b"MESSAGE FROMCEO MONICA BELZ Aloha! Wow. Here we are at the end of year two of a global pandemic, at the beginning of what is likely to become endemic: life with COVID. Like many of you, I am adapting to these circumstances with utmost care. Many businesses have taken a wait and see attitude, adjusting to sudden changes during public health advisories and making the best of it. At Kauai Federal Credit Union, what we do know is that weve been able to help. We've deployed more than $24 million in COVID relief to help keep businesses afloat and to help keep people in their homes. Our first Social Impact Report details how we are making a difference. But the real story is that as a credit union and a community, we are committed to doing so much more. We believe that true financial inclusion and empowerment is a fundamental right. We dedicate ourselves to closing the gaps and removing barriers to financial opportunities so that everyone in our island community can thrive. 24"