solutions that benefit all our members, not just short-term gains for a select few. As a creditsuch as: higher-than-average interest rates on saving accounts, lower interest rates on loans, and reasonable feesand competitive real estate loans. Our federally insured savings account is also a popular choice for many

financial situation. We strive to develop long-term relationships that are built on trust and pre-retirement and retirement planning, assistance with college savings plans, estate and tax-planning issues, insurance-weekly market commentaries, and online access to brokerage accounts. We take pride in the quality of