Tuesday, March 4Th 12:00 NOON Eastern Time

AGENDA

EBA Risk Management Committee Monthly Call

Wednesday, October 25th

@ 12:00p-Eastern

CAPSULE –

“Respirable Crystalline Silica: Lender Risk Considerations”

This will be Part 1 of a two-part presentation. Part 1 will be a very comprehensive primer on Silica Lender Risk Considerations; Part 2, will be on Asbestos Lender Risk Consideration and occur on November 29th. EBA Member, Chris Gates of MC Consultants (and current President of EIA – Environmental Information Association) will introduce Dale Becker of TTi (Technical Training Institute; an MCC company). Dale is the Director, Environmental Safety & Health – Education Services for TTi. Check out his slide deck and draft Tip Sheet available for download from the EBA website --- This will be a “seminar-quality” presentation – and this topic is very timely as silica inspection opportunities are surfacing around the country.

The first 15 minutes of the call will be devoted to 2-minute stump speeches from each of the six candidates for the 2018 EBA Board.Immediately thereafter, at 12:15p-Eastern, we will go directly into the presentation (“Old Business” will be pushed to the end of the call). This call may run over an hour, so grab a large-sized popcorn!

Dial-in Number: 712.432.0075

(Canadian callers:Dial this access number first: 559.546.1400.. and then the number above)

Access code: 880073#

Un-/Mute: *6

CALL TO ORDER:

[[Welcome to the EBA Monthly Risk Management Call. Today is *Wednesday, October 25, 2017*. Dennis Firestone and Michael Cole are today’s hosts. The presentation portion of this call is being recorded in lieu of Minutes. This call is intended for EBA members and invited guests only. Unauthorized use of the content is prohibited.]]

ROLL-CALL:

In lieu of a roll-call, please introduce yourself on the call (even if you are not a member) and then take a moment during the call to e-mail your name to or use the button embedded in the Reminder sent 15 minutes prior to the call.

ADMINISTRATIVE:

·  Lisa Kraus Gardner / Nardone / Updates from EBA headquarters.

·  2-minute stump speeches from each of the six candidates for the 2018 EBA Board.

(START RECORDING)

NEW BUSINESS:

“Respirable Crystalline Silica: Lender Risk Considerations”

This will be Part 1 of a two-part presentation. Part 1 will be a very comprehensive primer on Silica Lender Risk Considerations; Part 2, will be on Asbestos Lender Risk Consideration and occur on November 29th. EBA Member, Chris Gates of MC Consultants (and current President of EIA – Environmental Information Association) will introduce Dale Becker of TTi (Technical Training Institute; an MCC company). Dale is the Director, Environmental Safety & Health – Education Services for TTi. Check out his slide deck and draft Tip Sheet available for download from the EBA website --- This will be a “seminar-quality” presentation – and this topic is very timely as silica inspection opportunities are surfacing around the country.

Mr. Becker brings extensive training and consulting expertise to MC Consultants. His experience includes over 26 years as a Co-owner and Vice-President of a nationally recognized Environmental, Health & Safety training and consulting organization. His training and consulting clients include: consulting firms, mitigation contractors (asbestos, mold, lead paint, water-loss, fire damage), schools/colleges, hospitals, power generation plants (coal, hydro, natural gas), paper mills, hard-wood plants, hotel/motels, airports, state/municipal facilities, public works, strip malls, several professional associations and residential clients. Mr. Becker is an approved trainer through the Environmental Protection Agency, Federal OSHA and California OSHA.

DaleChris

The PDF version below does not contain the animations on Slides 33 and 37; see the 10MB PPTX version on the EBA website.

OLD BUSINESS & TASK GROUP UPDATES:

Audio-replays (mp3 format) for the past 5+ years are available for download on the EBA website. Listen to the calls with one of several “fast-playback” Android and iOS Applets (Contact Dennis for assistance). Here is a summary of the previous two calls:

·  August – 79 lines. “Wetlands: ASTM 1527-13 Non-Scope Considerations” EBA Members (and consistent meeting sponsors!) Judy Marth and Dana Lingle of TetraTech, Inc. explained how Wetlands may represent additional environmental issues or conditions that should be assessed. If wetlands are not considered upfront, they can lead to regulatory compliance issues or delays in project development goals.

·  September – 55 lines. “Bitcoin, Blockchain.. and XMS by MereSecure®” This would be a great call to download and listen again. This is knowledge we should all carry in both our personal and professional lives. What is Bitcoin Cryptocurrency (we have a couple of Risk Call participants that are “Crypto- Millionaires); What is Blockchain and how it is being rapidly adopted by US lenders, attorneys, and companies; What is XMS by MereSecure and how you can access integrate it into your job function.

Task Groups / Updates:

·  EBA Affiliate and Education Updates (Julie Kilgore and Jeri Massengill);

Jeri is the new Chair of the EBA Education Task Force.

The ASTM E50 Committee was held Oct 10 and 11 in New Orleans.Standards currently being updated are:

·  Standard Guide for Use of Activity and Use Limitations, Including Institutional and Engineering Controls

·  Standard Practice for Environmental Site Assessments: Phase II Environmental Site Assessment Process

·  Standard Guide for Identifying and Complying With Continuing Obligations

Current standards that will be having meetings to get industry feedback and/or scope out possible future revisions include:

·  Standard Guide for Property Condition Assessments: Baseline Property Condition Assessment Process

·  Standard Practice for Environmental Site Assessments: Phase I Environmental Site Assessment Process

·  Standard Practice for Limited Environmental Due Diligence: Transaction Screen Process

New standard under development: Accessibility Facility Assessment of Private Non-transient Housing

·  ASTM 1527-13 (ESA)

·  ASTM 2247-08 (Forest-Rural)

·  ASTM 1903-11 (Phase II)

·  ASTM 1528-14 (TSA)

·  ASTM 2018-15 (PCA)

·  ASTM 2557-16a 2026-16a (Seismic Risk / “PML”)

·  Risk Media Re-Load to Website (Rita)

·  BBNA: Special offer from member BBNA -- EBA members interested in checking out Bloomberg BNA’s Environmental Due Diligence Guide (online, continually updated news and analysis, and chartbuilder tool for all state and federal regulatory requirements and policies) can get free trial access here https://www.bna.com/environmental-due-diligence-p17179911107/. Special pricing is available for EBA members. Contact Mary Ann Grena Manley () for more info.

·  EBA Journal: Contact Holly Neber of AEI if you would like to contribute to the EBA Journal. Topics can be submitted through the EBA website. Once you submit, Holly will reach out to you.

FUTURE CALLS:

The monthly Risk Calls are always Wednesday at 12:00p-Eastern, and typically the 2nd or 3rd week of the month. These are only tentative dates and topics below; speaker availability drives the ultimate line-up and specific week. Please contact Dennis if you have a proposed topic or want to throw someone under the bus propose someone as a speaker.

Topics queued:

·  November 29th - Tip Sheet (updates) on Asbestos - Bill Sloan of Commerce Bank and Chris Gates, 2017-2018 President of Environmental Information Association (EIA).

Topics in development:

·  November: SBA SOPs - Michael and Sabrina of SunTrust Bank

·  ______: Tip Sheet on MSAs - Shannon Rose of Save-A-Lot and Bill Alpine of ECS

·  ______: Tip Sheets (updates) on Adobe XI & DC - Dennis P. Firestone

·  ______: Tip Sheet on Bank Policy - DPF and Nadine Stroud of Western Alliance Bank

·  ______: Career Sustainability - Marty Walters of CIT Bank

·  ______: Construction Risk Review / or NEPA topic. NEED PRESENTER.

·  ______: ESAs: Liabilities associates with pipelines and rail alignments/spurs on collateral

Responsibility, obligations, etc. – NEED PRESENTER

·  ______: What’s new in bioremediation and alternative remediation technologies

·  ______: Media: How/what to disclose to the media.

·  ______: What data management platforms are out there: CRM, etc.

·  ______: Examples of coordination issues from local, country, state, and federal.

And (maybe in a different presentation), what if you have an AAI report and the State pursues you; is there actual case law on this? – Is “AAI” enough? Also, what about claims outside of the Lender Protection.

·  ______: CAFOs - Snell-Wilmer.

·  ______: Dodd-Frank Implications: Brent/SunTrust and possibly BB&T.

·  ______: Forestry / ASTM – not for a while because just did to joint calls with ASTM/Tech Committee

ADJOURNMENT -

Random links – CTRL + Click to follow the links (thanks to those that contributed; please take a minute and send Dennis your Favorites for next month).

Nice piece from PM Environmental: https://youtu.be/tIOoE3uW2fc

Feral assets, creepy collateral and peculiar places:

This is Napa.. not Syria: https://www.youtube.com/watch?v=ItcrGFBn39A

https://brightside.me/article/earth-then-and-now-dramatic-changes-in-our-planet-as-shown-by-incredible-nasa-images-38655/?utm_source=fb_r3d769b1b5643&utm_campaign=b04fd77e1916&utm_medium=cpm

http://www.businessinsider.com/north-brother-island-photo-tour-2017-9?utm_content=bufferf20aa&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-science

http://www.itsabandonedworld.com/index.php/2017/06/12/seattle-underground-the-remains-of-the-old-city-that-were-abandoned-and-left-in-ruins-until-the-1950s/

http://9unknownfacts.com/2017/10/17/this-couple-have-been-living-inside-sewer-for-22-years-but-wait-until-you-see-their-home/?utm_source=weird&utm_medium=facebook&utm_campaign=22yearsinside

http://www.itsabandonedworld.com/index.php/2017/07/08/cincinnati-abandoned-its-subway-almost-a-century-ago-and-now-its-a-network-of-creepy-catacombs/

http://www.businessinsider.com/oldest-photo-taken-in-each-state-2017-10?utm_content=buffer36afd&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-science

https://anewkindofhuman.com/20-amazing-homes-people-sick-societys-bullshit/

http://www.businessinsider.com/dying-malls-in-america-look-to-china-2017-5?utm_content=buffer647cc&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-design

http://www.businessinsider.com/these-chinese-cities-are-ghost-towns-2017-4?utm_content=bufferbacec&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-tiuk&r=UK&IR=T

DPF’s Tech Recs (proceed at your own risk):

https://www.bisnow.com/national/news/office/its-not-the-cell-carrier-its-the-building-that-is-causing-dropped-calls-74125?be=dennis.firestone%40atcassociates.com&utm_source=Newsletter&utm_medium=email&utm_campaign=thu-05-oct-2017-000000-0500_national-re

http://www.lifed.com/advertorial/12-viral-products

https://www.wsj.com/articles/the-security-setting-you-must-always-turn-on-1505700241?mod=e2fb

https://motherboard.vice.com/en_us/article/bmvv9w/ruin-your-google-search-history-with-one-click-using-this-website?utm_source=vicefbus

https://futurism.com/new-discovery-breaks-the-boundaries-of-moores-law/

Tin foil hats:

https://trib.al/uqEZbLv

https://motherboard.vice.com/en_us/article/kz74ym/google-gmail-advanced-protection-security-keys-yubikey?utm_source=vicefbus

https://arstechnica.com/information-technology/2017/10/how-the-krack-attack-destroys-nearly-all-wi-fi-security/

https://motherboard.vice.com/en_us/article/3kaxz3/krack-wifi-hack-attack-guide-explainer?utm_source=vicefbus

http://lifehac.kr/ITfrJi0

https://gizmodo.com/dont-panic-but-wi-fis-main-security-protocol-has-been-1819501001?utm_campaign=socialflow_lifehacker_facebook&utm_source=lifehacker_facebook&utm_medium=socialflow

https://www.pcworld.com/article/3233308/security/krack-wi-fi-security-flaw-faq-tips.html

Science and Stuff:

Julie Kilgore’s bug-out bag: https://www.wasatchmountainclub.org/admin/menu.php?add=docs/10Es.htm

https://trib.al/NrmpcKe

http://www.msn.com/en-us/money/companies/monsantos-new-weed-killer-dicamba-divides-farmers/ar-AAsjjWb?li=AA4Zjn&ocid=ientp#image=AAsjjWb_1|5

https://sciencr.com/energy-harvested-from-evaporation-could-power-70-of-the-u-s/

https://sciencr.com/introducing-dark-dna-the-phenomenon-that-could-change-how-we-think-about-evolution/

https://www.familyhandyman.com/automotive/car-maintenance/restore-and-polish-auto-headlights/view-all/

http://www.businessinsider.com/boeing-airplanes-winglets-nasa-2016-9?utm_content=bufferd1c9f&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-science

http://www.businessinsider.com/dental-fillings-cavities-alzheimers-disease-tideglusib-2017-10?utm_content=buffer8e8a2&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-science

http://www.businessinsider.com/millennials-photos-2017-10?utm_content=buffer56f5b&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-design/#forher-portraits-kvist-asks-them-to-pile-everything-they-own-into-a-backdrop-of-organized-chaos-5

PCA / Construction Fodder:

https://trib.al/A03VkgB

https://www.familyhandyman.com/plumbing/toilet-repair/replacing-a-rotted-floor-under-the-toilet/view-all/?trkid=soc-fhm-facebook

https://www.familyhandyman.com/smart-homeowner/vital-home-maintenance-tasks-youll-regret-if-you-forget/?trkid=soc-fhm-facebook

Risk Recipes:

http://www.businessinsider.com/cancer-sugar-tumor-growth-warburg-effect-2017-10?utm_content=buffer31e38&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-science

http://www.businessinsider.com/skipping-breakfast-tied-to-higher-risk-of-hardening-in-arteries-2017-10?utm_content=buffer1ea6f&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer-science

Banking:

http://www.nreionline.com/lending/bridge-loan-market-surging-nationwide?NL=NREI-21&Issue=NREI-21_20170927_NREI-21_110&sfvc4enews=42&cl=article_1&utm_rid=CPG09000011399898&utm_campaign=10904&utm_medium=email&elq2=4e723b8c67d74bbeaf752c04123ef554

https://trib.al/Xq9pat7

https://futurism.com/emcash-is-dubais-first-official-cryptocurrency/

https://brightside.me/inspiration-tips-and-tricks/9-smartphone-features-most-users-have-no-idea-about-347210/?utm_source=fb_brightside&utm_medium=fb_organic&utm_campaign=fb_gr_seen_everything

https://futurism.com/emcash-is-dubais-first-official-cryptocurrency/

https://lifehacker.com/ccleaner-s-32-bit-app-was-infected-here-s-how-to-fix-it-1818509210?utm_campaign=socialflow_lifehacker_facebook&utm_source=lifehacker_facebook&utm_medium=socialflow

Meanwhile in Detroit (DPF’s home town):

http://www.onlyinyourstate.com/michigan/detroit/abandoned-places-detroit-dt/

https://m.metrotimes.com/news-hits/archives/2017/10/19/detroits-amazon-hq2-bid-is-in-and-damn-does-the-pitch-make-the-city-look-cool