2025-11-06T18:25:50-06:00 2024-12-31 135565207 KPMG LLP 500 CAPITOL MALL SUITE 2100 SACRAMENTO CA 95814 990 2024-01-01 940362025 THE GOLDEN 1 CREDIT UNION GOLD 9167322900 8945 CAL CENTER DRIVE SACRAMENTO CA 95826 ALLYSON HILL EVP/CFO 9167322900 2025-11-04 1 0 CORI SADANAGA P01598167 9164484700 2025-11-03 2024 2025-03-06 01:10:19Z DONNA A BLAND 8945 CAL CENTER DRIVE SACRAMENTO CA 95826 1124328677 0 X WWW.GOLDEN1.COM X 1933 CA THE GOLDEN 1 CREDIT UNION DELIVERS EXCEPTIONAL FINANCIAL SERVICES AND SUPPORT TO EMPOWER OUR MEMBERS AND COMMUNITIES. 9 9 2592 11 12826868 1349744 0 0 608459458 745306784 180806726 144511876 108813926 99926613 898080110 989745273 0 0 0 0 223538474 236598832 0 0 0 534229378 647226412 757767852 883825244 140312258 105920029 21129803548 19609426722 19594235874 17920295482 1535567674 1689131240 X THE GOLDEN 1 CREDIT UNION DELIVERS EXCEPTIONAL FINANCIAL SERVICES AND SUPPORT TO EMPOWER OUR MEMBERS AND COMMUNITIES. THE PURPOSE OF THE CORPORATION IS TO ENGAGE IN CREDIT UNION BUSINESS AND ANY OTHER LAWFUL ACTIVITIES WHICH ARE NOT PROHIBITED TO A CREDIT UNION BY APPLICABLE LAWS OR REGULATIONS. 0 0 GOLDEN 1 OFFERS AN ARRAY OF DEPOSIT PRODUCTS TO OUR MEMBERSHIP, INCLUDING SAVINGS, CHECKING, MONEY MARKET, IRAS AND CERTIFICATES. WHILE EARNING COMPETITIVE DIVIDEND RATES, OUR MEMBERSHIP CAN ACCESS THEIR DEPOSITS THROUGH OUR BRANCH NETWORK, VIA AN ATM, ONLINE OR BY CALLING OUR MEMBER SERVICE CONTACT CENTER. GOLDEN 1 OFFERS AN ARRAY OF COMPETITIVE LOAN OPTIONS TO OUR MEMBERSHIP, INCLUDING NEW AND USED AUTO, FIRST MORTGAGE, HOME EQUITY, CREDIT CARD, PERSONAL AND COMMERCIAL REAL ESTATE LOANS. GOLDEN 1 STRIVES TO MAINTAIN COMPETITIVE PRICING AND A VARIETY OF LOAN PRODUCTS THAT MEET OUR MEMBER'S BORROWING NEEDS. MEMBERS CAN APPLY FOR LOANS IN A BRANCH, ONLINE, OR AT AN AUTO DEALERSHIP. GOLDEN 1 OFFERS OUR MEMBERS AN ARRAY OF INSURANCE AND INVESTMENT-RELATED PRODUCTS SUCH AS CREDIT LIFE/CREDIT DISABILITY, MECHANICAL BREAKDOWN INSURANCE, GUARANTEED ASSET PROTECTION ANDFINANCIAL CONSULTING. 0 0 1 0 0 0 0 0 0 1 1 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 240909 0 2592 1 1 1 0 0 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 X ALLYSON HILL EVPCFO 9167322900 8945 CAL CENTER DRIVE SACRAMENTO CA 95826 KERI L THOMAS DIRECTOR, CHAIR 6.00 0.00 X 0 0 0 AEISHA MASTAGNI DIRECTOR, VICE CHAIR 6.00 0.00 X 0 0 0 P CRAIG CORNETT DIRECTOR, SECRETARY/TREASURER 6.00 0.00 X 0 0 0 KEELY BOSLER DIRECTOR 6.00 0.00 X 0 0 0 TING LAN SUN DIRECTOR 6.00 0.00 X 0 0 0 CASSANDRA JENNINGS DIRECTOR 6.00 0.00 X 0 0 0 SAMANTHA LUI DIRECTOR 6.00 0.00 X 0 0 0 PARIS COLEMAN DIRECTOR 6.00 0.00 X 0 0 0 CRAIG BROWN DIRECTOR 6.00 0.00 X 0 0 0 DONNA BLAND PRESIDENT AND CEO 60.00 0.00 X 1780029 0 46411 DUSTIN LUTON SEVP - SENIOR EXECUTIVE VICE PRESIDENT 60.00 0.00 X 761297 0 55902 ALLYSON HILL EVP - CHIEF FINANCIAL OFFICER 60.00 0.00 X 589256 0 20700 JOHN M FISCHER EVP - CHIEF RETAIL OFFICER 60.00 0.00 X 570021 0 50719 DONALD HAMILTON EVP - CHIEF LENDING OFFICER 60.00 0.00 X 512836 0 46412 CHAD CARRINGTON SVP - CHIEF INFORMATION OFFICER 60.00 0.00 X 494905 0 21958 COURTNEY LINN EVP - HEAD OF LEGAL RISK AND COMPLIANCE 60.00 0.00 X 484682 0 59321 HEATHER ANDRADE-NEUMANN EVP - CHIEF PEOPLE OFFICER 60.00 0.00 X 459359 0 22630 EVGENIY TKACHUK EVP - CHIEF DIGITAL OFFICER 60.00 0.00 X 441844 0 63630 KYLE LONG SVP - CORPORATE STRATEGY 60.00 0.00 X 357426 0 54702 MICHAEL R DAUM SVP - CHIEF MARKETING OFFICER 60.00 0.00 X 356902 0 48248 RYAN KELLY SVP - CHIEF AUDIT EXECUTIVE 60.00 0.00 X 324810 0 47619 WALTER ANASOVITCH SVP - RISK OPERATIONS 60.00 0.00 X 311980 0 45090 WILLIAM POPPEN JR SVP - PRODUCT ANALYTICS AND RISK 60.00 0.00 X 306020 0 20458 ERICA TAYLOR SVP - COMMUNITY IMPACT AND PUBLIC RELATIONS OFFICE 60.00 0.00 X 286217 0 31839 BLAIR A BRAUD EVP - HEAD OF OPERATIONS 60.00 0.00 X 273259 0 22318 MATTHEW FIGUEROA VP - TREASURER AND INVESTMENT OFFICER 50.00 0.00 X 280007 0 31462 JOLEEN AYERS VP - ENTERPRISE RISK OFFICER 50.00 0.00 X 267026 0 53622 TATYANA KAZAK VP - CORPORATE COMPLIANCE 50.00 0.00 X 263985 0 22542 JEFFREY ROGERS SR COMMERCIAL LOAN OFFICER 50.00 0.00 X 1098202 0 63630 MICHAEL I HUNTLEY DIRECTOR - BUSINESS SERVICES 50.00 0.00 X 915499 0 66830 NIRMALYA MODAK HOME LOAN ADVISOR - EXTERNAL 50.00 0.00 X 607384 0 44544 QUOC K DO HOME LOAN ADVISOR - EXTERNAL 50.00 0.00 X 555136 0 63630 HARRIET CHANG-ROSSI MGR - EXTERNAL HL PRODUCTION 50.00 0.00 X 418415 0 29422 DOUGLAS AGUIAR SVP - CHIEF MARKETING OFFICER 50.00 0.00 X 105763 0 10596 KIRSTEN A MILLER DIRECTOR - INFORMATION SECURITY AND THIRD-PARTY RI 50.00 0.00 X 190520 0 9632 13012780 0 1053867 26 1 1 0 SACRAMENTO KINGS LP 500 J STREET 4TH FLOOR SACRAMENTO CA 95814 ADVERTISING 5000000 BEACON HILL SOLUTION GROUP LLC 152 BOWDOIN STREET BOSTON MA 02108 WORKFORCE SOLUTIONS 2910521 ALLIED UNIVERSAL SECURITY SRVCS PO BOX 31001-2374 PASADENA CA 911102374 SECURITY SERVICES 1425869 ACQUIS CORTICO-X LLC 299 BROADWAY STE 1200 NEW YORK NY 10097 CONSULTING 742006 EARLY WARNING SERVICES LLC 5801 N PIMA ROAD SCOTTSDALE AZ 85250 FINANCIAL RISK MANAGEMENT 625307 87 INTEREST INCOME - LOAN 522200 745306784 745306784 745306784 142864280 142864280 136048000 183000 134563241 20163 1484759 162837 1647596 1647596 DEBIT CARD INCOME 522100 32788678 32788678 STAR NETWORK FEE INCOM 522100 20807975 20807975 CHECKING ACCOUNTS FEE 522100 12413447 12413447 33916513 21089645 12826868 99926613 989745273 976918405 12826868 0 14066647 173700962 12823316 22292151 13715756 1738573 809500 8399472 22119721 20258998 25620950 21739247 1051437 1647560 61256503 18731666 949409 DISBURSEMENTS TO MEMBER 263086575 PROVISION FOR LOAN LOSS 112808807 PRODUCT SERVICES 32321601 ATM EXPENSES 24610786 30075607 883825244 177419178 127531395 2257509870 548250550 16673928 16835874 13766983594 14452455347 232329614 170027820 66939297 62301794 3908928983 3353078631 935348698 1048973131 21129803548 19609426722 21570562 27266997 19572665312 17893028485 19594235874 17920295482 X 0 0 0 0 1535567674 1689131240 1535567674 1689131240 21129803548 19609426722 X 105920029 795574 46847963 X 0 1 X 1 0 50000 50000 50000 1 CA CREDIT UNION LEAGUE PAC 855 EAST GUASTI ROAD SUITE 202 ONTARIO CA 91761 942329967 25000 0 AMERICA'S CREDIT UNIONS NATIONAL ADVOCACY FUND PO BOX 78546 MILWAUKEE WI 53278 237065623 25000 0 PART I-A, LINE 1: FORM 990 SCHEDULE C, PART 1-A, LINE 1 THE GOLDEN 1 CREDIT UNION CONTRIBUTED TO THE CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE (PAC) AND AMERICA'S CREDIT UNIONS NATIONAL ADVOCACY FUND DURING 2024. 7837043 7837043 62757104 34830702 27926402 161735467 135197118 26538349 0 62301794 US GOVERNMENT AGENCY OBL.-AFS 2830899210 F US GOVERNMENT AGENCY OBL.-HTM 522179421 C 3353078631 PAYROLL DEDUCTION/ACH RECEIVABLE 742057153 OTHER ASSETS 96046392 DEPOSIT IN NCUSIF 158196699 ACCRUED INCOME 52672887 1048973131 SHARE DRAFTS AND MM ACCOUNTS 7975635893 REGULAR SHARES 3775489362 TERM SHARE CERTIFICATES 218970584 OTHER LIABILITIES 5622932646 OTHER DEPOSITS 300000000 17893028485 X 990540847 795574 795574 989745273 0 989745273 883825244 0 883825244 0 883825244 PART X, LINE 2: ASC TOPIC 740, INCOME TAXES, PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR FINANCIAL STATEMENT DISCLOSURE OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN ON A TAX RETURN. RECOGNITION OF A TAX POSITION IS DETERMINED WHEN IT IS MORE LIKELY THAN NOT THAT A TAX POSITION WILL BE SUSTAINED ON EXAMINATION BY THE TAXING AUTHORITIES, INCLUDING RESOLUTION OF ANY RELATED APPEALS OR LITIGATION PROCESSES. A TAX POSITION THAT MEETS THE MORE LIKELY THAN NOT RECOGNITION THRESHOLD IS MEASURED AT THE LARGEST AMOUNT OF BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED UPON ULTIMATE SETTLEMENT WITH A TAXING AUTHORITY. THE CREDIT UNION DID NOT HAVE ANY UNRECOGNIZED TAX BENEFITS OR OBLIGATIONS AS OF DECEMBER 31, 2024 AND 2023. X 1 1 X X X X 1 1 0 DONNA BLAND PRESIDENT AND CEO 1052019 0 623333 0 104677 0 20700 0 25711 0 1826440 0 0 0 JEFFREY ROGERS SR COMMERCIAL LOAN OFFICER 94252 0 972843 0 31107 0 20700 0 42930 0 1161832 0 0 0 MICHAEL I HUNTLEY DIRECTOR - BUSINESS SERVICES 166695 0 716498 0 32306 0 20700 0 46130 0 982329 0 0 0 DUSTIN LUTON SEVP - SENIOR EXECUTIVE VICE PRESIDE 485788 0 195839 0 79670 0 20700 0 35202 0 817199 0 0 0 NIRMALYA MODAK HOME LOAN ADVISOR - EXTERNAL 3761 0 573056 0 30567 0 20700 0 23844 0 651928 0 0 0 JOHN M FISCHER EVP - CHIEF RETAIL OFFICER 399219 0 110570 0 60232 0 20700 0 30019 0 620740 0 0 0 QUOC K DO HOME LOAN ADVISOR - EXTERNAL 4043 0 527965 0 23128 0 20700 0 42930 0 618766 0 0 0 ALLYSON HILL EVP - CHIEF FINANCIAL OFFICER 405819 0 110560 0 72877 0 20700 0 0 0 609956 0 0 0 DONALD HAMILTON EVP - CHIEF LENDING OFFICER 392564 0 62489 0 57783 0 20700 0 25712 0 559248 0 0 0 COURTNEY LINN EVP - HEAD OF LEGAL RISK AND COMPLIA 348708 0 77714 0 58260 0 20700 0 38621 0 544003 0 0 0 CHAD CARRINGTON SVP - CHIEF INFORMATION OFFICER 362949 0 77250 0 54706 0 20700 0 1258 0 516863 0 0 0 EVGENIY TKACHUK EVP - CHIEF DIGITAL OFFICER 345809 0 67171 0 28864 0 20700 0 42930 0 505474 0 0 0 HEATHER ANDRADE-NEUMANN EVP - CHIEF PEOPLE OFFICER 319580 0 83260 0 56519 0 20700 0 1930 0 481989 0 0 0 HARRIET CHANG-ROSSI MGR - EXTERNAL HL PRODUCTION 39462 0 344511 0 34442 0 20700 0 8722 0 447837 0 0 0 KYLE LONG SVP - CORPORATE STRATEGY 251334 0 74099 0 31993 0 20700 0 34002 0 412128 0 0 0 MICHAEL R DAUM SVP - CHIEF MARKETING OFFICER 281511 0 15250 0 60141 0 17381 0 30867 0 405150 0 0 0 RYAN KELLY SVP - CHIEF AUDIT EXECUTIVE 274757 0 39188 0 10865 0 20387 0 27232 0 372429 0 0 0 WALTER ANASOVITCH SVP - RISK OPERATIONS 237294 0 41287 0 33399 0 19378 0 25712 0 357070 0 0 0 WILLIAM POPPEN JR SVP - PRODUCT ANALYTICS AND RISK 237855 0 0 0 68165 0 16200 0 4258 0 326478 0 0 0 JOLEEN AYERS VP - ENTERPRISE RISK OFFICER 211632 0 34922 0 20472 0 17017 0 36605 0 320648 0 0 0 ERICA TAYLOR SVP - COMMUNITY IMPACT AND PUBLIC RE 216308 0 33309 0 36600 0 16468 0 15371 0 318056 0 0 0 MATTHEW FIGUEROA VP - TREASURER AND INVESTMENT OFFICE 224504 0 26464 0 29039 0 16141 0 15321 0 311469 0 0 0 BLAIR A BRAUD EVP - HEAD OF OPERATIONS 214667 0 35000 0 23592 0 12946 0 9372 0 295577 0 0 0 TATYANA KAZAK VP - CORPORATE COMPLIANCE 205505 0 0 0 58480 0 13454 0 9088 0 286527 0 0 0 KIRSTEN A MILLER DIRECTOR - INFORMATION SECURITY AND 144495 0 12240 0 33785 0 9632 0 0 0 200152 0 0 0 DOUGLAS AGUIAR SVP - CHIEF MARKETING OFFICER 16998 0 28000 0 60765 0 4290 0 6306 0 116359 0 0 0 FORM 990, SCHEDULE J, PART I, LINE 1A THE CREDIT UNION WILL REIMBURSE A DIRECTOR FOR REASONABLE ACTUAL EXPENSES INCURRED IN CONNECTION WITH ATTENDING APPROVED CONFERENCES, SEMINARS, AND OTHER BUSINESS FUNCTIONS. REIMBURSEMENT MAY INCLUDE EXPENSES FOR ONE IMMEDIATE FAMILY MEMBER TO FACILITATE TRAVEL TO AND FROM SUCH EVENT PER GOLDEN 1'S BOARD TRAVEL POLICY. FORM 990, SCHEDULE J, PART I, LINE 4A TWO VICE PRESIDENTS RECEIVED SEVERANCE PAYMENTS IN 2024. FORM 990, SCHEDULE J, PART I, LINE 4B DONNA BLAND, PRESIDENT AND CEO, AND ONE CURRENT AND TWO FORMER EXECUTIVE VICE PRESIDENTS PARTICIPATE IN A SPLIT DOLLAR LIFE INSURANCE PLAN AS APPROVED BY THE BOARD OF DIRECTORS. DONNA BLAND CEO SPLIT DOLLAR LOAN X 6752218 7968561 0 1 1 RICHARD MUSCI FORMER EVP SPLIT DOLLAR LOAN X 1933000 2274735 0 1 1 TOM GENESSY FORMER EVP SPLIT DOLLAR LOAN X 3860500 3301215 0 1 1 DUSTIN LUTON SEVP SPLIT DOLLAR LOAN X 2810000 3291363 0 1 1 16835874 FORM 990, PART IV, LINE 26 LOANS FROM THE CREDIT UNION TO INTERESTED PERSONS WERE MADE ON THE SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 6 THE GOLDEN 1 CREDIT UNION PROVIDES FINANCIAL SERVICES FOR ITS REGULATORY-PERMISSIBLE FIELD OF MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7A THE GOLDEN 1 CREDIT UNION MEMBERS HAVE THE RIGHT TO VOTE FOR THE ELECTION OF DIRECTORS. THE GOLDEN 1 HAS ONE CLASS OF MEMBERS THAT SHALL BE RESTRICTED TO THE PERSONS AND ORGANIZATIONS HAVING SPECIFIC AFFILIATIONS OR IDENTIFYING CHARACTERISTICS ESTABLISHED BY THE BOARD OF DIRECTORS IN OUR FIELD OF MEMBERSHIP. THE GOLDEN 1'S FIELD OF MEMBERSHIP INCLUDES PERSONS WHO LIVE AND/OR REGULARLY WORK IN ONE OF OUR REGULATORY-PERMISSIBLE COMMUNITY CHARTER COUNTIES AND EMPLOYEES AND IMMEDIATE FAMILY MEMBERS OF OUR REGULATORY-PERMISSIBLE ORGANIZATIONS. FORM 990, PART VI, SECTION A, LINE 7B THE GOLDEN 1 CREDIT UNION MEMBERS, BY A TWO-THIRDS (2/3) VOTE, SHALL HAVE THE POWER TO REVIEW THE ACTS AND REVERSE THE DECISIONS OF THE BOARD OF DIRECTORS OF THIS CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 11B A COMMITTEE OF THE GOLDEN 1 BOARD OF DIRECTORS WAS DESIGNATED TO REVIEW THE FORM 990, IN ADVANCE OF THE OCTOBER 30, 2025 GOLDEN 1 BOARD MEETING. THE COMMITTEE OF BOARD MEMBERS APPROVED THE 2024 FORM 990 ON OCTOBER 22, 2025. COPIES OF THE 2024 FORM 990 WERE PROVIDED TO THE FULL GOLDEN 1 BOARD IN ADVANCE OF THE FILING. FORM 990, PART VI, SECTION B, LINE 12C IN ACCORDANCE WITH BOARD POLICY, THE GOLDEN 1 REQUIRES ALL ELECTED OFFICIALS, COMMITTEE MEMBERS, OFFICERS, MANAGERS AND OTHER KEY EMPLOYEES DESIGNATED BY THE CHIEF EXECUTIVE OFFICE TO RECEIVE, COMPLETE, AND SIGN AN ANNUAL STATEMENT OF DISCLOSURE FORM. THE STATEMENT OF DISCLOSURE ASKS A SERIES OF QUESTIONS PERTAINING TO POTENTIAL CONFLICTS OF INTEREST. THE GOLDEN 1 ADMINISTRATION DEPARTMENT COORDINATES THE DISTRIBUTION, COLLECTION AND EXCEPTION REVIEW OF THE COMPLETED STATEMENTS. GOLDEN 1'S INTERNAL AUDIT DEPARTMENT PERFORMS AN ANNUAL AUDIT OF THE STATEMENT OF DISCLOSURES TO ENSURE COMPLIANCE WITH BOARD POLICY, TIMELINESS OF THE PROCESS AND APPROPRIATE REVIEW OF COMPLETED STATEMENTS. ON AN ANNUAL BASIS, THE BOARD ALSO REVIEWS AND APPROVES THE RELATED BOARD POLICY AND STATEMENT OF DISCLOSURE FORM. FORM 990, PART VI, SECTION B, LINE 15 OFFICERS OF THE GOLDEN 1 CREDIT UNION INCLUDE THE CHIEF EXECUTIVE OFFICER (CEO), EXECUTIVE VICE PRESIDENTS (EVPS), AND SENIOR VICE PRESIDENTS (SVPS). THE COMPENSATION REVIEW PROCESS FOR OFFICERS IS AS FOLLOWS: CEO COMPENSATION: A COMMITTEE CONSISTING OF FOUR MEMBERS FROM THE BOARD OF DIRECTORS (CALLED THE CEO COMPENSATION COMMITTEE) IS FORMED EACH YEAR TO REVIEW CEO COMPENSATION. THE CHAIRMAN OF THIS COMMITTEE DIRECTS THE EVP/CHIEF PEOPLE OFFICER TO PROVIDE PAY TREND INFORMATION FOR REVIEW AND CONSIDERATION TAKING INTO CONSIDERATION ASSET SIZE, BUSINESS SCOPE, AND OVERALL COMPLEXITY OF THE OPERATIONS. SIMILAR INDUSTRY AND BANKING SURVEYS ARE USED FOR COMPARISON PURPOSES. THE RESULTS, WHICH ARE PROVIDED TO THE COMMITTEE, COMPARE BENCHMARK BASE PAY, INCENTIVE PAY, AND TOTAL COMPENSATION TO GOLDEN 1'S CURRENT CEO COMPENSATION PACKAGE. AFTER REVIEW AND CONSIDERATION, THE COMMITTEE PROVIDES A RECOMMENDATION TO THE FULL BOARD OF DIRECTORS FOR APPROVAL. THE DECISION IS DOCUMENTED CONTEMPOARENOUSLY AND MAINTAINED IN HUMAN RESOURCES. EVP/SVP COMPENSATION: A SIMILAR ANALYSIS IS PERFORMED FOR THE EVPS/SVPS AS REQUESTED BY THE PRESIDENT & CEO. SIMILAR INDUSTRY AND BANKING SURVEYS ARE USED AS REFERENCED ABOVE. AN OVERALL COMPETITIVE ANALYSIS IS PERFORMED BY THE EVP/CHIEF PEOPLE OFFICER AND THE RESULTS AND SUPPORTING DOCUMENTATION ARE PRESENTED TO THE CEO. FORM 990, PART VI, SECTION C, LINE 19 THE GOLDEN 1 CREDIT UNION'S FORM 990 WILL BE AVAILABLE ON GUIDESTAR.ORG FOR PUBLIC INSPECTION. THE GOLDEN 1 CREDIT UNION'S QUARTERLY NATIONAL CREDIT UNION ADMINISTRATION (NCUA) CALL 5300 REPORT CONTAINS FINANCIAL AND STATISTICAL DATA. THIS REGULATORY REPORT IS AVAILABLE FOR PUBLIC INSPECTION ONLINE AT NCUA.GOV. GOLDEN 1'S ANNUAL REPORT IS PUBLICALLY AVAILABLE ON OUR WEBSITE AT GOLDEN1.COM. GOLDEN 1 MEMBERS MAY REQUEST COPIES OF FINANCIAL STATEMENTS BY CALLING OUR MEMBER SERVICE CONTACT CENTER. FORM 990, PART XI, LINE 9: CHANGE IN COMPREHENSIVE LOSS 46,847,963.