Dear Readers,

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It is The Credit Union Journal's pleasure to once again present to you this most comprehensive directory of everything you need to know about America's credit union community. The 2005 Credit Union Journal Factbook & Buyer's Guide represents the largest edition ever published by a credit union newsweekly.

As the nation's leading credit union newsweekly, The Credit Union Journal seeks to provide all the information readers need. In addition to the excellence represented by the weekly reporting of The Journal, the 2005 Factbook & Buyer's Guide is provided to readers as part of their subscription and at no extra cost, and provides information on a wide range of products and services.

This year's Factbook & Buyer's Guide includes listings representing more than 195 providers in all areas of the credit union industry. In the following pages you will find more than 100 categories to help you research and compare vendors in a variety of areas. We trust this resource guide will come in handy throughout the year as an easy-access reference to new products and services.

This Factbook and Buyer's Guide has been published as a resource to our readers. It will also soon be available online at www.cujournal.com. In both cases, we invite and welcome your feedback and comments on how we can improve-or answer questions on how to ensure your company is listed in the 2005 edition.

Please feel free to contact me at 888-832-2929, or at ghalpern cujournal.com.

Best Regards,

Greg Halpern

Advertising Services Director

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