Relevant to both U.S. and International audiences.        
 Indicates workshops that address Generation Y topics.

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Wednesday, June 18, 2008 
3:30 – 5:00  p.m.

W300 – Opening General Session
Keynote Speaker: Marcus Buckingham

Best-selling author and world-renowned authority on employee productivity and management, Marcus Buckingham will open the 2008 Discovery Conference. Marcus has been the subject of in-depth profiles in The New York Times, Fortune, Fast Company, Harvard Business Review, USA Today and the Wall Street Journal and is the author of the million-copy bestsellers First Break All the Rules and Now, Discover Your Strengths. His latest book Go Put Your Strengths to Work aims to kick-start the “Strengths Revolution” that began with his earlier books. This revolutionary theory proposes that companies who focus on cultivating employees’ strengths rather than simply improving their weaknesses stand to dramatically increase efficiency while allowing for maximum personal growth and success. Drawing on his years of research, he’ll illustrate how engaged employees can improve productivity, profit, customer satisfaction, and reduced rate of turnover. This isn’t just an idea – Marcus will actually show you how to move from theoretical insights to practical application.

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Thursday, June 19, 2008
8:30 – 10:00 a.m.

T100 – Similarities and Differences between Spanish & English Speaking Credit Union Markets
Speakers: Brenda Cuthbert, President and GM, City of Kingston (COK) Credit Union (Jamaica); Gamaliel Velazquez, Cooperativa Las Piedros

While the credit union philosophy and ethos are fairly universal, there are some unique aspects of markets depending upon the populations they serve. Through an examination of a Spanish language credit union, an English language credit union, and a credit union serving a bi-lingual population, the session will outline commonalities and differences between the credit unions’ operations using a panel discussion format. You will leave with a view as to how credit unions may change based upon the language and cultures of their memberships.

T101 – ID Theft - New Red Flag Rules
Speakers: Ken Otsuka, Risk Manager, CUNA Mutual Group and Jenny Champagne, NASCUS

This session will include an overview of the new ID Theft Red Flag provisions of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) and how they impact your credit union. Compliance is required by November 1, 2008 – is your credit union ready? 

T102 – Top 100 Credit Unions in Lending
Speaker: Rory Rowland, President, Top 100 Credit Unions

Learn what the Top 100 credit unions did to become the best lenders. There are seven keys that you must use in order to be one of the best lenders. The Top 100 credit unions in lending will outperform the average credit union by two to three to four times; discovery how they do it. Learn the important lending trends that are changing how the best credit unions are making the process simple, fast and easy for their members, and how their members love it. We look at the Top 100 in seven different asset ranges, so a credit union of any size will walk away with ideas. 

T103 – How to Be the “Best of the Best”
Speakers: Bob Larson, Financial Support Consultant, CUNA Mutual Group, Wayne Vann, Navy Army Federal Credit Union and Steve Behler, Kemba Credit Union, Inc.

With all the changes in the interest yield over of the last 7 years, how are some credit unions still posting strong results?

• Participate in an interactive dialogue with key decision makers from credit unions.
• Hear “best practice’ strategies being developed and executed to achieve above average financial results in a constantly changing environment.
• Learn by comparing and contrasting with our case study credit union and formulate your own strategies for future success 

T104 – Meeting the Baby Boomers' Retirement Challenge 
Speaker: Scott Knapp, Vice President, Retirement Services and Strategy, CUNA Mutual Group 

During the next several years, a flood of baby boomer retirements will radically alter how credit unions serve their members. This session will provide insights about how credit unions can stay relevant and capture opportunities beyond their members' working years. 

T105 – Coming Soon to Your Credit Union – Mortgage Lending Risk
Speaker: Brian Shepherd, Senior Vice President and General Manager, CMG Mortgage Insurance Company

Credit union members are actively seeking you out as their mortgage lender now after hearing so much about the mortgage market woes of the past year. It’s important for credit unions to remember the background to their sudden popularity. The collapse in the housing bubble stems in large part from lenders making poorly considered loans to borrowers with credit problems. As a result, lending standards have significantly tightened outside the credit union market. Embrace selectivity as it is essential. In this session, you’ll learn why long-term loan quality must not be sacrificed for short-term market share and what credit unions can do to manage the potential risk, while enjoying the heightened demand. 

T106 – Organizational Success and Succession - Who are your Leaders?
Speakers: Natalie Manor, President, Natalie Manor & Associates and Jennifer Kuhn, Sr. Manager, Leadership & Performance Management, CUNA Mutual Group

Strong leadership is critical for your credit union’s sustained success. Succession planning is a systematic effort and process of identifying and developing candidates for key leadership and professional positions over time to ensure the continuity of management and leadership in an organization. You need to protect your credit union's future, increase employee motivation and maximize team productivity. The real key in succession planning is to create a match between the organization’s future needs and the aspirations of the individuals interested in bringing the company into the future.

This presentation will identify the critical thinking process needed to ensure the future of your credit union. Learn the steps to identify key positions, the competencies required for each position and when they will become available. 

T107 – Join the Savings Revolution
Speakers: Denise Gabel, Chief Innovation Officer, Filene Research Institute; Nick Maynard, Director of Innovation and New Product Development, Doorways to Dreams (D2D Fund) and Tansley Stearns, Connex Credit Union, Inc.

It's an interesting dilemma...most credit unions need deposits and yet consumers are not good savers. But what if we could more deeply understand why consumers save and create more effective programs for them? In this morning's session, you'll learn what it takes to get your members to want to save. What if they had a support group encouraging them to meet specific savings goals? How thrilled would they be if you rewarded them for regular savings? Come discover some innovative ideas now sweeping the nation that actually make the idea of savings fun and exciting as well as convenient for your members. Think how appreciative your members will be that you helped them save.

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Thursday, June 19, 2008 
10:30 a.m. – 12:00 p.m.

T200 – Employees Gone Bad – Avoiding Employee Dishonesty
Speaker: Don Thompson, Risk Manager, CUNA Mutual Group

Internal fraud continues to have substantial impact on credit unions (large dollar losses in damages, investigative and defense costs, as well as trust and reputation harm). In this session, you will hear about some of the ways employees have taken advantage of loose internal security, inappropriate authorities, and lack of checks and balances. In addition, you will be provided recommendations on how to prevent this costly crime from occurring in your credit union. 

T201 – Lending Regulatory Update (repeats)
Speaker: Bill Klewin, Director, LOANLINER Product, CUNA Mutual Group

Congress and the Federal regulatory agencies have been very active adding regulatory requirements and proposing changes to existing regulations. The face of lending is changing at the same time, with more emphasis on remote transactions. This session will focus on the changing lending environment, including technology advances, regulatory changes, and how the two interact with each other. Among other things, we will discuss the move to paperless lending, proposed changes to Regulation Z, electronic disclosures, and ways credit unions can benefit from these changes in meeting their members' needs. 

T202 – Putting Your 401(k) Program on “Auto Pilot”
Speakers: Susan Reynolds, Senior Pensions Market Advisor, CUNA Mutual Group

Since the passing of The Pension Protection Act, adoption of automatic plan features has dramatically accelerated. Many companies across the country are putting their 401(k) plans on "autopilot" to meet the needs of the reluctant savers. Autopilot plans are full of easy savings features like automatic enrollment, automatic increases, automatic deferral of salary contributions and professionally-managed asset allocation accounts. Take away a full understanding of the most important aspects of today's new defined contribution plans, with an emphasis on 401(k) plans. 

T203 – Reaching New Markets Through a Member Value Proposition
Speaker: Anthony Hall, CUNA Caribbean Insurance Society, Ltd.; and Luis R. Lopez, Cooperative Abraham Rosa 

The offering of additional products and services can help credit unions improve their bottom line through fee income. As importantly, a well developed value proposition can increase revenue while building stronger member loyalty. This session will focus on-
• Identifying potential targets for member expansion;
• Identification of existing member needs and stakeholder pain points, and how to address them;
• How development of an effective sales culture can build upon the above efforts to improve CU bottom line while enhancing membership.
You will leave with a view on how credit unions can expand their “share of wallet” of existing members, as well as attract additional new members, through the communication of a clear value proposition to membership. 

T204 – Word of Mouth Marketing – 5 Simple Steps (Repeats) 
Speakers: Andy Sernovitz, , Founder, GasPedal, Author “Word of Mouth Marketing: How Smart Companies Get People Talking”;

You've heard the talk, you've heard the hype -- word of mouth marketing is the next big thing. But what exactly should you do to create a word of mouth marketing campaign for your credit union? Learn specific strategies to engage with members and non-members and get them into your branch. Learn the 5 steps to starting an impactful, effective, sales-driving campaign. We're going to get specific here: Who to hire, where to start, and how to make it successful.
• Finding the right people to talk about you (influencers and evangelists)
• Giving them something to talk about (viral email, samples, buzz, and more)
• Creating tools to make it easier for them to talk to each other (blogs, discussions, tell-a-friend forms)
• Participating in the conversation
• Tracking and measuring results  

T205 – Total Benefits Pre-Funding: Helping You Manage Future Benefit Cost Increases
Speaker: John Moreno, Director, Client Services and Marketing, MEMBERS Capital Advisors

Total Benefits Pre-Funding is a tool to help credit unions potentially mitigate continually increasing costs of employee benefits. In this session, John will discuss the concept and its origins, current concepts and practice in relation to development of a program and lessons learned as we have rolled out this concept to credit unions in the early adoption stage. 

T206 - Measuring Credit Union Financial Performance: Is it still ROA or ROE?
Speakers: William Ganzenmuller, Financial Support Consultant,, CUNA Mutual Group; Becky Hulett, Florida Telco Credit Union

Learn from CU industry professionals’ best practices for communicating financial performance to Board of Directors and membership. Why is Return on Equity (ROE) important? What are the key benchmarks credit unions should be using? 

T207 – Future of Mortgage Sourcing: Servicing and Surviving
Speakers: Robert Tort, Director-Private Label Solutions, PHH Mortgage; Moderator: Bill Walker, Vice President, National Sales, CMG Mortgage Insurance Company; Mike, Long, UW Credit Union; George Shipman, California Credit Union

There are many forces today that are impacting the mortgage product. Marketplace consolidation, cyclicality, tighter credit, compliance and technology costs to name a few. While credit unions are in a unique position to take advantage of the current turmoil, credit union leadership finds themselves evaluating the long term response and strategic options for transforming their retail mortgage platform. Come listen to how our panel of senior leaders has successfully grown mortgage sales by leveraging different types of strategic partnerships. The market is competitive—now is the time to learn the tactics and strategies that will position you to win the battle for mortgage growth.

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Thursday, June 19, 2008 
1:30 – 3:00 p.m.

T204R – Word of Mouth Marketing – 5 Simple Steps
Speakers: Andy Sernovitz, Founder, GasPedal, Author “Word of Mouth Marketing: How Smart Companies Get People Talking”

You've heard the talk, you've heard the hype -- word of mouth marketing is the next big thing. But what exactly should you do to create a word of mouth marketing campaign for your credit union? Learn specific strategies to engage with members and non-members and get them into your branch. Learn the 5 steps to starting an impactful, effective, sales-driving campaign. We're going to get specific here: Who to hire, where to start, and how to make it successful.
• Finding the right people to talk about you (influencers and evangelists)
• Giving them something to talk about (viral email, samples, buzz, and more)
• Creating tools to make it easier for them to talk to each other (blogs, discussions, tell-a-friend forms)
• Participating in the conversation
• Tracking and measuring results  

T300 – Microfinance – The Downsizing of Financial Services
Speaker: David Grace, Vice President, Association of Association Service, World Council of Credit Unions 

The competitive landscape is changing in terms of providing services to the demographic traditionally served by credit unions. In this session, issues to be covered include-
• How new microfinance institutions are successfully developing in both new areas and areas that have traditionally been covered by credit unions in the past;
• How payday lenders, pawnshops and other non-traditional lenders are eroding credit union market share;
• Background on various institutions and lessons they may provide credit unions on how to serve the emerging demographic.
You will leave with an understanding of the financial service needs of emerging markets and the various providers serving those customers. 

T301 – Non-Qualified Plan Solutions for Top Executives
Speaker: Rick Boothby, Executive Benefits Specialist, CUNA Mutual Group

Executive Benefits programs align your executive’s long term interests with your credit union’s long term objectives helping to ensure the credit union and the executive are working towards the same goal. These programs balance the credit union’s fiduciary obligation to their members while providing a robust rewards package to their executives. The most successful organizations offer long term incentive-based compensation packages, aligning both parties’ interests. Recruiting top talent, rewarding those on the executive team and retaining your management team helps facilitate a smooth transition and aids in succession planning. Supplemental Executive Retirement Plans can be a vital component of their total retirement plan solution. Learn the different plans that are available to help keep and provide the financial security for your credit union's top management. Hear how other credit unions successfully design and finance non-qualified programs. 

T302 –  Funds Transfer: New Emerging Risks
Speaker: Roger Nettie, Product Support Manager, CUNA Mutual Group

This session will focus on a review of the growing fraud trends involving electronic payments, such as the recent HELOC and wire transfer scams. We’ll look at how the fraud occurs (including actual claim examples) and how you can help prevent it from happening at your credit union.

T303 – Building Members from Indirect Borrowers: Lessons Learned
Speakers: Heather Thiltgen, Vice President, Consumer Segment Programs, CUNA Mutual Group and Pierre Cardenas, Amplify FCU (TX) 

Indirect borrowers tend to have thin relationships with their credit unions and many are marginally profitable. As a result, some credit unions are considering discontinuing their indirect lending programs. However, indirect borrowers are a major source of credit union growth and indirect lending is here to stay. Learn about recent strategies that successfully turned indirect borrowers into multi-relationship, profitable members. 

T304 – Surviving the Workforce Crisis
Speaker: Natalie Manor, President, Natalie Manor & Associates

Shortages are looming in the near horizon. This happens when your workforce growth slows, the baby boom retirement wave begins and education fails to keep pace with the demands of the new jobs. The "Perfect Storm" of the trends puts business owners on very uneasy ground and will make it difficult to anticipate the compounding effects that will take place. Combined with a highly diverse demographic composition (age, gender, ethnicity, country of origin, education level, family status, ambition, wealth needed for retirement, and corporate loyalty), we will be facing a workforce crisis. This session will help you build a talent pool of leaders and people to help you implement today's business strategy and achieve tomorrow's goals. The session objectives include: Learn 7 steps to increase attractiveness to young workers; learn 6 steps to become more attractive to experienced, mature workers; use objective data to understand and manage a highly diverse workforce; and recognize and define key components of talent management. 

T305 – Serving Latinos: Two Credit Unions Share Their Experiences and Successes
Speakers: Maria Martinez, President, Border FCU (TX); Manuel Rodriguez, IT Manager, Border FCU (TX);and Hal Coxon, Vice President, Sales & Marketing, Consumers CU (IL)

We are all aware that credit unions must embrace the ever-growing, important Latino segment of the population, but what are some of the things your credit union must do in order to be successful and to truly provide the services and experiences Latinos are looking for in a financial institution?

This session will review Border FCU’s technology solutions to meet the needs of the Latino population while still meeting the needs of its English speaking members. We will also explore how Consumers Credit Union in Illinois began their journey to serve Latinos in their community, where it has taken them and what you can learn from their experiences. Whether you are already serving Latinos or know that your credit union must serve this important segment, you won’t want to miss this session. 

T306 – Make Credit Union "Membership" Meaningful! 
Speakers: Paul Hazen, President and CEO, National Cooperative Business Association; Mark Meyer, Executive Director, Filene Research Institute 

As the financial services industry clouds with competition, consumer inertia and commoditization, the cooperative structure can be a significant competitive advantage for growth. In this thought-provoking discussion:
• Explore the power of the cooperative structure.
• Learn the necessary ingredients in helping your members understand their ownership and the value of participating in a cooperative.
• Study experiences of other successful cooperative experiences. 

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Thursday, June 19, 2008
3:30 – 5:00 p.m. 

T201R – Lending Regulatory Update
Speaker: Bill Klewin, Director, LOANLINER Product, CUNA Mutual Group

Congress and the Federal regulatory agencies have been very active adding regulatory requirements and proposing changes to existing regulations. The face of lending is changing at the same time, with more emphasis on remote transactions. This session will focus on the changing lending environment, including technology advances, regulatory changes, and how the two interact with each other. Among other things, we will discuss the move to paperless lending, proposed changes to Regulation Z, electronic disclosures, and ways credit unions can benefit from these changes in meeting their members' needs. 

T400 – Reaching the Youth Segment and Growing Your Membership
Speaker: Tom Glatt, Glatt Consulting, LLC

Recruiting the youth market starts at the board level. Meet Justin Ho, a 21-year-old board member at USC FCU and Gen-Next/Strategy Consultant at Glatt Consulting, LLC. Hear how his work regarding reward-based credit cards, student lending, and Gen-Next marketing initiatives from a board member perspective have helped the USC FCU and other credit union clients take the first step to attracting and retaining members within this demographic. 

T401 – Controlling Property and Liability Risks at Your Credit Union
Speakers: Jim Hunt, Underwriting Specialist, CU Protection, and Gary Pate, Director, Insurance, Compliance and Risk Management, CU Protection, CUNA Mutual Group

Credit union loss potential is beyond the loss of money or fraudulent financial transactions, it can also arise from the management of your property and operations. In this session, we will focus on the implementation of risk controls of your building, premises and operations, understanding the risks and how to prevent or reduce losses. 

T402 – Student Lending: A Changing Game
Speaker: Jeff Meyer, VP, Product Executive, CUNA Mutual Group; Greg Stringer, SVP, Great Lakes Educational Loan Services, Inc.

With the desire to grow their share in the youth segment, many credit unions are looking at student lending as a point of contact. The student loan market is experiencing significant growth, change, and scrutiny. This session will look at the student loan market, the trends, the changes in the market, and suggestions on ways for credit unions to approach the student loan market. The session will touch on both Federal and Private student loans. 

T403 – The Impact of Regulatory Changes on Credit Union Boards of Directors
Speakers: Carl Stewart, Central Bank of Trinidad & Tobago, Ltd.; Carlos Sesma, Sesma, Sesma & McNeese, SC; and Melvin Edwards, Chairman, WOCCU

In this session, discussion will explore-
• How increased regulatory expectations and scrutiny are impacting the skill sets required from directors;
• How these skill change requirements are impacting the make-up and functioning of the Board; and
• Practical feedback from current and past directors on how the role of the Board itself has evolved in response to the changed regulations. 

You will leave with a view as to how emerging changes to credit union regulation in various international markets is leading to a different look on credit union boards. 

T404 – “Rethinking Underserved": The Risks and Opportunities of Sub-Prime
Speaker: John Lass, SVP, Corporate Strategy & Transition and Sean Fallon, VP, Product Development, CUNA Mutual Group

This session will examine the risks and opportunities of lending to the near-prime and sub-prime markets and will explore some of the best and worst practices that have emerged in recent years. 

T405 – Alternative Capital – Why Not?
Speaker: Jerrie Lattimore, Administrator, North Carolina Credit Union Division and NASCUS Capital Modernization Subcommittee Chairman, NASCUS

NASCUS has long supported the concept of alternative capital for credit unions. In an effort to advance alternative capital, NASCUS has supported two papers on alternative capital – a NASCUS white paper which illustrates equity and debt models for alternative capital and a report authored by the Filene Research Institute which synthesizes existing research about alternative capital. 

Attend this session to learn the nuts and bolts of the latest on why alternative capital is a viable method for credit unions to build net worth. By attending, you’ll also join the dialogue on capital reform - one of today’s essential credit union issues. 

T406 - Corporate Culture: Revealing the Unspoken Conversations & Myths that Drive Your Organization
Speaker: Neil Goldman, President, Member Research

By definition, the corporate culture is comprised of the “shared basic assumptions about the correct way to perceive, feel and act” within a credit union--and every organization has them. These driving assumptions can have an unseen, but powerful impact on success—and failure—of current or proposed initiatives.

This session will help you look at your credit union, its current programs and processes and even future decisions in an entirely new way. This session will also highlight an assessment process you can use to identify your own credit union’s culture, and then explore how it helps or hinders current or proposed initiatives moving forward. 

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Friday, June 20, 2008  
8:30 – 10:00 a.m. – Platform Sessions 

F100 – Mergers: CEOs’ First Hand Experiences & Answers
Speakers: Facilitator: Doreen Burton, Strategic Consultant for Credit Unions,
Burton Credit Union Consulting; Panel: Hank Barrett, CEO, Valley First Credit Union; Sean Rathjen, President, Consumers Credit Union; and Kim Sponem, President, Great Wisconsin Credit Union

Flip to any business page in any paper across the country. There’s a story a day about a merger. It’s part of one company’s business plans, and another company’s greatest fear. Smart organizations have a discussion about it every year at strategic planning time.

Credit unions represent all of those organizations—the planners and the “aware but not yet doing it”. Mergers used to be something murmured in hush tones! But merger certainly doesn’t mean failure or death of the commitment to a community, credit union or cherished members. Given growth strategy alone, it’s logical that more and more credit unions entertain a merger—from desire or fear.

Take a walk with real credit unions CEOs’ specific merger activities and observe how they achieved their goals. A panel of credit union CEOs, active in mergers will discuss their merger experiences and provide the opportunity to answer your questions. See how their strategic plan drove merger growth strategies and translated into highly talented business development. 

F101 – Developing Gen Y Members for Life: Technology Required!
Speaker: Scott Klososky, President, FPOV, LLC; Austin Klososky and Kristin White, FPOV, LLC 

Being able to develop lifelong customer relationships can be a huge driver of profitability. Technology provides a new set of tools that can be used to attract kids, intrigue teenagers and satisfy adults. Scott Klososky provides a completely unique viewpoint as to how the Internet and internal digital infrastructure can be used to build a new kind of relationship. This presentation is critical to the credit union industry because Scott’s ideas and concepts can be used to tighten relationships with members in new and powerful ways. Joining Scott on stage will be his 10- and 16-year old children who will demonstrate what it takes to attract them as members. Learn how to invest wisely in member facing technologies that can help you compete in a market that is becoming increasingly difficult. 

F102 – In Debt We Trust: From Monopoly to Mall Madness in the Credit Card Nation
Speaker: Dr. Robert Manning, Research Professor and Director, Center for Consumer Financial Services, Rochester Institute of Technology

America’s attitudes toward credit and debt have experienced a profound transformation over the last three decades of the deregulation of the U.S. banking industry. As the banks’ best customers have changed from those who pay off their loans as soon as possible to those who are perpetually in debt, America has witnessed an historically unprecedented rise in household debt levels and record low consumer saving rates. This presentation reviews the history of America’s attitudes and behaviors toward saving and debt, the role of bank mass marketing in changing consumer attitudes toward “good” versus “bad” debt, the impact of “easy credit” following the deregulation of retail banking and consolidation of the credit card industry, changing patterns and debt levels of American households, the rapid growth of the “near bankrupt” (employed with soaring debt burdens), sub-prime mortgage debacle, and the future consequences of the “Double Financial Bubble.”

The presentation continues with a discussion of Dr. Manning’s prediction in fall 2005 of a “consumer-led” recession in summer 2008 that includes findings from his national 2007 household study of consumer spending attitudes. Finally, the presentation examines his innovative “Responsible Debt Relief” program that promotes responsible lending and repayment practices as a practical tool for easing the financial pain of the US recession on credit union members. Dr. Manning concludes with a “call to action” for the credit union community to seize the opportunity of this period of economic turmoil to demonstrate that the “other path” of retail banking is essential to the long term health and financial stability of America.

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Friday, June 20, 2008
10:30 a.m. – Noon 

F200 – Credit Unions as Good Corporate Citizens
Speaker: Joaquin Hernandez, Cooperative San Jose; Ronald Bobb, Eastern Credit Union

Credit unions in both the English and Spanish speaking islands play vital roles in the communities they serve. In this session, issues to be covered include-
• How credit unions utilize their community contributions to emphasize their unique nature; and
• How their social role can assist in driving greater business opportunities. 

You will leave with thoughts on how credit unions in the Caribbean differentiate themselves through their role as a member of their communities. 

F201 – Worker’s Compensation – Loss Prevention: Protecting the Safety of Your Employees from Workplace Injury
Speakers: Jim Hunt, Staff Underwriting Specialist, CU Protection, CUNA Mutual Group, Speaker Kurtis Salter, Account Consultant, and Alfred Filiaggi, Loss Prevention Manager, Liberty Mutual and Paul Bedrosian, Liberty Mutual.

Employee workplace injuries can cause stress, burden and pain on the employee, credit union operations, services, as well as cost of doing business. This session will provide some insight from the expertise and experience of a Workers Compensation issuer for workplace safety and disability management. 

F202 – Sustaining and Growing the Non-Interest Income Engine
Speakers: Bob Larson, Financial Support Consultant and William Ganzenmuller, Financial Support Consultant, CUNA Mutual Group; Cecelia Homison, CFO, Florida Commerce Credit Union

The yield curve has impacted credit unions’earnings. What other areas of the income statement can be used to leverage the declining net-interest margin? Learn from industry professionals the strategies to keep this revenue stream thriving. What are the industry trends and the impact of pending legislation on overdraft fees? Attendees will hear from industry CFOs who have been “best of breed” on how to maximize non-interest income and what they are looking at for future non-interest income. 

F203 – The Essential Executive Benefit of the Future: Long Term Care Insurance
Speaker: Michael McNerney, Senior Long Term Care Representative, CUNA Mutual Group

In today’s competitive labor market, a strong benefits package is one of the most effective tools you can use to attract and retain qualified employees. Not only does it raise the overall value of compensation, but it helps promote loyalty, peace of mind and a sense of well-being among your workforce. It’s likely that you offer health, life and disability insurance as well as a retirement program that encourages your employees to save for the future. But did you know that there’s another important benefit you should be offering? From start-ups to Fortune 500 companies, employers across the country are already making it available—and it promises to be an essential part of every employee package in the near future. That benefit is Long-Term Care Insurance. For many employers, Long-Term Care Insurance is the cornerstone of a solid benefits package because it offers employees an affordable way to help protect the retirement savings you’ve helped them build. 

F204 – The Young Adult Market - Strategies to Fuel Growth
Speaker: Kris Wickline Consumer Program Manager, 18-30 Market, CUNA Mutual Group; Josh Jones, Manager - Young Adult Programs, Center for Personal Finance, CUNA & Affiliates

It’s no secret that credit union share of the young adult market, those aged 18-30, lags that of other financial institutions. Nationally, credit unions have their lowest membership penetration among this age group. Yet, since they are near or in peak borrowing years, it’s a crucial market to fuel growth and profitability. Understand the segment’s core needs, key product solutions, buying behaviors, channel preferences and communication dynamics. Learn practical strategies, first hand, from credit unions that have success in attracting and penetrating this market. 

F205 – Securitization Risk Mitigation Techniques Influence on Markets 
Speakers: Alan Bahr, Director of Secondary Markets, CMG Mortgage Insurance, and Robert Tort, Director-Private Label Solutions, PHH Mortgage

Many financial institutions have reduced or curtailed their mortgage lending businesses after recent increases in borrower defaults. How did so many sources of capital dry up and what can be done to prevent the same from happening again? Key to answering these questions is an understanding of the role secondary markets play in mitigating risk and providing liquidity. 

F206 – Challenges & Solutions for Developing Multi-Channel Lending Strategies to Maximize Member Experience and Minimize Costs
Speaker: TBA

Are you wrestling with how to offer the multiple access channels members demand, without increasing your cost structure? Learn through this panel of industry experts and credit union executives what credit unions are doing to address the issues surrounding multi-channel access including how to drive members to the most effective, efficient channels to meet their needs while maintaining a consistent member experience across channels. 

F207 – Financial Planning for the Middle Class:  The Time Has Come
Speaker:  Bryan Link and Bill Grizack, BrightLeaf Financial Network, LLC 

For the first time in the post-War era, middle class Americans are not benefiting from the U.S. economy’s prowess. Incomes are flat while costs of living are increasing, resulting in soaring personal debt levels and negative savings rates. Bottom line: middle class members face current and future financial challenges they are ill equipped to handle, and they need help. They need advice. They need a plan.

What should credit unions do? This session will explore a new credit-union led initiative that offers credit unions an anwer: become the source for trusted financial advice to the heart-and-soul of the credit union movement—the Middle Class.  

F208 - Executive Dialogue - CUNA Mutual Update
Speaker:  Jeff Post, President/CEO, CUNA Mutual Group

CUNA Mutual President & CEO Jeff Post will provide a brief update about CUNA Mutual, answer questions about the company, and host an open dialogue around the issues important to credit union leaders.

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Friday, June 20, 2008
1:30 – 3:00 p.m. – Platform Sessions 

F300 – Extra! Extra! Credit Union Story Needs Telling
Speakers: Moderator: Frank Diekmann, Editor, CU Journal; Jon Paradise, Maine Credit Union League; Mark Holmes, Eastern Financial Florida Credit Union and Rick Uhlmann, CUNA Mutual Group

Public Relations can be a powerful tool in communicating the value your credit union provides consumers. Hear from your industry counterparts who effectively deliver their credit union’s stories and how they’ve benefited. Hear also how bad, or a lack of P.R. can hinder you in competing in today’s financial services marketplace. Panelists will provide examples of how, at very little expense, you can communicate to members and potential members the value your credit union brings to them and their community.  

F301 – Scoring a 10: “Wowing” Members for Loyalty and Growth
Speaker: Neil Goldman, President, Member Research

This session will share 10 key ways to “wow” your members (and earn a 10 rating on a 10-point scale) and the deadly sins that drive them away. Marketing has been defined as the function of “building value laden relationships with [members].” This session will give you tips and tools to understand how you can build relationships for loyalty and growth, and what to watch out for—internally and at the competition—when relationships are strained. Under the adage, “you can’t manage what you don’t measure”, time permitting, this session will share some key ways to monitor member experiences to assess loyalty and satisfaction. 

F302 – Collaboration – Bringing an Old Concept to a Fresh Landscape
Speaker: Facilitator: Mark Meyer, Executive Director, Filene Research Institute; Panel: Jeff Kline, President/CEO, MEMBERS Development Company, LLC; Brooke VanVleet, First Tech Credit Union; and Ted Thames, Cornerstone Financial 

Cooperatives outside the US, as well as banking institutions within the States, have utilized collaborative operating models for some time. Recently, credit unions have discovered the potential value of a collaborative arrangement. In this session, we will discuss:
• How collaboration has been utilized in the bank holding company market;
• How credit unions have leveraged lessons from other markets to enhance their competitiveness; and,
• How individual credit union leaders have implemented collaborative concepts in practice and the benefits they have seen as a result. 

You will leave with a view of how collaboration has evolved in bank holding company and cooperative markets in the past, and how this is now translating to the credit union space.

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Friday, June 20, 2008
3:30 – 5:00 p.m. – Platform Sessions 

F400 – Multi-Platform Payment Fraud: Criminals Targeting Your Weakest Link
Speakers: Ann Davidson, Product Expert, Credit Union Protection, CUNA Mutual Group;  Nancy Grant, Senior Director, Research & Standards, National Automated Clearing House Association (NACHA)

Payment fraud is evolving in many areas: plastic card, ACH, and paper checks. Criminals are more savvy in finding techniques to foil the controls or find the areas of least resistance in their fraud attempts. This session will provide information on emerging trends, current fraud and how to better identify and prevent fraud. 

F401 – LOL - ?U@ - BCNU: Learn Their Language to Boldly Lead the Gen X, Y & Boomers
Speaker: Cheryl Cran, President, Boldly Grow a Workplace of Choice 

This is the first time in our history when four generations are in the workplace. What you don’t know about the generations will hurt your organization. If you’re not getting the results you want, it may be that the generations aren’t getting along. These people aren’t purposely trying to tick you off!

This presentation will help everyone in your credit union to get faster results by getting the generations working together. This session reveals how to lead and work effectively with different generations and personalities…and have fun doing it!

With humor, energy and interactivity this presentation provides motivation, content and techniques to help you learn:
• How to communicate with a wide array of different personalities
• How to lead and communicate with the different generations
• Why advanced interpersonal skills are crucial to success in the workplace
• How to interact with others in a way that creates greater results and less stress 

F402 – Credit Unions – Going Green!
Speaker: Paul Todd Merrill, Clayco Corporation; Joni Walker, SVP, Marketing, Missoula Federal Credit Union; Jason Bauer, VP, Marketing/E-Commerce, Boulder Valley Credit Union

More and more companies are taking a look at “going green,” as public awareness and concern over environmental issues becomes more prevalent. Whether you are planning to build a new branch, or just seeking ways to “go green” in your current home office or branch, this session will have you thinking of ways to be more environmentally friendly and “give back” to your community. We will examine ways credit unions can conduct business in a more environmentally friendly way.

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Saturday, June 21, 2008
8:30 – 11:00 a.m. 

S100 – Closing Breakfast and General Session
Keynote Speaker: Peter Sheahan 

Closing the 2008 Discovery Conference is Peter Sheahan, a leading expert in workforce trends and generational change and a recognized young entrepreneur and speaker (including the 2006 Australian Keynote Speaker of the Year). He is the author of Generation Y: (Thriving and Surviving) with Generation Y at Work and his new work, FL!P which focuses on how the power of creative and lateral thinking can be harnessed to revolutionize innovation in business. This session is a must for any leader who wants to stay on the cutting edge, differentiate your offering and “future proof” your business. Peter clearly understands what it takes to be successful in a rapidly changing business world populated by Gen Y in the workplace and the marketplace and has the unique ability to identify areas of untapped potential, develop that potential into performance, then engage with key individuals at all levels to make it a reality. You will be inspired, informed and lead ready to blitz the challenges that lay ahead. 

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