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        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
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        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>CATANIA AMY</PersonNm>
          <USAddress>
            <AddressLine1Txt>383 PARK AVENUE</AddressLine1Txt>
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          </USAddress>
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          <USAddress>
            <AddressLine1Txt>173 KIWASSA ROAD</AddressLine1Txt>
            <CityNm>SARANAC LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12983</ZIPCd>
          </USAddress>
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          <USAddress>
            <AddressLine1Txt>29 BIRCH KNOLL DRIVE</AddressLine1Txt>
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            <AddressLine1Txt>89 CHURCH STREET</AddressLine1Txt>
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            <ZIPCd>12983</ZIPCd>
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          <TitleTxt>DIRECTOR</TitleTxt>
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        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>MONROE PATRICIA</PersonNm>
          <USAddress>
            <AddressLine1Txt>2249 STATE ROUTE 86 SUITE 3</AddressLine1Txt>
            <CityNm>SARANAC LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12983</ZIPCd>
          </USAddress>
          <TitleTxt>DIRECTOR</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
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          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>NEILL ROGER</PersonNm>
          <USAddress>
            <AddressLine1Txt>90 MAIN STREET</AddressLine1Txt>
            <CityNm>SARANAC LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12983</ZIPCd>
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          <TitleTxt>DIRECTOR</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>NEWMAN WAYNE</PersonNm>
          <USAddress>
            <AddressLine1Txt>61 PETROVA AVENUE</AddressLine1Txt>
            <CityNm>SARANAC LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12983</ZIPCd>
          </USAddress>
          <TitleTxt>DIRECTOR</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>SHERIDAN WILHEMINA</PersonNm>
          <USAddress>
            <AddressLine1Txt>PO BOX 224</AddressLine1Txt>
            <CityNm>RAINBOW LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12976</ZIPCd>
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          <TitleTxt>SECRETARY</TitleTxt>
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          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>SIMKINS MARK</PersonNm>
          <USAddress>
            <AddressLine1Txt>8 SARANAC LANE</AddressLine1Txt>
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          <TitleTxt>DIRECTOR</TitleTxt>
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          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
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        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>STEVENS CRAIG</PersonNm>
          <USAddress>
            <AddressLine1Txt>5 MORGANS LANE</AddressLine1Txt>
            <CityNm>SARANAC LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12983</ZIPCd>
          </USAddress>
          <TitleTxt>TREASURER</TitleTxt>
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          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
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        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>WHIDDEN JAMIE</PersonNm>
          <USAddress>
            <AddressLine1Txt>78 WILL ROGERS DRIVE SUITE 400</AddressLine1Txt>
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            <ZIPCd>12983</ZIPCd>
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          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
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        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
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        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
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      <InvestmentsCorporateStockGrp>
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      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
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        <StockNm>BROOKFIELD PROPERTY REIT INC.</StockNm>
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      <InvestmentsCorporateStockGrp>
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        <StockNm>CVS HEALTH CORP.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CYRUSONE INC. REIT</StockNm>
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        <StockNm>FLIR SYSTEMS INC.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>GOLDMAN SACHS GROUP INC. PFD</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>HEWLETT PACKARD</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>INTERNATIONAL BUSINESS MACHINES CORP</StockNm>
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        <EOYFMVAmt>66645</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>JPMORGAN CHASE &amp; COMPANY</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MORGAN STANLEY COMPANY</StockNm>
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        <EOYFMVAmt>57532</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>PFIZER INC.</StockNm>
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        <EOYFMVAmt>55722</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>QUALCOMM INC.</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TAIWAN SEMICONDUCTOR MFG. LTD.</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNILEVER PLC</StockNm>
        <EOYBookValueAmt>54300</EOYBookValueAmt>
        <EOYFMVAmt>58873</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VIATRIS INC.</StockNm>
      </InvestmentsCorporateStockGrp>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FIRST TRUST ENHANCED SHORTMATURITY</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES A RATE CORPORATE BOND ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE MSCI EMERGING MARKETS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>150451</BookValueAmt>
        <EOYFMVAmt>165481</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES EAFE VALUE ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>228621</BookValueAmt>
        <EOYFMVAmt>339783</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES USA MINIMUM VOLATILITY ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR ICE PREFERRED SECURITIES</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR MSCI USA STRATEGICFACTORS ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR WELLS FARGO PFD STOCK ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>133515</BookValueAmt>
        <EOYFMVAmt>115943</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD HIGH DIVIDEND YIELD ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>443626</BookValueAmt>
        <EOYFMVAmt>754131</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD SHORT TERM INFLATION PROTEC</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>WISDOMTREE US MIDCAP DIVIDEND FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>110013</BookValueAmt>
        <EOYFMVAmt>192105</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES TR USD INV</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>488370</BookValueAmt>
        <EOYFMVAmt>501912</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES TR 1 3 YR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>111838</BookValueAmt>
        <EOYFMVAmt>111668</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES TR TCW</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>391693</BookValueAmt>
        <EOYFMVAmt>384290</EOYFMVAmt>
      </InvestmentsOtherGrp>
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