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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 6</FormAndLineReferenceDesc>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 7A</FormAndLineReferenceDesc>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>LINE 11A EXPLANATION - THE BOARD REVIEWS THE 990 PRIOR TO APPROVAL FOR FILING.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>IN NOVEMBER, LETTERS ARE MAILED TO EACH BOARD MEMBER ASKING THEM TO DISCLOSE ANY CONFLICTS OF INTEREST THEY MAY HAVE WITH THEMSELVES OR THEIR COMPANY AND FOLTS. THE LETTERS ARE MAILED BACK, REVIEWED FOR POTENTIAL CONFLICTS AND KEPT ON FILE.</ExplanationTxt>
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        <ExplanationTxt>THE CEO REVIEWS AND APPROVES COMPENSATION FOR TOP MANAGEMENT ANNUALLY. COMPENSATION AND RAISES ARE DETERMINED THROUGH A REVIEW OF COMPARABLE FACILITIES FOR THE MARKET VALUE OF THE POSITION AND THE INDIVIDUAL. THE PERSONNEL COMMITTEE OF THE BOARD REVIEWS AND APPROVES COMPENSATION FOR THE CEO ANNUALLY BASED ON THE FOLLOWING PROCESS: 1) ANNUAL BENCHMARKING 2) SALARY RANGES 3) PERFORMANCE REVIEWS</ExplanationTxt>
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        <ExplanationTxt>THE ORGANIZATION'S FORM 990, ALONG WITH GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST AT THE ORGANIZATION'S OFFICE.</ExplanationTxt>
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