2020-11-10T16:12:35-06:00 2019-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2019-01-01 941242831 TRAVIS CREDIT UNION TRAV 7074691671 PO BOX 2069 VACAVILLE CA 95696 BARRY NELSON CEO 7074691671 2020-11-02 1 VALENTINO CREUS CPA P01054153 8189549700 108.95.190.209 2020-11-02 13:16:39 PS P 51B4B5CFB1B846EAB386B60D7B8B620F9BAA1806 048EE652F0479155537D3ADFC76134B616B923FF 2019 2021-04-22 16:20:28Z BARRY NELSON PO BOX 2069 VACAVILLE CA 95696 180779315 0 X WWW.TRAVISCU.ORG X CREDIT UNION 1951 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 886 12 361498 0 500000 700000 147709539 159679331 11796389 13415854 36540 6984130 160042468 180779315 89000 124924 0 0 53812439 60240499 0 0 0 79588678 89986242 133490117 150351665 26552351 30427650 3121393060 3365005976 2762454084 2970088029 358938976 394917947 X A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, TRAVIS CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 TRAVIS CREDIT UNION PROVIDES A VARIETY OF LOANS INCLUDING AUTO, MORTGAGES, CREDIT CARD, SMALL BUSINESS AND UNSECURED AT COMPETITIVE RATES FOR OUR MEMBERSHIP, THEREBY, ASSISTING THEM MANAGE THEIR FINANCIAL HEALTH AND GROWTH IN THE FUTURE. TRAVIS CREDIT UNION PROVIDES A VARIETY OF SAVINGS ACCOUNTS INCLUDING SAVINGS, DEMAND, MONEY MARKET, CERTIFICATES AND INVESTMENTS AT COMPETITIVE RATES FOR OUR MEMBERSHIP, THEREBY, ASSISTING THEM MANAGE THEIR FINANCIAL HEALTH AND GROWTH IN THE FUTURE. TRAVIS CREDIT UNION PROVIDES FINANCIAL SERVICES TO OUR MEMBERSHIP WHICH ARE SMALL BUSINESS OWNERS DEVELOPING THEIR OWN BUSINESSES IN THE COMMUNITY. THESE MEMBERS PROVIDE VALUED SERVICES AND EMPLOYMENT TO OUR COMMUNITY MEMBERS THEREBY PROVIDING FUTURE GROWTH AND A STRONGER QUALITY OF LIFE. 0 1 1 0 0 0 0 0 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 1 0 0 0 0 0 0 0 1 0 0 1 121647 0 1 886 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X MARTIN FLEISCHER CPACONTROLLER 7074691671 PO BOX 2069 VACAVILLE CA 95696 PAT MORENO BOARD CHAIRPERSON 1.00 X 882 0 0 DEBBIE ASPLING BOARD VICE CHAIRPERSON 1.00 X 0 0 0 MARY COBURN SECRETARY 1.00 X 0 0 0 THOMAS KULINSKI TREASURER 1.00 X 1085 0 0 DEE ALARCON BOARD MEMBER 1.00 X 2633 0 0 LEONARD AUGUSTINE BOARD MEMBER 1.00 X 0 0 0 CURT NEWLAND BOARD MEMBER 1.00 X 1843 0 0 OSCAR DOMINGUEZ BOARD MEMBER 1.00 X 0 0 0 DOUGLAS BEAUMONT BOARD MEMBER 1.00 X 0 0 0 ARTURO REYES SUPV CMTE CHAIRPERSON 1.00 X 0 0 0 TIMOTHY TRUESDALE SUPV CMTE MEMBER 1.00 X 2355 0 0 JOHANNA BENKER SUPV CMTE MEMBER 1.00 X 1983 0 0 BARRY NELSON CEO/PRESIDENT 40.00 X 698829 0 1970870 IVAN JONES SVP/CFO 40.00 X 373954 0 368176 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 40.00 X 379704 0 935801 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES OFFICER 40.00 X 274888 0 581717 STACY FIFIELD SVP, SPECIAL PROJECTS 40.00 X 272877 0 623046 CRAIG BEAUDRY SVP/CHIEF INFORMATION OFFICER 40.00 X 264537 0 257552 FABIO R BIASELLA SVP/CHIEF MARKETING OFFICER 40.00 X 255383 0 91503 MICHELLE S PETERSON SVP/MEMBER EXPERIENCE, CHIEF RETAIL OFFICER 40.00 X 226323 0 96698 TERESA SHAFER SVP/CHIEF HUMAN RESOURCES OFFICER 40.00 X 208446 0 23199 GLORIA NUNEZ VP CENTRAL OPERATIONS 40.00 X 218525 0 21663 JOHN N CALADIM VP FINANCE 40.00 X 211208 0 19721 MICHAEL S GRADL VP WEALTH MANAGEMENT AND INSURANCE SERVICES 40.00 X 201854 0 20940 MARIE A KEEN VP DIGITAL & CONTACT CENTER CHANNEL DELIVERY 40.00 X 197701 0 29920 MARK VINELLA VP COMPLIANCE & RISK MANAGEMENT 40.00 X 196703 0 20736 SCOTT A NICHOLS VP INFORMATION SERVICES 40.00 X 185474 0 34874 KARUNA FRANCINE BOARDS AVP BUSINESS SERVICES 40.00 X 158817 0 9493 CYNTHIA MCGUIRE VP CONSUMER LENDING 40.00 X 156486 0 34355 DELANNIA G CALDWELL VP TALENT MANAGEMENT 40.00 X 152489 0 26041 RICHARD E LLOYD AVP INFORMATION SECURITY 40.00 X 152220 0 19443 THOMAS CORIO AVP INTERNAL AUDIT 40.00 X 152176 0 35444 ARIC N KOSHIYAMA WEALTH ADVISOR 40.00 X 326390 0 21449 BENJAMIN BOTE EXTERNAL LOAN OFFICER-REAL ESTATE 40.00 X 282745 0 18929 JOSEPH VITULLO EXTERNAL LOAN OFFICER-REAL ESTATE 40.00 X 263379 0 25801 MICHAEL J WHITE FINANCIAL CONSULTANT 40.00 X 236663 0 23864 ELIZABETH A FULLER EXTERNAL LOAN OFFICER-REAL ESTATE 40.00 X 220977 0 6947 6279529 0 5318182 77 0 1 0 FISERV INC 525 ALMANOR AVE SUNNYVALE CA 94085 ONLINE BANKING SERVICES 2872142 DIEBOLD INC 1455 MARKET ST SAN FRANCISCO CA 94103 SECURITY SERVICES 2392909 SMART SOURCE LLC 26001 PALA MISSION VIEJO CA 92691 MEMBER STATEMENT PREP 1862811 SALESFORCE 1442 2ND ST SANTA MONICA CA 90401 SOFTWARE SERVICES 1758281 PACIFIC CREDIT SERVICES PO BOX 150 FAIRFIELD CA 94533 CREDIT SERVICES 874650 60 700000 700000 INTEREST ON LOANS 522100 122571213 122571213 OTHER OPERATING INCOME 522100 25985140 25953014 32126 FEE INCOME 522100 11122978 10793606 329372 159679331 13415854 13415854 OTHER NON-OPERATING IN 522100 6984130 6984130 6984130 180779315 179717817 361498 0 69924 55000 6279529 42527922 1449033 6404995 3579020 171065 159958 904683 3011800 14712320 7501204 4230945 1088414 18941570 3655743 356004 PROV. FOR LOAN LOSSES 25204697 LOAN SERVICING EXPENSE 8764267 MISC OPERATING EXPENSES 949919 OPERATING FEES 313605 20048 150351665 29347655 31914065 171684099 244794077 4288992 4756658 4015276 7800861 81504552 38334237 42584015 43170315 441723028 282482075 2355887665 2642035873 71862330 108052052 3121393060 3365005976 34410310 39970990 2728043774 2930117039 2762454084 2970088029 X 0 0 0 0 358938976 394917947 358938976 394917947 3121393060 3365005976 30427650 5551321 0 X X 0 1 X 1 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 4000 4000 4000 1 CCUL-PAC 1201 K STREET SUITE 1050 SACRAMENTO CA 95814 940357265 4000 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 6352246 6352246 37174294 15579849 21594445 7322396 6150007 1172389 30655616 16604381 14051235 43170315 ALL OTHER INVESTMENTS 10775700 F LOANS HELD FOR SALE 2179096 F LOANS & LEASES 2604650948 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 24430129 C 2642035873 MEMBER SHARES & DEPOSITS 2930117039 2930117039 X 181417857 638542 638542 180779315 0 180779315 150990209 638544 638544 150351665 0 150351665 PART X, LINE 2: 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, 2019 AND 2018. PART XI, LINE 2D - OTHER ADJUSTMENTS: RECLASSIFICATION BETWEEN REVENUE AND EXPENSE 638,542. PART XII, LINE 2D - OTHER ADJUSTMENTS: RECLASSIFICATION BETWEEN REVENUE AND EXPENSE 638,544. 1 CHILDREN'S MIRACLE NETWORK HOSPITALS 2855 EAST GUASTI RD STE 600 ONTARIO CA 91761 870387205 501(C)(3) 21000 FMV RAISE FUNDS FOR CHILDREN'S HOSPITALS, MEDICAL RESEARCH, AND COMMUNITY AWARENESS OF CHILDREN'S HEALTH ISSUES TRAVIS FISHER HOUSE 540 AIRLIFT CIRCLE BLDG 381 TRAVIS AIR FORCE BASE CA 94535 680038761 501(C)(3) 10000 FMV PROVIDE HOUSING FOR FAMILIES OF LONG TERM PATIENTS NATIONAL CREDIT UNION FOUNDATION INC 5710 MINERAL POINT RD MADISON WI 53705 391383650 501(C)(3) 5000 FMV SUPPORT PREVENTION OF WILD FIRES LEAVEN PROGRAM 2220 BOYNTON AVE STE A FAIRFIELD CA 94533 263653717 501(C)(3) 15000 FMV TO PROVIDE AN EDUCATIONAL AND SPIRITUAL BRIDGE FOR CHILDREN STRIVING TO RESTORE HOPE IN THEMSELVES AND THEIR FUTURE WHILE ACHIEVING ECONOMIC STABILITY. 4 0 SCHOLARSHIPS 23 55000 FMV X 1 1 X X X X 1 1 0 BARRY NELSON CEO/PRESIDENT 617994 0 66975 0 13860 0 1943027 0 27843 0 2669699 0 0 0 IVAN JONES SVP/CFO 341836 0 25022 0 7096 0 365763 0 2413 0 742130 0 0 0 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 341712 0 29309 0 8683 0 920625 0 15176 0 1315505 0 0 0 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES OFFICER 245749 0 20010 0 9129 0 565200 0 16517 0 856605 0 0 0 STACY FIFIELD SVP, SPECIAL PROJECTS 245352 0 18306 0 9219 0 621669 0 1377 0 895923 0 0 0 CRAIG BEAUDRY SVP/CHIEF INFORMATION OFFICER 223236 0 17070 0 24231 0 230474 0 27078 0 522089 0 0 0 FABIO R BIASELLA SVP/CHIEF MARKETING OFFICER 213496 0 35000 0 6887 0 89619 0 1884 0 346886 0 0 0 MICHELLE S PETERSON SVP/MEMBER EXPERIENCE, CHIEF RETAIL 217306 0 0 0 9017 0 83650 0 13048 0 323021 0 0 0 TERESA SHAFER SVP/CHIEF HUMAN RESOURCES OFFICER 187363 0 11714 0 9369 0 18498 0 4701 0 231645 0 0 0 GLORIA NUNEZ VP CENTRAL OPERATIONS 196747 0 12763 0 9015 0 19532 0 2131 0 240188 0 0 0 JOHN N CALADIM VP FINANCE 191846 0 12207 0 7155 0 10250 0 9471 0 230929 0 0 0 MICHAEL S GRADL VP WEALTH MANAGEMENT AND INSURANCE S 186643 0 7108 0 8103 0 18738 0 2202 0 222794 0 0 0 MARIE A KEEN VP DIGITAL & CONTACT CENTER CHANNEL 185931 0 3655 0 8115 0 18285 0 11635 0 227621 0 0 0 MARK VINELLA VP COMPLIANCE & RISK MANAGEMENT 177451 0 11180 0 8072 0 18494 0 2242 0 217439 0 0 0 SCOTT A NICHOLS VP INFORMATION SERVICES 177378 0 1330 0 6766 0 18072 0 16802 0 220348 0 0 0 KARUNA FRANCINE BOARDS AVP BUSINESS SERVICES 154247 0 2792 0 1778 0 7587 0 1906 0 168310 0 0 0 CYNTHIA MCGUIRE VP CONSUMER LENDING 140304 0 5921 0 10261 0 16926 0 17429 0 190841 0 0 0 DELANNIA G CALDWELL VP TALENT MANAGEMENT 145323 0 6249 0 917 0 16651 0 9390 0 178530 0 0 0 RICHARD E LLOYD AVP INFORMATION SECURITY 151412 0 0 0 808 0 16631 0 2812 0 171663 0 0 0 THOMAS CORIO AVP INTERNAL AUDIT 143311 0 6335 0 2530 0 16741 0 18703 0 187620 0 0 0 ARIC N KOSHIYAMA WEALTH ADVISOR 49051 0 277130 0 209 0 12296 0 9153 0 347839 0 0 0 BENJAMIN BOTE EXTERNAL LOAN OFFICER-REAL ESTATE 58648 0 223640 0 457 0 14000 0 4929 0 301674 0 0 0 JOSEPH VITULLO EXTERNAL LOAN OFFICER-REAL ESTATE 53744 0 209308 0 327 0 517 0 25284 0 289180 0 0 0 MICHAEL J WHITE FINANCIAL CONSULTANT 44310 0 192197 0 156 0 9572 0 14292 0 260527 0 0 0 ELIZABETH A FULLER EXTERNAL LOAN OFFICER-REAL ESTATE 59922 0 160900 0 155 0 5976 0 971 0 227924 0 0 0 PART I, LINES 4A-B 457(B): NON-QUALIFIED DEFERRED COMPENSATION PLAN. ELIGIBILITY IS LIMITED TO EMPLOYEES IN A POSITION OF ASSISTANT VICE PRESIDENT OR ABOVE, OR THOSE EMPLOYEES INDIVIDUALLY SELECTED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. THOSE ELIGIBLE ARE ABLE TO PARTICIPATE EFFECTIVE THEIR DATE OF HIRE INTO A POSITION OF VICE PRESIDENT OR ABOVE, OR THE EFFECTIVE DATE OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS' APPOINTED ELIGIBILITY TO THE PLAN. THE PLAN MATCHES THE PARTICIPANT'S CONTRIBUTIONS DOLLAR FOR DOLLAR UP TO A CALENDAR YEAR MAXIMUM. THE CALENDAR YEAR MAXIMUM, THAT A PARTICIPANT CAN CONTRIBUTE, IS 50% OF THE ALLOWABLE AMOUNT UNDER CODE SECTION 457(E) (15), SO FOR 2019 THE MAXIMUM PARTICIPANT CONTRIBUTION IS $9,500. THE PLAN DOES NOT HAVE A VESTING SCHEDULE, SO CONTRIBUTIONS ARE 100% VESTED. PARTICIPANTS MAY NOT RECEIVE A DISTRIBUTION PRIOR TO SEVERANCE OF EMPLOYMENT WITH TCU. 457(F): NON-QUALIFIED SERP DESIGNED TO PROVIDE A SPECIFIC DOLLAR AMOUNT BY THE TIME A PARTICIPANT IS TENURED. THE TOTAL BENEFIT AMOUNT IS ACCRUED OVER THE LENGTH OF EMPLOYMENT OF THE PARTICIPANT. THE AMOUNT IS "CLIFF VESTED" OVER 3 PERIODS, WITH THE FINAL AND LARGEST VESTING AT RETIREMENT. FUNDS ARE DISTRIBUTED ON EACH VESTING DATE IN THE AMOUNT SPECIFIED IN THE VESTING SCHEDULE. FORFEITURE EVENTS ARE: INVOLUNTARY SEPARATION WITH CAUSE AND; VOLUNTARY SEPARATION WITHOUT GOOD REASON. PAYMENT OF BENEFITS DEPENDS ON THE EVENT THAT TRIGGERS A PAYMENT. THESE EVENTS AND PAYMENTS ARE: FULL PAYMENT OF AMOUNT ACCRUED AS OF EACH CLIFF VESTING DATE; AMOUNT ACCRUED-TO-DATE WILL BE PAID UPON: DEATH PRIOR TO RETIREMENT; VOLUNTARY SEPARATION FOR GOOD REASON; INVOLUNTARY SEPARATION WITHOUT CAUSE; SEPARATION DUE TO DISABILITY. PARTICIPANTS IN THE PLAN ARE: BARRY NELSON, IVAN JONES, NAVNEET KHANNA, STACY FIFIELD, ARTHUR SCHWARTZ, MICHELLE PETERSON, CRAIG BEAUDRY, AND FABIO BIASELLA. OSCAR DOMINGUEZ DIRECTOR CREDIT CARD X 20000 16190 0 1 1 CRAIG BEAUDRY OFFICER AUTOMOBILE X 45038 28029 0 1 1 BARRY NELSON OFFICER FIRST MORTGAGE X 648800 317841 0 1 1 NAVNEET KHANNA OFFICER FIRST MORTGAGE X 244000 171623 0 1 1 GLORIA NUNEZ KEY EMPLOYEE FIRST MORTGAGE X 280000 234485 0 1 1 GLORIA NUNEZ KEY EMPLOYEE CREDIT CARD X 14400 473 0 1 1 CRAIG BEAUDRY OFFICER CREDIT CARD X 25000 9041 0 1 1 IVAN JONES OFFICER CREDIT CARD X 2000 2119 0 1 1 DEE ALARCON DIRECTOR CREDIT CARD X 20000 14518 0 1 1 JOHANNA BENKER DIRECTOR FIRST MORTGAGE X 255700 108323 0 1 1 STACY FIFIELD OFFICER CREDIT CARD X 25000 21559 0 1 1 THOMAS KULINSKI DIRECTOR CREDIT CARD X 15000 3155 0 1 1 DEE ALARCON DIRECTOR FIRST MORTGAGE X 154700 68428 0 1 1 ARTURO REYES DIRECTOR CREDIT CARD X 12000 10982 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 44105 46314 0 1 1 IVAN JONES OFFICER FIRST MORTGAGE X 560000 496733 0 1 1 DOUGLAS BEAUMONT DIRECTOR FIRST MORTGAGE X 150000 112268 0 1 1 GLORIA NUNEZ KEY EMPLOYEE HELOC X 50000 20623 0 1 1 PAT MORENO DIRECTOR AUTO LOAN X 47692 18191 0 1 1 CURT NEWLAND DIRECTOR FIRST MORTGAGE X 262000 188704 0 1 1 CURT NEWLAND DIRECTOR CREDIT CARD X 25000 2453 0 1 1 IVAN JONES OFFICER AUTOMOBILE X 23204 8405 0 1 1 JOHN CALADIM KEY EMPLOYEE FIRST MORTGAGE X 553800 515370 0 1 1 MARK VINELLA KEY EMPLOYEE FIRST MORTGAGE X 355600 287335 0 1 1 DOUGLAS BEAUMONT DIRECTOR SHARE SECURED X 10000 6450 0 1 1 IVAN JONES OFFICER AUTOMOBILE X 50119 35389 0 1 1 JOHANNA BENKER DIRECTOR FIRST MORTGAGE X 330000 326966 0 1 1 MICHAEL GRADL KEY EMPLOYEE FIRST MORTGAGE X 378000 339537 0 1 1 MICHAEL GRADL KEY EMPLOYEE FIRST MORTGAGE X 414000 403054 0 1 1 TERESA SHAFER KEY EMPLOYEE CREDIT CARD X 25000 320 0 1 1 ARTHUR SCHWARTZ OFFICER FIRST MORTGAGE X 495000 490406 0 1 1 ARTHUR SCHWARTZ OFFICER SECOND MORTGAGE X 151745 151745 0 1 1 CYNTHIA A MCGUIRE KEY EMPLOYEE AUTOMOBILE X 19310 6497 0 1 1 CYNTHIA A MCGUIRE KEY EMPLOYEE CREDIT CARD X 20000 5569 0 1 1 CYNTHIA A MCGUIRE KEY EMPLOYEE FIRST MORTGAGE X 143000 114921 0 1 1 CYNTHIA A MCGUIRE KEY EMPLOYEE AUTOMOBILE X 30384 14501 0 1 1 CYNTHIA A MCGUIRE KEY EMPLOYEE HELOC X 100000 72611 0 1 1 FABIO R BIASELLA OFFICER CREDIT CARD X 5000 1051 0 1 1 MICHELLE S PETERSON OFFICER SIGNATURE LOAN X 60000 54138 0 1 1 MICHELLE S PETERSON OFFICER AUTO LOAN X 33097 30341 0 1 1 4756658 ARTHUR SCHWARTZ CHIEF HR OFFICER/BOARD OF CUSIG 356004 PROVIDER OF WORKER'S COMP POLICY 0 FORM 990, PART VI, SECTION A, LINE 6 TRAVIS CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. TRAVIS CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF TRAVIS CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. FORM 990, PART VI, SECTION B, LINE 12C ON A MONTHLY BASIS, MEMBERS OF THE BOARD ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTEREST OR CONCERNS AND RECUSE THEMSELVES WHEN NECESSARY. FORM 990, PART VI, SECTION B, LINE 15 TRAVIS CREDIT UNION PARTICIPATES IN FOUR TO FIVE NATIONAL AND INDUSTRY SPECIFIC SURVEYS TO BENCHMARK BASE SALARY, BONUS AND RETIREMENT BENEFITS FOR ALL KEY EMPLOYEES, SALARIED EMPLOYEES, TO INCLUDE THE CEO, EVP, AND ALL VPS. THESE SURVEYS ARE CONDUCTED AT LEAST ANNUALLY. THE GOVERNING BOARD APPROVES THE CEO'S COMPENSATION PACKAGE AFTER IT HAS BEEN THOROUGHLY REVIEWED AND RECOMMENDED BY THE COMPENSATION COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE CONFLICT OF INTEREST POLICY IS INCLUDED IN OUR CORPORATE BYLAWS, OUR GOVERNING DOCUMENTS, WHICH ARE AVAILABLE UPON REQUEST. OUR MONTHLY FINANCIAL STATEMENTS ARE DISPLAYED AT ALL OF OUR BRANCH LOCATIONS AS WELL AS CORPORATE HEADQUARTERS. OUR YEAR END AUDITED FINANCIAL STATEMENTS ARE PRESENTED IN OUR ANNUAL MEETING AND WE FILE OUR CALL REPORTS ON A QUARTERLY BASIS WITH THE NCUA AND DBO. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. TRAVIS CREDIT UNION FOUNDATION 1 TRAVIS WAY VACAVILLE CA 95687 824159040 ADVOCATE FINANCIAL EDUCATION AND LITERACY IN OUR COMMUNITY CA 501(C)(3) LINE 7 TRAVIS CREDIT UNION 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 1 0 0 0 0 TRAVIS CREDIT UNION FOUNDATION C 421 FMV TRAVIS CREDIT UNION FOUNDATION O 50096 FMV TRAVIS CREDIT UNION FOUNDATION L 13248 FMV