EPCOR Payments University Agenda – Day 18:30 a.m. – 9:00 a.m. Reg i st r at i on a n d B r e ak fa st

Ba s i c Tr ack Advanc ed Tr ack

9:00 a.m. – 9:50 a.m. Welcome a nd I n t roduct i on s

9:50 a.m. – 10:00 a.m. Br e ak

10:00 a.m. – 12:00 p.m. Paymen t Syst em s Ba s i c sKevin Olsen, AAP, NCP, EastPay (Sandusky)Shelly Simpson, AAP, EPCOR (Branson)Get acquainted with the various payment systems. Walk through the history of each payment system, define key terms and explore how transactions flow through the four key payment channels. You’ll also have an opportunity to test your knowledge of the payment systems.

10:00 a.m. – 11:10 a.m Mob i l e RDCMarcy Cauthon, AAP, NCP, EPCOR Is your institution offering Mobile RDC today? Or do you have plans to in the future? Discuss ways for onboarding Mobile RDC clients, setting limits and establishing funds availability. Duplicates continue to be the #1 challenge with Mobile RDC. Work through everyday scenarios on how to handle this growing problem.

11:10 a.m. – 12:00 p.m Fraud WorkshopShelly Simpson, AAP, EPCOR (Sandusky)Karen Sylvester, AAP, CRCM, NCP, EPCOR (Branson) Payments fraud constantly evolves as nefarious criminals continue to find innovative ways to rip people off. Learn from others using real-life frauds and explore methods for detecting fraud so that you can protect your accountholders and yourself!

12:00 p.m. – 1:00 p.m. Lunch

1:00 p.m. – 2:30 p.m. Paymen t Syst em s Ru l e s & R egu l at i on sKaren Sylvester, AAP, CRCM, NCP, EPCOR Regulation E, Regulation J, Card Network rules, UCC 3, ACH Rules – OH MY! Don’t let payment system rules and regulations overwhelm you. Unravel which rules and regulations apply to which payment systems and explain how these affect your financial institution’s payments processing.

1:00 p.m. – 2:30 p.m. Ask EPCOREPCOR Staff Come one, come all! This session is all about you! What are the greatest challenges you face on the job? Bring your payments questions and get expert answers from the EPCOR staff.

2:30 p.m. – 2:45 p.m. Br e ak

2:45 p.m. – 3:45 p.m. Paymen t Syst em s R i s kJennifer Kline, AAP, NCP, EPCOR (Sandusky)Amy Donaghue, AAP, EPCOR (Branson)Identify and understand the many types of risks in each payment system. Explore how to best mitigate risk to protect your organization from potential losses. Interact with your peers and learn from real-life scenarios. Identify risks and discover mitigation controls..

2:45 p.m. – 3:45 p.m. Same Day ACH Updat eKaren Sylvester, AAP, CRCM, NCP, EPCOR The payments industry agrees on one issue – we need faster payments. What isn’t so easily agreed upon is how to get there. This session will provide an overview of the state of Same Day ACH; what’s been done, what’s being done and what the future may look like for a Same Day ACH environment.

3:45 p.m. – 4:30 p.m. Becom i ng a n AAPKaren Sylvester, AAP, CRCM, NCP, EPCOR (Sandusky)Shelly Simpson, AAP, EPCOR (Branson) Have you thought about becoming an Accredited ACH Professional? Understand the value and benefits of becoming an AAP during this session. Jump start your exam preparation!

3:45 p.m. – 4:30 p.m. Becom i ng a n NCPMarcy Cauthon, AAP, NCP, EPCOR Have you thought about becoming a National Check Professional? Understand the value and benefits of becoming an NCP during this session. Start preparing for the 2016 exam now.

4:30 p.m. Adjourn

EPCOR Payments University Agenda – Day 27:30 a.m. – 8:00 a.m. Br e ak fa st

8:00 a.m. – 10:00 a.m. Exc e pt i on Hand l i n gMarcy Cauthon, AAP, NCP, EPCOR You spent day 1 learning about payment systems basics, including rules, regulations and risk. Now it’s time to roll up your sleeves and tackle exception items. Learn how to handle those transactions that don’t post the first time around and work through several exception situations as a group to determine how best to resolve them.

8:00 a.m. – 9:00 a.m EFT I n v e st i gat i on sKaren Sylvester, AAP, CRCM, NCP, EPCORAre you properly handling consumer disputes? Are you aware of the serious implications when disputes of electronic transactions are not handled correctly? Explore how to handle consumer disputes of ACH and Card EFTs, including appropriate timeframes, documentation requirements and more. Using real-life case studies identify the proper course of action that will adhere to regulatory requirements.

9:00 a.m. – 9:05 a.m. Br e ak

9:05 a.m. – 10:00 a.m Th i r d - Pa rt y S e nd e r s i n t h e ACH N e tworkKaren Sylvester, AAP, CRCM, NCP, EPCOR In most ACH transactions, the roles of the various parties to the transaction are well understood. However, when a transaction involves a Third-Party Sender the roles can become confused. Examine the key terms and revised definition of a Third-Party Sender as outlined in NACHA Operations Bulletin #2-2014; learn the difference between a Third-Party Sender and Third-Party Service Provider; participate in an interactive exercise dissecting real life examples and leave prepared to identify Third-Parties in complex scenarios.

10:00 a.m. – 10:15 a.m. Break

10:15 a.m. – 11:30 a.m. Exc e pt i on Hand l i n g ( con t i n u e d )Marcy Cauthon, AAP, NCP, EPCOR You spent day 1 learning about payment systems basics, including rules, regulations and risk. Now it’s time to roll up your sleeves and tackle exception items. Learn how to handle those transactions that don’t post the first time around and work through several exception situations as a group to determine how best to resolve them.

10:15 a.m. – 11:30 a.m. Improving ACH Orig inat ion Qual ity Shelly Simpson, AAP, EPCORSeveral ACH Rules aimed at reducing return rates and improving ACH origination quality will soon be implemented. Is your institution ready? And how will you ensure compliance? During this round table discussion participants will share what each of their institutions are doing in preparation for these Rules changes and how they plan to ensure compliance.

11:30 a.m. – 12:15 p.m. Lunch

12:15 p.m. – 1:45 p.m. Wir e & ACH Or i g i n at i onShelly Simpson, AAP, EPCOR In this session you’ll focus on wire transfer and ACH origination, which are used primarily by businesses to make payments to business partners and consumers alike. Examine what is involved in the origination process of both payment systems.

12:15 p.m. – 1:45 p.m. Check E xc e pt i on sKaren Sylvester, AAP, CRCM, NCP, EPCOR Marcy Cauthon, AAP, NCP, EPCORA multitude of check exception issues face financial institutions today. During this hands-on session investigate real-life case studies to help you better understand whether certain items should be returned or adjusted as well as the process you need to follow in order to do so appropriately.

1:45 p.m. – 2:00 p.m. Br e ak

2:00 p.m. – 3:15 p.m. Paymen t Syst em s J eo pa rdyJennifer Kline, AAP, NCP, EPCOR (Sandusky)Amy Donaghue, AAP, EPCOR (Branson)Shelly Simpson, AAP, EPCORYou came, you’ve listened and you’ve learned. Now, it’s time to get to work! This hands-on session allows you to apply all of the basic payments knowledge you have acquired over the past two days.

2:00 p.m. – 3:15 p.m. Are You Smart e r Than a n AAP o r NCP?Karen Sylvester, AAP, CRCM, NCP, EPCOR Marcy Cauthon, AAP, NCP, EPCORWhat better way for you and your classmates to end two days of study than with some fun. Are you ready to show off your payments knowledge? Let us test your skills in Are You Smarter Than an AAP or NCP?

3:15 p.m. Adjourn