LSCU eNews Weekly
March 8, 2010 LSCU eNews Weekly
LSCU eNews Weekly
In This Issue
Credit unions' net worth remains strong; shares expand, lending slows in 2009
Temporary Corporate Credit Union Share Guarantee Program extended
Bi-partisan group sends House leaders a message
Birmingham looking to help unbanked
LSCU President/CEO Patrick La Pine joins Credit Union House board
CDCI fact sheet available from the National Federation of CDCUs
Find a credit union - search engine available on LSCU Web site
LSCU's La Pine presents $6,000 check to Children's Miracle Network
LSCU AC&E News
AC&E guest event highlighted: Italian cooking lesson
Register for the AC&E online
Governmental Affairs News
First week recap of the Florida Legislature
Alabama Legislature update; Bingo bill dropped
Washington D.C. Update
Compliance Corner
League Infosight features Hot Topics for 2010
Infosight usage doubles in February in Alabama
Compliance calendar and training schedule
Cooperative Initiatives News
Save the date: Assets for Independence Workshop - Federal Funding for Individual Development Accounts
LSCU Education News
Register for IRA training workshops in Orlando and Birmingham
LSCU Leadership Council meetings are scheduled in Alabama and Florida
News from You
FAIRWINDS Credit Union announces two new board members
Alabama Telco Credit Union stresses alternatives to payday loans
Community First Credit Union of Florida names Controller
Credit Union Job Postings
Credit union employment opportunities posted online
Calendar
Schedule of events
In This Issue
spacer
eNews Links
Forward to a Friend
Print Version
Unsubscribe from
LSCU eNews
eNews Links
spacer
Credit unions' net worth remains strong; shares expand, lending slows in 2009

According to call report data released last week by the National Credit Union Administration (NCUA), credit unions finished 2009 with nearly 10-percent net worth. Membership in the nation’s 7,554 federally insured credit unions increased to nearly 90 million, and shares grew at a rate of 10.5 percent.

“Credit union membership growth is impressive and encouraging. The ‘flight to safety’ that landed new deposits at credit unions during the economic downturn continues, as evidenced by credit union share growth in several categories,” noted NCUA Chairman Debbie Matz. “However, these positive developments are tempered by recognition of ongoing market stresses. This reality reinforces NCUA’s decision to increase examination staff and augment regulatory oversight to monitor and assist credit unions faced with persistent, adverse economic conditions.”

Reflecting stress in the job market and a struggling economy, delinquent loans to total loans grew to 1.82 percent. Credit unions continued to build provisions for loan losses as the ratio of net charge-offs to average loans grew from 0.85 percent to 1.21 percent during the year.

Overall loan volume grew 1.1 percent. A majority of loan growth in 2009 was in used automobile, credit card and first mortgages. Net income returned to a positive $1.7 billion after a 2-year decline. This figure includes both National Credit Union Share Insurance Fund stabilization income and expense in 2009. Data also suggests that, by improving cost management, credit unions reduced operating expenses and the return on average assets grew 24 basis points compared to year-end 2008.

The LSCU will have state quarterly data profiles of Alabama and Florida credit unions this month.  Plus, member credit unions can receive a customized profile for their credit union, upon request.  Contact LSCU Vice President, Regulatory Affairs Bill Berg at 850.576.8171 ext. 1028 [ Return to Top ]

Temporary Corporate Credit Union Share Guarantee Program extended

The National Credit Union Administration (NCUA) extended the expiration date of its Temporary Corporate Credit Union Share Guarantee Program (TCCUSGP) from March 31, 2012, to June 30, 2012. With this extension, new investments with maturities of two years or less in participating corporate credit unions made before June 30, 2010, will be fully covered by the guarantee program. This is in addition to the existing deposits already covered.

You can read more by clicking here.  If any credit union has a question about the share insurance fund or TCCUSGP, contact LSCU Vice President, Regulatory Affairs Bill Berg at 850.576.8171 ext. 1028.   [ Return to Top ]

Bi-partisan group sends House leaders a message

Nancy Pelosi, Speaker of the House

A letter signed by 58 House members, including Rep. Corrine Brown (D-FL), was sent to House Speaker Nancy Pelosi (D-CA) and House Minority Leader John Boehner (R-OH) asking them to consider raising the member business lending cap. The letter asked House leaders to "do more to support America's small businesses by modifying the statutory limitations that have currently prevented many credit unions from doing more to advance the economic recovery." Specifically pointed out in the letter was legislation HR 3380 introduced by Rep. Paul Kanjorski (D-PA) and Ed Royce (R-CA) to raise the credit union member business lending cap from 12.25 percent to 25 percent and for "any future jobs-creation legislation that the House considers" to include MBL legislation.

John Boehner, House Minority Leader

The letter followed the aggressive Hill visits by more than 4,000 credit union officials at last week's CUNA GAC. During those visits, the LSCU delegation was able to get Rep. Gus Bilirakis (R-FL) and Rep. Alan Grayson (D-FL) to add their names as co-sponsors of Rep. Kanjorski's legislation. In total, 34 new co-sponsors were added to legislation during the GAC.



[ Return to Top ]

Birmingham looking to help unbanked

Three Alabama credit unions took part in the initial meeting for "Bank on Birmingham."

Tuesday morning, credit union officials, along with banks, the city of Birmingham, the Federal Reserve Bank of Atlanta and the FDIC, met to discuss ways to bring financial services to the more than 48,000 unbanked people in Birmingham, AL. To give greater perspective, Birmingham ranks 49th nationally when it comes to unbanked citizens. Aggregated out nearly half of all Alabama residents don't have a regular checking or savings account. Across the country nearly a third of all residents don't regularly use a financial institution.

"Bank on Birmingham" will be patterned after the bank-on model used in San Francisco, Houston and many other cities across the country. The model seeks to engage a city’s un- and under-banked population with the financial services industry by tailoring credit union and bank products to increase accessibility and relevancy. "Bank on Birmingham" will also seek to raise awareness among un- and under-banked consumers about the benefits of transactional account ownership, as well as provide accessible quality financial education in order to make account ownership the first step to financial security and asset building. Credit unions have largely led the way in other bank-on cities mainly because the under-banked are a segment of the population that is regularly served by credit unions. Plus, many credit unions already offer starter checking accounts and credit builder loans which could easily translate to a bank-on product.

Tuesday's meeting included Coca-Cola United FCU, America's First FCU and NRS Community Development FCU. The next step for "Bank on Birmingham" is to expand the steering committee. Neither Alabama nor Florida has a state wide initiative like the bank-on model.

If a credit union has questions about the program or would like to take part, contact LSCU Director, Credit Union Relations Adena Whitman at 800.846.8374, ext. 2134.

[ Return to Top ]

LSCU President/CEO Patrick La Pine joins Credit Union House board

  Credit Union House

During the CUNA GAC in February, the Credit Union House in Washington DC elected a new board of directors. LSCU President/CEO Patrick La Pine joins the board as a director.  

The new board members are:

John Dill (CU Assns. of Colorado & Wyoming), Chairman
Charles Elliott
( Mississippi CU Assn.), Vice Chairman
Richard Ensweiler
( Texas CU League), Treasurer
Brett Thompson
(Wisconsin CU League), Secretary
Patrick La Pine (League of Southeastern Credit Unions) Director

Credit Union house is based in Washington DC and is fully funded by the credit union community. Since 2001, Credit Union House has served as a "home away from home" for credit unions. You can learn more by clicking here.  

[ Return to Top ]

CDCI fact sheet available from the National Federation of CDCUs

A fact sheet outlining the Community Development Capital Initiative (CDCI) announced by Secretary of the Treasury Timothy Geithner, is available to credit unions. Click here to view the fact sheet. The fact sheet covers a variety of topics including how the initiative doles out the money, how much is available and the restrictions.   

The National Federation of Community Development Credit Union's CEO, Cliff Rosenthal is available for questions concerning the CDCI and its application to low-income credit unions. He may be contacted at crosenthal@cdcu.coop. For any credit union that has a question about CDCI or becoming a community development credit union, contact LSCU Vice President, Cooperative Initiatives Laura Vann.
[ Return to Top ]

Find a credit union - search engine available on LSCU Web site

LSCU's Web site can help members locate a credit union in Alabama or Florida. The "find a credit union" search engine provides needed information just a click away. The "find a credit union" tab is at the top of the LSCU homepage near the Web site login function. 

Additionally, credit unions can easily keep their own information updated on "find a credit union," via the League, so that it is always accurate. This entails a simple username and password and a quick tutorial from the League. 

For more information about "find a credit union," contact LSCU Vice President, Communications Mike Bridges at 800.576.8171 ext. 1022.

[ Return to Top ]

LSCU's La Pine presents $6,000 check to Children's Miracle Network

Patrick La Pine, LSCU CEO/president presented representatives from Children's Miracle Network with a check for $6,000 from the League of Southeastern Credit Unions. Left to right: Emily Hornak, Coordinator for Childen’s Miracle Network; Joe Dearborn, Senior Director, Development, Credit Unions for Kids; LaPine; and Sara Horton, Coordinator for Childen’s Miracle Network.

[ Return to Top ]

LSCU AC&E News
AC&E guest event highlighted: Italian cooking lesson

Guest Session: Cooking Class with Chef Horner
June 18, 2010, 10:30 a.m. – 1 p.m.

This fun guest session features an Italian cooking lesson with Chef Thomas Horner at the JW Marriott.

Guests will learn how to make a three course meal and enjoy eating their self-made meal at the end! Space is limited, so have your guests sign up early to ensure participation. All extra food will be donated to Second Harvest. The cost for this special guest session is $65. Buon appetito! [ Return to Top ]

Register for the AC&E online

It's time to register for the LSCU's 1st Annual Convention and Exposition (AC&E). You'll find everything you need on the LSCU Convention & Exposition Web site. View the Schedule-at-a-Glance, hotel information, golf tournament details, keynote speaker descriptions, guest and offsite events, exhibitor information, and more with just one click!  For registration information, just click here. This is a member-only event so you must sign in on the Web site to register and view certain information. If you have not signed up for Web site access, click here.

It's important to register for the LSCU Web site to gain access to registering for the AC&E. Plus, by having a username and password, you gain access to member-only parts of the Web site including governmental affairs and regulatory and compliance areas. Once you register, a confirmation email will be sent to the email address you signed up with. It's important that you check your spam filter if an email does not arrive within a few minutes. For any questions about the AC&E and registering for the event, contact LSCU Vice President, Education Joy Breedlove at 205.991.9710 ext. 2162.    [ Return to Top ]

Governmental Affairs News
First week recap of the Florida Legislature

The  opening of the legislative session and the Governor's "State of the State" speech were highlights of the first week of the Florida legislature.

On the eve of the session, many fundraisers were held.The LSCU team attended a dozen, to show support for legislators who are running for reelection this fall.

The legislative session began with a meeting of the lobbying team. Under discussion were the issues being monitored and the bills being tracked - around 300 of them.  The LSCU observed 12 committee meetings and attended a day-long management team meeting. Another event of the first week included lunch with former Speaker Pro Tempore, Dennis Baxley, who is making a bid to return to the legislature after sitting out three years.

Despite a calm surface, the election season is in full swing in Florida. A special election is to be held in April to replace former House Speaker Ray Sansom who recently resigned. Also on tap is a special election to replace Congressman Robert Wexler who resigned a couple of months ago.

Of great concern to legislators, but not of direct impact to credit union, is the shortfall in the state's budget, estimated at between $1 and $3.1 billion. The state's sales tax revenue gained after the hurricanes in 2004 - 2005 increased the budget by nearly $7 billion. The budget makers are now having to reduce the expenditures to align with the reality of reduced revenues.

For more information on the Florida legislature, contact LSCU Vice President, Legislative Affairs Mark Landreth.
[ Return to Top ]

Alabama Legislature update; Bingo bill dropped

In Montgomery, the Bingo bill has been declared over for the year by its sponsor, clearing the way for the Legislature to concentrate on developing and passing a budget. The state’s budgets are forecast to be deep in the red, and filling the gap is going to be a difficult task. While the Governor submitted his budget at the beginning of the session, almost everyone agrees that the dependence on another round of as-yet unsecured federal stimulus dollars will need to be addressed. The Legislature does not want to wait until they see what Congress may do, since failure to pass a budget within the remaining eleven legislative days would necessitate a special session, something they do not want to do in an election year. 

From a credit union perspective, the LSCU will be working to ensure that there is no tax or new “fees” on credit unions. In addition, while the Governor’s original budget funded the Alabama Credit Union Administration without the transfers to the General Fund we have seen in the past, the LSCU will stay with the process to ensure that this kind of back-door tax is not attempted again.

In the Senate, Governor Riley is expected to make his nominations for the open seats on the Alabama Credit Union Administration Board, and begin the process of Senate confirmation. The LSCU will be working with the Governor’s staff to ensure that whoever the nominees are, they receive a prompt and successful confirmation by the Senate to begin their terms.

A number of bills remain on the LSCU's radar, including a new one that would prohibit credit card issuers from increasing interest rates or lowering credit lines more than once every 12 months. This is a blanket prohibition with no exceptions. The LSCU does not expect it to move, but will track it very closely and act if the need should arise.  Wednesday the Senate Government Affairs Committee will hold a hearing on a bill to require registration and regulation of  real estate appraisal management companies. The bill does not include any new requirements for lenders and should have no effect on credit unions.

Election season is moving into full swing and the LSCU staff continues to meet with candidates for office. The LSCU has had initial discussions with candidates for the 7th Congressional district, being vacated by Congressman Artur Davis, due to his campaign for Governor. More formal meetings are expected with these and other candidates for various offices around the state in the coming weeks. This is going to be a very important election year, and the LSCU will be engaging credit unions in a number of races and other election activities.   

 For more information on the Alabama Legislature, contact LSCU Vice President, Legislative Affairs/Staff Counsel Will McCarty.  


[ Return to Top ]

Washington D.C. Update

The U.S. Senate returns Monday to consider tax-extender legislation. Later this week, the Senate will consider the jobs bill that they passed last week and that the House returned with amendments. This jobs bill is focused on small business tax incentives; and the LSCU expects that the Senate will consider additional jobs bills throughout the year. It is hopeful that one or more of those bills will include MBL language. Credit unions should try to keep the issue in the forefront of its delegation's minds. This is an issue that the LSCU and credit unions in Alabama and Florida have been working on with our Congressional delegations, most recently as part of Hill meetings during the CUNA GAC. The LSCU continue tos follow up with Congressional offices, building on Feb. meetings to move this important legislation.

The House returns Tuesday and may also consider any further amendments the Senate makes to the jobs bill.

It will be an interesting week in Committee.  The Senate Banking Committee will not meet this week in anticipation of the release of a new regulatory restructuring bill.  If and when a regulatory restructuring bill is released, the LSCU expects the Senate Banking Committee will proceed to mark-up the following week. 

There are a few hearings of interest to credit unions on the House side. Tuesday the House Financial Services Committee will hold a hearing entitled, "Community Development Financial Institutions (CDFIs): Their Unique Role and Challenges Serving Lower-Income, Underserved and Minority Communities." 

Wednesday the House Financial Services Committee subcommittee on Financial Institutions and Consumer Credit will hold a hearing on "Regulation of Money Service Businesses." That same day, the House Financial Services Committee subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises will hold a hearing entitled, "Approaches to Mitigating and Managing Natural Catastrophe Risk: H.R.2555, The Homeowners' Defense Act." 

Thursday the House Financial Services Committee subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises will hold a hearing on, "Corporate Governance after Citizens United."  Also, Thursday, the House Financial Services Committee subcommittee on Housing and Community Opportunity will hold a hearing entitled, "The FHA (Federal Housing Administration) Reform Act of 2010."

If you have questions regarding these or any legislative issues, please contact the LSCU Vice President, Legislative Affairs/Staff Counsel Will McCarty or LSCU Vice President, Legislative Affairs Mark Landreth.  [ Return to Top ]

Compliance Corner
League Infosight features Hot Topics for 2010

This week's League Infosight newsletter features the hot topics for 2010. The National Credit Union Administration (NCUA) and two state-level financial examiners say some of the hottest issues this year will include indirect lending and risk concentration, which the NCUA will soon provide guidance on in Letters to Credit Unions.

The Federal Reserve Banks announced that they have completed the reduction in paper check processing infrastructure that was begun in late 2003. With the discontinuation of paper check processing at the Atlanta office on Friday, February 26, 2010, all paper check processing is now handled at the Cleveland office. The Atlanta office serves as the Reserve Banks' processing location for electronic check processing. This also directly relates to credit unions check-hold disclosures. CUNA Compliance focuses on this issue in Infosight. 

To read the entire issue of League Infosight, click here.  League Infosight requires a password. If you do not have a password, you can request one. The login page is on the LSCU homepage. Login and make sure you click which state, AL or FL, you are in. For any League Infosight questions, contact LSCU Vice President, Regulatory Affairs Bill Berg.   [ Return to Top ]

Infosight usage doubles in February in Alabama

League Infosight is one of the greatest resources a member credit union can utilize. The newsletter highlights the most pertinent compliance news and provides perspective on many of the complicated compliance issues. The League Infosight Web site hosts model policies that can serve as a starting point for credit unions. The wealth of information topics included in the Web site are second to none. In February, Alabama credit unions doubled their usage of League Infosight and also set a record for usage in one month. The usage volume went from 409 in January to 942 in February. Usage volume for Florida remained steady in the 500 to 600 range. 

The model policies also saw significant  usage going from 26 policy hits to 45.  In Florida, the model policies usage remained in the 50's. The LSCU President/CEO Patrick La Pine hopes to see this trend continue.  

"League Infosight should be a regular part of credit unions weekly reading. The resources available through Infosight are almost like having another compliance officer on staff. While the model policies aren't designed to be turnkey, they do provide an excellent framework for credit unions."  

League Infosight is a password protected area on the LSCU homepage. If a member credit union does not have a password, they can request one. Once it is received, login in through the LSCU homepage and click on AL of FL for the League Infosight for your state. If a credit union has a question, contact LSCU Vice President, Regulatory Affairs Bill Berg at 850.576.8171 ext. 1028.  

  [ Return to Top ]

Compliance calendar and training schedule

Regulatory Changes

March 19
ACH Authorizations and Returns Rule - Effective Date

ACH Stop Payments and Regulation E Rule - Effective Date

April 1
Regulation Z - Escrow Requirement for "Higher Priced" Mortgages - Effective Date

Regulatory Training

March 2–23
CUNA Compliance Fundamentals eSchool

April 24–25
CUNA Compliance Fundamentals Seminar - Conference

April 25–30
CUNA Regulatory Compliance School: Introduction - Conference

April 25–29
CUNA Regulatory Compliance School: Update - Conference

May 5 & 12
Consumer Lending Regulations - Webinar
2:00–4:00 p.m. CST [ Return to Top ]

Cooperative Initiatives News
Save the date: Assets for Independence Workshop - Federal Funding for Individual Development Accounts

Is your organization looking for Federal funding to promote financial security for low-income families? Attend an upcoming orientation workshop about Federal Funding for Individual Development Accounts.

Workshop participants will learn about Assets for Independence, the Federal program that provides grant funding for Individual Development Account (IDA) projects. Topics will include application requirements and procedures; tips for developing strong IDA projects that address unique needs of communities in the Mid South; and pre-application information available from the AFI Resource Center.

The Office of Community Services, U.S. Department of Health and Human Services, is pleased to co-sponsor this orientation session with the Foundation for the Mid South.

What:     Federal Funding for Individual Development Accounts

When:    6:30 - 9:30 p.m. on March 11
                8:00 a.m. - 3:45 p.m. on March 12

Where:   Jackson Marriott
                200 East Amite Street
                Jackson, MI 399201

For more information on the Assets for Independence and Individual Development Accounts contact the LSCU Vice President, Cooperative Initiatives Laura Vann at 800.846.8374, ext. 2181. To register, visit the AFI program Web site online

[ Return to Top ]

LSCU Education News
Register for IRA training workshops in Orlando and Birmingham

One or two day IRA workshops are being held in both Orlando and Birmingham this month. On day one IRA Essentials will provide attendees with a solid foundation of IRA knowledge. The IRA  Advanced workshop on day two will address some of the more complex IRA issues.

The workshops are instructed by Ascensus IRA Training (formerly CUNA Mutual Group IRA Division) and are perfect for IRA direct credit unions. Drawings for complimentary webinars will also be held.

To learn more about the workshops and to register, click on the dates.

In Orlando:

  • March 16: 8:30 a.m. - 4 p.m. EDT, IRA Essentials, at the Orlando Airport Marriott
  • March 17: 8:30 a.m. - 4 p.m. EDT, IRA Advanced, at the Orlando Airport Marriott
In Birmingham:
  • March 30: 8:30 a.m. - 4 p.m. CDT, IRA Essentials, at Birmingham Marriott
  • March 31: 8:30 a.m. - 4 pp.m. CDT, IRA Advanced, at Birmingham Marriott
[ Return to Top ]

LSCU Leadership Council meetings are scheduled in Alabama and Florida

Make plans to attend LSCU's Leadership Council meetings coming up featuring Dave Timmons, Leadership Artist, Speaker and Author as he speaks on "Six String Leadership." See and click below for location, registration, and topic details. 

Tuesday, March 23: Fort Lauderdale 

Thursday, March 25: Jacksonville

Thursday, April 22: Birmingham

The Councils meet several times a year in locations across the two states and provide members with the opportunity to network with their peers, discuss issues concerning their professions, share best practices and hear from experts in the industry.

Click here to learn more about LSCU's Leadership Councils. [ Return to Top ] [ Return to Top ]

News from You
FAIRWINDS Credit Union announces two new board members


FAIRWINDS recently announced the results of their 2010 Board of Directors election and are pleased to congratulate B. Daniel McNutt, Jr. and Lisa Snead. Both McNutt and Snead will serve a three-year term.

McNutt has served on the FAIRWINDS Board of Directors for the past 27 years in various positions that include Treasurer, Vice Chairman, and Chairman.  

Snead steps into her first term as a FAIRWINDS Director with first-hand experience and knowledge of the credit union. A long-time FAIRWINDS member, she has served on the credit union’s Audit Committee for several years. 

The two new members were selected to fill two vacancies from four candidates in this year’s election. McNutt was re-elected filling one slot while Snead takes the place of retiring Director V. Albert Janoska, Jr. Janoska is retiring after serving the credit union Board for 28 years.

[ Return to Top ]

Alabama Telco Credit Union stresses alternatives to payday loans

In today’s tough economy, payday loans have become increasingly popular.

“Payday loans are a quick way to get money when you don’t have it now, but it comes at a high price,” explains Billy Chancellor, Alabama Telco Credit Union’s Senior Vice President of Lending. “The truth is the average fee for a payday loan is $15 per $100 borrowed. If you translate that two-week advance into an annualized rate, as on a credit card, you’re looking at a 391 percent interest rate. Many consumers tend to extend their loan and end up paying more in fees than what they borrowed."

Consumers do have alternatives.

  • Credit unions and some banks offer short-term loans for small amounts at competitive rates.
  • Another option is a home equity line of credit. Consumers can use the equity in their home to consolidate debt while paying a much lower rate.
  • Credit cards are also another solution, if it’s the right credit card. Credit cards from credit unions have  little to no fees, reasonable credit limits and low interest rates.
  • Overdraft protection on your checking account. Overdraft protection can help cover checkbook errors and protect you from further credit problems. There is a fee associated with it, but it may be a better option than the total fees accumulated from the length of a payday loan.

For more tips and products designed to help you manage your debt and credit, visit www.alatelco.org. [ Return to Top ]

Community First Credit Union of Florida names Controller
Michael Valley

Michael Valley has been named the Controller for Community First Credit Union of Florida. Reporting to the Chief Financial Officer, Valley will be responsible for all accounting and financial analysis operations of the $1 billion credit union. He previously served as the Vice President and Finance Manager for The Jacksonville Bank.

As Controller, Valley will oversee all the regulatory and reporting requirements of the credit union, conduct financial analysis and reporting, develop and manage budgets and work with auditors. [ Return to Top ]

Credit Union Job Postings
Credit union employment opportunities posted online

Click here to view credit union-specific job opportunities in Alabama and Florida. [ Return to Top ]

Calendar
Schedule of events
Organic Growth: Frontline
March 16, 1 - 2:30 p.m., (webinar)
 
IRA Essentials Workshop, Orlando
March 16, 8:30 a.m. - 4 p.m. (workshop)

IRA Advanced Workshop, Orlando
March 17, 8:30 a.m. - 4 p.m. (workshop)

RESPA/HMDA
March 25, 12 -  1:30 p.m. (webinar)

IRA Essentials, Birmingham
March 30, 8:30 a.m. - 4p.m. (workshop)

IRA Advanced Birmingham
March 31, 8:30 a.m. - 4 p.m. (workshop)

Leadership Councils
March 23, 2010
,
Fort Lauderdale, FL

March 25, 2010, Jacksonville, FL

March 31, Birmingham, AL

[ Return to Top ]

footer