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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>DEBORAH WALONOSKI MARK WALONOSKI SECRETARY SEXTON FAMILY RELATIONSHIP JACK BARRY JOHN BARRY TRUSTEE ASST. TREAS. FAMILY RELATIONSHIP THOMAS CURTISS KEVIN CURTISS VICE PRES. TRUSTEE FAMILY RELATIONSHIP</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>A COPY OF THE TAX RETURN IS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS MEET QUARTERLY, BOARD MEMBERS ARE REQUIRED TO DISCLOSE ANY CONFLICT OF INTEREST AT THE MEETINGS. THE BOARD MEMBERS ARE RESPONSIBLE FOR REVIEWING ANY MATTERS REGARDING CONFLICT OF INTEREST, ANY PERSON WITH A CONFLICT OF INTEREST IS EXCLUDED FROM THE DISCUSSION AND THE APPROVAL OF SUCH TRANSACTIONS, AND THE BOARD DETERMINES THAT THE TRANSACTION IS IN THE BEST INTEREST OF THE BOARD. ALL CONFLICTS ARE MONITORED AND DOCUMENTED AT THE MEETINGS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>ANYONE CAN SUBMIT A REQUEST TO SEE THE GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS IN WRITING TO THE GOVERNING BOARD. THE REQUEST WOULD BE APPROVED THROUGH THE NORMAL COURSE OF BUSINESS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>UNREALIZED GAIN ON INVESTMENT 50,099</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>