Understanding Risk Management and Compliance, What is different after Monday, November 4, 2013

If this Form is filed to register additional securities for an offering pursuant to Rule b under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. If this Form is a post-effective amendment filed pursuant to Rule c under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.

If this Form is a post-effective amendment filed pursuant to Rule d under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.

Table of Contents The information in this preliminary prospectus is not complete and may be changed. These securities may not be sold until the registration statement filed with the Securities and Exchange Commission is effective. This preliminary prospectus is not an offer to sell nor does it seek an offer to buy these securities in any jurisdiction where the offer or sale is not permitted. Dated November 4, This is an initial public offering of shares of common stock of Twitter, Inc.

Prior to this offering, there has been no public market for the common stock. Neither the Securities and Exchange Commission nor any other regulatory body has approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense. Initial public offering price. Proceeds, before expenses, to Twitter. Public Twitter is open to the world. Dawn Zimmer dawnzimmernj Just advised the national guard has arrived in Hoboken. Conversational Users express themselves on Twitter.

Mario Batali Mariobatali use San Marzano tomatoes, cook garlic less? What could be the reason? Mariobatali amarah31 could be the basil-too much too long Mario Batali Mariobatali behind this handsome rocker facade lies a brilliant cook!! Barack Obama BarackObama Four more years. Industry Data and Company Metrics. Selected Consolidated Financial and Other Data. Certain Relationships and Related Party Transactions. Description of Capital Stock. Shares Eligible for Future Sale.

Holders of Our Common Stock. Index to Consolidated Financial Statements. We have not authorized anyone to provide any information or to make any representations other than those contained in this prospectus or in any free writing prospectuses we have prepared. We take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you. This prospectus is an offer to sell only the shares offered hereby, but only under circumstances and in jurisdictions where it is lawful to do so. The information contained in this prospectus is current only as of its date.

This summary highlights selected information that is presented in greater detail elsewhere in this prospectus. This summary does not contain all of the information you should consider before investing in our common stock. Twitter is a global platform for public self-expression and conversation in real time. By developing a fundamentally new way for people to create, distribute and discover content, we have democratized content creation and distribution, enabling any voice to echo around the world instantly and unfiltered.

Our platform is unique in its simplicity: Tweets are limited to characters of text. This constraint makes it easy for anyone to quickly create, distribute and discover content that is consistent across our platform and optimized for mobile devices. People are at the heart of Twitter. We have already achieved significant global scale, and we continue to grow. Our users include millions of people from around the world, as well as influential individuals and organizations, such as world leaders, government officials, celebrities, athletes, journalists, sports teams, media outlets and brands.

Twitter is a public, real-time platform where any user can create a Tweet and any user can follow other users. We do not impose restrictions on whom a user can follow, which greatly enhances the breadth and depth of available content and allows users to discover the content they care about most. Additionally, users can be followed by thousands or millions of other users without requiring a reciprocal relationship, enhancing the ability of our users to reach a broad audience.

The public nature of our platform allows us and others to extend the reach of Twitter content beyond our properties. Media outlets distribute Tweets beyond our properties to complement their content by making it more timely, relevant and comprehensive. Tweets have appeared on over one million third-party websites, and in the third quarter of there were approximately 48 billion online impressions of Tweets off of our properties. Twitter provides a compelling and efficient way for people to stay informed about their interests, discover what is happening in their world right now and interact directly with each other.

We enable the timely creation and distribution of ideas and information among people and organizations at a local and global scale. Our platform allows users to browse through Tweets quickly and explore content more deeply through links, photos, media and other applications that can be attached to each Tweet. As a result, when events happen in the world, whether planned, like sporting events and television shows, or unplanned, like natural disasters and political revolutions, the digital experience of those events happens in real time on Twitter.

People can communicate with each other during these events as they occur, creating powerful shared experiences. Table of Contents We are inspired by how Twitter has been used around the world. President Obama used our platform to first declare victory publicly in the U. During the earthquake and subsequent tsunami in Japan, people came to Twitter to understand the extent of the disaster, find loved ones and follow the nuclear crisis that ensued.

For individuals and organizations seeking timely distribution of content, Twitter moves beyond traditional broadcast mediums by assembling connected audiences. Twitter brings people together in shared experiences allowing them to discover and consume content and just as easily add their own voice in the moment. Our platform partners and advertisers enhance the value we create for our users. Millions of platform partners, which include publishers, media outlets and developers, have integrated with Twitter, adding value to our user experience by contributing content to our platform, broadly distributing content from our platform across their properties and using Twitter content and tools to enhance their websites and applications.

Advertisers use our Promoted Products, the majority of which are pay-for-performance, to promote their brands, products and services, amplify their visibility and reach, and complement and extend the conversation around their advertising campaigns. The Interest Graph maps, among other things, interests based on users followed and actions taken on our platform, such as Tweets created and engagement with Tweets.

Although we do not generate revenue directly from users or platform partners, we benefit from network effects where more activity on Twitter results in the creation and distribution of more content, which attracts more users, platform partners and advertisers, resulting in a virtuous cycle of value creation. Mobile has become the primary driver of our business. Our mobile products are critical to the value we create for our users, and they enable our users to create, distribute and discover content in the moment and on-the-go. The character constraint of a Tweet emanates from our origins as an SMS-based messaging system, and we leverage this simplicity to develop products that seamlessly bridge our user experience across all devices.

We expect that the proportion of active users on, and advertising revenue generated from, mobile devices, will continue to grow in the near term. We have experienced rapid growth in our revenue in recent periods. We have also experienced significant growth in our user base, as measured by MAUs, and user engagement, as measured by timeline views. The Internet and digitization have allowed for virtually all content to be made available online, but the vast array of content has made it difficult for people to find what is important or relevant to them.

Over time, technologies have been developed to address this challenge: In the mid to lates, Yahoo! These portals, while convenient, and with some ability to personalize, offer access to a limited amount of content. In the earlys, Google and other search engines began providing a way to search a vast amount of content, but search results are limited by the quality of the search algorithm and the amount of content in the search index.

In addition, given the lag between live events and the creation and indexing of digital content, search engine results may lack real-time information. Also, search engines generally do not surface content that a person has not requested, but may find interesting. Table of Contents depth and breadth of content available to people is generally limited. Additionally, content from most social networks is not broadly available off their networks, such as on other websites, applications or traditional media outlets like television, radio and print.

Twitter Continues the Evolution. Twitter continues the evolution of content creation, distribution and discovery by combining the following four elements at scale to create a global platform for public self-expression and conversation in real time. We believe Twitter can be the content creation, distribution and discovery platform for the Internet and evolving mobile ecosystem.

Twitter is open to the world. Content on Twitter is broadly accessible to our users and unregistered visitors. All users can create Tweets and follow other users. In addition, because the public nature of Twitter allows content to travel virally on and off our properties to other websites and media, such as television and print, people can benefit from Twitter content even if they are not Twitter users or following the user that originally tweeted.

News breaks on Twitter. The combination of our tools, technology and format enables our users to quickly create and distribute content globally in real time with keystrokes or the flash of a photo, and the click of a button. The ease with which our users can create content combined with our broad reach results in users often receiving content faster than other forms of media. Twitter is where users come to express themselves and interact with the world. Our users can interact on Twitter directly with other users, including people from around the world, as well as influential individuals and organizations.

Importantly, these interactions can occur in public view, thereby creating an opportunity for all users to follow and participate in conversations on Twitter. The simple format of a Tweet, the public nature of content on Twitter and the ease of distribution off our properties allow media outlets to display Tweets on their online and offline properties, thereby extending the reach of Tweets beyond our properties. A study conducted by Arbitron Inc.

Our Value Proposition to Users. People come to Twitter for many reasons, and we believe that two of the most significant are the breadth of Twitter content and our broad reach. Our users consume content and engage in conversations that interest them by discovering and following the people and organizations they find most compelling. Our platform provides our users with the following benefits: Sharing Content with the World.

Users leverage our platform to express themselves publicly to the world, share with their friends and family and participate in conversations. Discovering Unique and Relevant Content. Users come to Twitter to discover what is happening in the world right now directly from other Twitter users. On Twitter, users tweet about live events instantly, whether it is celebrities tweeting to their fans, journalists breaking news or people providing eyewitness accounts of events as they unfold.

Many individuals and organizations choose to break news first on Twitter because of the unique reach and speed of distribution on our platform. As a result, Twitter is a primary source of information and complements traditional media as a second screen, enhancing the overall experience of an event by allowing users to share the experience with other users in real time.

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We believe this makes Twitter the social soundtrack to life in the moment. Through Twitter, users not only communicate with friends and family, but they also participate in conversations with other people from around the world, in ways that would not otherwise be possible. In addition to participating in conversations, users can simply follow conversations on Twitter or express interest in the conversation by retweeting or favoriting.

Our Value Proposition to Platform Partners. The value we create for our users is enhanced by our platform partners, which include publishers, media outlets and developers. These platform partners have integrated with Twitter through an application programming interface, or API, that we provide which allows them to contribute their content to our platform, distribute Twitter content across their properties and use Twitter content and tools to enhance their websites and applications.

We provide a set of development tools, APIs and embeddable widgets that allow our partners to seamlessly integrate with our platform.

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We provide our platform partners with the following benefits: Platform partners use Twitter as a complementary distribution channel to expand their reach and engage with their audiences. Publishers and media outlets contribute content created for other media channels to Twitter and tweet content specifically created for Twitter.

We provide platform partners with a set of widgets that they can embed on their websites and an API for their mobile applications to enable Twitter users to tweet content directly from those properties. Complementary Real-Time and Relevant Content. Twitter enables platform partners to embed or display relevant Tweets on their online and offline properties to enhance the experience for their users.

Canvas for Enhanced Content with Twitter Cards. Platform partners use Twitter Cards to embed images, video and interactive content directly into a Tweet. Twitter Cards allow platform partners to create richer content that all users can interact with and distribute. Building with Twitter Content.

Platform partners leverage Tweets to enhance the experience for their users. Developers incorporate Twitter content and use Twitter tools to build a broad range of applications. Media partners incorporate Twitter content to enrich their programming and increase viewer engagement by providing real-time Tweets that express public opinion and incorporate results from viewer polls on Twitter.

We provide compelling value to our advertisers by delivering the ability to reach a large global audience through our unique set of advertising services, the ability to target ads based on our deep understanding of our users and the opportunity to generate significant earned media. Advertisers can use Twitter to communicate directly with their followers for free, but many choose to purchase our advertising services to reach a broader audience and further promote their brands, products and services. Our platform provides our advertisers with the following benefits: Our Promoted Products, which are Promoted Tweets, Promoted Accounts and Promoted Trends, provide advertisers with an opportunity to reach our users without disrupting or detracting from the user experience on our platform.

Our pay-for-performance Promoted Products enable advertisers to reach users based on many factors. Importantly, because our asymmetric follow model does not require mutual follower relationships, people can follow the users that they find most interesting. Earned Media and Viral Global Reach. The public and widely distributed nature of our platform enables Tweets to spread virally, potentially reaching all of our users and people around the world.

Our users retweet, reply to or start conversations about interesting Tweets, whether those Tweets are Promoted Tweets or organic Tweets by advertisers. By creating highly compelling and engaging ads, our advertisers can benefit from users retweeting their content across our platform at no incremental cost. Advertising in the Moment.

By using our Promoted Products, advertisers can create a relevant ad in real time that is shaped by these events, conversations and topics. Pay-for-Performance and Attractive Return on Investment. Our advertisers pay for Promoted Tweets and Promoted Accounts on a pay-for-performance basis. Our advertisers only pay us when a user engages with their ad, such as when a user clicks on a link in a Promoted Tweet, expands a Promoted Tweet, replies to or favorites a Promoted Tweet, retweets a Promoted Tweet for the first time, follows a Promoted Account or follows the account that tweets a Promoted Tweet.

The pay-for-performance structure aligns our interests in delivering relevant and engaging ads to our users with those of our advertisers. Extension of Offline Advertising Campaigns. Twitter advertising complements offline advertising campaigns, such as television ads. Integrating hashtags allows advertisers to extend the reach of an offline ad by driving significant earned media and continued conversation on Twitter. We offer data licenses that allow our data partners to access, search and analyze historical and real-time data on our platform. Since the first Tweet, our users have created over billion Tweets spanning nearly every country.

Our data partners use this data to generate and monetize data analytics, from which data partners can identify user sentiment, influence and other trends. We have aligned our growth strategy around the three primary constituents of our platform: We believe that there is a significant opportunity to expand our user base. Industry sources estimate that as of there were 2. We plan to develop a broad set of partnerships globally to increase relevant local content on our platform and make Twitter more accessible in new and emerging markets.

We plan to continue to develop and improve our mobile applications to drive user adoption of these applications. We plan to continue to build and acquire new technologies to develop and improve our products and services and make our platform more valuable and accessible to people around the world. We also plan to continue to focus on making Twitter simple and easy to use, particularly for new users.

We believe growth in our platform partners is complementary to our user growth strategy and the overall expansion of our platform. We plan to continue to build and acquire new technologies to enable our platform partners to distribute content of all forms. Partner with Traditional Media. We plan to continue to leverage our media relationships to drive more content distribution on our platform and create more value for our users and advertisers.

We believe we can increase the value of our platform for our advertisers by enhancing our advertising services and making our platform more accessible. We plan to continue to improve the targeting capabilities of our advertising services. Opening our Platform to Additional Advertisers. We believe that advertisers outside of the United States represent a substantial opportunity and we plan to invest to increase our advertising revenue from international advertisers, including by launching our self-serve advertising platform in selected international markets. We intend to develop new and unique ad formats for our advertisers.

For example, we recently introduced our lead generation and application download Twitter Cards and Twitter Amplify, which allows advertisers to embed ads into real-time video content. These risks include, but are not limited to, the following: If we fail to grow our user base, or if user engagement or the number of paid engagements with our pay-for-performance Promoted Products, which we refer to as ad engagements, on our platform decline, our revenue, business and operating results may be harmed;.

If our users do not continue to contribute content or their contributions are not valuable to other users, we may experience a decline in the number of users accessing our products and services, which could result in the loss of advertisers and revenue;. We generate the substantial majority of our revenue from advertising, and the loss of advertising revenue could harm our business;. If we are unable to compete effectively for users and advertiser spend, our business and operating results could be harmed;.

Our operating results may fluctuate from quarter to quarter, which makes them difficult to predict;.

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User growth and engagement depend upon effective interoperation with operating systems, networks, devices, web browsers and standards that we do not control;. If we fail to expand effectively in international markets, our revenue and our business will be harmed;. We anticipate that we will expend substantial funds in connection with the tax liabilities that arise upon the initial settlement of restricted stock units, or RSUs, in connection with this offering, and the manner in which we fund that expenditure may have an adverse effect on our financial condition; and.

Channels for Disclosure of Information. Investors, the media and others should note that, following the completion of this offering, we intend to announce material information to the public through filings with the Securities and Exchange Commission, or the SEC, our corporate blog at blog. We also intend to announce information regarding us and our business, operating results, financial condition and other matters through Tweets on the following Twitter accounts: The information that is tweeted by the foregoing Twitter accounts could be deemed to be material information.

As such, we encourage investors, the media and others to follow the Twitter accounts listed above and to review the information tweeted by such accounts. Any updates to the list of Twitter accounts through which we will announce information will be posted on the investor relations page on our website. Table of Contents Corporate Information. Our website address is www. Information contained on, or that can be accessed through, our website does not constitute part of this prospectus and inclusions of our website address in this prospectus are inactive textual references only.

Other trademarks and trade names referred to in this prospectus are the property of their respective owners. Common stock offered by us. Common stock to be outstanding after this offering. Option to purchase additional shares of common stock from us. The principal purposes of this offering are to increase our capitalization and financial flexibility, create a public market for our common stock and enable access to the public equity markets for us and our stockholders. We intend to use the net proceeds from this offering for general corporate purposes, including working capital, operating expenses and capital expenditures.

We also may use a portion of the net proceeds to satisfy our anticipated tax withholding and remittance obligations related to the settlement of our outstanding RSUs. Additionally, we may use a portion of the net proceeds to acquire businesses, products, services or technologies. However, we do not have agreements or commitments for any material acquisitions at this time. Except as otherwise indicated, all information in this prospectus assumes: The following tables summarize our consolidated financial and other data.

The unaudited interim consolidated financial statements have been prepared on the same basis as the audited consolidated financial statements and reflect, in the opinion of management, all adjustments of a normal, recurring nature that are necessary for a fair statement of the unaudited interim consolidated financial statements. Consolidated Statement of Operations Data: Costs and expenses 1. Total costs and expenses. Interest income expense , net. Other income expense , net. Loss before income taxes. Provision benefit for income taxes. Deemed dividend to investors in relation to the tender offer.

Net loss attributable to common stockholders. Weighted-average shares used to compute net loss per share attributable to common stockholders: Net loss per share attributable to common stockholders: Consolidated Balance Sheet Data: Cash and cash equivalents. Property and equipment, net. Class A junior preferred stock. These non-GAAP financial measures are not based on any standardized methodology prescribed by GAAP and are not necessarily comparable to similarly-titled measures presented by other companies.

We define Adjusted EBITDA as net loss adjusted to exclude stock-based compensation expense, depreciation and amortization expense, interest and other expenses and provision benefit for income taxes. Depreciation and amortization expense. Interest and other expense. We define non-GAAP net loss as net loss adjusted to exclude stock-based compensation expense, amortization of acquired intangible assets and the income tax effects related to acquisitions. The following table presents a reconciliation of net loss to non-GAAP net loss for each of the periods indicated: Amortization of acquired intangible assets.

Income tax effects related to acquisitions.

We believe that Adjusted EBITDA and non-GAAP net loss provide useful information about our operating results, enhance the overall understanding of our past performance and future prospects and allow for greater transparency with respect to key metrics used by our management in its financial and operational decision-making. We use these measures to establish budgets and operational goals for managing our business and evaluating our performance.

We are presenting the non-GAAP measures of Adjusted EBITDA and non-GAAP net loss to assist investors in seeing our operating results through the eyes of management, and because we believe that these measures provide an additional tool for investors to use in comparing our core business operating results over multiple periods with other companies in our industry.

These non-GAAP financial measures should not be considered in isolation from, or as a substitute for, financial information prepared in accordance with GAAP. There are a number of limitations related to the use of these non-GAAP financial measures rather than net loss, which is the nearest GAAP equivalent of these financial measures. Some of these limitations are: These non-GAAP financial measures exclude certain recurring, non-cash charges such as stock-based compensation expense and amortization of acquired intangible assets;. Stock-based compensation expense, which is not reflected in these non-GAAP financial measures, has been, and will continue to be for the foreseeable future, a significant recurring expense in our business and an important part of our compensation strategy;.

Adjusted EBITDA excludes depreciation and amortization expense and, although these are non-cash charges, the property and equipment being depreciated and amortized may have to be replaced in the future; and. The expenses that we exclude in our calculation of these non-GAAP financial measures may differ from the expenses, if any, that our peer companies may exclude from similarly-titled non-GAAP measures when they report their results of operations. Investing in our common stock involves a high degree of risk. The risks and uncertainties described below may not be the only ones we face.

If any of the risks actually occur, our business, financial condition, operating results and prospects could be materially and adversely affected. In that event, the market price of our common stock could decline, and you could lose part or all of your investment. If we fail to grow our user base, or if user engagement or ad engagement on our platform decline, our revenue, business and operating results may be harmed. Our financial performance has been and will continue to be significantly determined by our success in growing the number of users and increasing their overall level of engagement on our platform as well as the number of ad engagements.

We anticipate that our user growth rate will slow over time as the size of our user base increases. For example, in general, a higher proportion of Internet users in the United States uses Twitter than Internet users in other countries and, in the future, we expect our user growth rate in certain international markets, such as Argentina, France, Japan, Russia, Saudi Arabia and South Africa, to continue to be higher than our user growth rate in the United States.

To the extent our user growth rate slows, our success will become increasingly dependent on our ability to increase levels of user engagement and ad engagement on Twitter. We generate a substantial majority of our revenue based upon engagement by our users with the ads that we display. If people do not perceive our products and services to be useful, reliable and trustworthy, we may not be able to attract users or increase the frequency of their engagement with our platform and the ads that we display.

A number of consumer-oriented websites that achieved early popularity have since seen their user bases or levels of engagement decline, in some cases precipitously. There is no guarantee that we will not experience a similar erosion of our user base or engagement levels. A number of factors could potentially negatively affect user growth and engagement, including if: If we are unable to increase our user growth or engagement, or if they decline, this could result in our products and services being less attractive to potential new users, as well as advertisers, which would have a material and adverse impact on our business, financial condition and operating results.

If our users do not continue to contribute content or their contributions are not valuable to other users, we may experience a decline in the number of users accessing our products and services and user engagement, which could result in the loss of advertisers and revenue.

Our success depends on our ability to provide users of our products and services with valuable content, which in turn depends on the content contributed by our users. We believe that one of our competitive advantages is the quality, quantity and real-time nature of the content on Twitter, and that access to unique or real-time content is one of the main reasons users visit Twitter. Our ability to expand into new international markets depends on the availability of relevant local content in those markets.

We seek to foster a broad and engaged user community, and we encourage world leaders, government officials, celebrities, athletes, journalists, sports teams, media outlets and brands to use our products and services to express their views to broad audiences.

We also encourage media outlets to use our products and services to distribute their content. If users, including influential users, do not continue to contribute content to Twitter, and we are unable to provide users with valuable and timely content, our user base and user engagement may decline. Additionally, if we are not able to address user concerns regarding the safety and security of our products and services or if we are unable to successfully prevent abusive or other hostile behavior on our platform, the size of our user base and user engagement may decline.

We rely on the sale of advertising services for the substantial majority of our revenue. If we experience a decline in the number of users or a decline in user engagement, including as a result of the loss of world leaders, government officials, celebrities, athletes, journalists, sports teams, media outlets and brands who generate content on Twitter, advertisers may not view our products and services as attractive for their marketing expenditures, and may reduce their spending with us which would harm our business and operating results.

We generate the substantial majority of our revenue from advertising. The loss of advertising revenue could harm our business. The substantial majority of our revenue is currently generated from third parties advertising on Twitter. We generate substantially all of our advertising revenue through the sale of our three Promoted Products: As is common in the industry, our advertisers do not have long-term advertising commitments with us.

In addition, many of our advertisers purchase our advertising services through one of several large advertising agency holding companies. Advertising agencies and potential new advertisers may view our Promoted Products as experimental and unproven, and we may need to devote additional time and resources to educate them about our products and services.

Advertisers also may choose to reach users through our free products and services, instead of our Promoted Products. Advertisers will not continue to do business with us, or they will reduce the prices they are. Table of Contents willing to pay to advertise with us, if we do not deliver ads in an effective manner, or if they do not believe that their investment in advertising with us will generate a competitive return relative to alternatives, including online, mobile and traditional advertising platforms.

Our advertising revenue could be adversely affected by a number of other factors, including: The occurrence of any of these or other factors could result in a reduction in demand for our ads, which may reduce the prices we receive for our ads, either of which would negatively affect our revenue and operating results. Table of Contents If we are unable to compete effectively for users and advertiser spend, our business and operating results could be harmed. Competition for users of our products and services is intense. Although we have developed a new global platform for public self-expression and conversation in real time, we face strong competition in our business.

We compete against many companies to attract and engage users, including companies which have greater financial resources and substantially larger user bases, such as Facebook including Instagram , Google, LinkedIn, Microsoft and Yahoo!

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For example, Facebook operates a social networking site with significantly more users than Twitter and has been introducing features similar to those of Twitter. In addition, Google may use its strong position in one or more markets to gain a competitive advantage over us in areas in which we operate, including by integrating competing features into products or services they control. As a result, our competitors may acquire and engage users at the expense of the growth or engagement of our user base, which would negatively affect our business.

We believe that our ability to compete effectively for users depends upon many factors both within and beyond our control, including: We also face significant competition for advertiser spend. The substantial majority of our revenue is currently generated through ads on Twitter, and we compete against online and mobile businesses, including those referenced above, and traditional media outlets, such as television, radio and print, for advertising budgets.

In order to grow our revenue and improve our operating results, we must increase our share of spending on advertising relative to our competitors, many of which are larger companies that offer more traditional and widely accepted advertising products. In addition, some of our larger. Table of Contents competitors have substantially broader product or service offerings and leverage their relationships based on other products or services to gain additional share of advertising budgets. We believe that our ability to compete effectively for advertiser spend depends upon many factors both within and beyond our control, including: In recent years, there have been significant acquisitions and consolidation by and among our actual and potential competitors.

We anticipate this trend of consolidation will continue, which will present heightened competitive challenges for our business. Acquisitions by our competitors may result in reduced functionality of our products and services. As a result, our users may be less likely to click on links to Instagram photos in Tweets, and Instagram users may be less likely to tweet or remain active users of Twitter.

Any similar elimination of integration with Twitter in the future, whether by Facebook or others, may adversely impact our business and operating results. Consolidation may also enable our larger competitors to offer bundled or integrated products that feature alternatives to our platform. If we are not able to compete effectively for users and advertiser spend our business and operating results would be materially and adversely affected. Our operating results may fluctuate from quarter to quarter, which makes them difficult to predict.

Our quarterly operating results have fluctuated in the past and will fluctuate in the future. As a result, our past quarterly operating results are not necessarily indicators of future performance. Our operating results in any given quarter can be influenced by numerous factors, many of which we are unable to predict or are outside of our control, including: Given our limited operating history and the rapidly evolving markets in which we compete, our historical operating results may not be useful to you in predicting our future operating results.

We believe our rapid growth may understate the potential seasonality of our business.

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As our revenue growth rate slows, we expect that the seasonality in our business may become more pronounced and may in the future cause our operating results to fluctuate. For example, advertising spending is traditionally seasonally strong in the fourth quarter of each year and we believe that this seasonality affects our quarterly results, which generally reflect higher sequential advertising revenue growth from the third to fourth quarter compared to sequential advertising revenue growth from the fourth quarter to the subsequent first quarter.

In addition, global economic concerns continue to create uncertainty and unpredictability and add risk to our future outlook. An economic downturn in any particular region in which we do business or globally could result in reductions in advertising revenue, as our advertisers reduce their advertising budgets, and other adverse effects that could harm our operating results. User growth and engagement depend upon effective interoperation with operating systems, networks, devices, web browsers and standards that we do not control.

We make our products and services available across a variety of operating systems and through websites. We are dependent on the interoperability of our products and services with popular devices, desktop and mobile operating systems and web browsers that we do not control, such as Mac OS, Windows, Android, iOS, Chrome and Firefox. Any changes in such systems, devices or web browsers that degrade the functionality of our products and services or give preferential treatment to competitive. Table of Contents products or services could adversely affect usage of our products and services.

Further, if the number of platforms for which we develop our product expands, it will result in an increase in our operating expenses. In order to deliver high quality products and services, it is important that our products and services work well with a range of operating systems, networks, devices, web browsers and standards that we do not control. In addition, because a majority of our users access our products and services through mobile devices, we are particularly dependent on the interoperability of our products and services with mobile devices and operating systems.

We may not be successful in developing relationships with key participants in the mobile industry or in developing products or services that operate effectively with these operating systems, networks, devices, web browsers and standards. In the event that it is difficult for our users to access and use our products and services, particularly on their mobile devices, our user growth and engagement could be harmed, and our business and operating results could be adversely affected.

If we fail to expand effectively in international markets, our revenue and our business will be harmed. We may not be able to monetize our products and services internationally as effectively as in the United States as a result of competition, advertiser demand, differences in the digital advertising market and digital advertising conventions, as well as differences in the way that users in different countries access or utilize our products and services.

Differences in the competitive landscape in international markets may impact our ability to monetize our products and services. For example, in South Korea we face intense competition from a messaging service offered by Kakao, which offers some of the same communication features as Twitter. The existence of a well-established competitor in an international market may adversely affect our ability to increase our user base, attract advertisers and monetize our products in such market.

We may also experience differences in advertiser demand in international markets. For example, during times of political upheaval, advertisers may choose not to advertise on Twitter. Certain international markets are also not as familiar with digital advertising in general, or in new forms of digital advertising such as our Promoted Products.

We will explore the different aspects of the internet, including the surface web, deep web, and dark web. Deborah Crawford This event was recorded on Wednesday, March 14th, The two sections of this webinar provide a line-by-line look at the forms and your requirements to file. Time lines, identification, RSSDs, and exemptions will all be covered. Robin Russell This event was recorded on Thursday, March 1st, Bob Gregg This event was recorded on Thursday, March 1st, Learn about legal and practical issues related to workplace violence, including the ADA Direct Threat standards.

We'll also address policies and best practices. Kate Cole This event was recorded on Wednesday, February 28th, Chad Knutson This event was recorded on Thursday, February 22nd, Join us to recap the statistics related to ransomware and learn how to prepare for this growing threat. Ann Thomas This event was recorded on Friday, February 16th, Suzie Jones This event was recorded on Tuesday, February 13th, This webinar will delve into the responsibilities of collecting appropriate documentation, providing ownership options, titling accounts correctly, and allowing proper access to Trust, Fiduciary and Minor accounts not only during lifetime but at the death of a signer as well.

McGuinn This event was recorded on Tuesday, February 13th, At this workshop you will receive current information about all these issues and an in-depth explanation about how they impact on your financial institution and your safe deposit box renters. Suzie Jones This event was recorded on Thursday, February 8th, This two hour webinar examines not only the compliance requirements on business entities available in most states but clearly indentifies who has authority to open and transact on the account. Chad Knutson This event was recorded on Thursday, February 8th, Suzie Jones This event was recorded on Tuesday, February 6th, This two-hour workshop focuses on the new account opening procedures and compliance requirements for Personal and Consumer Accounts.

Susan Orr This event was recorded on Thursday, February 1st, We'll outline the detailed information you should add to your documents and processes to support a thorough due diligence, risk assessment, and annual oversight of your customers. Thomas This event was recorded on Thursday, February 1st, Thomas This event was recorded on Wednesday, January 31st, Turner This event was recorded on Thursday, January 25th, Patrice Konarik This event was recorded on Tuesday, January 23rd, This 2 hour extremely informative webinar will give you the information you need to make sure you are setting the accounts up correctly and performing the proper maintenance and reporting.

Chad Knutson This event was recorded on Wednesday, January 10th, Jeffery Johnson This event was recorded on Wednesday, January 3rd, Carl Pry This event was recorded on Tuesday, December 19th, Kate Cole This event was recorded on Friday, December 15th, Learn the differences between the Green Book and the ACH Rules, with a focus on enrollment, payment processing, reclamations and limiting your liability.

Thomas This event was recorded on Tuesday, December 12th, Robin Russell This event was recorded on Friday, December 8th, Deborah Crawford This event was recorded on Wednesday, December 6th, Jon Waldman This event was recorded on Wednesday, December 6th, As the year slowly winds down, join us for a review on major information security events in and a brief look forward at what is to come in Barry Thompson This event was recorded on Thursday, November 30th, This program will cover all the necessary steps your staff needs to sustain a safe workplace in your financial institution.

Randall Phillips This event was recorded on Wednesday, November 29th, Learn the importance of a proper investigation, how to conduct one and how to accomplish an interview. Thomas This event was recorded on Tuesday, November 28th, Susan Orr This event was recorded on Monday, November 20th, We will cover the regulatory requirements including state level data breach notification laws and focus on the elements of an Incident Response Plan and how you can help prevent a breach.

Thomas This event was recorded on Thursday, November 16th, Deborah Crawford This event was recorded on Thursday, November 16th, Carol Dodgen This event was recorded on Wednesday, November 8th, Jon Waldman This event was recorded on Tuesday, November 7th, Carl Pry This event was recorded on Monday, November 6th, Virtually all the federal regulators have issued guidance on what should be present in an effective CMS.

We will explore those expectations. Deborah Crawford This event was recorded on Thursday, November 2nd, Deborah Crawford This event was recorded on Tuesday, October 31st, This program will serve as an introduction as to the broader aspects of the concept of the UDAAP risk assessment and how to assemble all the pieces to get the job done. Carl Pry This event was recorded on Wednesday, October 25th, Randall Phillips This event was recorded on Wednesday, October 25th, Jon Waldman This event was recorded on Friday, October 20th, Chad Knutson This event was recorded on Tuesday, October 17th, Thomas This event was recorded on Wednesday, October 11th, A review of the final amendments to Regulation CC, which will impact fraud loss allocation and backroom check processing operations, set to take effect July 1, Thomas This event was recorded on Tuesday, October 10th, Kate Cole This event was recorded on Thursday, October 5th, Robin Russell This event was recorded on Wednesday, October 4th, Chad Knutson This event was recorded on Tuesday, October 3rd, Deborah Crawford This event was recorded on Thursday, September 28th, This webinar will look at the critical issues of each of these components and how they relate to your overall goal to prevent financial crimes.

Deborah Crawford This event was recorded on Wednesday, September 27th, This webinar will cover the accounts that receive government benefits, such as social security and veterans accounts. Thomas This event was recorded on Tuesday, September 26th, Attend this overview of SJR 60 and learn how these changes, if passed, may benefit your bank and your customers. Gary Nesbitt This event was recorded on Wednesday, September 20th, This webinar will cover the basic elements of wire transfers and how they differ from other types of payment channels. Chad Knutson This event was recorded on Tuesday, September 19th, Many directors would benefit from additional training on your Information Security Program, cybersecurity threats, and emerging technology risks.

Deborah Crawford This event was recorded on Monday, September 18th, Robin Russell This event was recorded on Thursday, September 14th, Thomas This event was recorded on Thursday, September 14th, Carol Dodgen This event was recorded on Wednesday, September 13th, Attendees will gain an understanding of CPTED and how they can apply these methods when conducting assessments of their facilities. Thomas This event was recorded on Tuesday, September 12th, Deborah Crawford This event was recorded on Wednesday, September 6th, Deborah Crawford This event was recorded on Thursday, August 31st, Ann Thomas This event was recorded on Wednesday, August 23rd, The webinar will cover the latest revisions and recently approved changes to the call report, as well as updates due to revisions in accounting standards.

Deborah Crawford This event was recorded on Wednesday, August 23rd, Kate Cole This event was recorded on Friday, August 18th, This course is designed as an introduction for the novice payments professional into the world of ACH or as a solid refresher for the payments veteran. Deborah Crawford This event was recorded on Thursday, August 17th, These 10 fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization.

Kate Cole This event was recorded on Wednesday, August 16th, Jon Waldman This event was recorded on Wednesday, August 16th, Our goal is to help attendees see the value in the assessment tool, the changes introduced in version 1. Kate Cole This event was recorded on Friday, August 11th, Kate Cole This event was recorded on Friday, August 4th, Chad Knutson This event was recorded on Thursday, August 3rd, This discussion will review strong risk management processes and identify critical elements for building layered information security controls into your security program.

Susan Costonis This event was recorded on Wednesday, August 2nd, Will your financial institution experience more debit card fraud investigation in ? Learn steps for handling disputes, plus time frames for resolving unauthorized transaction claims. Laura Wilson This event was recorded on Wednesday, August 2nd, This webinar is designed to assist bank management in the development of the required internal program and train staff to recognize signs of financial exploitation of vulnerable adults. Robin Russell This event was recorded on Wednesday, July 26th, Laura Wilson This event was recorded on Wednesday, July 26th, This webinar reviews the new sections of the law and provides an overview of the Durable Power of Attorney Act in its entirety.

Jon Waldman This event was recorded on Tuesday, July 25th, Jeffery Johnson This event was recorded on Monday, July 24th, Kate Cole This event was recorded on Friday, July 21st, Chad Knutson This event was recorded on Thursday, July 20th, Don Blaine This event was recorded on Wednesday, July 19th, You will be provided the knowledge to conduct a risk assessment for all key compliance areas at your bank following this program.

Laura Wilson This event was recorded on Wednesday, July 19th, This is a series to be held on July 19, 26, and August 2. The prices include all sessions. Each session can also be attended individually. Chad Knutson This event was recorded on Thursday, July 13th, We will review CATO cases, important considerations, and the outcome for the financial institution. Deborah Crawford This event was recorded on Wednesday, July 12th, Thomas This event was recorded on Tuesday, July 11th, Deborah Crawford This event was recorded on Wednesday, June 28th, Deborah Crawford This event was recorded on Thursday, June 22nd, Susan Costonis This event was recorded on Wednesday, June 21st, Carl Pry This event was recorded on Tuesday, June 20th, Kate Cole This event was recorded on Friday, June 16th, We will help you understand the compliance requirements associated with processing ACH entries on a day-to-day basis.

Kate Cole This event was recorded on Wednesday, June 14th, This webinar is designed to help you understand the risks associated with the ACH and how to help mitigate those risks. This webinar series is designed to help you understand the risks associated with the ACH and how to help mitigate those risks. Deborah Crawford This event was recorded on Thursday, June 8th, We will take the core document from deposit accounts documentation and set up a working document so that you can tailor your procedures into the framework we will provide. Marci Malzahn This event was recorded on Tuesday, June 6th, This webinar will take you through a step-by-step process to develop three key Risk Assessments you must have as critical components of your ERM Program.

Thomas This event was recorded on Tuesday, June 6th, Chad Knutson This event was recorded on Thursday, May 25th, Carl Pry This event was recorded on Tuesday, May 23rd, Deborah Crawford This event was recorded on Tuesday, May 23rd, Honey Shelton This event was recorded on Monday, May 22nd, If your institution attends at least 5 webinars per year, a webinar subscription package is a no-brainer! Thomas This event was recorded on Tuesday, May 16th, David Osburn This event was recorded on Monday, May 15th, Thomas This event was recorded on Thursday, May 11th, Chad Knutson This event was recorded on Thursday, May 4th, Deborah Crawford This event was recorded on Tuesday, May 2nd, Kate Cole This event was recorded on Thursday, April 27th, Susan Fonteno This event was recorded on Wednesday, April 26th, We'll discuss the responsibilities of collecting correct documentation, titling the account correctly, choosing the correct ownership and allowing proper access to the account.

Chad Knutson This event was recorded on Thursday, April 20th, Carol Dodgen This event was recorded on Wednesday, April 19th, Suzie Jones This event was recorded on Tuesday, April 18th, We'll investigate the types of business entities available in most states and clarify who has authority to open the account and ultimately sign the resolutions. Robin Russell This event was recorded on Thursday, April 13th, McGuinn This event was recorded on Wednesday, April 12th, Get a realistic and well-organized method of reviewing and auditing your procedures before a catastrophe occurs.

Patrice Konarik This event was recorded on Tuesday, April 11th, Jerod Moyer This event was recorded on Thursday, April 6th, Susan Costonis This event was recorded on Wednesday, April 5th, Robin Russell This event was recorded on Tuesday, April 4th, Chad Knutson This event was recorded on Monday, April 3rd, This session will review technology trends and emerging FinTech, the shift in cybercrime, and discuss the associated risks which must be considered to successfully extract strategic value for the institution. Are the current options used by your institution to determine if the mortgage is qualified still available?

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Don Blaine This event was recorded on Monday, March 27th, Key bank personnel can learn to oversee the validation process and ensure your bank meets regulatory and audit expectations. Bob Gregg This event was recorded on Friday, March 24th, Understanding how the internet is leveraged for crime gives us a better understanding how to protect our institutions. Thomas This event was recorded on Thursday, March 16th, Deborah Crawford This event was recorded on Thursday, March 9th, The new rule applies specific federal consumer protections to broad swaths of the prepaid market for the first time.

Thomas This event was recorded on Thursday, March 9th, Patrice Konarik This event was recorded on Tuesday, March 7th, How do we strike that perfect balance between customer responsibility and custodial responsibility on Health Savings Accounts? If any member of your staff is not familiar with the provisions listed below they need this program. Carl Pry This event was recorded on Wednesday, March 1st, This discussion addresses some key points when it comes to the CFPB and their processes, so you can be best prepared.

Don Blaine This event was recorded on Monday, February 27th, Chad Knutson This event was recorded on Friday, February 24th, Ransomware and Cyber Extortion cases are on the rise, with over a billion dollars in losses. With this training, we will give teach institution a useful set of skills. Deborah Crawford This event was recorded on Thursday, February 23rd, Ann Thomas This event was recorded on Thursday, February 16th, We'll review clarifications on the risk reporting of loan categories, deferred tax assets, equity securities, unused commitments, and interest rate locks. Douglas Waldorf This event was recorded on Wednesday, February 15th, Thomas This event was recorded on Wednesday, February 15th, Turner This event was recorded on Tuesday, February 14th, Mike Hogan This event was recorded on Thursday, February 9th, This session not only addresses the coverage provided by these unique insurance policies, but it also covers the enhancements that some insurers are willing to provide.

Jon Waldman This event was recorded on Wednesday, February 8th, Honey Shelton This event was recorded on Thursday, February 2nd, Chad Knutson This event was recorded on Wednesday, February 1st, McGuinn This event was recorded on Wednesday, January 25th, When your safe deposit box renter dies, who can access the box now? Get this compliance update. Thomas This event was recorded on Tuesday, January 24th, Barry Thompson This event was recorded on Friday, January 20th, We will review the best practices for the financial institutions security officer as well as those things the security officer should never implement.

Don Blaine This event was recorded on Thursday, January 19th, Deborah Crawford This event was recorded on Thursday, January 19th, This program will explain complex legal issues with straightforward and easy to understand rules of t Deborah Crawford This event was recorded on Wednesday, January 18th, Thomas This event was recorded on Thursday, January 12th, Chad Knutson This event was recorded on Friday, January 6th, In this session, core steps required for most incidents will be highlighted and specialized components for DDOS, malware, CATO, and unauthorized access incident types will be explained.

Chad Knutson This event was recorded on Monday, January 2nd, This session will discuss recent regulatory guidance and how regulatory examination programs have been updated. Thomas This event was recorded on Wednesday, December 21st, David Dickinson This event was recorded on Tuesday, December 20th, Carl Pry This event was recorded on Monday, December 19th, Deborah Crawford This event was recorded on Friday, December 16th, Get a recap of 's emerging issues for BSA and a look toward issues. Deborah Crawford This event was recorded on Thursday, December 15th, Susan Costonis This event was recorded on Wednesday, December 14th, Deborah Crawford This event was recorded on Thursday, December 8th, Understanding authority on the different types of business accounts may keep you from making mistakes that can be costly to your organization.

Deborah Crawford This event was recorded on Tuesday, December 6th, Deborah Crawford This event was recorded on Tuesday, November 29th, Deborah Crawford This event was recorded on Thursday, November 17th, McGuinn This event was recorded on Thursday, November 10th, Susan Costonis This event was recorded on Wednesday, November 9th, Learn how the CFPB complaint process has changed regulatory expectations, and what your bank or credit union should be doing to proactively manage complaints. Thomas This event was recorded on Wednesday, November 9th, Deborah Crawford This event was recorded on Friday, November 4th, Christy Crawford This event was recorded on Thursday, November 3rd, Deborah Crawford This event was recorded on Thursday, November 3rd, During this program we will develop scripts with different options for both personal and business accounts.

Deborah Crawford This event was recorded on Wednesday, November 2nd, Learn how to get the forms right at new accounts so the IRS reporting is correct and in compliance. Susan Costonis This event was recorded on Tuesday, November 1st, Deborah Crawford This event was recorded on Thursday, October 20th, Learn how to stay clear of the 10 hot spots when opening and managing trust accounts in your branches.

Susan Orr This event was recorded on Wednesday, October 19th, Deborah Crawford This event was recorded on Tuesday, October 18th, We'll walk through POAs, custodians, representative payees, court ordered accounts, trustees and bankruptcy, plus look at paperwork and duties of each person to understand your responsibilities. Deborah Crawford This event was recorded on Thursday, October 13th, Deborah Crawford This event was recorded on Wednesday, October 12th, Learn from A to Z the best practices for opening business accounts, documenting the authority and changing signers in the new regulatory environment.

Thomas This event was recorded on Thursday, September 29th, Ann Thomas This event was recorded on Friday, September 23rd, This webinar will help you learn the classification priority for reporting loan information correctly. Deborah Crawford This event was recorded on Thursday, September 22nd, Thomas This event was recorded on Wednesday, September 21st, Deborah Crawford This event was recorded on Thursday, September 15th, This webinar focuses on the compliance and technical skills your new accounts rep needs to be successful at his or her job.

Thomas This event was recorded on Thursday, September 15th, Christy Crawford This event was recorded on Wednesday, September 14th, This program will answer commonly asked frontline questions, and it will go over the red flags for money laundering for deposits and loans. Deborah Crawford This event was recorded on Thursday, September 8th, Learn how to open, document, change signers, and handle the paperwork on these interesting accounts. McGuinn This event was recorded on Thursday, September 8th, Thomas This event was recorded on Wednesday, September 7th, Ann Thomas This event was recorded on Tuesday, August 30th, We'll review the approved changes, along with updates on some of the RC-R risk-based capital items, plus any other proposed changes.

Deborah Crawford This event was recorded on Thursday, August 25th, Patrice Konarik This event was recorded on Wednesday, August 24th, Deborah Crawford This event was recorded on Thursday, August 18th, Deborah Crawford This event was recorded on Tuesday, August 9th, Deborah Crawford This event was recorded on Thursday, August 4th, Deborah Crawford This event was recorded on Tuesday, August 2nd, John Zorbini This event was recorded on Monday, August 1st, Philip Vassallo This event was recorded on Wednesday, July 27th, You'll receive excellent resources that you can continually turn to during intense, complex audit engagements.

Jerod Moyer This event was recorded on Tuesday, July 26th, Deborah Crawford This event was recorded on Tuesday, July 26th, Learn the three elements that apply to consumer accounts. You'll receive scripts, monitoring tips and much more. Deborah Crawford This event was recorded on Tuesday, July 19th, Kevin Streff This event was recorded on Wednesday, July 13th, This session will address both preventive methods against social engineering and response techniques to reduce overall risk to your institution.

Deborah Crawford This event was recorded on Tuesday, July 12th, This two-part webinar covers the nuts and bolts of the new regulation. This webinar covers the nuts and bolts of the new regulation and what it will mean to legal entity customers. Thomas This event was recorded on Wednesday, July 6th, Jeffery Johnson This event was recorded on Friday, July 1st, Deborah Crawford This event was recorded on Tuesday, June 28th, Learn about this important topic in detail to help prevent your institution from making costly errors in the account opening process.

Jeffery Johnson This event was recorded on Thursday, June 23rd, Learn the major credit factors to examine to predict the repayment capability of a municipality or other governmental unit. Susan Orr This event was recorded on Wednesday, June 22nd, Learn how to effectively enhance your institution-wide Information Security Program to address cyber security preparedness.

Deborah Crawford This event was recorded on Tuesday, June 21st, Deborah Crawford This event was recorded on Thursday, June 16th, This webinar will assist new accounts representatives in opening accounts and documenting the tax status. Thomas This event was recorded on Thursday, June 9th, Deborah Crawford This event was recorded on Tuesday, June 7th, This will be a comprehensive examination of issues in the FFIEC examination manual that may surprise you on an examination if you miss them. Thomas This event was recorded on Thursday, June 2nd, Jeffery Johnson This event was recorded on Wednesday, June 1st, Jeffery Johnson This event was recorded on Wednesday, May 25th, Deborah Crawford This event was recorded on Monday, May 23rd, This program will review the new interagency guidance for financial institutions from start to finish.

Ann Thomas This event was recorded on Tuesday, May 3rd, John Zorbini This event was recorded on Monday, May 2nd, Patrice Konarik This event was recorded on Thursday, April 28th, McGuinn This event was recorded on Thursday, April 28th, Susan Costonis This event was recorded on Thursday, April 21st, Susan Orr This event was recorded on Wednesday, April 20th, Deborah Crawford This event was recorded on Wednesday, April 20th, Learn the safe way to handle checks, and help protect your financial institution and you from loss on these negotiable instruments.

Deborah Crawford This event was recorded on Friday, April 15th, Do you know what to do when you get an Alert? Patrice Konarik This event was recorded on Thursday, April 14th, We'll investigate the types of business entities available in most states and who that "authority" person is to open the account and sign the resolutions. Deborah Crawford This event was recorded on Tuesday, April 12th, Deborah Crawford This event was recorded on Tuesday, April 5th, Jeffery Johnson This event was recorded on Friday, April 1st, Patrice Konarik This event was recorded on Wednesday, March 30th, Deborah Crawford This event was recorded on Wednesday, March 30th, Ann Thomas This event was recorded on Tuesday, March 29th, Thomas This event was recorded on Wednesday, March 23rd, Thomas This event was recorded on Thursday, March 17th, Thomas This event was recorded on Thursday, March 10th, Patrice Konarik This event was recorded on Tuesday, March 8th, Whether you now offer HSAs or are thinking about offering HSAs, get the information you need to set up accounts correctly and perform proper maintenance and reporting.

Deborah Crawford This event was recorded on Thursday, March 3rd, John Zorbini This event was recorded on Tuesday, March 1st, This event was recorded on Tuesday, February 23rd, Supervisors and staff will learn the expectations of a Universal Banker, plus skills needed to be effective in this role. Leave with a plan of action and tools to become a Universal Banker. Deborah Crawford This event was recorded on Monday, February 22nd, Learn 15 reasons your customers' names may not match and how to avoid costly penalties and lots of back of the house work.

Thomas This event was recorded on Wednesday, February 17th, Thomas This event was recorded on Wednesday, February 10th, Deborah Crawford This event was recorded on Friday, February 5th, Ann Thomas This event was recorded on Wednesday, February 3rd, Experienced Call Report preparers, reviewers and auditors will learn proposed changes, updates on some RC-R risk-based capital items, and other changes from revisions in accounting standards.

Deborah Crawford This event was recorded on Monday, February 1st, Your Board will learn how we gather identifi Deborah Crawford This event was recorded on Thursday, January 28th, McGuinn This event was recorded on Thursday, January 21st, Bob Gregg This event was recorded on Wednesday, January 20th, Thomas This event was recorded on Wednesday, January 20th, Susan Orr This event was recorded on Friday, January 15th, Christy Crawford This event was recorded on Thursday, January 14th, Thomas This event was recorded on Wednesday, January 13th, Philip Vassallo This event was recorded on Tuesday, January 12th, Learn how to write and respond to emails efficiently and accurately, get remedies for problematic messages, and leave with guidelines for managing emails.

Jeffery Johnson This event was recorded on Thursday, January 7th, Tim Reimink This event was recorded on Friday, January 1st, This session covers actions you can take to analyze your costs, as well as improve efficiency and save money. Deborah Crawford This event was recorded on Friday, December 18th, Carl Pry This event was recorded on Thursday, December 17th, Deborah Crawford This event was recorded on Tuesday, December 15th, Christy Crawford This event was recorded on Thursday, December 10th, Get answers to more than 25 commonly asked frontline questions, plus review red flags for money laundering deposits and loans.

Deborah Crawford This event was recorded on Wednesday, December 9th, Thomas This event was recorded on Thursday, December 3rd, Susan Costonis This event was recorded on Wednesday, December 2nd, The webinar will focus on several simple steps to handle Electronic Funds Transfer Act Reg E customer disputes and inquiries. Tim Daum This event was recorded on Tuesday, December 1st, This holistic approach creates a collective strategy based on five core components to attract, motivate and retain a high-performanc Thomas This event was recorded on Thursday, November 19th, Deborah Crawford This event was recorded on Tuesday, November 17th, This webinar will examine current CD rules, procedures and ownership issues that may need to be revamped.

Susan Costonis This event was recorded on Tuesday, November 17th, Learn how to prove compliance with the Regulation Z training requirement in McGuinn This event was recorded on Thursday, November 12th, Susan Orr This event was recorded on Thursday, November 12th, Become familiar with this important new guidance. Christy Crawford This event was recorded on Wednesday, November 4th, Jennifer Burke This event was recorded on Tuesday, November 3rd, Risks in financial institutions continue to increase in both volume and magnitude.

This presentation will address the top risks in financial services in as identified by the regulators and Chief Internal Auditors. McGuinn This event was recorded on Tuesday, October 27th, Deborah Crawford This event was recorded on Tuesday, October 20th, Deborah Crawford This event was recorded on Wednesday, October 14th, David Ringstrom This event was recorded on Wednesday, October 7th, Jeffery Johnson This event was recorded on Tuesday, October 6th, Gain understanding of how to document, close and record secured transactions covered by Revised Article 9 of the UCC.

Deborah Crawford This event was recorded on Thursday, October 1st, Your Board will understand the confidential nature of the SAR and how your team works with law enforcement to gather the best possible information and report it to Financial Crimes Net Ann Thomas This event was recorded on Tuesday, September 29th, The Call Report - Recent Changes and Highlights seminar is designed for experienced preparers and reviewers.

Susan Costonis This event was recorded on Wednesday, September 23rd, Patrice Konarik This event was recorded on Friday, September 18th, This two-hour webinar provides the information you need to make sure you set up these accounts correctly and perform proper maintenance and reporting. Thomas This event was recorded on Thursday, September 17th, This two-hour presentation is designed to provide financial institution personnel with the best practices that can be used in dealing with these complex legal documents. Deborah Crawford This event was recorded on Tuesday, September 15th, Deborah Crawford This event was recorded on Friday, September 11th, Deborah Crawford This event was recorded on Thursday, September 10th, McGuinn This event was recorded on Wednesday, September 9th, Ann Thomas This event was recorded on Thursday, September 3rd, Dave Adams This event was recorded on Tuesday, September 1st, This presentation discusses the regulatory background behind the allowance process, an overview of existing allowance methodologies, what we see in the marketplace, what the future holds relative to a new methodology coming in and how to prepare now for the change.

Giulio Camerini This event was recorded on Monday, August 3rd, Within this presentation we will discuss managing credit risk, discuss some of the constant risks present for a lending institutions portfolios, and finally discuss the current environment and what some of the risks in the market are today. Deborah Crawford This event was recorded on Friday, July 24th, Philip Vassallo This event was recorded on Wednesday, July 22nd, You will leave this webinar with excellent resources that you can continually turn to during intense, complex audit engagements.

Susan Orr This event was recorded on Wednesday, July 15th, What you need to know for an effective outsourced third party risk management program Vendor Management. Deborah Crawford This event was recorded on Wednesday, July 1st, Susan Orr This event was recorded on Tuesday, June 23rd, Deborah Crawford This event was recorded on Wednesday, June 3rd, We will develop a system of thought and procedure to assist you in tackling complicated companies and keep you in compliance with your back of the house operations.

Neal Doshi This event was recorded on Monday, June 1st, This program will give a basic overview of a Digital Signature solution and introduce how the process works.