste fine wines and savor delicious, gourmet food. Your expert local guide will educate you in the fine art of wine tasting and food pairing. Enjoy a leisurely walk of about 1.5 miles in the historic Gaslamp District, while being entertained with the history and culture of San Diego. Join us as we partake in the very best restaurants and wine bars in the Gaslamp District. Cost: $125 per person; includes XXXXXXXXX.

5:30-7:00 pm Registration Welcome ReceptionPick up your conference registration materials and enjoy this pre-conference networking opportunity with old friends and new!

Evening Open

MONDAY – SEPTEMBER 21, 20157:15-8:00 am Breakfast8:00-9:10 am Opening General Session

Are we planning to have this?: President’s Welcome Michael Delucchi, President & CEO, Western Independent Bankers Association

Zap the GapMeagan Johnson, Do we have any info on who she is?

The workplace is not what it used to be. People are staying in the workplace longer; the corporate ladder has crumbled; college grads have job titles that sound like something out of a science fiction flick; and nobody talks on the phone anymore. The global marketplace has become a myriad of different generations. What the multiple generations want from an employer, their expectations of corporate culture and their motivation to do what is best for business differs from generation to generation. Your challenge is not figuring out how to work together, but how to interface with the varied generations to achieve financial success, personal growth and enriched company morale. Think you have already heard everything about the multi-generational workplace? Think again! What seemed like a perfect solution yesterday is the source of tomorrow’s problem. Move beyond complaining about the differences and learn what you can do right now to make the most of all the generations.

CFO & FINANCE HR & TRAINING

COMPLIANCE & RISK

SALES & MARKETING

TECHNOLOGY & OPERATIONS

9:30-10:30 am Financial Performance: Giving Your Directors the Right DataGreg Dingens, EVP and Head of Investment Banking, Monroe Financial Partners, Inc.

Directors have a responsibility to stay informed and truly understand their bank’s performance. Is management providing the right financial analysis to enable the level of oversight required? And do directors see the relative peer numbers that will help them clearly pinpoint and understand where issues exist, so they can guide bank’s performance more effectively?

Stay Calm & Communicate – Building a High Performance Community Bank TeamDale Biron, Principal, CoreAction Associates, Inc.

As a community bank leader you don’t need a Ph.D. in team dynamics, you simply need the right tools and the courage to leverage your existing passion and experience. Bring your toughest team challenges and biggest dreams, and take away a bucket full of good no-nonsense, actionable ideas and tools you can put to immediate use, making a lasting difference for yourself and your team.

BSA & AML – There is Light at the End of the TunnelLaura Varner, Regulatory Compliance Specialist, Garland Heart

With the ever-changing regulatory burden and continued evolution of payment processes, it may seem like an uphill battle with no end in sight. Understand what your organization should be doing and shed some light on the BSA/AML requirements of today and how that applies to your environment

Why Customer Retention Matters More than AcquisitionKaran Bhalla, Marketing Director, IQR Consulting

In the wake of growing competition among financial institutions for a share of consumers’ wallets, the goal of customer retention has taken precedence over the goal of customer acquisition. To guarantee long-term growth and stability is to stop customer attrition. Understand how customer data can be mined to help banks serve their customers better and foster loyalty.

Fraud is the New “F” WordJim Stickley, CEO, Stickley on Security

From cyber attacks to social engineering, criminals are waging war against financial institutions, and while everyone wants to think they are secure, the reality is that criminals are winning. By demonstrating techniques used to infiltrate real financial institutions, attendees will get a chance to see firsthand how criminals are gaining access to their networks, avoiding detection and ultimately gathering the information necessary to commit fraud.

MAEGAN JOHNSON

MONDAY – SEPTEMBER 21, 2015 ( continued )


COMPLIANCE & RISK

SALES & MARKETING


10:45-11:45 am It’s 11:00 – Do You Know Where Your Data Is?Gerry Kane, Cybersecurity Segment Director, Zurich Services Corporation

This session will provide you with a brief history and the current state of cyber risk. We’ll explore prominent and emerging cyber threats including data theft, business interruptions and the NIST framework. Come away with an understanding of the specific concerns, the basics of a cyber defense and key metrics for management. Compliance & Risk

Mastering the Change Curve Mary O’Neill, Founder, Mary O’Neill & Associates

The old adage “the only thing constant is change” has never been more true than it is in today’s workplace. To successfully deal with change, individuals must pass through four phases: denial, resistance, exploration and commitment. This upbeat, highly interactive program will help participants more effectively manage change by understanding what it takes to accept and successfully transition through the experience.

Combatting Payment Fraud Using Enhanced Tools & Technologies Jay McLaughlin, Chief Security Officer, Q2

The virtual branch is the financial institution’s franchise. But satisfying the experience of your valuable customers while protecting against the latest threats brings new challenges in securing this critical channel. Multi-layered security solutions are needed to protect your virtual branch from fraud – but what does this even mean?

Social Media: Staying in Compliance While Expanding Your Online PresenceStephanie Chaumont, Security and Compliance Consultant, CoNetrix

The number of social media sites, users and time spent on those sites is greater than ever. The FFIEC has directed financial institutions to implement a risk management program to document the assessment of risks, controls and new vendor relationships related to social media. We’ll review the areas of information security and compliance risk that should be addressed as your social media presence grows

Top 10 IT Audit/Exam Findings: Keys to a More Pleasant Exam Tom Schauer, CEO, TrustCC

IT exam expectations seem to be a moving target. Due to outdated guidance, many examiners are using non-banking standards as the basis for their examination. In this session, we’ll describe each of these findings, the risk of non-compliance and steps to correct these conditions in a cost-effective and feasible manner. You’ll be better prepared and should experience a more pleasant exam.

11:45 am-1:45 pm Lunch and NEW Partner ShowcaseWish you knew more about WIB’s Endorsed Program Partners? Our fast-paced Partner Showcase will be the bolt of energy that kicks off Tuesday’s Expo! 20 Endorsed Program Partners will each take the stage for just 5 minutes to showcase their endorsed product or service. This brand new format will give you the maximum amount of valuable new ideas to gain a competitive edge in a short amount of time. Additional tickets for your guest are available for $75 each.

2:00-3:00 pm Concurrent General Session

Looking in the Rearview Mirror: What Can We Learn from the M&A Successes of the Last 10 Years?Al Glowasky, Managing Director, Performance Trust Capital Partners, LLC

With the expected surge in M&A activity, what can we learn from 10 years’ worth of transactions in the western U.S.? What worked and what didn’t work for shareholders, customers and communities? Did actual outcomes match predicted outcomes? What are benchmarks that acquirers should set today to determine success? Should we be using the same roadmap or have times sufficiently changed that a new methodology must be generated?

Concurrent General Session

Exceeding Customer Expectations Brad Worthley, President, Brad Worthley International

Banks can no longer have the goal of meeting the customer’s expectations because competition is too great; the goal today must be to exceed them in order to create advocates to help grow your business. What does that look like from the customer’s perspective? Learn about how customers create their perceptions of you, your employees and your bank. Walk away with actionable information with which to make changes the very next day.

3:15-4:15 pm Peer Exchange Sessions

5:00-8:00 pm Reception, Dinner & Casino NightGreat networking over cocktails, dinner and blackjack! We should probably expand this “description’ some. Will they have opportunities to win chips elsewhere? Part of app game?

(Additional tickets for your guest are available for $150 each)

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TUESDAY – SEPTEMBER 22, 20157:15-8:00 am Breakfast in Expo


COMPLIANCE & RISK SALES & MARKETING TECHNOLOGY &

OPERATIONS8:00-9:00 am Effective Balance

Sheet Strategies for the Current Market Environment Lisa Dotzenrod, Fixed Income Strategist, Piper Jaffray, Inc.

Doug Munson, Sr. Fixed Income Strategist, Piper Jaffray, Inc.

This session will address how to how to effectively manage net interest income in an environment characterized by new regulations, prolonged near-0.00% funding costs, constant possibility of sharp rising rates and uncertain national and international economic events. We’ll present balance sheet and investment portfolio strategies to help you maximize the yield while adhering to the risk tolerances of the institution.

Diversity Isn’t Dirty David Noland, President & General Counsel, HRCentral Corporation

A top rallying and talking point in both politics and business today is diversity. Many banks are required to enact Affirmative Action plans that demonstrate the steps they are taking towards diversity, but do we really know why or what we are doing? What if diversity is more important than they say, but not for the most trumpeted reason? How can diversity give you the best team?

Is Your Compliance Department Running Your BankMichael Berman, Principal, Ncontracts, LLC

In today’s regulatory environment, many feel like their compliance department is running the bank. Regulatory compliance has raised vendor management to an organization-wide concern with board members and senior management now subject to unlimited financial liability. While regulations continue to evolve, new guidance and actions from regulatory bodies clearly indicate that expectations are increasing.

Digital Strategies to Attract and Serve the Right Millennials Daniel Van Dyke, Research Specialist, Javelin Strategy & Research

Financial institutions of all sizes are actively targeting Millennials today and, as they should, Gen Y will generate nearly half of total U.S. income by 2025. But the data on Gen Y paints a picture of two “sub-generations,” each in different stages of financial maturity and profitability. How can a community bank develop a relationship with either group, while meeting the bottom line?

CRM is a Journey, Not a Destination Shanda Purcell, Product Manager, CSI

Customer relationships have long been the cornerstone of success in community banking, and with CRM capabilities, bankers can better assess customer spending patterns and product needs. But just having a CRM program alone isn’t enough. Bankers must make strategic decisions when selecting a CRM system, understand how to maximize its capabilities and continually monitor its performance to ensure ongoing profitability.

“The 2014 Education Summit provided excellent training opportunities and networking events with vendors and fellow bankers. I would highly recommend it in 2015!”

– Brandon Hayes, Bank of American Fork

“The ability to cover different tracks as a community bank CFO is invaluable. We wear many hats and have to cover a wide variety of areas. This conference is the only one that I know of that offers an opportunity to do that.” – Mike Bennett, Bank of Idaho

TUESDAY – SEPTEMBER 22, 2015 ( continued )



OPERATIONS9:15-10:15 am Incorporating M&A

Into the Strategic Planning Process Gerry Smith, Director, Western Region, Austin Associates, LLC

Prepare for the next wave of M&A management in the strategic planning process. We will underscore the value of remaining proactive and guide you in preparing a strategic plan where key strategic priorities are framed around board consensus. The takeaways will be to understand the basic tenets of M&A policy, best practices and how to conduct a preliminary M&A analysis.

Matching the Colors of the Rubik’s Cube of Compensation Plans Sandra Dickerson, CEO, EW Business Partners

Compensation is the Rubik’s Cube that cannot be left unsolved. Compensation plans must withstand scrutiny from shareholders, regulators and the public while attracting talent, driving performance results and balancing stakeholder interests. Aligning your organization’s compensation philosophy, practices and current trends means tackling the compensation puzzle with creative ideas, practical tools and solid understanding.

Commercial Lending – Who Says It’s Not Regulated? Janet Bonnefin, Aldrich & Bonnefin, PLC

Commercial lending continues to be subjected to ever greater regulation, so commercial lenders need a working knowledge of the applicable regulations. And contrary to popular belief among some loan officers, commercial loans are subject to many of the so-called “consumer” regulations. This session will offer a practical approach to knowing when particular regulations apply and what the basic rules are under each regulation.

Optimizing Email for Desktop and Mobile Viewing: Keeping Email Users Satisfied and Engaged Laurie Beasley, President, Beasley Direct Marketing, Inc.

David Beasley, VP, Beasley Direct Marketing, Inc.

Email marketing is evolving from desktop to mobile viewing; however, financial services must not stop optimizing for desktop viewing. While 52% of email opens happen from mobile, only 2% click on links in the email from mobile vs. 11% who click from desktop. This session will cover the essentials of how to make sure your email is effective no matter where your customers are viewing.

Technology Trends Driving the Industry…According to Your Peers Zaid Akhter, VP of Sales, CSI

Which technologies are defining banking in 2015 and beyond? When you examine the responses of a recent industry survey, the answers might surprise you. Respondents identified technologies that are affecting their institution’s strategy, as well as their plans for technology adoption. We’ll dig into the results and examine how these strategies compare to where the industry – and your bank – is headed.


COMPLIANCE & RISK

SALES & MARKETING


10:30-11:30 am Building Long-Term Value – Now and in the Future Will Taylor, SVP, Vining Sparks

Today’s struggle with net interest margin and ROE are a result of the conflict between regulatory guidelines and shareholder mandates. We’ll look at ways to build long-term value and you’ll take away questions to ask your board about how best to prioritize key performance components of the balance sheet. Leave with a viable understanding of the cost of waiting to invest excess liquidity in an uncertain rate environment.

The Cultural Impacts of M&A

David Noland, President & General Counsel, HRCentral Corporation

Whether you are acquiring, being acquired or merging, the culture of your bank will change. Even if both cultures are exceptional, a clash of cultures can lead to a loss of critical employees, the loss of key customers for either bank and can even lead to a poor reputation. Get an overview of the bank culture shakeup, and take away some tips to start managing potential mergers and acquisitions today.

Current State and Expectations for Third Party Management

Bharat Nair, Sr. Manager, WolfPAC Solutions Group, Wolf & Company, PC

Vendor management is a critical component in a financial institution’s annual compliance and risk assessment program. A strong vendor management program may not increase revenue, but a poorly managed program will cost plenty. At the same time, the program should also ensure that an institution’s due diligence and annual monitoring is proportionate to the inherent risk an individual vendor poses to the institution.

From a Position of Disadvantage, I Will Steal Your Customer in 40 Seconds

Scott Morgan, VP, Portfolio & Banking Strategies, Precision Lender

Do you hate seeing a competitive offer arrive with a customer? You should love it, because now you know more than enough to win that deal. If you’re still letting rate decide every deal, you’re missing out on 50% of the deals you should be winning. How would your department look if you won just one more deal each day?

Cloud Computing – Grow Your Banking Business, Not Technology

Kevin Paugh, Association Manager, D+H

Community banks are facing mounting business and IT challenges: budget constraints, improving customer service, regulatory compliance, security/risk avoidance, protecting client data and reporting/audit trails. Learn how Cloud computing offers your bank a viable means to address these challenges, allowing you to focus on growing your banking business rather than your technology investment.

11:30 am-1:30 pm Lunch in Expo

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TUESDAY – SEPTEMBER 22, 2015 ( continued ) 1:30-2:30 pm General Session

Thriving in an Era of Digital DisruptionJP Nicols, title, firm

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COMPLIANCE & RISK

SALES & MARKETING


2:45-4:45 pm Working Peer Group Session

Top 10 Most Common Asset Liability System Modeling Errors

Will Taylor, Senior Vice President, Vining Sparks

Gain a thorough understanding of the most common asset liability risk management modeling errors that are identified in the model validation process. We’ll address how and why these errors may occur and the corrective actions end users can take to improve the forecasting results of models.

Working Peer Group Session

Defining the Dynamic Leader Within: Leading in the Relationship Age

Nicole Sherman, SVP, Retail Administration, Columbia Bank

By learning to live and lead from Cause vs. Effect™, the most accomplished leaders master leading in the Relationship Age. To get where you’ve never been, you must do what you’ve never done. This unique session will give you the tools to discover the dynamic leader within and provides a proactive approach to obtaining desired leadership results.


Compliance Confessional: Case Studies in Action

Pam Perdue, EVP, Regulatory Operations, Continuity Control

Get an overview of the latest regulatory “hot topics” using case studies ripped from the headlines and recent enforcement actions. This is ideal for those interested in gaining a variety of viewpoints of your peers who may struggle with the same compliance concerns as you do. Gather new inputs and gain mastery over compliance management.


Decision Making, The Path To Purchase and The Marketing Playbook

Patrick Grosserode, Product Manager, Acquisition & Growth Solutions, Deluxe Corp.

This presentation begins with a discussion of the physiology of making a purchase decision and will segue into proprietary research from Forrester (commissioned by Deluxe) on the path to purchase. Armed with this information, we will discuss the impact we can have as marketers.


Cybersecurity: What You Must Know and Do

Andrew Kim, Director, FIS Global

Cybersecurity breaches continue to happen to banks, and the threats are becoming more and more sophisticated. We’ll examine case studies to learn how to handle these advanced cybersecurity attacks, prevent breaches and pass regulatory scrutiny.

3:30-4:30 pm Reception in Expo with Exhibitor Prize Drawings

Evening Open

JP NICOLS

NEW Lunch and Partner ShowcaseMonday September 21, 11:45 am-1:45 pm

Don’t miss this exciting five-minute platform! 20 of our Endorsed Vendors will each take the stage for just 5 minutes to present top-notch options that will enhance your bank’s competitive advantage. Don’t forget: we will only be holding a one-day expo at this year’s Education Summit - this is the perfect opportunity for you to get a short overview of all of our Endorsed Program Partners before visiting their booth.

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WEDNESDAY - SEPTEMBER 25, 20157:15-8:00 am Breakfast



OPERATIONS8:00-9:00 am Interest Rate

Strategies for 2015 and BeyondPradeep Bhatia, Co-CEO, Derivative Path, Inc.

Community banks have been challenged with organic growth headwinds and net interest margin compression. As a result, many community banks are considering whether they should develop an acquisition strategy to grow net income and provide a return to their shareholders.

The Evolution of Talent Management, or The Death of HREric Swenson, Managing Director, RSJ / Swenson, LLC

Experience counts. But in a rapidly changing business environment, rife with potential mergers and acquisitions, how does that “experience” blend in with the new ways of thinking that are imperative in The New Economy? We’ll showcase how banking HR leaders are getting a seat at the table by leveraging experience of the past while embracing change initiatives that executives and boards are asking for. Become the leader your CEO is asking you to bean be in the workplace.

UDAAP – What Have We Learned Five Years Into the Dodd Frank Act Dan Huston, Moss Adams, LLP

What have we learned about mitigating risk related to assertion of UDAAP and violations of the FTC Act, Section 5 from where the concept of UDAAP is derived? We’ll evaluate the impact of enforcement actions and trending by regulatory agencies in target industries and discuss best practices for mitigating risk in this area

Secure Mobile Banking: Trends, Risks and OpportunitiesCraig Moore, SVP, Dragnet Solutions, Inc.

To serve today’s mobile customers, banks need to offer safe and compelling mobile banking experiences. And new mobile apps will go even further, supporting traditional in-branch operations such as account onboarding and transforming every smartphone and tablet into a mini-branch. This session offers a crash course in preparing for this next generation of banking apps and garnering the most revenue possible from mobile banking.

EMV Cards – Chipping Away at Fraud William Kniering, Director, Commercial Card Client Management, MUFG Union Bank

Credit cards have been around for a long time and commercial cards have been part of business for more than 40 years, and issuers have always tried to keep one step ahead of the fraudsters. Will the introduction of chip-and-PIN (EMV) cards eliminate the breaches that have been in the news? What does the liability shift really mean?

9:15-10:30 am Peer Exchange Session10:45 am-Noon Closing General Session

Unleashing the Future: Rethinking the Banking Industry, One Customer at a Time Thomas Frey, Futurist

People make decisions today based on their interpretation of what the future holds and most will agree that we are seeing a number of converging forces that will both rewrite the rules of business and redefine the world of banking. Each of these driving forces has the potential of blindsiding us if we don’t spend time thinking about the world ahead. As we take this journey into the future, we will look at big picture issues like global demographic shifts, global employment trends, and changing economic developments as well as banking-specific trends such as the future of risk, cryptocurrency, crowdfunding, peer-to-peer exchanges, and micro-currencies. Join Futurist Thomas Frey as he takes us on a journey to the future we won’t soon forget.

Noon Conclusion of Education Summit

‘WIB knows how to put on a “class A” conference! Top notch information from top notch presenters.’

-Yvonne Townsend, Northwest Bank

TH

OMAS FREY

REGISTRANT INFORMATION

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MAIL: Western Independent Bankers 555 Montgomery Street, Suite 750, San Francisco, CA 94111

FEES

CFO & Finance Track Compliance & Risk Track HR & Training Track Sales & Marketing Track Technology & Operations Track

Fees AmountEarly Bird WIB Bank Member $895 $Early Bird WIB Associate Member $1,045 $ Early Bird Discount - Before 8/15 - $100 $Nonmember Bank $1,395 $OPTIONAL EVENT: Gaslamp Wine & Food Walking Tour $125 $EXTRA: Monday Lunch & Partner Showcase Ticket * $75 $EXTRA: Monday Reception, Dinner & Casino Night Ticket * $150 $EXTRA: Tuesday Lunch in Expo Ticket * $75 $EXTRA: Tuesday Reception in Expo Ticket * $75 $ TOTAL $

* One ticket included in Summit registration

2015 EDUCATION SUMMIT & EXPO REGISTRATIONSeptember 21-23, 2015 • Hilton San Diego Bayfront

Cancellation Policy: Registration fees minus $75 processing fee per registrant will be refunded if cancellation is received by September 7, 2015. No refund if cancellation is received after September 7, 2015. Substitutions welcomed. WIB is not responsible for airfare penalties incurred due to the cancellation of this program.

Registration includes: All conference meals/breaks, receptions, events and sessions unless otherwise noted as an optional event where additional fee is required.

PAYMENT INFORMATION

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Check enclosed (Payable to: Western Independent Bankers) 2015 Season Pass for Learning1

Complimentary Registration: ____________________________________1 To check on your bank’s Season Pass status, write [email protected] or call

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555 Montgomery StreetSuite 750San Francisco, CA 94111

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Learn more & register at www.wib.org, call (415) 352-2323 or write [email protected]