The presentation will focus on banking services and the many changes that have affected the banking industry over that past few years. There will be a discussion of the Governmental Unit Deposit Protection Act (GUDPA); a supplemental insurance program to protect the deposits of local government agencies and municipalities, as well as the new collateralization requirements. The session will also discuss how to create an effective Request For Proposals (RFP) for banking services and help the participants understand what to look for from a bank.