hosted by:

National Federation of Community Development Credit Unions The National Federation of Community Development Credit Unions is a certified CDFI Intermediary representing community development credit unions (CDCUs). The Federation’s member CDCUs provide credit, savings, transaction services and financial education to more than 4 million residents of low-income urban, rural and reservation-based communities across the US, and hold over $32 billion in community-controlled assets. Founded in 1974, the Federation is headquartered in Lower Manhattan with offices in Madison, WI. The Federation offers a wide range of advocacy, educational, training, investment, marketing, and outreach programs to support and assist CDCUs. For more information about the Federation and its programs, please visit www.cdcu.coop.

and

Credit Union National Association

The Credit Union National Association (CUNA) is the largest national trade association in the United States serving America’s credit unions. The not-for-profit trade group is governed by volunteer directors who are elected by their credit union peers from across the nation. With its network of affiliated state credit union associations, CUNA serves America’s credit unions, which are owned by more than 100 million consumer members.

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CUNA Community Credit Union Conference & The Federation 2015 Annual Conference

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Dear Friends and Colleagues,

Welcome to the CUNA Community Credit Union Conference and the Federation 2015 Annual Conference. This year, the Federation and CUNA have teamed up to provide credit unions focused on service to members and community with a conference that offers an incredible breadth and depth of content. Over the next four days you’ll discover invaluable perspectives on community issues and learn new strategies for reaching out to your community and growing your credit union.

The Commitment to Community cooperative principle is an essential part of a credit union’s purpose. Credit union members don’t serve corporate executives or shareholders—they serve one another through a cooperative structure that gives each member an equal voice. This unique gathering of credit union leaders, staff, volunteers and board members will focus on opportunities and best practices for serving new audiences, partnering with community organizations and structuring your organization to expand our movement and enrich the lives of your members.

Thank you for being a part of this unique community of diverse and passionate credit union advocates and for joining us in Phoenix.

Sincerely,

CATHIE MAHONPresident and CEONational Federation of Community Development Credit Unions

JIM NUSSLE President and CEO Credit Union National Association

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Conference RegistrationRegistration and Welcome Center are located on second level of the Sheraton Downtown Phoenix. Each attendee will receive a conference name badge. Your badge will be your official pass and must be worn during all events.

REGISTRATION HOURSTuesday, September 22: 4:00 – 5:30 p.m.Wednesday, September 23: 7:30 – 8:30 a.m.

CONFERENCE ATTIREBusiness casual dress is suggested for all meetings. Comfortable walking shoes are recommended for those planning to explore Phoenix after conference hours.

EXHIBIT HALL HOURSNetwork with credit union vendors and discover valuable new products and services to better serve your members and community. The Exhibit Hall is located in the Phoenix Ballroom, D & E of the Sheraton Downtown Phoenix and will be open during the following hours:

Conference Information

Conference Information

Tuesday, September 224:00 – 5:30 p.m. Registration

Wednesday, September 237:30 – 8:30 a.m. Breakfast with Vendors

10:00 – 10:30 a.m. Networking Break with Vendors

2:45 – 3:15 p.m. Networking Break with Vendors

5:00 – 6:30 p.m. Welcome Reception with Vendors

Thursday, September 247:30 – 8:30 a.m. Breakfast with Vendors

10:00 – 10:30 a.m .Networking Break with Vendors

2:45 – 3:15 p.m. Networking Break with Vendors

6:00 – 7:30 p.m. Reception, Located off-site

Friday, September 257:30 – 8:30 a.m.Breakfast

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Guest Social Events$325/person

The guest social events package includes breakfasts, lunch on Wednesday and the Awards lunch on Thursday, welcome and closing receptions, and entrance to the general sessions (breakout sessions are not open to guests).

Conference Information

Thursday, September 247:30 – 8:30 a.m. Breakfast with Vendors

10:00 – 10:30 a.m .Networking Break with Vendors

2:45 – 3:15 p.m. Networking Break with Vendors

6:00 – 7:30 p.m. Reception, Located off-site

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Download the Community Conference 2015 app for access to everything you need to navigate the conference.

The app includes:• Speaker bios• Schedule of events• Session descriptions• Local restaurants• Local attractions• Directory of sponsors and vendors• Hotel maps• Evaluations

See page 26 for instructions and details.

TWEET YOUR BIG DISCOVERIESCUNA and the National Federation of Community Development Credit Unions invite you to participate in our Twitter conversation. Tweet your thoughts about the conference.

Follow @CUNA and @CDCU_Federation and use #Community15 in your tweet so everyone can follow the conversation.

CCUCFED2015 App

#Community15

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TUESDAY, SEPTEMBER 221:00 - 5:00 p.m. CU Breakthrough ClinicEncanto B 4:00 - 5:30 p.m. Conference RegistrationPhoenix D/E Foyer

WEDNESDAY, SEPTEMBER 237:30 - 8:30 a.m. Registration & Breakfast with VendorsPhoenix D/E

8:30 - 9:30 a.m. Welcome & Opening Keynote Session Phoenix C • How Credit Unions Build Communities by Cathie Mahon

9:30 - 10:00 a.m. Special SessionPhoenix C • CFPB Update by Daniel Dodd-Ramirez

10:00 - 10:30 a.m. Networking Break with VendorsPhoenix D/E

10:30 a.m. - 12:00 p.m. Breakout Sessions Paradise Valley • Young Professionals: Making Real Impact in Credit Union Communities by James Marshall, Danielle Buscher, Christopher Curry & Rachel BarkerDeer Valley • Establishing and Executing a Foundation at Your Credit Union by Doug Olson & Alan BransonEncanto A • Approaches to Financial Counseling by Justine Zinkin & Mark LynchEncanto B • Managing Risk by Cindy Williams & Larry Fazio

12:00 - 1:30 p.m. Luncheon and Special Session: Phoenix A/B • Economic Development in Phoenix by Patricia Garcia Duarte, Robin Romano & Mark Van Brunt

1:30 - 2:45 p.m. Breakout SessionsParadise Valley • Innovation in Payments by Ryan ZilkerDeer Valley • Developing an Engaged Board by Rory Rowland & Helen Godfrey SmithEncanto A • Writing Loans for the Credit Challenged by Cindy Williams & Randy ThomsponEncanto B • Models for Collaboration by Sheilah Montgomery, W. Kent Hartzler, Mark Cummins & Richard Dines, Sponsored by National Cooperative Bank

2:45 - 3:15 p.m. Networking Break with Vendors Phoenix D/E

3:15 - 4:30 p.m. General SessionPhoenix C • Who Will Speak for Credit Unions? by Ryan Donovan • Today’s Economy & the Effect on Your Credit Union by Bill Hampel, Sponsored by CUNA Strategic Services

5:00 - 6:30 p.m. Welcome ReceptionPhoenix D/E • Sponsored by Visa, Inc.

Agenda

THURSDAY, SEPTEMBER 247:30 - 8:30 a.m. Breakfast with Vendors Phoenix D/E

8:30 - 9:30 a.m. General Session Phoenix C • Future of Community Credit Unions by Martin Eakes, Sponsored by CUNA Strategic Services

9:30 - 10:00 a.m. Keynote Session Phoenix C • Winning is Growing by Jim Nussle

10:00 - 10:30 a.m. Networking Break with VendorsPhoenix D/E

10:30 - 12:00 p.m. Breakout Sessions Paradise Valley • The Future of Branches by Brian Porter, Sponsored by CUNA Strategic ServicesDeer Valley • Business Lending Within your Community by Dale Frankhouse and Tristram CoffinEncanto A • The Value of CDFI Certification by Terry Ratigan & John BissellEncanto B • Innovative Products and Strategies for the Underbanked by Steve Zuckerman, Dave Prosser & Paul Grinde

12:00 - 1:30 p.m. Awards Luncheon Phoenix A/B • Sponsored by CO-OP Financial Services

1:30 - 2:45 p.m. Breakout Sessions Paradise Valley • Utilizing Social Media to Grow your Membership & Serve your Community by Ryan Bell, Sponsored by True North CustomDeer Valley • Utilizing Data Analytics to Grow Your Membership and Serve Your Community by Jason MileskoEncanto A • Loan Growth Strategies: Developing Partnerships within the Community by Steve Barbier & Judith CowdenEncanto B • Immigrant Financial Inclusion by Winona Nava & Miriam De Dios

2:45 - 3:15 p.m. Networking Break with VendorsPhoenix D/E

3:15 - 4:15 p.m. General SessionPhoenix C • Changes in the Credit Union Business Model: How the Future of Credit Unions Will Evolve in the Next 20 Years by Mark Sievewright, Sponsored by CUNA Mutual Group

4:30 - 6:00 p.m. Site Visit to MariSol Federal Credit Union and Tour ofOff-Site Economic Development in Phoenix (pre-registration required)

6:00 - 7:30 p.m. Reception Off-Site at theSecurity Building

Agenda

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FRIDAY, SEPTEMBER 257:30 - 8:30 a.m. BreakfastPhoenix D/E

8:30 - 9:00 a.m. Federation Regional CaucusesEncanto B • Region 1Cave Creek • Region 2Phoenix A • Region 3Phoenix B • Region 4

8:30 - 9:45 a.m. Breakout SessionsPhoenix C • Board Leadership and Strategic Succession - Successful Strategies from Credit Unions Like Yours by Jeff RendelDeer Valley • Emotional Intelligence in the Workplace by Lisa CarverParadise Valley • Reaching the Subprime Lending Market - How to Make it a True Win-Win! by Steve Hoke, sponsored by CUNA Mutual GroupEncanto A • The Role Millennials Play in the Credit Union Movement by Holly Arter

9:00 - 10:00 a.m. Federation Business MeetingEncanto B

9:45 - 10:15 a.m. Break

10:15 - 11:45 a.m. Closing General SessionPhoenix C • Rock Star Community Service by Kaytlin Greenley • Your Community. Our Community. The Competitive Advantage. by Jeff Rendel

11:45 a.m. Conference Adjourned

Agenda

*Schedule subject to change, please visit either the conference website or view the CCUCFED15 app for the most up-to-date schedule and details.

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Compushare C3 Cloud Computing

Security Solutions for Cash Protection

Mobile Recovery Services

Community-Based, Merchant-Funded Rewards Program

Calendar Program

Member Financial Counseling and Education

ATMs, Electronic Security, Fire Monitoring, Locksmith Services, Managed Services, Physical Security, ATM and Branch Supplies

Credit Union Member Discounts for General Motors, Sprint, TurboTax, DIRECTV, Allied Van Lines, and TruStage Auto & Home Insurance

Payroll Processing and Administration

Marketing Services, Personal and Business Checks, Forms, and Statements

Private Student Loan and Refinance Programs

Competitive Rate and Fee Intelligence, Mystery Shopping Services, Member Satisfaction Surveys, and Compliance/Fair Treatment Testing

Online and Mobile Banking, Bill Payment, Personal Financial Management, and Growth and Retention Services

Business Continuity and Technology Solutions

Office Supplies, Furniture and Workspace Planning, Technology, Promotional Products, and Print Services

Cloud-Based Risk Management and IT Security Compliance

BSA/Anti-Money Laundering and Fraud Detection Software

Consumer and Business Loan Portfolio Analysis

SBA Loans, Health and Benefits Insurance, Payroll Services, Electronic Payment Processing, Website Development and Hosting, and Data Storage

Managed IT Security Services, Email Security, and Cloud-Based Email

Collaborative Portals for Vendor Management, Boards, and Business-to-Business Communities

Secondary Mortgage Market

Secondary Mortgage Market

Overdraft Privilege, Contract Optimization, and Earnings Enhancement Programs

CU Mobile Apps and Prepaid Debit Cards

Electronic Signatures

cunastrategicservices.com

Our carefully chosen providers save you money and time by providing the products, services and technologies your credit union needs to compete in the modern financial marketplace.

CUNA STRATEGIC SERVICES

R E LAT I O N S H I P S THAT M AT T E R

CSS_ProvidersFlyer_1pg_6x9.indd 1 8/14/15 2:37 PM

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Compushare C3 Cloud Computing

Security Solutions for Cash Protection

Mobile Recovery Services

Community-Based, Merchant-Funded Rewards Program

Calendar Program

Member Financial Counseling and Education

ATMs, Electronic Security, Fire Monitoring, Locksmith Services, Managed Services, Physical Security, ATM and Branch Supplies

Credit Union Member Discounts for General Motors, Sprint, TurboTax, DIRECTV, Allied Van Lines, and TruStage Auto & Home Insurance

Payroll Processing and Administration

Marketing Services, Personal and Business Checks, Forms, and Statements

Private Student Loan and Refinance Programs

Competitive Rate and Fee Intelligence, Mystery Shopping Services, Member Satisfaction Surveys, and Compliance/Fair Treatment Testing

Online and Mobile Banking, Bill Payment, Personal Financial Management, and Growth and Retention Services

Business Continuity and Technology Solutions

Office Supplies, Furniture and Workspace Planning, Technology, Promotional Products, and Print Services

Cloud-Based Risk Management and IT Security Compliance

BSA/Anti-Money Laundering and Fraud Detection Software

Consumer and Business Loan Portfolio Analysis

SBA Loans, Health and Benefits Insurance, Payroll Services, Electronic Payment Processing, Website Development and Hosting, and Data Storage

Managed IT Security Services, Email Security, and Cloud-Based Email

Collaborative Portals for Vendor Management, Boards, and Business-to-Business Communities

Secondary Mortgage Market

Secondary Mortgage Market

Overdraft Privilege, Contract Optimization, and Earnings Enhancement Programs

CU Mobile Apps and Prepaid Debit Cards

Electronic Signatures

cunastrategicservices.com

Our carefully chosen providers save you money and time by providing the products, services and technologies your credit union needs to compete in the modern financial marketplace.

CUNA STRATEGIC SERVICES

R E LAT I O N S H I P S THAT M AT T E R

CSS_ProvidersFlyer_1pg_6x9.indd 1 8/14/15 2:37 PM

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Eunice Rogers, CEO, NRS Community Development Federal Credit Union

Many inside the credit union industry and in public-policy circles thought the image was purely nostalgic and obsolete: a small credit union, operating part-time with a largely volunteer staff in its sponsoring church, open a few days a week. But the NRS Community Development Federal Credit Union in Birmingham, Alabama, is just such a credit union –

and its dynamic CEO, Eunice Johnson Rogers, the 2015 Annie Vamper Helping Hands Award winner, is proof that there is a lot of life in these institutions.

Managing a credit union is Eunice Rogers’ second career. With a degree in engineering from Vanderbilt University, this Birmingham native was a trail blazer at a time when few African-American women could be found in the field; she was a charter member of the Birmingham, Alabama chapter of the National Society of Black Engineers. Eunice worked for nearly 20 years for Bell South, before becoming the CEO of NRSCDFCU which was chartered in 1996.

Eunice threw herself into the credit union movement. She attended both CUNA Management School and the Federation’s CDCU Institute™. She is active in the League of Southeastern Credit Unions and has served as a liaison to state policymakers, representing District 7. Nationally, Eunice has served as Federation Board Chair and on the Federation’s Education and Training Committee, Membership Committee, and has been active in the Faith-Based Credit Union Task Force. She has served on CUNA’s Cooperative Alliance and the Small Credit Union Committees and has participated in the Development Educators program.

Eunice made a strong impression on a large credit union audience as a featured member of the National Association of Federal Credit Unions (NAFCU), and she is a member of the African-American Credit Union Coalition (AACUC), a close ally of the Federation. Remarkably, and despite all her national work and her duties managing NRSCDFCU, Eunice found time to serve as chairman of the planning commission of the City of Birmingham and currently serves on the board of both the Regional Planning Commission of Greater Birmingham and the Alabama Association of Regional Councils. She is also the Chairman of the Alabama Asset Building Coalition promoting financial stability for individuals and families.

Winner of Annie Vamper Helping Hands Award

The Community Credit Union of the Year AwardThe Community Credit Union of the Year Award honors credit unions that embody the credit union ideals, get involved in their community and meet the needs of their own diverse member-bases.

Each credit union applicant is judged by three criteria:

This year’s awards will be presented to credit unions in two asset categories – under and over $250 million in assets. Each category has a first place winner and an honorable mention runner-up.

THE 2015 COMMUNITY CREDIT UNION OF THE YEAR AWARD WINNERS ARE:

Royal CU (WI), 1st Place Winner – Over $250M in assets

Bayport CU (VA), Honorable Mention – Over $250M in assets

Northeast Community CU (TN), 1st Place Winner – Under $250M in assets

Southwest 66 CU (TX), Honorable Mention – Under $250M in assets

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Specialized Consulting & Technical Assistance for Credit Unions

CU Breakthrough™ is a service of the National Federation of Community Development Credit Unions. We help credit unions grow and reach out to unbanked or underbanked consumers.

CU Breakthrough™ draws on more than three decades of credit union experience in underserved communities. Our specialized consultants can help your credit union prepare for tomorrow’s challenges today.

The world is changing fast. Opportunities for credit unions are greater than ever.

What We Do Who We Are

CDFI Certification

CDFI Grant Writing & Compliance

Emerging Market Reviews

Secondary Capital

Contact us at cubreakthrough@cdcu.coop for your free consultation or visit us at cdcu.coop today!

Strategic Planning

Micro & Small Business Lending

1MemberImpact

2Community

Impact 3FinancialImpact

Specialized Consulting & Technical Assistance for Credit Unions

CU Breakthrough™ is a service of the National Federation of Community Development Credit Unions. We help credit unions grow and reach out to unbanked or underbanked consumers.

CU Breakthrough™ draws on more than three decades of credit union experience in underserved communities. Our specialized consultants can help your credit union prepare for tomorrow’s challenges today.

The world is changing fast. Opportunities for credit unions are greater than ever.

What We Do Who We Are

CDFI Certification

CDFI Grant Writing & Compliance

Emerging Market Reviews

Secondary Capital

Contact us at cubreakthrough@cdcu.coop for your free consultation or visit us at cdcu.coop today!

Strategic Planning

Micro & Small Business Lending

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Changes in the Credit Union Business Model: How the Future of Credit Unions will Evolve in the Next 20 YearsMARK SIEVEWRIGHTThere’s a once-in-a-lifetime transformation underway in the U.S. financial services industry. It’s a transformation that will have a dramatic, long term impact on how credit unions do business, how they strategize about their futures and how they collaborate around products, services and information. Within this, consumers are redefining what it means to be empowered and connected through a growing array of electronic devices and applications. The world of payments is also evolving rapidly and moving beyond traditional means of payment. Additionally, new generations of consumers are bringing with them new channel and communications preferences, new thinking and new ways of doing business. This session will highlight the profound set of changes we can expect to see in financial services, the implications for credit union leaders and the strategies they must pursue so their credit unions can remain relevant and become prevalent.

Economic Development in PhoenixPATRICIA GARCIA-DUARTE, ROBIN ROMANO AND MARK VAN BRUNTLearn more about how credit unions are becoming central to economic development efforts in the City of Phoenix and how this results in new members, more and larger lending opportunities and community presence and awareness. Robin Romano, CEO of MariSol Credit Union in Phoenix, moderates a panel that fosters housing, community facilities and business development strategies in Phoenix. Patricia Garcia-Duarte, president and CEO of Trellis Phoenix, has been helping working families in Maricopa County become financially stable homeowners for over 40 years. Ms. Garcia-Duarte will share how Boomerang Buyers, Millennials and thousands of other first time homebuyers have benefitted from pre-purchase education, counseling and services that Trellis Phoenix provides. Ms. Romano and Ms. Garcia-Duarte will be joined by Mark Van Brunt, COO of Raza Development Fund, the largest national Hispanic CDFI loan fund in the country, providing financing for hundreds of projects for low-income families in the areas of affordable housing, education and health care. Learn how these institutions have worked together to exponentially increase their value to economic development in Arizona.

Keynote Sessions

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Future of Community Credit Unions MARTIN EAKESCredit unions were formed to meet a critical gap in the market. More than 80 years ago, Congress passed the Federal Credit Union Act to make credit available and promote thrift through a national system of non-profit, cooperative credit unions. With the US economy and financial services industry shifting, the demand for responsible products delivered through cooperative structures has more appeal than ever. Hear from one of our nation’s leading advocates for financial reform on how credit unions can and should promote their member-oriented approach to banking.

How Credit Unions Build CommunitiesCATHIE MAHON Cathie Mahon, president and CEO of the National Federation of Community Development Credit Unions, will highlight opportunities for credit unions to seize the moment and become significant actors in their communities by reaching untapped markets, aligning with community development organizations, working with state and local government and becoming an intrinsic part of the fabric of communities. With millions of Americans unbanked and underbanked, credit unions have an opportunity to not only reach new potential members but to work together with the public, private and non-profit sectors to rebuild and revitalize communities. Ms. Mahon will survey the tools, technology and capital available to credit unions to make a difference, delivering financial products and services and expand their business in the process, doing well by doing good.

Rock Star Community ServiceKAYTLIN GREENLEYFeatured in the 2014 issue of Credit Union Magazine’s Rock Star Issue the story of Kaytlin Greenley and Coosa Valley Credit Union is one of community service and preaching the credit union difference. Learn how Kaytlin helps her members achieve their financial goals while achieving her professional goals, thus becoming a true credit union rock star.

Today’s Economy and the Effect on your Credit Union BILL HAMPELDuring this session Bill Hampel will help the audience understand how the global economy is impacting the U.S. economy. He will also discuss the trends for savings and loan activity and provide a review of credit unions’ earning performance. Bill will also analyze the current economy while giving credit unions some predictive measures for future trends in the industry.

Keynote Sessions

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Who Will Speak for Credit Unions?RYAN DONOVANPolitics is won by those who show up. The voices seeking to limit or eliminate credit unions are not diminishing. In the post-financial crisis world, the challenges facing credit unions seem ever increasing. Those who are invested in credit unions have the most to gain—or lose—through changes in public policy. Ryan Donovan, CUNA’s chief advocacy officer, will discuss the public policy issues affecting credit unions, the work that the credit union system is undertaking to improve the credit union charter and why it is more important now than ever for credit union executives, volunteers and members to be actively involved in credit union advocacy.

Winning is GrowingJIM NUSSLECUNA president and CEO Jim Nussle describes the critical role all of us must play in achieving our shared system vision that Americans choose credit unions as their best financial partner. He discusses the future of CUNA, the credit union movement and the importance of advocacy, cooperation and engagement across the system to fight for the best interests of our 100+ million members.

Your Community. Our Community. The Competitive Advantage.JEFF RENDELIf you’ve seen one credit union – you’ve seen one credit union. It’s the same with your community. Yet, with the diversities of credit unions – sizes, markets, members, designations, economics, and more – one characteristic is identical: your commitment to your community enhances our community, our industry—and it is a competitive advantage. As we look at ways credit unions engage in their communities, we learn more than just the societal and business benefits; we recognize the influence that developing our distinct communities has in upholding the credit union philosophy, increasing members’ financial well-being and securing the increased market share that awaits each of our credit unions. Our shared message of credit unions is flourishing and full of potential, strengthened by the individual messages of your credit union, your community development and your service to your members. Perhaps now, when one sees your credit union, he or she sees a reflection of all credit unions.

Keynote Sessions

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Breakout SessionsApproaches to Financial CounselingJUSTINE ZINKIN AND MARK LYNCHOne-on-one financial counseling is one of the most effective means of building informed, successful members and borrowers. In this session you will learn how credit unions can structure financial counseling and measure and track results on the individual’s and the institution’s financial health.

Board Leadership and Strategic Succession – Strategies from Credit Unions Like YoursJEFF RENDELMany credit union boards face the same challenge in board succession planning: how do we recruit potential board members and how might these candidates better characterize the changing faces of our credit union’s membership? The answer – and the assignment for current boards over time – is to establish, recruit, nominate, and appoint credit union members who productively represent the demographics of your member base and possess the board-designed set of skills necessary for success. This fresh add-on to board strategy helps your board continue to speak for your members and introduces innovative conventions that allow your board to grow with your credit union. Learn how credit unions of all sizes and markets successfully prepare for continuity and change with their boards.

Business Lending Within Your CommunityDALE FRANKHOUSE JR. AND TRISTRAM COFFINDoes your credit union lend to businesses? If not, you may be missing out on an opportunity to build your balance sheet and your community. As capital to small businesses contracted following the financial crisis, many credit unions discovered a key niche in becoming an important source of capital to small and medium-sized businesses in local and regional markets. Historically discouraged from making loans to businesses, more and more community credit unions are building the expertise to successfully lend to businesses, while filling a vital need in their communities. Understanding the local market provides significant advantages to small businesses over national banks and high-cost online lenders. Small business lending helps to grow a business, create and preserve jobs, make a business more energy efficient and improve cash flow. Blake Myers will lead a discussion with two accomplished business lenders and instructors to dig into the right approaches for credit unions to take in building a business lending pipeline, analyzing and underwriting a business and its management, evaluating local and regional markets and opportunities, assessing cash-flow and monitoring the ongoing operations of the business.

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The Value of the CDFI CertificationJOHN BISSELL AND TERRY RATIGANAlong with a Low Income Designation, Community Development Financial Institution (CDFI) certification is one of the most valuable tools in increasing your credit union’s capacity. This certification provides access to Technical Assistance Awards of up to $125,000 and Financial Assistance Awards of up to $2 million each year. Certification also helps credit unions attract capital from local, public and private resources. Are you one of the 2,400 credit unions without CDFI certification that has 100% of its branches in CDFI investment areas? You’ll hear how Greylock FCU and other CDFI credit unions are leveraging their certification to grow in membership, lending and impact. Attend this session to learn if the certification is right for you.

Developing an Engaged BoardRORY ROWLAND AND HELEN GODFREY SMITHA credit union board is a key ingredient to increasing an organization’s impact to its members and the community. Having the right people on the board is critical to the success of the organization. This session will explore the key components to having an engaged board, while not producing a group that micro-manages the credit union’s operations. Learn best practices for board engagement on a variety of topics including the credit union’s vision, strategic planning, advocacy, and serving your members and your community.

Emotional Intelligence in the WorkplaceLISA CARVEREmotional intelligence is fast becoming a term commonly heard around board rooms and human resource departments. Simply defined, it’s the ability to know and understand your feelings and how they affect your actions. In the workplace, emotional intelligence helps you manage your moods and reactions to make you a more effective, productive and less stressed-out employee. Emotional Intelligence assessments and training are now being implemented in many credit unions including boards. In this session you will learn the concepts and benefits, while developing a strategy of implementation.

Breakout Sessions

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Breakout Sessions Establishing and Executing a Foundation at Your Credit UnionDOUG OLSON AND ALAN BRANSONMore and more credit unions are establishing foundations to better help their membership and serve their communities. Come to this breakout and hear from two credit union practitioners that have experience with the process. This session will focus on the process of setting up a foundation, establishing goals, and best practices, with plenty of examples on how foundations can positively affect your community.

The Future of BranchesBRIAN PORTERMany experts forecasted that credit union branches could eventually become obsolete with the advances in technology and mobile banking. Reality is proving otherwise with many credit unions continuing to increase their physical presence in the community. This session will show the latest data on branch development, the latest innovations in branch design, and how trends will continue to shape credit unions’ branch strategies.

Immigrant Financial InclusionWINONA NAVA AND MIRIAM DE DIOSImmigrants are a vibrant, dynamic part of the US economy and present a tremendous, largely untapped market for credit unions. The Federation and Coopera have launched a national campaign to reach unbanked and underbanked immigrants with credit union products linked to immigration and legalization efforts. Credit unions, local governments, non-profits and the Citizenship and Immigration Services have met in New York, Texas, California and Florida. This joint effort is leading to the development of new products specifically designed for credit unions to help fund immigrant’s immediate needs while laying the groundwork for future financial well-being. Attend this session to learn how you can become part of this growing financial inclusion network and better serve immigrants in your community.

Innovative Products and Strategies for the UnderbankedPAUL GRINDE, DAVE PROSSER AND STEVE ZUCKERMANCredit unions have developed products and services that successfully meet the unique financial needs of underbanked consumers. Safe and affordable small dollar loans have been particularly effective in providing an alternative to high-

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Breakout SessionsDescription continued...

cost predatory lenders, but they’re not easy to make work. How can credit unions effectively reach individuals and families when they haven’t historically felt comfortable with banks and credit unions? What can credit unions do to create a culture that can effectively serve these families? Learn how innovative new products and service models tested in credit union environments are helping low-income consumers connect with the financial mainstream, build their credit scores and begin a path of better economic stability and asset building.

Innovations in PaymentsRYAN ZILKERPayment systems for credit unions are changing because the behavior of our members is changing, with an increasing emphasis on anytime, anywhere access to accounts and payment capabilities. This session will discuss how mobile and ecommerce is shaping the future of payments. The session will also focus on how credit unions can use payments to expand their membership overall and help the underbanked community.

Loan Growth Strategies: Developing Partnerships within the CommunitySTEVE BARBIER AND JUDITH COWDENCommunity Development Credit Unions (CDCUs) are experts at connecting with community partners to expand their outreach and better serve members. Though many credit union partnerships exist to provide support services to members or the community, there are partners that can help credit unions increase loan volume. This session will illustrate how a partnership with organizations that provide financial education, counseling, and home buying coaching can be a win for your credit union.

Managing RiskCINDY WILLIAMS AND LARRY FAZIOCommunity credit unions specialize in lending to low- and moderate-income consumers. Our goal is to manage risk, not minimize it. An estimated 56% of American consumers have less than ideal credit. Lending to credit challenged consumers, when properly managed, benefits both the credit union and consumers. Learn how community credit unions are successfully managing risk, which is allowing them to say “yes” to credit challenged consumers who might otherwise turn to payday and other fringe lenders.

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Breakout Sessions

Models for CollaborationSHEILAH MONTGOMERY, RICHARD DINES, W. KENT HARTZLER AND MARK CUMMINSCollaboration benefits both large and small credit unions and our industry as a whole. Most often credit union partners are looking to benefit from each other’s expertise to reduce expenses or grow effectively. This session takes you beyond the philosophical discussion of the benefits of collaboration to the specifics of identifying shared solutions and finding a partner with complementary skills sets. Learn more about two new collaboration initiatives, rFaith Network and My Credit Union Mentor. This session will also feature the results of research by the Filene Institute showing the tremendous economic benefits that credit unions gain when collaborating with other types of cooperatives. The study proves the business case for credit unions to build relationships with cooperatives that share a core set of principles with them.

Reaching the Subprime Lending Market - How to Make it True Win-Win!STEVE HOKEWe hear a lot these days about the subprime auto market (FICO score below 650) and how it has been growing in loan value in recent years. Almost $1.50 of every $10 in auto loans in the US is with subprime borrowers. 28% of new vehicle loans made in Q1 were to subprime borrowers. There is a lot of predatory lending going on, where subprime borrowers are paying 16-25% on auto loans – it’s like putting a car on a credit card. This session combines current auto buying trends with ideas on how credit unions can serve subprime borrowers better, while responsibly dealing with the additional risk. We will cover effective strategies for credit unions to reach this market including marketing approaches that really get results.

The Role Millennials Play in the Credit Union MovementHOLLY ARTERThis session will discuss the role Millennials play in the credit union movement, including how credit unions can fully embrace this generation. Learn techniques to attract Millennials as members and create an internal atmosphere where this generation can succeed as employees.

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Breakout SessionsUtilizing Data Analytics to Grow Your Memberships and Serve Your Community JASON MILESKO Big Data and data analytics have been buzz words now in the credit union industry for a few years and are being used in many different areas of credit union including marketing, IT, finance, operations, among others. Data Analytics can also be used to help credit unions grow their membership while learning valuable information about the community you’re located in. In this session you’ll gain valuable insight about ways to gather data and discuss strategies on utilizing this data to make organizational decisions.

Utilizing Social Media to Grow Your Membership and Serve Your CommunityRYAN BELLSocial media is a widely popular way of communicating today and most of us interact with it on a regular basis. While the majority of us use social media for personal interactions, many credit unions are getting in on the trend too. Social media represents an excellent way to connect with prospective members. This session will focus on social media techniques credit unions can utilize to grow their membership and serve the underserved community.

Writing Loans for the Credit ChallengedCINDY WILLIAMS AND RANDY THOMPSONServing underserved consumers and communities can prove challenging to credit unions of all sizes if they don’t understand the market or don’t have the strategies in place to cover the expenses for the services they provide. This session is designed to help you develop a loan program that serves credit-challenged consumers that is sustainable, priced correctly and monitored appropriately. Learn the elements of a pricing strategy that goes beyond matching the rates of the competition, increases yield and is complaint in today’s regulatory environment.

Young Professionals: Making a Real Impact in Credit Union CommunitiesJAMES MARSHALL, CHRISTOPHER CURRY, DANIELLE BUSCHER AND RACHEL BARKERFollowing Crash the GAC 2015, the ‘Crashers’ were challenged to make real change and impact in their credit unions, states and communities based on what they learned in Washington D.C. Come and hear the story of how the 2015 GAC Crashers implemented what they learned at their credit unions and how they made a difference; with tips, hints and takeaways for you to implement at your own credit union.

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RYAN DONOVAN As chief advocacy officer at Credit Union National Association (CUNA), Ryan Donovan is responsible for the development and implementation of the CUNA’s legislative, regulatory and state government advocacy efforts. In recent years these efforts have proven successful in reducing credit unions’ regulatory burden and protecting them from legislative proposals which would make it more difficult for them to serve their members. Ryan joined CUNA as vice president - legislative affairs in September 2007, and was promoted to senior vice president in September 2011 and to chief advocacy officer in January 2015. Prior to joining CUNA, he worked for the California and Nevada Credit Union Leagues as director of federal government affairs. Ryan also served as a member of the Congressional staffs of Representative Brad Sherman (D-CA) and former House Democratic Leader Richard A. Gephardt (D-MO).

DANIEL DODD-RAMIREZDaniel Dodd-Ramirez is the CFPB’s assistant director of financial empowerment in the Bureau’s Consumer Education and Engagement Division. Daniel previously served as the executive director of Step Up Savannah Inc. in Savannah, Ga., from 2005 to 2014. Prior to Step Up, Mr. Dodd-Ramirez served as education project director and community organizer for People Acting for Community Together (PACT) in Miami, Florida.

MARTIN EAKESMartin Eakes is co-founder and CEO of Self-Help and the Center for Responsible Lending. He holds a law degree from Yale, a master’s from the Woodrow Wilson School of Public Affairs at Princeton, and a bachelor’s degree from Davidson College. A native of North Carolina, Martin is a nationally recognized expert on development finance and has been honored by the John D. and Catherine T. MacArthur Foundation as a MacArthur Fellow for his work. In 2009, his commitment to responsible lending was honored by the Opportunity Finance Network, which presented him with the Ned Gramlich Lifetime Achievement Award for Responsible Lending. A leader in U.S. community development finance and policy, Martin currently serves on the Ford Foundation Board of Trustees, the Bank of America National Community Advisory Council, Institute for Minority Economic Development, and Fannie Mae Affordable Housing Advisory Council.

*All speaker descriptions are up-to-date through August 20, 2015. Please refer to the app for real-time updates.

Keynote Speakers*

PATRICIA GARCIA-DUARTE Patricia Garcia-Duarte is the president and CEO of Trellis, a not-for-profit organization dedicated to the creation of stable homes and communities by providing housing education and counseling, building and lending. She was formerly at Chase as the Arizona manager for the Community Department Group. She was responsible for helping the bank invest in communities to support the bank’s requirements under the Community Reinvestment Act (CRA).

KAYTLIN GREENLEY Kaytlin Greenley of Coosa Valley (Ga.) Credit Union has excelled at a variety of credit union jobs. At the moment, Greenley is excelling as the assistant manager for marketing. She’s a credit union evangelist, educating current and prospective members about the difference between credit unions and other financial institutions. She’s worked an assortment of jobs during her 10 years at Coosa Valley, starting as a part-time teller, advancing to full-time teller, and then to member services, loan processing, administrative assistant, marketing assistant, and her current post, as assistant manager for marketing. She ascended to that position in August and sees it as another stepping stone on her path to CEO.

BILL HAMPELBill Hampel is chief policy officer and chief economist for CUNA. He joined the department as an economist in 1978 and was promoted to vice president in 1985. He was appointed senior vice president in 1992. Until 1997, Bill was based at CUNA’s Madison offices. Since then he has worked out of CUNA’s Washington DC offices. Before joining CUNA, Bill was an assistant professor of Economics at the University of Montana at Missoula. Before that he was an Instructor of Economics at Iowa State University at Ames. He has a Ph.D. in Economics from Iowa State. Bill served as a staff member at Navy Federal Credit Union in Virginia during a one-year sabbatical in 1989-90, where he studied credit union operations and carried out a variety of consulting projects. He has served on the board of directors of CUNA credit union since 1991, chairing the board from 1999 to 2001. He currently serves on the board of the National Cooperative Bank.

Keynote Speakers

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CATHIE MAHON Cathie Mahon, president and CEO of the Federation, oversees all of the Federation’s programmatic and investment activities. Ms. Mahon is committed to continuing the Federation’s role of bridging the credit union movement to the community development field, promoting financial inclusion and identifying and connecting credit unions to unserved and untapped markets and communities. Ms. Mahon most recently served as deputy commissioner at the NYC Department of Consumer Affairs where she started and led New York City’s Office of Financial Empowerment (OFE). OFE was the first initiative of Mayor Michael R. Bloomberg’s anti-poverty efforts and was the first local government initiative in the nation with a mission aimed expressly at helping to educate, empower and protect low income residents to help them make the most of their financial resources. Ms. Mahon was a co-founder of the Cities for Financial Empowerment Coalition and Fund, and has worked to integrate financial capability programming into municipal service delivery systems. Prior to joining the Department, Ms. Mahon worked as a private consultant on issues of community development, financial empowerment and asset building, launching and directing the Asset Funders Network and serving as a lead researcher for the Aspen Institute Economic Opportunities Program.

JIM NUSSLE Jim Nussle is president and CEO of the Credit Union National Association (CUNA). Jim is a former nine-term congressman and director of the White House Office of Management and Budget for President George W. Bush. He served in the U.S. House from 1991-2007 as a Republican representative for Iowa’s 1st and 2nd congressional districts. From 2001-06, he served as chairman of the House Budget Committee, a key panel which oversees the federal budget process, including review of all bills and resolutions on the budget. The panel also monitors agencies and programs funded outside of the budgetary process.

ROBIN ROMANORobin Romano currently serves as CEO of MariSol Federal Credit Union, a Community Development Financial Institution in Phoenix, Arizona. She is proud to work for MFCU for over 16 years given that her prior work experience was with NCUA as a Principal Examiner for over 7 years.

Keynote Speakers

Keynote SpeakersJEFF RENDELWith experience as a federal regulator, financial executive and Congressional lobbyist, Jeff knows business and, especially, the financial services marketplace. As president of Rising Above Enterprises, Jeff works with financial services providers that want elite results in leadership, sales and strategy. His company researches, synthesizes and articulates indispensable achievement elements to help corporations profit – financially and inside their corporate culture – in their pursuit to fulfill their missions and strategic endeavors. As a federal regulator with the Office of the Comptroller of the Currency, Jeff examined a wide array of the nation’s banks. He continues to work with members of the House of Representatives and Senate helping them understand the business implications that legislation has upon the financial services industry. Many members of Congress regard him as their point of first contact when issues regarding financial institutions arise.

MARK SIEVEWRIGHT As president, Credit Union Solutions at Fiserv, Mark Sievewright leads a 2,000-person team across 20 locations in North America offering technology solutions that process data and information for one-third of U.S. credit unions and a growing number of international clients. In addition, he directs the innovation, development and distribution of value-added financial industry solutions. Within the credit union movement, Mark has worked closely with numerous credit unions and state leagues as well as national and international associations such as CUNA and the World Council of Credit Unions (World Council).

MARK VAN BRUNTMark Van Brunt is COO of the Raza Development Fund, a CDFI sponsored by the National Council of La Raza to provide community development lending and assistance to its nationwide affiliate network of Latino organizations and others who serve the Latino population. In operation for 10 years, the Fund specializes in community facility lending, especially charter schools.

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For social media and app assistance, pease visit the registration area.For social media and app assistance, please visit the registration area.

DOWNLOAD THE CCUCFED2015 MOBILE APP

Make the most of your conference experienceby using the official CCUCFED2015 app!

The FREE app allows you to:1. Make connections with attendees and exhibitors2. Learn more about speakers and sessions3. Stay informed on changes and up-to-the-minute information4. Access restaurant, exhibit hall and fast food maps

Download the CCUCFED2015 app today by visitinghttp://ddut.ch/ccucfed

ccuc.cuna.org

For social media and app assistance, pease visit the registration area.For social media and app assistance, please visit the registration area.

HOLLY ARTERHolly Arter is director of media and planning at Third Degree and is a top-notch negotiator who connects media strategies with bottom line results. She has a passion for research, and turning that data into ways of connecting brands and consumers. Her experience ranges from handling budgets of a few thousand dollars in small, rural markets to managing high-profile national media with budgets in excess of $200 million. Holly’s expertise as a market analyst has benefited brands such as Hardee’s, Coca-Cola, Sonic, and numerous credit unions. In addition to strategic media placement, Holly specializes in long-term planning on behalf of credit unions all across the country.

STEVE BARBIER Steve Barbier has over 30 years experience in affordable housing and has been a relationship manager with Neighborhood Reinvestment Corporation DBA/NeighborWorks America® since 1991. Since joining NeighborWorks America, Mr. Barbier has been the lead staff member in the organizational development of the Rocky Mountain Communities, the Navajo Partnership for Housing, Inc., and the formation of the statewide Wyoming Housing Network, Inc.

RACHEL BARKER Rachel Barker is the director of branch operations at Holy Rosary Credit Union (HRCU) in Kansas City, MO. She began her financial services career at Wells Fargo Bank in 2010. In 2012 she had the opportunity to join HRCU as an AmeriCorps VISTA to develop the business services program offered by the credit union. After a year of service, Rachel remained as a full-time employee beginning as the business services officer and then transitioned to director of branch operations at the beginning of 2015. Her duties include branch oversight, expansion opportunities, lending, and business services. She completed the Cooperative Finance Leaders for America (CFLA) through the National Federation for Community Development Credit Unions in 2014. She was selected as the Missouri representative for ‘Crash the GAC’ in 2014. In her local credit union environment she is the secretary for the Kansas City Chapter of Credit Unions & a member of Women’s Association of CU Leaders.

Breakout Speakers

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RYAN BELLRyan Bell is CEO of GREMLN Inc., a social media regulatory compliance software company, based in St. Louis, MO. Ryan is a serial entrepreneur and social media enthusiast who has over 17 years of experience in software product management, design, and development. He is dedicated to finding safer ways for businesses to collaborate and share ideas through technology. He considers it his personal responsibility to promote the merits of social media to the financial services industry and how the industry can seize the opportunities provided, while maintaining security and compliance.

JOHN BISSELL John Bissell is the executive vice president of Greylock Federal Credit Union, a $1 billion financial institution with 12 branches throughout Berkshire County, Mass. John worked with a team of Greylock managers and consultants to earn Community Development Financial Institution (CDFI) status from the US Treasury, enabling Greylock to increase its capacity for lending to people of low to moderate income. John’s passion for helping underserved communities extends into his volunteer work as well. In 2012, John co-founded Pittsfield Promise, an early literacy initiative. He currently leads the 1Berkshire Initiative for Growth, focused on achieving sustainable growth in Berkshire County.

ALAN BRANSON Alan Branson is executive vice president and chief operating officer for the Hope Enterprise Corporation and Hope Credit Union (HOPE) with responsibility for the company’s business lending, mortgage lending, retail branch network, and community and economic development activities including New Markets Tax Credit and Low Income Housing Tax Credit projects. HOPE bolsters its impact through policy analysis and advocacy in the areas of financial inclusion, family economic security and other issues that affect low-wealth and traditionally disenfranchised individuals.

Breakout Speakers

DANIELLE BUSCHERDanielle Buscher started in credit unions in college, she worked for her local credit union for a year (2005) before moving away for school. In 2007, Danielle graduated from school and moved to St Louis. The job market was pretty rough, so in 2008 Danielle went back to work as a teller. She was a teller at St Louis Community Credit Union for about 4 months before being promoted to member services. In June 2009, Danielle was promoted to the training department, where she stayed until 2014. During that time Danielle also received her CPLP (Certified Professional of Learning and Performance) from the American Society of Training and Development Certification Institute. In January 2014, Danielle was asked to join West Community Credit Union to build their learning and development department. Working for West Community has been an amazing experience for her and has introduced Danielle to awesome resources, such as the Cooperative Trust, and allowed her to start a group for credit union trainers in the St Louis area.

LISA CARVERLisa Carver is the president of Moxie Consulting, Inc. a human resources consulting firm located in Little Rock, AR. Lisa has worked as a training manager for the City of Plano, the vice president of business education for two business units at CitiCapital and as the director of alumni relations for Texas Woman’s University. As a consultant, she currently works with diverse organizations including Kimberly Clark, City of Midlothian, Pulaski County, PepsiCo, Walmart and the U of A Criminal Justice Institute. Lisa has designed and facilitated employee development and management/leadership training since 1988. Her consulting services include employee assessment, instructional design, facilitation, professional coaching and Police/Fire Assessment Center Prep. She has a broad range of employee development experience and has worked with all levels of employees, volunteers and elected officials.

Breakout Speakers

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TRISTRAM COFFINTristram Coffin is the chief executive officer of Alternatives Federal Credit Union, a Community Development Financial Institution (CDFI) in Ithaca, New York. Since his arrival in 2007, he has led Alternatives through a period of growth and increased financial stability, sustaining the organization’s mission of serving the underserved and expanding its innovative community service programs. Alternatives was selected as Community Credit Union of the Year by CUNA in 2014, and has been named Small Business of the Year by the Tompkins County Chamber of Commerce.

JUDITH COWDENIn her 24-year communications career, Judith has directed integrated marketing strategies to drive awareness and growth for a wide array of initiatives, projects, and clients in diverse industries. In her current role as vice president of member Relations and Marketing for AmeriCU Credit Union, she provides senior oversight of strategic marketing, advertising, research, public relations/external affairs, and membership. Her goal is to develop communications strategies and tactics that support the building of beneficial and lasting member relationships, the organization’s brand, corporate citizenship, and the achievement of strategic goals for the $1.3B Credit Union, which is among the top 2% in the U.S. She and her team have helped to drive some of the best member satisfaction, awareness, and growth in membership, deposits, and loan production results in the organization’s 65-year history.

MARK CUMMINSMark Cummins is president & CEO of the Minnesota Credit Union Network. The Network is the state wide trade association for Minnesota credit unions, working to ensure a positive public environment for credit unions to grow and thrive. Nationally, Cummins serves on the Board of Directors of CUNA Strategic Services and the American Association of Credit Union Leagues, CULAC Executive Committee, and chair of CUNA’s Cooperative Alliance Committee. Prior to joining the MnCUN, he was president and CEO of White Crown Federal Credit Union in Denver, Colo., for 13 years. During his tenure in Colorado, he served as the Colorado Credit Union Association Vice Chairman. He also spent time on the Credit Union Indirect Lending Association Board, the CUES Rocky Mountain Council Board, and the Suncorp Corporate Credit Union Board.

Breakout Speakers

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CHRISTOPHER CURRYChristopher Curry currently serves as the compliance and eevelopment manager at Hawaii First FCU on the Big Island of Hawaii. Chris is a recent graduate of Western CUNA Management School where he received both High Honors and the Rick Craig Award of Excellence for work on his comprehensive year-two project. Chris and his supportive wife Heather recently had their second boy, Dustin (born only two days after returning from WCMS!) and has enjoyed spending each day with him at the office through Hawaii First FCU’s Infant At Work Program (a program at the Credit Union that allows it’s employees to bring their newborns to work for up to six months).

MIRIAM DE DIOSAs CEO of Coopera, Miriam promotes Coopera’s approach to serving Hispanics throughout the credit union industry. This comprehensive approach has helped credit unions and credit union industry organizations position themselves for long-term growth by serving Hispanics. Miriam has significant experience working in the financial services industry, having worked with State Farm Insurance Companies and John Deere Financial. Miriam has also served as a board member of various Hispanic-serving non-profit organizations in the Des Moines area and is a former English as a Second Language Adjunct Professor for Des Moines Area Community College. Miriam is a 2012 recipient of the World Council of Credit Union’s Young Credit Union People Program (WYCUP) award, a member of the World Council of Credit Union’s Global Women’s Leadership Network and a former board member of the Network of Latino Credit Unions and Professionals.

Breakout Speakers

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RICHARD DINES Richard Dines is AVP for System and League Engagement for CUNA. Prior to joining CUNA, he was vice president for Mission Banking at the National Cooperative Bank (NCB), a financial institution serving cooperative businesses. In this position, he managed cooperative development programs, efforts to serve low-income populations, charitable activities and environmental sustainability projects. Before working at NCB, he worked at the National Cooperative Business Association (NCBA) for eleven years. At NCBA, he coordinated membership recruitment and retention, conferences, public policy advocacy, and .coop domain name sales. He has also worked for the City of New York in the Department of Housing Preservation and Development.

LARRY FAZIO Larry Fazio joined NCUA in 1991 as an examiner in Chicago. During his career with NCUA, Larry has served as a supervision analyst, a supervisory examiner in Detroit, the director of supervision in the Chicago regional office, the director of risk management in the office of examination and insurance, the deputy director of the office of examination and insurance, and NCUA’s deputy executive director. In June 2011, Larry was selected as the director of the office of examination and insurance. He is responsible for providing leadership over the agency’s examination and supervision program.

DALE FRANKHOUSE JR.Dale Frankhouse, Jr. has 28 years of real estate experience including the past 23 years in lending management at Sun Federal Credit Union, a $440 million asset credit union that serves more than 30,000 members in Toledo, OH and Philadelphia, PA. Dale has played a key role in the growth and development of the credit union’s lending program. Dale currently leads Sun Federal’s business services program which he launched in 2008.

Breakout Speakers

Breakout Speakers

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PAUL GRINDE Paul Grinde is a proven team leader with a special passion for providing financial services for those of low wealth and the unbanked. He recognizes that to accomplish that in the long run, the entire organization must be financially strong and efficient. Starting in 1996 through 2012 as executive vice president, Paul was responsible for all retail functions of CoVantage Credit Union which grew rapidly to $1 billion. Paul’s duties are now devoted to community development managing Community Development Financial Institution (CDFI) and low income programs of the credit union. He is responsible for obtaining and maintaining certification, identification of grant or partnership opportunities, grant applications, execution of the approved programs, and grant reporting.

HELEN GODFREY SMITH Helen Godfrey Smith is president and CEO of Shreveport Federal Credit Union, a Community Development Financial Institution that serves the needs of small business owners. She’s been with Shreveport FCU since 1983 and the financial institution has grown to serve over 25,000 members with just over $106-million in assets, five branches in Louisiana (three in Shreveport, one in Grambling and one in Bastrop) and three branches in Mississippi (Marks, Clarksdale and Batesville) as well as, two full service Business and Financial Empowerment Centers (Shreveport and Marks).

W. KENT HARTZLER W. Kent Hartzler, president and CEO of Everence Federal Credit Union, has 17 years of retail banking experience. Previously, he served as vice president of lending & business development providing leadership to credit administration and marketing activities at the credit union.

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STEVE HOKE Steve Hoke is the director for CUNA Mutual Group’s Loan Generation Marketing product line. In this role, he is responsible for the overall business strategy, product management, execution and financial results for the product line. Throughout his CUNA Mutual Group tenure, Hoke has been associated with a number of lending related product successes. He led a team of nine project managers who were responsible for implementing payment protection and other products for CUNA Mutual Group’s customers.

MARK LYNCH Mark Lynch has been a credit union member for 39 years and a credit union board director for 22 years. Since moving to the U.S. from Australia ten years ago, Mark has delivered more than 500 presentations to credit union conferences in 48 states, predominantly on issues relating to growth strategies, board governance, credit union philosophy, serving the underserved and taxation. For the last 8 years, Mark has worked as a field coach with the National Credit Union Foundation’s REAL Solutions Program to help credit unions develop programs and services aimed at low wealth households.

JAMES MARSHALLJames Marshall is the manager of The Cooperative Trust at Filene Research Institute. The Cooperative Trust is a community of young people who work in credit unions and cooperatives founded by Filene, with over 800 members worldwide. He focuses on bringing sustainability and longevity of the Trust as well as increasing its profile as it moves into the next stages of development. James’ other area of focus at Filene is young adult research. Looking at the challenges that face credit unions when it comes to young adults as members, volunteers and employees. Before joining Filene and the Trust, James was the head of marketing at Plane Saver Credit Union in London, one of the largest credit unions in the UK. Working on a variety of projects, in his 4 years at Plane Saver, James helped grow membership by 25%, whilst completely rebranding the organization and implementing a new strategic direction.

Breakout Speakers

JASON MILESKOJason Milesko is the founder of Milesko Enterprises, an advisory services firm focused on delivering clear, fact-based, and consumer-focused solutions to businesses to enable them to realize their full potential. Prior to starting Milesko Enterprises, Jason started the Impact Group at the Filene Research Institute, helping credit unions refocus their strategies and capitalize on promising new ideas.

As a leading strategist for financial institutions, Jason brings 17 years of international and domestic advisory, transactional, and private equity investing experience that help companies leverage market research and their own data to immediately increase performance.

SHEILAH MONTGOMERY Sheilah Montgomery recently retired as president and CEO of Credit Union of Atlanta, where she provided vision and leadership, managed a multi-million dollar budget, served a diverse member base and facilitated a merger to bring more financial products and services to the Atlanta Public School System. She effectively guided the Credit Union of Atlanta from a negative income position to a positive net income of approximately half a million dollars. For almost four decades, Sheilah has been advancing the mission of the credit union movement as a “servant leader”, while increasing the economic viability of individuals and communities. Sheilah collaborated with several of the most influential credit union executives across the country to establish the African-American Credit Union Coalition (AACUC). As a founding member, Sheilah served as the first chairwoman of the board and helped shape the organization’s identity, brand, and leadership.

Breakout Speakers

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WINONA NAVAWinona Nava is president and CEO of Guadalupe Credit Union and has served the credit union industry in many roles, including board positions for the Credit Union National Association (CUNA) and National Credit Union Foundation (NCUF). Winona currently serves as the CUNA Audit Committee Chair and in the past, has served as Chair of the CUNA Hispanic Outreach Committee and on the World Leadership Development Committee. Since 2000, Guadalupe Credit Union has been focused on meeting the needs of the immigrant population and determined that immigration status would not affect membership eligibility at Guadalupe CU. The credit union began its outreach to immigrants by offering remittances, SAFE accounts and shared secured loans and the credit union’s bicultural, bilingual staff builds trust through relationships, serving a predominantly Hispanic membership. Guadalupe Credit Union has four branches with assets of $136 million and is a Federation member.

DOUG OLSONDoug Olson has been a member of Royal Credit Union for over 30 years and has served on the Board of Directors since 1995. He is currently chairman of the board, chair of the compensation and governance committee and the political action committee, and is also a Certified Credit Union Volunteer (CCUV). Doug’s vision for Royal follows the principles of Democratic Member Control, Members’ Economic Participation and Concern for the Community. Lastly, Doug was the director of Community Relations at Chippewa Valley Technical College but is now retired.

Breakout Speakers

BRIAN PORTERBrian Porter joined Diebold in 2012. He has more than two decades of successful sales, marketing and management experience in the financial services sector. Porter works with financial institutions to help develop a clear direction and strategy for their branch channel as they navigate changes in the market.Prior to joining Diebold, Porter was sales/marketing consultant to De La Rue in Western Europe. He was responsible for helping the European sales force with account management and speaking on behalf of U.S. operations with European banks. He also served as vice president/key account manager at De La Rue where he was responsible for the WAMU account, De La Rue’s largest account worldwide.

DAVE PROSSERDave Prosser is the senior vice president of community development at Freedom First Credit Union, where he has worked since 2004. Dave has been employed in the financial industry for the past 25 years, with 10 years devoted to consumer and mortgage lending. In his role, Dave oversees impact banking projects and services, affordable housing programs, vehicle ownership programs for low income households, financial education and credit counseling, project funding development, and grant funding.

Breakout Speakers

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TERRY RATIGAN Terry Ratigan, senior development consultant, leads the Federation’s fundraising efforts and plays an important role in program development, training, technical assistance, managing the Federation’s Housing Counseling Network and the Federation’s advocacy work. He is also a member of the CU Breakthrough consulting services team, providing expertise on CDFI certification, recertification, grant writing and strategic planning CDCUs around the country. In 2008, Mr. Ratigan developed the Emerging Markets Review (EMR), an analytical tool that helps credit unions to grow by expanding services throughout their field of membership. In 2009 he developed a statistical random sampling methodology for target market analysis that has helped to double the number of CDFI certified credit unions. This breakthrough methodology also served as the basis for NCUA’s 2011 revision of the Final Rule on Low Income Designation and the 2012 CDFI Fund guidance on target market analysis for CDFI certification. Prior to joining the Federation, Terry worked in community development overseas as a senior manager for CARE in Bangladesh and Mozambique and as a Peace Corps Volunteer in Sierra Leone.

RORY ROWLANDRory Rowland has presented his energetic and humorous programs in all 50 United States as well as Canada and Mexico over the past 10 years. He is one of the highest rated speakers at national and state association conferences all over North America. Rory helps organizations focus on the best so they can be the best. The Top 100 CU.com’s company motto is “We analyze the best to help the rest.”

RANDY THOMPSON Randy Thompson is a business and financial consultant with over 33 years of experience in both public and private sectors. Technical skills include statistical analysis, commercial lending, strategic planning, ALM modeling, budgeting, staff recruiting, managing at organizational- and department-level, marketing, and public relations. He received the 2013 Kim Bannon Eternal Flame award from the California Credit Union League. The award acknowledges service and support to credit unions.

Breakout Speakers

Breakout Speakers

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CINDY WILLIAMSCindy Williams is responsible for leading and overseeing all of PolicyWorks’ compliance partnerships, delivery of compliance solutions to credit unions/leagues, and new product development. She also assists credit unions with strategic compliance program management. Before joining PolicyWorks, Cindy was responsible for creating, implementing and managing regulatory compliance programs for financial institutions of various sizes for over 20 years, and is a frequent speaker at national conferences and workshops. In addition, she also has experience in the areas of risk management and internal audit.

RYAN ZILKER Ryan Zilker joined CO-OP Financial Services in December 2010 and is a business manager of product development for the company. He previously worked for nine years as vice president of sales and marketing at American First Credit Union of La Habra, Calif. His more than 15 years of marketing executive experience includes driving all aspects of organizational marketing, business development and promotions to maximize sales revenues, clientele and bottom-line profitability.

JUSTINE ZINKINJustine Zinkin oversees Neighborhood Trust Financial Partners and Neighborhood Trust Federal Credit Union. These partner organizations pursue a shared mission of economic opportunity for low-income families through a signature package of affordable financial products and financial advisory services tailored to help low-income families improve their net worth and pursue long-term financial goals. Ms. Zinkin joined Neighborhood Trust in 2002 upon earning her MBA from Columbia Business School. Ms. Zinkin has over 20 years of experience in not-for-profit and community development work. She served as director of economic independence programs at the New York City Department of Housing Preservation and Development from 1999 to 2001, and served as director of workforce development at Common Ground Community HDFC from 1995 to 1999.

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Breakout Speakers

STEVE ZUCKERMANSteve is managing director of Self-Help’s California operations and president of Self-Help Federal Credit Union. After working for Self-Help several years after its founding in 1980, and serving on its board for most of the next 20 years, Steve rejoined Self-Help in 2006 to launch its California efforts in Oakland. In 2008, he led the formation of Self-Help Federal Credit Union which now has assets over $600 million and serves more than 65,000 mostly low-income members through 23 branches throughout California and southwest Chicago. Nationally, Self-Help is a leading Community Development Financial Institution (CDFI) with assets of almost $2 billion that, since its founding, has invested $6.8 billion in 102,000 families, individuals, businesses and non-profits.

CORP-1103847.2-0215-0317 © CUNA Mutual Group, 2015 All Rights Reserved.

Serving members is what you do. And we’re committed to helping

you do it. Contact your CUNA Mutual Group sales executive today at

800.356.2644 or visit www.cunamutual.com.

MEMBERS HOPE. CREDIT UNIONS DELIVER.

CUNA MUTUAL GROUP SUPPORTS.

42CORP-1103847.2-0215-0317 © CUNA Mutual Group, 2015 All Rights Reserved.

Serving members is what you do. And we’re committed to helping

you do it. Contact your CUNA Mutual Group sales executive today at

800.356.2644 or visit www.cunamutual.com.

MEMBERS HOPE. CREDIT UNIONS DELIVER.

CUNA MUTUAL GROUP SUPPORTS.

Join us on September 24 for a tour of economic development in Phoenix and a site visit to MariSol FCU, 234 North Central Avenue, Phoenix, AZ 85004.

The 45 minute tour of Phoenix will take participants past Grant Park, Hope V Affordable Housing, Roosevelt Row and the Arizona Center. The tour includes a site visit to MariSol Federal Credit Union, a CDFI certified credit union serving the low- and moderate-income residents of Maricopa County since 1954.

From MariSol, participants will travel on to the Security Building for a reception from 6:00 - 7:30 p.m. with a Southwest flavor, including locally sourced craft beers and wine.

Bus service will be leaving from the Sheraton Downtown Hotel Front Lobby at 4:30 p.m. For those not participating in the tour, bus service will be leaving from the Front Lobby at 5:45 p.m.

MariSol Federal Credit Union Tour

September 24SITE VISIT 4:30 - 6:00 p.m. RECEPTION 6:00 - 7:30 p.m. at the Maricopa County Security Building

Sponsored by Downtown Phoenix Inc.

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Platinum Sponsors

Sponsors

CUNA MUTUAL GROUPCUNA Mutual Group was founded in 1935 by credit union pioneers and our commitment to their vision continues today. We offer insurance and protection for credit unions, employees and members; lending solutions and marketing programs; TruStage™ branded consumer insurance products; and investment and retirement services to help our customers succeed.

CUNA Strategic ServicesCUNA Strategic Services develops strategic alliance relationships to offer quality products and services to your credit union that contribute to your bottom line, add to your peace of mind, and enhance your relationships. The company is jointly owned by Credit Union National Association and the state leagues. Visit us at cunastrategicservices.com.

CO-OP FINANCIAL SERVICES Based in Rancho Cucamonga, Calif., and founded in 1981, CO-OP Financial Services is the nation’s largest credit union service organization in terms of number of credit unions, assets and members. The company helps credit unions thrive by providing products and services that make it more convenient for members to do business with them. With a motto of “Be There. Be More.” CO-OP’s products fall into three business lines, including “Locations,” (ATM, shared branching and call center services); “Card Payments” (debit and credit processing) and “Mobile/Virtual” (mobile, online, check imaging, bill pay services). To learn more visit www.co-opfs.org

Silver Sponsors

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VISA INC.Visa Inc. (NYSE:V) is a global payments technology company that connects consumers, businesses, financial institutions, and governments in more than 200 countries and territories to fast, secure and reliable electronic payments. For more information, visit usa.visa.com/about-visa, visacorporate.tumblr.com and @VisaNews.

BALANCE BALANCE offers the best quality, most user-friendly financial education, financial wellness, housing and debt counseling services in the industry. Flexible to meet the needs of large, highly-sophisticated credit unions as well as smaller institutions, our products and services can be completely turnkey, or fully customized for your credit union.

DOWNTOWN PHOENIX INC. DOWNTOWN PHOENIX INC. (DPI) was established to attract more businesses, residents and visitors to downtown Phoenix. Created in 2013 as a community development group, DPI promotes the continued revitalization of downtown. A collaboration between businesses, City of Phoenix leadership and community groups, DPI coordinates activities between the Downtown Phoenix Partnership, Phoenix Community Alliance and Downtown Phoenix Community Development Corporation. DPI and its affiliate organizations are committed to making Phoenix a vibrant urban destination and one of the nation’s great cities.

Sponsors

Contributing Sponsors

Silver Sponsors continued...

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EVERENCEEverence helps individuals, organizations and congregations integrate finances with faith through a national team of advisors and representatives. Everence is a Christian-based, member-owned financial services organization that offers banking, insurance, asset management and other financial services with community benefits and stewardship education. Everence is a ministry of Mennonite Church USA and other churches.

MEMBER FIRST MORTGAGE Member First Mortgage (MFM) is a multi-Credit Union owned CUSO specializing in origination and servicing/subservicing of first mortgages and fixed-rate seconds. MFM offers: Full suite of conventional & government products, in-house processing and underwriting, free & easy online application, in-house servicing, customizable servicing solutions, compliance risk reduction, expert default management.

NATIONAL COOPERATIVE BANKNational Cooperative Bank (NCB) provides banking products and services to cooperative organizations nationwide. Given our shared mission, values and cooperative roots, NCB works closely with credit unions, Leagues and CUSOs providing depository and cash management solutions as well as funding solutions and asset sale opportunities. NCB also works closely with the National Credit Union Foundation offering the CIF with NCB and the National Federation of Community Development Credit Unions.

Contributing Sponsors continued...

46

AFRICAN AMERICAN CREDIT UNION COALITION The African-American Credit Union Coalition (AACUC), is a non-profit organization of African-American professionals and volunteers in the credit union industry. Our mission is to increase the strength of the credit union community through Advocacy, Professional Development and Diversity. We provide mentorship to individuals and credit unions, scholarships for educational opportunities to credit union professionals and promote awareness of opportunities in the credit union industry to college students through our Reaching Toward the Future Internship Program. For more information about the African-American Credit Union Coalition, please visit us at www.aacuc.org ar email renee@aacuc.org.

SHARE ONE INC.Share One, a CUSO headquartered in Memphis, TN., offers the advanced core processing software NewSolutions. The robust core system delivers exceptional value with the flexible and comprehensive solution that features a unique member-centric imaging system and efficient operational workflows. Call for a free demo at 800-888-0766 or visit us online at www.shareone.com.

TRUE NORTH CUSTOM True North Custom drives member acquisition, growth, and retention through data-driven analysis and engaging digital and print content. We do this by telling your unique story to members and non-members using integrated content to drive specific actions that support your business objectives and provide a measurable return on your marketing investment.

Contributing Sponsors continued...

Exhibitors

47

COOPERACoopera is owned by the Iowa Credit Union League and helps credit unions across the country reach and serve the Hispanic market as an opportunity for growth. The Hispanic population is one of the largest, fastest-growing, youngest and most underserved communities in the U.S. Coopera offers assessments, consulting & coaching, Hispanic consumer products, marketing services, training and translation services to credit unions of all asset sizes and locations across the country. Coopera is a CUNA exclusive alliance partner.

ESPA core platform that gives your members the solutions they demand like mobile banking, online banking, e-mail receipts, and the efficiency you need with document imaging, member capture, native disaster recovery? Our Clients have grown an average of 95.46% while partnered with ESP and we want to show you how!

ENTRUST DATACARDEntrust Datacard provides banks, retailers and other consumer marketers with the trusted identity and secure transaction technologies they need to build loyalty, trust and profitability. Our solutions for card issuance, mobile payment, secure online identity and transaction authentication can be integrated to engage consumers in compelling new ways — in stores, at home and on the go.

NATIONAL CREDIT UNION ADMINISTRATIONThe National Credit Union Administration (NCUA) is the independent federal agency that regulates, charters and supervises federal credit unions. With the backing of the full faith and credit of the U.S. Government, NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF), insuring the deposits of more than 98 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.

Exhibitors

48

Maps

SECOND LEVEL1 VALLEY OF THE SUN2 ARCADIA3 AHWATUKEE4 LAVEEN5 SOUTH MOUNTAIN6 ENCANTO7 MARYVALE

8 ESTRELLA9 CAMELBACK10 ALHAMBRA11 DEER VALLEY12 PARADISE VALLEY13 NORTH MOUNTAIN14 OCULUS

THIRD LEVEL1 PHOENIX2 CAVE CREEK3 DESERT SKY4 CORONADO

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Maps

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© Credit Union National Association 2015

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