2017 DCUC ConferenceSan Diego, CAAugust 6-9, 2017

Final Program

Defense Credit Union CouncilAn association of credit unions operating on military bases worldwide serving Department of Defense military and civilian personnel.

Board of DirectorsDenise Floyd, Fort Sill FCU, OKChairman, Representative-at-Large

Frank Padak, Scott CU, IL1st Vice Chairman, Representative-

at-Large

Michael Kloiber, Tinker FCU, OK 2nd Vice Chairman, Air Force

Representative

Stewart Ramsey, Pen Air FCU, FLSecretary, Navy/Coast Guard

Representative

Bill Birnie, Pacific Marine CU, CATreasurer, Marine Corps

Representative

Gary Yonamine, Schofield FCU, HIMember, Army Representative

Jack Fallis, Global CU, WAMember, Representative-at-Large

2017 Defense Credit Union Council Committees

Credentials Committee:Edward Marvin, Randolph Brooks FCU, TX,

Chair

Randi Brooke, Pacific Marine CU, CA

Ryan Ross, Pen Air FCU, FL

Ron Aoki, Schofield FCU, HI

Resolutions Committee:David Van Rossum, Service CU, NH, Chair

Robert Dickerson, Marine FCU, NC

Neal Takase, Pearl Hawaii FCU, HI

Jennifer Binkley, Altura CU, CA

Teller Committee:Lori Reeves, Financial Partners FCU, CA, Chair

Tracey Smith, Infuze CU, MO

Sherry Cordonnier, Travis CU, CA

Hall of Honor Recognition Task Force:Patsy Stuard, Fort Lee FCU, VA, Chair

Fred Salyers, Security Service FCU, TX

Robert Hopper, Fort Sill FCU, OK

Frank Padak, Scott CU, IL (DCUC Board Representative)

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Defense Credit Union CouncilAn association of credit unions operating on military bases worldwide serving Department of Defense military and civilian personnel.

54th Annual DCUC Conference Sponsors

Executive Benefits Solutions

Final Program Back Cover

Corporate One FCUConference Pocket Schedule

SRMGolf Tournament

Bus Transportation

John M. Floyd & Associates

Golf Tournament Pictures

Lightbulb PressNational Anthem Singer

eZforex Sunday Refreshment Break

Allied SolutionsShowcase T-Shirts

IZALE Financial Group

Showcase Grand Prize

Crews & Associates, Inc.

Hall of Honor Reception Beverage Tickets

Route 66Name Badges

SWBCFinal Showcase Reception

DCUC relies on the generosity of our corporate partners to help enhance your conference experience.

Please be sure to thank these companies for their continued support of our DCUC Conference!

Armed Forces Financial NetworkChairman’s Welcome Reception

CO-OP Financial Services

DCUC Mobile APP

CUNA Mutual Group24th Annual VADM Vincent Lascara Golf Tournament

O.M. Financial GroupHall of Honor Dinner

Entertainment

PLATINUM SPONSOR

GOLD SPONSORS

SILVER SPONSORS

BRONZE SPONSORS

SPONSORS

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The Defense Credit Union Council: “Serving Those Who Serve Our Country” 2

601 Pennsylvania Avenue, NW

South Building, Suite 600Washington, DC 20004

202.638.3950www.dcuc.org

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DCUC-Letterhead-TOPRINT.pdf 1 1/6/17 2:52 PM

601 Pennsylvania Avenue, NW

South Building, Suite 600Washington, DC 20004

202.638.3950www.dcuc.org

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DCUC-Letterhead-TOPRINT.pdf 1 1/6/17 2:52 PM

Welcome to San Diego, California!

As the new President and CEO of the Defense Credit Union Council, it is a great

honor to greet all DCUC members, speakers, exhibitors, and guests to our 54th Annual

Conference on behalf of DCUC’s Board of Directors, management, and staff. We are

very excited you are here, and we look forward to making this week another great

DCUC experience.

We are very pleased our conference is in San Diego. The city hosts one of the largest

naval fleet concentrations in the world and is home to the U.S. Navy’s Pacific Fleet.

San Diego is also known as “America’s Finest City” and is popular due to its natural

beauty and near perfect weather featuring 70 miles of stunning beaches, over 260

days of sunshine, and lots of fun, urban adventures right outside our hotel.

Our theme this year, “Serving Those Who Serve Our Country,” is a motto that

captures our mission and highlights our relationship with our nation’s military and

their families. As such, our exceptional general and educational breakout sessions;

our sold-out Showcase with a Purpose featuring Purple Heart Homes, and our special

Hall of Honor Dinner focus on this theme. We have strong numbers and a diverse

group of attendees, a packed lineup of our industry’s best conference speakers, and

special tours available to our delegates, spouses, and guests. Most importantly, it is

seeing each of you again and watching as you reconnect with friends and colleagues

that make this week so special.

We thank you all for your committed support of your Council, and we hope your

conference experience is the best to date. We look forward to seeing all of you at

the Chairman’s Reception as we embark on DCUC’s 54th Annual Conference in

San Diego!

Sincerely,

Anthony R. “Tony” Hernandez

President/CEO, Defense Credit Union Council

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DCUC MOBILE APP Back by popular demand! Once again our conference app is available to download. View our conference schedule, information on sessions and speakers, special announcements, and interact with other attendees! Use the QR code below to download the app now; visit https://tiny.cc/DCUC2017 or search for Defense Credit Union Council in the App Store or Google Play. Once again, the top mobile app user* will win a special prize.

Sponsored by CO-OP Financial Services

HALL OF HONOR TABLE SEATINGReserve your table in advance for Tuesday’s Hall of Honor dinner by visiting the DCUC Registration Desk starting on Saturday morning.

NO SMOKING POLICYThe Hyatt Manchester is a non-smoking hotel. The state of California allows for smoking 20 ft. from any entrance and they have designated areas on the front drive for smoking.

TOUR BUS TRANSPORTATIONPick up/Drop off for golf and all tours will be at the Kettner Drive exit, located near Redfield’s Sports Bar, located on the lobby level of the Hyatt Hotel. Refer to our DCUC Mobile app for the hotel map.

WHAT TO WEAR Conference Sessions - Business casual

Tours – Comfortable shoes and summer clothing

Chairman’s Reception – This year, our Reception will have an Island Theme. Baja/Island attire is welcomed. Don’t forget your sunglasses, sun hats and sandals.

Hall of Honor Banquet – Coat and tie for gentlemen and cocktail attire for ladies is requested

MEDICAL EMERGENCIES Hyatt Security Officers are all AED certified, CPR Trained and First Aide Trained, emergency number in the hotel is 55.

CONFERENCE FEEDBACKConference Feedback Forms will be available during and at the conclusion of the conference and also on our conference app. Please help us in our future planning by giving us your honest feedback and suggestions.

General Information Welcome to the 54th Annual Defense Credit Union Council Conference held this year at the Manchester Grand Hyatt Hotel in beautiful and scenic San Diego, CA.

*Special prize(s) available only for conference delegates

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2017 Conference Program(The schedule has changed since the preliminary program. For accurate times use this final program.)

PRE-CONFERENCE ACTIVITIES:

Saturday, August 5TIME EVENT LOCATION

6:30 Bus leaves the Hyatt for the Golf Tournament Sea ‘N Air Continental Breakfast will be available on arrival Golf Course

Bus Transportation sponsored by SRM

8:00 24th Annual VADM Vincent Lascara Golf Tournament Modified Shotgun Start (Awards Lunch will be provided in the clubhouse after the Tournament)

Sponsored by CUNA Mutual Group

8:00 – 11:00 DCUC Registration Desk Open 4th Floor Foyer

9:30 – 3:00 Optional Tour: Walking Tour of Little Italy with Pasta Making Demonstration

Sunday, August 6TIME EVENT LOCATION

8:00 – 5:00 DCUC Registration Desk Open 4th Floor Foyer

11:55 Meet in front of Showcase for Ribbon Cutting

12:00 – 2:00 DCUC Showcase Grand Opening Coronado Ballroom CDE A Mexican Fiesta Lunch

2:15 – 3:15 DoD Issues Coronado Ballroom AB Mr. Bill Hawbecker Director, Banking and Credit Union Programs Defense Finance & Accounting Service

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3:30 – 4:15 Military Breakout Sessions with Military Representatives

America’s Cup AB Regatta AB Regatta AB America’s Cup CD

Army:

CPT Christopher J.

Anderson

Marines:

Mr. Dave Fuqua

Navy:

Mr. Dean Hunstad

Air Force:

Mr. Michael Windsor

4:15 Refreshment Break America’s Cup Foyer

Sponsored by eZforex

Attend the Following Breakout Sessions and Be Eligible to Win $50 CASH!

4:20 – 4:50 Corporate Partner Breakout Presentations — SESSION 1

America’s Cup AB America’s Cup CD Regatta AB

Demystifying Business Owned Life Insurance

(BOLI)

Scott Richardson, President & CEO

IZALE Financial Group

Join IZALE as they present an overview of BOLI. They

will discuss what it is, what it isn’t, its performance,

cumulative holdings across the industry, implementation procedures, due diligence and regulatory guidance.

All from an industry leading expert in executive benefit planning that has access to

all carriers.

AFFN & DCUC Credit Unions working together for Those

Who Serve!

John Broda, Ann Morsch and Jeff Riesenberger

The Armed Forces Financial Network (AFFN)

The AFFN Team will discuss components of your credit union’s EFT Program….from Profit - to Program Pitfalls - to Processors,

industry trends, and more.

The Path to Practical Innovation

Keith RiddleCorporate One FCU

The burgeoning presence of Fintech solutions along with the lasting impact of digital engagement has created a need for credit unions

to analyze their innovation strategies. The question

many executives are asking is “how can we make

innovation impactful and practical?” Join Mr. Riddle for an informative session

related to categorizing innovation efforts and steps the credit union can take to realize sustained success.

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4:55 – 5:25 Corporate Partner Breakout Presentations — SESSION 2

America’s Cup AB America’s Cup CD Regatta AB

Growing Your Auto Loan Portfolio, Without Growing

Your Overhead

Mr. Jeff HutchesonSWBC

Are you looking for auto loan and membership growth? Or perhaps a mobile optimized auto

loan origination platform to allow your members the opportunity to self-service, and you the ability to attract

the elusive millennial generation? SWBC provides the resources necessary to stand out from the crowd

in today’s competitive, low-rate auto finance

environment.

Credit Union Compensation Philosophy, Rewarding & Retaining Key Executives

Bruce Smith and Christopher Jones

O.M. Financial Group

Overview of the rationale for a Supplemental Executive

Retirement Plan (SERP), how the two available options

work (457(f) & Split Dollar), the impact on the credit union and the executive, from both an income and

tax perspective.

The Future of Shared Branching

Nina Kopp-KlettkeCO-OP Financial Services

Come and learn about the future of shared branching,

the Power of National Exposure, and

enhancing the investment you already have.

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5:30 – 6:00 Corporate Partner Breakout Presentations — SESSION 3

America’s Cup AB America’s Cup CD Regatta AB

Data Breach Risks in 2017

Joette CollettsAllied Solutions

What keeps you awake at night? Data breaches continue to grow in the U.S. and hackers are

becoming more and more creative. We will discuss trends, risks, fraud cases and mitigation solutions.

Industry information sharing is pivotal to anticipate and

prevent attacks in 2017 and beyond!

Practical Investment Strategies to Help Offset

Increasing Employee Benefit Costs

Christian Zernich and Dan Jacoby

EBS

With ongoing increasing employee benefit costs,

credit unions are concerned how they will handle the increases without

decreasing coverage and increasing co-pays. It is more important than ever

for credit unions to confront their benefit obligations and plan ahead. In this session,

you will learn how to analyze your current benefit situation, how you can plan ahead with a pre-funding strategy and how to make sure your plan is compliant with federal and/or state

regulation.

Faster Payments and the Future of Blockchain

Jorge Jimenez and Evan Shelan

eZforex

Learn about blockchain, instant payments in the

U.S. and abroad, and how Same Day Payments plays an important role in faster

payments overall.

6:30 – 8:30 Chairman’s “Island Theme” Hyatt Third Floor Pool Deck Welcome Reception Sponsored by the Armed Forces Financial Network (All registered attendees, exhibitors and guests are welcome to attend!) Wear your Island or Baja Attire. Don’t forget your sunglasses, sun hats and

sandals.

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Monday, August 7TIME EVENT LOCATION

7:30 – 4:00 DCUC Registration Desk Open 4th Floor Foyer

7:15 – 8:15 Continental Breakfast Coronado Ballroom/Foyer Buffet in the Showcase Prize drawing for Corporate Breakout sessions at 8:00 a.m.

8:30 – 8:45 Opening Ceremony Coronado Ballroom AB Presentation of the National Colors: Headquarters and Support Battalion School of Infantry (West) Marine Corps Base Camp Pendleton Led by Sergeant Jonathan Hamilton National Anthem: Crystal Davidson

Sponsored by Lightbulb Press Invocation: Mr. Robert Hopper Chairman Emeritus Fort Sill FCU

8:45 – 9:00 Welcome Coronado Ballroom AB Ms. Diana Dykstra President/CEO California Credit Union League

9:00 – 9:30 Featured Speakers The Honorable J. Mark McWatters Coronado Ballroom AB Chairman, National Credit Union Administration NCUA Update

9:30 – 10:00 The Honorable Robert M. Speer Coronado Ballroom AB Acting Secretary of the Army Army Strong

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10:00 – 10:30 Lieutenant General William J. Rew Coronado Ballroom AB US Air Force, Retired The Air Force and Change: The Good, The Bad, and The Ugly

10:30 – 10:45 Refreshment Break Coronado Foyer

10:45 – 11:15 Sergeant Major James K. Porterfield, USMC Coronado Ballroom AB Sergeant Major, Third Marine Aircraft Wing The Marine Corps: America’s Expeditionary Force

11:15 – 12:00 Keynote Speaker Coronado Ballroom AB LtCol Justin Constantine USMC, Retired “Officers Eat Last”

12:00 – 1:15 Lunch Buffet in the Showcase Coronado Ballroom CD

1:30 – 2:00 General Session Speakers Coronado Ballroom AB Mr. John McKechnie Senior Partner, Total Spectrum

2:00 – 2:45 Mr. Mike Schenk Coronado Ballroom AB VP, Economics & Statistics, CUNA Economic Update

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2:45 – 3:15 Mr. Greg Michlig Coronado Ballroom AB Deputy Chief Engagement Officer, CUNA State of the Credit Union Industry

3:15 – 3:45 Ms. Lucy Ito Coronado Ballroom AB President/CEO, NASCUS State Chartered Credit Union Issues

4:00 – 6:00 Celebrate National Purple Heart Day – August 7 Coronado Ballroom CD Networking Social Reception in the Showcase Prize Drawings Conclusion of the Silent Auction 2017 Military Charity: Purple Heart Homes

Reception sponsored by SWBC

Evening Enjoy free time with colleagues and clients on your own

Tuesday, August 8TIME EVENT LOCATION

7:00 - 11:00 DCUC Registration Desk Open 4th Floor Foyer

7:30 – 8:30 Continental Breakfast Buffet Coronado Ballroom DE Foyer and Terrace

General Session Speakers Coronado Ballroom AB8:45 – 9:30 Mr. Dan Berger, President/CEO, NAFCU A NAFCU Legislative Update

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9:30 – 10:30 Mr. Eric O’Neill Former FBI Counterintelligence Operative Founding Partner, The Georgetown Group National Security Strategist, Carbon Black Cybersecurity in the Age of Espionage

10:30 – 10:45 Refreshment Break America’s Cup Foyer

10:50 – 11:30 Hot Topic Educational Sessions (3 Concurrent) Military Lending Act - Part 2 America’s Cup AB

Joseph K. Goldberg, Director Division of Consumer Compliance Policy and Outreach Office of Consumer Financial Protection and Access National Credit Union Administration The protections of the Military Lending Act (MLA) will become effective for

credit card accounts on October 3, 2017. To assist credit unions with preparing for the additional requirements, please join us for a discussion on determining covered borrower status subject to the MLA, proper calculation of the MAPR for open-end credit, mandatory disclosure requirements, product limitations and more.

Credit Union Data & Analytics: America’s Cup C Time to Realize More Value Blesson Abraham

Director, AdvantEdge CUNA Mutual Group

Analytics have the power to transform how you do business. This interactive session will share key insights from financial institutions using data and analytics to drive big initiatives: better member service, improved top-line revenue, and reduced acquisition costs. Discover where you can reap these benefits and identify the fundamentals to building a data and analytics roadmap.

Courtesy Pay at a Tipping Point America’s Cup D Cheryl Lawson

Executive Vice President, Compliance Review John M. Floyd & Associates

The CFPB has continued to consider new regulations aimed at identifying overly aggressive overdraft fees and programs. What’s more, a small but growing number of CUs are being sued over overdraft services. This session explores the past, present and best guess for the future of Courtesy Pay, along with ideas on how credit unions can continue to be the good guy.

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11:35 – 12:15 Repeat Sessions

12:30 – 1:30 Military Credit Union of Coronado Ballroom AB the Year Awards Luncheon

1:45 – 2:00 Voter Registration Coronado Ballroom DE

2:00 – 2:45 DCUC Annual Business Meeting

3:15 – 5:30 Optional Tour: USS Midway 3:30 2nd bus departure for the USS Midway tour

7:00 – 7:30 Hall of Honor Reception Coronado Foyer

Beverage Tickets sponsored by Crews & Associates, Inc.

7:30 – 10:00 18th Annual Hall of Honor Awards Dinner Coronado Ballroom ABC Featuring POP Vinyl

Entertainment sponsored by O.M. Financial

Wednesday, August 9TIME EVENT LOCATION

8:00 Continental Breakfast Coronado Ballroom ABC

9:00 – 10:00 General Session Closing Speaker Coronado Ballroom ABC Dr. Janet Lapp Registered Nurse, Psychologist, Flight Instructor, University Professor, Author and Speaker Lead the Way: Bold Leadership Through Transformation

10:00 Final Grand Prize Drawing and Announcements Conference Concludes

11:30 – 2:00 Optional Tour: Private Lunch Cruise in San Diego Harbor

The Defense Credit Union Council: “Serving Those Who Serve Our Country” 13

2017 DCUC SHOWCASE WITH A PURPOSEThis year, our fundraising efforts will support Purple Heart Homes, a 501(c)3 public charity founded in 2008 by Dale Beatty and John Gallina, two Iraq wounded Veterans who remain on a mission to make sure no Veteran is left behind at home. Purple Heart Homes fills the gaps in housing through Veterans’ Aging In Place and Veterans Home Ownership Programs. From building a ramp for a Veteran of World War II, to providing home ownership opportunities to younger Veterans, their programs are designed out of necessity and fit the specific needs of the Veteran population.

Their mission is to provide housing for Service Connected Disabled Veterans that is substantial in function, design, and quality fit to welcome home the fighting men and women of America.

Sunday Grand Opening

12:00 – 2:00 pm

• Spend time in the DCUC Showcase and enjoy our Mexican Food Stations, featuring delicious treats from our neighbor to the South, as you meet and greet our Corporate Partners and your fellow credit union colleagues.

• Be sure to review the exciting Silent Auction items for bidding.

• Visit each exhibiting company and have them stamp your DCUC Showcase Card for a chance to win a special prize.

• Buy a 50/50 Raffle ticket to support Purple Heart Homes.

• Purchase a special raffle ticket if you’d like to win this year’s handmade Patriotic Blanket made by Eileen Ehrsam of Pen Air FCU.

• Talk to our Showcase participants to learn more about their upcoming Breakout Sessions. Attendees are eligible to win $50 cash if you turn in your tickets after the session.

• Visit iZale throughout Sunday/Monday Showcase hours to be eligible to win the Showcase Grand Prize of $1,000

Monday, August 7 is Purple Heart Day.

Pick up your complimentary purple heart ribbon at the Purple Heart Homes Booth in the Coronado Foyer.

Monday Morning Continental Breakfast in the Showcase

7:15 – 8:15 a.m.

Enjoy breakfast in the Showcase before the Opening General Session! Prize tickets will be

drawn for attendees of the Sunday Breakout Sessions at 8:00 a.m.

Monday Lunch Buffet

12:00 – 1:15 p.m.

Relax and unwind before the afternoon sessions with assorted sandwiches and ice cream.

Monday Social Reception

4:00 – 6:00 p.m.

Enjoy beverages and light snacks during the very special Final Showcase Reception! Make your final Silent Auction Bids, stay for the amazing 50/50 Raffle results and the Showcase Grand Prize before heading out with colleagues to an evening in San Diego.

While our Showcase is primarily for networking with our

Corporate Partners and our CU colleagues, we strive to “make a difference” by focusing on giving back to our troops. Please take time to bid on the Silent Auction items donated by our generous

friends, partners and colleagues to give back to those in the

military who need our support.

SPECIAL ACTIVITIES IN THE SHOWCASE

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2017 DCUC SHOWCASE CORPORATE PARTNERS

Affinion Insurance SolutionsNEW THIS YEAR801 Crescent Centre DriveFranklin, TN 37067615 764 2334email: jcrabtree@affiniongroup.com

Representatives:Jill CrabtreeVanessa StanfieldMike MahoneyMichelle Tyler

Earn non-interest fee income and build affinity and loyalty with your members.

www.affinion.com

PLATINUM SPONSOR11601 Roosevelt Blvd., TA 94St. Petersburg, FL 33716727 227 2880email: john.broda@affn.org

Representatives:John Broda Ann Morsch Jeff Riesenberger

The mission of the Armed Forces Financial Network (AFFN) is to provide quality products and services for participating financial institutions serving the U.S. military community worldwide. AFFN is co-owned by DCUC and AMBA, and strategically partners with FIS for EFT switch management services.

www.AFFN.org

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SILVER SPONSOR6111 W. Plano Parkway #2500Plano, TX 75093800 826 9384email: lesli.jameson@alliedsolutions.net

Representatives:Bonnie JacobsonShirley McFarlaneFred CaprioLucy Hitt

Allied Solutions is proud to be one of the nation’s leading providers of insurance, lending, and marketing solutions for financial institutions and other affinity organizations. We are focused on helping our clients grow their bottom line, protect their business and consumers, and evolve to stay ahead of the competition.

www.alliedsolutions.net

BFB Gallagher4600 Park Road, Suite 200Charlotte, NC 28209877 332 2265 email: Chris_BurnsFazzi@ajg.com

Representatives: Tyler Quigley Rich Brock

BFB consults on Executive Benefits, Benefit Liability Management, and Institutional Asset Management. We provide tools for recruiting, rewarding, and retaining executives. Our customized solutions ensure regulatory compliance, from board education and design to implementation and administration. BFB is the NAFCU Partner for Executive Benefits and Compensation Consulting.

www.BFBbenefit.com

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Callahan & AssociatesNEW THIS YEAR1001 Connecticut Avenue, NW Suite 1001Washington, DC 20036202 223 3920 ext.241email: jmauer@callahan.com

Representative:Jamie Mauer

Callahan & Associates is dedicated to helping the credit union industry thrive. Our team of experts provides leading research, analytics, networking and consulting solutions. More than 4,000 credit unions and industry suppliers rely on us for the latest data, actionable insights, and benchmarking tools to develop their unique competitive advantages and achieve their strategic goals.

www.callahan.com

Catalyst Corporate Federal Credit UnionWELCOME BACK6801 Parkwood BlvdPlano, TX 75024214 212 8286email: kcoble@catalystcorp.org

Representatives:Karen CobleKathy Gensler

Catalyst Corporate Federal Credit Union helps natural person credit unions manage item processing services and payment solutions such as ACH, Remote Deposit and Mobile Banking. Investment options and lines of credit create a one-stop shop for settlement, excess funds and liquidity needs and Catalyst Strategic Solutions provides Advisory and ALM assistance.

www.catalystcorp.org

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GOLD SPONSOR 9692 Haven AvenueRancho Cucamonga, CA 91730909 753 1238email: nina.kopp@co-opfs.org

Representative:Nina Kopp-Klettke

CO-OP Financial Services is a payments and financial technology company that supports 3,500 credit unions and 60 million members by providing a cutting-edge suite of customizable tools and services. The company was the first in its industry to merge purpose, innovation and technology to help credit unions advance the industry mission of people helping people.

www.co-opfs.org

BRONZE SPONSOR 8700 Orion PlaceColumbus, OH 43240614 825 9334email: kriddle@corporateone.coop

Representatives:Keith Riddle Mercedes Rodriguez Corporate One FCU is one of the nation’s largest and most progressive cooperative corporate credit unions with more than $5 billion in assets under management, serving nearly 850 credit unions nationwide.

www.corporateone.coop

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SILVER SPONSOR 521 President Clinton AvenueSuite 800Little Rock, AR 72201800 766 2000 ext. 2447 email: d.blevins@bloomberg.net

Representative: D. Henry Blevins

The investment professionals at Crews & Associates know how to manage and grow your money, whatever the economy throws your way. We even have an entire team that works exclusively with credit union investment managers to advise and assist them with their investment needs – which means we know what works just for you. When it comes time to make your investment decisions, turn to Crews & Associates for advice you can trust and products you can count on.

www.crewsfs.com

GOLD SPONSOR5910 Mineral Point Road Madison, WI 53705800 356 2644 email: janet.mcdonald@cunamutual.com

Representatives: Thomas Heyden Scott Albraccio Bruce BauerGerry Singleton CUNA Mutual Group helps people plan, protect and invest for their future – regardless of their financial standing. The company was founded more than 80 years ago by credit union leaders who were looking for an insurance and investment partner they could trust. Today, CUNA Mutual Group helps credit unions and hardworking Americans build financial security through commercial and personal insurance products; lending and payment security solutions; and risk management, retirement, investment and marketing services.

www.cunamutual.com

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Evans, Simpson & Associates, Inc. (ESA)P.O. Box 1549Snellville, GA 30078-1549770 982 1420 or 800 676 1609email: smodlin@evans-simpson.com

Representative:Steve Modlin

ESA has provided quality insurance products, collateral protection/loan tracking and financial solutions for credit unions and their members for over 40 years. www.evans-simpson.com

BRONZE SPONSOR1606 Carmody Ct., Suite 104Sewickley, PA 15143Direct 412 528 1930Toll Free 888 284 2382 Ext. 402email: Christian@ebstoday.com Representatives:Christian ZernichDan Jacoby

Executive Benefits Solutions develops investment strategies to help credit unions control employee benefit expenses and retain key executives who implement and manage those strategies.

www.EBStoday.com

SPONSOR213 N. Fredonia StreetLongview, TX 75601903 248 4090email: Jeremy.joseph@ezforex.com

Representatives: Jorge JimenezEvan Shelan The company provides futuristic and paradigm shifting solutions for international payments and foreign cash, by using the Federal Reserve and new blockchain Technology. www.eZforex.com

Financial Supermarkets, Inc.P.O. Box 1450Cornelia, GA 30531706 778 1199email: rbell@supermarketbank.com

Representative:Roy Bell

Since 1984, Financial Supermarkets, Inc. is the nation’s leader for attractive, functional, and professionally designed in-store, on-site and storefront financial centers.

www.supermarketbank.com

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IWS5901 Broken Sound Parkway, NWSuite 400Boca Raton, FL 33487561 981 7029email: rtroni@iwsgroup.com

Representative:Mike Leon

For over 25 years, IWS Acquisition Corp. has been protecting credit union members with vehicle protection products: Vehicle Service Agreements (VSA) Mechanical Breakdown Insurance (MBI), Guaranteed Asset Protection (GAP) and Appearance Protection (RestoraGuard). IWS delivers non-interest income for the credit union, protection for the member and a great member experience.

www.iwsgroup.com

SILVER SPONSOR 2400 Big Timber Road, Suite 103AElgin, IL 60124210 643 3399email: chris@IZALEFG.com

Representatives: Chris RichardsonScott RichardsonJonathan Barnes

IZALE helps clients Value People (through nonqualified benefits), Improve Earnings (through BOLI, Managed Accounts, FinTech Solutions and Fee Income strategies) and Protect Assets (through key-person and member-focused programs).

www.IZALEFG.com

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SPONSOR125 N. Burnett DriveBaytown, TX 77520800 809 2307email: info@JMFA.com

Representatives:Michelle FoxLinda Meyer

JMFA offers proven strategies for improving income, reducing expenses, streamlining operations and maximizing resources to achieve more.

www.JMFA.com

La Macchia Group, LLC157 N. Milwaukee StreetMilwaukee, WI 53202414 223 4400email: sschwalbach@lamacchiagroup.com

Representatives:Chris Frain Mark Milligan

La Macchia Group, LLC is a comprehensive consulting and design-build firm creating brand-centered financial institutions, tailored to our clients’ needs.

www.lamacchiagroup.com

SPONSOR440 Park Avenue South3rd FloorNew York, NY 10016212 485 8800 email: info@lightbulbpress.com

Representatives:Ken Morris Virginia Morris

Lightbulb, the Financial Education Company, creates educational content tailored to specific organization and groups, including military men and women. Our content is available in print and digital formats, including guides, websites, and presentations.

www.lightbulbpress.com

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Member Wealth Management Advisors, LLC222 Central Park Avenue, Suite 1100Virginia Beach, VA 23462757 725 5767emails: platimer@financialguide.com or Kpaasch@memberwealthmanagement.com

Representative:Patrick Latimer

We offer financial services to credit unions’ members, employees and executives. We also offer comprehensive financial planning.

www.memberwealthadvisors.com

Money Management InternationalClearpoint DivisionNEW THIS YEAR14141 Southwest Freeway, Ste 1000Sugar Land, TX 77479800 374 4072email: Ray.Pennie@MONEYMANAGEMENT.ORG

Representative: Ray Pennie

Improving Lives Through Financial Education

www.moneymanagement.org

NewGround15450 S. Outer 40 Drive, Ste 300Chesterfield, MO 63017636 898 8173email: jspillers@newground.com

Representatives: Steve ClarkJeff Winter

At NewGround, we believe that a new building has the potential to be a business’ greatest impression on the world. It is also your most visible relationship with your community, which is why we start with strategy when crafting financial, corporate and healthcare building solutions. This very strategy ensures your building tells the story of who you are and where you want to go.

www.newground.com

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GOLD SPONSOR6800 Jericho Turnpike, Suite 202WNew York, NY 11791516 639 0556email: brucedsmith2@financialguide.com

Representatives: Bruce SmithChris Jones

Having pioneered Collateral Assignment Split Dollar programs, O.M. Financial helps credit unions offer competitive, cost-effective employee benefit solutions. With offices throughout the country, O.M. Financial is dedicated to helping credit unions grow stronger and more profitable.

www.omfingroup.com

PCSgradesNEW THIS YEAR1870 W. BittersSan Antonio, TX 78248210 683 6851todd@pcsgrades.com

Representatives:Todd ErnstTony Straw

PCSgrades is giving a voice that has never existed before to our fellow military and veteran families, addressing must-solve relocation problems through trusted reviews on neighborhoods, REALTORS, mortgage lenders, schools, and more. PCSgrades members receive rebates on REALTOR commissions (in states where allowed by law), and free access to PCSclassifieds, our online home listing service.

www.pscgrades.com

PFP Services34 Prindle Hill RoadP.O. Box 1500Orange, CT 06477410 459 9335email: ftaddeo@pfpservices.com

Representative: Frank Taddeo

Business Development Specialists

The Defense Credit Union Council: “Serving Those Who Serve Our Country” 24

www.pfpservices.com

755 Washington StreetStatesville, NC 28676203 984 2138email: vthomas@phhusa.org

Representatives:Vicki ThomasDale Beatty

Purple Heart Homes is dedicated to providing housing solutions for service connected disabled veterans that is substantial in function, design and quality. Join forces with Purple Heart Homes Campaign, Operation Veteran Homes Renovation!

www.PHHUSA.org

R.A. Rogers, Inc.P.O. Box 3302 Crofton, MD 21114301 858 1200email: tmcdavid@rarogersinc.com

Representatives:Tracey McDavidCeilia Meshey

Third Party Collections - “The Credit Union’s Collection Agency”

www.rarogersinc.com

SILVER SPONSOR 1793 Hwy 201 NorthMountain Home, AR 72653800 808 0828 email: afry@route66warranty.com

Representatives:Rob FinleySteve TomlinsonMatt Bennett

Route 66 Extended Warranty is a leading provider of vehicle and powersport extended warranties to credit unions nationwide. With over 30 years’ experience and an extensive understanding of lenders’ unique needs, we offer the perfect balance of coverage, cost and on-going service that helps guide our clients to expansive collateral protection while boosting sales and income.

www.route66warranty.com

The Defense Credit Union Council: “Serving Those Who Serve Our Country” 25

Samaha and Associates, Inc.NEW THIS YEARP.O. Box 1828Chino Hills, CA 91709855 772 6242email: sabeh.samaha@ssamaha.com

Representatives:Sabeh Samaha Juan Luna

Samaha & Associates, Inc. provides a comprehensive spectrum of advocacy via its consulting services including analysis, planning, search, selection, negotiations, implementation and documentation in the Technology and e-Business environments.

www.ssamaha.com

StreetSharesNEW THIS YEAR1985 Isaac Newton Square WestSuite 103Reston, VA 20190240 360 9880sanjay@streetshares.com

Representatives:Sanjay BhaskarBrendon Dibella

StreetShares provides loans, lines of credit, and contract financing solutions to veteran small business owners, contractors, and their communities. Founded and operated by Veterans, StreetShares strives to ensure that small business funding and contract financing provided to Veterans be fast, fair, and affordable. Located just outside Washington, D.C., StreetShares employs advanced technology, has a unique regulatory approval from the SEC, and partners with numerous financial institutions.

Its social finance technology (patent-pending) uses social loyalty within the military community to improve borrower behavior, increase loan repayment rates, and decrease risk.

www.streetshares.com

The Defense Credit Union Council: “Serving Those Who Serve Our Country” 26

SILVER SPONSOR9311 San Pedro Avenue, Suite 600San Antonio, TX 78216866 316 1162email: SWBCinfo@swbc.com

Representatives:Kellie LowderMike MooreJohn Blair

SWBC provides quality insurance and financial products, outstanding service, and customized solutions to financial institutions, businesses and individuals in all 50 states.

www.swbc.com

Anthony R. Hernandez, President/CEO

Beth Merlo, Director of Administration

Lizette Krajnak, Administrative Assistant

Christa Dittus, Web Specialist

Janet C. Sked, Conference Manager

Spencer Butterfield, Conference Photographer

2017 Conference Staff

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55th Annual DCUC Conference in

Mark your calendars today for next year’s DCUC Conference!

55th Annual DCUC Conference in

Williamsburg, VAAugust 12-15, 2018

Mark your calendars today for next year’s DCUC Conference!

TAKE CONTROL OF TOMORROW. . .TODAY™

Employee Benefits Pre-Funding is a strategy that can help you offset eligible long-term employee benefit expenses as:

Health Care Expenses 401(k) Match Pension Contributions Long Term Disability Premiums Short Term Disability Premiums Group Life, AD&D Insurance Dental & Vision Premiums 457(f) Plans Long Term Care Insurance Premiums Post Retirement Health Care Health Savings Account Contributions Charitable Giving Contributions

Avoid decreasing your employee benefits coverage, increasing deductibles and raising co-pays by considering an Employee Benefits Pre-Funding Program for your credit union.

EMPLOYEE BENEFITS PRE-FUNDING

*Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners, Ltd. and Executive Benefits Solutions are separate entities from LPL Financial.

** Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Executive Benefits Solutions are separate entities from LPL Financial. Copyright © 2017, Executive Benefits Solutions. All rights reserved.

Executive Benefits Solutions specializes in the development of investment strategies to help credit unions control employee benefit expenses and retain the key executives who implement and manage those strategies.

For More Information Contact:

EXECUTIVE BENEFITS SOLUTIONS (4 Locations):

MAIN OFFICE:* 1606 Carmody St., Ste. 104 Sewickley, PA 15143 Phone 412.528.1930 Fax 412.452.9511 Christian@EBSToday.com

NORTHWEST OFFICE:* 3516 NW Logan Ct. Camas, WA 98607 Phone 503.801.1054 Fax 503.354.5138 Ted@EBSToday.com

MIDWEST OFFICE:** 115 North Center St., Ste. 202 Northville, MI 48167 Phone 248-808-4103 Fax 248.605.8550 Tom.Landis@LPL.com HAWAII OFFICE:** Kaneshiro Tokushige & Associates 1003 Bishop Street Pauahi Tower, Ste. 880 Honolulu, HI 96813 Phone 808.681.7799 Ext. 106 Fax 808.681.7798 Michael.Tokushige@LPL.com

www.EBSToday.com