Presented By
Gold Sponsors
Come Visit FSI at Booth #82
Trust
in our commitment.
For more than five decades, FSI has provided unwavering dedication to the financial industry. As innovators, we developed banking systems that were efficient, intuitive, and affordable. As time changed available technologies, FSI continued to lead the way, updating our products and adding to them as new possibilities emerged, while remaining completely dedicated to the partnerships we formed over the years and nurturing our new relationships. What will financial institutions find at today’s FSI? They will find hundreds of committed professionals delivering the most sophisticated and flexible data and item processing solutions available. It is FSI’s goal to fully serve credit unions’ needs - deliver refined and innovative products and services that will keep you consistently ahead of the curve, while keeping your costs in line. Put your trust in a company that offers stability, strength and commitment. You’ll find your trust well placed! For more information, call us toll free at 888-374-6200 or visit our website at www.insideFSI.net.
• Core Processing • Item Processing • Integrated Packages • Corporate & Branch Capture • Board Portal - Director Access • OFAC & Patriot Act Solutions • Web Hosting & Services
21 Harristown Road, Glen Rock, New Jersey 07452 201.652.6000 • 888.374.6200 • www.insideFSI.net
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Silver Sponsor
Parsing
the Credit Union difference
By Rob Kimmet The credit union difference is real, tangible and meaningful. Unfortunately, it isn’t always easy to put into words. Lack of a clear, universally accepted description of the credit union difference has sparked some disagreement among credit union supporters. This disagreement then plays into the hands of a banking lobby that constantly twists the idea to suit its own narrow interests, especially when attacking the credit union tax exemption. Credit unions most commonly are defined as “not-for-profit, democratically controlled financial cooperatives.” This legally mandated structure is the basis for the tax exemption. Additional distinguishing attributes – favorable rates, great service, community involvement and charitable contributions – create an even better understanding of what a credit union is. The credit union standard of citizenship outstrips most businesses’ and lends credibility to their structural advantages. But good works alone don’t entitle a business to tax-exempt status. When the credit union tax exemption is challenged, it isn’t effective merely to cite donations to the Little League or neighborhood free
clinic. Taxed, for-profit entities say they give to charity, too. Instead, credit unions must draw a link between their structure (from which the tax exemption comes) and the good work they do daily, supporting members and communities. The positive social benefits credit unions deliver then stand testament to the tax policy decision to allow not-for-profit, democratically controlled financial cooperatives to operate in the U.S. Parsing the credit union definition and relating the following three component ideas to the benefits they provide is an effective way of communicating the link between the unique tax-exempt structure of credit unions and the tremendous benefits they bring to their communities. No profits Credit unions’ not-for-profit status distinguishes the credit union as a business existing for a purpose other than enriching its owners. The purpose of credit unions is to provide high-quality, low-cost financial services. Conversely, the purpose of for-profit institutions is to generate profit. If they provide good products and services while doing so, it’s an added benefit.
Because credit unions are not-for-profit, revenue – ordinarily handed to third-party owners as corporate profit – instead is returned to members by improving product, price and service. Democratic control Perhaps the least understood component is the idea of democratic control. While it’s powerful and important, the notion that a consumer has the opportunity to voice equal control over the future of his or her financial institution is outside the experience of most consumers. Democratic control ensures that the credit union will be run for the benefit of all its members. Democratic control makes the credit union a part of the communities it serves rather than an engine of profit. Credit union members, who determine the future of the credit union, have no better use for its capital than to continue the credit union’s mission of service to the community. Stockholders who own a bank, however, always are looking for ways to make the bank more profitable, including merging or selling out of a market. Financial cooperative The last of the three core components of the definition is the idea of the credit union as a financial cooperative. A cooperative business is established to benefit all of its members/owners. This notion has been with the credit union movement since its inception and clearly separates credit unions from all other financial businesses. Credit unions are the most successful and widespread cooperative businesses in the U.S. This form of ownership provides a useful and essential check on the conglomerates exercising increasing control over retail commerce. Businesses run by and for the people who use them set pricing and service benchmarks benefiting all consumers. Ultimately, if the many defenders of the credit union difference can agree on the basic elements of their arguments and then speak with one voice, the message will be heard loud and clear by consumers, policy makers and the financial services industry. Separating core concepts that define the credit union difference from characteristics is a good place to start. Rob Kimmet is senior vice president of
At its core, a credit union is a fundamentally different sort of financial institution. It is a not for profit, democratically controlled, financial cooperative. Each of those three characteristic brings unique advantages to the people who do financial business with a credit union. marketing for the Massachusetts Credit Union League. Contact him at 800-842-1242 or at rkimmett@cucenter. What is a Credit Union? At its core, a credit union is a fundamentally different sort of financial institution. It is a not for profit, democratically controlled, financial cooperative. Each of those three characteristic brings unique advantages to the people who do financial business with a credit union. Because they are not-for-profit businesses, credit unions are not focused on maximizing profits – they are focused on service. So your credit union is constantly looking for ways to improve service and operate efficiently to make sure you get the best possible deal. Credit unions are democratically controlled.
Members are invited to attend credit union annual meetings and are responsible for electing a volunteer board of directors to represent them. Other financial institutions have boards elected by stockholders, who are focused on maximizing profits. And if that means selling out to a competitor or leaving a neighborhood or town, well, that is just what they will do. A cooperative business follows a model that is built on serving the needs of its users. Members-centered product development and community involvement is central to the philosophy behind every credit union. A credit union is a financial institution that treats its members like they own the place, because they do!
800-287-3379 www.cualliance.com 800-287-3379 www.cualliance.com
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Delivering Value and Expertise
Customer Commitment
CUAlliance professionals are focused on delivering Delivering Valueand andsuperior Expertise exceptional service coverage. We work to understand your individual needs and CUAlliance professionals are focused on delivering craft the best insurance solution coverage. at competitive exceptional service and superior We prices. experience knowledge, coupled work to Our understand yourand individual needs and with our to our customers, enables us craft the commitment best insurance solution at competitive to proactively identify inadequate or unnecessary prices. Our experience and knowledge, coupled coverage and recommend just the right coverage for with our commitment to our customers, enables us you. to proactively identify inadequate or unnecessary coverage and recommend just the right coverage for you.
Being your trusted advisor and providing you with Customer Commitment peace of mind is our number one goal. Our experts will make the process easy as possible for you Being yourentire trusted advisorasand providing you with by providing unsurpassed service, expedited claims will peace of mind is our number one goal. Our experts and customer advocacy. we adhere to make the entire process At asCUAlliance easy as possible for you theproviding highest standards of excellence, integrity claims and by unsurpassed service, expedited professionalism in all our relationships. and customer advocacy. At CUAlliance we adhere to the highest standards of excellence, integrity and professionalism in all our relationships.
CUAlliance will be at the Greater New England Credit Union Show
See us at booth #18!
Show Schedule Monday, April 19, 2010
Exhibitor Booth Set-up . ................................. 12:00pm - 6:00pm Exhibitor Reception (cocktails and hors d’oeuvres) . ................. 4:00pm - 5:00pm
Tuesday, April 20, 2010
Exhibitor Setup ................................................. 6:00am - 8:00am Show opens for All Attendees . .................................8:00am Attendee/Vendor Complimentary Breakfast ............................. 8:00am - 8:45am Grand Ballroom SBA 101 ........................................................9:00 a.m. - 11:00 a.m. U.S. Small Business Administration More credit unions are extending their reach to the small business community. Here’s a primer on how to do business with the U.S. Small Business Administration, and how to safely grow your credit union’s business loan portfolio. Making The Most of Director’s Room Housing Partnership Finance.................. 9:00 a.m. - 9:45 a.m. Federal Home Loan Bank of Boston The Mortgage Partnership Finance program gives members of the FHLBank System a competitive alternative to selling their mortgages to secondary market agencies. Learn how the MPF Xtra product enables member financial institutions to offer competitive interest rates for long-term, fixed-rate mortgage loans, without assuming any of the credit risk associated with a credit-enhancement obligation. Member institutions do not retain credit risk for loans sold under the MPF Xtra product, there are no risk-based capital or credit-risk collateral requirements, and there is no leverage capital requirement. The MPF Xtra product offers member institutions an attractive alternative for selling first mortgage loans that they originate, allowing them to take advantage of a product designed to transfer loan risks to the investor. Maximizing Member Relationships Director’s Room to Drive Service and Sales........................ 9:00 a.m. - 9:45 a.m. Econiq Imagine this … a simple, smart way to improve the service you deliver to your members while increasing cross sales from frontline employees by at least 25%. Every day your members tell your staff about things that are going on in their lives; important nuggets of information that if used correctly can help to effectively match the right service and sales offers with the right members. You will learn simple, smart but immensely impactful ways to systemically use and analyze the life event information your frontline knows about your members, and the dormant data you have in your internal systems, to drive service or sales prompts to the frontline for action or automated referrals to other divisions of the business for follow up. Making Minority Seminar Room Marketing Work......................................... 9:00 a.m. - 9:45 a.m. New England Financial Marketing Association Learn from a case study. We’ll take a look into HarborOne Credit Union’s MultiCultural Banking Center: A progressive and highly successful business model for bringing the un and under-banked into mainstream banking” Presented by Leo MacNeil, senior vice president, HarborOne Credit Union. Building Measurable Exec Benefits Colonial Room Plans That Assure Due Diligence............. 9:00 a.m. - 9:45 a.m. Burns-Fazzi, Brock & Assoc. Strategies to reward your executive talent don’t have to be as complex as you may think. We’ll discuss different aspects of effective compensation in the Credit Union market, including:
• Description of competitive compensation programs • Current survey information from various sources showing what peer
Credit Unions are providing • Discussion of risks to consider when developing a program and ways to mitigate those risks
• How to build the right compensation program for your Credit Union
to ensure alignment with Credit Union goals • Board due diligence necessary to guarantee the safety and soundness of the institution • How to measure the success of your program – calculating the Return on Human Capital Executive Comp: Attracting and Seminar Room Retaining Talent and Leadership......... 11:15 a.m. – 12:00 p.m. Kaeding Ernst & Co. Within the Credit Union Movement, there is now heightened competition for leadership talent that blurs the lines between the Credit Union Movement and the rest of the financial services sectors. Many former bankers are now credit union CEO’s, CFO’s and senior lenders. The importance of attracting and retaining the talent required to deal with the increasing complexity of today’s business and regulatory environment makes programs like SERP’s (Supplemental Executive Retirement Plans) more important than ever. The presentation will focus on executive compensation with emphasis on SERP’s, carve out long term care programs and the legal and regulatory issues related to them. This program will provide insights into the advantages and disadvantages of the plans and their funding. Troubled Debt Restructuring: Making the Connection Between Colonial Room Accounting and Lending.................... 11:15 a.m. – 12:00 p.m. Wolf & Company, P.C. Attendees of the session will: Learn how you can help bridge the communication gap between Finance and Lending; Identify loan modifications that qualify for Troubled Debt Restructuring; and Determine how continued accounting effects your financial statements. Director’s Room Talent Management 2010...................... 11:15 a.m. – 12:00 p.m. New England College of Business & Finance Are your employees engaged, motivated, and happy? In these challenging economic times, this question is more relevant than ever. Focusing your limited resources on keeping your employees productive and feeling valued will improve company production and retention, thus reducing the cost of employee turnover. Learn the 5 principles—that don’t require financial investment— that can help you retain and groom talented employees: Develop a clear Career Path within your organization, Preserve your organization’s future by Succession Planning, Monitor progress by Employee Performance Planning, Educate through Employee Development Planning, Maintain your company’s competitive edge through Communication and Feedback. Do not miss this opportunity to discuss and share how to educate, and professionally develop your employees so your organization will continue to thrive and prosper. Buffet Luncheon for All Attendees & Exhibitors.........................12:00 p.m. - 1:15 p.m. CEO/CFO Luncheon (invitation only) Alternative Capital Solutions Colonial Room For Growing CUs. ...................................... 1:15 p.m. – 2:00 p.m. Stifel Nicolaus The competitive landscape for financial institutions is in upheaval, and credit unions are poised to be big winners. But growing market share, expanding boundaries, and adding new services requires solid regulatory capital support. However, credit unions are currently restricted to raising capital only through retained earnings, a challenge when earnings are under pressure. That’s why credit union trade groups are lobbying Congress for the power to raise muchneeded capital. This session will include a straight-talking analysis of legislative progress toward alternative capital solutions for credit unions, and look at issues Credit Union CEOs are facing as they decide how best to serve their members and communities. Raffle.............................................................................. 2:15 p.m. (for credit union executives only and must be present to win) Exhibit Hall Closes....................................................... 2:30 p.m.
FOR ALL THE RIGHT REASONS FOR ALL THE RIGHT REASONS
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CEIS REVIEW INC. Professional Services for Bankers by Bankers
Toll Free 888.967.7380 www.CEISREVIEW.com Offices: York,Maine, Maine, Florida, Carolina Offices: New New York, Florida, NorthNorth Carolina, Illinois
The GreaT New eNGlaNd CrediT UNioN Show april 20, 2010 holiday inn, Boxborough, Ma
Nicholas Barrett & Cummins-Allison Innovative Business Valley Corp. Associates Systems, Inc. Communications (13) (12) (14) Systems, Inc. (15)
Donnegan Systems (11)
PowerPay (16)
The Warren Group (17)
CUAlliance (18)
Southern Auto Auction (19)
O.M. Financial Group (20)
Lighthouse Computer Services, Inc. (77)
CUERA (76)
Focus Technology Solutions (60)
Avista Solutions (59)
SWBC (43)
PCLender.com (41)
Franklin American (78)
NEACH (75)
Stifel Nicolaus (61)
Primax (44)
Innovative Card Services, LLC (40)
Credit Union Insurance Resources, LLC (9)
New England College of Business and Finance (58)
Calyx Software (79)
Radian Guaranty (74)
Auto Auction of New England (62)
PHH Mortgage (57)
John M. Floyd & Associates (45)
Deluxe Financial Services (39)
New England Design Associates (8)
Access to Money (80)
Specialized Data Systems, Inc. (73)
COCC (46)
Partners Benefit Group, Inc. (38)
Financial Service Centers Cooperative, Inc. (10)
Wolf & Company (63, 56)
CRI Solutions (22)
National Creditors Connection, Inc. (NCCI) (23) LEVEL5, LLC (24)
Geezeo (25)
Allied Solutions (7)
Burns-Fazzi, Brock (6)
New England Money Handling Systems (5)
Hill Creek Consulting, LLC (3) CUDL Auto Smart (2) Diebold (1)
Marquis Software Solutions (21)
Mortgagebot LLC (26) Zero In Media LLC (81)
FSI - Financial Services, Inc. (82) Fiserv Solutions, Inc. (83)
NES Group (72) Massachusetts Credit Union League (64, 55)
Financial Management Solutions, Inc. (71) GraVoc Associates, Inc. (70)
ICS Compliance Enterprise Car Sales (84) (69)
Kaeding, Ernst & Co. (85)
Econiq (86)
Winbrook (68)
Berry Dunn McNeil & Parker (87)
Reliable Technologies (65)
Cathedral Corporation (54)
Members United Corporate FCU (66)
(53)
(67)
MSIC (52)
i365, A Seagate Company (88)
MemberClose (47)
CUNA Mutual Group (37)
SilverTech, Inc. (48)
Lee & Mason Financial Services, Inc. (36)
Members Mortgage Company (49)
PSCU Financial Services (35)
Synergent (50)
Buckley Technology Group, LLC (34)
Magee Company (51)
Allanach Mortgage Group Corporation (33)
Parent, McLaughlin Money Management Credit Union On& Nangle, CPAs, International Line, Inc. Inc. (90) (91) (89)
CUMAnet, LLC (27)
NEFMA (28)
Raoust + Partners (29)
Garda Cash Logistics (30)
Mvi-Millennial Vision (31)
CO-OP Financial Services (92)
MortgageClick (32)
eNTraNCe 1 Diebold 2 CUDL Auto Smart TBD 3 Hill Creek Consulting, LLC 5 New England Money Handling Systems TBD
Resources, LLC Sporting Event Tickets 10 Financial Service Centers Cooperative, Inc. $50 Credit Union for Kids Gift Card 11 Donnegan Systems 12 Nicholas Barrett & Associates Wii
6 Burns-Fazzi, Brock Waterford Crystal
13 Cummins-Allison Corp. $100 American Express Gift Card
7 Allied Solutions TBD 8 New England Design Associates 9 Credit Union Insurance
14 Innovative Business Systems, Inc. Wii Fit Plus 15 Valley Communications Systems, Inc.
16 PowerPay 17 The Warren Group 18 CUAlliance - A subsidiary of Insurance Trust Wii System 19
Southern Auto Auction
20 O.M. Financial Group 21 Marquis Software Solutions 22 CRI Solutions Amazon Gift Card 23 National Creditors Connection, Inc. (NCCI) iPod
24 LEVEL5, LLC Lobster Dinner 25 Geezeo 26 Mortgagebot LLC 16 gigabyte iPod Nano 27 CUMAnet, LLC Visa Gift Card 28 New England Financial Marketing Association Apple iPod 29 Raoust + Partners $100 American Express Gift Card 30 Garda Cash Logistics 31 Mvi-Millennial Vision TBD 32 MortgageClick / Prime Alliance 33 Allanach Mortgage Group Corporation 34 Buckley Technology Group, LLC Digital Picture Frame 35 PSCU Financial Services 36 Lee & Mason Financial Services, Inc. Amazon Kindle 37
CUNA Mutual Group
38 Partners Benefit Group, Inc. 39 Deluxe Financial Services $100 Visa Gift Card 40 Innovative Card Services, LLC $100 Visa Gift Card 41 PCLender.com, Inc. 43 SWBC 44 Primax $500 Gift Card 45
John M. Floyd & Associates TBD
46 COCC 47 MembersClose 48 SilverTech, Inc. 1 Hour Post Show Website Consultation
49 Members Mortgage Company $100 American Express Gift Card 50 Synergent iPod Touch 51 Magee Company TBD
72 NES Group Golf Putter & Golf Balls 73
Specialized Data Systems, Inc. MP3 Player
74 Radian Guaranty TBD
52 MSIC Super Size Putter & Golf Balls
75 NEACH TBD
54 Cathedral Corporation
76 Credit Union Employers’ Retirement Association (CUERA) Red Sox Tickets
56 Wolf & Company (booth 1) 57 PHH Mortgage Digital Camera 58 New England College of Business and Finance A scholarship worth up to $50,000 could be yours! Enter the New England College of Business and Finance (NECB) raffle for a chance to win a scholarship that will cover the complete tuition cost of an online Associate’s, Bachelor’s or Master’s degree program at NECB. Visit NECB at Booth #58. Drawing will be one week after the conference.
Free Course for 10 people
59
Avista Solutions Gift Card
60 Focus Technology Solutions Netbook 61 62
Stifel Nicolaus Auto Auction of New England GPS Navigation System
63 Wolf & Company (booth 2) 65 Reliable Technologies TBD 66 Members United Corporate FCU 68 Winbrook TBD 69
Enterprise Car Sales GPS Garmun Model
70 GraVoc Associates, Inc. Kindle 71 Financial Management Solutions, Inc. Kindle
77 Lighthouse Computer Services, Inc. Signed New England Patriot Jersey - #57 Steve Nelson 78 Franklin American Mortgage Company 79 Calyx Software 80 Access to Money 81 Zero In Media LLC 82 FSI - Financial Services, Inc TBD 83 Fiserv Solutions, Inc. TBD 84 ICS Compliance TBD 85 Kaeding, Ernst & Co. 86
Econiq TBD
87 Berry Dunn McNeil & Parker Lobster Raffle 88 i365, A Seagate Company 89 Parent, McLaughlin & Nangle, CPAs, Inc. 90 Money Management International Kindle 91 Credit Union On-Line, Inc. TBD 92 CO-OP Financial Services Wine set 55, 64 Massachusetts Credit Union League
Gold Sponsor Profiles Burns-Fazzi, Brock -- a leading executive compensation and benefits consultant -- offers analysis, design, implementation, documentation, and administration services to the nation’s credit unions. Tailored solutions address specific needs within each credit union, most frequently to recruit, retain, and reward executive talent.
Econiq is a rapidly growing company that specializes in providing frontline sales effectiveness solutions that are proven to deliver a minimum 25% increase in cross sales. Econiq is different because it provides a systematic way to capture the everyday information members share with frontline staff. It analyses this information for cross sales and service opportunities and where there is a match it drives prompts to frontline staff about products and services appropriate to the member’s needs or refers the identified opportunity to another division of the business. Econiq brings the frontline relationship back into member sales and service. What’s more it because it requires no technical integration with existing systems, can be deployed in days and delivers results within weeks. Visit “http://www.econiq.com” www.econiq.com
Headquartered in St. Louis, Stifel Nicolaus is a leading investment banking firm working with credit unions, developing and executing a broad spectrum of proactive liability management strategies, fixed-income securities transactions, capitalraising strategies, and total balance sheet optimizations. Among our focus is serving non-profit corporations. We help municipalities, mutual savings banks, and other cooperatives raise capital to grow and better serve their constituents. New England College of Business and Finance New England College of Business and Finance (NECB) is a premiere institution with respected degrees and high-quality online courses that provide students with relevant skills and expert knowledge from business leaders. NECB provides stateof-the-art online courses, at the undergraduate and graduate levels, taught by a blend of seasoned practitioner and research faculty. The College has been educating the business community for more than 100 years. New England College of Business and Finance is accredited by the New England Association of Schools and Colleges (NEASC), and is licensed by the Massachusetts Department of Higher Education. For more information about NECB, visit www.necb.edu.
Kaeding, Ernst & Company is a leading provider of Employee Benefit programs throughout New England. Over the past 30 years the firm has cultivated a loyal clientele by delivering innovative state of the art solutions promoting the best interest of our clients. Whether in the arena of executive benefit plans or core benefit programs we strive to be valued business partners not just a vendor quoting a price. This approach has fostered strong client retention, client referral and the solid growth of the firm. Our work in the Credit Union Movement has earned high praise for which we are very grateful.
Wolf & Company’s financial institution practice is one of the largest in New England, providing over 180 institutions with accounting, tax, risk management, and business consulting services. Our clients range in size from $3 million to $9 billion in assets and benefit from our depth of knowledge, industry experience and the unequaled value our services provide in the form of practical solutions such as our online WolfPAC SM Integrated Risk Management service. With additional offices in Springfield, MA and Albany, NY, our local decision-making capability ensures that we are able to address the needs of our clients in a collaborative and timely manner.
Please Join Us
Save the Date – Fall Conferences Designed with your credit union in mind, Members United’s 2010 conferences promote exchange between subject-matter experts and participants, and are packed with actionable information.
Operations Outlook Conference October 18-20 in Albany, NY Economic Forum Choose November 3-5 in Oak Brook, IL or November 8-10 in Albany, New York
More Information Coming Soon www.membersunited.org
Gain an Informed, Competitive Advantage
Mortgage MarketShare Reports Provided by The Warren Group | www.thewarrengroup.com
Monitor, analyze and track commercial or residential lending activity with monthly, quarterly and annual Mortgage MarketShare Reports. The Warren Group gives you the ability to dissect and analyze the mortgage lending market as you define it: by time period, lending territories, geographic area, mortgage type, and mortgage amount. These reports allow you to view market trends, monitor competitors and measure your own market penetration. Tell us your objectives and we’ll supply the comprehensive reports that tell you what you want to know.
The Information You Need and More: • Measure sales performance against competition and market activity • Identify high-performing competitors • Locate and target emerging markets • Determine sales territories and quotas • Benchmark the productivity of originators and offices • Track market share trends and rankings • Demonstrate compliance with the Community Reinvestment Act
Custom Market Share Research Our Custom Market Share Research services can assist you with growing your business, managing your sales force and responding to rapid changes in the marketplace. They always provide a competitive advantage when making pivotal decisions under challenging market conditions.
Contact us Today! Call 617-896-5392 and speak with an Account Manager or email datasolutions@thewarrengroup.com
Are worries of payments risk management and compliance keeping you up at night?
Credit unions of all sizes
WE CAN HELP!
face a complex and growing number of challenges due to the economy, technology and of course criminal activity. Losses in payments processing due to account takeover, security lapses and insider fraud can have a significant impact on your credit union’s ability to maintain member loyalty and satisfaction.
NEACH provides essential services for credit unions including: � Risk management, compliance and audit services � ACH Rules guidance and operational support � Education and training
Contact NEACH today at
781.321.1011 or info@neach.org
� Payment strategy services � Marketing tools, and more.
The services you need from a partner you can trust.
Stop by the NEACH Booth #75 and pick up your FREE copy of NEACH’s new white paper highlighting the most important issues in developing a sustainable risk management program for your credit union’s payments processing.
See Us Today At
Booth #68