CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization
CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 84-0409862)
Tax period
2013-01-01 to 2013-12-31
Filed
2014-05-13
IRS object ID
201441339349305009
Schema version
2013v3.1
Source
Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header ReturnHeader

FieldValueIRS element (for citing)
Return2014-05-13T15:21:00-07:00ReturnTs
Tax Period End2013-12-31TaxPeriodEndDt
Return Type990ReturnTypeCd
Tax Period Begin2013-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN840409862EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1PIKES PEAK CREDIT UNIONBusinessNameLine1
FieldValueIRS element (for citing)
Business Name ControlPIKEBusinessNameControlTxt

US Address USAddress

FieldValueIRS element (for citing)
Address Line11616 N CIRCLE DRAddressLine1
CityCOLORADO SPRINGSCity
StateCOState
ZIP Code80909ZIPCode

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonPAUL STEINKEPersonNm
Person TitlePRESIDENTPersonTitleTxt
Phone7194735962PhoneNum
Signature2014-05-13SignatureDt
FieldValueIRS element (for citing)
Tax2013TaxYr
Build TS2015-11-30 17:44:51ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Amended ReturnYes (X)AmendedReturnInd
Principal OfficerPAUL STEINKEPrincipalOfficerNm
Gross Receipts$2,971,051GrossReceiptsAmt
Group Return For AffiliatesfalseGroupReturnForAffiliatesInd
All Affiliates IncludedYes (true)AllAffiliatesIncludedInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.PIKESPEAKCU.COMWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1932FormationYr
Legal Domicile StateCOLegalDomicileStateCd
Activity Or MissionSTATE CHARTERED CREDIT UNIONActivityOrMissionDesc
Voting Members Governing Body6VotingMembersGoverningBodyCnt
Voting Members Independent6VotingMembersIndependentCnt
Total Employee24TotalEmployeeCnt
Total Volunteers9TotalVolunteersCnt
Total Gross UBI$0TotalGrossUBIAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$3,092,711PYProgramServiceRevenueAmt
CY Program Service Revenue$2,867,247CYProgramServiceRevenueAmt
PY Investment Income$74,334PYInvestmentIncomeAmt
CY Investment Income$103,804CYInvestmentIncomeAmt
CY Other Revenue$0CYOtherRevenueAmt
PY Total Revenue$3,167,045PYTotalRevenueAmt
CY Total Revenue$2,971,051CYTotalRevenueAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$1,053,670PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$1,078,425CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$1,623,965PYOtherExpensesAmt
CY Other Expenses$1,582,566CYOtherExpensesAmt
PY Total Expenses$2,677,635PYTotalExpensesAmt
CY Total Expenses$2,660,991CYTotalExpensesAmt
PY Revenues Less Expenses$489,410PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$310,060CYRevenuesLessExpensesAmt
Total Assets BOY$71,036,275TotalAssetsBOYAmt
Total Assets EOY$74,571,938TotalAssetsEOYAmt
Total Liabilities BOY$64,797,467TotalLiabilitiesBOYAmt
Total Liabilities EOY$68,023,070TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$6,238,808NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$6,548,868NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part IIIYes (X)InfoInScheduleOPartIIIInd
MissionSTATE CHARTERED CREDIT UNIONMissionDesc
Significant New Program SrvcfalseSignificantNewProgramSrvcInd
Significant ChangefalseSignificantChangeInd
DescNADesc
Described In Section501c3falseDescribedInSection501c3Ind
Schedule B RequiredfalseScheduleBRequiredInd
Political Campaign ActyfalsePoliticalCampaignActyInd
Lobbying ActivitiesfalseLobbyingActivitiesInd
Subject To Proxy TaxfalseSubjectToProxyTaxInd
Donor Advised FundfalseDonorAdvisedFundInd
Conservation EasementsfalseConservationEasementsInd
Collections Of ArtfalseCollectionsOfArtInd
Credit CounselingfalseCreditCounselingInd
Temp Or Permanent EndowmentsfalseTempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (true)ReportLandBuildingEquipmentInd
Report Investments Other SecfalseReportInvestmentsOtherSecInd
Report Program Related InvstfalseReportProgramRelatedInvstInd
Report Other AssetsfalseReportOtherAssetsInd
Report Other LiabilitiesYes (true)ReportOtherLiabilitiesInd
Include FIN48 FootnotefalseIncludeFIN48FootnoteInd
Independent Audit Fincl StmtfalseIndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtfalseConsolidatedAuditFinclStmtInd
School OperatingfalseSchoolOperatingInd
Foreign OfficefalseForeignOfficeInd
Foreign ActivitiesfalseForeignActivitiesInd
More Than5000 K To OrgfalseMoreThan5000KToOrgInd
More Than5000 K To IndividualsfalseMoreThan5000KToIndividualsInd
Professional FundraisingfalseProfessionalFundraisingInd
Fundraising ActivitiesfalseFundraisingActivitiesInd
Gaming ActivitiesfalseGamingActivitiesInd
Operate HospitalfalseOperateHospitalInd
Grants To OrganizationsfalseGrantsToOrganizationsInd
Grants To IndividualsfalseGrantsToIndividualsInd
Schedule J RequiredfalseScheduleJRequiredInd
Tax Exempt BondsfalseTaxExemptBondsInd
Invest Tax Exempt BondsfalseInvestTaxExemptBondsInd
Escrow AccountfalseEscrowAccountInd
On Behalf Of IssuerfalseOnBehalfOfIssuerInd
Engaged In Excess Benefit TransfalseEngagedInExcessBenefitTransInd
PY Excess Benefit TransfalsePYExcessBenefitTransInd
Loan OutstandingfalseLoanOutstandingInd
Grant To Related PersonfalseGrantToRelatedPersonInd
Business Rln With Org MemfalseBusinessRlnWithOrgMemInd
Business Rln With Fam MemfalseBusinessRlnWithFamMemInd
Business Rln With Officer EntfalseBusinessRlnWithOfficerEntInd
Deductible Non Cash ContrifalseDeductibleNonCashContriInd
Deductible Art ContributionfalseDeductibleArtContributionInd
Terminate OperationsfalseTerminateOperationsInd
Partial LiquidationfalsePartialLiquidationInd
Disregarded EntityfalseDisregardedEntityInd
Related EntityfalseRelatedEntityInd
Related Organization Ctrl EntfalseRelatedOrganizationCtrlEntInd
Transaction With Control EntfalseTransactionWithControlEntInd
Trnsfr Exmpt Non Chrtbl Rltd OrgfalseTrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted PrtshpfalseActivitiesConductedPrtshpInd
Schedule O RequiredYes (true)ScheduleORequiredInd
Info In Schedule O Part VYes (X)InfoInScheduleOPartVInd
IRP Document1629IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld CompliancefalseBackupWthldComplianceInd
Employee24EmployeeCnt
Employment Tax Returns FiledYes (true)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitfalseUnrelatedBusIncmOverLimitInd
Form990 T FiledfalseForm990TFiledInd
Foreign Financial AccountfalseForeignFinancialAccountInd
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTransInd
Taxable Party NotificationfalseTaxablePartyNotificationInd
Form8886 T FiledfalseForm8886TFiledInd
Nondeductible ContributionsfalseNondeductibleContributionsInd
Nondeductible Contri DisclfalseNondeductibleContriDisclInd
Quid Pro Quo ContributionsfalseQuidProQuoContributionsInd
Quid Pro Quo Contri DisclfalseQuidProQuoContriDisclInd
Form8282 Property Disposed OffalseForm8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft CntrctfalseRcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft CntrctfalsePayPremiumsPrsnlBnftCntrctInd
Form8899 FiledindfalseForm8899Filedind
Form1098 C FiledfalseForm1098CFiledInd
Excess Business HoldingsfalseExcessBusinessHoldingsInd
Taxable DistributionsfalseTaxableDistributionsInd
Distribution To DonorfalseDistributionToDonorInd
Org Filed In Lieu Of Form1041falseOrgFiledInLieuOfForm1041Ind
Licensed More Than One StatefalseLicensedMoreThanOneStateInd
Indoor Tanning ServicesfalseIndoorTanningServicesInd
Form720 FiledfalseForm720FiledInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members6GoverningBodyVotingMembersCnt
Independent Voting Member6IndependentVotingMemberCnt
Family Or Business RlnfalseFamilyOrBusinessRlnInd
Delegation Of Mgmt DutiesfalseDelegationOfMgmtDutiesInd
Change To Org DocumentsfalseChangeToOrgDocumentsInd
Material Diversion Or MisusefalseMaterialDiversionOrMisuseInd
Members Or StockholdersYes (true)MembersOrStockholdersInd
Election Of Board MembersYes (true)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (true)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (true)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (true)MinutesOfCommitteesInd
Officer Mailing AddressfalseOfficerMailingAddressInd
Local ChaptersfalseLocalChaptersInd
Policies Reference ChaptersfalsePoliciesReferenceChaptersInd
Form990 Provided To Gvrn BodyfalseForm990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (true)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (true)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (true)RegularMonitoringEnfrcInd
Whistleblower PolicyfalseWhistleblowerPolicyInd
Document Retention PolicyYes (true)DocumentRetentionPolicyInd
Compensation Process CEOYes (true)CompensationProcessCEOInd
Compensation Process OtherfalseCompensationProcessOtherInd
Investment In Joint VenturefalseInvestmentInJointVentureInd
Written Policy Or ProcedurefalseWrittenPolicyOrProcedureInd
States Where Copy Of Return Is FldCOStatesWhereCopyOfReturnIsFldCd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

FieldValueIRS element (for citing)
PersonPAUL H STEINKE JRPersonNm
Phone7194735962PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line11616 N CIRCLE DRAddressLine1
CityCOLORADO SPRINGSCity
StateCOState
ZIP Code80909ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (7 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtHighest Compensated EmployeeHighestCompensatedEmployeeInd
PAUL R EDIE
BOARD MEMBER1Yes (X)$0$0$0
AURA E PATTERSON
BOARD MEMBER1Yes (X)$0$0$0
JAMES T ROCCO
BOARD MEMBER1Yes (X)$0$0$0
FRANK A OTOUPALIK
BOARD MEMBER1Yes (X)$0$0$0
MICHAEL B CLIETT
BOARD MEMBER1Yes (X)$0$0$0
JACK G MENARD
BOARD MEMBER1Yes (X)$0$0$0
PAUL H STEINKE JR
PRESIDENTCEO40$129,858$0$2,500Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$129,858TotalReportableCompFromOrgAmt
Total Other Compensation$2,500TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K1IndivRcvdGreaterThan100KCnt
Former Ofcr Employees ListedfalseFormerOfcrEmployeesListedInd
Total Comp Greater Than150 KfalseTotalCompGreaterThan150KInd
Compensation From Other SrcsfalseCompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

FieldValueIRS element (for citing)
PersonNAPersonNm
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K0CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDescTotal Revenue ColumnTotalRevenueColumnAmtExclusionExclusionAmt
INTEREST ON LOANS$2,269,309$2,269,309
FEE INCOME$316,385$316,385
MISCELLANEOUS INCOME$281,553$281,553
FieldValueIRS element (for citing)
Total Program Service Revenue$2,867,247TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$103,804TotalRevenueColumnAmt
Exclusion$103,804ExclusionAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$2,971,051TotalRevenueColumnAmt
Related Or Exempt Func Income$0RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$0UnrelatedBusinessRevenueAmt
Exclusion$2,971,051ExclusionAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$910,693TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$27,760TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$70,475TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$69,497TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$300TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$7,200TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$26,628TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$399,645TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$89,775TotalAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$14,597TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$113,517TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$22,838TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
DIVIDEND EXPENSE$432,756
PROVISION FOR LOAN LOSS$236,000
DATA PROCESSING EXPENSE$104,751
NCUA OPERATING FEES$47,065

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$87,494TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$2,660,991TotalAmt
Program Services$0ProgramServicesAmt
Management And General$0ManagementAndGeneralAmt
Fundraising$0FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$618,805BOYAmt
EOY$629,013EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$19,738,900BOYAmt
EOY$20,523,722EOYAmt

Accounts Receivable AccountsReceivableGrp

FieldValueIRS element (for citing)
BOY$12,635BOYAmt
EOY$42,259EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$45,950,527BOYAmt
EOY$48,162,222EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$759,810BOYAmt
EOY$701,616EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$2,599,416LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$1,414,083LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$1,294,416BOYAmt
EOY$1,185,333EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

FieldValueIRS element (for citing)
BOY$1,703,964BOYAmt
EOY$1,309,438EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$957,218BOYAmt
EOY$2,018,335EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$71,036,275BOYAmt
EOY$74,571,938EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$207,006BOYAmt
EOY$162,213EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$64,590,461BOYAmt
EOY$67,860,857EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$64,797,467BOYAmt
EOY$68,023,070EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$1,660,749BOYAmt
EOY$1,660,749EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$4,578,059BOYAmt
EOY$4,888,119EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$6,238,808BOYAmt
EOY$6,548,868EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$71,036,275BOYAmt
EOY$74,571,938EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$310,060ReconcilationRevenueExpnssAmt
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or ReviewfalseAccountantCompileOrReviewInd
FS AuditedfalseFSAuditedInd
Audit CommitteefalseAuditCommitteeInd
Federal Grant Audit RequiredfalseFederalGrantAuditRequiredInd
Federal Grant Audit PerformedfalseFederalGrantAuditPerformedInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$281,459OtherCostOrOtherBasisAmt
Book Value$281,459BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$1,674,923OtherCostOrOtherBasisAmt
Depreciation$943,549DepreciationAmt
Book Value$731,374BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$643,034OtherCostOrOtherBasisAmt
Depreciation$470,534DepreciationAmt
Book Value$172,500BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$1,185,333TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBER DEPOSITSDesc
Amt$67,860,857Amt
FieldValueIRS element (for citing)
Total Liability$67,860,857TotalLiabilityAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990 PART III LINE 4D - ALL OTHER ACCOMPLISHMENTNA
FORM 990 PART V LINE 3B - FORM 990-T NOT FILED EXPLANATIONTHE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. ALL INCOME AND EXPENSES ARE DEEMED RELATED TO THE OVERALL OBJECTIVE OF MEMBER SERVICES.
FORM 990 PART VI LINE 7A - ELECTION OF MEMBERS AND THEIR RIGHTSTHE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS
FORM 990 PART VI LINE 7B - DECISIONS SUBJECT TO APPROVAL OF MEMBERSANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
FORM 990 PART VI LINE 11B - ORGANIZATION'S PROCESS TO REVIEW FORM 990NO REVIEW WAS OR WILL BE CONDUCTED.
FORM 990 PART VI LINE 12C - ENFORCEMENT OF CONFLICTS POLICYTHE SECURITY MATRIX OF THE DATA PROCESSING SYSTEM PROHIBITS EMPLOYEES AND DIRECTORS FROM INITIATING TRANSACTIONS ON ALL ACCOUNTS LISTED ON THEIR CONFLICT OF INTEREST DISCLOSURE STATEMENT WHICH IS UPDATED ANNUALLY.
FORM 990 PART VI LINE 15A - COMPENSATION PROCESS FOR TOP OFFICIALTHE PRESIDENT'S SALARY IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS. THE BOARD IS PROVIDED A SALARY SURVEY FROM A THIRD PARTY TO BASE THEIR DECISION. THE SALARY LEVEL IS APPROVED BY THE BOARD. THE LAST EVALUATION WAS CONDUCTED IN MAY 2013.
FORM 990 PART VI LINE 19 - GOVERNING DOCUMENTS DISCLOSURE EXPLANATIONTHE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBIES AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC.

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