ORDER OF PROHIBITION

WHEREAS, Patricia A. Galvin has executed a Stipulation and Consent to Issuance of Order of Prohibition, which is accepted and approved by the National Credit Union Administration acting through its counsel; and

WHEREAS, Patricia A. Galvin, in the Stipulation has consented and agreed to the issuance of this Order of Prohibition pursuant to Section 206(g) of the Federal Credit Union Act. 12 U.S.C. §1786(g), and Part 747 of the National Credit Union Administration Rules and Regulations,

NOW THEREFORE, IT IS ORDERED THAT:

1. Patricia A. Galvin is an institution-affiliated party in that she was the manager of the Oakland Airport Federal Credit Union, located in Oakland, California.

2. The Stipulation and Consent to the Issuance of this Order of Prohibition is made a part hereof and is incorporated herein by reference.

3. Patricia A. Galvin is prohibited from participating in any manner in the conduct of the affairs of any federally insured credit union and any other institution as defined in 12 U.S.C. §1786(g)(7).

4. This Order of Prohibition shall be effective on the date it is issued.

JANE A WALTERS

Director, Region VI

National Credit Union Administration

The National Credit Union Administration Board, by and through its undersigned counsel, and Patricia A. Galvin, the former manager of the Oakland Airport Federal Credit Union, Oakland, California, hereby stipulate and agree as follows:

1. Consideration. The National Credit Union Administration is of the opinion that grounds exist to initiate an administrative prohibition against Patricia A. Galvin pursuant to Section 206 of the Federal Credit Union Act, 12 U.S.C. §1786. Patricia A. Galvin desires to avoid the time, cost and expense of administrative litigation and hereby stipulates and agrees to the following terms in consideration of the forbearance of the National Credit Union Administration Board from conducting an administrative hearing and imposing other remedial sanctions against her.

2. Jurisdiction.

(a) Patricia A. Galvin is an "institution-affiliated party" within the meaning of Section 206(r) of the Federal Credit Union Act. 12 U.S.C. §1786(r).

(b) Pursuant to the authority vested in the Board of the National Credit Union Administration under Section 206(g) of the Federal Credit Union Act,. 12 U.S.C. §1786(c,), and Part 747 of the National Credit Union Administration Rules and Regulations, it is an appropriate federal agency to maintain enforcement proceedings against such institution-affiliated party. Therefore, Patricia A. Galvin is subject to the authority of the National Credit Union Administration to initiate and maintain prohibition proceedings against her.

3. Consent. Patricia A. Galvin consents to the issuance by the National Credit Union Administration Board of the accompanying Order of Prohibition. She further agrees to comply with its terms upon issuance and stipulates that the Order complies with all requirements of the law.

4. Waivers. Patricia A. Galvin waives her right to the administrative hearing provided for in Section 206(g)(4) of the Federal Credit Union Act, 12 U.S.C. §1786(g)(4). She further waives her right to seek judicial review of the Order of Prohibition or otherwise challenge the validity or legality of the Order.

5. Finality. The Order of Prohibition is issued pursuant to Section 206(g) of the Federal Credit Union Act. 12 U.S.C. §1786(g). Upon its issuance by the National Credit Union Administration Board, it shall be a final Order, effective and fully enforceable by the National Credit Union Administration.

WHEREFORE, in consideration of the foregoing, the undersigned, on behalf of the National Credit Union Administration and Patricia A. Galvin, execute this Stipulation and Consent to Issuance of Order of Prohibition.

NATIONAL CREDIT UNION ADMINISTRATION

By: ______--S--_____________ _____4/13/99____________

Allan Meltzer Date

Associate General Counsel

______--S--_____________ ____2/2/99_____________

Patricia A. Galvin Date

(Notary Seal) ___________________________

Notary Public

My Commission expires: _____________