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        <ExplanationTxt>AN ANNUAL REVIEW OF VENDORS AND OTHER CONTRACT RELATIONSHIPS IS PERFORMED TO ENSURE NO CONFLICTS EXIST.</ExplanationTxt>
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        <ExplanationTxt>THERE ARE NO EMPLOYEES OR TRUSTEES WHOM RECEIVE COMPENSATION FROM THE VEBA, THEREFORE NO INDEPENDENT COMPENSATION REVIEWS ARE CONDUCTED. HOWEVER, THE ASSOCIATION HAS RECEIVED AN OUTSIDE INDEPENDENT LEGAL OPINION THAT STATES THAT AS LONG AS THE CONTRACT ADMINISTRATOR'S FEE INCREASE DOES NOT EXCEED THE ANNUAL PUBLISHED CPI, AN INDEPENDENT REVIEW IS NOT REQUIRED.</ExplanationTxt>
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        <ExplanationTxt>THE GOVERNING TRUST DOCUMENT, CONFLICT OF INTEREST POLICY AND FROM 990 ARE AVAILABLE TO THE PUBLIC BY REQUEST.</ExplanationTxt>
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