<p> From on-site credit union workout facilities, to juggling employee schedules, the HR & Benefit Options Special Report on pages 16-18 covers the latest HR issues. Delaware CUSO partners with bank to offer members trust services Turn to page 22 to find out how a Delaware CU League CUSO partnered with a federal savings bank to offer trust services to credit union members. What's going on with the competition? On page 22 readers will find the latest in what credit union competitors are doing to win more marketshare in Credit Union Times' ongoing "News of the Competition" feature.</p>

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