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        <FormAndLineReferenceDesc>EXPLANATION FOR FORM 990, PAGE 6, PART VI, LINE 1a</FormAndLineReferenceDesc>
        <ExplanationTxt>NONE</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>EXPLANATION FOR FORM 990, PAGE 6, PART VI, LINE 8a</FormAndLineReferenceDesc>
        <ExplanationTxt>NO COMMITTEES ESTABLISHED</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>EXPLANATION FOR FORM 990, PAGE 6, PART VI, LINE 8b</FormAndLineReferenceDesc>
        <ExplanationTxt>NO COMMITTEES ESTABLISHED</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11-DESCRIPTION OF PROCESS FOR REVIEW</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS REVIEWED BY THE TRUSTEE AND THE TAX MANAGER BEFORE FILING</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 18</FormAndLineReferenceDesc>
        <ExplanationTxt>A COPY OF FORM 990 IS AVAILABLE UPON REQUEST MADE TO THE TRUSTEE, 1ST SOURCE BANK, PO BOX 1602, SOUTH BEND, IN, 46634 OR BY CALLING 574 -235-2790</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>A COPY OF FORM 990 IS AVAILABLE UPON ON REQUESTS MADE TO THE TRUSTEE, 1ST SOURCE BANK, PO BOX 1602 SOUTH BEND, IN, 46634 OR BY CALLING 574 -235-2790</ExplanationTxt>
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