1. THIS SLIDESHOW, FIRST USED BY TFCC WITH FINANCIAL INSTITUTIONS DURING 2010, WAS DISCUSSED BY MARY ANN DEARBORN DURING HER PART OF THE 24 TH NATIONAL PROBLEM GAMBLING CONFERENCE PREVENTION SHOWCASE ON JUNE 11, 2010, AT PORTLAND, OREGON. WHAT FINANCIAL INSTITUTIONS NEED TO KNOW ABOUT PROBLEM GAMBLING MARY ANN DEARBORN, LCSW PROBLEM GAMBLING PREVENTION COORDINATOR FOR TILLAMOOK COUNTY TILLAMOOK FAMILY COUNSELING CENTER – WWW.TFCC.ORG 2010 1

2. Who is in the audience? Name of financial institution Region Branch location Job title Note: This slideshow was first used on Tuesday March 9, 2010, to provide a single webinar training for 30 staff (all levels) of TLC Federal Credit Union at branch locations in 5 cities, across a 3-county region in the state of Oregon (Clatsop, Tillamook, and Lincoln counties). POLL 2

3. Why are we here? Hint: If you read the newspaper and/or magazine articles e-mailed to you prior to this presentation, you may have an idea of how problem gambling can negatively impact your customers and/or your financial institution. POLL 3

4. Gain a basic understanding of problem gambling and how financial institutions can help reduce risks for customers and the organization. Objective 4

5. TALKING POINTS / SURVEY. 5

6. Problem Gambling Awareness Survey You received and completed the pre-survey. Mark the correct post-survey answer on your post- survey form as I review each of the 25 statements. After the training, forward the completed survey form to your financial institution’s Tillamook Office. That office will forward the forms to the person who will evaluate the data. Your information will help us prepare better trainings. Thank you for participating in this survey! 6

7. SURVEY: True or False?  1. Gambling is “betting anything of value (money, property, food, etc.) on an event with an uncertain outcome.”  Answer: True  2. Buying a raffle ticket or paying to play a game to win a prize at the county fair is gambling.  Answer: True 7

8. SURVEY, continued: True or False?  3. People who bet on sports, cards, dice, or other games at home, on the internet, or in the community are gambling.  Answer: True  4. Problem gambling can result in less time spent in usual family, friend, home, school, work or community activities.  Answer: True 8

9. SURVEY, continued: True or False?  5. Identifying a person with gambling problems is as easy as identifying a person who abuses or is addicted to alcohol or drugs.  Answer: False  6. Increased borrowing/credit activity and not having enough money to pay monthly bills can occur when a person continues to bet despite losses.  Answer: True 9

10. SURVEY, continued: True or False?  7. Lying behaviors common among problem gamblers and associated lack of trust can serious hurt the gambler’s relationships, with or without money lost gambling.  Answer: True  8. Problem gamblers rarely commit illegal acts in order to keep on gambling.  Answer: False 10

11. SURVEY, continued: True or False?  9. Gambling online is safe because you know you’ll get paid and you don’t have to worry about credit card fraud, identity theft, or other illegal activity.  Answer: False  10. Oregon teens are less likely to have problems with gambling than adults.  Answer: False 11

12. SURVEY, continued: True or False?  11. Only people with a personal or family history of addiction are at risk for problem gambling.  Answer: False  12. A way to avoid problems that can result from gambling is to follow rules of responsible gambling, like setting and sticking to a limit on the amount of time and money spent gambling and accepting every loss as part of cost of betting.  Answer: True 12

13. SURVEY, continued: True or False?  13. Teens who gamble are no more likely to engage in risky behaviors, like alcohol/drug use, sexual intercourse, carrying a weapon, fighting or threatening to seriously hurt someone, than teens who do not gamble.  Answer: False 13

14. SURVEY, continued: True or False?  14. A person is more likely to gamble if he or she is raised in a family or community where gambling activities are traditional practices or expected behaviors.  Answer: True  15. A “big win” while gambling as a child or teen is a risk factor for adult problem gambling.  Answer: True 14

15. SURVEY, continued: True or False?  16. Brain function and brain development are associated with youth gambling problems, because good decision making (supported by your brain’s pre-frontal cortex) can be impaired by alcohol or drug use, and pre-frontal cortex development is not complete until the 3 rd decade of life.  Answer: True  17. One in every 25 Oregon teens already has problems with gambling.  Answer: True 15

16. SURVEY, continued: True or False?  18. Males and females are equally likely to become problem gamblers.  Answer: True  19. I know an Oregon 24/7 Helpline and website where a problem gambler and others impacted by his or her gambling can get free, confidential info and help: 1877 ___ ___ ___ ___ ___ ___ ___ www.1877 ___ ___ ___ ___ ___ ___ ___.org  Answer: True (…, if you can fill in the blanks!) 16

17. SURVEY, continued: True or False?  20. I know an agency in Tillamook County that provides free, confidential, helpful information and services for a problem gambler and/or others negatively impacted by his or her gambling: ____________ ___________ _________ _________  Answer: True (…, if you can fill in the blank!) 17

18. SURVEY, continued: True or False?  21. Regularly scheduled Gamblers Anonymous (GA) meetings are available in Tillamook County.  Answer: True Thank you for completing the pre-/post-survey and for forwarding your completed form to the Tillamook Branch of your financial institution. 18

19. GREAT RESOURCES!. 19

20. OREGON 24/7 HELPLINE 20 1-877-MY LIMIT  professional certified problem gambling counselors  free, confidential information/referrals via  Live chat  Instant messaging  E-mail

21. ONLINE HELP: www.1877mylimit.org 21

22. HELP IN TILLAMOOK COUNTY 22 Tillamook Family Counseling Center 503.842.8201 – www.tfcc.org Jeff Taylor, LCSW, PG Counselor  free, confidential information and services for  the problem gambler and/or  others negatively impacted by her or his gambling

23. MORE HELP IN TILLAMOOK COUNTY Gamblers Anonymous (GA) For a schedule of regular meetings, call: Tillamook Serenity Club 5012 Third Street, Tillamook 503-842-5054 503-842-5813 23

24. WHAT CAN WE SEE? WHAT CAN WE DO?. 24

25. Adult Problem Gambler in Oregon  Problem gamblers in Oregon: 76,000 (estimate)  On entering problem gambling services…  Average age: ~45 years old  Average income: over $32,000 per year  Average gambling debt: more than $33,000  Equally likely to be male or female 25

26. Signs that a customer may have gambling problems  A marked difference between your customer‘s reported expenditures and debt load.  Your customer‘s bills are going unpaid even though, according to their income, they should be affordable. 26

27. Signs that a customer may have gambling problems, continued  Your customer‘s financial picture shows many credit card and/or ATM withdrawals; multiple withdrawals at bars, restaurants, and casinos are signs of concern.  Your customer is showing an increase in requests for personal loans or debt consolidation.  You ask your customer about gambling, but he or she is vague about the amount of time and money spent gambling. 27

28. If you know a customer is gambling, ask… 1. Do you spend more money on gambling than you mean to? 2. Do you spend more time gambling than you mean to? 3. Do people in your family or your friends express concern about your gambling? 4. Do you have concerns about your gambling? 28

29. IF THE ANSWER TO EVEN 1 OF THOSE 4 QUESTIONS IS “YES”…  Encourage your customer to learn more about the risks of gambling and how gambling can impact her or his financial picture.  Suggest that he or she speak to a professional (i.e., call the Oregon Problem Gambling Helpline or log on to the website. 29

30. Vulnerable Adult Financial Abuse If your customer is elderly or because of disabilities is dependent on others for help with his or her finances, and if the customer’s finances are being compromised by a relative or other person with account access, it is considered vulnerable adult abuse and should be reported. The number for Oregon Adult Protective Services is in your telephone directory. 30

31. An employee’s problem gambling...  Usually, lost time and lost productivity  In extreme cases, theft, fraud, or embezzlement Gambling may be going on during work hours, with the gambler using the workplace as a shield to hide problem gambling from family members. This puts managers and coworkers in the position of being a first line of defense – to identify the problem gambler before he/she become desperate. 31

32. 10 Workplace Signs of Problem Gambling 1. Work performance deteriorates – the person is preoccupied, has trouble concentrating, is absent from or late for meetings and misses assignment deadlines 2. Frequent, unexplained absences or disappearances from work 3. Eager to organize and participate in betting opportunities 32

33. 10 Workplace Signs of Problem Gambling, continued 4. Pay is requested in lieu of vacation; large blocks of vacation time aren‘t used 5. Frequently borrows money, argues with coworkers about money that is owed 6. Complains about mounting debts 7. Excessive use of the telephone and Internet for personal matters 33

34. 10 Workplace Signs of Problem Gambling, continued 8. Experiences mood swings, often related to winning and losing streaks 9. Credit card or loan bills are mailed to work rather than home 10. Increasingly spends more time gambling during lunch hours and coffee breaks Of course, these may signs of problems other than a gambling problem. Don’t accuse or label the person. There are better things you can do... 34

35. What your organization can do  Awareness training: Supervisors and employees need to be able to recognize the signs of gambling problems and know how to respond.  Policy statements: Incorporate the topic of gambling into relevant policies such as Internet use, phone use, and disallowed activities during work hours. 35

36. What your organization can do, continued  Use your Employee Assistance Program: Check with your EAP to be sure it routinely screens for problem gambling and is aware of Oregon‘s free treatment.  Make information available about the Problem Gambling Helpline: 877-MYLIMIT or 1877mylimit.org. Brochures and posters are available free by calling 503-945-9703. Help is available 24 hours a day, seven days a week and is open to family members whether or not the gambler is involved. 36

37. What your organization can do, continued  Make financial counseling available: It is important that financial counseling be made available to employees who are in a fiscal crisis.  Monitor the money stream: Some occupations involve direct contact with money; in other occupations money can be “moved.” These occupations might be considered high-risk for the problem gambler; a monitoring system can protect employee and employer. 37

38. Did you know...?  Unlike treatment for other addictions, problem gambling counseling involves direct intervention on the customer‘s financial situation. It is common to remove fund access for these customers and place it in the hands of a spouse or other responsible person. 38

39. Developing a relationship with “real” $  Through services offered by a problem gambling counselor, the problem gambler can develop a relationship with “real” money again, because part of the problem with problem gambling is that when compulsively gambling, money loses its real meaning. 39

40. WHAT DO WE WANT TO SEE?. 40

41. The practice of responsible gambling TEN RULES OF RESPONSIBLE GAMBLING 1. If you choose to gamble, do so for entertainment purposes - If your gambling is no longer an enjoyable activity then ask yourself why you are still “playing”? 2. Treat the money you lose as the cost of your entertainment - Treat any winnings as a bonus. 41

42. 10 RULES OF RESPONSIBLE GAMBLING, continued. 3. Set a dollar limit and stick to it - Decide before you go not only what you can “afford” to lose, but how much you want to spend. Do not change your mind after losing. 4. Set a time limit and stick to it - Decide how much of your time you want to allow for gambling. Leave when you reach the time limit whether you are winning or losing. 42

43. 10 RULES OF RESPONSIBLE GAMBLING, continued. 5. Expect to lose - The odds are that you will lose. Accept loss as part of the game. 6. Make it a private rule not to gamble on credit - Do not borrow money to gamble. 7. Create balance in your life - Gambling should not interfere with or substitute for friends, family, work or other worthwhile activities. 43

44. 10 RULES OF RESPONSIBLE GAMBLING, continued. 8. Avoid “chasing” lost money - The more you try to recoup your losses the larger your losses will be. 9. Don’t gamble as a way to cope with emotional or physical pain - Gambling for reasons other than entertainment can lead to problems. 44

45. 10 RULES OF RESPONSIBLE GAMBLING, continued. 10. Become educated about the warning signs of problem gambling - The more you know, the better choices you can make. 45

46. March is Problem Gambling Awareness Month Learn about problem gambling. Share what you learn with others. Visit this national problem gambling awareness website: www.NPGAW.org 46

47. Listen for local public service announcements, read articles in local papers -- keep learning and sharing. Headlight Herald, April 14, 2010. GUEST COMMENTARY _. There is help for problem gambling BY FRANK HANNA-WILLIAMS Gambling is a popular activity in Tillamook County. The term gambling is defined as betting money or anything else of value on an event with an uncertain outcome. It can make an activity more interesting or fun. It can also lead to serious financial, emotional and social problems. Everyone is at risk. Estimates in Oregon are that 76,000 adults are problem gamblers, with males and females equally likely to have gambling problems. Those who use problem gambling services in Oregon are, on average, age 45, and have an annual income of $30,000 and a gambling debt of $33,000.... Help is available... Frank Hanna-Williams is Executive Director of Tillamook Family Counseling Center 47

48. THANK YOU! Mary Ann Dearborn, LCSW Problem Gambling Prevention Coordinator for Tillamook County MaryAnnDearborn@gmail.com Tillamook Family Counseling Center 906 Main Ave - Tillamook, OR 97141 503.842.8201 www.tfcc.org Check out the free downloadable problem gambling prevention resources at www.tfcc.org :  Slideshow “What financial institutions need to know...”  Pre-/Post-Survey & Answers  Handouts:  Myths & Facts  Rules of Responsible Gambling  Articles  Brochure 48