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      <PersonNm>SHANNON VAIRO</PersonNm>
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      <PreparerPersonNm>JEAN A MIDDLETON</PreparerPersonNm>
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        <PersonNm>JILL PASSANISI</PersonNm>
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        <PersonNm>AMY ROBERTS</PersonNm>
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        <PersonNm>BARBRA CORMIER</PersonNm>
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        <PersonNm>ERIC COON</PersonNm>
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      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>ALEXIS JACQUES</PersonNm>
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        <PersonNm>DEBORAH PAVER</PersonNm>
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        <PersonNm>BRAD BARNETT</PersonNm>
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        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 8</FormAndLineReferenceDesc>
        <ExplanationTxt>KEDA RENT 3,300 SBAM 1,695 UNCLAIMED KEWEENAW KASH 170 TOTAL 5,165</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 16</FormAndLineReferenceDesc>
        <ExplanationTxt>EXPENSES ADVERTISING 2,594 OFFICE SUPPLIES &amp; EXPENSE 3,957 COMPUTER &amp; INTERNET MAINTENAN 3,334 TRAVEL / MEALS 447 INSURANCE-GENERAL 1,854 MISCELLANEOUS EXPENSE 166 CREDIT CARD PROCESSING 1,198 DUES AND SUBSCRIPTIONS 5,524 KEWEENAW CASH EXPENSE 2,845 PHONE &amp; INTERNET 3,046 SBAM 3,640 PAYROLL PROCESSING COSTS 1,854 COMMUNITY EVENTS 8,924 NON-INVESTMENT DEPRECIATION 251 TOTAL 39,634</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 20</FormAndLineReferenceDesc>
        <ExplanationTxt>UNREALIZED GAIN ON INVESTMENT 4,762</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART II, LINE 24</FormAndLineReferenceDesc>
        <ExplanationTxt>OFFIC EQUIPT/ FURN &amp; FIXTURES 40,823 40,823 LESS ACCUMULATED DEPRECIATION 40,572 40,823 KEWEENAW CASH CLEARING 13,800 0 TOTAL 14,051 0</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART II, LINE 26</FormAndLineReferenceDesc>
        <ExplanationTxt>KEW CASH OUTSTANDING 62,795 65,671</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART III</FormAndLineReferenceDesc>
        <ExplanationTxt>TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF HOUGHTON AND KEWEENAW COUNTIES.</ExplanationTxt>
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