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    <Timestamp>2011-05-16T12:14:00-06:00</Timestamp>
    <TaxPeriodEndDate>2010-12-31</TaxPeriodEndDate>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2010-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>362282191</EIN>
      <Name>
        <BusinessNameLine1>FINANCIAL PLUS CREDIT UNION</BusinessNameLine1>
      </Name>
      <NameControl>FINA</NameControl>
      <Phone>8154331496</Phone>
      <USAddress>
        <AddressLine1>800 CHESTNUT STREET</AddressLine1>
        <City>OTTAWA</City>
        <State>IL</State>
        <ZIPCode>61350</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>JACK TEAUSANT</Name>
      <Title>PRESIDENT CEO</Title>
      <Phone>8154331496</Phone>
      <DateSigned>2011-05-13</DateSigned>
    </Officer>
    <TaxYear>2010</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCount="4">
    <IRS990 referenceDocumentId="RetDoc2" documentId="RetDoc5">
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        <BusinessNameLine1>FINANCIAL PLUS CREDIT UNION</BusinessNameLine1>
      </DoingBusinessAs>
      <NameOfPrincipalOfficerPerson>JACK TEAUSANT</NameOfPrincipalOfficerPerson>
      <AddressPrincipalOfficerUS>
        <AddressLine1>800 CHESTNUT STREET</AddressLine1>
        <City>OTTAWA</City>
        <State>IL</State>
        <ZIPCode>61350</ZIPCode>
      </AddressPrincipalOfficerUS>
      <GrossReceipts>10869573</GrossReceipts>
      <GroupReturnForAffiliates>false</GroupReturnForAffiliates>
      <AllAffiliatesIncluded>true</AllAffiliatesIncluded>
      <Organization501c typeOf501cOrganization="14">X</Organization501c>
      <WebSite>WWW.FINANCIALPLUS.ORG</WebSite>
      <TypeOfOrganizationOther>X</TypeOfOrganizationOther>
      <TypeOfOrgOtherDescription>COOPERATIVE</TypeOfOrgOtherDescription>
      <YearFormation>1951</YearFormation>
      <StateLegalDomicile>IL</StateLegalDomicile>
      <ActivityOrMissionDescription>TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS SAVINGS ACCOUNTS AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.</ActivityOrMissionDescription>
      <NbrVotingMembersGoverningBody>7</NbrVotingMembersGoverningBody>
      <NbrIndependentVotingMembers>5</NbrIndependentVotingMembers>
      <TotalNbrEmployees>66</TotalNbrEmployees>
      <TotalNbrVolunteers>9</TotalNbrVolunteers>
      <TotalGrossUBI>0</TotalGrossUBI>
      <ContributionsGrantsCurrentYear>0</ContributionsGrantsCurrentYear>
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      <SalariesEtcPriorYear>3051559</SalariesEtcPriorYear>
      <SalariesEtcCurrentYear>3168142</SalariesEtcCurrentYear>
      <TotalProfFundrsngExpCY>0</TotalProfFundrsngExpCY>
      <TotalFundrsngExpCurrentYear>0</TotalFundrsngExpCurrentYear>
      <OtherExpensePriorYear>6406733</OtherExpensePriorYear>
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      <RevenuesLessExpensesPriorYear>1914022</RevenuesLessExpensesPriorYear>
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      <TotalAssetsBOY>158979418</TotalAssetsBOY>
      <TotalAssetsEOY>175451949</TotalAssetsEOY>
      <TotalLiabilitiesBOY>137067458</TotalLiabilitiesBOY>
      <TotalLiabilitiesEOY>151826312</TotalLiabilitiesEOY>
      <NetAssetsOrFundBalancesBOY>21911960</NetAssetsOrFundBalancesBOY>
      <NetAssetsOrFundBalancesEOY>23625637</NetAssetsOrFundBalancesEOY>
      <MissionDescription>EXCEPTIONAL SERVICE TO MEMBERS</MissionDescription>
      <SignificantNewProgramServices>false</SignificantNewProgramServices>
      <SignificantChange>false</SignificantChange>
      <Description>PROVIDED 5020 NEW LOANS TO MEMBERS DURING 2010 TOTALING 64645312. THIS INCLUDES REAL ESTATE HOME EQUITY AND CONSUMER LOANS.</Description>
      <Activity2>
        <Description>PROVIDED 11540 SHARE DRAFT CHECKING ACCOUNTS WITH RELATED SERVICES TO MEMBERS.</Description>
      </Activity2>
      <Activity3>
        <Description>PROVIDED 4997 MEMBERS WITH VISA CREDIT CARDS. THE REVOLVING LINES OF CREDIT ON THESE CARDS TOTAL 17637534</Description>
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      <DescribedIn501C3>false</DescribedIn501C3>
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      <CollectionsOfArt>false</CollectionsOfArt>
      <CreditCounseling>false</CreditCounseling>
      <TermOrPermanentEndowments>false</TermOrPermanentEndowments>
      <ReportLandBldgEquip>true</ReportLandBldgEquip>
      <ReportInvestOthSecurities>false</ReportInvestOthSecurities>
      <ReportProgRelInvest>false</ReportProgRelInvest>
      <ReportOtherAssets>false</ReportOtherAssets>
      <ReportOtherLiabilities>true</ReportOtherLiabilities>
      <ReportFin48Footnote>false</ReportFin48Footnote>
      <IndependentAuditFinancialStmt>false</IndependentAuditFinancialStmt>
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      <School>false</School>
      <ForeignOffice>false</ForeignOffice>
      <ForeignActivities>false</ForeignActivities>
      <MoreThan5000KToOrganizations>false</MoreThan5000KToOrganizations>
      <MoreThan5000KToIndividuals>false</MoreThan5000KToIndividuals>
      <ProfessionalFundraising>false</ProfessionalFundraising>
      <FundraisingActivities>false</FundraisingActivities>
      <Gaming>false</Gaming>
      <Hospital>false</Hospital>
      <GrantsToOrganizations>false</GrantsToOrganizations>
      <GrantsToIndividuals>false</GrantsToIndividuals>
      <ScheduleJRequired referenceDocumentId="RetDoc3">true</ScheduleJRequired>
      <TaxExemptBonds>false</TaxExemptBonds>
      <ExcessBenefitTransaction>false</ExcessBenefitTransaction>
      <LoanToOfficerOrDQP>false</LoanToOfficerOrDQP>
      <GrantToRelatedPerson>false</GrantToRelatedPerson>
      <BsnssRltnshpWithOrganization>false</BsnssRltnshpWithOrganization>
      <BsnssRltnshpThruFamilyMember>false</BsnssRltnshpThruFamilyMember>
      <OfficerEntityWithBsnssRltnshp>false</OfficerEntityWithBsnssRltnshp>
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      <DeductibleContributionsOfArt>false</DeductibleContributionsOfArt>
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      <PartialLiquidation>false</PartialLiquidation>
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      <RelatedEntity>false</RelatedEntity>
      <RelatedOrgControlledEntity>false</RelatedOrgControlledEntity>
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      <ScheduleORequired>true</ScheduleORequired>
      <NumberFormsTransmittedWith1096>6557</NumberFormsTransmittedWith1096>
      <NumberW2GIncluded>0</NumberW2GIncluded>
      <ComplianceWithBackupWitholding>true</ComplianceWithBackupWitholding>
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      <EmploymentTaxReturnsFiled>true</EmploymentTaxReturnsFiled>
      <UnrelatedBusinessIncome>false</UnrelatedBusinessIncome>
      <ForeignFinancialAccount>false</ForeignFinancialAccount>
      <ProhibitedTaxShelterTrans>false</ProhibitedTaxShelterTrans>
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      <NonDeductibleContributions>false</NonDeductibleContributions>
      <IndoorTanningServices>false</IndoorTanningServices>
      <Form720Filed>false</Form720Filed>
      <InfoInScheduleOPartVI>X</InfoInScheduleOPartVI>
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      <MembersOrStockholders>true</MembersOrStockholders>
      <ElectionOfBoardMembers>true</ElectionOfBoardMembers>
      <DecisionsSubjectToApproval>true</DecisionsSubjectToApproval>
      <MinutesOfGoverningBody>true</MinutesOfGoverningBody>
      <MinutesOfCommittees>true</MinutesOfCommittees>
      <OfficerMailingAddress>false</OfficerMailingAddress>
      <LocalChapters>false</LocalChapters>
      <Form990ProvidedToGoverningBody>false</Form990ProvidedToGoverningBody>
      <ConflictOfInterestPolicy>false</ConflictOfInterestPolicy>
      <WhistleblowerPolicy>false</WhistleblowerPolicy>
      <DocumentRetentionPolicy>true</DocumentRetentionPolicy>
      <CompensationProcessCEO>true</CompensationProcessCEO>
      <CompensationProcessOther>true</CompensationProcessOther>
      <InvestmentInJointVenture>false</InvestmentInJointVenture>
      <UponRequest>X</UponRequest>
      <TheBooksAreInCareOf>
        <NamePerson>PETER FAUTH</NamePerson>
        <TelephoneNumber>8154331496</TelephoneNumber>
        <AddressUS>
          <AddressLine1>800 CHESTNUT STREET</AddressLine1>
          <City>OTTAWA</City>
          <State>IL</State>
          <ZIPCode>61350</ZIPCode>
        </AddressUS>
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        <NamePerson>ROBERT MARSHALL</NamePerson>
        <Title>BOARD CHAIRMAN</Title>
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        <NamePerson>PAUL SWEEDEN</NamePerson>
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        <NamePerson>WILLIAM MUCCI</NamePerson>
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      <Form990PartVIISectionA>
        <NamePerson>ANTHONY QUIGLEY</NamePerson>
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        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
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      <Form990PartVIISectionA>
        <NamePerson>LEROY JENKINS</NamePerson>
        <Title>DIRECTOR SUPERVISORY COMMITTEE MEMBER</Title>
        <AverageHoursPerWeek>2</AverageHoursPerWeek>
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        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>GILBERT MEYER</NamePerson>
        <Title>DIRECTOR SUPERVISORY COMMITTEE MEMBER</Title>
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        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>JACK TEAUSANT</NamePerson>
        <Title>PRESIDENT CEO</Title>
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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>18345</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>TIM O'DONNELL</NamePerson>
        <Title>SR. VICE PRESIDENT</Title>
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        <Officer>X</Officer>
        <ReportableCompFromOrganization>129514</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>15024</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>SANDY BURKART</NamePerson>
        <Title>VICE PRESIDENT</Title>
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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>13935</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>BETTY FREY</NamePerson>
        <Title>VICE PRESIDENT - COO</Title>
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        <ReportableCompFromOrganization>102681</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>14039</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>PETER FAUTH</NamePerson>
        <Title>VICE PRESIDENT CFO</Title>
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      <NumberIndividualsGT100K>4</NumberIndividualsGT100K>
      <FormersListed>false</FormersListed>
      <TotalCompGT150K>true</TotalCompGT150K>
      <CompensationFromOtherSources>false</CompensationFromOtherSources>
      <ContractorCompensation>
        <NameOfContractor>
          <NamePerson>LK-CS INC</NamePerson>
        </NameOfContractor>
        <AddressOfContractor>
          <AddressUS>
            <AddressLine1>4130 PLANK ROAD</AddressLine1>
            <City>PERU</City>
            <State>IL</State>
            <ZIPCode>61354</ZIPCode>
          </AddressUS>
        </AddressOfContractor>
        <DescriptionOfServices>MARKETING AND STATEMENT PROCESSING</DescriptionOfServices>
        <Compensation>315314</Compensation>
      </ContractorCompensation>
      <ContractorCompensation>
        <NameOfContractor>
          <NamePerson>BLUE CROSS BLUE SHIELD</NamePerson>
        </NameOfContractor>
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          <AddressUS>
            <AddressLine1>PO BOX 1186</AddressLine1>
            <City>CHICAGO</City>
            <State>IL</State>
            <ZIPCode>60690</ZIPCode>
          </AddressUS>
        </AddressOfContractor>
        <DescriptionOfServices>EMPLOYEE HEALTH INSURANCE PROVIDER</DescriptionOfServices>
        <Compensation>250133</Compensation>
      </ContractorCompensation>
      <ContractorCompensation>
        <NameOfContractor>
          <NamePerson>DIGITAL INSIGHT</NamePerson>
        </NameOfContractor>
        <AddressOfContractor>
          <AddressUS>
            <AddressLine1>PO BOX 515306</AddressLine1>
            <City>LOS ANGELES</City>
            <State>CA</State>
            <ZIPCode>90051</ZIPCode>
          </AddressUS>
        </AddressOfContractor>
        <DescriptionOfServices>INTERNET BANKING PROVIDER</DescriptionOfServices>
        <Compensation>202645</Compensation>
      </ContractorCompensation>
      <ContractorCompensation>
        <NameOfContractor>
          <NamePerson>ROUTE 66</NamePerson>
        </NameOfContractor>
        <AddressOfContractor>
          <AddressUS>
            <AddressLine1>PO BOX 1075</AddressLine1>
            <City>MOUNTAIN HOME</City>
            <State>AR</State>
            <ZIPCode>72654</ZIPCode>
          </AddressUS>
        </AddressOfContractor>
        <DescriptionOfServices>MAINTENANCE WARRANTY PROVIDER</DescriptionOfServices>
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      </ContractorCompensation>
      <ContractorCompensation>
        <NameOfContractor>
          <NamePerson>FISERV</NamePerson>
        </NameOfContractor>
        <AddressOfContractor>
          <AddressUS>
            <AddressLine1>75 REMITTANCE DRIVE</AddressLine1>
            <City>CHICAGO</City>
            <State>IL</State>
            <ZIPCode>60675</ZIPCode>
          </AddressUS>
        </AddressOfContractor>
        <DescriptionOfServices>DATA PROCESSING SYSTEM PROVIDER</DescriptionOfServices>
        <Compensation>178115</Compensation>
      </ContractorCompensation>
      <NumberOfContractorsGT100K>6</NumberOfContractorsGT100K>
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        <Description>INTEREST ON LOANS</Description>
        <BusinessCode>522291</BusinessCode>
        <TotalRevenueColumn>7436296</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>7436296</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>SHARE DRAFTSDEBITATM INCOME</Description>
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        <RelatedOrExemptFunctionIncome>2202692</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>VISA CREDIT CARD INCOME</Description>
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      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
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        <RelatedOrExemptFunctionIncome>364081</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
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        <ExclusionAmount>0</ExclusionAmount>
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      <CompCurrentOfficersDirectors>
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      </CompCurrentOfficersDirectors>
      <OtherSalariesAndWages>
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      <PensionPlanContributions>
        <Total>279727</Total>
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      <OtherEmployeeBenefits>
        <Total>282800</Total>
      </OtherEmployeeBenefits>
      <PayrollTaxes>
        <Total>152179</Total>
      </PayrollTaxes>
      <FeesForServicesLegal>
        <Total>3231</Total>
      </FeesForServicesLegal>
      <FeesForServicesAccounting>
        <Total>29308</Total>
      </FeesForServicesAccounting>
      <Advertising>
        <Total>273431</Total>
      </Advertising>
      <OfficeExpenses>
        <Total>527857</Total>
      </OfficeExpenses>
      <InformationTechnology>
        <Total>285332</Total>
      </InformationTechnology>
      <Occupancy>
        <Total>310785</Total>
      </Occupancy>
      <Travel>
        <Total>75566</Total>
      </Travel>
      <ConferencesMeetings>
        <Total>30341</Total>
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      <DepreciationDepletion>
        <Total>455031</Total>
      </DepreciationDepletion>
      <Insurance>
        <Total>427240</Total>
      </Insurance>
      <OtherExpenses>
        <Description>DIVIDENDS PAID ON SHARES</Description>
        <Total>1818634</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>VISA LOAN AND COLLECTIONS EXPENSES</Description>
        <Total>402430</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>SHARE DRAFT DEBIT AND ATM EXPENSES</Description>
        <Total>481941</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>PROVISION FOR LOAN LOSSES</Description>
        <Total>310566</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>LOSS ON CORPORATE CU CAPITAL INVESTMENT</Description>
        <Total>234402</Total>
      </OtherExpenses>
      <AllOtherExpenses>
        <Total>321659</Total>
      </AllOtherExpenses>
      <TotalFunctionalExpenses>
        <Total>9155896</Total>
        <ProgramServices>0</ProgramServices>
        <ManagementAndGeneral>0</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
      </TotalFunctionalExpenses>
      <CashNonInterestBearing>
        <BOY>3427590</BOY>
        <EOY>3245941</EOY>
      </CashNonInterestBearing>
      <SavingsAndTempCashInvestments>
        <BOY>30275387</BOY>
        <EOY>38054813</EOY>
      </SavingsAndTempCashInvestments>
      <OtherNotesLoansReceivableNet>
        <BOY>114662798</BOY>
        <EOY>123702904</EOY>
      </OtherNotesLoansReceivableNet>
      <PrepaidExpensesDeferredCharges>
        <BOY>283417</BOY>
        <EOY>231233</EOY>
      </PrepaidExpensesDeferredCharges>
      <LandBuildingsEquipmentBasis>7491765</LandBuildingsEquipmentBasis>
      <LandBuildingsEquipmentBasisNet>
        <BOY>7768293</BOY>
        <EOY>7491765</EOY>
      </LandBuildingsEquipmentBasisNet>
      <OtherAssetsTotal>
        <BOY>2561933</BOY>
        <EOY>2725293</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>158979418</BOY>
        <EOY>175451949</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>1263598</BOY>
        <EOY>1511601</EOY>
      </AccountsPayableAccruedExpenses>
      <OtherLiabilities>
        <BOY>135803860</BOY>
        <EOY>150314711</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>137067458</BOY>
        <EOY>151826312</EOY>
      </TotalLiabilities>
      <RetainedEarningsEndowmentEtc>
        <BOY>21911960</BOY>
        <EOY>23625637</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>21911960</BOY>
        <EOY>23625637</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>158979418</BOY>
        <EOY>175451949</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>1713677</ReconcilationRevenueExpenses>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>false</FSAudited>
      <AuditCommittee>false</AuditCommittee>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>false</FederalGrantAuditPerformed>
    </IRS990>
    <IRS990ScheduleD documentId="RetDoc4">
      <Land>
        <OtherCostOrOtherBasis>2061682</OtherCostOrOtherBasis>
        <BookValue>2061682</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>4706499</OtherCostOrOtherBasis>
        <BookValue>4706499</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>723584</OtherCostOrOtherBasis>
        <BookValue>723584</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>7491765</TotalOfBookValueLandBuildings>
      <OtherLiabilities>
        <Description>MEMBER SHARES</Description>
        <Amount>150314711</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>150314711</TotalOfAmounts>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="RetDoc3">
      <TravelForCompanions>X</TravelForCompanions>
      <ClubDuesOrFees>X</ClubDuesOrFees>
      <WrittenPolicyReTAndEExpenses>true</WrittenPolicyReTAndEExpenses>
      <SubstantiationRequired>true</SubstantiationRequired>
      <CompensationCommittee>X</CompensationCommittee>
      <WrittenEmploymentContract>X</WrittenEmploymentContract>
      <CompensationSurvey>X</CompensationSurvey>
      <BoardOrCommitteeApproval>X</BoardOrCommitteeApproval>
      <SeverancePayment>false</SeverancePayment>
      <SupplementalNonqualRetirePlan>false</SupplementalNonqualRetirePlan>
      <EquityBasedCompArrangement>false</EquityBasedCompArrangement>
      <CompBasedOnRevenueOfFilingOrg>false</CompBasedOnRevenueOfFilingOrg>
      <CompBasedOnRevenueRelatedOrgs>false</CompBasedOnRevenueRelatedOrgs>
      <CompBasedNetEarningsFilingOrg>false</CompBasedNetEarningsFilingOrg>
      <CompBasedNetEarningsRelateOrgs>false</CompBasedNetEarningsRelateOrgs>
      <AnyNonFixedPayments>false</AnyNonFixedPayments>
      <InitialContractException>false</InitialContractException>
      <RebuttablePresumptionProcedure>false</RebuttablePresumptionProcedure>
      <Form990ScheduleJPartII>
        <NamePerson>JACK TEAUSANT</NamePerson>
        <BaseCompensationFilingOrg>159983</BaseCompensationFilingOrg>
        <BonusFilingOrg>49517</BonusFilingOrg>
        <OtherCompensationFilingOrg>8397</OtherCompensationFilingOrg>
        <DeferredCompFilingOrg>18345</DeferredCompFilingOrg>
        <TotalCompensationFilingOrg>236242</TotalCompensationFilingOrg>
        <CompReportPrior990FilingOrg>228475</CompReportPrior990FilingOrg>
      </Form990ScheduleJPartII>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="RetDoc2">
      <GeneralExplanation>
        <Explanation>PART VI SEC. A 2 - JACK TEAUSANT AND SANDY BURKART - FAMILY RELATIONSHIP. PART VI SEC. B. 15AB - ALL EMPLOYEES INCLUDING OFFICERS GO THROUGH AN ANNUAL PERFORMANCE EVALUATION PROCESS AND ARE GIVEN SALARY INCREASE CONSIDERATION BASED ON PERFORMANCE. SALARY LEVELS ARE GAUGED VIA INDEPENDENT PUBLISHED COMPENSATION SURVEYS. PART VI SEC. C. 19 - FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. ANNUAL REPORTS INCLUDING YEAR END FINANCIAL STATEMENTS AND A REPORT OF THE DIRECTORS ARE AVAILABLE IN OUR OFFICES AND ON OUR WEBSITE. PART VI SEC. A. 11 - 990 IS PREPARED BY CFO AND REVIEWED WITH OFFICERS BOARD OF DIRECTORS AND EXTERNAL AUDITORS.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>