GNECUS Program Guide 2016

Program Guide Sponsor

Presented By

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The Power of Partnership

Three years after a core processing conversion with Synergent, HRCU’s management team is seeing trends in operational efficiencies, membership growth and mobile banking usage. ”Since we converted in 2013 to now, our operating costs have gone down. And we really feel as though that’s just a matter of efficiencies and just general operations. We’ve grown considerably in those three years and we have not had to add a lot of staff. We found that the operation with Synergent really lends itself to being very efficient in that they can do a lot of the work for us.” ~Brian Hughes, President/CEO, HRCU

Visit synergentcorp.com/leveragedata and hear HRCU’s amazing story.

For more information, contact:

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Fred Barber, Account Executive fbarber@synergentcorp.com 800-341-0180 ext. 593

synergentcorp.com

Technology Services providing Symitar Episys Core Processing Payment Services Direct Marketing Services

GNECUS: A DAY OF EDUCATION, DISCOVERY AND FRIENDSHIP This year, The Great New England Credit Union Show is marking its eight year of fueling the success of credit unions and the lifestyles of their members. And I’m glad you’re here to take advantage of all the value this day will bring.

During the next few hours, you’ll discover a vast array of information on cutting-edge products, technology and services needed to operate your financial cooperative. You’ll have access to educational sessions designed to foster new and innovative thinking.

And you’ll also have ample time for networking opportunities where you can sow new friendships and rekindle ones from years past.

Paul Gentile President/CEO Cooperative Credit Union Association

No other event in New England comes close to hosting for one day, under one roof, credit union attendees and high-quality service providers, where products ranging from data processing and marketing to lending and mobile banking take center stage. Here you can evaluate all these products and services, ask questions and maybe even make decisions that can put you more readily on the road to success.

Keep in mind, this show isn’t about “selling” credit unions, rather, it’s about getting educated on your ability to better serve your members. After all, education is a core component of the credit union experience, and that means be ready to hear a line-up of dynamic speakers eager to ignite your imagination, fuel your thinking and generate a conversation that can last for days. So don’t hesitate to ask questions and above all, share your thoughts.

And, just like the values we as credit union folks cherish so much, the Great New England Credit Union Show is really about people. During your time here, make it a point to network with your peers from credit unions all throughout New England. Learn how they are meeting the challenges of today. And as you catch up with familiar colleagues, remember to also make time to introduce yourself to some of the new folks who may be attending the Show for the very first time. Be sure you extend to them a welcoming hand.

Welcome to the Great New England Credit Union Show!

Paul Gentile President/CEO

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Supporting your success.

And their future.

Every moment of every day, a credit union makes a difference in a member’s life. We’re proud to play a role, with insurance and investment products that help plan, protect and invest for your future, while strengthening the financial future of your members — and their trust in you.

Learn how our approach puts you at the center of everything we do at www.cunamutual.com/aboutus.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Life, accident, health and annuity insurance products are issued by CMFG Life Insurance Company. Property and casualty insurance products are issued by CUMIS Insurance Society, Inc. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues. Corporate headquarters are located in Madison, Wis.

CORP-1384135.2-0116-0218 CUNA Mutual Mutual Group, Group, 2016 2016 All All Rights Rights Reserved.

Reserved.

CORP-1384152.1-0116-0218 ©© CUNA

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Exhibit Hall & Continental Breakfast Open

SBA Meeting

Concurrent Seminars

Concurrent Seminars TM

Concurrent Seminars

Buffet Lunch

Leadership Luncheon (by invitation)

Concurrent Seminars

Raffle Announcements

Exhibit Hall Closes

5

DIG EVEN DEEPER

WITH PURCHASE RANKINGS & MORTGAGE SEGMENTS INTERACTIVE | REAL-TIME | ANALYTICAL | FLEXIBLE Mortgage professionals rely on Warren MarketShare to gain a competitive edge in the lending market. With our latest enhancements you can dig even deeper to identify opportunities and track direct competitors. Analyze and compare mortgage origination to:

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MONITOR, ANALYZE AND TRACK LENDING ACTIVITY WITH A TRUSTED SOURCE MEASURE SALES PERFORMANCE AGAINST COMPETITION BENCHMARK THE PRODUCTIVITY OF ORIGINATORS & OFFICES

VISIT US AT BOOTH 120 FOR A LIVE WEB DEMO! Contact Data Solutions At 617-896-5365 or email datasolutions@thewarrengroup.com

LOCATE & TARGET EMERGING MARKETS

www.thewarrengroup.com

8:00 A.M. – 9:00 A.M.

Investments in new technologies such as Moven and Apple Pay tripled to over $12 billion in 2014 alone.1 Credit unions are no longer in competition merely with other financial institutions. Increasingly, you’ll be contending Scott Albraccio with non-banking entities, accessed via emerging mobile applications. Will your credit union have a leadership team in place to be successful in this mobile-based financial services world? To make that happen, you must develop and recruit a nimble, stable leadership team.

Understand how to build a leadership continuity program that can close critical compensation gaps to motivate key executives to stay, grow as professionals, and groom talented successors. And hear how supplemental executive retirement plans can play a vital role.

Thriving Through Advancing Technology: Converting Data Into Profits - Colonial Room In a time where our ‘technology ecosystem’ is advancing faster than ever before, challenges and opportunities are presented within the credit union industry as it evolves and adapts to these updates. Regardless of your specialty area, Fred Barber rapidly advancing technology permeates and impacts our processes, services, and members.

Join us for a panel discussion with credit union experts who possess complementing specialties that include technology, direct marketing, and payments. Learn how to integrate and innovate Nick Chasse to convert your data into profits.

Don’t miss this opportunity to hear directly from the experts on: • How to integrate your third party vendors and processes • Ways to leverage your data with data mining and targeted marketing • Why today’s core processing capabilities can propel your institution to the next level • The latest in mobile payments technology, including EMV, tokenization, and mobile apps Presented by Fred Barber, Account Executive, and Nick Chasse, Vice President, Business Development, Synergent

Presented by Scott Albraccio, Sales Specialist Manager,

Presented by Fred Barber, Account Executive, and Nick

Executive Benefits, CUNA Mutual Group

Chasse, Vice President, Business Development, Synergent

Why the Board Can’t be Bored with Cybersecurity

The Golden Age of Banking - Seminar Room

SBA Meeting - Seminar Room Join the SBA offices from MA, NH & RI to learn about SBA loan program updates to help you grow customers, member business loans and profitability.

9:00 A.M. – 9:45 A.M. CONCURRENT SESSIONS Maintaining Leadership Stability in the Face of Disruptive Market Factors - Directors Room

Cotillion Room Information Security oversight and accountability requires a top down approach to meet regulatory requirements, but time and again we see executive management and board members struggle to grasp the ever-changing landscape Sebastian Fazzino of Cybersecurity and Compliance. Reputational concerns of cyber threats and compliance keep bank senior executives up at night. Join the security and compliance experts of All Covered’s Finance Practice to learn how banks are taking a new approach to successfully

Tom Long

With increasing regulatory and technology expenses and thin margins, driving revenue is critical to a credit union’s success. Learn how today’s shifting demographic and behavioral landscape offers unparalleled opportunity for growth. The Golden Age of Banking is here and credit unions need to be ready to compete.

Presented by Thomas J. Long, Jr., Founder and Principal, The Long Group

implement their ISO requirements.

Presented by Sebastian Fazzino, CISSP, CISM, CGEIT, Finance Practice Director, All Covered

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Continued

10:15 A.M. – 11:00 A.M. CONCURRENT SESSIONS CECL is in Your Future. The time to prepare is now! Seminar Room The Current Expected Credit Loss (CECL) standard is on everyone’s mind these days. While the effective dates are still out in the future, to do this effectively you will need to understand this new accounting standard, you need data, you John J. Leonard need it over time, and you need to start now. This session will discuss the new methodology, how to prepare, the types of tools out there to help you, and what the potential impact could be to your Credit Union. During the presentation we will be sharing with you examples of how others in community banking are dealing with this issue. Join us to hear how you can best prepare to deal with CECL. Presented by John J. Leonard, CPA – Member of the Firm, Financial Institution Audit & Assurance, Wolf & Company, P.C.

Are You Really Exempt from Enterprise Risk

Management? Cotillion Room For good reasons, the NCUA requires their examiners to evaluate your credit union’s management process based on seven risk factors, consistent with your unique business strategy and risk tolerance. The absence of an adequate risk Courtney Dufries management framework is considered a failure in sound corporate governance, and subject to regulatory action.

Learn what the NCUA requires, and how your Board Members can now receive the same clear, concise, and comprehensive risk assessment information that all other regulated financial institutions provide their managers and board members. See how you can exceed regulatory requirements and protect your credit union, without overspending on costly consultants or software.

Presented by Courtney Dufries, Senior Vice President, Product Development and Compliance, Strunk, LLC

After the Click: Social Engineering in Context -

Colonial Room Most financial institutions have recognized the need for some level of social engineering testing and have incorporated it into their annual audit scope or key control testing. Some institutions have even gone a step further and supplemented independent, Nathaniel C. Gravel third-party testing with ongoing phishing campaigns.

But what really could happen when an employee clicks on a malicious link or attachment? This seminar will use both theory and

demonstration to show what could happen after the click, providing insight into how expanding the scope of your institution’s social engineering engagements could ultimately improve its overall security posture and culture.

Michael Kannan Presented by Nathaniel C. Gravel, Director – Information Security Practice, and Michael Kannan, Senior Security Consultant, GraVoc Associates, Inc.

Revenue, Retention and Loyalty in the Age of the

Consumer Directors Room Consumers consult 11 sources of information before making a purchase/relationship decision within the banking industry, and they increasingly expect service providers to know exactly what they want. In this presentation, we’ll review these Susan Moran industry changes and shifting consumer expectations to then uncover methods credit unions can utilize to match the sophisticated marketing techniques employed by tech companies across the country.

Presented by Susan Moran, Regional Vice President, Buzz Points

11:30 A.M. – 12:15 P.M. CONCURRENT SESSIONS “Branch Transformation” With A Focus On Mobile Banking Seminar Room The evolution of physical branches has compelled financial institutions to focus on increasing customer engagement outside the branch. To that end, the digital banking channels have evolved with capabilities that position them Jeff Troutman as the full-service virtual branch – the branch with the largest footprint and greatest level of activity.

The branches are not going away and instead will continue to evolve. With little exception, branches continue to experience a decline in the volume of transaction activity. Recognizing that the quality of each branch experience is directly tied to the level of skills and experiences of the banker, many institutions have formulated a strategy involving the CRM-enabled universal banker.

Several solutions exist – not all of which are technology related – to enhance your brand, improve the effectiveness of staffing, increase reach and service hours and generally improve the customer experience. Often discussed as the branch of the future, this is instead a topic of the branch of today and optimizing this critical channel to enhance its appeal and effectiveness.

This dialogue will focus on problems, opportunities, and how

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BOOTH #330

ARE YOUR BRANCHES SECURE? Stop by Booth #330 to learn more about our

ADVANCED ENCRYPTION SYSTEMS To learn more about Digital Intrusion Detection best practices, download our latest article! Using a smartphone or mobile device, scan the QR Code on the right. Be sure to stop by our booth to learn more about how STANLEY can be your turnkey partner for branch security!

©2016 STANLEY Convergent Security Solutions, Inc. and STANLEY Black & Decker Canada Corporation. All rights reserved. Any information that is made available by STANLEY Convergent Security Solutions, Inc. (“STANLEY”) is the copyrighted work of STANLEY and is owned by STANLEY. THIS CONTENT IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND. Any use of the information contained herein is at the risk of the user. STANLEY does not assume the responsibility to update or revise content as new information becomes available. Visit www.stanleycss.com/licenses.html for licensing information.

www.stanleycss.com

Continued

to meet their demands. Critical to the content, attendees will leave with a branch solutions matrix aimed at aligning various retail goals alongside the components and initiatives that can be employed to achieve them.

Presented by Jeff Troutman, Assistant Vice President, Client Services, COCC Same Day ACH: A Credit Union Viewpoint Directors Room With issues as complex as regulatory compliance, oversight and cybersecurity, financial institutions cannot afford to take half measures. IT security issues represent a continuous threat to the integrity Sandy Ortins

of an institution’s data, while the amount of information examiners demand regarding your policies, procedures and safeguards continues TM

to grow. Recent regulatory guidance is requiring community Financial Institutions to address the role of Information Security Officer (ISO). Join us in an informative session to learn how to effectively employ the ISO to stay ahead of cyber threats and meet regulations.

Panel Discussion: The 6 Essential Components to

Increasing Employee Productivity and Performance - Colonial Room

Learn how your credit union can take its performance to the next level by utilizing six essential components to boost employee engagement and productivity. Tony Hyte will moderate this discussion with a panel of highly Tony Hyte experienced credit union professionals who have achieved remarkable results and success when implementing these components into their respective organizations. The session will focus on providing practical insight into specific ways you can keep employees motivated and committed to improving individual and team performance to exceed organizational goals. If you’re looking to empower and unite your team this session is for you.

Presented by Tony Hyte, President, FrontLine Service Solutions, Inc. Panelists: Michael Caissey, Regional Branch Manager, Digital Federal Credit Union Linda Jackson, AVP Training Manager, Workers’ Credit Union Pete Mirante, SVP Branch Administration, Greylock Federal Credit Union Millie Zayas, VP Retail Branches, RTN Federal Credit Union

Presented by Sandy Ortins, AAP, NCP, Senior Director, New England ACH Association Solar Energy – A Channel and Market Informed Strategy For HELOC Growth Cotillion Room Credit unions have a unique opportunity to create new value with its existing customers, as well as obtaining new customers, by becoming a market leader in financing a new array of residential solar projects. The market interest in residents installing TJ Caveney home based solar projects is surging, and research shows that the economic benefit of installing solar panels impressively surpasses all other traditional usages of home equity based lending, such as kitchen improvements, debt consolidation, or kids’ tuition. Learn how you can acquire new customers, Chris Buchanan as well as activating additional lines of financing from current customers, by tapping into this phenomena. An esteemed panel will describe an innovative new approach and technologies to acquire and activate these new customers.

Presented & Moderated by TJ Caveney, CEO, NRGTree Panelists: Scott Sargis, Partner, International Entrepreneur Center Abdu Elrefaiy, Business Analyst, International Entrepreneur Center Chris Buchanan, Marketing Scott Sargis

Abdu Elrefairy

Manager, Boston Solar. Kelsey Read Mass Solar Loan

Michael Caissey Linda Jackson Pete Mirante

Millie Zayas

12:15 BUFFET LUNCH - Courtyard Sponsored by: G.T. Reilly and Sunrise Credit Services

12:15 P.M. – 1:00 P.M. (Invitation Only) LEADERSHIP LUNCHEON - Grand Ballroom Introduction Remarks by Seth Goodall, SBA Regional Administrator Keynote Speaker Tony Cignoli, President/Political Consultant, A.L. Cignoli Company Tony Cignoli

1:30 P.M. – 2:15 P.M. CONCURRENT SESSIONS Making Better, Faster Lending Decisions -

Seminar Room Statistics prove that system rendered credit application decisions fund at a higher rate than Michael Cochrum manually decisions. In this session, Michael Cochrum, Executive Lending Advisor at

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MARKETING LISTS

Provided by The Warren Group

AIM FOR SUCCESS & CONNECT WITH THE BEST

MARKETING LISTS

PINPOINT HOME EQUITY LINES OF CREDIT & ADJUSTABLE RATE MORTGAGES

HELOC CANDIDATES The number of Home Equity Lines of Credit Spiked at the end of 2015, and despite rising

Get more leads and grow your business by pinpointing mortgage refinance candidates with our marketing lists.

mortgage rates, HELOC demand is expected to continue its upward trajectory for the remainder of this year.

Make the most of your marketing campaigns, and identify mortgage

ARM BORROWERS

refinance candidates with Marketing Lists from The Warren Group.

Freddie Mac surveys indicate that national fixedrate mortgage rates are averaging an attractive 3.59%. The time is limited for ARM borrowers to convert to a fixed rate. Reach out to those who would benefit most from your institution’s offerings.

The Warren Group’s real estate and mortage database allows lenders to customize a marketing list that caters to their immediate needs and focuses.

Uncover potential new customers for your residential and commercial lending teams. After the lulls in the refinance market, the attractive loan

FHA BORROWERS

options, healthy real estate market, and continued growth of the economy

At the beginning of 2016, the FHA announced a reduction in PMI from 1.35 to 0.85, creating a unique opportunity to reach out to borrowers looking to reduce their monthly PMI payments.

points to a more active 2016. We’ll help you keep the phones ringing.

CUSTOMIZE YOUR PROSPECT LISTS BY:

FIRST-TIME BUYERS

n

Geography

n

Property Type & Valuation

Act not and reach potential first-time homebuyers who want to take advantage of the popular FHA mortgage program.

n

Loan/Sale History

n

Equity Percentage

n

Owner Occupancy

n

And more…

Speak with an account manager about which marketing lists are right for you.

(617) 896-5365 | datasolutions@thewarrengroup.com

Continued

CU Direct, will demonstrate how a credit union can use data it already has to improve lending decisions to make them more accurate, consistent and timely. By optimizing credit decisions, the credit union stands to fund more loans. Michael dispels some of the myths associated with some of the most common credit attributes. Attendees will walk away with a better understanding of how their internal data can guide them into making better, faster lending decisions.

Presented by Michael Cochrum, Executive Lending Advisor, CU Direct Vendor Management, Data Security and Privacy, and Their Impact on Your Members Cotillion Room The NCUA and the CFPB agree that credit unions must protect members from harm by third party vendors, in particular outside parties with access to a members funds and non-public personal

minimum operational expectations for credit unions involved with mortgage lending, and highlight some of the useful tools and services available to enhance and test internal policies and procedures.

Presented by Andrew Liput, CEO, Secure Insight Cooperative CU Association Update: Delaware Merger Colonial Room The Delaware League Board and the Board of the Cooperative Credit Union Association have voted to pursue a merger. During this session, CCUA President Paul Gentile and other members of CCUA’s leadership will explain the benefits of this merger opportunity.

Paul Gentile Presented by Paul Gentile, President/CEO, Cooperative Credit Union Association

information such as those involved in residential Andrew Liput

mortgage lending transactions. Consumer protection, loan quality assurance and overall enterprise risk management require careful

planning, useful tools, and a managed approach to meet regulatory and compliance expectations, and to prevent financial losses. This seminar will provide a review of the regulatory landscape, lay out

2:15 P.M. - 2:30 P.M. Raffle Winner Announcements

2:30 P.M. EXHIBIT HALL CLOSES

Member data is gold...

Create transactional documents that deliver results for you!

• Transform member data into highly personalized communications • Use the latest technology for print and e-statements • Assure the highest quality and 100% accuracy

WIN A

$500

TICKETMASTER GIFT CARD

www.cathedralcorporation.com 800.514.0591

by visiting with some of our vendors - drawing held on the show floor at 2:15 P.M.

13

Company

Booth #

All Covered

30

Raffle Prize

Allanach Mortgage Group

140

Alloya Corporate FCU

310 FitBit

Bancsource

400

FitBit Blaze

Bankers Advisory

350

Fitbit Flex Wireless

BBN

730

behind the plate Red Sox tickets

BITS

490

Bluepoint Solutions BoliColi.com -

360

Red Sox tickets (2)

M Benefit Solutions

665

Amazon Echo

BranchServ

570

Burroughs, Inc.

790

Buzzpoints

540

Cathedral Corporation

290

CCUA

900

North Atlantic Appraisal Company, An Arivs Company, Inc. 525

COCC

520 N/A

VIZIO 50 inch Smart TV

CO-OP Financial Services

510

Partners Benefit Group

870 650

Red Socks Tickets

Booth #

Macpage, LLC

40

Magee Company

100 &100

Marcum LLP

690

MemberClose

880

Raffle Prize

Members Mortgage Company, Inc. 20 NEACH

630

$100 AMEX gift cards (2)

NEACH Payments Group

560

$100 AMEX gift cards (2)

NES Group

710

$100.00 Visa Gift Card

New England College of Business 500

$25 Visa Gift Card

New England Design Associates 430

$50 cash gift card

$100 gift card

New England Money Handling Systems

320

Norcom Mortgage

190

Corelation Inc

740

PSCU

CU Direct

380

Red Hawk Fire & Security

800

CU Members Mortgage

530

Rentsys Recovery Services

700

CU Solutions Group

910

CUAlliance

600

Cummins Allison

170

$100.00 AMEX Gift Card

Reverse Mortgage Funding LLC. 480

Route 66 Extended Warranty 130

CUNA Mutual

860

GoPro Camera

Custom Card Systems, Inc.

160

Customized Service Concepts

770 & 760

eDOC Innovations

440

Enterprise Car Sales

60

FinanceGenius/RateGenius

750

Fit Bit

Wireless Headphones

FrontLine Service Solutions, Inc. 810

14

Company

Sage Data Security

660

ScriptRelief

780

Secure Insight

410

Security Management Partners

460

SilverTech, Inc.

450

Solidus

620

$100 Visa Gift Card

Apple TV

How to Make Your Money Last: The Indispensable Retirement Guide

By Jane Bryant Quinn

AMEX Gift Card $100 AMEX gift cards (2)

STANLEY

G.T. Reilly & Company

470

GraVoc Associates, Inc.

220

GreenPath Financial Wellness

340

Greylock Insurance Agency

820

FitBit Blaze

Haberfeld Associates

180

2011 Silver Oak Cabernet

HUB Technical

150

IMM

830

$50 gift card

Innovative Business Systems

840

$100 AMEX Gift card

Integrated Security Group & Mason Financial Services, Inc.

720 390

$100 American Express Gift Card $200 Amazon Gift Card

LendKey Technologies

930

LoanLogics

890

LoanStreet LLC

300

LSC

200

Convergent Security Solutions, Inc. 330 $100 Amazon Gift Card

2 separate $50 Gift Cards

Strategic Information Resources, Inc. 590 FitBit Strunk, LLC

670

Synergent

850 & 680

Systems Engineering

280 Tablet

Talari Networks

210

iPad Mini Bose Headphones and iPad Pro Star Wars BB-8 Driod

Teledata Communications, Inc. (TCI) 370 Lee

Temenos USA

90

The Long Group

260

The Warren Group

120

Travelers

50

Ventus

295

Winbrook

920

Wolf & Co.

10

$100 Gift Card Pair of Patriots Tickets

Amex Gift Card

120 The Warren Group

130 Route 66 Warranty

140 Allanach Mortgage

150 HUB Technical

160 Custom Card Systems

170 Cummins Allison

180 Haberfeld Associates

8 x 8’s White

8 x 10’s Blue

200 LSC

210 Talari Networks

190 Norcom Mortgage

100& 110 Magee 770 & 760 Customized Service Concepts

90 Temenos USA 60 Enterprise Car Sales 50 Travelers 40 Macpage

PODCAST

30 All Covered

600 CU Alliance

590 SIR

430 NE Design Associates

410 Secure Insight

COFFEE, DESSERTS AND REFRESHMENT

780 SciptRelief

750 FinanceGenius

620 Solidus

570 BranchServ

440 eDOC Innovations

400 Bancsource

790 Burroughs, Inc.

740 Corelation Inc.

630 NEACH

560 NPG

450 SilverTech, Inc.

390 Lee & Mason Financial

800 Red Hawk

730 BBN

460 Security Mgmt Partners

380 CU Direct

810 Frontline Service

720 ISG

470 G.T. Reilly & Company

370 Teledata Communications

280 Systems Engineering

820 Greylock Insurance

710 NES Group

480 Reverse Mortgage Funding, LLC.

360 Bluepoint Solutions

290 Cathedral Corporation

830 IMM

700 Rentsys Recovery

490 BITS

350 Bankers Advisory

295 Ventus

840 Innovative Business Systems, Inc.

690 Marcum LLP

500 NE College of Business

340 Greenpath Financials

300 LoanStreet LLC

510 CO-OP Financial

330 Stanley Security

310 Alloy Corporation

20 Members Mortgage

850 & 680 Synergent

650 PSCU

540 Buzzpoints

660 Sage Data Security

530 CU Members Mortgage

665 BoliColi.com

525 North Atlantic Appraisal

670 Struck, LLC

520 COCC

10 Wolf & Co

220 GraVoc Associates 260 The Long Group

320 NE Money

860 CUNA Mutual

870 Partner’s Benefit Group

880 MemberClose

890 LoanLogics

900 CCUA

910 CU Solutions Group

920 Winbrook

930 LendKey

ENTRANCE

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PLATINUM SPONSOR Synergent is committed to promoting the growth of credit unions through service excellence in the delivery of quality products and services. A subsidiary of the Maine Credit Union League, Synergent offers credit unions in New England and New York access to Symitar’s Episys Core Processing in a service bureau environment.

Our Technology Services, Payment Services, and Direct Marketing Services divisions provide the most accessible, integrated solutions in the industry that include the latest in mobile payments and increase marketing return on investment through member data mining. For more information about Synergent and its services, visit www.synergentcorp.com.

GOLD SPONSORS Wolf & Company’s financial institution practice is one of the largest in the Northeast, providing assurance, tax, risk management, and business consulting services to more than 200 institutions. With a century of experience in financial institutions, we pride ourselves on unparalleled client service that includes direct involvement from our senior management combined with responsive service from our multi-disciplinary team. Our clients represent financial institutions from denovo community banks to large regional institutions facing unprecedented regulatory scrutiny. Through our collaborative service strategy, we understand our clients’ challenges and opportunities and work with them to achieve their business goals while navigating potential obstacles. www.wolfandco.com

All Covered, a division of Konica Minolta Business Services U.S.A., Inc., is one of the nation’s leading IT services companies. All Covered’s Financial Division provides a suite of services for community banks and financial institutions that mitigate security and compliance risk, reduce IT expenditures and improve operating efficiencies. All Covered has local offices in over 25 cities with more than 500 engineers, and is fully certified in all major IT technologies. www.allcovered.com.

Buzz Points, Inc. is the creator of the Buzz Points loyalty product suite, which connects consumers, local merchants and community financial institutions through social media engagement, targeted marketing and rewards. The Buzz Points program enables credit unions to generate greater non-interest income, increase transactions, reduce account attrition, drive new loans and attract new customers. Buzz Points provides additional revenue to financial institutions, increases existing consumer loyalty and supports local businesses by increasing their market reach and attracting new customers. For more information, visit www.buzzpoints. com.

COCC is the fastest growing financial data processing company in the United States and recognized as a leader in delivering innovation and quality service to financial institutions. Launched in 1967, COCC was founded by its clients. This unique cooperative structure has set COCC apart from the competition and is one of the driving forces behind our success. COCC thrives with its highly flexible, fully-integrated core technology services, solid client ratings and frequent, meaningful exchanges with clients. At COCC, collaboration with clients yields success. For more information, please visit www.cocc.com

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Based in Rancho Cucamonga, Calif., and founded in 1981, CO-OP Financial Services is the nation’s largest credit union service organization in terms of number of credit unions, assets and members. The company helps credit unions thrive by providing products and services that make it more convenient for members to do business with them. With a motto of “Be There. Be More,” CO-OP’s products fall into three business lines, including “Locations,” (ATM, shared branching and call center services); “Card Payments” (debit and credit processing) and “Mobile/Virtual” (mobile, online, check imaging, bill pay services). To learn more visit www. co-opfs.org.

Established in 1994, CU Direct Corporation is the credit union industry’s foremost provider of leading lending solutions. Through its CUDL, Lending Insights, OnSpot Financing, Vero and Lending 360 brands, CU Direct Corp. offers a diverse, extensive library of products and services designed to help credit unions advance their lending programs and achieve overall portfolio success. For more information about CU Direct Corporation’s brands and full range of best-in-class lending products and services visit www.cudirect.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. www.cunamutual.com

FrontLine Service Solutions, Inc. specializes in partnering with credit unions to provide comprehensive frontline banking performance solutions to increase productivity and revenue. All programs are exclusively tailored to meet our clients’ unique training needs. Our highly effective 3-Step Training Process™ will motivate and transform employees by empowering them to adopt a member-centric culture which will significantly improve employee engagement and member loyalty. Our many years of practical hands-on banking experience have enabled us to develop the most relevant and effective frontline training in the industry. To learn how to take your performance to the next level, please visit www. frontlineservicesolutions.com

GraVoc Associates, Inc. is a family-owned and operated consulting firm located in Peabody, MA. The company is comprised of four practices, one of which is dedicated entirely to information security for community banks and credit unions throughout New England. Originally formed out of a demand for Y2K risk assessment and auditing services, GraVoc’s information security practice has since expanded to address three principal functions within the financial services industry: risk management and compliance, IT assurance, and IT audit. www.gravoc.com

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Today’s business environment is defined by aggressive growth and profit targets. To meet this challenge, senior management in the banking and insurance industries have come to depend on trusted executive advisors. The Long Group has consistently partnered with banking and insurance industry senior management, providing strategic consulting that has helped clients improve market share and earnings. Forming a relationship with The Long Group provides you with a strategic competitive advantage. We partner with your management team and are always interested in your success. You can expect the highest standards of professional service, client satisfaction and business integrity. We deliver value. The Long Group is unique. With market research, strategic planning, expansion planning, product management and marketing expertise, we are your go to market experts. Drive revenue, control costs and improve performance with The Long Group’s suite of trademarked services like LocationLab and PlanningLab. Put the power of The Long Group to work for you. Enhance your knowledge of your markets and customers to drive revenue and control costs. Contact us or call us at 603-424-5664 to discuss how we can help your business succeed. longgrouponline.com

Macpage LLC provides integrated audit, consulting and tax services to approximately 80 credit unions throughout the Northeast. We have worked with credit unions for over 30 years, and understand how important it is for credit unions to engage firms who thoroughly understand the industry and who can tailor services to meet their specific needs. Our services include financial statement audits, 401(k) audits, internal audits, risk assessments, regulatory compliance, IT general controls reviews and service organization control (SOC) exams. Our integrated team approach values your time and gives you access to the broadest range of Macpage expertise. Please visit macpage.com for more information.

New England Automated Clearing House (NEACH) is a non-profit association dedicated to helping members originate and receive ACH transactions and acts as a national advocate for member New England financial institutions in relation to electronic payments. www.neach.org.

TM

NEACH also provides a variety of high quality services, including: * AAP Certification and Continuing Education Credits * NCP Certification and Continuing Education Credits * ACH and Payments Education * ACH Rules Hotline * Custom On-Site Training * Operations and Payments Conferences * Payments Management and Strategy Services

NRGTree helps lending institutes provide loans for solar. We do this by streamlining the financing and installation online: -NRGTree creates a private label site visits website -Solar installers bid -The lending institute markets to -The customers make a choice customers -The lending institute finances -The customers request quotes and www.nrgtree.com 18

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Do you know who is closing your loans and having access to your members sensitive information? We do!

Secure Insight maintains the most respected and accurate live database of vetted and monitored settlement agents in the mortgage industry. Founded in 2009, Secure Insight’s vetting technology and risk reports, protect both credit unions and their members from potential fraud while meeting NCUA expectations for vendor management.

We also offer vendor risk management for all of your business partners. Secure Insight is SSAE16 certified, complies with IApp and PCI/DSS data privacy and security standards, and carries A-rated insurance and cyber liability coverage. www.secureinsight.com

Strunk has developed and implemented successful profit improvement programs for hundreds of community FIs over a period of more than thirty years. In addition to our core Overdraft Privilege Service (ODP), we offer other simple programs that help FIs boost the profitability, customer loyalty and regulatory compliance of their core customer base. Strunk provides the focus, experience and resources your organization needs to increase the value of the 80% of your customer base that is unprofitable‌with no risk to your institution beyond reimbursed travel. To learn more, contact us at 800.728.3116 or info@strunklp.com. www.strunklp.com

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lending is better than pending Can I use my iDOG pad to close this loan?

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Loan Applications Denial Notice Loan Officer Worksheet Notice to Cosigners Life & Disability Insurance

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Debt Protection Gap Insurance Subsequent or Adverse Action Notice to Cosigner Open and Closed End Notes

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800.425.7766 option 3 sales@edoclogic.com