| Return Reference | Explanation |
|---|---|
| FORM 990, PART VI, SECTION B, LINE 11B | THE FORM 990 IS REVIEWED BY THE CFO AND THEN BOARD MEMBERS ARE PROVIDED A COPY OF THE 990 BEFORE IT IS FILED. |
| FORM 990, PART VI, SECTION B, LINE 12C | DURING SBA REVIEWS, WHICH OCCUR EVERY ONE TO ONE AND A HALF YEARS, THE CONFLICT OF INTEREST POLICIES ARE REVIEWED IN DETAIL. THE BOARD OF DIRECTORS ALSO REVIEWS THIS ANNUALLY. |
| FORM 990, PART VI, SECTION B, LINE 15A | THE EXECUTIVE BOARD REVIEWS THE CHIEF EXECUTIVE OFFICER ANNUALLY. CHANGES TO THE CHIEF EXECUTIVE OFFICER'S COMPENSATION MUST BE APPROVED BY THE EXECUTIVE BOARD. KEY EMPLOYEES ARE REVIEWED BY THE CHIEF EXECUTIVE OFFICER. CHANGES IN COMPENSATION ARE BASED ON COMPENSATION STUDIES AND INFORMATION OBTAINED IN THE BANKING INDUSTRY. THE COMPENSATION DECIDED AND THE ASSOCIATED PROCESS ARE DOCUMENTED IN THE APPROPRIATE PERSONNEL FILES. |
| FORM 990, PART VI, SECTION C, LINE 19 | DOCUMENTS ARE AVAILABLE FROM THE CHIEF EXECUTIVE OFFICER UPON REQUEST |
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