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      <PrimaryExemptPurposeTxt>THE RISK MANAGEMENT ASSOCIATION (RMA), AN AFFILIATE DRIVEN PROFESSIONAL ASSOCIATION, HELPS BANKING AND NON-BANKING INSTITUTIONS IDENTIFY AND MANAGE THE IMPACTS OF CREDIT RISK, OPERATIONAL RISK, AND MARKET RISK ON THEIR BUSINESSES AND CUSTOMERS. WE ACHIEVE THIS GOAL THROUGH EDUCATION, RESEARCH, NETWORKING, AND LEADERSHIP OPPORTUNITIES.</PrimaryExemptPurposeTxt>
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        <DescriptionProgramSrvcAccomTxt>TO ADVANCE SOUND RISK PRINCIPLES IN THE FINANCIAL SERVICES INDUSTRY TO IMPROVE INSTITUTIONAL PERFORMANCE AND FINANCIAL STABILITY, AS WELL AS ENHANCE THE RISK COMPETENCY OF INDIVIDUALS THROUGH INFORMATION, EDUCATION, PEER SHARING, AND NETWORKING. EACH YEAR THE RMA MINNESOTA CHAPTER OFFERS THE COMMERCIAL LENDING ACADEMY. SINCE THE PROGRAM'S INCEPTION, OVER 300 LENDERS, CREDIT ANALYSTS AND FINANCIAL INDUSTRY PROFESSIONALS FROM MORE THAN 65 INSTITUTIONS IN THE MIDWEST HAVE GRADUATED FROM THE ACADEMY. OUR PROGRAM PROVIDES A COMPREHENSIVE OVERVIEW TO THE VARIOUS ASPECTS OF THE COMMERCIAL LOAN UNDERWRITING AND MANAGEMENT PROCESS.</DescriptionProgramSrvcAccomTxt>
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        <PersonNm>ROBIN TURNER</PersonNm>
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        <PersonNm>BRETT LAWRENCE</PersonNm>
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        <PersonNm>PAUL DRAPER</PersonNm>
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        <PersonNm>TONY TODERO</PersonNm>
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        <PersonNm>PAULA WILLIAMS</PersonNm>
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        <PersonNm>RYAN NELSON</PersonNm>
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        <PersonNm>DAN RYAN</PersonNm>
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        <ExplanationTxt>EXPENSES CONFERENCE/MEETINGS 3,392 INSURANCE 1,621 INSTRUCTOR FEES 22,933 ADMINISTRATIVE SERVICES 14,980 MISCELLANEOUS 4,401 MERCHANT SERVICES 5,776 BANK CHARGES 2,528 YP PROGRAM EXPENSES 6,319 MEALS &amp; REFRESHMENTS 19,061 RECOGNITION AWARDS 2,342 MATERIALS 1,113 SUPPLIES 75 FACILITIES CHARGE 17,728 TOTAL 102,269</ExplanationTxt>
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        <ExplanationTxt>ACCOUNTS PAYABLE AND ACCRUED EXPENSES 2,324 2,021 DEFERRED REVENUE 30,892 24,761</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990-EZ, PART III</FormAndLineReferenceDesc>
        <ExplanationTxt>THE RISK MANAGEMENT ASSOCIATION (RMA), AN AFFILIATE DRIVEN PROFESSIONAL ASSOCIATION, HELPS BANKING AND NON-BANKING INSTITUTIONS IDENTIFY AND MANAGE THE IMPACTS OF CREDIT RISK, OPERATIONAL RISK, AND MARKET RISK ON THEIR BUSINESSES AND CUSTOMERS. WE ACHIEVE THIS GOAL THROUGH EDUCATION, RESEARCH, NETWORKING, AND LEADERSHIP OPPORTUNITIES.</ExplanationTxt>
      </SupplementalInformationDetail>
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        <FormAndLineReferenceDesc>FORM 990-EZ, PART III, LINE 28</FormAndLineReferenceDesc>
        <ExplanationTxt>TO ADVANCE SOUND RISK PRINCIPLES IN THE FINANCIAL SERVICES INDUSTRY TO IMPROVE INSTITUTIONAL PERFORMANCE AND FINANCIAL STABILITY, AS WELL AS ENHANCE THE RISK COMPETENCY OF INDIVIDUALS THROUGH INFORMATION, EDUCATION, PEER SHARING, AND NETWORKING. EACH YEAR THE RMA MINNESOTA CHAPTER OFFERS THE COMMERCIAL LENDING ACADEMY. SINCE THE PROGRAM'S INCEPTION, OVER 300 LENDERS, CREDIT ANALYSTS AND FINANCIAL INDUSTRY PROFESSIONALS FROM MORE THAN 65 INSTITUTIONS IN THE MIDWEST HAVE GRADUATED FROM THE ACADEMY. OUR PROGRAM PROVIDES A COMPREHENSIVE OVERVIEW TO THE VARIOUS ASPECTS OF THE COMMERCIAL LOAN UNDERWRITING AND MANAGEMENT PROCESS.</ExplanationTxt>
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