www.ccacu.com

ITS NOT ABOUT THE JOURNEY

ITS ABOUT THE DESTINATION

Hyatt Regency Clearwater Beach Resort & Spa

September 10-13, 2014

CCACU 33RD ANNUAL CONFERENCE

WELCOME

WELCOME TO CLEARWATER BEACH!! On behalf of the members of the Combined

Council of America’s Credit Unions (CCACU), we are excited to welcome you to

the 33rd Annual Conference!

This year’s conference setting is at the Hyatt Clearwater Beach Resort and Spa

between the Intercoastal Waterway and the Gulf of Mexico. Step out to an ocean

view and sand on your feet.

At the CCACU Annual Conference you are among a top quality group of executives,

directors and volunteers dedicated to making this a truly successful annual meeting.

This year’s conference features representatives from CGMCU, Chrysler, Ford and

International Credit Unions.

The conference is full of opportunities to hear dynamic speakers who, armed with

experience, knowledge, and a dedication to our industry, will discuss the critical

issues facing today’s credit unions. In addition, you will have opportunities to

network with colleagues and sponsors whether to catch up on old times, meet

someone new, or continue the education process as we together look toward the

future of America’s credit unions.

We look forward to reconnecting with everyone at the “Welcome Luau”

featuring a Light Plate/Small Bite Reception before you head out to

one of the many establishments within walking distance of the Hyatt for dinner.

Enjoy the conference!

Melvin Calloway, President, CGMCU Council

James Carson, President, Chrysler Council

Shirley Meyer, President, Ford Council

Jerry Walters, President, International Council

Council of Chrysler Credit Unions President: James Carson

Vice President: Jack Williams Treasurer: Cindy Brock

Secretary: Judy Buck

Directors Marilyn Marra-Crolick/Charlie Spann-James/ Calvin McKinney/Daniel Tyburski/Joseph Walker

Council of CGMCU Credit Unions President: Melvin Calloway Vice President: Ann Garmon

Treasurer: Frank Gulley Secretary: Gerald Little

Directors Terry Frazer/Charlie Blain/Raymond Manofsky

Council of Ford Credit Unions President: Shirley Meyer Vice President: Jim Blair

Secretary/Treasurer: Tom Zmrazek

Council of International Credit Unions President: Jerry Walters

Vice President: Tom Whitacre Secretary/Treasurer: Rod Cannon

Directors Jeff Harshaw/Sue Whalen/Jerry Boswell

CCACU COUNCIL

A special thank you goes out to our conference sponsors for participating in this year’s conference. Credit union suppliers are an important part of the credit union movement. They contribute thousands of products, services and man hours to help make our jobs easier in serving the credit union member. We encourage our CEOs and Board of Directors to consider our sponsors first when evaluating future business opportunities.

ALLIED SOLUTIONS 1320 City Center Drive

Suite 300 Carmel, IN 46032 Tel: 800.826.9384 Fax: 317.706.7606

www.alliedsolutions.net

Creating Solutions Through Partnerships® Allied Solutions is one of the largest independently operated providers of insurance, lending, and marketing products and services to more than 4,000 financial institutions nationwide. We have the products you need and the experience to make them work. There are a lot of companies out there offering financial services…but only one with the focus and service commitment of Allied Solutions. Contact us today to learn more about the advantages of being

Allied.

CINDRICH, MAHALAK & CO. 31215 Jefferson Ave.

St. Clair Shores, MI 48082 Tel: 586.296.1155

Fax: 586.296.5325 www.cm-co.com

Cindrich, Mahalak & Co. is a certified public accounting firm specializing in working with credit unions. Dedicated service to our clients since 1971 has positioned us as one of the largest credit union auditing firms in the country. Our dedication is born from our desire to assist each of our clients in accomplishing their objectives for success. Credit unions are our business. As such, we are truly committed to your well-being.

THANK YOU

TO OUR SPONSORS

First Empire Securities is a fixed income institutional broker-dealer committed to providing a broad range of services to ensure clients are making well-informed investment decisions. First Empire’s seasoned traders and financial strategists, state-of-the-art analytical tools, and former regulatory examiners all contribute to a full-service approach developed to help institutions improve the performance of their investment portfolios and to better manage their balance sheets. First Empire Securities is a member of FINRA/SIPC.

FIRST EMPIRE SECURITIES 100 Motor Parkway, 2nd Floor

Hauppauge, NY 11788 800-645-5424 800-645-5424

www.1empire.com

THANK YOU

TO OUR SPONSORS

SERVICECORP Indiana Credit Union League

5975 Castle Creek Pkwy. N. Dr. #300 Indianapolis, IN 46250

Diana Arnold, Chief Operating Officer – Servicecorp

dianaa@servicecorp.com | 800.285.5300 ext. 5359

A wholly owned subsidiary of the Indiana Credit Union League, Servicecorp pools the resources of credit unions to offer them affordable products and services, such as credit and debit card processing, share drafts, insurance, theme park tickets, overdraft privilege and more.

THANK YOU

TO OUR SPONSORS

Gesa Credit Union has served Washington State’s Tri-Cities community since 1953, and is one of the state’s largest credit unions with $1.3 billion in assets and 116,000 members at March 31, 2014. Gesa is a full service financial institution that offers a complete array of consumer, mortgage and business products and ser-vices. Headquartered in Richland, Washington, Gesa operates 13 branch offices in the Kennewick, Richland, Pasco, West Richland, Walla Walla, Wenatchee and East Wenatchee communities. Gesa also supports seven student-operated high school branches – the most in the state. Gesa’s commitment to local communities in-cludes support for Junior Achievement, Habitat for Humanity, annual youth scholarships, and free financial seminars open to members and the general public.

Gesa Credit Union 51 Gage Blvd.

Richland, WA 99352 586.296.5325

www.gesa.com

5910 Mineral Point Rd.

Madison, WI 53705

Tel: 800.356.2644

www.cunamutual.com

CUNA Mutual Group was founded in 1935 by credit

union pioneers and our commitment to their vision

continues today. We offer insurance and protection

for credit unions, employees and members; lending so-

lutions and marketing programs; TruStage™ branded

consumer insurance products; and investment and re-

tirement services to help our customers succeed.

Registration/Hospitality Desk

The CCACU conference registration/hospitality desk will be open:

Wednesday, September 10. . . . . . . . . . . . . . . . . 1:00 pm

Thursday, September 11 . . . . . . . . . . . . . . . . . . . 7:30 am

Friday, September 12. . . . . . . . . . . . . . . . . . . . . . 7:00am

On-Site Staff

A Plus Planners will staff the registration/hospitality desk during the hours of operation noted above.

Conference Program

Upon registration you will be provided a conference program which includes everything you will need during the conference.

Name Badges & Tickets

Your conference name badge identifies you as a Conference Attendee, Spouse/Guest, Speaker or Sponsor. It is essential that you wear your name badge at all times during the conference while at the hotel.

As a registered/paid conference attendee, your name badge will be your official pass and must be worn for admittance to all CCACU functions.

As a paid spouse/guest, your name badge will be your official pass and must be worn for admit-tance to the receptions, general sessions, Children’s Miracle Network Luncheon and spouse/guest sponsored programs.

Tickets will be required for admittance to all functions.

Sponsors

The sponsors will be available to meet with you at the “Welcome Luau” on Wednesday evening and during “Breakfast with the Sponsors” on Thursday and Friday mornings. Please take time to meet and talk with them!

Dress Code

Dress for all functions at the Hyatt Clearwater Beach Resort and Spa is business casual (sport shirts, nice slacks, sundresses, dress shorts, Capri pants, etc.) unless otherwise noted. Meeting

rooms may be cool, so a sweater may be appropriate.

CONFERENCE

Welcome Luau - Wednesday Evening 5:30—7:00

Let us help you put the morning’s travels behind with a “Welcome Luau” featuring a light plate/

small bite reception. So, pack away the ‘traveling attire’ and unpack the ‘beach garb’ and come enjoy

light snacks and beverages, and beach music and leave your routine in the dust (or sand!). After-

wards, discover an abundance of nearby restaurants all within strolling distance from the Hy-

att where you’re guaranteed to find dinner to fit the palate of any beachgoer.

Friday Night Dinner - 7:00 p.m.

Enjoy an evening with us on the Sky Terrace complete with the serenading sounds of waves and a canopy of brilliant stars

which are always complementary here. So, whether you’re making new acquaintances or getting reacquainted . . . again . . .

with ‘ol friends, the beautiful views, delicious food, and soothing music help create a wonderful setting for an evening that

promises to be memorable.

Best Practices

The roundtable discussions were a success last year so once again, this format will be provided to give all attendees the opportunity to ask Volunteers and CEOs questions and share ideas with fellow participants.

Breakout Sessions

There will be three breakout sessions on Friday with 9 different topic starting at 8:45am, 10:00 am and 11:15am to give each attendee the chance to hear three of the featured speakers and listen to topics that are relevant to your credit union. Be sure to have your bags handy as speakers may provide handout materials relevant to their presentation.

Children’s Miracle Network Luncheon and Auction

Auction items to be donated should be taken to the CCACU Hospitality Desk. The Silent Auction items will be displayed during the “Welcome Luau” on Wednesday evening and bids can be received at that time and during the Breakfast with Sponsors on Thursday and Friday mornings and just prior to the start of the Live Auction. Stop in and bid on items during the following hours:

*Wednesday, September 10 5:30 PM to 7:00 PM

*Thursday, September 12 8:00 AM to 9:15 AM

*Friday, September 13 7:30 AM to 8:30 AM and before lunch

Once the live auction begins, bidding will be fast, lively and entertaining. Winners must collect and pay for items after the luncheon. Cash, check and VISA* will be accepted. Additionally, 50/50 raffle tickets will be sold during Wednesday’s reception. The pot will be split between two lucky winners at the live auction. Proceeds of the raffle will be divided between the winners and the Children’s Miracle Network.

INFORMATION

WEDNESDAY, SEPTEMBER 10, 2014

1:00 pm to 5:30 pm

CCACU Conference Registration

3:00 pm to 5:00 pm

Sponsor Set-Up

5:30 pm to 7:00 pm

Welcome Luau– Small Plate Reception

THURSDAY, SEPTEMBER 11, 2014

7:30 am

Registration Desk Open

8:00 am to 9:15 am

Breakfast with the Sponsors

9:30 am to 11:45 am

General Session

“Welcome to Clearwater”

Introduction of Council Board – Mel Calloway

Children’s Miracle Network – Terry Frazer

Keynote Speaker – Jim Olson

“The CIA and the War on Terror”

12:15 pm to 1:15 pm

Buffet Luncheon

1:30 pm to 2:30 pm

John Mckenzie– ICUL- State of the CU Industry

2:45pm to 4:45pm

Best Practices

Dinner on your own

6:00pm

Council of Chrysler Reception

6:00 pm

Council of Ford Dinner

FRIDAY, SEPTEMBER 12, 2014

7:00 am

Hospitality Desk Open

7:30 am to 8:30 am

Breakfast with the Sponsors

8:45 am to 9:45 am

Breakout #1

1. Frank Santucci - Basics of ALM

2. Dan Mahalak - BSA

3. Ken Otsuka - CU Exposure to Data Breaches

10:00 am to 11:00 am

Breakout #2

1. Frank Santucci - Advanced Interest Rate Risk Management

2. Dan Mahalak - Regulatory Compliance – What You Should Know, Besides BSA

3. Ken Otsuka - Identity Theft

11:00 am to 11:15 am - Break

11:15 am to 12:15 pm

Breakout #3

1. Frank Santucci - Liquidity Measure and Management

2. John McKenzie - Credit Union Health Care

3. Ken Otsuka - Online Banking Risks

12:30 pm – Plated Luncheon

12:45 pm – Children’s Miracle Network Auction

3:30 pm - Free Time

7:00 pm - Dinner on the Sky Terrace

SATURDAY, SEPTEMBER 13, 2014

8:00 am to 9:15 am - Continental Breakfast

9:30 am to 10:30 am - Rik Roberts

“The Mayberry Method”

10:45 am - Council Meetings

Conclusion of Conference

AGENDA

SPEAKER INFORMATION

Dan Mahalak. Dan is the President & Managing Partner of Cindrich, Mahalak & Co., P.C., a

CPA firm specializing in the credit union industry. He joined the firm in 1980 upon graduating from

Eastern Michigan University and became a partner in 1988. He is a certified public accountant and a

member of both the American Institute of Certified Public Accountants (AICPA) and the Michigan

Association of Certified Public Accountants (MACPA).

Throughout his career Dan has worked in all phases of the practice. He is involved in all audit activities

and works closely with the staff in training and development. He personally reviews all audit files and

reports as part of the firm’s quality control standards. His extensive experience allows him to provide

clients with unique problem solving insights.

Throughout his tenure, Dan has been responsible for hundreds of credit union audits, and worked in

fraud/embezzlement investigations, including filing bond claims, working with authorities, and testify-

ing in criminal proceedings. He also works with credit unions in budgeting and forecasting, asset-

liability management consulting, strategic planning, mergers and acquisitions, human resources consult-

ing, regulatory consulting, and a variety of other consulting projects. He is a frequent speaker on topics

related to the credit union industry on both a local and national level. He has written articles for several

credit union publications.

Cindrich, Mahalak & Co., P.C. is one of the largest credit union auditing firms in the country. They

currently audit credit unions ranging from less than $5 million to well over $1 billion in assets. They

have concentrated their practice in credit unions and their subsidiaries since their inception in 1971.

Dan will be providing BSA training again this year.

John McKenzie. John has served as president of the Indiana Credit Union League since 1990.

Prior to that, he held other senior management positions with the Indiana League Services Corporation

(Servicecorp) and Indiana’s corporate credit union during the 1980s. He is recognized by Hoosier credit

unions as an effective leader at a League whose affiliates represent more than 95 percent of the credit

union members and assets statewide. Under his leadership, Servicecorp created its Credit Union Card

Center division which has offered credit and debit card processing to credit unions for decades.

Currently, Credit Union Card Center provides credit and debit card processing services to 117 credit

unions with more than 340,000 cardholders. McKenzie also played a key role in establishing Indiana’s

shared branching network beginning in the early 1990s. That network currently serves credit unions

representing more than two-thirds of Indiana’s 2.2 million credit union members. He was also instru-

mental in overseeing the growth of the League’s group health insurance plan which currently serves

3,500 credit union employees and dependents statewide. He has also made it a high priority to engage

elected officials and others in conversations about credit unions, and he is recognized by legislators as

a valuable advocate for Indiana credit unions. He is a past board member of the Credit Union National

Association.

James M. Olson. Jim is on the faculty of the Bush School of Government and Public Service

at Texas A & M University, where he teaches courses on intelligence and national security. He served

his entire career in the CIA’s Directorate of Operations. His career highlights include serving as the

chief of CIA counterintelligence at CIA headquarters and in overseas assignments in Moscow, Vienna,

and Mexico City. He lives in College Stations, Texas.

Jim is our Keynote Speaker. He will be presenting “The CIA and the War on Terror”

SPEAKER INFORMATION

Ken Otsuka is a Senior Consultant in the Credit Union Protection Risk Management Department for

CUNA Mutual Group. In this role, Ken is responsible for researching and analyzing emerging risks for

product development along with developing resource and other training material for credit unions.

Ken also assists credit unions in identifying areas of risk in their operations, and recommends appropri-

ate loss controls to reduce loss exposure.

Ken is frequently asked to speak by various organizations on a variety of fraud and compliance topics.

He is considered an expert on Federal Reserve Regulation CC and he often conducts training seminars

on the regulation.

Based in Chicago, Illinois, Ken joined Risk Management in 1990 after spending eight years as an auditor

at another insurance company.

A graduate of Northern Illinois University, Ken earned a Bachelor’s Degree in accounting. He received

a Certified Public Accountant (CPA) designation in 1982.

Ken’s topics will include Credit Unions Exposure to Data Breaches, Identity Theft and Online Banking

Risks.

Rik Roberts. Rik began his speaking career in 1992 as a Stand-Up Comedian in Columbus,

OH. He also toured the country as part of the improvisational comedy troupe “Midwest Comedy Tool

& Die”.

After earning a degree in communications from Bethany College, Rik worked for Simon & Schuster in

Columbus, OH. He joined a nationally touring comedy troupe “Midwest Comedy Tool & Die [MCTD]

in 1992. Shortly thereafter, he decided to jump head first into stand-up comedy. He now has over

twenty years of headlining experience across the United States and abroad.

His comedy is 100% clean and appropriate for each audience. He’s appeared in his own episode of the

award winning BANANAS COMEDY SHOW which features the nation's top "clean" comedians.

Believing that the world needs more clean comedy, Rik teaches comedy writing workshops across the

country and online through his “School of Laughs”.

Rik spends his time off stage writing comedy songs – many of which are aired daily on Sirius XM ra-

dio’s LaughUSA and Blue Collar Radio channels. Of his 7 comedy CD’s, two are still available for

purchase on RikRoberts.com.

His love of all thing country led to him being featured on CMT's "20 Greatest Redneck Moments". He

also was a writer and performer on “The Henry Cho Comedy Show” on Great American Country.

Rik will delight us with a touch of Mayberry in his “The Mayberry Method” presentation.

Frank Santucci. Mr. Santucci joined First Empire Securities, Inc. in September 1985 as a

Fixed Income Specialist. Between 1985 and 1993 he worked with hundreds of institutional investors

nationwide assisting them in the purchase and sale of fixed income securities.

In January 1994, Mr. Santucci was promoted to his current position of Senior Vice President and

Managing Director of Asset Liability Management Services. His primary responsibilities include the

administration of First Empire's Asset Liability Management Team and Financial Strategies Group and

the development of balance sheet and investment portfolio strategies for clients of the firm. Mr. San-

tucci is also the principal author of the Balance Sheet Management Services’ ALM Model. In addi-

tion, Mr. Santucci is a frequent speaker at regional and national conferences on various ALM and risk

management techniques, as well as current industry trends.

Prior to joining First Empire, Mr. Santucci served as an Account Executive for Guardian Financial

Group, Huntington Beach, California, a financial services company specializing in investments and

insurance products for 401(K) and the defined benefit plans of Fortune 500 companies.

ABD FCU Chrysler Affiliation 27850 Mound Road Warren, MI 48092

Afena FCU GM Affiliation 424 N. Bradner Avenue Marion, IN 46952

Best Reward Credit Un-ion Ford & GM Affiliation 21375 Alexander Road Walton Hills, OH 44146

Credit Union One GM Affiliation P.O. Box 277 North Jackson, OH 44451

Fidelity Federal CU GM Affiliation 6690 Roswell NE, #1100 Sandy Springs, GA 30328 Financial Builders Chrysler Affiliation 2828 S. Lafountain Kokomo, IN 46904 Financial Center FCU 7101 E. 56th Street Indianapolis, IN 46226 Focal Point FCU Chrysler Affiliation 6555 Ridings Road Syracuse, NY 13206 GESA Credit Union P.O. Box 500 Richland, WA 99352

Harvester Financial CU International Affiliation 7020 Brookville Road Indianapolis, IN 46239 International Harvester International Affiliation 5000 Urbana Road Springfield, OH 45502

Jeep Country FCU Chrysler Affiliation 7030 Spring Meadows West Holland, OH 43528 Midwest Community CU GM Affiliation 08770 N. SR 66 Defiance, OH 43512

Sagelink Credit Union GM Affiliation P.O. Box 667 Linden, MI 48451

Seven Seventeen CU GM Affiliation 3181 Larchmont Ave. NE Warren, OH 44483 Sharefax Credit Union Ford Affiliation 1147 Old S.R. 74 Batavia, OH 45103

Wanigas Credit Union GM Affiliation 1837 Bagley Street Saginaw, MI 48601

CREDIT UNIONS REPRESENTED

CONFERENCE ATTENDEES

Last Name First Name Credit Union Name Council

Adamec Frank Best Reward CU GM

Alford Norm Best Reward CU GM

Balls Michael Wanigas CU GM

Bennett Steve Harvester Financial CU International

Bergeson John Harvester Financial CU International

Blain Charlie Sagelink CU GM

Bridges Melvin Jeep Country FCU Chrysler

Brock Cindy Financial Builders FCU Chrysler

Buck Judy Jeep Country FCU Chrysler

Burgess Yvonne ABD FCU Chrysler

Calloway Mel GESA CU GM

Campbell Charlie Harvester Financial CU International

Cannon Rod Harvester Financial CU International

Carson James ABD FCU Chrysler

Clouet Leo Best Reward CU Ford

Dalrymple Richard Fidelity Federal Credit Union GM

Davenport Timothy ABD FCU Chrysler

Degenhart George IH Employee Credit Union International

Enright Brian Fidelity Federal Credit Union GM

Epley Mark Jeep Country FCU Chrysler

Florence Robert Midwest Community CU GM

Flores Hector Jeep Country FCU Chrysler

Frazer Terry Fidelity Federal Credit Union GM

Garmon Ann Financial Center FCU GM

Green Valerie Wanigas Credit Union GM

Gulley Frank Afena FCU GM

Guthridge Bellesy ABD FCU Chrysler

Hairston Al Harvester Financial CU International

Halas Steve Best Reward CU GM

Harshaw Jeff IH Employee Credit Union International

Hepfinger Mark Jeep Country FCU Chrysler

Huffman Rick Financial Builders FCU Chrysler

Hunter Scott IH Employee Credit Union International

Isaac Maxine Jeep Country FCU Chrysler

Jackson Jim Best Reward CU Ford

Jackson-Thomas Ida Jeep Country FCU Chrysler

Jurik Steve Wanigas Credit Union GM

Kadusky Steve Best Reward CU Ford

CONFERENCE ATTENDEES

Last Name First Name Credit Union Name Council

King Noah Best Reward CU Ford

Kistemaker Richard Best Reward CU GM

Kitchen Jack IH Employee Credit Union International

Kitchen Jim IH Employee Credit Union International

Kremer Art Sharefax Credit Union Ford

Lake Janet Sharefax Credit Union Ford

Lattanzi John Credit Union One GM

Leamer Gene Credit Union One GM

Lehmann Judy Fidelity Federal Credit Union GM

Little Gerald Wanigas Credit Union GM

Manofsky Raymond Seven Seventeen CU GM

Marra-Crolick Marilyn FocalPoint FCU Chrysler

Mathes Arlene Seven Seventeen CU GM

McCree Malachi ABD FCU Chrysler

McKinney Calvin ABD FCU Chrysler

McMahon Patrick Sharefax Credit Union Ford

Metcalf Mike Harvester Financial CU International

Mims Laurie Jeep Country FCU Chrysler

Pastor Lou Best Reward CU Ford

Scott Lynnette Wanigas Credit Union GM

Spann-James Charlie ABD FCU Chrysler

Stoner Mark Jeep Country FCU Chrysler

Thomas Jeff Fidelity Federal Credit Union GM

Tyburski Daniel Jeep Country FCU Chrysler

Victoria Kim IH Employee Credit Union International

Wagner Ronald Midwest Community FCU GM

Walker Joe ABD FCU Chrysler

Walters Jerry Harvester Financial CU International

Westmeyer Deborah Jeep Country FCU Chrysler

Whalen Sue IH Employee Credit Union International

Whitacre Tom IH Employee Credit Union International

White Robb IH Employee Credit Union International

Williams Jack Financial Builders FCU Chrysler

Williams John ABD FCU Chrysler

Williamson Mike Harvester Financial CU International

Zmrazek Tom Best Reward CU Ford