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:Lending is more important than ever to the credit union’s botto m line. With investment income shrinking\, the need for loan interest inco me is of paramount importance. However\, today’s economic conditions and c ompetition make new loan acquisition very difficult. The resulting loan vo lume for consumer loans\, vehicle loans\, unsecured loans\, line-of-credit loans and credit card loans may be lower than desired because consumers a re in a “wait and see” mode. However\, there is another lending horizon th at is still relatively new and untouched by the credit union industry: BUS INESS LENDING! Business lending may be the last frontier because it is the loan product many credit unions have yet to explore. But with great oppor tunity comes great risk. Join us to learn more about business lending for your credit union. HIGHLIGHTS Risks inherent in business lending What is b usiness lending? How do you decide whether business lending is right for y our credit union? Business lending due diligence requirements Components r equired for a business lending program The opportunities present in busine ss lending for credit unions today Types of business loans to consider Wha t makes a successful business lending program? Techniques and tools to mon itor and provide oversight for a business lending program Rewards of a suc cessful business lending program WHO SHOULD ATTEND? This informative sessi on will be useful for CEOs\, lending management\, supervisory committee me mbers\, and board members. ABOUT THE PRESENTER – Bruce Hull\, CliftonLarso nAllen LLP Bruce Hull has more than 30 years’ lending experience. His know ledge and ability to communicate have made him a sought-after speaker in t he areas of lending\, collections\, and sales. Bruce has served in several capacities\, including: the VP of lending for two large credit unions\; t he director of collections\; a lender in two banks and a savings and loan\ ; a lending professional with one of the nation’s top credit union audit f irms\; and an expert witness in loan fraud and bond claim cases. Bruce has been a frequent presenter at conferences around the country for 20+ years \, including NCUA seminars. He attended the University of Nevada in Reno a nd earned a Retail Banking Diploma from the American Institute of Banking. PLEASE NOTE: Your registration fee allows you to have one telephone conne ction. However\, as many people as you like may listen from your office sp eaker phone. If you register for the webinar\, your registration fee also includes one internet connection from a single computer terminal. THREE RE GISTRATION OPTIONS 1. LIVE WEBINAR The LIVE WEBINAR option allows you to h ave one telephone connection for the audio portion and one Internet connec tion (from a single computer terminal) to view online visuals as the prese ntation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that will allow entrance to the seminar. The session will be approxi mately 90 minutes\, including question and answer sessions. Seminar materi als\, including instructions\, pin number\, and handouts will be emailed t o you prior to the broadcast. You will need the most current version of Ad obe Reader available free at www.adobe.com. 2. ON-DEMAND WEB LINK** AND FR EE CD ROM* Can't attend the live webinar? The ON-DEMAND WEB LINK** is a re cording of the live event including audio\, visuals\, and handouts. We eve n provide the presenter's email address so you may ask follow-up questions . Approximately 1 week prior to the webinar\, you will receive an email wi th the web link. This web link can be viewed anytime 24/7\, beginning 6 bu siness days AFTER the webinar and will expire 6 months after the live prog ram date. But there's more . . . AS AN ADDED BONUS\, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visua l presentation\, the question and answer sessions\, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training. 3. BOTH LIVE W EBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*) Includes options 1 and 2 above *CD Rom for PC use only **All materials are subject to copyri ght and intended for your credit union's use only. NEW! Listen on your iPa d\, iPhone\, or Android. Instructions will be emailed to you with the on-d emand link. INVESTMENT: $199.00 Webinar per connection $199.00 Archived On -Demand Web Link &\; Free CD ROM $249.00 Both Live Webinar &\; Archi ved On-Demand Web Link &\; Free CD ROM TIME: 3:00 p.m. - 4:30 p.m. To r egister and pay by check\, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online\, click here. DTEND;TZID=Eastern Standard Time:20121206T163000 DTSTAMP:20130522T142326 DTSTART;TZID=Eastern Standard Time:20121206T150000 LOCATION: SEQUENCE:0 SUMMARY:> Webinar: The Last Frontier: Risks & Opportunities for Business Lo ans UID:b59f4bd9-6e8b-4298-8ae4-67a8cfca9773 URL:http://www.njcul.org/-webinar-the-last-frontier-risks-opportunities-for -business-loans-2012-12-06.aspx END:VEVENT END:VCALENDAR