Dear Heather,

First of all, congratulations to you and your colleagues on the Credit Union Times' 25th anniversary! The publication has been a valuable sentinel of the credit union industry and has helped shine a light on many noteworthy events and issues over the years.

On that point, NAFCU appreciates your astute comments about the issues that will indeed have significant impact on the industry going forward: field-of -membership and chartering rules.

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