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&lt;br /&gt; 2008 AnnuAl RepoRt&lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; www.chartway.com&lt;br /&gt; Mission Statement&lt;br /&gt; Tobring&lt;br /&gt; peopleTogeTher&lt;br /&gt; ToenhanceTheir&lt;br /&gt; qualiTyoflife&lt;br /&gt; table of Contents&lt;br /&gt; &lt;br /&gt; &lt;br /&gt; &lt;br /&gt; Chairman&rsquo;s Message ............................................................................................................................................................................................................... 2&lt;br /&gt; &lt;br /&gt; President&rsquo;s Message ...............<a title="Chartway | 2008 Annual Report page 1" href="http://catalog.proemags.com/publication/a538dbb8?page=1">2008 AnnuAl RepoRtwww</a> 2008 AnnuAl RepoRtwww<a title="Chartway | 2008 Annual Report page 2" href="http://catalog.proemags.com/publication/a538dbb8?page=2">Mission Statement Tobrin</a> Mission Statement Tobrin<a title="Chartway | 2008 Annual Report page 3" href="http://catalog.proemags.com/publication/a538dbb8?page=3">table of ContentsChairman&rsquo;s Message .........</a> table of ContentsChairman&rsquo;s Message .........<a title="Chartway | 2008 Annual Report page 4" href="http://catalog.proemags.com/publication/a538dbb8?page=4">Chairman&rsquo;s MessageSince 1959, wehavebeenpionee</a> Chairman&rsquo;s MessageSince 1959, wehavebeenpionee<a title="Chartway | 2008 Annual Report page 5" href="http://catalog.proemags.com/publication/a538dbb8?page=5">president&rsquo;s MessageIn 2008, we all played witn</a> president&rsquo;s MessageIn 2008, we all played witn<a title="Chartway | 2008 Annual Report page 6" href="http://catalog.proemags.com/publication/a538dbb8?page=6">treasurer&rsquo;s ReportWith nearly 155,000 members </a> treasurer&rsquo;s ReportWith nearly 155,000 members <a title="Chartway | 2008 Annual Report page 7" href="http://catalog.proemags.com/publication/a538dbb8?page=7">charTwayremainsacompanyyoucanTrusTandbelievein.</a> charTwayremainsacompanyyoucanTrusTandbelievein.<a title="Chartway | 2008 Annual Report page 8" href="http://catalog.proemags.com/publication/a538dbb8?page=8">Independent Auditor&rsquo;s ReportWe have audited th</a> Independent Auditor&rsquo;s ReportWe have audited th<a title="Chartway | 2008 Annual Report page 9" href="http://catalog.proemags.com/publication/a538dbb8?page=9">2008financialsTaTemenTs SeptembYera3r0E,n2</a> 2008financialsTaTemenTs SeptembYera3r0E,n2<a title="Chartway | 2008 Annual Report page 10" href="http://catalog.proemags.com/publication/a538dbb8?page=10">2008financialsTaTemenTs SeptembYera3r0E,n</a> 2008financialsTaTemenTs SeptembYera3r0E,n<a title="Chartway | 2008 Annual Report page 11" href="http://catalog.proemags.com/publication/a538dbb8?page=11">noTesToconsolidaTedfinancialsTaTemenTs1.SIGNIFIC</a> noTesToconsolidaTedfinancialsTaTemenTs1.SIGNIFIC<a title="Chartway | 2008 Annual Report page 12" href="http://catalog.proemags.com/publication/a538dbb8?page=12">noTesToconsolidaTedfinancialsTaTemenTsand may re</a> noTesToconsolidaTedfinancialsTaTemenTsand may re<a title="Chartway | 2008 Annual Report page 13" href="http://catalog.proemags.com/publication/a538dbb8?page=13">2.INVESTMENTSInvestments classified as available</a> 2.INVESTMENTSInvestments classified as available<a title="Chartway | 2008 Annual Report page 14" href="http://catalog.proemags.com/publication/a538dbb8?page=14">noTesToconsolidaTedfinancialsTaTemenTsAt Septemb</a> noTesToconsolidaTedfinancialsTaTemenTsAt Septemb<a title="Chartway | 2008 Annual Report page 15" href="http://catalog.proemags.com/publication/a538dbb8?page=15">5. OTHER ASSETSIncluded in other assets are seve</a> 5. OTHER ASSETSIncluded in other assets are seve<a title="Chartway | 2008 Annual Report page 16" href="http://catalog.proemags.com/publication/a538dbb8?page=16">noTesToconsolidaTedfinancialsTaTemenTs9. COMMITM</a> noTesToconsolidaTedfinancialsTaTemenTs9. COMMITM<a title="Chartway | 2008 Annual Report page 17" href="http://catalog.proemags.com/publication/a538dbb8?page=17">Loans to Members: For variable-rate loans that re</a> Loans to Members: For variable-rate loans that re<a title="Chartway | 2008 Annual Report page 18" href="http://catalog.proemags.com/publication/a538dbb8?page=18">Board of DirectorsT</a> Board of DirectorsT<a title="Chartway | 2008 Annual Report page 19" href="http://catalog.proemags.com/publication/a538dbb8?page=19">Corporate ValuesTopromoTeThephilosophyofpeopleh</a> Corporate ValuesTopromoTeThephilosophyofpeopleh<a title="Chartway | 2008 Annual Report page 20" href="http://catalog.proemags.com/publication/a538dbb8?page=20">www.chartway.com (757) 552-1000 </a> www.chartway.com (757) 552-1000