This website contains copyrighted material the use of which has not always been specifically authorized by the copyright owner. We are making such material available in our efforts to advance understanding of the credit union industry and issues. This constitutes a "fair use" of any such copyrighted material as provided for in section 107 of the US Copyright Law. In accordance with Title 17 U.S.C. Section 107, the material on this site is distributed. If you wish to use the copyrighted material from this site for purposes of your own that go beyond "fair use", you must obtain permission from the copyright owner.