This will be the third NAFCU Annual Conference & Exhibition with Fred Becker as NAFCU's President/CEO. In his three years Becker has faced some challenging issues, namely having to stem a tide of federal-to-state charter conversions, which have slowed; and a problem with staff turnover, which has also slowed. Becker believes the federal charter has become stronger and is poised to become even more so. "We have made significant strides in our efforts to enhance the federal charter. The key factor was to get the ball rolling in both the regulatory and legislative arenas. When we started this process, the regulator said we needed a legislative fix and the legislators said it was a regulatory matter, and we have obviously come a long way from that. As for the staffing issue, Becker said, "NAFCU is fortunate to have such a hard working and diligent staff who are committed to serving its credit union members."