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What Lies Ahead

An examination of 2003 industry trends offers insights into what CU leaders should plan for

Page 7

The Good News

Two separate trend analyses see generally good news in the credit union numbers

Page 10

FOM Activity

Mergers and Community Charter expansions were rampant during 2003

Page 12

Breaking The Window

The spread of the Windows operating system to ATMs is exposing them to viruses

Page 13

Study Examines EFT

Study suggests that the Canadian EFT model has no advantages over the U.S. model

Page 14

The Value Challenge

Growth in community charters is only adding to difficulty of promoting member value

Page 14

A Healthy Advantage

Credit unions offer advantages over many other employers when it comes to health care

Page 15

Segway'ing Into Loans

Calif. CU is offering loan package on Segway transporters

Page 16

One CEO's Strategy

CEO has fueled growth using marketing, pricing and cost cutting

Page 18

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