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Message from the Chairman & President

As 2010 winds to a close, we wanted to take this opportunity to first, thank you for being a member of The Coca-Cola Company Family Federal Credit Union (TCCCFFCU); and second, to give you an update on the state of the credit union as we head into 2011.

Last year, the Board of Directors of TCCCFFCU made some hard financial decisions to better align the credit union for the future. We are happy to say that these decisions have borne fruit throughout 2010; we are ending the year with a strong contribution to capital and we received a very positive review rating from our regulatory examiners. With mortgage rates at historic lows, we are seeing a strong loan demand and we have the money to lend. We are working on our Capital Plan and are hard at work to reach our 2020 Vision for growth and sustainability.

We hope you like the new design of our website. We will be continuing to keep it fresh, with updated educational videos and more links to products and services to help meet your financial needs. In addition, a new website has been set up for potential members, where they can learn more about how TCCCFFCU can partner with them to reach their financial goals. Our new Coke Zero design of our VISA® Debit Card was introduced this fall, and activation numbers are high. We are getting ready to implement several online services in 2011, such as online member applications and mobile banking. We are trying to reduce our environmental footprint with several paperless initiatives and some "green" loan products.

We were granted approval this summer to expand our field of membership to the many companies and consultants that support The Coca-Cola Company. This will allow us to provide credit union services to many workers already at the AOC and other campuses, as well as their family members. We are excited to offer this access, which has been requested of us for many years.

In all, 2010 was a successful year, in which we saw unprecedented regulations aimed at the financial services industry that needed to be implemented. We upgraded programs for operational efficiencies and were able to align our balance sheet for more structured growth. But, our biggest success is the more than 13,000 TCCCFFCU members who rely on us for their financial needs each and every day. We wish you a wonderful holiday season and a prosperous new year.

Steven M. Simmons
Board Chairman

Annlouise Peroutka

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Images may be from one or more of these sources: ©Thinkstock, ©iStock, ©Fotolia. ©2011 The Coca-Cola Company Family Federal Credit Union, PO Box 1734, Atlanta, GA 30301
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