WHEREAS on February 14, 1997, Respondent pled guilty to a third degree felony of grand theft, in
violation of Ohio Revised Code §2913.02(A)(1), as charged in a criminal information stating that she
did, "with purpose to deprive the owner of certain property or services [HCEFCU] worth . . . $15,
908.05, knowingly obtained control over such property or services without the consent of the owner or
person authorized to give consent." State of Ohio v. Norback, Case No. CR97-01-0086 (Butler
County Court of Common Pleas);
WHEREAS a violation of Ohio Revised Code §2913.02(A)(1) is a crime involving dishonesty or
beach of trust which is punishable by imprisonment for a term exceeding one year under Ohio law;
WHEREAS on April 11, 1997, Respondent was convicted of a third degree felony of grand theft in
violation of Ohio Revised Code §2913.02(A)(1), and was sentenced for that offense to a term of one
and one-half (1½) years in prison, fined the sum of $5,000, and ordered to make full restitution and
pay the costs of prosecution. State of Ohio v. Norback, Case No. CR97-01-0086 (Butler County
Court of Common Pleas);
WHEREAS the NCUA Board finds that Respondent's service to or participation in the conduct of the
affairs of a federally-insured credit union may pose a threat to the interests of the members of such
credit union or may threaten to impair public confidence in such credit union; and
WHEREAS the NCUA Board has delegated authority to Regional Directors of the NCUA to issue an
Order on its behalf when such Order is based upon a criminal conviction.
NOW, THEREFORE, IT IS HEREBY ORDERED that:
1. Julia Ann Norback is prohibited from participating in any manner in the conduct of the affairs of any
federally-insured credit union, and from continuing or commencing to hold any office, or participate in
any manner, in the conduct of the affairs of any insured depository institution; any institution treated as
an insured bank under 12 U.S.C. §1818(b)(3) or (4), or as a savings association under 12 U.S.C.
§1818(b)(8); any insured institution chartered under 12 U.S.C. §2001 et seq.; any appropriate Federal
depository institution regulatory agency; the Federal Housing Finance Board and any Federal home
loan bank; and the Resolution Trust Corporation. See 12 U.S.C. §1786(g)(7)(A);
2. The "Judgment of Conviction Entry" against Julia Ann Norback in State of Ohio v. Norback, Case
No. CR97-01-0086 (Butler County Court of Common Pleas), is made a part hereof and is
incorporated herein by reference; and
3. This Final Order of Prohibition shall be effective and enforceable on the date of set forth below.
Opportunity for Hearing
Pursuant to 12 U.S.C. §1786(i)(3), you may request in writing, within 30 days of service of this Order,
a hearing to present evidence and argument that your participation in the affairs of any federally-insured
credit union would not, or would not be likely to, pose a threat to the interests of such credit union's
members or threaten to impair public confidence in such credit union. See 12 C.F.R. §747.306 et seq.
The NCUA Board will consider the criteria set forth at 12 C.F.R. §747.311.
A request for a hearing must state with particularity the relief desired, the grounds therefor, and must
include, when available, supporting evidence. The request must be sent to: Secretary of the Board,
National Credit Union Administration, 1775 Duke Street, Alexandria, Virginia 22314-3428.
IT IS SO ORDERED this 31st day of December 1997.
NATIONAL CREDIT UNION
ADMINISTRATION BOARD
By:____________________________
NICHOLAS VEGHTS
Regional Director
NCUA Region IV
CERTIFICATE OF SERVICE
I hereby certify that on this 5th day of January 1998, I caused one copy of the foregoing "Final Order
of Prohibition" and attached "Judgment of Conviction Entry" to be served by U.S. Mail, certified return
receipt requested, upon:
Richard Paul Michaelson, Esq.
8087 Cincinnati Dayton Road
Chester, Ohio 45069-2003
_______________________________
Steven W. Widerman
Trial Attorney
Office of General Counsel