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      <Form990PartVIISectionAGrp>
        <PersonNm>CHRISTOPHER DOWD</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>DAVID HANNOUSH</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>RICHARD HENDRICK</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JENNIFER LAWRENCE</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ANNE MCENTEE</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ROSE U MILLER</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>WILLIE MIRANDA JR</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>VINCENT L NELSON</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JAMIE ORTIZ</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>HEATHER A PETERSON</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>LAURA POLTYNSKI</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ROGER RAMSAMMY PHD</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JENNIFER RAO</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JOHN ROBINSON</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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        <PersonNm>ROBERT T SCHOFIELD</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>DEAN SKARLIS PHD</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>RICHAED P SLEASMAN</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ELIZABETH SOBOL</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>SCOTT D STEVENS</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>MICHAEL YORK</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>MARK N EAGAN</PersonNm>
        <TitleTxt>PRESIDENT &amp;</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>CHRISTINE A HOLLE</PersonNm>
        <TitleTxt>VP, FINANCE</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>PETER P BARDUNIAS</PersonNm>
        <TitleTxt>SENIOR VP,ME</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>LAURA E MANN</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>MARNA S REDDING</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>THOMAS J O'CONNOR</PersonNm>
        <TitleTxt>VP, GOV'T AF</TitleTxt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JASON F BENITEZ</PersonNm>
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          <BusinessName>
            <BusinessNameLine1Txt>ADNET TECHNOLOGIES NY LLC</BusinessNameLine1Txt>
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        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>DEPT 100040 PO BOX 150518</AddressLine1Txt>
            <CityNm>HARTFORD</CityNm>
            <StateAbbreviationCd>CT</StateAbbreviationCd>
            <ZIPCd>061150518</ZIPCd>
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      <ProgramServiceRevenueGrp>
        <Desc>TALENT</Desc>
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      <ProgramServiceRevenueGrp>
        <Desc>ADVOCACY</Desc>
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        <RelatedOrExemptFuncIncomeAmt>36400</RelatedOrExemptFuncIncomeAmt>
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      <InvestmentIncomeGrp>
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        <RelatedOrExemptFuncIncomeAmt>39614</RelatedOrExemptFuncIncomeAmt>
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        <OtherAmt>13343</OtherAmt>
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        <SecuritiesAmt>248233</SecuritiesAmt>
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      <GainOrLossGrp>
        <SecuritiesAmt>127001</SecuritiesAmt>
        <OtherAmt>13343</OtherAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>140344</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>140344</RelatedOrExemptFuncIncomeAmt>
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      <OtherRevenueMiscGrp>
        <Desc>OTHER REVENUE</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>2635</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>2635</RelatedOrExemptFuncIncomeAmt>
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      <OtherRevenueTotalAmt>2635</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>12649043</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>3286487</RelatedOrExemptFuncIncomeAmt>
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      <GrantsToDomesticOrgsGrp>
        <TotalAmt>2175</TotalAmt>
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      <OtherSalariesAndWagesGrp>
        <TotalAmt>1807533</TotalAmt>
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      <PensionPlanContributionsGrp>
        <TotalAmt>128645</TotalAmt>
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      <OtherEmployeeBenefitsGrp>
        <TotalAmt>118542</TotalAmt>
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      <PayrollTaxesGrp>
        <TotalAmt>147316</TotalAmt>
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      <FeesForServicesLegalGrp>
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      <FeesForServicesAccountingGrp>
        <TotalAmt>34130</TotalAmt>
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      <FeesForSrvcInvstMgmntFeesGrp>
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      <OccupancyGrp>
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      <DepreciationDepletionGrp>
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      <InsuranceGrp>
        <TotalAmt>17595</TotalAmt>
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      <OtherExpensesGrp>
        <Desc>LOAN LOSS RESERVE</Desc>
        <TotalAmt>340186</TotalAmt>
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        <TotalAmt>300559</TotalAmt>
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        <Desc>ADMINISTRATIVE FEES</Desc>
        <TotalAmt>194108</TotalAmt>
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        <Desc>LOAN PROCESSING FEES</Desc>
        <TotalAmt>55823</TotalAmt>
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      <AllOtherExpensesGrp>
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        <EOYAmt>1745610</EOYAmt>
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        <EOYAmt>519594</EOYAmt>
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        <EOYAmt>49387</EOYAmt>
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        <EOYAmt>3104</EOYAmt>
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        <EOYAmt>54773</EOYAmt>
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        <BOYAmt>66193</BOYAmt>
        <EOYAmt>114757</EOYAmt>
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        <EOYAmt>3309212</EOYAmt>
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        <EOYAmt>7711950</EOYAmt>
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      <TotalAssetsGrp>
        <BOYAmt>5178439</BOYAmt>
        <EOYAmt>13508387</EOYAmt>
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      <AccountsPayableAccrExpnssGrp>
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        <EOYAmt>253164</EOYAmt>
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        <EOYAmt>666985</EOYAmt>
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      <OtherLiabilitiesGrp>
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        <EOYAmt>876082</EOYAmt>
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      <TotalLiabilitiesGrp>
        <BOYAmt>2096453</BOYAmt>
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      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
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      <TaxableAmt>-16639</TaxableAmt>
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        <Desc>DUE FROM RELATED PARTY</Desc>
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        <Desc>INVESTMENTS HELD FOR 457(B) PLAN</Desc>
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        <Desc>REFUNDABLE GRANTS</Desc>
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        <Desc>FUNDS HELD ON BEHALF OF OTHERS</Desc>
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      <FootnoteTextInd>X</FootnoteTextInd>
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        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CHAMBER ADOPTED THE PROVISIONS OF FASB ASC 740-10, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE ADOPTION OF THIS STANDARD RESULTED IN NO UNCERTAIN TAX BENEFITS OR PROVISIONS IDENTIFIED AND RECORDED AS A LIABILITY OR ASSET. THE CHAMBER BELIEVES THAT THERE ARE NO TAX PROVISIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD SIGNIFICANTLY INCREASE OR DECREASE UNRECOGNIZED TAX BENEIFTS WITHIN 12 MONTHS OF THE REPORTING DATE. NONE OF THE CHAMBER'S FEDERAL OR STATE INCOME TAX RETURNS ARE CURRENTLY UNDER EXAMINATION BY THE INTERNAL REVENUE SERVICE OR STATE TAX AUTHORITIES.</ExplanationTxt>
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      <SupplementalNonqualRtrPlanInd>false</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
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        <PersonNm>MARK N EAGAN</PersonNm>
        <TitleTxt>PRESIDENT &amp; CEO</TitleTxt>
        <BaseCompensationFilingOrgAmt>269996</BaseCompensationFilingOrgAmt>
        <CompensationBasedOnRltdOrgsAmt>49570</CompensationBasedOnRltdOrgsAmt>
        <BonusFilingOrganizationAmount>30853</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>20090</DeferredCompensationFlngOrgAmt>
        <DeferredCompRltdOrgsAmt>3110</DeferredCompRltdOrgsAmt>
        <NontaxableBenefitsFilingOrgAmt>23711</NontaxableBenefitsFilingOrgAmt>
        <NontaxableBenefitsRltdOrgsAmt>4184</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationFilingOrgAmt>344650</TotalCompensationFilingOrgAmt>
        <TotalCompensationRltdOrgsAmt>56864</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="RetDoc5">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>ADVOCACY - PROVIDE LEADERSHIP AND A UNITED VOICE TO ASSERTIVELY ADVOCATE ON ISSUES, POLICIES AND PROJECTS THAT WILL IMPROVE THE BUSINESS CLIMATE AND ENHANCE THE COMPETITIVENESS AND ECONOMIC VITALITY OF THE REGION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERS CONSIST OF ALL FIRMS, CORPORATIONS AND PERSONS INVOLVED IN THE INDUSTRIAL, COMMERCIAL, FINANCIAL, EDUCATIONAL, CULTURAL OR GENERAL WELL-BEING OF THE REGION, OR WHO DESIRE TO PRESERVE AND PROMOTE THE OBJECTIVE OF THE CHAMBER.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>AN ANNUAL MEETING OF THE MEMBERS IS HELD ON A DATE FIXED BY THE CHAIR OF THE BOARD OR THE PRESIDENT AND CHIEF EXECUTIVE OFFICER. THE PURPOSE OF THE ANNUAL MEETING IS TO ELECT DIRECTORS, AND TO CONDUCT SUCH OTHER BUSINESS AS MAY COME BEFORE THE MEETING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>COPY WAS POSTED TO THE BOARD MEMBER PAGE OF THE CHAMBER'S WEBSITE TO BE VIEWED BEFORE FILING OF THE TAX RETURN.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THIS IS MONITORED ANNUALLY AS PART OF THE BOARDS ANNUAL MEETING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE POLICY IS TO COMPENSATE THE CHIEF EXECUTIVE OFFICER BASED ON NATIONAL COMPARISONS. KEY EMPLOYEES ARE COMPENSATED BASED ON SIMILAR POSITIONS IN THE REGION. THE AMERICAN CHAMBER OF COMMERCE EXECUTIVES PROVIDES PAYROLL COMPARISON AND IS A SOURCE THAT IS REVIEWED TO OBTAIN INFORMATION FOR COMPARISON.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
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          <CityNm>ALBANY</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>12205</ZIPCd>
        </USAddress>
        <EIN>140461460</EIN>
        <PrimaryActivitiesTxt>COMM PROG.</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NY</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C6</ExemptCodeSectionTxt>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>SCHENECTADY COUNTY CHAMBER</BusinessNameLine1Txt>
        </DisregardedEntityName>
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          <AddressLine1Txt>FIVE COMPUTER DRIVE SOUTH</AddressLine1Txt>
          <CityNm>ALBANY</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>12205</ZIPCd>
        </USAddress>
        <EIN>141041320</EIN>
        <PrimaryActivitiesTxt>COMM PROG.</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NY</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C6</ExemptCodeSectionTxt>
        <DirectControllingNACd>N/A</DirectControllingNACd>
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      <IdRelatedTaxExemptOrgGrp>
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          <StateAbbreviationCd>NY</StateAbbreviationCd>
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        <PrimaryActivitiesTxt>COMM PROG.</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NY</LegalDomicileStateCd>
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      </IdRelatedOrgTxblCorpTrGrp>
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      <DivRelatedOrganizationInd>false</DivRelatedOrganizationInd>
      <AssetSaleToOtherOrgInd>false</AssetSaleToOtherOrgInd>
      <AssetPurchaseFromOtherOrgInd>false</AssetPurchaseFromOtherOrgInd>
      <AssetExchangeInd>false</AssetExchangeInd>
      <RentalOfFacilitiesToOthOrgInd>false</RentalOfFacilitiesToOthOrgInd>
      <RentalOfFcltsFromOthOrgInd>false</RentalOfFcltsFromOthOrgInd>
      <PerformOfServicesForOthOrgInd>false</PerformOfServicesForOthOrgInd>
      <PerformOfServicesByOtherOrgInd>false</PerformOfServicesByOtherOrgInd>
      <SharingOfFacilitiesInd>true</SharingOfFacilitiesInd>
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      <ReimbursementPaidToOtherOrgInd>false</ReimbursementPaidToOtherOrgInd>
      <ReimbursementPaidByOtherOrgInd>false</ReimbursementPaidByOtherOrgInd>
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      </TransactionsRelatedOrgGrp>
    </IRS990ScheduleR>
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</Return>
