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I have opted to offer an opinion on the recent announcement of impending conversion of First Technology from a credit union into a mutual. I offer the unique perspective of having gone through such a conversion in 2000. I am the chief operating officer of Atlantic Coast Bank and the former president/CEO of Atlantic Coast Federal Credit Union. I will retire from Atlantic Coast Bank in early 2012, having spent approximately 11 years in banking and 21 years in the credit union world. 

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