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In response to your latest online voting poll about lack of membership growth, we need to do a better job of telling the consumer we are convenient. I think they believe we have too few ATMs and insufficient branches. Given the 25,000-plus CO-OP Network surcharge-freeATMs and, for many, shared branching, we can offer more ATMs than any bank and considerably more branches than just those owned by a single CU. The challenge is to educate both existing members and potential ones as well. Charles E. Hale Vice President of Marketing Visterra Credit Union Moreno Valley, Calif.

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