Civic Intelligence

Our Lady of Good Hope Credit Union

EIN 39-0939059 • 501(c)14

7152 N 41st Street53209
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

94th percentile

0.82x

Higher debt load relative to assets than 94% of similar nonprofits.

$500k-$1M nonprofits • Source year 2014

Liabilities / Revenue

100th percentile

22.31x

Higher debt load relative to revenue than 100% of similar nonprofits.

$500k-$1M nonprofits • Source year 2014

Net Margin

30th percentile

-6.7%

Higher net margin than 30% of similar nonprofits.

$500k-$1M nonprofits • Source year 2014

Top Officer Pay

61st percentile

$5,129

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 14.7% of source-year revenue.

$500k-$1M nonprofits • Source year 2014

Asset Growth

21st percentile

-7.5%

Faster asset growth than 21% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2013 to 2014

Revenue Growth

53rd percentile

9.7%

Faster revenue growth than 53% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2013 to 2014

Using 2013 Form 990 data because the latest 2014 filing does not report standard financial totals.

Assets

Down

$1,029,219

Down $47,454 (-4.4%) from 2012

Liabilities

Down

$853,080

Down $33,737 (-3.8%) from 2012

Net Assets

Down

$176,139

Down $13,717 (-7.2%) from 2012

Revenue

$31,777

No earlier filing loaded for comparison.

Expenses

Up

$45,494

Up $3,311 (+7.8%) from 2012

Net Income

-$13,717

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2010: $1,056,759Liabilities 2010: $844,411Net Assets 2010: $212,3482010Assets 2011: $1,033,745Liabilities 2011: $831,284Net Assets 2011: $202,4612011Assets 2012: $1,076,673Liabilities 2012: $886,817Net Assets 2012: $189,8562012Assets 2013: $1,029,219Liabilities 2013: $853,080Net Assets 2013: $176,1392013

Latest loaded filing

2013

Assets$1,029,219
Liabilities$853,080
Net Assets$176,139

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60K$40K$20K$0-$20KExpenses 2010: $42,6382010Expenses 2011: $42,5002011Expenses 2012: $42,1832012Revenue 2013: $31,777Expenses 2013: $45,494Net Income 2013: -$13,7172013

Latest loaded filing

2013

Revenue$31,777
Expenses$45,494
Net Income-$13,717

Filings

Latest Detailed Filing

The latest 2014 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2012 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 29, 2013
Return Version
2012v2.1
Gross Receipts
$29,578
Mission and Program Overview

Mission

None

Major Activities

Activity 2
We funded 24 loans during 2012. As of 12/31/12, we had 6 home equity loans and 39 consumer loans.
Filing and Contact Details

Filer

EIN
39-0939059
Raw XML Appendix335 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY03796
IRS990/AccountsPayableAccruedExpenses/EOY04871
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0We funded 24 loans during 2012. As of 12/31/12, we had 6 home equity loans and 39 consumer loans.
IRS990/ActivityOrMissionDescription0None
IRS990/Advertising/Total0636
IRS990/AllOtherExpenses/Total0244
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0117890
IRS990/CashNonInterestBearing/EOY064854
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total010556
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total0221
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total01204
IRS990/DescribedIn501C30false
IRS990/Description0We have deposit, transaction, and investment accounts with 656 members at 12/31/12. During 2012, we opened 17 new deposit, transaction and investment accounts.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0false
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0true
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total02353
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek12.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek45.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek57.50
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/KeyEmployee0X
IRS990/Form990PartVIISectionA/NamePerson0Howard G Timm
IRS990/Form990PartVIISectionA/NamePerson1Keneth Spies
IRS990/Form990PartVIISectionA/NamePerson2Lillie Roohana
IRS990/Form990PartVIISectionA/NamePerson3Robert J Reichert
IRS990/Form990PartVIISectionA/NamePerson4Thomas J Lieven
IRS990/Form990PartVIISectionA/NamePerson5Carol Loehr
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization44800
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization55756
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0Vice-Chair
IRS990/Form990PartVIISectionA/Title1Secretary
IRS990/Form990PartVIISectionA/Title2Director resigned 102012-H
IRS990/Form990PartVIISectionA/Title3Chairman
IRS990/Form990PartVIISectionA/Title4ManagerTreasurer
IRS990/Form990PartVIISectionA/Title5Head Teller
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/GainOrLoss/Other050
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossAmountSalesAssets/Other050
IRS990/GrossReceipts029578
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total0632
IRS990/Insurance/Total08823
IRS990/Interest/Total0135
IRS990/InvestmentIncomeCurrentYear011226
IRS990/InvestmentIncome/ExclusionAmount011176
IRS990/InvestmentIncomePriorYear013951
IRS990/InvestmentIncome/TotalRevenueColumn011176
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsProgramRelated/BOY017477
IRS990/InvestmentsProgramRelated/EOY017324
IRS990/LandBldgEquipmentAccumDeprec06236
IRS990/LandBuildingsEquipmentBasis012114
IRS990/LandBuildingsEquipmentBasisNet/BOY0346
IRS990/LandBuildingsEquipmentBasisNet/EOY05878
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0None
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Thomas J Lieven
IRS990/NbrIndependentVotingMembers03
IRS990/NbrVotingGoverningBodyMembers04
IRS990/NbrVotingMembersGoverningBody04
IRS990/NetAssetsOrFundBalancesBOY0202461
IRS990/NetAssetsOrFundBalancesEOY0189856
IRS990/NetGainOrLossInvestments/ExclusionAmount050
IRS990/NetGainOrLossInvestments/TotalRevenueColumn050
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith1096050
IRS990/NumberIndependentVotingMembers03
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfEmployees06
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total0508
IRS990/OfficeExpenses/Total02588
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY04361
IRS990/OtherAssetsTotal/EOY01744
IRS990/OtherExpensePriorYear024641
IRS990/OtherExpensesCurrentYear026761
IRS990/OtherExpenses/Description0Dividends to Members
IRS990/OtherExpenses/Description1Loan Servicing
IRS990/OtherExpenses/Description2Provision for Loan Losses
IRS990/OtherExpenses/ManagementAndGeneral01935
IRS990/OtherExpenses/ManagementAndGeneral11393
IRS990/OtherExpenses/ManagementAndGeneral21800
IRS990/OtherExpenses/Total01935
IRS990/OtherExpenses/Total11393
IRS990/OtherExpenses/Total21800
IRS990/OtherLiabilities/BOY0827488
IRS990/OtherLiabilities/EOY0881946
IRS990/OtherNotesLoansReceivableNet/BOY0239929
IRS990/OtherNotesLoansReceivableNet/EOY0416960
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Total03547
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total04289
IRS990/PayrollTaxes/Total01319
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY02417
IRS990/PrepaidExpensesDeferredCharges/EOY02825
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenueCY018352
IRS990/ProgramServiceRevenue/Description0Interest on Loans
IRS990/ProgramServiceRevenue/Description1Member AcountCard Fees
IRS990/ProgramServiceRevenuePriorYear018662
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome017275
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome11077
IRS990/ProgramServiceRevenue/TotalRevenueColumn017275
IRS990/ProgramServiceRevenue/TotalRevenueColumn11077
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0-12605
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0202461
IRS990/RetainedEarningsEndowmentEtc/EOY0189856
IRS990/RevenuesLessExpensesCY0-12605
IRS990/RevenuesLessExpensesPriorYear0-9887
IRS990/SalariesEtcCurrentYear015422
IRS990/SalariesEtcPriorYear017859
IRS990/SavingsAndTempCashInvestments/BOY0651325
IRS990/SavingsAndTempCashInvestments/EOY0567088
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Equipment/BookValue0265
IRS990ScheduleD/Equipment/Depreciation03591
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis03856
IRS990ScheduleD/InvestmentsProgramRelated/BookValue08274
IRS990ScheduleD/InvestmentsProgramRelated/BookValue18050
IRS990ScheduleD/InvestmentsProgramRelated/BookValue21000
IRS990ScheduleD/InvestmentsProgramRelated/Description0NCUA Capitalization
IRS990ScheduleD/InvestmentsProgramRelated/Description1Corporate Central CU
IRS990ScheduleD/InvestmentsProgramRelated/Description2WISCUB
IRS990ScheduleD/OtherLandBuildings/BookValue05613
IRS990ScheduleD/OtherLandBuildings/Depreciation02645
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis08258
IRS990ScheduleD/OtherLiabilities/Amount079
IRS990ScheduleD/OtherLiabilities/Amount1881867
IRS990ScheduleD/OtherLiabilities/Description0Accrued Dividends
IRS990ScheduleD/OtherLiabilities/Description1Member SharesCertificates
IRS990ScheduleD/TotalOfAmounts0881946
IRS990ScheduleD/TotalOfBookValueLandBuildings05878
IRS990ScheduleD/TotalOfBookValueProgramRelated017324
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0Robert Reichert, Chairman, is the father of Carol Loehr, (Head Teller).
IRS990ScheduleO/GeneralExplanation/Explanation1The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/GeneralExplanation/Explanation2The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization9s bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/GeneralExplanation/Explanation4Form 990 review is made a part of the April Board meeting and made a part of the advance materials provided to the Board. The document is reviewed and accepted by the Board.
IRS990ScheduleO/GeneralExplanation/Explanation5At the annual reorganization meeting all compensation is reveiwed for appropriateness. During the year, the Treasurer/Manager can identify compensation adjustments needed or desired and ask for Board approval. Such actions are documented in the minutes.
IRS990ScheduleO/GeneralExplanation/Explanation6At the annual reorganization meeting all compensation is reveiwed for appropriateness. During the year, the Treasurer/Manager can identify compensation adjustments needed or desired and ask for Board approval. Such actions are documented in the minutes.
IRS990ScheduleO/GeneralExplanation/Explanation7An annual financial statement is published for attendees at the annual meeting. Semiannual comparative updates of key financial statistics are provided in te semi-annual newsletter. No other method is available because no one has ever asked. Member privacy concerns make it difficult to disclose Board minutes.
IRS990ScheduleO/GeneralExplanation/Identifier0O01
IRS990ScheduleO/GeneralExplanation/Identifier1O02
IRS990ScheduleO/GeneralExplanation/Identifier2O03
IRS990ScheduleO/GeneralExplanation/Identifier3O04
IRS990ScheduleO/GeneralExplanation/Identifier4O05
IRS990ScheduleO/GeneralExplanation/Identifier5O06
IRS990ScheduleO/GeneralExplanation/Identifier6O07
IRS990ScheduleO/GeneralExplanation/Identifier7O08
IRS990ScheduleO/GeneralExplanation/ReturnReference0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Member election for additional members Part VI line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Governing body decisions Part VI line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990 governing body review Part VI line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/GeneralExplanation/ReturnReference6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/GeneralExplanation/ReturnReference7Governing documents etc available to public Part VI line 19
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0WI
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine107152 N 41st Street
IRS990/TheBooksAreInCareOf/AddressUS/City0Milwaukee
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode053209
IRS990/TheBooksAreInCareOf/NamePerson0Thomas J Lieven
IRS990/TheBooksAreInCareOf/TelephoneNumber04143527914
IRS990/TotalAssets/BOY01033745
IRS990/TotalAssetsBOY01033745
IRS990/TotalAssets/EOY01076673
IRS990/TotalAssetsEOY01076673
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear042183
IRS990/TotalExpensesPriorYear042500
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total042183
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY0831284
IRS990/TotalLiabilitiesBOY0831284
IRS990/TotalLiabilities/EOY0886817
IRS990/TotalLiabilitiesEOY0886817
IRS990/TotalLiabNetAssetsFundBalances/BOY01033745
IRS990/TotalLiabNetAssetsFundBalances/EOY01076673
IRS990/TotalNbrEmployees06
IRS990/TotalNbrVolunteers03
IRS990/TotalNetAssetsFundBalances/BOY0202461
IRS990/TotalNetAssetsFundBalances/EOY0189856
IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue018352
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg010556
IRS990/TotalRevenueCurrentYear029578
IRS990/TotalRevenue/ExclusionAmount011226
IRS990/TotalRevenuePriorYear032613
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome018352
IRS990/TotalRevenue/TotalRevenueColumn029578
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0www.olghcreditunion.com
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01954
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390939059
ReturnHeader/Filer/Name/BusinessNameLine10Our Lady of Good Hope Credit Union
ReturnHeader/Filer/NameControl0OURL
ReturnHeader/Filer/USAddress/AddressLine107152 N 41st Street
ReturnHeader/Filer/USAddress/City0Milwaukee
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053209
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-04-29
ReturnHeader/Officer/Name0Thomas J Lieven
ReturnHeader/Officer/Phone04143527914
ReturnHeader/Officer/Title0Credit Union Ma
ReturnHeader/Preparer/DatePrepared02013-05-13
ReturnHeader/PreparerFirm/EIN0391127312
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pewaukee
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode053072
ReturnHeader/Preparer/Name0Cari Thompson
ReturnHeader/Preparer/Phone02625490200
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-13T18:21:08-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.