Filed under: OCUS, Ohio, pictures | Tags: ohio credit union league, pictures, zenith
The upbeat mood of the attendees and sponsors of this year’s OCUL Zenith Convention inspired me. Last year, who could blame anyone for being negative. Good news did not abound. This year, however, hope seemed to bloom along with the trees in the beautiful spring weather. The economy seems to be on a slow upswing and credit union people are more optimistic than ever!
We were at the Cincinnati Convention Center.
This year, I gave two compliance sessions and we exhibited as well. Of course, just like in year’s past, I took some pictures of people who visited our booth.
Kim and Tammy from Credit Union of Ohio.
Jill from the league is all smiles.
Miranda from Port Conneaut Credit Union.
Robin from Taleris Credit Union and Dawn Pagon’s husband, Ron.
Jennifer and Kay from Sun Federal Credit Union.
The WWR team: Lauren Halton, John Porter, Dawn Pagon and Matt Young.
Believe it or not, this is the 4th Ohio Credit Union League convention I’ve covered here on TCUB. I started this blog in February of 2007. I hope the photography is getting a little better at least!
We exhibited at the OCUL Zenith Convention in Cleveland last Thursday and Friday. Here’s a picture of Dawn and Lauren at the booth.

The OCUL always runs a very professional show. Despite the economy, this year was no exception. The exhibit hall had great traffic the entire time and the special events were well attended.
A good credit union convention requires an enormous amount of time and the efforts of a lot of people to make happen. The OCUL should be commended for setting an example to follow for leagues across the country.
And I didn’t have to wear a costume for this one…
Filed under: humor, pictures | Tags: IL Credit Union League Convention, Picture

It’s that time of year again. It’s time for state credit union league conventions. This year, we exhibited for the first time at the Illinois League Convention in Chicago. Monette Cope from our Chicago Office and I were there last Thursday and Friday. The League had a 50′s theme and we dressed the part.
Our marketing department really likes using costumes. They have had me in antlers at Christmas and they even got one of my other partners to wear a bunny suit and jump out of a giant hat! So having me dress like a castmember from Grease and putting Monette in a poodle skirt isn’t really too surprising. In fact, I got off light. They could have had me wear the bunny suit while sitting in a dunk tank…
I have to hand it to the IL League. They put on a fine convention and were very friendly and helpful.
The following is an article reprinted with permission from the upcoming Summer 2008 edition of The WWR Letter:
Using Employee Pictures and Related Items Without Consent
By: A.J. Ober, Esquire
The rapid development and use of the Internet and high-speed communication devices such as BlackBerrys and camera phones over the past decade has given renewed rise to concerns regarding privacy rights. In an instant, a picture can be broadcasted around the globe, virtually unstoppable, and without consent from the pictured party. Due to the ever-increasing number of ways personal information can now be appropriated, individuals have grown more protective of personal attributes such as their name, picture or likeness.
How many times have you seen the candid pictures of a wise senior executive or a fresh-faced junior associate used in a company’s advertising campaigns? The people featured in those ads may be employees of the company and often are, since use of their pictures typically comes at little or no cost to the company. While this appears harmless enough, using these pictures may result in an actionable claim against the employer for a violation of privacy rights.
For instance, New York’s Civil Rights Law § 51 gives a plaintiff a right of action if his/her name, portrait, picture or voice is used for advertising or trade purposes without written consent. Virginia and Utah have also enacted laws, modeled after New York, which statutorily protect a person’s right to privacy. New York’s highest state court awarded damages for invasion of privacy when Defendant Chemical Bank photographed its employees and used the photos for advertising purposes. The Court cited § 51 and held that absent written consent from the employees, use of the photos was an invasion of privacy. See Caeser, et al. v. Chemical Bank, 66 N.Y. 2d 698 (1985).
A majority of states including Ohio, Pennsylvania, Michigan, Illinois and New Jersey have judicially recognized the right to privacy in case law. However, most states have not codified this right. Nevertheless, state court rulings across the country have been consistent with Restatement (2ND) of Torts § 652C, which provides “One who appropriates to his own use or benefit the name or likeness of another is subject to liability to the other for invasion of privacy.”
In one case, a New Jersey Plaintiff employed by Kodak gave Kodak permission to use his family photo in a publication on how to print pictures. Condecor, another company in the photo industry, copied the picture from Kodak’s publication and used it in picture frames and pricing catalogs. Condecor did not seek consent from the Plaintiff or Kodak and alleged that the use of the picture was incidental, and thus not an invasion of privacy. The Superior Court of New Jersey enforced the Plaintiff’s privacy right against Condecor and reasoned that the photo was used for trade purposes, as the photo was used inside frames that were offered for sale. The Court also noted that the Plaintiff’s consent to Kodak would not extend to Condecor since the Plaintiff did not contemplate Condecor’s use at the time consent was given to Kodak. See Faber v. Condecor, Inc., 477 A.2d 1289 (1984).
In another case, a Georgia man’s insurance company used his picture in a newspaper advertisement for life-insurance, without consent. Georgia’s Supreme Court held that publication of one’s picture without consent, in an advertisement, for the mere purpose of increasing the profits and gains of the advertiser is an invasion of privacy. See Pavesich v. New England Life Ins. Co., et al., 122 Ga. 190 (1905).
The Missouri Court of Appeals similarly protected one’s right to his/her picture. The picture of a five-year old boy was used by a jeweler to advertise his store and sell merchandise. The Court declared that one’s own picture is a property right of material profit and use without consent deprives one of their rights to property and privacy. See Munden v. P.S. Harris, et al., 153 Mo. App. 652 (1911).
Without question, courts have actively and unequivocally protected privacy rights when names, pictures, likenesses, etc. are used without consent. It should be noted that a Plaintiff is not required to allege nor prove actual damages to be awarded injunctive relief. If damages are proven, however, the majority of jurisdictions will also award both actual and punitive damages. Some courts have even gone so far as to order a public apology and/or retraction, which may prove costly to an employer.
In sum, an employer is best served by always obtaining written consent from an employee when using the employee’s name, picture, voice and/or likeness for marketing or advertising purposes. Lastly, the employer should be conscientious to obtain consent each time a picture or similar item is reused for a new or different purpose.
A.J. Ober is an Associate in the Legal Action Recovery department of the Philadelphia office. He can be reached at (215) 599-1500 or aober@weltman.com.
Filed under: branch opening, credit unions, links, marketing, pictures | Tags: "credit union", building, coffeehouse, financial services, innovation
I spent some time on Tuesday with Dan Cwalina from Lormet Community Federal Credit Union. Lormet is about to open its new main office and I wanted to share some pictures I took and comment a bit on what this credit union is doing. Lormet began its existence in the 1930s as a steelworker credit union. Today it has assets of over $100 million and serves all of Lorain County, Ohio.

The new Lormet building has a large lobby, which is perfect for displaying automobiles from local dealers.

There’s a comfortable waiting area and enclosed loan section. The space is well thought out and designed. Members will always be dealing with credit union staff as they transact business. In a day of ever increasing automation, this is definitely a different approach.

The boardroom is very tasteful and modern.

There are training rooms that seat enough people to have educational seminars. Dan and I talked about setting up something where I might do a presentation later this year. At this point we just have to pick a topic.
The part of the building that’s generating the most attention is the coffeehouse. Arabica has a location inside Lormet’s building.

Members will be able to get coffee and spend time in this area in addition to doing their banking.

I had previously used this as an example on Current Issues in Credit Unions as a progressive way to bring people into the credit union. Here we will see it put into practice.
It takes courage to open up a credit union like this and embrace ideas of using the credit union’s physical structure as a resource beyond mere banking. I’m impressed by what Dan and his team have done and I can only imagine a favorable result for Lormet in terms of increased membership and demand for member services.

Filed under: credit unions, disaster recovery, opinion, PCUA, pictures | Tags: convention, PCUA, Randy Gilson, Union Station
I’m back from Pittsburgh where we exhibited at the PCUA convention. Here is a picture of Ben Bibler and Dawn Pagon at the booth.

If you remember walking through the exhibition hall and seeing a guy in a suit juggling periodically, that was me. We exhibited on Thursday and Friday and I stayed through Saturday. On Saturday, I gave two 90-minute Disaster Recovery presentations. These seemed to be well received.
I have to say, that I enjoyed staying at the Westin Convention Center. I had a nice view of Union Station outside my hotel window. Here’s a picture.

My partner at our law firm, Jim Valecko, has a picture of what Union Station looked like when it was still being used primarily as a train station. It is much cleaner now, in fact it is quite beautiful.
I also have to mention that it was a pleasure meeting Randy Gilson. Mr. Gilson is a waiter at one of the restaurants at the Westin. However he is also a one-man urban renewal project. He has created Randyland which is his vision of reusing and recycling and revitalizing part of the city. He impressed me as an energetic and rather extraordinary individual.
It is always great to work with the PCUA and this trip turned out to be no exception.
Filed under: credit unions, marketing, OCUS, pictures, vendors | Tags: convention, credit unions, OCUS, Ohio
I can’t believe that a year has gone by since the last OCUS convention. Just like last year, I have some pictures to share with you.





Again I cannot say enough about the value that OCUS gives to Ohio credit unions. It is a privilege to work with OCUS throughout the year and is a real pleasure to exhibit at their convention. Special thanks this year to my karaoke partner, Valerie Edgington, at the Corporate One Credit Union party.
Last week, our firm exhibited our booth at the OCUS annual convention. The OCUS staff are masters of organization. The entire event went without a hitch. I thought I would share some pictures from the exhibition hall with you.
This is Jack Day, Al Reis and Dawn Pagon from WWR manning the booth:

Here’s John from Best Employees Federal Credit Union:

Here’s Dawn with Tam from St. Charles Borromeo Federal Credit Union:

Here is Debby from Brewster Federal Credit Union and Robin from Taleris Credit Union:

Mike from Associated School Employees Credit Union, and Paula and Jennifer from Sun Federal Credit Union enjoyed the convention:

And finally, Dawn and your humble blogger who can’t keep his eyes open for a picture:

Honestly, I don’t think people appreciate what the OCUS has to do to put on a show of this size. Getting the space together, assembling relevant and worthwhile educational sessions and coordinating vendors and sponsors is a huge production. Making registration work is, in and of itself, no small feat. This is not to mention booking the entertainment for two nights. The people that make up the OCUS managed all of this in such a way that felt seamless to me as a vendor participant. As far as I could see, there were no glitches; all the credit union people I talked to enjoyed themselves while getting real value from the education sessions.
The OCUS puts on, in my opinion, one of the best conventions in the country. I am very happy to have been a part of it.








