2025-08-15T12:26:13-05:00 2024-09-30 390758449 WIPFLI LLP 2501 W BELTLINE HWY STE 501 MADISON WI 53713 990 2023-10-01 016023748 PENQUIS CAP INC PENQ 2079733500 PO BOX 1162 BANGOR ME 044021162 DENISE CONARY CHIEF FINANCIAL OFFICER 2079733500 2025-08-13 1 1 QUINN DUGAN P02267768 6082741980 2025-08-13 2023 2025-03-06 01:10:19Z KARA HAY PO BOX 1162 BANGOR ME 044021162 66602601 0 X WWW.PENQUIS.ORG X 1967 ME TO ADMINISTER HEALTH, HOUSING, AND SOCIAL SERVICE PROGRAMS THAT WILL IMPROVE THE LIVES OF THE CITIZENS OF PENOBSCOT, PISCATAQUIS, KNOX, AND OTHER MAINE COUNTIES BY PROVIDING DIRECT SERVICES, CREATING OPPORTUNITIES FOR INDIVIDUALS LIVING IN POVERTY TO WORK TOWARD BECOMING SELF-SUFFICIENT, AND ACTIVELY IDENTIFYING AND MOBILIZING PUBLIC AND PRIVATE RESOURCES TO SUSTAIN THESE EFFORTS. 15 15 621 523 59 0 34677528 26632853 38036057 38782038 675510 1051435 26318 30422 73415413 66496748 26571144 14389593 0 0 31907513 31388915 0 191079 573336 13490764 19764241 71969421 65733828 1445992 762920 49969668 52196673 11831917 11051689 38137751 41144984 X THE MISSION IS TO ASSIST INDIVIDUALS AND FAMILIES IN PREVENTING, REDUCING, OR ELIMINATING POVERTY IN THEIR LIVES, AND, THROUGH PARTNERSHIPS, TO ENGAGE THE COMMUNITY IN ADDRESSING ECONOMIC AND SOCIAL NEEDS. 0 0 25929261 8937002 27109460 TRANSPORTATION SERVICES: PENQUIS REPORTS LYNX MOBILITY AND TRANSPORTATION BROKERAGE UNDER ONE DEPARTMENT. THE TRANSPORTATION BROKERAGE IS THE SINGLE SOURCE FOR SCHEDULING MAINECARE NONEMERGENCY TRANSPORTATION IN PENOBSCOT, PISCATAQUIS, SOMERSET, AND KENNEBEC COUNTIES. LYNX MOBILITY SERVICES PROVIDES AND COORDINATES NON MAINECARE TRANSPORTATION, INCLUDING TRANSPORTATION SERVICES TO GENERAL PUBLIC FOR TREATMENT FOR CANCER CLIENTS, AND FOR INDIVIDUALS WITH DISABILITIES. IT ALSO PROVIDES MAINECARE NON-EMERGENCY TRANSPORTATION IN SUPPORT OF THE TRANSPORTATION BROKERAGE. 9599672 874938 1090987 CHILD DEVELOPMENT SERVICES: SUPPORTS THE DEVELOPMENT OF CHILDREN TO THEIR HIGHEST POTENTIAL, RECOGNIZES PARENTS AS THE PRIME EDUCATORS OF THEIR CHILDREN, AND ASSISTS FAMILIES IN THE ATTAINMENT OF RESOURCES AND PERSONAL DEVELOPMENT RESULTING IN A HEALTHIER AND MORE PROSPEROUS COMMUNITY. 7784924 825353 3459003 THE FAMILY ENRICHMENT SERVICES: SUPPORTS FAMILIES, PARENTS, CHILDREN AND INDIVIDUALS IN BECOMING STRONGER, HEALTHIER AND MORE SELF-SUFFICIENT. THROUGH PERSONAL AND COMMUNITY SUPPORT, EARLY CHILDHOOD EDUCATION, VIOLENCE PREVENTION AND INTERVENTION, MENTAL AND BEHAVIORAL HEALTH SERVICES, AND APPROPRIATE LINKAGES, WE SUPPORT EACH FAMILY, PARENT, CHILD, INDIVIDUAL, AND THE COMMUNITY TO REACH PHYSICAL, EMOTIONAL AND ECONOMIC HEALTH. 7663774 134295 6173759 THE CHARLOTTE WHITE SUPPORT SERVICES DEPARTMENT: PROMOTES INDEPENDENCE IN THE LEAST RESTRICTIVE SETTING, OFFERING BOTH COMMUNITY AND RESIDENTIAL SUPPORT FOR SENIORS AND ADULTS WITH DISABILITIES. THROUGH INDIVIDUALIZED GOALS, EACH PERSON IS SUPPORTED TO REACH THEIR OPTIMAL SOCIAL, EMOTIONAL AND PHYSICAL SELF-SUFFICIENCY. 7570869 3611940 263268 HOUSING & ENERGY SERVICES: PROVIDES ASSISTANCE TO MOSTLY HOUSEHOLDS WHO ARE LOW TO MODERATE INCOME. FUEL ASSISTANCE AND WEATHERIZATION ARE THE LARGEST PROGRAMS WITHIN THE DEPARTMENT. WE OFFER HOME, LEAD AND OTHER INSPECTION SERVICES TO HOMEOWNERS AND WORK WITH COMMUNITIES TO ADMINISTER COMMUNITY SERVICE BLOCK GRANTS. OUR GOAL IS TO KEEP PEOPLE IN HOMES THAT ARE SAFE AND HEALTHY. MOST PROGRAMS COVER THE THREE-COUNTY AREA OF PENOBSCOT, PISCATAQUIS AND KNOX. 2267218 6065 500095 OTHER SERVICES 1318260 0 185466 HOUSING DEVELOPMENT SERVICES: PROMOTES THE DEVELOPMENT, FINANCING, AND PRESERVATION OF AFFORDABLE HOUSING FOR LOW AND MODERATE-INCOME RENTAL OPPORTUNITIES. 18820121 3752300 7122588 62133978 1 1 0 0 0 0 0 0 1 0 1 0 1 1 1 1 0 1 0 0 0 0 0 1 1 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 1 181 0 621 1 1 1 0 0 0 0 0 0 0 0 0 0 0 X 15 15 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X DENICE CONARY 2079733500 PO BOX 1162 BANGOR ME 044021162 MARK LEONARD CHAIR 1.00 2.00 X X 0 0 0 LAURA SANBORN VICE CHAIR 1.00 X X 0 0 0 CONNIE PUTNAM SECRETARY 1.00 X X 0 0 0 HEATHER BLACKWELL DIRECTOR 1.00 X 0 0 0 ANGELA FILECCIA DIRECTOR 1.00 X 0 0 0 BRENT FOLSTER DIRECTOR 1.00 1.00 X 0 0 0 CYNTHIA GARDNER DIRECTOR 1.00 X 0 0 0 DAVID GREEN DIRECTOR 1.00 X 0 0 0 KEVIN GREGORY DIRECTOR 1.00 X 0 0 0 JOSEPH LEONARD DIRECTOR 1.00 X 0 0 0 AMY SUE MCGILL DIRECTOR 1.00 X 0 0 0 LAURA MELLITS DIRECTOR 1.00 X 0 0 0 PATRICK POLKY DIRECTOR 1.00 X 0 0 0 MARY PRYBYLO DIRECTOR 1.00 X 0 0 0 WILLIAM THOMPSON DIRECTOR 1.00 X 0 0 0 KARA HAY CHIEF EXECUTIVE OFFICER 40.00 0.02 X 249207 0 34929 DENICE CONARY CHIEF FINANCIAL OFFICER 40.00 1.00 X 183784 0 25776 HEIDI LEBLANC CHIEF OPERATING OFFICER 40.00 1.00 X 165150 0 2636 JENNIFER GIOSIA DIRECTOR - HES 40.00 X 162860 0 21231 JANEEN FEERO DEVELOPMENT DIRECTOR 40.00 X 161205 0 45824 STEVEN RICHARD DIRECTOR - TRANSPORTATION 40.00 X 144853 0 27367 DANIELLE GOODALE DIRECTOR - HR 40.00 X 134851 0 8467 JASON BIRD DIRECTOR - HD 22.00 18.00 X 128015 0 29377 1329925 0 195607 13 0 1 0 RON GALLANT DBA CAMPUS TAXI 47 HILLIARD ST OLD TOWN ME 04468 TRANSPORTATION SERVICES 826654 FAB CAB LLC 385 S MAIN ST BREWER ME 04412 TRANSPORTATION SERVICES 723012 C & S CAB COMPANY PO BOX 157 OLD TOWN ME 04468 TRANSPORTATION SERVICES 645484 MAS STAFFING 156 HARVEY RD LONDONDERRY NH 03053 STAFFING SERVICES 613026 MARTY'S TAXI PO BOX 581 MILFORD ME 04461 TRANSPORTATION SERVICES 430044 25 58808 137644 25786291 650110 9881 26632853 TRANSPORTATION SERVICES 624100 27109460 27109460 CHARLOTTE WHITE SUPPORT SERVICES 624100 6155887 6155887 FAMILY ENRICHMENT SERVICES 624100 3459003 3459003 CHILD DEVELOPMENT SERVICES 624410 1090987 1090987 RENTAL INCOME 531390 412967 412967 553734 553734 38782038 333150 333150 480041 333951 0 95707 480041 238244 718285 718285 0 137644 3612 -3612 -3612 6593 6534 59 59 33975 33975 33975 66496748 38782038 59 1081798 14389593 14389593 692982 692982 23755922 22513111 1105751 137060 1103515 1048290 48843 6382 3954895 3678062 254441 22392 1881601 1736986 134040 10575 10191 10191 567613 499120 51947 16546 146316 128660 13391 4265 191079 191079 2306106 2077869 173102 55135 32657 28716 2989 952 914895 804496 83730 26669 603856 530990 55264 17602 1337502 1222005 108022 7475 10190990 10174086 16326 578 361852 318188 33116 10548 71495 62868 6543 2084 1048101 1045433 2668 687156 604238 62888 20030 FOOD 866597 762026 79310 25261 SERVICE PROVIDER TAX 292242 256977 26746 8519 MINOR EQUIPMENT/RENOVAT 124849 122569 1989 291 EQUIPMENT PURCHASES 48166 47287 767 112 153657 72217 71659 9781 65733828 62133978 3026514 573336 498717 501200 12254928 8743419 4949714 6179188 300503 512635 3907317 3740687 83803 78073 789122 832376 15443698 8127297 7150048 7316401 11686243 14635583 4901909 4523959 249237 0 3198127 5133152 49969668 52196673 2515543 2874787 3381333 1859952 12536 8600 5262956 5070512 200652 396450 458897 841388 11831917 11051689 X 36108119 38881853 2029632 2263131 38137751 41144984 49969668 52196673 X 762920 2260100 -15787 X 0 1 X 1 1 1 X 23814590 38926707 58179601 34677528 26632853 182231279 23814590 38926707 58179601 34677528 26632853 182231279 182231279 274475 378434 475538 688789 333150 2150386 40885 43263 14602 26318 0 125068 33975 33975 184540708 189110953 0.98750 0.98760 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 818632 818632 9365146 4171768 5193378 4511479 3263681 1247798 748441 691848 56593 7316401 INTEREST IN MAINESTREAM 1386832 C INTEREST IN PENQUIS DEVELOPMENT, INC. 1251876 C INTEREST IN PENQUIS HOUSING INC. 276691 C INTEREST IN PENQUIS MENTAL HEALTH ASSOCIATION 1608560 C 4523959 PROPERTY HELD FOR DEVELOPMENT 284500 DUE FROM AFFILIATES 2975378 WORK IN PROGRESS 1372703 CASH SURRENDER VALUE OF LIFE INSURANCE 87877 ROU ASSETS - OPERATING 412694 5133152 VEHICLE RESERVE 288026 OPERATING LEASE LIABILITIES 415862 DEFERRED COMPENSATION 137500 841388 X PART IV, LINE 2B: THE AMOUNT ON FORM 990, PART X, LINE 21 REPRESENTS SECURITY DEPOSIT BALANCES IN AGGREGATE COLLECTED FROM TENANTS UPON MOVE IN AND WILL BE RETURNED UPON VACATING PROPERTY. PART X, LINE 2: THE ORGANIZATIONS ARE REQUIRED TO ASSESS WHETHER THEY ARE MORE LIKELY THAN NOT THAT A TAX POSITION WILL BE SUSTAINED UPON EXAMINATION ON THE TECHNICAL MERITS OF THE POSITION ASSUMING THE TAXING AUTHORITY HAS FULL KNOWLEDGE OF ALL INFORMATION. IF THE TAX POSITION DOES NOT MEET THE MORE LIKELY THAN NOT RECOGNITION THRESHOLD, THE BENEFIT OF THAT POSITION IS NOT RECOGNIZED IN THE FINANCIAL STATEMENTS. THE ORGANIZATIONS HAVE DETERMINED THERE ARE NO AMOUNTS TO RECORDS AS ASSETS OR LIABILITIES RELATED TO UNCERTAIN TAX POSITIONS. X X X X X 1 CONVERGENT NONPROFIT SOLUTIONS LLC 2451 CUMBERLAND PARKWAY SUITE 367 ATLANTA GA 303396136 CONSULTANT FOR BRIGHT BEGINNINGS CAPITAL CAMPAIGN 0 277750 191079 86671 277750 191079 86671 ME TURKEY TELETHON 60243 60243 959 CHRISTMAS IS FOR KIDS 64446 64446 109 2130 1 12955 12955 138 276 137644 137644 247 3365 3612 -3612 1 ASSIST FAMILIES IN BECOMING SELF SUFFICIENT 28937 824911 CHILDREN EDUCATION ACTIVITIES 1275 874938 CLIENT HOUSING 1058 491083 FOSTER GRANDPARENT STIPENDS 46 134295 HEATING ASSISTANCE 12774 160965 HOME REPAIR AND WEATHERIZATION 258 2951094 INDIVIDUAL DEVELOPMENT ACCOUNTS - HOME, EMERGENCY, BUSINESS, EDUCATION 7 8798 RAPE RESPONSE SERVICES 495 6065 TRANSPORTATION - LOW INCOME INDIVIDUAL & BUS PASSES 16260 8937002 VOLUNTEER SUPPORT 10 442 PART I, LINE 2: RECIPIENTS OF GRANT AWARDS ARE REQUIRED TO OPERATE WITHIN THE LIMITS OF A SIGNED AGREEMENT WHICH INCORPORATES ALL FEDERAL AND STATE REQUIREMENTS OF THE ORIGINAL GRANT AWARD. REPORTS AND MONITORING VISITS ARE MADE AS REQUIRED AND NECESSARY TO ASSURE COMPLIANCE WITH GRANT REQUIREMENTS. X X 0 1 0 0 0 0 0 0 0 KARA HAY CHIEF EXECUTIVE OFFICER 238898 0 0 0 10309 0 18268 0 16661 0 284136 0 0 0 DENICE CONARY CHIEF FINANCIAL OFFICER 179702 0 0 0 4082 0 13957 0 11819 0 209560 0 0 0 JANEEN FEERO DEVELOPMENT DIRECTOR 154737 0 0 0 6468 0 11715 0 34109 0 207029 0 0 0 JENNIFER GIOSIA DIRECTOR - HES 156392 0 0 0 6468 0 8663 0 12568 0 184091 0 0 0 STEVEN RICHARD DIRECTOR - TRANSPORTATION 138680 0 0 0 6173 0 10930 0 16437 0 172220 0 0 0 HEIDI LEBLANC CHIEF OPERATING OFFICER 158555 0 0 0 6595 0 0 0 2636 0 167786 0 0 0 JASON BIRD DIRECTOR - HD 127955 0 0 0 60 0 7274 0 22103 0 157392 0 0 0 PART I, LINE 4B SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS - SERPS: KARA HAY $25,000 DENICE CONRAY $20,000 HEIDI LEBLANC $20,000 FORM 990, PART VI, SECTION B, LINE 11B A DRAFT OF THE FORM 990 IS PRESENTED TO THE FINANCE COMMITTEE BY THE CHIEF FINANCIAL OFFICER. THE COMMITTEE, AS DESIGNATED BY THE PENQUIS BOARD OF DIRECTORS, APPROVES THE FILING OF THE TAX RETURN. FORM 990, PART VI, SECTION B, LINE 12C NO PERSON SHALL BE AT ONCE AN EMPLOYEE OF THE CORPORATION AND A MEMBER OF THE BOARD OF DIRECTORS OR ONE OF ITS STEERING COMMITTEES. NO PERSON MAY SERVE AS A MEMBER OF THE BOARD OF DIRECTORS WHILE THAT PERSON'S HUSBAND, WIFE, CHILD, SIBLING, OR PARENTS IS AN EMPLOYEE OF THE CORPORATION. MEMBERS OF THE BOARD OF DIRECTORS MAY NOT APPLY FOR EMPLOYMENT WITH THE CORPORATION, ITS SUBSIDIARIES OR DELEGATES. BOARD OF DIRECTORS AND STEERING COMMITTEE MEMBERS MAY NOT DIRECTLY OR INDIRECTLY SOLICIT OR ACCEPT GRATUITIES OF A MONETARY VALUE FROM ANY RECIPIENT OF THE CORPORATION'S SERVICES OR FROM ANY ORGANIZATION WITH WHICH THE CORPORATION HAS A CONTRACTUAL RELATIONSHIP. BOARD OF DIRECTORS AND STEERING COMMITTEE MEMBERS MAY NOT HAVE A FINANCIAL CONFLICT OF INTEREST WITH THE AGENCY. THE BOARD OF DIRECTORS AND STEERING COMMITTEE MEMBERS MAY NOT RECEIVE COMPENSATION FOR SERVING ON THE BOARD OF DIRECTORS OR STEERING COMMITTEE. THE BOARD OF DIRECTORS MEMBERS SHALL OPERATE AS AN ENTITY INDEPENDENT OF STAFF EMPLOYED BY THE AGENCY. PENQUIS ALSO HAS A SPECIFIC CONFLICT OF INTEREST POLICY WHICH FURTHER DEFINES THE CORPORATE POLICY AND RELATED PRACTICES. BOARD MEMBERS AND THE EXECUTIVE LEADERSHIP TEAM ARE REQUIRED TO SIGN A CONFLICT OF INTEREST POLICY YEARLY AT THE ORGANIZATION'S ANNUAL MEETING. FURTHERMORE, AT THE BEGINNING OF EACH BOARD MEETING, AGENDA ITEMS ARE REVIEWED FOR POSSIBLE CONFLICTS WITH MEMBERS. IF A CONFLICT ARISES, THE MEMBER IS ASKED TO STEP OUT OF THE ROOM FOR THE DISCUSSION AND VOTING PERIOD ON THAT ITEM. FORM 990, PART VI, SECTION B, LINE 15 AN INDEPENDENT COMPENSATION SURVEY IS COMPLETED BY THE ORGANIZATION EVERY THREE YEARS FOR NON-EXECUTIVE LEADERSHIP TEAM EMPLOYEES. A FAIR MARKET ANALYSIS IS DONE YEARLY FOR EXECUTIVE LEADERSHIP TEAM EMPLOYEES AND ADJUSTED AS NECESSARY TO REFLECT CURRENT MARKET CONDITIONS. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. THE DOCUMENTS ARE COPIED AND MAILED TO THE REQUESTOR AS SOON AS THEY ARE AVAILABLE. NOTIFICATION OF THE MONTHLY BOARD OF DIRECTORS' MEETINGS IS PLACED IN THE LOCAL NEWSPAPER. THE PUBLIC IS INVITED TO ATTEND THE MEETINGS. A PORTION OF THE MONTHLY BOARD MEETING IS DEDICATED TO PUBLIC COMMENTS. FORM 990, PART XI, LINE 9: EQUITY TRANSFER -15,787. BROADWAY HOUSING INC PO BOX 1162 BANGOR ME 04402 271744129 PROMOTE AND PROVIDE AFFORDABLE HOUSING FOR ELDERLY RESIDENTS ME 501(C)(3) LINE 7 PENQUIS CAP INC 1 RAPE RESPONSE SERVICES INC PO BOX 1162 BANGOR ME 04402 010441773 PROVIDES SERVICES TO SEXUAL ASSAULT VICTIMS AND EDUCATION AND PREVENTION ME 501(C)(3) LINE 7 PENQUIS CAP INC 1 PENQUIS DEVELOPMENT INC PO BOX 1162 BANGOR ME 04402 010541817 PROMOTE AND DEVELOP AFFORDABLE HOUSING ME 501(C)(3) LINE 10 PENQUIS CAP INC 1 MAINESTREAM FINANCE PO BOX 1162 BANGOR ME 04402 010539222 FINANCING ACTIVITIES IN SUPPORT OF COMMUNITY DEVELOPMENT ME 501(C)(3) LINE 7 PENQUIS CAP INC 1 CHARLOTTE WHITE CENTER PO BOX 1162 BANGOR ME 04402 222582271 MAINTENANCE AND DEVELOPMENT OF SERVICES TO DEVELOPMENTALLY DISABLED ME 501(C)(3) LINE 7 PENQUIS CAP INC 1 PENQUIS MENTAL HEALTH ASSOCIATION PO BOX 1162 BANGOR ME 04402 010323280 MAINTENANCE AND DEVELOPMENT OF SERVICES TO DEVELOPMENTALLY DISABLED ME 501(C)(3) LINE 7 PENQUIS CAP INC 1 LAKEVIEW SENIOR HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 263701919 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 NORTHSIDE FAMILY HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 203712024 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 VEAZIE VILLAGE SENIOR HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 205888602 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 CORUNDEL COMMONS SENIOR HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 020677677 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 STRAW WAY HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 651221518 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 LEONARD LAKE SENIOR HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 383856675 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 CHAMBERLAIN PLACE SENIOR HOUSING LP PO BOX 1162 BANGOR ME 04402 272396150 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 ERNST MANOR HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 364770084 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 GRANDVIEW HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 824107760 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 NEWTON PLACE LP PO BOX 1162 BANGOR ME 04402 843072833 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 PENQUIS FAMILY HOUSING ASSOCIATES LP PO BOX 1162 BANGOR ME 04402 020677680 AFFORDABLE HOUSING ME PENQUIS HOUSING INC RELATED 0 0 PENQUIS HOUSING INC PO BOX 1162 BANGOR ME 04402 205888483 HOUSING DEVELOPMENT, ACQUIRE FINANCING ME PENQUIS COMMUNITY ACTION AGENCY C -140135 720380 1.00000 1 0 0 0 0 0 0 0 0 0 1 0 1 0 1 1 1 1 0 1 MAINESTREAM FINANCE O 72011 CASH PENQUIS DEVELOPMENT INC O 304937 CASH PENQUIS DEVELOPMENT INC S 1146753 FAIR MARKET VALUE PENQUIS MENTAL HEALTH ASSOCIATION S 404535 FAIR MARKET VALUE MAINESTREAM FINANCE S 86995 FAIR MARKET VALUE