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        <ExplanationTxt>EACH OFFICER AND DIRECTOR IS ASKED TO SIGN AN ANNUAL DISCLOSURE STATEMENT WITH RESPECT TO ANY CONFLICTS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>COPIES OF YAHAD-IN UNUM'S ARTICLES OF INCORPORATION ARE AVAILABLE TO THE PUBLIC ON THE OHIO SECRETARY OF STATE'S WEBSITE. COPIES OF YAHAD-IN UNUM'S MOST RECENT THREE FORM 990S ARE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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