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This document outlines the terms and conditions for a rental agreement between John Doe and ABC Properties for the lease of 123 Main St from January 1, 2023 through December 31, 2023. The tenant agrees to pay $1,000 per month in rent and is responsible for all utilities and maintenance of the property. The landlord and tenant both agree to abide by local laws and that the lease will automatically renew each year unless notice is given.

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Nearly ten years ago, the training and modeling and simulations (M&S) communities teamed up to tackle a burgeoning issue – the use of commercial technologies and games in NATO. The challenge came from the cultural change inherent in the domain. Small businesses were the leaders in the game space, yet they were perceived as risks among acquisition authorities. The proponents pushed forward by forming a Modeling and Simulation Group workshop series called “Exploiting Commercial Technologies and Games for Use in NATO” to bridge the cultural gaps. Over ten years, twelve workshops have convened. Successes have been achieved and predictions made five years ago have been attained. This report provides (a) findings such as trends and possible explanations for factors contributing to attainment of workshop predications; (b) trends within technology, industry, and government with respect to commercial technologies and games for education and training; and (c) recommendations for consideration in planning future MSG commercial technology and games workshops.

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The credit union industry is being reshaped by numerous outside forces and challenges. How can we thrive? In order to answer that question, the 2011 Deluxe Collaborative focused their research on understanding what consumers think and feel about their financial institution, regulations, products and process. The researchers discovered that in order to survive- and thrive- organizations need to challenge five things. Learn those five things you should be thinking about and learn to thrive! More info at: www.nafcu.org/deluxe

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With the tsunami of new regulations from NCUA and the CFPB, getting good at compliance is becoming a key success factor for credit unions. In this podcast and presentation from the 2013 NAFCU Annual Conference, Toné Gibson explores how your credit union can develop a cost-effective approach to strike a better balance between compliance and operational efficiency. Through the utilization of three methodologies – strategic development, process excellence, and performance management – learn in detail how to reduce the cost of compliance. Wolters Kluwer Financial Services is the NAFCU Services Preferred Partner for Consumer and Member Business Lending & Deposit Services. More educational resources and contact information are available at www.nafcu.org/wolterskluwer.

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