b'To Our Mission Fed Community,At Mission Fed, everything we do starts with you. Were here to simplify your financial life, help you reach your goals, and make a real impactboth for you and for our San Diego community. As we reflect on 2024, were proud of the progress weve made together and excited for whats ahead.Strength You Can Count On2024 was a year of new milestones and growth for Mission Fed. We reached a record net income of $73 million, and exceeded our loan production and deposit goals, rounding out the year with $4.6 billion in loans and $5.8 billion in deposits. These financial wins arent just numbersthey translate directly into better rates, lower fees, and more ways to help you build a stronger financial future.Beyond the numbers, our commitment to giving back remained at the forefront. We contributed over $1.2 million to local causes, focusing on communities and organizations that share our commitment to uplifting San Diego. Through our year-end Community is Everything fund, we expanded support for partners and ensured that our success contributes to a better future for San Diego. Solutions That Put You FirstOur focus has always been on delivering solutions that simplify your financial life. Thats why in 2024 we rolled out new digital toolssuch as mobile deposits for businesses and a streamlined direct deposit switch solutionall designed to save you time and make managing your money easier. And with a 4.8 out of 5 member satisfaction score, were proud to know our efforts are making a difference.Security and stability also remained top priorities. We enhanced our technology infrastructure with significant upgrades to our Las Vegas data center, ensuring even greater reliability. Our continued focus on fraud prevention and cybersecurity led to a substantial reduction in card fraud by 23%, saving both our members and Mission Fed over $350,000 in fraud lossesparticularly important as fraud continues to rise nationwide.Looking AheadIn 2025, were reinvesting in technology, enhancing member services, and deepening our community impact. Well continue to leverage our strength and agility to bring you smarter financial solutions, better rates, and the tools you need to plan for whats next. Thank you for choosing Mission Fed. No matter where life takes you, were here to help you make the most of it.Doug Wright Scott PattersonPresident & CEO Chair, Board of Directors'