| FORM 990, PART VI, SECTION A, LINE 2 |
THE CHAIR OF THE BOARD OF DIRECTORS IS A DIRECT FAMILY RELATIVE OF THE CREDIT UNION'S COO. |
| FORM 990, PART VI, SECTION A, LINE 6 |
MEMBERS CONSIST OF DEPOSITORS WITH A MINIMUM BALANCE OF $5 IN THEIR SAVINGS ACCOUNT. |
| FORM 990, PART VI, SECTION A, LINE 7A |
THE MEMBERS OF THE CREDIT UNION MAY ELECT ONE OR MORE OF THE BOARD OF DIRECTORS. |
| FORM 990, PART VI, SECTION A, LINE 7B |
THE MEMBERS HAVE VOTING RIGHTS OVER CERTAIN DECISIONS MADE BY THE GOVERNING BODY (BOARD OF DIRECTORS). VOTING USUALLY TAKES PLACE AT THE ANNUAL MEETING AND THEIR VOTING RIGHTS CONSIST OF ELECTION OF THE BOARD OF DIRECTORS, CORPORATE CHARTER AND BY-LAW CHANGES AND APPROVAL OF MERGERS WITH OTHER FINANCIAL INSTITUTIONS. |
| FORM 990, PART VI, SECTION B, LINE 11 |
THE CREDIT UNION'S CHAIR OF THE AUDIT COMMITTEE REVIEWS THE FORM 990 ON BEHALF OF THE BOARD OF DIRECTORS PRIOR TO TAX RETURN BEING FILED. THEN A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF THE DIRECTORS SUBSEQUENT TO FILING. |
| FORM 990, PART VI, SECTION C, LINE 19 |
AVAILABLE UPON REQUEST |
| FORM 990, PART IX, LINE 11G |
LOAN SERVICE EXP 56,149. LATE CHARGES 2,872. MORTGAGE SERVICE EXP 20,817. COLLECTION EXP 194,791. OUTSIDE SERVICES 233,241. IRA MAINTENANCE FEES 6,164. SERVICE BUREAU 286,042. PAYROLL SERVICE 7,434. OTHER 58,367. |
| FORM 990, PART XI, LINE 9: |
OCI FAS 158 DEFINED BENEFIT PLAN AND SERP ADJUSTMENT -222,131. |
Attach to Form 990 or 990-EZ.