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      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
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      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
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      <AuditCommitteeInd>true</AuditCommitteeInd>
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      <TotalBookValueLandBuildingsAmt>4753</TotalBookValueLandBuildingsAmt>
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        <Desc>SUPPLEMENTAL CREDIT RESERVE</Desc>
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        <Desc>EMPLOYER DEPOSITS</Desc>
        <Amt>103991</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>12002216</TotalLiabilityAmt>
      <FootnoteTextInd>X</FootnoteTextInd>
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      <NetUnrealizedGainsInvstAmt>4152666</NetUnrealizedGainsInvstAmt>
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      <InvestmentExpensesNotIncldAmt>43976</InvestmentExpensesNotIncldAmt>
      <RevenueNotReportedFinclStmtAmt>43976</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>28600501</TotalRevenuePerForm990Amt>
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      <InvestmentExpensesNotIncld2Amt>43976</InvestmentExpensesNotIncld2Amt>
      <ExpensesNotRptFinclStmtAmt>43976</ExpensesNotRptFinclStmtAmt>
      <TotalExpensesPerForm990Amt>21839757</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PLAN HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT REQUIRE DISCLOSURE IN THESE FINANCIAL STATEMENTS UNDER THE FASB ACCOUNTING STANDARDS CODIFICATION TOPIC, INCOME TAXES.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc4">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PLAN PROVIDES HEALTH, DENTAL, VISION, PRESCRIPTION, DISABILITY AND DEATH BENEFITS TO ELIGIBLE MEMBERS OF NORTHWESTERN OHIO PLUMBERS AND PIPEFITTERS LOCAL NO 50.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>LINE 7A EXPLANATION - MEMBERS OF THE GOVERNING BODY ARE APPOINTED BY THE UNION AND BY THE EMPLOYERS OF THE PLAN.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>JEFF EARL 12288 COUNTRY ROAD M WAUSEON , OH 43567 SCOTT KEPP 6842 COMMODORE DRIVE WALBRIDGE, OH 43465 TIM POLLAUF 603 BRYNHAVEN OREGON, OH 43616 PETE VAVRINECK 2875 CRANE WAY NORTHWOOD, OH 43619 ROSA COYLE 940 MATZINGER ROAD TOLEDO, OH 43612 BOBBIE STRAYER 915 MATZINGER ROAD TOLEDO, OH 43612</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>LINE 11A EXPLANATION - BOARD MEMBERS WILL RECEIVE A COPY OF FORM 990 FOR REVIEW BEFORE FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>POLICY IS MONITORED AND ENFORCED BY THE BOARD OF TRUSTEES THROUGH MONTLY MEETINGS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL ARE AVAILABLE UPON REQUEST</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI</FormAndLineReferenceDesc>
        <ExplanationTxt>NET ASSETS TRANSFERRED IN DUE TO MERGER WERE FROM NORTHWESTERN OHIO PLUMBERS &amp; PIPEFITTERS RETIREE HEALTH &amp; WELFARE PLAN. THE EIN IS 02-0772989</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>NET ASSETS TRANSFERRED IN DUE TO MERGER 16,609,248</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>