1) "Pay a reasonable annual fee to the cooperative sponsor (CGF)." a) Who decides the amount? b) Is the amount voted on by the depositors/investors? c) Are the cap limits on the amount payable? d) Is any of this included in the by-laws?

2) Depositors/Investors get one vote for one person, but who controls the by-laws from which these democratic rights/provisions are granted? Who has the power to revoke Depositor/Investor rights and self-control?

3) Who votes on the by-laws of the bank? Do Depositors/Investors vote?

4) Escrow: a) Are investments in escrow withdrawable on demand from the escrow? Or, are they locked until the bank opens? b) What's the investors proof of invesment? c) Who holds the escrow? They contact information? d) How do you withdrawn from the escrow? Some people may not be able to tie up assets for a long period of time.

5) Socially Responsible Lending: "Borrowers are required to report on social & environmental impact & sustainability." a) What are the tools of reporting and verification of this requirement. b) What are the benchmarks & what are the consequences in the loan terms for failure to meet benchmarks.

6) Moving cash: Where there is no bank presence or merchant customer, how do "remote" depositors move cash, particularly deposits, assuming any ATM would accept CGB cards for withdrawals?

7) If you are only charted in one state (MA), how do you operate, service depositors in other states?

8) Sharing Potential Capital Gains:  A borrower as an option to lower their interest rate by "sharing capital gains".  How does this work? Share with Whom?

9) Whould? Does? CGF and/or CGB plan to sell itself?  a) Under what conditions/scenarios? b) What right to vote does the Depositors/Investors have?

10) While CGB has strong non-discrimination criteria, what resources and/or appeals process is in place to safeguard against discrimination at the Community Division level?  Not all societies and communities are progressive, fare, or egalitarian.