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        <FormAndLineReferenceDesc>Members or stockholder classes and rights Part VI line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>Membership of the Credit Union is obtained by opening a share account with a minimum deposit. Members of the Credit Union can cast ballots in Credit Union elections.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Member election for additional members Part VI line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>Membership of the Credit Union is obtained by opening a share account with a minimum deposit. Members of the Credit Union can cast ballots in Credit Union elections.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>The governing body is presented the Form 990 for review before filing with the Internal Revenue Service.</ExplanationTxt>
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        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Governing documents are made available to the public upon request.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>General explanation attachment</FormAndLineReferenceDesc>
        <ExplanationTxt>To provide an atmosphere of caring by making available to all members, of all walks of life, consumer lending services, financial transactions, participation and access to a wide range of insurance benefits and coverage; and to conduct a well-managed, well-respected and financially sound credit union.</ExplanationTxt>
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