© 1999 Credit Union National Association Inc.

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CUNA & Affiliates offers hot links to other World Wide Web sites from H&FFO as a service to subscribers. CUNA & Affiliates does not endorse, approve, or control these external Internet Web sites (or any specific commercial product or service their pages mention), or guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information their pages contain.

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Editorial and Business Staff
Mark Condon, publisher
Susan Tiffany, editor
Sue Lanphear, managing editor
James Hanson, editorial director
Philip Heckman, director of sales and finance
Kathleen Beckett, director of information technology and systems
Joe Day, manager of business development
Debbie Michels, customer service specialist
Contributing to this issue:
Sharyn Alden, Mary Ann Pels,
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, manager, on-line services Bob Alderson, managing editor


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

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

Mark Wolff, communications senior
vice president, CUNA & Affiliates

Liz Letcavage, assistant vice president,
communications, Pennsylvania CU League, Harrisburg

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

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




©1999 Credit Union National Association Inc.