mr. olsson. ms. fiddler, you may proceed. >> good morning to chairman johnson, ranking member shelby and the other members of the senate. um, as senator johnson said, i'm the executive director of four bounds community fund, a nationally-recognized cdfi that serves the cheyenne river reservation, i also wanted to note that i'm the chair of the south dakota indian business alliance. let me begin by saying thank you for the opportunity to appear before you on behalf of the people and organizations that are working to create native private sector economies throughout the state of south dakota and on reservations nationwide. i've prepared a written testimony to address the opportunities and challenges for economic development from the perspective of the native cdfis. this was quite an upside taking because of the complex -- undertaking because of the complex landscapes we work in. as important to development services is for a cdfi, we also have to factor in the economic conditions and infrastructure limi

mr. olsson, thank you for the work that your bank has done in the community to assist tribal members whose needs were not being met by traditional institutions. in addition to the program that eagle bank runs, you also observe that the programs that are available for the first time homebuyers and students can be effective. so my question to you is, how could you expand your coaching services into a more formal program of financial literacy? and what would the benefits being? >> senator, one of the premises when eagle bank was chartered was to develop financial letters he and work closely with the under bank within our market, whether they are tribal members or not. unfortunately, in the current economic environment our resources are extremely limited, as is our staff time. what we would hope to be able to do is either, through increased revenues and retained income, or perhaps if there may be some type of grant programs available, we would like to be able to offer dedicated staff to the financial literacy and training. we just are not able to do that at the moment. so, if you've got some g

mr. martin olsson as a witness. martin olsson is president of legal bank located on the reservation in mantegna -- montana. the confederated -- the tribes -- is one of only a handful of native controlled banks in the country. i am delighted tanya fiddler leaders the executive director of the community bank fund, a native -- on the chin river indian reservation in south dakota today. it was created in 2000 and has become the leading organization on the reservation in the areas of small business training and financial education. thank you for your insights. mr. disidarro is an executive director of the native american science officers association. the association works to improve the quality of financial and business management of charitable governments and their business entities and supports native american initial progression. sue woodrow, community development advisor at the montana branch of the federal reserve bank of minneapolis. sue woodrow has worked at the fed since 1990 where she has focused on community de