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We're back! Hal, Katherine and I enjoy a fun episode with special guest Matt Davis, the Credit Union Warrior. Here are the topics: --FACTA Update --Share insurance: changes, resources and marketing issues --CUs, TARP and the bailout in general --SAFE Mortgage Licensing Act --ATM agreements with third parties --Social media and credit unions update. (The outtakes are worth listening to after the credits) The CIiCU hosts are: Brian Witt Member Farleigh Wada Witt, Attorneys at Law 121 SW Morrison Street, Suite 600 Portland, Oregon 97204 Telephone: 503-228-6044 Fax: 503-228-1741 http://www.farleighwitt.com Guy Messick Member Messick & Weber P.C. The Madison Building, 108 Chesley Drive Media, Pennsylvania 19063-1712 Telephone: 610-891-9000 Fax: 610-891-9008 http://www.cusolaw.com Faith Anderson American Airlines Credit Union P.O. Box 619001 MD 2100 DFW Airport, TX 75261-9001 (800) 533-0035 https://www.aacreditunion.org/default.asp Robert Rutkowski Shareholder Weltman, Weinberg & Reis Co., L.P.A. 323 W. Lakeside Avenue, Suite 200 Cleveland, Ohio 44113 Telephone: 216-739-5004 Fax: 216-739-5642 http://www.thatcreditunionblog.com http://www.weltman.com Subcribe to the show via iTunes Music Store: http://phobos.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?id=151785964&s=143441

This is an interactive online workshop designed to present a brief overview of the changes in the FY 09 Brownfields Proposal Guidelines and to answers questions. Participation in the Part I workshop is recommended, but not a prerequisite for this workshop. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r7bfguidelines2_102108/

This is an interactive online workshop designed to present a brief overview of the changes in the FY 09 Brownfields Proposal Guidelines and to answers questions. Participation in the Part I workshop is recommended, but not a prerequisite for this workshop. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r7bfguidelines2_102108/

This is an interactive online workshop designed to present a brief overview of the changes in the FY 09 Brownfields Proposal Guidelines and to answers questions. Participation in the Part I workshop is recommended, but not a prerequisite for this workshop. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r7bfguidelines2_102108/

The proposal deadline for the Environmental Protection Agency's Brownfields Assessment, RLF and Cleanup Grants is quickly approaching. This National outreach session will review the evaluation criteria and selection process for the grants, but will dedicate most of the time to Questions and Answers from applicants. EPA encourages participants to think of questions they have ahead of time and come prepared to contribute to the discussion. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/bfqa_101608/

The Superfund Basic Research Program (SBRP), in collaboration with the Environmental Protection Agency (EPA) Office of Superfund Remediation and Technology Innovation (OSRTI) presents "Phytoremediation." This series of online seminars will focus on the science of incorporating phytoremediation into hazardous waste site remediation plans. This, the first of three sessions, will feature Dr. David Tsao, BP Corporation North America, Inc. and Dr. Jerald Schnoor, SBRP-University of Iowa. Dr. Tsao's presentation will provide an overview of phytotechnologies, a broad set of technologies that utilize plant-derived processes to remediate or contain contaminants in soil, sediments, surface, or groundwater. The various applications of phytotechnologies have become attractive alternatives to conventional cleanup technologies due to relatively low capital costs, the inherently aesthetic nature of planted sites, and many other advantages. Dr. Tsao will also touch on the limitations that need to be considered when evaluating the use of phytotechnologies for site-specific applications. Dr. Schnoor's presentation will focus on plant degradation of airborne PCB congeners, a potential in situ treatment PCBs in soils and groundwater. Laboratory experiments have shown that plants take up PCBs from the hydroponic solution and transform them to hydroxyl-metabolites and dechlorinated PCBs. Dr. Schnoor will describe the green liver model, which explains the fate of organic contaminants inside plant tissues, and will focus on the three phases of PCB metabolism. He will also introduce poplar experiments designed to confirm which genes are responsible for PCB metabolism as well as studies that identify endophytic bacteria and rhizosphere microorganisms that increase the rate of PCB degradation. The session will be moderated by Kris Geller, New Jersey Department of Environmental Protection, who is team leader of the "Phytotechnologies Technical Team" for the Interstate Technology & Regulatory Council (ITRC). To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/phyto1_101408/

The Superfund Basic Research Program (SBRP), in collaboration with the Environmental Protection Agency (EPA) Office of Superfund Remediation and Technology Innovation (OSRTI) presents "Phytoremediation." This series of online seminars will focus on the science of incorporating phytoremediation into hazardous waste site remediation plans. This, the first of three sessions, will feature Dr. David Tsao, BP Corporation North America, Inc. and Dr. Jerald Schnoor, SBRP-University of Iowa. Dr. Tsao's presentation will provide an overview of phytotechnologies, a broad set of technologies that utilize plant-derived processes to remediate or contain contaminants in soil, sediments, surface, or groundwater. The various applications of phytotechnologies have become attractive alternatives to conventional cleanup technologies due to relatively low capital costs, the inherently aesthetic nature of planted sites, and many other advantages. Dr. Tsao will also touch on the limitations that need to be considered when evaluating the use of phytotechnologies for site-specific applications. Dr. Schnoor's presentation will focus on plant degradation of airborne PCB congeners, a potential in situ treatment PCBs in soils and groundwater. Laboratory experiments have shown that plants take up PCBs from the hydroponic solution and transform them to hydroxyl-metabolites and dechlorinated PCBs. Dr. Schnoor will describe the green liver model, which explains the fate of organic contaminants inside plant tissues, and will focus on the three phases of PCB metabolism. He will also introduce poplar experiments designed to confirm which genes are responsible for PCB metabolism as well as studies that identify endophytic bacteria and rhizosphere microorganisms that increase the rate of PCB degradation. The session will be moderated by Kris Geller, New Jersey Department of Environmental Protection, who is team leader of the "Phytotechnologies Technical Team" for the Interstate Technology & Regulatory Council (ITRC). To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/phyto1_101408/

A Systematic Approach for Evaluation of Capture Zones at Pump and Treat Systems presents a systematic approach for the evaluation of capture zones at pump and treat systems, and provides an overview of a recently published USEPA document on the topic (EPA 600/R-08/003, January 2008). The target audience for the course is project managers who review those analyses and/or make decisions based on these types of analyses. This course will highlight:The importance of capture zone analysis during ground water remediation, particularly for sites requiring containmentKey concepts of capture, such as "target capture zones" and "converging lines of evidence"Typical errors made in capture zone analysisIn addition, steps associated with a systematic approach for capture zone analysis will be discussed. These steps include the following:Step 1: Review site data, site conceptual model, and remedy objectivesStep 2: Define site-specific Target Capture Zone(s)Step 3: Interpret water levelsPotentiometric surface maps (horizontal) and water level difference maps (vertical)Water level pairs (gradient control points)Step 4: Perform calculations (as appropriate based on site complexity)Estimated flow rate calculationCapture zone width calculationModeling (analytical and/or numerical) to simulate water levels, in conjunction with particle tracking and/or transport modelingStep 5: Evaluate concentration trends Step 6: Interpret actual capture based on steps 1-5, compare to Target Capture Zone(s), and assess uncertainties and data gaps Examples will be used to demonstrate key aspects of capture zone analysis. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/capturezones_100808/

A Systematic Approach for Evaluation of Capture Zones at Pump and Treat Systems presents a systematic approach for the evaluation of capture zones at pump and treat systems, and provides an overview of a recently published USEPA document on the topic (EPA 600/R-08/003, January 2008). The target audience for the course is project managers who review those analyses and/or make decisions based on these types of analyses. This course will highlight:The importance of capture zone analysis during ground water remediation, particularly for sites requiring containmentKey concepts of capture, such as "target capture zones" and "converging lines of evidence"Typical errors made in capture zone analysisIn addition, steps associated with a systematic approach for capture zone analysis will be discussed. These steps include the following:Step 1: Review site data, site conceptual model, and remedy objectivesStep 2: Define site-specific Target Capture Zone(s)Step 3: Interpret water levelsPotentiometric surface maps (horizontal) and water level difference maps (vertical)Water level pairs (gradient control points)Step 4: Perform calculations (as appropriate based on site complexity)Estimated flow rate calculationCapture zone width calculationModeling (analytical and/or numerical) to simulate water levels, in conjunction with particle tracking and/or transport modelingStep 5: Evaluate concentration trends Step 6: Interpret actual capture based on steps 1-5, compare to Target Capture Zone(s), and assess uncertainties and data gaps Examples will be used to demonstrate key aspects of capture zone analysis. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/capturezones_100808/

The EPA Region 4 Grant Writing Workshop is designed to assist local governments and nonprofit organizations to better understand the proposal criteria and selection process for EPA's brownfields assessment and cleanup grants. Major workshop agenda topics will include:What are the different grant types EPA provides for brownfields?Who is eligible to apply?What is the grant application process?What are threshold and ranking criteria? What makes a good application? Grant writing tips To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r4bfgrantwriting_100208/

The EPA Region 4 Grant Writing Workshop is designed to assist local governments and nonprofit organizations to better understand the proposal criteria and selection process for EPA's brownfields assessment and cleanup grants. Major workshop agenda topics will include:What are the different grant types EPA provides for brownfields?Who is eligible to apply?What is the grant application process?What are threshold and ranking criteria? What makes a good application? Grant writing tips To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r4bfgrantwriting_100208/

OSC Readiness Training Program presents: Response Contracts Basics is for members of the Response Support Corps (RSC) and new On-Scene Coordinators (OSC) who have not yet received other contracts training and who may be mobilized to support the response to a major incident or an incident of national significance. The objective of the seminar is to provide participants with basic information about various response contracts. Participants will review: (1) the capabilities and scopes of work for the response contracts, (2) how contractor costs are documented, (3) the type of direction EPA can give the contractors, and (4) responsibilities for providing direction to contractors. After they have completed this seminar, participants will be able to more effectively interact with EPA's response contractors when they are mobilized to a major incident. Participants can use this seminar toward the continuing contracting education requirements of the Clinger-Cohen Act (the Maloney Bill requirement). To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/responsecontracts_093008/

OSC Readiness Training Program presents: Response Contracts Basics is for members of the Response Support Corps (RSC) and new On-Scene Coordinators (OSC) who have not yet received other contracts training and who may be mobilized to support the response to a major incident or an incident of national significance. The objective of the seminar is to provide participants with basic information about various response contracts. Participants will review: (1) the capabilities and scopes of work for the response contracts, (2) how contractor costs are documented, (3) the type of direction EPA can give the contractors, and (4) responsibilities for providing direction to contractors. After they have completed this seminar, participants will be able to more effectively interact with EPA's response contractors when they are mobilized to a major incident. Participants can use this seminar toward the continuing contracting education requirements of the Clinger-Cohen Act (the Maloney Bill requirement). To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/responsecontracts_093008/

OSC Readiness Training Program presents: ESF-10 From No Mission to Mission is for members of the Response Support Corps (RSC) and On-Scene Coordinators (OSC) who are not experienced in working under the Stafford Act process (and for those who still have questions about it). The Road to Mission Assignments is paved with good intentions, but you can't spend what you don't have. Never has this statement been truer than when dealing with disasters, Stafford Act funding, and Federal Emergency Management Agency (FEMA) operations. By taking the course, participants gain insights into the following: (1) The Mission Assignment process, (2) A presidential declaration after a disaster occurs, (3) Activation of Emergency Support Function (ESF) 10, and (4) Action Request Forms (ARF), Mission Assignments, task orders, and closeouts. Through presentations and question and answer sessions, OSCs and other participants should gain additional knowledge to assist in their work during a disaster. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/ESF-10_092908/

OSC Readiness Training Program presents: ESF-10 From No Mission to Mission is for members of the Response Support Corps (RSC) and On-Scene Coordinators (OSC) who are not experienced in working under the Stafford Act process (and for those who still have questions about it). The Road to Mission Assignments is paved with good intentions, but you can't spend what you don't have. Never has this statement been truer than when dealing with disasters, Stafford Act funding, and Federal Emergency Management Agency (FEMA) operations. By taking the course, participants gain insights into the following: (1) The Mission Assignment process, (2) A presidential declaration after a disaster occurs, (3) Activation of Emergency Support Function (ESF) 10, and (4) Action Request Forms (ARF), Mission Assignments, task orders, and closeouts. Through presentations and question and answer sessions, OSCs and other participants should gain additional knowledge to assist in their work during a disaster. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/ESF-10_092908/

This webinar is designed for potential assessment grant applicants. Attendees for this workshop should be generally comfortable with grant eligibility issues and ready to learn about how to write compelling narrative for a competitive assessment grant proposal. We urge participants to get started by previewing the ARC 2009 Grant documents available online. This workshop is part of a series of sessions offered by the Region 10 Brownfields Team and builds on the first webinar in the series, "EPA Brownfields Grants 2009: What You Need to Know to Get Started." Although not a prerequisite for this workshop, that session provided the groundwork for the first steps applicants will need to take in developing a competitive brownfields proposal and addressing threshold criteria. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r10bfassessment_092508/

This webinar is designed for potential assessment grant applicants. Attendees for this workshop should be generally comfortable with grant eligibility issues and ready to learn about how to write compelling narrative for a competitive assessment grant proposal. We urge participants to get started by previewing the ARC 2009 Grant documents available online. This workshop is part of a series of sessions offered by the Region 10 Brownfields Team and builds on the first webinar in the series, "EPA Brownfields Grants 2009: What You Need to Know to Get Started." Although not a prerequisite for this workshop, that session provided the groundwork for the first steps applicants will need to take in developing a competitive brownfields proposal and addressing threshold criteria. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r10bfassessment_092508/

This is an interactive online workshop designed to help applicants understand the basics of Brownfields, highlight the changes in new grant guidelines, get tips to prepare a better proposal, and get answers to questions. To view the slides associated with this audio, please visit http://www.clu-in.org/conf/tio/r7bfguidelines1_092408/