© 1999 Credit Union National Association Inc.

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Editorial and Business Staff
James Hanson, publisher
Susan Tiffany, editor
Sue Lanphear, managing editor
Jennifer Erhard, editorial intern
Philip Heckman, director of sales and finance
Kathleen Beckett, director of information technology and systems
Joe Day, manager of business development
Debbie Michels, customer services specialist
Contributing to this issue:
Linda Abbott, Dianne Molvig,
Kristin Baird Rattini, Franny Van Nevel
Design and Production Staff
Roger Napiwocki, director
Linda Des Lauriers, art director
Barb Bender, production coordinator
Sue Day, editorial coordinator
Dorothy Steffens, director, online services
Bob Alderson, managing editor

Editorial Advisory Board

Debra Burnett, manager,
Learning Resource Center,
Eastman CU, Kingsport, Tenn.

Annie Cox, vice president, marketing,
Suncoast Schools FCU, Tampa, Fla.

Susan Cusick, vice president,
community development,
Novi (Mich.) Community CU

Clay Kearley, manager,
Car Facts services and dealer relations,
ORNL FCU, Oak Ridge, Tenn.

Robin Marohn, vice president, marketing,
Heartland CU, Madison, Wis.

Kim Schneider, business development manager, GenFed FCU, Akron, Ohio

Mark Wolff, communications senior
vice president, CUNA & Affiliates,
Washington, D.C.

©1999 Credit Union National Association Inc.