New Developments

in Identity Theft
PAGE 1-2

Significant Changes to
Fall 2008
WHAT’S INSIDE

Garnishment Proceedings in Ohio

PAGE 2-3

Dormant Accounts and

Escheatment- Tips and Traps
PAGE 4

Will Web Video Kill the Conference Star?

PAGE 5

Using Employee Pictures and

Related Items Without Consent
PAGE 6

Vendor Credentials – High or Low Risk?

Providing solutions for credit unions.
PAGE 7

New Developments in Identity Theft

By: David A. Wolfe, Esquire

Identity theft is the fastest-growing crime in the United States This Program must include reasonable
and topped the list of consumer fraud complaints filed with policies and procedures to identify certain
signals of actual or attempted identity
the Federal Trade Commission (“FTC”) for seven years in a row
theft. Supplement A to the guidelines
through 2007. In an FTC report issued in February 2008, credit contains a list of 26 “red flags” that
card fraud was the most common form of reported identity financial institutions and creditors may
theft at 23%, with utilities fraud at 18%, followed by bank fraud consider incorporating into their
at 14%. To combat this growing trend, federal agencies enacted Program, including:
the Fair and Accurate Credit Transactions Act (“FACTA”) Red
• Alerts, notifications, or other warnings
Flag guidelines requiring financial institutions and creditors to received from consumer reporting
develop and implement a preventative program to mitigate agencies or service providers;
the risk of identity theft for both new and existing accounts. • Unusual patterns in the consumer’s
use of credit, such as a recent increase
FACTA imposes serious responsibilities on these businesses to develop in inquiries or new credit accounts,
and adopt a written Identity Theft Prevention Program (“Program”) to changes in the use of credit, or
detect, prevent and mitigate identity theft with the opening or existence accounts closed;
of a covered account. A covered account is defined as an account used • Suspicious documents that appear to
primarily for personal, family or household purposes; or any other account be forged or reassembled, or those
for which there is a reasonably foreseeable risk to the customer or the documents that contain information
safety and soundness of the financial institution from identity theft. that is inconsistent with the person
The Program must address four basic elements: applying for credit.

• Identify relevant patterns, practices and specific forms of activity that continued on page 2
are “red flags” signaling possible identity theft and incorporate those
red flags into the plan;
• Detect those red flags that have been incorporated into the plan; David A. Wolfe is an Associate
• Respond appropriately to any red flags that are detected to prevent in the Bankruptcy and Legal
and mitigate identity theft; and Action Recovery departments
• Ensure the plan is updated periodically to reflect changes in risks from of the Detroit office. He can be
identity theft. reached at (248) 362-6142 or
dwolfe@weltman.com.

KEEPING CREDIT UNIONS CONNECTED TO THE LAW

Credit Union Department (216) 739-5100 • Chicago (312) 782-9676 • Cincinnati (513) 723-2200 • Cleveland (216) 685-1000
Columbus (614) 228-7272 • Detroit (248) 362-6100 • Grove City, OH (614) 801-2600 • Philadelphia (215) 599-1500 • Pittsburgh (412) 434-7955
 New Developments
in Identity Theft
continued from cover
FACTA includes additional special rules
for debit and credit card issuers to
develop policies and procedures to assess
the validity of a request for a change
of address that is followed closely by a
request for an additional or replacement
card. The rules prohibit the issuance of
the additional or replacement card until
the change of address is verified with
the cardholder.
The regulation and guidelines were
effective on January 1, 2008 and
FACTA’s mandatory compliance date of
November 1, 2008 is fast approaching.
This new rule/guideline requires
significant continued administration and
oversight of the Program and requires
each financial institution or creditor to:
• Obtain approval of its written
Program from either its Board
of Directors or an appropriate
committee of the Board of Directors;
• Involve the Board of Directors or
the appropriate committee, or a
designated senior-management-
level employee in the oversight,
development, implementation and
administration of the Program; and
• Train staff to effectively implement
the Program.
With a little more than a month
before the deadline, many financial
institutions and creditors may already
have compliant policies and procedures
in place as many are spending more on
fraud prevention, and for most it will be
a matter of training staff on how to spot
and respond to a red flag.
“…federal agencies
enacted the FACTA
Red Flag guidelines…
to mitigate the risk
of identity theft for
both new and existing
accounts.”
2
Significant Changes to
Garnishment Proceedings
in Ohio - Senate Bill
281 Becomes Law On
September 30, 2008
By: Joseph D. DeGiorgio, Esquire
On June 27, 2008, Ohio Governor Ted Strickland signed Ohio
Senate Bill 281 (“SB 281”), which will become law in Ohio on
September 30, 2008. SB 281 amends a total of seven sections
of the Ohio Revised Code, but the primary effect of the new
law is to amend those sections of the Revised Code that govern
what property is subject to – and exempt from – garnishment
by creditors. SB 281, therefore, is particularly relevant to (and
will have far-reaching effects on) all debt collection activity
throughout the state.
SB 281’s most important provisions relate to two distinct areas of Ohio
garnishment procedure; it amends both the dollar amounts of property
that may be held exempt, and it amends the procedure whereby creditors
may garnish individuals’ property. This article discusses some of the more
remarkable provisions of the bill.
Exemption Amounts
Probably most notably, SB 281 amends § 2329.66 of the Revised Code
to increase the dollar amounts of various categories of property, both real
and personal, that any debtor (domiciled in Ohio) may hold exempt from
execution and garnishment. While SB 281 does not create new exemptions
– current law allows debtors to hold certain property exempt – the new
law does significantly increase the dollar amounts of nearly all the already-
existing exemptions. Some of the most significant changes to those
amounts are detailed in the chart below: continued on page 3
Exemption under Exempt Item(s) Exemption under SB 281
Current Law (Effective Sept. 30, 2008)
$5,000 Property, used as residence $20,200
$1,000 Motor Vehicle (one) $3,225
$5,000 Money received (or any right $20,200
to receive money) in the
past 12 months as payment
for personal bodily injury
(excluding pain and suffering)
Specific dollar amounts for
various individual property
Personal, family and
household items
A more broadly-defined
exemption category, with
interests; $200 for one item
of wearing apparel, beds,
an aggregate dollar amount
of $10,775 for most items,
and bedding; $300 in one and $1,350 for jewelry held
refrigerator; $400 for one
item of jewelry and no more
primarily for personal, family
or household use.
than $200 in every other
item of jewelry
$400 in any property “Other property” $1,075
***applicable only in
bankruptcy proceedings
Significant Changes to Garnishment Proceedings in Ohio
continued from page 2
As noted in the chart, the exemption
for “other property” applies only
to bankruptcy proceedings; it is
inapplicable to the collection of debt
from individuals and entities not
involved in bankruptcy proceedings.
Garnishment Procedure
In addition to the above changes
related to the dollar amounts of
exempt property, SB 281 also alters
the procedure that creditors must
follow in order to garnish the property
of a debtor.
Garnishment of Property Other
than Personal Earnings
Garnishment of debtors’ property
other than personal earnings is usually
relevant when a creditor attempts
to garnish funds held by debtors on
deposit at financial institutions. A
debtor’s bank account can, of course,
be lawfully garnished – subject to the
limitations and restrictions of the law –
in order to satisfy a legal judgment.
SB 281 alters the provisions of
the Revised Code that govern the
garnishment of property other than
debtors’ personal earnings.
Most notably, SB 281 adds language
to the law that shields garnishees from
liability when a garnishee acts in good
faith in carrying out the garnishment
of property other than personal
earnings. Specifically, SB 281 adds
the following language to the law:
Any garnishee that garnishes
the property, other than
personal earnings, of a
judgment debtor in good faith
reliance upon the order and
notice of garnishment received
by ordinary or regular mail
service shall not be liable for
damages in any civil action.
RC 2716.13(B).
Unlike the current state of the law,
after September 30, 2008, garnishees
will no longer be subject to civil
liability, so long as garnishees act in
good faith reliance on the order and
notice of garnishment they receive.
Garnishment of Personal Earnings
Under both current law and SB
281, all creditors wishing to garnish
debtors’ personal earnings must
first serve a written demand letter
containing specific language. SB
281 makes changes to the required
language contained within that
required written demand. Currently,
the demand must state that demand is
made for the amount of the judgment
over the amount of personal earnings
that are exempt from garnishment.
SB 281 makes a slight but significant
change; it requires that the demand
be made for the amount of the
judgment owed over the amount of
personal earnings that may be exempt
from garnishment.
“…the primary effect of the new law is to
amend those sections of the Revised Code
that govern what property is subject to – and
exempt from – garnishment by creditors.”
SB 281 also changes the required
language for orders of garnishment
that are sent to employers of
judgment debtors (garnishees). Prior
to September 30, 2008, the order
must contain an affidavit stating that
the garnishee owes the debtor money
for personal earnings; the new law
requires that the order state that the
garnishee may owe the debtor money
for personal earnings.
On September 30, 2008, when SB
281’s provisions go into effect, the
law related to garnishment of property
belonging to debtors domiciled in
Ohio will change. While the day-to-
day operations of your particular entity
may not be drastically altered, all
WWR clients should take note of the
changes and, when applicable, ensure
compliance with the new law’s terms.
Joseph D. DeGiorgio is an
Associate in the Collection
Services department of the Grove
City office. He can be reached at
(614) 801-2668 or jdegiorgio@
weltman.com.
3
Dormant Accounts and
Escheatment-Tips and Traps
By: Matthew G. Burg, Esquire
“A penny saved is a penny earned”…
well, unless the account becomes
dormant. This old adage obviously did
not contemplate dormant accounts and
the state’s power of escheatment.
Credit unions, like banks, must deal with
dormant customer accounts – accounts
that sit unused usually due to its owner’s
death, inadvertence or forgetfulness.
Once an account becomes dormant,
the funds escheat, or revert, to the
state. Astonishingly, the State of Ohio’s
Unclaimed Funds Division maintains
more than 3.2 million accounts, some
generated from money left in dormant
accounts, worth over one billion dollars.
For purposes of Ohio’s escheatment
laws, checking and savings accounts
are deemed dormant after five years
of inactivity on the account between
the owner, i.e., the person or legal
representative having an interest in
the account, and the holder, i.e., the
credit union or bank who has possession
of the money in the account. Any
activity on the account, however, such
as an owner’s increase or decrease of
the funds, correspondence with the
holder concerning the funds, or some
acknowledgement by the owner of an
interest or knowledge of the funds, will
protect the account from being dormant.
If an account becomes dormant, the
holder is required to report the unused,
abandoned or unclaimed funds to
the state. A credit union’s failure to
accurately and timely report dormant
accounts may result in penalties. Aside
from the penalties associated with failing
to report unclaimed funds contained in
dormant accounts, the costs associated
with maintaining a dormant account are
generally unrecoverable once the funds
escheat to the state.
4
Some tips and traps to keep in mind Overall, maintaining both a dependable
when dealing with dormant accounts: computer system and accounting/
operating procedures are critical to a
• Dormancy Periods: Know your credit union’s success in monitoring
state’s dormancy periods for each type accounts, promoting activity and
of account. Each state has its own complying with state reporting
time periods, which differ amongst requirements. And for those customer
the states. States also apply different accounts that do remain active, a penny
dormancy periods to different types of saved will be a penny earned.
accounts. For example, a bank account
becomes dormant after five years in Resources utilized in preparing this article:
Ohio, but an IRA becomes dormant
after only three years. - Ohio Department of Commerce at
http://www.com.ohio.gov/unfd/
• Reporting: Know your state’s - Ohio Revised Code Ch.169
reporting deadlines. In Ohio, the
reporting deadline for accounts - Current Issues in Credit Unions podcast,
dormant as of June 30 is November 1 March 22, 2008, http://www.ciicu.libsyn.
of the same year. Even if no unclaimed com/ (featuring WWR Partner, Robert W.
funds are held, a “negative” report Rutkowski)
must still be filed.
- McMahan, Emmet. Guide to Unclaimed
Property in Ohio.
• Preemption: Federal law preempts
state law whenever a conflict exists.
Thus, even if your state law does not
allow state credit unions to retain a
portion of the dormant funds before
“A credit union’s
they escheat to the state, the same
is not true for federal credit unions failure to accurately
governed under federal law. Generally,
federal credit unions may recover fees and timely report
or costs generated in maintaining an
account before the unclaimed funds dormant accounts
escheat to the state.
may result in
• Multiple Customer Accounts:
When customers have multiple penalties.”
accounts with a credit union, link the
accounts together. If one account
becomes dormant, a customer’s
activity with the other accounts may
insulate the dormant account from
reverting to the state.
• Penalties: Knowing the reporting
requirement and providing accurate
reports are crucial because of the
potential penalties for non-compliance.
In Ohio, a failure to report unclaimed Matthew G. Burg is an Associate in the
funds or under-reporting unclaimed Litigation & Defense department of the
funds may result in civil penalties of Cleveland office. He can be reached at
$200.00 per day or criminal penalties (216) 685-1111 or mburg@weltman.com.
as high as $500.00 a day, plus interest.
Will Web Video Kill the
Conference Star?

&
By: Rob Rutkowski, Esquire

On a recent morning, I watched a seminar given over the Web. Normally, when

Pagon
you attend a webinar, you get telephone audio feed and a PowerPoint that
is at best unreliable. This was different. NAFCU sponsored the event,
and the webinar began with video camera panning back off their
logo and then focusing on the two speakers. A small video ran on
the left of my screen while the PowerPoint was displayed on the Halton
right. This seminar went flawlessly. I didn’t even see it live, I saw
part of a recording of it. Nonetheless, it was very impressive.

If a webinar can be given reliably via streaming video and
the audience can see the speaker and the PowerPoint
simultaneously, why would anyone ever go to a live seminar
again? Webinars are cheaper than in-person seminars. There
are no travel costs or food expenses and the time the
employee spends away from the credit union is
significantly less. Moreover, you can have as
many people watching it on the computer
as you have space in your conference
room. You could even port it to an
HDTV. For a credit union trying
to cut costs, a good webinar is far
superior to sending employees away
for educational training. At its most
basic level, the purpose of a seminar is
for the dissemination of information to the
attendees. If it can be done more cheaply, then
it should be done more cheaply.
Webinars are still not perfect. Workshops suffer. It is hard to play learning
games, get answers to hypotheticals and break people into groups via a webinar.
Also, I mentioned this webinar opportunity to some other credit union folks and
some were concerned that webinars don’t allow for networking. I have to agree
with that. There is, by definition, no in-person contact beyond that of your co-
workers. However, while networking might be rewarding to individuals, what is
the return to the credit union?
Working Together to
Serve You Better
We are excited to announce the
promotion of Dawn Pagon to Manager
of Client Relations for Credit Unions
and introduce Lauren Halton as a Credit
Union Client Representative. Together
they are teaming up to better serve the
needs of our credit union clients, offering
you exceptional customer service,
attendance at more credit union events
and providing you insights and Firm
services to keep you on top of legal and
collection issues in our industry. Lauren
is based in our Columbus office, serving
clients in Central and Southern Ohio.
Dawn will continue to work from our
Brooklyn Heights location, managing
clients in Northeast and Northwest Ohio,
as well as overseeing client relations
across our WWR coverage area.

I would submit to you that webinars will indeed greatly reduce the number
of conferences for credit union employees and volunteers over time. The ones
that survive will be more social events for educational sessions. People will want
to attend these not for the educational sessions, but for the networking and
camaraderie. This is not necessarily a bad thing. As webinar technology improves,
the corresponding efficiency will be a benefit to everyone. You might think Dawn Pagon
that I have a vested interest in the convention circuit as I give upwards of 40 Manager of Client Relations
presentations a year. Honestly, I would rather do them all as webinars. for Credit Unions

Robert Rutkowski is the Managing Partner of the

Firm’s Credit Union department. Based in the
Brooklyn Heights operations center, he can be reached
at (216) 739-5004 or rrutkowski@weltman.com.
Lauren Halton
Credit Union
Client Representative 5
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 em-
ployees and used the photos for advertis-
ing 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
“…using these pictures may result in an
actionable claim against the employer for
a violation of privacy rights.”
6
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 em-
ployed by Kodak gave Kodak permission
to use his family photo in a publication
on how to print
pictures. Condecor,
another com-
pany in the photo
industry, copied
the picture from
Kodak’s publica-
tion 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.
Vendor Credentials –
High or Low Risk?
By: Sara M. Donnersbach, Esquire
Verifying a vendor’s credentials, as well as
those of its principals, is essential before
providing an outsider access to business
assets, facilities and workforce. In today’s
business environment, failing to screen
and monitor a vendor can result in
huge consequences. When choosing
a vendor, look for the vendor that can
not only solve today’s problem, but one
that won’t increase or create problems
by being a high risk vendor. Choose a
vendor that will still be around next year.
Before hiring a company to provide
goods and services, verify the prospective
vendor’s performance, criminal record
and financial standing. Failing to do
so, and failing to monitor these things
at future intervals, can result in fraud,
unsatisfactory work and lost time
and money.
When considering long-term needs,
look at the stability of the vendor. For
example, if the vendor company is a one-
man-shop, there is essentially no stability.
When considering team-based vendors,
be mindful of their financial stability.
Many service companies have cash-flow
issues that can impact their customers.
Ask prospective vendors for proof of
their financial stability.
Another aspect of stability is turnover
rate. On any given project, the vendor
team members should rarely change.
Re-teaming or starting with a new
resource costs time and money, so
turnover is extremely important. When
reviewing prospective vendors and
monitoring present vendors, ask for
updated references and ask questions
about turnover.
A final aspect of long-term stability is
abandoned projects. Ask the prospective
“…failing to screen and monitor
a vendor can result in
huge consequences.”
vendor about any projects that have
ended badly or that were abandoned.
Some will be forthcoming with
information; however if told it has not
happened, do some research when
calling references.
Key things to check for, from business
vendors and their principals:
• Businesses: corporate status, financial
and credit information, bankruptcy
history and judgment record, insurance
certificates, W9 tax documentation,
licensing, government watch lists and
conflicts of interest.
• Principals: Social Security number
and identification verification,
background check, credit history,
professional licensing, government
watch lists and conflicts of interest.
There are specific, measurable benefits
to screening a prospective vendor
and monitoring present vendors.
Doing so provides more control and
accountability. Vendors are encouraged
to abide by set work and ethical
standards. The review process provides
the truth about a vendor’s and potential
business partner’s capabilities, financial
health and reputation. While there is an
administrative cost, this process, too, can
be outsourced.
Sara M. Donnersbach is
a Partner in the Specialty
Collections department of
the Cleveland office. She
oversees the Governmental
Collections Practice Group,
the Healthcare Practice Group
and the Utility Service and
Damage Claims Practice
Group. She can be reached
at (216) 685-1039 or
sdonnersbach@weltman.com
Have you listened to the
Current Issues in Credit
Unions podcast lately?
Have you heard about the Current Issues
in Credit Unions (CIiCU) podcast? The
brainchild of Rob Rutkowski, Managing
Partner of WWR’s Credit Union department,
CIiCU is a monthly podcast about credit
unions and the legal issues that they face in
the course of business. Hosted by attorneys
involved in the credit union movement,
the podcast covers hot topics and breaking
legal news and is designed for credit union
officers, directors, employees, volunteers
and anybody interested in the credit
union movement. The podcast enjoys an
impressive audience of nearly 1400 credit
union industry individuals each month.
The other members of the Current Issues
in Credit Unions team include Brian Witt of
Farleigh Witt, Faith Anderson of American
Airlines Credit Union and Guy Messick of
Messick & Weber P.C. Rob, producer of the
podcast, says, “The credit union movement
is something that Brian, Guy, Faith and I
are very passionate about. We have been
involved with the credit union movement for
a long time and we enjoy being able to do a
free show for credit unions worldwide where
we can discuss topics that we see in our
practices. Sharing relevant information and
giving tips to credit union professionals that
they may be able to use in their day-to-day
activities is important to us and we hope to
get credit unions to think about these legal
issues from a different perspective.”
The CIiCU team (from left: Faith Anderson,
Brian Witt, Guy Messick and Rob Rutkowski)
If you are interested in accessing the
podcast, visit any of the links below. While
you can use your iPod to listen to the
program, you don’t need an iPod. You can
easily download and listen to the file on your
computer, or burn the file onto a CD and
listen to it on a CD player.
• iTunes Music Store: http://phobos.apple.com/
WebObjects/MZStore.woa/wa/viewPodcast?
id=151785964&s=143441
• Direct Download: www.ciicu.libsyn.com
• RSS Feed: http://ciicu.libsyn.com/rss
7
 323 W LAKESIDE AVE SUITE 200 CLEVELAND OH 44113-1099
FORWARDING SERVICE REQUESTED

Pagon & Halton

Working Together to Serve You Better
Details inside on page 5!

Have you listened to the

Current Issues in Credit Unions podcast lately?
Details inside on page 7!

WHAT’S INSIDE...

• New Developments
in Identity Theft

• Significant Changes to
Garnishment Proceedings in Ohio

• Dormant Accounts and

Escheatment- Tips and Traps

• Will Web Video Kill the Conference Star?

• Using Employee Pictures and

Related Items Without Consent

• Vendor Credentials – High or Low Risk?

The WWR Letter is provided as a free service by Weltman, Weinberg & Reis Co., L.P.A., representing clients on creditors’
rights issues. The data contained in this newsletter is a summary of legal information, may be incomplete and is not in-
tended to constitute legal advice on specific matters, create an attorney-client relationship or be legally binding in any way.
WWR understands that each legal matter is unique and recommends that the reader should consult his/her own attorney for
specific advice on a particular problem or legal need. In the event that the reader does not wish to receive future copies of
this newsletter, please send an e-mail to wwrletter@weltman.com.

No articles may be reprinted without our written permission but we do grant permission to subscribers for internal use
with their staff. Direct editorial comments to Mala Mason at 1400 Koppers Bldg., 436 Seventh Ave, Pittsburgh,
Pennsylvania 15219. Phone (412) 225-9568. Email wwrletter@weltman.com.

8 ©2008 Weltman, Weinberg & Reis Co., L.P.A.