Dec Communicator by alicejenny


									      The Communicator
      The Communicator
        Vol. 9 No. 11                                                                                                        December, 2005

Adopt-An-Angel campaign kickoff celebrates local heroes
M   Make-A-Wish child ambassadors who have
been granted various wishes were joined by fam-
ily members, credit union representatives, and
Make-A-Wish volunteers as they presented deco-
                                                       the kick-off celebration of the Adopt-An-Angel
                                                       campaign on November 16. The first angels
                                                       are given to firefighters by a Make-A-Wish child
                                                       to symbolize that both giver and receiver, in
rated paper angel cutouts to local firefighters for    their own way, are heroes facing life-threaten-
                                                                                 ing challenges every day.
                                                                                 The angels feature the
                                                                                 story of a New Hamp-
                                                                                 shire child who faces a
                                                                                 life-threatening medical
                                                                                 condition and the cer-
                                                                                 tain wish he or she was
                                                                                 granted as they cope
                                                                                 with medical treatments.
                                                                                          The following
                                                                                 children presented deco-
                                                                                 rated angels for the
                                                                                 firefighters in their        This was one of the many decorated angels made byWish
                                                                                 towns: Ashley (10), Ber-     child Erin and her sister that were presented to the
                                                                                 lin; Morgan (6), Keene;      Portsmouth Firemen during the kick-off celebration.
                                                                                 Zachary (8), Karena
                                                                                  Continued on Page 3.
Portsmouth: Wish child Erin (front right) is joined from left to right by Diana
Messier, Robin Noyes, and Raylene Keefer from Service Credit Union; Firemen                                      Inside . . .
Brett Nelson (back), John Goodwin (front), Christopher Chenoweth (back), Lt.
Michael Hogan (front), and Assistant Fire Chief Stephen Achilles (back); Cheryl                                  Hood, Hyland sworn in as
Nichols and Ginny Geraci, Northeast Credit Union.                                                                NCUA Board members
                                                       that credit unions do for people in communities
                           President’s                 throughout the state.
                                                                                                                 A letter of thanks. . .
                           Message                         From the generous statewide support for the
                                                       Make-A-Wish Foundation of New Hampshire                   MEMBERS® Auto &
                           By Daniel F. Egan, Jr.      to local efforts to support food pantries, boys           Homeowners Insurance
                                                       and girls clubs, and local charities, credit unions

A  As the end of the year approaches, it is a
good time to reflect on the many benefits we
derive from being part of the credit union
community. It is a privilege to work in a business
                                                       exhibit the true spirit of caring for those in need.
                                                       On the national level this year’s Hurricane
                                                       Katrina relief effort through the National Credit
                                                       Union Foundation proved the compassion and
                                                       caring that credit union people exhibit in times
                                                                                                                 Lending insights

                                                                                                                 . . . and more!

that has as one of its founding principles the         of need.                                                               New Hampshire
goal to make people’s lives better. Throughout
                                                                                                                              Credit Union League
the year, and particularly now, we see the good        Continued on Page 6.
                                               Legislative & Regulatory Notes

Hood, Hyland sworn in as NCUA Board members
O   On November 7, the Senate approved the
nominations of Rodney E. Hood and Christiane
Gigi Hyland to the National Credit Union
Administration (NCUA) Board. Hood and
                                                   confirmation on September 30. She is slated to
                                                   fill the board seat vacated by Debbie Matz in
                                                        “I would like to express
                                                                                                     preserve the financial integrity, safety, soundness
                                                                                                     and vitality of federally insured credit unions
                                                                                                     in an ever-changing environment. I am deeply
                                                                                                                     honored to be asked to enter into
Hyland can take their places alongside NCUA        deep appreciation to President                                    public service and I will strive to
Chairman JoAnn Johnson to complete the             Bush for nominating me to this                                    be a fair and thoughtful
three-person board in time for the November        position and to the United                                        regulator.”
29 board meeting.                                  States Senate for this vote of                                       Hyland was senior vice
    The Senate Banking Committee conducted         confidence,” Hood stated. “I                                      president, general counsel for
a nomination hearing for the two candidates        look forward to working with                                      Empire Corporate Federal
October 25, and voted its approval of their        Chairman Johnson and                                              Credit Union in Albany, N.Y.
nominations on November 3. With full Senate        colleague Gigi Hyland to                                          She previously was executive
approval coming just four days later, the rapid    ensure the safety and                                             director for the Association of
chain of events could belie the long wait that     soundness of the nation’s                                         Corporate Credit Unions.
preceded the Senate’s action.                      federally insured credit unions.                                  Hyland received her bachelor’s
    On the confirmation of Hood and Hyland,        I am pleased to be in a position                                  degree from the College of
NCUA Chairman JoAnn Johnson said, “The             where I can continue to serve Hyland                              William and Mary and her law
confidence the President and the United States     my country by regulating the                                      degree from George Mason
Senate have in Rodney Hood                                          not-for-profit financial         University.
and Gigi Hyland is strongly                                         cooperatives that give                The terms that Hood and Hyland are set to
shared here at NCUA. I                                              hardworking people access to     fill would expire in 2009 and 2011 respectively.
appreciate President Bush’s                                         capital, credit, and the
selection of these two                                              American Dream.”
outstanding individuals to join                                       Hood most recently served as
the NCUA Board. The                                                 associate administrator of the
extensive experience that                                           Rural Housing Service at the
Rodney Hood will bring to the                                       U.S. Department of Agriculture
agency as it relates to financial                                   (USDA), a position to which
services and his experience in                                      Bush appointed him in
working to make an ownership                                        September 2004.            He
society a reality for millions of                                   previously served as marketing
Americans will be a tremendous                                      director and group sales            The Communicator
                                    Hood                                                                is a monthly publication of the
asset to the NCUA and America’s                                     manager for the North Carolina
credit unions. Having the Board at full            Mutual Life Insurance Company in Durham,             New Hampshire Credit Union League
                                                                                                        P.O. Box 1695
complement with someone of Gigi Hyland’s           N.C. His prior experience includes work with
                                                                                                        Manchester, NH 03105-1695
professional background in credit union            emerging markets at Wells Fargo and                  (800) 842-1242
regulation and operations will be invaluable as    community development programs at Bank of            Fax (508) 481-3586
we focus on the safety and soundness of the        America.                                   
nation’s credit unions. I look forward to a good        Hyland commented on her confirmation,
working relationship with them as we maintain      “I want to extend my sincere thanks and              Chairman of the Board
a safe and sound regulatory environment and        appreciation to President Bush for nominating        Ronald J. Rioux
empower credit unions to serve Americans from      me to this position and to the United States         St. Mary’s Bank Credit Union
all walks of life.”                                Senate for this vote of support. In addition, I
    Hood was nominated to the NCUA Board           want to thank Senate Minority Leader Harry
                                                                                                        Daniel F. Egan, Jr.
on May 10 to fill a vacancy created when           Reid for recommending my nomination. I look
Dennis Dollar left his position more than a year   forward to working with my new colleagues,           Editors:
ago. Hyland’s name was sent to the Senate for      Chairman Johnson and Rodney E. Hood, to              Marguerite A. Thorsen
                                                                                                        Donna M. Bevilacqua

Adopt-An-Angel...celebrates local heroes                                                                      - Continued from Page 1.

(15), and Hannah (7), Manchester; brothers                                                                                      Berlin: From left to right: Sis
Sam (7) and Ben (9), Nashua; Erin (6), Ports-                                                                                   Labonte, Woodlands Credit Union;
mouth; and Rylee (3), Rochester.                                                                                                Jerry Dumoulin, Guardian Angel
    The event was covered by the media across                                                                                   Credit Union; Berlin Fire Captain
                                                                                                                                Richard Lapointe; wish child Ashley;
the state and was featured on the evening news
                                                                                                                                and Timothy Collia, Woodlands
of WMUR-TV 9; also, in the Foster’s Daily                                                                                       Credit Union.
Democrat (Dover and Portsmouth editions);
Portsmouth Herald, Berlin Daily Sun. (At press
time current listing of media coverage.) Social Re-
sponsibility Committee Chairman Michael
L’Ecuyer, Bellwether Community Credit Union,
also conducted a radio interview which aired on

Rochester: Front row from left to right: Firefighter Don McCullough, wish
child Rylee, her sister Kaylie; and Lynne Marcotte and Rose O’Hare, North-     Nashua: Nashua firefighters and Mayor Bernie Streeter (far left) were presented with
east Credit Union. Back row from left to right: Firefighters Missy Ayers and   special decorated angels from wish brothers Sam and Ben (front) along with credit
Mike George, Nancy and Lorrie (Rylee and Kaylie’s grandmother and mom),        union representatives from the Nashua area as part of the Adopt-An-Angel kick-off
wish granter Tammy Trepanier, Make-A-Wish; Captain Mark Avery; Dan             celebration.
Clarke, Salmon Falls Community Credit Union; and Danielle Lyczak, Holy
Rosary Credit Union. Also represented was Service Credit Union.

Keene: Lynda Faulkner (left) and Linda Price (right) from Cheshire                 Manchester: Wish children Karena (in front of Sparky the firehouse dog); Hannah
County Federal Credit Union are pictured with wish child Morgan                    (front wearing Monarchs shirt); and Zachary (behind Hannah) along with
and her mom Lisa. Credit union representatives from NGM Em-                        Make-A-Wish Chairman Robert Nadeau, MembersFirst Credit Union of N.H.
ployees Federal Credit Union, Service Credit Union, and Timken                     (far left) helped credit union volunteers from the Manchester area present the
Super Precision Credit Union also attended the event.                              firefighters with special decorated angels.

                       Social Responsibility

Service Credit Union’s contribution to NH families
affected by flooding commended by Governor Lynch
G   Gordon Simmons, president/CEO of Ser-
vice Credit Union, presented a $125,000 con-
tribution from the credit union to the Salvation
Army to help provide emergency assistance for
                                                   the families affected by severe flooding in south-
                                                   western New Hampshire.
                                                      The check was presented at the State House
                                                   in Concord. Governor Lynch led the event by
                                                                                                        ensure that they obtain the necessities they re-
                                                                                                        quire so that they may recover from this disaster
                                                                                                        as quickly as possible,” said Gordon Simmons.
                                                                                                            “Our philosophy is that of ‘people helping
                                                                                 acknowledging          people’ and while we practice that every day in
                                                                                 both the good work     dealing with our members’ financial needs, it
                                                                                 of the Salvation       does not stop there,” continues Simmons. “We
                                                                                 Army and com-          are genuinely concerned for the welfare of all
                                                                                 mending Service        New Hampshire citizens. We want to be there
                                                                                 Credit Union on        for them when they need us. The Salvation
                                                                                 their donation to      Army has guaranteed that our entire contribu-
                                                                                 directly help the      tion will be used to directly meet the needs of
                                                                                 impacted commu-        those in the flood-stricken areas of our state. I
                                                                                 nities.                encourage the corporations of New Hampshire
                                                                                   “It is everyone’s    and fellow citizens not affected by this disaster
                                                                                 responsibility in      to make generous contributions to the New
                                                                                 our state to come to   Hampshire Salvation Army.”
                                                                                 the aid of New             “I applaud Service Credit Union, and citi-
                                                                                 Hampshire com-         zens and businesses across our state, for their
                                                                                 munities when di-      generosity in helping our fellow citizens recover
                                                                                 saster strikes. Ser-   from the recent floods. This is the worst natural
Pictured left to right: Gordon Simmons, president/CEO, Service Credit Union; vice Credit Union          disaster in New Hampshire in most of our
Captain Travis DeLong, Keene Salvation Army; Captain Wendy Kountz, Concord is proud to help our         memories. The lives of some of our fellow citi-
Salvation Army; and NH Governor John Lynch.                                      fellow citizens to     zens have been devastated,” Governor Lynch
                                                                                                        said. “I know all of us in New Hampshire are
                                                                                                        committed to helping them recover.”
St. Mary’s Bank Credit Union                                                                                “The $125,000 contribution from Service
                                                                                                        Credit Union is the largest single donation I
collected donations for                                                                                 have ever received,” said Captain Flanders, ex-
                                                                                                        ecutive director of the Portsmouth Salvation
                                                                                                        Army office. “It is extremely generous and is
NH troops Calling Card Program                                                                          very heartwarming when people see a situation
                                                                                                        and proactively step up, such as Service Credit

S   St. Mary’s Bank Credit Union accepted do-
nations in $10 increments to purchase 15-
minute phone cards for New Hampshire ser-
vice men and women who are deployed over-
                                                    12th, the day after Veteran’s Day. “We selected
                                                    Veteran’s Day as an appropriate time to pur-
                                                    chase the calling cards as a small way to thank
                                                    our troops for their service to our country, and
                                                                                                        Union has done.”
                                                                                                            “100% of this contribution will immediately
                                                                                                        be put towards critical needs within the com-
                                                                                                        munities impacted, such as food, clothing, and
seas. The actual time on the phone card will        to show them that we care about them, their         furniture,” said Captain Flanders. The check
vary depending on the country the call is origi-    families, and the communties in which they          was accepted on behalf of the Salvation Army
nated from. The cards provide a valuable mecha-     live,” said Ronald Rioux, president/CEO of St.      by Captain Travis DeLong, who has been work-
nism for soldiers to call home and stay in touch    Mary’s Bank Credit Union.                           ing directly with the impacted communities in
with their loved ones.                                  The calling cards were purchased through        the Keene area, and Captain Wendy Kountz
    St. Mary’s Bank Credit Union purchased the      Operation Uplink, a service provided by Veter-      from Concord, who has also been directly in-
first batch of calling cards with funds collected   ans of Foreign Wars. Calling cards were distrib-    volved in the community support efforts.
through close of business Saturday, November        uted to soldiers anonymously.

A letter of thanks . . . by Hannah’s mom                                                                   Volunteers needed
A  As the Social Responsibility Committee
kicks-off the Adopt-An-Angel fundraising
program for the Make-A-Wish Foundation of
                                                      that once was in her eyes, and the smiles seemed
                                                      to be fewer and fewer the harder she had to
                                                      fight. I wanted so badly to bring her smiles
                                                      back, but I didn’t know how.
                                                                                                           to help people pre-
                                                                                                           pare tax returns
New Hampshire, the Committee would like to

                                                          “Then the day came, the day that our family
share another thank you letter from wish families     was visited by The Make-A-Wish Foundation                Do you like to help people? Do you have a
                                                      of New Hampshire. It was a magical day. It           desire to help those in need? Then VITA (Vol-
with the credit union community. The
                                                      was the day I saw the sparkle return to Hannah’s     unteer Income Tax Assistance) may be just what
Communicator continues to feature these letters       eyes and I felt tears of happiness in my own         you are looking for. The Manchester Volunteer
as a reminder to everyone of the wishes and           eyes. Hannah’s wishgranters asked her if she         Income Tax Assistance Program is a collabora-
dreams that the New Hampshire credit unions           could have, do, see, or be anything what would       tion between the Internal Revenue Service (IRS)
                                                      she wish for. She replied, ‘I want to meet Mickey    and various agencies involved in the Greater
have helped make come true...Thank you!
                                                      Mouse at his house.’ The look on Hannah’s            Manchester Asset Building Coalition. The
                                                      face was truly priceless. She was so excited. Big    VITA program provides free tax return prepa-
    “My name is Jodie. I am the mother of two                                                              ration and e-filing for low-income households
                                                      sister Megan also shared in all the excitement.
beautiful little girls. My youngest daughter                                                               in the greater Manchester community.
                                                                             She truly deserved it too.
Hannah was diag-                                                                                               “VITA volunteers explain many special tax
                                                                             For one week we were able
nosed with stage                                                                                           credits and deductions and how people may
                                                                             to feel like a ‘normal
four neuroblastoma                                                                                         claim them on their tax returns,” Cathleen
                                                                             family.’ No doctors, or
at the age of 13                                                                                           Flynn, IRS Tax Specialist said. “These volun-
                                                                             hospitals, just fun! The
months old. It is a                                                                                        teers help individuals complete their returns,
                                                                             Make-A-Wish Founda-
day I will never                                                                                           right down to any refund that may be due them.
                                                                             tion made it the trip of a
forget. This was the                                                                                       Anyone can volunteer. If you have a skill and
                                                                             lifetime. All we had to do
day that completely                                                                                        want to help, we can find a way to involve you
                                                                             was go and have fun. It
changed my family’s                                                                                        in this program.”
                                                                             was truly wonderful to see
life forever.                                                                                                  The IRS provides free tax law training, elec-
                                                                             my little girls play and
    “For the first time                                                                                    tronic filing software training and all the mate-
                                                                             enjoy each other, full of
in my life I felt                                                                                          rials needed to prepare basic individual income
completely helpless                                                                                        tax returns. Volunteers are asked to volunteer
                                                                                 I don’t know what the
and powerless. As a                                                                                        an average of two to four hours per week from
                                                                             future holds, but I do
mother, I wanted to                                                                                        February through April 15.
                                                                             know that ‘Make-A-Wish’
give Hannah a kiss or a magic band-aid that                                                                    In addition to volunteers, the IRS is seeking
                                                      has created memories that will last forever.
would make her boo-boo go way, but there                                                                   interested organizations to partner with and host
                                                      Thank you for making Hannah’s dream come
was nothing I could do. We started on a journey                                                            VITA sites.
                                                      true! Please believe me when I tell you that the
with so many unknowns. As each day passed,                                                                     For more information, contact the Manches-
                                                      power of a wish is a very powerful thing.”
I felt like Hannah lost a little bit of the sparkle                                                        ter Community Resource Center at 647-8967.

MembersFirst Credit Union of NH CEO elected chairman
of Make-A-Wish Foundation of New Hampshire
P  President/CEO of MembersFirst Credit
Union of NH, Robert Nadeau, was elected as
Make-A-Wish Foundation of New Hampshire’s
President/Chairman of the Board at their an-
nual Meeting.
                                                      supporter of the Make-A-Wish Foundation of
                                                      New Hampshire through the New Hampshire
                                                      Credit Union League, who has been the largest
                                                      donor for the Foundation for several years. The
                                                      Make-A-Wish Foundation recently granted its
                                                                                                           currently serves on
                                                                                                           the State & Federal
                                                                                                           Legislative Activities
                                                                                                           and Community
                                                                                                           Outreach Commit-
   Bob Nadeau started his service with the            500th wish.                                          tees. He is also the
Foundation as a volunteer, and then went on to            Bob has been the president/CEO of Mem-           Treasurer of the
the more extensive training to become a               bers First Credit Union of NH for 16 years and       C U L A C /
wishgranter. As a wishgranter, Bob has worked         started 24 years ago as a part-time teller. He was   NHCULPAC for the
with other community volunteers to bring the          a member of the New Hampshire Credit Union           League.
wishes to life. Nadeau has been a long time           League’s Board of Directors for three years and

                            Agency Update

MEMBERS® Auto & Homeowners Insurance
C   Credit unions can build stronger bonds with
members — while adding non-interest income
to the bottom line. MEMBERS® Auto and
Homeowners Insurance provides affordable,
reliable protection that members really need.
                                                     structural and personal property claims can be
                                                     settled immediately.
                                                     Coverage also can be written for:
                                                     • Motorcycles
                                                     • Boats and motors
                                                                                                           Bring value-added benefits to members and
                                                                                                           the credit union
                                                                                                              MEMBERS® Auto and Homeowners
                                                                                                           coverage helps make the credit union a one-
                                                                                                           stop financial and insurance center — the kind
CUNA Mutual Group (CMG) has been                     • Motor homes                                         of convenience members are looking for in a
meeting the insurance needs of credit union          • Recreational vehicles                               primary financial institution.
members for more than 65 years. In order to          • Single family homes                                    To learn more, contact your Account
provide quality personal property insurance at       • Condominiums                                        Relationship Manager today at 1-800-333-
competitive rates, CMG has teamed up with            • Tenants (renters)                                   2644.
Liberty Mutual, the eighth largest auto and
homeowners insurer in the country.
Easy access
    Members can use a toll-free number to
                                                     Members Insurance Agency announces
connect with a Direct Response Center for free
insurance quotes and expert advice on coverage,
                                                     MemberClose Users Group meeting
rate discounts and benefits. More than 1,200
                                                         Members Insurance Agency is pleased to            weeks with the added benefit of saving on the
Liberty Mutual field agents are located
                                                     announce that the 2nd annual Users Group              cost of processing these loans. MemberClose
throughout the country to provide professional
                                                     meeting for MemberClose will be held on               provides an important advantage for credit
assistance to members. With a few clicks, any
                                                     Tuesday, December 13th at the Radisson Hotel          unions participating in the very competitive
time of day or night, members can request auto
                                                     in Milford, MA. Representatives from most of          equity lending market.
insurance quotes online through CMG’s
                                                     the companies affiliated as service providers            If you would like more information about
MEMBERS® Financial Network. They can
                                                     through MemberClose will be in attendance. We         MemberClose, including a demonstration of our
find out their own auto safety score or take an
                                                     will also look at a host of new services, including   website, please contact Bob Delaney
auto safety quiz. Also, they can manage their
                                                     those designed for first mortgage lending.            ( at 1-888-746-2476.
policies online, such as:
                                                         MemberClose is a web-based program that is           If you are not a current MemberClose
• Requesting changes to auto, home or renters
                                                     designed to streamline the home equity lending        participant, but would like to attend the Users
                                                     process. Today, there are 68 credit unions in         Group meeting, contact Daunielle McNeil
• Purchasing new policies
                                                     New Hampshire, Massachusetts, and Rhode               ( at Members Insurance
• Reviewing and paying bills
                                                     Island that are relying on MemberClose to process     Agency at 1-888-746-2476. Space will be
• Filing claims
                                                     equity loans in a matter of minutes instead of        made available on a first-come, first-serve basis.
More than just insurance
    Excellent coverage is just the beginning.
MEMBERS ® Auto and Homeowners                        President’s Message - Continued from Page 1.
Insurance provides a wide range of outstanding
benefits and services that help credit unions            Credit unions’ commitment to the people           outreach goal established two years ago, by
stand out from the competition. Auto repairs         and communities they serve is not a seasonal          adding new and innovative outreach loan
are fully guaranteed, through a nationwide           effort but a year-round, long-term commitment.        programs including the HLPR and recruiting
network of repair shops, for as long as the          Working together through national programs            additional New Hampshire credit unions.
member owns the vehicle. A toll-free number          like the Homeowners Loan Payment Relief                  On the local, state, regional, and national
provides access to thousands of service facilities   (HLPR) program, credit unions across the              levels, credit unions continue to expand the
throughout the U.S. and Canada.                      country have made a commitment to provide             positive impact they have on members’ lives.
    If members need to report a claim, they will     mortgage loan relief to working class people so       In doing so, credit unions improve the lives of
have toll-free access to dependable claims           they can live in the communities they work in.        individuals and communities. We are thankful
professionals 24 hours a day, seven days a week,     The expectation is that there will be over $2         we can be a part of such a noble effort. Best
including holidays. Members can go to                billion committed on the national level. Locally      wishes to all of you at this time of year and
conveniently located drive-in appraisal centers      New Hampshire credit unions continue to               thank you for all you have done to promote the
or have claims specialists come to them. Many        work toward the $35 million community                 benefits of credit unions throughout the year.

Ways and Means Committee Chair Thomas
says no tax for credit unions
A   At the close of a lengthy hearing on the tax
exempt status of credit unions, House Ways
and Means Committee Chairman Bill Thomas
(R-California) said that he has no plans for
                                                       unions are fulfilling their mission and should
                                                       retain their tax status. The Chairman added
                                                       that he is interested in the National Credit Union
                                                       Administration (NCUA) requiring more
                                                                                                            while Thomas spoke plainly about having no
                                                                                                            plan to add a tax to credit unions, the Chairman
                                                                                                            was critical of the NCUA for not having a more
                                                                                                            precise definition of modest means. “He is very
legislation that would add federal income tax          transparency from credit unions, more                much in favor of a data collection and reporting
to credit unions, regardless of their size or the      documentation, and Community Reinvest-               mechanism, whether CRA or otherwise, to
diversity of their service offerings. His assertions   ment Act (CRA) data.                                 measure credit union service to these groups,
follow similar statements from the executive              Credit Union National Association (CUNA)          and he believes the movement should support
branch made by Treasury Secretary John Snow.           President/CEO Daniel Mica said the ball is in        this as a means of verifying that our tax-exempt
    He said he is concerned by the credit union        credit unions’ court now that Chairman               status continues to be deserved,” Mica advised
movement’s inability to document information           Thomas has put the congressional spotlight on        members.
that would support its arguments that credit           credit union accountability. Mica noted that

  Credit Union     Service Credit Union becomes
  Direct Lending   billion dollar credit union
  announces Dealer Service Credit Union reported that total as- Union has come to stand for, that is, excep-
  201 Workshop                                         S
                   sets surpassed the $1 billion mark as of Septem- tional product and service delivery. Our mem-
                   ber 30, 2005. The credit union also reported bers continue to spread the word throughout
                                                       that membership has grown to more than               the communities we serve, and we thank them

 C     Credit Union Direct Lending (CUDL)
   recently announced the Dealer 201
   Workshop, which will take place on
   Thursday, December 15, at the Radisson
   Hotel in Milford, MA. The topics at the
                                                          Service Credit Union opened its first branch
                                                       location in January 1957 on the then Pease Air
                                                       Force Base in Portsmouth. The credit union
                                                       now serves members in nine of the ten counties
                                                                                                            for their support,” said Gordon Simmons, presi-
                                                                                                            dent/CEO of Service Credit Union. “Our vol-
                                                                                                            unteer Board of Directors and other committee
                                                                                                            volunteers have also had a tremendous impact
                                                                                                            on shaping the credit union’s growth, and I am
   workshop will include “Staying                      in NH, four Massachusetts towns as well as all       truly grateful for all their efforts. The focus of
   Compliant,” “Lender Relations,” and                 Department of Defense civilian and military          our credit union’s staff has been that of commit-
   “What is a Great Job?”                              members and their families stationed around          ment and rendering exceptional member ser-
       The workshop will give credit union             the world. Service Credit Union maintains eight      vice.”
   staff the opportunity to work out some of           branch offices in NH; 1 in MA; and 13 in Ger-            “The single most significant factor in our
   their toughest challenges with Point-of-            many complimented by two Contact Centers             credit union’s growth is that while we may be a
   Sale/Indirect Lending with Mike Wilkins,            and supported by administrative offices in both      larger organization today, we have retained the
   president of F&I Coach, and a certified             the western and eastern hemispheres.                 same member-focused values that we adopted
   trainer. Credit union managers, business               Most of the credit union’s growth was             the day we opened nearly 50 years ago,” con-
   development personnel and loan officers             achieved during the past 10 years. During that       tinued Simmons.
   are encouraged to attend this informative           time, assets grew from $282 million to the cur-
   program.                                            rent level of $1,015,000,000 or a 260% in-
       Staff from non-CUDL credit unions               crease in just one decade. Growth was fueled
   are welcome if space is available.                  by both strong member loan and deposit de-
       This is a full day seminar. To register or      mand.                                                  HOLIDAYS
   for additional information, please contact             “Growth like we have experienced is only
   Peg Lancaster at 800-842-1242 ext. 311.             possible with the support of our loyal members,        The League office will be closed on Mon-
                                                       who continue to believe in what Service Credit         day, December 26, 2005 and Monday,
                                                                                                              January 2, 2006 in observance of the
                                                                                                              Christmas and New Year holidays. The
  Correction                                                                                                  League’s regular office hours are Monday
                                                                                                              through Friday 8:00 a.m. to 5:00 p.m. The
      In the November issue of The Communicator, the “In Memoriam” denoted the incorrect                      League Board of Directors and staff wish you
  spelling of Ed Hutchins’ name in the last paragraph. We regret any inconvenience this may have              all a safe and festive holiday season with your
  caused our readers.                                                                                         families.

                Janu ember
                                                   Calendar of Events

  Merrimack Valley Chapter                          MemberClose Users                                     Credit Union Direct Lending
  Make-A-Wish Holiday Auction                       Group Meeting                                         Dealer 201 Workshop
  December 5, 2005                                  December 13, 2005                                     December 15, 2005
  Manchester Country Club                           Radisson Hotel                                        Radisson Hotel
  Bedford, NH                                       Milford, MA                                           Milford, MA

  Credit Union Employee Boot Camp                   QUICKBITES
  December 7, 2005                                  (one hour telephone conferencing)
  Credit Union Center                               December 13 - Building Member Loyalty
  Marlborough, MA                                   in Low Asset Households

  Monadnock Chapter                                 Webcast Internet Session
  Holiday Party                                     December 14 - Top 10 Ingredients to
  December 7, 2005                                  Create a Sales & Service Culture
  Keene Country Club
  Keene, NH

                                                                                                          Fall Leadership
                                                    judgment. At least three years of related
                                                                                                          T   The League’s Fall Leadership Conference
                                                                                                          was a tremendous success. Over 250 credit
                                                                                                          union executives and volunteers from New
                                                                                                          Hampshire, Massachusetts, and Rhode Island
Marketing Officer                                                                                         attended the weekend workshop at the Cliff
    We are looking for a creative, energetic        experience is required, preferably in a retail        House Resort in Ogunquit, Maine.
individual to join a small in-housing marketing     financial institution. This position does not             The program began on Friday with a set of
team. Reporting to the VP/Marketing, the            have any supervisory requirements.                    pre-conference workshops on employee and
Marketing Officer will design, implement, and           Please send resume, samples of work, and salary   member education and insights from the 2006
measure marketing promotions; research and          history to: Bellwether Community Credit Union,        CUNA Environmental Scan. These incisive
write educational articles and sales copy; and      Attn: VP/Administration, 425 D.W. Highway,            programs provided insight to the information
develop and manage direct mail campaigns.           Manchester, NH 03104, Fax: (603) 645-8191,            resources that credit unions have available to
    Applicants should be strong writers and         E-mail:                                   them as they face the challenges of the future.
possess the ability to manage multiple projects         Bellwether Community Credit Union                     The featured general session speaker Peter
simultaneously. He or she should be proficient      (BCCU) is a progressive, technology-focused           Duffy, associate director of Sandler O’Neill and
with graphic design software, layout principles,    credit union with over 80 years of commitment         Partners, found himself addressing packed
and preparing files for print and the web. The      to “people helping people.” We offer an “above        rooms on both Friday and Saturday. He moved
ideal candidate will be knowledgeable about         average” benefits package including:                  the conference out of their comfort zone asking
retail financial products and be able to develop    competitive salary; 401k with employer                them to consider new…… and innovative ways
creative ways to promote and educate users          contribution and matching; health, life, dental,      to think about their credit unions and their
about those products. Candidates should also        and vision insurance; tuition reimbursement;          relationship to the marketplace. His remarks
have a demonstrated track record of initiative,     flexible spending account; onsite fitness facility;   on building market share and the necessity of
effective communications, and independent           employee assistance program; and a professional,      putting the credit union’s capital to work clearly
                                                    team-oriented atmosphere.                             resonated with the group.


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