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      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 11</ReturnReference>
        <Explanation>THE GOVERNING BODY ASSIGNS THE FINANCE COMMITTEE THE RESPONSIBLIYT OF REVIEWING THE FORM 990 BEFORE IT IS FILED.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>CONFLICT OF INTEREST FORMS ARE KEPT ON FILE BY THE BOARD SECRETARY, ARE REVIEWED REGULARLY BY MANAGEMENT, AND ARE PRESENT FOR REVIEW AT EVERY BOARD MEETING. BOARD MEMBERS SELF IDENTIFY CONFLICTS AND ABSTAIN FROM VOTING DURING RELEVANT BOARD OR COMMITTEE VOTES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 15</ReturnReference>
        <Explanation>THE PROCESS FOR DETERMING COMPENSATION FOR THE ORGANIZATION'S CEO, EXECUTIVE DIRECTOR, TOP MANAGEMENT, ETC. INCLUDES REVIEW AND APPROVAL BY INDEPENDENT PERSONS, ETC.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
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