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        <ExplanationTxt>THE INDEPENDENT AUDITORS PREPARE THE FORM 990 AND IT IS PRESENTED TO THE BOARD BEFORE BEING SIGNED AND FILED.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>BOARD MEMBERS WITH KNOWN CONFLICTS ARE EXCUSED FROM DISCUSSION PERTAINING TO CONFLICTS OF INTEREST AND DO NOT PARTICIPATE IN THE VOTING ON THESE MATTERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL INFORMATION IS AVAILABLE UPON REQUEST AT THE ORGANIZATIONS BUSINESS OFFICES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XII, LINE 2C:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS REVIEWS FINANCIAL RESULTS AND OVERSEES THE AUDIT PROCESS.</ExplanationTxt>
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</Return>