2023-11-01T16:42:31-05:00 2022-12-31 382492570 DOEREN MAYHEW 12060 SW 129TH COURT STE 201 MIAMI FL 331864582 990 2022-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4045751817 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 4045751817 2023-10-31 CHRISTIN HEWITT XXX-XX-XXXX 0 JOHN J MURNANE JR P03021572 3052328272 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z DAVID A PRETER 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 413382426 0 X WWW.GEROGIASOWN.ORG X 1943 GA BANKING ON PURPOSE. 11 9 853 0 712850 0 0 0 144289237 197093047 3211113 12720094 0 0 147500350 209813141 263530 285670 0 0 58208658 86328752 0 0 0 64394539 83205437 122866727 169819859 24633623 39993282 3419402865 4739869220 3109997935 4408333514 309404930 331535706 X BANKING ON PURPOSE. 1 0 PROVIDED THRIFT SAVINGS/BORROWINGS TO 243,387 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 43382 0 1 853 1 1 1 0 0 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 27414 0 0 DAVID DICKEY DIRECTOR- VICE CHAIRPERSON 1.00 X 27509 0 0 JOAN K SIMS DIRECTOR- SECRETARY 1.00 X 27585 0 0 PATRICK H CASEY DIRECTOR- TREASURER 1.00 X 27673 0 0 DAVID A PRETER DIRECTOR/CEO 40.00 X X 2062826 0 162053 MICHAEL W BAUMGARTNER DIRECTOR 1.00 X 27509 0 0 WILLIAM E CONINE DIRECTOR 1.00 X 27673 0 0 JAMES L FOWLER DIRECTOR 1.00 X 27673 0 0 GARY M LUDGOOD DIRECTOR 1.00 X 27509 0 0 THOMAS H POLLOCK DIRECTOR 1.00 X 27490 0 0 ERVIN M WALKER DIRECTOR 1.00 X 27414 0 0 GEORGE REYNOLDS DIRECTOR 1.00 X 26243 0 0 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 40.00 X 422412 0 57863 CINDY BOYLES CHIEF ADMINISTRATIVE & TALENT OFFICER 40.00 X 434350 0 141742 ERIC BROOME CHIEF OPERATIONS OFFICER 40.00 X 479184 0 112391 JOHN CAREW CHIEF STRATEGY OFFICER 40.00 X 778433 0 98443 KELLY GARMON CHIEF RETAIL OFFICER 40.00 X 512297 0 153730 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT 40.00 X 1426801 0 74402 DREW PUTT CHIEF BUSINESS OFFICER 40.00 X 543735 0 203020 MATTHEW HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL 40.00 X 350011 0 49890 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER 40.00 X 322904 0 58420 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWEST REGION 40.00 X 762052 0 40966 AARON CRAIG VP, MORTGAGE & INDIRECT SALES 40.00 X 324336 0 67390 TERESA MARTIN SVP ACCOUNTING 40.00 X 285469 0 60425 MICHAEL STONE SVP COMMERCIAL LENDING 40.00 X 289080 0 47630 RODNEY COWAN SVP HR & TALENT DEVELOPMENT 40.00 X 281742 0 41800 GREG L GIBSON FORMER CHIEF FINANCIAL OFFICER 40.00 X 242514 0 44854 9819838 0 1415019 110 1 1 0 AMPLIFI LOYALTY SOLUTIONS LLC 1620 BOND ST NAPERVILLE IL 60563 CREDIT CARD REWARDS SERVICES 2886046 100 PEACHTREE PROPERTY LLC P O BOX 6721 CAROL STREAM IL 601976721 CORPORATE OFFICE RENT 2707748 FISERV SOLUTIONS INC P O BOX 933193 ATLANTA GA 311933193 FINANCIAL TECHNOLOGY SERVICES 2670465 ALKAMI TECHNOLOGY INC 5601 GRANITE PKWY SUITE 120 PLANO TX 75024 DIGITAL BANKING SOLUTIONS 1741587 SHI INTERNATIONAL CORP PO BOX 952121 DALLAS TX 75395 TECHNOLOGY VENDOR 1659004 88 INTEREST ON LOANS 522100 133009007 133009007 OTHER INCOME 522100 42306202 42306202 FEE INCOME 522100 21064988 21064988 FINANCE & INSURANCE 520000 652850 652850 PROFESSIONAL SCIENTIFIC AND TECHN 540000 60000 60000 197093047 12050481 12050481 204238898 203569285 669613 669613 669613 209813141 197049810 712850 12050481 X 285670 7307229 45514551 21465705 8104933 3936334 298409 189843 3883765 19393456 6669063 821154 20776771 4913194 LOAN SERVICING EXPENSE 13703620 MISCELLANEOUS OPERATING 7278247 PROFESSIONAL AND OUTSID 5261241 DEPT OF BANKING & FINAN 266674 -250000 169819859 33936141 37622730 702997150 282026602 37868584 40807013 24750710 32627310 2042388451 3527098021 5296252 9543619 105823396 37541801 45767319 68281595 398010765 462797243 28398916 47998862 6173366 84048135 93815211 147018090 3419402865 4739869220 40461853 82518972 1289000 650829000 50000000 50000000 3018247082 3624985542 3109997935 4408333514 X 0 0 0 0 309404930 331535706 309404930 331535706 3419402865 4739869220 X 39993282 -54275139 36412633 X X 0 1 X 1 0 17576385 17576385 33309044 5128320 28180724 8782337 4181467 4600870 45818184 28075213 17742971 337446 156801 180645 68281595 REGULAR SHARE ACCOUNTS 1327471284 SHARE DRAFT ACCOUNTS 1069615679 MONEY MARKET ACCOUNTS 589118322 INDIVIDUAL RETIREMENT ACCOUNTS 27721584 SHARE AND IRA CERTIFICATES 591039673 NON-MEMBER CERTIFICATES 20019000 3624985542 X 209813141 0 209813141 0 209813141 169819859 0 169819859 0 169819859 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 GEORGIA STATE UNIVERSITY FOUNDATION INC 1 PARK PLACE SUITE 533 ATLANTA GA 30303 586033185 501(C)(3) 100000 0 CHARITABLE CONTRIBUTION GEORGIA'S OWN FOUNDATION INC 100 PEACHTREE ST NW SUITE 2800 ATLANTA GA 30303 474818845 501(C)(3) 60000 12520 FMV AUCTION ITEM CHARITABLE CONTRIBUTION THE BRIAN JORDAN FOUNDATION 320 CHASON WOOD WAY ROSWELL GA 30076 522091069 501(C)(3) 35000 440 FMV GOLF TOURNAMENT PLAYER GIFT BAG DONATION CHARITABLE CONTRIBUTION LAKEVIEW ACADEMY 796 LAKEVIEW DR GAINESVILLE FL 30501 581077096 501(C)(3) 20570 0 CHARITABLE CONTRIBUTION CLAYTON STATE UNIVERSITY FOUNDATION 2000 CLAYTON STATE BLVD MORROW GA 30260 237419285 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION KING'S RIDGE CHRISTIAN SCHOOL ATTN JAIME DEARTH ONE ASSOC 2765 BETHANY BEND RD ALPHARETTA GA 30004 582600863 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION CHRIS TUCKER FOUNDATION INC 1740 HUDSON BRIDGE RD STE 1194 STOCKBRIDGE GA 30281 562431980 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION PARK PRIDE INC 233 PEACHTREE ST NE STE 1600 ATLANTA GA 30009 581883895 501(C)(3) 7500 0 CHARITABLE CONTRIBUTION TECH ALPHARETTA 2972 WEBB BRIDGE RD ALPHARETTA GA 30009 471769869 501(C)(3) 6000 0 CHARITABLE CONTRIBUTION LGE FOUNDATION INC 3100 CUMBERLAND BLVD STE 17 ATLANTA GA 30339 272905697 501(C)(3) 5160 0 CHARITABLE CONTRIBUTION 10 0 PART I, LINE 2: THESE ARE CHARITABLE CONTRIBUTIONS, NOT GRANTS. THERE IS NO SUBSEQUENT MONITORING BY THE CREDIT UNION. X X X 0 1 X X X X X 0 1 0 DAVID A PRETER DIRECTOR/CEO 734495 0 294818 0 1033513 0 124837 0 37216 0 2224879 0 1048771 0 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT 399501 0 131800 0 895500 0 44885 0 29517 0 1501203 0 0 0 JOHN CAREW CHIEF STRATEGY OFFICER 342097 0 122512 0 313824 0 53695 0 44748 0 876876 0 323480 0 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWEST REGION 261313 0 57521 0 443218 0 35476 0 5490 0 803018 0 0 0 DREW PUTT CHIEF BUSINESS OFFICER 289606 0 95076 0 159053 0 178061 0 24959 0 746755 0 13261 0 KELLY GARMON CHIEF RETAIL OFFICER 363627 0 127293 0 21377 0 111203 0 42527 0 666027 0 19439 0 ERIC BROOME CHIEF OPERATIONS OFFICER 353851 0 112832 0 12501 0 78766 0 33625 0 591575 0 16914 0 CINDY BOYLES CHIEF ADMINISTRATIVE & TALENT OFFICE 301538 0 124074 0 8738 0 92893 0 48849 0 576092 0 17505 0 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 328918 0 84738 0 8756 0 38436 0 19427 0 480275 0 0 0 MATTHEW HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL 286233 0 56690 0 7088 0 32707 0 17183 0 399901 0 0 0 AARON CRAIG VP, MORTGAGE & INDIRECT SALES 59427 0 263404 0 1505 0 40811 0 26579 0 391726 0 0 0 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER 263017 0 53583 0 6304 0 26292 0 32128 0 381324 0 0 0 TERESA MARTIN SVP ACCOUNTING 228979 0 50536 0 5954 0 29242 0 31183 0 345894 0 0 0 MICHAEL STONE SVP COMMERCIAL LENDING 237692 0 45770 0 5618 0 29016 0 18614 0 336710 0 0 0 RODNEY COWAN SVP HR & TALENT DEVELOPMENT 229073 0 45731 0 6938 0 21962 0 19838 0 323542 0 0 0 GREG L GIBSON FORMER CHIEF FINANCIAL OFFICER 128896 0 104642 0 8976 0 32518 0 12336 0 287368 0 15311 0 PART I, LINE 1B THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING FIRST-CLASS TRAVEL. THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING HEALTH/SOCIAL CLUB DUES PAID. HOWEVER, SUCH 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 AND SPLIT DOLLAR PLANS AS CONTRACTUALLY REQUIRED BY THOSE PLANS. PART I, LINE 4B THE FOLLOWING INDIVIDUALS PARTICIPATED IN 457F PLAN IN 2022: CINDY BOYLES: $54,934 (2022 ACCRUAL) ERIC BROOME: $45,010 (2022 ACCRUAL) KELLY GARMON: $72,792 (2022 ACCRUAL) DREW PUTT: $291,798 (2022 ACCRUAL) JOHN CAREW: $302,382 (2022 PAYOUT) BARRY HEAPE: $829,640 (2022 PAYOUT) DAVID PRETER: $1,000,000 (2022 PAYOUT) ROBERT YOUNGBLOOD: $402,815 (2022 PAYOUT) THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO DAVID PRETER, KELLY GARMON, GREG GIBSON, TERESA MARTIN, MATT HAVICE, CHRISTIN HEWITT, KEVAN WILLIAMSON, CINDY BOYLES, JOHN CAREW, ERIC BROOME, BARRY HEAPE, ROBERT YOUNGBLOOD, RODNEY COWAN, 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 7647368 0 1 1 WILLIAM LUSK FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 1461154 1838770 0 1 1 KELLY GARMON CHIEF RETAIL OFFICER SPLIT DOLLAR LIFE INSURANCE X 2194815 2704371 0 1 1 GREG GIBSON FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 2900000 2869146 0 1 1 TERESA MARTIN SVP ACCOUNTING SPLIT DOLLAR LIFE INSURANCE X 950000 934796 0 1 1 MATT HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL SPLIT DOLLAR LIFE INSURANCE X 450000 440833 0 1 1 CHRISTIAN HEWITT CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 1500000 1482400 0 1 1 LAURA KING FORMER SVP SPLIT DOLLAR LIFE INSURANCE X 900000 867500 0 1 1 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 450000 442032 0 1 1 CINDY BOYLES CHIEF ADMINISTRATIVE & TALENT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1150000 1159470 0 1 1 JOHN CAREW CHIEF STRATEGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 2550000 2392673 0 1 1 ERIC BROOME CHIEF OPERATIONS OFFICER SPLIT DOLLAR LIFE INSURANCE X 1000000 1005483 0 1 1 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT SPLIT DOLLAR LIFE INSURANCE X 1435696 1435696 0 1 1 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWEST REGION SPLIT DOLLAR LIFE INSURANCE X 821772 821772 0 1 1 RODNEY COWAN SVP HR & TALENT DEVELOPMENT SPLIT DOLLAR LIFE INSURANCE X 2475000 2475000 0 1 1 RICHARD ELLIS SVP MARKET DEVELOPMENT & EXPANSION SPLIT DOLLAR LIFE INSURANCE X 2200000 2200000 0 1 1 MICHAEL STONE SVP COMMERCIAL LENDING SPLIT DOLLAR LIFE INSURANCE X 1250000 1250000 0 1 1 PATRICK CONN FORMER CEO (MERGED CU) SPLIT DOLLAR LIFE INSURANCE X 750000 660000 0 1 1 32627310 DAVID DICKEY DIRECTOR 325000 ADVERTISING SERVICES 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 III, LINE 2 IN CONNECTION TO OUR 2022 PURCHASE AND ASSUMPTION OF SELECT VININGS BANK ASSETS AND LIABILITIES, THE FOLLOWING COMMERCIAL SERVICES WERE ADDED: INTRAFI SWEEPS, ACH DEBIT ORIGINATION, POSITIVE PAY, IOLTA ACCOUNTS. FORM 990, PART VI, SECTION A, LINE 4 THE FIELD OF MEMBERSHIP WAS UPDATED IN THE BYLAWS AS A RESULT OF THE MERGER WITH UNITED 1ST CREDIT UNION DURING 2022. 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. 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 PROVISION FOR LOAN LOSS -250,000. FORM 990, PART XI, LINE 9: NET CHANGE IN DEFINED BENEFIT PENSION PLAN 11,412,633. EQUITY ACQUIRED IN BUSINESS COMBINATIONS 25,000,000. FORM 990, PART XII, LINE 2C: THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. CUSO HOLDING COMPANY LLC 100 PEACHTREE STREET NW ATLANTA GA 30303 883221966 HOLDING COMPANY GA 6904963 21968460 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 72520 FMV GEORGIA'S OWN FOUNDATION L 142626 FMV GEORGIA'S OWN FOUNDATION O 142626 FMV GEORGIA'S OWN FOUNDATION Q 142626 FMV