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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>EACH DIRECTOR, OFFICER, EMPLOYEE, AND VOLUNTEER MUST ANNUALLY SIGN A STATEMENT WHICH AFFIRMS THAT THEY RECEIVED A COPY OF THE CONFLICT OF INTEREST POLICY, HAS READ AND UNDERSTANDS THE POLICY, AGREES TO COMPLY WITH THE POLICY INCLUDING PROVIDING ANY REQUIRED DISCLOSURES, AND HAS DISCLOSED ANY INTEREST THAT MAY GIVE RISE TO AN ACTUAL OR POTENTIAL CONFLICT OF INTEREST.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 15</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CORPORATION HAS A COMPENSATION COMMITTEE CONSISTING OF AT LEAST TWO DIRECTORS AND EXCLUSIVELY OF DIRECTORS. DIRECTORS WHO ARE ALSO EMPLOYEES OR CONTRACTORS OF THE CORPORATION DO NOT SERVE ON THE COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE REVIEWS THE COMPENSATION OF THE PRESIDENT, TREASURER, VICE PRESIDENT AND CHIEF INVESTMENT OFFICER, AS WELL AS OF SUCH OTHER OFFICERS OF THE CORPORATION AS THE COMPENSATION COMMITTEE DETERMINES APPROPRIATE. THIS REVIEW OCCURS WHEN SUCH OFFICER IS HIRED, WHEN THE TERM OF EMPLOYMENT OF SUCH OFFICER IS RENEWED OR EXTENDED, AND PRIOR TO ANY INCREASE IN THE COMPENSATION OF SUCH OFFICER, UNLESS SUCH INCREASE IS DUE TO A MODIFICATION IN COMPENSATION THAT APPLIES TO SUBSTANTIALLY ALL OF THE EMPLOYEES OF THE CORPORATION. BASED ON ITS REVIEW, THE COMPENSATION COMMITTEE RECOMMENDS JUST AND REASONABLE COMPENSATION AMOUNTS TO THE BOARD.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 18</FormAndLineReferenceDesc>
        <ExplanationTxt>COPIES ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>NO - WE DO NOT DISCLOSE THESE TO THE PUBLIC.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART V, LINE 14 (B)</FormAndLineReferenceDesc>
        <ExplanationTxt>THIS ORGANIZATION DOES NOT OFFER OR PROVIDE TANNING SERVICES.</ExplanationTxt>
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