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        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 2, PART IV, LINE 2B</FormAndLineReferenceDesc>
        <ExplanationTxt>MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.</ExplanationTxt>
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        <PersonNm>MICAEL J O'REILLY</PersonNm>
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      <SupplementalInformationDetail>
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      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
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        <ExplanationTxt>THE FORM 990 IS REPORTED TO THE AUDIT COMMITTEE AND THE AUDIT COMMITTEE THEN REPORTS THE FILING TO THE FULL BOARD OF DIRECTORS. THE FORM 990 IS REVIEWED BY MANAGEMENT AND IS DOCUMENTED IN THE MINUTES. THE 2016 FORM 990 WAS REVIEWED BY THE AUDIT COMMITTE AND APPROVED BY THE BOARD ON 12/19/17.</ExplanationTxt>
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      <SupplementalInformationDetail>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>PERSONNEL COMMITTEE REVIEWS ALL EMPLOYEE SALARIES ANNUALLY IN SEPTEMBER. SALARIES ARE BASED ON INDUSTY AND EARNINGS. SALARIES ARE VOTED AND APPROVED BY THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
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        <ExplanationTxt>PERSONNEL COMMITTEE REVIEWS ALL EMPLOYEE SALARIES ANNUALLY IN SEPTEMBER. SALARIES ARE BASED ON INDUSTY AND EARNINGS. SALARIES ARE VOTED AND APPROVED BY THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
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        <ExplanationTxt>INFORMATION IS POSTED IN THE CREDIT UNION LOBBY AND AVAILABLE UPON REQUEST.</ExplanationTxt>
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</Return>