Seminar Catalog (PID) as of 2/13/12

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2 Seminar Catalog (PID) as of 2/13/12 Allseminars aredesigned for delivery in60 minutes (unless otherwise noted), withan additional minutes needed for question and answer. All seminars include printed handouts of the presentation material. Some seminars have additional resources as handouts as well. Seminars can be booked for community organizations, schools and other groups by calling Guam (671) , Saipan (670) , Palau (680) , American Samoa (684) or by ing We will attempt to honor as many requests as possible. Bank of Hawaii does not charge for this seminar, nor the printed material. Please check for the latest information on course offerings. SEMINAR TOPICS: The Core Curriculum Budgeting Basics of Saving and Investing Protecting Yourself Against Fraud The ABC s of Credit The Basics of Banking Specialty Subjects Saving For Retirement Pathway to Homeownership for First Time Homebuyers How to Write a Successful Business Plan Internal Fraud Prevention for Businesses Bank of Hawaii Senior Awareness of Financial Exploitation

3 1. Budgeting Financial planning is a process of setting goals, developing a plan to achieve them, and putting the plan into action. This basic workshop explores the fundamentals of budgeting, which includes creating financial goals, analyzing your spending, and strategies to keep you on track to meet your goals. The objective of this seminar is to familiarize you with the tools you need to create your own personal financial plan and help you make the most of your money. Set SMART financial goals Analyze your spending Create a budget plan Use strategies to follow your plan Determine how you will monitor your plan 2. Basics of Saving and Investing When you think about how you want to achieve your financial dreams and goals, you realize that it s not just going to happen magically. You need to put thought and effort into it. In this seminar, you ll learn the basics of saving and investing. You ll learn how to assess your current financial situation and what might be the best financial vehicle to get you there. By combining saving and investing, you ll not only be able to have money to take care of life s unexpected changes, but you ll be putting your money to work for you. Understand the importance of knowing your financial position and financial goals Understand the basics of saving Understand the basics of investing Utilize tips for successful saving and investing 3. Protecting Yourself Against Fraud Don t think it could happen to you? Think again. No one is immune to being a victim of fraud; criminals are always finding innovative ways to steal your money. In this seminar, we will cover the single most common form of fraud that Bank of Hawaii has seen committed against our customers: Advance Fee Fraud Schemes. This type of fraud hasmany variations, like lotterywinnings winnings, the transferof hidden funds, andunexpected inheritances, which are just a few of the countless ways this scheme is perpetrated. Did you know one of the most common forms of this scam victimizes people that sell goods through classified ads or places them for sale on online auction sites? Learning how to identify this kind of scam could save you or your loved ones from being a victim. As an added bonus, all attendees will receive a free book about protecting oneself from various forms of fraud and information theft. (Books available only while supplies last). Establish an awareness of Advance Fee Fraud Schemes Understand how to reduce your risk Learn what action to take if you are victimized

4 4. The ABC s of Credit (90 minute course, inclusive of Q&A) We use it to buy homes and cars, amongst other things, or as a convenient cash alternative. But, do you really know what credit is? What does your credit report tell your creditors, even potential employers, and why does it matter? In this seminar, you ll learn the answers to those questions, as well as how to ensure that you build or maintain a good credit score. You ll also learn how to get your credit lines back under your control, or, if that s too overwhelming, where to find help. While every credit situation is unique, The ABC s of Credit will provide you with a foundation of knowledge so that you can take control of one of your most important financial assets your credit worthiness. Understand the basics of credit Understand credit reporting, credit scoring, and the importance of having a good credit history Know what to do if credit problems occur 5. The Basics of Banking Some people save money in a shoe box while others use a piggy bank. But eventually, a shoe box or piggy bank fills up and you re faced with several choices. You can either get a new shoe box or piggy bank, stop saving or open a bank account. This basic workshop will explore various deposit products offered at a bank including what s needed to open an account and how to manage it to avoid embarrassment. The objective of this seminar is to familiarize i you with the different types of products offered so that you ll be able to select the services that best suits your needs. The types of deposit products and services that banks offer What a checking account is and how to use it What a debit card is and how to use it Managing a checking account How to avoid overdraft fees 6. Saving For Retirement (90 minute course, inclusive of Q&A) Recent studies have suggested that most Americans aren t putting enough money away for retirement. Combine that lack ofsaving with recent volatility in the financial markets, and many people may approach retirement age and realize that they won t be able to retire after all. Successful retirement planning basically boils down to 3 choices: Work longer, spend less, or save more. The truth is, sometimes we can t work longer due to declining health or a job loss. And sometimes we can t spend less, particularly in the early years of retirement, due to long term debt commitments, such as mortgages or home equity lines of credit. So this seminar session focuses on that third factor: saving enough during our working years for a comfortable retirement. This seminar is meant for those with at least seven or more years until reaching their desired retirement age. Those on the cusp of imminent retirement should visit their financial advisor for individualized advice. Find out why you should begin saving for retirement early Learn calculations that can help you determine how much to save Understand the benefits of tax advantaged retirement accounts Understand the importance of protecting yourself against risk

5 7. Pathway to Homeownership for First Time Homebuyers Your friends, family, co workers and even the news media are still saying that now is the time to buy a home, especially if you ve never owned one before. The availability of homes on the market and low mortgage rates could make this the right time for you to buy your first home. Where do you start? How much can you afford? What do all those strange words that only get used during a real estate transaction mean? This Pathways to Homeownership seminar should help you answer those questions and more. While this seminar is designed for first time home buyers, this may also be a good refresher for those who haven t been through the home buying process in awhile. The pre approval process and why it s important How to find the home that s right for you How to get the financing you need 8. How to Write a Successful Business Plan Thinking about starting your own business? If so, having a business plan is critical. It is your map that will help guide your company small or large. Having a comprehensive and well thought out business plan is also important when raising capital because investors want to know that you ve done all your homework. In this seminar, you will learn more about the importance of a business plan and all the different components that t go into a successful one. So start tplanning today. It s your road map to success. The importance of having a business plan The components of a good business plan How to put your plan into action 9. InternalFraud Prevention forbusinesses Did you know that the opportunity to commit fraud is psychologically more acceptable when employees believe that their dishonest acts will go undetected and unprosecuted? Fraud related activity is on the rise. That is why it is critical to be able to reduce the temptation of employee fraud by implementing control measures and developing policies and procedures to combat fraud. Knowing and being able to detect the many types of schemes will also help protect your business. In this seminar, we will cover a prominent theory of why internal fraud occurs, identify the most common forms of internal fraud and provide control measures, policies and procedural tips to mitigate your risk. So take the first step today in making sure your business is protected from fraud. Understand why internal fraud occurs Identify a vast spectrum of internal fraud schemes Learn measures to mitigate your risk Smart Money Seminars are designed and intended to be educational and to provide program attendees (and others who use these materials) with general information on particular topics. The information contained in these materials and in accompanying presentations shall not be construed as insurance, financial, investment, estate planning, tax, legal, compliance, accounting, or other professional services or advice by Bank of Hawaii, or by the authors or presenters of the programs. You should seek specific and timely advice from the appropriate professionals before acting on any content of these materials. While Bank of Hawaii tries to provide accurate information in its Smart Money Seminar materials, and in accompanying presentations, Bank of Hawaii does not guarantee the accuracy of these materials or presentations. The necessarily generic nature of these materials and accompanying presentations may not always reflect frequently changing state and federal regulations. Bank of Hawaii does not update, correct, or modify the information contained in these materials. By accessing and viewing these materials, you acknowledge and agree that you understand and have read this disclaimer and further acknowledge that Bank of Hawaii disclaims all liability and responsibility for claims or damages that may result from reliance on these material as well as from any errors or inaccuracies in these materials or accompanying presentations and from any transactions that may employ any information contained in these materials or accompanying presentations.

6 10. Bank of Hawaii Senior Awareness of Financial Exploitation Millions of people fall victim to fraud each year. But did you know that many of these victims are our seniors? People spend a lifetime saving for their golden years and it shouldn t be taken away by someone else. Fraudulent activity comes in all shapes and sizes. That is why it is critical for seniors to be educated on the different types of scams. In this seminar, you will learn about senior financial abuse and how to protect yourself from becoming victimized. So have peace of mind by empowering yourself with the tools and knowledge to help protect your hard earned savings. j Learn about senior financial abuse Identify different types of scams Understand how to protect yourself from fraud

7 Smart Money Seminars are designed and intended to be educational and to provide program attendees (and others who use these materials) with general information on particular topics. The information contained in these materials and in accompanying presentations shall not be construed as insurance, financial, investment, estate planning, tax, legal, compliance, accounting, or other professional services or advice by Bank of Hawaii, or by the authors or presenters of the programs. You should seek specific and timely advice from the appropriate professionals before acting on any content of these materials. While Bank of Hawaii tries to provide accurate information in its Smart Money Seminar materials, and in accompanying presentations, Bank of Hawaii does not guarantee the accuracy of these materials or presentations. The necessarily generic nature of these materials and accompanying presentations may not always reflect frequently changing state and federal regulations. Bank of Hawaii does not update, correct, or modify the information contained in these materials. By accessing and viewing these materials, you acknowledge and agree that you understand and have read this disclaimer and further acknowledge that Bank of Hawaii disclaims all liability and responsibility for claims or damages that may result from reliance on these material as well as from any errors or inaccuracies in these materials or accompanying presentations and from any transactions that may employ any information contained in these materials or accompanying presentations.

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