2023-11-14T08:11:50-06:00 2022-12-31 420714325 RSM US LLP 4650 EAST 53RD STREET DAVENPORT IA 528073479 990 2022-01-01 951209332 BLUPEAK CREDIT UNION BLUP 8587956000 10120 PACIFIC HEIGHTS BLVD 100 SAN DIEGO CA 92121 TODD THARP PRESIDENT & CEO 8587956000 2023-11-10 1 TODD THARP 999009999 0 JENIFER L CHASE P01306883 5638884000 2023-11-10 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z TODD THARP 10120 PACIFIC HEIGHTS BLVD 100 SAN DIEGO CA 92121 95955623 0 X WWW.BLUPEAK.COM X 1936 CA BLUPEAK CREDIT UNION IS DEDICATED TO BUILDING A COMMUNITY, INSPIRING COMPASSION, AND BEING A CONDUIT FOR POSITIVE CHANGE BY SUPPORTING ACCESS TO CLEAN WATER AS A MEANS FOR BRIDGING SOCIOECONOMIC GAPS AND PROVIDING AID TO THOSE IN NEED. 8 8 215 11 87786 0 0 0 35979143 38152384 5015115 8300524 -395778 -437198 40598480 46015710 0 6500 0 0 18753358 18684911 0 0 0 21298199 24041438 40051557 42732849 546923 3282861 1264438336 1240251202 1162077824 1162663505 102360512 77587697 X WE ARE A MEMBER OWNED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE; WE EXIST TO SERVE - TO ENRICH LIVES AND BUILD BETTER FUTURES. 0 0 EFFECTIVE OCTOBER 28, 2022, UNIVERSITY & STATE EMPLOYEES CREDIT UNION CHANGED ITS NAME TO BLUPEAK CREDIT UNION. MEMBERSHIP IN BLUPEAK CREDIT UNION PROVIDES ACCESS TO A ROBUST ARRAY OF QUALITY FINANCIAL SERVICES AND PRODUCTS INCLUDING CHECKING AND SAVINGS ACCOUNTS. UNLIKE BANKS, WHICH RETURN THEIR PROFITS TO SHAREHOLDERS, BLUPEAK CREDIT UNION RETURNS ITS PROFITS TO MEMBERS IN THE FORM OF HIGHER RATES ON DEPOSITS AND A HOST OF FREE AND LOW-COST SERVICES. AS OF DECEMBER 31, 2022, MEMBERS HELD 70,814 DEPOSIT ACCOUNTS TOTALING OVER $1,102 MILLION. THESE ACCOUNTS INCLUDED FREE CHECKING, LOW-BALANCE SAVINGS, IRA'S, AND HIGH-YIELD MONEY MARKET AND TERM INVESTMENT ACCOUNTS. AS A MEMBER-OWNED, NOT-FOR-PROFIT COOPERATIVE, BLUPEAK CREDIT UNION ("BLUPEAK") IS DEDICATED TO PROVIDING THE FINANCIAL PRODUCTS AND SERVICES MEMBERS NEED AT EVERY STAGE OF LIFE. WHETHER IT'S BUYING A FIRST CAR, FINANCING A NEW HOME, OR SEEKING A HIGHER EDUCATION, BLUPEAK OFFERS MEMBERS LOW-COST HOME, VEHICLE, AND PERSONAL LOANS, AS WELL AS, FREE FINANCIAL SEMINARS TO ASSIST THEM IN MAKING SOUND FINANCIAL CHOICES. AS OF DECEMBER 31, 2022, BLUPEAK MEMBERS HELD 15,945 MORTGAGE, HOME EQUITY, VEHICLE, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $859 MILLION. SINCE 1936, BLUPEAK CREDIT UNION ("BLUPEAK") HAS BEEN HELPING PEOPLE ACHIEVE THEIR MOST IMPORTANT FINANCIAL GOALS. AS ONE OF CALIFORNIA'S LARGEST CREDIT UNIONS, BLUPEAK OFFERS FULL-SERVICE BANKING INCLUDING FREE AND LOW-COST E-SERVICES. MEMBERS CAN MANAGE THEIR PERSONAL FINANCES ANYTIME, ANYWHERE WITH TELEPHONE, ONLINE AND WIRELESS INTERNET BANKING. AS AN ADDITIONAL CONVENIENCE, BLUPEAK OFFERS BILLPAY SERVICES TO MEMBERS WITH QUALIFYING CHECKING ACCOUNTS AT NO COST. EACH MONTH, APPROXIMATELY 32,000 MEMBERS UTILIZE THE E-SERVICES AVAILABLE 24 HOURS PER DAY. IN ADDITION, BLUPEAK HAS PARTNERED WITH OTHER CREDIT UNIONS TO FORM THE CO-OP ATM NETWORK. THIS NETWORK PROVIDES MEMBERS ACCESS TO APPROXIMATELY 30,000 NO-FEE ATM'S THROUGHOUT THE UNITED STATES, INCLUDING LOCATIONS AT POPULAR RETAILERS. ADDITIONAL BLUPEAK CREDIT UNION MEMBERSHIP BENEFITS INCLUDE: 1) PROFESSIONAL BROKERAGE AND INVESTMENT SERVICES, 2) TAX PREPARATION SERVICES, 3) MONEY-SAVING AUTO, HOME, HEALTH AND LIFE INSURANCE PROGRAMS, 4) FREE FINANCIAL EDUCATION SEMINARS, AND 5) MERCHANT, RECREATION AND TRAVEL DISCOUNTS. 0 0 1 0 0 0 0 1 0 1 1 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 14255 0 1 215 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 1 0 1 1 0 1 0 0 0 0 1 1 1 1 1 1 0 0 X CARRIE KNUTSON VPFINANCE 8587956000 10120 PACIFIC HEIGHTS BLVD 100 SAN DIEGO CA 92121 TODD THARP PRESIDENT/CEO 40.00 X 670005 0 54126 JAMES HARRIS FORMER CEO 40.00 X 585457 0 47857 MATTHEW LYONS EVP/CHIEF OPERATING OFFICER 40.00 X 506283 0 57109 MARGARITA GUERRA SVP/CFO/SECRETARY 40.00 X 301430 0 27882 AMBER FIELDER SVP/CHIEF MARKETING OFFICER 40.00 X 283030 0 33012 CHARLES WILLIAMS SVP/CHIEF RISK OFFICER 40.00 X 241043 0 23508 KAREN SMITH VP/CHIEF CREDIT OFFICER 40.00 X 229815 0 28071 RISHI DAVE VP ENTERPRISE TECH. & ARCHITECTURE 40.00 X 199839 0 36831 LAURA YOUNG FORMER SVP/CHIEF HR OFFICER 0.00 X 204971 0 0 MELVINREY DE GUZMAN VP OF REAL ESTATE & CAPITAL MARKETS 40.00 X 182867 0 21879 DANTE CARLESIMO SOFTWARE ENGINEER II 40.00 X 179642 0 19466 YAN HUANG FORMER VP SOFTWARE ENGINEER 40.00 X 182569 0 8899 JAMES CREED VP OF OPERATIONS AND PAYMENTS 40.00 X 165583 0 18433 GLORIA NUNES VP OF HUMAN RESOURCES 40.00 X 157252 0 20757 MATT ADAMS VICE CHAIR 3.00 X X 0 0 0 DAVID ELY DIRECTOR 3.00 X 0 0 0 HARRY LE GRANDE DIRECTOR 3.00 X 0 0 0 JOSHUA LAWRENCE CHAIR 3.00 X X 0 0 0 STEVEN LEI DIRECTOR 3.00 X 0 0 0 YVONNE MARSH DIRECTOR 3.00 X 0 0 0 LES OVERMAN DIRECTOR 3.00 X 0 0 0 BEVERLY RANDEZ DIRECTOR 3.00 X 0 0 0 4089786 0 397830 40 1 1 0 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CARD PROCESSING/CALL CENTER SERVICES 1066930 NCR CORPORATION 858 SPRING STEET NW ATLANTA GA 30308 ONLINE BANKING/WEBSITE HOSTING SERVICES 1046890 MASTERCARD INTERNATIONAL 2200 MASTERCARD BOULEVARD OFALLON MO 63368 CARDHOLDER SERVICES 948934 THE DATA FACTOR LLC 2203 E 149TH AVENUE THORNTON CO 80602 DATA WAREHOUSE SERVICES/CONSULTING 740108 BUSINESS DATA INC 321 NORTH OAK STREET INGLEWOOD CA 90302 STATEMENT/NOTICE PROCESSING 617941 26 LOAN INTEREST INCOME 522100 31053264 31053264 SERVICE CHARGES AND FEE INCOME 522100 4039551 3951765 87786 INTERCHANGE INCOME 522100 3059569 3059569 38152384 6415549 6415549 325524 762722 -437198 -437198 -437198 15510954 35551212 15393642 33783549 117312 1767663 1884975 1884975 46015710 38064598 87786 7863326 6500 2691985 12804804 534933 1477929 1175260 172083 -26696 2602533 1976270 1921673 3713030 2357004 95058 137953 125249 2859673 138079 DIVIDENDS PAID TO MEMBE 2441390 LOAN PROGRAM/SERVICING 1690007 ATM EXPENSES 1477803 CREDIT CARD PROGRAM COS 1014890 1345439 42732849 181217272 112940023 746960156 854241500 1825891 2655518 54004540 29744161 26050345 24260379 232030926 164103292 76353746 82050490 1264438336 1240251202 2119509 2102456 5000000 33500000 1154958315 1127061049 1162077824 1162663505 X 0 0 0 0 102360512 77587697 102360512 77587697 1264438336 1240251202 3282861 -28055676 0 X X 0 1 X 1 0 5000 0 0 5000 5000 1 CCUL PAC 1201 K STREET SUITE 1050 SACRAMENTO CA 95814 942329967 5000 0 PART I-A, LINE 1: BLUPEAK CREDIT UNION'S POLITICAL ACTIVITIES ARE PRIMARILY CENTERED AROUND SPECIFIC LEGISLATIVE BILLS OF SPECIFIC INTEREST TO BLUPEAK AND/OR THE CREDIT UNION INDUSTRY. WE PARTICIPATE WITH THE CALIFORNIA/NEVADA CREDIT UNION LEAGUE AND CUNA BY SENDING LETTERS OF SUPPORT OR OPPOSITION TO PROPOSED LEGISLATION. WE ALSO, ON AN INDIVIDUAL BASIS, ATTEND FUNDRAISERS TO SUPPORT CREDIT UNION FRIENDLY LEGISLATORS. FINANCIAL CONTRIBUTIONS ARE MADE PERIODICALLY BY EITHER PERSONAL FUNDS OR THROUGH PAC CONTRIBUTIONS. 0 1 X 8257243 8257243 19280712 9749964 9530748 6697394 4924377 1773017 18356713 15069820 3286893 1412478 1412478 24260379 FEDERAL HOME LOAN BANK STOCK 6343200 C FEDERAL AGENCIES SECURITIES 28031682 F MORTGAGE-BACKED SECURITIES 67666701 F SMALL BUSINESS ADMINISTRATION LOAN POOLS 10732959 F AGENCY NOTES & BONDS 51328750 F 164103292 ACCRUED INTEREST RECEIVABLE 3126056 NCUA SHARE INSURANCE DEPOSITS 10380972 ACH SETTLEMENT CLEARING 34657914 INSURANCE CONTRACTS 22694815 OTHER ASSETS 11190733 82050490 MEMBER SHARES 1102244748 OTHER LIABILITIES 24816301 1127061049 X PART IV, LINE 2B: BLUPEAK CREDIT UNION (THE CREDIT UNION) MAINTAINS ESCROW ACCOUNTS FOR MORTGAGE LOANS HELD BY MEMBERS. THE CREDIT UNION ALSO HOLDS CUSTODIAL ACCOUNTS TO FACILITATE THE SERVICING OF LOANS SOLD TO ENTITIES SUCH AS FANNIE MAE. AT 12/31/2022 ESCROW BALANCES TOTALED $2,102,456 AND THE VALUE OF ASSETS FOR WHICH THE CREDIT UNION SERVES AS CUSTODIAN WAS $97,294. THE ESCROW BALANCES ARE USED TO PAY FOR REAL ESTATE TAXES AND HOMEOWNERS INSURANCE ON BEHALF OF MEMBERS. PART X, LINE 2: BLUPEAK CREDIT UNION (THE CREDIT UNION) IS A STATE-CHARTERED CREDIT UNION, AS DESCRIBED IN INTERNAL REVENUE CODE (IRC) SECTION 501 (C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES, EXCEPT FOR UNRELATED BUSINESS INCOME, AS DEFINED IN IRC SECTION 512 AND IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007 TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE INTERNAL REVENUE SERVICE RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. MANAGEMENT HAS DETERMINED THAT ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSES IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S CONSOLIDATED FINANCIAL CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. OPERATIONS OF THE SUBSIDIARY RESULTED IN IMMATERIAL INCOME TAXES PAID FOR THE YEARS ENDED DECEMBER 31, 2022 AND 2021. FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE-LIKELY-THAN-NOT TO BE SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2022 AND 2021, MANAGEMENT DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. 1 0 0 COLLEGE SCHOLARSHIPS 5 6500 PART I, LINE 2: BLUPEAK CREDIT UNION DOES NOT MONITOR THE USE OF COLLEGE SCHOLARSHIPS TO RECIPIENTS. X X X 1 1 0 TODD THARP PRESIDENT/CEO 522566 0 100904 0 46535 0 18462 0 35664 0 724131 0 100904 0 JAMES HARRIS FORMER CEO 234012 0 265441 0 86004 0 35828 0 12029 0 633314 0 243590 0 MATTHEW LYONS EVP/CHIEF OPERATING OFFICER 291563 0 117522 0 97198 0 34518 0 22591 0 563392 0 104158 0 MARGARITA GUERRA SVP/CFO/SECRETARY 218706 0 0 0 82724 0 14204 0 13678 0 329312 0 0 0 AMBER FIELDER SVP/CHIEF MARKETING OFFICER 211681 0 0 0 71349 0 13649 0 19363 0 316042 0 0 0 CHARLES WILLIAMS SVP/CHIEF RISK OFFICER 217850 0 0 0 23193 0 9015 0 14493 0 264551 0 0 0 KAREN SMITH VP/CHIEF CREDIT OFFICER 197526 0 0 0 32289 0 9092 0 18979 0 257886 0 0 0 RISHI DAVE VP ENTERPRISE TECH. & ARCHITECTURE 198962 0 0 0 877 0 7385 0 29446 0 236670 0 0 0 LAURA YOUNG FORMER SVP/CHIEF HR OFFICER 0 0 0 0 204971 0 0 0 0 0 204971 0 0 0 MELVINREY DE GUZMAN VP OF REAL ESTATE & CAPITAL MARKETS 167151 0 0 0 15716 0 8663 0 13216 0 204746 0 0 0 DANTE CARLESIMO SOFTWARE ENGINEER II 128950 0 0 0 50692 0 9000 0 10466 0 199108 0 0 0 YAN HUANG FORMER VP SOFTWARE ENGINEER 168499 0 0 0 14070 0 7009 0 1890 0 191468 0 0 0 JAMES CREED VP OF OPERATIONS AND PAYMENTS 156030 0 0 0 9553 0 5927 0 12506 0 184016 0 0 0 GLORIA NUNES VP OF HUMAN RESOURCES 130553 0 0 0 26699 0 7981 0 12776 0 178009 0 0 0 PART I, LINES 4A-B BLUPEAK CREDIT UNION PAID LAURA YOUNG, FORMER SVP/CHIEF HUMAN RESOURCES OFFICER, $204,971 IN SEVERANCE PAYMENTS DURING CALENDAR YEAR 2022. IN 2019, BLUPEAK CREDIT UNION (CREDIT UNION) ADOPTED A LONG-TERM INCENTIVE PLAN (LTIP) FOR CERTAIN SENIOR EXECUTIVES (COLLECTIVELY, THE "LTIP PARTICIPANTS"). THIS PLAN WAS TERMINATED IN 2022. THE LTIP PROVIDED FOR PAYMENTS TO THE LTIP PARTICIPANTS BASED ON EMPLOYMENT DATE MILESTONES WITH THE CREDIT UNION. PARTICIPANTS WERE ENTITLED TO PAYMENT IF ACTIVELY EMPLOYED AT THE TIME OF PAYOUT OR IF TERMINATED BY THE CREDIT UNION BEFORE THE END OF THE MEASUREMENT PERIOD. THE FOLLOWING EXECUTIVES WERE PARTICIPANTS IN THE LTIP IN 2022: JAMES HARRIS - $22,257 BENEFIT EXPENSE; $243,590 DISTRIBUTION TODD THARP - $3,881 BENEFIT EXPENSE; $100,904 DISTRIBUTION MATTHEW LYONS - $24,052 BENEFIT EXPENSE; $104,158 DISTRIBUTION THE BENEFIT EXPENSE AMOUNTS ARE REPORTED AS DEFERRED COMPENSATION ON FORM 990, PART VII AND SCHEDULE J, PART II. THE DISTRIBUTION AMOUNTS WERE INCLUDED IN DEFERRED COMPENSATION ON THE PRIOR YEARS' FORM 990, PART VII AND SCHEDULE J, PART II. THESE INDIVIDUALS REACHED A SPECIFIED LEVEL OF VESTING IN 2022, SO THE DISTRIBUTION AMOUNTS ARE NOW INCLUDED IN REPORTABLE COMPENSATION ON THE CURRENT YEAR FORM 990, PART VII AND SCHEDULE J, PART II IN COLUMNS B(II) AND F. FORM 990, PART VI, SECTION A, LINE 4 THE ORGANIZATION UPDATED ITS BYLAWS TO REFLECT THE NAME CHANGE FROM UNIVERSITY & STATE EMPLOYEES CREDIT UNION TO BLUPEAK CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 6 BLUPEAK CREDIT UNION HAS MEMBERS AS SPECIFIED IN ITS BYLAWS. FORM 990, PART VI, SECTION A, LINE 7A BLUPEAK CREDIT UNION MEMBERS HAVE THE POWER TO ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 8B BLUPEAK CREDIT UNION DOES NOT HAVE COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY THE CREDIT UNION'S CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C BLUPEAK CREDIT UNION REQUIRES THAT ALL ELECTED OFFICIALS, COMMITTEE MEMBERS, MANAGEMENT, AND STAFF OF BLUPEAK CREDIT UNION AND ITS SUBSIDIARIES DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ON AN ANNUAL BASIS. HUMAN RESOURCES AND RISK MANAGEMENT PERSONNEL MONITOR AND ENFORCE COMPLIANCE WITH THE CREDIT UNION'S CONFLICT OF INTEREST POLICY. IN THE EVENT AN ACTUAL CONFLICT IS IDENTIFIED, RISK MANAGEMENT PERSONNEL IN PARTNERSHIP WITH HUMAN RESOURCES DETERMINE THE APPROPRIATE ACTIONS NECESSARY TO MITIGATE SUCH CONFLICTS. SUCH ACTIONS INCLUDE RESTRICTION OR EXCLUSION FROM VOTING OR PARTICIPATING IN GOVERNING DELIBERATIONS AND DECISION MAKING. FORM 990, PART VI, SECTION B, LINE 15A BLUPEAK CREDIT UNION UTILIZES COMPEASE, A SOFTWARE APPLICATION LINKED TO SALARY SURVEY DATA, TO ESTABLISH COMPENSATION LEVELS FOR EACH CREDIT UNION POSITION. COMPENSATION FOR EXECUTIVES, OFFICERS AND KEY EMPLOYEES IS BASED UPON COMPEASE EVALUATIONS, OTHER INDUSTRY COMPENSATION DATA, A CANDIDATE'S SALARY HISTORY, AND THE SALARY JUDGED NECESSARY TO ATTRACT QUALIFIED CANDIDATES BASED UPON THEIR SKILLS AND EXPERIENCE. THE CHIEF EXECUTIVE OFFICER'S COMPENSATION IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS WITH SUBSTANTIATION OF THIS PROCESS MAINTAINED IN CREDIT UNION RECORDS. THIS PROCESS LAST OCCURRED IN 2023. FORM 990, PART VI, SECTION C, LINE 19 BLUPEAK CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104. FORM 990, PART XII, LINE 2C: THE OVERSIGHT AND SELECTION PROCESS HAS NOT CHANGED FROM THE PRIOR TAX YEAR. FORM 990, PART I, LINES 14 & 17: IN 2022, BLUPEAK CREDIT UNION DETERMINED THAT IT WAS MORE APPROPRIATE TO INCLUDE IN THE PRIOR YEAR COLUMN FOR LINE 17 (OTHER EXPENSES) CERTAIN ITEMS INCLUDED IN PRIOR YEAR FORMS 990, PART IX, IN LINE 4 (BENEFITS PAID TO OR FOR MEMBERS). CONFORMING ADJUSTMENTS HAVE BEEN MADE TO THE CURRENT YEAR AMOUNTS LISTED IN THE CURRENT YEAR COLUMN OF PART I AND PART IX. USE FINANCIAL SERVICES LLC 10120 PACIFIC HEIGHTS BLVD SUITE 10 SAN DIEGO CA 92121 FINANCIAL SERVICES (INACTIVE) CA 0 0 BLUPEAK CREDIT UNION