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Successfully navigating the perilous seas of the deepest economic decline since the great depression and a global credit market meltdown was no easy task… congratulations. Sure most of us have some water in our boat needing to be pumped (not bailed) out, but we were available for members when they needed us most. Coming into the recession, the fundamentals of solid capital levels and disciplined underwriting helped us weather a serious storm. From this position of strength we helped a record number of members improve their cash-flow through refinances, extended credit when others had exited the market and provided a safe haven for member deposits.

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