I applaud Dave Adams and the board of the Michigan Credit Union League for pointing out the importance of providing fair and complete disclosures to members of credit unions that are considering conversions to banks. While under some circumstances it may make sense to become a mutual savings bank, Mr. Adams rightly points out that the decision to do so belongs to a credit union's members (CU Times, Nov. 17). To make well-informed decisions, credit union members must be made aware of all that is at stake on both sides of the issue. But in the end, whether a credit union changes charters or not, we must be ever mindful of whose choice it is. Jane Melchionda President/CEO EasCorp Woburn, Mass.

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