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Winifred is a Colorado native, and a member of the third generation of Creightons involved in High Plains Bank. She holds degrees in economics from Colorado College and Queen Mary College (London, England). She lives in California and is retired from a second career as the community relations and fund development manager for the Oakland Public Library system serving 400,000 residents. Previously, she worked for a San Francisco corporation as a manager in regulation, human resources, and finance. Currently, she volunteers with the Friends of the Oakland Public Library and the AARP Foundation Tax-Aide program.