Beyond Check-the-Box Training Sheryl T. Smikle, PhD, PMP 6th Annual Quality Matters Conference 2014

2010 – 2011 Bank Regulatory Era Course Names Time (Mins) People Hours Affiliate Transactions (Reg W) 60 62 Anti Tying 56 Bank Overview L&R Training/ Safety and Soundness 30 200 100 Bank Regulator 101 Course 199 Bank Secrecy Act Equal Credit Opportunity Act - Reg B FACT Act Overview 55 Fair Credit Reporting Act (FCRA) Federal Regulation of Real Estate Appraisals 40 Flood Insurance 45 GE Specific Fair Lending Training 23 UDAP Training 58 44 Customer Complaint Training 15 157 39 Loans to Executive Officers (Reg O) 20 Office of Foreign Assets Control 31 10 Pretext Calling & Identity Theft 138 Reserve Requirements (Reg D/Q) 22 Right to Financial Privacy Act – RFPA 122 61 Unfair And Deceptive Credit Practices (Reg AA) Assumption Per Employee - Number of Courses – 19 Total Number of Hours - 1155 Beyond Check –the-Box Training

2011 – 2012 Back to Basics Era Time (Mins) Course Names Reduced Number of Courses – 16 reduced to 6 Reduction in Hours – 6.5 hours (reduced from 10.5 hours to 4) Course Names Time (Mins) Regulatory Requirements 30 Customer Information Protection - Generalist Customer Information Protection - Specialist 60 GECFI UDAP Training Fair Lending 45 Fair Lending for Structured Lending Beyond Check-the-Box Training

2012 – Mid 2013 Training vs. Learning New Paradigm – Experiential adult-based model. New Language – Learner-Centered; Learning. New Approach – Outcomes-based, shorter seat time. Beyond Check –the-Box Training