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Plan Now to Attend This Premier Event!MCUL & Affiliates2013 Annual Convention and ExpositionMay 16-18 | Marriott at the Renaissance Center, DetroitBe Positively Connected!LEADERSHIPVOLUNTEERSFIRSTTIMECOMPLIANCESee it. Think it. Learn it. Connect to it. The cooperative spirit ofcredit unions shines its brightest when attendees like youexperience what it is like to be linked together for the commongood. Get ready to gather for the biggest Michigan credit uniontraining event of the year, plus so much more!• World-class Destination• Up-to-the-Second Industry Insights• Superb Peer Interaction• Experiential Learning• Exciting ExpositionInvestment:$339 per person.Send five attendees, the sixth and more payjust $284 per person.One-day registration options available.Curbside Valet ParkingValet park at the front door ofthe Marriott at the RenaissanceCenter and then step right insideto begin enjoying the comforts ofthe hotel and the excitement ofthe conference!Why Do I Attend?“For the scope and quality of theeducation sessions…the high qualitytrainers and speakers, and the contentthat is specific to current issues.”Jill Reno, President/CEOFinancial Plus Federal Credit UnionSo Much to See and Do in DetroitGrab Your Friends and Check-Out Great AreaAttractions While at the AC&E• Detroit Historical Museum• Fox Theater• Detroit Institute of Arts• Dossin Great Lakes Museum• Greektown and Greektown Casino• Model T Automotive HeritageComplex Center• MGM Grand Detroit Casino• Hart Plaza and Detroit RiverWalk• Motor City Casino• Campus Martius Park• Majestic Theater• The Detroit Repertory Theatre• Show Me Detroit Tours• Charles H. Wright Museum ofAfrican American HistoryBe Part of WhatMakes Detroit GreatDetroit has been named as oneof the 15 Hottest American Citiesof the Future by Business Insider,who cited “young idealists aremoving back to Detroit” creating“small businesses, many ofwhich are socially andenvironmentally responsible.”Learn More atVisitDetroit.com#mculaceGreat Professional Development Starts at www.mcul.org 3

People are the Heart and Soul of Credit UnionsHR, Trainer and Supervisor InstituteOctober 1 & 2 | Soaring Eagle Casino and Resort, Mt. PleasantLEADERSHIPCOMPLIANCEFIRSTTIMEIs it possible to get TOO energized at a conference? We don’t thinkso! Especially an event that is so important to developing the skillsof the people who keep your credit union supercharged andrunning smoothly every day.• Three Amazing Agendas Create One Superb Experience• Fabulous General Session• 100% Focus on Professional Development forHR, Trainers and SupervisorsInvestment:$310 per person.One-day registration option is available for$155 per person.Why Do I Attend?“This conference is one of the best thatthe MCUL puts on. I have attended for thepast several years and there are alwaysmany great take-aways that I can applywhen I get back to the office.”Jennifer Jacobs,Vice President of OperationsAwakon Federal Credit UnionHR InstituteSo many aspects of human resources management continue to change, so fast, thatit is important for everyone in your HR department to get the training they need tostay current.• Get Beyond the Headlines of Healthcare Reform• Follow the Trends That Other HR Professionals Find Successful• Get the Latest on Compliance Topics You Need to ImplementTrainer InstituteThe responsibility of training employees is an important aspect of creditunion operations.• Discover Valuable Resources to be More Effective• Interact With Others Who Fill the Same Role as You• Start Putting Technology and Training Tools to the Best UseSupervisor InstituteMost everybody thinks they want to be in charge, well…until they are actually incharge. Being a great manager or supervisor involves unique skills and importantknowledge to be effective.• Stay Current With Legal Issues Supervisors Should Understand• Gain Insights on How to Make Your Team as Effective as They Can Be• Develop Your Own Leadership Style and See Yourself GrowGet the CreditYou DeserveSelect sessions will be submittedfor approval for generalrecertification credit hourstoward PHR, SPHR and GPHRrecertification through the HRCertification Institute, aninternationally recognizedcertifying organization.#mculhrtsi6 Questions? Call (800) 262-6285“Let it never be forgotten that the credit union is, above all else, anassociation of people, not of dollars.” – Alphonse Desjardins

It’s Going to be a Grand Time in Grand RapidsMarketing ConferenceFebruary 12 & 13 | Amway Grand Plaza Hotel, Grand RapidsFeaturing “Marketing to the Right Generation” With Mark ArnoldWhen we say we are bringing some of the best and brightest marketingauthorities together just for you, we mean it! You’re going to want to be atthis marketing event, the one your peers will be talking about all year long.• Keep Those Creative Juices Flowing and Leave With Great Ideas• Stay Ahead of the Curve With Marketing for Member Growth• Find Out How to Put Emerging Technology to the Best Use• Gain Peer-to-Peer Insights From ColleaguesDo You WearMultiple Hats?Select Training From the Lending orMarketing Conference Agendas!Investment:$310 per person by January 25; $360 per person after this date.Lending ConferenceFebruary 12 & 13 | Amway Grand Plaza Hotel, Grand RapidsFeaturing “Trends in Banking” With Pierre CardenasDear Credit Union Lenders: We’ve got you covered! Once you see this complete eventagenda, we know you are going to want to attend. It is going to be what you need to know,delivered in one outstanding location.• Get a Credit Score Guru’s Insider Look at Credit Repair• Start Navigating the New Regulatory Environment• Consumer Financial Protection Bureau Information That is Pertinent to You• Member Business Lending From the Perspective of a Michigan Credit Union CEONetworking ThatWill Float Your Boat• Morning Zumba…Wow!• Hors d’oeuvre ReceptionWith Vendors• Titanic Exhibit Free Admission• Scavenger HuntInvestment:$310 per person by January 25; $360 per person after this date.Why Do I Attend?Compliance From A-Z (Formerly Compliance for Executives)February 14 | Amway Grand Plaza Hotel, Grand RapidsExtend your Grand Rapids stay or attend for the day, to get a great overview ofthe fast-paced, ever-changing world of regulatory compliance. If you areresponsible for maintaining compliance, then “yes!” you should attend.“This is a perfect opportunity for creditunion professionals to hear from expertsregarding upcoming regulatory changes,without having to spend money to travelout of state. Thanks for hosting such awonderful and effective conference!”Investment:$169 per person by January 25; $199 per person after this date.Glory LeDu, CUCE, BSACS,Director of ComplianceCASE Credit UnionLEADERSHIPCOMPLIANCECFPBFIRSTTIME#mculmarketThink Staff Development, Think www.mcul.org 7

One-Day Training, Worth Every MinuteCompliance From A-ZFebruary 14 | Amway Grand Plaza Hotel, Grand RapidsJune 6 | Holiday Inn, Marquette• Mortgage Lending Consumer Financial ProtectionBureau Update• Top Compliance Mistakes• 10 Steps to Building & Maintaining a SuccessfulRegulatory Compliance Program• Servicemembers SCRA• State Law Update• Compliance Roundtable(Formerly Known as Compliance for Executives)Memory MagicOctober 22 | Michigan First Credit Union, Lathrup Village• Featuring Amazing Insights From Authority Paul Mellor• Start Putting Names to Faces With Surprising Ease• Get an Insider’s Most Valuable Tips toRemember Most Anything• Feel More Confident and EffectiveWithout Drawing a Blank• Choose From the Morning orAfternoon Session• Perfect for Anyone Who is BusyWith a Lot to Remember!Investment:$199 per person;$169 per person for early registration.Investment:$99 per person.Collector’s Training SchoolMay 2 | Holiday Inn, MarquetteMay 8 | The Inn at St. John’s, Plymouth• Offered in Collaboration With theCollector’s Consortium• Featuring Collection ProfessionalKarin Brown at Plymouth Location• Latest Industry News You Can Use• Superb Networking Opportunity• A Great Resource to Keep Collection Skills SharpTelephone Collections SchoolNovember 7 | Somerset Inn, Troy• Featuring Popular Collection Authority Steve Peterson• Bring Along One of Your Toughest Cases• Hear Collection Calls Being Made Live• Refine Your Strategy and Learn to Place Better Calls• Learn the Value of Effective Documentation• A Great Refresher for New or Seasoned StaffersInvestment:$169 per person.Investment:$199 per person;$169 per person for early registration.IRA Essentials and Beyond EssentialsSeptember 24 & 25 | Bavarian Inn Lodge, Frankenmuth• Learn First-Hand From Ascensus IRA Consultants• Day One: Essential Topics – No Advanced Knowledge• Day Two: Beyond Essentials –Build on What You’ve Learned• Choose One Day or Both Days• Covers Both Traditional and Roth IRAs• Includes Required Minimum DistributionsInvestment:$199 per person, per day.8 Questions? Call (800) 262-6285“Ours is the opportunity, ours is the responsibility.”– Roy F. Bergengren

Financial Education Tools for Community ImpactMCUL & Affiliates provides support to credit unions to get involved with financial education andcommunity activities that make an impact, and we work to increase awareness of such efforts. We knowthat you are people helping people, and we are here with great support to give you a hand.• Financial Education Webpages –Free online information, resources and turn-key presentations to deliver financial education trainingto students and all other ages.• Financial Literacy Legislative Challenge –Pairs credit unions with lawmakers for heightened awareness at financial education events duringNational Financial Literacy Month in April.• Financial Counselor Training –Knowledge and skills to help members financially survive and thrive through enhanced training thatcomplements CUNA’s Credit Union Financial Counselor Certification curriculum.• Community Impact Support –Funding and easy to implement ideas for community outreach and financial education activitiesthrough the Michigan Credit Union Foundation.• Community Reinvestment Survey and Impact Report –Vital information about Michigan credit unions to share with lawmakers, community leaders and thepublic about the economic and social impact that make credit unions unique.For more information about these activities and resources contact Beth Troost at Beth.Troost@mcul.orgor by phone at (800) 262-6285, ext. 453.Put Our Consulting Team to Work for YouWhether your credit union needs compliance guidance, a helping hand for its Human Resourcedepartment, advice on asset management or anything in between, MCUL & Affiliates’ Consulting Servicesteam has proven strategies and solutions to make it happen. We have expertise in the following areas:• Asset Liability Management• Compliance & Audit Consulting• Human Resource & Recruitment Consulting• Strategic Planning & Income Improvement• Custom Training & Development> Cross Selling for Service> Management Development> Robbery Training> Orientation and Onboarding Development• Board GovernanceOur consultants can be an invaluable resource to your credit union and help it grow. For more informationcall (800) 262-6285, ext. 520 or visit www.cusolutionsgroup.com.Look Inside the CUBE to Start Thinking Outside the BoxThis comprehensive online video platform features detailed looks into national and Michigan-specificcredit union issues, as well as training videos. Check out the CU Campus channel for free shorteducational videos on a variety of topics at www.mcul.org.Training Resources Lead to Success at www.mcul.org 9

The Training You Need When You Want ItWebinars on Demand – Always Available, More Added RegularlyLEADERSHIPVOLUNTEERSCFPBCOMPLIANCEBusy credit union professionals like you now have the flexibility of enjoyingaffordable training anytime you want...by downloading convenientWebinars on Demand.Plus, once you purchase a Webinar on Demand and download it, you maysave it to a DVD, computer or flash drive and share it with your peers,allowing you to train as many staff members, in as many locations and asoften as needed!• A Great Value…Most Priced at $129 or Less• Ideal for Learning Libraries• Select Topics Perfect for Use as Training at Staff orBoard Meetings• Perfect Resource for New Hires• Never Need to Adjust Your Schedule for Webinar Dates —Each Session Archived as a Webinar on Demand• A Real Value for Training Multiple Staff Members in Different Locations• Reference Complex Topics Over and Over, As Often as You NeedTake a Look at the Great Selection of Webinars on Demand That are Already Available• Collections Series - Advanced• Collections Series - Intermediate• Collections Series - Beginner• BSA for Management/CEO• BSA for Volunteers• BSA For Frontline Staff• Verifying Borrowers’ Income Using Tax Returns• Credit Union Star Wars: Technology Strategy & Planning• Mobile Banking - The Wave of the Future• Compliance Information for Branch Managers• How to Write Great Copy: Tips for Snappy Advertising• Coaching to Improve Sales Performance• Modern Complaint Investigations• What Board Members Need to Know• Protecting Members from Elder Fraud• RESPA Requirements for Escrow Accounts• How to Compete with Car Dealer Financing Tactics• Beyond Account Basics• Financial Literacy for Board Members• Turning Around Member Complaints• New Products to Serve Members & Generate Income• You Know You’re a Bully If...• Sales and Service• Fee Comparisons - Banks vs. Credit Unions• Regulatory Update• Allowance for Loan Losses (ALL)• Residential Mortgage Fraud• Troubled Debt Restructuring• Getting Serious About Remote Deposit• Strategies to Increase Non-Interest Income• Tips to Managing Interest Rate Risk• Can They REALLY Garnish My Social Security?• Concentrating on Concentration Risks• Preparing Frontline Staff for Robbery Response• Member Investment and Insurance Solutions• And Many More!10 Questions? Call (800) 262-6285“You’ve got to grow with the times without losing thereason for why you grew.” – Louise McCarren Herring

No Need to Shop Around for CFPB ComplianceWe Bring it to YouPour Yourself a Cup of Coffee, Sit Back and LearnLook for These Consumer Financial Protection Bureau Compliance Topics to beScheduled as Webinars Throughout 2013LEADERSHIPCFPBCOMPLIANCE• Expanding HMDA Reporting Requirements• Fees, Disclosures…Prepaid Card Changes and the Effect on Your Credit Union• Appraisals and the Effects of the Implementation of Dodd-Frank• CFPB High Cost Mortgage Loan Requirements• The CFPB’s MLO Compensation Rule: Impacts on Lending Practices...Beyond HR• Servicing Your Member’s Mortgages - JUST CHANGED!• Mortgage Disclosure Integration• You Thought Credit Card Regulations Couldn’t Change Further:The CFPB and Fees• Defining Larger Participants in Consumer FinancialProduct and Service Markets• The CFPB’s Civil Investigative Demand• Impact of CFPB on Overdraft Programs• Escrow Accounts and New Requirements Based on CFPB Rules• Have Your Members Exhibited the Ability to Repay?• Disclosure Rules for Remittance Transactions• New Requirements for Pay Day LendingThere’s No Reason toGo Round and Round Trying toUnderstand CFPB UpdatesYour Training Resource!CFPB Sessions Being Added — Watch at www.mcul.org 11

MCUL & Affiliates | 2013 Training CalendarThis icon indicatesan in-person event.Note: Dates, locations and pricing are subject to revisions.CEO/ManagementVolunteerRegulatory/ComplianceHR/TrainingLending/CollectionsMarketing/Sales/Business DevelopmentSupervisoryFrontlineJanuaryFebruary3 Interviewing SkillsAudio Session8 International Remittance RulesAudio Session15 10 Commandments of Outbound LendingAudio Session17 Transition to SupervisorAudio Session23 Robbery Prevention ChecklistAudio Session25CUES Economic SummitMarriot at Eagles Crest, Ypsilanti$129 per connection.$129 per connection.$129 per connection.$169 per connection.$129 per connection.29 Online & Mobile Banking: Successful Member Penetration TechniquesAudio Session$129 per connection.31 Identifying Loan OpportunitiesAudio Session5 Maximizing Mobile Lending TrendsAudio Session7 IRAsAudio Session12 Creating a SEG Development PlanAudio Session$129 per connection.$129 per connection.$169 per connection.$129 per connection.12-13Lending ConferenceAmway Grand Plaza Hotel | Grand Rapids $310 per person by January 25;$360 per person after this date.12-13Marketing ConferenceAmway Grand Plaza Hotel | Grand Rapids $310 per person by January 25;$360 per person after this date.14Compliance From A - ZAmway Grand Plaza Hotel | Grand Rapids $169 per person by January 25;$199 per person after this date.14 Reg CCAudio Session$169 per connection.20 CTRs/SARsAudio Session$129 per connection.26 Safe to Grow Again in 2013Audio Session$129 per connection.26 Bank Secrecy Act: Are You a ‘Hero’ or a ‘Pawn’Webinar$129 per Internet connection;$99 audio-only.28 Cloud Computing: Understanding What’s ComingAudio Session$129 per connection.24-28CUNA Governmental Affairs ConferenceWashington, D.C.12 Questions? Call (800) 262-6285“We have got to be of service. It is the only road to success.”– Edward A. Filene

MCUL & Affiliates | 2013 Training CalendarThis icon indicatesan in-person event.Note: Dates, locations and pricing are subject to revisions.CEO/ManagementVolunteerRegulatory/ComplianceHR/TrainingLending/CollectionsMarketing/Sales/Business DevelopmentSupervisoryFrontlineMarchApril5 Leading the Seven Dwarves: It’s Tougher Than it SeemsWebinar$169 per Internet connection;$129 audio-only.5 Kids Stuff: Minor AccountsAudio Session$129 per connection.7 Six Degrees of Kevin Bacon: Connecting With Members in Unique WaysAudio Session$129 per connection.12 Tips for Cross Selling to a Dressed ConsumerAudio Session$129 per connection.14 Effective Collections Without BruisesAudio Session$169 per connection.15-17Spring Leadership Development ConferenceSoaring Eagle Casino and Resort | Mt. Pleasant $399 per person for firstfour registrants; $350 per person for five or more.19 Regulatory Update IWebinar19 Employee Engagement, Rewards & RecognitionAudio Session21 Notary TrainingWebinar26 Short SalesAudio Session28 Share Member AccountsWebinar28 10 Steps to Increase Loan OpportunitiesAudio Session2 SAFE ActAudio Session2 Developing the ALLLWebinar$129 per Internet connection;$99 audio-only.$129 per connection.$129 per Internet connection;$99 audio-only.$129 per connection;$99 audio-only.$129 per Internet connection;$99 audio-only.$129 per connection.$129 per connection.$129 per Internet connection;$99 audio-only.4 Wire FraudAudio Session$129 per connection.9 Troubled Debt RestructuringAudio Session$129 per connection.9-10MCUL & Affiliates Governmental Affairs ConferenceRadisson Hotel | Lansing $149 per person for assets over $35 million;$99 per person for assets of $35 million or less.16 Health Reform for EmployersWebinar$169 per Internet connection;$129 audio-only.23 Top 10 Potentially Profitable Products of 2013Webinar$169 per Internet connection;$129 audio-only.There is Always a Great Training Line-Up at www.mcul.org 13

MCUL & Affiliates | 2013 Training CalendarThis icon indicatesan in-person event.Note: Dates, locations and pricing are subject to revisions.CEO/ManagementVolunteerRegulatory/ComplianceHR/TrainingLending/CollectionsMarketing/Sales/Business DevelopmentSupervisoryFrontlineApril30 ALM Interest Rate Risk UpdateAudio Session30 Business AccountsWebinar$129 per connection.$129 per Internet connection;$99 audio-only.MayJune2 Upper Peninsula Collector’s Training SchoolHoliday Inn | Marquette $169 per person by April 22;$199 per person after this date.2 Proven Gen Y Strategies for SuccessAudio Session$129 per connection.7 Handling ObjectionsAudio Session$129 per connection.8 Collector’s Training SchoolThe Inn at St. John’s | Plymouth $169 per person by April 24;$199 per person after this date.9 BankruptcyAudio Session$169 per connection.14 Unclaimed Property Audit PreparednessAudio Session$129 per connection.16 Life Style LendingAudio Session$129 per connection.16-18MCUL & Affiliates Annual Convention and ExpositionMarriott at the Renaissance Center | Detroit $339 per person for firstfive registrants; $284 per person for six or more.21 Trust ServicesAudio Session$129 per connection.23 Social Media & EmploymentAudio Session$129 per connection.28 Consumer Due Diligence: FinCEN’S New RuleWebinar$129 per Internet connection;$99 audio-only.4 Time ManagementAudio Session$129 per connection.6 Upper Peninsula Compliance From A-ZHoliday Inn | Marquette $169 per person by May 24;$199 per person after this date.6 Reg EAudio Session$129 per connection.11 Social Engineering = Identity TheftWebinar11 Collateral Recovery: BasicAudio Session13 There’s an App for That: Digital DeliveryAudio Session$169 per Internet connection;$129 audio-only.$129 per connection.$129 per connection.14 Questions? Call (800) 262-6285“Education is our task. We have our work cut out for us.”– Claude R. Orchard

MCUL & Affiliates | 2013 Training CalendarThis icon indicatesan in-person event.Note: Dates, locations and pricing are subject to revisions.CEO/ManagementVolunteerRegulatory/ComplianceHR/TrainingLending/CollectionsMarketing/Sales/Business DevelopmentSupervisoryFrontlineJuneJulyAugust18 Excelling With E-Commerce: Electronic MarketingWebinar$169 per Internet connection;$129 audio-only.19 RESPAAudio Session20 Representative AccountsWebinar$129 per connection.$129 per Internet connection;$99 audio-only.25 Teller Boot Camp (Part I)Audio Session$169 per connection.27 Handling Suspect International ACH Transactions (IATs)Audio Session$129 per connection.30CUNA America’s Credit Union ConferenceNew York City9 Teller Boot Camp (Part II)Audio Session$169 per connection.11 Open Mouth Insert FootAudio Session$129 per connection.16 Why Members Sue Credit Unions and WinWebinar$169 per Internet connection;$129 audio-only.16 Credit Union Relationship LendingAudio Session$129 per connection.18 Collateral Recovery: AdvancedAudio Session$129 per connection.23 Marketing and Advertising ComplianceWebinar$129 per Internet connection;$99 audio-only.24 Reg ZAudio Session$129 per connection.25 Bank Secrecy Act: Are You a ‘Hero’ or a ‘Pawn’ (Repeated Session)Webinar$129 per Internet connection;$99 audio-only.30 Finding Your Edge in a Crowded MarketAudio Session$129 per connection.8 Understanding EndorsementsAudio Session$129 per connection.13 ABC 123 Easy Planning Marketing PlanAudio Session$129 per connection.15 Sales and Service: Key Points to Get StartedAudio Session$129 per connection.20 Dealing With Employee Leave of Absences, Medical or OtherwiseAudio Session$129 per connection.27 Turning Around Member ComplaintsAudio Session$129 per connection.29 How to Improve Website Regulatory ComplianceAudio Session$129 per connection.Invest in Professional Development by Starting at www.mcul.org 15

MCUL & Affiliates | 2013 Training CalendarThis icon indicatesan in-person event.Note: Dates, locations and pricing are subject to revisions.CEO/ManagementVolunteerRegulatory/ComplianceHR/TrainingLending/CollectionsMarketing/Sales/Business DevelopmentSupervisoryFrontlineSeptemberOctober5 Non-Interest Income: Keep the Engine Running!Webinar$169 per Internet connection;$129 audio-only.5 Blowing the Doors off Business DevelopmentAudio Session$129 per connection.10 The Art of Skip TracingAudio Session$129 per connection.12 Responding to Subpoenas, Garnishments & LeviesAudio Session$129 per connection.13-15 13-15 Fall Leadership Development ConferenceGrand Traverse Resort & Spa | Traverse City $399 per person for first fourregistrants; $350 per person for five or more.17 Servicemembers Civil Relief ActWebinar$129 per Internet connection;$99 audio-only. option.18 HMDA: Reg CAudio Session$169 per connection.18-20Executive SummitThe Inn at Bay Harbor | Bay Harbor$299 per person.24 Compliance Best PracticesAudio Session$129 per connection.24-25IRA Training: Essentials and Beyond EssentialsBavarian Inn Lodge | Frankenmuth$199 per person, per day.26 Human Resources Forms, Personnel Files & Record RetentionAudio Session$129 per connection.1 Making the NCUA Exam a Positive ProcessAudio Session$129 per connection.1 Let’s Find Ways to Make Loans: Not Turn Them DownWebinar$169 per Internet connection;$129 audio-only.1-2 HR, Trainer and Supervisor InstituteSoaring Eagle Casino and Resort | Mt. Pleasant $310 per person by September 20;$360 per person after this date.3 Best Practices in Used Car LendingAudio Session$129 per connection.8 Employee Fraud & DishonestyAudio Session$129 per connection.10 Share of Wallet: Are You Maximizing Your Existing Membership?Audio Session$129 per connection.10 Innovations in LendingWebinar$169 per Internet connection;$129 audio-only.10-11CUES CUEmergeMGM Grand, Detroit16 Risk Based Lending: Best Practices in Challenging TimesAudio Session$129 per connection.16 Questions? Call (800) 262-6285“I have said that the credit union is an educator – I mean just that.”– Alphonse Desjardins

MCUL & Affiliates | 2013 Training CalendarThis icon indicatesan in-person event.Note: Dates, locations and pricing are subject to revisions.CEO/ManagementVolunteerRegulatory/ComplianceHR/TrainingLending/CollectionsMarketing/Sales/Business DevelopmentSupervisoryFrontlineOctoberNovemberDecember17 International Credit Union Day22Memory MagicMichigan First Credit Union | Lathrup Village$99 per person;morning or afternoon session.22 Notary PublicAudio Session$129 per connection.24 Business Continuity Regs & Exam ExpectationsAudio Session$129 per connection.29 Regulatory Update IIWebinar$129 per Internet connection;$99 audio-only.29 Advertising Regs for LendingAudio Session$129 per connection.31 20 Things Your Credit Union Should Do but Doesn’tAudio Session$129 per connection.5 Get More from Your StaffAudio Session7 Telephone Collections SchoolSomerset Inn | Troy$129 per connection.$169 per person.7 Generating Revenue While Having Members Value Your BrandAudio Session$129 per connection.12 Don’t Get Sued: Uniform Commercial CodeWebinar$129 per Internet connection;$99 audio-only.14 Account AdministrationAudio Session$169 per connection.19 Preventing Chargebacks & LossesAudio Session$129 per connection.21 10 Steps to Building & Maintaining a Successful Compliance ProgramAudio Session$129 per connection.26 Transforming Call Centers Into Contact CentersAudio Session$129 per connection.3 FACT ACTAudio Session5 Media MattersAudio Session17 Identity TheftAudio Session19 Opening LLC AccountsAudio Session30 Allowance for Loan LossAudio Session$129 per connection.$129 per connection.$129 per connection.$129 per connection.$129 per connection.Be Smitten by the Mitten With Michigan Training at www.mcul.org 17

Join the Conversation and Continue to Learn!MCUL & Affiliates makes it easier than ever to stay informed about upcomingeducational opportunities, to provide us feedback and suggestions about training topicsand to network with your peers.Exchange ideas with other conference goers before and after events and interact withspeakers through LinkedIn groups (accessible through our Facebook page). Plus, be sureto follow us on Twitter for special announcements and look for event-specific hashtags.CreditUnionEducationMCULeventsCUNA CPDLEADERSHIPCUNACUNA Center for Professional Development (CPD) helps credit union staff and volunteers learnto do their jobs better. CPD Online is a web-based training service that combines the ease of on-demand,self-study training with expertly designed courses. Discover the training resources available online athttp://training.cuna.org and look for details at www.cuna.org for these events and more.• February 24-28 CUNA Governmental Affairs Conference - Washington, DC• June 30-July 3 America’s Credit Union Conference - New York City, New York• October 23-26 CUNA Community Credit Union & Growth Conference - Denver, ColoradoSpecial Thanksto These AnnualEvent SponsorsMichigan Credit Union FoundationThe Michigan Credit Union Foundation (MCUF) utilizes donations from credit unionsand credit union business partners to provide funds and support to credit unions foreducational, leadership development, community outreach and financial educationactivities that benefit credit unions and their members.Get Involved and be Engaged With the MCUF!Education: Scholarships and educational events for credit union staffand volunteers.Social Mission: Grants for credit union financial education and communityoutreach activities.Support: Please support the MCUF with an annual donation.Visit www.mcuf.mcul.org to make a donation and explore ways the MCUF can assist yourcredit union and community.18 Questions? Call (800) 262-6285“If a man is in a deep hole, should we not lower a rope to him,so he can work his way up? – Alphonse Desjardins

Where do Credit Union Directors Find Compliance Training?Superb Professional Development Get-Away OpportunitiesSpring Leadership Development ConferenceFall Leadership Development ConferenceMarch 15-17 | September 13-15 |Soaring Eagle Casino and Resort, Mt. PleasantGrand Traverse Resort & Spa, Traverse CityLEADERSHIPTwo outstanding conferences for volunteers and CEOs provide timely information on:• Financial Literacy Training for Board Members• Bank Secrecy Act for Board Members• Supervisory Committee SessionsVOLUNTEERSCUNA VAPConvenient Resources for Board Meetings or Self-StudyWebinars on Demand can be downloaded to DVD, computers or flash driveand shared:• Bank Secrecy Act for Volunteers• Financial Literacy for Board MembersJust $129 per session!COMPLIANCEVolunteer Achievement Program ModulesAlso Address Financial LiteracyVisit www.cuna.org to learn more about self-study training options topromote board development:• Financial Reports for Volunteers V02• Managing Risk for Volunteers V03• Financial Management V409• Asset-Liability Management for Directors V415• The Basics of Risk Assessment for Volunteers V305• Understanding Audit Reports V428Volunteers Find the Training They Need at www.mcul.org 19

P.O. Box 8054Plymouth, MI 48170www.mcul.orgPhone: (800) 262-6285, ext. 225Email: educate@mcul.orgGreat Training forEveryone at Your Credit UnionSave on Important Compliance TrainingParticipate in Three Compliance Webinars,Receive 50% Off a Fourth Compliance WebinarLEADERSHIPCFPBCOMPLIANCEMCUL & Affiliates understands the need for providing reliable, ongoing compliance information and hasdiscounted all of the 2013 Webinars to just $129 each, per connection, which includes a complimentaryWebinar on Demand recording. An optional audio-only rate of $99 per phone connection makes theseinformational sessions even more affordable.Choose to receive a “Certificate of Participation” to keep on file for examiners or as a tool to track staffprofessional development. Plus when your credit union registers for any three compliance Webinars, thefourth will be discounted 50% off. Make MCUL & Affiliates your resource for important compliance training.• Ideal for Learning Libraries…Just Save to DVD, Computer or Flash Drive• Select Topics Perfect for Use as Training at Staff or Board Meetings• A Real Value for Training Multiple Staff Members in Different LocationsPlan Ahead for These Compliance WebinarsFebruary 26March 19March 21March 28April 2April 30May 28June 20July 23July 25September 17October 29November 12Bank Secrecy Act: Are You a ‘Hero’ or a ‘Pawn’Reg Update INotary TrainingShare Member AccountsDeveloping the ALLLBusiness AccountsConsumer Due Diligence: FinCEN’s New RuleRepresentative AccountsMarketing and Advertising ComplianceBank Secrecy Act: Are You a ‘Hero’ or a ‘Pawn’ (Repeated Session)Servicemembers Civil Relief ActReg Update IIDon’t Get Sued - Uniform Commercial CodePlus, all of the Consumer Financial Protection Bureau Sessions Listed on Page 11