401k Plan data: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST plan

BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 401k Plan overview

Plan Name	BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST
Plan identification number	002

BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

BAY BANK, FSB has sponsored the creation of one or more 401k plans.

Company Name: BAY BANK, FSB

Employer identification number (EIN): 273003282

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about BAY BANK, FSB

Jurisdiction of Incorporation: Maryland Secretary of State

Incorporation Date:

Company Identification Number: F14034532

More information about BAY BANK, FSB

Form 5500 Filing Information

Submission information for form 5500 for 401k plan BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2018-01-01 CATHY COUGHLIN CATHY COUGHLIN 2019-07-09
002 2018-01-01
002 2017-01-01 CATHY COUGHLIN
002 2017-01-01 2018-10-09
002 2016-01-01 LISA BEHUNCIK
002 2015-01-01 LISA BEHUNCIK
002 2014-01-01 CATHERINE A. REGAN
002 2013-01-01 CATHERINE A. REGAN

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
002	2018-01-01	CATHY COUGHLIN		CATHY COUGHLIN	2019-07-09
002	2018-01-01
002	2017-01-01	CATHY COUGHLIN
002	2017-01-01		2018-10-09
002	2016-01-01	LISA BEHUNCIK
002	2015-01-01	LISA BEHUNCIK
002	2014-01-01	CATHERINE A. REGAN
002	2013-01-01	CATHERINE A. REGAN

Plan Statistics for BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST

401k plan membership statisitcs for BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST

Measure Date Value
2018: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2018 401k membership
Total participants, beginning-of-year 2018-01-01 181
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 0
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 0
Total of all active and inactive participants 2018-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 0
Number of participants with account balances 2018-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year 2017-01-01 179
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 125
Number of retired or separated participants receiving benefits 2017-01-01 1
Number of other retired or separated participants entitled to future benefits 2017-01-01 55
Total of all active and inactive participants 2017-01-01 181
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 181
Number of participants with account balances 2017-01-01 170
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year 2016-01-01 164
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 122
Number of retired or separated participants receiving benefits 2016-01-01 1
Number of other retired or separated participants entitled to future benefits 2016-01-01 54
Total of all active and inactive participants 2016-01-01 177
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 177
Number of participants with account balances 2016-01-01 163
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 1
2015: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year 2015-01-01 213
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 100
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 48
Total of all active and inactive participants 2015-01-01 148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 148
Number of participants with account balances 2015-01-01 148
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year 2014-01-01 217
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 169
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 44
Total of all active and inactive participants 2014-01-01 213
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 213
Number of participants with account balances 2014-01-01 139
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year 2013-01-01 166
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 150
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 58
Total of all active and inactive participants 2013-01-01 208
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 208
Number of participants with account balances 2013-01-01 166
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 1

Measure	Date	Value
2018: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2018 401k membership
Total participants, beginning-of-year	2018-01-01	181
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	0
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	0
Total of all active and inactive participants	2018-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	0
Number of participants with account balances	2018-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year	2017-01-01	179
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	125
Number of retired or separated participants receiving benefits	2017-01-01	1
Number of other retired or separated participants entitled to future benefits	2017-01-01	55
Total of all active and inactive participants	2017-01-01	181
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	181
Number of participants with account balances	2017-01-01	170
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year	2016-01-01	164
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	122
Number of retired or separated participants receiving benefits	2016-01-01	1
Number of other retired or separated participants entitled to future benefits	2016-01-01	54
Total of all active and inactive participants	2016-01-01	177
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	177
Number of participants with account balances	2016-01-01	163
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	1
2015: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year	2015-01-01	213
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	100
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	48
Total of all active and inactive participants	2015-01-01	148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	148
Number of participants with account balances	2015-01-01	148
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year	2014-01-01	217
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	169
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	44
Total of all active and inactive participants	2014-01-01	213
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	213
Number of participants with account balances	2014-01-01	139
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year	2013-01-01	166
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	150
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	58
Total of all active and inactive participants	2013-01-01	208
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	208
Number of participants with account balances	2013-01-01	166
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	1

Financial Data on BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST

Measure	Date	Value
2018 : BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2018 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2018-08-13	$-63,161
Total unrealized appreciation/depreciation of assets	2018-08-13	$-63,161
Total transfer of assets from this plan	2018-08-13	$7,728,496
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-08-13	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-08-13	$0
Total income from all sources (including contributions)	2018-08-13	$611,196
Total loss/gain on sale of assets	2018-08-13	$75,856
Total of all expenses incurred	2018-08-13	$1,234,168
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-08-13	$1,192,010
Value of total corrective distributions	2018-08-13	$11,579
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-08-13	$339,517
Value of total assets at end of year	2018-08-13	$0
Value of total assets at beginning of year	2018-08-13	$8,351,468
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-08-13	$30,579
Total interest from all sources	2018-08-13	$16,248
Total dividends received (eg from common stock, registered investment company shares)	2018-08-13	$22,570
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-08-13	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2018-08-13	$0
Total dividends received from registered investment company shares (eg mutual funds)	2018-08-13	$22,570
Was this plan covered by a fidelity bond	2018-08-13	Yes
Value of fidelity bond cover	2018-08-13	$5,000,000
If this is an individual account plan, was there a blackout period	2018-08-13	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-08-13	$0
Were there any nonexempt tranactions with any party-in-interest	2018-08-13	No
Contributions received from participants	2018-08-13	$279,726
Participant contributions at end of year	2018-08-13	$0
Participant contributions at beginning of year	2018-08-13	$145,478
Other income not declared elsewhere	2018-08-13	$32,573
Administrative expenses (other) incurred	2018-08-13	$30,579
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-08-13	No
Value of net income/loss	2018-08-13	$-622,972
Value of net assets at end of year (total assets less liabilities)	2018-08-13	$0
Value of net assets at beginning of year (total assets less liabilities)	2018-08-13	$8,351,468
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-08-13	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-08-13	No
Were any leases to which the plan was party in default or uncollectible	2018-08-13	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-08-13	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-08-13	$5,802,431
Interest on participant loans	2018-08-13	$2,690
Interest earned on other investments	2018-08-13	$13,558
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-08-13	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-08-13	$2,125,581
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-08-13	$187,593
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-08-13	No
Was there a failure to transmit to the plan any participant contributions	2018-08-13	No
Has the plan failed to provide any benefit when due under the plan	2018-08-13	No
Assets. Invements in employer securities at end of year	2018-08-13	$0
Assets. Invements in employer securities at beginning of year	2018-08-13	$105,175
Contributions received in cash from employer	2018-08-13	$59,791
Employer contributions (assets) at end of year	2018-08-13	$0
Employer contributions (assets) at beginning of year	2018-08-13	$172,803
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-08-13	$1,192,010
Did the plan have assets held for investment	2018-08-13	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-08-13	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-08-13	Yes
Aggregate proceeds on sale of assets	2018-08-13	$117,959
Aggregate carrying amount (costs) on sale of assets	2018-08-13	$42,103
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-08-13	Yes
Opinion of an independent qualified public accountant for this plan	2018-08-13	Disclaimer
Accountancy firm name	2018-08-13	ROWLES AND COMPANY, LLP
Accountancy firm EIN	2018-08-13	520630619
2017 : BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$49,330
Total unrealized appreciation/depreciation of assets	2017-12-31	$49,330
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$1,966,749
Total loss/gain on sale of assets	2017-12-31	$4,630
Total of all expenses incurred	2017-12-31	$1,512,637
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$1,479,960
Value of total corrective distributions	2017-12-31	$3
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$938,854
Value of total assets at end of year	2017-12-31	$8,351,468
Value of total assets at beginning of year	2017-12-31	$7,897,356
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$32,674
Total interest from all sources	2017-12-31	$24,844
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$61,035
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$61,035
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$680,307
Participant contributions at end of year	2017-12-31	$145,478
Participant contributions at beginning of year	2017-12-31	$80,853
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$85,744
Other income not declared elsewhere	2017-12-31	$16,141
Administrative expenses (other) incurred	2017-12-31	$32,674
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$454,112
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$8,351,468
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$7,897,356
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$5,802,431
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$5,345,309
Interest on participant loans	2017-12-31	$4,190
Interest earned on other investments	2017-12-31	$20,654
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$2,125,581
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$2,255,722
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$871,915
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$105,175
Assets. Invements in employer securities at beginning of year	2017-12-31	$68,216
Contributions received in cash from employer	2017-12-31	$172,803
Employer contributions (assets) at end of year	2017-12-31	$172,803
Employer contributions (assets) at beginning of year	2017-12-31	$147,256
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$1,479,960
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Aggregate proceeds on sale of assets	2017-12-31	$19,649
Aggregate carrying amount (costs) on sale of assets	2017-12-31	$15,019
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	ROWLES AND COMPANY, LLP
Accountancy firm EIN	2017-12-31	520630619
2016 : BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$17,312
Total unrealized appreciation/depreciation of assets	2016-12-31	$17,312
Total transfer of assets to this plan	2016-12-31	$1,238,988
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,104,316
Total loss/gain on sale of assets	2016-12-31	$3,724
Total of all expenses incurred	2016-12-31	$2,388,757
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$2,344,168
Value of total corrective distributions	2016-12-31	$15,136
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$807,636
Value of total assets at end of year	2016-12-31	$7,897,356
Value of total assets at beginning of year	2016-12-31	$7,942,809
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$29,453
Total interest from all sources	2016-12-31	$20,706
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$66,125
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$66,125
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$586,014
Participant contributions at end of year	2016-12-31	$80,853
Participant contributions at beginning of year	2016-12-31	$124,194
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$74,366
Other income not declared elsewhere	2016-12-31	$19,094
Administrative expenses (other) incurred	2016-12-31	$29,453
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$-1,284,441
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$7,897,356
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$7,942,809
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$5,345,309
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$6,170,875
Interest on participant loans	2016-12-31	$3,287
Interest earned on other investments	2016-12-31	$17,417
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2016-12-31	$2
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$2,255,722
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$1,579,552
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$169,719
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$68,216
Assets. Invements in employer securities at beginning of year	2016-12-31	$0
Contributions received in cash from employer	2016-12-31	$147,256
Employer contributions (assets) at end of year	2016-12-31	$147,256
Employer contributions (assets) at beginning of year	2016-12-31	$68,188
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$2,344,168
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Aggregate proceeds on sale of assets	2016-12-31	$31,231
Aggregate carrying amount (costs) on sale of assets	2016-12-31	$27,507
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	ROWLES AND COMPANY, LLP
Accountancy firm EIN	2016-12-31	520630619
2015 : BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$795,050
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$2,053,182
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$1,997,720
Value of total corrective distributions	2015-12-31	$30,269
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$683,576
Value of total assets at end of year	2015-12-31	$7,942,809
Value of total assets at beginning of year	2015-12-31	$9,200,941
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$25,193
Total interest from all sources	2015-12-31	$20,419
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$75,440
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$75,440
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$535,023
Participant contributions at end of year	2015-12-31	$124,194
Participant contributions at beginning of year	2015-12-31	$126,377
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$80,365
Other income not declared elsewhere	2015-12-31	$21,447
Administrative expenses (other) incurred	2015-12-31	$25,193
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$-1,258,132
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$7,942,809
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$9,200,941
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$6,170,875
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$7,096,822
Interest on participant loans	2015-12-31	$3,616
Interest earned on other investments	2015-12-31	$16,803
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$1,579,552
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$1,977,742
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-5,832
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$68,188
Employer contributions (assets) at end of year	2015-12-31	$68,188
Employer contributions (assets) at beginning of year	2015-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$1,997,720
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	ROWLES AND COMPANY, LLP
Accountancy firm EIN	2015-12-31	520630619
2014 : BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$1,010,007
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$2,990,967
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$2,938,988
Value of total corrective distributions	2014-12-31	$23,217
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$516,412
Value of total assets at end of year	2014-12-31	$9,200,941
Value of total assets at beginning of year	2014-12-31	$11,181,901
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$28,762
Total interest from all sources	2014-12-31	$25,601
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$76,475
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$76,475
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$4,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$446,238
Participant contributions at end of year	2014-12-31	$126,377
Participant contributions at beginning of year	2014-12-31	$422,696
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$70,174
Other income not declared elsewhere	2014-12-31	$23,689
Administrative expenses (other) incurred	2014-12-31	$28,762
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$-1,980,960
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$9,200,941
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$11,181,901
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$7,096,822
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$8,053,637
Interest on participant loans	2014-12-31	$5,869
Interest earned on other investments	2014-12-31	$19,732
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$1,977,742
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$2,705,568
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$367,830
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$2,938,988
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	ROWLES AND COMPANY, LLP
Accountancy firm EIN	2014-12-31	520630619
2013 : BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total transfer of assets to this plan	2013-12-31	$1,465,270
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$2,007,510
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$935,947
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$910,814
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$577,502
Value of total assets at end of year	2013-12-31	$11,181,901
Value of total assets at beginning of year	2013-12-31	$8,645,068
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$25,133
Total interest from all sources	2013-12-31	$40,548
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$67,744
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$67,744
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$4,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$562,632
Participant contributions at end of year	2013-12-31	$422,696
Participant contributions at beginning of year	2013-12-31	$455,483
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$14,870
Other income not declared elsewhere	2013-12-31	$21,097
Administrative expenses (other) incurred	2013-12-31	$25,133
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$1,071,563
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$11,181,901
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$8,645,068
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$8,053,637
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$5,711,027
Interest on participant loans	2013-12-31	$13,244
Interest earned on other investments	2013-12-31	$27,304
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$2,705,568
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$2,478,558
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$1,300,619
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$910,814
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	ROWLES AND COMPANY, LLP
Accountancy firm EIN	2013-12-31	520630619

Form 5500 Responses for BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST

2018: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	Yes
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	Yes
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: BAY BANK, FSB 401(K) SAVINGS PLAN AND TRUST 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

041601

Policy instance

Insurance contract or identification number	041601
Number of Individuals Covered	0
Insurance policy start date	2018-01-01
Insurance policy end date	2018-08-13
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

041601

Policy instance

Insurance contract or identification number	041601
Number of Individuals Covered	181
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

41601

Policy instance

Insurance contract or identification number	41601
Number of Individuals Covered	148
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

41601

Policy instance

Insurance contract or identification number	41601
Number of Individuals Covered	213
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

41601

Policy instance

Insurance contract or identification number	41601
Number of Individuals Covered	208
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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Company Name:	BAY BANK, FSB
Employer identification number (EIN):	273003282
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Maryland Secretary of State
Incorporation Date:
Company Identification Number:	F14034532