FINANCIAL SAFETY

Dear Valued Member,

With headlines about the banking industry failures and other seemingly solid companies virtually collapsing in the wake of the mortgage meltdown, I'd like to again assure you that your money is safe with Access Community Credit Union. Simply put, ACCU remains a strong financial institution for our membership, and has never reported a loss in our 55 years in business.

As an example of that strength, ACCU net worth (or capital) is at 17.0% of assets, more than double the amount required by regulators, and more than one and a half times the credit union average. This capital provides a cushion to protect member deposits, in addition to the federal insurance guarantee of at least $100,000 per individual vesting ($250,000 for IRAs).

Another indication of ACCU's excellent financial position is our track record of earning top ratings from independent analysts of U.S. financial institutions. ACCU was awarded a 5-Star rating - the highest possible - from Bauer Financial. Our audited financial statements may be reviewed by members at the main office at 6401 South Bell, Amarillo, TX.

As for our loan portfolio, ACCU's total delinquency (all member loans combined) is a very low 0.083% (at June 30, 2008) of loan balances, an excellent result attributed to quality underwriting and the fact that we have never participated in sub-prime lending. This ratio compares to delinquency of 1.08% for credit unions nationwide. Our mortgage and home equity loan portfolio delinquency ratio is 0.00% (June 30, 2008), indicating all loans are paid current. We are well capitalized, have money to lend, and have your financial security as our top priority.

In short, Access Community Credit Union is well-positioned to withstand any foreseeable economic turmoil. We are absolutely committed to earning and keeping your trust. I invite you to share your thoughts by e-mailing us at accesscu@accesscu.net or by logging on to our web-site at www.accesscommunitycu.com. Thanks for your business and we hope to see you soon at our main office, 6401 S. Bell, or our new branch at 201 Tascosa Road.

Sincerely,

Keith Watson

President / CEO