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      <OtherLiabilitiesOrgGrp>
        <Desc>RETIREMENT LIABILITY</Desc>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS REVIEWED AT THE MONTHLY BOARD MEETING AND APPROVED BY THE BOARD PRIOR TO SUBMITTING TO THE IRS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE POLICY IS INCLUDED IN THE EMPLOYEE HANDBOOK AND REVIEWED WITHINDIVIDUALS ON A CASE-BY-CASE BASIS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 15</FormAndLineReferenceDesc>
        <ExplanationTxt>JOB DESCRIPTIONS, PERFORMANCE REVIEWS AND COMPENSATION OF TOP MANAGEMENTARE CREATED AND MANAGED BY A SUB-COMMITTEE OF THE BOARD OF DIRECTORS ANDTHEN APPROVED PRIOR TO IMPLEMENTATION BY THE BOARD OF DIRECTORS ON ANANNUAL BASIS.JOB DESCRIPTIONS, PERFORMANCE REVIEWS AND COMPENSATION OF TOP MANAGEMENTARE CREATED AND MANAGED BY A SUB-COMMITTEE OF THE BOARD OF DIRECTORS ANDTHEN APPROVED PRIOR TO IMPLEMENTATION BY THE BOARD OF DIRECTORS ON ANANNUAL BASIS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>AN ANNUAL MEETING IS SCHEDULED FOR THE CLIENTS AND COMMUNITY MEMBERS AT WHICH TIME THE FINANCIAL STATEMENTS ARE MADE AVAILABLE.</ExplanationTxt>
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