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      <AuditCommitteeInd>true</AuditCommitteeInd>
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        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>EACH OFFICER AND BOARD MEMBER PROVIDES AN ANNUAL WRITTEN STATEMENT INDICATING CONTINUED COMPLIANCE WITH THE CONFLICT OF INTERST POLICY.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PRESEIDENT AND TREASURER REVIEW THE COMPENSATION REATES ANNUALLY AND MAKE A RECOMMENDATION TO THE FULL BOARD FOR APPROVAL OF ANY COMPENSATION ADJUSTMENTS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PRESIDENT AND TREASURER REVIEW THE COMPENSATION RATES ANNUALLY AND MAKE A RECOMMENDATION TO THE FULL BOARD FOR APPROVAL OF ANY COMPENSATION ADJUSTMENTS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 2</FormAndLineReferenceDesc>
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</Return>