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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>EACH BOARD OF TRUSTEE AND COMMITTEE MEMBER IS REQUIRED TO DISCLOSE ON AN ANNUAL BASIS THAT THEY ARE INDEPENDENT OF TRUST OPERATIONS. IF THEY ARE NOT INDEPENDENT THEY MUST DISCLOSE IN WRITING TO THE BOARD THE NATURE OF THE CONFLICT. A LIST OF ALL ACTIVE VENDORS IS AVAILABLE TO EACH MEMBER TO ASSIST IN THE IDENTIFICATION OF POTENTIAL CONFLICTS. ADDITIONALLY PRIOR TO ENGAGING ANY NEW VENDORS A SIMILAR INQUIRY IS MADE OF TRUSTEES AND COMMITTEE MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>DOCUMENTS ARE AVAILABLE UPON FORMAL WRITTEN REQUEST TO THE PLAN SPONSOR'S ADMINISTRATIVE OFFICE. ADDITIONALLY INCOME TAX FILINGS ARE AVAILABLE ON VARIOUS NOT-FOR-PROFIT ORGANIZATION PUBLIC INTERNET WEBSITES.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>