t annual conerence combined council of … conference/conferenct_program_… · · 2016-08-22t...

3 5 T H A N N U A L C O N F E R E N C E

COMBINED COUNCIL AMERICA’S CREDIT UNIONS

Casino Del Sol Resort Tucson, Arizona

September 21–24, 2016 www.casinodelsolresort.com

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3 5 T H A N N U A L C O N F E R E N C E C O M B I N E D C O U N C I L O F A M E R I C A’ S C R E D I T U N I O N S

Casino Del Sol Resort, Spa and Conference Center has not only received the prestigious Forbes Four Star Travel Guide Award 3 years in a row but is also the first casino resort in Tucson history to ever receive this award. It is also the only casino resort in Arizona to have earned both the Forbes Four Star Award and the AAA Four Diamond Award in the same year. In 2014 the Casino Del Sol Resort also received the Certificate of Excellence Award honoring hospitality excellence by TripAdvisor. Only the top-performing 10 percent of businesses listed on TripAdvisor receive this prestigious award.

Welcome to Tucson! At the Combined Council of America’s Credit Unions (CCACU) you are among

a top quality group of executives, directors and volunteers dedicated to making this a truly successful

annual meeting. This year’s conference features representatives from General Motors, Chrysler, Ford, and

International Credit Unions.

The conference is full of opportunities to hear dynamic speakers who, armed with experience, knowledge, and

a dedication to our industry, will discuss the critical issues facing credit unions today. In addition, you will have

opportunities to network with colleagues and sponsors — whether to catch up on old times, meet someone

new, or to continue the education process as together we look toward the future of America’s credit unions.

We look forward to seeing everyone at the Welcome Reception.

Enjoy the conference!

Melvin Calloway, President, General Motors Council

James Carson, President, Chrysler Council

Shirley Meyer, President, Ford Council

Jerry Walters, President, International Council

Welcome!


CCACU Council

COUNCIL OF CHRYSLER CREDIT UNIONS

President: James Carson

Vice President: Jack Williams

Treasurer: Cindy Brock

Secretary: Judy Buck

Directors: Charlie Spann-James; Calvin McKinney; Daniel Tyburski; Joseph Walker; John Williams

COUNCIL OF GENERAL MOTORS CREDIT UNIONS

President: Melvin Calloway

Vice President: Ann Garmon

Treasurer: Frank Gulley

Secretary: Linda Cappella

Directors: Frank Adamec; Raymond Manofsky

COUNCIL OF FORD CREDIT UNIONS

President: Shirley Meyer

Vice President: Tom Zmrazek

Secretary/Treasurer: Jim Blair

COUNCIL OF INTERNATIONAL CREDIT UNIONS

President: Jerry Walters

Vice President: Tom Whitacre

Secretary/Treasurer: Rod Cannon

Directors: Al Hairston; Jeff Harshaw; Sue Whalen


Thank You to Our SponsorsA special thank you goes out to our conference sponsors for participating in this year’s conference. Credit union suppliers are an important part of the credit union movement. They contribute thousands of products, services and man hours to help make our jobs easier in serving the credit union member.

We encourage our CEOs and Board of Directors to consider our sponsors first when evaluating future business opportunities.

Cindrich, Mahalak & Co. 31215 Jefferson Ave., St. Clair Shores, MI 48082 Tel: 586.296.1155 • Fax: 586.296.5325 • www.cm-co.com

First Empire Securities 100 Motor Parkway, 2nd Floor, Hauppauge, NY 11788 Tel: 800.645.5424 • www.1empire.com

Allied Solutions1320 City Center Drive, Suite 300, Carmel, IN 46032 Tel: 800.826.9384 • Fax: 317.706.7606 • www.alliedsolutions.net

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.

Cindrich, Mahalak & Co. is one of the largest credit union auditing firms in the country. They currently work with credit unions ranging from less than $10 million to well over $2 billion in assets. They have concentrated their practice on credit unions and their subsidiaries since the inception of the firm in 1971.

First Empire Securities is a fixed income institutional broker-dealer committed to providing a broad range of services to ensure clients are making well-informed investment decisions. First Empire’s seasoned traders and financial strategists, state-of-the-art analytical tools, and former regulatory examiners all contribute to a full-service approach developed to help institutions improve the performance of their investment portfolios and to better manage their balance sheets. First Empire Securities is a member of FINRA/SIPC.


Thank You to Our Sponsors

Eagle Group XXP.O. Box 4424 • Youngstown, Ohio 44515800.411.1844 • www.eaglegroupxx.com

Eagle Group XX represents the highest standards of professionalism and compliance in the Asset Recovery Industry.

Realizing the importance of compliance, the EAGLE GROUP XX developed the “Field Agent Compliance Training” (FACT) and the “Support Employee Compliance Training” (SECT) educational programs which, accompanied by EGXX Data Security and Protection Policies and Procedures, as well as their Emergency Management and Disaster Plan insure the agencies you choose to handle your recovery assignments meet and exceed CFPB requirements.

ATM Solutions, Inc.551 Northland Boulevard • Cincinnati, Ohio 45240513.742.4900 • www.atm-solutions.com

ATM Solutions offers a comprehensive list of ATM services including Armored Car Cash Replenishment, Maintenance, as well as our innovative and unparalleled Outsourcing Program.

CUNA Mutual Group5910 Mineral Point Rd. • Madison, WI 53705 • Tel: 800.356.2644Twitter: https://twitter.com/cunamutualgroup LinkedIn: https://www.linkedin.com/company/cuna-mutual-groupFacebook: https://www.facebook.com/CUNA.Mutual.Foundation Google+: https://plus.google.com/+cunamutual/posts Socially Speaking Blog: http://cunamutualgroup.blogspot.com/

CUNA Mutual Group was founded in 1935 by credit union pioneers and our commitment to their vision continues today. We offer insurance and protection for credit unions, employees and members; lending solutions and marketing programs; TruStage™ branded consumer insurance products; and investment and retirement services to help our customers succeed.


Thank You to Our Sponsors

Elan Financial Services225 West Station Square Drive • Pittsburgh, PA 15219800.343.7064 Fax: 412-552-2290 • www.elanfinancialservices.com

Elan provides ATM and debit processing services to clients nationwide. These services include an array of electronic funds transfer (EFT) processing solutions such as ATM processing, bank and debit card point of sale (POS) processing, ATM network membership, ATM and POS gateway services, and turnkey ATM managed services. Elan also owns and operates the MoneyPass® network. In addition, Elan provides ATM/debit card issuance and management, network communications monitoring, comprehensive fraud monitoring tools, and web-based program administration.

Gesa Credit Union51 Gage Blvd. • Richland, WA 99352586.296.5325 • www.gesa.com

Corporate One8700 Orion Place • Columbus, OH 43240614.825.9200 • www.corporateone.coop

Gesa Credit Union has served Washington State’s Tri-Cities community since 1953 and is one of the state’s largest credit unions with $1.3 billion in assets and 116,000 members as of March 31, 2014. Gesa is a full service financial institution that offers a complete array of consumer, mortgage and business products and services. Headquartered in Richland, Washington, Gesa operates 13 branch offices in the Kennewick, Richland, Pasco, West Richland, Walla Walla, Wenatchee and East Wenatchee communities. Gesa also supports seven student-operated high school branches — the most in the state. Gesa’s commitment to local communities includes support for Junior Achievement, Habitat for Humanity, annual youth scholarships, and free financial seminars open to members and the general public.

Corporate One FCU is one of the nation’s largest and most progressive cooperative corporate credit unions with more than $5.5 billion in assets under management, serving nearly 850 credit unions nationwide. For more information, please visit www.corporateone.coop.


2016 CCACU ConferenceRegistration/Hospitality Desk The CCACU conference registration/hospitality desk will be open:

Wednesday, September 21 1:00 p.m. – 5:30 p.m.

Thursday, September 227:00 a.m. – 5:00 p.m.

Friday, September 237:00 a.m. – 2:00 p.m.

On-Site StaffA Plus Planners will staff the registration/hospitality desk during the hours of operation noted above.

Conference ProgramUpon registration you will be provided a conference program which includes everything you will need during the conference.

Name Badges and TicketsYour conference name badge identifies you as a Conference Attendee, Spouse/Guest, Speaker or Sponsor. It is essential that you wear your name badge at all times during the conference while at the hotel.

As a registered/paid conference attendee, your name badge will be your official pass and must be worn for admittance to all CCACU functions. NO EXCEPTIONS.

As a paid spouse/guest, your name badge will be your official pass and must be worn for admittance to the receptions, general sessions, Children’s Miracle Network Luncheon and spouse/guest sponsored programs. NO EXCEPTIONS.

Tickets will be required for admittance to all functions. NO EXCEPTIONS.

SponsorsThe sponsors will be available to meet with you at the “Welcome Reception” on Wednesday evening and during “Breakfast with the Sponsors” on Thursday and Friday mornings. Please take time to meet and talk with them!

Dress Code Dress for all functions at the Casino Del Sol is business casual (sport shirts, nice slacks, sundresses, dress shorts, Capri pants, etc.) unless otherwise noted. Meeting rooms may be cool, so a sweater may be appropriate.

ad

Cindrich, Mahalak & Co. is a certified public accounting firm specializing in meeting the audit, accounting, consulting, and compliance needs of credit unions. We build relationships with credit unions as a strategic partner, and are prepared to meet your needs in a variety of areas. Our Core Capabilities include:

Audits • Opinion Audits • Agreed-Upon-Procedures • Employee Benefit Plans • Fraud/Embezzlement • Operational • Management Change

Compliance

•

•• BSA/OFAC/AML • ACH • SAFE Act • Regulatory Compliance

• Information Technology • IST/GLBA Compliance • Risk Assessments • Security Reviews • Penetration Testing • Vulnerability Assessments

• Consulting • Internal Audit Co-Sourcing • Strategic Planning • Mergers • Charter/F-O-M Conversions • CUSOs • Regulatory Assistance

31215 Jefferson Ave., St. Clair Shores, MI 48082 ● 586.296.1155 ● 877.998.CMCO ● www.cm-co.com ● [email protected]


InformationWednesday ReceptionJoin us Wednesday evening starting at 5:30 p.m.

Friday Night DinnerDust off your western attire and join us at the CCACU Cowboy Cookout sponsored by Allied Solutions!

Children’s Miracle Network Luncheon And RaffleFriday, September 23, 12:30 p.m.

The Children’s Miracle Network works with premier hospitals and foundations in North America to provide compassion and care to all children. Due to positive feedback we will once again replace our silent and live auctions with a raffle for a chance to

win wonderful prizes! Tickets will be on sale during the luncheon for $5 each.

We will also have our much-loved 50/50 tickets, but we are giving it a new name! “Share the Pot.” 50% of our “Share the Pot” ticket sales will go to the Children’s Miracle Network and the remaining 50% will be shared by two lucky winners! Last year the split was $420.00! “Share the Pot” tickets will be on sale during our Wednesday evening reception, Thursday breakfast, Friday breakfast, and during the CMN luncheon on Friday.

BSA Training BSA again this year will be its own session starting at 10:00 a.m. Saturday. Dan Mahalak will present you with your Certificate of Completion at the end of the session.

ATM and Debit Processing Solutions

ATM Managed Services

Fraud Management

MoneyPass® Surcharge free Network

[email protected]

800.343.7064www.elanfinancialservices.com

ATM and Debit Processing Solutions

ATM Managed Services

Fraud Management

MoneyPass® Surcharge free Network

[email protected]

800.343.7064www.elanfinancialservices.com


AgendaWednesday, September 21, 2016

1:00 – 5:30 p.m.CCACU Conference Packet Pick Up

3:00 – 5:00 p.m.Sponsor Set – Up

5:30 – 7:00 p.m.Welcome To Tucson Reception

Thursday, September 22, 2016 7:00 a.m. – 5:00 p.m.Registration/Hospitality Desk Open

7:00 a.m. CCACU Conference Packet Pick Up

7:30 a.m.Breakfast with the Sponsors

9:00 a.m. “Welcome to Tucson”

Introduction of Council Board

Children’s Miracle Network Update

Keynote Speaker — Major Dan Pantaleo, USMC, Retired. “Shifting With the Paradigm”

12:30 – 1:30 p.m.Buffet Lunch

1:30 – 2:30 p.m.Fiduciary Responsibilities For Board of Directors and Supervisory Committee (Combined Board of Directors and Supervisory Committee Track Session 1)Dan Mahalak — Cindrich, Mahalak & Company

2:45 – 3:45 p.m.Cyber SecurityBryan Fury, Corporate One Federal Credit Union

4:00 – 5:00 p.m.Risk Management in Post EMV EraArt Harper — PSCU

6:15 p.m.Council of Ford Dinner

Friday, September 23, 2016 7:00 a.m. – 2:00 p.m.Registration/Hospitality Desk Open

7:30 a.m. Breakfast with the Sponsors

8:45 – 9:45 a.m.Emerging Trends Keith Riddle — Corporate One Federal Credit Union

Supervisory Committee Interim Audit ProceduresJulie Kappenman, Mountain West Credit Union Association (Supervisory Committee Track Session 2)

10:00 – 11:00 a.m.“S” in the CAMELs RatingFrank Santucci, First Empire Securities

Emerging RisksBryan Fury, Corporate One Federal Credit Union (Supervisory Committee Track Session 3)

11:15 a.m. – 12:15 p.m.Credit Union Industry Update Steve Rick, CUNA Mutual Group

12:30 p.m.Children’s Miracle Network Luncheon and Raffle

7:00 p.m.CCACU Cowboy Cookout sponsored by Allied Solutions

Saturday, September 24, 2016 7:30 – 8:15 a.m.Breakfast

8:30 – 9:45 a.m.Challenge of Change Jack McCall

10:00 – 11:00 a.m.Bank Secrecy Act TrainingDan Mahalak — Cindrich, Mahalak & Company

11:15 a.m.Council Meetings

Conclusion of Conference


KEYNOTE Major Dan Pantaleo is originally from Roseville, MI and currently lives in Stafford, VA. A motivational speaker, author, entrepreneur and retired Marine Corps Officer, his career in the Marine Corps (1985-2005) is punctuated by his service at the Pentagon during the attacks on 9/11 where he led recovery operations. His highly successful book, Four Days at the Pentagon, details many of the recovery efforts that occurred at the Pentagon and serves as a template for leadership actions in chaotic, confusing, and crisis situations. The proceeds from the sale of this book are donated to the Wounded Warrior Regiment.

CYBER SECURITY/EMERGING RISKS Bryan Fury joined Corporate One in 2005. He is responsible for providing Corporate Ones senior management team with guidance on IT security and IT risk. His primary duties include Enterprise Risk Management, Internal Audit, Vendor Management and Business Continuity Planning.

Before serving Corporate One, Fury was a Technology Risk Management Professional/Engagement Leader with Jefferson Wells and an Information Security Officer with the First National Bank of Slippery Rock. Fury holds a bachelor’s degree from Ferris State University and a master’s degree from Robert Morris University. He is a Certified Information Systems Security Professional (CISSP), Certified Risk and Information Systems Control, and a Certified Business Continuity Planner (CBCP).

FIDUCIARY RESPONSIBILITIES FOR BOARD MEMBERS/BANK SECRECY ACT TRAINING Dan Mahalak is the President & Managing Partner of Cindrich, Mahalak & Co., P.C., a CPA firm specializing in the credit union industry. He joined the firm in 1980 upon graduating from Eastern Michigan University and became a partner in 1988. He is a certified public accountant and a member of both the American Institute of Certified Public Accountants (AICPA) and the Michigan Association of Certified Public Accountants (MACPA).

Throughout his tenure, Dan has been responsible for hundreds of credit union audits, and worked in fraud/embezzlement investigations, including filing bond claims, working with authorities, and testifying in criminal proceedings. He also works with credit unions in budgeting and forecasting, asset-liability management consulting, strategic planning, mergers and acquisitions, human resources consulting, regulatory consulting, and a variety of other consulting projects. He is a frequent speaker on topics related to the credit union industry on both a local and national level. He has written articles for several credit union publications.

SUPERVISORY COMMITTEE INTERIM AUDIT PROCEDURES Julie A. Kappenman, Director of Association Compliance Services at Mountain West Credit Union Association, has been involved in the credit union movement since 1989. She began her career in Minneapolis, Minnesota where she worked as an Accounting Intern for a large credit union. She was then hired by the National Credit Union Administration, (NCUA) where she held the positions of Examiner and Economic Development Specialist, (EDS). Julie left NCUA in 2006 and gained experience in operations by working as a Branch Supervisor and Interim CEO for credit unions in Wyoming and South Dakota. She joined the Mountain West Credit Union Association in 2012 where she currently holds the Director of Association Compliance Services position. Julie has her Bachelor of Science Degree in Accounting from Southwest State University and currently resides in Wyoming.

Speakers


THE CHALLENGE OF CHANGE Jack McCall is a graduate of the Tennessee School of Banking at Vanderbilt University, and the Graduate School of Banking of the South at Louisiana State University, Jack McCall has devoted much of his career to the financial service industry. He helps businesses and individuals perform more effectively in a world marked by constant pressure and accelerated change. His insights are penetrating and his style is refreshingly entertaining. Jack’s skill for getting to the heart of the matter is uncanny.

ECONOMIC UPDATE Steven Rick is the Chief Economist for CUNA Mutual Group in Madison, Wisconsin. His primary responsibilities include conducting strategic research, analysis, and forecasting of the financial services industry with special emphasis on the consumer and credit union markets.

Steve’s forecasts serve as a starting point for the strategic planning process and help to create a clear understanding of the underlying trends and links between the general economy, the financial services industry, and CUNA Mutual Group’s policy owners.

RISK MANAGEMENT IN POST EMV ERA Dr. Art Harper has been the Director of Consulting for Card Payment Solutions at PSCU for three years, leading teams that manage solutions offered to PSCU’s Member-Owner Credit Unions. Prior to joining PSCU, Art served as Vice President of Electronic Services at South Carolina Federal Credit Union for 13 years. Art has been leading the EMV initiative at PSCU, reaching over 1,700 people through EMV Roadshows, and one-on-one meetings and webinars and has been instrumental in assisting PSCU Member-Owners convert to EMV. He is regarded as a leader in the EMV migration movement not only for PSCU, but for the US payments industry. An active member of the EMV Migration Forum and the Federal Reserve Faster Payments Council, Art has been sought out for in articles in numerous publications to include Credit Union Times, CU Tech Talk, and Payment Journal regarding EMV.

NCUA’S NEW “S” IN THE CAMELs RATING SYSTEM Frank Santucci joined First Empire Securities, Inc. in September 1985 as a Fixed Income Specialist. Between 1985 and 1993 he worked with hundreds of institutional investors nationwide assisting them in the purchase and sale of fixed income securities.

In January 1994, Mr. Santucci was promoted to his current position of Senior Vice President and Managing Director of Asset Liability Management Services. His primary responsibilities include the administration of First Empire’s Asset Liability Management Team and Financial Strategies Group and the development of balance sheet and investment portfolio strategies for clients of the firm. Mr. Santucci is also the principal author of the Balance Sheet Management Services’ ALM Model. In addition, Santucci is a frequent speaker at regional and national conferences on various ALM and risk management techniques, as well as current industry trends.

EMERGING TRENDS Keith Riddle is Corporate One’s SVP, Chief Product Management Officer. Keith has more than 30 years of financial services experience in direct sales, product and partnership development, and marketing and strategic planning. He also has experience in payment processing technologies, cloud computing and managed solutions offerings, online banking platforms and personal financial management software, EFT/Debit/Credit/Prepaid processing platforms, and check and ACH processing.

Speakers


Represented Credit UnionsABD FCU27850 Mound RoadWarren, MI 48092Chrysler Affiliation

Afena FCU424 North Bradner AvenueMarion, IN 46952GM Affiliation

Best Reward CU21375 Alexander RoadWalton Hills, OH 44146Ford and GM Affiliation

Credit Union One1998 North Warren RoadNorth Jackson, OH 44451GM Affiliation

Financial Builders FCU2828 South Lafountain StreetKokomo, IN 46904Chrysler Affiliation

Financial Center First CU7101 East 56th StreetIndianapolis, IN 46226GM Affiliation

Gesa CU51 Gage BoulevardRichland, WA 99352GM Affiliation

Harvester Financial CU7020 Brookville RoadIndianapolis, IN 46239International Affiliation

IH CU5000 Urbana RoadSpringfield, OH 45502International Affiliation

Jeep Country FCU7030 Spring Meadows West DriveHolland, OH 43528Chrysler Affiliation

Midwest Community FCU8770 North Street Route 66 Defiance, OH 43512GM Affiliation

Seven Seventeen CU3181 Larchmont Avenue NEWarren, OH 44483GM Affiliation

Sharefax CU1147 Old State Route 74Batavia, OH 45103Ford and GM Affiliation


Frank Adamec GM, Best Reward CU, OH

Steve Bennett International, Harvester Financial CU, IN

Cindy Brock Chrysler, Financial Builders FCU, IN

Judy Buck Chrysler, Jeep Country FCU, OH

Mel Calloway GM, Gesa CU, WA

Charlie Campbell International, Harvester Financial CU, IN

Rod Cannon International, Harvester Financial CU, IN

Linda Cappella GM, Credit Union One, OH

Carl Delph International, Harvester Financial CU, IN

Richard English GM, Midwest Community FCU, OH

Mark Epley Chrysler, Jeep Country FCU, OH

William Flanary GM, Midwest Community FCU, OH

Robert Florence GM, Midwest Community FCU, OH

Hector Flores Chrysler, Jeep Country FCU, OH

Bryan Fluke International, Harvester Financial CU, IN

Ann Garmon GM, Financial Center First CU, IN

Geruthie Greely Chrysler, Jeep Country FCU, OH

Frank Gulley GM, Afena FCU, IN

Steve Halas GM, Best Reward CU, OH

Bellesy Hurston Chrysler, ABD FCU, MI

Maxine Isaac Chrysler, Jeep Country FCU, OH

Ida Jackson-Thomas Chrysler, Jeep Country FCU, OH

Steve Kadusky Ford, Best Reward CU, OH

Noah King Ford, Best Reward CU, OH

Richard Kistemaker GM, Best Reward CU, OH

Janet Lake Ford, Sharefax CU, OH

John Lattanzi GM, Credit Union One, OH

Gene Leamer GM, Credit Union One, OH

Raymond Manofsky GM, Seven Seventeen CU, OH

Jo An Matney Chrysler, Jeep Country FCU, OH

Mike Metcalf International, Harvester Financial CU, IN

David Meyer GM, Midwest Community FCU, OH

Joseph Noark GM, Seven Seventeen CU, OH

Susan Ochs Ford, Sharefax CU, OH

Lou Pastor Ford, Best Reward CU, OH

John Shirilla Ford, Best Reward CU, OH

Charlie Spann-James Chrysler, ABD FCU, MI

Mark Stoner Chrysler, Jeep Country FCU, OH

David Taylor Ford, Sharefax CU, OH

Daniel Tyburski Chrysler, Jeep Country FCU, OH

Ronald Wagner GM, Midwest Community FCU, OH

Joe Walker Chrysler, ABD FCU, MI

Jerry Walters International, Harvester Financial CU, IN

Deborah Westmeyer Chrysler, Jeep Country FCU, OH

Tom Whitacre International, IH CU, OH

Robb White International, IH CU, OH

John Williams Chrysler, ABD FCU, MI

Jack Williams Chrysler, Financial Builders FCU, IN

John Wilster GM, Seven Seventeen CU, OH

Tom Zmrazek Ford, Best Reward CU, OH

Conference Attendees

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EAGLE GROUP XX

The members of Eagle Group XX represent the highest standards of Professionalism and Compliance in the Asset Recovery Industry.

CFPB Compliance in Tracing and Recovery Service Nationwide

When you care enough to send the very best, dial

800-411-1844

“Anything, Anytime, Anyplace…Professionally”


FIRST EMPIRE SECURITIES and its family of affiliate companies provide specialized services to help credit unions better manage their balance sheets.FIRST EMPIRE SECURITIES and its family of affiliate companies provide

specialized services to help credit unions better manage their balance sheets.

INTERESTED IN HOW WE CAN HELP YOUR CREDIT UNION?

www.1empire.com | 800.645.5424

Loan Participations and SalesNational Network of Buyers and SellersAuto, Residential, Member Business Loans

Fixed-Income InvestmentsState-of-the-Art AnalyticsAccess to Financial Strategists

Asset Liability ManagementRegulatory ConsultingPolicy Review and Exam Support

First Empire Securities, Inc. is solely a member of FINRA/SIPC. Balance Sheet Management Services and LPC Services are not members of FINRA or SIPC. This is not a solicitation to buy or sell securities.

C O M B I N E D C O U N C I L O F A M E R I C A’ S C R E D I T U N I O N SC O M B I N E D C O U N C I L O F A M E R I C A’ S C R E D I T U N I O N S3 5 T H A N N U A L C O N F E R E N C E

Ballroom ‘D’ Ballroom ‘B’

Ballroom ‘E’ Ballroom ‘A’

Meeting ‘B’Meeting ‘A’

Prefunction

Board Rm.

Ballroom ‘C’

C O M B I N E D C O U N C I L O F A M E R I C A’ S C R E D I T U N I O N SC O M B I N E D C O U N C I L O F A M E R I C A’ S C R E D I T U N I O N S3 5 T H A N N U A L C O N F E R E N C E

Raise Your Expectations.

C C A C U3 5 T H A N N U A L C O N F E R E N C E

COMMUNITY IS MORE THAN NEIGHBORHOODS AND BUSINESSES.

IT’S PEOPLE YOU CARE FOR.

LIFE INSURANCE + RETIREMENT/401(K) PLAN SERVICES + DISABILITY INCOME INSURANCE + LONG TERM CARE INSURANCE + ANNUITIES

MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Co. (MassMutual), its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Insurance products issued by MassMutual (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). CRN201702-168389

Every year, MassMutual Greater

Washington is proud to support

communities across the Greater

Washington area – and the

extraordinary people who work so

hard to improve our lives through

education, community vitality and

so much more.

MassMutual Greater Washington530 Gaither Road, Suite 350Rockville, MD 20850www.massmutual.com/greater-washington

t annual conerence combined council of … conference/conferenct_program_… · · 2016-08-22t...

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