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2 Robert O. Holmes Chairman 2 MESSAGE FROM THE CHAIRMAN As Chairman of Chartway Federal Credit Union's Board of Directors, I would like to begin by thanking all of you — our loyal members — for your continued support of our credit union family. I want you to know that we are committed to putting your best interests and your needs at the forefront of everything we do. I would also like to thank my fellow board members, our generous volunteers, and our committed employee team for their determination, dedication, and drive. These individuals come to work every day to help make our member's lives more affordable and to improve the communities we serve. I am deeply proud of the ways in which they have worked together as "One Family" driving our "Member First" mentality in all of our markets like never before. Thanks to the contributions of these talented people and the support of our members, there is much progress to report. 2016 was an outstanding year marked by growth, strength, exciting innovation, and unity. Under the strong, values-based guidance of our President & CEO, Brian Schools, and his dedicated leadership team, we continued to be recognized for our financial strength, our member and employee experience advancements, and for being an award-winning leader in charitable giving through our We Promise Foundation and CARE Team. I am particularly honored to highlight three major achievements our credit union realized throughout the past 12 months. Foremost, we unveiled our new Vision, Mission, and Values – the cultural cornerstones that serve as our compass, guiding our decisions and actions - as we march Chartway forward: Our Vision Serving our communities to make your life affordable. Our Mission The Chartway family of members and employees invests in the good of our community. Through our shared values and goals of living affordably and being financially optimistic, together we prosper – through service relationships and providing sound financial opportunities. Our Values Promoting the philosophy of People Helping People Exceeding the expectations of those we serve Building positive, lifetime relationships built on respect, courtesy, and integrity Inspiring our employees and volunteers in the pursuit of excellence Improving the communities we serve