SF Fire Credit Union

As the Senior Vice President, Finance/Lending for SF Fire Credit Union, it’s my pleasure to provide this financial summary and highlights for the past year. While just an overview, it does tell of a year which saw growth despite challenges associated with the troubled economy.

2010 will likely see a continued tough economic climate. Rest assured that SF Fire Credit Union will continue to operate in a fashion which places the utmost importance on safety, security and soundness. We appreciate your continued loyalty and support, and look forward to providing you and your families with outstanding service and exceptional value.

Richard M. Smith Senior Vice President, Finance/Lending