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      <GeneralExplanation>
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      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 7A</Identifier>
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      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 7B</Identifier>
        <Explanation>DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION B, LINE 11</Identifier>
        <Explanation>FORM 990 IS PRODUCED BY A CPA FIRM USING INFORMATION PROVIDED BY THE ASSOCIATION AND IS REVIEWED BY CEO/CFO OF THE ASSOCIATION PRIOR TO FILING</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
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        <Explanation>THE CONFLICT OF INTEREST FORM IS COMPLETED BY BOARD MEMBERS AND STAFF DEPARTMENT HEADS AND SIGNED. COPIES ARE KEPT IN A SECURE FILE. THIS IS ACCOMPLISHED ONCE EACH YEAR.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
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        <Explanation>EXECUTIVE DIRECTOR SALARY LEVEL IS REVIEWED BY EVALUATION COMMITTEE AND COMPENSATION CONSULTANT ON AN ANNUAL BASIS. KEY EMPLOYEE SALARY LEVELS ARE REVIEWED BY COMPENSATION CONSULTANT AND EVALUATION IS PERFORMED BY EXECUTIVE DIRECTOR</Explanation>
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      <GeneralExplanation>
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        <Explanation>DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
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        <Explanation>NET UNREALIZED GAINS ON INVESTMENTS: 26,526.</Explanation>
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</Return>