SF Fire Credit Union

Diana Dykstra, President and CEO

It is my pleasure to welcome you to the 58th Annual Meeting of the Members of SF Fire Credit Union. This is the time for us to look back at the previous year, and look forward to what we know will be a future filled with continued prosperity.

SF Fire Credit Union has remained steady in the tough economic climate of the past 18 months, with a steadfast commitment to providing outstanding value and exceptional service. We continued to meet the borrowing needs of members, while at the same time rewarding savers with dividends that comprised 53% of our total income distribution.

Accomplishments in the areas of service and innovation have been many over the past year, including a new Visa Credit Card Program, a new public website, enhancements to online banking, and an intuitive new online BillPay. New and exciting changes will continue in 2009, including the expansion of our Call Center hours going to 6:00am-10:00pm, 365 days a year, beginning April 1st.

Thank you for your continued support. This is your Credit Union and your participation is important, necessary and appreciated. I welcome any and all feedback as to how we can improve serving the financial needs of you and your family.

Diana Dykstra