SF Fire Credit Union

As the Credit Union’s chief financial officer, it is my pleasure to provide this financial summary and highlights for the past year. While just a ‘snapshot’, it does tell of a 2007 which saw continued success and financial growth despite a changing and challenging economy. We continued to provide you with extremely competitive pricing on deposits and loans, and at the same time eliminated most of our service related fees.

2008 will mostly likely bring with it an uncertain economy. 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 bringing you innovative products and services in the coming year.

Richard M. Smith Senior Vice President, Finance