Pub. 9 2014-2015 Issue 6

March/April 2015 31 Extraordinary Service for Extraordinary Members. For more information, contact Anthony (Tony) D. Todero at Baird Holm LLP at (402) 636-8355 or atodero@bairdholm.com. Todero’s practice focuses on agricultural and agribusiness finance, commercial finance, title insurance, and real estate. He represents banks, insurance companies, and other commercial lenders in all aspects of finance, including negotiation, documentation, and due diligence. Notably, the court found DeLaet’s government loans allowed income-based repayment and discharge within 10 years, opportunities the banks did not offer, finding that De- Laet’s monthly payments on her government loans left her with no other disposable income to repay the banks’ loans. The court also noted that DeLaet tried to negotiate further for- bearance or deferment agreements with the banks to no avail. Summarizing, the court found the case boiled down to the banks’ belief that with time and a willingness to relocate, DeLaet might find a better-paying job. The court did not disagree but wondered about loan payments coming due in the interim, with interest, capitalization, and the possibility the banks would sue DeLaet to collect their debts. The court, therefore, found the loans imposed an undue burden on De- Laet and discharged them. View a copy of the court’s opinion at http://bit.ly/DeLa- etVBanks.  Did you know that ATM card fraud in the U.S. is estimated to cost over $1 billion? When it comes to your ATM and self-service channels, are you truly protected from harmful exploits? How Can You Stay Protected? AppGuard : Named“Best Anti-Malware Solution”by the 2014 Homeland Security Awards Program, AppGuard defends against viruses, zero-day malware, drive-by-downloads, watering hole attacks, ransomware, phishing and other damaging threats. Patch Management Services : Keep your ATMs PCI-DSS Compliant with NuSource Financial’s Remote or Standard Patch Management Services. TMD Anti-Skimming Technology : Digital, analogue and stereo anti-skimming techniques that help beat skimming fraud. NuSource Financial Inc. || www.nusource nancial.com || 952.942.9191 Koley Jessen PC, LLO 1125 South 103rd Street Omaha, NE 68124 koleyjessen .com COMMERCIAL LOANS - TIF/BOND FINANCING DIP FINANCING - BANKRUPTCY/CREDITORS’ RIGHTS REGULATORY COMPLIANCE - GENERAL CORPORATE Marlon Lofgren & Matt Speiker