September Anniversaries

Wauna Credit Union is growing fast (if you want to join us check out our careers page). The main reason for that is the great service our amazing employees provide our members. Our September anniversaries work in a variety of departments at WCU.

Audrey McTague – 4 years
What is your current position?
I’m currently a Lending Support Specialist II, but I’ve worn a few different hats in my time at the credit union. I’m an underwriter/lending admin for our consumer loans and our mortgages.  Our members are the auto, RV, and toy dealers and branches.  If you have a loan question, call lending admin.  One of the things that makes Wauna great is we look for ways to do loans and not decline them.  We’re experts in the credit union’s offerings. Sometimes members come in asking for one thing, and we’re able to recommend a product that will help them even more.

What is your favorite WCU memory?
My favorite memory is back when I was a Member Service Officer, when an older member came in after her husband died and thought she was going to have to give her car back because it wasn’t in her name and didn’t know what she was going to do.  We were able to help her and she was in tears of joy, beside herself and was so glad she came to talk to us.  She was very sweet and brought us homemade treats at Christmas time.Audrey McTeague

What is something you like to do when you’re not at work?
When I’m not at work, i’m home doing gardening, reading a book or visiting family.  I love doing all three.

Laura Lovegren – 2 Years
What is your current position?
As of October 1st I am the Financial Center Manager for the Clatskanie Branch. Prior to that I was an ETF Clerk. As the FCM, I make sure that everything is running smoothly, so we can provide our members with the care they have come to expect from WCU. Whether that’s helping a member with a financial issue, coaching the great group of Member Consultants become leaders, or simply listening to members tell me stories about what is important to them. I grew up in Clatskanie, and this branch has always been an important part of the community, as well as are headqLaura with the teamuarters. It’s an honor to work here.

What is your favorite WCU memory?
There are so many great memories over the years, but my favorite memory just happened. It’s starting my role as the Clatskanie Financial Center Manager. I’m excited to set new goals for our branch, and help serve the community.

What is something you like to do when you’re not at work?
I enjoy spending time with my family, friends and four dogs, clam digging. Growing up here really led me to enjoying all the community has to offer.

Hannah Coffey – 1 Year
What is your current position?
I’m a Member Consultant at the Astoria Safeway Branch. My job is to help members with their day to day transactions, as well as help them get set up with new accounts, loans, and any other needs they may have. Working at the Safeway Branch is great because I get to see so many members of the community. I always like to remind them to add milk to their grocery list.Hannah

What is your favorite WCU memory?
My favorite memory at WCU so far was LSI training. The two day training began about a month after I started. At the time, all of the information was a little over my head, but it made me excited to work here. Everyone came together and turned a long two days into something fun and exciting. I love working for a company that strives to keep not only it’s members happy, but it’s employees as well.

What is something you like to do when you’re not at work?
When I’m not at work, you can find me outside! I enjoy activities like fishing, hunting, camping, – and most of all – hiking. I’m always looking for new places to explore, especially places that my dog can enjoy too.

Others

  • Danea Passmore – 12 Years
  • Dawn Miller – 4 Years
  • Ian Wiggins – 3 Years
  • Brittany Warren – 2 Years
  • Lidia Sanchez – 1 Year

Call for Nominations for Board of Directors

The thing that sets a credit union apart from other financial institutions is that we are governed by our members, not our shareholders. That means each year we elect a Board of Directors from our membership. Today Wauna Credit Union is announcing it’s annual Call for Nominations for candidates for the 2018 elections for its member-elected, volunteer Board of Directors. Elected officials help to set the direction and policies for our member-owned, member-directed financial institution.

Download the application here.

Qualifying candidates must be a current Wauna CU member, at least 18 years of age, their membership shall be in good standing, and any potential conflict of interest does not exist, such as a close personal relationship with a Wauna CU official orWauna Credit Union's 2017 Board employee. Other conditions may apply. Qualifying candidates will be interviewed by the Credit Union Governance Committee, which is responsible to select the final slate of candidates for the 2018 election. Candidate applications are now available at any branch, by mail (call to request: 800-773-3236), and on our website. The deadline to submit a completed application is close of business Friday, November 10, 2017. The By-Laws do offer a petition option; petition deadline is February 8, 2018. There will be no nominations from the floor during the 51st Annual Meeting.

If you have questions, please contact the Board Governance Committee Chair, Chrissy Johnston, at 503-728-6124 or by email at gcomm@waunafcu.org.

The next elections for open positions on the Board of Directors will be conducted by electronic ballot, commencing February 14, 2018, and concluding at Midnight, March 14, 2018. Election results will be announced during the business meeting of the 51st Annual Meeting, Tuesday, March 20, 2018, 6:30 p.m. at the Wauna Credit Union Learning Center, 49249 Hwy 30, Westport, Oregon.

Statement Insert – October 2017 Mobile Wallet, International Credit Union Day, Board of Directors Nominations, Account Updater, IRA

Quarterly Insert-OCT2017 Page 1Quarterly Insert-OCT2017- Page 2

Page 1
Mobile Wallet Is Here!
Wauna Credit Union just turned your phone into your wallet! We have agreements with the three major mobile wallet providers (Apple, Alphabet (Google/Android), and Samsung) so you can use your Wauna Credit or Debit cards with their mobile payment apps.
Signing up is simple. Pick your favorite mobile wallet, be it Apple Pay, Android Pay, or Samsung Pay, and add your Wauna Credit Union VISA or Debit card, then shop at participating locations.
With your Wauna Credit Card loaded on your mobile wallet, you can simply pay with your phone. Just tap it to the payment station and go on as normal — you don’t even need to open the app.
Samsung Pay, Android Pay, Apple Pay

Call for Nominations
Join our Board of Directors
Flip the page to learn how

International Credit Union Day is Oct. 19!
We’re Celebrating All Month
As a member/owner of Wauna Credit Union, you are taking an active role in one of the most vital democratic movements in the entire world!
Credit Unions are financial cooperatives. We improve communities and the lives of those in the community by helping people buy homes & cars, borrow & save money, and of course build credit. As a not-for-profit entity, instead of making profits, any extra income we earn goes back to our members in the form of lower rates & fees.
Please stop in any branch to help celebrate this great union! We’ll be giving away freebies, and members can win $$ all month! Plus, we’ll have snacks and raffles on Oct. 19 for the official ICU Day. See you there!

Page 2
Call for Nominations! Join Our Board of Directors
51st Annual Meeting Scheduled For Tuesday, March 20, 2018
Wauna Credit Union announces its annual Call for Nominations for candidates for the 2018 elections for its member-elected, volunteer Board of Directors. Elected officials help to set the direction and policies for our member-owned, member-directed financial institution.
Qualifying candidates must be a current Wauna CU member, at least 18 years of age, their membership shall be in good standing, and any potential conflict of interest does not exist, such as a close personal relationship with a Wauna CU official or employee. Other conditions may apply. Qualifying candidates will be interviewed by the Credit Union Governance Committee, which is responsible to select the final slate of candidates for the 2018 election. Candidate applications are now available at any branch, by mail (call to request: 800-773-3236), and on our website. The deadline to submit a completed application is close of business Friday, November 10, 2017. The By-Laws do offer a petition option; petition deadline is February 8, 2018. There will be no nominations from the floor during the 51st Annual Meeting.
If you have questions, please contact the Board Governance Committee Chair, Chrissy Johnston, at 503-728-6124 or by email at gcomm@waunafcu.org.
The next elections for open positions on the Board of Directors will be conducted by electronic ballot, commencing February 14, 2018, and concluding at Midnight, March 14, 2018. Election results will be announced during the business meeting of the 51st Annual Meeting, Tuesday, March 20, 2018, 6:30 p.m. at the Wauna Credit Union Learning Center, 49249 Hwy 30, Westport, Oregon.

New Card? No problem!
VISA Account Updater
Wauna Credit Union is proud to announce VISA Account Updater, a free, automatic service for members who have automatic payments connected to their WCU debit or credit cards.
Now, when you get a new Debit or Credit Card, VISA Account Updater automatically updates all of your installment payments and subscription services with participating merchants. That means no more missed payments when your card expires or needs replacing.
We’re working every day to make life easier for you.

Live For Today!
Plan for Tomorrow
Starting an IRA to save for retirement or your children’s college education can be easy and pain free. Speak to a Member Consultant at any Wauna CU branch to learn just how simple saving for the future can be.
We’ll help you play more and worry less.

Important Notice: For Holders of IRAs
Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of payment. To change your withholding election, complete the appropriate form provided by Wauna Credit Union. Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

The Credit Union Difference

Wauna Credit Union was formed, and continues to act, for the purpose of serving our communities of Clatsop, Columbia, and Western Washington Counties in Oregon, and Pacific County in Washington. We talk a lot about our charity, and about serving our members. What we spend most of our day-to-day work on is being a financial institution that is working to help our members achieve their dreams. A huge part of that is being a not-for-profit credit union instead of a for profit bank.

We put together a video on what that difference means for us. Check it out to hear about the Credit Union Difference.

In addition, ECONorthwest created an independent analysis that analyzed the gross economic impacts of credit unions in Oregon and Washington. The study measured the jobs, economic output, and income Wauna Credit Union contributed to the economy in 2016.

Wauna Credit Union's Economic Impact Wauna Credit Union Impacts Direct Member Benefit 21, 564 number of members Jobs 90 jobs Income $5,426,000 income to credit union employees economic contribution $10,277,00 spending and compensation total economic impacts direct member benefit $1,899,00 Jobs 269 jobs Income $11,699,000 income supported by credit union employees Economic contribtuion $25,634,000 spending and compensation

The Equifax Breach: Your Comprehensive Guide.

UPDATE: In light of the Equifax breach and the fraud attempts on our members’ Credit Cards, ACH payments over $500 will have a 6 day hold placed before the funds will be made available to the member. Unfortunately there is not a way to narrow the ACH to just Telephone Payments, so it does apply to all ACH payments (web, recurring, etc). There also is not a way to exclude our routing number, so it will also apply to payments drawn on Wauna Credit Union Accounts.

There’s been a lot of news about the Equifax breach recently. We put together a guide to help our members understand what happened, and what the steps are to protect your information.

Who is Equifax?

Equifax is a consumer reporting agency and one of the three largest credit bureaus in the nation that retain the aggregate credit information of some 800 million American and Canadian citizens, including more than 88 million businesses internationally.

Why would they have my sensitive information?

Credit card companies, banks, credit unions, retailers, auto lenders, and mortgage lenders all report this information and the details of your credit activity to the major credit reporting agencies. Every time you open an account, which extends you credit, that company or entity reports the status of your account/s to these bureaus.

What happened?

In May of 2017, hackers trolling the internet for computer systems containing an exposed security flaw, discovered an Equifax server using outdated Apache software vulnerable to such an attack.

What was stolen and how many were compromised?

Social Security numbers, birth-dates, addresses, names, and in some cases, driver’s license numbers, credit card numbers, and other documents, are among the data stolen in a breach that has affected more than 143 million US-based users.

Have I been breached?

Many of our members are wondering if they are affected, and if so what to do. The FTC has provided some guidance, but we have included some main steps below. If you do find that you were included, don’t worry, but protect yourself and take advantage of the Equifax services for those whose information was made available.

What do I do?

Guarding your personal information is a huge priority for Wauna Credit Union, and by using advanced fraud-monitoring technology and services, our committed staff is persistently watching your accounts for suspicious activity. In the wake of the Equifax breach, thieves may be even more prevalent in their attempts to steal your information. They might try one or many of the following in order to access your accounts:

  • Fraudsters may use spoofed phone numbers to contact the Credit Union (caller IDs may show member’s actual phone number).
  • Suspicious callers are stating they are members, having all the accurate information needed, including name, DOB, DL #s, addresses, transaction history on cards, and traditional info we might ask a person over the phone to ID them.
  • Attempts are being made to place travel notifications so fraudsters can use the cards outside of our members’ normal usage areas.

We understand how overwhelming the thought of identity theft might be, but there are ways to protect yourself against fraud, including steps you can take right now.

1. The best and first place to start is finding out if your data has been exposed. You can do this by entering your last name and the last six digits of your Social Security number at Equifax’s website. The site will tell you if you’ve been affected by the data breach*.
*As of 09/29/2017 this service has been listed as “temporarily unavailable”. Continue to check regularly as Equifax catches up to mass inquiries.

2. Whether or not you’ve been compromised, U.S. Equifax consumers are eligible for year of free credit monitoring and other services**. The site has provided a date when you can come back to enroll.
**Equifax has confirmed people who enroll in the credit monitoring program as a result of the breach would not waive their right to class action.

3. Use strong passwords and always be aware of the information you provide when opening an account, conducting a transaction, or anywhere you might be transferring secure information.

4. Review your free credit reports. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). Get started here.

5. Take the time to monitor your accounts for unusual activity! Accounts on your credit reports that you didn’t open, inaccurate information, or credit inquiries from entities you’ve never contacted are all potential red flags that require immediate attention. If you find evidence of fraud, let us, the appropriate financial institution, and/or the credit reporting bureau know immediately.

6. Open a my Social Security account, which will prevent the bad guys from creating an account in your name, even if they’ve made off with your Social Security number.

7. Consider placing a credit freeze. Placing a credit freeze makes it more difficult for a thief to open a new account in your name. FYI, however, a credit freeze will not prevent a thief from making changes to your existing accounts.

8. Set a fraud alert, which requires creditors to verify your identity before issuing a credit card, opening a new account, or increasing a credit limit on an existing account. A fraud alert will not stop a lender from opening credit in your name, but it does require lenders to take additional steps to verify your identity beforehand. Better to be safe than sorry.

9. If you discover your identity has been compromised, you should file an identity theft report with the Federal Trade Commission (FTC) at identitytheft.gov or by phone at 1-877-438-4338.

10. Due to the increased amount of information available, some people are theorizing that we will see an increase in tax return fraud, so if possible do your taxes as early as possible this year.

Our staff is well-trained in sniffing out potential thieves, but we also need you to be vigilant in watching any accounts you may have outside of the Credit Union. Further, don’t click on suspicious links, don’t open attachments, and don’t respond to emails, text messages, or phone calls that are soliciting your information — no matter who the caller or sender is claiming to be.

In the meantime, rest assured that Wauna Credit Union is working around the clock to safeguard your finances, and we are here to answer any questions or concerns you might have.

For a list of FAQs regarding the breach, please visit https://goo.gl/tGWzP2, and as always, we are here if you have questions or concerns you wish to discuss.

Statement Insert – September 2017 – Back-to-School, VISA for Vacation, Auto Sale, It’s Not Too Late for a Boat

 

Back To School Counting Down the Days Your Secret is safe with us Wauna Credit Union is ready to help make Back to School as painless as possible!  Instant Money Loan Get up to $1000 in 30 minutes!  Personal Loan Perfect for tuition and larger purchases!  Visa Credit Cards Low Rates & Fees make this a perfect money saving solution!  Apply online, over the phone, or visit any branch.  NCUA Federally Insured by NCUA 800-773-3236 waunafcu.org NMLS # 421867  Planning an Autumn or Winter Trip Take your Wauna Credit Union VISA Rewards or Platinum Credit Card and save more! VISA for Vacation! On-Site Auto Sale Wauna Credit Union Dealers Market LLC Attention Members! September 14 15 and 16 At Dealers Market 51801 S Columbia River Hwy Scappoose, OR 97056  It's Not Too Late For A Great Rate On A Little Boat!

Back To School
Counting Down the Days?
Your Secret is safe with us.
Wauna Credit Union is ready to help make Back to School as painless as possible!

Instant Money Loan
Get up to $1000 in 30 minutes!

Personal Loan
Perfect for tuition and larger purchases!

Visa Credit Cards
Low Rates & Fees make this a perfect money saving solution!

Apply online, over the phone, or visit any branch.

NCUA Federally Insured by NCUA
800-773-3236
waunafcu.org
NMLS # 421867

Planning an Autumn or Winter Trip?
Take your Wauna Credit Union VISA Rewards or Platinum Credit Card and save more!
VISA for Vacation!
On-Site Auto Sale
Wauna Credit Union
Dealers Market LLC
Attention Members!
September 14, 15 and 16
At Dealers Market
51801 S Columbia River Hwy
Scappoose, OR 97056

It’s Not Too Late For A Great Rate On A Little Boat!

August Anniversaries

Wauna Credit Union is growing fast (if you want to join us check out our careers page). The main reason for that is the great service our amazing employees provide our members. We consider Wauna Credit Union a family, and caught up with a few family members having their anniversary this month.

Gina Dines – 10 Years
What is your current position?
I am the Financial Center Manager for the Clatskanie Branch. I make sure that everything is running smoothly, so we can provide our members with the care they have come to expect from WCU. Whether that’s helping a member with a financial issue, coaching the great group of Member Consultants become leaders, or simply listening to members tell me stories about what is important to them. Gina and members of our board of directors golfThis is our oldest branch, and I’m honored to have an important role in something that is a big part of our community.

What is your favorite WCU memory?
There are so many great memories over the years. We have such a fun environment at the Clatskanie Financial Center, so many of my memories involve helping members while still having a good time. One of the more recent memories is being part of the leadership team as we remodeled and redesigned the Clatskanie Financial Center. The grand re-opening was amazing. We put in so many hours to make sure our members had a branch they could be proud of, and one that represents modern financial management, while at the same time staying true to our roots as a local institution.

What is something you like to do when you’re not at work?
I have three daughters, who I love and adore and am very proud of. I have two granddaughters who light up my life. I also recently got engaged, and am looking forward to adding even more to my family.  I love being a grandma! I’m also very active in the Clatskanie Community. I am President of the Clatskanie Chamber, and am on the Heritage Days Board, and help plan and run the events that highlight what makes this such a great place to live.

Megan Gillespie – 10 Years
What is your current position?
I am the Operations Lending Specialist and part of our Operations Department. I handle the behind-the-scenes details of loans such as title work, maintenance. I get to work with the rest of our stellar Operations and Lending teams, make sure the loans our members get work correctly aMegannd go as smoothly as possible. We want our members to be able to kick back, relax, and enjoy their loan experience in total confidence that Wauna Credit Union is there for them 110%.

What is your favorite WCU memory?
Every time we are able to solve an issue that makes a member’s life easier becomes my favorite Wauna memory. One that stands out is a member who works abroad and was in Australia at the time of our EMV card conversion to, which made all of our debit and credit cards more secure. The member was getting ready to leave Australia and head to Europe but the old cards they had were no longer going to be valid.  To complicate matters the card from their other financial institution was not working either. Together with the rest of the amazing Operations Department, we got a debit card and a credit card rushed to the member in Australia just days before they left for their next location. We also got the member a limit increase to help make up for the non-working card from their other institution. It was a lot of moving parts and took a lot of teamwork but ultimately we managed to pull it off so the member had no interruption in service and ended up being able to continue travelling for work with no stress (at least regarding their cards).

What is something you like to do when you’re not at work?
I enjoy spending time with family. Reading, travel, cooking, and photography are also activities I enjoy when I’m not with my Wauna family.

Mike Chapman – 7 Years
What is your current position?
I’m the Predictive Data Analyst. It’s a new role we created to analyze, interpret, and provide reports & recommendations in order to help keep Wauna CU strategically positioned on the leading edge of the future needs of our current and potential membership. Especially as we grow it’s important for us to make sure we are offering people the best products to help them realize their financial (and personal) goals.

What is your favorite WCU memory?
I have fond memories of being part of the teams associated with building and opening our new facilities, which all provide greater convenience, security, and pride for the membership. These facilities include the new branches in Scappoose, St Helens, Astoria Safeway, Warrenton, Clatskanie, and the Mortgage Origination Office in Long Beach. Mike poses against a Wauna banner at the annual meeting

What is something you like to do when you’re not at work?
I am an avid grandparent to a young granddaughter and grandson, and I enjoy shopping with my wife for bargain antiques and collectibles.

Jennifer Kenney– 5 Years
What is your current position?
I’m the Operations Support Manager.  I supervise our back office staff.  Our department handles the mail, funds transfers like wires and direct deposits, title items like DMV docs and paid off loans, IRAs, Escrow accounts and many other processes that help the front line employees help our members. Jenn at the beach with her daughters

What is your favorite WCU memory?
I have many memories about helping our members overcome difficult financial situations in ways that would help make a tough situation better.  I have had so many fun times with my co-workers, celebrating birthdays and anniversaries as well as various accomplishments by my teammates.

What is something you like to do when you’re not at work?
I like to spend time with friends and family.  I love to travel and spend time outdoors.  My daughter is an athlete, so I enjoy watching her play sports. Basketball is her favorite right now.

Others

  • Amy Stocky – 4 years
  • Anna Bennett – 2 Years
  • Ana Dering – 2 Years
  • Bonnie Moss – 1 Year
  • Amanda Wolf – 1 Year

Contribute to the Backpack Program and be Entered to Win Seahawks Tickets

Many children across the country who rely on free school lunch and breakfast programs in order to eat on a daily basis, are left hungry once the weekend starts.  Unfortunately, Southwest Washington is no different. As the school year kicks off the Backpack Program of Pacific County is in need of donations to help meet the upcoming rush of students who need help with basic needs to get their school year started on the right foot.

Kids going back to school

While contributing to such a worthy cause is rewarding on its own, those who give $5 between today and Wednesday, August 23 will be entered to win two tickets to the August 25th Seattle Seahawks preseason game against the Kansas City Chiefs at Century Link Field in Seattle. For every $5 donated people will receive one entry into the ticket drawing.

Seattle Skyline

Members and non-members can contribute in person at any of the credit union’s branches in Astoria, Warrenton, Clatskanie, Vernonia, St. Helens and Scappoose, as well as the Mortgage Origination Office in Long Beach. Members can even call the Wauna Credit Union Communication Center and have a Member Consultant transfer money directly to The Backpack Program.

Wauna Credit Union recognized the need the Backpack Program filled in the community and wanted to help.  The credit union, with branches in Long Beach, Astoria, Warrenton, Clatskanie, Vernonia, St. Helens and Scappoose made the Backpack Program of Pacific County its official charity for the year, and throughout the year fundraises for the organization in many different ways. Employees donate a portion of every paycheck to the Backpack program, have drawings for Trailblazer games, Seahawks and even sell Tillamook pepperoni and beef jerky with 100 percent of the proceeds going to the charity.

“Being hungry makes learning that much harder,” said Natalie Hanson, Backpack Program Co-Founder, “We’re really thankful that Wauna Credit Union continues to be involved. In addition to their support, they are offering to be a collection point for members of the community.”

WCU has been successful so far, raising $7319 of its $12,000 goal for 2017, which has already helped to provide 200 children weekend meals for 12 weeks. Wauna Credit Union is actively soliciting contributions at all branches across Columbia and Clatsop counties in Oregon, and Pacific County in Washington.

“One of Wauna Credit Union’s core values is to be ambassadors in our communities and beyond,” said Jenifer Katon at Wauna Credit Union. “I cannot think of a better way to do that than through the Backpack Program. It serves the most underserved and vulnerable members of our communities. I am so thrilled to be able to give back to our communities through this program.”

More help is always needed in our area. According to Feeding America, the nationwide network of 200 food banks that leads the fight against hunger in the United States, 15.7 percent of Pacific County residents are food insecure, with many of the most vulnerable being children. The Backpack Program of Pacific County serves students at Long Beach Elementary, Ocean Park Elementary, Hilltop School, Ilwaco High School and Ocean Beach Alternative School for a total of over 200 kids per week.

 

Statement Insert – August 2017 – Back-to-School, VISA for Vacation, Summer of Adventure

Wauna Credit Union August monthly statement

Counting Down? Your Secret is safe with us!
Let Wauna Credit Union help you gather all that school gear without wringing out your wallet! Clothes, supplies, computers, even tuition – We’ve got you covered with a variety of options: Try our Instant Money Loans, Personal Loans, and/or VISA Credit Cards!

Wauna Credit Union: Trusted since 1967
800-773-3236
waunafcu.org
NMLS# 421867
NCUA Federally Insured by NCUA
Wauna Credit Union membership is open to anyone who lives, works, attends or worships in Clatsop, Columbia and western Washington County in OR, or Pacific County in WA.

VISA for Vacation
For the perfect vacation, take a Wauna Credit Union VISA Rewards or Platinum Credit Card Along!
Low interest & few fees make our credit card a must in you wallet!
Apply online 24/7!

Summer of Adventure!
Have Fun Now!
Get that RV, Boat, Motorcycle, or Sport Vehicle today, with a great Wauna CU loan and create your own Summer Adventures!
The most affordable lender in town!