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: What You Need to Know about Guarantors\, Co-Signers\, 
 Personal Guarantees &amp\; Joint Applications\, Including Security &amp\; 
 Collateral Implications There is often confusion regarding the distinction
  between a guarantor and a co-signer\, and the situations where it is perm
 issible to require a guarantor or a co-signer on a loan. Do you understand
  the legal prohibitions against requiring a spouse to be a guarantor or co
 -signer? Are you aware of the new rules about proving that applicants appl
 ied for joint credit? The Equal Credit Opportunity Act and Regulation B ar
 e a major focus of the NCUA and the CFPB\, so your credit union must be we
 ll-trained in this complicated area. Besides reviewing the related laws an
 d regulations\, this webinar will explain the proper procedures to use whe
 n evaluating the use of a guarantor or a co-signer and when proving that a
 pplicants applied for joint credit. This webinar will also address the pro
 per procedures to obtain a security interest in jointly-held collateral wh
 ile not violating the laws and regulations. After participating in this we
 binar\, you will be prepared to answer examiners’ questions on this topic.
  HIGHLIGHTS Differences between a guarantor and a co-signer Restrictions o
 n requiring a spouse to guarantee or co-sign When can you require a spouse
  to sign a security agreement? How to prove that applicants applied for jo
 int credit Specific provisions that should be included in guaranty and sec
 urity agreements When is it acceptable to go against the guarantor before 
 going against the borrower? TAKE-AWAY TOOLKIT Interagency Fair Lending Exa
 mination Procedures used by NCUA Examination Procedures Checklist used by 
 the CFPB WHO SHOULD ATTEND? This informative session will benefit loan off
 icers\, loan operations personnel\, credit analysts\, compliance officers\
 , auditors\, attorneys\, and managers. ABOUT THE PRESENTER – Elizabeth Fas
 t\, JD &amp\; CPA\, Spencer Fane Britt &amp\; Browne LLP Elizabeth Fast\, 
 Esq. is a partner with Spencer Fane Britt &amp\; Browne LLP where she spec
 ializes in the representation of financial institutions. Elizabeth is the 
 head of the firm’s training division. She received her law degree from the
  University of Kansas and her undergraduate degree from Pittsburg State Un
 iversity. In addition\, she has a Master of Business Administration degree
  and she is a Certified Public Accountant. Before joining Spencer Fane\, s
 he was General Counsel\, Senior Vice President\, and Corporate Secretary o
 f a $9 billion bank with more than 130 branches\, where she managed all le
 gal\, regulatory\, and compliance functions. She is a member of the Missou
 ri State Banking Board by appointment of the Governor. PLEASE NOTE: Your r
 egistration fee allows you to have one telephone connection. However\, as 
 many people as you like may listen from your office speaker phone. If you 
 register for the webinar\, your registration fee also includes one interne
 t connection from a single computer terminal. THREE REGISTRATION OPTIONS 1
 . LIVE WEBINAR The LIVE WEBINAR option allows you to have one telephone co
 nnection for the audio portion and one Internet connection (from a single 
 computer terminal) to view online visuals as the presentation 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 allo
 w entrance to the seminar. The session will be approximately 90 minutes\, 
 including question and answer sessions. Seminar materials\, including inst
 ructions\, pin number\, and handouts will be emailed to you prior to the b
 roadcast. You will need the most current version of Adobe Reader available
  free at www.adobe.com. 2. ON-DEMAND WEB LINK** AND FREE CD ROM* Can't att
 end the live webinar? The ON-DEMAND WEB LINK** is a recording of the live 
 event including audio\, visuals\, and handouts. We even provide the presen
 ter's email address so you may ask follow-up questions. Approximately 1 we
 ek prior to the webinar\, you will receive an email with the web link. Thi
 s web link can be viewed anytime 24/7\, beginning 6 business days AFTER th
 e 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 includes the original audio/visual presentation\, the
  question and answer sessions\, and the handouts. Use the on-demand link o
 r this "off-the-shelf" training program for those that could not attend th
 e live seminar and for future training. 3. BOTH LIVE WEBINAR 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 copyright and intended for
  your credit union's use only. NEW! Listen on your iPad\, iPhone\, or Andr
 oid. Instructions will be emailed to you with the on-demand link. INVESTME
 NT: $199.00 Webinar per connection $199.00 Archived On-Demand Web Link &am
 p\; Free CD ROM $249.00 Both Live Webinar &amp\; Archived On-Demand Web Li
 nk &amp\; Free CD ROM TIME: 3:00 p.m. - 4:30 p.m. To register and pay by c
 heck\, email mzelinsky@njcul.org and your credit union will be invoiced. T
 o register and pay online\, click here.
DTEND;TZID=Eastern Standard Time:20130305T163000
DTSTAMP:20130524T182437
DTSTART;TZID=Eastern Standard Time:20130305T150000
LOCATION:
SEQUENCE:0
SUMMARY:> Webinar: What You Need to Know About Guarantors\, Co-Signers\, Pe
 rsonal Guarantees & More
UID:e01d821d-06f1-40d2-bcd4-304f96781458
URL:http://www.njcul.org/-webinar-what-you-need-to-know-about-guarantors-co
 -signers-personal-guarantees-more-2013-03-05.aspx
END:VEVENT
END:VCALENDAR