Dear Member:

Without a doubt, today's economic climate is a stormy one, and financial institutions have been hit just as hard as anybody by a little bad weather. But we at CommunityAmerica have steered clear of the storm and are not only surviving, but thriving. And just to make sure you're fully reassured about the safety of your money, we want to make you aware of some of the security measures we have in place to insure your deposits.

- First off, you should know that we're fully insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the U.S. Government. And for large deposits, we also have Excess Share Insurance (ESI) for primary savings accounts (i.e., 00 suffix: regular share savings or trust) for an additional $250,000 for regular share deposit balances over $250,000 up to the amount of $500,000. And don't worry, all this fancy stuff comes at no cost to you.

- CommunityAmerica is a responsible lender, and doesn't offer sub-prime mortgage loans. That means we have been able to avoid the significant losses that many financial institutions are currently experiencing. Instead, we're concentrating on growing the credit union to better serve you.

- We have a strong balance sheet and are well capitalized. The National Credit Union Administration (NCUA) defines well-capitalized credit unions at 7 percent equity to asset ratio. CommunityAmerica is at nearly 12 percent.

In short, what you really need to know is that we're working every day to keep your money as safe and secure as possible. That's why we've been able to supply our members with over $14 million in ownership participation dividends over the past 10 years - a statistic that we're pretty proud of.

As always, we're striving to come up with even more ways we can best serve you and your personal financial needs. We look forward to building even further financial success and stability - both yours and ours - in the future.

Thank you,

Dennis Pierce, CEO