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        <ExplanationTxt>THE ORGANIZATION'S POLICYHOLDERS ARE CONSIDERED TO BE MEMBERS OF THE ORGANIZATION.</ExplanationTxt>
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        <ExplanationTxt>ALL MEMBERS OF THE GOVERNING BOARD ARE ELECTED BY THE POLICYHOLDERS AT THE ANNUAL POLICYHOLDER MEETING. DIRECTORS ARE ELECTED TO THREE YEAR TERMS.</ExplanationTxt>
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        <ExplanationTxt>THE FINAL FORM 990 &amp; SCHEDULES ARE EMAILED TO EACH BOARD MEMBER PRIOR TO FILING WITH THE IRS. MEMBERS ARE ASKED TO REVIEW THE RETURN &amp; TO CONTACT THE RETURN PREPARER WITH ANY QUESTIONS OR CONCERNS.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>CONFLICT OF INTEREST STATEMENTS ARE SIGNED BY ALL BOARD MEMBERS ANNUALLY AT A BOARD MEETING HELD SUBSEQUENT TO THE ANNUAL POLICYHOLDER'S MEETING. THE ORGANIZATION WILL ENFORCE ANY NONCOMPLIENCE WITH THIS POLICY.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>COMPENSATION IS SET BY THE BOARD OF DIRECTORS AT LEVELS COMPARABLE TO SIMILAR ORGANIZATIONS.</ExplanationTxt>
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        <ExplanationTxt>FORM 990, GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY &amp; FINANCIAL STATEMENTS ARE MADE AVAILABLE TO POLICYHOLDERS &amp; THE PUBLIC ONLY UPON SPECIFIC REQUEST.</ExplanationTxt>
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