Strait-View Credit Union

“Members”

“Members of the credit union annualy elect three members to serve on the board of directors.”

“Decisions regarding mergers and charter changes are subject to approval by a majority of members.”

“The governing body contemporaneously documented its meetings.”

“Each committee contemporaneously documented its meetings.”

“Periodic reviews shall be conducted. The periodic review shall, at a minimum, include the following subjects: Whether compensation arrangements and benefits are reasonable; Whether or not they have violated the ethics policy; Whether or not they have violated the oath of office. The Supervisory Committee meets at least a minimum of nine times a year doing audits; review of employee account activity, investment accounts, loans, file maintenance changes, cash accounts, payroll & payroll reports, and regulatory and CPA reports.”

“The organization will make its governing documents, conflict of interest policy, and financial statements available to the public upon request, for review at the office of the organization.”

“Other changes in net assets and fund balances.”

“No review was conducted or will be conducted.”

“Bank Service Charges”

“Bond Coverage”

“Cash Short/Over”

“Chapter League Dues”

“Charged-Off Drafts”

“Educational Promotion”

“Exp Annual Meeting”

“Exp Bill Pay”

“Exp Board Meeting”

“Exp Collection”

“Exp Credit Reports”

“Exp Recording Fees”

“FIS Debit/Credit Card Exp”

“Fraudulent Check Exp”

“Furn Fixture Repair”

“Loan Servicing”

“Miscellaneous”

“NSF Check & Charged Off Exp”

“OREO Collection”

“Postage Expense”

“Processor Expense”

“Provision for Loan Losses”

“Sales Tax Expense”

“Supervision Exam Fees”

“Telephone Expense”

“Travel & Conference Exp”

“VISA Fraud Exp Acct”