Scott W. Dales

Comcast Corp Class A Common — Int/Div

AT&T — Int/Div

Vodafone Group PLC — Int/Div

Verizon Communications Common Stock — Int/Div

CenturyLink, Inc. Common (fka Qwest Communications Int'l) — Int/Div

Frontier Communications Corp. — None

Trustco Bank Corp. NY Common (UTMA) — Int/Div

Met Life Policy Holders Trust (common stock) — Int/Div

Brighthouse Financial (common stock) — None — from line 8)

Principal Funds TOD (H)

SAM Flexible Income Portfolio (A) — Int/Div

Kalamazoo Commumty Foundation 401(X) and 403(b) JDD)Y (HY

T Rowe Price Retirement 1 2030 (See Part VIII) — Int/Div

TIAACREF 40)b) Retirement Fund (JDD) — Int./y

American Funds 529A Accounts (Thru Princor Financial) (H)

American Funds College Enrollment Fund — Int/Div

American Funds College Enrollment Fund — Sold (part)

American Funds College Enrollment Fund — Sold (part)

American Funds College 2018 Fund 529A (CENAX) — Int/Div

Principal Financial Group Variable Universal Life (SWD) (H)

LifeTime 2030 — Int/Div — Buy

Capital Appreciation (Principal Funds) — Int/Div — Redeemed

Diversified International (Principal Funds) — Int/Div — Redeemed

Dreyfus VIF Opportumstic Small Cap (Drevius) — Int/Div — Redeemed

Equity Income Account (Principal Funds) — Int/Div — Redeemed

Fidelity VIP Equity-Income (Fidelity Funds) — Int/Div — Redeemed

Invesco Core Equity (Invesco Investment Services, Inc.) — Int/Div — Redeemed

Largecap Growth (Principal Funds) — Int/Div — Redeemed

Midcap (Principal Funds) — Int/Div — Redeemed

Principal Core Plus Bond (Principal Funds) ka Bond & Mortgage Secs. — Int/Div — Redeemed

Principal Financial Group Variable Universal Life JDD) (H)

LifeTime 2030 — Int/Div — Buy

Capital Appreciation (Principal Funds) — Int/Div — Redeemed

Diversified International (Principal Funds) — Int/Div — Redeemed

Dreyfus VIF Opportunistic Small Cap {Drevfus) — Int/Div — Redeemed

Equity Income Account (Principal Funds) — Int/Div — Redeemed

Fidelity VIP Equity-Income (Fidelity Funds) — Int/Div — Redeemed

Invesco Core Equity (Invesco Investment Services, Inc.) — Int/Div — Redeemed

Largecap Growth (Principal Funds) — Int/Div — Redeemed

Midcap (Principal Funds) — Int/Div — Redeemed

Principal Core Plus Bond (Principal Funds) fka Bond & Mortgage Secs. — Int/Div — Redeemed

Lake Michigan Federal Credit Union {Deposit Accounts) — Interest

PNC Bank (Deposit Accounts) — Interest

Secretary, Chief Lake Property Owners Assn

Reimbursement — American Bankruptcy Institute (ABI) — Nov. 17.2017 — Troy, MI — Panelist at legal education seminar — Mileage

Reimbursement — Federal Bar Assn (Western Michigan Bankr. Section) — July 27-29, 2017 — Harbor Springs MI — Panelist at Bar Assn Mtg, legal seminar — Mileage and lodging for 2 nights

Spouse's income — 2017 — Kalamazoo Community Foundation (Wages)

Part VII, lines 1-6: The stock interests in the "Buby Bells" and their successors are the product of a gift

These "Baby Bell” assets on Lines 1-6 are disclosed though below the reporting threshold.

Part VII, line 8-9. JN received the Brighthouse Financial, Inc, stock as # spin-off from MetLife and it is included although below the reporting threshhold.

Part VII, line 12: the Kalamazoo Community Foundation retirement plan reported “gains™ which | assume take the form of reinvested tax-deferred dividends or

other return on investment. This is JIN retirement account.

Part VII, line 14: the TIAA-CREF reported “gains” which 1 assume take the form of reinvested tax-deferred dividends or other retum on investment. This is Jill

I retirement account.

Part VII, lines | 5-19: The 529A accounts listed on these lines are perhaps better identified as part of the American Funds College Turget Date Series 2018, a

college savings financial product tailored to the timing of anticipated ition and other colleged related costs, given the ages of our children. We took two partial

distributions from the college savings accounts (College Enrollment Fund 529A (CENEX))

PN. With respect to the reported gains and dividends, the American Funds 529A accounts historically declare and distribute capital gains and dividends at

wear end (in this case, Dec. 2017) based on balances at that time. The gains and dividends in our college savings accounts are automatically reinvested, again at

year end.

Part VII, lines 20-41. The funds listed after line 20 and line 31 arc listed as supporting detail regarding the two Variable Universal Life ("VUL") policies that my

wife and I own. The funds included under the VUL heading are "sub account” or "mirror" assets of the Principal Financial Group or its subsidiaries, and do not

belong to us. Rather, my wife und | own the VUL insurance contracts, and we do not have an ownership interest in the msurance company’s assets used to fund

the policy, nor does the insurance company provide us with transaction information telling us when the insurance company acquired (or disposed of) underlying

assets the company uses to meet its obligations under the life insurance contract. The account statements for the VUL policies also do not provide information

regarding income related to the sub-accounts during the reporting period, so 1am unable to provide the information for these sub-gecounts based on these

statements. 1 included the specific fund detail in the interest of full disclosure, although the specific assets are not reportable. In Nov. 2017, we consolidated

the sub-accounts (individually identified under the VUL Policies) into the Life Time 2030 fund, primarily to simplify annual finanical disclosure reporting. The

exchange occurred at our direction without gain or loss.