Fox Communities is member-owned and not-for-profit cooperative. We exist to serve our members. We provide an excellent return on our member’s deposits typically with higher rates paid than banks, lower fees and lower loan rates. And with economic times like this, we don’t have stockholders who encourage us to take excessive risk with people’s money that so often lead to the type’s of problems that Wall Street is now facing. Fox has a very strong balance sheet and is well positioned to weather these troubling economic times.