2015-09-04T19:34:02-05:00 2014-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2014-01-01 941242831 TRAVIS CREDIT UNION TRAV 7074691671 PO BOX 2069 VACAVILLE CA 95696 BARRY NELSON CEO 7074691671 2015-09-04 1 VALENTINO CREUS CPA P01054153 8189549700 2014 2016-04-25 22:37:26Z BARRY NELSON PO BOX 2069 VACAVILLE CA 95696 173016004 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 9 674 12 371692 -293958 0 0 84294043 89183807 8769649 13566779 2562386 1718293 95626078 104468879 24000 54100 0 0 33602314 38628952 0 0 0 35984127 38265513 69610441 76948565 26015637 27520314 2144538561 2302178774 1909661865 2026232110 234876696 275946664 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 0 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 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 40955 0 1 674 1 1 1 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 MARTIN FLEISCHER CONTROLLER 7074691671 PO BOX 2069 VACAVILLE CA 95696 PATRICIA MORENO BOARD CHAIRPERSON 1.00 X 2439 0 0 DEBORAH ASPLING BOARD VICE CHAIRPERSON 1.00 X 0 0 0 MARY COBURN SECRETARY 1.00 X 3028 0 0 THOMAS KULINKSI TREASURER 1.00 X 898 0 0 CURT NEWLAND BOARD MEMBER 1.00 X 2662 0 0 LEONARD AUGUSTINE BOARD MEMBER 1.00 X 1832 0 0 TIMOTHY TRUESDALE BOARD MEMBER 1.00 X 1002 0 0 ANN ROLLIN BOARD MEMBER 1.00 X 0 0 0 DEE ALARCON BOARD MEMBER 1.00 X 1453 0 0 STUART MCINTOSH BOARD MEMBER (EMERITUS) 0.00 X 0 0 0 JAMES PORTER BOARD MEMBER (EMERITUS) 0.00 X 0 0 0 JOHANNA BENKER SUPV CMTE CHAIRPERSON 1.00 X 0 0 0 DOUGLAS BEAUMONT SUPV CMTE MEMBER 1.00 X 1635 0 0 ARTURO REYES SUPV CMTE MEMBER 1.00 X 0 0 0 BARRY NELSON PRESIDENT/CEO 40.00 X 486163 0 375509 PATSY VAN OUWERKERK PRESIDENT/CEO (FORMER) 40.00 X 1297327 0 194777 IVAN JONES SVP/CFO 40.00 X 181424 0 29600 NAVNEET KHANNA EVP 40.00 X 269675 0 151024 RICHARD ROARK SVP/CIO 40.00 X 218320 0 125288 STACY FIFIELD SVP/CLO 40.00 X 213752 0 141243 MISUN THOMPSON SVP/COO 40.00 X 196791 0 128579 ARIC N KOSHIYAMA SR FINANCIAL CONSULTANT 40.00 X 269728 0 19897 ARTHUR SCHWARTZ SENIOR VP OF ADMINISTRATION 40.00 X 212199 0 150110 RICHARD BRINGGOLD COMMERCIAL LOAN OFFICER 40.00 X 200520 0 4433 GLORIA NUNEZ VP OPERATIONS 40.00 X 191204 0 45285 CATHY GRIMES VP MARKETING 40.00 X 186079 0 26266 CRAIG BEAUDRY VP IT OPERATIONS 40.00 X 161735 0 30460 TERESA SHAFER VP OF HUMAN RESOURCES 40.00 X 159879 0 31076 STEVEN LANGLEY VP SALES AND SERVICE 40.00 X 154213 0 37373 KARUNA FRANCINE BOARDS VP BUSINESS LENDING & SERV 40.00 X 146435 0 23458 SHERRY CORDONNIER DIRECTOR OF PUBLIC RELATIONS 40.00 X 138861 0 14949 CRAIG CRISMON AVP IT NETWORK 40.00 X 138767 0 37791 THOMAS CORIO DIRECTOR OF AUDITING 40.00 X 131652 0 32357 MARK VINELLA DIRECTOR OF COMPLIANCE 40.00 X 127842 0 38905 5097515 0 1638380 36 0 1 0 HEARN ENTERPRISES INC 536 DAVIS STREET VACAVILLE CA 95688 DIXON BRANCH CONSTRUCTION 611146 WORKFLOWONE PO BOX 644039 PITTSBURGH PA 152644039 MEMBER STATEMENT PREP 492205 PRIME VALUATION SERVICES LLC PO BOX 202863 DALLAS TX 753202863 APPRAISALS 440308 TIME PRINTING INC 1614 D STREET SACRAMENTO CA 95814 PRINTING SERVICES 417800 ACCENTURE LLP 161 N CLARK STREET CHICAGO IL 60601 MORTGAGE LOAN ORIGINATION SYSTEM 280888 9 INTEREST ON LOANS 522100 63170998 63170998 OTHER OPERATING INCOME 522100 17208932 17174127 34805 FEE INCOME 522100 8803877 8445829 358048 89183807 14383472 14383472 63932856 3797576 63639264 4907861 293592 -1110285 -816693 -816693 OTHER NON-OPERATING INCOME 522100 1718293 1739454 -21161 1718293 104468879 104097187 371692 0 54100 5097515 25216083 1191048 4790723 2333583 99121 153920 810550 2572662 9245277 2989240 3440144 807527 4770331 2960262 380194 LOAN SERVICING EXPENSE 6201007 PROV. FOR LOAN LOSSES 2249685 MISC OPERATING EXPENSES 1389150 OPERATING FEES 196443 76948565 10413964 17914558 102021594 52604476 4638773 4136014 2556360 2815802 66383571 29488193 35949356 36895378 832762282 769171843 1100566546 1346744823 912931 689356 54716755 71206524 2144538561 2302178774 15406524 16976269 1894255341 2009255841 1909661865 2026232110 X 0 0 0 0 234876696 275946664 234876696 275946664 2144538561 2302178774 27520314 13549654 0 X X 0 1 X 1 0 4000 4000 4000 1 CCUL-PAC 1201 K STREET SUITE 1050 SACRAMENTO CA 95814 940357265 4000 0 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 6352246 6352246 35669210 11979616 23689594 5913989 5025146 888843 18448126 12483431 5964695 36895378 ALL OTHER INVESTMENTS 11111919 F LOANS HELD FOR SALE 526600 F LOANS & LEASES 1316890915 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 18215389 C 1346744823 ACCRUED DIVIDENDS & INTEREST PAYABLE 364068 MEMBER SHARES & DEPOSITS 2008891773 2009255841 X 104468879 0 104468879 0 104468879 76948565 0 76948565 0 76948565 PART X, LINE 2: FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED DECEMBER 31, 2014, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION IS GENERALLY NO LONGER SUBJECT TO EXAMINATION BY FEDERAL TAX AUTHORITIES FOR YEARS BEFORE 2011 AND STATE TAX AUTHORITIES FOR YEARS BEFORE 2010. 1 CREDIT UNION MIRACLE DAY INC PO BOX 27637 WASHINGTON DC 20038 522341329 501(C)(3) 10000 FMV TO GIVE HOPE AND HEAL CHILDREN TRAVIS FISHER HOUSE 101 BODIN CIRCLE TRAVIS AIR FORCE BASE CA 94535 680038761 501(C)(3) 10000 FMV PROVIDE HOUSING FOR FAMILIES OF LONG TERM PATIENTS WORLD COUNCIL OF CREDIT UNIONS 5710 MINERAL POINT RD MADISON WI 537054493 396093210 501(C)(3) 10000 FMV PHILIPPINE DISASTER RELIEF 3 0 X 1 1 X X X X 0 1 0 BARRY NELSON PRESIDENT/CEO 335699 0 30756 0 119708 0 349781 0 25728 0 861672 0 100137 0 PATSY VAN OUWERKERK PRESIDENT/CEO (FORMER) 370213 0 86431 0 840683 0 181836 0 12941 0 1492104 0 0 0 IVAN JONES SVP/CFO 161728 0 13076 0 6620 0 23907 0 5693 0 211024 0 0 0 NAVNEET KHANNA EVP 238331 0 23807 0 7537 0 115808 0 35216 0 420699 0 0 0 RICHARD ROARK SVP/CIO 189306 0 22294 0 6720 0 101560 0 23728 0 343608 0 0 0 STACY FIFIELD SVP/CLO 186385 0 19303 0 8064 0 130518 0 10725 0 354995 0 0 0 MISUN THOMPSON SVP/COO 171933 0 17249 0 7609 0 104855 0 23724 0 325370 0 0 0 ARIC N KOSHIYAMA SR FINANCIAL CONSULTANT 35126 0 234122 0 480 0 11059 0 8838 0 289625 0 0 0 ARTHUR SCHWARTZ SENIOR VP OF ADMINISTRATION 185198 0 18242 0 8759 0 117390 0 32720 0 362309 0 0 0 RICHARD BRINGGOLD COMMERCIAL LOAN OFFICER 63923 0 135930 0 667 0 2225 0 2208 0 204953 0 0 0 GLORIA NUNEZ VP OPERATIONS 161733 0 17075 0 12396 0 17358 0 27927 0 236489 0 0 0 CATHY GRIMES VP MARKETING 161664 0 16581 0 7834 0 16902 0 9364 0 212345 0 0 0 CRAIG BEAUDRY VP IT OPERATIONS 140812 0 14544 0 6379 0 5875 0 24585 0 192195 0 0 0 TERESA SHAFER VP OF HUMAN RESOURCES 140651 0 11624 0 7604 0 15978 0 15098 0 190955 0 0 0 STEVEN LANGLEY VP SALES AND SERVICE 132445 0 14409 0 7359 0 15678 0 21695 0 191586 0 0 0 KARUNA FRANCINE BOARDS VP BUSINESS LENDING & SERV 126292 0 13373 0 6770 0 0 0 23458 0 169893 0 0 0 SHERRY CORDONNIER DIRECTOR OF PUBLIC RELATIONS 128292 0 8414 0 2155 0 5495 0 9454 0 153810 0 0 0 CRAIG CRISMON AVP IT NETWORK 128635 0 9328 0 804 0 6862 0 30929 0 176558 0 0 0 THOMAS CORIO DIRECTOR OF AUDITING 119010 0 8346 0 4296 0 15070 0 17287 0 164009 0 0 0 MARK VINELLA DIRECTOR OF COMPLIANCE 118507 0 8602 0 733 0 6329 0 32576 0 166747 0 0 0 PART I, LINE 4B 457(B): NON-QUALIFIED DEFERRED COMPENSATION PLAN. ELIGIBILITY IS LIMITED TO EMPLOYEES IN A POSITION OF 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 2014 THE MAXIMUM PARTICIPANT CONTRIBUTION IS $8,750. 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, PATSY VAN OUWERKERK, IVAN JONES, NAVNEET KHANNA, RICHARD ROARK, STACY FIFIELD, MISUN THOMPSON AND ARTHUR SCHWARTZ. PATSY VAN OUWERKERK OFFICER FIRST MORTGAGE X 503000 350662 0 1 1 PATSY VAN OUWERKERK OFFICER HOME EQUITY LINE X 369000 366160 0 1 1 PATSY VAN OUWERKERK OFFICER CREDIT CARD X 25000 5209 0 1 1 BARRY NELSON OFFICER FIRST MORTGAGE X 478000 399222 0 1 1 BARRY NELSON OFFICER HOME EQUITY X 50000 8692 0 1 1 RICHARD ROARK OFFICER CREDIT CARD X 6000 5980 0 1 1 NAVNEET KHANNA OFFICER FIRST MORTGAGE X 579000 366732 0 1 1 NAVNEET KHANNA OFFICER CREDIT CARD X 20000 3 0 1 1 ARTHUR SCHWARZ KEY EMPLOYEE FIRST MORTGAGE X 417000 400504 0 1 1 GLORIA NUNEZ KEY EMPLOYEE FIRST MORTGAGE X 312800 276841 0 1 1 GLORIA NUNEZ KEY EMPLOYEE CREDIT CARD X 14400 4658 0 1 1 STEVEN LANGLEY KEY EMPLOYEE FIRST MORTGAGE X 220000 193674 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE CREDIT CARD X 8700 7368 0 1 1 STEVEN LANGLEY KEY EMPLOYEE CREDIT CARD X 7200 670 0 1 1 STEVEN LANGLEY KEY EMPLOYEE HOME EQUITY LINE X 20000 11323 0 1 1 ANN ROLLIN DIRECTOR CREDIT CARD X 14000 1470 0 1 1 DEE ALARCON DIRECTOR CREDIT CARD X 20000 9133 0 1 1 ANN ROLLIN DIRECTOR FIRST MORTGAGE X 138000 110371 0 1 1 JOHANNA BENKER DIRECTOR FIRST MORTGAGE X 255700 205527 0 1 1 GLORIA NUNEZ KEY EMPLOYEE SHARE SECURED X 20000 23931 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 35000 16020 0 1 1 STACY FIFIELD OFFICER CREDIT CARD X 25000 21615 0 1 1 MISUN THOMPSON OFFICER FIRST MORTGAGE X 405000 306092 0 1 1 MISUN THOMPSON OFFICER AUTOMOBILE X 27161 19229 0 1 1 MISUN THOMPSON OFFICER CREDIT CARD X 15000 2260 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE AUTOMOBILE X 58837 50314 0 1 1 THOMAS KULINSKI DIRECTOR FIRST MORTGAGE X 93400 89358 0 1 1 THOMAS KULINSKI DIRECTOR CREDIT CARD X 12000 2961 0 1 1 MARY COBURN DIRECTOR CREDIT CARD X 10000 740 0 1 1 DEE ALARCON DIRECTOR FIRST MORTGAGE X 154700 141548 0 1 1 ARTURO REYES DIRECTOR CREDIT CARD X 12000 10680 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 35000 29583 0 1 1 IVAN JONES OFFICER AUTOMOBILE X 27990 15736 0 1 1 TERESA SHAFER KEY EMPLOYEE CREDIT CARD X 5000 3194 0 1 1 TERESA SHAFER KEY EMPLOYEE CREDIT CARD X 20000 8158 0 1 1 PAT MORENO DIRECTOR CREDIT CARD X 10000 10 0 1 1 BARRY NELSON OFFICER AUTO LOAN X 23587 14903 0 1 1 RICHARD ROARK OFFICER AUTO LOAN X 41829 41228 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 44105 44105 0 1 1 MISUN THOMPSON OFFICER HOME EQUITY X 50000 10000 0 1 1 CATHY GRIMES KEY EMPLOYEE CREDIT CARD X 50000 150 0 1 1 IVAN JONES OFFICER FIRST MORTGAGE X 560000 560000 0 1 1 4136014 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 11 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. FORM 990 SECTION 1.263(A)-1(F)DE MINIMIS SAFE HARBOR ELECTION TRAVIS CREDIT UNION P.O. BOX 2069 VACAVILLE, CA 95696 TAXPAYER IDENTIFICATION NUMBER: 94-1242831 FOR THE YEAR ENDING DECEMBER 31, 2014 TRAVIS CREDIT UNION IS MAKING THE DE MINIMIS SAFE HARBOR ELECTION UNDER REG. SEC. 1.263(A)-1(F). SEE ATTACHED FORM 3115 FOR TRAVIS CREDIT UNION, EIN: 94-1242831