How to Look Like a Healthy Borrower

Frequently Asked Questions

February 2013

Healthy Borrower Webinar Frequently Asked Questions

© 2013 ECCU. All Rights Reserved. Page 1 of 9

Table of Contents Overview 2

General Information 2 When is this webinar? 2 What is this webinar about? 2 What can I expect to learn by attending this webinar? 2 Who should attend this webinar? 2 Who are the presenters for this webinar? 2 How much does it cost to attend this webinar? 3 Will there be simulcast luncheons available for this webinar? 3 How can I register for this webinar? 3 How do I join the webinar on February 21, 2013? 3 Do I need a GoToWebinar account to attend this webinar? 3 Will the webinar recording—and any other resources mentioned during the webinar— be available after the live presentation? 3

System Requirements and Settings 4 What are the system requirements for attending this webinar? 4 Can I view presentations in full-screen format? 4 Can I attend this webinar using an Android device? 4 Is there a limit to how many people or ministries can register for this webinar? 4

Technical Difficulties 5 Are you having trouble joining our webinar? 5 Is your browser crashing or freezing? 5 My firewall is blocking the GoToWebinar download. Is there a safe way for me to join the webinar? 6 Can your installer not locate a suitable folder? 6 Are you receiving a “Connection Failed” error? 7 Is your access code not being accepted? 8

Audio Issues 9 What does it mean when both telephone and VoIP are enabled? 9 Are you experiencing audio issues? 9

Healthy Borrower Webinar Frequently Asked Questions

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Overview Thank you for your interest in attending ECCU’s webinar, How to Look Like a Healthy Borrower. This document outlines some of common webinar questions we’ve been asked, like how to join the webinar or what to do when technical difficulties are encountered. In addition to the responses provided below, here are two other troubleshooting resources: GoToWebinar Attendee Quick Reference Guide or GoToWebinar Macintosh®-Based Attendee Quick Reference Guide General Information When is this webinar? Thursday, February 21, 2013, from 10:00 to 11:00 a.m. (Pacific Time) What is this webinar about? This webinar will help ministry leaders prepare for future financing by providing a historical perspective on commercial lending, showing how this perspective shaped today’s market, and explaining the criteria a ministry must meet to qualify for financing today. What can I expect to learn by attending this webinar? By attending this free webinar, you can expect to learn:

Why and how commercial lending requirements became more stringent Key metrics for evaluating the financial health of your ministry The criteria commercial lenders use to evaluate creditworthiness today

Who should attend this webinar?

• Senior and executive pastors • Presidents and chief financial officers • Business administrators • Other financial decision makers

Who are the presenters for this webinar? Don Hughes, Regional Director, ECCU Don has 28 years of credit/finance experience with several large financial institutions, with over 12 years in special asset management, working to develop solutions for non-performing and under-performing loans. His professional background includes all aspects of commercial real estate secured lending, including ministry, income property, and construction financing. Jeremy Moore, Regional Director, ECCU Jeremy specializes in creation and implementation of ministry financial strategies. His professional background includes positions as certified financial manager at Merrill Lynch and senior vice president of commercial banking at one of the nation’s largest banks.

Healthy Borrower Webinar Frequently Asked Questions

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Mike Boblit, Regional Director, ECCU Mike leads an ECCU team that serves ministries’ financial needs across the country. His previous roles included consulting and pioneering financial service solutions for larger ministries. His professional background includes sales/management positions with Fortune 500 companies such as Eastman Kodak and Sybase, Inc. How much does it cost to attend this webinar? There is no cost for attending this webinar; it’s free. Will there be simulcast luncheons available for this webinar? At this time, there are no simulcast luncheons available for this webinar. How can I register for this webinar? To register, go to www.eccu.org/healthyborrower. Once you’re on this web page, answer the questions at the bottom of the page and press “Register Now.” After registering, you’ll receive a confirmation email that contains all the information needed to join the webinar on February 21, 2013. How do I join the webinar on February 21, 2013? Here are three options for how to join the webinar on February 21, 2013:

1. Click the link in your confirmation or reminder email. (These emails are automatically sent to you after your register for the webinar at www.eccu.org/healthyborrower.)

2. Go to www.joinwebinar.com. Enter your email address and 939-621-798 as the Webinar ID and click “Continue.” If you are prompted to accept a download, click “Yes” or “Always” (or “Trust” on a Mac®).

3. Go to www.gotowebinar.com and click the “Join a Webinar.” Enter your email address and 939-621-798 as the Webinar ID and click “Continue.” If you are prompted to accept a download, click “Yes” or “Always” (or “Trust” on a Mac®).

Do I need a GoToWebinar account to attend this webinar? You do not need a GoToWebinar account to attend this webinar. You are attending this webinar as a guest of ECCU, and there is no obligation to buy or sign up for a free trial. Will the webinar recording—and any other resources mentioned during the webinar—be available after the live presentation? Yes. Everyone who received an email invitation to attend this webinar will also receive an email notification that contains a direct link to the recording and additional resources. If you do not receive this email notification, visit www.eccu.org/healthyborrower after February 22, 2013, to access these resources.

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System Requirements and Settings What are the system requirements for attending this webinar?

On a PC: • Internet Explorer® 7.0 or newer, Mozilla® Firefox® 3.0 or newer, or Google™ Chrome™ 5.0

or newer (with JavaScript™ and Java™ enabled) • Windows® 7, Vista, XP, or 2003 server • Cable modem, DSL, or better Internet connection • Dual-core 2.4GHz CPU or faster with 2GB of RAM (recommended)

On a Mac®: • Safari™ 3.0 or newer, Firefox® 3.0 or newer, or Google™ Chrome™ 5.0 or newer (with

JavaScript™ and Java™ enabled) • Mac OS® X 10.5 – Leopard® or newer • Intel processor (1GB of RAM or better recommended) • Cable modem, DSL, or better Internet connection

Participants wishing to connect to audio using VoIP will need a fast Internet connection, a microphone, and speakers. (A USB headset is also recommended.)

Can I view presentations in full-screen format? Yes. From the Attendee Control Panel in GoToWebinar, click the “View” menu button and select the full screen option or from the Attendee Grab Tab (on the side of the Control Panel), click the “View” button to toggle between full screen and window viewing. Can I attend this webinar using an Android device? At this time, this feature is not available for GoToWebinar sessions. Is there a limit to how many people or ministries can register for this webinar? Yes. At this time up to 500 registrations are available for this webinar.

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Technical Difficulties Are you having trouble joining our webinar? If you’re running into problems when trying to join our webinar, we highly recommend that you install the latest version of Java™. To install the latest version of Java™, visit Free Java Download. Many common issues can be easily resolved by updating or installing the latest version of Java™. It is also possible that we may be experiencing technical problems that are preventing us from broadcasting the webinar as initially scheduled. If this is the case—and we are unable to broadcast the webinar within 15 minutes of the designated start time—we will conduct and record the webinar and will post the recording on our webinar resources page within a few days. The web address to access this page is www.eccu.org/healthyborrower. In addition, all registered webinar attendees will receive an email notification from ECCU on the same day of the initially scheduled webinar. This email will contain a direct link to the presentation slides and other related resources. A separate email will be sent as soon as the recording is available. Is your browser crashing or freezing? If you’re trying to join our webinar and either your browser crashes or you see the error message below, we recommend uninstalling your old version of Java™ and reinstalling a newer version of Java™. Uninstalling an older version of Java is optional but highly recommended for security reasons. For more information about this recommendation, please read Why should I remove older versions of Java form my system?

Here are steps for uninstalling or installing Java™ on your PC:

1. To uninstall Java™ on your PC, visit How do I uninstall Java on my Windows computer? and follow the directions.

2. To install the latest version of Java™, visit Free Java Download.

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My firewall is blocking the GoToWebinar download. Is there a safe way for me to join the webinar? If your personal firewall (e.g., ZoneAlarm® or Norton Personal Firewall™) is blocking GoToWebinar, select the option in your firewall program that allows GoToWebinar to access the Internet by:

1. Selecting the check-box to remember your answer for each time you use this program. 2. Clicking “Yes” to enable GoToWebinar to access the Internet.

If you are in a corporate or network security environment, you may have a hardware firewall. Please provide the document found at http://www.citrixonline.com/iprange to your IT department so they can allow GoToWebinar to connect. If a connection still cannot be established, please call GoToWebinar’s Customer Care team for assistance at 800.263.6317 or 805.617.7000. Can your installer not locate a suitable folder?

If you are trying to join the webinar from a PC and you see the error message, “The installer could not locate a suitable folder to install into,” try any of the following workarounds:

For Windows® XP:

• Install the latest version of Java™ by visiting Free Java Download. • Use a different browser. For example, if you’re using Internet Explorer®, try using a

different browser like Mozilla® Firefox® or Google® Chrome. For Windows® Vista or 7:

In rare cases, GoToWebinar may not install correctly if the Windows Secondary Logon Service is disabled. Follow these steps to enable this service:

1. Click the Windows® Start button on your desktop. 2. Type “services.msc” in the search field and select the “services.msc” option from the search

results.

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3. Scroll down and find “Secondary Logon” from the list, then right-click on “Secondary Logon,” and select “Properties.”

4. From the Secondary Logon Properties dialog window, select “Automatic” from the “Startup

type” drop-down menu. Next, click “Apply” and then click “OK.”

5. From the Services window, right-click the “Secondary Logon” option again, and then click

“Start.”

6. Lastly, restart your PC. You should now be able to install GoToWebinar!

Are you receiving a “Connection Failed” error?

If GoToWebinar launches but you receive a “Connection Failed” error, this could mean that you have a poor Internet connection or that you have security software on your PC that’s blocking you from downloading GoToWebinar. The following table summarizes how you can respond to various types of connection errors: Error Received Suggestions for Resolving Error

Security Firewall If you have security software on your PC that’s preventing you from launching GoToWebinar, visit Using GoToMeeting with a Firewall for help with configuring your firewall to allow GoToWebinar to launch.

Internet Connection First, check to see if your Internet connection is down. If that is not the case, check out the GoToWebinar System Requirements for

Healthy Borrower Webinar Frequently Asked Questions

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Error Received Suggestions for Resolving Error information on what type of Internet connection is required to join this webinar. (Please note: Satellite, dial-up, and other non-broadband Internet connections do not meet GoToWebinar’s system requirements.)

Firewall If you’re using GoToWebinar in a corporate or network security environment, try running the GoToMeeting Connection Wizard to determine the ideal connection settings for your protected network.

Network Security Restriction

If you’re prompted to authenticate for Internet access, your network administrator may have placed restrictions. Enter your Windows® or network login, if prompted.

Is your access code not being accepted? Your webinar Access Code is different from the Webinar ID. The Access Code is for attendees who have dialed into the audio portion of the webinar via telephone. The Access Code is located in the Audio pane in the Control Panel. (Both of these identification numbers—the Webinar ID and unique Access Code—are provided in your confirmation and reminder email.

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Audio Issues What does it mean when both telephone and VoIP are enabled?

When both telephone and VoIP are enabled, you have the choice to join the webinar with either your phone or computer speakers (a USB headset is also recommended). You cannot, however, access both audio options simultaneously.

Are you experiencing audio issues? If you are experiencing any audio issues, we recommend visiting Audio Help for Webinar Attendees for assistance with diagnosing and resolving these issues.