To: All members of the BTHS Credit Union

From: Board of Directors, BTHS Credit Union

In the past few months we have all been reading and hearing about all of the trouble with the banking industry. We want to assure you that we, the BTHS Credit Union, read the same things as you and then we sit back and “thank our lucky stars” that these worries are NOT our worries!!!!!

We, the Board of Directors of the Credit Union, over the past 54 years of operation have always taken a very conservative approach to our investments and spending. We have investigated credit cards and mortgages as a means of making some income but have always turned our backs to these particular types of investments because we felt that the risk was way too high for the rate of return. We have continued to be a conservative operation that deals with simple savings plans and loans for cars, boats, trailers, etc. Our means of investments have always been VERY SECURE and are also insured by the federal government. The State auditor in January, 2008, has listed our degree of risk with investments as “low.”
Be advised that our net worth is over 2.5 million dollars and that your personal account with the credit union is insured by the federal government for amounts up to
$1 OOOOO.

We have been around for 54 years and we plan to continue to be around for another 54 years!

You can sit back and relax the Credit Union is here to stay and we aren’t worrying about anything that is going on with those other banks!