When you become a member of the WCRA,
        you gain access to:

 Partnership opportunities with 46 financial institutions

 Shared risk lending pools totaling over $105 million

 Expanded lending opportunities in your community and
    Statewide

 A self-supporting nonprofit affiliation

 Affordable housing finance expertise

 A statewide network of affordable housing providers

 Education on affordable housing issues and needs

 CRA investment opportunities in tax credits and
    tax-exempt bonds

 Economic development programs targeted at rural areas

 A cost effective tool to augment your CRA program

Attendees at the 2002 annual meeting

A Statement from...
   U.S. Bank of
   Washington

     U.S. Bank helped start the Washington Community Reinvestment Association in 1992. At that time, we saw an opportunity for banks to finance affordable housing development through a lending consortium that spread risk and return among the participating banks.

     Ten years later, the WCRA is still working to support the development of affordable housing in our state. At U.S. Bank, we value our membership in the WCRA because it provides us with the opportunity to finance affordable housing projects throughout Washington. We also benefit from the WCRA's legislative advocacy on affordable housing issues. Through the WCRA, we can collaborate with member banks to help meet the critical need for affordable housing in the communities we serve.

Yvonne Blumenthal
Vice President and Manager
U.S. Bank of Washington

A Statement from...
        Wells Fargo Bank

     Wells Fargo Bank's participation in WCRA has met and surpassed the Bank's desire and goals to be actively involved in the funding of permanent affordable housing loans throughout the State of Washington. Through our membership, the Bank has been able to be actively involved in a number of quality properties that satisfy our need and desire to support affordable housing. Wells Fargo Bank's ten year participation in WCRA is only the beginning, and we look forward to another ten years of funding affordable housing for the citizens of Washington.

John Epstein
Vice President
Wells Fargo Bank

A Statement from...
        Yakima Federal S&L Association

     As a WCRA member, Yakima Federal Savings & Loan Association has been able to participate in many affordable housing projects throughout Washington State. WCRA allows us to share our community development resources at a minimum of risk while addressing multiple community needs.

     Participation in WCRA projects provides demonstrable evidence to the regulators of our commitment to local credit needs, helps us promote community awareness, and positively addresses identified community-financing needs that could not otherwise be met by an individual bank.

     In our ever-changing financial community, one thing will always stay the same. There will always be a need for community lenders to form partnerships with various government and philanthropic entities, to help us find ways to provide housing to economically disadvantaged individuals and communities in our State. The WCRA partnership is one that works.

Larry Marvin
Senior Vice President and Branch Manager
Yakima Federal Savings and Loan Association