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      <IndivRcvdGreaterThan100KCnt>11</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>true</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>true</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>PROTECTIVE</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>2801 HWY 208 SOUTH</AddressLine1Txt>
            <CityNm>BIRMINGHAM</CityNm>
            <StateAbbreviationCd>AL</StateAbbreviationCd>
            <ZIPCd>35283</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>MECHANICAL INS</ServicesDesc>
        <CompensationAmt>164167</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>DIRECT DIGITAL</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>1905 W 3RD ST</AddressLine1Txt>
            <CityNm>TEMPE</CityNm>
            <StateAbbreviationCd>AZ</StateAbbreviationCd>
            <ZIPCd>85281</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>STMT MAILING SERV</ServicesDesc>
        <CompensationAmt>124399</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>JACK HENRY</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>P O BOX 609</AddressLine1Txt>
            <CityNm>MONETT</CityNm>
            <StateAbbreviationCd>MO</StateAbbreviationCd>
            <ZIPCd>65708</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>DATA PROCESSING</ServicesDesc>
        <CompensationAmt>539908</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>ALLIED SOLUTIONS</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>P O BOX 262625</AddressLine1Txt>
            <CityNm>PLANO</CityNm>
            <StateAbbreviationCd>TX</StateAbbreviationCd>
            <ZIPCd>75026</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>COLLATERAL PROTECT</ServicesDesc>
        <CompensationAmt>966218</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>AETNA</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>PO BOX 775392</AddressLine1Txt>
            <CityNm>CHICAGO</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60677</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>HEALTH INSURANCE</ServicesDesc>
        <CompensationAmt>173188</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>5</CntrctRcvdGreaterThan100KCnt>
      <ProgramServiceRevenueGrp>
        <Desc>LOAN INCOME</Desc>
        <BusinessCd>522291</BusinessCd>
        <TotalRevenueColumnAmt>9417305</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>9417305</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>FINANCIAL SERVICES INC</Desc>
        <BusinessCd>523000</BusinessCd>
        <TotalRevenueColumnAmt>188919</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>188919</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>FEE INCOME</Desc>
        <BusinessCd>522100</BusinessCd>
        <TotalRevenueColumnAmt>1983727</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1983727</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE INCOME</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>25134</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>25134</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>OTHER OPERATING INCOME</Desc>
        <BusinessCd>522100</BusinessCd>
        <TotalRevenueColumnAmt>129165</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>129165</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>11744250</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>3362111</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>3362111</RelatedOrExemptFuncIncomeAmt>
      </InvestmentIncomeGrp>
      <GrossRentsGrp>
        <PersonalAmt>15818</PersonalAmt>
      </GrossRentsGrp>
      <RentalIncomeOrLossGrp>
        <PersonalAmt>15818</PersonalAmt>
      </RentalIncomeOrLossGrp>
      <NetRentalIncomeOrLossGrp>
        <TotalRevenueColumnAmt>15818</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>15818</RelatedOrExemptFuncIncomeAmt>
      </NetRentalIncomeOrLossGrp>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>0</TotalRevenueColumnAmt>
      </NetIncmFromFundraisingEvtGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>15122179</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>15122179</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </TotalRevenueGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>3665728</TotalAmt>
      </OtherSalariesAndWagesGrp>
      <PensionPlanContributionsGrp>
        <TotalAmt>74206</TotalAmt>
      </PensionPlanContributionsGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>1037383</TotalAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>279222</TotalAmt>
      </PayrollTaxesGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>8000</TotalAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>60654</TotalAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>169850</TotalAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>264487</TotalAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>1048760</TotalAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>884285</TotalAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>385079</TotalAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>36430</TotalAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>2704532</TotalAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>241019</TotalAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>79826</TotalAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>LOAN SERVICING</Desc>
        <TotalAmt>561792</TotalAmt>
        <ProgramServicesAmt>561792</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>LOAN LOSS EXPENSE</Desc>
        <TotalAmt>953650</TotalAmt>
        <ProgramServicesAmt>953650</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>ASSOCIATION DUES</Desc>
        <TotalAmt>38217</TotalAmt>
        <ProgramServicesAmt>38217</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MISCELLANEOUS</Desc>
        <TotalAmt>181439</TotalAmt>
        <ProgramServicesAmt>181439</ProgramServicesAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>12674559</TotalAmt>
        <ProgramServicesAmt>0</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>1252042</BOYAmt>
        <EOYAmt>1254494</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <BOYAmt>519584</BOYAmt>
        <EOYAmt>330328</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>156169980</BOYAmt>
        <EOYAmt>147024300</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>177186</BOYAmt>
        <EOYAmt>377881</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>11947802</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>6790465</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>5321968</BOYAmt>
        <EOYAmt>5157337</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsOtherSecuritiesGrp>
        <BOYAmt>78368064</BOYAmt>
        <EOYAmt>99491933</EOYAmt>
      </InvestmentsOtherSecuritiesGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>894760</BOYAmt>
        <EOYAmt>1079068</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>242703584</BOYAmt>
        <EOYAmt>254715341</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>2946702</BOYAmt>
        <EOYAmt>2822170</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>2946702</BOYAmt>
        <EOYAmt>2822170</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
      <CapStkTrPrinCurrentFundsGrp>
        <BOYAmt>217073973</BOYAmt>
        <EOYAmt>225875916</EOYAmt>
      </CapStkTrPrinCurrentFundsGrp>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>22682909</BOYAmt>
        <EOYAmt>26017255</EOYAmt>
      </RtnEarnEndowmentIncmOthFndsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>239756882</BOYAmt>
        <EOYAmt>251893171</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>242703584</BOYAmt>
        <EOYAmt>254715341</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>2447620</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>886726</NetUnrlzdGainsLossesInvstAmt>
      <OtherChangesInNetAssetsAmt>8801943</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>true</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleD documentId="IRS990ScheduleD">
      <LandGrp>
        <OtherCostOrOtherBasisAmt>2487373</OtherCostOrOtherBasisAmt>
        <BookValueAmt>2487373</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>6996802</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>4464784</DepreciationAmt>
        <BookValueAmt>2532018</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>2463627</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>2325681</DepreciationAmt>
        <BookValueAmt>137946</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>5157337</TotalBookValueLandBuildingsAmt>
      <OtherSecuritiesGrp>
        <Desc>AFS SECURITIES</Desc>
        <BookValueAmt>40697561</BookValueAmt>
        <MethodValuationCd>F</MethodValuationCd>
      </OtherSecuritiesGrp>
      <OtherSecuritiesGrp>
        <Desc>OTHER INVESTMENTS</Desc>
        <BookValueAmt>58247272</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
      </OtherSecuritiesGrp>
      <OtherSecuritiesGrp>
        <Desc>FHLB STOCK</Desc>
        <BookValueAmt>547100</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
      </OtherSecuritiesGrp>
      <TotalBookValueSecuritiesAmt>99491933</TotalBookValueSecuritiesAmt>
      <TotalRevEtcAuditedFinclStmtAmt>15122179</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>15122179</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>15122179</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>12674559</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>12674559</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>12674559</TotalExpensesPerForm990Amt>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="IRS990ScheduleJ">
      <TravelForCompanionsInd>X</TravelForCompanionsInd>
      <WrittenPolicyRefTAndEExpnssInd>true</WrittenPolicyRefTAndEExpnssInd>
      <SubstantiationRequiredInd>true</SubstantiationRequiredInd>
      <CompensationCommitteeInd>X</CompensationCommitteeInd>
      <CompensationSurveyInd>X</CompensationSurveyInd>
      <BoardOrCommitteeApprovalInd>X</BoardOrCommitteeApprovalInd>
      <SeverancePaymentInd>false</SeverancePaymentInd>
      <SupplementalNonqualRtrPlanInd>true</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
      <CompBasedOnRevenueOfFlngOrgInd>false</CompBasedOnRevenueOfFlngOrgInd>
      <CompBsdOnRevRelatedOrgsInd>false</CompBsdOnRevRelatedOrgsInd>
      <CompBsdNetEarnsFlngOrgInd>false</CompBsdNetEarnsFlngOrgInd>
      <CompBsdNetEarnsRltdOrgsInd>false</CompBsdNetEarnsRltdOrgsInd>
      <AnyNonFixedPaymentsInd>false</AnyNonFixedPaymentsInd>
      <InitialContractExceptionInd>false</InitialContractExceptionInd>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>WILLIAM HEGEBUSH</PersonNm>
        <TitleTxt>BOARD CONSULTANT</TitleTxt>
        <OtherCompensationFilingOrgAmt>1600</OtherCompensationFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>1600</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>BRIAN LEE</PersonNm>
        <TitleTxt>PRESIDENTCEO</TitleTxt>
        <BaseCompensationFilingOrgAmt>106328</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>19306</BonusFilingOrganizationAmount>
        <OtherCompensationFilingOrgAmt>2217</OtherCompensationFilingOrgAmt>
        <DeferredCompensationFlngOrgAmt>11225</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>10239</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>149315</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>CECILIA ASHE</PersonNm>
        <TitleTxt>CHIEF EXECUTIVE OFFICERPRESIDENT</TitleTxt>
        <BaseCompensationFilingOrgAmt>189036</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>11334</BonusFilingOrganizationAmount>
        <OtherCompensationFilingOrgAmt>4796</OtherCompensationFilingOrgAmt>
        <DeferredCompensationFlngOrgAmt>10688</DeferredCompensationFlngOrgAmt>
        <TotalCompensationFilingOrgAmt>215854</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>ADRIANNE REXIUS</PersonNm>
        <TitleTxt>SVPCHIEF HUMAN PEOPLE AND CULTURE</TitleTxt>
        <BaseCompensationFilingOrgAmt>139596</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>10425</BonusFilingOrganizationAmount>
        <OtherCompensationFilingOrgAmt>511</OtherCompensationFilingOrgAmt>
        <DeferredCompensationFlngOrgAmt>3763</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>30718</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>185013</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>NETTIE DUARTE-MAYO</PersonNm>
        <TitleTxt>SVPCHIEF FINANCIAL OFFICER</TitleTxt>
        <BaseCompensationFilingOrgAmt>126407</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>8954</BonusFilingOrganizationAmount>
        <OtherCompensationFilingOrgAmt>690</OtherCompensationFilingOrgAmt>
        <DeferredCompensationFlngOrgAmt>3401</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>24392</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>163844</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="IRS990ScheduleO">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Members or stockholder classes and rights Part VI line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>AN INDIVIDUAL BECOME A MEMBER/OWNER/SHAREHOLDER BY JOINING THE CREDIT UNION, PURCHASING ONE PAR VALUE SHARE AND ABIDING BY THE BYLAWS AND OTHER GOVERNANCE DOCUMENTS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Member election for additional members Part VI line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>EACH YEAR AN ANNUAL MEETING IS HELD WHEREBY MEMBERS ELECT THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS DIRECT THE ACTIVITIES OF THE CREDIT UNION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Governing body decisions Part VI line 7b</FormAndLineReferenceDesc>
        <ExplanationTxt>DAY TO DAY OPERATIONS ARE PERFORMED BY THE EXECUTIVE MANAGEMENT TEAM AT THE DIRECTION OF THE BOARD OF DIRECTORS. BYLAW CHANGES ARE VOTED ON BY THE BOARD OF DIRECTORS AND RATIFIED BY THE MEMBERSHIP AT THE ANNUAL BUSINESS MEETING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>REVIEWED BY CEO AND CFO AND THEN A REVIEW IS PROVIDED TO THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Conflict of interest policy compliance Part VI line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>CONFLICTS OF INTEREST ARE DISCLOSED ON AN ONGOING BASIS AND AT LEAST ANNUALLY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>CEO executive director top management comp Part VI line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>PRESIDENT/CEO SALARY AND BENEFITS ARE DETERMINED BY BOARD OF DIRECTORS. CEO DETERMINES SALARY FOR ALL EMPLOYEES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other officer or key employee compensation Part VI line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>OTHER OFFICERS COMPENSATION DETERMINED BY THE CEO AND MANAGEMENT OFFICIALS BASED ON BUSINESS NEEDS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 availability to public Part VI line 18</FormAndLineReferenceDesc>
        <ExplanationTxt>DOCUMENTS ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>DOCUMENTS MADE AVAILABLE UPON REQUEST</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Explanation of other changes in net assets or fund balances Part XI line 9</FormAndLineReferenceDesc>
        <ExplanationTxt>CHANGES IN MEMBER SHARE BALANCES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part V response or note to any other line in Part V</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990T WILL BE FILED CONSECUTIVELY WITH 990 RETURN.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>