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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE POLICY IS DISTRIBUTED TO OFFICERS, DIRECTORS, MEMBERS OF BOARD COMMITTEES (WHETHER DIRECTORS OR NOT), AND SUCH PERSONS ARE ASKED TO SIGN AN ACKNOWLEDGEMENT THAT THEY HAVE RECEIVED A COPY OF THE POLICY, UNDERSTAND IT, AND AGREE TO ABIDE BY ITS TERMS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 18</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION WILL MAKE ITS FORM 990 AVAILABLE TO THE PUBLIC FOR INSPECTION UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>UPON REQUEST THE ORGANIZATION WILL PROVIDE ITS FINANCIAL STATEMENTS TO THE PUBLIC.</ExplanationTxt>
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</Return>