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        <ExplanationTxt>THE NOMINATING AND ELECTION COMMITTEE, WHICH IS APPOINTED BY THE PRESIDENT, INVITES SUGGESTIONS FOR CANDIDATES FROM THE MEMBERSHIP FOR THOSE DIRECTORSHIPS WHICH ARE VACANT OR ABOUT TO BECOME VACANT. THE NOMINATING AND ELECTION COMMITTEE THEN NOMINATES CANDIDATES FOR EACH OF THE REQUIRED DIRECTORSHIPS, AND REPORTS SUCH NOMINATIONS TO THE BOARD WHO NOTIFIES THE MEMBERSHIP THROUGH THE NEWSLETTER OF THE PERSONS NOMINATED. VOTING FOR THE CANDIDATES FOR THE BOARD OF DIRECTORS IS BY REGION AS ESTABLISHED BY THE BOARD OF DIRECTORS.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>ALL DOCUMENTS ARE MAINTAINED ON SITE AND AVAILABLE BY REQUEST.</ExplanationTxt>
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        <ExplanationTxt>THE ENTIRE BOARD ASSUMES RESPONSIBLITY FOR OVERSIGHT OF THE REVIEW AND SELECTION OF AN INDEPENDENT ACCOUNTANT. THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.</ExplanationTxt>
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          <StateAbbreviationCd>MI</StateAbbreviationCd>
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