SECU Risk-based Lending # 10

 To: SECU Board of Directors

Dear Chairman Ayers,

Morning! It's Monday! Had a really great weekend! How about you?

Recently saw this quote from Mark Twain on Risked-Based Lending:

"It ain't what you don't know that gets you in trouble, it's what you know for sure, that just taint so" - Mark Twain

Know you and the SECU Board believe you have your "ducks in a row". on risk-based lending, but,....

      SITTING?               LAME?                 DEAD?

.... a word to the wise, you may want to start paddling faster!