2017-11-15T14:21:57-06:00 2016-12-31 410746749 CLIFTONLARSONALLEN LLP 1301 W 22ND ST STE 1100 OAK BROOK IL 60523 990 2016-01-01 540907624 OPPORTUNITY INTERNATIONAL INC D/B/A OPPORTUNITY INTERNATIONAL-US OPPO 3124875000 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 MARGARET TOMASIK TREASURER 3124875000 2017-11-15 1 ALEX E WARNER CPA MST P01351082 6305738600 2017-11-15 67.137.57.251 2017-11-15 09:13:40 CS P FAF439ABF6F5638E0B9C98036FA3C7EB9785A77F 07CFC8338AB533BF649A2BED41BB2CAEB54A9D32 2016 2017-02-10 21:41:12Z MARGARET TOMASIK 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 94239530 0 X WWW.OPPORTUNITY.ORG X 1971 IL OPPORTUNITY INTERNATIONAL, INC D/B/A OPPORTUNITY INTERNATIONAL - US (OI) IS A TAX EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION THAT HELPS PEOPLE IN DEVELOPING NATIONS WORK THEIR WAY OUT OF POVERTY, STRENGTHEN THEIR FAMILIES AND IMPROVE THEIR COMMUNITIES. OPPORTUNITY INTERNATIONAL INC. IS PART OF THE OPPORTUNITY INTERNATIONAL NETWORK THAT CURRENTLY PROVIDES LOANS, SAVINGS PROGRAMS, INSURANCE AND OTHER FINANCIAL SERVICES AND TRAINING TO MORE THAN 9.6 MILLION CLIENTS IN 20 COUNTRIES ACROSS AFRICA, ASIA, LATIN AMERICA AND EUROPE. IN 2016, THE NETWORK MADE MORE THAN $1.6 BILLION IN LOANS THROUGH MORE THAN 23,458 EMPLOYEES AROUND THE WORLD. DISCOVER MORE AT OPPORTUNITY.ORG. 17 16 101 145 0 0 21378858 21246759 84088381 72876992 2332999 72286 0 0 107800238 94196037 22389227 8834254 0 0 10780313 7856795 0 0 4301395 98687600 81085407 131857140 97776456 -24056902 -3580419 37449255 252867644 16822314 195845494 20626941 57022150 X OPPORTUNITY INTERNATIONAL, INC D/B/A OPPORTUNITY INTERNATIONAL - US IS A TAX EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION THAT HELPS PEOPLE IN DEVELOPING NATIONS WORK THEIR WAY OUT OF POVERTY, STRENGTHEN THEIR FAMILIES AND IMPROVE THEIR COMMUNITIES. OPPORTUNITY INTERNATIONAL INC. IS PART OF THE OPPORTUNITY INTERNATIONAL NETWORK THAT CURRENTLY PROVIDES LOANS, SAVINGS PROGRAMS, INSURANCE AND OTHER FINANCIAL SERVICES AND TRAINING TO MORE THAN 9.6 MILLION CLIENTS IN 20 COUNTRIES ACROSS AFRICA, ASIA, LATIN AMERICA AND EUROPE. IN 2016, THE NETWORK MADE MORE THAN $1.6 BILLION IN LOANS THROUGH MORE THAN 23,458 EMPLOYEES AROUND THE WORLD. DISCOVER MORE AT OPPORTUNITY.ORG. 0 0 78286902 0 60200646 OPPORTUNITY INTERNATIONAL, INC D/B/A OPPORTUNITY INTERNATIONAL - US IS A TAX EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION THAT HELPS PEOPLE IN DEVELOPING NATIONS WORK THEIR WAY OUT OF POVERTY, STRENGTHEN THEIR FAMILIES AND IMPROVE THEIR COMMUNITIES. OPPORTUNITY INTERNATIONAL INC. IS PART OF THE OPPORTUNITY INTERNATIONAL NETWORK THAT CURRENTLY PROVIDES LOANS, SAVINGS PROGRAMS, INSURANCE AND OTHER FINANCIAL SERVICES AND TRAINING TO MORE THAN 9.6 MILLION CLIENTS IN 20 COUNTRIES ACROSS AFRICA, ASIA, LATIN AMERICA AND EUROPE. IN 2016, THE NETWORK MADE MORE THAN $1.6 BILLION IN LOANS THROUGH MORE THAN 23,000 EMPLOYEES AROUND THE WORLD. DISCOVER MORE AT OPPORTUNITY.ORG. 6403275 6403275 6403275 OI PROVIDED FUNDS FOR MEMBER AGENCIES LENDING OPERATIONS. MEMBER AGENCIES PROVIDED CONSULTING VISITS WITH POOR BORROWERS AND POOR PARTICIPANTS ATTENDED SEVERAL SMALL BUSINESS TRAINING SEMINARS. 3842092 3842092 OI PROVIDED SUPPORT TO MEMBER AGENCIES VIA THE HOME OFFICE IN CHICAGO AND REGIONAL OFFICES. SUPPORT IN THE FORM OF OVERSIGHT, OPERATIONS CONSULTING AND PARTNER AGENCY STAFF TRAINING. 2430979 2430979 2430979 OI GRANTED FUNDS TO AFFILIATES, OPPORTUNITY INC. AND OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. 2430979 2430979 2430979 90963248 1 1 0 0 0 1 0 0 0 1 1 0 0 0 1 1 0 1 0 0 1 1 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 1 1 1 0 0 1 75 0 101 1 0 1 RP 0 0 0 0 0 0 0 0 0 0 0 X 17 16 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AR CA CT GA IL KS KY ME MD MA MI MN MS NJ NM NY NC OH OR PA RI SC TN VA WA WI AZ FL NH CO X X MARGARET TOMASIK 8007939455 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 KATEY ASSEM DIRECTOR 2.50 0.00 X 0 0 0 MUFFY MACMILLAN DIRECTOR 2.50 0.00 X 0 0 0 VICKI ESCARRA CHIEF EXECUTIVE OFFICER 18.00 37.00 X X 74064 150373 23792 SUSAN GILLETTE DIRECTOR 2.50 0.00 X 0 0 0 MARK LINSZ DIRECTOR 2.50 0.00 X 0 0 0 BARBARA LUPIENT DIRECTOR 2.50 0.00 X 0 0 0 JANE NELSON DIRECTOR 2.50 2.50 X 0 0 0 ELIZABETH PERDUE SECRETARY 2.50 0.00 X 0 0 0 KAREN ROBINSON COPE DIRECTOR 2.50 0.00 X 0 0 0 HERVE SARTEAU DIRECTOR 2.50 2.50 X 0 0 0 BETH JOHNSTON STEPHENSON DIRECTOR 2.50 2.50 X 0 0 0 JOHN HART DIRECTOR 2.50 2.50 X 0 0 0 LEANN POPE VICE CHAIR 2.50 2.50 X 0 0 0 DAVE M TOLMIE CHAIR 5.00 2.50 X 0 0 0 JAMES W COX DIRECTOR 2.50 2.50 X 0 0 0 RICHARD MCCLURE DIRECTOR 2.50 0.00 X 0 0 0 ALANA ACKERSON DIRECTOR 2.50 0.00 X 0 0 0 DENNIS WALLESTAD CHIEF OPERAITNG OFFICER 0.00 55.00 X 0 284230 30029 RON GRAY SECRETARY 14.00 41.00 X 55865 167594 36316 DAVID WIEGMAN TREASURER & ASSIST SEC 0.00 55.00 X 0 129385 29335 MARK LUTZ SVP GLOBAL PHILANTRHOPY 41.00 14.00 X 146711 48904 26399 AUDREY WILLIAMS-LEE GLOBAL CHRO 27.50 27.50 X 108013 108013 36316 GREGORY ROTH CHIEF PHILANTHROPIC OFFICER 55.00 0.00 X 178700 0 33080 DANA RICE SVP GL INST GIVING 41.00 14.00 X 144215 48071 21958 RICHARD C JOHN FORMER SVP AND U.S. CFO 35.00 20.00 X 121491 0 13620 DENNIS RIPLEY FORMER CHIEF DEVELOPMENT OFFICER 45.00 5.00 X 151912 0 16899 DAVID L SIMMS FORMER GLOBAL CHIEF DEV OFFICER 27.50 27.50 X 140918 140918 6437 1121889 1077488 274181 28 1 1 0 TREX INTERNATIONAL 952 CHARTER OAK AVENUE ST HELENA CA 94574 TRAVEL PLANNING 268652 KPMG LLP PO BOX 120970 DALLAS TX 753120970 AUDITING 252500 INTERNATIONAL DEVELOPMENT ENTERPRISES 1031 33RD STREET SUITE 270 DENVER CO 80205 CONSULTING 198569 DORSEY WHITNEY LLP PO BOX 1680 MINNEAPOLIS MN 554801680 LEGAL 140203 RUSSELL REYNOLDS ASSOC PO BOX 6427 NEW YORK NY 102496427 RECRUITING 134093 9 629347 20617412 4870085 21246759 MICRO FINANCE REVENUE 522100 72843457 72843457 SUPPORT SERVICE REVENUE 522100 33535 33535 72876992 115779 115779 43493 -43493 -43493 -43493 94196037 72876992 0 72286 2430979 2430979 6403275 6403275 251420 113836 31489 106095 6195041 2804943 775896 2614202 369132 167133 46232 155767 588695 266545 73731 248419 452507 204883 56674 190950 77156 46796 25679 4681 91667 55597 30509 5561 2271613 1377760 756045 137808 504111 53080 446231 4800 619745 183255 75365 361125 38330 14086 11488 12756 13133584 13102641 30943 1151648 1012429 139219 65943 35972 29097 874 OTI BANKING OPERATING E 56075114 56075114 PROVISION FOR LOAN LOSS 5790178 5790178 O.I. NETWORK PROGRAM EX 3842092 3842092 SUPPLIES, PRINTING, & E 851829 576838 241010 33981 -3427603 -3594184 -257795 424376 97776456 90963248 2511813 4301395 13825826 65356985 17904588 9600284 75122 150119733 983712 13743455 26603750 13450216 2286142 13153534 2101297 502985 272568 390668 37449255 252867644 12784372 17342613 2304125 4037942 38694669 0 137504087 16822314 195845494 X -8759595 34278540 24378911 22743610 5007625 0 20626941 57022150 37449255 252867644 X -3580419 -11075 160454 39826249 X X 0 1 X 1 0 X 14138407 43513078 48834877 21378858 21246759 149111979 14138407 43513078 48834877 21378858 21246759 149111979 45260427 103851552 1049966 779758 147917 230402 72286 2280329 3168037 728283 174 3896494 155288802 412695116 0.66880 0.59260 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: OTHER INCOME - 2012 AMOUNT: $ 3,168,037. 2013 AMOUNT: $ 728,283. 2014 AMOUNT: $ 174. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 5 198000 79900 390668 1 1 6038311 6038311 6086556 -48245 6038311 5867592 218964 6086556 6539515 -671923 5867592 6469151 70364 6539515 0.00000 0.00000 0.00000 0 0 26603750 13450216 13153534 13153534 DEPOSITS FROM CUSTOMERS 131574607 ALLOWANCE FOR LOSS IN OTHER INSTITUTIONS 5929480 137504087 X 48622248 -1334239 -1334239 49956487 44239550 44239550 94196037 51659065 3012979 3012979 48646086 49130370 49130370 97776456 PART X, LINE 2: OPPORTUNITY HAS RECEIVED A DETERMINATION LETTER FROM THE IRS INDICATING THAT IT IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE, AND ACCORDINGLY, NO TAX PROVISION HAS BEEN MADE IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS FOR CHARITABLE ACTIVITIES. OPPORTUNITY HAS ADOPTED THE REQUIREMENTS FOR ACCOUNTING FOR UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH ACCOUNTING STANDARDS CODIFICATION (ASC) 740-10 INCOME TAXES, OVERALL (FORMERLY KNOWN AS FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES). THE ONLY SIGNIFICANT TAX POSITION MANAGEMENT HAS IDENTIFIED IS THAT OF OPPORTUNITY'S TAX-EXEMPT STATUS. NO OTHER TAX POSITIONS, CERTAIN OR UNCERTAIN, HAVE BEEN IDENTIFIED. PART XI, LINE 2D - OTHER ADJUSTMENTS: INTERCOMPANY ELIMINATING ENTRIES FROM FINANCIAL STATEMENTS 124,900. ADJUSTMENT TO FINANCIAL STATEMENTS -1,500,000. OTHER INCOME REPORTED ON FINANCIALS 40,861. PART XI, LINE 4B - OTHER ADJUSTMENTS: INTEREST AND DIVIDEND INCOME 115,779. REALIZED LOSSES -43,493. DISCONTINUED OPERATIONS 44,327,718. PRIOR PERIOD ADJUSTMENT -160,454. PART XII, LINE 2D - OTHER ADJUSTMENTS: INTERCOMPANY EXPENSE ALLOCATIONS 3,012,979. PART XII, LINE 4B - OTHER ADJUSTMENTS: DISCONTINUED OPERATIONS 49,130,370. 1 SUB-SAHARAN AFRICA 0 0 GRANTS TO RECIPIENTS IN THE REGION 2421046 EUROPE 0 0 GRANTS TO RECIPIENTS IN THE REGION 105150 CENTRAL AMERICA & THE CARIBBEAN 0 0 GRANTS TO RECIPIENTS IN THE REGION 1305095 EAST ASIA & THE PACIFIC 0 0 GRANTS TO RECIPIENTS IN THE REGION 1472638 SOUTH AMERICA 0 0 GRANTS TO RECIPIENTS IN THE REGION 275003 SOUTH ASIA 0 0 GRANTS TO RECIPIENTS IN THE REGION 167433 NORTH AMERICA 0 0 GRANTS TO RECIPIENTS IN THE REGION 2505 0 0 0 0 0 0 5748870 0 5748870 PHILIPPINES ADVANCEMENT OF EDUCATION, LOAN FUNDS, REBUILDING OF AREAS DAMAGED BY TYPHOONS 313539 WIRE TRANSFER GHANA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 418139 WIRE TRANSFER UGANDA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 319000 WIRE TRANSFER COLOMBIA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 275003 WIRE TRANSFER NICARAGUA FINANCIAL AND AGRICULTURAL SERVICES AND TRAINING, EDUCATION AND COMMUNITY ECONOMIC DEVELOPMENT 1305095 WIRE TRANSFER RWANDA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 723222 WIRE TRANSFER KENYA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 147000 WIRE TRANSFER TANZANIA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 300665 WIRE TRANSFER MOZAMBIQUE SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 485020 WIRE TRANSFER MALAWI IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 28000 WIRE TRANSFER UNITED KINGDOM OPERATIONAL SUPPORT FOR TEAM TO ASSIST IMPLEMENTING BANKS IN AFRICA IN TECHNOLOGY, MANAGING OPERATIONS AND EXTENDING FINANCIAL SERVICES 105150 WIRE TRANSFER INDIA SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 167433 WIRE TRANSFER HONG KONG OPERATIONAL SUPPORT FOR TEAM TO ASSIST IMPLEMENTING BANKS IN CHINA IN TECHNOLOGY, MANAGING OPERATIONS AND EXTENDING FINANCIAL SERVICES 50000 WIRE TRANSFER CHINA SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 1109099 WIRE TRANSFER CANADA OPERATIONAL SUPPORT FOR TEAM TO ASSIST IMPLEMENTING FINANCIAL SERVICES RELATED TO EDUCATION 2505 WIRE TRANSFER 12 11 0 0 1 0 0 0 1 OPPORTUNITY TRANSFORMATION INVESTMENTS INC 550 W VAN BUREN STREET SUIT CHICAGO IL 60607 364382506 501(C)(3) 438535 N/A OI GRANTED FUNDS TO AFFILIATE OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. OPPORTUNITY INC 550 W VAN BUREN STREET SUIT CHICAGO IL 60607 611748401 501(C)(3) 2129912 N/A OI GRANTED FUNDS TO RELATED ORGANIZATION, OPPORTUNITY, INC. 2 2 1 X X X X 1 0 0 0 0 0 0 0 0 VICKI ESCARRA CHIEF EXECUTIVE OFFICER 74064 150373 0 0 0 0 5197 10553 2654 5388 81915 166314 0 0 DENNIS WALLESTAD CHIEF OPERAITNG OFFICER 0 284230 0 0 0 0 0 14884 0 15145 0 314259 0 0 RON GRAY SECRETARY 55865 167594 0 0 0 0 3974 11922 5105 15315 64944 194831 0 0 DAVID WIEGMAN TREASURER & ASSIST SEC 0 129385 0 0 0 0 0 9463 0 19872 0 158720 0 0 MARK LUTZ SVP GLOBAL PHILANTRHOPY 146711 48904 0 0 0 0 10442 3481 9357 3119 166510 55504 0 0 AUDREY WILLIAMS-LEE GLOBAL CHRO 108013 108013 0 0 0 0 7948 7948 10210 10210 126171 126171 0 0 GREGORY ROTH CHIEF PHILANTHROPIC OFFICER 178700 0 0 0 0 0 12852 0 20228 0 211780 0 0 0 DANA RICE SVP GL INST GIVING 144215 48071 0 0 0 0 10089 3363 6380 2126 160684 53560 0 0 RICHARD C JOHN FORMER SVP AND U.S. CFO 121491 0 0 0 0 0 2725 0 10895 0 135111 0 0 0 DENNIS RIPLEY FORMER CHIEF DEVELOPMENT OFFICER 151912 0 0 0 0 0 3408 0 13491 0 168811 0 0 0 DAVID L SIMMS FORMER GLOBAL CHIEF DEV OFFICER 140918 140918 0 0 0 0 1526 1526 1693 1692 144137 144136 0 0 PART I, LINE 4A SEVERANCE PAYMENTS WERE MADE TO THE FOLLOWING INDIVIDUALS: DAVID L. SIMMS: $238,702 DENNIS W. RIPLEY: $103,325 RICHARD C. JOHN: $82,615 X 1 37843 COMPARABLE VALUE X 93 3366438 MARKET VALUE X TRAVEL EXPENSES 15 26934 COST 0 0 1 0 PART I, COLUMN (B): LISTS THE TOTAL NUMBER OF CONTRIBUTIONS FOR THE YEAR. FORM 990, PART VI, SECTION B, LINE 11B STAFF PREPARES DETAILED INFORMATION FROM INTERNAL REPORTS AND AUDITED FINANCIAL STATEMENTS AND SENDS TO CLIFTONLARSONALLEN LLP (CLA). TREASURER OF OPPORTUNITY INTERNATIONAL (OI) REVIEWS THE DRAFT PREPARED BY CLA AND DISCUSSES COMMENTS AND QUESTIONS WITH CLA. FINAL DRAFT OF 990 IS PRESENTED TO AUDIT COMMITTEE FOR REVIEW. AFTER REVIEW IS COMPLETE, THE 990 IS DISTRIBUTED TO THE OPPORTUNITY INTERNATIONAL BOD AND THE RETURN IS SIGNED AND SUBMITTED TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C IT IS AN ANNUAL REQUIREMENT FOR ALL EMPLOYEES AND DIRECTORS TO SIGN THE CONFLICT OF INTEREST STATEMENTS. DISCLOSURES ARE TO BE MADE BY EMPLOYEES TO THE CHIEF EXECUTIVE OFFICER. IN THE CASE OF THE CEO OR AND OTHER DIRECTORS CONFLICTS OF INTEREST ARE REPORTED TO THE BOARD CHAIR, OR IN THE CASE OF THE BOARD CHAIR TO THE CHAIR OF THE RISK & AUDIT COMMITTEE. IF A CONFLICT OF INTEREST IS DETERMINED THE RESPONSIBLE PERSONS ARE RECUSED/EXCLUDED FROM ALL DISCUSSIONS IN CONNECTION WITH THE PROPOSED TRANSACTION. FINANCE DEPARTMENT MONITORS RELATED PARTY TRANSACTIONS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION IS APPORVED BY THE PEOPLE COMMITTEE OF THE BOARD USING IBM'S KENEXA SALARY DATABASE AND INSIDE NGO SALARY SURVEY AS COMPARABILILTY DATA TO HELP SET COMPENSATION. COMPENSATION DECISIONS ARE INCLUDED IN THE COMMITTEE BOARD MINUTES AND APPROVALS ARE DOCUMENTED IN THE EMPLOYEE FILES. THIS PROCESS IS THE SAME FOR THE CEO AND ALL OTHER OFFICERS. FORM 990, PART VI, SECTION C, LINE 19 CONFLICT OF INTEREST POLICY IS NOT PUBLISHED. FINANCIAL STATEMENTS ARE AVAILABLE ON THE OPPORTUNITY INTERNATIONAL WEBSITE. GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: FOREIGN CURRENCY TRANSLATION GAIN (LOSS) -1,764,725. MINORITY INTEREST 1,167,696. ADDITION OF BANKING NET ASSETS ON OIUS BALANCE SHEET 40,476,002. INVESTMENT IN OI NICARAGUA -1,490,642. MICRO-FINANCE ACTIVITY 1,437,918. FORM 990, PART XII, LINE 2C: THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. OPPORTUNITY TRANSFORMATION INVESTMENTS 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 364382506 TO INVEST AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS. IL 501(C)(3) LINE 7 OPPORTUNITY INTERNATIONAL 1 OPPORTUNITY INC 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 611748401 TO CREATE EMPLOYMENT AND IMPROVE INCOME FOR THE POOR. IL 501(C)(3) LINE 7 N/A 1 OPPORTUNITY INTERNATIONAL NICARAGUA INC 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 470994982 ASSIST LOCAL COMMUNITIES CREATE JOBS AND BETTER LIVING CONDITIONS IL 501(C)(3) LINE 7 OPPORTUNITY INTERNATIONAL 1 OPPORTUNITY BANK AD NOVI SAD BULEVAR OSLOBODJENJA 2A NOVI SAD SERBIA RI OTHER DEPOSITORY RI OPPORTUNITY TRANSFORMATION INVESTMENTS C 3315825 109413049 1.00000 1 OPPORTUNITY INTERNATIONAL BANK OF MALAWI LTD PLOTS 046-048 OLD TOWN PRIVATE BA LILONGWE MI OTHER DEPOSITORY MI OPPORTUNITY TRANSFORMATION INVESTMENTS C -1794623 20984405 0.80500 1 OPPORTUNITY INTERNATIONAL SAVINGS & LOANS LIMITED NO D765/3 KWAMWE NKRUMAH AVENUE A GH OTHER DEPOSITORY GH OPPORTUNITY TRANSFORMATION INVESTMENTS C 541817 35474414 0.75900 1 OPPORTUNITY MICROCREDIT ROMANIA IFN SA NO 183 1 DECEMBRIE BLVD TARGA MURES RO OTHER DEPOSITORY RO OPPORTUNITY TRANSFORMATION INVESTMENTS C -69044 4172060 0.66500 1 OPPORTUNITY INTERNATIONAL COLUMBIA SA FINANCING CO CALLE 70 7 - 30 BOGOTA CO OTHER DEPOSITORY CO OPPORTUNITY TRANSFORMATION INVESTMENTS C 584564 27957050 0.72100 1 1 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 OPPORTUNITY TRANSFORMATION INVESTMENTS B 438535 CASH TRANSFERRED OPPORTUNITY TRANSFORMATION INVESTMENTS L 413931 CASH TRANSFERRED OPPORTUNITY TRANSFORMATION INVESTMENTS A 62675 CASH TRANSFERRED OPPORTUNITY INC B 2129912 CASH TRANSFERRED OPPORTUNITY INC L 100000 CASH TRANSFERRED