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            <State>MI</State>
            <ZIPCode>49301</ZIPCode>
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          <RecipientPersonName>NEW TERRITORY ARTS ASSOCIATION</RecipientPersonName>
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            <City>BENTON HARBOR</City>
            <State>MI</State>
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            <State>MI</State>
            <ZIPCode>49085</ZIPCode>
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          <RecipientPersonName>LEST WE FORGET</RecipientPersonName>
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            <AddressLine1>942 SIERRA DR</AddressLine1>
            <City>BENTON HARBOR</City>
            <State>MI</State>
            <ZIPCode>49022</ZIPCode>
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          <PurposeOfGrantOrContribution>SUMMER PROGRAM SPONSORSHIP</PurposeOfGrantOrContribution>
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        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>MAUD PRESTON LIBRARY</RecipientPersonName>
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            <AddressLine1>500 MARKET STREET</AddressLine1>
            <City>SAINT JOSEPH</City>
            <State>MI</State>
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          <PurposeOfGrantOrContribution>SUMMER PROGRAM FUNDING</PurposeOfGrantOrContribution>
          <Amount>2750</Amount>
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            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>921234651</ZIPCode>
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        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>HOSPICE AT HOME LORYS PLACE</RecipientPersonName>
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            <AddressLine1>445 UPTON DRIVE SUITE 9</AddressLine1>
            <City>SAINT JOSEPH</City>
            <State>MI</State>
            <ZIPCode>49085</ZIPCode>
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          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
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        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>CITADEL DANCE AND MUSIC CENTER</RecipientPersonName>
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            <AddressLine1>204 WATER STREET</AddressLine1>
            <City>BENTON HARBOR</City>
            <State>MI</State>
            <ZIPCode>49022</ZIPCode>
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          <PurposeOfGrantOrContribution>SCHOLARSHIP FUNDING</PurposeOfGrantOrContribution>
          <Amount>10000</Amount>
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        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>KRASL ART CENTER</RecipientPersonName>
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            <City>SAINT JOSEPH</City>
            <State>MI</State>
            <ZIPCode>490851313</ZIPCode>
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          <PurposeOfGrantOrContribution>CHIHULY RESTORATION PROJECT GRANT</PurposeOfGrantOrContribution>
          <Amount>3000</Amount>
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        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>HERITAGE MUSEUM AND CULTURAL</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>601 MAIN STREET</AddressLine1>
            <City>SAINT JOSEPH</City>
            <State>MI</State>
            <ZIPCode>49085</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>10000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>HUMANE SOCIETY OF SW MICHIGAN</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>641 S CRYSTAL AVE</AddressLine1>
            <City>BENTON HARBOR</City>
            <State>MI</State>
            <ZIPCode>49022</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>DRESS FOR SUCCESS</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>642 THIRD AVE</AddressLine1>
            <City>CHULA VISTA</City>
            <State>CA</State>
            <ZIPCode>91910</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>20000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>CORNERSTONE THERAPEUTIC RIDING</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>25201 CREEK HOLLOW DRIVE</AddressLine1>
            <City>RAMONA</City>
            <State>CA</State>
            <ZIPCode>92065</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>6000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>HIDDEN VALLEY HOUSE AUXILARY</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>11093 MONTAUBON WAY</AddressLine1>
            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>921313677</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>2000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>HOUSE RABBIT SOCIETY SAN DIEGO</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>PO BOX 261553</AddressLine1>
            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>92196</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>NEW DATABASE SYSTEM</PurposeOfGrantOrContribution>
          <Amount>2000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>SCRIPPS RANCH FRIENDS OF LIBRA</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>10301 SCRIPPS LAKE DR</AddressLine1>
            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>921311258</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>1000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>PAWS SAN DIEGO</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>6160 FAIRMOUNT AVE SUITE 1</AddressLine1>
            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>921203427</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>1000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>OCEAN DISCOVERY INSTITUTE</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>2211 PACIFIC BEACH DR</AddressLine1>
            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>921095626</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>3000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>HERALD PALLADIUM GOODFELLOWS</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>518 BROAD STREET</AddressLine1>
            <City>SAINT JOSEPH</City>
            <State>MI</State>
            <ZIPCode>49085</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GOODFELLOWS FUND GRANT</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>SAMARITAN COUNSELING CENTER</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>1850 COLFAX</AddressLine1>
            <City>BENTON HARBOR</City>
            <State>MI</State>
            <ZIPCode>49022</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>PAVING AND WINDOW REPAIR FUNDING</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>SARETT NATURE CENTER</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>2300 NORTH BENTON CENTER RD</AddressLine1>
            <City>BENTON HARBOR</City>
            <State>MI</State>
            <ZIPCode>49022</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>BUTTERFLY HOUSE FUNDING</PurposeOfGrantOrContribution>
          <Amount>3500</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>NEW TERRITORY ARTS ASSOCIATION</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>210 WATER STREET</AddressLine1>
            <City>BENTON HARBOR</City>
            <State>MI</State>
            <ZIPCode>49022</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>3000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>ARMED SERVICES YMCA</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>3293 SANTO RD</AddressLine1>
            <City>SAN DIEGO</City>
            <State>CA</State>
            <ZIPCode>921243340</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>GENERAL SUPPORT GRANT</PurposeOfGrantOrContribution>
          <Amount>2000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>NILES COMMUNITY SCHOOLS</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>111 SPRUCE ST</AddressLine1>
            <City>NILES</City>
            <State>MI</State>
            <ZIPCode>491202963</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>REACHING FOR THE REINS PROGRAM FUNDING</PurposeOfGrantOrContribution>
          <Amount>4000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>BLUE LAKE FINE ARTS CAMP</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>300 E CRYSTAL LAKE RD</AddressLine1>
            <City>TWIN LAKE</City>
            <State>MI</State>
            <ZIPCode>494579499</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>ROBERT W BROWN SCHOLARSHIP FUND GRANT</PurposeOfGrantOrContribution>
          <Amount>2500</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>LUTHERAN CHURCH MISSOURI SYNOD</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>PO BOX 66861</AddressLine1>
            <City>SAINT LOUIS</City>
            <State>MO</State>
            <ZIPCode>631666861</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>HURRICANE SANDY RELIEF FUND GRANT</PurposeOfGrantOrContribution>
          <Amount>3000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientPersonName>NATIONAL CAROUSEL SOCIETY</RecipientPersonName>
          <RecipientUSAddress>
            <AddressLine1>PO BOX 607</AddressLine1>
            <City>REPUBLIC</City>
            <State>WA</State>
            <ZIPCode>991660607</ZIPCode>
          </RecipientUSAddress>
          <PurposeOfGrantOrContribution>2012 CHALLENGE GRANT</PurposeOfGrantOrContribution>
          <Amount>5000</Amount>
        </GrantOrContriPaidDuringYear>
        <TotGrantOrContriPaidDuringYear>238300</TotGrantOrContriPaidDuringYear>
      </SupplementaryInformation>
      <AnalysisIncomeProducingActy>
        <IntOnSavingsAndTempCashInvst>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>77</ExclusionAmount>
        </IntOnSavingsAndTempCashInvst>
        <DividendsAndIntFromSecPartVII>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>76902</ExclusionAmount>
        </DividendsAndIntFromSecPartVII>
        <OtherInvestmentIncomePartVII>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>952</ExclusionAmount>
        </OtherInvestmentIncomePartVII>
        <OtherRevenueDescribed>
          <Description>JACKSON LIFE ANNUITY</Description>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>143888</ExclusionAmount>
        </OtherRevenueDescribed>
        <SubtotalsPartXVIA>
          <ExclusionAmount>221819</ExclusionAmount>
        </SubtotalsPartXVIA>
        <TotalPartXVIA>221819</TotalPartXVIA>
      </AnalysisIncomeProducingActy>
      <TrnsfrTrRlnWithNoncharitableEO>
        <TrnsfrOfCashToNoncharitableEO>false</TrnsfrOfCashToNoncharitableEO>
        <TrnsfrOthAssetsNoncharitableEO>false</TrnsfrOthAssetsNoncharitableEO>
        <SalesOrExchangesOfAssets>false</SalesOrExchangesOfAssets>
        <PurchaseAssetsNoncharitableEO>false</PurchaseAssetsNoncharitableEO>
        <RentalOfFacilitiesEtc>false</RentalOfFacilitiesEtc>
        <ReimbursementArrangements>false</ReimbursementArrangements>
        <LoansOrLoanGuarantees>false</LoansOrLoanGuarantees>
        <PerformanceOfServicesEtc>false</PerformanceOfServicesEtc>
        <SharingOfFacilitiesEtc>false</SharingOfFacilitiesEtc>
        <RelationshipsNoncharitableEOs>false</RelationshipsNoncharitableEOs>
      </TrnsfrTrRlnWithNoncharitableEO>
    </IRS990PF>
    <AccountingFeesSchedule documentId="STM108">
      <AccountingFees>
        <Category>TAX PREPARATION</Category>
        <Amount>1220</Amount>
        <NetInvestmentIncome>1220</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </AccountingFees>
    </AccountingFeesSchedule>
    <OtherAssetsSchedule documentId="STM120">
      <OtherAssets>
        <Description>BERKSHIRE HATHAWAY</Description>
        <BOYBookValue>9534</BOYBookValue>
        <EOYBookValue>9534</EOYBookValue>
        <EOYFMV>134060</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>FIDELITY ADVISOR NEW INSIGHTS FUND</Description>
        <BOYBookValue>244758</BOYBookValue>
        <EOYBookValue>247599</EOYBookValue>
        <EOYFMV>347690</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>CAPITAL WORLD BOND FUND</Description>
        <BOYBookValue>343701</BOYBookValue>
        <EOYBookValue>378270</EOYBookValue>
        <EOYFMV>499623</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>DELAWARE DIVERSIFIED INCOME FUND</Description>
        <BOYBookValue>158039</BOYBookValue>
        <EOYBookValue>176787</EOYBookValue>
        <EOYFMV>178663</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>EURO PACK GROWTH FUND</Description>
        <BOYBookValue>273508</BOYBookValue>
        <EOYBookValue>283076</EOYBookValue>
        <EOYFMV>288112</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>IVY ASSET STRATEGY</Description>
        <BOYBookValue>261655</BOYBookValue>
        <EOYBookValue>274341</EOYBookValue>
        <EOYFMV>325470</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>GROWTH FUND OF AMERICA</Description>
        <BOYBookValue>503870</BOYBookValue>
        <EOYBookValue>294023</EOYBookValue>
        <EOYFMV>330188</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>JACKSON NATIONAL</Description>
        <BOYBookValue>1164492</BOYBookValue>
        <EOYBookValue>1308380</EOYBookValue>
        <EOYFMV>1368379</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>INCOME FUND OF AMERICA</Description>
        <BOYBookValue>319771</BOYBookValue>
        <EOYBookValue>346194</EOYBookValue>
        <EOYFMV>365262</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>INVESTMENT COMPANY OF AMERICA</Description>
        <BOYBookValue>215423</BOYBookValue>
        <EOYBookValue>227771</EOYBookValue>
        <EOYFMV>224486</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>NEW PERSPECTIVE FUND</Description>
        <BOYBookValue>162969</BOYBookValue>
        <EOYBookValue>166943</EOYBookValue>
        <EOYFMV>179221</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>DAVIS NEW YORK VENTURE</Description>
        <BOYBookValue>226749</BOYBookValue>
        <EOYBookValue>242204</EOYBookValue>
        <EOYFMV>264011</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>KEELEY SMALL CAP VALUE FUND</Description>
        <BOYBookValue>90262</BOYBookValue>
        <EOYBookValue>90262</EOYBookValue>
        <EOYFMV>111206</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>LOOMIS SAYLES STRATEGIC INCOME FUND</Description>
        <BOYBookValue>121062</BOYBookValue>
        <EOYBookValue>136970</EOYBookValue>
        <EOYFMV>148596</EOYFMV>
      </OtherAssets>
      <OtherAssets>
        <Description>LINCOLN NATIONAL AMERICAN LEGACY</Description>
        <BOYBookValue>325618</BOYBookValue>
        <EOYBookValue>10070</EOYBookValue>
        <EOYFMV>10669</EOYFMV>
      </OtherAssets>
    </OtherAssetsSchedule>
    <OtherDecreasesSchedule documentId="STM116">
      <OtherDecreases>
        <Description>CORRECTION OF LINCOLN NAT LIFE BOOK</Description>
        <Amount>243707</Amount>
      </OtherDecreases>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="STM103">
      <OtherExpenses>
        <Description>UBS FEES</Description>
        <RevenueAndExpensesPerBooks>2771</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>2771</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </OtherExpenses>
      <OtherExpenses>
        <Description>CMF RENEWAL</Description>
        <RevenueAndExpensesPerBooks>1800</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>1800</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </OtherExpenses>
      <OtherExpenses>
        <Description>MICH FILING FEE</Description>
        <RevenueAndExpensesPerBooks>25</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>25</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </OtherExpenses>
      <OtherExpenses>
        <Description>MORGAN STANLEY FEES</Description>
        <RevenueAndExpensesPerBooks>14274</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>14274</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </OtherExpenses>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="STM106">
      <OtherIncome>
        <Description>JACKSON LIFE ANNUITY</Description>
        <RevenueAndExpensesPerBooks>143888</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>143888</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
      </OtherIncome>
    </OtherIncomeSchedule2>
    <TaxesSchedule documentId="STM110">
      <Taxes>
        <Category>FEDERAL FEES</Category>
        <Amount>500</Amount>
        <NetInvestmentIncome>500</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </Taxes>
      <Taxes>
        <Category>FOREIGN TAX</Category>
        <Amount>916</Amount>
        <NetInvestmentIncome>916</NetInvestmentIncome>
        <AdjustedNetIncome>0</AdjustedNetIncome>
        <DisbursementsCharitablePrps>0</DisbursementsCharitablePrps>
      </Taxes>
    </TaxesSchedule>
  </ReturnData>
</Return>