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      <PersonNm>Linda J Nila</PersonNm>
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        <FormAndLineReferenceDesc>Part I 16</FormAndLineReferenceDesc>
        <ExplanationTxt>Prepaid debit card fee of $12</ExplanationTxt>
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        <FormAndLineReferenceDesc>Part III 28-31</FormAndLineReferenceDesc>
        <ExplanationTxt>Events include golf and social outings. We hold team scramble and individual competitive events. Educational offerings include learning how to play golf, improvement of golf skill, using golf for business, golf rules and etiquette, and mentoring programs. Seasonally, we offer 17 leagues and 5 different skill levels. To celebrate our accomplishments, we end the season with our Fall celebration and our annual meeting.</ExplanationTxt>
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