2025-08-04T12:44:54-05:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4045751817 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 4045751817 2025-08-02 0 AUBREY CLEGG P01076395 3052328272 2025-07-31 2024 2025-03-06 01:10:19Z DAVID A PRETER 100 PEACHTREE ST NW 2800 ATLANTA GA 30303 581948158 0 X WWW.GEORGIASOWN.ORG X 1943 GA BANKING ON PURPOSE. 11 9 701 0 592626 0 0 0 270753630 258408072 20152736 26212764 0 0 290906366 284620836 426596 283761 0 0 84345755 81860259 0 0 0 192001613 216671246 276773964 298815266 14132402 -14194430 4282369899 4185511517 3939479105 3847785952 342890794 337725565 BANKING ON PURPOSE. 0 0 PROVIDED THRIFT SAVINGS / BORROWINGS TO 240,428 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 1 1 1 1 0 1 51037 0 1 701 1 1 1 0 0 0 0 0 1 0 X 11 9 0 0 0 0 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 51404 0 0 DAVID DICKEY DIRECTOR- VICE CHAIRPERSON 1.00 X 39490 0 0 JOAN K SIMS DIRECTOR- SECRETARY 1.00 X 36490 0 0 PATRICK H CASEY DIRECTOR- TREASURER 1.00 X 36490 0 0 MICHAEL W BAUMGARTNER DIRECTOR 1.00 X 36490 0 0 WILLIAM E CONINE DIRECTOR 1.00 X 36490 0 0 JAMES L FOWLER DIRECTOR 1.00 X 36490 0 0 GARY M LUDGOOD DIRECTOR 1.00 X 39490 0 0 THOMAS H POLLOCK DIRECTOR 1.00 X 36300 0 0 ERVIN M WALKER DIRECTOR 1.00 X 40679 0 0 GEORGE REYNOLDS DIRECTOR 1.00 X 36578 0 0 DAVID A PRETER DIRECTOR/CEO 40.00 X X 1338747 0 74750 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 40.00 X 576611 0 52071 KELLEY GARMON EVP, CHIEF RETAIL OFFICER 40.00 X 2236875 0 74295 BARRY HEAPE PRESIDENT MARKET DEVELOPME 40.00 X 1389329 0 60010 ERIC BROOME EVP, CHIEF OPERATIONS OFFI 40.00 X 862264 0 327473 MICHAEL SIMS SVP, MARKET EXECUTIVE, SBA 40.00 X 796418 0 306752 JOHN CAREW CHIEF STRATEGY OFFICER 40.00 X 613408 0 79144 CINDY BOYLES CHIEF TALENT & ADMINISTRAT 40.00 X 533968 0 69447 MATTHEW HAVICE CHIEF RISK OFFICER & GENER 40.00 X 509715 0 177593 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER 40.00 X 496501 0 146518 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWE 40.00 X 752212 0 32662 RODNEY COWAN SVP, HUMAN RESOURCES 40.00 X 580634 0 41738 SANJAY MALHOTRA REGIONAL PRESIDENT, ATLANTA REGION 40.00 X 527590 0 262295 CASSY FERRELL SVP, TREASURY OPERATIONS 40.00 X 424368 0 167397 TERESA MARTIN SVP, ACCOUNTING 40.00 X 330740 0 58889 12395771 0 1931034 161 0 1 0 FISERV SOLUTIONS INC P O BOX 933193 ATLANTA GA 311933193 FINANCIAL TECHNOLOGY SERVICES 4720350 100 PEACHTREE PROPERTY LLC P O BOX 6721 CAROL STREAM IL 601976721 CORPORATE OFFICE RENT 2950328 ENGAGE FI LLC 5500 W EXECUTIVE DR STE 540 TAMPA FL 33609 GENERAL CONSULTING SERVICES 2720287 ALKAMI TECHNOLOGY INC 5601 GRANITE PKWY SUITE 120 PLANO TX 75024 DIGITAL BANKING SOLUTIONS 2113675 KING & SPALDING LLP 1180 PEACHTREE ST NE STE 1600 ATLANTA GA 30309 LEGAL SERVICES 1429122 90 INTEREST ON LOANS 522100 196844027 196844027 OTHER INCOME 522100 38800991 38800991 FEE INCOME 522100 22170428 22170428 FINANCE & INSURANCE 520000 492626 492626 PROFESSIONAL SCIENTIFIC AND TECHN 540000 100000 100000 258408072 24194157 24194157 299345929 297327322 2018607 2018607 2018607 284620836 259834053 592626 24194157 X 283761 10680802 51943566 3046800 11543051 4646040 3887179 299724 4941005 21921340 8018124 1370999 78046070 5201919 PROVISION FOR LOAN LOSS 58612761 LOAN SERVICING EXPENSE 12714235 MISCELLANEOUS OPERATING 12523955 PROFESSIONAL AND OUTSID 8802057 331878 298815266 35164021 33930775 269586706 195305875 43722719 60185062 33976490 35115575 3177044272 3187144204 9027955 8891289 111459797 45505992 68122350 65953805 399275308 355502023 34517036 33133853 83048722 78912813 128884320 131436243 4282369899 4185511517 86108117 83250180 352064096 150829000 50000000 50000000 3451306892 3563706772 3939479105 3847785952 X 0 0 0 0 342890794 337725565 342890794 337725565 4282369899 4185511517 -14194430 9029201 0 X X 0 1 X 1 0 19490026 19490026 34524426 6828766 27695660 8060914 5005628 3055286 49046985 33478826 15568159 337446 192772 144674 65953805 REGULAR SHARE ACCOUNTS 1015189854 SHARE DRAFT ACCOUNTS 971677295 MONEY MARKET ACCOUNTS 507005284 INDIVIDUAL RETIREMENT ACCOUNTS 19294873 SHARE AND IRA CERTIFICATES 1050539466 3563706772 X 284620836 0 284620836 0 284620836 298815266 0 298815266 0 298815266 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. 1 GEORGIA'S OWN FOUNDATION INC 100 PEACHTREE ST NW SUITE 2800 ATLANTA GA 30303 474818845 501(C)(3) 60000 5450 FMV TO ASSIST THE FOUNDATION IN IMPLEMENTING GEORGIA'S OWN CREDIT UNION'S "PEOPLE HELPING PEOPLE" PHILOSOPHY BY RAISING FUNDS AND SUPPORTING PROGRAMS THAT HELP PEOPLE GET AHEAD, GET INVOLVED, AND OWN THEIR FUTURE. AUGUSTA UNIVERSITY FOUNDATION 1120 15TH STREET AD-1104 AUGUSTA GA 30912 586038134 501(C)(3) 31877 0 TO ASSIST THE FOUNDATION IN ITS SOLE PURPOSE OF ADVANCING THE MISSION OF AUGUSTA UNIVERSITY AND ITS LONG-TERM ACADEMIC PRIORITIES. JUNIOR ACHIEVEMENT OF GEORGIA 275 NORTHSIDE DR NW ATLANTA GA 30314 580598050 501(C)(3) 25000 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO INSPIRE AND PREPARE YOUNG PEOPLE TO SUCCEED IN A GLOBAL ECONOMY. SLEEP IN HEAVENLY PEACE INC 669 W QUINN RD BLDG 42 POCATELLO ID 83202 464346568 501(C)(3) 22500 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO DELIVER BEDS TO CHILDREN IN NEED BECAUSE ALL CHILDREN DESERVE A SAFE, COMFORTABLE PLACE TO LAY THEIR HEADS. SHEPHERD CENTER FOUNDATION INC 2020 PEACHTREE ROAD ATLANTA GA 30309 201238224 501(C)(3) 12500 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO HELP PEOPLE WITH TEMPORARY OR PERMANENT DISABILITIES REBUILD THEIR LIVES. TRIQUEST CHRISTIAN ACADEMY PO BOX 181 MABLETON GA 30126 871548001 501(C)(3) 10000 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO OFFERING AFFORDABLE, EXCEPTIONAL EDUCATION WITH SMALL CLASS SIZES FOR ELEMENTARY STUDENTS IN COBB COUNTY, GEORGIA. CHATTAHOOCHEE TECH FOUNDATION 980 SOUTH COBB DRIVE BUILDING A - MARIETTA CAMPUS MARIETTA GA 30060 581684206 501(C)(3) 10000 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO PROVIDE FINANCIAL SUPPORT TO THE CHATTAHOOCHEE TECH COLLEGE, ITS STUDENTS, AND ITS PROGRAMS. WARE COUNTY TOUCHDOWN CLUB PO BOX 1776 WAYCROSS GA 31502 272222368 501(C)(3) 10000 0 TO ASSIST THE ORGANIZATION IN ITS MISSION SOUTHEASTERN CREDIT UNION FOUNDATION 3692 COOLIDGE CT TALLAHASSEE FL 32311 592252733 501(C)(3) 10000 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO ENRICH CREDIT UNIONS AND THE LIVES OF THEIR EMPLOYEES AND MEMBERS AND BE THE PHILANTHROPIC PARTNER FOR CREDIT UNIONS. TREES ATLANTA 825 WARNER ST SW STE A ATLANTA GA 30310 581584758 501(C)(3) 7261 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO PROTECT AND IMPROVE ATLANTA'S URBAN FOREST BY PLANTING, CONSERVING, AND EDUCATING. THE BRIAN JORDAN FOUNDATION 320 CHASON WOOD WAY ROSWELL GA 30076 522091069 501(C)(3) 6667 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO CREATING AND SUPPORTING PROGRAMS FOR CHILDREN AND THEIR FAMILIES THAT WILL DIRECTLY IMPROVE THEIR QUALITY OF LIFE. KING'S RIDGE CHRISTIAN SCHOOL ATTN JAIME DEARTH ONE ASSOC 2765 BETHANY BEND RD ALPHARETTA GA 30004 582600863 501(C)(3) 6500 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO PROVIDING A COLLEGE PREPARATORY EDUCATION EQUIPPING STUDENTS TO KNOW, BELIEVE, AND SERVE. LIVESAFE RESOURCES INC 48 HENDERSON STREET SW MARIETTA GA 30064 580617782 501(C)(3) 6000 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO WORK WITH WOMEN, MEN AND CHILDREN REGARDLESS OF SEXUAL ORIENTATION, GENDER, RELIGION, RACE, OR ETHNICITY WHO HAVE BEEN AFFECTED BY DOMESTIC VIOLENCE, SEXUAL ASSAULT OR ELDER ABUSE. 13 0 PART I, LINE 2: THESE ARE CHARITABLE CONTRIBUTIONS, NOT GRANTS. THERE IS NO SUBSEQUENT MONITORING BY THE CREDIT UNION. X X X X 0 1 X X X X X 1 1 0 KELLEY GARMON EVP, CHIEF RETAIL OFFICER 402757 0 182634 0 1651484 0 28891 0 45404 0 2311170 0 46237 0 BARRY HEAPE PRESIDENT MARKET DEVELOPME 397076 0 160493 0 831760 0 26095 0 33915 0 1449339 0 31846 0 DAVID A PRETER DIRECTOR/CEO 900181 0 407920 0 30646 0 30955 0 43795 0 1413497 0 72206 0 ERIC BROOME EVP, CHIEF OPERATIONS OFFI 474679 0 370077 0 17508 0 302973 0 24500 0 1189737 0 24818 0 MICHAEL SIMS SVP, MARKET EXECUTIVE, SBA 357309 0 434448 0 4661 0 267179 0 39573 0 1103170 0 175000 0 SANJAY MALHOTRA REGIONAL PRESIDENT, ATLANTA REGION 241466 0 68284 0 217840 0 241952 0 20343 0 789885 0 13104 0 ROBERT YOUNGBLOOD REGIONAL PRESIDENT SOUTHWE 279032 0 71201 0 401979 0 27327 0 5335 0 784874 0 12568 0 JOHN CAREW CHIEF STRATEGY OFFICER 414621 0 192310 0 6477 0 28974 0 50170 0 692552 0 26861 0 MATTHEW HAVICE CHIEF RISK OFFICER & GENER 373189 0 128771 0 7755 0 141224 0 36369 0 687308 0 21866 0 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER 358069 0 133970 0 4462 0 110162 0 36356 0 643019 0 18905 0 CHRISTIN HEWITT CHIEF FINANCIAL OFFICER 418577 0 151240 0 6794 0 29982 0 22089 0 628682 0 28172 0 RODNEY COWAN SVP, HUMAN RESOURCES 110402 0 85385 0 384847 0 20377 0 21361 0 622372 0 18151 0 CINDY BOYLES CHIEF TALENT & ADMINISTRAT 350777 0 165389 0 17802 0 29782 0 39665 0 603415 0 21567 0 CASSY FERRELL SVP, TREASURY OPERATIONS 280366 0 141233 0 2769 0 146264 0 21133 0 591765 0 0 0 TERESA MARTIN SVP, ACCOUNTING 252254 0 77244 0 1242 0 25981 0 32908 0 389629 0 10251 0 PART I, LINE 1B THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING FIRST-CLASS TRAVEL, COMPANION TRAVEL, OR HEALTH/SOCIAL CLUB DUES PAID. HOWEVER, HEALTH/SOCIAL CLUB 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 PLANS IF CONTRACTUALLY REQUIRED BY THOSE PLANS. PART I, LINES 4A-B KELLEY GARMON: $ 1,586,600 (2024 PAYOUT) SANJAY MALHOTRA: $ 215,875 (2024 PAYOUT) RODNEY COWAN: $ 383,775 (2024 PAYOUT) THE FOLLOWING INDIVIDUALS PARTICIPATED IN 457F PLAN IN 2024: ERIC BROOME: $ 53,218 (2024 ACCRUAL) MATTHEW HAVICE: $ 111,382 (2024 ACCRUAL) KEVAN WILLIAMSON: $ 87,258 (2024 ACCRUAL) MIKE SIMS: $ 247,279 (2024 PAYOUT) BARRY HEAPE: $ 678,610 (2024 PAYOUT) ROBERT YOUNGBLOOD: $ 339,305 (2024 PAYOUT) CASSY FERRELL: $ 125,865 (2024 ACCRUAL) THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO CURRENT AND FORMER MEMBERS OF THE EXECUTIVE MANAGMENT TEAM INCLUDING DAVID PRETER, KELLEY GARMON, MATT HAVICE, CHRISTIN HEWITT, KEVAN 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 7983784 0 1 1 WILLIAM LUSK FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 1461154 1970097 0 1 1 KELLEY GARMON EVP & CHIEF RETAIL OFFICER SPLIT DOLLAR LIFE INSURANCE X 5344815 6057337 0 1 1 GREG GIBSON FORMER CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 2900000 2925194 0 1 1 MATT HAVICE CHIEF RISK OFFICER & GENERAL COUNSEL SPLIT DOLLAR LIFE INSURANCE X 450000 451891 0 1 1 CHRISTIAN HEWITT CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE X 3600000 3624100 0 1 1 KEVAN WILLIAMSON CHIEF TECHNOLOGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 450000 453861 0 1 1 CINDY BOYLES CHIEF ADMINISTRATIVE & TALENT OFFICER SPLIT DOLLAR LIFE INSURANCE X 5150000 5185938 0 1 1 JOHN CAREW CHIEF STRATEGY OFFICER SPLIT DOLLAR LIFE INSURANCE X 2550000 2361453 0 1 1 ERIC BROOME EVP & CHIEF OPERATIONS OFFICER SPLIT DOLLAR LIFE INSURANCE X 2650000 2666224 0 1 1 BARRY HEAPE PRESIDENT MARKET DEVELOPMENT SPLIT DOLLAR LIFE INSURANCE X 1435696 1435696 0 1 1 35115575 DAVID DICKEY DIRECTOR 325000 CREDIT UNION BOARD MEMBER, DAVID DICKEY, IS RELATED TO DICKEY BROADCASTING (BOARD MEMBER). THE CREDIT UNION CONDUCTS MARKETING, ADVERTISING AND BRANDING BUSINESS WITH THIS ENTITY. 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 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 THE FORM 990 IS REVIEWED BY BOTH THE CREDIT UNION'S CFO AND SVP|ACCOUNTING AFTER BEING PREPARED BY THE CPA FIRM AND BEFORE FILING. THE SECTIONS RELATED TO HUMAN RESOURCES OR THE BOARD ARE REVIEWED WITH THE COMPENSATION COMMITTEE AFTER FILING. 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 MANAGEMENT DISCLOSE 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 CHIEF OF STAFF, THEN RECOMMENDED TO AND SUBSEQUENTLY APPROVED BY THE COMPENSATION COMMITTEE AND BOARD OF DIRECTORS IF REQUIRED BY THE COMPENSATION COMMITTEE CHARTER. DATA FOR SVP ROLES WAS REVIEWED BY THE CEO AND CHIEF OF STAFF. 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 331,878. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. CUSO HOLDING COMPANY LLC 100 PEACHTREE STREET NW STE 2800 ATLANTA GA 30303 883221966 HOLDING COMPANY GA 121954 30060812 GEORGIA'S OWN CREDIT UNION 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 INC B 65450 ACTUAL GEORGIA'S OWN FOUNDATION INC Q 214175 ACTUAL INVOICE GEORGIA'S OWN FOUNDATION INC O 214175 FMV OF DONATED LABOR