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        <PersonNm>KARL HUDSON</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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        <PersonNm>STEVE HUNT</PersonNm>
        <TitleTxt>CHAIRMAN-ELE</TitleTxt>
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        <PersonNm>ALLEN JACKSON</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>MIKE JAMES</PersonNm>
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        <PersonNm>HANK JOHNSON</PersonNm>
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        <PersonNm>OMAR JORGE</PersonNm>
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        <PersonNm>JOE KIMRAY</PersonNm>
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        <PersonNm>REBECCA LEACH</PersonNm>
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        <PersonNm>SUE LUCEY</PersonNm>
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        <PersonNm>JOSE LUIS</PersonNm>
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        <PersonNm>MACK MCLAMB</PersonNm>
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        <PersonNm>TARYN MECIA</PersonNm>
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        <PersonNm>LUTHER MOORE</PersonNm>
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        <PersonNm>JOHN ORGAIN</PersonNm>
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        <PersonNm>MEREDITH PRELOH</PersonNm>
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        <PersonNm>NICOLE RAMSDELL</PersonNm>
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        <PersonNm>RUSSELL RHODES</PersonNm>
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        <PersonNm>GENE SALERNO</PersonNm>
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        <PersonNm>KIM SIOMKOS</PersonNm>
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        <PersonNm>JULIE SONG</PersonNm>
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        <PersonNm>JEFF STEELMAN</PersonNm>
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        <PersonNm>DAVE VANDERWOUDE</PersonNm>
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        <PersonNm>BILL WHEELER</PersonNm>
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        <DeferredCompRltdOrgsAmt>34044</DeferredCompRltdOrgsAmt>
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      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>TODD BAITSHOLTS</PersonNm>
        <TitleTxt>CFO</TitleTxt>
        <CompensationBasedOnRltdOrgsAmt>277120</CompensationBasedOnRltdOrgsAmt>
        <BonusRelatedOrganizationsAmt>55000</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>9239</OtherCompensationRltdOrgsAmt>
        <DeferredCompRltdOrgsAmt>32376</DeferredCompRltdOrgsAmt>
        <TotalCompensationRltdOrgsAmt>373735</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>ELIZABETH ROBINSON</PersonNm>
        <TitleTxt>SENIOR VP</TitleTxt>
        <CompensationBasedOnRltdOrgsAmt>204925</CompensationBasedOnRltdOrgsAmt>
        <BonusRelatedOrganizationsAmt>35000</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>6000</OtherCompensationRltdOrgsAmt>
        <DeferredCompRltdOrgsAmt>22537</DeferredCompRltdOrgsAmt>
        <TotalCompensationRltdOrgsAmt>268462</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>LINDSEY KUEFFNER</PersonNm>
        <TitleTxt>EXEC DIRECTOR CFIC</TitleTxt>
        <CompensationBasedOnRltdOrgsAmt>123910</CompensationBasedOnRltdOrgsAmt>
        <BonusRelatedOrganizationsAmt>17000</BonusRelatedOrganizationsAmt>
        <DeferredCompRltdOrgsAmt>15900</DeferredCompRltdOrgsAmt>
        <NontaxableBenefitsRltdOrgsAmt>3500</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationRltdOrgsAmt>160310</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>ANN EDMONDSON</PersonNm>
        <TitleTxt>VP OF COMMUNICATIONS</TitleTxt>
        <CompensationBasedOnRltdOrgsAmt>130625</CompensationBasedOnRltdOrgsAmt>
        <BonusRelatedOrganizationsAmt>15750</BonusRelatedOrganizationsAmt>
        <DeferredCompRltdOrgsAmt>13062</DeferredCompRltdOrgsAmt>
        <TotalCompensationRltdOrgsAmt>159437</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>REPRESENTING THE INTEREST OF RETAIL MEMBERS AND PROVIDING EDUCATION ABOUT LEGISLATIVE ISSUES, STATE AND FEDERAL REGULATIONS, LABOR LAWS, OTHER LEGAL ISSUES AND PROVIDING OTHER MEMBER SERVICES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 3</FormAndLineReferenceDesc>
        <ExplanationTxt>NCRMA SERVICE CORP MANAGES THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>RETAIL ORGANIZATIONS AND COMPANIES PRIMARILY IN NORTH CAROLINA PAY DUES FOR MEMBERSHIP TO THE ASSOCIATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>THROUGH ELECTION OF BOARD MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7B</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERS MUST APPROVE CHANGES CHANGES TO THE BY-LAWS, MERGERS WITH OTHER ORGANIZATIONS, AND ELECT THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>REVIEW BY PRESIDENT AND BOARD.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>MONITOR ON ONGOING BASIS AND NO CONFLICTS HAVE OCCURRED TO DATE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>DETERMINATION BY FINANCE COMMITTEE AND COMPENSATION STUDY BY INDEPENDENT FIRM.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>DETERMINATION BY FINANCE COMMITTEE AND COMPENSATION STUDY BY INDEPENDENT FIRM.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>MANAGEMENT SERVICES REVENUE 615,000 TAXABLE INTEREST INCOME 0 MANAGEMENT SERVICES REVENUE -615,000 NET INCOME FROM 209 RETAIL PARTNERS, LLC 0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc7">
      <IdDisregardedEntitiesGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>DOGWOOD INSURANCE AGENCY LLC</BusinessNameLine1Txt>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1Txt>PO BOX 1030</AddressLine1Txt>
          <CityNm>RALEIGH</CityNm>
          <StateAbbreviationCd>NC</StateAbbreviationCd>
          <ZIPCd>27602</ZIPCd>
        </USAddress>
        <EIN>261569961</EIN>
        <PrimaryActivitiesTxt>INS AGENCY</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NC</LegalDomicileStateCd>
        <TotalIncomeAmt>-2</TotalIncomeAmt>
        <EndOfYearAssetsAmt>46402</EndOfYearAssetsAmt>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>NCRMA SERV</BusinessNameLine1Txt>
        </DirectControllingEntityName>
      </IdDisregardedEntitiesGrp>
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>RETAIL CONSUMER ALLIANCE FOUNDATION</BusinessNameLine1Txt>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1Txt>PO BOX 1030</AddressLine1Txt>
          <CityNm>RALEIGH</CityNm>
          <StateAbbreviationCd>NC</StateAbbreviationCd>
          <ZIPCd>27602</ZIPCd>
        </USAddress>
        <EIN>261756350</EIN>
        <PrimaryActivitiesTxt>RES &amp; EDUC</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NC</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C3</ExemptCodeSectionTxt>
        <PublicCharityStatusTxt>12A</PublicCharityStatusTxt>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>NC RETAIL</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedOrgTxblPartnershipGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>209 RETAIL PARTNERS LLC</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>PO BOX 1030</AddressLine1Txt>
          <CityNm>RALEIGH</CityNm>
          <StateAbbreviationCd>NC</StateAbbreviationCd>
          <ZIPCd>27602</ZIPCd>
        </USAddress>
        <EIN>464362474</EIN>
        <PrimaryActivitiesTxt>REAL ESTAT</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NC</LegalDomicileStateCd>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>NC RETAIL</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <PredominantIncomeTypeTxt>EXCLUDED</PredominantIncomeTypeTxt>
        <ShareOfTotalIncomeAmt>-67846</ShareOfTotalIncomeAmt>
        <ShareOfEOYAssetsAmt>2523647</ShareOfEOYAssetsAmt>
        <DisproportionateAllocationsInd>false</DisproportionateAllocationsInd>
        <GeneralOrManagingPartnerInd>true</GeneralOrManagingPartnerInd>
      </IdRelatedOrgTxblPartnershipGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>NCRMA SERVICE CORP</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>PO BOX 1030</AddressLine1Txt>
          <CityNm>RALEIGH</CityNm>
          <StateAbbreviationCd>NC</StateAbbreviationCd>
          <ZIPCd>27602</ZIPCd>
        </USAddress>
        <EIN>208665504</EIN>
        <PrimaryActivitiesTxt>MANAGEMENT</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NC</LegalDomicileStateCd>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>NC RETAIL</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <EntityTypeTxt>C CORP</EntityTypeTxt>
        <ShareOfTotalIncomeAmt>7476</ShareOfTotalIncomeAmt>
        <ShareOfEOYAssetsAmt>1005512</ShareOfEOYAssetsAmt>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>TOTAL QUALITY MANAGEMENT INC</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>PO BOX 1030</AddressLine1Txt>
          <CityNm>RALEIGH</CityNm>
          <StateAbbreviationCd>NC</StateAbbreviationCd>
          <ZIPCd>27602</ZIPCd>
        </USAddress>
        <EIN>261570343</EIN>
        <PrimaryActivitiesTxt>CLAIMS MGM</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NC</LegalDomicileStateCd>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>NC RETAIL</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <EntityTypeTxt>C CORP</EntityTypeTxt>
        <ShareOfTotalIncomeAmt>53571</ShareOfTotalIncomeAmt>
        <ShareOfEOYAssetsAmt>655115</ShareOfEOYAssetsAmt>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>VITAL INSURANCE PROTECTION INC</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>5151 HAMPSTEAD HIGH ST STE 200</AddressLine1Txt>
          <CityNm>MONTGOMERY</CityNm>
          <StateAbbreviationCd>AL</StateAbbreviationCd>
          <ZIPCd>36116</ZIPCd>
        </USAddress>
        <EIN>262722119</EIN>
        <PrimaryActivitiesTxt>INS CAPTIV</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>AL</LegalDomicileStateCd>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>NCRMA SVC</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <EntityTypeTxt>C CORP</EntityTypeTxt>
        <ShareOfTotalIncomeAmt>3134</ShareOfTotalIncomeAmt>
        <ShareOfEOYAssetsAmt>7230461</ShareOfEOYAssetsAmt>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <ReceiptOfIntAnntsRntsRyltsInd>true</ReceiptOfIntAnntsRntsRyltsInd>
      <GiftGrntOrCapContriToOthOrgInd>true</GiftGrntOrCapContriToOthOrgInd>
      <GiftGrntCapContriFromOthOrgInd>false</GiftGrntCapContriFromOthOrgInd>
      <LoansOrGuaranteesToOtherOrgInd>false</LoansOrGuaranteesToOtherOrgInd>
      <LoansOrGuaranteesFromOthOrgInd>false</LoansOrGuaranteesFromOthOrgInd>
      <DivRelatedOrganizationInd>false</DivRelatedOrganizationInd>
      <AssetSaleToOtherOrgInd>false</AssetSaleToOtherOrgInd>
      <AssetPurchaseFromOtherOrgInd>false</AssetPurchaseFromOtherOrgInd>
      <AssetExchangeInd>false</AssetExchangeInd>
      <RentalOfFacilitiesToOthOrgInd>false</RentalOfFacilitiesToOthOrgInd>
      <RentalOfFcltsFromOthOrgInd>false</RentalOfFcltsFromOthOrgInd>
      <PerformOfServicesForOthOrgInd>true</PerformOfServicesForOthOrgInd>
      <PerformOfServicesByOtherOrgInd>true</PerformOfServicesByOtherOrgInd>
      <SharingOfFacilitiesInd>false</SharingOfFacilitiesInd>
      <PaidEmployeesSharingInd>false</PaidEmployeesSharingInd>
      <ReimbursementPaidToOtherOrgInd>true</ReimbursementPaidToOtherOrgInd>
      <ReimbursementPaidByOtherOrgInd>true</ReimbursementPaidByOtherOrgInd>
      <TransferToOtherOrgInd>false</TransferToOtherOrgInd>
      <TransferFromOtherOrgInd>false</TransferFromOtherOrgInd>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>RETAIL CONSUMER ALLIANCE FOUNDATION</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>B</TransactionTypeTxt>
        <InvolvedAmt>166000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>NCRMA SERVICE CORP</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>M</TransactionTypeTxt>
        <InvolvedAmt>1300000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>NCRMA SERVICE CORP</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>M</TransactionTypeTxt>
        <InvolvedAmt>225000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>NCRMA SERVICE CORP</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>Q</TransactionTypeTxt>
        <InvolvedAmt>5000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>TOTAL QUALITY MANAGEMENT INC</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>Q</TransactionTypeTxt>
        <InvolvedAmt>5000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>MAINSTREET MERCHANTS FOR A BETTER N</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>B</TransactionTypeTxt>
        <InvolvedAmt>180000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>TOTAL QUALITY MANAGEMENT INC</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>P</TransactionTypeTxt>
        <InvolvedAmt>1037</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>FIRST BENEFITS INSURANCE MUTUAL INC</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>L</TransactionTypeTxt>
        <InvolvedAmt>768169</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>SOUTH CAROLINA RETAIL ASSOC INC</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>M</TransactionTypeTxt>
        <InvolvedAmt>100000</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>RETAIL CONSUMER ALLIANCE</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>Q</TransactionTypeTxt>
        <InvolvedAmt>8856</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>RETAIL CONSUMER ALLIANCE</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>P</TransactionTypeTxt>
        <InvolvedAmt>1095</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>RETAIL CONSUMER ALLIANCE</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>R</TransactionTypeTxt>
        <InvolvedAmt>17164</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>CASH</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
    </IRS990ScheduleR>
  </ReturnData>
</Return>