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I enjoyed reading the letter from Robert J Larison, who was the CEO of Atlantic Coast FCU and then converted to a mutual savings bank [Nov. 9 issue, page 10]. His letter reminds me of Flip Wilson’s character Geraldine, who always said, “The devil made me do it.” While I applaud Larison for recognizing that every institution has the right to determine its own destiny, I question many of the premises for why his credit union changed its customer service after the charter conversion and failed to align with his customer’s goals.

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