b'A MESSAGE FROM OUR CEOAloha mai kkou,For 75 years, our small credit union has beenOverthepastyear,ourcontinued makingadifference,ontheprincipleofsupport of the community through loans, people helping people. investments,rentandutilitiessupport, grantsandscholarshipstotaledover$50 A year ago, as we embarked on our 75th year,million.Ourassetbaseincreasedto$150 webecameKauaiFederalCreditUnion,million. In partnership with the County, we simplifying our name, reaffirming that we arehave dispersed over $27.5 million in rent and of Kauai, for Kauai, and dedicated to thoseutilities assistance, most to individuals who who teach, serve and protect our island. areearninglessthan50%oftheaverage Thisyear,webegintheexcitingjourneymedian income in our region.toanotherbranchandthebirthingofanMostimportantly,weareastrong, economic resilience center in Kapaa.cohesive team. Joining arms with financial WehavelearnedthatKapaameansholdcooperativesnationallyandworldwide, steadfastandwearesteadfastinourtoinvestinhousingstability,business commitmenttocreateamoreequitable,innovation and support for our non-profits regenerative economy. and essential services.Asafinancialco-operative,oursuccessIn the aftermath of COVID 19, we are forging belongs to our members. We grow together.apathwaythathonorsourfoundational PuttingdownrootsinKapaaenablesusvalues and secures a prosperous future for to leverage all the tools at our disposal as aour keiki.Community Development Credit Union. ItsbecauseWEBELIEVEinwhatweare doing, that we can create success for others.Me ke aloha,The restored Otsuka building will become a landmark for what can be accomplished by putting people over profit.Monica Belz Kauai FCU President/CEOThiscapacitybuildingisalreadyunderway.'