ms. madry. welcome. ms. madry: good morning, chairman brown, ranking member scott, and the other members of the committee. my name is karen madry and i am the president and c.e.o. of afina federal credit union located in marion, indiana. thaoeupba is a federally chartered credit union with $99 million in asset, three branches and we serve just over 8,000 members. afena's mission is to help families who are financially vulnerable to achieve financial wealth and endure a legacy. we do not exist just to make profits. we are very focused on serving the needs of our community. first i'd like to address the term junk fees. junk fees is a made-up word and it is not in statute. we've heard a lot of comments about junk fees and various industries. i would argue that in the financial services market that those fees differ. credit union fee programs are regulated by federal and state government and the reduction of fee income would ultimately result in the reduction of services to our members. i can also share that in