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        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>INDIVIDUAL BOARD TRUSTEE AND THE KEY EMPLOYEES ARE REQUIRED TO HAVE IN</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>THEIR PERSONNEL FILE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>DISCLOSURES ARE MADE TO THE CHIEF EXECUTIVE OFFICER (OR IF SHE OR HE IS THE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>ONE WITH THE CONFLICT, TO THE BOARD CHAIR), WHO BRINGS THE MATTER TO THE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>ATTENTION OF THE BOARD OR A DULY CONSTITUTED COMMITTEE THEREOF. DISCLOSURE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>INVOLVING DIRECTORS ARE MADE TO THE BOARD CHAIR, (OR IF SHE OR HE IS THE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>ONE WITH THE CONFLICT, THEN TO THE BOARD VICE-CHAIR) WHO BRINGS THESE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>MATTERS TO THE BOARD OR A DULY CONSTITUTED COMMITTEE THEREOF.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OR A DULY CONSTITUTED COMMITTEE DETERMINES WHETHER A CONFLICT</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>EXISTS AND IN THE CASE OF AN EXISTING CONFLICT, WHETHER THE CONTEMPLATED</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>TRANSACTION MAY BE AUTHORIZED AS JUST, FAIR, AND REASONABLE TO SAAGE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE DECISION OF THE BOARD OR COMMITTEE ON THESE MATTERS WILL REST IN THEIR</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>SOLE DISCRETION, AND THEIR CONCERN MUST BE THE WELFARE OF SAAGE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>INTERNATIONAL AND THE ADVANCEMENT OF ITS PURPOSE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>TRANSACTIONS WITH PARTIES WITH WHOM A CONFLICTING INTEREST EXISTS ARE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>ONLY UNDERTAKEN IF ALL OF THE FOLLOWING ARE OBSERVED:</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>1. THE CONFLICTING INTEREST IS FULLY DISCLOSED;</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>2. THE PERSON WITH THE CONFLICT OF INTEREST IS EXCLUDED FROM THE DISCUSSION</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>AND APPROVAL OF THE TRANSACTION;</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>3. A COMPETITIVE BID OR COMPARABLE VALUATION EXISTS AS REQUIRED BY STANDARD</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>AUDITING PRACTICES;</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>4. THE BOARD HAS DETERMINED THAT THE TRANSACTION IS IN THE BEST INTEREST</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI, Section B, Line 12C:</FormAndLineReferenceDesc>
        <ExplanationTxt>OF THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 11b:</FormAndLineReferenceDesc>
        <ExplanationTxt>PREPARED BY ACCOUNTANT AND REVIEWED BY SENIOR ACCOUNTANT. REVIEWED BY</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 11b:</FormAndLineReferenceDesc>
        <ExplanationTxt>OUTSIDE CPA/ACCOUNTANT AND PROVIDED TO FINANCE COMM AND BOARD BEFORE FILING</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 11b:</FormAndLineReferenceDesc>
        <ExplanationTxt>SEE COMPLETE RESPONSE ON PAGES 1 AND 2 OF THIS SCHEDULE O.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>