401k Plan data: PUERTO RICO FINANCIAL RETIREMENT PLAN plan

PUERTO RICO FINANCIAL RETIREMENT PLAN 401k Plan overview

Plan Name	PUERTO RICO FINANCIAL RETIREMENT PLAN
Plan identification number	003

PUERTO RICO FINANCIAL RETIREMENT PLAN Benefits

401k Plan Type	Defined Benefit Pension
Plan Features/Benefits	Benefits are primarily pay related Covered by PBGC - Plan is covered under the PBGC insurance program (see ERISA section 4021). Plan not intended to be qualified - A plan not intended to be qualified under Code sections 401, 403, or 408. Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

RELIABLE FINANCIAL SERVICES, INC. has sponsored the creation of one or more 401k plans.

Company Name: RELIABLE FINANCIAL SERVICES, INC.

Employer identification number (EIN): 660436232

NAIC Classification: 522291
NAIC Description: Consumer Lending

Additional information about RELIABLE FINANCIAL SERVICES, INC.

Jurisdiction of Incorporation: California Department of State

Incorporation Date: 2003-12-19

Company Identification Number: C2568385

Legal Registered Office Address: 2004 B Covillaud # 202

Marysville
United States of America (USA)
95901

More information about RELIABLE FINANCIAL SERVICES, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan PUERTO RICO FINANCIAL RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2015-01-01 LIZA M. SILVA ESTERRICH JOSE CAMPINS PANADES 2016-09-21
003 2014-01-01 LIZA M. SILVA ESTERRICH JOSE CAMPINS PANADES 2015-07-09
003 2013-01-01 LIZA M. SILVA ESTERRICH
003 2012-01-01 BRUCE MILLER
003 2011-01-01 BRUCE MILLER
003 2009-01-01 BRUCE MILLER

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
003	2015-01-01	LIZA M. SILVA ESTERRICH	JOSE CAMPINS PANADES	2016-09-21
003	2014-01-01	LIZA M. SILVA ESTERRICH	JOSE CAMPINS PANADES	2015-07-09
003	2013-01-01	LIZA M. SILVA ESTERRICH
003	2012-01-01	BRUCE MILLER
003	2011-01-01	BRUCE MILLER
003	2009-01-01	BRUCE MILLER

Plan Statistics for PUERTO RICO FINANCIAL RETIREMENT PLAN

401k plan membership statisitcs for PUERTO RICO FINANCIAL RETIREMENT PLAN

Measure Date Value
2015: PUERTO RICO FINANCIAL RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 1,639
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 349
Number of retired or separated participants receiving benefits 2015-01-01 503
Number of other retired or separated participants entitled to future benefits 2015-01-01 760
Total of all active and inactive participants 2015-01-01 1,612
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 26
Total participants 2015-01-01 1,638
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: PUERTO RICO FINANCIAL RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 1,641
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 364
Number of retired or separated participants receiving benefits 2014-01-01 478
Number of other retired or separated participants entitled to future benefits 2014-01-01 772
Total of all active and inactive participants 2014-01-01 1,614
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 25
Total participants 2014-01-01 1,639
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 2
2013: PUERTO RICO FINANCIAL RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 1,643
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 385
Number of retired or separated participants receiving benefits 2013-01-01 447
Number of other retired or separated participants entitled to future benefits 2013-01-01 786
Total of all active and inactive participants 2013-01-01 1,618
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 23
Total participants 2013-01-01 1,641
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 2
2012: PUERTO RICO FINANCIAL RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 1,705
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 403
Number of retired or separated participants receiving benefits 2012-01-01 418
Number of other retired or separated participants entitled to future benefits 2012-01-01 800
Total of all active and inactive participants 2012-01-01 1,621
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 22
Total participants 2012-01-01 1,643
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 5
2011: PUERTO RICO FINANCIAL RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 1,776
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 435
Number of retired or separated participants receiving benefits 2011-01-01 382
Number of other retired or separated participants entitled to future benefits 2011-01-01 865
Total of all active and inactive participants 2011-01-01 1,682
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 23
Total participants 2011-01-01 1,705
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 50
2009: PUERTO RICO FINANCIAL RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 1,838
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 422
Number of retired or separated participants receiving benefits 2009-01-01 337
Number of other retired or separated participants entitled to future benefits 2009-01-01 977
Total of all active and inactive participants 2009-01-01 1,736
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 14
Total participants 2009-01-01 1,750
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 10

Measure	Date	Value
2015: PUERTO RICO FINANCIAL RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	1,639
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	349
Number of retired or separated participants receiving benefits	2015-01-01	503
Number of other retired or separated participants entitled to future benefits	2015-01-01	760
Total of all active and inactive participants	2015-01-01	1,612
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	26
Total participants	2015-01-01	1,638
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: PUERTO RICO FINANCIAL RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	1,641
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	364
Number of retired or separated participants receiving benefits	2014-01-01	478
Number of other retired or separated participants entitled to future benefits	2014-01-01	772
Total of all active and inactive participants	2014-01-01	1,614
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	25
Total participants	2014-01-01	1,639
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	2
2013: PUERTO RICO FINANCIAL RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	1,643
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	385
Number of retired or separated participants receiving benefits	2013-01-01	447
Number of other retired or separated participants entitled to future benefits	2013-01-01	786
Total of all active and inactive participants	2013-01-01	1,618
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	23
Total participants	2013-01-01	1,641
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	2
2012: PUERTO RICO FINANCIAL RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	1,705
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	403
Number of retired or separated participants receiving benefits	2012-01-01	418
Number of other retired or separated participants entitled to future benefits	2012-01-01	800
Total of all active and inactive participants	2012-01-01	1,621
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	22
Total participants	2012-01-01	1,643
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	5
2011: PUERTO RICO FINANCIAL RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	1,776
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	435
Number of retired or separated participants receiving benefits	2011-01-01	382
Number of other retired or separated participants entitled to future benefits	2011-01-01	865
Total of all active and inactive participants	2011-01-01	1,682
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	23
Total participants	2011-01-01	1,705
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	50
2009: PUERTO RICO FINANCIAL RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	1,838
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	422
Number of retired or separated participants receiving benefits	2009-01-01	337
Number of other retired or separated participants entitled to future benefits	2009-01-01	977
Total of all active and inactive participants	2009-01-01	1,736
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	14
Total participants	2009-01-01	1,750
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	10

Financial Data on PUERTO RICO FINANCIAL RETIREMENT PLAN

Measure	Date	Value
2015 : PUERTO RICO FINANCIAL RETIREMENT PLAN 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	$43,812
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$36,967
Total income from all sources (including contributions)	2015-12-31	$1,612,263
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$2,651,901
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$1,950,094
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$1,540,000
Value of total assets at end of year	2015-12-31	$40,581,891
Value of total assets at beginning of year	2015-12-31	$41,614,684
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$701,807
Total interest from all sources	2015-12-31	$1,022
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$100,000,000
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
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$26
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$67
Administrative expenses (other) incurred	2015-12-31	$701,807
Liabilities. Value of operating payables at end of year	2015-12-31	$43,812
Liabilities. Value of operating payables at beginning of year	2015-12-31	$36,967
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	$-1,039,638
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$40,538,079
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$41,577,717
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 common/collective trusts at end of year	2015-12-31	$39,981,477
Value of interest in common/collective trusts at beginning of year	2015-12-31	$41,305,235
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$215,388
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$309,382
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$309,382
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2015-12-31	$1,022
Net investment gain or loss from common/collective trusts	2015-12-31	$71,241
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	Yes
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	$1,540,000
Employer contributions (assets) at end of year	2015-12-31	$385,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$1,950,094
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
Aggregate proceeds on sale of assets	2015-12-31	$2,264,412
Aggregate carrying amount (costs) on sale of assets	2015-12-31	$2,264,412
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	KPMG, LLP
Accountancy firm EIN	2015-12-31	135565207
2014 : PUERTO RICO FINANCIAL RETIREMENT PLAN 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	$36,967
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$71,477
Total income from all sources (including contributions)	2014-12-31	$3,316,898
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$2,354,261
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,911,300
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$1,300,000
Value of total assets at end of year	2014-12-31	$41,614,684
Value of total assets at beginning of year	2014-12-31	$40,686,557
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$442,961
Total interest from all sources	2014-12-31	$715
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$100,000,000
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
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$67
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-31	$59
Administrative expenses (other) incurred	2014-12-31	$442,961
Liabilities. Value of operating payables at end of year	2014-12-31	$36,967
Liabilities. Value of operating payables at beginning of year	2014-12-31	$71,477
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	$962,637
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$41,577,717
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$40,615,080
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 common/collective trusts at end of year	2014-12-31	$41,305,235
Value of interest in common/collective trusts at beginning of year	2014-12-31	$40,014,053
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$309,382
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$204,445
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$204,445
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$715
Net investment gain or loss from common/collective trusts	2014-12-31	$2,016,183
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	Yes
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
Contributions received in cash from employer	2014-12-31	$1,300,000
Employer contributions (assets) at beginning of year	2014-12-31	$468,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,911,300
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
Aggregate proceeds on sale of assets	2014-12-31	$2,913,771
Aggregate carrying amount (costs) on sale of assets	2014-12-31	$2,913,771
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	KPMG, LLP
Accountancy firm EIN	2014-12-31	135565207
2013 : PUERTO RICO FINANCIAL RETIREMENT PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$71,477
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$85,155
Total income from all sources (including contributions)	2013-12-31	$6,664,849
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$2,312,131
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$1,909,841
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$1,338,000
Value of total assets at end of year	2013-12-31	$40,686,557
Value of total assets at beginning of year	2013-12-31	$36,347,517
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$402,290
Total interest from all sources	2013-12-31	$1,477
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$100,000,000
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
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$59
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$61
Administrative expenses (other) incurred	2013-12-31	$402,290
Liabilities. Value of operating payables at end of year	2013-12-31	$71,477
Liabilities. Value of operating payables at beginning of year	2013-12-31	$85,155
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	$4,352,718
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$40,615,080
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$36,262,362
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 common/collective trusts at end of year	2013-12-31	$40,014,053
Value of interest in common/collective trusts at beginning of year	2013-12-31	$35,618,681
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$204,445
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$258,775
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$258,775
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$1,477
Net investment gain or loss from common/collective trusts	2013-12-31	$5,325,372
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	Yes
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
Contributions received in cash from employer	2013-12-31	$1,338,000
Employer contributions (assets) at end of year	2013-12-31	$468,000
Employer contributions (assets) at beginning of year	2013-12-31	$470,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$1,909,841
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
Aggregate proceeds on sale of assets	2013-12-31	$3,395,870
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$3,395,870
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	KPMG, LLP
Accountancy firm EIN	2013-12-31	135565207
2012 : PUERTO RICO FINANCIAL RETIREMENT PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$85,155
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$154,248
Total income from all sources (including contributions)	2012-12-31	$5,438,416
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$2,159,992
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$1,754,137
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$1,910,000
Value of total assets at end of year	2012-12-31	$36,347,517
Value of total assets at beginning of year	2012-12-31	$33,138,186
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$405,855
Total interest from all sources	2012-12-31	$793
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$100,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$61
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$23
Administrative expenses (other) incurred	2012-12-31	$405,855
Liabilities. Value of operating payables at end of year	2012-12-31	$85,155
Liabilities. Value of operating payables at beginning of year	2012-12-31	$154,248
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$3,278,424
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$36,262,362
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$32,983,938
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in common/collective trusts at end of year	2012-12-31	$35,618,681
Value of interest in common/collective trusts at beginning of year	2012-12-31	$29,492,558
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$258,775
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$155,605
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$155,605
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$793
Net investment gain or loss from common/collective trusts	2012-12-31	$3,527,623
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$1,910,000
Employer contributions (assets) at end of year	2012-12-31	$470,000
Employer contributions (assets) at beginning of year	2012-12-31	$3,490,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$1,754,137
Did the plan have assets held for investment	2012-12-31	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	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Aggregate proceeds on sale of assets	2012-12-31	$387,579
Aggregate carrying amount (costs) on sale of assets	2012-12-31	$387,579
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	KPMG, LLP
Accountancy firm EIN	2012-12-31	135565207
2011 : PUERTO RICO FINANCIAL RETIREMENT PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$154,248
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$61,284
Total income from all sources (including contributions)	2011-12-31	$5,337,492
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$1,969,767
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,627,615
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$5,050,000
Value of total assets at end of year	2011-12-31	$33,138,186
Value of total assets at beginning of year	2011-12-31	$29,677,497
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$342,152
Total interest from all sources	2011-12-31	$531
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$100,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$23
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-12-31	$19
Administrative expenses (other) incurred	2011-12-31	$342,152
Liabilities. Value of operating payables at end of year	2011-12-31	$154,248
Liabilities. Value of operating payables at beginning of year	2011-12-31	$61,284
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$3,367,725
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$32,983,938
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$29,616,213
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in common/collective trusts at end of year	2011-12-31	$29,492,558
Value of interest in common/collective trusts at beginning of year	2011-12-31	$28,432,591
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$155,605
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$350,487
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$350,487
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$531
Net investment gain or loss from common/collective trusts	2011-12-31	$286,961
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$5,050,000
Employer contributions (assets) at end of year	2011-12-31	$3,490,000
Employer contributions (assets) at beginning of year	2011-12-31	$894,400
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,627,615
Did the plan have assets held for investment	2011-12-31	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	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$3,994,809
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$3,994,809
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	KPMG, LLP
Accountancy firm EIN	2011-12-31	135565207
2010 : PUERTO RICO FINANCIAL RETIREMENT PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$61,284
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$28,296
Total income from all sources (including contributions)	2010-12-31	$5,265,839
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$2,137,963
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,741,680
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$2,394,400
Value of total assets at end of year	2010-12-31	$29,677,497
Value of total assets at beginning of year	2010-12-31	$26,516,633
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$396,283
Total interest from all sources	2010-12-31	$503
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$100,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$19
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$21
Other income not declared elsewhere	2010-12-31	$1
Administrative expenses (other) incurred	2010-12-31	$396,283
Liabilities. Value of operating payables at end of year	2010-12-31	$61,284
Liabilities. Value of operating payables at beginning of year	2010-12-31	$28,296
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$3,127,876
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$29,616,213
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$26,488,337
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in common/collective trusts at end of year	2010-12-31	$28,432,591
Value of interest in common/collective trusts at beginning of year	2010-12-31	$24,527,656
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$350,487
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$302,659
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$302,659
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$503
Net investment gain or loss from common/collective trusts	2010-12-31	$2,870,935
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$2,394,400
Employer contributions (assets) at end of year	2010-12-31	$894,400
Employer contributions (assets) at beginning of year	2010-12-31	$1,686,297
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,741,680
Did the plan have assets held for investment	2010-12-31	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	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$4,929,244
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$4,929,244
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	KPMG, LLP
Accountancy firm EIN	2010-12-31	135565207
2009 : PUERTO RICO FINANCIAL RETIREMENT PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for PUERTO RICO FINANCIAL RETIREMENT PLAN

2015: PUERTO RICO FINANCIAL RETIREMENT PLAN 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 – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: PUERTO RICO FINANCIAL RETIREMENT PLAN 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 – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: PUERTO RICO FINANCIAL RETIREMENT PLAN 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 – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: PUERTO RICO FINANCIAL RETIREMENT PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: PUERTO RICO FINANCIAL RETIREMENT PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: PUERTO RICO FINANCIAL RETIREMENT PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	RELIABLE FINANCIAL SERVICES, INC.
Employer identification number (EIN):	660436232
NAIC Classification:	522291
NAIC Description:	Consumer Lending

Jurisdiction of Incorporation:	California Department of State
Incorporation Date:	2003-12-19
Company Identification Number:	C2568385
Legal Registered Office Address:	2004 B Covillaud # 202 Marysville United States of America (USA) 95901