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:Misconceptions about minor accounts may cause confusion and une qual treatment – even from branch to branch. Although account ownership is dictated by state law\, some common areas should be understood by all cre dit unions that offer accounts to minors. Can UTMA funds be paid directly to the minor at age 21? How old must a minor be to open an account? When c an a minor have a debit card? From membership\, to CIP\, to disbursement o n minor accounts\, credit union staff must be aware of common problems – a nd solutions. HIGHLIGHTS How can minors qualify for membership? CIP: Membe r identification for minors Types of minor accounts – individual\, joint\, in trust for\, etc. Setting up and handling special accounts for minors\, such as UTMA and Coverdell ESAs Minors and representative payee accounts Who can transact on minor accounts? Share insurance requirements when mino rs are owners\, co-owners\, or beneficiaries What happens when a minor die s? Dealing with minors as account beneficiaries WHO SHOULD ATTEND? This in formative session is designed for new account representatives\, membership officers\, frontline staff\, compliance specialists\, and those who handl e decedent accounts. ABOUT THE PRESENTER – Mary-Lou Heighes\, CUCE\, Compl iance Plus\, Inc. Mary-Lou Heighes is President and founder of Compliance Plus\, Inc. Involved in the credit union movement since 1989\, she spent 5 years working in credit unions in almost every position\, including loan officer\, marketer\, and collector. She also worked at the California Cred it Union League for 7 years\, providing compliance assistance and advising credit unions of regulatory changes. While at the league and for several years thereafter\, Mary-Lou advised on state and federal legislative issue s. Compliance Plus\, Inc. was founded in 2000 to provide compliance assist ance to credit unions. Since then\, Mary-Lou has helped credit unions with developing compliance programs\, provided compliance training nationwide\ , and spoken at numerous credit union conferences throughout the country. She has been an instructor at Regulatory Compliance Schools\, conducts doz ens of webinars for credit-union-related organizations throughout the coun try\, and has written articles for Credit Union Magazine. PLEASE NOTE: You r registration fee allows you to have one telephone connection. However\, as many people as you like may listen from your office speaker phone. If y ou register for the webinar\, your registration fee also includes one inte rnet connection from a single computer terminal. THREE REGISTRATION OPTION S 1. LIVE WEBINAR The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a sing le computer terminal) to view online visuals as the presentation is delive red. You may have as many people as you like listen from your office speak er phone. Registrants receive a toll-free number and pass code that will a llow entrance to the seminar. The session will be approximately 90 minutes \, including question and answer sessions. Seminar materials\, including i nstructions\, pin number\, and handouts will be emailed to you prior to th e broadcast. You will need the most current version of Adobe Reader availa ble 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 li ve event including audio\, visuals\, and handouts. We even provide the pre senter's email address so you 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 the re's more . . . AS AN ADDED BONUS\, you will also receive a FREE audio/vis ual CD ROM.* The CD ROM includes the original audio/visual presentation\, the question and answer sessions\, and the handouts. Use the on-demand lin k or this "off-the-shelf" training program for those that could not attend the live seminar and for future training. 3. BOTH LIVE WEBINAR AND ON-DEM AND 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 A ndroid. Instructions will be emailed to you with the on-demand link. INVES TMENT: $199.00 Webinar per connection $199.00 Archived On-Demand Web Link &\; Free CD ROM $249.00 Both Live Webinar &\; Archived On-Demand Web Link &\; Free CD ROM TIME: 3:00 p.m. - 4:30 p.m. To register and pay b y check\, email mzelinsky@njcul.org and your credit union will be invoiced . To register and pay online\, click here. DTEND;TZID=Eastern Standard Time:20130328T163000 DTSTAMP:20130524T114919 DTSTART;TZID=Eastern Standard Time:20130328T150000 LOCATION: SEQUENCE:0 SUMMARY:> Webinar: Opening Minor Accounts: Ownership\, Access & Multi-Party UID:17e308a6-5127-4a10-b4d4-b5af85d06fc1 URL:http://www.njcul.org/-webinar-opening-minor-accounts-ownership-access-m ulti-party-2013-03-28.aspx END:VEVENT END:VCALENDAR