text: RMA's 2009 Chapter Administrator's Toolbox www.rmahq.org 800-677-7621 Table of Contents Page (s) Welcome Letter Chapter Administrator Guidelines About RMA RMA Resources Communication Tools Product Request Form Toolbox Order Form Chapter Web Site RMA Branding Guidelines Membership Resources Chapter Administrator Module Newsletter Resources Newsletter Template Programming Resources Marketing Brochure Template Calendar of Events Template Meeting Notice Templates Credit Card Processing Online Event Registration Event Set Up Form Board Meeting Resources Planning Calendar Template Chapter Roster Template Recognition Resources Sample Thank You Letter Certificate of Recognition Presidents Plaque Order Form RMA Logo Gifts Gold Medallion Award 2 3 4-10 11 12 13 14 15 16-18 19 20-22 23-24 25 26-28 29 30-31 32 33 34-37 38 39 40 41-45 46 1 Chapter Administrators Toolbox Welcome to the world of The Risk Management Association (RMA) and the chapter network. You have been chosen by one of the many RMA local or regional chapters to administrate some key tasks and assist the chapter in completing its mission. As a chapter administrator, you hold the keys to helping the local or regional chapter be one of the best in the global chapter network. This can be a very exciting venture for you and the chapter. All the individuals serving as board members give their time unselfishly to uphold and serve the RMA mission. They meet on a timely basis to serve the financial services community by planning and holding events that address current industry issues, social development (networking), and ongoing training needs. The chapters are the lifeblood of RMA and the entity most visible to the local membership. It is the chapters' duty to provide value to the members they support, and this duty extends to the chapter administrator. Thank you for showing an interest and agreeing to hold the pivotal position of chapter administrator. We hope you find this toolbox useful. It contains essential information, gathered by a team of RMA volunteers, to help you succeed in your job. We wish you all the success in your upcoming year as a Chapter Administrator. Thomas Archer III, CRC, Whitney National Bank (Subcommittee Chair) Nicol B. Halishak, CRC – FirstMerit Bank NA Steven E. Stewart – Manufacturers & Traders Trust Company Laura W. Martin – Regional Manager Central – RMA HQ 2 Chapter Administrator Basic Guidelines Each chapter administrator is responsible for understanding the chapter's bylaws, its mission statement, and its goals. Each chapter administrator plays a very important role in the success of the chapter, because he or she may be contracted or assigned to perform certain duties that will help relieve the chapter's administrative pressures, including (but not limited to): 1. 2. 3. 4. 5. 6. 7. 8. Marketing all events, programs, and open enrollment classes. Monitoring event registrations and collection of funds. Taking minutes during the board meetings. Sending out reminders about board meetings, general membership programs, and open enrollment classes. Distributing board communications, including the minutes and newsletters. Creating, maintaining, and managing, the membership lists and the mailing lists. Conducting hard mailings for special events or membership recruitment campaigns. Bearing responsibility for specific tasks assigned by the local or regional chapters. All chapter paid administrators should have a contract with or signed agreement by the chapter and not RMA HQ. All chapter administrators should understand that the chapters, as members of The Risk Management Association, are governed by the RMA HQ bylaws. Therefore, through the chapter bylaws, all chapter administrators are responsible for upholding the policies and practices governed in the RMA corporate bylaws as well. • RMA HQ will hold at least one conference call annually, which will focus on educating the chapter administrators about RMA's products, services, bylaws, Web site, event registration policies, open enrollments, membership, and chapter network. It will also be a forum for addressing issues from the chapter administrators and the chapters. • RMA HQ is available as a resource to answer any questions from chapter administrators. 3 The Risk Management Association g • • Member-driven professional association Sole purpose to advance the use of sound risk principles in the financial services industry Founded in 1914 4 • RMA Headquarters • • • • Located in Philadelphia, Pennsylvania 3,000 Institutional members 18,000 Individual members Services: Educational programs Risk management products Industry input to regulators y p g 5 RMA Chapters • There are 118 chapters in North America. RMA also has chapters located in London, Hong Kong, Singapore and Australia. Chapters provide the direct link to RMA members. Each chapter is governed by a volunteer board. RMA provides chapter support in four geographic regions, each assigned to a Regional Manager. • 6 RMA Membership Levels • • Associate – Associates Institutional • 7 Continuing Associates – Certified Associates Professional – Professionals – Certified Professionals – Academics • • Student RMA Credit Risk Certification (CRC) • Comprehensive exam assessing p g credit skills Three years of credit experience to be li ibl t b eligible Two testing windows: -March th M h through A il h April -October through November Successful examinees achieve: - CRC designation • Requires 60 CEUs every three years to maintain credential • 8 • • Educational Programming g g • RMA chapters play a vital role in delivering educational programs to members. • 9 RMA meets the educational needs of its members by offering quality credit-training programs. What Can RMA Headquarters Do for Your Chapter? D f Y Ch t ? Value-Added Resources: 10 1) 2) 3) 4) 5) 6) 7) 8) Regional Manager Administrative services Chapter Web sites RMA course materials Dues billing Sample chapter bylaws D&O liability insurance Information regarding IRS regulations RMA HQ Resources Manager – Chapters and Community Banks Southwest Regional Manager Lisa Poirot, CRC The Risk Management Association 1801 Market Street, Suite 300 Philadelphia, Pa 19103 Tel.: 281-344-1124; Fax: 281-232-2514 E: email@example.com Central Regional Manager Laura Martin The Risk Management Association PO Box 66 Union, KY 41091 Tel.: 859-384-1760; Fax: 859-384-1767 E: email@example.com Northeast Regional Manager David Arata The Risk Management Association 1801 Market Street Suite 300 Philadelphia, Pa 19103 Tel.:: 215-446-4127; Fax: 215 446-4262 E: firstname.lastname@example.com Southeast Regional Manager Elizabeth Dailey The Risk Management Association 11250-15 Old St. Augustine Road. PMB 171 Jacksonville, Fl. 32257 Tel.: 904-262-9358; Fax: 904-262-9645 E: email@example.com Western Regional Manager Erin Jester The Risk Management Association 1175 Shaw Ave. #104, PMB 102 Clovis, CA 93612-3932 Tel.: 559-324-9489; Fax: 559-324-9826 E: firstname.lastname@example.com Chapter Administrative Supervisor Mary Ann Yurkonis The Risk Management Association 1801 Market Street, Suite 300 Philadelphia, Pa 19103 Tel.: 215-446-4051; Fax: 215-446-4262 E: firstname.lastname@example.com Central/SW &Western Regional Chapter Support Rosemarie Casler The Risk Management Association 1801 Market Street, Suite 300 Philadelphia, Pa 19103 Tel.: 215-446-4053; Fax: 215-446-4262 E: email@example.com Northeast/Southeast Regional Chapter Support Anna Shuman, MBA The Risk Management Association 1801 Market Street, Suite 300 Philadelphia, Pa 19103 Tel.: 215-446-4073; Fax: 215-446-4262 E: firstname.lastname@example.com Open Enrollment Manager Debbie Trexler The Risk Management Association 1801 Market Street, Suite 300 Philadelphia, Pa 19103 Tel.: 215-446-4015; Fax: 215-446-4262 E: email@example.com 11 Communication Resources Communication Tools RMA templates and sample letters can be found at http://www.rmahq.org/RMA/Chapters/ • Templates for chapter newsletters (quarterly). • Template for chapter calendar. • Templates for program announcements. • Sample letters and invitations. • Template for fold-up marketing flyer. • RMA & You chapter presentation. Toolboxes (available in hard copy, CD-ROM, or via the RMA Web site) • • • • • • • • • • • Communication Education Financial Administration Leadership Membership Programming Young Professionals Recognition Tools Sample chapter service recognition letters. Sample recognition certificates. Gifts to order (allow six weeks for delivery). Chairperson plaques and gold medallion awards for special chapter service (allow six weeks for delivery). Product Boxes for Your Chapter Events No meeting is complete without your RMA display table. RMA product boxes include membership applications, The RMA Journal, product catalogs, product flyers and brochures. Product boxes can be requested using the Product Request form found on the Chapters section of the RMA Web site. 12 PRODUCT REQUEST FORM TO: RMA CHAPTERS Please print and fill out the form below to make your requests. Fax this form to 215-446-4262. We ask that you allow at least 2 weeks for processing and shipping to your location. RMA pays for normal ground track shipping. You will be responsible for any rush fees incurred if less than 2 weeks notice is given. Questions? Northeast & Southeast Regions call Anna Shuman, 215-446-4073, or e-mail firstname.lastname@example.com. Central, Southwest & Western Regions call Rosemarie Casler, 215-446-4053, or e-mail email@example.com. FROM: (Name & phone) Please send us the following: Qty: ___ ___ ___ Description: Membership Kits (Application, The RMA Journal, product flyers and brochures) Associate Professional Institutions Applications ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ Associate Professional Institutions Membership Development Letters on CD Communication Templates on CD Membership Toolbox Education Toolbox Board Orientation Guides Planning Meeting in a Box. (Includes Board Orientation Guides.) Please specify number of participants attending planning meeting ____. Chapter Membership list in Excel on CD RMA Product Box (to be displayed at chapter events, includes: applications, The RMA Journal, product catalog, product flyers and brochures). Please specify approximate number of attendees ____ SHIP TO: Name: Title: Organization: Address: City Tel: Chapter: Date needed by: ___________________________________ ___________________________________ ___________________________________ ___________________________________ _______________ ST_____ Zip_________ _______________ Fax: _______________ ___________________________________ ___________________________________ (Please allow at least 2 weeks for shipping) 13 TOOLBOX CD ROM REQUEST FORM TO: RMA CHAPTERS, FAX 215-446-4262 If you would like to receive the RMA toolboxes on CD ROM, which includes all eight toolboxes, please print and fill out the form below. Fax this form to the number listed above. Questions? Northeast & Southeast Regions call Anna Shuman, 215-446-4073, or e-mail email@example.com. Central, Southwest & Western Regions call Rosemarie Casler, 215-446-4053, or e-mail firstname.lastname@example.com. FROM: (name & phone) Qty: ___ Description: Toolboxes on CD ROM include: Chapter Administrator Toolbox Communication Toolbox Education Toolbox Financial Administration Toolbox Leadership Toolbox Membership Toolbox Programming Toolbox. Young Professionals Toolbox SEND TO: Name: Title: Organization: Address: City Phone: Chapter: ___________________________________ ___________________________________ ___________________________________ ___________________________________ _______________ State _____ Zip ______ ______________ Fax: ________________ ___________________________________ *These toolboxes and all templates can also be found online at www.rmahq.org. Click on "Chapters" from the "Quick Links" menu on the left hand side of the screen. 14 Communicating Via a Web Site Use Our Services: We'll Maintain Your Chapter Web Site Like any business that looks toward the future, your RMA chapter may want to consider building a Web site to communicate with your current members and to attract new members. And, like all other forms of chapter communication, a Web site is an excellent place to tell your chapter's story. RMA offers chapters the service of building and maintaining their Web sites through the RMA Web site. To take advantage of this service, you must collect and send to RMA the following: 1. A summarized history of your chapter (RMA Chapters Division can assist you with this). 2. A list of upcoming local events, including general membership meetings and affinity group meetings. Your chapter calendar would provide this information. 3. A list of your upcoming educational events, including RMA cosponsored events. 4. Any special conferences or lending schools for your chapter. 5. Any special golf outings or other events. 6. A listing of all chapter officers and board members, complete with their contact information, if possible. At least one person must supply contact information. 7. A copy of your most current newsletter. 8. Any events or information regarding your chapter's Young Professionals group. Information to update your Web site must be provided on a regular basis to include new chapter information and to remove old information. Send your Web site information to: Northeast and Southeast Regions: Anna Shuman, email@example.com Central, Southwest, and Western Regions: Rosemarie Casler, email@example.com PLEASE SEE THE ATTACHED TIP SHEET FOR THE CHAPTER EVENT REGISTRATION FORM AND PAYMENT COLLECTION PRACTICES: 15 T H E R I S K M A N A G E M E N T A S S O C I A T I O N Enterprise Risk Management: Credit Risk Operational Risk Market Risk Branding Guidelines for Chapters 2009 www.rmahq.org 1-800-677-7621 16 Introduction Like any professional organization, RMA is dedicated to promoting and protecting its brand. Our members and customers recognize the value RMA brings to the financial services industry. Their participation in RMA events as well as their purchases of our products and services demonstrate their loyalty to the association. We are proud of our accomplishments and our strong reputation in the industry. That's why we want our brand to be communicated consistently at each chapter around the country. We want all of our communications to reflect RMA's dedication to excellence. To help you promote the RMA brand in your communications, we have developed these simple guidelines. Our brand is the strong reputation that we have earned since 1914, first as the promoter and protector of credit quality and now as the professional association that champions best practices in risk management across the enterprise. Using the RMA Logo RMA's logo represents the brand, so its use should be consistent throughout our chapters. w Use the current RMA logo on printed communications. The current logo has the "®" mark. If you do not have a copy of it, contact RMA's marketing production coordinator, Keara Calu, at email@example.com or 215-446-4125. w The logo should be printed in black and white or, when printed in color, in black and blue. If you use a professional printer, tell the printer to use Pantone 293 for the RMA blue in the logo. w The logo should never be squeezed to fit into a space. Instead, reduce its overall size. 3 3 17 Using the RMA Name w Always use The Risk Management Association in first references. Use RMA in subsequent references. Never use our old name, Robert Morris Associates. w Make sure that your personnel records in your institution's public relations and human resources offices reflect the correct name of your association. Too often, we receive press clips about promotions or appointments of members indicating that they belong to Robert Morris Associates. E-Communication Tips w Consider using e-mail to communicate with members about upcoming events. w Put addresses on the bcc line in large group e-mails. is an examplerecipients' privacy and This This protects the of bold sans serif ensures that the list . reverse Type cannot be copied by someone who will try to sell them something. This is an example Writing Tips of serif reverse Type. w Be brief. w Keep the writing simple. w Use bulleted points and subheads whenever you can. People want to be able to get the information quickly. Appearance Issues for Printed Materials w Avoid the use of clip art. Clip art detracts from the professional appearance of reports and other mailings. Microsoft's clip art is especially bad. w Use no more than two typefaces in printed materials. A sans serif typeface looks good in headlines, while a serif typeface works well in text because it is easier to read than sans serif. w Use type no smaller than 10 point. w Consider using white/empty space. Used judiciously, it gives a clean appearance and makes documents inviting to read. w Avoid the overuse of bold typeface. It's difficult to read and often detracts from the overall apperance of printed material. w Reinforce the RMA brand in PowerPoint presentations by using the logo. w Use white, almost white, or cream-colored paper stock for newsletters and letters. Bright-colored paper does not convey the professional image of The Risk Management Association. w Ask someone to proofread your communications. It's hard to see typos in your own work. w Be sure the RMA logo is not so large that it competes with your headline for attention. w Avoid widows and orphans on a printed page. A widow is a word left alone on the last line of a paragraph. An orphan is a word or phrase left alone on the top of a column. Branding 18 Guidelines Chapter Administration Module (for Members Only) To: Chapter Presidents As an RMA Member, you can now access membership information directly from the RMA Web site. Using our new updated CHAPTER ADMINISTRATION MODULE each chapter can authorize one individual to have access to the chapter's membership roster file. The person you authorize to use this module will be able to download the most current information into a spreadsheet to create mailing labels and monitor membership. Please fill out the form below to designate your module administrator. Return to: Mary Ann Yurkonis, Chapters & Member Relations Fax: 215-446-4101, Phone: 215-446-4051, e-Mail: email@example.com To designate your administrator, please fill in the following information. Module Administrator: Chapter Name: Institution: e-Mail address: Phone/Fax: (Please print all information clearly.) Please Note: Misuse of the membership roster, such as distributing to individuals or institutions for purposes other than to promote an RMA HQ or RMA Chapter event would violate RMA HQ Bylaws and would immediately revoke the users access. Membership lists may not be shared with recruiters, third party vendors, professional firms, businesses, private individuals, or nonmembers without the written consent of RMA HQ. 19 Spring 2009 Volume 49.1 N EWSLETTER N AME From Your Chapter President SAMPLE COMMENTARY FROM THE CHAPTER PRESIDENT Volunteer Spotlight Insert the name and photo of, and information about, a volunteer who has gone "above and beyond"! Welcome to our Spring newsletter. I hope you take the time to read through it and give us your comments. It is designed for our chapter members. If you have suggestions for future topics, or if you would like to write an article for the newsletter, please let us know. The goal of this newsletter is to provide you with information you can use within your area. Chapter President 2008–09 (Chapter Name) Chapter Officers Please welcome our newest members! 2008–09 CALENDAR OF EVENTS Our chapter presents opportunities for individuals to get involved. Chapters rely on the talents of volunteers to stage many of their programs, conduct membership development efforts, and promote the ideals of the Association. To find out more about how you can get involved in our chapter, call (insert contact name/phone/email here.) 20 Expensive Tuition: Eight Lessons Learned from the Credit Crisis By J. Tol Broome Jr. This article is a condensed version of the article that appeared in the February 2009 RMA Journal. To read in its entirety, please check out our Web site: rmahq.org. As we continue to work through the most challenging period in the financial services industry since the Great Depression, some lessons are beginning to emerge. While much of the damage was caused by complex credit structures, such as collateralized debt obligations and credit default swaps, most of the "spilled milk" resulted when lending basics were ignored. What follows are eight lessons learned from the credit crunch, as well as some direction on how to avoid a similar occurrence in the future. While lessons can also be learned regarding market, liquidity, and reputation risk, this article focuses on credit risk. 1. Underwrite Your Own Risk The core reason for the credit crisis is that many institutions did not underwrite their own risk. Most of the other lessons covered in this article are offshoots of this one. During the "easy credit" environment from 2002 to mid-2007, many banks abdicated this fundamental responsibility and ignored the basic principles of sound lending. The crux of the problem was an explosion of the "originate and sell" credit model. 2. Make Loans That Can Be Repaid Yes, cash flow is one of the "Five Cs" of credit that we learned in Lending 101, but it was largely ignored during the period 2002 to mid-2007. Again, let's consider subprime mortgage lending as the poster child of how cash flow was often disregarded in the underwriting process. Hundreds of billions of dollars in mortgage loans were made to borrowers with poor credit ratings, with no attempt made to verify income or employment. The borrowers were often "qualified" with low teaser rates and creative payment structures such as "pick-a-payment." (We used to call this negative amortization.) To make matters worse, the LTVs sometimes approached or even exceeded 100%. The loans were closed, booked, packaged, and sold (see Lesson #1), but nobody ever asked if the borrowers could repay the debt. 3. Require Equity Speaking of the Five Cs of credit, let's move on to another one: capital. One of the prevailing characteristics of the easy-credit environment was seemingly unlimited tolerance for leverage. It started with some of the lenders in the unregulated investment banking arena who operated with leverage ratios of 30:1 or higher. But that's an issue for another article. In the lending arena, the lack of required equity was evident in a number of different segments, particularly in real-estate-related credit. As the housing bubble continued to expand, residential land loans were made to developers at 90–100% of purchase price. Development loans were extended with as little as 10% in "equity," often allowing the borrower to trickle it in as the work was completed. Home construction loans were done at 80–85% of appraised value, which often allowed builders to put money in their pockets out of the proceeds. Once the house was complete, an eager buyer quickly purchased it, with the equally eager first lien mortgage lenders routinely providing 100% financing. It should come as no surprise that foreclosures quickly reached record levels when the housing bubble burst, given the negative equity position in which many homeowners found themselves. 4. Stick to Your Core Competencies Most banks cater to a certain niche. Generally, the mega banks are very good at serving the needs of the large corporate and retail sectors. Many regional banks thrive in middle-market and small business lending. And community banks focus on local businesses and individuals. Some banks are particularly adept at mortgage lending, while others have mastered certain types of specialized lending such as asset-based financing, leasing, and credit cards. 5. Diversify Your Portfolio This is a particularly tricky lesson as we work through the current credit crisis, for it was in the name of diversification that many banks bought subprime, CDO, CMBS, and student loan paper. Other banks sought to diversify into different geographic areas. These diversification strategies appeared sound at first glance. In many cases, however, the banks violated two other key lending principles. They did not underwrite their own risk, and they moved away from core competencies. 21 6. Maintain Granularity Granularity is a portfolio management technique similar to diversification. No matter the size of the bank, it is critically important to set lending limits and then manage to them. Many bank failures result from a lack of granularity. For instance, community banks sometimes find themselves in hot water after lending to a single client all the way up to the legal limit of 15% of capital. This is akin to "betting the bank" and is ill advised no matter how strong the client seems at the time of underwriting. 7. Know Your Counterparties and Loan Participants One of the many paradigm shifts of the recent credit boom was the use of credit default swaps to lay off risk. Before 2000, if a bank wanted to reduce risk exposures to a single name, there were two options: 1) find participants to buy specific positions in a specific transaction, or 2) purchase insurance. In either case, the counterparty risk was generally known to the bank and could be underwritten and monitored easily. If the primary borrower defaulted, the bank could go directly to the participants to share in the already funded exposure or to the insurance company with a claim. 8. Everybody Owns Risk In his letter for the October 2008 RMA Journal, RMA president and CEO Kevin Blakely asked, "Whose job is it, anyway?" He was referring to risk management. Answering his own question, Blakely said risk management is everybody's responsibility. "Anointing the CRO as the company cop, the person expected to keep everyone else in check, is a recipe for failure," warned Blakely. "When it comes to risk management, everyone's got a role to play, from the board of directors to the CEO to the lowest-paid employee in the mailroom. Unfortunately, they don't always accept that." Amen! The recent trend toward "hunter/skinner" models caused some bankers (and banks) to lose sight of the fact that everybody owns risk. Sure, those who are in "credit" jobs often will have the most experience in underwriting risk and managing a loan portfolio, but the relationship manager is at the point of contact with the client and should play an integral part in managing risk. Account officers with incentive goals skewed too heavily toward production often have been tempted to ignore clear signs of risk (for example, misleading client statements, disappearing assets, surprise liens, etc.) just to make a sale. J. Tol Broome Jr. is Specialized Lending Group manager, executive vice president, BB&T, WinstonSalem, North Carolina. He also serves on RMA's board of directors. He can be contacted at email@example.com. The RMA Journal Take a step into the future of banking while maintaining a strong foothold in the fundamentals. Subscribe to The RMA Journal—the official magazine of RMA available 10 times a year in print and digital formats. Please note that December–January and July–August issues are combined. Non-Associate Members (Employees of member institutions who are not individual members of RMA. Annual subscription – $70.00 Best deal – become an Associate – $55.00 per year. Nonmembers (Individuals from institutions not eligible for membership and not in any other membership class, i.e. Academic, Student, Certification, etc. Annual subscription – $110.00 Lock in today's pricing – two year rate 22 More RMA…. Just one click away! November 18, 2008 – The World Not According to GAAP: Accounting Convergence January 13, 2009 – February 10, 2009 – Detecting Fraud in Small Business Lending March 10, 2009 – Real Estate Appraisal Issues May 5, 2009 – State of the Commercial Real Estate Market Credit Risk Challenges During the Next 18 Months Lending and Risk Management Series www.rmahq.org (Your Chapter's) 2008-09 Calendar of Events How to Maximize Your Potential by Becoming Involved in RMA RMA involvement can be of great benefit to your institution. In a time when many are very focused internally, RMA provides a "window on the world" and keeps you on the leading edge with timely knowledge. Community Bank Series October 7, 2008 – Stress Testing the Commercial Loan Portfolio. December 9, 2008 – Compliance Issues – Flood Insurance and Real Estate Appraisal Management February 17, 2009 – The Future of Community Banking: Where do we go from here? April 14, 2009 – Loan Workout Strategies for Community Bankers. June 9, 2009 – Regulatory Update with Senior Regulators from the FDIC, Federal Reserve and OCC Time: All audio conferences will be held at 1:00 p.m. (ET), 10:00 a.m. (PT). Fees: Multiple listeners permitted free on the same line (include as many officers as can fit around your speakerphone). Information: 1-800-677-7621 RMA Members: $400 for all five audio conferences or $120 for each selected audioconference (per telephone line). Nonmembers: $600 for all five audio conferences or $180 for each selected audioconference (per telephone line). Individuals involved in RMA will learn teambuilding and leadership skills that will help them professionally. RMA is a great organization in which to involve your people. Your support and involvement in the local Chapter is essential to our success. 23 RMA's 2008-09 AUDIO-CONFERENCE SERIES Bring Banking's Best Discussions Right into Your Own Bank Conference Room! Don't miss the opportunity to dial in on some valuable discussion from your desktop! Industry leaders will discuss issues of interest to you and provide you with the opportunity to ask questions. Participants have the option to dial into any one of the series or purchase a package of the whole series. The Risk Management Association (Your Chapter Name) Chapter * RMA MISSION STATEMENT RMA is a member-driven professional association whose sole purpose is to advance the use of sound risk principles in the financial services industry. Your RMA Chapter Board Your Introduction Here What is RMA? RMA is the only financial services association to champion best practices in risk management while also monitoring emerging trends. Our strong relationship with members and regulators helps us develop new risk management techniques, innovative products, and education and training programs geared to risk management professionals at different stages of their careers. Over 70% of the Association's revenue is derived from providing products and services to members. What does RMA do? RMA was founded in 1914 to help commercial bankers make better lending decisions through the exchange of credit information. Today, RMA is the only association that specializes in promoting effective and prudent risk management practices for institutions of all sizes, across the entire financial services industry. Headquartered in Philadelphia, Pennsylvania, RMA has 3,000 institutional members that include banks of all sizes as well as nonbank financial institutions. They are represented in the association by over 20,000 risk management professionals who are chapter members in financial centers throughout North America, Europe, and Asia/Pacific. RMA hosts over 1,000 Roundtables, Conferences and training sessions each year. Our Journal is one of the most highly regarded publications of its kind and our Annual Statement Studies is a resource used by lenders, accountants, business owners and financial professionals. Helping our members understand sound risk principles will contribute to enhanced profitability and more efficient allocation of capital to support growth. Furthermore, individuals will be better prepared to meet the needs of customers and to grow professionally. 24 (Your Chapter Name) What our Chapter does. As one of over 120 active RMA Chapters, the (your chapter name) RMA Chapter plays an active role in fulfilling the mission. Through our area general meetings and educational events we enrich financial services professionals and our region's banking community. It's an important undertaking that is led and implemented by loyal volunteers from area institutions -- bringing RMA to you in your own backyard. RMA _____________ Chapter Presents Our Calendar of Events _____________ Chapter General Membership Meetings & Educational Offerings in 20XX: Date/Time/Location General Membership Meetings & Educational Offerings in 20XX: Date/Time/Location Our programs are open to our members and all prospective members, please join us at our next meeting. For more information about our program schedule, contact our _______________ Chapter Program Chair: 25 Chapter Name Presents: Date Time Speaker: Name Title Company City, State Location: Place Address City, State Cost: $/per person (Members) $/per person (Nonmembers) Please complete the registration form below and send your reply along with payment to: Contact Name Contact Bank Contact Address Phone: Contact #, Fax: Contact # From:__________________________ Institution:______________________ Phone:____________________________ Address:__________________________ Email:_______________________________________________________________ The Following Individuals From My Institution Will Also Be Attending The Program: ________________________________ ________________________________ _________________________________ _________________________________ 26 RMA <<Chapter Name>> Chapter Presents: <<Program Title>> Speaker: <<Name>> <Title>> <<Company>> Date: Time: Location: Cost: <<Date>> <<Time>> <<Place>> <<Address>> <City, State>> $/per person (Members) $/per person (Non-members) For Questions or to Register Contact: <<Name>> <<Company>> <<Address>> <<City, ST Zip>> <<Phone>> / Fax: <<Fax>> <<Email>> Your Name: Bank: Mailing Address: Phone: Title: E-Mail: Are you interested in volunteering with the local chapter? 27 The RMA <<Chapter Name>> Presents: <<A short paragraph describing the program can be placed in this space.>> <<Date>> <<Time>> Speaker: <<Name>> <<Title>> <<Company>> <<City, State>> Location: <<Place>> <<Address>> City, State Cost: <<$>> /per person (Members) <<$>> /per person (Nonmembers) Please complete the registration form below and send your reply along with payment to: <<Contact Name>> <<Contact Bank>> <<Contact Address>> Phone: <<Contact #>>, Fax: <<Contact #>> From:__________________________ Phone:__________________________ Institution:______________________ Title:____________________________ Fax:_____________________________ Address:__________________________ Email:_______________________________________________________________ President <<Name>> <<Bank>> <<Phone>> <<Fax>> <<Email>> Vice President <<Name>> <<Bank>> <<Phone>> <<Fax>> <<Email>> Membership <<Name>> <<Bank>> <<Phone>> <<Fax>> <<Email>> Program/Education <<Name>> <<Bank>> <<Phone>> <<Fax>> <<Email>> Chapter Administrator <<Name>> <<Bank>> <<Phone>> <<Fax>> <<Email>> 28 Instructions for Processing Credit Cards for Local Chapters There is a 5% fee for processing payments. After the event, all registration forms need to be faxed in one batch to the attention of Simona Curelariu at 215-446-4101. You also need to attach a Credit Card Payment Summary List, which shows the following: • • • • • Cardholder's name Payment amount Payment method Credit card number Expiration date Once all information is received, payments will be processed and a check will be issued to the chapter. Please inform individuals that the charge on their monthly statement will appear as follows: RMA 1-800-677-7621 You can call your RMA Regional Manager or Simona Curelariu (215-446-4031) with any questions. 29 RMA CHAPTER EVENTS ONLINE REGISTRATION REQUEST/AUTHORIZATION Participation Guidelines • • • RMA will provide Online Chapter Event Registration Services for chapter meetings and events. For entry into RMA's Systems, RMA requires the RMA Chapter Event Set-up form to be completed (see attached). Pricing can either be Flat Rate or Member\Nonmember. Member\Nonmember pricing will be based upon RMA Headquarters membership status not local chapter membership status. RMA will provide an online registration page for each event on the RMA hosted local chapter website for which complete information has been submitted. Chapter Event Registration will be online only. RMA Headquarters will not accept registrations by phone, fax or email. The cancellation fee for any meeting/event will follow RMA Headquarters Cancellation Policy as stated below: • Full refunds will be available on all cancellations up to 15 working days prior to the start of the event. Cancellation requests must be made by the chapter to firstname.lastname@example.com • Registrants who cancel 6-14 business days prior to the event will receive a refund equal to 50% of the fee. • Registrants who cancel reservations 5 or fewer business days prior to the event are not eligible for a refund. • Registrants failing to attend the event (no-shows) will not be eligible for refunds. • You may make a substitution from the same institution at any time. Registrants will be informed to direct all event questions to chapter event contact. Order confirmation email will be sent after a credit card is charged. RMA will provide a secure web page for the chapter event contact to download event registrant information. Download will be based upon an event code provided by RMA to the chapter event contact. RMA will remit paid registrations via ACH to participating chapters after each event (payment will be 5 to 10 business days after the event). Effective September 1, 2009 a 5% service fee will be deducted from the total amount collected. Each chapter will appoint one individual to act as liaison for Chapter Events and to receive Events payment (ACH) and reports. Chapters should complete the Chapter Events Online Registration Request/Authorization form and return it to RMA. • • • • • • • • • • Questions/Additional Information • Questions regarding the Chapter Events Online Registration Service should be directed to: Cindy Slick, Events Group Supervisor, 1801 Market St., Ste. 300, Philadelphia, PA 19103, phone 215-446-4138/ fax 215-446-4100/ e-mail email@example.com 30 RMA CHAPTER EVENTS ONLINE REGISTRATION REQUEST/AUTHORIZATION Our chapter would like to use RMA's Chapter Events Online Registration Service Chapter Name: ________________________________________________________________ Your Name:__________________________ Institution:___________________________ Address:____________________________ City, St, Zip:_________________________ Chapter Office held - __________________________________________________________ Chapter contact to receive Chapter Events payment (if different from above): Your Name:__________________________ Phone:______________________________ Institution:___________________________ Fax: _______________________________ Address:____________________________ Email:______________________________ City, St, Zip:_________________________ Phone:______________________________ Fax: _______________________________ Email:______________________________ ACH Information Bank Routing #___________________________ Bank Account #_________________________ On behalf of the _____________________________________ Chapter, I agree to the conditions outlined in the "Chapter Events Online Registration Participation Guidelines." Signature _____________________________________________ Date: ___________________ If you need to make any changes to the above information, a new Chapter Event Online Registration Request must be completed and returned to Cindy Slick. Please return this form to: Mrs. Cindy Slick RMA 1801 Market Street, Ste. 300 Philadelphia, PA 19103 Or Fax to: (215) 446-4100 Telephone: (215) 446-4138 E-mail: email@example.com 31 RMA CHAPTER EVENT SET-UP FORM Date:______________________ Please select type of event: General Membership Breakfast General Membership Luncheon General Membership Dinner Audioconference Community Bank Program Conference/Seminar/Education Program Joint Event Networking Event Roundtable Event Women in Banking Program Young Bankers Program Other____________________________ Chapter Name:______________________________________________________________________ Event Name:________________________________________________________________________ Event Begin Date:_______________ Start Time:_______________ Event Capacity:____________ Event End Date:_________________ End Time:__________________ Registration Fee: Member: $______________________ FACILITY INFORMATON (Location of Event): Name of Facility:_______________________________________________________________________ Address of Facility:_____________________________________________________________________ Room/Floor:_________________________ City, State, Zip:____________________________________ Hotel Information (if rooms are blocked for the event) Hotel Name:__________________________________________________________________________ Hotel Address:________________________________ City, State, Zip____________________________ Hotel Phone Number:___________________________________________________________________ Room Rate: Single $__________ Double $___________ Room Rate Cut-Off Date_________________ Additional Information About Event (casual dress, bring your calculator, lunch will be served, etc)__________________________________________________________________________________ _____________________________________________________________________________________ _____________________________________________________________________________________ Name of individual to be listed as event contact:____________________________________________ Phone:_______________________________ E-Mail:_________________________________________ Name of individual completing this form (if different from above):_______________________________ Phone:______________________________E-Mail:___________________________________________ Please return this completed form to Cindy Slick via fax to (215) 446-4100, Phone (215) 446 4138, email@example.com Nonmember: $_________________________ 32 RMA ______________ Chapter 20XX-XX Events Schedule Date Event Responsibility Comments 33 2009-10 OFFICERS and COMMITTEE CHAIRS (Please submit by 8/31/09) All Chapter Board Members must be Individual Associates of RMA. You may E-mail this information to us or submit it on your own form, if you prefer. RMA Chapter Name: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: ____________________________________________________ President Fax: (First) Vice President Fax: (Second) Vice President (if applicable) Fax: Secretary (Treasurer) Fax: Treasurer Fax: 34 2009-10 OFFICERS and COMMITTEE CHAIRS (Please submit by 8/31/09) Administrative Assistant Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Fax: MEMBERSHIP / MEMBER RELATIONS COMMITTEES Membership Committee Chair (This person will receive all membership information sent by Headquarters unless otherwise indicated below.) Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Young Bankers Committee Chair Fax: Person responsible for maintaining membership records if other than above. Fax: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: EDUCATIONAL COMMITTEES Program Committee Chair (for General Membership Meetings) Name: Title: Organization: Street Address: City, State Zip: Phone: Fax: 35 2009-10 OFFICERS and COMMITTEE CHAIRS (Please submit by 8/31/09) E-Mail: Education Committee Chair Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: COMMUNICATIONS COMMITTEES Newsletter Committee Chair Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Public Relations Committee Chair Fax: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Nominating Committee Chair Fax: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Fax: PROFESSIONAL ACTIVITIES COMMITTEES Paper-writing Competition Committee Chair Name: Title: Organization: Street Address: City, State Zip: 36 2009-10 OFFICERS and COMMITTEE CHAIRS (Please submit by 8/31/09) Phone: E-Mail: Fax: OTHER COMMITTEES (Please insert name) Committee Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Committee Fax: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Committee Fax: Name: Title: Organization: Street Address: City, State Zip: Phone: E-Mail: Fax: 37 SAMPLE THANK YOU LETTER TO CEO, SR. ASSOCIATE OR SUPERVISOR DATE NAME TITLE BANK ADDRESS CITY, STATE, ZIP RE: Name of RMA Volunteer Dear Name: All too often, we take for granted the positive efforts of the few, who by their actions greatly benefit many. Such is the case of (Volunteer's Name), and I wanted to make sure you knew about it. In banking, I think that it is pretty much universally agreed that, as an institution, we all benefit from RMA. We can count on receiving RMA's Annual Statement Studies book and, on a monthly basis, RMA provides a more comprehensive benefit through readings from the Journal of Lending & Credit Risk Management. And while RMA continues to wow us with new and innovative products and services, I would suggest the greatest value comes from what is gained at the local level. Accordingly, our RMA group—your group—is only as good as the aggregate efforts of the very few who have volunteered their time to actively take leadership roles. Locally, we provide educational workshops and round tables, as well as seminars from professionals in other industries that we interact with on almost a daily basis and, of course, there is the benefit of maintaining and maximizing a personal network within the local banking community. RMA's value is probably different for each and every one of us who has chosen banking as our profession. But those events do not happen by themselves. They take time, work, and leadership. (Volunteer's name(s)) and others like him (or her or them) voluntarily provide these qualities to the local group so that all of us in banking have the opportunity to benefit. As you can see from reviewing the enclosed agendas, RMA sponsored some very timely and dynamic programs in the 200_ - 200_ year. Hopefully, you were able to attend one or more. In the coming year, we have planned an even more aggressive agenda. The fruition of this could not, and will not, occur without people like (volunteer's name(s)) who have agreed to serve our group for the 200_ - 200_ year: (volunteer's name) in the capacity as the chapter's (RMA position). It's people like this who make things happen. Accordingly, I want to extend a sincere thanks to you for supporting their belief and commitment in RMA. From my perspective, a pat on the back is well deserved. Thanks, and, hopefully, I will see you at one of our meetings this year. Sincerely, Name RMA Title Chapter Name CC: Name of Volunteer 38 Certificate of Recognition of The Risk Management Association The Chapter 39 In appreciation of exemplary service hereby recognizes: _______________________________ On behalf of all Associates and in appreciation for leadership for the (year) RMA year as Chair of the ___________________ Chapter of RMA. ________________________ , Vice President Chapter _________________________________ , President Chapter Date: PRESIDENT PLAQUE ORDER FORM (Please type) Please fax completed order form to: 215-446-4262, Attn: Mary Ann Yurkonis (Your order will be forwarded to the order fulfillment company.) NAME OF CHAPTER: NAME OF RECIPIENT: YEAR (S) IN OFFICE: CHAPTER (i.e. 2005-2006) SEND PLAQUE TO: SEND BILL TO: (Please include functional title and telephone number) DATE NEEDED: PLEASE ALLOW 4 TO 6 WEEKS FOR DELIVERY OF YOUR PLAQUE PRICE $52.50. RMA PAYS FOR NORMAL S&H CHARGES ONLY. RUSH ORDER CHARGES ARE NOT COVERED BY RMA. ORDER FULLFILLMENT COMPANY: Joseph S. Vanelli MTM Recognition Inc. 405 West Germantown Pike Norristown, PA 19403 TEL # 610-277-1463 40 RMA Chapter Gifts W/RMA Logo 1. Crystal Striped Box - 24% full lead crystal box with press-molded stripe pattern that creates exceptional highlights and beauty. 3" H x 4 1/4" Deep. Deep etch RMA logo imprint. Individually boxed. Price: $38.50 each Silver Carriage Clock – Large lantern shape analog clock with storage compartment in front (clock door opens.) 4 5/8 x 2 3/8 x 2 3/8. Individually boxed. Price: $34.41 each Designer Desk Clock – Silvertone (durable non-tarnish plated surface) desk clock with contemporary look and classic elegance. Clock has alarm. Overall size: 3 7/8 x 2 ½ x ½. Individually boxed. Price: $32.42 each Solid Brass Money Clip (B50V)- Gold plated solid brass with heavy-duty steel clip to hold beautifully cast RMA logo medallion on clip. Individually boxed. Price: $5.75 each Millennium Leather Passport Travel Wallet - Black travel wallet has zippered closure and pocket for passport, tickets, travel documents and card and currency pockets. Size: 5 x 9 ¼ x ¾. Price: $25.30 each Carrington Bowl – Beautiful mouth-blown imported crystal graced with exquisite color and clarity. Perfect for snacks, candy, nuts, etc. Size: 3" H x 6" Dia. RMA logo lightly etched. Price: $19.80 each Tempered Glass Coffee Mug Set - Boiling hot or icy cold! These 13 oz. tempered glass mugs are versatile and durable. A unique alternative to a traditional design. RMA logo lightly etched on one side. Boxed as a set. Price: $16.00/set of 2 mugs Victorinox Swiss Army Knife - The original Swiss Army knife and international symbol of quality, ingenuity, and versatility. The "Bijou" Swiss Army knife features red 2 1/4" handle, cutting blade, scissors, nail file with screwdriver tip, toothpick, and tweezers. Hot-stamped RMA logo. Vinyl sheath and individual box. Price: $16.50 each Two Compartment Insulated Tote - Durable two-compartment denier nylon insulated tote is perfect for the beach, boat, or backyard. The top compartment with two-way wraparound zipper holds 12 - 12 oz. cans of your favorite beverage plus ice! Wraparound webbed handles with selfmaterial grip allow easy portability. Royal blue with white trim and RMA logo. Price: $14.00 each Heritage Canister – Lidded glass canisters in 22-ounce size. RMA logo lightly etched. Size: 5.5" H x 4"W. Price: $13.34 each Elegant style Silver Keyholders. Beautifully curved Star design. Overall size: 4 x 1 ¼ x 3/8. Price: $6.29 each Satin Silver Money Clip (782L) Price: $5.25 each Divot Repair Ball Marker w/Key ring (B162L) Price: $6.25 each 41 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. RMA Chapter Gifts with RMA Logo ORDER FORM SHIP TO: Name_______________________________________________________ Company___________________________________________________ Address_____________________________________________________ _____________________________________________________ City, State, Zip_______________________________________________ Phone_______________________________________________________ ITEM Crystal Box Brass Money Clip Tempered Glass Mug Set Swiss Army Knife Double Compartment Insulated Tote Silver Carriage Clock Designer Desk Clock Leather Passport Travel Wallet Carrington Bowl Heritage Canister Silver STAR Keyholder Satin Silver Money Clip Divot Repair Ball Marker QUANTITY COST TOTAL _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) 11) 12) 13) _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ ___ ___ Freight & Handling ____________________ Make check payable to MIR for this total: ____________________ Ordering Instructions: 1) Select desired merchandise and complete entire order form. 2) Make check payable to MIR for total amount. 3) Mail check and order form to: Marketing Incentive Resources, Inc. 1296 Helmo Avenue North St. Paul, MN 55128 Attn: Bob Johnson 4) For large orders of any single or multiple items, please contact Bob Johnson at Marketing Incentive Resources (651) 738-6563, or fax (651) 738-0244. 5) Please allow 3 - 4 weeks for delivery. 42 Chase & Sons Quality Service Since 1952 Tangible Advertising, Inc. For 2009 we are offering the following A. T. Cross items to RMA Members (Includes RMA Logo on Clip) Model No. Model Price Classic Century Series 3502 350105 3505 2502 250105 2505 2702 5702 2902 Lustrous Chrome PEN Lustrous Chrome Pen/Pencil SET Lustrous Chrome Rolen Ball Pen Classic Black PEN Classic Black Pen/Pencil SET Classic Black Roller Ball Pen Satin Blue w/Chrome PEN Satin Burgundy w/Chrome Penn Satin Back W/Chrome Pen $28.50 49.50 41.50 39.50 62.50 43.50 29.50 29.50 29.50 10K Gold Filled Classic 4503 450105 Gold Ballpoint Pen Gold Pen/Pencil Set 48.50 99.50 Medalist…w/Polished Gold Appointments 3302 330105 Polished Chrome PEN Polished Chrome Pen/Pencil SET 39.50 62.50 Adventura AT0152-1 AT0152-2 AT0152-3 Black Ballpoint Pen w/Silver Trim Blue Ballpoint Pen w/Silver Trim Red Ballpoint Pen w/Silver Trim 32.50 32.50 32.50 There is no minimum order quantity on any of these items. Additionally, ANY other Pen, Pencil, Pen/Pencil Set, or Desk Set manufactured by A. T. Cross is available with the RMA Logo (minimum order for items not listed above is 24 units). Please contact us for RMA-only special pricing on any item not listed above. Place your order: Chase & Sons 125 Argilla Road Andover, MA 01810 Phone: 978.475.8857 / Fax: 978.475.8858 / E-Mail: email@example.com 43 Chase & Sons Tangible Advertising, Inc. ORDER FORM RMA – 2009 Price $28.50 49.50 41.50 39.50 62.50 43.50 29.50 29.50 29.50 Total A. T. Cross Writing Instruments Classic Century Series Quantity Model No. 3502 350105 3505 2502 250105 2505 2702 5702 2902 Lustrous Chrome PEN Lustrous Chrome Pen/Pencil SET Lustrous Chrome Roller Ball PEN Classic Black PEN Classic Black Pen/Pencil SET Classic Black Roller Ball PEN Satin Blue w/Chrome PEN Satin Burgundy w/Chrome PEN Satin Black w/Chrome PEN 10K Gold Filled Classic Gold Ballpoint PEN Gold Pen/Pencil SET Medalist…w/Polished Gold Appointments Polished Chrome PEN Polished Chrome Pen/Pencil SET Adventura Black Ballpoint Pen w/Silver Trim Blue Ballpoint Pen w/Silver Trim Red Ballpoint Pen w/Silver Trim 4502 450105 48.50 99.50 3302 330105 39.50 62.50 AT0152-1 AT0152-2 AT0152-3 32.50 32.50 32.50 Authorized By______________________________ Need By:_______________P.O.No.____________ (date) (if required) Ship To:__________________________________ TOTAL To Order $ By Mail: _______________________________ _______________________________ _______________________________ State__________ Zip _____________ Tel. No.______________________________ Bill To:______________________________ _______________________________ ______________________________ ______________________________ State___________Zip_____________ Chase & Sons 125 Argilla Road Andover, MA 01810 978.475.8857 978.475.8858 firstname.lastname@example.com By Phone: By Fax: By E-Mail: You will be invoiced after your receipt of goods 44 Questions about Your Promotional Advertising Needs? Can't Decide What You Need? The answer is now at your fingertips. www.chaseandsonsadvertising.com TO: RMA Members and Chapters RMA only 20% Discount on ALL Promotional Items* Just go to www.chaseandsonsadvertising.com and peruse the over one quarter of a million different products, just a small sampling of the over four million products we can provide, personalized with your logo or slogan to meet your advertising, promotion, or reward needs. See something you like, but it's just not quite right? Contact us. Remember, these 250,000 plus products are just a sampling of what we can get for you! Search our site by price, by product type, or by whatever criteria you like. Also, if you wish, create your own private account in our "wish list" section, accessible only by you, where you can store items for future reference. Lastly, don't forget to take advantage of our $1,000 giveaway prize! Our site is designed to make your buying easier than ever! Remember, all prices noted are manufacturer's retail prices (they require us to do that). RMA Members and Chapters get an automatic 20% Discount off all prices noted, on all items, all the time,! This applies to RMA-logo items and any items with your company or institution logo or imprint as well! *Cross Pens excluded as RMA Price is specially negotiated w/Cross and reflects greater than 20% Discount already. Chase & Sons 125 Argilla Road Andover, MA 01810 Tangible Advertising, Inc. email@example.com Ph: 978.475.8857 Fax: 978.475.8858 45 GOLD MEDALLION AWARD An award designed for presentation by the chapters to recognize the outstanding achievements or contributions of local Associates who have volunteered time and talent to RMA. The cost of this 3"x5" award is $19.95. This includes the award itself (which the local unit personalizes with its name and the name of the recipient), a lucite display case, postage and handling. Possible recipients might include program and other committee chairpersons; outstanding committee members, newsletter editors; and other individuals who have done exemplary work for the chapter. To order, contact RMA's Customer Care Department at 1-800-677-7621. Provide them with the Product No. (61004) PLEASE NOTE THAT ALL GOLD MEDALLION AWARDS WILL USE THE WORDING CHAPTER. 46


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The Japanese have held three fundamentalist Presbyterian missionaries incommunicado in Manchukuo since Oct. 22. Protests by the U.S. State Department have failed even to elicit the charge against the missionaries. Four days after the arrest at Harbin, the Japanese hustled the trioDr. and Mrs. Roy M. Byram, the Rev. Bruce Hunt500 miles south to Antung, on the Korean border. Probable reason: to make them testify at the trial of the Korean Christians arrested for refusing to take part in State Shinto rites. Secondary reason: to frighten remaining U.S. missionaries out of Manchukuo.
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subset: commoncrawl


text: KALGOORLIE-BOULDER URBAN LANDCARE GROUP Better environment, better lifestyle…………. Communicate, educate, participate Supported by: City of Kalgoorlie-Boulder and the Kalgoorlie-Boulder Urban Landcare Group Kalgoorlie-Boulder's Weed Competition "WALLOP A WEED & BAG A BITER" Nasty caltrop prickles puncture feet, bike/pram tyres and shoes and are a problem for the adults, children and pets of Kalgoorlie-Boulder. • Caltrop needs temperatures above 30 degrees to germinate and moisture, hence the rapid germination after the December rainfall. This has resulted in a large number of caltrop plants in gardens, on road verges, parks, back alleys, etc. • The weed grows rapidly taking only 3 weeks to flower after germination and 10 days later can form new burrs. • If conditions remain moist, it will continue to seed indefinitely; so it is important that the weeds are removed as soon as they come up. Caltrop seeds can remain dormant in the soil for probably four to five years. Residents of Kalgoorlie-Boulder: Take action against weeds threatening our community, by removing and collecting local weeds, focussing on the nasty Caltrop. Start collecting TODAY WEIGH-IN, Sunday 27th February 4:00pm – 5:00pm Centennial Park, Carpark CATEGORY MAJOR PRIZES SPONSOR Frontier Tent (sleeps 6 people) KALGOORLIE CARAVAN & CAMPING COMMUNITY / & & SCHOOL GROUP $250 cash CITY OF KALGOORLIE-BOULDER FAMILY TEAC Home Theatre System DON JONES RETRAVISION ADULT-INDIVIDUAL Russell Hobbs Coffee Maker GOLDFIELDS BETTA ELECTRICAL CHILD-INDIVIDUAL Hitachi DVD Player HARVEY NORMAN ELECTRICAL Additional Prize Sponsors: BERGIES SOILS & FREERANGE CAMPING. All participants receive a free drink, sausage sizzle and native plant voucher/s. Competition Instructions 1. Find your fresh caltrops. Look in your front and back yard, along local streets & back lanes, check out local paths, etc Anywhere around Kalgoorlie with Caltrops. (Note: Weed pamphlets identifying Caltrops are available at the KBULG office and on the web site in the downloads section under Weeds pg 3) 2. Gather your equipment ie. Weeding fork, shovel, collection bags & the very essential gloves (caltrops are prickly little buggers). 3. Remove weeds (Make sure you collect ALL the seeds/prickles) Hand Pulling - Good after rain or a watering Gardening gloves are recommended if pulling weeds. It's best if all leaves and stems are taken hold of to pull - ensure complete removal of the plant (weeds can grow back if not completely removed). If weeds snap off at the base of the plant - a weeding folk or shovel might be more appropriate. Complete Plant Removal - For removing roots, plant material and seeds Use a weeding folk or shovel to dig up the entire plant. Ensure no seeds are left on the ground. 4. Bag & contain caltrops. All caltrops/weeds must be bagged so they cannot escape or leak. We recommend double bagging with a Poly-weave/synthetic bag and a garbage bag over the top. (Use plastic garbage bags to retain weight). 5. Transport to WEED WEIGH-IN Sunday, 27 February 2005 at 4pm in Centennial Park Carpark, Hannans Street. 6. ENJOY free sausage sizzle Between 4-5pm. 7. Final Judging Announcement & Prize-giving After weigh-in completed at approximately 5pm. KBULG reserves the right to make the final decision on prize allocations according to entries received on the day of judging.


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I received an unusual, last minute request to photograph donuts for a same-day publication. What was the rush? Today, June 6, 2014, is National Donut Day. Really (I never heard of it, either). The client wanted to seize the moment and be relevant to the confection-minded Googlers around the world.
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It's Getting Hot
Lunch is Served
Let Them Eat Cupcakes
Today's photoshoot was a tempting one—an online editorial food photoshoot with light, fluffy, and aromatic cupcakes. Two backgrounds were supplied: a simple, textured orange background and a red-orange Gingham cloth.
PARALLAX Submitted to Local Film Festivals
I'm serious about PARALLAX—I want as many people as possible to watch and learn from this movie. One way to get a wide audience is to expand beyond my boundaries so more eyes can see it, eyes that I would not be in front of, otherwise. That's where film festivals play a pivotal role.
I've submitted PARALLAX to two local film festivals so far. Each festival has its own marketing and audience, so I'll have the opportunity to show my movie to each. Their marketing is responsible for bringing in an audience, and that's where I benefit—they do the heavy lifting and I just have to deliver an engaging movie (self-promotion through my social media channels is still a good idea). The first festival I've submitted to is the NEC Communication Film Festival. This is their first-ever festival, so there's no way of knowing the quality of work they'll receive (and, consequently, what kind of competition PARALLAX will face).
The second festival is the Holywood Christian Film Festival of New York, which is in its third year. I've seen some of the work from previous festivals and believe the competition will be strong.
Both festivals are from faith-based institutions, so the experience may differ from other film festivals. The official "rules" prohibit certain subject matter and focus on morally-sound content, so there won't be any NSFW surprises.
I'm also looking forward to the festivals for the experience as a movie producer. I may have the opportunity to market my movie to interested parties, so my "elevator pitch" has to be impressive. There's so much to prepare for, and I'll be ready for it.
Introducing PARALLAX, My New Short Film
I recently completed work on one of my most ambitious projects to date—a short movie shot with two actors and one Production Assistant in a rented location in Brooklyn—and I'm delighted to finally show the world.
The emphasis is on finally because it's literally been years since we wrapped taping. Yes, taping. I taped PARALLAX in 2009 with the venerable HV20—a tape-based HD camcorder from Canon.
You can visit the official website at http://parallaxthemovie.com for downloadable pictures to share on your social networks, to watch the teasers, or to request any additional information.
Short Movie | PARALLAX (Teaser 2) from stillswordsandmotion on Vimeo.
Short Movie | PARALLAX (Teaser) from stillswordsandmotion on Vimeo.
PARALLAX will be entered into film festivals before being available for viewing online, so enjoy the teasers and downloads until then. Thanks for your patience.
Genre: Drama/Suspense
Director: Scott Hampton
Cast: Maria Redrick-Ward and Gregory Vilfranc
A naive young woman (Maria Redrick-Ward) with percolating passions is confronted with a sudden, unexpected visit from a mysterious, beguiling neighbor (Gregory Vilfranc) who identifies himself only as "The Dude from downstairs." What appears to be a chance encounter is revealed to be a pivotal moment of truth for her where one choice will make all the difference…in the world.
Based on the Biblical story of Eve's encounter with the devil, PARALLAX revisits the need for spiritual discernment and accountability in a day and age when libertine gratification is the norm. PARALLAX, a faith-based short film, is suitable for individual and family viewing.
Feel free to watch the teaser as often as you like. Embed it in your Facebook and Twitter pages. Blog about it. Tell others about it. Rate it with 5 stars. Make it viral. Show the world. Be my guest.
Camera Operator on "The Cyclone Variety Show"
I was called back to work as Camera Operator on The Cyclone Variety Show last week. Being called back to work on a production, out of the many Community Producers working out of BRIC's studios, is a good thing. It means my work and professionalism is appreciated.
It's imperative that you build a reputable name and image for yourself as a professional because producers, agents, and other managers don't want to work with unreliable crew members. Those crew members don't gain practical experience and fizzle away, frustrated.
This was my first session at the remodeled BRIC studio and it is a far more capable studio, equipped with better cameras, a robust control room, and a larger workspace. I felt at ease and was able to take command of my camera, despite the few technical hiccups that challenged the crew.


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The Roots of Government Failure: An Interview Recorded: Wednesday, November 30, 2011
William Shughart interviews Economist Randy T. Simmons, author of Beyond Politics: The Roots of Government Failure.
Experts: William F. Shughart II, Randy T. SimmonsType: Independent Institute TVIssues: Democracy, Economic History and Development (U.S.), Public Choice Theory
Hot Talk and Cold Science of Global Warming Recorded: Thursday, July 14, 2011
Part 1 | Part 2
Based on the latest research, renowned astrophysicist Fred Singer will separate fact from fiction in this raging global warming debate.
Experts: S. Fred Singer, David J. TherouxType: Independent Institute EventIssues: Environment
Randal Rucker Discuses the Resilience of Private Beekeeping on the John Batchelor Show Recorded: Thursday, June 30, 2011
Research Fellow Randal Rucker (co-author of Plowshares and Pork Barrels: The Political Economy of Agriculture) appeared on the John Batchelor Show to discuss the resilience of honeybees through private beekeeping in the face of colony collapse disorder.
Experts: Randal R. RuckerType: RadioIssues: Business, Environment, Labor and Employment, Science
Emily Skarbek on Call For More Oil Recorded: Thursday, May 19, 2011
Emily Skarbek, Director of the Center on Entrepreneurial Innovation at the Independent Institute, talks to Freedom Watchs Judge Napolitano about the need for more oil and how to go about getting it.
Experts: Emily C. SkarbekType: TelevisionIssues: Energy, Environment
Robert Higgs on the U.S. Governments Ethanol Scam Recorded: Saturday, May 14, 2011
Here is Independent Institute Senior Fellow Robert Higgs speaking on Ethanol Subsidies Have Many Bad Consequences, from the Mises Circle seminar, Agricultural Subsidies: Down on the D.C. Farm, held May 14th in Indianapolis.
Experts: Robert HiggsType: Other EventIssues: Agriculture, Energy, Environment, Government Waste/Pork


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What does FSK mean in Media?
This page is about the meanings of the acronym/abbreviation/shorthand FSK in the Community field in general and in the Media terminology in particular.
Find a translation for FSK in other languages:
Select another language:
Discuss this FSK abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"FSK." Abbreviations.com. STANDS4 LLC, 2015. Web. 4 Mar. 2015. <http://www.abbreviations.com/term/30520>.
FSK also stands for:
- Farming Systems Kenya
- Foil Scrim Kraft
- Forsvaret Spesial Kommando
- Fort Scott, Kansas USA
- Fräizäit Sport Kéinzeg
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This product has been discontinued
I was pretty excited when i found out my mom had bought this soap..but it really wasnt for me. Im guessing its more for the oily skin, because i have fairly dry skin. I loved the clean feelings after i used this, but even when i did use it, no moisturizer would get rid of that tight irritating feeling. My skin always felt dry too..oh well i guess ill have to try sommething else :0(
OH and it burned the crap out of my eyes, i couldnt see for like 10 min. i was afraid to open them lol
As with most bar soaps, this feels like it leaves a waxy residue behind on my skin. Love the fresh scent and lather, but I hate how my skin feels after using it. It does get my skin very clean (no residue or mu left on my toner pad after washing with this), but can't handle the after coating. It also makes my mostly oily skin feel dry and uncomfortably tight after use.
This soap smells wonderful. It's a very natural, fresh smell. My skin doesn't feel stripped, tight, or dried-out at all. It actually feels like maybe it leaves a slight film, but I think that's just because it doesn't strip all the oils out of my skin. I follow with the Garden Tomato toner (which also smells fabulous) and my skin feels amazing! It feels very clean and balanced - no greasiness, but no tightness either. Fantastic! Edit: I've started getting tons of tiny bumps under my skin! It appears that this skincare line just doesn't get my pores clean enough. I never had this problem with Clinique's system, so I guess it's time to go back.
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A good product. Not the best for my skin, but I do think it works very well and is a good, natural way to keep skin oil free and fresh. not my HG cleanser, but very good and very reasonably priced! i;d say definitely give it a go.
This cleanser does the job, removing makeup and leaving my face feeling quite clean, if a little tight. I had tried it in conjunction with the toner, trying to find a simple regimen that would help my acne-prone skin.
Well, this smelled wonderful, and was a pleasure to use, but did absolutely nothing to improve my skin. I might buy this product again, there was certainly nothing wrong with it. If all I was concerned with was smell, this would be an HG, but I'm really looking for a cleanser that will help with breakouts. It really smells like a garden of ripe tomatoes on the vine.
i like to tomato facial soap, it works well with my combination skin, it cost 3.95$ for a sample size in canada, after i finish this little sample, if my face like it down the road, i will buy the large size one.
Alright... so I thought Garden Tomato soap... UGH! But I was very pleasantly surprised. It cleaned my oily face really well, no breakouts and I love the smell. Some people said it left a film on their face. I didn't have that problem at all. It did a fantastic job of cleaning and clearing my acne prone skin. For a small soap, and using it every day it lasted a long time. I loved it!
did not work. my skin did not feel clean after using it, and it left a greasy film on my skin. will never buy it again.
I was excited to try this soap- but I was sorely disappointed. My skin is generally oily/combo. with a few small breakouts. I usually only get these on my face, but since using this soap on my back in the shower for a couple weeks I now have 3-4 pimples on my back and the skin is generally uneven. I wish it had worked, but unfortunately this is not the best product for oily/combo. or even, I assume, truly acne-prone skin. The packaging is good and the fragrance, though a bit strong, is also nice- but this cannot disguise a bad product!


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DEFINITION of 'Grantor Retained Annuity Trust - GRAT'
An estate planning technique that minimizes the tax liability existing when intergenerational transfers of estate assets occur. Under these plans, an irrevocable trust is created for a certain term or period of time. The individual establishing the trust pays a tax when the trust is established. Assets are placed under the trust and then an annuity is paid out every year. When the trust expires the beneficiary receives the assets tax free.
INVESTOPEDIA EXPLAINS 'Grantor Retained Annuity Trust - GRAT'
Under these plans, the annuity payments come from interest earned on the assets underlying the trust or as a percentage of the total value of the assets. If the individual who establishes the trust dies before the trust expires the assets become part of the taxable estate of the individual, and the beneficiary receives nothing.
Estate Tax
A tax levied on an heir's inherited portion of an estate if the ... -
Estate Planning
The collection of preparation tasks that serve to manage an individual's ... -
Taxable Estate
The total value of a deceased person's assets that are subject ... -
1. A seller of either call or put options who profits from the ... -
Irrevocable Trust
A trust that can't be modified or terminated without the permission ... -
Anybody who gains an advantage and/or profits from something. ...
Investing Basics
The Seasons Of An Investor's Life
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Options & Futures
Getting Started On Your Estate Plan
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Options & Futures
Your Will: Why You Need A Power Of Attorney And Beneficiaries
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Strategies To Build Your Retirement Portfolio
Retirement indexes are designed to estimate how much an investor would need to have saved today to generate annual income in retirement, starting at 65. -
Estate Planning Tips for Financial Advisors
Estate planning is not a set-it-and-forget-it proposition. Here are some tips for you and your clients. -
Personal Finance
What's an Irrevocable Trust?
In an irrevocable trust, the grantor gives up the right to revise, amend or terminate the trust without the permission of the beneficiary. An irrevocable trust is best used as an estate-planning ... -
What are Fixed-Income Securities?
For a fixed-income security, the periodic return on the investment is the same throughout the life of the security. Principal is returned at the time of maturity. The payment can be in the form ... -
Monthly Pension Or Lump-Sum: Which Is Better?
When a client is faced with the choice of a monthly pension or a lump-sum payment, which one is better? Here's a quick guide on how to decide. -
Immediate Annuities: What To Watch Out For
Immediate annuities can provide substantially higher monthly payouts than other fixed-income instruments, but also have some key limitations. -
Investing Basics
Guidance On Pairing Annuities, Target Date Funds
The Treasury and the IRS have issued new guidance on pairing annuities with target date funds. Here's a look.