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        <ExplanationTxt>A COMPLETE COPY OF FORM 990 WAS FIRST PROVIDED TO SUB COMMITTEE TO REVIEW. THEN THE FULL BOARD WILL REVIEW IT AGAIN AT MONTHLY MEETING.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>OFFICERS, DIRECTORS OR TRUSTEES, AND KEY-EMPLOYEES SIGN THE POLICY WHEN THEY BEGIN AND CONFLICTS OF INTEREST ARE MONITORED DURING THE YEAR.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>THE ORGANIZATION DID A COMPANY WIDE STUDY OF COMPENSATION INCLUDING REVIEW AND APPROVAL BY INDEPENDENT PERSONS, COMPARABILITY DATA, AND DELIBERATION AND DECISION.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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      <SupplementalInformationDetail>
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</Return>