in California, Arizona, Florida and Utah, giving us a great deal of understanding of the insurance industry. Our plans are designed to be cost-effective and provide Insurance and Commercial Auto, Group Health and Classic Car, and Regular Auto Insurance. We work with the leading insurers

to share our profits with our members in the form of savings benefits, such asrestrictions. We offer low-cost checking, including national ATM networks and shared branches; competitive auto, credit card, and home equity loans; and competitive real estate loans. Our federally insured