EDS Credit Union · Post Office Box 250169 · Plano, Texas 75025-0169 · 214-291-1776
October 9, 2008
Dear EDS Credit Union Members:
How about some good news for a change! I am pleased to report that EDS Credit Union is
financially safer, stronger, and more secure than it has ever been in its history. And despite the
financial turmoil that is affecting the banking industry, financial markets, and economy, EDS
Credit Union is positioned to continue to perform well in 2008 and beyond.
Our safety and soundness can be attributed to three key factors. First, we never forgot that our
primary responsibility is to manage and safeguard your deposits in a secure, reliable manner.
Even though EDS Credit Union deposits are insured up to the new $250,000 government
regulatory limits, all investments made by the Credit Union must pass a rigorous set of time-
tested credit union regulations and conservative banking policies designed to provide security
and liquidity. We have consistently managed your money in the most prudent way possible.
Second, EDS Credit Union never offered sub-prime or payment-option adjustable rate mortgage
loans and never invested your deposits in the type of highly-leveraged risk strategies associated
with the current financial crisis. Our financial structure as a not-for-profit credit union combined
with our conservative banking practices is the reason for our current financial strength. We
firmly pledge not to deviate from these sound financial traditions.
Third, EDS Credit Union is audited by two independent CPA firms and examined by the Texas
Credit Union Department and the National Credit Union Administration to provide an objective
analysis of our financial condition and internal operating controls. We believe frequent financial
scrutiny helps provide governance and oversight to protect your money. Our most recent
regulatory examination noted that EDS Credit Union’s net worth, asset quality, and earnings
performance are all strong enough to warrant