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        <ContributingManager>JAY NELSON</ContributingManager>
        <ContributingManager>MARILYN NELSON</ContributingManager>
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        <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>
    <IRS990ScheduleB documentId="RetDoc1">
      <Organization501c3ExemptPF>X</Organization501c3ExemptPF>
      <GeneralRule>X</GeneralRule>
      <ContributorInfo>
        <ContributorNumber>1</ContributorNumber>
        <ContributorNameIndividual>JAY N NELSON</ContributorNameIndividual>
        <ContributorAddressUS>
          <AddressLine1>9095 S SAGINAW STREET UNIT 13</AddressLine1>
          <City>GRAND BLANC</City>
          <State>MI</State>
          <ZIPCode>48439</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>137450</AggregateContributions>
        <PersonContributionType>X</PersonContributionType>
        <NoncashContributionType>X</NoncashContributionType>
      </ContributorInfo>
      <ContributorInfo>
        <ContributorNumber>2</ContributorNumber>
        <ContributorNameIndividual>MARILYN NELSON</ContributorNameIndividual>
        <ContributorAddressUS>
          <AddressLine1>9095 S SAGINAW STREET UNIT 13</AddressLine1>
          <City>GRAND BLANC</City>
          <State>MI</State>
          <ZIPCode>48439</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>17395</AggregateContributions>
        <PersonContributionType>X</PersonContributionType>
      </ContributorInfo>
      <NoncashProperty>
        <ContributorNumberFromPartI>1</ContributorNumberFromPartI>
        <NoncashPropertyDescription>700 SHS INTUIT</NoncashPropertyDescription>
        <FairMarketValue>37450</FairMarketValue>
        <DateReceived>2011-12-29</DateReceived>
      </NoncashProperty>
    </IRS990ScheduleB>
    <AccountingFeesSchedule documentId="RetDoc3">
      <AccountingFees>
        <Category>PROFESSIONAL SERVICES</Category>
        <Amount>5720</Amount>
        <NetInvestmentIncome>5720</NetInvestmentIncome>
      </AccountingFees>
    </AccountingFeesSchedule>
    <CompensationExplanation documentId="RetDoc4">
      <Compensation>
        <PersonName>JAY N NELSON</PersonName>
      </Compensation>
      <Compensation>
        <PersonName>MARILYN S NELSON</PersonName>
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      <Compensation>
        <PersonName>ROBIN N NELSON</PersonName>
      </Compensation>
      <Compensation>
        <PersonName>BONNIE S HASCHKE</PersonName>
      </Compensation>
      <Compensation>
        <PersonName>DAVID N NELSON</PersonName>
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    <GainLossSaleOtherAssetsSch documentId="RetDoc5">
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        <Name>700 SHS INTUIT</Name>
        <DateAcquired>2010-01</DateAcquired>
        <HowAcquired>DONATION</HowAcquired>
        <DateSold>2011-12</DateSold>
        <GrossSalesPrice>37008</GrossSalesPrice>
        <Basis>37450</Basis>
        <TotalNet>-442</TotalNet>
      </GainLossSaleOtherAsset>
      <GainLossSaleOtherAsset>
        <Name>540 SHS MFC ISHARES TR MSCI</Name>
        <DateAcquired>2010-01</DateAcquired>
        <HowAcquired>PURCHASE</HowAcquired>
        <DateSold>2011-12</DateSold>
        <GrossSalesPrice>26692</GrossSalesPrice>
        <Basis>30907</Basis>
        <TotalNet>-4215</TotalNet>
      </GainLossSaleOtherAsset>
    </GainLossSaleOtherAssetsSch>
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      <InvestmentsCorpStock>
        <NameOfStock>MFO VANGUARD FIXED INCOME</NameOfStock>
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        <EOYFMV>14706</EOYFMV>
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      <InvestmentsCorpStock>
        <NameOfStock>MFC SPDR GOLD</NameOfStock>
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        <EOYFMV>24318</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MFO PIMCO FDS</NameOfStock>
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        <EOYFMV>21317</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MFB NORTHERN MID CAP INDEX FD</NameOfStock>
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        <EOYFMV>34701</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MFC VANGUARD REIT ETF</NameOfStock>
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        <EOYFMV>20590</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MFC ISHARES TR MSCI</NameOfStock>
        <EOYBookValue>128489</EOYBookValue>
        <EOYFMV>115405</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MFC VANGUARD INTL EQUITY</NameOfStock>
        <EOYBookValue>106987</EOYBookValue>
        <EOYFMV>98391</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>ISHARES TR RUSSELL</NameOfStock>
        <EOYBookValue>246899</EOYBookValue>
        <EOYFMV>267075</EOYFMV>
      </InvestmentsCorpStock>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc7">
      <InvestmentsOther>
        <CategoryOrItem>MFB NORTHERN HIGH YIELD FIXED INCOME</CategoryOrItem>
        <ListedAtCostOrFMV>AT COST</ListedAtCostOrFMV>
        <BookValue>55842</BookValue>
        <EOYFMV>59314</EOYFMV>
      </InvestmentsOther>
      <InvestmentsOther>
        <CategoryOrItem>MFB NORTHERN FDS SMALL CAP INDEX FUN</CategoryOrItem>
        <ListedAtCostOrFMV>AT COST</ListedAtCostOrFMV>
        <BookValue>32696</BookValue>
        <EOYFMV>33858</EOYFMV>
      </InvestmentsOther>
      <InvestmentsOther>
        <CategoryOrItem>MFO FIDELITY CONTRAFUND</CategoryOrItem>
        <ListedAtCostOrFMV>AT COST</ListedAtCostOrFMV>
        <BookValue>31494</BookValue>
        <EOYFMV>36896</EOYFMV>
      </InvestmentsOther>
    </InvestmentsOtherSchedule2>
    <OtherExpensesSchedule documentId="RetDoc8">
      <OtherExpenses>
        <Description>EXPENSES</Description>
      </OtherExpenses>
      <OtherExpenses>
        <Description>OFFICE EXPENSE</Description>
        <RevenueAndExpensesPerBooks>500</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>500</NetInvestmentIncome>
      </OtherExpenses>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc9">
      <OtherIncreases>
        <Description>NON DIVIDEND DISTRIBUTION</Description>
        <Amount>240</Amount>
      </OtherIncreases>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="RetDoc10">
      <Taxes>
        <Category>FOREIGN TAX PAID</Category>
        <Amount>742</Amount>
        <NetInvestmentIncome>742</NetInvestmentIncome>
      </Taxes>
    </TaxesSchedule>
  </ReturnData>
</Return>