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        <FormAndLineReferenceDesc>EXPLANATION FOR FORM 990, PAGE 6, PART VI, LINE 8a</FormAndLineReferenceDesc>
        <ExplanationTxt>ACTIONS AND DECISIONS FOR THE TRUST ARE DOCUMENTED AS REQUIRED BY BANK POLICY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11-DESCRIPTION OF PROCESS FOR REVIEW</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS REVIEWED BY THE TAX PREPARER AND THE TRUST ACOUNT OFFICER IN ACCORDANCE WITH INTERNAL BANK POLICIES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>EXPLANATION FOR FORM 990, PAGE 6, PART VI, LINE 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>BANKS COMPLIANCE OF CONFLICT OF INTEREST IS REVIEWED WITH EACH EMPLOYEE AT LEAST ANNUALLY TO REMAIN IN COMPLIANCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 18</FormAndLineReferenceDesc>
        <ExplanationTxt>COPIES OF FORM 1023, TRUST GOVERNING DOCUMENTS, TAX RETURNS, ANDFINANCIAL REPORTS ARE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. ACOPY OF THE CONFLICT OF INTEREST POLICY IS ALSO AVAILABLE TO THEPUBLIC UPON WRITTEN REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>COPIES OF FORM 1023, TRUST GOVERNING DOCUMENTS, TAX RETURNS, ANDFINANCIAL REPORTS ARE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. ACOPY OF THE CONFLICT OF INTEREST POLICY IS ALSO AVAILABLE TO THEPUBLIC UPON WRITTEN REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 7, PART VII, SECTION A</FormAndLineReferenceDesc>
        <ExplanationTxt>FROST BANK TRUSTEE, 40 HOURS</ExplanationTxt>
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