an invitation a tradition of excellence— to the northwest ...€¦ · tory lending...

Issue 5May 2007

601 PENNSYLVANIA AVENUE, NW, SUITE 600, SOUTH BUILDING • WASHINGTON, DC 20004-2601 • (202) 638-3950 • WWW.DCUC.ORG

A VIEW FROM THE BOARD ROOM CEO UPDATE

Roland A. Arteaga

continued on page 11continued on page 9

Roland A. “Arty” Arteaga, President/CEO, DCUC

An Invitation to the NorthwestRalph R. Story, Chairman DCUC, VyStar CU, Jacksonville, Florida

Ilookforwardtoseeingeachandevery DCUCmemberinAugustatDCUC’sAnnualConferenceandmeeting inSpo-kaneWashington. As has been the caseyear after year for 43 years, our annualconferencehaseverythingneededtopro-vide our attendees a superb conferenceexperience. Itallstartswithlocation,andSpokaneWashington and the Davenport HotelhavebeennotedasthePacificNorthwest’s“treasure.” In fact, recent reports in theConde Nast Traveler magazine, listed theDavenport Hotel among the top 100mainlandU.S.hotelsfor2006,andplacedtheDavenportonthe2007“GoldList”ofthe best hotels and resorts in the world!WhenyouaddWashingtonState’s“ever-greens,” Coeur D’Alene, and the resort’sfloating “green” to the mix, I believeyou will agree this year’s location ispictureperfect! The conference begins on SaturdayAugust 18 with the 14th annual ViceAdmiralVincentLascaraGolfTournamentat 7:00 a.m. and an optional tour Lun-cheon Cruise on Lake Coeur D’Alene.On Sunday the Overseas Sub-Councilmeeting takes place at 12 noon and thegrandopeningofDCUC’sShowcaserunsfrom1-3p.m.OurMilitaryRepresenta-tives and Corporate Partners kick-offtheconference’seducationalsessionswith

Since1972DCUC’sOverseasSub-council,consistingofCouncil members with an overseas geographical franchise, has metannuallytoreceiveupdatesfromtheDepartmentofDefense,NCUA,credituniontradeassociations,andcorporateindustry.Yearafteryear

A Tradition of Excellence—DCUC’s Overseas Sub-council Meeting

theprogramimprovesintermsofqualityandquantity…andthisyear’seventwasnoexception!Number35washeldinFlorence,Italylastmonth,andbasedonwrittenandverbalfeedback,simplysaid,itwasoutstanding! Pentagon Federal Credit Union, this year’s co-host, laid the ground work for successearlyonbyaskingLes Janka,VicePresident,STRATFOR, toprovide thekeynoteaddress.And provide he did! Scanning the globe, Les offered his honest appraisal of today’s geo-political and security environments and the uncertainty that lies within each—present andfuture. His analysis provided some insight to the international issues facing the UnitedStates…issues surrounding Russia, China, North Korea, the Middle East, and Africa…andthe instability and insecurity created by the economic, political and national elements ofpower.Attheconclusionofhispresentation,theacronym, VUCA, camereadilytomind—Volatile, Uncertain, Complex and Ambiguous. That’s the environment in which we livetoday; that’s the environment of tomorrow. Understand it…plan accordingly…and in thecaseofdefensecreditunions,bepreparedtocontinuesupportingit,forourmilitarywillbeengagedatoneleveloranother. The Honorable JoAnn Johnson followed Les Janka, and was quick to acknowledgethe commitment of defense credit unions and expressed her deep gratitude to all for theirsupportofthemilitarycommunity.AsidefromherupdateonNCUA,JoAnnaddressedtheagency’ssupportofDoDthepastfewmonths(ontheTalentAmendment)andwasequallyappreciativeofDoD’swillingness toworkwithNCUAandheed theagency’s adviceonallmattersimpactingcreditunions.Theendresults:DoD’sdraftregulationfocusedonthreepreda-tory lending products—payday loans, vehicle title loans, and Refund Anticipation Loans(RALs)…andforthemostpart,eliminatedunintendedandunnecessaryconsequences. CUNA’sChairman,AllanMcMorris, andNAFCU’sSeniorVicePresident, JayMorris,also discussed the Military Consumer Lending regulation, and acknowledged DoD’s goodfaith efforts to do right by credit unions. Although some clarifications are needed, overallthedraftruleisamajorleapintherightdirection,asitfocusesonthetrueintentofthelaw—predatorylending.

2 DEFENSE CREDIT UNION COUNCIL, INC.

DEFENSE CREDIT UNION COUNCIL, INC.

is an association of credit unions serving Department of Defense personnel,

military and civilian, worldwide.

BOARD OF DIRECTORSRalph R. Story

Chairman

Gordon A. Simmons1st Vice Chairman

Billie Blanchard2nd Vice Chairman

Dave DavisTreasurer

Frank PadakSecretary

Robert E. Morgan and Jean YokumMembers

COUNCIL STAFFRoland A. Arteaga

President/CEO

Deborah J. MorelloExecutive Assistant/

Director for Administration

Beth MerloAdministrative Assistant

Jennifer HernandezAdministrative Assistant

Brian BradleyComptroller-Representative

Janet SkedConference Manager

is the official publication of the Council. One copy of ALERT is mailed first-class to each defense credit union as a membership service. Defense credit unions may order ad-ditional copies (three or more) to be mailed in bulk to one address at $10.00 per copy per year. Individual subscriptions mailed first class to defense credit union members are $15.00 per year; to all others $25.00 per year.ALERT is published monthly except for the month the annual conference and membership meeting are held. In accepting a limited amount of advertising (two adver-tisements per issue), the Council as a matter of strict policy does not in any way endorse either the product or the vendor. The right to refuse advertising for any reason whatsoever is reserved. DCUC dues are not deduct-ible as a charitable contribution for federal tax purposes, but may be deductible as a business expense. Reproduction of ALERT material in whole or in part is authorized for Council members only. Address all corre-spondence to Defense Credit Union Council, Inc., 601 Pennsylvania Avenue, NW, South Building, Suite 600, Washington, D.C. 20004-2601. Telephone: 202/638-3950; FAX: 202/638-3410; e-mail: dmorello@ cuna.coop or [email protected]; www.dcuc.org.

Hearts from contributors displayed inside of Tower’s Laurel Branch.Photo provided by Tower FCU

Tower Collects Nearly $24,000 for Children’s Miracle NetworkNatasha Henry, Marketing and PR Communications

Tower members and employees opened their hearts and bought almost $24,000 of “hearts” duringTower’s annual Have-A-Heart Campaign to benefit the Children’sMiracle Network and the Johns Hopkins Children’s Center in Baltimore, Md. duringFebruaryandMarch. Eachyear,foradonationof$1ormore,Towermembershavetheirnameorthenameof a familymember inscribedon a colorfulpaperheart anddisplayed inoneofTower’s12branchesandtheMemberServiceCenteratTowerHeadquarters.Thisyear,thatsamedonationalsocountedasanentryforatwo-basketraffle.Tower’sMillersvillebranchheldtheraffleandraisedthemostoutof11participatingbranches—over$8,100. Oneofthebasketshada“HelpYourGardenGrow”themeandwasfilledwithavari-etyofgardentoolsandaccessoriesincludingflowerseedsandbulbs,pruningshears,windchimesandbirdfeeders.“AFunNightIn”wasthethemefortheotherbasketcontaininganassortmentofboardgames,DVDs,andmovie-timesnacks.Asacreativeandfunwaytoraise funds,Tower’sMemberServiceRepresentativesdonatedpre-packaged fragrances,personalcaregiftsets,booksandchildren’stoysforstaffmemberstobuyduringathree-daySilentAuctionatTower’sLaurelheadquarters.Theauctionresulted inover$515fortheHave-A-HeartCampaign.

Pen Air FCU Participates in Military Saves Week

Patty Veal, VP of Marketing

Pen Air FCU on board NAS Pensacola and NASWhiting Field in Florida partici- patedintheNationalMilitarySavesWeekbyofferingfreebudgetingworkshopsaswellasboothswithbudgetinginformationand“howto”instructionsforenrollingintheMilitarySavesProgram.JohnA.Davis,Jr.,PenAirFCUPresident/CEO,explains,“PenAirFCUhasalwaysencouragedfinancialliteracyandofferedmoneymanagementworkshops.Wearehappytoseethemilitaryalsotakingstepstowardsthisandareevenhappiertobeincludedwiththisnewprogram.”PenAirFCUhasbeeninvolvedwiththeMilitarySavesprogramsince2006byhavingMilitarySavesbrochuresandinformationattheirofficesaswellasalinkontheirwebsite.PenAirFCU’sMarketingDepartmentworkedcloselywiththebases’FleetandFamilySupportServicesduringthisweek incoordinatingevents.HundredsofmilitarypersonnelwereabletogetMilitarySavesinformationandsignup.

DEFENSE CREDIT UNION COUNCIL, INC. 3

GOT NEWS?Get your share of the spotlight! E-mail your

news to Debbie Morello at [email protected].

Hanscom Heroes HomecomingPatricia Warden Conty, Marketing Analyst

Chanel Santillo, third from left, and Melissa Vieira, third from right, celebrate at the Hanscom Heroes’ Homecoming with family members and credit union repre-sentatives. Photo provided by Hanscom FCU

More than 500 people gathered recently at Hanscom Air Force Base for the first Hanscom Heroes’ Homecoming. This community-wide celebrationwelcomedback80servicemembersreturningfromdeployment. The celebration was especially meaningful for two Hanscom FCU employeeswhose spouses were among the returning service members. Both MelissaVieira,assistantbranchmanageratthemainbranch,andChanelSantillo,IRAspecialist,faced months of separation and the task of managing their families, jobs, andhouseholdswithoutanotheradultinthehouse. “Military spouses sacrifice on a daily basis to serve our country,” said PaulMarotta, chairman of the board for Hanscom FCU. “As members of our staff,MelissaandChanelhelpusunderstandtheneedsofourmembersinthemilitary.Thesetwowomenaregreatrolemodelsforus.”

PatsyVan Ouwerkerk, president and CEO ofTravis CU, announced theappointment of Navneet (Nav) Khannaas the new senior vice president/CFO.Khanna joinedTravis CU on April 18,2007. This appointment will allow thecredit union to transition its currentCFOBarryNelson,toanewpositionasSeniorVicePresidentofMemberService. Khanna will be responsible for plan-ning,directing,organizingandcontrollingthe financial activities of the organiza-tion.Additionally,hewilldevelop,imple-ment and maintain accounting systemsandcontrolswhile administering the ac-counting,assetliabilitymanagementandreportingfunctionsoftheorganizationandoverseeriskmanagementfunctions. “This realignment of responsibilitieswill add depth in two key positions inourorganization,”statedVanOuwerkerk.“Additionally,itwillallowustoplaceevengreateremphasisontheimportantareaofmemberservice.” Prior to his appointment, Khannaserved as the Director of CorporateFinance at $1.1 billion Baxter CreditUnioninChicago.Whileservinginthatcapacity, he managed Baxter’sTreasuryfunction, was responsible for their pro-cess improvementandexpensereductioninitiatives, profitability and performancemeasurement functions and account-able for credit union wide strategicplanning and control functions. Ad-ditionally, he was a member/secretary oftheirALCOandPricingCommitteeandwrote their ALM, Liquidity and Invest-mentpolicies. PrevioustohisemploymentbyBaxter,Khanna was a Program Manager witha financial services consulting group inNew York and Chicago—LoBue Asso-ciates. He undertook consulting assign-ments for large domestic and foreignmoney center banks, insurance com-panies and an auto finance company.Some of his disciplines include projectmanagement,postmergerandtechnologyintegration, corporate planning, central

Travis CU Names Navneet Khanna Senior Vice President, Finance & Risk Management and CFO

office restructuring and organizationaldesignandprocessdesign. Nav received his BA in Financeand Economics at the University ofTorontoandhisMasters inInternationalBusiness and Finance at the Universityof Hartford in Paris, France and WestHarford,CT.

Shérry Cordonnier, Director of Corporate Relations


Gordon Simmons, President/CEO of Service CU presents a photograph of Service CU’s corporate headquarters to New Hampshire Governor John Lynch. Photo provided by Ser-vice CU

Governor Lynch and CU Dignitaries Attend Service CU’s 50th Annual Meeting Aimée E. Sundstrom, Marketing Segmentation Officer

ServiceCUheld its 2007AnnualMeetingonThursday,March22 atWentworthby the Sea. This event marked the 50th Anniversary and the 50th Annual Meeting ofthePortsmouth-basedcreditunion. Governor Lynch delivered the keynote speech that evening. Other speakers includ-edPortsmouthMayorSteveMarchand,andNHBankingCommissionerPeterHildreth.CliffordTaylor, Chairman of the Board at Service CU, read a letter of congratulationsfrom President Bush.Guests in attendance were Colonel Richard Martell,Wing Com-manderatPease;RolandArteaga,President/CEOoftheDefenseCreditUnionCouncil,andseveralheadsofregionalandnationalcreditunionassociations. “We began operations in 1957 on Pease Air Force Base with eight founders eachcontributing$5.Overthecourseofourhistory,weexpendedtoserveciviliancommuni-ties in NH and military members around the globe.Although we have grown quitesignificantly,wemaintain the samephilosophy thatwedid50years ago, thatwe are inexistencetoprovideaffordablefinancialservicestoourmembersasconvenientlyasposs-ible,”saidGordonSimmons,President/CEO. “Service CU is undergoing a major expansion effort in New Hampshire,” Sim-monscontinued.“Weopened5newbranchesinthelast12monthsandtwoadditionallocationsareplannedfor2007.Thesebranchesareopen7daysaweekandeveninghoursinretaillocations,affordingadditionalaccessforourmembers.” The Annual Meeting was for credit union members who responded to the creditunion’spostednotices.400peopleattended.ThecreditunionairedaspecialanniversaryDVDat the eventwithmanyhistorical photos of the local community.TheDVDandmeetinghighlightswillbeavailabletoviewonwww.servicecu.org.

Earn Points Using Debit Card? ABNB – First Credit Union in Hampton Roads to Offer Rewards on Debit Card Purchases

David Brandt, Rubin Communications Group

ABNBFCUisbreakingnewground, offering its members reward pointseach time they use their debit card. Asthefirstcreditunionintheregiontoof-fersuchaprogram,itsmemberscannowearnonepointforeverytwodollarsspenton all transactions authorized by signa-ture.Points canbe redeemed forbrand-namemerchandiseandtravelawards. “There’s a significant number ofpeople who do not use credit cards andupuntilnow,they’vebeenunabletopar-ticipate,”saysABNBPresidentandCEOCarl Ratcliff. “The rewards program isourmoderndayversionofS&HGreenStamps.Watching them accumulate is alot of fun, and now everyone can takepart.”ABNBwillalsoallowitsmembersto pool their points, combining debitandcreditcardpointstogether. FormoreinformationonABNBFCUanditsservices,pleasevisitwww.abnbfcu.orgorcall(757)523-5300.

HanscomFCUawardedfiveCondonscholarshipsatitsannualmeeting.CreditunionmembersMariannaBallou,KristenMacDonnell,WilliamDuff,Lau-raDuston,andAlexanderPeppereachre-ceived$1,500towardsthecostofhighereducation. The Condon scholarship is namedinhonorofJohnF.Condon,along-timeboard member who provided invaluableguidance and leadership to the creditunion in 26 years of volunteer service.Scholarships are given to outstandingstudent members graduating from highschool. Qualities considered includescholarship, extracurricular activities, aone-pageessay,andfinancialneed.

Hanscom FCU Awards ScholarshipsPatricia Warden Conty,Marketing Analyst


Pen Air FCU officials, members, and guests cut the ribbon on the new Wharf Office with local Chamber of Commerce. Photo provided by Pen Air FCU

Pen Air FCU Opens New Wharf Office in Orange Beach, AlabamaPatty Veal, VP of Marketing

PenAirFCU isproud to announce theGrandOpeningof theirOrangeBeach,AL officelocatedinTheWharfComplex.ThisofficewillbethethirdPenAirFCUAla-bamaoffice toopenmaking for a totalof15offices for theCreditUnion that ishead-quarteredinPensacola,FL. “Ourmembershipisgrowingandspreadingout,andwehavetogrowwithittokeepit,” commented John Davis, President/CEO of Pen Air FCU. “Our membership hasbeenverygoodtous,andthisshowsthatweappreciatethemforchoosingPenAirFCUtodotheirfinancialbusiness.”PenAirFCUnowhasover93000membersthatitservesandalsohasover30ATMsthroughoutatri-county,two-statearea. GrandOpening festivities,whichwereheldApril12, includeda ribboncuttingcer-emony by the local Chamber of Commerce, live remote broadcast from a local radiostation, giveaways, and refreshments. Many dignitaries, invited guests, and members ofPen Air FCU were present for the opening. The new office is located at The WharfComplexshoppingarea.HoursofoperationareMondaythruThursday9a.m.–5p.m.andFridays 9 a.m. – 5:30p.m.PenAir also installed anATM locatednear theWharfRaveMovieTheaterwithotherATMstocomesoon.

S ecurity Service FCU reported a phenomenal response from theirrecentpromotionoftheDefenseDepart-ment’s “Military Saves”Week Campaignat Security Service FCU service centers.DuringtheweekofFebruary25throughMarch 4, over 1,600 Security ServiceFCU members entered into the moneywise program, representing almost 20%of the campaign’snational enrollee total.Security Service has strong military tiesestablishedwithKellyAirForceBaseandColorado Springs’ Fort Carson ArmyPost and is proud to participate in aprogram that helps provide financialopportunities and education for itsmili-tarymembers. The campaign encourages militarypersonnel and their families to employgreater savings habits to build wealthand reduce debt by providing moneysaving tips, financial awareness, and en-couragement. MilitarySavesispartofthenationwidecampaign, America Saves, sponsored byConsumerFederationofAmerica,theDe-partmentofDefense,theNASDInvestorEducationFoundation,andanationwidenetwork of Defense Credit Unions andMilitaryBanks.PartoftheDODFinan-cial Readiness Campaign, Military Savesencourages leaders to focus attention onencouragingtheirtroopstogetoutofdebtandsavemoney.

Security Service FCU Recruits Numerous Savers for Defense Department’s Military Saves Program

Inez Maldonado, Security Service FCU

The United States Army to Celebrate 232 Years Since its birth on June 14, 1775--over a year before the Declaration of Independence-—the United

States Army has played a vital role in the growth and development of our nation.

It was on that date that the Second Continental Congress authorized the enlistment of ten com-

panies of riflemen in Maryland, Pennsylvania and Virginia. The next day, George Washington was

appointed commander in chief.

Soldiers have fought 11 wars, from the American Revolution through the Cold War, the Gulf War,

to the current War on Terrorism.

The United States Army has been a cornerstone of America’s freedom, military power and service

to other nations and the Defense Council is pleased to wish the Army a Happy Birthday!


Get the latest details on our upcoming

conference in Spokane, WA:

www.dcuc.org

CommonWealth One FCU Contributes to the Harrisonburg March of Dimes WalkVictor Lim, CommonWealth One FCU

CommonWealth One FCU raised a total of $4,257.82 for the Marchof Dimes, an organization which raisesmoney for research, community serviceandeducationforinfantbirthadvocacy. Throughout the months of MarchandApril,CommonWealthOne raisedmoneybysellingBeanBagAnimalBabiesandPaperBooties inthe localbranches.CommonWealth One also sponsored awalking team of 23 team members inthe annual Harrisonburg March ofDimesWalk.Theannualwalkwasheldon Saturday, April 21. The Harrison-burg March of Dimes Walk raised over$95,000thisyear. “Iwasimpressedwithallthepartici-pation we had this year from the Har-risonburg community as well as Com-monWealthOne.It isamazingtoknoweveryonecametogetherforagoodcauseandthatwehadalmost90%participationfromthe townasawhole,” saidMelissaWalters, CommonWealth One Business&CommunityDevelopmentOfficer. March of Dimes Walks are held in1,100 communities across the nation.Every year, seven million compassionatepeople, including 20,000 company andfamily teams as well as our nationalsponsors, participate. These events haveraisedmore than$1.7billionsince1970tobringtheMarchofDimesclosertothedaywhenallbabiesarebornhealthyandfullterm.TolearnmoreabouttheMarchofDimes,visitwww.marchofdimes.com.

Left to right: Joseph Roginski, USA FCU Regional Direc-tor, Japan, and MSgt Steven Flatt, Misawa AB First Sergeant’s Association. Photo provided by USA FCU

Forthethirdconsecutiveyear, theArmedForcesFinancialNetwork (AFFN) awardedUSAFCUanAFFNMatchingGrant.USAFCU,headquarteredinSanDiego,CA,hasbranchesinKoreaandJapan.AFFN’smatch-ing contribution allows USAFederal to provide $3,000 indirect support to Misawa AirBaseFirstSergeants’“OperationWarmheart.” “ThisisthethirdconsecutiveyearthatUSAFederalhasbeenawarded the AFFN MatchingGrant,”saidMaryCunningham,President/CEO of USA FCU.“Ourcreditunionstaffandvol-

USA FCU Awarded the 2007 Armed Forces Financial Network Matching GrantThird successive year to receive AFFN Grant

Nicole Anderson, VP of Marketing and PR

unteersareproudtoshowoursupportofmilitarypersonnelandtheirfamiliesbyactivelysponsoringhundredsofevents,activities,andcelebrations.” AFFN,USAFCUandtheOperationWarmheartorganizationworkcloselytogether.ThegrantwillassisttheorganizationwiththeirmissiontoprovideforthehealthandwelfareoftheassignedAirmenandtheirfamiliesatMisawaAirBase. “AFFNisproudtopartnerwithUSAFCUwhocontinuallyprovidessupporttothedefenseandmilitarycommunitiesworldwide,”saidJohnBroda,AFFNExecutiveVicePresident. “Formorethan50years,USAFederalhassupportedourUSmilitarybymeetingtheirfinancialneeds,Cunninghamsaid.“Wealsosupportthembothhereandabroadinamorepersonal way through the AFFN Grant.We are very proud to have received an AFFNMatchingGrantagainthisyear.Thisisanoutstandingmoralebuildingprogramandwearehonoredtopartnerwiththemtosupportouroverseasmilitarycommunityin2007.” The OperationWarmheart chapter in Misawa assists all Air Force families on base.“We support them in timesofneed for funding andfinancial reliefwheneverpossible,”saidMSgtStevenFlatt atMisawa. “Inaddition,wegive100%ofourproceedsback tothe community every year, so the more we get, the more we can give back as a grant.Norepaymentisrequired.” According to Flatt, last year Operation Warmheart gave away over $4000 in giftbaskets for lower incomefamilieshereatMisawa.Thesebaskets includedgiftcertificatesforthecommissary,foodand/orturkeysandhams.Directfinancialsupporttofamiliesforoneemergencyoranothertotaledover$2,800.

Hanscom FCU Supports ABW AwardsPatricia Warden Conty, Marketing Analyst

HanscomFederalCreditUnionwasamajorsponsoroftheannualawardsceremony for the 66th Air Base Wing, stationed at Hanscom Air Force Base. The annualawards recognize thehighest-performingmembersof theAirBaseWing. In recognitionoftheirefforts,the28nomineesandguestsenjoyedthreedaysofsightseeingandcelebra-tionintheBostonarea.“WeareproudtosupportthemenandwomenatHanscomAFBthatserveournation,”statedPaulMarotta,ChairmanoftheBoard.“Theyexemplifythespiritwevalueinourownorganization.”


DEFENSE CREDIT UNIONS IN THE NEWS…

NewportNews,VA,Langley FCU ispleasedtoannouncetheopeningofanewbranchlocated across from the Chesapeake Square Mall at 4107 Portsmouth Boulevard inChesapeake.Withtheopeningofthislocation,LangleyFCUnowhas15branchestotal.“ThisbranchwillimproveserviceforthegrowingnumberofmemberswholiveorworkontheSouthside,”saidLangleyFCUPresident/CEOJeanYokum.“TheChesapeakebranchmarksLangleyFCU’sfirstventureontheSouthside.Weareveryexcitedtobeapartofthiscommunity.”TheChesapeakeCrossroadsBranchfeaturesanATMwithhoursofoperationMonday-Thursday,9a.m.–4:30p.m.;Friday,9a.m.–6p.m.;andSaturday,9a.m.–1p.m....Jacksonville,NC,Marine FCU,onFriday,April27golfersteedoffinMarineFCU’s13thAnnualCharityGolfTournament.HeldattheJacksonvilleCountryClub,thisyear’seventraised$72,000fortheUSOandHopeForTheWarriors.Manythankstoallthecompa-niesandindividualswhosponsoredthiseventandthegolfersthatplayedinit.LearnmoreabouttheUSOandHopeForTheWarriorsonlineatuso.organdhopeforthewarriors.org.

AirForceFCUispleasedtoannounceits2007BoardofDirectors:ChairmanoftheBoard,Col Sam V. Farace, Jr.,USAF(Ret);ViceChairman,James E. Goodgion,III;Treasurer,Melvin Moczygemba, CPA; Secretary, Joan B. Lopez; and Directors TSgt Michael M. Buecher, USAF (Ret), CCD, CCO; CMSgt Ronald R. Applegate, USAF (Ret); MSgt Larry “Kirk” Kirkpatrick,USAF(Ret);CMSgt Scott M. Aris,USAF(Ret);andMaj. Eben A. Hughes,USAF (Ret)…PicatinnyFCU,based inRockaway, announced itsBoardofDirectorsfor2007atitsannualmeeting.OfficersareJoe Shiposh,Chairman;Nancy Muel-ler-Davis,ViceChair;Jay Decker,Treasurer;Mark Sauvageau,AssistantTreasurer;andJoe Carroll,Secretary.Directors includeBruce Fahlgren,Leon Springer,George Cherenack,Harry Schupe,Valerie Morgan, andWilliam Stank.Paul Agresti was named the Chairof the Supervisory Committee, which also includes Bruce Fahlgren and Lou Hassell.The Chair of the Credit Committee is Sue Coppola. Members of the committeeareRobert Slotnick,Audrey Westington,Mary Lou Kenison,andFrank Cautero…Global CU, Leimomi Garcia was recently awarded the Dominic Allessio Employee of theQuarter.Shewaschosenbyherpeers,winning theaward fromafieldof tennominees.Garcia has worked for Global Credit Union as a member service representative for thepastfourteenyears.“Herabilitytogetanytaskdonewithapositiveandcheerfulattitudeispartofherwinningpersonality.Sheaidsinthetrainingofnewmemberservicerepre-sentatives and sets a great example for her fellow employees.” writes her nominator.…FortBelvoirFCUispleasedtoannounceAndrea Giamberardinohas joinedFortBelvoirFCUasContactCenterManager.Shebrings20yearsofexperience,mostrecentlywithState Department Federal Credit Union, where she was the Assistant Manager of Busi-nessIntegration.

DEFENSE CREDIT UNION PEOPLE IN THE NEWS…

Asaparticipant in theArmedForces FinancialNetwork(AFFN),KeeslerFCUandAFFNhaveteamedupinsup-port of The Fisher House of Mississippi,locatedatKeeslerAirForceBase.KeeslerFCUdonated$1,500andAFFNmatchedthe donation as part of the 2007 AFFNMatchingGrantProgram,foratotalcon-tributionof$3,000. ZacharyandElizabethFisherbuiltthehomesas theirway togiveback to thosewhohavegiventheirallsothiscountrycanremainfree.Therearenow35inoperationacrosstheUnitedStates.TheFisherHouseofMississippi is thesixthtobebuiltandis for families and out-patients receivingcareattheKeeslerMedicalCenterortheVAMedicalCenterinBiloxi.Over2,000familieshavebenefitedsincetheopeninginDecember1992. KeeslerFCUis the largestMississippibasedcreditunioninthestatewithassetsover $1,500,000,000 and over 183,000members worldwide. The credit unionhas twelve branches in South MississippiandfourbranchesonRoyalAirForceBasesin theUnitedKingdom.Formore infor-mationaboutthecreditunion,pleasecall228-385-5500orvisitthewebsiteatwww.kfcu.org. TolearnmoreaboutAFFN,pleasevisitwww.AFFN.org.

Keesler FCU Donates to the Fisher House of Mississippi Nell Schmidt, Director of Business Development

Northern Piedmont FCU 3rd Annual Scholarship PresentationKaren Frazier, Business Development, NPFCU

The2007scholarshiprecipient isMs.MeganWallace,aSenior at Fauquier County High School. She will be attending MaryWashington University in the Fall. The NP FCU Scholarship wasmatchedbytheAFFNMatchingGrantProgram,insupportNPF-CU’s community outreach program to the military, defense, andciviliansintheirfieldofmembership.

Left to right: Presenting the award, Ben McCartney, Chairman of the Board; Megan Wallace, NP FCU 2007 Scholarship Recipient; and Marsha Borland, President and CEO, Northern Piedmont FCU. Photo provided by Northern Piedmont FCU


Good News....The2007AFFNMatch- ingGrantProgramwasannouncedduringthe4thQ2006,andwaslaunch-ed in January 2007.The 2007 AFFNMatching Grant Program was the mostsuccessful program to date,exceedingeach of the previous years’ programs ingrants issued, since thecreation of theAFFN Military Community SupportProgrambackin2004. This year, 31grantswere awarded toAFFN participating AMBA Banks andDCUC Credit Unions.Through thisunique partnership,AFFN & AFFNParticipants have awarded $93,000 insupport to ourtroops and their familiesworldwide. AFFN salutes the leadership, vision,and generosity of ourDCUC CreditUnion Participants in their mission toprovide support to the troops and theirfamilies.• CreditUnionWest&Operation

Thunderbox—LukeAirForceBase,AZ

• PicatinnyFCU&Capt.SeanGrimesScholarshipFund—PicatinnyArsenal,NJ

• NorthernPiedmontFCU&NPFCUScholarshipFund,VA

• SentinelFCU&TheAirmanandFamilyReadinessCenter,EllsworthAFB,SD

• PentagonFCU&TheFisherHouse,CA

• ArmyAviationCenterFCU&TheArmyReliefAssistance,AL

• NorthIslandCU&ASYMAC,USO,NMCRS,CA

• AllSouthFCU&TheSoldiersandVeteransGolfTournament,SC

• LangleyFCU&LangleySaves—MilitarySavesWeek,LangleyAFB,VA

• HanscomFCU&TheCompanyGradeOfficersCouncil,HanscomAFB,MA

• Randolph-BrooksFCU&TheAirmanandFamilyReadinessFlight,RandolphAFB,TX

• KeeslerFCU&TheFisherHouse,KeeslerAFB,MS

2007 AFFN Matching GrantGood News......Bad News....Great News!

John Broda, Executive Vice President

• FirstLightFCU&ASYMCAThanksgivingHolidayMealBaskets,FortBliss,TX

• FortSillFCU&FortSillFamilySupportGroup/LawtonPublicSchools,FortSill,OK

• MidMissouriCU&FortLeonardWoodAppreciationNight,FortLeonardWood,MO

• PenAirFCU&Navy-MarineCorpsReliefSociety(NMCRS),FL

• USAFCU&MisawaAirBase FirstSgt.’sOperationWarmheart,

Misawa,Japan• ServiceCU&TheFisherHouses

—LandstuhlRegionalMedicalCenter,Landstuhl,Germany

• ABNBFCU&TheRudy’sSealChallenge,Norfolk,VA

• SeaWestCoastGuardFCU&DistrictElevenUSCG,CA

• BraggMutualFCU&TheWomen’sCenterofFayetteville,NC

• FortLeeFCU&MilitarySaves@FortLee,VA

• VyStarCU&Navy-MarineCorpsReliefSociety,FL

• AirForceFCU&LacklandFisherHouse,TX

Bad News…Noadditionalgrantapplica-tionswillbeacceptedforthe2007Match-ingGrantProgram.

Great News…Infourshortyears,AFFN&AFFNparticipatingAMBABanksandDCUC Credit Unions have generouslyprovidedover$606,000directlytotroopsand their families and military orientat-edorganizationsworldwide. Thesefundshavebeenusedtosupportourtroopsandtheirfamiliesforavarietyofprojectsincludingchildcare,comfort,communication, calling cards, clothing,food,education,holidaymeals,emergencyaid,recreation,andtravelassistance. The2008AFFNMilitaryCommunitySupportProgramwillbeannouncedlaterthis year, so plan ahead and please plantoparticipate.

Pen Air FCU Creates Special Kids Club WindowPatty Veal, VP of Marketing

PenAirFCU’s“PennySavers”YouthClubmembershave foundvisiting theirCredit Unionanextra special experience. EachPenAirFCUofficehas adesignatedPen-ny Savers Club window—decorated with the Club’s Mascot “Penny the Porpoise”—fortheyouthclubmembers towalkuptoandmaketheirdeposits.This friendlyandhigh-ly visiblewindowmakes it easy for kids towalkup to.There is nowaiting in lines forclubmembers andaccompanyingparents/guardians.Clubmembers can simplywalkupto the window and ring the club bell, the next available Pen AirTeller will serve thatwindow right away.Parents/Guardians accompanying their clubmember childmayalsoconductbusinessatthisspecialwindowaslongastheclubmemberispresentwiththem.ThismakesenrollinginthePennySaversClubrewardingforboththeclubmemberandtheparent/guardian.And,ofcourse,witheverydeposit,theClubMemberscollectstokenstoexchangeforprizes! NationalCUYouthWeek isApril22-38.PennySaverClubmembers couldearn5extratokensfordepositsmadeduringtheweekandgetanadditional5tokensbyturninginthe“StashYourCash”coloringpagethatwasinsertedintheirClubNewsletter.“StashYourCash”isthethemeofthisyear’sNationalCUYouthWeek.PenAirFCUisaproudparticipantintheNationalCreditUnionYouthWeekactivitiesandunderstandstheim-portance of getting the youth involved with understanding money and getting familiarwiththeirCreditUnionearlyon.

For the latest credit union news, visit

www.dcuc.org


(Left to right) Florida State Representative Jimmy Patronis congratulates Mr. and Mrs. Joshua Gay on their new home ownership through Tyndall Federal’s Helping Hands Mortgage Program, as Tyndall Federal’s Vice President of Lending, Keith Rountree, and Mortgage Manager, Pat Vrabel, look on. Photo provided by Tyndall FUC

Home Ownership Becoming a Reality for Tyndall FCU MembersKaryn C. Miles, Marketing Manager

TyndallFederalCUtakesitsmissionofbenefitingitsMembersveryseriously. With nearly $9 million allocated for the project, Tyndall Federal recentlyannounceditsHelpingHandsMortgageProgramwhichoffersa3.99%fixedratewitha30-year term,nodownpayment,andupto103%loan-to-value.Mr.andMrs. Joshua Gay were recently able to acquire their new home throughTyndallFederal’sHelpingHandsMortgageProgram.TheGaysareoneofseveral familieswhohavealreadybeenassistedthroughtheCU’snewprogram.Withthedifficultiesmanyconsumershaveexperiencedinacquiringahomeduetoescalatingprices,thisprogramhelpsmakehomeownershipareality.

updates and presentations starting at 3p.m.onSunday,followedbytheever-pop-ularChairman’sReceptionat6p.m.Thisyear, our reception will be held at theGlover Mansion, and as always, will befilled with endless opportunities to net-work and socialize, and simply unwindandenjoyeachother’scompany! OnMondaywehaveafantasticline-upofspeakersforyou.StartingwithRandallLarsen(FoundingDirectoroftheHome-land Security Institute), who will offerhisthoughtsandinsights“From the Oval Office to the Front Office, to your Kitchen Table,” and followed by the Honorable

Dr David Chu, the Under Secretary ofDefense forPersonnelandReadiness (orhis principal deputy, the HonorableMichaelDominguez),MajorGeneralMi-chaelR.Lehnert(CommandingGeneralMarineCorpsInstallationsWest)andtheHonorable JoAnn Johnson (Chairman,NCUA). The coveted Army, Navy, AirForce Credit Union of theYear awardswill close out themorning session, afterwhich we will hear from our luncheonfeatured speaker, Diana B. Henriques,SeniorWriter,NewYorkTimes.Mondayafternoon calls for an update from ourPresident/CEO, followed by concurrentsessionsona coupleof “HotMarket Is-sues.”ThedayendswithaSocialReception intheDCUC’sShowcase, theclosingof

ourSilentAuctiononbehalfofthePen-tagonMemorialFund(comepreparedtohelpamostworthycause!)andthefinalprizedrawing. TuesdaybeginswiththeGeneralSes-sionandpresentations/remarksfromoursisterTradeAssociations,andhopefully,theHonorableGigiHyland,BoardMember,NCUA. Starting at mid-morning, you’llhaveanopportunitytoparticipateinoureducationalworkshops,breakforacasualluncheonfrom11:45a.m.to12:45p.m.andpartakeinDCUC’sAnnualBusinessmeetingat2:00p.m.Ouroptionaltourof The Best Inland NorthwestWineriestakesplaceshortlyafterourannualmeet-ingandpriortoourgalaaffair—DCUC’s8thannualHallofHonorReceptionandAwardDinnerat7p.m. The conference comes to a formalclose onWednesday with a ContinentalBreakfastforallattendees(membersandguests)followedbyMeaganJohnson,au-thor and motivational speaker, who willenergizeuswithherhumorandenlightenus with her expertise on “Solving theGenerationPuzzle.”Lastbutcertainlynotleast,thefinaloptionaltouroftheweek—avisittoFairchildAirForceBaseandtheirSurvival School and KC-135 refuelingaircraft. ThisisyourchancetoseetheinteriorNorthwest, experience another part ofourgreatcountry,andlearnandnetworkwith your colleagues and peers. If youhavenotdone so, visitDCUC’swebsiteatwww.dcuc.organdregistertoday.Jointhe DCUC family at the incomparableand historic Davenport Hotel, August19-22,2007,andDCUC’s44thAnnualConference.Iamconfidentyourconfer-enceexperiencewillbesuperb!

BOARD ROOM continued from page 1Pack your bags! This is

your chance to see the interior Northwest,

experience another part of our great country, and learn

and network with your colleagues and peers.

If you have not done so, visit DCUC’s website at www.dcuc.org and

register today.


Tyndall FCU Raised over $12,000 to Benefit Local HospitalsKelly R. Potts, Marketing Specialist

Randolph-BrooksFederalCreditUniondonated$1,500tosupporttheRandolphAir ForceBaseAirman and FamilyReadinessFlight program, and through theArmedForcesFinancialNetwork(AFFN)2007MatchingGrantProgram,fundswerematchedforatotalcontributionof$3,000. With many military men and women fighting in Iraq and Afghanistan, assistancefortheirfamiliesisvital.AtRandolphAirForceBase(AFB),theAirmanandFamilyReadi-ness Flight Program support these families and any military member, family member,retiree,orDepartmentofDefenseCivilianwhenassistanceisneeded.Afewoftheprogramsthey offer include networking for families, relocation assistance, baby care essentials fornewparents,andprovidingfoodforthoseexperiencingfinancialdifficulties. “We’re happy that we can contribute to a program that helps our military andtheirfamilies,”saidLisaMack,Randolph-BrooksAssistantVicePresident.Shecontinued,“Asamilitaryspouse,Icanpersonallyspeakabouthowimportantthisprogramwastomyfamily.”“MychildrenandIwereabletouse‘HeartsApartforWaitingFamilies’whichen-abledourfamilytocommunicatewiththeirdeployedDadoveravideophonekeepingourfamilyclose,”sheadded. “Weare thankful for thecontributionsmadebyRandolph-BrooksandAFFN,”saidElizabeth McKinley, Director, Airman and Family Readiness Flight. “These funds willcontinuetohelpusaddresstheneedsofmilitaryfamiliesstationedatRandolphAFB.” Established in 1952 as a not-for-profit cooperative on Randolph AFB, Randolph-Brooks is committed to supporting America’s military men, women, and their families.Randolph-Brooks mission is to improve its members’ economic well-being and qualityof life. With assets exceeding $2.4 billion, Randolph-Brooks serves 250,000 membersfrom23branchesinSouthCentralTexas. AFFNprovidesthemilitarycommunitywithaccesstoATMandpoint-of-saleterminalsnearandonmilitaryinstallationsthroughoutthenation.TheAFFNmissionistoincreasetheversatilityofparticipatingfinancialinstitutionstobetterservetheU.S.Military.

Supporting Randolph Air Force Base’s Assistance ProgramsBonnie Berlanga, Marketing Officer

TyndallFederalCreditUnionhosted its Second Annual Bases for BabiesCharity Softball Tournament to ben-efit the pediatric wings of Bay MedicalCenter and Gulf Coast Medical Center.Withsixteenparticipatingteamsandover30 sponsors, the tournamentonce againprovedtobeagreatsuccess—raisingmorethan$12,000.Inadditiontothesoftballtournament, carnival games and familyactivitiesmadeforaneventfuldayoffun. TheproceedswillallowtheJaundiceMeter and additional equipment to bepurchasedforBayMedicalCenter.Someof the major event sponsors includedCVSPharmacy,BestBuy,Knology,PateElectricandStateNationalCompanies. “Ourgoalwastoraiseenoughfundsto purchase the Jaundice Meter for BayMedicalCenter aswell as extra funds toenable the children and their families tofeel more comfortable during a difficulttime. We couldn’t have done it withoutourwonderfulcommittee,volunteersandall of our sponsors. With their help, wemorethandoubledtheamountweraisedlast year. We are looking forward to aneven more successful tournament in2008,” stated Diane Duval, Bases forBabiesEventChair.

Randolph-Brooks presented AFFN’s matching contribution to the Randolph Air Force Base Airman and Family Readiness Flight Center. Left to right: Lt. Col. Robert S. Jackson, Jr., Commander, 12th Mission Support Squadron; Lisa Mack, Randolph-Brooks Federal Credit Union Assistant Vice President; Elizabeth McKinley, Director; and Msgt. Kavooss Shamloo, Superintendent. Photo provided by Randolph Brooks FCU

Global Donates to Children’s Miracle Network

Linda Backlund, Manager Corporate Communications

In preparation of the annual Cred-it Union Night with the Spokane Chiefs, Global Credit Union raised $1,713.78 by selling paper hockey sticks to it’s members. The mon-ey benefits the Inland Northwest Chapter of the Children’s Miracle Network.


The Defense Credit Union Council is pleased to announce that Meagan Johnson will join us in Spokane, WA as our Wednesday morning speaker. The title ofherpresentationis“How to Solve the Generational Puzzle.” Bright,funnyanddelightfullyobnoxious,MeaganisknownastheGenerationalHumorist.Ifyouthinkyouhaveheardallthereistohearaboutthefourdifferentgenerationsintheworkplace,youhave not heard Meagan’s hilarious spin on how to attract, train,market, manage and retain people from every generation—andnot strangle someone in the process!You will get to laugh whileacquiring tools you can use immediately to improve your multi-generationalrelationshipswithclients,customersandco-workers. Itisbecomingincreasinglyevidentthatcreditunionsmusteval-uatehowtoattractyoungermembersinordertoincreasegrowthforthefuture.Meaganwillhelpustounderstandthismarketandprovideinsightintohowtheyoungergenerationthinks. MeaganJohsongraduatedfromArizonaStateUniversityBusinessSchoolwithaBSinMarketing.ShespentseveralyearsworkinginsalesforcompanieslikeQuakerOats,KraftFoodsandXerox.AteverycompanyMeaganbecamediscouragedtohearallthenegativecomments aboutGenerationX. (GenerationX is the50millionpeoplebornbetween1965and1980.)BeingaGenXerherself,shefeltthesecommentswereunfounded.“Therewasthisperceptionofonlyonewaytogetaheadandbesuccessfulatwork.Thecareerpathmymanagersexpecedme to takewasvery traditional.They seemed tobeunabletolookatadifferentwayoftrainingandcareermanagementthatwasrelevanttoyoungeremployees.”Meaganbegantoresearcheverythingfromsmalltolargecorporationsinorderto find successful ways to work with the younger generation. From that, ZAP THEGAP:SolvingtheMulti-GenerationalPuzzlewasborn. Since 1997 Meagan Johnson has entertained and educated thousands of audiencemembers from all over the globe. She has written a variety of articles about themultiplegenerationsandhasbeeninterviewedformanypublicationsandaudioprograms.Shewrote theGenerationalchapter in thebook,Success is A Team Effort. In2000, shewas the only female speaker on the main platform at the Harley Davidson UniversityconferenceinNewOrleansLouisiana.Afterherpresentation,aHarleyDealertoldher,“YouhavechangedthewayItreatandtrainmyyoungeremployees.” Meagan is an active member of NSA, National Speakers Association. In 2003,she received her CSP, Certified Speaking Professional designation. Currently, only tenpercentofprofessionalspeakersholdthisdesignation.AsaGenXerMeaganwasextreme-lyproudtobeoneoftheyoungestrecipientsoftheCSPdesignation. WelookforwardtowelcomingMeaganJohnsonasourfinalspeakeronWednesday,August22!

SPOKANE CONFERENCE UPDATE

CEO UPDATE continued from page 1

Allan and Jay alsoprovided attendeesanupdateonsuchmattersandissuesasthenewCongressandCURIA.Allandiscussedthebankerattacks,andhighlightedthe“LittleGuy”campaignandCUNA’seffortstochangetheconversationontheHill. Jayaddressedregulatorydevelopmentsandsomenotewor-thy trends amongFederally InsuredCreditUnionsandthecreditunioncommunity. Asalways,thePentagonwaswellrepre-sented.TheDirectorofDoD’sBankingandCreditUnionoffice,“Buzz”Davis,andtheArmy’sandtheAirForce’sBanking/CreditUnionLiaisons,CptDaveSmithandMikeBilbrey,were“presentandaccountedfor.”Theyprovidedanoverviewofthemilitary’s“foot-print,”presentandfuture,andnotedsomeon-goingissues,suchasthe“nocost”landleaseprovisionintheFederalCreditUnionAct(the Air Force’s concern with the “no cost” proviso)andtheArmy’sMWRaffinitycardpilotprogrambeing conducted at Fort Hood by ChaseBank (the violation of the one credit union/ one bank policy).DCUCisworkingwiththerespective Military Departments on theseissues,havingmetwiththeDeputyAssistantSecretaryoftheArmy(FinancialOperations)and the Deputy Assistant Secretary of theAirForce(FinancialOperations)earlierthismonth. LTC Laura Landes, European Com-mand(EUCOM)Comptrolleroffice,MajorDennis Martin, Banking/Credit UnionofficerUSArmyEurope(USAREUR),andNathanMarshall,USAirForceEurope,werealsopresentandtheyupdatedattendeesonTransformation, andhighlightedon-goingeffortsto“stand-up”thenewFourStarCom-mandinAfrica,i.e.,AfricaCommand(AFR-ICOM).LTCLandesandMajorMartinalsodiscussedanumberofcreditunionissues.Of the issues addressed, three dominatedthediscussion—individuallogisticalsupportinItaly(for all credit union employees),ArmedForcesNetwork’s(AFN)policy(as it pertains to permitting third party financial advisors airtime on AFN), and the preparation ofnewStatusofForcesAgreement(SOFA)forBulgaria,RomaniaandAfrica(and ensuring credit unions are included in the SOFA, so they can provide financial services to the troops in those countries). Andspeakingoffinancialservices,thisyear’s industry updates were conductedby Neil Marcous (EVP, Armed ForcesFinancial Network), Sarah Canepa-Bang(President, Financial Service Centers Co-

providedexpertcommentaryonhowbesttofulfillthefinancialneedsofourtroops,theirfamilies,anddefensecreditunions. At week’s end, conferees and guestswereoverwhelminglysatisfied.Thelocationwasideal;theprogramcontentwasexcep-tional; and the networking opportunities(bothinandoutsidethe“classroom”)wereplentiful. DCUC’s 35th annual OverseasSub-council conference may be history,butthememoriesliveon….just as they will in Spokane, Washington at DCUC’s 44th Annual Conference, August 19-22, 2007!

operative) and John Slusher (VP, CUNAMutual Group), and Jeff Garner (Di-rector, Overseas Military Group), whocollectively did an equally superb jobdiscussing their respective products andservices. From the evolution and currenttrends of the ATM/POS network busi-ness to the possible expansion of sharedbranching services (to 7-11’s); from thechallengesfacingmilitarycreditunions(in terms of loan and membership growth); tothe development of military focused pay-mentplans,eachofourcorporatepartners

First ClassU.S. Postage

PAIDABR

22191

Defense Credit Union Council601 Pennsylvania Avenue, N.W.Suite 600Washington, D.C. 20004-2601

The Davenport HotelThe Davenport Hotel is listed among the “top 100 mainland U.S. hotels” in the November issue of Condé Nast Traveler magazine. The designation comes as part of the magazine’s 2006 Readers’ Choice Awards. “How about that,” said Davenport Hotel owner Walt Worthy when he heard the news on his cell phone. Even more good news, the same magazine put The Davenport Hotel on its 2007 “Gold List” of the best hotels and resorts in the world. The Davenport earned high marks for rooms, service, food, location and design. In its review, the magazine called The Davenport Hotel “a Pacific Northwest treasure.” “These honors were earned by each and every one of our employees,” said Davenport Hotel and Tower Managing Director, Lynnelle Caudill. “The building was cold, dark and forgotten for 15 years so we’ve had to re-earn our reputation for operating ‘one of America’s exceptional hotels’ all over again. We‘ve done that in four years which is an incredible accomplishment.” From the magazine’s website: “Condé Nast Traveler is committed to reporting on travel fairly and impartially. We travel anonymously and pay our own way.” Other Washington State hotels on the Gold List were the Fairmont Olympic, Inn at the Market, Alexis, Marriott Waterfront—all in Seattle—and the Salish Lodge and Inn at Langley. No hotels in Idaho or Montana made the list.

“Best in the World” on Both “Top 100” and “Gold List” in Condé Nast Traveler

See for yourself! Visit www.thedavenporthotel.com for more information.

an invitation a tradition of excellence— to the northwest ...€¦ · tory lending...

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