NAFCU very much agrees with Mike Welch's assertion that credit union groups that exclude nonaffiliated members are making a mistake ("Some Mistakes Are Bigger Than Others," CU Times, Dec. 1). That is why in our advertising we encourage members and nonmembers alike to attend all our conferences and programs. NAFCU welcomes any credit union that wishes to participate in its educational offerings. Fred Becker NAFCU President/CEO Arlington, Va.

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