37 th Annual Eide Bailly Bankers Seminar REVOLUTIONARY LEADERSHIP NEW WAYS TO THINK ABOUT BANKING th Annual Bankers Seminar

Transcription

1 37 th Annual Eide Bailly Bankers Seminar REVOLUTIONARY LEADERSHIP NEW WAYS TO THINK ABOUT BANKING November 1 November 2 November th Annual Bankers Seminar

2 CONTENTS LOCATIONS MEET OUR KEYNOTE SPEAKERS FARGO SCHEDULE BISMARCK, NORMAN & TULSA SCHEDULE BILLINGS, DENVER & SALT LAKE CITY SCHEDULE SPOKANE SCHEDULE MANKATO SCHEDULE SIOUX FALLS SCHEDULE REGISTRATION INFORMATION

3 REVOLUTIONARY LEADERSHIP Eide Bailly is honored to present the 37th annual Eide Bailly Bankers Seminar. We are pleased to provide bankers with industry insights and valuable information at these complimentary seminars. With each passing year, it seems that technology is pushing the boundaries of what we think is possible. Artificial intelligence is beginning to blur the line between what is human and what is digital. Banking is and always will be a relationship business, but disruption is inevitable given this pace of change. Gary Smith, CPA Director of Financial Institutions 2017 HIGHLIGHTS Lunch will be served in Fargo, Bismarck, Billings, Denver, Norman, Salt Lake City, Sioux Falls, Spokane and Tulsa. The seminar will be followed by a business reception at all locations. SPREAD THE WORD Share this invitation with your colleagues! But this also sets the stage for revolutionary leadership and the opportunity for new ways to think about banking that will benefit your bank, your community and your stakeholders. We cordially invite you to join Eide Bailly and your peers at our seminars, where we will discuss opportunities and best practices for financial institutions in 2018 and beyond. Eide Bailly has always been committed to delivering superior services and tailored solutions that provide added value to you and your bank. The 2017 seminars will include: Speakers who understand the issues bankers face in the current economic and regulatory environment. The opportunity to interact with professionals who possess a broad spectrum of knowledge in tax, accounting, regulatory, legal and other areas of banking. A fun and educational setting to connect with friends and colleagues. This is an event no banker should miss, so reserve your place today. Refer to page 18 for three convenient ways to register. WHO SHOULD ATTEND Anyone involved in the banking industry is invited to attend. The half-day seminars are designed primarily for bank executives, lenders, operations managers, bank directors and bank professionals. Attire is business casual. Meeting room climates vary, so please wear layered clothing to ensure your personal comfort. You are welcome to attend all seminars. Please refer to the following pages for a detailed schedule of each location, or visit our website at

4 LOCATIONS VENUE AND HOTEL INFORMATION Registrants are asked to make their own hotel reservations. A block of rooms has been reserved at each hotel for seminar attendees. Tell the reservations clerk you are attending the Eide Bailly Bankers Seminar to receive the special room rate. The block of rooms will only be held for a limited time, so make your reservations early. FARGO, NORTH DAKOTA WEDNESDAY, NOVEMBER 1 Hilton Garden Inn th Ave. S. Fargo, North Dakota Call to make hotel reservations. BISMARCK, NORTH DAKOTA WEDNESDAY, NOVEMBER 1 Radisson Hotel New Venue! 605 E. Broadway Bismarck, North Dakota Call to make hotel reservations. BILLINGS, MONTANA WEDNESDAY, NOVEMBER 1 Eide Bailly Office 401 N. 31st St., Ste Billings, Montana DENVER, COLORADO WEDNESDAY, NOVEMBER 1 New Location! Eide Bailly Office 7001 E. Belleview Ave., Ste. 700 Denver, Colorado NORMAN, OKLAHOMA WEDNESDAY, NOVEMBER 1 Eide Bailly Office 2402 Westport Dr. Norman, Oklahoma SALT LAKE CITY, UTAH WEDNESDAY, NOVEMBER 1 Eide Bailly Office 5 Triad Center, Ste. 600 Salt Lake City, Utah SPOKANE, WASHINGTON WEDNESDAY, NOVEMBER 1 Eide Bailly Office 999 W. Riverside Ave., Ste. 200 Spokane, Washington TULSA, OKLAHOMA WEDNESDAY, NOVEMBER 1 Eide Bailly Office 810 S. Cincinnati Ave., Ste 600 Tulsa, Oklahoma MANKATO, MINNESOTA THURSDAY, NOVEMBER 2 Verizon Wireless Center One Civic Center Plaza Mankato, Minnesota Call to make hotel reservations. SIOUX FALLS, SOUTH DAKOTA WEDNESDAY, NOVEMBER 8 Hilton Garden Inn Downtown 201 E. 8th St. Sioux Falls, South Dakota Call to make hotel reservations th Annual Bankers Seminar

5 MEET OUR KEYNOTE SPEAKERS DR. DAVID KOHL WEDNESDAY, NOVEMBER 1 FARGO LIVE STREAMING: BISMARCK, BILLINGS, DENVER, NORMAN, SALT LAKE CITY, SPOKANE, TULSA THURSDAY, NOVEMBER 2 MANKATO Agriculture and Ag Lending at the Crossroads: Dr. David Kohl, Professor, Ph.D., Professor Emeritus, Virginia Tech Dr. David Kohl received his M.S. and Ph.D. degrees in Agricultural Economics from Cornell University. He has published four books and more than 2,100 articles on financial and business-related topics in journals, extension and other popular publications. For 25 years, Kohl was Professor of Agricultural Finance and Small Business Management and Entrepreneurship in the Department of Agricultural and Applied Economics at Virginia Tech, Blacksburg, Virginia. The Kohl Agribusiness Centre has been established in the College of Agriculture and Life Sciences at Virginia Tech in honor of his long-term commitment to practical teaching, research, and extension. In 2017, Kohl was inducted into the Virginia Tech College of Agriculture and Life Sciences Hall of Fame. Dr. Kohl s personal involvement with agriculture and interaction with key industry players provide a unique perspective into the future trends of the agricultural industry and economy. TOBY MADDEN WEDNESDAY, NOVEMBER 1 FARGO LIVE STREAMING: BISMARCK, BILLINGS, DENVER, NORMAN, SALT LAKE CITY, SPOKANE, TULSA WEDNESDAY, NOVEMBER 8 SIOUX FALLS The Intelligence Revolution: Toby Madden, Futurist Economist Toby Madden is an experienced economist who speaks about the economic outlook, Federal Reserve Policy and value chain analysis. As a former regional economist in the public affairs department at the Federal Reserve Bank of Minneapolis, Toby s experiences backed by his education, research statistics and survey results help you make better financial decisions. Toby is the author of the book Club Fed: The Good, the and the Fixable which explores the good and the bad of money, banking and the Federal Reserve. Madden received his undergraduate degree in Accounting and obtained an MBA in Finance from the University of Minnesota and completed Ph.D. coursework in applied economics. Since retiring from the Fed, Madden now owns an economic financial consulting firm, Power Parametrics, LLC. REVOLUTIONARY LEADERSHIP 5

6 WEDNESDAY, NOVEMBER 1 FARGO SCHEDULE AT A GLANCE 11:00 A.M. 12:00 P.M. REGISTRATION & LUNCH 12:15 4:30 P.M. GENERAL SESSION 4:30 5:30 P.M. CONCURRENT SESSIONS 5:30 7:00 P.M. BUSINESS RECEPTION AGENDA 12:15 P.M. WELCOME & GENERAL SESSION BEGINS 12:30 1:30 P.M. KEYNOTE SPEAKER Agriculture and Ag Lending at the Crossroads: Dr. David Kohl, Professor Emeritus, Virginia Tech Now entering the fourth year of the agricultural economic reset, varying degrees of financial stress are emerging in many agricultural sectors. The topics of discussion from the lending desk to the board room range from which customers to refinance or restructure debt, to which customers are positioned to capitalize on this economic environment. This session will provide a view of the state of agriculture and agriculture lending including new emerging trends that will impact the income statements and balance sheets of your customers. Activities in Europe, China, and in the current administration domestically can alter economics in a New York minute. 1:30 2:30 P.M. KEYNOTE SPEAKER The Intelligence Revolution: Toby Madden, Futurist Economist The Intelligence Revolution is occurring due to changes in programming techniques that have made computers more like us. These techniques include deep learning, artificial intelligence, big data, quantum computing and others. Come hear futurist economist Toby Madden discuss how the Intelligence Revolution will impact and change economic, political and social systems. You will learn more about the Intelligence Revolution and how this will affect you and your organization. Madden is an experienced economist who worked at the Federal Reserve Bank of Minneapolis for more than 20 years and has more than a decade of experience in the financial services industry and real estate. 2:45 4:00 P.M. REGULATORY PANEL Regulatory Panel, Moderated by Gary Smith and Don Johnson, Eide Bailly Eide Bailly Partners Gary Smith and Don Johnson will moderate a discussion with various banking regulators from the FDIC, OCC and FRB on current topics important to the banking industry, and uncover their perspective on current issues. This is your opportunity to communicate and weigh in with regulators about matters facing the banking industry. Texting and polling technology will be used during this session, so bring your mobile device and questions th Annual Bankers Seminar

7 WEDNESDAY, NOVEMBER 1 4:00 4:30 P.M. STATE OF BANKING UPDATE The State of Banking Lise Kruse, Chief Examiner from the North Dakota Department of Financial Institutions share valuable insights on the banking environment in North Dakota. 4:30 5:30 P.M. CONCURRENT SESSIONS Session A1 Current Expected Credit Losses (CECL) One Year Closer to Implementation, Eide Bailly As we pass the one-year anniversary of the current expected credit loss model (CECL), the financial institution industry has had time to digest the contents of CECL and its potential impact. While the implementation date for the new standard will be after December 2020 for smaller financial institutions, the timeframe between now and the implementation date should be used wisely. Planning early for CECL will result in better decision making and design of a CECL approach that better serves your financial institution. Partner Darrell Lingle and Senior Manager Shane Husar will discuss options for successful CECL implementation. Session A2 Compliance An Evolution, Eide Bailly Revolutionary this is how we need to think about compliance. It is ever-changing and requires you to constantly be thinking about ways to enhance your operations and customers experiences. As we explore new ways to think about banking, the role of compliance is taking on a whole new look. During this session, Compliance Principal Ann Rockswold will discuss new developments with TRID, the Military Lending Act, BSA enhanced due diligence requirements, prepaid cards, HMDA, and other hot topics. Session A3 Tax Planning in the Current Environment and an M&A Update, Eide Bailly With all the uncertainty of when or if tax reform will be passed, how should your bank move forward with tax planning? In this session, Partner Tim LeClair and Partner Jill Schneider will discuss the current tax reform proposals and tax planning strategies to capitalize on the possibility of reduced tax rates. In addition, we will provide an overview of trends in transaction pricing in the community banking M&A market. Session A4 Selecting and Retaining the Best A Guide to Finding and Keeping Top Talent, Eide Bailly In this session you will learn current recruitment tactics to attract, impress and hire talent for key positions within your bank. Director of Human Resources Lisa Fitzgerald will also cover how to retain those key hires as well as your star performers once you get them on board. In today s war for talent, having tools in your kit to accomplish these goals will help you be as successful as possible. 5:30 7:00 P.M. BUSINESS RECEPTION Eide Bailly will host a reception with hors d oeuvres and beverages. Stay a while and mingle with your friends and colleagues! REVOLUTIONARY LEADERSHIP 7

8 WEDNESDAY, NOVEMBER 1 BISMARCK - NORMAN - TULSA SCHEDULE AT A GLANCE 11:00 A.M. 12:00 P.M. REGISTRATION & LUNCH 12:15 4:00 P.M. GENERAL SESSION 4:00 5:15 P.M. INDUSTRY UPDATES 5:15 7:00 P.M. BUSINESS RECEPTION AGENDA 12:15 P.M. WELCOME & GENERAL SESSION BEGINS 12:30 1:30 P.M. KEYNOTE SPEAKER (LIVE VIDEO) Agriculture and Ag Lending at the Crossroads: Dr. David Kohl, Professor Emeritus, Virginia Tech Now entering the fourth year of the agricultural economic reset, varying degrees of financial stress are emerging in many agricultural sectors. The topics of discussion from the lending desk to the board room range from which customers to refinance or restructure debt, to which customers are positioned to capitalize on this economic environment. This session will provide a view of the state of agriculture and agriculture lending including new emerging trends that will impact the income statements and balance sheets of your customers. Activities in Europe, China, and in the current administration domestically can alter economics in a New York minute. 1:30 2:30 P.M. KEYNOTE SPEAKER (LIVE VIDEO) The Intelligence Revolution: Toby Madden, Futurist Economist The Intelligence Revolution is occurring due to changes in programming techniques that have made computers more like us. These techniques include deep learning, artificial intelligence, big data, quantum computing and others. Come hear futurist economist Toby Madden discuss how the Intelligence Revolution will impact and change economic, political and social systems. You will learn more about the Intelligence Revolution and how this will affect you and your organization. Madden is an experienced economist who worked at the Federal Reserve Bank of Minneapolis for more than 20 years and has more than a decade of experience in the financial services industry and real estate. 2:45 4:00 P.M. REGULATORY PANEL (LIVE VIDEO) Regulatory Panel, Moderated by Gary Smith and Don Johnson, Eide Bailly Eide Bailly Partners Gary Smith and Don Johnson will moderate a discussion with various banking regulators from the FDIC, OCC and FRB on current topics important to the banking industry, and uncover their perspective on current issues. This is your opportunity to communicate and weigh in with regulators about matters facing the banking industry. Texting and polling technology will be used during this session, so bring your mobile device and questions th Annual Bankers Seminar

9 WEDNESDAY, NOVEMBER 1 4:00 4:30 P.M. STATE OF BANKING UPDATE (LIVE) The State of Banking Assistant Commissioner Aaron Webb will join us in Bismarck from the North Dakota Department of Financial Institutions. Roger Beverage, President and CEO of the Oklahoma Bankers Association, will join us in Norman and a representative from the Oklahoma State Banking Department is invited to join us in Tulsa. They will share valuable insights on the banking environment in North Dakota and Oklahoma. 4:30 5:15 P.M. INDUSTRY UPDATES AND TRENDING ISSUES (LIVE) What issues will your bank be facing as we turn the corner toward 2018? From the possibility of tax reform to compliance concerns and CECL implementation, Eide Bailly professionals will discuss the current topics that are relevant to your bank s continued success. 5:15 7:00 P.M. BUSINESS RECEPTION Eide Bailly will host a reception with hors d oeuvres and beverages. Stay a while and mingle with your friends and colleagues! REVOLUTIONARY LEADERSHIP 9

10 WEDNESDAY, NOVEMBER 1 BILLINGS - DENVER - SALT LAKE CITY SCHEDULE AT A GLANCE 11:00 A.M. REGISTRATION & LUNCH 11:15 A.M. 3:00 P.M. GENERAL SESSION 3:00 4:15 P.M. INDUSTRY UPDATES 4:15 6:00 P.M. BUSINESS RECEPTION AGENDA 11:15 A.M. WELCOME & GENERAL SESSION BEGINS 11:30 A.M. 12:30 P.M. KEYNOTE SPEAKER (LIVE VIDEO) Agriculture and Ag Lending at the Crossroads: Dr. David Kohl, Professor Emeritus, Virginia Tech Now entering the fourth year of the agricultural economic reset, varying degrees of financial stress are emerging in many agricultural sectors. The topics of discussion from the lending desk to the board room range from which customers to refinance or restructure debt, to which customers are positioned to capitalize on this economic environment. This session will provide a view of the state of agriculture and agriculture lending including new emerging trends that will impact the income statements and balance sheets of your customers. Activities in Europe, China, and in the current administration domestically can alter economics in a New York minute. 12:30 1:30 P.M. KEYNOTE SPEAKER (LIVE VIDEO) The Intelligence Revolution: Toby Madden, Futurist Economist The Intelligence Revolution is occurring due to changes in programming techniques that have made computers more like us. These techniques include deep learning, artificial intelligence, big data, quantum computing and others. Come hear futurist economist Toby Madden discuss how the Intelligence Revolution will impact and change economic, political and social systems. You will learn more about the Intelligence Revolution and how this will affect you and your organization. Madden is an experienced economist who worked at the Federal Reserve Bank of Minneapolis for more than 20 years and has more than a decade of experience in the financial services industry and real estate. 1:45 3:00 P.M. REGULATORY PANEL (LIVE VIDEO) Regulatory Panel, Moderated by Gary Smith and Don Johnson, Eide Bailly Eide Bailly Partners Gary Smith and Don Johnson will moderate a discussion with various banking regulators from the FDIC, OCC and FRB on current topics important to the banking industry, and uncover their perspective on current issues. This is your opportunity to communicate and weigh in with regulators about matters facing the banking industry. Texting and polling technology will be used during this session, so bring your mobile device and questions th Annual Bankers Seminar

11 WEDNESDAY, NOVEMBER 1 3:00 4:15 P.M. STATE OF BANKING AND INDUSTRY UPDATES (LIVE) What issues will your bank be facing as we turn the corner toward 2018? From the possibility of tax reform to compliance concerns and CECL implementation, Eide Bailly professionals will discuss the current topics that are relevant to your bank s continued success. 4:15 6:00 P.M. BUSINESS RECEPTION Eide Bailly will host a reception with hors d oeuvres and beverages. Stay a while and mingle with your friends and colleagues! REVOLUTIONARY LEADERSHIP 11

12 WEDNESDAY, NOVEMBER 1 SPOKANE SCHEDULE AT A GLANCE 10:00 10:15 A.M. REGISTRATION 10:15 A.M. 2:00 P.M. GENERAL SESSION 12:30 P.M. LUNCH 2:00 4:00 P.M. INDUSTRY UPDATES 4:00 5:30 P.M. BUSINESS RECEPTION AGENDA 10:15 A.M. WELCOME & GENERAL SESSION BEGINS 10:30 11:30 A.M. KEYNOTE SPEAKER (LIVE VIDEO) Agriculture and Ag Lending at the Crossroads: Dr. David Kohl, Professor Emeritus, Virginia Tech Now entering the fourth year of the agricultural economic reset, varying degrees of financial stress are emerging in many agricultural sectors. The topics of discussion from the lending desk to the board room range from which customers to refinance or restructure debt, to which customers are positioned to capitalize on this economic environment. This session will provide a view of the state of agriculture and agriculture lending including new emerging trends that will impact the income statements and balance sheets of your customers. Activities in Europe, China, and in the current administration domestically can alter economics in a New York minute. 11:30 A.M. 12:30 P.M. KEYNOTE SPEAKER (LIVE VIDEO) The Intelligence Revolution: Toby Madden, Futurist Economist The Intelligence Revolution is occurring due to changes in programming techniques that have made computers more like us. These techniques include deep learning, artificial intelligence, big data, quantum computing and others. Come hear futurist economist Toby Madden discuss how the Intelligence Revolution will impact and change economic, political and social systems. You will learn more about the Intelligence Revolution and how this will affect you and your organization. Madden is an experienced economist who worked at the Federal Reserve Bank of Minneapolis for more than 20 years and has more than a decade of experience in the financial services industry and real estate. 12:30 LUNCH 12:45 2:00 P.M. REGULATORY PANEL (LIVE VIDEO) Regulatory Panel, Moderated by Gary Smith and Don Johnson, Eide Bailly Eide Bailly Partners Gary Smith and Don Johnson will moderate a discussion with various banking regulators from the FDIC, OCC and FRB on current topics important to the banking industry, and uncover their perspective on current issues. This is your opportunity to communicate and weigh in with regulators about matters facing the banking industry. Texting and polling technology will be used during this session, so bring your mobile device and questions th Annual Bankers Seminar

13 WEDNESDAY, NOVEMBER 1 2:00 3:00 P.M. STATE OF BANKING UPDATE (LIVE) The State of Banking Roberta Hollinshead, Director of Banks, Washington State Department of Financial Institutions, will be in Spokane to share valuable insights on the banking environment in Washington. 3:00 4:00 P.M. INDUSTRY UPDATES AND TRENDING ISSUES (LIVE) Current Expected Credit Losses (CECL) One Year Closer to Implementation, Eide Bailly As we pass the one-year anniversary of the current expected credit loss model (CECL), the financial institution industry has had time to digest the contents of CECL and its potential impact. While the implementation date for the new standard will be after December 2020 for smaller financial institutions, the timeframe between now and the implementation date should be used wisely. Planning early for CECL will result in better decision making and design of a CECL approach that better serves your financial institution. Partner Mitch Rasmussen will discuss options for successful CECL implementation. 4:00 5:30 P.M. BUSINESS RECEPTION Eide Bailly will host a reception with hors d oeuvres and beverages. Stay a while and mingle with your friends and colleagues! REVOLUTIONARY LEADERSHIP 13

14 THURSDAY, NOVEMBER 2 MANKATO SCHEDULE AT A GLANCE 12:30 1:00 P.M. REGISTRATION 1:00 3:30 P.M. GENERAL SESSION 3:40 5:30 P.M. CONCURRENT SESSIONS 5:30 7:00 P.M. BUSINESS RECEPTION AGENDA 1:00 P.M. WELCOME & GENERAL SESSION BEGINS 1:15 2:15 P.M. KEYNOTE SPEAKER Agriculture and Ag Lending at the Crossroads: Dr. David Kohl, Professor Emeritus, Virginia Tech Now entering the fourth year of the agricultural economic reset, varying degrees of financial stress are emerging in many agricultural sectors. The topics of discussion from the lending desk to the board room range from which customers to refinance or restructure debt, to which customers are positioned to capitalize on this economic environment. This session will provide a view of the state of agriculture and agriculture lending including new emerging trends that will impact the income statements and balance sheets of your customers. Activities in Europe, China, and in the current administration domestically can alter economics in a New York minute. 2:30 3:30 P.M. REGULATORY PANEL Regulatory Panel, Moderated by Al Nolte, Eide Bailly Partner Al Nolte of Eide Bailly will moderate a discussion with banking regulators from the State of Minnesota Department of Commerce, FDIC, OCC and FRB on current topics important to the banking industry and uncover their perspectives on the issues. This is your opportunity to communicate with regulators about matters facing the banking industry. 3:40 4:30 P.M. CONCURRENT SESSIONS - A Session A1 What Banks Need to Know About the M&A Market, Fredrikson & Byron, P.A.; Lindquist & Vennum PLLP; Winthrop & Weinstine, P.A.; and Eide Bailly We will provide an overview of trends in transaction pricing in the community banking M&A market and cover recent deal pricing, legal considerations, transaction issues and regulatory concerns. Eide Bailly Partner Don Johnson will moderate the discussion with Karla Ryerson, Fredrickson & Byron, P.A., Scott Coleman, Lindquist & Vennum PLLP, Anthony (Tony) Moch, Winthrop & Weinstine, P.A., along with Eide Bailly Partner John Fischer. Session A2 Compliance An Evolution, Eide Bailly Revolutionary this is how we need to think about compliance. It is ever-changing and requires you to constantly be thinking about ways to enhance your operations and customers experiences. As we explore new ways to think about banking, the role of compliance is taking on a whole new look. During this session, Compliance Principal Linda Albrecht will discuss new developments with TRID, the Military Lending Act, BSA enhanced due diligence requirements, prepaid cards, HMDA, and other hot topics th Annual Bankers Seminar

15 THURSDAY, NOVEMBER 2 Session A3 Current Expected Credit Losses (CECL) One Year Closer to Implementation, Eide Bailly As we pass the one-year anniversary of the current expected credit loss model (CECL), the financial institution industry has had time to digest the contents of CECL and its potential impact. While the implementation date for the new standard will be after December 2020 for smaller financial institutions, the timeframe between now and the implementation date should be used wisely. Planning early for CECL will result in better decision making and design of a CECL approach that better serves your financial institution. Partner Gary Smith and Senior Manager Bruce Richter will discuss options for successful CECL implementation. 4:40 5:30 P.M. CONCURRENT SESSIONS - B Session B1 Agriculture Lending Update and Dealing with your Problem Loans There s stress out there! Working capital is gone, leverage is increasing and borrowers can t cash flow. These are the realities facing agriculture lenders today. In this session, Partner Greg Clausen and Senior Manager Phil Traxler will discuss ways to deal with your problem loans. Session B2 Internal Audit - Preventative, Proactive & Valuable, Eide Bailly In this time of constant change and business disruptions, the cost of a breakdown in even one internal control in a high-risk area has the potential to be quite significant. But how do you monitor your internal controls in both an effective and efficient manner? Your internal audit function is likely the best tool you have for evaluating whether your controls are in place and functioning as intended. Senior Manager Katie Wayne and Manager Joscelyn Brown will help you learn how developing a strong, risk-based internal audit function will help you to monitor your internal controls and resolve the fear of the unknown. Session B3 Tax Update - Tax planning in the Current Environment With all the uncertainty of when or if tax reform will be passed, how should your bank move forward with tax planning? In this session, Partner Paul Sirek and Partner Rhea Hemish will discuss the current tax reform proposals, as well as tax planning strategies to capitalize on the possibility of reduced tax rates. 5:30 7:00 P.M. BUSINESS RECEPTION Eide Bailly will host a reception with hors d oeuvres and beverages. Stay a while and mingle with your friends and colleagues! REVOLUTIONARY LEADERSHIP 15

16 WEDNESDAY, NOVEMBER 8 SIOUX FALLS SCHEDULE AT A GLANCE 12:00 1:00 P.M. REGISTRATION & LUNCH 1:00 4:00 P.M. GENERAL SESSION 4:15 5:15 P.M. CONCURRENT SESSIONS 5:15 7:00 P.M. BUSINESS RECEPTION AGENDA 1:00 P.M. WELCOME & GENERAL SESSION BEGINS 1:15 2:15 P.M. KEYNOTE SPEAKER The Intelligence Revolution: Toby Madden, Futurist Economist The Intelligence Revolution is occurring due to changes in programming techniques that have made computers more like us. These techniques include deep learning, artificial intelligence, big data, quantum computing and others. Come hear futurist economist Toby Madden discuss how the Intelligence Revolution will impact and change economic, political and social systems. You will learn more about the Intelligence Revolution and how this will affect you and your organization. Madden is an experienced economist who worked at the Federal Reserve Bank of Minneapolis for more than 20 years and has more than a decade of experience in the financial services industry and real estate. 2:15 3:30 P.M. REGULATORY PANEL Regulatory Panel, Moderated by Davenport Evans You won t want to miss this discussion with banking regulators from the FDIC, OCC and FRB and our state regulator from South Dakota on current topics important to the banking industry. This session will uncover their perspectives on the issues and is your opportunity to communicate with regulators about matters facing the banking industry. 3:30 4:00 P.M. INDUSTRY UPDATES AND TRENDING ISSUES What issues will your bank be facing as we turn the corner toward 2018? Eide Bailly professionals will discuss the current topics that are relevant to your bank s continued success. 4:15 5:15 P.M. CONCURRENT SESSIONS Session A1 Current Expected Credit Losses (CECL) One Year Closer to Implementation, Eide Bailly and Plains Commerce Bank As we pass the one-year anniversary of the current expected credit loss model (CECL), the financial institution industry has had time to digest the contents of CECL and its potential impact. While the implementation date for the new standard will be after December 2020 for smaller financial institutions, the timeframe between now and the implementation date should be used wisely. Planning early for CECL will result in better decision making and design of a CECL approach that better serves your financial institution. Partner Darrell Lingle and CFO Josh Soodsma from Plains Commerce Bank will discuss options for successful CECL implementation th Annual Bankers Seminar

17 WEDNESDAY, NOVEMBER 8 Session A2 Selecting and Retaining the Best A Guide to Finding and Keeping top Talent, Eide Bailly In this session you will learn current recruitment tactics to attract, impress and hire talent for key positions within your bank. Human Resources Consultant Lauri Dahlberg will also cover how to retain those key hires as well as your star performers once you get them on board. In today s war for talent, having tools in your kit to accomplish these goals will help you be as successful as possible. Session A3 Internal Audit Preventative, Proactive, and Valuable In this time of constant change and business disruptions, the cost of a breakdown in even one internal control in a high-risk area has the potential to be quite significant. But how do you monitor your internal controls in both an effective and efficient manner? Your internal audit function is likely the best tool you have for evaluating whether your controls are in place and functioning as intended. Partner Tom Fogarty will help you learn how developing a strong, risk-based internal audit function will help you to monitor your internal controls and resolve the fear of the unknown. Session A4 Compliance Regulations, Rules, and Products: The Future of the Mortgage Industry, Eide Bailly and Windsor Mortgage Solutions Revolutionary this is how we need to think about mortgages. They are ever-changing and require you to constantly be thinking about ways to enhance your operations and customers experiences. As we explore new ways to think about banking, the role of compliance is taking on a whole new look. During this session, Compliance Principal Linda Albrecht from Eide Bailly and Chris Vinson from Windsor Mortgage Solutions will discuss new developments with TRID, HMDA, and other hot topics. 5:15 7:00 P.M. BUSINESS RECEPTION Eide Bailly will host a reception with hors d oeuvres and beverages. Stay a while and mingle with your friends and colleagues! REVOLUTIONARY LEADERSHIP 17

18 REGISTRATION There are three convenient ways to register: 1. Register online at 2. Complete and return the attached postage-paid reply card 3. Fax your registration card to PLEASE REGISTER EARLY To assist us with planning, we appreciate your early registration. We recommend registering online it s fast and easy! QUESTIONS? Please call us at CANCELLATION POLICY This is a free seminar. For planning purposes, we ask that you register in advance and notify us as soon as possible if you need to cancel. REGISTER ONLINE AT eidebailly.com/banking We encourage online registration, but if you prefer, please complete the RSVP card and mail, or fax to th Annual Bankers Seminar

19 Yes! I plan to attend the 37 th annual Eide Bailly Bankers Seminar. Name: Bank: City: Additional Registrants: I ll see you on (check all that apply): November 1 in Bismarck Billings Denver Norman Salt Lake City Spokane Tulsa November 1 in Fargo Concurrent Sessions A Attending (circle one): A1 A2 A3 A4 November 2 in Mankato Concurrent Sessions A Concurrent Sessions B Attending (circle one): A1 A2 A3 B1 B2 B3 November 8 in Sioux Falls Concurrent Sessions A Attending (circle one): A1 A2 A3 A4 RSVP I will stay for reception: Yes No My guest will stay for reception: Yes No Submit a question for the Regulatory Panel:

20 What inspires you, inspires us.