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        <Desc>FEDERAL UBIT</Desc>
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        <Desc>AUTO LEASE - IN KIND</Desc>
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        <Desc>MEMBER SERVICES</Desc>
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        <ProgramServicesAmt>9579</ProgramServicesAmt>
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        <TotalAmt>9078</TotalAmt>
        <ProgramServicesAmt>9078</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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        <EOYAmt>252</EOYAmt>
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        <EOYAmt>1175</EOYAmt>
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        <EOYAmt>169890</EOYAmt>
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      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
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        <EOYAmt>514877</EOYAmt>
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      <TotalNetAssetsFundBalanceGrp>
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        <EOYAmt>514877</EOYAmt>
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      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>624853</BOYAmt>
        <EOYAmt>684767</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>35234</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>29221</NetUnrlzdGainsLossesInvstAmt>
      <OtherChangesInNetAssetsAmt>-2927</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>true</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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    <IRS990ScheduleC documentId="RetDoc3">
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      <OnlyInHouseLobbyingInd>false</OnlyInHouseLobbyingInd>
      <AgreeCarryoverPriorYearInd>false</AgreeCarryoverPriorYearInd>
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        <DepreciationAmt>94203</DepreciationAmt>
        <BookValueAmt>15528</BookValueAmt>
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      <TotalBookValueLandBuildingsAmt>15528</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>VACATION ACCRUAL</Desc>
        <Amt>16525</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>ACCRUED PAYROLL TAXES</Desc>
        <Amt>3588</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>SIMPLE IRA PAYABLE</Desc>
        <Amt>1168</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>21281</TotalLiabilityAmt>
      <TotalRevEtcAuditedFinclStmtAmt>674985</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>674985</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>674985</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>642678</TotExpnsEtcAuditedFinclStmtAmt>
      <OtherExpensesIncludedAmt>2927</OtherExpensesIncludedAmt>
      <ExpensesNotReportedAmt>2927</ExpensesNotReportedAmt>
      <ExpensesSubtotalAmt>639751</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>639751</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XII, LINE 2D</FormAndLineReferenceDesc>
        <ExplanationTxt>BOOK / TAX DEPRECIATION DIFFERENCE 2,927</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleM documentId="RetDoc5">
      <OtherNonCashContriTableGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <ContributionCnt>4</ContributionCnt>
        <NoncashContributionsRptF990Amt>96004</NoncashContributionsRptF990Amt>
      </OtherNonCashContriTableGrp>
      <AnyPropertyThatMustBeHeldInd>false</AnyPropertyThatMustBeHeldInd>
      <ReviewProcessUnusualNCGiftsInd>false</ReviewProcessUnusualNCGiftsInd>
      <ThirdPartiesUsedInd>false</ThirdPartiesUsedInd>
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    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>TO BE A LEADER IN ADVANCING MARKETPLACE TRUST BY CREATING A COMMUNITY OF TRUSTWORTHY BUSINESSES, SETTING STANDARDS FOR MARKETPLACE TRUST, ENCOURAGING AND SUPPORTING BEST PRACTICES, CELETRATING MARKETPLACE ROLE MODELS, AND DENOUNCING SUBSTANDARD MARKETPALCE BEHAVIOR.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS REVIEWED BY THE TREASURER. AFTER THIS REVIEW A COPY OF FORM 990 IS SENT TO THE BOARD FOR REVIEW. A COPY OF THE FORM 990 IS SUBMITTED TO THE BUREAU'S FEDERAL OVERSIGHT AGENCY, THE COUNCIL OF BETTER BUSINESS BUREAUS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>STATEMENTS ARE PASSED OUT EACH YEAR AND SIGNED BY ALL OFFICERS AND BOARD MEMBERS. IF ANY MEMBER REASONABLY BELIEVES THAT THIS POLICY IS IN VIOLATION, THE PRESIDENT AND THE BOARD DISCUSS AND TAKE ANY NECESSARY ACTION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>SALARY REVIEW POLICY: THE PRESIDENT AND THE BOARDS' BUDGET COMMITTEE CONDUCT A REVIEW OF WAGE RANGES ANNUALLY IN THE FOURTH QUARTER OF THE YEAR. CHANGE TO THE RANGE CHART, INCLUDING EXECUTIVE COMPENSATION, ARE MADE AS DEEMED APPROPRIATE FOR THE FOLLOWING YEAR, WITH APPROVAL OF THE FULL BOARD OF DIRECTORS. TOOLS FOR DETERMINING SALARY STANDARDS INCLUDE: LOCAL WAGE AND INFLATION DATA AND THE CBBB DATA ON COMPENSATION (WHEN AVAILABLE)</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>SEE 15A</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>BOOK / TAX DEPRECIATION DIFFERENCE -2,927</ExplanationTxt>
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    </IRS990ScheduleO>
  </ReturnData>
</Return>