BEGIN:VCALENDAR VERSION:2.0 METHOD:PUBLISH PRODID:-//ddaysoftware.com//NONSGML DDay.iCal 1.0//EN BEGIN:VTIMEZONE TZID:Eastern Standard Time BEGIN:STANDARD DTSTART;VALUE=DATE:18000101 RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=10;BYMONTHDAY=25,26, 27,28,29,30,31 TZOFFSETFROM:-0400 TZOFFSETTO:-0500 END:STANDARD BEGIN:DAYLIGHT DTSTART;VALUE=DATE:18000101 RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=4;BYMONTHDAY=1,2,3,4 ,5,6,7 TZOFFSETFROM:-0500 TZOFFSETTO:-0400 END:DAYLIGHT BEGIN:STANDARD DTSTART;VALUE=DATE:20070101 RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=11;BYMONTHDAY=1,2,3, 4,5,6,7 TZOFFSETFROM:-0400 TZOFFSETTO:-0500 END:STANDARD BEGIN:DAYLIGHT DTSTART;VALUE=DATE:20070101 RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=3;BYMONTHDAY=8,9,10, 11,12,13,14 TZOFFSETFROM:-0500 TZOFFSETTO:-0400 END:DAYLIGHT END:VTIMEZONE BEGIN:VEVENT DESCRIPTION:Webinar: Working with Troubled Members: Loan Extensions\, Defer ments\, Re-Aging\, Refinancing &\; Incentives Here’s a simple accountin g rule that everyone understands: a loan is only an asset if the member pa ys on it. The trick is how to keep the member paying when they are facing difficult times. With bankruptcy attorneys\, loan sharks\, bogus debt-solu tion firms\, and credit doctors\, the marketplace is filled with people of fering your member an “easy way out” of paying on a loan. What are you goi ng to do about it? Once a member begins to have financial problems\, your credit union needs to effectively communicate with them and be ready to wo rk on finding a successful conclusion to the loan. To do this\, you need t o understand all the work-out options available and how to use each one ef fectively. This webinar will teach you successful techniques for early ide ntification and intervention with troubled members that focus on member se rvice and creating a workable solution to a delinquency! HIGHLIGHTS The di fference between delinquent and troubled members Methods to identify emerg ing troubled members Regulatory guidance on loan modifications Creating a comprehensive solutions matrix Tools and techniques for effective loan mod ifications Deploying collections incentives WHO SHOULD ATTEND? This inform ative session will be useful for credit union executives\, managers\, loan officers and lending staff\, accounting and finance staff\, collections\, volunteers\, and any other staff that deal with troubled members. ABOUT T HE PRESENTER – David A. Reed\, JD\, Reed and Jolly\, PLLC Attorney\, autho r\, consultant\, and nationally-recognized speaker\, David Reed is a partn er in the law firm of Reed and Jolly\, PLLC. He provides guidance to credi t unions on establishment and revision of policies and procedures\, organi zational compliance\, collections\, security\, contractual agreements\, re gulatory matters\, and corporate governance. His engaging speaking style h as made him a nationwide lecturer on regulatory compliance\, consumer lend ing\, bankruptcy\, and collections. A former trial attorney and vice presi dent and general counsel of a large credit union\, David is particularly k nown as an expert in the areas of credit union operations\, bankruptcy\, a nd collections. He has trained state and federal examination staff on nume rous issues\, including BSA\, ID theft red flags\, SAFE Act\, third-party contract management\, and bankruptcy. He also serves as editor of several industry manuals including Collections Manual for Credit Unions and Bankru ptcy Guide for Credit Unions. PLEASE NOTE: Your registration fee allows yo u to have one telephone connection. However\, as many people as you like m ay listen from your office speaker phone. If you register for the webinar\ , your registration fee also includes one internet connection from a singl e computer terminal. THREE REGISTRATION OPTIONS 1. LIVE WEBINAR The LIVE W EBINAR option allows you to have one telephone connection for the audio po rtion and one Internet connection (from a single computer terminal) to vie w online visuals as the presentation is delivered. You may have as many pe ople as you like listen from your office speaker phone. Registrants receiv e a toll-free number and pass code that will allow entrance to the seminar . The session will be approximately 90 minutes\, including question and an swer sessions. Seminar materials\, including instructions\, pin number\, a nd handouts will be emailed to you prior to the broadcast. You will need t he most current version of Adobe Reader available free at www.adobe.com. 2 . ON-DEMAND WEB LINK** AND FREE CD ROM* Can't attend the live webinar? The ON-DEMAND WEB LINK** is a recording of the live event including audio\, v isuals\, and handouts. We even provide the presenter's email address so yo u may ask follow-up questions. Approximately 1 week prior to the webinar\, you will receive an email with the web link. This web link can be viewed anytime 24/7\, beginning 6 business days AFTER the webinar and will expire 6 months after the live program date. But there's more . . . AS AN ADDED BONUS\, you will also receive a FREE audio/visual CD ROM.* The CD ROM incl udes the original audio/visual presentation\, the question and answer sess ions\, and the handouts. Use the on-demand link or this "off-the-shelf" tr aining program for those that could not attend the live seminar and for fu ture training. 3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCLUDES FRE E CD-ROM*) Includes options 1 and 2 above *CD Rom for PC use only **All ma terials are subject to copyright and intended for your credit union's use only. NEW! Listen on your iPad\, iPhone\, or Android. Instructions will be emailed to you with the on-demand link. INVESTMENT: $199.00 Webinar per c onnection $199.00 Archived On-Demand Web Link &\; Free CD ROM $249.00 B oth Live Webinar &\; Archived On-Demand Web Link &\; Free CD ROM TIM E: 3:00 p.m. - 4:30 p.m. To register and pay by check\, email mzelinsky@nj cul.org and your credit union will be invoiced. To register and pay online \, click here. DTEND;TZID=Eastern Standard Time:20121024T163000 DTSTAMP:20130521T193307 DTSTART;TZID=Eastern Standard Time:20121024T150000 LOCATION: SEQUENCE:0 SUMMARY:> Webinar: Working with Troubled Members: Loan Extensions\, Deferme nts\, Re-Aging\, Refinancing & More UID:d2bef26f-1383-4ac9-98b9-8cea2400bbc2 URL:http://www.njcul.org/-webinar-working-with-troubled-members-loan-extens ions-deferments-re-aging-refinancing-more-2012-10-24.aspx END:VEVENT END:VCALENDAR