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In all likelihood, this will be my final newsletter article as your President/CEO of Heritage Family Credit Union as I plan my departure from work and head into retirement. I should begin by thanking my dear friend, Floyd
VanGuilder. Nearly 48 years ago, he appointed me as a volunteer to the
Credit Committee, which later became HFCU. After a stint on the Board of
Directors, I became President in 1978, 36 years ago.

My time was filled with events and achievements that we shared with the many other volunteers and professionals. Today we stand proudly, with 375 million in assets, 160 employees and 9 branches, as a trusted financial solution to the nearly 40,000 members that we serve.

Although my retirement will begin soon, my connection will remain as an advisor to the Board of Directors.

It has been a privilege and high honor to serve as your President/CEO. Please know how gratified I am for the support that so many of you gave me over the years.

THANKS and farewell.

-Ron Hance, President

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