SECTION I            -          CHARTER

SECTION II           -          STRUCTURE

SECTION III          -          SHARES & CERTIFICATES

SECTION IV          -         GENERAL LOAN POLICY

SECTION IV-A      -         CONSUMER LOAN POLICY

SECTION IV-B      -         REAL ESTATE LOAN POLICY

SECTION IV-C      -         REAL ESTATE LOAN POLICY – TEXAS

SECTION V            -        DELINQUENT LOAN & CHARGE-OFF POLICY

SECTION VI          -         CRYOVAC FCU INVESTMENT POLICY  

SECTION VI-A      -         ALM POLICY        

SECTION VII         -         OTHER SERVICES

SECTION VIII        -         PERSONNEL POLICY

SECTION IX          -         SECURITY  

SECTION X           -         Bank Secrecy ACT POLICY

DISASTER RECOVERY MANUAL