Dear Fellow Members,

We are proud to continually provide you and all our members with the innovative products, services, and educational resources that allow you to navigate your unique financial journey.

We're thrilled to once again partner with the FHLBank of Pittsburgh to provide First Front Door grants to our members who are planning to buy their first home. We hope our members take advantage of this excellent program, as well as our comprehensive My CU Home Connection™ program and mortgage refinancing options.

Also, we are proud to welcome Jefferson as one of our newest Workplace Partners! It is an honor to serve the Jefferson colleagues by providing access to competitive financial products, personalized service, and valuable financial education resources. As one of the region's leading healthcare organizations, Jefferson plays a vital role in strengthening our communities, and we are excited to support the dedicated professionals who care for others every day. A special congratulations to our Business Development team for cultivating the important relationship and officially bringing Jefferson into the American Heritage family.

One of our top priorities is to provide our members with efficient service and modern solutions. We are excited to now offer digital account opening services for both members and non-members, courtesy of our partner, Clutch. Digital card issuance has been another area of focus for us, providing our members with the opportunity to freeze their card and soon, they will be able to receive a new, digital card within Mobile Teller in the event theirs is lost or stolen. We also continue to provide members with service through our virtual associate, Gigi, who you can call or chat with on our website to resolve issues like a forgotten password and much more.

As we look ahead into the spring season, we are excited to put forth our 22nd Annual Member Appreciation Day & Car Show on Saturday, May 16th. This event continues to be a staple of our community and is a tangible way for us to thank you, our wonderful members. There will be something for everyone, from numerous cars of all makes and models to food and games. We are also incredibly proud to continue celebrating the 30th anniversary of our Kids-N-Hope Foundation and hope you will join us for our events throughout the year. We thank all our tremendous Kids-N-Hope supporters!

We are also eager to continue growing and serving new members. This summer, we will be starting service with our first branch in the Lehigh Valley. More details will be coming soon about this new branch.

I want to take a moment and thank you for being a valued member of American Heritage. We've experienced tremendous growth and development in my 47 years serving as President & CEO. Yet our core values and philosophy have remained the same since our start in 1948 as the Budd Company Workers Federal Credit Union. We have remained committed to providing our members with the right solutions and premier service to accomplish major milestones in life. Your continued trust and loyalty to American Heritage is appreciated.

Thank you, stay safe and healthy, and God bless America.

Bruce K. Foulke, President/CEO