Credit Unions... a driving force of communities

Take a Sneak Peek at Just Some of the
Outstanding Educational Sessions Being Offered!

Thursday, May 12
Pre-Conference Training
10:00 a.m. – 11:30 a.m.


Board Members
Attracting and Retaining Young Members
      Brent Dixon

Everyone knows that adding younger members make sense for credit unions, but knowing is only half the battle. What do young adults actually want from their financial institutions? This discussion on youth-specific products Filene’s 30 Under 30 group has designed, helps to dissect the minds of youthful consumers and details how credit unions can grab them.

CEO/Management
Delivering the Dream to Michigan Families
      Eric Dusenbury
      Sponsored by MSHDA

Find information about the “Help for the Hardest Hit” and “Neighborhood Stabilization” programs available from MSHDA, as well as the “Down Payment Assistance” program and federal tax credit program to assist members.

Executive Development
The Art of Management: Recruit, Train, Create
      Lawrence Keen

Credit unions can benefit from promoting from within, with the right focus on preparing employees to move into senior management roles by recruiting, training and creating staff that reflect the organization's culture.

Strategy and Innovation
Non-Interest Income: How to Boost Your Bottom Line
      Rory Rowland

Discover what the top 100 credit unions are doing to have the best non-interest income and learn how to fix the hole in your “bottom line” budget. Real life examples will provide tips for success to Increase non-interest income without gouging members.

Growth
Indirect Lending: Successes & Failures

     Steve Kutrubis
     Sponsored by CU Direct Corporation

Can credit unions and auto dealers get along? Of course. As long as the proper checks and balances are in place, indirect lending is the quickest way to grow membership. Find out how to be successful and mistakes to avoid.

Current Trends
25 Ideas That are Working in Credit Unions Right Now
      Frank Diekmann

At last, discover a broad range of credit union strategies and tactics that can be implemented right now, ranging from loan promotions to savings campaigns and from revenue producers to overarching cultural efforts.

Compliance
Employer Compliance for Employee Benefits
      Jim Fournier
      Sponsored by Salus Group

Regulatory requirements are nothing new to the financial services industry. But there is one area of the business in which mandates have been intensifying over the past few years and is expected to increase rapidly - employee benefits. Health care reform began its mandates in 2010 and will take mandates to a whole new level in 2012. Get ready!

Guest Enrichment Session
Pure Michigan
      David Lorenz

Everything is Positively Michigan at this year's AC&E, including this session that takes a look at Michigan as a travel destination. See "Pure Michigan" revealed and discover some outstanding new tourist spots to check out for weekend get-aways or stay-cations.

Thursday, May 12
Pre-Conference Training
1:30 p.m. – 3:00 p.m.


Board Members
Update on Dodd-Frank Act
      Frank Drake

Gain a clearer understanding of which portions of the Dodd-Frank "Wall Street Reform and Consumer Protections Act" will apply to credit unions, and which won't.  This insightful overview will reveal what the hype is about, from a lawyer with 30 years serving credit unions.

Strategy and Innovation
Keeping Your Feet on the Ground and Your Head in the Clouds
      Jeff Rendel

Innovation is so much more than a corporate value, core competency or strategic objective. As swiftly as the world of business shifts, members are expecting imaginative and resourceful products and services to better their lives and businesses. Come take a look at what credit unions should be doing to innovate.

Technology
Designing Interaction: Maximizing Your Website's User Experience
      Brent Dixon

When it comes to credit union Websites, there are plenty of ways to improve member user experiences and maximize Web presence. Check in with an interactive design expert to see examples and case studies for best practices in aesthetics, site organization and usability.

Compliance
Meeting the Appraisal Requirements
      Mary-Lou Heighes

The Federal Reserve has updated the appraisal requirements under Truth-in-Lending, and federal banking regulatory agencies, including NCUA, have revised Interagency Guidelines on Appraisals. Get an inside look at remaining compliant and find out when a formal appraisal is not required, appraisals for FannieMae/Freddie Mac loans and much more.

Thursday, May 12
Pre-Conference Training OR Optional Discussion Groups
3:00 p.m. – 4:00 p.m.


Board Members
Inspiration and Innovation from Outside the Credit Union Industry
      Brent Dixon

This eye-opening session, will walk through stories from across the business landscape of what's next in marketing, differentiation, strategy and, most importantly, growth. From hyperlocal breweries to large corporations, businesses are bending and flexing to meet the times. Discover what credit unions can learn from these successes...and mistakes.

Strategy and Innovation
Strategic Practices in Compensation: Motivate, Reward AND Save Money!
      Gene Mandarino

Beginning with an overview of compensation principles, philosophy and variable pay tactics and wrapping up with compensation strategies for uncertain times, take this opportunity to learn the “ins-and-outs” of incentive pay and how it can motivate employees, reward top performers and reduce overall compensation expenses.

Current Trends
Open Forum: Current Industry Trends and How They Impact You
      Jeff Rendel

Keeping an eye on industry trends is part of every CEO’s business plan. Knowing what fellow peers are concerned with and what plans they have in place can also be vital information.  Share with other credit union professionals and see how they are staying current with topics that can impact business, positively or negatively.

Compliance
ADA Web Accessibility and ATM New Rules
      Frank Drake

The U.S. Justice Department’s new ADA regulations may require changes to ATMs, effective March 2011. Come find out what you need to know about these rules in an easy to understand format.

Friday, May 13
Bagels, Baked Goods & Breakout Sessions
(Breakfast Included in Registration)
8:30 a.m. – 9:30 a.m.


Board Members
CenCorp’s Future Direction
      Bill Walby

Corporate credit union regulations changed significantly in October 2010.  These changes include new requirements for member contributed capital at CenCorp. Find out about CenCorp’s future plans and the impact on your credit union.

CEO/Management
Open Forum: What’s Bugging You?
      Rory Rowland
      Sponsored by AAA

You are not alone! Join in this conversation by bringing along challenges and issues that are bothersome, and discover what other credit union professionals are doing to improve the same situations.

Executive Development
Advanced Public Relation Tactics for Credit Unions
      Anthony Huey

      Sponsored by Mortgage Center
     
2 Hour Session (Ends at 10:30 a.m.)

This informative breakout session focuses on teaching credit union executives the skills advanced PR practitioners don’t want others to know about. Discover the power of editorial writing, secrets to effective community relations programs, the concept of Reputation Management and much, much more.

Strategy and Innovation
Expense Control
      Mike Moebs

Reducing expenses during this economic storm is an ideal way to not just survive, but thrive.
Get practical steps in reducing expenses used by over 1,000 financial institutions and come away with key benchmarks to find a better bottom line.

Growth
The New Small Business Loan and Why it is Critical to Credit Union Success!
      Ken Gronbach
      2 Hour Session (Ends at 10:30 a.m.)

Learn why big companies play an important part in economic recovery, but how small entrepreneurial businesses will be the very backbone of Michigan’s return to prosperity and to credit unions memberships. Discover the special needs, wants and objectives of the new entrepreneur and meet them head on with a unique credit union member service model.

Technology
Mobility Solutions for Credit Unions
     Don Reef
     Sponsored by Sprint

Mobility technology is changing how business operates and competes. From new wireless devices such as tablets, to wireless data connections, wireless ATM's, signage and surveillance, mobility solutions are providing more choices and solutions to streamline operations, while eliminating expensive wiring and making it faster to grow business with maximum impact at little incremental cost.

Compliance
Low Income Designation
     David B. Nichols

Many Michigan residents are facing financial hardship and credit unions are positioned to serve these member's needs. For credit unions located in low-income areas, find out how the NCUA’s low-income designation provides an opportunity to better serve low-income members through access to special benefits such as secondary capital, acceptance of non-member deposits and participation in the Community Development Revolving Loan Fund Program.

Guest Enrichment
Everyday Greatness: Inspiration for a Meaningful Life
      Lisa Carver

Everyday Greatness, a book by Stephen Covey, is divided into seven examples of living a meaningful life. This discussion will include examples of how to integrate these principles into everyday living, regardless of current circumstances. 

Friday, May 13
3:45 p.m. – 4:45 p.m.


Board Members
Board Financial Literacy
      Mike Moyes

The new NCUA Regulation 701.4 and OFIR bulletin 2005-07 address Board Financial Literacy requirements for all credit unions. This one-hour overview covers board duties, understanding the balance sheet and income statement, important financial ratios to watch, seven major risks to avoid and other key components about complying with these important regulations.

CEO/Management
Learning From Banks About Non-Qualified Benefits: A Blinders-Off Approach
     John Moreno
     Sponsored by CMG

As credit unions compete with for-profit organizations for share of member wallet and business, efficient operations across all aspects of the organization will be necessary. Using non-qualified executive benefit plans and bank investment management as key points for comparison, this session dives into what has traditionally differentiated for-profits from credit unions, what parts of that distinction should remain and considers which aspects of that distinction should be abandoned.

Executive Development
Networking Basics
      Lisa Carver

Career networking is building connections with people who may assist with professional development, job search process and expanding volunteer circles. This interactive training session will focus on professional image, networking opportunities, developing an “elevator” introduction and the importance of social networking.

Strategy and Innovation
Social Media: Everybody’s Doing it, Should You?
      Ann Jones
      Sponsored by MCUL & Affiliates

Facebook, Twitter, blogs, YouTube - we’ve all heard of them and some of us are using them. Is it time for your credit union to get involved with social media or is it just a waste of time?  Though nearly every credit union can find value in social media, this does not mean it is meant for everyone. Should YOUR credit union get involved in social media? Maybe … but maybe not.

Growth
18 Steps to Effective Pricing
      Mike Moebs

Pricing is both an art and a science; however there are ways to make pricing an effective and efficient methodology. This session will help better evaluate position and set prices.

Technology
Is Your Credit Union Mobile Enough (And Does it Need to be?)
      Brandon Trenz

Today it seems like everyone has a smartphone. Better devices, bigger screens, faster network --
these all put pressure on credit unions to improve their mobile experience. So, just how mobile is mobile enough? Take a look at trends in smartphone ownership and usage, and join this discussion on the different ways to meet members' evolving expectations.

Compliance
Mortgage Regulations
      Tom Leduc

Get an inside look at the new mortgage disclosures under the MDIA and the mortgage transfer rule that went into effect at the end of January, and the “unfair or abusive mortgage lending practices” rule that goes into effect in April 2011, pertaining to loan steering and loan originator compensation.

Guest Enrichment
Hors d'oeuvres Made Easy
      Present by Chefs of the Amway Grand Plaza Hotel
      2:30 - 3:30 p.m.

Television cooking shows might make high-end entertaining look easy, but seeing chefs live in-action will really provide an inside look at how anyone can make beautiful, delicious and impressive hors d'oeuvres at home, with basic ingredients that guests are guaranteed to enjoy!
 

Saturday, May 14
11:30 a.m. – 12:30 p.m.


Annual Meeting

Board Members
State Credit Union Board - Examination and Fiduciary Responsibilities
      John Kolhoff

Directors must act carefully to protect themselves from individual liability and ensure the credit union is operated in accordance with applicable laws and regulations. This review of OFIR’s board responsibility handbook will answer questions for state-chartered credit unions.

Executive Development
Reaching Your Leadership Potential
      Dr. Lawana Gladney

Are leaders born are self-taught? Certain personality types lend themselves to natural leaders, but leadership skills can also be a learned. Learning the art of leadership is imperative to progress and productivity that will enhance career and daily living. Discover the steps to achieving leadership potential.

Strategy and Innovation
Member Business Loan: MEDC’s Risk Mitigation Tools
      Eric Hanna

Credit unions are positioned to assist small businesses in Michigan to access the capital funding they need to grow or diversify. Learn about Michigan's cutting-edge Capital Access, Michigan Collateral Support and Michigan Loan Participation program available through the Michigan Economic Development Corporation and about business loan risk alleviation products that are available to credit unions to support their member business loan portfolio.

Growth
Rewards Programs: How to Make the Most of Them
      Lisa Rizk

Take a closer look at what a reward program really is, the different type of rewards programs there are, what credit unions, financial institutions and others are doing, if rewards programs really work and how to create or use a program that suits your credit union’s specific objectives.

Current Trends
Financial Counseling and Education Models, Methods and Measurement
      Credit Union Panel and Beth Troost

Investing time and resources in helping members overcome economic hardships and build a strong financial future also helps to stabilize and increase the productivity of credit union membership. Discover the variety of activities, resources and training available and hear from experienced credit unions who share how their involvement has proven successful.

Compliance
Garnishments of Federal Benefit Payments
      Chuck Holzman

The U.S. Department of Treasury and various other federal agencies have issued new rules designed to implement federal law protection of federal benefit payments from garnishments.  This session is designed to provide an overview of the new regulation, the review process and what the credit union will need to do differently as a result.