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:Capital adequacy requirements are changing. There is new regula tory emphasis on the responsibility of the board and senior management to determine capital adequacy based on the specific risk to the credit union. This is increasingly requested in examinations and credit unions have rec eived positive comments if a capital stress test has been conducted prior to any potential request. After the capital is stressed\, the credit union should prepare a capital contingency plan to consider options for improvi ng capital if the stress event occurs. It is always better to consider the se options prior to the event (proactive) as opposed to after the event (r eactive). This webinar will discuss an easy-to-follow methodology for comp leting the stress test\, components of a capital contingency plan\, and op tions for raising capital. HIGHLIGHTS Guidelines for determining capital a dequacy based on risk An effective methodology to determine capital adequa cy based on risk Perils to avoid in determining capital adequacy How capit al changes impact strategic planning A practical approach for developing a capital contingency plan Importance of stressing capital How to easily st ress capital How regulators view differing levels of capital Pros and cons of capital-raising methods based on current successes and/or failures TAK E-AWAY TOOLKIT Sample methodology for determining capital adequacy based o n risk Methodology for determining capital stress Examples of realistic ca pital-raising alternatives WHO SHOULD ATTEND? This informative session is designed for presidents\, CFOs\, chief lending officers\, and board member s who want to remain proactive in dealing with capital adequacy. ABOUT THE PRESENTER – Gary J. Young\, Young &\; Associates\, Inc. Gary J. Young is Chief Executive Officer of Young &\; Associates\, Inc. During 34 yea rs in consulting and 45 years in the industry\, he has assisted hundreds o f financial institutions from coast-to-coast with improving shareholder va lue and profit\, establishing effective strategic plans\, management asses sments\, regulatory concerns\, budgeting\, asset/liability management\, ex pansion planning\, and mergers and acquisitions. Gary is a popular speaker due to his practical and valuable insight and has conducted seminars thro ughout the United States and in Europe. Gary is on the board of a communit y bank\, manages a bank investment fund\, and is a co-founder of Capital M arket Securities\, Inc.\, which assists with mergers and acquisitions. PLE ASE NOTE: Your registration fee allows you to have one telephone connectio n. However\, as many people as you like may listen from your office speake r phone. If you register for the webinar\, your registration fee also incl udes one internet connection from a single computer terminal. THREE REGIST RATION OPTIONS 1. LIVE WEBINAR The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentat ion 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 cod e that will allow entrance to the seminar. The session will be approximate ly 90 minutes\, including question and answer sessions. Seminar materials\ , including instructions\, pin number\, and handouts will be emailed to yo u prior to the broadcast. You will need the most current version of Adobe Reader available free at www.adobe.com. 2. ON-DEMAND WEB LINK** AND FREE C D ROM* Can't attend the live webinar? The ON-DEMAND WEB LINK** is a record ing of the live event including audio\, visuals\, and handouts. We even pr ovide the presenter's email address so you may ask follow-up questions. Ap proximately 1 week prior to the webinar\, you will receive an email with t he web link. This web link can be viewed anytime 24/7\, beginning 6 busine ss 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 F REE audio/visual CD ROM.* The CD ROM includes the original audio/visual pr esentation\, the question and answer sessions\, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that cou ld not attend the live seminar and for future training. 3. BOTH LIVE WEBIN AR 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 Android. Instructions will be emailed to you with the on-deman d link. INVESTMENT: $199.00 Webinar per connection $199.00 Archived On-Dem and 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 regis ter and pay by check\, email Mary Zelinsky at mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online\, click here. DTEND;TZID=Eastern Standard Time:20130402T163000 DTSTAMP:20130522T175908 DTSTART;TZID=Eastern Standard Time:20130402T150000 LOCATION: SEQUENCE:0 SUMMARY:> Webinar: Meeting the Requirements for Capital Adequacy & Continge ncy UID:78f4421b-15b1-499e-bad0-05001d9dd13f URL:http://www.njcul.org/-webinar-meeting-the-requirements-for-capital-adeq uacy-contingency-2013-04-02.aspx END:VEVENT END:VCALENDAR