WESTERN EUROPEAN COAST CREDIT UNION EDUCATIONAL CRUISE CONFERENCE SEPTEMBER 13 – 23, 2015 Presented By CU Conferences® – The Original Credit Union Educational Cruise Conference Provider Includes Exciting, New Cruise Conference Ports! TO BE YOUR BEST YOU MUST LEARN FROM THE BEST AND MINGLE WITH THE BEST! ENJOY A 10–DAY WESTERN EUROPE COASTAL ADVENTURE Cruise Aboard Holland America’s ms Ryndam To Porto And Lisbon, Portugal; Seville, Almeria, Cartagena And Palma de Mallorca, Spain Plus Gibraltar & More! UP-TO-DATE INFORMATION Experienced & Entertaining Pros Guide You Through An Exploration Of The Issues Facing Your Credit Union In The 21st Century. VALUABLE NETWORKING OPPORTUNITIES Share Ideas With Your Credit Union Peers From Across The Country & “The Ones In Red.” BOOK EARLY FOR THE BEST CABIN SELECTION & THE GREATEST SAVINGS! CU CONFERENCES® Visit Colorful Cities In Portugal Relax On The Beautiful Coastal Beaches View The Breathtaking Rock Of Gibraltar Experience The Art & Architecture Of Spain ly e v i s u l c x e Educating The Credit Union Community V Since 1979 WESTERN EUROPEAN COAST CREDIT UNION EDUCATIONAL CRUISE CONFERENCE ◆ TO BE YOUR BEST YOU MUST LEARN FROM THE BEST AND MINGLE WITH THE BEST! ◆ ABOUT THIS EDUCATIONAL CONFERENCE 2015 ITINERARY ◆ ◆ Cruise The Western European Coast While Exploring Up-To-The-Minute Topics With Two Experienced Pros ◆ Our Members Aren’t Borrowing . . . Or Are They? ◆ U.S. Economic Outlook & its Impact On Credit Unions ◆ Strategic Positioning ◆ Business And Community Development ◆ An Eyes-Wide-Open Approach To Insurance Distribution Models ◆ Management Override – Controls That Board Members Need To Make Sure Are In Place ◆ How To Build Effective Boards And Supervisory Committees ◆ Financial Literacy & BSA Training Allowance For Loan Losses ◆ 100 Tough Questions For Directors ◆ And Much More! Bill Farley, CCUE Sales Manager– Select Sales CUNA Mutual Group Sunday, September 13, 2015 Rotterdam, The Netherlands Monday, September 14 And Tuesday, September 15, 2015 At Sea Wednesday, September 16, 2015 Leixoes (Porto), Portugal Jerry Tenbrink CPA J. Tenbrink & Associates Thursday, September 17, 2015 Lisbon, Portugal Friday, September 18, 2015 Cadiz (Seville) Spain Western European Coast Credit Union Educational Cruise Conference Includes: Saturday, September 19, 2015 ◆ ◆ 10–Night Cruise Aboard Holland America’s ms Ryndam All Educational Sessions, Workshops & Materials Sunday, September 20, 2015 ◆ ◆ Complete Shipboard Facilities All Onboard Meals Monday, September 21, 2015 ◆ ◆ World-Class Entertainment Private Cocktail/Networking Reception With Your Peers From Across The Country And . . . “The Ones In Red” Tuesday, September 22, 2015 Gibraltar, British Territory Almeria, Spain Cartagena, Spain Palma de Mallorca Spain Wednesday, September 23, 2015 Barcelona, Spain CU Follow Us On: CONFERENCES® #cuconferences The Original Credit Union Educational Cruise Conference Providers For Pre- Or Post-Cruise Hotel Accommodations, Call Jill Donati At Altair Travel & Cruises: 800-880-0055 ENJOY A 10–DAY UNFORGETTABLE WESTERN EUROPEAN COAST CRUISE – Aboard Holland America’s ms Ryndam CU CONFERENCES® CU CONFERENCES® PRESENTS HIGH-QUALITY CREDIT UNION EDUCATIONAL CRUISE CONFERENCES ABOARD INNOVATIVE CRUISE SHIPS COMMITTED TO EXCELLENCE IN DESIGN & SERVICE. ◆ ◆ PORTS OF CALL ◆ Rotterdam, The Netherlands – Often called the gateway to Europe, the port city of Rotterdam is full of old-world charm, amazing views, a maze of wharves & canals and towering spires. Check out Kijk-Kubus, a whimsical upside-down house. Leixoes (Porto), Portugal – The twisting ancient streets lead to the prominent Torre dos Clerigos, a baroque tower, a Romanesque cathedral and the unique two-storied Dom Luis Bridge. Sample the region’s famous port wine in a variety of tasting rooms and enjoy the ambience of the charming Ribeira district, one of the oldest in Porto. Lisbon, Portugal – Situated on a wide bay where the Tagus River meets the Atlantic, the white facades of its ancient neighborhoods lead uphill to the iconic Castelo de São Jorge. Visit the World Heritage Sites of Belém Tower and Jerónimos Monastery, both built in Lisbon’s native Manueline architectural style. Cadiz (Seville), Spain – In the very heart of Andalusian culture, Seville is the center of bullfighting and Flamenco music. Walk the narrow lanes to the Plaza de Espana, or stroll through the halls of the Museo de Bellas Artes. Don’t forget to stop for tasty tapas. Gibraltar, British Territory – Jutting off the southern end of the Iberia Peninsula, the dominant feature is a 1,398foot-high, cave-riddled mass of limestone. The upper slopes are covered in olive, pine and bouquets of the Gibraltar candytuft and the Barbary apes (macaques, really) can be seen playfully cavorting about. Almeria, Spain – The city lies at the foot of a monstrous mountain range with Alcazaba at its peak. Wander the streets and find displays of unique street art or experience the reefs, dunes, and salt pond in Cabo deGata-Nijar Natural Park. Visit Monsul beach where the long black sand lava beaches were used as a backdrop for the filming of Indiana Jones. Cartagena, Spain – Located in the southeast of Spain on the Mediterranean Sea, this seaport town is walled, the harbor defended by forts, Roman ruins are scattered throughout and is rich in ancient and maritime history. Palma de Mallorca, Spain – Majorca, the largest island of the Balearic archipelago, is known for spectacular, warm & sunny beaches. In the capital city of Palma de Majorca, you’ll find the historical city centre of the island, with stunning and impressive buildings dating back to Roman and Muslim civilizations, narrow streets and quiet courtyards, and the famous cathedral La Seo. Barcelona, Spain – The city is a global capital of commerce, fashion, culture, and sunshine (the city gets about 300 days of it a year). Walk down Las Ramblas – the glorious tree-shaded thoroughfare at the heart of the city, enjoy one of the city’s sandy beaches or visit visionary architect Antoni Gaudi’s La Sagrada Familia, the Park Guell, and Casa Mila. CRUISE SHIP ACCOMMODATIONS ◆ Cruise aboard ms Ryndam, a spacious mid-size ship where you will encounter elegance at every turn – from a string quartet serenade in the splendid Rotterdam Dining Room to the two-deck Vermeer Show Lounge featuring the very best in entertainment. Luxuriously appointed and uniquely refined, Holland America Line’s ms Ryndam combines classic cruise ship features and state-of-the-art amenities with gourmet cuisine, museum-quality art, spacious accommodations and sophisticated ambiance. Register Early For Best Cabin Selection! CABIN CATEGORY K – Inside DA – Oceanview BA – Vista Suite PARTICIPANT* SPOUSE/GUEST* (1st Person) (2nd Person) $3795 $1195 4495 5995 1295 1995 *Rates based on double occupancy. For single, third & fourth person rates call Jill Donati at 800-880-0055. Rates do not include taxes & fees of $465.83 per person (All taxes & fees are subject to change). ◆ BOOKING INSTRUCTIONS ◆ Register Early For Greatest Savings! BOOK BY JANUARY 30, 2015 – Save $100 Per Person JANUARY 31 – MAY 1, 2015 – Save $50 Per Person You may request a reservation form from Altair Travel or register online at www.cuconferences.com. A deposit of $1200 per person must accompany the reservation form in order to hold the category requested. In order to feel safe and secure when you travel, travel insurance is now mandatory for CUC Cruises and is included in the required deposit. Details on complete insurance coverage will be mailed with your documents. Prices do not include airfare, taxes or insurance and are based on double occupancy. Triple and quad cabins are based on availability. Inquire for rates and book early. Gratuity Policy: A per guest/per day dining & stateroom services gratuity will be automatically charged to your onboard stateroom account. Altair Travel & Cruises Travel Consultants/Domestic & International 2025 South Brentwood Blvd., St. Louis, MO 63144 Toll-free: 800-880-0055 Fax: 888-213-1465 Ask for Jill Donati or email her at [email protected] PLEASE NOTE: ◆ Credit Cards ARE NOT accepted for payment. PASSPORT REQUIRED ◆ Registration CANNOT be confirmed until a $1200 PER PERSON deposit is received. ◆ U.S. and Canadian citizens MUST carry a valid passport with a validity date of 6 months beyond travel date. TERMS & CONDITIONS – Please Read The Terms & Conditions And Complete ALL Applicable Spaces On Registration Form. CANCELLATION POLICY:* ◆ ◆ ◆ ◆ ◆ ◆ Cancellations made on or before January 30, 2015 will receive a complete refund less a $200 per person Administrative Fee. Cancellations made January 31, 2015 through February 28, 2015 will be assessed $200 per person plus Administrative Fee and non-refundable insurance. Cancellations made March 1 through April 28, 2015 will be assessed $600 per person plus Administrative Fee and non-refundable insurance. Cancellations made April 29 through May 19, 2015 will be assessed 50% of cruise per person including airfare, hotel and package charges plus Administrative Fee and non-refundable insurance. Cancellations made May 20 through June 29, 2015 will be assessed 75% of the total cost* per person including airfare, hotel and package charges plus Administrative Fee and non-refundable insurance. Cancellations received after June 29, 2015 will be assessed a 100% cancellation fee per person including airfare, hotel, and package charges. This also applies to “no shows.” TRAVEL INSURANCE (continued): DOCUMENTS: All documentation including invoices information includes coverage for Trip Cancellation and Interruption for Select Covered Reasons; Missed Connection; Travel Delay; Baggage Delay; Emergency Medical Transportation plus Medical Expenses, plus other coverage as offered by the insurance company. Details on the complete insurance package will be mailed to you with your documents. Insurance premiums are non-refundable/non-transferable and are included in the required deposit. The insurance premium is dependent on total trip cost (cruise, air, taxes, etc.). Therefore the premium may increase if optional land packages, cabin upgrades or other items affecting total package price are added. packets, etc will be sent to your credit union. Requests to have documents mailed directly to your home must be emailed with current home address to [email protected]. AIR: Airfare is not included as part of the package, however Altair Travel can make flight arrangements for you and add it to your package. Altair Travel will charge a service fee for all airline tickets issued by them. Airfares are based on capacity controls and fares can be discontinued at any time, therefore airfares cannot be guaranteed until ticketed. Payment is required at time of ticketing. Most airfares are non-refundable with penalties involved for changes. Name changes are not allowed once tickets are issued. Due to flight schedules and/or availability, it may be necessary for passengers to overnight either before or after the cruise. Hotel accommodations and transfers will be at the passenger’s expense. All cancellations must be received in writing, as well as by phone, by Altair Travel, 800-880-0055. AIRPORT/SHIP TRANSFERS**: Please Note: MOST AIRLINE TICKETS ARE NON-REFUNDABLE FARES FROM DAY OF PURCHASE. CRUISE CONFERENCE ARRIVALS: – Transfer from Amsterdam Airport to Port is $60 per person. Please Note: If arriving the day of sailing, September 13, 2015 into Amsterdam your flight must arrive no later than 11 a.m. – Flying into Rotterdam Airport is also an option. Holland America does not provide transfer from Rotterdam Airport however Altair Travel can arrange private transfers for you. CHANGE CHARGES: Any changes made after May 20, 2015 will be subject to fees imposed by Holland America, airlines, and hotels involved in your package. Note About Name Changes: It is at the discretion of the cruise line if name changes will be allowed. Changes will be charged a change fee determined by the cruise line plus additional fees for ticketing and mailing. Name changes may result in recalculation of fare at current rates. Name changes are not allowed on airline tickets once issued. CRUISE CONFERENCE DEPARTURE: – Transfer from Barcelona port on September 23, 2015 to airport is $39 per person. Please Note: On September 23 you can book a departing flight out of Barcelona 11:30 a.m. or later. CONFERENCE RATE: The conference rate includes a 10 night ** AIRPORT TO PORT TRANSFERS ARE VALID cruise and conference fees. These rates are not combinable with any other Holland America promotional offer, certificate, voucher or past passenger specials as they are negotiated contracted rates. ON DAYS OF SAILING ONLY. TRAVEL INSURANCE: Travel insurance is now mandatory for Credit Union Conference Cruises and must be paid with deposit. Travelex offers the most comprehensive package which DEPOSIT: $1200.00 PER PERSON deposit is required. A completed reservation form along with the required deposit must be sent in order to register. Faxed reservation forms are not accepted. The non-refundable insurance premium is included in the deposit. FINAL PAYMENT: Final Payment Is Due May 20, 2015 Port charges, government taxes, and fees are $465.83 per person and will be added to your final invoice. All taxes & fees are subject to increase. PASSPORT REQUIRED PROOF OF CITIZENSHIP: U.S. and Canadian Citizens MUST Carry A Valid Passport With A Validity Date Of 6 Months Beyond Your Travel Date. Please ensure that the full name given on the conference reservation form is your legal name (no nicknames or abbreviations) as your cruise and air ticket must match passport. DISCLAIMER OF LIABILITY: Credit Union Conferences and Altair Travel hereafter referred to as the Sponsor and the Agent, act as a mere agent for suppliers in selling travel related services, that are not directly supplied by the Sponsor or the Agent. Therefore, they shall not be responsible for breach of contract or any actions or omissions on part of such suppliers, which result in any loss, damage, delay or injury to you or your travel companions or group members. Sponsor and Agent do not guarantee any such suppliers rates, bookings, reservations, connections, scheduling, or handling of personal effects. Sponsor and Agent shall not be responsible for any injuries, damages, or losses caused to any traveler in connection with terrorist activities, social or labor unrest, mechanical or construction failures or difficulties, diseases, local laws, climatic conditions, criminal acts or abnormal conditions or developments, or any other actions, omissions, or any other conditions outside the Sponsor or Agent’s control including cancellations or delays caused by invalid passports, visas or other required travel documents. The responsibility of Holland America is governed by the passenger contract on your cruise ticket. Payment of cost constitutes an automatic consent to the above and all clauses. A Signature of Excellence SPECIAL NOTES: ◆ Any special requests will be forwarded on to the cruise line; however these are requests only and cannot be guaranteed. ◆ Credit cards are NOT accepted for payment. ◆ Registration can NOT be confirmed until deposit is received. CU Conferences ® – The Original Credit Union Educational Cruise Conference Providers WESTERN EUROPEAN COAST CREDIT UNION EDUCATIONAL CRUISE CONFERENCE CREDIT UNION EDUCATIONAL CRUISE CONFERENCE u SEPTEMBER 13 – 23, 2015 Follow Us On: Aboard Holland America’s ms Ryndam Full Legal Name (as listed on Passport) Citizenship: CU CONFERENCES® ❑ U.S. ❑ Other (please specify) : Date of Birth Cruise Ship Cabin Category: (Cabins MUST Be Booked With Altair Travel & Cruises) Title Nickname for Badge 1st Choice: Airfare Options: ❑ Home Address (required) City ( State Zip Code ) Home Phone Number Citizenship: ❑ U.S. Nickname for Badge ❑ Other (please specify) : Date of Birth Credit Union Name Airport Transfers:* q Yes q No ❑ E-mail Address Sharing Cabin With Book My Airfare From: (city) _____________________ Asset Size Dining Selections: (non-smoking only) Check One Seating Option: ❑ 1st Seating (5:45 p.m.) I Will Book My Own Airfare Airport Transfers:* q Yes q No *Available On Cruise Days Only Special Requests And Special Needs (MUST Be Made At Time Of Booking) : 2nd Choice: Table Size: ❑ 4 ❑ 6 ❑ 8 ❑ 10 Seat Us With:_________________________________ ___________________________________________ q Open Seating (dine anytime between 5:30 p.m. – 9 p.m.) Mail Registration and Deposits to: Credit Union Contact Altair Travel & Cruises Credit Union Address (No P.O. Box) Please Note: u Travel Consultants/Domestic & International 2025 S. Brentwood Blvd., St. Louis, MO 63144 City ( State ) Preferred Daytime Phone Number E-mail Address ❑ 2nd Seating (8:00 p.m.) ( Zip Code ) u Toll-free: 800–880–0055 Fax Phone Number Please ask for Jill Donati q Credit Union q Home Fax: 888–213–1465 [email protected] u u A $1200 per person deposit Must be included with this form to hold the category requested. Faxed requests to hold cabins are no longer accepted. Credit Cards are Not Accepted For Payment Registration Can Not be confirmed until deposit is received.