2022-09-19T13:49:28-05:00 2021-12-31 382492570 DOEREN MAYHEW 12060 SW 129TH COURT STE 201 MIAMI FL 331864582 990 2021-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4045751817 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 4045751817 2022-09-16 CHRISTIN HEWITT XXX-XX-XXXX DOUGLAS J ORTH P01076394 3052328272 0 AAL1 IAL1 2021 2022-09-23 18:48:47Z DAVID A PRETER 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 475779474 0 X WWW.GEROGIASOWN.ORG X 1943 GA BANKING ON PURPOSE. 11 9 699 0 666384 0 0 0 145345423 144289237 5610765 3211113 827625 0 151783813 147500350 177930 263530 12095189 0 51719096 58208658 0 0 0 97791601 64394539 161783816 122866727 -10000003 24633623 2934363474 3419402865 2648439418 3109997935 285924056 309404930 BANKING ON PURPOSE. 0 0 PROVIDED THRIFT SAVINGS/BORROWINGS TO 208,658 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 0 1 1 1 0 1 44931 0 1 699 1 1 1 0 0 0 0 0 0 0 0 0 X 11 9 0 0 1 1 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 22269 0 0 DAVID DICKEY DIRECTOR- VICE CHAIRPERSON 1.00 X 22451 0 0 JOAN K SIMS DIRECTOR- SECRETARY 1.00 X 22451 0 0 PATRICK H CASEY DIRECTOR- TREASURER 1.00 X 22451 0 0 DAVID A PRETER DIRECTOR/CEO 40.00 X X 681568 0 118295 MICHAEL W BAUMGARTNER DIRECTOR 1.00 X 22451 0 0 WILLIAM E CONINE DIRECTOR 1.00 X 22451 0 0 JAMES L FOWLER DIRECTOR 1.00 X 22451 0 0 GARY M LUDGOOD DIRECTOR 1.00 X 21610 0 0 THOMAS H POLLOCK DIRECTOR 1.00 X 22269 0 0 ERVIN M WALKER DIRECTOR 1.00 X 22269 0 0 GREG L GIBSON CHIEF FINANCIAL OFFICER 40.00 X 318970 0 47159 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 40.00 X 232660 0 28762 CINDY BOYLES CHIEF TALENT OFFICER 40.00 X 291359 0 114669 ERIC BROOME CHIEF OPERATIONS OFFICER 40.00 X 337528 0 90958 JOHN CAREW CHIEF STRATEGY OFFICER 40.00 X 347304 0 106528 KELLY GARMON CHIEF RETAIL OFFICER 40.00 X 361942 0 126896 BARRY HEAPE SOUTHWEST REGIONAL PRESIDENT 40.00 X 953426 0 45955 DREW PUTT CHIEF BUSINESS OFFICER 40.00 X 278065 0 37854 ROBERT YOUNGBLOOD REGIONAL EVP 40.00 X 521875 0 20007 AARON CRAIG DIRECTOR OF MORTGAGE & INDIRECT SALES 40.00 X 296244 0 33959 MATTHEW HAVICE SVP ERM & GENERAL COUNSEL 40.00 X 244331 0 30242 TERESA MARTIN SVP ACCOUNTING 40.00 X 219261 0 44372 KEVIN WILLIAMSON SVP ENTERPRISE TECHNOLOGY 40.00 X 219044 0 37345 5526700 0 883001 73 0 1 0 100 PEACHTREE PROPERTY LLC 401 N MICHIGAN AVE ST 1300 CHICAGO IL 60098 CORPORATE OFFICE RENT 2802681 FISERV SOLUTIONS INC 75 REMITTANCE DR STE 6945 CHICAGO IL 60675 FINANCIAL TECHNOLOGY SERVICES 2194980 ALKAMI TECHNOLOGY INC 5601 GRANITE PKWY SUITE 120 PLANO TX 75024 DIGITAL BANKING SOLUTIONS 1681565 AMPLIFI LOYALTY SOLUTIONS LLC 1620 BOND ST NAPERVILLE IL 60563 CREDIT CARD REWARDS SERVICES 1059775 CU ENGAGE LLC 5550 W EXECUTIVE DR TAMPA FL 33609 CONSULTING 859814 71 INTEREST ON LOANS 522100 92439678 92439678 OTHER INCOME 522100 35329359 35329359 FEE INCOME 522100 15853816 15853816 FINANCE & INSURANCE 520000 666384 666384 144289237 3842141 3842141 327648096 328279124 -631028 -631028 -631028 147500350 142991825 666384 3842141 X 263530 4743021 36603202 2173441 11659091 3029903 415428 197206 4362505 15884501 6101418 542876 9992799 5041499 LOAN SERVICING EXPENSE 9084661 PROFESSIONAL AND OUTSID 4845608 MISCELLANEOUS OPERATING 4217025 PROVISION FOR LOAN LOSS 3466666 242347 122866727 34254394 33936141 510972257 702997150 23040866 37868584 24204522 24750710 2047392444 2042388451 3920078 5296252 75575713 29808394 48531398 45767319 127944483 398010765 22195807 28398916 6383110 6173366 85524115 93815211 2934363474 3419402865 29075889 40461853 1289000 1289000 50000000 2618074529 3018247082 2648439418 3109997935 X 0 0 0 0 285924056 309404930 285924056 309404930 2934363474 3419402865 X 24633623 -4582565 3429816 X X 0 1 X 1 0 8629058 8629058 18807617 4586447 14221170 8874199 3490272 5383927 38927393 21593222 17334171 337446 138453 198993 45767319 SHARE DRAFTS 658704412 REGULAR SHARES 1218770872 MONEY MARKET SHARES 563708094 SHARE CERTIFICATES 423085789 IRA/KEOGH ACCOUNTS 152358624 OTHER SHARES 1619291 3018247082 X 148321978 0 148321978 -821628 -821628 147500350 123688355 821628 821628 122866727 0 122866727 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. PART XI, LINE 4B - OTHER ADJUSTMENTS: LOSSES ON SALES REPORTED NET OF OTHER LOSSES IN AUDITED FINANCIAL STATEMENT BUT REPOTED AS A REDUCTION OF REVENUE IN FORM 990 STATEMENT OF REVENUE -821,628. PART XII, LINE 2D - OTHER ADJUSTMENTS: LOSSES ON SALES REPORTED NET OF OTHER LOSSES IN AUDITED FINANCIAL STATEMENT BUT REPOTED AS A REDUCTION OF REVENUE IN FORM 990 STATEMENT OF REVENUE 821,628. 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) 72500 19988 FMV AUCTION ITEM CHARITABLE CONTRIBUTION THE BRIAN JORDAN FOUNDATION 320 CHASON WOOD WAY ROSWELL GA 30076 522091069 501(C)(3) 20000 0 CHARITABLE CONTRIBUTION LAKEVIEW ACADEMY 796 LAKEVIEW DR GAINESVILLE FL 30501 581077096 501(C)(3) 13150 0 CHARITABLE CONTRIBUTION CLAYTON STATE UNIVERSITY 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 MGBA INC 1400 VETERANS MEMORIAL HWY SUITE 134 MABLETON GA 30126 432111568 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION EXCEL YOUTH ACADEMY INC 252 CREEK FRONT WAY LAWRENCEVILLE GA 30043 820606909 501(C)(3) 7000 0 CHARITABLE CONTRIBUTION 8 PART I, LINE 2: THESE ARE CHARITABLE CONTRIBUTIONS, NOT GRANTS. THERE IS NO SUBSEQUENT MONITORING BY THE CREDIT UNION. X X 0 1 X X X X X 0 1 0 BARRY HEAPE SOUTHWEST REGIONAL PRESIDENT 398797 0 10978 0 543651 0 15762 0 30193 0 999381 0 0 0 DAVID A PRETER DIRECTOR/CEO 587978 0 88983 0 4607 0 81146 0 37149 0 799863 0 0 0 ROBERT YOUNGBLOOD REGIONAL EVP 244593 0 275 0 277007 0 14688 0 5319 0 541882 0 0 0 KELLY GARMON CHIEF RETAIL OFFICER 309060 0 45140 0 7742 0 84223 0 42673 0 488838 0 0 0 JOHN CAREW CHIEF STRATEGY OFFICER 289349 0 54391 0 3564 0 62342 0 44186 0 453832 0 0 0 ERIC BROOME CHIEF OPERATIONS OFFICER 305187 0 31801 0 540 0 54359 0 36599 0 428486 0 0 0 CINDY BOYLES CHIEF TALENT OFFICER 250865 0 39252 0 1242 0 67829 0 46840 0 406028 0 0 0 GREG L GIBSON CHIEF FINANCIAL OFFICER 280011 0 35395 0 3564 0 16787 0 30372 0 366129 0 0 0 AARON CRAIG DIRECTOR OF MORTGAGE & INDIRECT SALE 39532 0 256350 0 362 0 10710 0 23249 0 330203 0 0 0 DREW PUTT CHIEF BUSINESS OFFICER 239488 0 36255 0 2322 0 12400 0 25454 0 315919 0 0 0 MATTHEW HAVICE SVP ERM & GENERAL COUNSEL 243516 0 275 0 540 0 14677 0 15565 0 274573 0 0 0 TERESA MARTIN SVP ACCOUNTING 217744 0 275 0 1242 0 13285 0 31087 0 263633 0 0 0 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 231143 0 275 0 1242 0 9904 0 18858 0 261422 0 0 0 KEVIN WILLIAMSON SVP ENTERPRISE TECHNOLOGY 218229 0 275 0 540 0 6322 0 31023 0 256389 0 0 0 PART I, LINE 1B 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 2021: CINDY BOYLES: $50,429 (2021 ACCRUAL) ERIC BROOME: $41,320 (2021 ACCRUAL) JOHN CAREW: $47,846 (2021 ACCRUAL) KELLY GARMON: $66,823 (2021 ACCRUAL) DAVID PRETER: $63,746 (2021 ACCRUAL) BARRY HEAPE: $536,481 (2021 PAYOUT) ROBERT YOUNGBLOOD: $268,240 (PAYOUT) THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO DAVID PRETER, KELLY GARMON, GREG GIBSON, TERESA MARTIN, MATT HAVICE, CHRISTIN HEWITT, KEVIN WILLIAMSON, CINDY BOYLES, JOHN CAREW, ERIC BROOME, BARRY HEAPE, AND ROBERT YOUNGBLOOD 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 7400984 0 1 1 WILLIAM LUSK FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 1461154 1752626 0 1 1 KELLY GARMON CHIEF RETAIL OFFICER SPLIT DOLLAR LIFE INSURANCE X 2194815 2584981 0 1 1 GREG GIBSON CHIEF FINANCIAL OFFICER, RETIRING SPLIT DOLLAR LIFE INSURANCE X 2900000 2813381 0 1 1 TERESA MARTIN SVP ACCOUNTING SPLIT DOLLAR LIFE INSURANCE X 950000 920579 0 1 1 MATT HAVICE SVP ENTERPRISE RISK MANAGMENT SPLIT DOLLAR LIFE INSURANCE X 450000 455361 0 1 1 CHRISTIAN HEWITT CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 600000 607147 0 1 1 LAURA KING FORMER SVP SPLIT DOLLAR LIFE INSURANCE X 900000 910721 0 1 1 KEVIN WILLIAMSON SVP ENTERPRISE TECHNOLOGY SPLIT DOLLAR LIFE INSURANCE X 450000 455361 0 1 1 CINDY BOYLES CHIEF TALENT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1150000 1153747 0 1 1 JOHN CAREW CHIEF STRATEGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 2550000 2464500 0 1 1 ERIC BROOME CHIEF OPERATIONS OFFICER SPLIT DOLLAR LIFE INSURANCE X 1000000 1002164 0 1 1 BARRY HEAPE SOUTHWEST REGIONAL PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 1435696 1407386 0 1 1 ROBERT YOUNGBLOOD SOUTHWEST REGIONAL EVP SPLIT DOLLAR LIFE INSURANCE X 821772 821772 0 1 1 24750710 DAVID DICKEY DIRECTOR 422400 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 VI, SECTION A, LINE 4 IN 2021, GEORGIA'S OWN MADE CHANGES TO THE CHARTER FOR THE COMPENSATION COMMITTEE, FURTHER DEFINING WHEN THE COMMITTEE AND BOARD MUST BE NOTIFIED AND/OR PROVIDE APPROVAL FOR COMPENSATION CHANGES FOR SENIOR STAFF. THE CHANGES CLARIFIED THAT AS LONG AS COMPENSATION CHANGES ARE WITHIN THE BOARD APPROVED BUDGET AND OCCUR DURING THE NORMAL SCHEDULE FOR COMPENSATION REVIEW (MARCH/APRIL) OR IN RELATION TO A CHANGE OF DUTIES, THE COMMITTEE NEED ONLY BE INFORMED OF SENIOR STAFF COMPENSATION CHANGES. HOWEVER, SHOULD A CHANGE BE GREATER THAN 5% OF THE BASE COMPENSATION OF THE SENIOR STAFF MEMBER RECEIVING THE CHANGE AND SAID CHANGE IS NOT DONE WITHIN THE TIMELINES OR FOR THE REASONS OUTLINED ABOVE, THE COMPENSATION COMMITTEE AND BOARD OF DIRECTORS MUST APPROVE. FORM 990, PART VI, SECTION A, LINE 5 DURING 2021, THE CREDIT UNION BECAME AWARE THAT OUR CASH DELIVERY VENDOR WAS THE VICTIM OF A ROBBERY PERPETRATED BY TWO MEMBERS OF THEIR STAFF. THE AUTHORITIES APPREHENDED THE TWO INDIVIDUALS, RECOVERED A PORTION OF THE FUNDS, AND CONDUCTED A LENGTHY INVESTIGATION. IN DECEMBER, A CLAIM WAS FILED WITH THE CREDIT UNION'S INSURER FOR THE REMAINDER OF THE FUNDS, AND THEY WILL ATTEMPT TO SUBROGATE. 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 MANAGEMENTDISCLOSE 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 CTO, RECOMMENDED TO, AND SUBSEQUENTLY APPROVED BY THE COMPENSATION COMMITTEE AND BOARD OF DIRECTORS. DATA FOR SVP ROLES WAS REVIEWED BY THE CEO AND CTO. 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 DEPT OF BANKING & FINANCE 242,347. FORM 990, PART XI, LINE 9: NET CHANGE IN DEFINED BENEFIT PENSION PLAN 3,024,990. EQUITY ACQUIRED THROUGH MERGER 404,826. FORM 990, PART XII, LINE 2C: THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. 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 92488 FMV GEORGIA'S OWN FOUNDATION L 129740 FMV GEORGIA'S OWN FOUNDATION O 129740 FMV GEORGIA'S OWN FOUNDATION Q 129740 FMV