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Thursday, January 29, 2015 12:31 PM Page 1 of 12 !"#$%&'( *+% ,-./0 12&+-34% 55 6-3"-70 89: 8;<= ,-'%( !"#$%&'() +',#'$( -.) -/01 0-230 45 >7?@( 678 +7$%7( 9$7&:; <,:=, >7'?#7 @,78%A,BC#DE=$?F A%B/05*?( ,78%A,BC#DE=$? *?( %;'GGA,BC#DE=$? C?3D%7E-'.?3( !"7 H':D( IJC"',?7 KK +',#'$( -.) -/01 To ensure that you continue receiving our emails, please add us to your address book or safe list. January 29th, 2015 Today’s News: › NJ CUs Sponsor 'New Jersey Credit Union' Storefront at JA BizTown, Volunteer for Student Simulation › Southern Chapter Reschedules First Meeting of 2015 for February 18 › April 27 Deadline for RBC2 Comments, CUNA Webinar Available Online › Take Advantage of the Boost in Auto Loans with the Credit Union Member Discount from GM › Capitol Hill Lawmakers Say Statutes Must Ensure Merchants Protect Consumers' Info, Reps Lance and Pallone Weigh- In › March 3rd ELS Session will Review Essentials for Keeping Your CU Relevant & Secure › Risk Alert from CUNA NJ CUs Sponsor 'New Jersey Credit Union' Storefront at JA BizTown, Volunteer for Student Simulation BRIDGEWATER, N.J. – Last year, the New Jersey Credit Union League converted one of the bank branches at Junior Achievement’s hands-on financial learning experience “BizTown” into a credit union. Before: Bank of New Jersey

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Page 1: NJ CUs Sponsor 'New Jersey Credit Union' January 29th ... · PDF fileupdate. The cost to attend ... Lobster tail: $35; Chicken: $23. There is also a vegetarian dish ... Please feel

Thursday, January 29, 2015 12:31 PM

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To ensure that you continue receiving our emails, please add us to your address book or safe list.

January 29th, 2015

Today’s News:

› NJ CUs Sponsor 'NewJersey Credit Union'Storefront at JA BizTown,Volunteer for StudentSimulation› Southern ChapterReschedules First Meetingof 2015 for February 18› April 27 Deadline for RBC2Comments, CUNA WebinarAvailable Online› Take Advantage of theBoost in Auto Loans with theCredit Union MemberDiscount from GM› Capitol Hill Lawmakers SayStatutes Must EnsureMerchants ProtectConsumers' Info, RepsLance and Pallone Weigh-In› March 3rd ELS Session willReview Essentials forKeeping Your CU Relevant& Secure› Risk Alert from CUNA

NJ CUs Sponsor 'New Jersey Credit Union'Storefront at JA BizTown, Volunteer forStudent SimulationBRIDGEWATER, N.J. – Last year, the New Jersey Credit Union Leagueconverted one of the bank branches at Junior Achievement’s hands-onfinancial learning experience “BizTown” into a credit union.

Before: Bank of New Jersey

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› Risk Alert from CUNAMutual Group: MicrosoftEnd-of-Support for OlderVersions of IE and More› Matthew BrazinskiPromoted to Director ofBusiness Development atFirst Financial FCU› New Privacy Notice BillIntroduced with CUNASupport› FHFA-Head Notes StrongInterest in FHLB MembershipPlan in Testimony› Credit Unions, Mark YourCalendars

First ELS Session ofthe New Year Set for

March 3rd

New innovations intechnology, shiftingcustomer expectations,cyber security threats,and economic pressureshave dramaticallychanged financialinstitutions.

Join us for the firstExecutive LeadershipSeries (ELS) session ofthe New Year on March3rd at the League officewhere you’ll hear from

After: New Jersey Credit Union

As the “New Jersey Credit Union Credit Union” branch came to life thismonth as BizTown opened its doors to 5th and 6th grade classes thathave have built the BizTown experience and lessons into their curriculumthis school year, credit unions were asked to volunteered for their firstBizTown event this past Wednesday, January 28.

Students gather at the BizTown Town Hall Meeting to witness the swearing-in oftheir Mayor before heading to their businesses and running the economy.

BizTown is a lot like the Reality Fair program, except that 5th and 6thgrade students are running an actual town. Each student has a job in thetown, some are CEOs, some are CFOs, there is even a mayor and aswearing in ceremony each day!

League and credit union volunteers helped guide the students from PS22 in Jersey City, N.J. throughout the day as they managed theirbusinesses, cashed in paychecks, voted on important BizTownlegislation, paid taxes, bought goods, and more. BizTown is its owneconomy where students act as citizens and get a feel for working a job,making money, and spending the money to pay bills, run their business,and keep the economy going.

More information on BizTown, which is located in Bridgewater, N.J., canbe found at http://janj.org/programs/ja_biztown.

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where you’ll hear fromJoel Abramson on how toreduce costs whileinvesting in innovation tobetter serve the modernmember. Register here.

Upcoming Events:

February 17, 2015VirtualCorps Webinar: Howto Develop a SimpleInvestment Strategy forYour Excess Liquidity3:00 pm to 4:00 pmMore Information Click Here

February 18, 2015Southern Chapter Meeting:Foundation and ComplianceUpdatesLocation: Crab Trap,Somers Point, NJ6:00 pm to 8:30 pmMore Information Click Here

February 19, 2015Webinar: RequiredCompliance Series:Compliance Rules LendersMust Know3:00 pm to 4:30 pmMore Information Click Here

Contact Us:

Address299 Ward StreetHightstown, NJ 08520Driving directions

Phone800.792.8861609.448.2426

be found at http://janj.org/programs/ja_biztown.

If you are interested in volunteering for a future event, please contactMarissa Anema at [email protected] or 800-792-8862 ext. 117 and shewill let you know about volunteer opportunities in the future.

[ BACK TO TOP ]

Southern Chapter Reschedules First Meetingof 2015 for February 18SOMERS POINT, N.J. – The Southern Chapter of Credit Unions will hold

its first meeting of the New Year onWednesday, February, 2015 at the Crab Trapin Somers Point, NJ. This meeting wasoriginally set for January 28th, but waspostponed due to the snow storm.

The chapter will be holding elections forchapter officials; if interested, please notifythe Chapter President at the meeting. Thechapter will also have Tom Quigley on hand

to speak about the Foundation and Nicola Foggie to give a complianceupdate.

The cost to attend is determined by the menu choice: Filet mignon: $36;Lobster tail: $35; Chicken: $23. There is also a vegetarian dishavailable.

Cocktails begin at 6 p.m. with dinner being served at 6:30 p.m.

There are scholarships to assist in covering the cost of attendancethrough Mid-Atlantic Corporate and Alloya Corporate. Please contactJanet Duffield at 856-696-2525, ext. 5385 for details.

The deadline to register is Thursday, February 12, 2015.

Click here for the full registration form.

Chapter meetings are not limited to credit unions in that chapter only. Allmeetings are open to any NJCUL member credit union, regardless oftheir chapter affiliation. Please feel free to attend any chapter meeting tomix and mingle!

More Chapter information as well as the dates of all upcoming Chaptermeetings is available on the League Web site atwww.njcul.org/chapters.aspx.

Please note: Only New Jersey Credit Union League preferredvendors are able to attend New Jersey Credit Union League Chapterevents and meetings.

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April 27 Deadline for RBC2 Comments, CUNAWebinar Available OnlineWASHINGTON – CUNA is strongly encouraging credit unions to

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Fax609.448.3499

[email protected] Connect with Us:

WASHINGTON – CUNA is strongly encouraging credit unions tocomment by the April 27 deadline on NCUA’s revised-round risk-basedcapital (RBC) proposal.

CUNA has posted a free, recorded version of its 60-minute Jan. 26 RBC2webinar online. It features NCUA Director of Examination andSupervision Larry Fazio, CUNA President/CEO Jim Nussle, CUNA ChiefPolicy Officer Bill Hampel, and CUNA Deputy General Counsel MaryDunn discussing in detail the revised RBC plan.

CUNA has noted "significant improvements" in the agency's revised planand is seeking credit union comment on how the new proposal will affecttheir operations, and what further improvements are necessary.

CUNA soon will issue a Comment Survey asking credit unions to addressspecific points of the proposal.

For instance, CUNA strongly advocates for the ability of credit unions touse supplemental capital, both for this proposal and for the purposes ofmeeting prompt corrective action requirements. This will be one of theissues CUNA raises in its comment letter.

Also, while weighted average life was not factored into the riskweightings in the revised RBC plan, the NCUA is still focusing on interestrate risk (IRR). The agency has asked for comments on alternativeapproaches that could be taken in the future to address IRR withinprompt corrective action.

CUNA will be reviewing this area closely and seeks to develop, withcredit union recommendations, ways to address any safety andsoundness issues, but without tough new requirements on well-managedcredit unions.

CUNA has red-flagged other ongoing concerns regarding the RBC2 plan.They include:

Whether a two-tiered, risk-based capital system is permittedunder the Federal Credit Union Act; andWhether there is a need for complex credit unions to continuallyassess their overall capital adequacy on an ongoing basis.

Credit union stakeholders also are encouraged to submit questions aboutthe proposal to CUNA at the email address [email protected], and theorganization will be posting an updated frequently-asked-questionsdocument with answers as they become available.

CUNA is also designing a high-level breakout session dedicated to RBC2questions, concerns and comments to be held during its upcomingGovernmental Affairs Conference from March 8-12.

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Take Advantage of the Boost in Auto Loanswith the Credit Union Member Discount fromGMAccording to TransUnion, the New Year looks bright for credit unions andtheir auto loan volume.

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their auto loan volume.

Results from a survey in November show that auto loans are a toppriority for credit union executives withalmost half of the respondents (46%),saying they see this area as a numberone growth opportunity in the next 12months.

One reason for this prevailing focus may be the rise in new vehicle sales.As of October, the auto industry has sold 13.7 million units in 2014 – a6% increase over the same time period in 2013. The forecast for 2015 iseven rosier thanks to the economy, interest rates and affordable gas.Projections from the National Automobile Dealers Association (NADA)show a more than 3% boost in new vehicle sales in 2015. NADAforesees a total of 17 million units in 2015, the most since 2005 andabout a half a million more than in 2014.

Why not take advantage of a very robust auto sales market with theCredit Union Member Discount from GM? Not only do your members getexclusive pricing on new eligible vehicles from Chevrolet, Buick, andGMC, your credit union gets real-time auto loan leads each time amember requests a GM Authorization Number. Real-time instant autoloan leads to timely opportunities to reach out to your members to securefinancing at your credit union.

To learn more about the Credit Union Member Discount from GM and itsreal-time auto loan leads, click here.

[ BACK TO TOP ]

Capitol Hill Lawmakers Say Statutes MustEnsure Merchants Protect Consumers' Info,Reps Lance and Pallone Weigh-InWASHINGTON – A stable law to ensure merchants are appropriatelyprotecting consumers is needed, said Rep. Gus Bilirakis (R-Fla.) in asubcommittee hearing Tuesday on elements of potential data breachlegislation.

The House subcommittee on commerce, manufacturing, and tradediscussed the specifics of such legislation and heard from a panel ofexperts on the matter.

Tuesday's hearing is likely to be the first in a series of hearings oncreating data breach legislation, and it saw many of the themes that arelikely to emerge when creating such a bill.

The members of the subcommittee all agreed at the outset of the hearingthat data breach legislation that is universal and includes standards forconsumer notification is needed. There are currently 47 different statelaws dealing with data breach notification and 12 state laws governingcommercial data security.

House Energy and Commerce Chair, Rep. Fred Upton (R-Mich.), said

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House Energy and Commerce Chair, Rep. Fred Upton (R-Mich.), saidCongress has a real opportunity to set a single national data securitystandard, which is a key component to combating the effects of databreaches. Rep. Frank Pallone (D-N.J.) said that he would not supportany bill that supersedes strong state protections with a "weak federalstandard."

Rep. Leonard Lance (R-N.J.) said he wants any forthcoming legislation toavoid becoming a "48th standard," and instead it should serve as theprimary standard.

A letter from CUNA and other financial trade organizations was acceptedinto the record.

The letter outlined several essential characteristics of potential databreach legislation, including national protection and notification standardsthat pre-empt state laws and recognition of the requirements financialinstitutions face under the Gramm-Leach-Bliley Act.

Lance asked the witnesses if they thought the standards set forth by theGramm-Leach-Bliley Act, created 16 years ago, were sufficientlyprotecting consumers, and the witnesses agreed changes are needed.

Bilirakis said effective legislation would also not likely be tied to specifictechnologies, such as chip-and-pin payment cards, but the law shouldfocus on meeting the threat.

Three of the four witnesses said that data breach notification should onlybe required when the exposed information can be used to commit fraud,or other crimes, for fear of consumer fatigue when it comes tonotifications of breaches.

The fourth witness, Woodrow Hartzog of Samford's Cumberland Schoolof Law, strenuously disagreed and said it is too difficult to determine howstolen data might be used in the future, and that consumers have theright to know when any of their information has been exposed.

While the others cautioned that consumers would grow weary of gettingrepeated notices about breached, Hartzog said he did not believeconsumers were suffering fatigue when it comes to being notified aboutdata breaches that involve their personal information.

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The nationwide Stop the DataBreaches grassrootscampaign continues. CUNAand the NJCUL areencouraging all credit unionprofessionals, volunteers andmembers to email theirlawmakers in Congress.

March 3rd ELS Session will Review

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March 3rd ELS Session will ReviewEssentials for Keeping Your CU Relevant &SecureNew innovations in technology, shifting customer expectations, cybersecurity threats, and economic pressures have dramatically changed

financial institutions. Organizations arenow challenged with balancing costreduction against new investments ininnovation to better capture, service,support, and protect the moderncustomer. Do you have a plan in place tostay ahead of these challenges?

Join us for the first Executive LeadershipSeries (ELS) session of the New Year onMarch 3rd at the League office whereyou’ll hear from Joel Abramson on howto reduce costs while investing ininnovation to better serve the modernmember.

Abramson is the Director of Business Development and Strategy forComplete Data Products (CDP), a leader in financial technology. He willreview that your peers are doingtoday to rethink the branch networkand the role of the teller, thecustomer experience in a 24/7/365digital world of mobile devices, asound strategy to mitigate the risk ofa cyber-attack on your organization,as well as milliennials, disasterrecovery, marketing and cross-selling.

Join the discussion on March 3rd and network with your peers at thismust-attend session being held at the League office from 10 a.m. to 2p.m.

Click here for more information and for the full brochure.

You may register online through the NJCUL site at www.njcul.org/els-registration.aspx. Or simply send an email to Mary Zelinsky [email protected] (be sure to note name(s) of attendee(s) and creditunion).

EDUCATION CANCELLATION POLICY: NJCUL must receive written cancellation in our officeseven (7) days prior to the education session in order for you to receive a refund; substitutionsonly after this date. All cancellations will be subject to a $25 cancellation fee.

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Risk Alert from CUNA Mutual Group:Microsoft End-of-Support for Older Versionsof IE and MoreMicrosoft announced last summer that it will no longer support olderversions of Internet Explorer (IE). Starting January 12, 2016, Microsoftwill only support the most current versions of IE available for a supportedoperating system. In addition, CUNA Mutual Group is implementing critical updates to all ofour websites to enhance the security of credit unions. As a result of thesecurity updates, we will no longer support IE version 6 and older,effective February 21, 2015.

Read full RISK Alert

ACCESS RISK ALERT IN PROTECTION RESOURCE CENTER [ BACK TO TOP ]

Matthew Brazinski Promoted to Director ofBusiness Development at First Financial FCUWALL, N.J. – Matthew Brazinski, of Toms River, was promoted toDirector of Business Development at First Financial Federal Credit Unionin January 2015.

In his new role, Brazinski willbe responsible fordeveloping andimplementing programs toattract new business anddeepen relationships withexisting memberpartnerships. He will alsodevelop and coordinatemembership drives as wellas manage and review smallbusiness accountrelationships. Brazinskibegan working at FirstFinancial in October 2013,as Branch Manager of theHowell and Freeholdlocations.

Brazinski is a graduate of The College of New Jersey and holds aBachelor of Science Degree in Criminal Justice. He is an avid year-roundsurfer and enjoys restoring and shaping surfboards in his spare time.Brazinski is also actively involved in the Grace Bible Church located inAllenwood, N.J. and enjoys volunteering, participating, and helping tocoordinate their men’s basketball league, youth events, and communitygatherings. Brazinski and his family reside in Toms River.

[ BACK TO TOP ]

New Privacy Notice Bill Introduced withCUNA Support

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WASHINGTON – A bill that would change annual privacy noticerequirements for certain financial institutions was introduced Wednesday.The bill is titled the Eliminate Privacy Notice Confusion Act (H.R. 601).

The bill would amend the Gramm-Leach-Bliley Act to exempt from itsannual privacy notice requirement any financial institution that:

Provides nonpublic personal information only in accordance withspecified requirements; andHas not changed its policies and practices with regard todisclosing nonpublic personal information from those disclosed inthe most recent disclosure sent to consumers.

CUNA wrote to the sponsors Wednesday to express its support of thebill.

"The Eliminate Privacy Notice Confusion Act will make privacy noticessent to consumers by financial institutions more meaningful byeliminating the requirement that the notices be sent annually, andrequiring them only to be sent when the privacy policy of the financialinstitution has changed," reads the letter, signed by CUNAPresident/CEO Jim Nussle. "In addition to enhancing the value of theseprivacy notifications for consumers, your legislation also reducesregulatory burden for credit unions and other financial institutions."

CUNA estimates that since 2001, credit unions have sent more than 1billion annual privacy notices to members.

A voter survey has indicated that less than 25% of consumers read theprivacy notifications they receive. The same survey showed that morethan 75% would be more likely to read such a notice if it was only sentwhen a financial institution changed its policy.

According to CUNA, "this suggests that the public policy goal of privacynotification would be better achieved if the notices had more meaning toconsumers." CUNA believes the proposed bill achieves that goal.

The bill previously passed the House by voice vote in the 112th and113th Congress.

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FHFA-Head Notes Strong Interest in FHLBMembership Plan in TestimonyWASHINGTON – Rep. Frank Lucas (R-Okla.) expressed reservationsabout proposed changes in the Federal Home Loan Bank (FHLB)membership requirements during a House Financial Services Committeehearing Tuesday.

The hearing, which featured testimony from Federal Housing FinanceAgency (FHFA) Director Mel Watt, also delved into discussions on theagency's proposed low down-payment loans.

The FHLB proposal would set forth several ongoing requirements forFHLB members that are more burdensome than current requirements.CUNA is adamantly opposed to the proposal, citing the additional

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CUNA is adamantly opposed to the proposal, citing the additionalcompliance burden the new requirements would create.

Watt said the agency received more than 1,300 comments on theproposal and is in the process of reviewing the comments. He pledged toconsider those comments, as well as those of the committee.

Lucas said the committee would be "very sensitive" about doing anythingto alter the current FHLB model, which he said is working well. Hespecifically mentioned how the proposal could adversely affectcommunity financial institutions.

According to Watt, the proposal is to ensure the FLHB system is incompliance with statute, a claim that was disputed by Lucas, who said hedoes not believe the proposal is in line with anything intended byCongress.

"Every time that Congress has amended the Federal Home Loan BankAct with respect to membership eligibility, the intent has been to makethe banks more accessible—not less accessible—to lenders and othermembers," said Ryan Donovan, CUNA's chief advocacy officer. "TheFHFA proposal does just the opposite."

Members of the committee also questioned Watt about the FHFA'sproposed 3% down-payment loans. Committee Chair Rep. JebHensarling (R-Texas) said he is concerned that loans with a loan-to-value (LTV) ratio of higher than 95% (the FHFA's 3% down paymentoption would have a 97% LTV) have seen a rise in default rates.

Watt responded by saying the loans don't only require a 3% downpayment, rather, as part of Fannie Mae (MyCommunityMortgage) andFreddie Mac's (Home Possible Advantage) low down-payment products,potential homebuyers must complete borrower education programs andmeet other requirements that lessen the overall risk to the lenders.

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Credit Unions, Mark Your CalendarsHIGHTSTOWN, N.J. – The New Jersey Credit Union League would likeyou to mark your calendars for these upcoming events:

NJCUL Education

February 3 -- VirtualCorps Webinar: Why a Payday Alternative Loan MayBe Helpful to Many of Your Members

February 10 -- CFO Roundtable: Managing Operating Costs and More!

February 10 -- VirtualCorps Webinar: Understanding, Locating andEvaluating Auto Loan Participations

February 11 -- NJ DNA Dinner Meeting

February 17 -- VirtualCorps Webinar: How to Develop a SimpleInvestment Strategy for Your Excess Liquidity

February 24 -- Free Information Session with Your Marketing Co.

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March 3 -- Executive Leadership Series Session: Six Essentials forKeeping Your Financial Institution Relevant

Industry Events

January 30 -- Children’s Miracle Network Hospitals Annual CollaborationForum

February 2 -- Applications Open for NCUA Low-Income Credit UnionGrant Round

February 10 -- NCUA Chairman’s Town Hall Meeting with CFPB DirectorCordray

February 18 -- Southern Chapter Meeting; Foundation & ComplianceUpdate

March 8-12 -- CUNA's 2015 GAC

April 13-15 -- 2015 CU Reality Check at the Golden Nugget Atlantic City

April 28 -- NJCUL's 27th Annual Golf Tournament

May 20-21 -- CU Direct's Automotive Lending & Marketing Conference

June 1 -- North Jersey Federal Credit Union Foundation's Annual GolfOuting

June 5 -- Reality Fair at Thomas Wallace School

June 10 -- Reality Fair at Ewing High School

July 20 -- Garden Savings FCU's 5th Annual Golf Outing at Fiddler'sElbow Country Club

September 28 -- Picatinny Federal Credit Union 17th Annual Golf Outing

October 4-6 -- NJCUL's 81st Annual Meeting & Convention[ BACK TO TOP ]

This message was sent to [email protected] from:

New Jersey Credit Union League | [email protected] | New Jersey Credit Union League | 299 Ward

Street | Hightstown, NJ 08520

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