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      <PreparerPersonNm>MICHAEL QUINLAN CPA</PreparerPersonNm>
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        <FormAndLineReferenceDesc>Pt VI, Line 2</FormAndLineReferenceDesc>
        <ExplanationTxt>DIRECTOR ELIZABETH HOLABIRD IS DIRECTOR WILLIAM FLAGGS DAUGHTER</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 2</FormAndLineReferenceDesc>
        <ExplanationTxt>DIRECTOR DEB GRAY IS MOTHER TO DIRECTOR NADINE STICKNEY</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION WILL HAVE THE TREASURER REVIEW THE TAX RETURN AND APPROVE IT. AT THE NEXT MONTHLY MEETING IT WILL BE REVIEWED WITH THE BOARD IN ITS ENTIRETY.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY THE ORGANIZATION WILL REVIEW ITS CONFLICT OF INTEREST POLICY CULMINATING IN AN ANNUAL SIGN OFF PROCESS</ExplanationTxt>
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        <FormAndLineReferenceDesc>Form 990EZ, Part I, Line 16</FormAndLineReferenceDesc>
        <ExplanationTxt>INTEREST 4910.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990EZ, Part I, Line 16</FormAndLineReferenceDesc>
        <ExplanationTxt>BANK FEES 1.</ExplanationTxt>
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        <FormAndLineReferenceDesc>Form 990EZ, Part I, Line 16</FormAndLineReferenceDesc>
        <ExplanationTxt>TRAVEL 1532.</ExplanationTxt>
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        <ExplanationTxt>RENTAL ASSISTANCE 250.</ExplanationTxt>
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        <ExplanationTxt>COUNSELING SERVICES</ExplanationTxt>
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        <ExplanationTxt>USDA LOAN AND PR LIABILITY 198038. 194829.</ExplanationTxt>
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