In addition to the goal credit guidelines previously outlined, contractors assigned an annual goal have the opportunity to pursue additional OJT credits once the assigned goal has been met. This is referred to as “banking.” In the event the contractor has additional trainees that have graduated from the OJT program or that have been approved for good faith effort, the contractor may bank the additional credit(s) toward the following year’s goal. Contractors may also bank credits for the following year for graduates hired from TCCA academies (see section Goal Credit Guidelines for more information). However, if the contractor is not assigned an annual goal in the following year, goal credit will be lost.