The FDIC & Federal Reserve Bank of San Francisco invites you to join a discussion on Managing Financial Shortfalls.  This symposium will be from 9:30 am to 1:00 pm at HUD’s Field Office located at the United Security Bank Building, 855 M Street, Suite 970, Fresno, CA 93721

The purpose of the symposium is to inform community leaders & stakeholders about the dangers of payday loans and some of the better alternative products that are available.

Topics to discuss include:

• Coping With Unplanned Financial Emergencies
• Perils of Payday & Car Title Lending
• Loan Products Available Today
• How Local Efforts Address this issue

Managing Financial Shortfalls Symposium February 25, 2010 9:30 – 1:00 Fresno, CA
9:30	Introduction – Setting the Context: Darryl Rutherford, FRBSF
	Purpose & Expected Outcomes of the event
9:40	Darryl Rutherford, FRBSF
	Central Valley Financial Education Collaborative: Cyndi Carmichael
	United Way of Fresno County: May Gnia Vang
	ClearPoint Credit Counseling Solutions: Martha Lucey
10:25	Break
10:30	Perils of Payday & Car Title Lending: Paul Leonard, CRL
11:00	Loan Products Available Today: Paul Leonard, CRL
	Payday Plus SF: Marco Chavarin
	Golden 1 Credit Union: Ernie Paz, Branch Manager
	Financiero Progresso: James Gutierrez
11:45	Break
11:50	Local Efforts: Jemahl Amen, CRL
	Fresno West Coalition for Economic Development: Keith Kelley
	Chief Staff for Cynthia Sterling: Carl Jones
	California Reinvestment Coalition: Liana Molina
12:30	Wrap Up/Next Steps/Networking Lunch
1:00	Adjourn