2008 ADVANCED FLORIDA DEPOSIT ACCOUNT ADMINISTRATION
November 18, 2008: Sheraton Miami Mart - Miami
November 19, 2008: Hyatt Regency - Sarasota
November 20, 2008: Airport Marriott - Orlando
November 21, 2008: Holiday Inn & Suites - Tallahassee
Speaker: Ken Golliher - Principal - Pegasus Educational Services, LLC

This program focuses on the correct methods for opening and maintaining non personal accounts. It explains the “what”, “when” and “why” of fiduciary and business accounts – relationships that usually require more than just a signature card to open and more than the decision of an individual to change. New BSA examination procedures place increased emphasis on “tiered” CIP programs and “customer due diligence”. Program content addresses when banks should consider implementing such changes and on what customers.

Fiduciary Accounts
The program explains the purposes of the various fiduciary accounts. It also indicates which are created by court order and which are created by the actions of an individual. It helps attendees know what to look for in the variety of legal documents financial institutions may require to open the account.
v Attorney-in-Fact (new regulations regarding U.S. Treasury checks)
v Guardianship: Representative Payee
v TIN Requirements
v Uniform Transfers to Minors Act
v Pre-paid Funeral Trust
v Grantor Trust
v Irrevocable Trust
v Decedent’s Estate
v Representative Paye
v IOTA Accounts
v Trust Synopses
v Deposit Insurance
v Court Orders
v Documentation Requirements

Business Accounts
The seminar explains each type of business organization recognized under Florida law. It reviews the documents a financial institution might require to open a business account and why each might be important. The manual includes sample forms, including those available from state and local resources, as well as the Internet. It also incorporates discussions regarding the proper use of forms available from vendors.
v TIN Requirements
v Campaign Accounts
v Sole Proprietorships
v Partnerships
v Limited Partnerships
v Limited Liability Companies
v Corporations
v Resolutions
v Certificates of Status
v Articles of Incorporation
v Licenses
v Articles of Organization
v DBA Registrations
v Deposit Insurance

Please bring a copy of each of your bank’s deposit contracts; e.g. signature cards and forms you routinely need to open or modify fiduciary and business accounts.

Who Should Attend
The program is designed for experienced new accounts representatives, supervisors and auditors.

Meet the Speaker
Ken Golliher is a principal with Pegasus Educational Services, LLC, a training firm headquartered in Louisville, Kentucky. He is an experienced banker with a unique ability to reduce complex legal concepts to plain English. He has explained the “why” and “how” of regulations to thousands of financial institution personnel and examiners. Ken’s banking career began in 1972 and includes serving as a teller, commercial operations manager and as trust department legal counsel in a state and a national bank. For ten years he headed the education division of a regional consulting firm for financial institutions. He has served on the faculty of the LSU Graduate School of Banking, the OTS’ Level I Compliance School and the FDIC’s Advanced Consumer Protection School for examiners. He has presented seminars in more than 25 states and has served as an instructor at compliance schools sponsored by the Illinois, Indiana, Iowa, Georgia, Kansas, Kentucky, Nebraska, Oklahoma, Pennsylvania and Texas bankers associations. He is a member of the Society for Applied Learning Technology. He is also a moderator of the BSA and Florida forums at http://www.bankersonline.com/

Seminar Schedule
8:30 a.m. - Registration
9:00 a.m. - Meeting
4:00 p.m. - Adjournment

A brochure with a registration form will be available approximately 60 days before the event.