2022-10-31T11:18:29-05:00 2021-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2021-01-01 820201645 POTLACH NO 1 FINANCIAL CREDIT UNION POTL 2087468900 1025 WARNER AVENUE LEWISTON ID 83501 CHRISTOPHER LOSETH PRESIDENT/CEO 2087468900 2022-10-27 1 CHRISTOPHER LOSETH 999009999 MELISSA HANGSLEBEN P02087031 6022662248 2022-10-27 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z CHRISTOPHER LOSETH 1025 WARNER AVENUE LEWISTON ID 83501 87525390 0 X WWW.P1FCU.ORG X 2019 ID WE PLEDGE TO SERVE EVERY MEMBER WITH THE HIGHEST LEVELS OF SINCERITY, FAIRNESS, COURTESY, RESPECT, AND GRATITUDE, DELIVERED WITH UNPARALLELED RESPONSIVENESS, EXPERTISE, EFFICIENCY AND ACCURACY. 9 9 505 13 146540 0 0 0 73311063 87218086 714555 274844 -20369 -70331 74005249 87422599 824505 535802 13838604 9586049 27460645 33867038 0 0 0 23675323 28410365 65799077 72399254 8206172 15023345 1575901747 1982476028 1465224617 1854312245 110677130 128163783 X WE PLEDGE TO SERVE EVERY MEMBER WITH THE HIGHEST LEVELS OF SINCERITY, FAIRNESS, COURTESY, RESPECT, AND GRATITUDE, DELIVERED WITH UNPARALLELED RESPONSIVENESS, EXPERTISE, EFFICIENCY AND ACCURACY. WE ARE IN BUSINESS TO CREATE LASTING RELATIONSHIPS, AND WE WILL TREAT OUR MEMBERS LIKE WE WANT TO BE TREATED. WE WILL OFFER THE FINEST PERSONAL SERVICE AND PRODUCTS DELIVERED BY CARING TEAM MEMBERS WHO TAKE 100 PERCENT RESPONSIBILITY FOR MEETING THE NEEDS OF EACH MEMBER. 0 0 PROVIDE FINANCIAL SERVICES TO 113,022 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, CONSUMER AUTO LENDING, CONSUMER MORTGAGE LENDING, COMMERCIAL LENDING, DEPOSIT ACCOUNTS, SAVINGS, CHECKING, MONEY MARKETS AND CD'S. 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 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 23833 0 505 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 1 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X PAUL MCCALL 2087468900 1025 WARNER AVENUE LEWISTON ID 83501 CHRISTOPHER LOSETH PRESIDENT/CEO 60.00 X 2021954 0 1003304 CRAIG EMERSON CHIEF FINANCIAL OFFICER 60.00 X 334362 0 597164 PATTI MESHISHNEK EXECUTIVE VICE PRESIDENT 60.00 X 621748 0 146215 TROY SANDVICK CHIEF OPERATIONS OFFICER 60.00 X 392478 0 97365 BRENT GIFFORD CHIEF INFORMATION OFFICER 60.00 X 299224 0 34136 CLINTON JOHNSON VICE PRESIDENT OF DATA & ANALYTICS 40.00 X 198724 0 117321 MICHAEL VOGELER CHIEF STRATEGY OFFICER 60.00 X 253263 0 49969 MICHAEL MOSER VP OF MORTGAGE 40.00 X 177455 0 113801 ELIZABETH BARNES VICE PRESIDENT OF UNDERWRITING 40.00 X 159735 0 117785 NATHANAEL NORMAN VP OF INFORMATION TECHNOLOGY 40.00 X 168840 0 86045 ANDREW HEIMGARTNER CHIEF LENDING OFFICER 60.00 X 210446 0 38950 DAVID LUMLEY BUSINESS SALES REPRESENTATIVE 40.00 X 146180 0 17974 DOUGLAS MUSHLITZ CHAIR 5.00 X X 0 0 0 TARA LEER VICE CHAIR 5.00 X X 0 0 0 TOM PFLIGER TREASURER 5.00 X X 0 0 0 RANDY BUTTENHOFF TREASURER (THRU 1/21) 5.00 X X 0 0 0 MICHELLE BLY SECRETARY 5.00 X X 0 0 0 HOLLI BALMER SECRETARY (THRU 7/21) 5.00 X X 0 0 0 TOD DICKESON DIRECTOR 5.00 X 0 0 0 JERRY CUMMINS DIRECTOR 5.00 X 0 0 0 WANDA KEEFER DIRECTOR 5.00 X 0 0 0 KYLE MORSCHEK DIRECTOR 5.00 X 0 0 0 GORDON LAURIE DIRECTOR 5.00 X 0 0 0 JAMES DAVIS DIRECTOR (THRU 5/21) 5.00 X 0 0 0 CHRIS MARTSON DIRECTOR (THRU 8/21) 5.00 X 0 0 0 4984409 0 2420029 35 0 1 0 JACK HENRY & ASSOCIATES INC 663 US-60 MONETT MO 65708 CORE PROCESSOR 2655230 COOK SECURITY GROUP 9225 NE CASCADES PARKWAY PORTLAND OR 97220 ATM/ITM/BRANCH SECURITY 1627339 Q2 SOFTWARE INC 10355 PECAN PARK BLVD STE 100 AUSTIN TX 78729 ONLINE BANKING PROVIDER 989037 VELOCITY SOLUTIONS LLC PO BOX 460939 FORT LAUDERDALE FL 33346 OUTSIDE SERVICES 916111 KENASTON CORP PO BOX 245 LEWISTON ID 83501 CONSTRUCTION LABOR 861222 60 LOAN INTEREST 522100 58399757 58399757 INTERCHANGE INCOME 522100 8536446 8536446 LOAN SERVICING INCOME 522100 6803583 6803583 DEPOSIT SERVICE CHARGES AND FEES 522100 5777050 5630510 146540 OTHER NONOPERATING 522100 3871220 3871220 3830030 3830030 87218086 274844 274844 32460 102791 -70331 -70331 -70331 87422599 87071546 146540 204513 521302 14500 9586049 6100578 20880593 2791012 2312473 1782382 241372 1851084 1876014 2008104 5226235 1775753 238363 280107 444841 2579899 241664 DEBIT CARD EXPENSES 3301253 OTHER EXPENSES 3181081 LOAN SERVICING 2674931 PROVISION FOR LOAN LOSS 1528445 961219 72399254 20580891 25304165 96098250 253870004 38293019 51407602 1343070535 1525578869 5502706 8973503 52138084 15962331 33503495 36175753 4473453 5405173 34379398 75760959 1575901747 1982476028 11431864 14182206 23715721 19532551 1430077032 1820597488 1465224617 1854312245 X 0 0 0 0 110677130 128163783 110677130 128163783 1575901747 1982476028 X 15023345 2463308 X 0 1 X 1 0 7185688 7185688 28647986 9080979 19567007 2631306 634676 1996630 12068920 6246676 5822244 1604184 1604184 36175753 457(F) LIABILITIES 3296444 MEMBERS' SHARES AND SAVINGS ACCOUNTS 1817301044 1820597488 X 87525390 0 87525390 -102791 -102791 87422599 72502045 102791 102791 72399254 0 72399254 PART X, LINE 2: THE CREDIT UNION IS EXEMPT, UNDER IRC 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE AND HAS A MINIMAL NET OPERATING LOSS CARRYFORWARD AS OF THE 2021 CALENDAR YEAR. 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, 2021. THE CREDIT UNION'S 2018 THROUGH 2020 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES MOVED FROM EXPENSES -102,791. PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES MOVED FROM EXPENSES 102,791. 1 LATAH COUNTY 4H AND FFA MARKET ANIMAL SALE INC 200 S ALMON ST SUITE 201 MOSCOW ID 83843 820505357 501(C)(3) 5500 0 UNRESTRICTED ASOTIN COUNTY FOOD BANK 1546 MAPLE ST CLARKSTON WA 99403 820388109 501(C)(3) 6000 0 UNRESTRICTED NORTHWEST CREDIT UNION FOUNDATION 18000 INTERNATIONAL BLVD SUITE 350 SEA TAC WA 98188 911649328 501(C)(3) 51075 0 UNRESTRICTED INDEPENDENT SCHOOL DISTRICT #1 3317 12TH ST LEWISTON ID 93501 826000549 CITY OF LEWISTON 47500 0 UNRESTRICTED BOYS AND GIRLS CLUB OF KOOTENAI COUNTY 915 N 15TH ST COEUR DALENE ID 83814 841635505 501(C)(3) 7500 0 UNRESTRICTED BOYS AND GIRLS CLUB OF LEWISTON 1021 BURRELL AVE LEWISTON ID 83501 826001432 501(C)(3) 103500 0 UNRESTRICTED CHILDREN'S VILLAGE FOUNDATION 1350 W HANLEY COEUR DALENE ID 83815 820385109 501(C)(3) 10797 0 UNRESTRICTED CITY OF LEWISTON PARKS AND REC PO BOX 617 LEWISTON ID 83501 016000300 501(C)(3) 8563 0 UNRESTRICTED GINA QUESENBERRY FOUNDATION PO BOX 506 LEWISTON ID 83501 204797777 501(C)(3) 6513 0 UNRESTRICTED IDAHO FOOD BANK 3331 10TH ST LEWISTON ID 83501 820425400 501(C)(3) 18040 0 UNRESTRICTED JACKSON'S PAY IT FORWARD FOUNDATION 3527 8TH STE C LEWISTON ID 83501 331139378 501(C)(3) 5747 0 UNRESTRICTED LEWIS-CLARK STATE COLLEGE (LCSC ATHLETIC DEPARTMENT) 500 8TH AVE LEWISTON ID 83501 826000935 STATE OF IDAHO 29930 0 UNRESTRICTED MUSTANG SIGNS 10379 W CLEARWATER AVE STE 110 KENNEWICK WA 99336 900863746 501(C)(3) 10957 0 UNRESTRICTED SALVATION ARMY 1220 21ST ST LEWISTON ID 83501 941156347 501(C)(3) 5500 0 UNRESTRICTED TRI-STATE HOSPITAL FOUNDATION PO BOX 636 CLARKSTON WA 99403 911307818 501(C)(3) 18083 0 UNRESTRICTED TWIN COUNTY UNITED WAY PO BOX 1660 LEWISTON ID 83501 820261086 GOVERNMENT 25500 0 UNRESTRICTED VALLEY COMMUNITY CENTER 549 5TH ST CLARKSTON WA 99403 943097598 501(C)(3) 7500 0 UNRESTRICTED 17 0 SCHOLARSHIPS 15 14500 PART I, LINE 2: THE GRANTS ARE DONATIONS TO LOCAL REPUTABLE ORGANIZATIONS, THEREFORE NONE OF THE FUNDS ARE USED OUTSIDE THE US. P1FCU HAS A SCHOLARSHIP COMMITTEE THAT INCLUDES EXECUTIVE MANAGEMENT, SENIOR LEADERSHIP AND BOARD MEMBERS. THEY DETERMINE WHICH STUDENT GETS A SCHOLARSHIP BASED ON THE APPLICATION INFORMATION RECEIVED. X X X X 0 1 0 CHRISTOPHER LOSETH PRESIDENT/CEO 1375200 0 0 0 646754 0 928604 0 74700 0 3025258 0 646754 0 CRAIG EMERSON CHIEF FINANCIAL OFFICER 334362 0 0 0 0 0 582844 0 14320 0 931526 0 0 0 PATTI MESHISHNEK EXECUTIVE VICE PRESIDENT 621748 0 0 0 0 0 133455 0 12760 0 767963 0 0 0 TROY SANDVICK CHIEF OPERATIONS OFFICER 392478 0 0 0 0 0 82296 0 15069 0 489843 0 0 0 BRENT GIFFORD CHIEF INFORMATION OFFICER 299224 0 0 0 0 0 21342 0 12794 0 333360 0 0 0 CLINTON JOHNSON VICE PRESIDENT OF DATA & ANALYTICS 184857 0 13867 0 0 0 104527 0 12794 0 316045 0 0 0 MICHAEL VOGELER CHIEF STRATEGY OFFICER 253263 0 0 0 0 0 42635 0 7334 0 303232 0 0 0 MICHAEL MOSER VP OF MORTGAGE 164735 0 12720 0 0 0 102275 0 11526 0 291256 0 0 0 ELIZABETH BARNES VICE PRESIDENT OF UNDERWRITING 148951 0 10784 0 0 0 110235 0 7550 0 277520 0 0 0 NATHANAEL NORMAN VP OF INFORMATION TECHNOLOGY 157215 0 11625 0 0 0 78707 0 7338 0 254885 0 0 0 ANDREW HEIMGARTNER CHIEF LENDING OFFICER 210446 0 0 0 0 0 30197 0 8753 0 249396 0 0 0 DAVID LUMLEY BUSINESS SALES REPRESENTATIVE 136009 0 10171 0 0 0 7286 0 10688 0 164154 0 0 0 PART I, LINE 4B SPLIT DOLLAR LIFE INSURANCE: THE CREDIT UNION HAS MADE LOANS FOR LIFE INSURANCE PREMIUM PAYMENTS TO MEMBERS OF MANAGEMENT. THE LOANS ARE COLLATERALIZED BY THE ASSIGNMENT OF THE POLICY DEATH BENEFITS AND CASH VALUES, OF EACH RESPECTIVE LIFE INSURANCE POLICY. THE POLICIES ARE OWNED BY THE EXECUTIVES AND THE EXECUTIVES HAVE THE RIGHT TO NAME THE BENEFICIARIES FOR AMOUNTS NOT SECURED BY THE ASSIGNMENTS. THE LOAN ARRANGEMENTS INCLUDE A RECOURSE PROVISION WHEREBY THE EXECUTIVE, THEIR ESTATE, HEIRS, OR BENEFICIARIES SHALL PAY ANY REMAINING OUTSTANDING BALANCE ON THESE PLANS IF THE EXECUTIVE WERE TO BE TERMINATED WITH OR WITHOUT CAUSE. 457(F) PLAN: THE CREDIT UNION HAS A NONQUALIFIED DEFERRED COMPENSATION PLAN (457(F) PLAN) FOR SELECT MEMBERS OF MANAGEMENT. UNDER THE TERMS OF THE PLANS, THE PARTICIPANTS ARE ENTITLED PRE-DETERMINED AMOUNTS BASED ON YEARS OF SERVICE ACHIEVEMENTS. THE FOLLOWING EMPLOYEES RECEIVED CONTRIBUTIONS TO THE 457(F) PLAN DURING 2021: CHRISTOPHER LOSETH - $652,939 CRAIG EMERSON - $407,496 CLINTON JOHNSON - $56,928 NATHANAEL NORMAN - $45,339 THE FOLLOWING EMPLOYEES RECEIVED DISTRIBUTIONS FROM THE 457(F) PLAN DURING 2021: CHRISTOPHER LOSETH - $646,754 CHRIS LOSETH PRESIDENT/CEO SPLIT DOLLAR LOAN X 22843867 23810068 0 1 1 PATTI MESHISHNEK EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LOAN X 9450000 10144963 0 1 1 TROY SANDVICK CHIEF OPERATIONS OFFICER SPLIT DOLLAR LOAN X 3475000 3707483 0 1 1 MICHAEL VOGELER CHIEF STRATEGY OFFICER SPLIT DOLLAR LOAN X 1550000 1646374 0 1 1 BRENT GIFFORD CHIEF INFORMATION OFFICER SPLIT DOLLAR LOAN X 8000000 7260730 0 1 1 ANDREW HEIMGARTNER CHIEF LENDING OFFICER SPLIT DOLLAR LOAN X 2350000 2357605 0 1 1 CHERI SCHAAFS BRANCH MANAGER SPLIT DOLLAR LOAN X 2475000 2480379 0 1 1 51407602 FORM 990, PART VI, SECTION A, LINE 1A THE BOARD MAY APPOINT AN EXECUTIVE COMMITTEE OF NOT FEWER THAN THREE DIRECTORS TO SERVE AT ITS PLEASURE, TO ACT FOR IT WITH RESPECT TO SPECIFICALLY DELEGATED FUNCTIONS AUTHORIZED BY THE ACT AND REGULATIONS. THE BOARD MAY ALSO AUTHORIZE SUCH EXECUTIVE COMMITTEE OR A MEMBERSHIP OFFICER(S) APPOINTED BY THE BOARD FROM THE MEMBERSHIP OTHER THAN A BOARD MEMBER PAID AS AN OFFICER, THE TREASURER, ANY ASSISTANT TO THE PAID OFFICER OF THE BOARD OR TO THE TREASURER OR ANY LOAN OFFICER, TO SERVE AT ITS PLEASURE TO APPROVE APPLICATIONS FOR MEMBERSHIP UNDER SUCH CONDITIONS AS THE BOARD AND THESE BYLAWS MAY PRESCRIBE. NO EXECUTIVE COMMITTEE MEMBER OR MEMBERSHIP OFFICER MAY BE COMPENSATED AS SUCH. FORM 990, PART VI, SECTION A, LINE 4 THE GOVERNING DOCUMENTS WERE AMENDED DURING CALENDAR 2021 TO REFLECT THE ACQUISITION OF MOUNTAIN GEM CREDIT UNION AS OF JULY 31, 2021. FORM 990, PART VI, SECTION A, LINE 6 PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S ARTICLES OF INCORPORATION, CHARTER, AND BYLAWS. THIS GENERALLY CONSISTS OF THE FOLLOWING: IDAHO MEMBERSHIP ALL EMPLOYEES, EMPLOYERS, STUDENTS, AND RETIREES OF AGRICULTURE, FORESTRY, FISHING AND HUNTING, MINING, UTILITIES, CONSTRUCTION, MANUFACTURING, WHOLESALE TRADE, RETAIL TRADE, TRANSPORTATION AND WAREHOUSING, INFORMATION, FINANCE AND INSURANCE, REAL ESTATE AND RENTAL AND LEASING, PROFESSIONAL, SCIENTIFIC AND TECHNICAL SERVICES, MANAGEMENT OF COMPANIES AND ENTERPRISES, ADMINISTRATIVE AND SUPPORT AND WASTE MANAGEMENT AND REMEDIATION SERVICES, EDUCATIONAL SERVICES, HEALTH CARE AND SOCIAL ASSISTANCE, ARTS, ENTERTAINMENT, AND RECREATION, ACCOMMODATIONS AND FOOD SERVICES, OTHER SERVICES, AND PUBLIC ADMINISTRATION AS DEFINED IN THE NORTH AMERICAN INDUSTRY CLASSIFICATION SYSTEM WHO RESIDE IN, WORK IN, ARE HEADQUARTERED IN OR ARE PAID FROM ADAMS, BENEWAH, BONNER, BOUNDARY, CLEARWATER, GEM, IDAHO, KOOTENAI, LATAH, LEWIS, NEZ PERCE, PAYETTE, SHOSHONE, WASHINGTON, AND VALLEY COUNTIES. OREGON MEMBERSHIP PERSONS WHO LIVE OR WORK IN OR ORGANIZATIONS LOCATED WITHIN THE COMMUNITY IN OREGON CONSISTING OF BAKER, GRANT, HARNEY, MALHEUR, MORROW, UMATILLA, UNION AND WALLOWA COUNTIES, OREGON. WASHINGTON MEMBERSHIP NATURAL PERSONS WHO LIVE, WORK, WORSHIP, OR GO TO SCHOOL IN THE STATE OF WASHINGTON. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM AND THEIR SPOUSES MAY BE MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF P1FCU DOES AN ANNUAL VOTE TO ELECT BOARD MEMBERS TO THE BOARD. THOSE BOARD CANDIDATES ARE SELECTED BY THE CURRENT BOARD OR BY VOLUNTEERS VIA NEWSLETTER. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF P1FCU ARE REQUIRED TO VOTE ON MATTERS SUCH AS A CHARTER CHANGE OR A POSSIBLE MERGER. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. THE BOARD OF DIRECTORS DOES NOT RECEIVE A COPY OF THE RETURN PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION HAS AN EMPLOYEE HANDBOOK THAT INCLUDES THE CONFLICT OF INTEREST POLICY THAT IS REQUIRED TO BE SIGNED ANNUALLY BY ALL EMPLOYEES. THE CONFLICT OF INTEREST POLICY IS ALSO APPLICABLE TO BOARD MEMBERS. THE CEO MONITORS THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND HR MONITORS THE POLICY FOR EMPLOYEES. THE BOARD MEMBER WOULD ABSTAIN FROM THE VOTE IF THERE WAS A CONFLICT OF INTEREST IDENTIFIED. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION IS REVIEWED ANNUALLY BASED ON A PERFORMANCE EVALUATION ON THE ANNIVERSARY DATE OF THE OFFICER OR EMPLOYEE. THE CEO'S COMPENSATION IS DETERMINED BASED UPON A COMPENSATION COMMITTEE THAT USES A COMPENSATION SURVEY OR STUDY BY AN INDEPENDENT COMPENSATION CONSULTANT. THE CEO'S COMPENSATION DISCUSSIONS ARE DOCUMENTED IN THE BOARD MINUTES. THIS WAS LAST COMPLETED IN 2021. THE COMPENSATION FOR EMPLOYEES AND OTHER OFFICERS BESIDES THE CEO IS REVIEWED AND BASED ON COMPARABLE DATA AND CUNA'S CREDIT UNION COMPENSATION STUDY. THIS PROCESS IS OVERSEEN BY HR AND IS DOCUMENTED IN THE EMPLOYEES PERSONNEL FILE. THIS WAS LAST COMPLETED IN 2021. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE AT ITS ANNUAL MEETING AND UPON REQUEST. FORM 990, PART XI, LINE 9: CHANGE IN DEFINED BENFIT PLAN 1,865,089. EQUITY ACQUIRED BY ACQUISITION 598,219.