Inspiring Adaptability Flexibility and Growth

ENLIGHTEN May 6-9, 2012 • Hilton Daytona Beach Oceanfront Resort

MUG 2012 Theme.indd 1 4/12/12 4:50 PM 12-0097 Miser User Group Ad Full_Layout 1 3/29/12 1:53 PM Page 1

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THANK YOU To Our 2012 MISER Users Group Annual Meeting Sponsors!

Platinum Sponsors FIS ACI Worldwide Unisys/Burroughs

Please attend our Platinum Sponsors’ Sessions Monday: 10:30 – 11:30 AM – ACI Worldwide • Coquina G Monday: 2:45 – 3:45 PM – FIS • Coquina F Tuesday: 3:00: 4:00 PM – Unisys • Coquina H

Gold Sponsors Online Resources

Silver Sponsors Intuit Élan Meridian Link

Bronze Sponsors Attachmate BankTel Systems DataCard Group 2 MUG 2012 MISER USERS GROUP 2012 ANNUAL MEETING May 6-9, 2012 • Hilton Daytona Beach Oceanfront Resort

Table of contents in order of appearance Information and Schedule

Important Information ...... 4

Schedule ...... 5

Meeting Room Map...... 17

Exhibitor Listing ...... 18

Monday, May 7

The MISER Core at the System Level...... 27

IRS, Year-End Tax Reporting ...... 33

Enterprise Data Security ...... 37

Tuesday, May 8

BI Above & Beyond ...... 41

Regulatory Update: Deposits ...... 45

Regulatory Update: Lending ...... 55

Maximizing Enterprise Output Manager ...... 63

Miser Purging: Best Practices...... 79

Wednesday, May 9

Mobile Banking Users Panel ...... 83

MUG 2012 3 Important Information

MUG PUB: This year, the main bar in the Hilton has Hotel check out time is 11:00 AM. Checking out been renamed the “MUG PUB” and is the central later than that could result in additional charges. meeting place for after-hour networking with If you need a late check-out, please ask the Hilton colleagues! Front Desk if it is available. On Wednesday, when the program ends around noon, the hotel will be Prizes: All of our Platinum Sponsor Vendor Sessions prepared for a large number of early checkouts and feature prizes valued at $500 each, and all you have will be able to hold your luggage for you if you wish to do is attend and get a ticket for the drawing – to check out before the sessions begin and then pick don’t be late, though as tickets are only given out up your luggage afterwards. during the first 15 minutes. Thank The Sponsors: Be sure to thank the 2012 Your badge must be worn for entry into all MUG MUG Annual Meeting Sponsors! Their support is vital meeting rooms and the Experience Center (exhibit to the overall success of the meeting. hall). FIS Sessions are open to Users and approved FIS Attire for the entire meeting is casual. Be sure to vendors only. dress in layers and carry a sweater or jacket, as temperature in the meeting rooms is difficult to Welcome Party: After we wine and dine you in the regulate, and may be cold or warm. Experience Center (exhibit hall) on Sunday, the party continues outside by the Clock Tower at the FIS Remember to Vote in the annual MUG elections. If sponsored welcome party. This year’s outdoor picnic you are the the primary contact for your Financial theme also features very special entertainment – Institution, then you are the voting representative; music, a palm reader, henna and airbrush tattoo please stop by the Registration Desk and sign in for artist, and a caricature artist! More information can your ballot. be found in the flyer in your registration packet.

Visit the Exhibitors! Not only do they have the Annual MUG party Tuesday night is across the street latest products, technologies and systems to make from the hotel at the Daytona Lagoon and has a your life easier… they also hold the stamps for the Gilligan’s Island theme. You don’t have to swim or ever-important Grand Prize Giveaway Drawing Card even wear a bathing suit to enjoy this party – there – a $1,500 Best Buy Gift Card! In addition, a cash will be dinner, drinks, live music and dancing, as well drawing will be held at every event in the Experience as lots of special contests and events described in Center (exhibit hall)…breakfasts, breaks, desserts, the flyer enclosed in your registration packet. (Do and receptions. remember your ID for security reasons and bring cash if you wish to purchase cocktails – wine and A message board is located near the MUG beer are free. registration desk for messages coming into the hotel and messages you wish to send to colleagues.

In consideration of others, please be sure to turn off your cell phone before entering meeting rooms. We ask that you refrain from smoking during all parties and meal functions.

4 MUG 2012 MISER USERS GROUP 2012 ANNUAL MEETING May 6-9, 2012 • Hilton Daytona Beach Oceanfront Resort

SUNDAY, MAY 6, 2012 7:00 – 11:00 a.m. 3:30 – 5:00 p.m. Decorator Set-Up for Exhibits Subgroup Meetings Room: Coquina Ballroom A-E Please attend the business meeting of your regional or institution subgroup. You don’t have to have been 10:00 a.m. – 7:00 p.m. Registration Open active in the subgroup before; this is your opportunity to meet other users in the group and discuss best Oceanview Preconvene North practices and challenges. Name badge Lanyards Sponsored by Intuit Eastern MISER Users Group (EMUG): Room: Coquina G North Eastern Region MUG (NEARMUG): Conference Tote Bags Sponsored by Online Resources Room: Coquina H INDYMUG/CHUG: Room: Flagler B 11:00 a.m. – 4:00 p.m. Exhibitor Set-up – Coquina A-E Credit Union MUG (CUMUG): Room: Flagler C 11:00 a.m. – Noon MUG Executive Committee Meeting 5:15 – 7:00 p.m. Noon – 1:00 p.m. Welcome Reception with Exhibitors Executive Committee and Subgroup Enjoy hors d’oeuvres, two free drink tickets for beer Chairs Luncheon and wine, and a cash bar at the opening social event Room: OceanView Room (second level) of the Conference. 1:00 – 2:30 p.m. Room: Exhibit Hall – Coquina A-E MOSUG Meeting 7:15 – 10:00 p.m. Room: Coquina F FIS Welcome Dinner 1:00 – 2:20 p.m. Location: The Clock Tower Patio Open Rooms: User Collaboration Meetings Get together with your friends and colleagues at the Room: Flagler A, B, & C annual opening party of the MUG Conference! Enjoy If you wish to use one of these meeting rooms, please dinner, drinks, and music out on the patio on the sign up for a time at the Registration Desk. beach side of the hotel. Refer to the flyer enclosed in your registration envelope for a full menu description 2:30 – 3:30 p.m. as well as entertainment descriptions. ACI Worldwide User Session Room: Coquina G Sponsored by FIS BA Advisory Board Room: Coquina H Xyquad User Meeting Room: Flagler A

MUG 2012 5 MONDAY, MAY 7

7:15 a.m. – 5:00 p.m. 10:00 a.m. – 6:30 p.m. Registration Open Exhibit Hall Open Room: Oceanview North Coquina A-E

7:15 – 8:00 a.m. 10:00 – 10:30 a.m. Continental Breakfast in Exhibit Hall/ Networking Break with Peers and Showcase Exhibitors Room: Coquina A-E Sponsored by Datacard Group Sponsored by: Elan

$100 Cash Drawing!

$100 Cash Drawing! CONCURRENT SESSIONS Please note that the Exhibit Hall will remain closed during our opening ceremonies so that everyone can 10:30 - 11:30 a.m. take part! Branch Automation Release and Highlights Room: Coquina F 8:00 – 8:15 a.m. Lenn Freeman, FIS Welcome and Opening Remarks Earl Higginbotham, Chair, MISER Users Group Moderator: Brad Grant, Wings Financial Credit Union Room: Grand Ballroom Sit back and prepare to be enlightened about the 2012 MISER Branch Automation Release highlights. 8:15 - 10:00 a.m. During this session, learn how the MISER BA workflow FIS Strategic Products and Services toolkit will move your institution to the next level, Update and MISER Product Direction adding both flexibility and structure to your daily Join FIS MISER Executive Leaders for a recap of the processes. You’ll also be inspired by a review of FIS and MISER products and services as well as a MISER BA’s best forgotten features to renew your look forward for 2012. zest for computing. Room: Grand Ballroom Suggested Audience: Deposits, Loans, Branch 8:35 - 9:00 a.m. Operations FIS & UNISYS FIRST Innovations Award The 2nd Annual FIRST Innovations Award will recognize one of your fellow MISER Institutions for a unique innovation in 2011. Room: Grand Ballroom Visit the Exhibitors! 9:00 – 10:00 a.m. They have the latest products, Jackie Roberts, Lenn Freeman, FIS Join the FIS MISER Product Managers for a technology, and systems to presentation demonstrating how MISER is leveraging make your life easier. the power of FIS through INTEGRATION to FIS strategic products and services. Room: Grand Ballroom

6 MUG 2012 MONDAY, MAY 7

ACI Worldwide Vendor Session: ACI/ 11:30 a.m. - 12:30 p.m. S1 Branch Automation and Interaction New Attendee Luncheon Management Room: Oceanview Room Room: Coquina G New Attendees only!!! Please attend an enlightening Moderator: Mike Dembowski, Workers’ Credit Union meet-and-greet luncheon with the MUG Executive Committee and Subgroup Chairs. Learn the ins and Drawing for Five $100 Cash Awards! outs of the conference and the value of your MUG Don’t get marooned on an island without customer membership. Meet your subgroup chairperson and affecting branch technology. Come join the professor hear how you can participate and listen to what and see what technologies those crazy castaways your peers are experiencing with MISER and other would have swum to the mainland for! Topics include solutions. The MUG leadership is available to answer S1’s move to ACI (what does it all mean?), trending your questions and help you get the most out of your FSBA features and directions with an emphasis Conference experience! on customer interaction management and CRM, additional product updates, and a new name! A 11:30 a.m. - 12:30 p.m. MUST attend session for any FSBA users (or wannabe Intuit Financial Services Roundtable users). This 3 hour tour will be condensed into 60 Room: Flagler C minutes for your enjoyment. Advance registration required Suggested Audience: Deposits, Loans, Branch Enjoy lunch with fellow IFS users and IFS Operations representatives. This lunch roundtable discussion In the Belly of the Beast: The MISER Core provides you an opportunity to network with the at the System Level focus on IFS and MISER matters. Room: Coquina H 1:00 - 2:30 p.m. Gordon Browne, FIS Preparing For Release 12.1/12.2 Moderator: Earl Higginbotham, VyStar Credit Union Room: Grand Ballroom This session will cover several subjects, including: Jackie Roberts, Lenn Freeman, FIS MCP 14.0/SSR 55.1 System Software update Moderator: Earl Higginbotham, VyStar Credit Union 2012.1 database reorganization update Join the MISER Product Management team as we 2012.1 MISERnet enhancements explore the upcoming MISER Releases for 2012. Other subjects yet to be determined. This will be a Learn more about the major development projects highly technical session and is recommended only for and how they can benefit your institution. This session systems technical personnel. will include a CER voting update and a certificate will Suggested Audience: Systems be given for the best CER submission of the year.

11:30 a.m. – 12:30 p.m. Suggested Audience: All General Luncheon 2:30 – 4:30 p.m. Location: Oceanview Preconvene North and South Refreshments Available outside of 12:30 – 1:00 p.m. meeting rooms Coquina F, G, H Networking Dessert Break with Peers and Sponsored by DataCard Group Exhibitors- Coquina A-E $100 Cash Drawing!

MUG 2012 7 MONDAY, MAY 7

CONCURRENT SESSIONS CONCURRENT SESSIONS 2:45 - 3:45 p.m. FIS Vendor Session: Jerry’s Corner: 4:00 – 5:00 p.m. Technology Sharing with Jerry Offering Health Savings Accounts (HSAs) at Your Institution Room: Coquina F Room: Coquina F Jerry Nissen, FIS User Panel: VyStar CU, Home Bank, and Union Moderator: Mike Dembowski, Workers’ Credit Union Savings Have you developed a report that you think other Moderator: Roger Chalkley, Home Bank MISER customers would like to have? How about an entire application that you would be willing to share Are you ready to start offering HSA accounts? Join with your MISER brethren? During this session, we us for this session to collaborate on what fellow will talk about the types of technology that could be MISER brethren are doing. From institutions having shared, and we will explore how MISER can facilitate full-fledged offerings to clients to institutions only this sharing. allowing employee accounts for high-deductible Drawing for Five $100 Cash Awards! insurance benefits for employees, come learn and share what your peers are doing with HSAs. Suggested Audience: Systems Suggested Audience: Deposits, Branch Operations Open Forum: IRS, Year-end and Tax Reporting Process Sharing Room: Coquina G Be Sure to Thank Led by Brad Grant, Wings Financial Credit Union our Sponsors! Year-End and Tax Reporting are critical processes that have the potential to build customer/member Their support is vital to the overall trust or tear it down. This session will talk through success of this meeting. tips, tricks, best practices, and ways to avoid pitfalls when running year-end processes and generating tax 4:00 - 5:00 p.m. forms. Enterprise Data Security: Is Your Data Suggested Audience: Deposits, Loans Really Safe? Room: Coquina G Open Forum: Optimizing Your External User Panel: Allegacy FCU and Wings Financial CU Relationships Product Moderator: Brad Grant, Wings Financial Credit Union Room: Coquina H Social Engineering, Malware, Botnets, Wireless Led by Kristie Morrison, Eastern Savings Bank Networks, IDS, Endless Firewall Rules; the list of Having trouble tracking your credit cards, insurance, potential security threats goes on. Enterprise Security or other external databases? Join us and be inspired is a big deal for those trying to keep data secure and by other institutions that are optimizing MISER’s offers the temptation of big profits for those trying External Relationships. Be enlightened by the to steal the data. Step beyond the MISER core to features and benefits of implementing ERs at your institution. learn what other FIs are doing to keep their data safe while managing the risk of making data available in Suggested Audience: Deposits, Loans, Branch order to run the business. Operations Suggested Audience: Systems, Audit, Compliance

8 MUG 2012 MONDAY, MAY 7

4:00 - 5:00 p.m. 7:30 – 11:00 p.m. (optional) Open Forum: Loan Servicing Volleyball/Cornhole on the Beach Room: Coquina H For those who don’t want to go to dinner, or if you Led by Earl Higginbotham, VyStar Credit Union want to play after gorging yourself, we will have the MUG biannual volleyball “tournament.” We will also Please join us for an inspiring session designed for set up cornhole games on the beach for those who peer collaboration, sharing experiences, challenges, want to play. No prizes or serious competition, just accomplishments, and ideas related to loan servicing fun on the beach under the lights. Beer and soft on MISER. We will also have a special guest from drinks will be provided. FIS to help inspire “flex-Z-ibility” and growth in your institution. Suggested Audience: Loans

5:15 – 7:00 p.m. Enlighten Yourself in the Exhibit Hall! Room: Coquina A-E Before going out to dinner, stop by the Exhibit Hall for an extended session learning about the latest and greatest products from FIS and other important vendors. Enjoy hors d’ouevres, two free drink tickets (beer and wine only), and participate in the playing card matchup game as you visit with our allied vendors. Be alert for special treats and surprises! Sponsored by BankTel Systems

Monday Night is Free to Have Dinner and Socialize with Vendors, FIS Employees, and Fellow Users.

MUG PUB Join old friends and make new ones tonight in the MUG PUB on the first floor of the hotel (Legends Bar).

MUG 2012 9 TUESDAY, MAY 8

7:45 a.m. – 5:00 p.m. GENERAL SESSION Exhibit Hall Open Room: Coquina A-E 8:30 - 9:30 a.m. 8:00 a.m. – 4:00 p.m. Room: Grand Ballroom Registration Open Keynote Speaker: Ann Bastianelli Room: Oceanview Preconvene North Sponsored by FIS 8:00 – 8:30 a.m. Continental Breakfast in Exhibit Hall/ Showcase Room: Coquina A-E Please note that the Exhibit Hall will remain closed during this very special event so that everyone can Sponsored by Elan take part! There’s a $100 Cash Drawing as well! Moderator: Earl Higginbotham, Vystar Credit Union Ann Bastianelli is President and CEO of Anthology $100 Cash Drawing! Consulting, and an expert in interpreting trends in corporate and consumer behavior. In other words, she identifies what is possible, probable, and preferable for marketers and consumers alike. For 25 years, Ann’s distinguished career has included leadership positions in a variety of industries, including college athletics, advertising, marketing, product development and personal performance. A member of Who’s Who in Marketing, Ann has advised some of the world’s most admired organizations and personalities, including Leo Burnett, McDonald’s, Kellogg’s, Kraft, State Farm Insurance, and basketball coaching legend, Bob Knight. Ann’s marketing legacy includes work on timeless consumer campaigns such as ‘2 Scoops of Raisins’ for Kellogg’s Raisin Bran, the talking Parkay Margarine tub, Happy Meals and Ronald McDonald advertising, Ziploc, Saran Wrap, and Dow Bathroom Cleaner’s Scrubbing Bubbles. Suggested Audience: All

9:30 – 10:15 a.m. Networking Break with Peers and Exhibitors $100 Cash Drawing! Room: Coquina A-E Sponsored by Attachmate

10 MUG 2012 TUESDAY, MAY 8

CONCURRENT SESSIONS CONCURRENT SESSIONS

10:15 - 11:15 a.m. 11:30 a.m. - 12:30 p.m. BSA, CTR, and SAR Processing Driving MISER Administrator Room: Coquina F Room: Coquina F Moderator: Debbie Bell, Ameriana Bank Lenn Freeman, FIS Follow us down the regulatory roads of BSA/AML, Moderator: Beth Tomlinson, Bedford Federal Savings Bank CTR, and SAR compliance. Visit successful tracking, The time has come to revitalize MISER Administrator. reporting, and training processes. Join us at this session to see what we have planned for our first phase of this update. This interactive Suggested Audience: Deposits, Branch Operations, session (i.e., bring your ideas) provides the perfect Compliance, Audit vehicle to discuss how MISER Administrator can Open Forum: Above and Beyond BI evolve to meet the needs of your organization. Room: Coquina G Suggested Audience: All Led by Brad Grant, Wings Financial Credit Union Business Intelligence is much more than reporting. Regulatory Session-Lending SSRS, SSIS, SSAS, BIDS, ALTIN, and Dashboard Room: Coquina G functionality provides the framework to create mini Sam Teague applications for meeting business needs while saving Moderator: Mike Dembowski, Workers Credit Union both time and money. Come to listen and share how Regulatory guru Sam Teague has plenty of bad news the framework is being used to create a competitive to share with us about upcoming regulatory changes advantage. that will affect lending operations. But attend anyway so you are fully knowledgeable and prepared and Suggested Audience: All can help your FI’s management cope with change. Open Forum: Loan Product Library This session will also include a review of selected Room: Coquina H emerging issues and “hot topics” of interest to Led by Earl Higginbotham, VyStar Credit Union financial institutions. Loans are the vehicles driving our institutions on the Suggested Audience: Loans, Compliance road to success. You may choose from many makes (mortgage, consumer, business) and models (interest Business Continuity Preparedness only, student loans, specialty products) for your Room: Coquina H journey. Take this opportunity to join our discussion Panel Discussion on what products are being offered by you and your Moderator: Earl Higginbotham, VyStar Credit Union peers to help make the trip beneficial. Are you prepared for a disaster? Are you really Suggested Audience: Loans prepared? Each of our institutions is required to think through multiple disaster scenarios so we can continue business operations. The key is – “did you prepare for the right scenario?” Let’s find out by hearing from your peers on disaster experiences that really put the planning to a real disaster test. There may even be some tips for your own personal preparedness. Suggested Audience: All MUG 2012 11 TUESDAY, MAY 8

12:30 – 1:00 p.m. SmartCOLLECTOR, ALR, ECHO General Luncheon: Room: Coquina G Location: Oceanview Preconvene North and South Lenn Freeman, FIS 1:00 – 1:30 p.m. Moderator: Roger Chalkley, Home Bank SB Networking Dessert Break with Peers and Over the last two years, MISER has concentrated Exhibitors on improving the usability of ECHO and ALR. Come Coquina A-E explore how those changes will assist your institution $100 Cash Drawing! in gaining efficiency in your delinquency management efforts. The tools to streamline processing and Lunch Roundtable minimize your losses are at your disposal with Room: Ponce De Leon SmartCOLLECTOR, ECHO, and ALR. MISER Mobile with Lenn Freeman, FIS Suggested Audience: Loans MISER on a tablet is a brand-new initiative sure to Open Forum: Maximizing Enterprise pique your curiosity! Come join us for this idea- Output Manager (EOM) sharing lunch, where we will explore how running Room: Coquina H MISER on a tablet will solve business problems and gain more clients for your institution. Led by Brad Grant, Wings Financial Credit Union Seating limited to 40. Advanced registration Are you making the most of Enterprise Output required. Manager? Come and listen to a fast-paced rundown on what EOM could be doing for you! Speaker Steve CONCURRENT SESSIONS Diederichs was involved with developing the product and definitely knows the ins and outs of how to make 1:45 - 2:45 p.m. the most of this very powerful tool. Regulatory Session-Deposits Suggested Audience: Systems, Deposits, Loans Room: Coquina F Sam Teague Moderator: Mike Dembowski, Workers Credit Union Regulatory guru Sam Teague has plenty of bad news to share with us about upcoming regulatory changes that will affect deposits operations, but at least you get to hear it on a full stomach. This session will help you stay fully knowledgeable and prepared and help you to help your FI’s management cope with change. This session will also include a review of selected emerging issues and “hot topics” of interest to financial institutions. Suggested Audience: Deposits, Compliance

12 MUG 2012 TUESDAY, MAY 8

CONCURRENT SESSIONS 4:00 – 5:00 p.m. Closing Party in Exhibit Hall! 3:00 - 4:00 p.m. Room: Coquina A-E Open Forum: What You Should Know Join us in the Exhibit Hall for learning more about About Deposit Charge-Offs FIS product offerings and those of our independent vendors. Enjoy various drawings leading up to the Room: Coquina F Grand Prize Giveaway – A $1,500 Best Buy Gift Card! Led by Kristie Morrison, Eastern Savings Bank You must be present to win! Join us for an opportunity to learn how other Grand Prize Sponsored by: Meridian Link institutions have implemented MISER’s Deposit Charge-Off feature. Learn how to report negative deposit accounts to credit reporting agencies, assess Smart Solutions. Real Value. Break Refreshments Sponsored by: Attachmate and track fees, track and process recovery, and much more. This is a great opportunity to ask questions, share your institution’s progress using this new feature, and collect ideas for enhancements in the future. Suggested Audience: Loans, Deposits, Compliance

Open Forum: Purging on MISER: Best Practices and Accessing Purged Data Room: Coquina G Led by Brad Grant, Wings Financial Credit Union This session will give you the low-down on the best approach to purging, including some crucial follow up items such as garbage collecting. Last, but not least, we will talk through what is being done to access information once it is purged. Please come prepared to learn from others while sharing valuable information on how things are done at your shop. Suggested Audience: Deposits, Loans, Systems, Compliance

UNISYS Vendor Session Sid Pearl, Unisys Room: Coquina H Moderator: Debbie Bell, Ameriana Bank Disruptive 2012 technology trends and the implications for Financial Services. Suggested Audience: Systems, All Drawing for $500!

MUG 2012 13 TUESDAY, MAY 8

6:00 – 10:00 p.m. Location: Daytona Beach Lagoon MUG Annual Party Evening Agenda: Meet in the lobby at 6:00 PM and we will walk en 5:45 – Group meets in lobby to walk over to lagoon masse across the street to the Daytona Beach (you may also walk over at your leisure) Lagoon, a water park (or you can just meet us over 6:00 – Group arrives, gets cocktails, hors d’oeuvres, there). plays games in arcade or hangs out around Please be sure to wear your name badge to get Gilligan’s Bar. There will be a live band for your admitted to the Lagoon – thank you! listening and dancing pleasure as well as photo opportunities with Gilligan’s Island character We will have a Gilligan’s Island themed party, so feel look-alikes. free to dress as your favorite character, or at least as if you plan to take a “four-hour tour.” There will be 6:30 - 7:00 – Buffets open for dinner a full dinner, hosted full bar, live band and dancing, 7:30 – Welcome and introduction by Chair, followed by plenty of areas to socialize, go-kart races, limbo attendee character costume contest and a “Be contests, and a Gilligan’s Island trivia contest! a Gillionaire” Gilligan’s Island Trivia Contest. 8:15 – Desserts are served and dancing continues. Dinner and Bar Sponsored by ACI Worldwide 8:30 – Go Kart contest! 9:00 – Limbo Contest!

Entertainment Sponsored by Unisys and Burroughs

14 MUG 2012 WEDNESDAY, MAY 9

8:00 – 11:00 a.m. Open Forum: Commercial Services Registration Open Room: Coquina H Room: Oceanview Preconvene North Led by Debbie Bell, Ameriana Bank Please join us for an open forum in which peers 8:00 – 8:30 a.m. will collaborate, share experiences, challenges, and Breakfast accomplishments while traveling down the MISER Room: Oceanview Preconvene North and South roads of commercial lending and commercial deposit processing. We will also have participation from 8:30 – 9:30 a.m. special MISER guests. MUG Business Meeting Suggested Audience: Loans, Deposits Room: Coquina F All MUG users are invited to attend this important GENERAL SESSION annual meeting, where we discuss issues relating to 11:00 a.m. - 12:00 p.m. the Conference and FIS, review the past year, and Making Social Media Work for Financial elect officers. Services CONCURRENT SESSIONS Room: Grand Ballroom Speaker: Shelly Elliott, Priority Results 9:45 - 10:45 a.m. Moderator: Roger Chalkley, Home Bank SB Mobile Banking User Panel Social Media are all the rage, with people extending Room: Coquina F their business and professional networks through Panelists: Allegacy FCU; Flushing Savings Bank; Facebook, Twitter, LinkedIn, MySpace, and many Harborstone CU; University of Wisconsin CU other means. How can your FI employ the viral nature of social media to communicate with and sell services Moderator: Michael Dembowski, Workers’ Credit Union to your customers? How can you analyze your social Does your Mobile Banking service provide your media marketing? Shelly Elliott of Priority Results customers/members with adaptability, flexibility and will provide a detailed, focused look at how you can room for growth? If not, let us enlighten you about make social media work for you. iPhone and Android apps, the latest in security, Surprise winner of $100 announced. Bring your mobile account opening, P2P, mobile check capture, completed annual meeting evaluation form to be and adoption rates. eligible for another $100 prize drawing! Suggested Audience: Deposits, eBusiness 12:00 p.m. Closing Remarks Unisys Vendor Session: Enlighten Your IT Room: Grand Ballroom Organization with Unisys and Burroughs Technologies MUG Chair Roger Chalkley, Home Bank SB, and Jerry Nissen, FIS General Manager Room: Coquina G Steve Koss, Unisys 1:30 - 3:00 p.m. Moderator: Brad Grant, Wings Financial Credit Union BI Advisory Board Meeting Room: Coquina A Veteran MUG speaker Steve Koss will work his magic again as he explores how Unisys and Burroughs Moderator: Lenn Freeman, FIS provide unique value and capabilities that often go Lunch on your own; then come to the meeting. This overlooked and how you can take advantage of it. will be an open discussion among existing users of BI to discuss how they are using the product, allowing Suggested Audience: Systems, Compliance them to share best practices. MUG 2012 15 Thursday, May 10

Post-MUG will provide insight on topics ranging from using Escrow Disbursement programs, PPOF - parameters, MISER Education Classes and the Payoff Quote transaction. Separate registration fees are required. 12:00 – 12: 30 p.m. Please register using the MISER Education tab on the Lunch Client Portal. NOTE: Cyber Café will remain open all day. 12:30 – 4:00 p.m. Health Savings Accounts Continental Breakfast and Lunch will be provided Room: Coquina F 8:30 – 9:00 a.m. With the current and staggering rise in healthcare Continental Breakfast costs, many companies are seeking out lower-cost 9:00 a.m. – 12:30 p.m. alternatives. In offering such types of alternative health Tax Reporting care options, employees who choose to select a high Room: Coquina F deductible plan become eligible to establish a Health Savings Account. These funds are used to pay for This half-day workshop will provide insight on the current and/or future medical expenses. Companies ease of processing IRS Corrections on the MISER and qualified individuals today are looking to build system. Also, it will stress the importance of the upon or create new relationships with local financial elements needed for prepping Year-End processing. institutions that are offering Health Savings Accounts. Participants will gain an understanding of transactions Expanding your Institution’s current product offering used to make IRS corrections for the RCIF, deposits to offer and establish Health Savings Accounts will, and loan applications. in turn, enrich existing relationships and allow for an 9:00 a.m. – 12:30 p.m. opportunity to establish new business. A discussion Deposit Charge-Off Processing of best practices for implementing Health Savings The Deposit Charge-Off functionality allows Accounts, current trends, marketing strategies, and institutions to manage and track negative-balance MISER set-up will be discussed within this workshop. deposit accounts through SmartCOLLECTOR, as 12:30 – 4:00 p.m. well as performs the automation of collections and ALR and ECHO Overview credit bureau and IRS reporting. This half-day session Room: Coquina G concentrates on processing charge-offs for deposit accounts in MISER using real life scenarios, practical ALR stands for Asset Liquidation and Recovery and application, and a Q&A forum. ECHO is a shadow accounting feature. These are both add-on products that are available to MISER users. 9:00 a.m. – 12:30 p.m. In this session, we will discuss the benefits of using Escrow and Payoff Processing these modules to help streamline the asset recovery Room: Coquina G process. Best practices on using these modules will In the world of lending, processing escrow and loan be provided. payoffs can be very time consuming. This half-day workshop will explore best practices that can be utilized in order to save you time. This session will provide you with information to allow you to become more efficient in servicing these areas. This session

16 MUG 2012 MISER USERS GROUP 2012 ANNUAL MEETING May 6-9, 2012 • Hilton Daytona Beach Oceanfront Resort

MUG PUB

General Sessions

Concurrent Experience Center Sessions Exhibit Hall

MEETING ROOM MAP

MUG 2012 17 MISER USERS GROUP 2012 ANNUAL MEETING May 6-9, 2012 • Hilton Daytona Beach Oceanfront Resort

MAP of Exhibitors

18 MUG 2012 FIS MISER BA FIS Lending Solutions FIS MISER Collections (This will be in the double MI- Inside booth 41 SER BA booth) INSIDE Grouping Booths 36 and 37 Regardless of your charter, your number one On display will be the latest MISER Branch objective is to lend money. See the very latest in Automation technology including no-touch FIS’ evolving solution for commercial, consumer, and deployment, Change Jar, Base 2000 integration, portfolio mortgage loan fulfillment. Zip +4, and Driver’s License Scanner functionality. Additionally the MISER collection suite of products FIS Image and Output Solutions will be available for review. Inside booth 42 FIS MISER BI No other single product levels the competitive Inside booths 38 and 39 playing field allowing the smallest financial institution to compete head-to-head with the It’s not the lack of data but actionable information. largest institutions as does remote deposit capture. The latest iteration of business intelligence analytics Come see the very latest from FIS Xpress Deposit, and dashboards will on display. Commercial Capture Xpress and item processing FIS Connections – CRM, Database Mar- services. keting and Profitability FIS EFT Services Inside booth 40 Inside booth 45 Connections is a comprehensive CRM solution If your need is for EFT services – no one offers a for community financial institutions. Key benefits more complete solution than does FIS. The FIS of the Connections system are targeted database team is prepared to discuss all your EFT services, marketing and account, individual and household ATM, Debit Card and card personalization. profitability. FIS Phone Banking and Web Services FIS Document and Report Management Inside booth 47 Inside booth 43 Phone banking is highly customizable and an FIS Document Management is an imaging and extremely stable self- service channel capable of exception tracking product that simplifies document supporting spikes in volume as well as sustained reviews and compliance. Report Management (aka business growth. Web Services provides 24/7 Vision) is a COLD storage product that provides hosting, designing and maintenance and support of reliable, quick and easy access to nightly reports web sites as well as providing a smooth integration between the Web and FIS online applications. FIS Credit Card Solutions Inside booth 44 FIS Mobile Banking See the very latest from BASE2000 and TBS credit Inside booth 46 card processing from FIS Credit Card Solutions. FIS Mobile Banking is a comprehensive platform that provides a compelling mobile user experience across FIS Regulatory Advisory Services and all devices seamlessly integrated to core banking, Risk, Fraud and Compliance payments and check deposit capabilities. Inside booth 35 FIS eBanking Solutions Nothing is getting more attention than compliance and risk management. Catch both these extensive Inside booth 48 offerings from FIS in one location! From the Big OLB and various other eBanking Solutions will Orange Book to Quick Reference Guides to BSA be showcased at MUG. Available as licensed or products to full consulting services – FIS offers it all. hosted, OLB provides a straightforward internet banking solution for clients focused on retail and small business markets. Experts are available to discuss your eBanking needs and determine which FIS solution is right for you!

MUG 2012 19 Booth # 18 Booth # 14 Access Softek, Inc . Attachmate 727 Allston Way, Suite C 1500 Dexter Avenue North Berkeley, CA 94710 Seattle, WA 98109 510-848-0606 206-217-7100 Fax: 510-848-0608 Fax: 206-217-7515 [email protected] [email protected] Access Softek has specialized in providing premier Attachmate delivers advanced software for terminal products to financial institutions for many years. emulation, legacy modernization, managed file Mobile banking (App, WAP & SMS) and OFX Direct transfer and enterprise fraud management. Three Connect are just two of many featured products. decades of IT innovation have distinguished Bethany Sherman Attachmate in the international marketplace. Mark Barish Diane Basco Jennifer Pittel Kevin Doel

Booth # 33 Booth # 17 ACI Worldwide B&L Associates, Inc . 8501 Fallbrook Ave #200 220 Reservoir St, Suite 15 West Hills, CA 91304 Needham, MA 02494 818-577-2294 781-444-1404 [email protected] Fax: 781-444-5805 Leading banks, credit unions, retailers, and [email protected] processors need technology that adapts to the Data Center Automation Software: Virtual Tape, complex and challenging needs of their businesses. Program Source Control, Scheduling, Media These organizations want solutions that can Management respond quickly to changes in the marketplace and help grow their businesses. ACI combines a Joseph Boschetto global perspective with local presence to tailor Christopher Doyle solutions for each customer. Our proven products, domain expertise, and 35 years of experience have earned us a position as trusted provider of gold standard payments solutions, online banking, mobile Booth # 23 banking, voice banking, branch banking and lending solutions that deliver a competitive advantage. More Banker’s Toolbox, Inc . information is available at www.aciworldwide.com. 10431 Morado Cir, Ste 300 Austin, TX 78759 Robin Zollinger 888-201-2231 Brad Koontz Fax: 512-279-5701 David Pugh [email protected] Bob Pill Banker’s Toolbox specializes in providing affordable Bill Gibson tools to meet the challenges of the industry in the Sandy Coons areas of money laundering detection, wire fraud Andy Mosby protection, and commercial real estate loan stress Pablo Manguy testing. Tim Blackwell Doug Keipper

20 MUG 2012 Booth # 26 Booth # 10 BankTel Systems Burroughs 319 Park Creek Drive 41100 Plymouth Rd Columbus, MS 39705 Plymouth, MI 48170 662-245-1007 734-737-4500 Fax: 662-245-1049 Fax: 734-737-4197 [email protected] [email protected] BankTEL Systems is a leading provider of financial Burroughs, a world leader in payment processing and cash management solutions for financial technology products, provides the widest range of institutions. BankTEL’s Financial Accounting item processing scanners in the industry, as well Suite, a fully automated suite of auxiliary financial as low volume and specialized mixed document applications, integrates with FIS core systems scanners. to streamline operations resulting in increased Tom McKenzie productivity. These integrated applications include Accounts Payable, Pre-Paid and Accruals, Fixed Mark Marlett Asset, Invoice approval, Share holder Management, Jim Knoth Vendor Management, Branch Scanning, and Don McGaffin Expense Repairs. BankTEL backs their applications Steve Wegehaupt with exceptional customer services. Rick Severance Jay Lagesch Boyce Adams Booth # 12 Baseline Data Services Booth # 7 2601 Metropolis Pkwy Business Data Inc . Plainfield, IN 46168 317-707-3941 321 N. Oak Street Inglewood, CA 91302 Fax: 317-707-3942 310-412-1290 [email protected] 310-412-1060 Baseline provides disaster recovery solutions, online [email protected] data protection, colocation and hosting in a highly Business Data Inc. is the leading provider of next secure, highly audited state of the art facility. generation statement processing solutions for the Ryan Thompson credit union industry. Business Data Inc. delivers Andy Botzer flexible and reliable document design capabilities for statements, eStatements, eNotices, tax compliance Booth # 22 and graphic marketing promotions. Business Data BLM Technologies Inc . Inc.’s dedication to customer service, our ability to reduce costs, and our success in maximizing 15300 25th Avenue North targeted member communications is what makes Plymouth, MN 55447 our work stand out. Please visit us at www. 636-449-3727 businessdatainc.com. Fax: 636-537-3155 [email protected] Julie Lokken BLM Technologies and Olivetti have partnered together to provide cost effective technology solutions for financial institutions in the US. Our solutions include options for branch automation including printing, scanning, and digital advertisement. BLM also provides various depot and on-site service options that compliment all the products we sell. Alessandro Balossino Lorenzo Merati Stephanie Schulz MUG 2012 21 Booth # 27 Booth # 25 Centurion Dynamic Solutions International 720 Brooker Creek Blvd, #201 1 Inverness Drive East Oldsmar, FL 34677-2937 Englewood, CO 80112 727-431-5214 303-754-2000 [email protected] Fax: 303-754-2009 Centurion-31 year’s premier solutions manufacturer [email protected] or [email protected] American Ingenuity in Financial Industry integration Dynamic Solutions International’s (DSI) Virtual Tape experts - voice and media channels, smart, Appliances solve business continuity challenges by affordable contact center expertise, site, cloud or providing fast, reliable data backup and recovery. hosted, telephony engineers, 24 x 7. DSI has integrated data storage solutions for 39 Margie Gillean years (2,000+ customers worldwide). Kirk Wormington Chad Bradney Vic Ludlam

Booth # 2 Booth # 5 CRIF Lending Solutions 280 Interstate North Circle, Suite 400 Elan Financial Services Atlanta, GA 30339 225 West Station Square Drive 770-835-2300 Pittsburgh, PA 15219 [email protected] 800-343-7064 CRIF Lending Solutions, comprising of Ambridge, Fax: 412-552-2290 APPRO, FLS, Magnum and Teres support over 500 [email protected] of the most successful large and small U.S. banks, Élan Financial Services is a leading provider of ATM credit unions and financial institutions. Our complete and debit card programs, products and services for suite of solutions increases productivity and financial institutions and offers national ATM access profitability and are core system and data provider through MoneyPass®, a surcharge free network. independent. These comprehensive offerings include Dale Krystek loan origination systems for consumer, business, Diane Greene and point of sale lending as well as business process Robert Kell outsourcing for indirect lending, data aggregation, Jodi Metrick analytics and account opening. Lori Freda Tom Guerra Mitch Chaney Booth # 6 Booth # 28 FIS 601 S Lake Destiny Rd, #300 Datacard Group Maitland, FL 32751 10333 Dry Creek Road, Suite 220 407-660-2680 Englewood, CO 80112 [email protected] 303-803-1020 FIS provides total financial solutions that support the Fax: 303-279-3290 success of financial services companies across the [email protected] nation. We help you to optimize efficiencies, mitigate Instant issuance and PIN selection for financial risks, maximize revenues and fortify relationships. institutions. Joe Fouse John Wallace

22 MUG 2012 Booth # 24 Booth # 9 InfoIMAGE, Inc . Malauzai Software, Inc . 141 Jefferson Dr 9020 North Capital of Texas Hwy Menlo Park, CA 94025 Bldg II, Suite 168 650-473-6328 Austin, TX 78759 Fax: 650-473-6300 512-961-5699 [email protected] Fax: 512-582-8320 InfoIMAGE processes, prints and mails financial [email protected] statement and notices; electronically archives Malauzai Software, Inc. provides community-based statement, notices and other types of documents financial institutions with strategically differentiated for online delivery and research. Learn more about SmartApps that are easily managed and measured InfoIMAGE at www.infoimageinc.com through efficient customer segmentation and real- Gary Marshall time analytics. Guy Mason Ken Lefner

Booth # 21 Booth # 30 Integrity Services, Inc . MeridianLink, Inc . 10 Radnor Rd 1124 Bristol St Newark, DE 19713 Costa Mesa, CA 92626 302-530-7973 714-708-6950 [email protected] Fax: 714-708-6956 Premium MCP security, performance, scheduling, [email protected] source tracking Online account opening, online loan origination, in branch LOS and new accounts. Joseph Kite Gene Szumowski Paul Forrest James Cox

Booth # 4 Booth # 15 Intuit 21215 Burbank Blvd MVI - Millennial Vision, Inc . Woodland Hills, CA 91367 4578 Highland Dr, #A-150 805-914-8795 Salt Lake City, UT 84117 [email protected] 801-277-6686 Engage more customers in more ways with online Fax: 801-277-6696 and mobile banking powered by Intuit. We draw on [email protected] the experiencers of nearly 60 million users to shape Document and records management, C21 our business and personal financial management document, receipt capture, workflow, laser checks, solutions. index automation. Cathy Sheridan Scott Cowan John Moreland Bill Poulter Stephen Crain

MUG 2012 23 Booth # 8 Booth # 20 Online Resources Corporation Reason Consulting & Software 4795 Meadow Wood Lane 6996 Piazza Grande Ave Chantilly, VA 20151 Orlando, FL 32835 703-653-3100 407-521-8088 Fax: 703-653-3105 [email protected] [email protected] Reason Consulting & Software is a leading provider Online Resources powers online banking, bill of custom solutions and software enhancements payment and marketing services to drive consumer on Miser. We bring you 21 years of experience in adoption. We’re the largest independent financial providing expert services on Miser. technology provider dedicated to the online channel. Anil Dayal Bill Kinnelly Timothy Mead Lisa Daniels Dave Burns Booth # 13 Booth # 32 SMA (Software & Management Associates) Pretty Good Consulting Group, LLC 3946 Glade Valley Dr 4235 Ivy Court Kingwood, TX 77339 Lake Elmo, MN 55042 281-446-5000 651-276-1196 Fax: 281-446-7492 [email protected] [email protected] We provide enterprise output manager services, OpCon™ from Software & Management Associates specifically consulting, training, configuration and (SMA™ ) is a true event-driven, cross-platform custom programming. workflow automation and job scheduling solution. Steve Diederichs SMA’s enterprise technology flawlessly automates IT processes, delivering enhanced operational efficiency throughout the organization. OpCon enables bands to streamline operations, Booth # 1 improve service and reduce IT costs. ProfitStars Maria Rogner 1025 Central Expressway S Dallas, TX 75013 877-827-7101 Fax: 417-236-8959 Booth # 3 [email protected] SQN Banking Systems ProfitStars®, a division of Jack Henry & Associates 65 Indel Ave, Box 423 Inc. (Nasdaq: JKHY), provides best-of-breed Rancocas, NJ 08073 solutions for businesses and financial institutions. 609-261-5500 Solutions, Synergy® Enterprise Content Fax: 609-265-9517 Management solution and Remit Plus. www. SQN Banking Systems reduces check fraud losses profitstars.com by as much as 84 percent. SENTRY includes Chris Coble exception item processing, image fraud detection, automated signature comparison, signature verification, and transaction analysis. Jim McGuirk Stan Jaslar

24 MUG 2012 Booth # 11 Booth # 16 Unisys Xyquad, Inc . Unisys specializes in helping clients secure their 2921 S Brentwood Blvd operations, increase efficiency and utilization of their St. Louis, MO 63144 data centers, enhance support to their end users, 314-961-5995 ext 3 and modernize their enterprise applications. Fax: 314-961-8094 [email protected] Pat White For over 20 years, Xyquad Inc. has provided Paul O’Brien comprehensive Front-End software solutions for a Steve Koss wide range of financial institutions. Our all-inclusive Gary Lauk Banker’s Window package provides: Project Al Tuff Planning, Training, and Forms Design/Customization Tools. The easy-to-use Authoring toolset allows an institution to adapt the application to their business Booth # 19 needs. Xyquad’s team of dedicated professionals Verafin is committed to providing unprecedented customer 570 Newfoundland Dr St. John’s, support. Just ask our clients! Newfoundland, Canada NL A1A 5B1 Michael Schwartz 709-699-0296 Joyce Conway Fax: 709-368-3559 [email protected] Verafin is a North American leader in fraud detection and anti-money laundering solutions. Anna Brophy

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Stop by our booth to find out how we cut statement production costs while increasing the client experience.

Your Integrated Solution for Statement Delivery .infoimageinc.com

MUG 2012 25 26 MUG 2012 MONDAY 4/27/12 The MISER Core at System Level

Inspiring Adaptability, Flexibility and Growth

In the Belly of the Beast: The MISER Core at the System Level

Systems Update Agenda

• MCP 12.1/SSR 53.1 Update • MCP 13.0/SSR 54.1 Update • MCP 13.0 SSP1 (aka MCP 13.1) Update • MCP 14.0/SSR 55.1 Update • MISER 2012.1 Systems Update – Database ReorganizaNons – MISERnet Enhancements

1 MUG 2012 27 MONDAY 4/27/12 The MISER Core at System Level

Systems Update MCP 12.0/SSR 53.1 Update

• Unisys support ended on 10/31/2011 • Final release that supported FS1100, LX7000, and Libra models 180, 185, 520, 580, & 590 • Not allowed with MISER 2012.1 or higher

Systems Update MCP 13.0/SSR 54.1 Update

• Released by Unisys on 4/30/2010 • Installed at FIS Orlando in July 2010 • Unisys support conNnues unNl 10/31/2013 • Last release that will support FS1300, FS1400, FS1600, and Libra 595 systems • Qualiﬁed with MISER 2011.1 and 2011.2 • Minimum level required for MISER 2012.1 and higher

28 MUG 2012 MONDAY 4/27/12 The MISER Core at System Level

Systems Update MCP 13.0 SSP1 (MCP 13.1) Update • Officially released as a package by Unisys during April 2011; will be supported through 10/2013 • Also available as a series of Interim CorrecNons to MCP 13.0 and SSR 54.1 during 4Q2010 and 1Q2011 • Installed at FIS Orlando during 1Q2011 • Qualified with MISER 2011.1 and 2011.2 • Detailed list of IC levels in ClearPath MCP Release 13.1 MigraNon Guide (#3843 4130‐002), SecNon 6 • DocumentaNon available on Unisys Support website • Available on separate DVD media or can be downloaded as individual IC files from Unisys Support website

Systems Update MCP 14.0/SSR 55.1 Update

• MCP 14.0 was released by Unisys during April 2012 • Support for MCP 14.0 release ends October 2015 • MCP 14.0 Field Tested in Orlando on LX170 laptop from September 2011 through March 2012 • MCP 14.0/SSR 55.1 is fully qualiﬁed for use with MISER release 2012.1; it was not tested with MISER release 2011.2 or below • Plan is to install MCP 14.0 on Orlando FS1800 in late May or June 2012 • Future: MCP 15.0 and 16.0 scheduled for release in 2Q2013 and 2Q2013, respecNvely

3 MUG 2012 29 MONDAY 4/27/12 The MISER Core at System Level

Systems Update MISER 2012.1 Update – Database ReorganizaNons

• MISDB – 22 exisNng datasets modified – 2 index sets modified (TABLESIZE and AREASIZE increased) – 6 datasets and 12 index sets added – 4 obsolete index sets deleted • ATMDB – 5 exisNng datasets modified – 1 new dataset and 2 index sets added – No structures deleted • Seing LOCKEDFILE to TRUE in DASDL global database OPTIONS

Systems Update MISER 2011.1 Update – MISERnet Enhancements

• Maximum AlNn ﬁle size reduced to 9,999,999 records, due to maximum allowable sequence number in TPSL • Suspension of AlNn processing if MSAON transacNon fails is now opNonal – SignonErrSuspend opNon

30 MUG 2012 MONDAY 4/27/12 The MISER Core at System Level

Systems Update MISER 2011.1 Update – MISERnet Enhancements

• New ENABLE AGENDA command – “Pseudo” COMS ENABLE command – Issues an ENABLE PROGRAM command referencing the desNnaNon program of the speciﬁed agenda‐name – Allows same ENABLE AGENDA command to be used in all MISERNET/CONFIGURATION ﬁles

Systems Update MISER 2011.1 Update – MISERnet Enhancements

• The REMOTELOGBACKUP command now allows mulNple “HOSTNAME=hostname” parameters – Ignores any that specify the hostname of the local system – The last one that isn’t the local system is the one used • REMOTELOGBACKUP performance‐related staNsNcs are now captured in the TRANTIMINGLOG for subsequent analysis • Wait Nmes in OWL have been separated from overall I/O wait Nme staNsNcs

5 MUG 2012 31 MONDAY 4/27/12 The MISER Core at System Level

Inspiring Adaptability, Flexibility and Growth

TransiNon Slide

Inspiring Adaptability, Flexibility and Growth

Thank You Gordon Browne / Gary Henriques

32 MUG 2012 MONDAY 4/27/12 IRS, Year-End & Tax Reporting

Inspiring Adaptability, Flexibility and Growth

IRS, Year‐end and Tax Repor1ng Open Forum

IRS, Year‐end and Tax Repor1ng Process Sharing

• Welcome and Introduc1ons

• Where the Rubber Meets the Road

• Opportuni1es for Improvement

• Q & A

MUG 2012 33 MONDAY 4/27/12 IRS, Year-End & Tax Reporting

Welcome and Introduc1ons

• Welcome!

• Introduc1ons • Susan Church – Mainframe Opera1ons Manager (VACU)

• PaOy Liming – Data Processing Supervisor (Wings Financial)

• Dan Lazzaro – Informa1on Systems Manager (PiOsford FCU)

• Gary Henriques – Manager of Produc1on Control (FIS)

Where the Rubber Meets the Road

• Approaches to Year‐end • Checklists • Use of Test Environment • FIS Involvement • Print Vendor

• Organiza1onal Tips and Tricks

34 MUG 2012 MONDAY 4/27/12 IRS, Year-End & Tax Reporting

Opportuni1es for Improvement

• ATM Carryover Automa1on • SVA401 & NDA401 Enhancements (Make consistent with other programs) • Move NL Shi_ and Clear out of NLFP and into NLA401 • Move NL Extracts out of LNA401 and into NLA401 • Run LNA401 only once instead of twice • Combine “401” programs since all ﬁelds should be moved at year‐end • Decrease Card Op1ons and Automa1cally check for acct types based on parameters • Eliminate the date and 1me check altogether to make tes1ng easier • Include CIF number in extracts for all forms • Ability to create 1099INT extracts without needing to submit correc1ons ﬁle to the IRS

Inspiring Adaptability, Flexibility and Growth

Q & A

MUG 2012 35 MONDAY 4/27/12 IRS, Year-End & Tax Reporting

Inspiring Adaptability, Flexibility and Growth

Thank You!

Susan, PaOy, Dan and Gary

36 MUG 2012 MONDAY 4/27/12 Enterprise Data Security

Inspiring Adaptability, Flexibility and Growth

Enterprise Data Security User Panel

Enterprise Data Security

• Welcome & Panelist Introduc:ons • Meat and Potatoes of EDS • Threat Landscape/Risk Assessments • Cul:va:ng a Security Minded Culture • Security Strategies • Q & A • Security Focus Group • Thank you!

MUG 2012 37 MONDAY 4/27/12 Enterprise Data Security

Welcome & Panelist Introduc8ons

• David Mason – CIO/VP Informa:on Systems (Wings Financial)

• Robert Libbert – CIO (Allegacy FCU)

Meat and Potatoes of EDS

• Threat Landscape/Risk Assessments • Contractual Security Related Provisions • Security Breach Disclosure

• Cul:va:ng a Security Minded Culture • Informa:on Security Role in the Organiza:on

• Security Strategies • “Top 15” List • BYOD Security • Social Engineering – Employee Awareness

38 MUG 2012 MONDAY 4/27/12 Enterprise Data Security

Inspiring Adaptability, Flexibility and Growth

Q & A

Please Don’t go yet… two more slides!

Security Focus Group

• This is your chance to bolster your security posture by…. • Sharing ideas and lessons learned

• Addressing items like Policies and Procedures

• Demonstra:ng tools and or so\ware that you have proven to work

• If interested please email David Mason or Rob Libbert: • David Mason: dmason@wingsﬁnancial.com • Rob Libbert: [email protected]

• There is no need to go it alone!

MUG 2012 39 MONDAY 4/27/12 Enterprise Data Security

Inspiring Adaptability, Flexibility and Growth

You are free to go now! 

Thank You David Mason and Robert Libbert

40 MUG 2012 TUESDAY 4/27/12 BI - Above & Beyond

Inspiring Adaptability, Flexibility and Growth

BI – Above and Beyond Open Forum

BI – Above and Beyond

• Welcome

• Introduc9ons

• Crea9ve Uses

• A Look into the Future

• Q & A

MUG 2012 41 TUESDAY 4/27/12 BI - Above & Beyond

Introduc2ons & Crea2ve Uses

• Fred McCardell – AVP Informa9on Technology (Jeanne D’Arc CU) • Crea9ve Uses

• Paula TriveO – Data Modeling Analyst (VACU) • Crea9ve Uses

• Brad Grant – Director Informa9on Services (Wings Financial) • Crea9ve Uses

A Look to the Future

• Lenn Freeman – Desktop Solu9ons Product Manager (FIS)

42 MUG 2012 TUESDAY 4/27/12 BI - Above & Beyond

Inspiring Adaptability, Flexibility and Growth

Ques9ons?

Inspiring Adaptability, Flexibility and Growth

Thank You

Fred, Paula, Brad and Lenn

MUG 2012 43 44 MUG 2012 TUESDAY 4/27/12 Regulatory Update: Deposits

1 Regulatory Update Deposits Sam Teague Teague Consulting Group 2 Overview Dodd-Frank Act Provisions Already In Effect Provisions To Be Implemented OCC Proposed Overdraft Guidance Reg CC – Proposed Changes 2012 Year End IRS Developments Emerging Issues 3 Dodd-Frank Act

4 Dodd-Frank Act Significant Dates

7/21/10 – Dodd-Frank Act Signed Into Law

7/21/11 – CFPB Takes Over Consumer Protection

12/30/11 – Regulations Transferred To CFPB

1/4/12 – Recess Appointment of CFPB Director 5 Dodd-Frank Act Provisions Already In Effect

6 Dodd-Frank Act Provisions Already In Effect

§313 – OTS Abolished

§335 – $250,000 Deposit Ins. Permanent

§343 – Non-Int. Bearing Transaction Accounts

§627 – Interest On Demand Deposits (Reg Q) 1 7 Dodd-Frank Act MUG 2012 45 Provisions Already In Effect

§1075 – Interchange Fees & Routing (Durbin)

§1086 – Next-Day Check Holds (Reg CC) 8 Dodd-Frank Act Provisions To Be Implemented

9 Dodd-Frank Act – Future Section 1073 – Remittance Transfers (Reg E)

5/23/11 – Proposed Rule (FRB) 7/22/11 – Comments Due

2/7/12 – Final Rule (CFPB) 2/7/13 – Effective Date 10 §1073 – Remittance Transfers Purpose

Protections For Consumers Who Send Remittance Transfers To Foreign Countries

Scope

Wire Transfers International ACH Transactions

11 §1073 – Remittance Transfers Disclosures

Prepayment Disclosure Receipt Combined Disclosure Long-Form Error Resolution & Cancellation Notice 12 OCC – Proposed Overdraft Guidance

13 OCC – Proposed OD Guidance Significant Events

2/18/05 – OTS Guidance

2/24/05 – Interagency Guidance

5/24/05 – Reg. DD (“Advertised” OD Programs)

1/29/09 – Reg. DD (“All” OD Programs) 14 OCC – Proposed OD Guidance Significant Events

11/17/09 – Reg. E (Opt-In For ATM & 1-Time Debits)

8/11/10 – FDIC Proposed Guidance

11/24/10 – FDIC Final Guidance

6/8/11 – OCC Proposed Guidance 15 OCC – Proposed OD Guidance OCC Guidance Covers Two Areas

Automated Overdraft Protection Programs Included in this presentation

Deposit Advance Programs NOT included in this presentation 16 OCC – Proposed OD Guidance Dates

6/8/11 – Proposed Guidance 7/8/11 – Comments Due

7/7/11 – Notice 8/7/11 – Extended Comment Date 17 Comparison

18 Comparison

19 OCC – Proposed OD Guidance What’s Next

12/22/11 – Phone Conversation With OCC Rep. Still reviewing comments Coordinating efforts with the new CFPB No final guidance expected any time soon 20 Reg CC – Proposed Changes

21 Reg CC – Proposed Changes Dates

3/25/11 – Proposed Rule 6/3/11 – Comments Due 22 Reg CC – Proposed Changes Eliminate References To “Non-Local” Checks

Dodd-Frank Act Provisions

§1086(e) – $100 next-day availability is now $200

§1086(f) – CPI adjustments every 5 years Next-day availability amount (currently $200) Cash withdrawal amount ($400 rule) New account exception (currently $5,000) Large item exception (currently $5,000) 23 Reg CC – Proposed Changes Reduced Timeframes For Exception Holds

Deposits AT Non-Proprietary ATMS Maximum hold reduced from 5 to 4 business days

Disclosures & Notices Models would become more “tabular” and less “narrative” Simpler language to describe the “business day on which funds are available for withdrawal”

24 Reg CC – Proposed Changes Disclosures & Notices (cont.)

Exception Hold Notices Would have to include the “total amount of the deposit” Could only state one reason for the hold Specify the “day funds will be made available” instead of the “time period within which the funds will be available for withdrawal” Electronic notices would have to be sent so that the customer will receive it no later than the first business day after deposit (e.g., via e-mail).

25 Reg CC – Proposed Changes Disclosures & Notices (cont.)

Case-By-Case Hold Notices Would have to include the “total amount of the deposit” Specify the “day funds will be made available” instead of the “time period within which the funds will be available for withdrawal” Electronic notices would have to be sent so that the customer will receive it no later than the first business day after deposit (e.g., via e-mail).

26 Reg CC – Proposed Changes What’s Next?

2/13/12 – Semi-Annual Agenda Further Action Expected 12/00/11 27 2012 Year End [as of 4/11/12]

28 1099-B – Broker Transactions New Boxes Stock or Other Symbol (Box 1d) Quantity Sold (Box 1e) Whether Basis Is Being Reported (Box 6b) State (Box 13) State Identification No. (Box 14) State Tax Withheld (Box 15)

Other Boxes Moved and/or Renumbered

29 1099-DIV – Dividends New Boxes Box 10 – Exempt-interest dividends Previously reported on 1099-INT (Box 8) Box 11 – Specified Private Activity Bond Int. Div. Box 12 – State Box 13 – State identification no. Box 14 – State tax withheld 30 1099-INT – Interest New Boxes Box 11 – State Box 12 – State identification no. Box 13 – State tax withheld 31 1099-OID – Original Issue Discount New Boxes Box 8 – State Box 9 – State identification no. Box 10 – State tax withheld 32 IRS Developments

33 IRS Developments 1042-S – Reporting Bank Deposit Interest

1/7/11 – Proposed Rule 4/7/11 – Comments Due

Would Apply To Non-Resident Aliens (NRAs) Who Are Residents Of Any Foreign Country Currently only applies to residents of Canada

34 IRS Developments 1042-S – Reporting Bank Deposit Interest

4/19/12 – Final Rule 1/1/13 – Effective Date

Will Apply To Non-Resident Aliens (NRAs) Who Are Residents Of Foreign Countries With Information Exchange Agreement With The U.S. IRS Revenue Procedure will identify such countries

35 IRS Developments TIN Masking 5/16/11 – Notice 2011-38 Extends 2 More Years

IRA Contribution Deadline April 17, 2012 (Tuesday) 4/15 (Sunday) falls on a weekend 4/16 (Monday) is a D.C. holiday (Emancipation Day) 36 IRS Developments 12/17/10 – Tax Relief Act

Bush-era tax cuts extended through 12/31/12

Backup withholding rate remains at 28% Was scheduled to go to 31%

ESA contribution limit remains at $2,000 Was scheduled to go back to $500

Information return penalties now $30/$60/$100 Previously $15/$30/$50 37 Emerging Issues

38 Emerging Issues BSA E-Filing 7/1/12 – Must Begin Electronic Filing May use either “old” or “new” CTR/SAR forms 3/31/13 – Must Begin Using New CTR/SAR Forms

Customer Due Diligence (CDD) 3/5/12 – FinCEN Requests Comments Obtaining Beneficial Ownership Information 39 Regulatory Update Deposits Sam Teague Teague Consulting Group TUESDAY 4/27/12 Regulatory Update: Lending

1 Regulatory Update Lending Sam Teague Teague Consulting Group 2 Overview Dodd-Frank Act Provisions Already In Effect Provisions To Be Implemented Closed-End & HELOC Proposals 2012 Year End IRS Developments Emerging Issues 3 Dodd-Frank Act

4 Dodd-Frank Act Significant Dates

7/21/10 – Dodd-Frank Act Signed Into Law

7/21/11 – CFPB Takes Over Consumer Protection

12/30/11 – Regulations Transferred To CFPB

1/4/12 – Recess Appointment of CFPB Director 5 Dodd-Frank Act Provisions Already In Effect

6 Dodd-Frank Act Provisions Already In Effect

§313 – OTS Abolished

§1100E – Exemption Threshold (Reg Z)

§1100F – Use Of Credit Scores (Reg B & Reg V)

§1461 – Escrow For “Jumbo” HPMLs (Reg Z) 1 7 Dodd-Frank Act 46 MUG 2012 Provisions To Be Implemented

8 Dodd-Frank Act – Future Section 1032 – TILA/RESPA Disclosures

7/21/12 – Due Date For Proposed Rule Changes

CFPB must publish proposed rule to combine the disclosures required under the Truth In Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).

The objective is a single, integrated disclosure.

5/18/11 – “Know Before You Owe” Campaign www.ConsumerFinance.gov/knowbeforeyouowe 9 Dodd-Frank Act – Future Section 1094 – HMDA Data Collection

New Data Elements To Be Reported Age of applicants Total points and fees Length of prepayment period Value of property securing the loan Length of introductory rate period Others 10 Dodd-Frank Act – Future Section 1094 – HMDA Data Collection

Effective Date

The first January 1 after the end of the 9-month period following the issuance of final regulations.

If final regulations are published on 7/21/12, the effective date could be no earlier than 1/1/14 (7/21/12 + 9 months = 4/21/13; the first January 1 after that would be 1/1/14). 11 Dodd-Frank Act – Future Title XIV – Mortgage Reform

Dates

1/21/13 – Final rules must be published to implement these sections. [18 months after DTD]

1/21/14 – Latest possible effective date if final rules are published on 1/21/13. 12 Dodd-Frank Act – Title XIV Section 1418 – Hybrid ARM Adjustments

Borrower must receive a new disclosure notice 6 months ahead of time before the interest rate resets from a fixed rate to an adjustable rate. 13 Dodd-Frank Act – Title XIV Section 1418 – Hybrid ARM Adjustments

Notice Must Include Index Explanation Payment Alternatives Counseling State Housing Finance Authority 14 Dodd-Frank Act – Title XIV Section 1420 – Periodic Statements

Statements Will Be Required For Mortgage Loans

Will Not Apply To Fixed-Rate Mortgage Loans With A Coupon Book

Model Form To Be Published

2/13/12 – Draft Posted On CFPB Website 15 Dodd-Frank Act – Title XIV Section 1420 – Periodic Statements

Statement Content Principal Amount & Current Interest Rate Date Of Next Rate Adjustment/Reset Amount Of Any Prepayment Fee Description Of Any Late Payment Fees Contact Information Counseling Agencies Other 16 Dodd-Frank Act – Title XIV Section 1461 – Escrow For HPMLs

3/2/11 – Proposed Rule 5/2/11 – Comments Due 17 Dodd-Frank Act – Title XIV Section 1461 – Escrow For HPMLs

Changes To Regulation Z:

Lengthens the time for which a mandatory escrow account must be maintained.

Implements new disclosure requirements

18 Closed-End & HELOC Proposals

19 Reg Z – Closed-End & HELOC Dates

8/26/09 – Proposed Rules 12/24/09 – Comments Due

2/1/11 – Press Release Final rules will be issued by CFPB sometime after 7/21/11 in conjunction with the project to combine TILA/ RESPA disclosures. 20 Reg Z – Closed-End Proposed Changes

APR would be revised to include most fees and settlement costs.

For ARMs, lenders would have to notify borrowers 60 days (currently 25 days) in advance of a change in the monthly payment. 21 Reg Z – Closed-End Proposed Changes

For loans with payment options that allow the loan balance to increase, the borrower would have to receive monthly statements explaining this feature. 22 Reg Z – HELOCs Proposed Changes

Periodic statements would be enhanced to show the total amount of interest and fees charged for the statement period and the year to date.

45-day advance notice would be required for any change in terms. 23 2012 Year End [as of 4/11/12]

24 1098 – Mortgage Interest Box 4 – Mortgage Insurance Premiums This has been deleted.

Box 5 – Unlabeled Box Used to report optional information Renumbered as Box 4

25 1099-C – Cancellation of Debt Box 1 – Date Canceled

New Caption: Date of identifiable event

Box 2 – Amount Of Debt Canceled New Caption: Amount of debt discharged

Box 6 – Bankruptcy Checkbox Now used to report “Identifiable Event Code” Code “A” = Bankruptcy Other codes are optional 26 IRS Developments

27 IRS Developments TIN Masking 5/16/11 – Notice 2011-38 Extends 2 More Years 28 IRS Developments 12/17/10 – Tax Relief Act

Bush-era tax cuts extended through 12/31/12

Backup withholding rate remains at 28% Was scheduled to go to 31%

ESA contribution limit remains at $2,000 Was scheduled to go back to $500

Information return penalties now $30/$60/$100 Previously $15/$30/$50 29 Emerging Issues

30 Emerging Issues Putting The “Service” Back In Mortgage Servicing

4/9/12 – CFPB Press Release

No Surprises Clear Monthly Mortgage Statements Warning Before Interest Rate Adjusts Avoiding Costly “Force-Placed” Insurance 31 Emerging Issues Putting The “Service” Back In Mortgage Servicing

No Runarounds Payments Immediately Credited Records Kept Up-to-Date & Accessible Errors Corrected Quickly Direct & Ongoing Access To Servicer Foreclosure Prevention Team 32 Emerging Issues Credit Card Fees

4/12/12 – Proposed Rule 6/11/12 – Comments Due

Fee Limit On New Credit Card Accounts 25% of credit limit in effect when account is opened

Proposal Would Impact The “Fee Limitation Time Period” 33 Emerging Issues Credit Card Fees

Original Rule (Feb. 2010) Fees assessed during 1st year

2011 Clarification Fee assessed before account opening & during 1st year

Current Proposal Fees assessed during 1st year 34 Emerging Issues Credit Card Fees

7/20/11 – 2011 Clarification Is Challenged U.S. District Court for South Dakota

9/23/11 – Injunction Prevents 2011 Clarification From Taking Effect Based On Plain Language Of Credit CARD Act of 2009

Current Proposal Would resolve uncertainty created by the lawsuit 35 Regulatory Update Lending Sam Teague Teague Consulting Group 1 Regulatory Update Lending Sam Teague Teague Consulting Group 2 Overview Dodd-Frank Act Provisions Already In Effect Provisions To Be Implemented Closed-End & HELOC Proposals 2012 Year End IRS Developments Emerging Issues 3 Dodd-Frank Act

4 Dodd-Frank Act Significant Dates

7/21/10 – Dodd-Frank Act Signed Into Law

7/21/11 – CFPB Takes Over Consumer Protection

12/30/11 – Regulations Transferred To CFPB

1/4/12 – Recess Appointment of CFPB Director 5 Dodd-Frank Act Provisions Already In Effect

6 Dodd-Frank Act Provisions Already In Effect

§313 – OTS Abolished TUESDAY 4/27/12 Regulatory §1100E – Exemption Update: Threshold (Reg L Z)ending

§1100F – Use Of Credit Scores (Reg B & Reg V)

§1461 – Escrow For “Jumbo” HPMLs (Reg Z) 7 Dodd-Frank Act Provisions To Be Implemented

8 Dodd-Frank Act – Future Section 1032 – TILA/RESPA Disclosures

7/21/12 – Due Date For Proposed Rule Changes

CFPB must publish proposed rule to combine the disclosures required under the Truth In Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).

The objective is a single, integrated disclosure.

5/18/11 – “Know Before You Owe” Campaign www.ConsumerFinance.gov/knowbeforeyouowe 9 Dodd-Frank Act – Future Section 1094 – HMDA Data Collection

Effective Date

The first January 1 after the end of the 9-month period following the issuance of final regulations. 2 If final regulations are published on 7/21/12, the effectiveMUG 2012 47 date could be no earlier than 1/1/14 (7/21/12 + 9 months = 4/21/13; the first January 1 after that would be 1/1/14). 11 Dodd-Frank Act – Future Title XIV – Mortgage Reform