See schedule o. To encourage savings and making loans at competitively low interest rates. The credit union strives to provide the highest level of personal service in a courteous and professional manner and to treat ALL individuals fairly and with dignity. The credit union holds safety and soundness to be of high importance, pledges to safeguard the assets, places a high importance on consumer education and looks for better ways to reach out to the under-served in the membership field. In addition, the credit union promises to communicate its services to its members in a meaningful way so that they will understand and appreciate the unique ROLL that it plays in their lives. Finally, the credit union pledges to preserve and protect the privacy and confidentiality of ALL member financial records and transactions and to provide the members with complete and accurate information concerning their rights as savers and borrowers.