2022 January/February CreditConnections Newsletter by NACM Connect

A MEMBER NEWSLETTER FOR NACM CONNECT CREDIT PROFESSIONALS VOLUME 10

NACM Connect

Call for Volunteers, Elite Members, Scholarships and More! As always, our January/February issue of the CreditConnections member newsletter contains many applications of interest to our members. Included is a call for volunteers for our next fiscal year which begins on April 1, 2022. We are looking for members interested in serving on the Board of Directors, the various Education Committees and more. We are always looking for new participants with fresh ideas, but the best path to the Board is by participating first on a committee. Our committees weren’t particularly active in 2021 due to all the reasons you are too aware of, but we are hoping to change that in 2022. You will also find applications for our Elite Member program, Credit Executive of the Year both in Chicago and Gateway, and Scholarships for NACM Connect educational events. This is an issue you’ll want to read cover to cover! ■

CREDITCONNECTIONS

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ISSUE 1

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JANUARY / FEBRUARY 2022

EVENTS

NACM CONNECT NEWS Interconnections is Now CreditConnections

Save-the-Date

NACM Connect 2022 Events & Conferences 2022 SAVE-THE-DATES ANNUAL MEETING: April 21 CREDIT CONFERENCES Gateway: September 13 & 14 Chicago: October 25 & 26 Columbus: November 9 & 10

We have changed the look and condensed the content to allow for quick reference to information and upcoming events. We will continue to publish content on member news and encourage submissions. Please contact Lillian Novak at lillian.novak@ nacmconnect.org if you would like to submit content for publication. ■

KEY DATES JANUARY 6 BASIC FINANCIAL ACCOUNTING VIA ZOOM JANUARY 20 EMERGING LEADERS ROUNDTABLE DISCUSSION HANDLING DELINQUENT ACCOUNTS VIA ZOOM FEBRUARY 1 CCE REVIEW CLASS VIA ZOOM

2021 Virtual Conference Recorded live sessions will be available until mid-January.

FEBRUARY 3 CBF REVIEW CLASS VIA ZOOM

In case you missed it, recorded sessions of the NACM Connect Credit Conference BACK TO THE FUTURE are available until mid January 2022. For more information, contact Lillian Novak at lillian.novak@nacmconnect.org. ■

FEBRUARY 8 CBA REVIEW CLASS VIA ZOOM FEBRUARY 9 CREDIT 102 VIA ZOOM MARCH 23 LEGAL SYMPOSIUM HYBRID

JANUARY / FEBRUARY 2022

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LUNCH & LEARN

Emerging Leaders Group is geared towards younger members new to the credit industry!

nacmconnect.org

EMERGING LEADERS Handling Delinquent Accounts Open Forum Roundtable

MODERATORS: JEFF WEBER, ULINE

JARED SILVER, M. HOLLAND COMPANY

FREE ZOOM ROUNDTABLE DISCUSSION WHEN

Thursday, January 20, 2022 12:00 ─ 1:00 p.m. CST Via ZOOM Registration Deadline: January 19, 2022

COST

FREE

Questions? Contact Lillian Novak at lillian.novak@nacmconnect.org or call 847.483.6478

2021-2022

In This Issue

01 02 04 06 07 08 09 10 12 19

Board of Directors

Call for Volunteers, Elite Members, Scholarships and More! NACM Connect 2022 Events & Conferences Emerging Leaders: Handling Delinquent Accounts NACM Connect Credit Reporting Solutions NACM Connect Missouri Honors and Awards Nominations 2022 Annual Call for Volunteers and Nominations 2021 Credit Executive of the Year Nominations 2022 Elite Membership Nomination Form Robert L. Vodraska Scholarship Foundation Scholarship Application Illinois Construction Stuff and Stuff Welcome New Members

NACM Connect Mission Statement To provide a forum to its members within the credit profession for education, networking and business resources. Vision Statement Striving to have the most comprehensive and leading NACM affiliate serving the commercial credit profession by consistently exceeding the members’ expectations.

Value Statement We are committed to the highest ethical standards and recognize that our Association must take a leadership role in our profession. Through our integrity and dedication we will earn the respect of our members as we know that our success as an Association depends on their trust in us. By creating strong relationships we will attain the loyalty of our members and alliance partners. We continuously seek to build an environment for learning to enhance the knowledge and expertise of our members.

The CreditConnection newsletter is published bimonthly by NACM Connect, a not-for-profit Association affiliated with the National Association of Credit Management. For membership information, visit our website at www.nacmconnect.org, call 800.935.NACM or fax us at 847.253.6685. NACM Connect Headquarters is located at 3005 Tollview Drive, Rolling Meadows, IL 60008.

CHAIRPERSON Mike Hill, CCE MiTek USA, Inc. VICE CHAIRPERSON Kevin Stinner, CCE, CCRA Pinnacle Agriculture Distribution TREASURER Brendon Misik, CCE, CICP Nutrien DIRECTORS—TERMS ENDING 2022 Joe Lange, CCE, CCRA Brenntag Great Lakes, LLC John-John McEvilly, CBA, CICP Encore Presentation Services Adam D. Ross, CCE Feralloy Corporation George Valletti, CFO/COO Ginsey Home Solutions DIRECTORS—TERMS ENDING 2023 Curtis Litchfield, CCE Land O' Lakes/Purina Mills Luz Moreno, CCE, CICP Klein Tools Jeff Weber Uline Yazmin Yepez, CBF, CCRA, CICP Mitsubishi Electric Automation Inc. DIRECTORS—TERMS ENDING 2024 Edward Patrick, MBA American Refining Group Deb Rollman, CICP Burnham Holdings, Inc. Dale Semple The Equity Jared Silver M. Holland Company Regina Stricklin, CBF Robert Bosch Tool Corporation PRESIDENT Phillip J. Lattanzio, CCE, COO NACM/Chicago-Midwest SECRETARY Kerry Jensen, CPA Chief Financial Officer COUNCILOR Patrick Nelson, MBA ACCO Brands, Inc. EDITORIAL STAFF EDITOR Linda Herbst Senior Marketing Administrator ASSOCIATE EDITORS Lillian Novak, CGA Chief Communications Officer Margaret Krafft Senior Marketing and Education Specialist

NACM Connect Credit Reporting Solutions

Why Our Members Should Give Equifax A Look In 2022 Rich Steinkoenig, NACM Connect Credit Solutions Consultant Equifax is a US based company with 13,000 employees in 24 countries that has been in business for 122 years with over $4B in annual revenue. Your NACM Connect credit reporting consultant will gladly pull some complimentary sample reports for you. Whether you want to check on a new customer, prospect, existing customer, a supplier or supplement your current service take a look and see how Equifax compares with your current provider for quality and value.

NACM Connect Credit Reporting Solutions Team FOR MORE INFORMATION, CONTACT YOUR REGIONAL REP:

CHICAGO AREA Craig Smith, Director of Credit Solutions Phone & Fax: 847-483-6484 Email: craig.smith@nacmconnect.org NORTHERN AND WESTERN ILLINOIS, WISCONSIN & NEBRASKA Neil Cline, Credit Solutions Consultant Phone & Fax: 847-483-6469

 Equifax has an easy-to-use ePort

Email: neil.cline@nacmconnect.org

 You receive service directly from

CONNECTICUT, KANSAS, MICHIGAN, MISSOURI, NEW HAMPSHIRE, RHODE ISLAND

delivery platform with no monthly or service fees. your NACM Connect team for Equifax services.

 Pricing is competitive with D&B and Experian.

 Acquisitions of Ansonia and Paynet

provide excellent trade experiences and coverage for the trucking, logistics and leasing industries.

 Equifax’s BusinessConnect software helps simplify, streamline and accelerate credit management processes by automating routine manual tasks and decisions, and centralizing operations under one interactive, cloud-based platform in Salesforce.

Rich Steinkoenig, Credit Solutions Consultant Phone & Fax: 314-677-2804 Email: rich.steinkoenig@nacmconnect.org

INDIANA, MAINE, SOUTH WEST OHIO (CINCINNATI/DAYTON AREAS), VERMONT, WESTERN PENNSYLVANIA Jim Kelly, Credit Solutions Consultant Phone & Fax: 513-795-1740 Email: jim.kelly@nacmconnect.org MASSACHUSETTS, NEW YORK, OHIO: EASTERN, NORTHERN AND CENTRAL AREAS,EASTERN PENNSYLVANIA Darren Greene, Senior Credit Solutions Consultant Phone & Fax: 740-324-7507 Email: darren.greene@nacmconnect.org SUPPORTS ALL NACM CONNECT MEMBERS Paula Slyder, CGA, Vice President of Client and Support Phone & Fax: 937-401-2710 Email: paula.slyder@nacmconnect.org

For more information, please contact Rich Steinkoenig, Credit Solutions Consultant at 314-677-2804 or by email at rich.steinkoenig@nacmconnect.org. ■ CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

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NACM Connect Credit Reporting Solutions

ACCESS ALL

THE SOLUTIONS IN ONE PLACE Shop and compare all these credit Bureaus with one contact person. Be sure to ask about our FREE trial offers.

We provide a full suite of credit reporting solutions exclusively to NACM Connect members at deep discount pricing. We pass big savings to you through our volume purchasing and National Buying Discount. We assist with setup, training and support for all products and solutions. Let us help you increase efficiency, reduce costs and maximize profitability for your organization.

INTERNATIONAL OPTIONS

U.S. OPTIONS OPTION

OPTION

OPTION OPTION

OPTION

OPTION OPTION

(CONSUMER) OPTION OPTION

(CONSUMER) OPTION

Questions? Contact Craig Smith @ craig.smith@nacmconnect.org or call 847.483.6484 CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

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Missouri

NACM CONNECT MISSOURI HONORS AND AWARDS NOMINATION Each year the membership of NACM Connect Missouri selects fellow members who are active in the organization and whose outstanding performance and accomplishments have made an impact on the credit profession. All members are encouraged to nominate someone who has displayed exemplary service in the profession. The awards are selected by the Advisory Board and the NACM Connect Staff and will be presented during the NACM Connect Missouri Annual Meeting.

The lists of qualifications are below. Please indicate which award is being selected.  2022 Member of the Year Award • Nominated by members, including self nominations • No professional designation (CBA, etc.) required • Recognizes beginners as well as experienced credit professionals • Can be won multiple times

 2022 Credit Excellence Award • Nominated by members, including self nominations • NACM professional designation (CBA, etc.) required • History of involvement with NACM through volunteering on the Advisory Board, Education Committee, teaching/ speaking at educational events including classes, seminars and the annual conference, or serving in another capacity for the betterment of NACM Connect

Nominee Information Name______________________________________________________ Company_____________________________________________ Address ________________________________________________ City ___________________ State ______Zip ___________________ Phone __________________________________________________ Email____________________________________________________ Nominee Qualifications Indicate NACM involvement, credit accomplishments or achievements or other qualifications. (Attach a separate sheet of paper if necessary) __________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ Please provide the following information about yourself Name______________________________________________________ Company_____________________________________________ Phone __________________________________________________ Email____________________________________________________

Email to lillian.novak@nacmconnect.org. Nominations Must be Received no Later Than March 1, 2022. CREDITCONNECTIONS

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NACM Connect

2022

Annual Call for Volunteers and Nominations minate committee or no Volunteer for a on the e rv se to s ue ag one of your colle rectors. Di of idwest Board NACM/Chicago-M

Deadli

ne Jan uary

BOARD MEMBER NOMINATION

31, 20 22

The NACM/Chicago-Midwest Nominating Committee is seeking nominations for the NACM/Chicago-Midwest Board of Directors, the governing board of NACM Connect. Please use this form to submit the name of a member you feel should be considered for a position. Members are also encouraged to nominate themselves. All nominees will be required to submit a summary of information form and a current resumé.

I would like to nominate: Name Company Phone

Nomination made by: Name Company Phone

COMMITTEE VOLUNTEER

Committees are affiliate specific. I would like to volunteer for the following committee(s):    

Chicago Education/Conference GLR Education/Conference Gateway Advisory Gateway Education/Conference

   

KC Education Nebraska Education Wisconsin Education Wichita Education

 New York Education  Scholarship  Pennsylvania Education

Name Company Phone

Submission Deadline: January 31, 2022 Please submit your nomination by email to Lillian Novak at lillian.novak@nacmconnect.org or by fax to 847.253.6241. CREDITCONNECTIONS

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NACM Connect Submit Your Nomination for the NACM Connect-Midwest

Robert M. Healy

2021 Credit Executive of the Year Each year, the membership of NACM Connect-Midwest elects a fellow member whose outstanding performance and accomplishments have made an impact on the credit profession. In order to qualify for a nomination, the credit executive must have a Certified Credit Executive (CCE) designation and be in good standing with the Association. All members are encouraged to nominate someone who has displayed exemplary service in the profession, including teaching, speaking, writing, mentoring, etc. The award will be presented during the NACM ChicagoMidwest Annual Meeting on April 21, 2022.

Nominee Information Name_____________________________________________________________________________________________________ Company__________________________________________________________________________________________________ Address ___________________________________________________________________________________________________ City ________________________________________________________________ State ____________ Zip _________________ Phone ___________________________________________________________Email ___________________________________

Nominee Qualifications (Attach a separate sheet of paper if necessary) ___________________________________________________________________________________________________ ___________________________________________________________________________________________________ ___________________________________________________________________________________________________ Please provide the following information about yourself: Name________________________________________________________ Company ____________________________________

Email this form to Lillian Novak at lillian.novak@nacmconnect.org. Nominations Must be Received no Later Than March 1, 2022 CREDITCONNECTIONS

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NACM Connect

2022 Elite Membership Nomination Form NACM Connect has a long-term interest in engaging more young people in the Association. To that end, our Elite Membership honors outstanding and exceptional young Credit Professionals. For the fiscal years from April 1, 2022– March 31, 2024 candidates must be 35-years-old or younger, and be employed by NACM Connect member companies in good standing. This program will recognize these young Credit Professionals for their service, talent and outstanding commitment. If you have a team member or co-worker that you think deserves extra recognition for their standout qualities, traits and characteristics, please take a few moments to complete this nomination form. Nominations will be accepted until January 31, 2022. Nominations will be reviewed by the Emerging Leaders Committee and winners will be notified no later than February 28, 2022.

Candidates selected for two-years of Elite Membership beginning April 1, 2022 will receive: • Free membership in NACM Connect as an Elite Member for two years. • Free admission to all NACM Connect educational programs including classes, seminars, webinars, the Annual Meeting and the fall Credit Conference. Classes and seminars offered through videoconferencing are eligible. • Free admission to all NACM social events. • Elite Members will be appointed to the Emerging Leaders Committee. • Free admission to other special social/networking events planned for the Elite Membership group and geared for them and their peers. • Elite Members will receive extra recognition and introduction at all events, and will be featured in the NACM Connect member publication, CreditConnections. • Elite Members are required to serve on the Education or Scholarship Committee; are required to attend educational sessions at both the Annual Meetings and Credit Conferences in their regions; and will be asked to assist at these events.

Nominee Name _____________________________________________________________________________________________ Title or Position in Company __________________________________________________________________________________ Member Company __________________________________________________________________________________________ Nominee Email ___________________________________________ Nominee Phone ____________________________________ I am making the above nomination for Elite Membership for the following reasons: (attach additional pages if needed.)

Nominations (including nominee’s resume) should be submitted on or before January 31, 2022, to Lillian Novak by mail (address below), or email lillian.novak@nacmconnect.org. Nominated by ______________________________________________________________________________________________ Nominator Email _________________________________________Nominator Phone ____________________________________ The above-nominated candidate for the Elite Membership Program has the full backing of his/her supervisor or manager and the company, and will be allowed to attend Association events, meetings, etc. that may take them away from their regularly scheduled work hours. Signature of Supervisor or Manager ____________________________________________________________________________

Members will be notified by the Emerging Leaders Committee no later than February 28, 2022. Self-nominations are not allowed. NACM Connect  3005 Tollview Drive  Rolling Meadows, IL 60008  P: 847.483.6400  F: 847.253.6685  www.nacmconnect.org CREDITCONNECTIONS

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NACM Connect

The Robert L. Vodraska

Scholarship Foundation SCHOLARSHIP APPLICATION

Please complete all sections of this application to be considered for a scholarship. Please print or type. Applications must be mailed to the NACM Connect Headquarters office at 3005 Tollview Drive, Rolling Meadows, IL 60008 or emailed as an attachment to lillian.novak@nacmconnect.org between January 1 and March 1. Applications must be dated on or before March 1, for consideration of scholarships for the fiscal year commencing April 1. An online scholarship application can be accessed at www.nacmconnect.org. Applications are encouraged from members who do not have available to them employer-sponsored reimbursement programs.

Contact Information Name_____________________________________________________Title __________________________________________________________ Company _______________________________________________________________________________________________________________ Mailing Address ______________________________________________ City_______________________ State _________Zip ________________ Phone: __________________________________________________ Email: __________________________________________________________

Reason or Need for Scholarship

Candidate may attach additional pages if needed.

Please indicate your intended use for the scholarship funds if they are awarded to you. Please be very specific: _ Regional Credit Conference _ Seminars _ Webinars

_ Credit 101 _ Credit 102 _ Credit 103

_ Business Credit Principles _ Basic Financial Accounting _ Financial Statement Analysis I

_ Business Law _ Credit Law _ Review Classes/Testing Fees

Explain how a scholarship will help you achieve your academic and/or career goals. _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ Does your employer pay for education? _ Partial

_ Full

_ No

Have you ever attended or completed the event/selection for which you are requesting a scholarship? _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ Are you currently working in the credit industry? If so, how long? ________________________________________________________________

Education Name of College or University ____________________________________________Number of years completed _______ Degree earned _____ Name of College or University ____________________________________________Number of years completed _______ Degree earned _____

CREDITCONNECTIONS

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NACM Connect The Robert L. Vodraska

Scholarship Foundation SCHOLARSHIP APPLICATION

Courses Courses (not part of your degree above) and seminars completed within the last two years: Course Title

Course Sponsor or Institution

Date Completed (mm/dd/yy)

Candidate may attach additional pages if needed.

Professional Designations _ CBA

_ CBF

_ CCRA

_ CCE

_ CICP

_ ICCE

_ Other

Please list other designations: _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________

NACM Involvement Please contact Janet Raap at janet.raap@nacmconnect.org for a transcript request on past NACM Connect events and classes attended. Name of NACM affiliate in which you/your company hold primary membership: ____________________________________________________ Other NACM family of organizations memberships, including credit groups: ________________________________________________________ _______________________________________________________________________________________________________________________ Number of years as an NACM member: ______________________________________________________________________________________ NACM involvement in the past five years: Include information about service on an NACM committee, task force or Board of Directors (NACM includes NACM-National, FCIB, CFDD National, NACM Affiliates and CFDD Chapters.) Be sure to provide date information (for example, May 2014 – June 2016) when listing terms of service. Also include information about participation in NACM sponsored conferences and programs. Local Involvement

Regional Involvement

National Involvement

_______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ _______________________________________________________________________________________________________________________ We reserve the right to interview applicants. I ______________________________________________________ , attest to the validity of the information within this application to the best of my knowledge. False or misleading information or statements are grounds for disqualification from the scholarship process and ineligibility in the program indefinitely. Applicant’s name (representing signature) _____________________________________________________ Date __________________________ TERMS AND CONDITIONS: 1. Scholarships can be used for NACM Connect sponsored class or seminar fees, Credit Conference, Annual Meeting, fees for credit certification testing, and the NACM Connect Institute of Credit certification review classes. Scholarships are not valid for Credit Congress. 2. Applicant must complete class and pass with a minimum grade of “C” or reimburse the Scholarship Foundation for course fees. 3. Course must be successfully completed within one year or less from date of award. 4. Applications will be reviewed and awarded by the NACM Connect Scholarship Committee.

CREDITCONNECTIONS

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Illinois Construction Stuff and Stuff What was cool about the email is it was the same group that wrote, promoted and succeeded in getting SB 1636 passed and put into law so that retention would be reduced from 10% to 5% when a project is 50% done, and introduced legislation that there be no retention on public jobs, since everything is already covered by bonds.

“ Illinois Construction Stuff and Stuff Norm Cowie, CCE Recently I received an email from an attorney … (pause as you gasp in fear and trepidation) … addressed to me, and two other attorneys (no, attorneys like him, not me, since I’m not an attorney) that started like this: “Fellow mechanics lien nerds” Definitely not a threat to me. Then it went on to suggest we look at strengthening the penalties of Section 60/21.01 of the Illinois Mechanics Lien Statutes so that there are more repercussions against jerks who demand lien waivers up front and then don’t pay. If you’ve been reading my articles, you know this is a hot button for me and a couple articles ago I wrote I’d prefer either that requiring lien waivers up front be made illegal, or alternatively, GC’s and owners would be required to accept conditional waivers. But if we can’t have either of those, then, yeah, let’s make the punishment greater. And by punishment, I mean something like holding down the offender and CREDITCONNECTIONS

pouring hot sauce up their nostrils. Or maybe force them to eat cherry Popsicles until they get brain freeze. Or both at the same time. Yeah, that’s it. They need to suffer. This is what I wrote about it in my book, Illinois Mechanics Lien Statutes ... and other construction stuff: Yeah, I’m sure a rough ole contractor is going to be pretty gosh darned scared of a Class A misdemeanor. I’m sure they’re just shaking in their boots, right? Ha, ha, ha!! Of course not. I can’t even scare my teenaged daughters with threats of Class A misdemeanors. Probably the worst that would happen if I tried this on one of them is they’d get dizzy from rolling their eyes. Or maybe they’d go into spasms trying not to bust a gut laughing. I’m sure you read my book, right? No? what are you waiting for? It’s available from NACM. Okay, commercial over.

I’d like to see ... strong enforced penalties enacted for those who falsify sworn statements, depriving their subcontractors or suppliers of the protection afforded by being properly listed on lien waivers.

In other words, a very knowledgeable and influential group that I’m happy to hang around, even though I’m the only one without a law license. But I am very much a lien nerd, so he wasn’t wrong in addressing me that way. He also told me once in the past that he was sure that my favorite thing about myself was that I wasn’t an attorney. He might not have been wrong. Anyway, I got all excited about the email and weighed in that we need punishment to be far greater than just a Class A misdemeanor and it has to be something nondischargeable in bankruptcy. One of the other attorneys chimed in that any parties that JANUARY / FEBRUARY 2022

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NACM Connect benefitted might be personally liable as well and the other noted another state had similar penalties already, so maybe we could borrow some of their language. We’re really early in discussing it, so I don’t have much to add yet. But it is a crucial change I’ve been pushing for years now, so I’m thrilled we’re looking closely at it now. I’d like to see similar, strong enforced penalties enacted for those who falsify sworn statements, depriving their subcontractors or suppliers of the protection afforded by being properly listed on lien waivers. In the article I referred to above, it was sparked by a very slow paying customer who routinely falsely claimed that the hundreds of thousand dollars in material they purchased from us came from their fully paid stock. Uh, no, nothing could have been further from the truth. Unfortunately, the rules and punishments aren’t enough to scare this guy or others like him. Yeah, I think I have to email the attorney back and see if we can incorporate this with the other change. Like now. Gotta go. Norm ■ Norman Cowie, CCE is Director of Credit for Paramont-EO, Inc. He has written articles appearing in the Chicago Tribune, Cynic Magazine, Business Credit and the Herald News. His current book titled, "The Illinois Mechanics Lien Statutes … and other construction stuff" is available for sale through NACM Connect. He also has ten published humor/ fantasy novels, some through traditional publishers Echelon Press, Quake Books and Draumr Publishing, although more recently he has transitioned over to Indie publishing. Norm’s most recent book, MOONED, is now available in hardcover. MOONED is a young adult book adults can read about a dog and cat turned into were humans by their werewolf master. Fun action. Check it out on Amazon. Norm can be reached at norm.cowie@paramont-eo. com, or feel free to visit him at www.normcowie.com which features past NACM Connect articles.

CREDITCONNECTIONS

NACM’s CMI Helps Predict Health of Economy NACM National, Editorial NACM’s Credit Managers’ Index (CMI) is a one-of-a-kind study published monthly since February 2003, which measures credit quality today in effort to forecast future risk. CMI data and analysis provide forward-looking specialized insight. Since its inception, the CMI has been a startlingly accurate economic predictor, proving its worth most notably during the 2008-09 recession. The CMI survey asks U.S.-based credit professionals in manufacturing or service sectors to rate whether a variety of factors in their monthly business cycle have improved, worsened or stayed the same compared with the prior month. Favorable factors rate sales, new credit applications, dollar collections, and amount of credit extended, while unfavorable factors weigh rejections of credit applications, accounts placed for collections, dollar amounts of receivables beyond terms, and filings for bankruptcies. Participants also can comment about the issues they are facing during that month’s commercial business transactions cycle. For example, one credit professional wrote in November’s CMI: “Inflation continues to cause havoc in the credit world. I’ve spent more time in the last month considering credit line increases than I may ever have in my 25-plus year career.” Another respondent shared how supply-chain issues have impacted risk management: “Supply chain problems (along with labor inefficiencies) continue to be the primary factors hindering performance. Customers seem to be a bit more tenuous in making payments. There appears to a level of uncertainty about the economy and we are getting the response more often ‘we will pay you when we get paid.’” Consider participating in the next CMI survey. The results reflect the entire cycle of commercial business transactions, providing an accurate, predictive benchmarking tool. Sign up at https://nacm.org/cmi-signup.html to receive survey participation alerts. You will receive an email when the survey is open each month so you can participate. ■

You’re the Expert! When you participate in the Credit Managers’ Index, you are contributing to a leading economic indicator. It only takes a minute—no math is involved. Just indicate if something is better, the same or worse than the month before. Sign up today for our monthly email reminder to participate.

Listen to NACM Economist Chris Kuehl, Ph.D., discuss the latest CMI and give his view of what’s to come. bcm.nacm.org/index.php/podcasts

JANUARY / FEBRUARY 2022

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Credit Group Meeting Calendar NACM Connect - Illinois/Wisconsin Local Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 11

Electrical Distributors Credit Group

Zoom

January 12

Institutional Credit Association Credit Group

Ditka's & Zoom

January 13

Northern Illinois Plumbing & Heating Wholesalers Credit Group

Weber Grill, Schaumburg, IL

January 18

Metal Distributors Credit Group

Zoom

January 19

Ad Media Credit Group

Zoom

January 20

Basic Material Credit Group

TBD

February 8

Masonry Credit Group

Ditka's, Oakbrook, IL

February 10

Northern Illinois Heating & Plumbing Wholesalers Credit Group

Ditka's, Oakbrook, IL

February 15

Electrical Distributors Credit Group

Zoom

February 15

International Credit Professionals Credit Group

Zoom

February 15

Metal Distributors Credit Group

Zoom

February 17

Ad Media Credit Group

Zoom

February 17

Basic Material Credit Group

TBD

February 22

Floor Covering & Wall Tile Credit Group

Conference Call

NACM Connect - Missouri/Kansas Local Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 13

KC Building Industry Credit Group

Hereford House, Leawood, KS

January 19

Gateway Electrical Credit Group

Bartolino's, St Louis, MO

January 21

Gateway Refrigeration Warm/Cool Air Credit Group

Bartolino's, St Louis, MO

February 4

Central Illinois Credit Group

Bella Milano, Springfield, IL

February 15

Caterpillar Dealer Group 10a.m. CST

Conference Call

February 16

Gateway Electrical Credit Group

Bartolino's, St Louis, MO

February 17

KC Building Credit Group

Hereford House, Leawood , KS

February 18

Gateway Ref./Warm Cool Air Credit Group

Bartolino's, St Louis, MO

NACM Connect - Pennsylvania Local Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 12

Building Trades

Hoss's, Altoona, PA

January 18

Construction Plumbing & Heating

Bravo, Cranberry Twp, PA

January 19

Food Group

Bravo, Waterfront, Homestead, PA

January 25

Electrical Suppliers

Bravo, Waterfront, Homestead, PA

February 9

Building Trades

Hoss's, Altoona, PA

February 15

Construction Plumbing & Heating

Bravo, Cranberry Twp, PA

February 16

Food Group

Bravo, Waterfront, Homestead, PA

February 22

Electrical Suppliers

Bravo, Waterfront, Homestead, PA

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 14

Credit Group Meeting Calendar NACM Connect - Indiana/Michigan/Ohio Local Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 11

Fort Wayne Building Materials

Don Hall's Gas House Restaurant, Fort Wayne, IN

January 11

Grand Rapids Electric/Industrial Credit Group

Brann's, Wyoming, MI

January 12

West Michigan Heating Wholesalers Credit Group

Brann's, Wyoming, MI

January 13

Michiana Credit Association

Hilton Garden Inn, Elkhart, IN

January 13

Indiana Wholesale Floor Covering

Conference Call

January 13

Lumber & Building Credit Group

Conference Call

January 13

Michiana Credit Association

Hilton Garden Inn, Elkhart, IN

January 13

Columbus Wholesale Electric

Conference Call

January 18

Indiana Electrical Suppliers

Conference Call

January 18

Auto Credit Group

Conference Call

January 19

Indianapolis Building Trade Suppliers

Conference Call

January 19

Metal Service Center Credit Group

Antonio's, Canton, MI

January 20

Michigan Electric Credit Group

Antonio's, Canton, MI

January 20

Cincinnati-Dayton Wholesale Electric

Century Inn, Cincinnati, OH

January 26

Plumbing & Heating Wholesalers

Ferguson Enterprises-Conference Room, Indianapolis, IN

January 26

Cincinnati Construction Suppliers

Rusty Bucket Restaurant & Tavern, Liberty Township, OH

February 8

Fort Wayne Building Materials

Don Hall's Gas House Restaurant, Fort Wayne, IN

February 8

Electric/Industrial Credit Group

Brann's, Wyoming, MI

February 9

West Michigan Heating Wholesalers Credit Group

Brann's, Wyoming, MI

February 10

Michiana Credit Association

Hilton Garden Inn, Elkhart, IN

February 10

Columbus Wholesale Electric

Conference Call

February 15

Indiana Electrical Suppliers

Conference Call

February 15

Auto Credit Group

Conference Call

February 16

Indianapolis Building Trade Suppliers

Conference Call

February 16

Metal Service Center Credit Group

Antonio's, Canton, MI

February 17

Cincinnati, Dayton Wholesale Electric

Century Inn, Cincinnati, OH

February 17

Michigan Electric Credit Group

Mojave Cantina, Clawson, MI

February 23

Plumbing & Heating Wholesalers

Ferguson Enterprises-Conference Room, Indianapolis, IN

February 23

Cincinnati Construction Suppliers

Rusty Bucket Restaurant & Tavern, Liberty Township, OH

NACM Connect - Nebraska Local Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 11

Omaha Builders Credit Group

Teleconference

February 8

Omaha Builders Credit Group

Teleconference

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 15

Credit Group Meeting Calendar NACM Connect - National Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 7

National Horticultural Credit Group

Hyatt Place Inner Harbor, Baltimore, MD

January 11

National Professional Apparel

Zoom

January 19

National Water Products Credit Group

Zoom

January 20-21

Meatpackers of America

El Conquistador, Tucson, AZ

January 20

National Garage Door

Zoom

January 20

National Musical Instruments

Zoom

January 25

National Firearms & Ammunition

Zoom

January 26-27

National Home Healthcare, Nursing Home & Foodservice

Sirata Beach Resort, St Pete Beach, FL

January 27

National Tool & Accessories

NACM & Zoom

February 9-10

National Coated Paper

TBD

February 9-11

National Construction Credit Group

Sheraton Sand Key, Clearwater Beach, FL

February 9-11

National Architectural Metal & Glass Credit Group

Sheraton Sand Key, Clearwater Beach, FL

February 9-11

National Auto Glass Credit Group

Sheraton Sand Key, Clearwater Beach, FL

February 11

National Circuit Board Suppliers

Zoom

February 14-15

National Plumbing, Pipe & Heating Credit Group

Sheraton at the Capitol, Austin, TX

February 14-15

National Metal Industry Raw Material Group

Hyatt Regency, Clearwater Beach, FL

February 15-16

Northeast Regional Metal Distributors

Sheraton Suites, Philadelphia, PA

February 15-16

National Home Centers

Sheraton at the Capitol, Austin, TX

February 17

National Christian Suppliers Credit Group

Zoom

February 17-18

National Consumer Products Credit Group

Sheraton at the Capitol, Austin, TX

February 17-18

National Metal Buildings & Components

TBD

February 24-25

National Steel Mill Credit Group

Sheraton Sand Key, Clearwater Beach, FL

NACM Connect - New York Local Industry Credit Group Meetings DATE

GROUP

MEETING LOCATION

January 11

WNY Food

Eagle House, Buffalo, NY

January 12

Rochester Plumbing/HVAC

CONFERENCE CALL

January 14

Buffalo Building/Construction

Eagle House, Buffalo, NY

January 18

CNY Building

Coleman's, Syracuse, NY

January 20

Rochester Building

Cerame's, Rochester, NY

January 25

Buffalo Plumbing/Electric

Eagle House, Buffalo, NY

February 8

WNY Food

Eagle House, Buffalo, NY

February 9

Rochester Plumbing/HVAC

CONFERENCE CALL

February 11

Buffalo Building/Construction

Eagle House, Buffalo, NY

February 15

CNY Building

Colemans's, Syracuse, NY

February 17

Rochester Building

Cerame's, Rochester, NY

February 18

NEW YORK Best Practices

Eagle House, Buffalo, NY

February 22

Buffalo Plumbing/Electric

Eagle House, Buffalo, NY

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 16

Event Calendar DATE

EVENT

LOCATION

TIME

PRESENTER / INSTRUCTOR(S)

January 6

NACM Connect Basic Financial Accounting (10 weeks)

Zoom Videoconferencing

5:30 p.m. – 8:30 p.m.

Curtis Litchfield, CCE

January 20

NACM Connect Emerging Leaders Roundtable

Zoom Videoconferencing

12:00 p.m.

Various

February 1

NACM Connect Illinois CCE Exam Review

Zoom Videoconferencing

5 p.m. – 8 p.m.

John Jaeger, CCE

February 3

NACM Connect Illinois CBF Exam Review

Zoom Videoconferencing

5 p.m. – 8 p.m.

John Jaeger, CCE

February 8

NACM Connect Illinois CBA Exam Review

Zoom Videoconferencing

5 p.m. – 8 p.m.

John Jaeger, CCE

February 9

NACM Connect CREDIT 102

Zoom Videoconferencing

9:00 a.m. – 4:00 p.m.

Dave Condon, CCE

February 9

Legal Symposium

Hybrid; NACM Connect Office Rolling Meadows, Illinois

8:00 a.m. – 5:00 p.m.

Various

Why Should You Join CFDD? Credit Financial Development Division (CFDD) is the educational branch of NACM.

A CFDD Chapter is a group of credit professionals organized with a focus on education, networking, and professional support for employees of member firms of the National Association of Credit Management. Local chapters meet monthly on topics of interest to the credit professional as well as seminars and workshops. Scholarships for local, regional, and national conferences are available, as well as mentor/mentee networking for problem solving and sharing of experiences. Local chapters also offer opportunities to serve on committees and boards, strengthening leadership and personal skills, while contributing toward Roadmap points for professional certification. We offer scholarships for Credit Congress, our National Conference, designations, Business Center Magazine, our National Newsletter, NACM Knowledge Center, and much more. CFDD has local chapters across the United States, and three are located within the NACM Connect territory in Kansas City, Omaha, and Wichita. We also have Direct Memberships available. If you would be interested in more information about CFDD please email Sam Bell, CFDD National Board of Directors Chairperson, at sam.bell@louisvilleladder.com or contact Kelly Shock, CCRA, CCE, Vice Chair – Member Services and Publicity, at kellyshock24@gmail.com. Or, please check out our website https://nacm.org/cfdd-home.html.

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 17

NACM Connect Member News

Welcome New Members & Reps A.N Deringer Inc. Randi Cheeseman Gustave A. Larson Company Beth Voecks Kevin Kotnour Kevin Kotnour Mcwane Plant & Industrial Esmeralda Reyes Strait & Lamp Lumber Company, Inc. Erik Vandevelde RentalMax, L.L.C. Christine Carroll Rochester Institute of Technology Patti Bullis Rochester Midland Cristen Szalay Simpson Strong Tie Inc. Nancy Karr Wille Brothers Company Trever Clark

NEW REPRESENTATIVES Eirik Carlsen Anixter Inc. Lodema Davis Anixter Inc. Madonna Rhodes Apex,LLC Christopher Salomone Bracing Systems, Inc. Doug Grimwood Caleres Alecia Selfe Caleres Eric Valdez Carboline Company Trisha Toebe Chattem, Inc. Jennifer Carlile Community Wholesale Tire Dist., Inc. Christine Horn Crown Cork & Seal USA, Inc. Jason Woods David J. Joseph Co. Renee Boutin Garaga Inc. Ryan Cooper Highway Equipment Co.

Rachel Coulter Johnson Pipe & Supply Co. Kevin Koehler Motion & Control Enterprise Jennifer Murray Old World Industries, LLC Shannon Hess Pella Windows & Doors Katie Smith ProPartners Financial Lynn Coombs R.H. Foster Krista Jackson R.H. Foster Barb Kratville Roche Diagnostics Tina Rodgers Spartan Chemical Co. Inc. Shannon Wilson Tacony Corporation Sam Gonzalez The Chapin and Bangs Company Elizabeth Brethold Trlmfoot Co. LLC Giovanna Vera UPG Enterprises LLC

Why TRUST a CLLA Certified Agency?

Rigorous Code of Ethics CLLA Certified Agencies adhere to relevant regulations in the collection of commercial debt, use generally accepted accounting practices and adhere to standards to protect and safeguard their clients’ funds. To find a CLLA Certified Collection Agency near you, visit :

www.clla.org/list-of-certified-agencies/ CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 18

Championed by

Reply From Wherever You Are

You’ll get updates directly to your inbox and you can reply from wherever you are – through your email or the app.

Connect One-To-One Or In Groups You can find other members easily and network privately in 1:1 or group chats. Be a thought leader and start new discussions related to your business, project or challenges you’re facing.

CREDITCONNECTIONS

ACCESS THE NACM CONNECT COMMUNITY FROM ANYWHERE AND AT ANYTIME! The InterConnection Community Hub allows you to share best practices, inspiration, tips, and ideas with other NACM Connect members.

Message Members On Your Preferred Channel When you join an NACM Connect Group Hub Lounge, you can post questions to members of your group, participate in discussions, get advice and network. And you can communicate through your preferred channel across the web, SMS and email. To get started, please contact Lillian Novak, CGA Chief Communications Officer lillian.novak@nacmconnect.org. JANUARY / FEBRUARY 2022

PAGE 19

Institute of Credit: 2022 Course Schedule

Institute of Credit 3005 Tollview Drive Rolling Meadows, IL 60008 Phone: 847-483-6478 Fax: 847-253-6241 nacmconnect.org

2022 Course Schedule

All courses are available through live videoconferencing! CBA COURSES Basic Financial Accounting

WINTER Thursdays | January 6 – March 10

Business Credit Principles

SPRING Mondays | March 14 – May 16

Financial Statement Analysis I

SPRING Thursdays | March 17 – May 26*

(10 weeks)

CBF COURSES Business Law

SPRING Wednesdays | March 16 – June 1

(12 weeks)

* No Class on the day of the Chicago Annual Meeting (date TBD).

PLEASE NOTE: All mid-terms and finals will be administered online during regular business hours.

Please contact Lillian Novak at lillian.novak@nacmconnect.org if you have any questions. COURSE FEES

Member – $450 (plus textbook fee**) Two coupons are valid per person.

Non-Member –$900 (plus textbook fee**)

**Additional rush charges may occur if registration is not submitted two weeks prior to start of class.

Evening Class Times: 5:30 – 8:30 p.m. CST

(3:30 – 6:30 pm PST; 6:30 – 9:30 pm EST)

As a remote student, you can take live classes via our videoconferencing platform from the comfort of your home or office.

Questions?

Contact Margaret Krafft at 847.483.6420 or margaret.krafft@nacmconnect.org

Tuition Must be Paid Before the First Class Begins.

All registrations for NACM Connect educational events are taken online at nacmconnect.org Absolutely no registrations will be accepted after one week prior to the class date. No exceptions. While registering online, you will have the opportunity to choose your payment method. We are happy to take a credit card online or invoice you. You will also have the opportunity to apply coupons as allowed.

Classes are subject to cancellation based on enrollment.

Questions? Contact Lillian Novak at lillian.novak@nacmconnect.org or call 800.935.6226 CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 20

Institute of Credit: 2022 Exam Review Class Schedule

Institute of Credit

3005 Tollview Drive Rolling Meadows, IL 60008 Phone: 847-483-6478 Fax: 847-253-6241 nacmconnect.org

2022 Exam Review Class Schedule EXAM DATE

Review Class

Monday March 7

Tuesday February 8

Thursday February 3

Tuesday February 1

Monday July 25

Tuesday June 28

Thursday June 23

Monday June 20

Monday November 7

Tuesday October 11

Thursday October 6

Tuesday October 4

CBA

Instructor John Jaeger, CCE

CBF

CCE

Time 5 - 8 p.m. CST

Tuition $125 per class

One Coupon Accepted

Available to participate via Zoom Videoconferencing! All registrations for NACM Connect educational events are taken online at nacmconnect.org While registering online, you will have the opportunity to choose your payment method. We are happy to take a credit card online or invoice you. You will also have the opportunity to apply coupons as allowed. Cancellation Policy: Cancellations must be received in writing, via fax, e-mail or mail, no later than one week prior to the class date to qualify for a full refund. Cancellations received later than a week prior to the class date do not qualify for a refund of registration fees. Sorry, phone cancellations cannot be honored.

Questions? Contact Lillian Novak at lillian.novak@nacmconnect.org or call 800.935.6226

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 21

Institute of Credit: Credit 101, 102 &103

2022: ILLINOIS Available through Zoom live videoconferencing Credit 101, 102 and Credit 103 are interactive and invite the class to give real world examples of the credit department environment. In each class, NACM Connect provides a textbook for each student to take back to the office and use as a reference guide. The intention of these courses is to teach students about credit and prepare them for the workplace. These classes also set the stage for continuing education in future seminars and Institute of Credit classes, in which students prepare to earn their professional designations.

CREDIT 101

CREDIT 102

CREDIT 103

Credit 101 is a basic-level orientation program that introduces newcomers to the multifaceted field of credit management. This session examines the credit function, the procedures and tasks performed in a typical credit department and how those procedures impact an entire organization.

Credit 102 is an intermediate-level program designed for inquisitive credit personnel who wish to exceed the basics of credit management. This professional educational program examines the underlying knowledge required to successfully function and advance in today’s ever-changing credit department.

Credit 103 is designed for mid-level credit professionals who would like to learn where they fit into the corporate structure and give them tools, which are not widely talked about and creating a positive impact on the mission of their credit department. This course is interactive and will include scenarios that will teach students ways to use the tools presented in the class.

CURRICULUM

• The credit department function • Credit investigation • Credit policy • The legal forms of business • Basic bankruptcy • Sales/credit relationship • NACM Connect Education and the Institute of Credit

• Legal issues and out-of-court settlements • Negotiable instruments • Bankruptcy • Financial statements • NACM Education and what it can do for you

• The role of the credit department within an organization • An ethical look at the credit department • Choosing professional vendors • Putting the pieces together, how to use the tools • The importance of education and obtaining your certification

CREDIT 101, CREDIT 102, CREDIT 103 CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 22

Institute of Credit: Credit 101, 102 &103

Members: $230 (per class) Non-Members: $460 (per class) Two coupons are valid per person

All classes are from 9 a.m. – 4 p.m. CST Location: Zoom Classroom

CREDIT 101

CREDIT 102

CREDIT 103

----------

February 9

April 13

May 4

June 8

July 13

September 7

October 5

November 9

Zoom Classroom Questions?

Contact Margaret Krafft at 847.483.6420 or margaret.krafft@nacmconnect.org All registrations for NACM Connect educational events are taken online at nacmconnect.org While registering online, you will have the opportunity to choose your payment method. We are happy to take a credit card online or invoice you. You will also have the opportunity to apply coupons as allowed.

Please Note: • • • •

Payment must be received one week prior to class date “No Shows” will be responsible for full amount Classes subject to cancellation based on enrollment 0.6 CEUs available

Cancellation Policy: Cancellations must be received in writing (via fax, email or mail) no later than one week prior to the class date to qualify for a full refund. Cancellations received later than one week prior to the class date do not qualify for a refund of registration fees. Sorry, phone cancellations cannot be honored. A 20% surcharge applies to late registrations and rebooking. If you have any questions, email info@nacmconnect.org.

JANUARY / FEBRUARY 2022

PAGE 23

Caine & Weiner Giveaway

$150

2022 Quarterly Giveaways

JANUARY | FEBRUARY | MARCH Place a collections claim with Caine & Weiner anytime during the months of January, February and March and become eligible to win a $150 NORDSTROM gift card.

Each claim you place will be eligible for the drawings. Enter as often as you like! For information on placing claims, please contact Jim McGee at 847.407.2348. You may also place a claim online at www.caine-weiner.com.

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 24

Credit Application Processing

Credit Application Processing NACM Connect Will Do the Work For You Let Us Contact the References for You We will contact the references and forward the responses directly to you. The trade information will be merged onto the NACM National Trade Credit Report and you will receive the report, which may include additional payment history contributed from NACM members nationwide. Pricing:

How the Credit Application Processing Service Works NACM Connect’s Credit Application Processing Department can assist you and your team to help streamline the process, reduce the cost of internal processing and provide you with a more thorough and comprehensive picture of the applicant. Three Ways to Submit your Credit Application:

Rush Processing (24 hrs) ..........................................$25.00

1. Fax the credit application to 937-433-0307* or

Regular Processing (4-5 business days) .............$20.00

2. Email it to businesscredit@nacmconnect.org, or 3. Upload it to www.nacmconnect.org/services/ credit-application-processing

Additional Information (Subject to Availability): Secretary of State ......................................................... $5.00 UCC Records ................................................................... $5.00 (up to the 5 most recent filings)

We will contact up to four Trade References and one Financial Institution. Legible applications submitted with accurate contact information will ensure a quick turnaround, saving you time to focus on other important department operations! *US and Canada only

This service is available with your membership and the first three are free! For additional information, please contact Paula Slyder at 937.401.2710 or paula.slyder@nacmconnect.org.

NACM Connect

3005 Tollview Drive, Rolling Meadows, IL 60008 • Phone: 847.483.6400 • Fax 847.253.6685 nacmconnect.org

Commercial Law League of America Commercial Law League of America Certified Agencies

The Original Commercial Collection Agency Certification Program CLLA CERTIFIED AGENCIES DELIVER: • • • • • • • • •

•

Maximum dollar recovery Prompt remittance of funds Adherence to rigorous Code of Ethics Mandatory Surety Bond protection Separate trust accounts Reputable collection practices Agency stability Mandatory continuing education for agency executives Audited annually by an independent third-party CPA firm Endorsed by the International Association of Commercial Collectors (IACC)

Since 1975, the Commercial Law League of America (CLLA) has been certifying commercial collection agencies who have earned the right to be recognized as industry experts. CLLA certification is a voluntary, in-depth examination process that requires agencies seeking certification to meet or exceed standard financial guidelines. Only agencies with the highest standards earn the CLLA certification.

Look for the CLLA Certification Seal.

To find a CLLA Certified Agency near you visit www.clla.org/certification CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 26

NACM Southwest Giveaway

$150

2022 Quarterly Giveaways

JANUARY | FEBRUARY | MARCH Place a collections claim with NACM Southwest anytime during the months of January, February and March and become eligible to win a $150 NORDSTROM gift card.

Each claim you place will be eligible for the drawings. Enter as often as you like! For information on placing claims, please contact Kelly Hall at 317.225.4281. For more information visit www.nacmconnect.org.

CREDITCONNECTIONS

JANUARY / FEBRUARY 2022

PAGE 27

CreditConnection NACM Connect 3005 Tollview Drive Rolling Meadows, Illinois www.nacmconnect.org 800.935.NACM

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