&2013 Annual Report

2013 Annual Meeting Highlights

2014 Annual Meeting

Agenda

Date: Tuesday, April 8, 2014 To: Dutch Point Credit Union Members Subject: Annual Meeting - 2014

The order of business at the Dutch Point Credit Union Annual Meeting will be as follows:

• Initial Report of the Credentials Committee

• Appointment of Recording Secretary

• Appointment of Parliamentarian

• Action of Minutes of 2013 Annual Meeting

• Final Report of the Credentials Committee

• Membership Report

• Financial Report

• Report of the Supervisory Committee

• Old Business

• New Business

• Nominating Committee Report

• Election

• Adjournment

FIFTY-SECOND ANNUAL MEETINGOF THE

DUTCH POINT CREDIT UNION, INC.HELD APRIL 9, 2013

The fifty-second Annual Meeting of Dutch Point Credit Union was held Tuesday, April 9, 2013.

The Chairman of the Board, Michael W. Dwyer, called the meeting to order at 7:20 p.m. in the Cafeteria of the Northeast Utilities Building in Berlin.

DIRECTORS PRESENT: A. DeFrance, R. DeRoehn, J. Gombotz, S. Miller, R. Deslippe, M. Dwyer, F. Proto, and R. Zajack

ALSO PRESENT: M. Curtin, Supervisory Committee Member T. Tuell, Supervisory Committee Member

ABSENT: D. Sullivan

Mr. Dwyer welcomed the members. Before introducing the Board, Mr. Dwyer made the members aware of some changes that took place in 2012 to the governing bodies of the credit union. He advised that long-time Director John Childs, better known as Jack, retired from the Board after 35 years of service. He stated that Jack is not here tonight, but on behalf of the Board and Committee members he wanted to thank Jack for his many years of dedicated service.

With Jack’s retirement, the Board appointed Richard Zajack as Director to fill Jack’s seat. Michael Curtin was appointed as Chairman of the Nominating Committee and Timothy Tuell was appointed to serve on the Supervisory Committee and the Nominating Committee. He stated that the Board of Directors will continue to govern in the best interest of the membership.

Mr. Dwyer introduced the Board and Committee members. He advised that Dorothy Sullivan, Director and Secretary of the Board, was unable to attend. In her absence Mr. Dwyer appointed Mr. Francis Proto as Acting Secretary.

Mr. Dwyer asked the Chairman of the Credentials Committee for the initial report.

Mrs. Pauline Davis, Credentials Committee Chairman, reported there were 77 voting members present.

Mr. Dwyer appointed Elizabeth Mumford as Recording Secretary for the Annual Meeting.

A quorum was ascertained and the meeting declared legal.

Mr. Dwyer noted that the Minutes of the 2012 Annual Meeting are printed in the Annual Meeting Agenda dated April 9, 2013. Mr. Dwyer asked if there were any omissions or corrections.

There being none, the Minutes were approved as submitted.

At this time, the Chairman turned the meeting over to the Vice-Chairman, Mr. John Gombotz. Mr. Gombotz asked Mr. Dwyer, Chairman of the Board, to present his report.

The U.S. economy continued to show signs of improvement in 2012. The unemployment rate fell which resulted in an uptick in consumer confidence. The housing market improved and more consumers took advantage of the historically low interest rates and re-financed their mortgages. However, full economic recovery may not be recognized unless the federal government cures the high levels of debt and the unemployment rate decreases to a much lower level. We would like to report that, despite these conditions, your credit union continued to grow and expand the number of services provided to the membership.

1

Significant progress was made in bringing new services and technology to the membership in 2012. I would like to share some of these with you:

• DPCU Mobile - members can access their accounts 24/7 from the convenience of their mobile device. • Electronic Document Signing – members can sign loan documents remotely and close on their loan without coming into a branch.

• Fast Track Home Equity Loan – we added to our home equity product line a 12-year home equity loan. This loan is designed to help members pay off their existing mortgage and own their home sooner.

• CU Rewards Mall – our Visa program was enhanced, and members who shop through the new CU Rewards Mall earn additional points for each dollar spent. With thousands of retail and online merchants to shop from, members are earning Visa Rewards points faster than ever before.

Members look to us when it comes to their borrowing needs, and 2012 was no exception. Our credit health check program continued to thrive as members used our debt consolidation loan to lower their monthly debt obligations. We offered an Auto Loan Recapture program which showed existing as well as new members how much money they could save on their auto loan from another financial institution. Our Visa Platinum card continued to flourish. To help members with high-rate bank and store credit cards, we offered a Balance Transfer promotion at an incredibly low rate. This was offered without a balance transfer fee and no penalty pricing - features not necessarily available with other creditors.

We continue to look for ways to help our members and the communities we serve. This is achieved through two channels – community involvement and CU sponsored events. 2012 was a year highly dedicated to both of these endeavors. We held 3 community shred days during the year, offered a financial planning seminar, a credit score seminar, and an energy fair. Our community involvement included sponsorships with: Channel 3 Kids Camp, Literacy Volunteers of Central CT, Wethersfield Spelling Bee, Wethersfield Cornfest, East Lyme Light Parade, Celebrate East Lyme, and the Newington Extravaganza, to name a few.

We are proud that much of our membership growth comes from member referrals. A strong credit union is a direct result of members that use credit union services and choose us to be their primary financial institution. We are truly appreciative of your family and friend referrals and helping your credit union to grow.

Improving your financial well-being is paramount to our mission. This is our focus and we are honored that you trust us with your financial future. Thank you for your membership through the years. We look forward to your continued support.

The Vice-Chairman asked for a motion to accept the Chairman’s Report.

A motion was made from the floor and seconded. There being no objections the motion passed unanimously.

The Vice-Chairman then turned the meeting back to the Chairman, Mr. Dwyer.

The Chairman asked the Treasurer, Mr. August DeFrance, to present his report to the membership.

Every individual and financial institution has been affected in one way or another by the challenges resulting from the economic downturn over the last several years. Through it all, Dutch Point Credit Union has remained financially strong and responsive to the needs of our members. I can report that Dutch Point Credit Union’s strong financial per-formance continued in 2012. The Credit Union remains well positioned to serve our membership and communities.

Dutch Point Credit Union ended the year with Assets of just under $195 million, which is almost a 4 1/2% increase from 2011. Consumer demand for personal and auto loans was strong, and mortgage loan demand increased signifi-cantly as interest rates decreased further. In total, the loan portfolio balances increased by just under $8 million or by just over 9% from year end 2011. Net Income for 2012 was $820,000 representing a Return on Assets (ROA) of approximately .43%.

The quality of the credit union’s assets remains high. This is based on the most recent State of Connecticut Depart-ment of Banking examination, which measures the safety and soundness of your credit union. The credit union’s delinquency ratio and loan charge-off ratio remained low at .17% and .40%, respectively. These ratios are well below industry averages.

2

The primary indicator of safety and soundness of the credit union is its ratio of capital to assets. Dutch Point Credit Union is very proud to continue to demonstrate financial strength with its capital to asset ratio at 11.12% as of December 31, 2012. This ratio is well above the regulatory threshold of 7%, established by the NCUA, which is the benchmark for a well-capitalized credit union. With our robust capital position in place, the credit union is positioned to introduce new products and services for the benefit of our member-owners.

I can report that Dutch Point Credit Union continues to be a safe and secure financial institution with a strong, well managed balance sheet. Your Board of Directors and Senior Management Team continue to operate in the best interest of our members. While we expect continued economic uncertainty in 2013, Dutch Point Credit Union remains committed to being a valuable financial partner and the preferred institution in our community for high quality products and services. We thank you for your continued support.

The Chairman asked for a motion to accept the Treasurer’s Report.

A motion was made from the floor and seconded. There being no objections the motion passed unanimously.

The Chairman then asked for a motion to have the report of the Supervisory Committee accepted as printed in the Annual Report of 2012.

A motion was made from the floor and seconded. There being no objections the motion passed unanimously.

Mr. Dwyer then called for a report from the Nominating Committee Chairman, Mr. Michael Curtin.

Mr. Curtin presented the following nominees for vacancies on the Board of Directors for a three-year term:

Mr. August L. DeFrance Mr. Robert E. DeRoehn Mr. Francis R.N. Proto

He presented the following nominee for a vacancy on the Board of Directors for a two-year term:

Mr. Richard S. Zajack

Mr. Curtin stated that these nominees are dedicated and committed to the credit union membership and the Nominating Committee recommends these individuals to serve on the DPCU Board.

This concluded the Nominating Committee Report.

Mr. Dwyer then asked Mr. Proto, Acting Secretary, if there was a petition vote.

Mr. Proto advised there was none.

The Chairman then advised that the nominations be closed. He instructed Mr. Proto to cast one vote for each of the nominees and stated they are then duly elected.

Mr. Dwyer called for any unfinished business and there was none.

Mr. Dwyer called for any new business and there was none.

The Chairman asked for a final count from the Credentials Committee Chairman.

Mrs. Davis advised 79 voting members are present.

Mr. Dwyer then presented some highlights for 2013.

In 2013 we are planning to hold several events for our members. Currently we have a fraud seminar scheduled for April 23rd at our Wethersfield branch. We also have a Free Shred Day scheduled for Saturday, May 4th at our Newington branch. We will continue to offer Free Auto and Home Owners Insurance Quote days at our branches on a regular basis.

3

Our DJS Scholarship program is now in its 6th year, and there is still time for students to send in their scholarship application; the deadline is April 30th. If you know of a graduating high school student who will be attending college this fall, let them know they still have time to apply for our DJS scholarship. Complete details on the scholarship are available online.

A new service we are very excited about, Mobile Remote Deposit Capture, will be offered in the near future. With remote deposit capture members endorse their check, snap a picture of the front and back of the check using their mobile device, then submit for deposit. With this service, there is no longer a need to visit a branch or ATM to make a deposit. We are currently in the process of finalizing this and hope to roll it out by early summer.

There are some other exciting things planned for 2013 that will be communicated to the membership in upcoming newsletters. Watch for further announcements.

We thank our members for taking advantage of all our promotions and services and encourage you to tell your family and friends about credit union membership, so they can enjoy all the benefits Dutch Point has to offer.

Now, to get to what you have all been waiting for – the Raffle. We will conduct two raffles, one for voting members and one for non-voting members, children under age 16.

Mr. Dwyer wished everyone “good luck” and asked Mr. Proto to come forward to draw the first raffle ticket for the voting members. There were 14 voting members who won raffle prizes.

Mr. Dwyer then held the raffle for the non-voting members. There were 15 non-voting members who won raffle prizes.

Mr. Dwyer conducted the drawing for the two floral arrangements at the Annual Meeting.

Mr. Dwyer introduced to the members the Dutch Point Credit Union staff working at the Annual Meeting. He stated that these are the individuals who help make the Annual Meeting a success.

Mr. Dwyer also thanked Francis Proto, President and CEO, Charlyn Tanner, Chief Financial Officer, and Pauline Davis, Chief Operations Officer, for all of their hard work during the year, which has continued to make Dutch Point a financially safe and sound credit union.

The members were invited to have refreshments. Mr. Dwyer, on behalf of the Board of Directors and Committee members, thanked the members for attending the meeting.

There being no further business, the Chairman asked for a motion to adjourn.

A motion was made from the floor and seconded. There being no objections the motion passed unanimously and the meeting adjourned at 8:05 p.m.

Respectfully submitted,

Francis R.N. Proto Michael W. DwyerActing Secretary Chairman of the Board

4

5

Community Events

Making Strides Breast Cancer WalkPictured left to right: Christina Rivera, Maria Soucie, Trish Kaminsky, Nancy Sivec, Heather Salgado and Laura Caron.

Literacy Volunteers of Central CT Scrabble ChallengePictured left to right: Josephine Gonzalez, Nancy Maloney, Pauline Davis, Barbara Gunterman, Nancy Sivec, Patricia Pelletier, Donna Bouchard and Christine Cloutier.

Newington Shred DayPictured left to right: Members - Leah SteinMiller and Linda SteinMiller.

Newington Red Cross Blood DrivePictured left to right: Barbara Gunterman, Membership and Public Relations Officer and Michael C., credit union member.

6

Financial Education

Car Buying Seminar Pictured standing far right: Jim MacPherson, the Car Doctor.Seated: Seminar participants.

2013 Scholarship WinnersPictured top row, left to right: Andrew McCarter and Lindsay Cadwallader. Bottom row, left to right: Alyssa Caron and Carolyn Polomsky. Tyler Stites not depicted.

Credit Health Checkup FairPictured: Shannon Dwyer, Training/E-Commerce Manager.

Wethersfield PTO Spelling BeePictured top row, left to right: Sabina Al-Mahrouqi and Lateffa Browdy. Bottom row, left to right: Iman Al-Mahrouqi and Mariyan Al-Mahrouqi.

In this past year, 2013, your credit union continued to grow, and it was rewarding to see that our mission of “improving members’ financial well-being through financial solutions and education” was alive and well. We reached a significant milestone when our assets surpassed $200 million for the first time in our history. However, we didn’t just reach this level, we far exceeded it. As of December 31st, 2013, our assets were $227.2 million.

Over the years opportunities have presented themselves for the betterment of our membership. With that stated, in 2013 the Board of Directors of Capitol Region Federal Credit Union (CRFCU) adopted a resolution to merge into Dutch Point Credit Union. A special meeting was then held with their membership, who overwhelmingly voted in favor of the merger.

On October 26th, Capi to l Region Federa l Credi t Union, with assets of $30 million and 5,000+ members, merged into Dutch Point Credit Union. As a result of the merger, we acquired two of the three CRFCU branches - Bloomfield and West Hartford (Town Hall) as well as their nine employees. The integration of two companies can pose many challenges but we are pleased to report the merger was completed successfully and on t ime w i th the

assistance o f the professional staff of both organizations. In today’s world social media has become an integral part of communications, from connecting with friends and family to sharing feelings, images, expressing creativity, and so much

7

2013 Membership Report

Respectfully submitted,

Michael W. Dwyer Francis R.N. ProtoChairman of the Board President and CEO

more. It is also a communication tool for businesses to reach and connect with people in this age of technology. Dutch Point is now connected on Facebook and Twitter. We are communicating news and updates through these two social media forums. “Like us” on Facebook and “follow us” on Twitter @DutchPointCU.

We brought some exciting enhancements to our product offerings in 2013, providing our members with even more convenience. Mobile Remote Deposit Capture was launched. Members can now take a picture of their check with a smart phone and remotely deposit the funds directly into their account. Our Visa program was enhanced so that members can now log in to their Visa account and pay their bills from other financial institutions. This service has been requested by our members for a number of years, and now your credit union has made this a reality.

Touching the life of a Special Olympian, or seeing the smile of a young student learning to read their first book are just some of the ways we try to assist in our communities. The employees of Dutch Point have gone above and beyond in donating their personal time as well as contributing to the charities we support. We also want to send a special “thank you” to all those members who joined in our efforts to support our most worthwhile charities.

In reflecting back over the years, what we are most proud of is found in the lives of our members. A high school graduate who was able to buy their first car because of a low-rate loan with Dutch Point. A family facing hard times who was able to refinance their loans to make payments more manageable. A father setting up a youth savings account for his firstborn or a couple getting a good night’s sleep after finally establishing retirement plans. These are huge accomplishments in the lives of our members and we are pleased they have selected Dutch Point for these needs.

We recognize that your choosing Dutch Point represents the confidence and trust you have in us. Know that we are dedicated to this and your Board of Directors, management and staff will continue to work hard for you. Thank you for your loyalty and support and being a part of the Dutch Point family.

Bloomfield Branch

West Hartford Branch

its regulatory capital to asset ratio at 10.86% as of December 31, 2013. This ratio is well above the regulatory threshold of 7% established by the NCUA and is the benchmark for a well-capitalized credit union.

As we look to the future, I want to assure you, our members, that Dutch Point Credit Union is financially strong and healthy and ready to take on the challenges that lie ahead. We will continue to look at new product features and services to enhance the financial picture of the credit union and look for opportunities that will afford the entire membership greater benefits for the future.

We want to thank you, our member owners, for your continued support. We truly appreciate and value your loyalty to Dutch Point Credit Union.

Respectfully submitted,

August L. DeFranceTreasurer

Dutch Point Credit Union is pleased to report that 2013 was an exciting and successful year, highlighted by continued strong financial performance.

Overall, the credit union assets increased in 2013 by 16.71% to $227.206 million. What fueled our overall asset growth was the merger of Capitol Region Federal Credit Union into Dutch Point. We acquired their assets of $30.157 million. Consumer demand for personal and auto loans was strong, and the mortgage loan refinance market continued to be robust as interest rates remained low in 2013. The loan portfolio increased by $5.743 million or by 6.13% from year end 2013, which is above industry average. Additionally, the credit union acquired $11.044 million in loans as the result of the merger. The credit union earnings were positively impacted by the merger. Net Income for 2013 was $2.070 million representing a Return on Assets (ROA) of approximately 1.02%.

The quality of the credit union’s assets remains high. This is based on the most recent State of Connecticut Department of Banking examination, which measures the safety and soundness of your credit union. Additionally, the credit union’s financial performance continues to be recognized on a national level. This recognition comes from earning a five star rating, which is the highest rating available, from Bauer Financial.

The primary indicator of safety and soundness of the credit union is its ratio of capital to assets. Dutch Point Credit Union is very proud to continue to demonstrate financial strength with

The Committee appreciates your continued confidence in our oversight role. The support and cooperation of the Board of Directors, management, and employees has assisted us in the performance of our duties and is greatly appreciated.

Respectfully submitted,

Steven W. Miller Chairman

Dutch Point Credit Union’s Supervisory Committee is appointed by your Board of Directors and is responsible for assuring the finan-cial strength of the credit union through sound financial discipline.

The Committee oversees a variety of audits and reviews to ensure compliance with state and federal regulations, credit union by-laws, and generally accepted accounting principles (GAAP). In addition, the Committee supervises an annual external audit of the financial records of the credit union, verifies mem-ber accounts, and reports the results to the Board of Directors. The Certified Public Accounting firm of Orth, Chakler, Murnane and Company, CPAs, has been retained to perform a financial statement audit as of December 31, 2013.

It is the belief of the Supervisory Committee that Dutch Point Credit Union is financially solid and is being operated in a safe and sound manner.

8

2013 Financial Report

2013 Supervisory Committee Report

LIABILITIES: Members’ share and savings accounts $200,057,597 $171,797,990 Accounts payable and accrued liabilities 1,534,346 1,314,958 Total liabilities 201,591,943 173,112,948

Commitments and contingent liabilities --- ---

MEMBERS’ EQUITY: Regular reserve 4,104,788 4,104,788 Undivided earnings 19,604,566 17,534,017 Accumulated other comprehensive Income/(loss) 94,525 ( 81,840) Equity acquired through merger 1,810,409 --- Total members’ equity 25,614,288 21,556,965 Total liabilities and members’ equity $227,206,231 $194,669,913

Cash $ 1,864,767 $ 1,207,251

Investments: Available-for-sale 1,896,440 1,622,222 Held-to-maturity 44,963,346 46,862,012 Other 60,936,504 45,557,651

Loans to members, net of allowance for loan losses 110,494,163 93,612,236

Accrued interest receivable: Loans 318,473 281,843 Investments 149,841 239,420Prepaid and other assets 1,444,240 715,787Property and equipment 3,092,663 2,849,189NCUSIF deposit 2,045,794 1,722,302

Total assets $227,206,231 $194,669,913

Statements of Financial ConditionAssets

As of December 31, 2013 2012

INTEREST INCOME: Loans to members $ 5,567,700 $ 5,401,566 Investments 702,446 914,392 Total interest income 6,270,146 6,315,958 INTEREST EXPENSE: Members’ share and savings accounts 646,448 802,488 Net interest income 5,623,698 5,513,470

PROVISION FOR LOAN LOSSES: 301,732 328,604 Net interest income after provision for loan losses 5,321,966 5,184,866

NON-INTEREST INCOME: Fees and service charges 2,862,253 2,406,014 Gain from bargain purchase - merger 1,074,094 --- 3,936,347 2,406,014

9,258,313 7,590,880 NON-INTEREST EXPENSE: Compensation and employee benefits 3,483,019 3,268,362 Office operating costs 2,798,328 2,593,908 Other 906,417 908,184 Total non-interest expense 7,187,764 6,770,454

Net income $ 2,070,549 $ 820,426

For a complete copy of the financial statement audit, please contact the credit union.

9

2013 Financials

Liabilities and Members’ Equity

As of December 31, 2013 2012

Statements of Income

For the years ended December 31, 2013 2012

Michael W. Dwyer, ChairmanJohn L. Gombotz, Vice-ChairmanAugust L. DeFrance, TreasurerDorothy J. Sullivan, SecretaryRobert E. DeRoehn, Assistant TreasurerRoland Deslippe, DirectorSteven W. Miller, DirectorFrancis R.N. Proto, DirectorRichard S. Zajack, Director

Michael E. Curtin, ChairmanRandall J. Thibodeau, MemberTimothy Tuell, Member

Steven W. Miller, ChairmanMichael E. Curtin, MemberTimothy Tuell, Member

Francis R.N. Proto, President and CEOCharlyn Tanner, Chief Financial OfficerAnthony Sacchetti, Chief Member Development Officer

Board of Directors Supervisory Committee Nominating Committee

Credit Union Executive Officers

Dutch Point Credit Union offers members the following and more...

Savings

• Primary• Money Market Accounts• Holiday Club Accounts• Special Purpose Accounts• Share/IRA Certificates• Traditional and Roth Individual Retirement Accounts• Coverdell Education Savings Accounts

Checking

• Always Free Checking• Advantage Checking• Accelerated Checking

Loans

• New/Used Auto Loans• Unsecured Loans• Mortgages• Reverse Mortgages• Home Equity Loans• Visa Platinum Card/Rewards Program

Services

• DPCU OnLine - Home Banking• DPCU Mobile - Mobile Banking• DPCU Mobile Remote Deposit Capture• eStatement - Online Account Statement• 24-Hour Person-to-Person Lending• Visa Check Card - ATM/POS/Debit Card• PowerLine - Automated Phone Teller• Bill Pay - Pay Bills Online

10

Board of Directors, Committee Members, and Executive Officers

Nominating Committee

Credit Union Branch Locations

Wethersfield Branch Newington Branch Niantic Branch

Berlin Branch

195 Silas Deane HighwayWethersfield, CT 06109

Branch and Drive-up Teller Hours:Monday – Tuesday 8:30 a.m. – 4:00 p.m.Wednesday 10:00 a.m. – 4:00 p.m.Thursday 8:30 a.m. – 5:00 p.m.Thursday (drive-up) 8:30 a.m. – 6:00 p.m.Friday 8:30 a.m. – 6:00 p.m.Saturday 9:00 a.m. – 12:00 p.m.

465 Willard AvenueNewington, CT 06111

Branch and Drive-up Teller Hours:Monday – Tuesday 8:30 a.m. – 4:00 p.m.Wednesday 10:00 a.m. – 4:00 p.m.Thursday 8:30 a.m. – 5:00 p.m.Thursday (drive-up) 8:30 a.m. – 6:00 p.m.Friday 8:30 a.m. – 6:00 p.m.Saturday 9:00 a.m. – 12:00 p.m.

8 West Main StreetNiantic, CT 06357

Hours:Monday - Tuesday 8:30 a.m. – 4:00 p.m.Wednesday 10:00 a.m. – 4:00 p.m.Thursday 8:30 a.m. – 6:00 p.m.Friday 8:30 a.m. – 4:00 p.m.Saturday 9:00 a.m. – 12:00 p.m.

Northeast Utilities107 Selden StreetBerlin, CT 06037

Hours:Monday – Tuesday 8:00 a.m. – 4:00 p.m.Wednesday 10:00 a.m. – 4:00 p.m.Thursday – Friday 8:00 a.m. – 4:00 p.m.

Millstone Branch

Dominion Nuclear (restricted access)156 Rope Ferry RoadWaterford, CT 06385

Hours:Monday – Thursday 8:30 a.m. – 3:00 p.m. Friday 8:30 a.m. – 12:00 p.m.

Northeast Utilities (restricted access)1985 Blue Hills Avenue Ext.Windsor, CT 06095

Hours:Monday - Tuesday 9:30 a.m. – 1:30 p.m.Wednesday ClosedThursday - Friday 9:30 a.m. – 1:30 p.m.

Windsor Branch

Dutch PointCREDIT UNION

Bloomfield Branch

1 Wintonbury MallBloomfield, CT 06002

Hours:Monday – Tuesday 9:00 a.m. – 4:30 p.m.Wednesday 10:30 a.m. – 4:30 p.m.Thursday 9:00 a.m. – 6:00 p.m.Friday 9:00 a.m. – 4:30 p.m.

West Hartford Branch

50 South Main Street (Town Hall)West Hartford, CT 06107

Hours:Monday 9:00 a.m. – 4:30 p.m.Tuesday ClosedWednesday 10:30 a.m. – 4:30 p.m.Thursday 9:00 a.m. – 6:00 p.m.Friday 9:00 a.m. – 4:30 p.m.