Board of Directors Bay Federal Credit Union

I was born and raised in Watsonville where I now reside with my wife, Lynn, and our two children. I was educated through Watsonville public schools, Cabrillo College, and the United States Naval Academy, Annapolis. I have been active as a volunteer in many organizations that promote the well–being of children. I currently serve as the President of PVPSA, and as the Vice President of the Santa Cruz County Board of Education. For 16 years I have been a Realtor and was a small business owner for many years. I have been a member of Bay Federal for over 30 years.

After serving on the Bay Federal Credit Union Board in the late '70's when it was a very small teachers credit union, I was very excited to return to the board in 1997 to serve as a director of a very dynamic, successful and greatly expanded Bay Fed. During my twenty–five years in Santa Cruz County schools, I have served as a math teacher, high school principal and the Santa Cruz County Superintendent of Schools since 1990. I earned my undergraduate degree from UCLA and my doctorate in education from Teachers College, Columbia University. I have taught courses in school business and finance for Santa Clara University and San Jose State.

In August 2005, I was selected to serve as a Director of Bay Federal Credit Union. Prior to that, I served on the Supervisory Committee in 1999 and became an Associate Director to the Board of Directors in 2002. As an Associate Board member, I was assigned a mentor, participated in credit union training, strategic planning sessions, and attended monthly board meetings. In addition to my volunteer work with Bay Federal, I also contribute my time as Vice President of the Pajaro Valley Health Trust, Chair of the Santa Cruz Criminal Justice Council (2002) and President of the Board of the Tri-County Energy Services Organization. I live in the City of Watsonville and work as the founding Director of Pajaro Valley Prevention and Student Assistance, a non-profit agency serving the youth and families of the Pajaro Valley since 1990.

Dennis Osmer
Secretary

I first volunteered to serve on the Supervisory Committee in 1999. I was an Associate Boardmember for four years. I was appointed to the Board in October of 2006. It is a privilege to be able to contribute to an organization with such a strong track record. Bay Federal Credit Union continues to grow and to offer its members excellent service and security. I am committed to maintaining strong community ties in each service area of Bay Federal so that the institution remains responsive to the needs of members.

I work as Executive Director of Central Coast Energy Services, Inc., a nonprofit that helps low income people with their energy bills in Monterey, San Benito and Santa Cruz counties. I'm a Director on the Board of the Pajaro Valley Water Management Agency and have served as the Mayor of the City of Watsonville and Fourth District Commissioner on the Santa Cruz County Planning Commission. I am also on the Board of Directors of the Hellenic Cultural Institute of the Central Coast. My wife Laurie and I live in Watsonville. We have a son and daughter, Brendan and Dorie

Michael Leung
Director

I graduated from the University of Michigan, Ann Arbor, with a Bachelors degree in Electrical Engineering and Computer Science (EECS). I then continued my education, obtaining my Masters degree, also in EECS. I have worked for the semiconductor giant Intel, and the small company SEI, designing chips for PC motherboards and consumer electronics. I am also a licensed California real estate salesperson and a mortgage loan officer. In my spare time, I volunteer for various Chinese charities and non-profit organizations. I am very impressed by the culture and philosophy of Bay Federal Credit Union, and as a Board Member, I will endeavor to share that with the community. My commitment to the community and to supporting a local Credit Union will be fulfilled by my contributions to Bay Federals future successes in developing great loan and deposit products that meet the criteria of people helping people.

Bob Bugalski
Director

I have been a member of Bay Federal Credit Union since 1957. I have served on the Board of Directors since 1986. I retired from Cabrillo College after 31 years as an instructor and athletic coach.

Bay Federal Credit Union has established its commitment to provide the best possible service to its members. Steady growth, continued expansion, and competent service have contributed significantly to the Credit Union's financial prosperity. I'm honored to serve on the Board of Directors and will continue to be an advocate for responsible fiscal management, high-quality service, security, and sound administration.

Jeanne MacLaren
Director

I have faithfully served as a Board member since my election in 1990. During my tenure, I have served as Secretary, Vice Chair and Chair of the Board. I have been a member of Dominican Hospital's management team since 1984 and am currently the Co-Director of Rehabilitation Services for the hospital. I hold a BA and MA in Communicative Disorders and am a licensed Speech Language Pathologist. I reside in Scotts Valley with my husband, Tom.

Ivonne Guzman
Director

I was raised in Salinas and graduated from Alisal High School. I graduated from the University of California at Berkeley in 1992 with a Bachelors degree in Psychology. I have worked for Frito-Lay, Inc, Gloria Jean’s Gourmet Coffee, and most recently with Driscoll’s Strawberry Associates, Inc. as the Human Resources Manager for Benefits. I have been in Human Resources for 15 years. My husband and I are raising our three children in Salinas where we both grew up. I became a Bay Federal Credit Union member in 2007.

I am proud to serve on a board that truly takes pride in serving our local communities. I believe that by providing financial education, members can make sound financial decisions that will positively impact their lives. I look forward to increasing awareness in the Salinas Valley about the countless benefits of becoming a Bay Federal Credit Union Member.

I graduated from the University of Arizona with a Bachelor's Degree in Civil Engineering and moved back to Southern California where I was born and raised. After working for Los Angeles County and a southern California city, I moved to the Fresno area as City Administrator/City Engineer. In 1974, I became the Scotts Valley City Administrator and in 1978, I went to work for Ifland Engineers in Santa Cruz. Other than a five–year stay in Atlanta, Georgia, I have been employed with Ifland Engineers since 1978. My wife, Sallie, is retired from UCSC.

I became a member of Bay Federal Credit Union in 1992, was selected to serve on the Supervisory Committee in 1994, and was appointed to the Board of Directors in 1996. My interest in Bay Federal Credit Union was, in part, motivated by a strong conviction in the credit union philosophy of helping people through a cooperative structure governed by a volunteer Board of Directors. I must say I have been blessed in seeing my conviction manifested at Bay Federal through my fellow volunteers and our excellent staff.