2024-06-14T15:03:28-05:00 2023-12-31 382492570 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2023-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4045751817 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 4045751817 2024-06-14 CHRISTIN HEWITT XXX-XX-XXXX 0 JOHN J MURNANE JR P03021572 3052328272 2024-06-13 3 AAL1 IAL1 2023 2023-04-26 12:10:37Z DAVID A PRETER 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 609665673 0 X WWW.GEROGIASOWN.ORG X 1943 GA BANKING ON PURPOSE. 11 9 886 0 382189 0 0 0 197093047 270753630 12720094 20152736 0 0 209813141 290906366 285670 426596 0 0 86328752 84345755 0 0 0 83205437 192001613 169819859 276773964 39993282 14132402 4739869220 4282369899 4408333514 3939479105 331535706 342890794 BANKING ON PURPOSE. 0 0 PROVIDED THRIFT SAVINGS / BORROWINGS TO 240,650 MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 1 0 1 0 0 0 0 1 1 1 1 0 1 47425 0 1 886 1 1 1 0 0 0 0 0 1 0 X 11 9 0 0 1 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 GA X TERESA MARTIN 4045751817 100 PEACHTREE ST NW SUITE 2800 ATLANTA GA 30303 RICHARD E BURNS DIRECTOR-CHAIRPERSON 1.00 X 58164 0 0 DAVID DICKEY DIRECTOR- VICE CHAIRPERSON 1.00 X 39802 0 0 JOAN K SIMS DIRECTOR- SECRETARY 1.00 X 37052 0 0 PATRICK H CASEY DIRECTOR- TREASURER 1.00 X 37052 0 0 MICHAEL W BAUMGARTNER DIRECTOR 1.00 X 37052 0 0 WILLIAM E CONINE DIRECTOR 1.00 X 37052 0 0 JAMES L FOWLER DIRECTOR 1.00 X 37052 0 0 GARY M LUDGOOD DIRECTOR 1.00 X 39802 0 0 THOMAS H POLLOCK DIRECTOR 1.00 X 36814 0 0 ERVIN M WALKER DIRECTOR 1.00 X 39488 0 0 GEORGE REYNOLDS DIRECTOR 1.00 X 37135 0 0 DAVID A PRETER DIRECTOR/CEO 40.00 X X 1262741 0 201745 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 40.00 X 553581 0 109818 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT 40.00 X 1381588 0 123832 KELLY GARMON EVP, CHIEF RETAIL OFFICER 40.00 X 1113784 0 129709 JOHN CAREW CHIEF STRATEGY OFFICER 40.00 X 596234 0 140033 ERIC BROOME EVP, CHIEF OPERATIONS OFFICER 40.00 X 581095 0 159522 CINDY BOYLES CHIEF TALENT & ADMINISTRATIVE OFFICER 40.00 X 860732 0 123602 DREW PUTT CHIEF COMMERCIAL & PRIVATE BANKING 40.00 X 974817 0 54909 MATTHEW HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL 40.00 X 597154 0 193591 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER 40.00 X 464243 0 165102 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWEST REGION 40.00 X 763500 0 67680 MICHAEL STONE SVP COMMERCIAL LENDING 40.00 X 660640 0 60371 NICKOLAS KITCHENS SVP DEPUTY GENERAL COUNSEL 40.00 X 438016 0 111422 MICHAEL SIMS SVP, MARKET EXECUTIVE, SBA & NORTH FULTON 40.00 X 361110 0 310332 JAMES V BRYSON VP, MARKET EXECUTIVE, ATLANTA METRO 40.00 X 349261 0 46440 11394961 0 1998108 166 0 1 0 FISERV SOLUTIONS INC P O BOX 933193 ATLANTA GA 311933193 FINANCIAL TECHNOLOGY SERVICES 6034385 100 PEACHTREE PROPERTY LLC P O BOX 6721 CAROL STREAM IL 601976721 CORPORATE OFFICE RENT 3408805 ALKAMI TECHNOLOGY INC 5601 GRANITE PKWY SUITE 120 PLANO TX 75024 DIGITAL BANKING SOLUTIONS 2616821 AMPLIFI LOYALTY SOLUTIONS LLC 1620 BOND ST NAPERVILLE IL 60563 CREDIT CARD REWARDS SERVICES 2069428 SHI INTERNATIONAL CORP PO BOX 952121 DALLAS TX 75395 TECHNOLOGY VENDOR 1397955 101 INTEREST ON LOANS 522100 204446102 204446102 OTHER INCOME 522100 42269362 42269362 FEE INCOME 522100 23655977 23655977 FINANCE & INSURANCE 520000 299689 299689 PROFESSIONAL SCIENTIFIC AND TECHN 540000 82500 82500 270753630 22168560 22168560 316743483 318759307 -2015824 -2015824 -2015824 290906366 268355617 382189 22168560 X 426596 10224297 52343700 4487916 12945635 4344207 321355 119968 4302909 20318389 7436980 937596 74311738 5252055 PROVISION FOR LOAN LOSS 54023330 LOAN SERVICING EXPENSE 11314356 MISCELLANEOUS OPERATING 7836112 PROFESSIONAL AND OUTSID 5520760 306065 276773964 37622730 35164021 282026602 269586706 40807013 43722719 32627310 33976490 3527098021 3177044272 9543619 9027955 109572395 41450045 68281595 68122350 462797243 399275308 47998862 34517036 84048135 83048722 147018090 128884320 4739869220 4282369899 82518972 86108117 650829000 352064096 50000000 50000000 3624985542 3451306892 4408333514 3939479105 X 0 0 0 0 331535706 342890794 331535706 342890794 4739869220 4282369899 X 14132402 -1013618 -1763696 X X 0 1 X 1 0 19490026 19490026 34524426 5696119 28828307 8338525 4525253 3813272 46881972 31053887 15828085 337446 174786 162660 68122350 REGULAR SHARE ACCOUNTS 1114942856 SHARE DRAFT ACCOUNTS 924000345 MONEY MARKET ACCOUNTS 481840371 INDIVIDUAL RETIREMENT ACCOUNTS 22969466 SHARE AND IRA CERTIFICATES 907553854 3451306892 X 290906366 0 290906366 0 290906366 276773964 0 276773964 0 276773964 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. 1 ASSOCIATED CREDIT UNION FOUNDATION 6251 CROOKED CREEK RD PEACHTREE CORNERS GA 30092 262834337 501(C)(3) 7500 0 CHARITABLE CONTRIBUTION CHRIS TUCKER FOUNDATION INC 1740 HUDSON BRIDGE RD STE 1194 STOCKBRIDGE GA 30281 562431980 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION GEORGIA STATE UNIVERSITY FOUNDATION INC 1 PARK PLACE SUITE 533 ATLANTA GA 30303 586033185 501(C)(3) 101500 0 CHARITABLE CONTRIBUTION GEORGIA'S OWN FOUNDATION INC 100 PEACHTREE ST NW SUITE 2800 ATLANTA GA 30303 474818845 501(C)(3) 90000 10003 FMV AUCTION ITEM CHARITABLE CONTRIBUTION KING'S RIDGE CHRISTIAN SCHOOL ATTN JAIME DEARTH ONE ASSOC 2765 BETHANY BEND RD ALPHARETTA GA 30004 582600863 501(C)(3) 7500 0 CHARITABLE CONTRIBUTION LEAD INC 1266 WEST PACES FERRY RD SUITE 429 ATLANTA GA 30327 061820196 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION LIVESAFE RESOURCES INC 48 HENDERSON STREET SW MARIETTA GA 30064 580617782 501(C)(3) 6000 0 CHARITABLE CONTRIBUTION MEMBER FIRST MORTGAGE 616 44TH STREET SE GRAND RAPIDS MI 49548 383616059 5850 0 MFM CHARITY GOLF OUTING SPONSORSHIP AND MFM CHAITY GOLF OUTING PRIZE DONATION. SOUTHEASTERN CREDIT UNION FOUNDATION 3692 COOLIDGE CT TALLAHASSEE FL 32311 592252733 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION TECH ALPHARETTA 2972 WEBB BRIDGE RD ALPHARETTA GA 30009 471769869 501(C)(3) 6000 0 CHARITABLE CONTRIBUTION THE BRIAN JORDAN FOUNDATION 320 CHASON WOOD WAY ROSWELL GA 30076 522091069 501(C)(3) 15000 0 CHARITABLE CONTRIBUTION 10 1 PART I, LINE 2: THESE ARE CHARITABLE CONTRIBUTIONS, NOT GRANTS. THERE IS NO SUBSEQUENT MONITORING BY THE CREDIT UNION. X X X X 0 1 X X X X X 1 1 0 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT 397627 0 161012 0 822949 0 33138 0 90694 0 1505420 0 5550 0 DAVID A PRETER DIRECTOR/CEO 791112 0 357422 0 114207 0 41250 0 160495 0 1464486 0 10814 0 KELLY GARMON EVP, CHIEF RETAIL OFFICER 425448 0 163846 0 524490 0 46772 0 82937 0 1243493 0 472884 0 DREW PUTT CHIEF COMMERCIAL & PRIVATE BANKING 254510 0 166590 0 553717 0 22886 0 32023 0 1029726 0 3373 0 CINDY BOYLES CHIEF TALENT & ADMINISTRATIVE OFFICE 339670 0 135060 0 386002 0 44628 0 78974 0 984334 0 356977 0 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWEST REGION 273186 0 69783 0 420531 0 5588 0 62092 0 831180 0 0 0 MATTHEW HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL 339264 0 257350 0 540 0 35087 0 158504 0 790745 0 0 0 ERIC BROOME EVP, CHIEF OPERATIONS OFFICER 412613 0 144116 0 24366 0 29405 0 130117 0 740617 0 1311 0 JOHN CAREW CHIEF STRATEGY OFFICER 409656 0 158053 0 28525 0 49323 0 90710 0 736267 0 556 0 MICHAEL STONE SVP COMMERCIAL LENDING 176319 0 93760 0 390561 0 25056 0 35315 0 721011 0 0 0 MICHAEL SIMS SVP, MARKET EXECUTIVE, SBA & NORTH F 343420 0 14126 0 3564 0 38616 0 271716 0 671442 0 0 0 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 403126 0 142177 0 8278 0 21539 0 88279 0 663399 0 3082 0 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER 331227 0 130676 0 2340 0 35358 0 129744 0 629345 0 0 0 NICKOLAS KITCHENS SVP DEPUTY GENERAL COUNSEL 214301 0 223175 0 540 0 34123 0 77299 0 549438 0 0 0 JAMES V BRYSON VP, MARKET EXECUTIVE, ATLANTA METRO 113001 0 59788 0 176472 0 20419 0 26021 0 395701 0 0 0 PART I, LINE 1B THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING FIRST-CLASS TRAVEL, COMPANION TRAVEL, OR HEALTH/SOCIAL CLUB DUES PAID. HOWEVER, HEALTH/SOCIAL CLUB DUES ARE ADDRESSED IN EACH EXECUTIVE'S EMPLOYMENT CONTRACT WHICH WAS SIGNED BY THE BOARD (OR PREDECESSOR BOARD IN THE CASE OF MERGERS). TAX INDEMNIFICATION AND GROSS-UP PAYMENTS ARE MADE IN CONJUNCTION WITH 457F PLANS IF CONTRACTUALLY REQUIRED BY THOSE PLANS. PART I, LINES 4A-B DREW PUTT: $551,250 (2023 PAYOUT) JAMES V BRYSON: $169,600 (2023 PAYOUT) MICHAEL STONE: $390,000 (2023 PAYOUT) THE FOLLOWING INDIVIDUALS PARTICIPATED IN 457F PLAN IN 2023: BARRY HEAPE: $683,060 (2023 PAYOUT) CINDY BOYLES: $375,216 (2023 PAYOUT) ERIC BROOME: $48,970 (2023 ACCRUAL) KELLY GARMON: $497,193 (2023 PAYOUT) KEVAN WILLIAMSON: $60,066 (2023 ACCRUAL) MATTHEW HAVICE: $76,672 (2023 ACCRUAL) MICHAEL SIMS: $77,163 (2023 ACCRUAL) ROBERT YOUNGBLOOD: $341,530 (2023 PAYOUT) THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO CURRENT AND FORMER MEMBERS OF THE EXECUTIVE MANAGMENT TEAM INCLUDING DAVID PRETER, KELLY GARMON, MATT HAVICE, CHRISTIN HEWITT, KEVAN WILLIAMSON, CINDY BOYLES, JOHN CAREW, ERIC BROOME, BARRY HEAPE, ROBERT YOUNGBLOOD, AND MICHAEL STONE THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." UNDER THE AGREEMENT, THE EXECUTIVE IS THE OWNER OF THE POLICY AND MAKES A COLLATERAL ASSIGNMENT TO THE CREDIT UNION IN RETURN FOR A LOAN. AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE UNDERLYING LIFE INSURANCE POLICY TO SUPPLEMENT RETIREMENT INCOME. THESE DRAWS ARE TAX FREE FOR THE PARTICIPANTS. UPON THE PARTICIPANT'S DEATH THE CREDIT UNION RECOVERS ITS PREMIUMS AND ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON. DAVID PRETER CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 7135223 7510000 0 1 1 WILLIAM LUSK FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 1461154 1829684 0 1 1 KELLY GARMON EVP & CHIEF RETAIL OFFICER SPLIT DOLLAR LIFE INSURANCE X 5344815 5831786 0 1 1 GREG GIBSON FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 2900000 2825727 0 1 1 MATT HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL SPLIT DOLLAR LIFE INSURANCE X 450000 436038 0 1 1 CHRISTIAN HEWITT CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 3600000 3578220 0 1 1 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 450000 437562 0 1 1 CINDY BOYLES CHIEF ADMINISTRATIVE & TALENT OFFICER SPLIT DOLLAR LIFE INSURANCE X 5150000 5121410 0 1 1 JOHN CAREW CHIEF STRATEGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 2550000 2340211 0 1 1 ERIC BROOME EVP & CHIEF OPERATIONS OFFICER SPLIT DOLLAR LIFE INSURANCE X 2650000 2630156 0 1 1 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT SPLIT DOLLAR LIFE INSURANCE X 1435696 1435696 0 1 1 33976490 DAVID DICKEY DIRECTOR 325000 ADVERTISING SERVICES PAID TO DICKEY BROADCASTING CO. 0 FORM 990, SCH L, PART II THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." UNDER THE AGREEMENT, THE EXECUTIVE IS THE OWNER OF THE POLICY AND MAKES A COLLATERAL ASSIGNMENT TO THE CREDIT UNION IN RETURN FOR A LOAN. THE CREDIT UNION RECOVERS ANY OUTLAYS FROM THE UNDERLYING POLICY. THAT IS, THE CREDIT UNION DEPOSITS FUNDS DIRECTLY INTO A LIFE INSURANCE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE BORROWINGS ARE MONITORED TO ENSURE THE POLICY WILL PAY A DEATH BENEFIT SUFFICIENT TO COVER THE LOAN BALANCE DUE BACK TO THE CREDIT UNION. ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON. FORM 990, PART VI, SECTION A, LINE 4 THE FIELD OF MEMBERSHIP WITHIN THE BYLAWS WAS UPDATED AS A RESULT OF THE MERGER BETWEEN GEORGIA'S OWN CREDIT UNION AND HEALTH CENTER CREDIT UNION. THERE WERE NO OTHER SUBSTANTIVE CHANGES IN THEY BYLAWS OR ANY OTHER ORGANIZATIONAL DOCUMENTS. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF MEMBER OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE, AND VOTING RIGHTS AT THE ANNUAL MEETINGS. FORM 990, PART VI, SECTION A, LINE 7A CURRENT MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL OF MEMBERS. THESE DECISIONS MAY ALSO BE SUBJECT TO SCRUTINY BY VARIOUS GOVERNMENTAL AGENCIES. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY BOTH THE CREDIT UNION'S CFO AND SVP OF ACCOUNTING AFTER BEING PREPARED BY THE CPA FIRM. FORM 990, PART VI, SECTION B, LINE 12C THE CONFLICT-OF-INTEREST POLICY IS REGULARLY AND CONSISTENTLY MONITORED AND ENFORCED BY THE GOVERNING BODY. THE POLICY REQUIRES THAT ALL "OFFICERS, DIRECTORS, EXECUTIVE MANAGEMENT, AND SENIOR MANAGEMENT DISCLOSE CONFLICTS OF INTEREST". OFFICERS, EXECUTIVE MANAGEMENT, AND SENIOR MANAGEMENT ARE REQUIRED TO REVIEW THE BOARD POLICIES MANUAL (INCLUDING MANAGEMENT GUIDELINES) ANNUALLY AND COMPLY WITH ALL POLICIES DISCLOSED THEREIN. SIMILARLY, THE BOARD OF DIRECTORS ARE REQUIRED TO DISCLOSE AND ATTEST TO ANY CONFLICTS ANNUALLY ON A PHYSICAL FORM, WHICH IS MAINTAINED FOR RECORD KEEPING PURPOSE. ENFORCEMENT OF THE POLICY IS SPEARHEADED BY THE SVP - ENTERPRISE RISK MANAGEMENT & GENERAL COUNSEL WHO (1) ANNUALLY REVIEWS THE POLICY FOR ADEQUACY; (2) ADDRESSES ANY QUESTIONS RELATED TO THE POLICY THAT ANY PARTIES MAY HAVE; AND (3) ENSURES THAT WHEN A CONFLICT ARISES THAT THOSE ARE HANDLED CONSISTENTLY WITH THE PRESCRIBED PROCEDURES WITHIN THE POLICY. FOR CLARITY, THE POLICY REQUIRES THAT IN THE EVENT OF A CONFLICT THAT THE CREDIT UNION SOLICIT MULTIPLE QUOTES/BIDS FROM NUMEROUS COMPANIES WITHIN THE FIELD AND THE CONFLICTED EMPLOYEE OR DIRECTOR IS RECUSED FROM THE DECISION-MAKING PROCESS. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION AND ITS COMPENSATION COMMITTEE ENGAGED THE SERVICES OF D. HILTON ASSOCIATES, INC. TO PROVIDE EXECUTIVE COMPENSATION CONSULTING SERVICES. D. HILTON CONDUCTED AN IN-DEPTH MARKET ANALYSIS FOR BASE SALARY AND TOTAL CASH COMPENSATION FOR CEO, HIS EXECUTIVE DIRECT REPORTS AND KEY EMPLOYEES, PROVIDING WRITTEN FINDINGS. CEO DATA WAS REVIEWED, AND COMPENSATION DETERMINED BY THE COMPENSATION COMMITTEE AND SUBSEQUENTLY APPROVED BY THE BOARD OF DIRECTORS. THE DATA FOR C-LEVEL OFFICERS WAS REVIEWED BY THE CEO AND CATO, RECOMMENDED TO AND SUBSEQUENTLY APPROVED BY THE COMPENSATION COMMITTEE AND BOARD OF DIRECTORS IF REQUIRED BY THE COMPENSATION COMMITTEE CHARTER. DATA FOR SVP ROLES WAS REVIEWED BY THE CEO AND CATO. DISCUSSIONS AND DECISIONS BY THE COMPENSATION COMMITTEE AND THE BOARD OF DIRECTORS ARE RECORDED IN MEETING MINUTES. IN ADDITION TO D. HILTON SERVICES, THE CREDIT UNION PARTICIPATES IN AND/OR REVIEWS DATA FROM OTHER CREDIT UNION EXECUTIVE COMPENSATION SURVEYS DURING EACH YEAR. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE TO MEMBERS UPON REQUEST. THE QUARTERLY CALL REPORT, WHICH INCLUDES YEAR TO DATE FINANCIAL STATEMENTS, IS AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV. FORM 990, PART IX, LINE 24E DEPT OF BANKING & FINANCE 306,065. FORM 990, PART XI, LINE 9: EQUITY ACQUIRED IN BUSINESS COMBINATIONS 7,026,540. CUMULATIVE EFFECT FROM CHANGE IN ACCOUNTING PRINCIPLE -8,790,236. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. CUSO HOLDING COMPANY LLC 100 PEACHTREE STREET NW ATLANTA GA 30303 883221966 HOLDING COMPANY GA 5142553 21331070 GEORGIA'S OWN CREDIT UNION GEORGIA'S OWN FOUNDATION INC 100 PEACHTREE ST NW SUITE 3250 ATLANTA GA 30303 474818845 CHAIRTY GA 501(C)(3) LINE 7 GEORGIA'S OWN CREDIT UNION 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 1 0 1 0 0 GEORGIA'S OWN FOUNDATION B 100003 FMV GEORGIA'S OWN FOUNDATION Q 148608 ACTUAL INVOICE