2018-10-31T19:36:17-05:00 2017-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2017-01-01 941242831 TRAVIS CREDIT UNION TRAV 7074691671 PO BOX 2069 VACAVILLE CA 95696 BARRY NELSON CEO 7074691671 2018-10-26 1 VALENTINO CREUS CPA P01054153 8189549700 24.176.202.186 2018-10-26 13:25:48 PD P AF4F97BFF341B67202FA09B643B1D08BFF97A8E1 EAB9806DEF4238CAE74313C6CC2BD34B53E62B85 2017 2018-06-14 16:35:46Z BARRY NELSON PO BOX 2069 VACAVILLE CA 95696 142659859 0 X WWW.TRAVISCU.ORG X CREDIT UNION 1951 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 778 12 344507 -514022 0 0 113771922 131629021 14151949 9783588 1189059 1062231 129112930 142474840 39800 59800 0 0 46559641 50496191 0 0 0 61702215 74001976 108301656 124557967 20811274 17916873 2692135769 2970767168 2377185941 2638366552 314949828 332400616 X A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, TRAVIS CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 TRAVIS CREDIT UNION PROVIDES A VARIETY OF LOANS INCLUDING AUTO, MORTGAGES, CREDIT CARD, SMALL BUSINESS AND UNSECURED AT COMPETITIVE RATES FOR OUR MEMBERSHIP, THEREBY, ASSISTING THEM MANAGE THEIR FINANCIAL HEALTH AND GROWTH IN THE FUTURE. TRAVIS CREDIT UNION PROVIDES A VARIETY OF SAVINGS ACCOUNTS INCLUDING SAVINGS, DEMAND, MONEY MARKET, CERTIFICATES AND INVESTMENTS AT COMPETITIVE RATES FOR OUR MEMBERSHIP, THEREBY, ASSISTING THEM MANAGE THEIR FINANCIAL HEALTH AND GROWTH IN THE FUTURE. TRAVIS CREDIT UNION PROVIDES FINANCIAL SERVICES TO OUR MEMBERSHIP WHICH ARE SMALL BUSINESS OWNERS DEVELOPING THEIR OWN BUSINESSES IN THE COMMUNITY. THESE MEMBERS PROVIDE VALUED SERVICES AND EMPLOYMENT TO OUR COMMUNITY MEMBERS THEREBY PROVIDING FUTURE GROWTH AND A STRONGER QUALITY OF LIFE. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 104555 0 1 778 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X MARTIN FLEISCHER CPACONTROLLER 7074691671 PO BOX 2069 VACAVILLE CA 95696 PATRICIA MORENO BOARD CHAIRPERSON 1.00 X 3612 0 0 DEBORAH ASPLING BOARD VICE CHAIRPERSON 1.00 X 2690 0 0 MARY COBURN SECRETARY 1.00 X 0 0 0 THOMAS KULINSKI TREASURER 1.00 X 1626 0 0 DEE ALARCON BOARD MEMBER 1.00 X 3212 0 0 LEONARD AUGUSTINE BOARD MEMBER 1.00 X 0 0 0 CURT NEWLAND BOARD MEMBER 1.00 X 2623 0 0 OSCAR DOMINGUEZ BOARD MEMBER 1.00 X 0 0 0 DOUGLAS BEAUMONT BOARD MEMBER 1.00 X 0 0 0 STUART MCINTOSH BOARD MEMBER (EMERITUS) 1.00 X 0 0 0 JAMES PORTER BOARD MEMBER (EMERITUS) 1.00 X 749 0 0 ARTURO REYES SUPV CMTE CHAIRPERSON 1.00 X 0 0 0 TIMOTHY TRUESDALE SUPV CMTE MEMBER 1.00 X 2877 0 0 JOHANNA BENKER SUPV CMTE MEMBER 1.00 X 2184 0 0 BARRY NELSON PRESIDENT/CEO 40.00 X 1340859 0 1196706 IVAN JONES SVP/CFO 40.00 X 382725 0 324202 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES 40.00 X 438301 0 401181 STACY FIFIELD SVP/CHIEF LENDING OFFICER 40.00 X 400045 0 393834 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 40.00 X 376584 0 614891 MISUN THOMPSON SVP, MEMBER SERVICES & COO 40.00 X 244928 0 448522 CRAIG BEAUDRY SVP, CHIEF INFORMATION OFFICER 40.00 X 241985 0 72577 ARIC N KOSHIYAMA FINANCIAL CONSULTANT 40.00 X 306978 0 19973 GLORIA NUNEZ VP RETAIL DELIVERY 40.00 X 222509 0 44722 TERESA SHAFER VP HUMAN RESOURCES & TRAIN 40.00 X 205262 0 36154 JOHN N CALADIM VP FINANCE 40.00 X 203678 0 37097 JULIE A RUMPH VP CONSUMER LENDING 40.00 X 185820 0 19454 JOHN SHELBY VP BUSINESS BANKING 40.00 X 181329 0 17680 MARK VINELLA VP COMPLIANCE & RISK MANAGEMENT 40.00 X 172811 0 56214 KARL GOIN VP MARKETING 40.00 X 164925 0 21160 SHERRY CORDONNIER AVP CORPORATE RELATIONS 40.00 X 162264 0 28034 CRAIG CRISMON AVP E-COMMERCE 40.00 X 159779 0 52514 MICHAEL WHITE FINANCIAL CONSULTANT 40.00 X 153597 0 42411 LORI HILL AVP HUMAN RESOURCES 40.00 X 150195 0 17939 THOMAS CORIO AVP INTERNAL AUDIT 40.00 X 150112 0 33126 DELANNIA CALDWELL AVP ORGANIZATION LEARNING 40.00 X 149796 0 24623 MICHAEL SABADO AVP APPLICATION SYSTEMS 40.00 X 147838 0 8582 MARTIN FLEISCHER AVP CONTROLLER 40.00 X 144903 0 24929 CYNTHIA MCGUIRE AVP CONSUMER LENDING 40.00 X 144367 0 31313 THOMAS POWERS VP WEALTH MANAGEMENT AND INSURANCE SERVICES 40.00 X 141604 0 43126 6592767 0 4010964 57 0 1 0 FISERV INC 525 ALMANOR AVE SUNNYVALE CA 94085 ONLINE BANKING SERVICES 2383267 SMART SOURCE LLC 26001 PALA MISSION VIEJO CA 92691 MEMBER STATEMENT PREP 1645008 CDW DIRECT 6281 BEACH BLVD 307 BUENA PARK CA 90621 COMPUTER SERVICES 1600348 SIERRA VIEW GENERAL CONTRACTOR 4202 DOUGLAS BLVD SUITE 100 GRANITE BAY CA 95746 CONSTRUCTION SERVICES 1519057 DIEBOLD 1455 MARKET ST SAN FRANCISCO CA 94103 SECURITY SERVICES 1395063 43 INTEREST ON LOANS 522100 96724785 96724785 OTHER OPERATING INCOME 522100 24764321 24729737 34584 FEE INCOME 522100 10139915 9778731 361184 131629021 9928607 9928607 40000 185019 -145019 -145019 -145019 OTHER NON-OPERATING IN 522100 1062231 1113492 -51261 1062231 142474840 142130333 344507 0 59800 6592767 33598827 1222739 5957743 3124115 224626 106952 1189944 2608423 13726572 3766440 3792556 973590 10311944 3324976 284654 PROV. FOR LOAN LOSSES 25667692 LOAN SERVICING EXPENSE 6558198 MISC OPERATING EXPENSES 1220498 OPERATING FEES 244911 124557967 23996332 26972604 124370573 136220427 5258532 4792395 2072346 3304455 72701708 35028450 35566806 37673258 538971235 442699630 1925836367 2282828242 36063578 36276157 2692135769 2970767168 25031399 29120596 2352154542 2609245956 2377185941 2638366552 X 0 0 0 0 314949828 332400616 314949828 332400616 2692135769 2970767168 17916873 -466085 0 X X 0 1 X 1 0 4000 4000 4000 1 CCUL-PAC 1201 K STREET SUITE 1050 SACRAMENTO CA 95814 940357265 4000 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 6352246 6352246 36900239 14113836 22786403 6900914 5619483 1281431 22548309 15295131 7253178 37673258 ALL OTHER INVESTMENTS 10914000 F LOANS HELD FOR SALE 719000 F LOANS & LEASES 2249084193 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 22111049 C 2282828242 MEMBER SHARES & DEPOSITS 2609245956 2609245956 X 142474840 0 142474840 0 142474840 124557967 0 124557967 0 124557967 PART X, LINE 2: THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2017 AND 2016. 1 CHILDREN'S MIRACLE NETWORK HOSPITALS 2855 EAST GUASTI RD STE 600 ONTARIO CA 91761 870387205 501(C)(3) 20000 FMV RAISE FUNDS FOR CHILDREN'S HOSPITALS, MEDICAL RESEARCH, AND COMMUNITY AWARENESS OF CHILDREN'S HEALTH ISSUES TRAVIS FISHER HOUSE 101 BODIN CIRCLE TRAVIS AIR FORCE BASE CA 94535 680038761 501(C)(3) 10000 FMV PROVIDE HOUSING FOR FAMILIES OF LONG TERM PATIENTS TOURO UNIVERSITY 1310 CLUB DRIVE VALLEJO CA 94592 133838740 501(C)(3) 15000 FMV SCHOLARSHIPS FOR STUDENTS OF TOURO UNIVERSITY 3 0 X 1 1 X X X X 0 1 0 BARRY NELSON PRESIDENT/CEO 587564 0 142446 0 610849 0 1171065 0 25641 0 2537565 0 591880 0 IVAN JONES SVP/CFO 314810 0 42875 0 25040 0 320841 0 3361 0 706927 0 0 0 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES 241157 0 37555 0 159589 0 372641 0 28540 0 839482 0 150000 0 STACY FIFIELD SVP/CHIEF LENDING OFFICER 229492 0 36772 0 133781 0 380916 0 12918 0 793879 0 125000 0 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 308824 0 59205 0 8555 0 572805 0 42086 0 991475 0 0 0 MISUN THOMPSON SVP, MEMBER SERVICES & COO 204473 0 32785 0 7670 0 425282 0 23240 0 693450 0 0 0 CRAIG BEAUDRY SVP, CHIEF INFORMATION OFFICER 194079 0 24756 0 23150 0 49344 0 23233 0 314562 0 0 0 ARIC N KOSHIYAMA FINANCIAL CONSULTANT 35240 0 271058 0 680 0 11267 0 8706 0 326951 0 0 0 GLORIA NUNEZ VP RETAIL DELIVERY 182117 0 26932 0 13460 0 19386 0 25336 0 267231 0 0 0 TERESA SHAFER VP HUMAN RESOURCES & TRAIN 172440 0 24787 0 8035 0 18283 0 17871 0 241416 0 0 0 JOHN N CALADIM VP FINANCE 171401 0 25525 0 6752 0 9703 0 27394 0 240775 0 0 0 JULIE A RUMPH VP CONSUMER LENDING 160713 0 13465 0 11642 0 9000 0 10454 0 205274 0 0 0 JOHN SHELBY VP BUSINESS BANKING 162838 0 9869 0 8622 0 17185 0 495 0 199009 0 0 0 MARK VINELLA VP COMPLIANCE & RISK MANAGEMENT 151796 0 13488 0 7527 0 17220 0 38994 0 229025 0 0 0 KARL GOIN VP MARKETING 137195 0 20160 0 7570 0 7924 0 13236 0 186085 0 0 0 SHERRY CORDONNIER AVP CORPORATE RELATIONS 145250 0 13984 0 3030 0 14865 0 13169 0 190298 0 0 0 CRAIG CRISMON AVP E-COMMERCE 144174 0 14657 0 948 0 16862 0 35652 0 212293 0 0 0 MICHAEL WHITE FINANCIAL CONSULTANT 25752 0 127413 0 432 0 7969 0 34442 0 196008 0 0 0 LORI HILL AVP HUMAN RESOURCES 136016 0 13063 0 1116 0 16027 0 1912 0 168134 0 0 0 THOMAS CORIO AVP INTERNAL AUDIT 134421 0 13314 0 2377 0 16164 0 16962 0 183238 0 0 0 DELANNIA CALDWELL AVP ORGANIZATION LEARNING 137528 0 11473 0 795 0 16045 0 8578 0 174419 0 0 0 MICHAEL SABADO AVP APPLICATION SYSTEMS 139280 0 8223 0 335 0 0 0 8582 0 156420 0 0 0 MARTIN FLEISCHER AVP CONTROLLER 126286 0 12212 0 6405 0 15794 0 9135 0 169832 0 0 0 CYNTHIA MCGUIRE AVP CONSUMER LENDING 125785 0 12622 0 5960 0 15959 0 15354 0 175680 0 0 0 THOMAS POWERS VP WEALTH MANAGEMENT AND INSURANCE S 136259 0 0 0 5345 0 15366 0 27760 0 184730 0 0 0 PART I, LINE 4B 457(B): NON-QUALIFIED DEFERRED COMPENSATION PLAN. ELIGIBILITY IS LIMITED TO EMPLOYEES IN A POSITION OF ASSISTANT VICE PRESIDENT OR ABOVE, OR THOSE EMPLOYEES INDIVIDUALLY SELECTED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. THOSE ELIGIBLE ARE ABLE TO PARTICIPATE EFFECTIVE THEIR DATE OF HIRE INTO A POSITION OF VICE PRESIDENT OR ABOVE, OR THE EFFECTIVE DATE OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS' APPOINTED ELIGIBILITY TO THE PLAN. THE PLAN MATCHES THE PARTICIPANT'S CONTRIBUTIONS DOLLAR FOR DOLLAR UP TO A CALENDAR YEAR MAXIMUM. THE CALENDAR YEAR MAXIMUM, THAT A PARTICIPANT CAN CONTRIBUTE, IS 50% OF THE ALLOWABLE AMOUNT UNDER CODE SECTION 457(E) (15), SO FOR 2017 THE MAXIMUM PARTICIPANT CONTRIBUTION IS $9,000. THE PLAN DOES NOT HAVE A VESTING SCHEDULE, SO CONTRIBUTIONS ARE 100% VESTED. PARTICIPANTS MAY NOT RECEIVE A DISTRIBUTION PRIOR TO SEVERANCE OF EMPLOYMENT WITH TCU. 457(F): NON-QUALIFIED SERP DESIGNED TO PROVIDE A SPECIFIC DOLLAR AMOUNT BY THE TIME A PARTICIPANT IS TENURED. THE TOTAL BENEFIT AMOUNT IS ACCRUED OVER THE LENGTH OF EMPLOYMENT OF THE PARTICIPANT. THE AMOUNT IS "CLIFF VESTED" OVER 3 PERIODS, WITH THE FINAL AND LARGEST VESTING AT RETIREMENT. FUNDS ARE DISTRIBUTED ON EACH VESTING DATE IN THE AMOUNT SPECIFIED IN THE VESTING SCHEDULE. FORFEITURE EVENTS ARE: INVOLUNTARY SEPARATION WITH CAUSE AND; VOLUNTARY SEPARATION WITHOUT GOOD REASON. PAYMENT OF BENEFITS DEPENDS ON THE EVENT THAT TRIGGERS A PAYMENT. THESE EVENTS AND PAYMENTS ARE: FULL PAYMENT OF AMOUNT ACCRUED AS OF EACH CLIFF VESTING DATE; AMOUNT ACCRUED-TO-DATE WILL BE PAID UPON: DEATH PRIOR TO RETIREMENT; VOLUNTARY SEPARATION FOR GOOD REASON; INVOLUNTARY SEPARATION WITHOUT CAUSE; SEPARATION DUE TO DISABILITY. PARTICIPANTS IN THE PLAN ARE: BARRY NELSON, IVAN JONES, NAVNEET KHANNA, STACY FIFIELD, MISUN THOMPSON AND ARTHUR SCHWARTZ. OSCAR DOMINGUEZ DIRECTOR CREDIT CARD X 20000 13910 0 1 1 MISUN THOMPSON OFFICER HELOC X 50000 19431 0 1 1 CRAIG BEAUDRY OFFICER AUTOMOBILE X 45038 40188 0 1 1 BARRY NELSON OFFICER FIRST MORTGAGE X 648800 425799 0 1 1 NAVNEET KHANNA OFFICER FIRST MORTGAGE X 244000 217829 0 1 1 ARTHUR SCHWARZ KEY EMPLOYEE FIRST MORTGAGE X 417000 374717 0 1 1 GLORIA NUNEZ KEY EMPLOYEE FIRST MORTGAGE X 280000 259272 0 1 1 GLORIA NUNEZ KEY EMPLOYEE CREDIT CARD X 14400 263 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE CREDIT CARD X 25000 3380 0 1 1 IVAN JONES OFFICER CREDIT CARD X 2000 1935 0 1 1 DEE ALARCON DIRECTOR CREDIT CARD X 20000 19100 0 1 1 JOHANNA BENKER DIRECTOR FIRST MORTGAGE X 255700 151734 0 1 1 GLORIA NUNEZ KEY EMPLOYEE SHARE SECURED X 20000 3082 0 1 1 STACY FIFIELD OFFICER CREDIT CARD X 25000 23643 0 1 1 MISUN THOMPSON OFFICER FIRST MORTGAGE X 295100 266411 0 1 1 MISUN THOMPSON OFFICER AUTOMOBILE X 27161 5452 0 1 1 THOMAS KULINSKI DIRECTOR FIRST MORTGAGE X 93400 81361 0 1 1 THOMAS KULINSKI DIRECTOR CREDIT CARD X 12000 3656 0 1 1 MARY COBURN DIRECTOR CREDIT CARD X 10000 898 0 1 1 DEE ALARCON DIRECTOR FIRST MORTGAGE X 154700 99217 0 1 1 ARTURO REYES DIRECTOR CREDIT CARD X 12000 11530 0 1 1 PAT MORENO DIRECTOR CREDIT CARD X 10000 30 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 44105 26627 0 1 1 IVAN JONES OFFICER FIRST MORTGAGE X 560000 523135 0 1 1 DOUGLAS BEAUMONT DIRECTOR FIRST MORTGAGE X 150000 129276 0 1 1 MISUN THOMPSON OFFICER AUTO LOAN X 40000 28056 0 1 1 GLORIA NUNEZ KEY EMPLOYEE HELOC X 50000 22124 0 1 1 PAT MORENO DIRECTOR AUTO LOAN X 47692 37111 0 1 1 CURTIS NEWLAND DIRECTOR FIRST MORTGAGE X 262000 230778 0 1 1 CURTIS NEWLAND DIRECTOR CREDIT CARD X 25000 15921 0 1 1 IVAN JONES OFFICER AUTOMOBILE X 23204 17636 0 1 1 TERESA SHAFER KEY EMPLOYEE FIRST MORTGAGE X 390000 375252 0 1 1 TERESA SHAFER KEY EMPLOYEE AUTOMOBILE X 36183 30052 0 1 1 KARL GOIN KEY EMPLOYEE FIRST MORTGAGE X 325000 293331 0 1 1 JOHN CALADIM KEY EMPLOYEE FIRST MORTGAGE X 553800 540557 0 1 1 JOHN SHELBY KEY EMPLOYEE FIRST MORTGAGE X 183500 169606 0 1 1 MARK VINELLA KEY EMPLOYEE FIRST MORTGAGE X 355600 330095 0 1 1 4792395 FORM 990, PART VI, SECTION A, LINE 6 TRAVIS CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. TRAVIS CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF TRAVIS CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. FORM 990, PART VI, SECTION B, LINE 12C ON A MONTHLY BASIS, MEMBERS OF THE BOARD ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTEREST OR CONCERNS AND RECUSE THEMSELVES WHEN NECESSARY. FORM 990, PART VI, SECTION B, LINE 15 TRAVIS CREDIT UNION PARTICIPATES IN FOUR TO FIVE NATIONAL AND INDUSTRY SPECIFIC SURVEYS TO BENCHMARK BASE SALARY, BONUS AND RETIREMENT BENEFITS FOR ALL KEY EMPLOYEES, SALARIED EMPLOYEES, TO INCLUDE THE CEO, EVP, AND ALL VPS. THESE SURVEYS ARE CONDUCTED AT LEAST ANNUALLY. THE GOVERNING BOARD APPROVES THE CEO'S COMPENSATION PACKAGE AFTER IT HAS BEEN THOROUGHLY REVIEWED AND RECOMMENDED BY THE COMPENSATION COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE CONFLICT OF INTEREST POLICY IS INCLUDED IN OUR CORPORATE BYLAWS, OUR GOVERNING DOCUMENTS, WHICH ARE AVAILABLE UPON REQUEST. OUR MONTHLY FINANCIAL STATEMENTS ARE DISPLAYED AT ALL OF OUR BRANCH LOCATIONS AS WELL AS CORPORATE HEADQUARTERS. OUR YEAR END AUDITED FINANCIAL STATEMENTS ARE PRESENTED IN OUR ANNUAL MEETING AND WE FILE OUR CALL REPORTS ON A QUARTERLY BASIS WITH THE NCUA AND DBO. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.