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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION CONSISTS OF BONDHOLDERS MEMBERS WHO ELECT THE GOVERNING BOARD OF THE ORGANIZATION.</ExplanationTxt>
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        <ExplanationTxt>THE BONDHOLDER MEMBERS OF THE ORGANIZATION ELECT THE GOVERNING BOARD OD THE ORGANIZATION.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7B</FormAndLineReferenceDesc>
        <ExplanationTxt>MOST OF THE DECISIONS AND ACTIONS OF THE GOVERNING BAORD DO NOT REQUIRE APPROVAL OF THE BONDHOLDING MEMBERS. APPROVAL OF TH EBONDHOLDING MEMBERS IS REQUIRED FOR MEMBERSHIP DUES INCREASES AND LARGE EXPENDITURES OVER CERTAIN AMOUNT.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD MEMBERS ARE PROVIDED A COPY OF THE FORM 990 AND FORM 990-T FOR THEIR REVIEW AND APPROVAL. THE TAX RETURNS ARE FILED AFTER APPROVAL OF THE BOARD AND SIGNED BY THE PRESIDENT.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ALTHOUGH THERE IS NO WRITTEN CONFLICT OF INTEREST POLICY, THERE IS AN UNWRITTEN ENFORCABLE CONFLICT OF INTEREST POLICY. THE BOARD MEMBERS ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTEREST THAT SHOULD ARISE. THIS POLICY IS REVIEWED PERIODICALLY TO ENSURE THAT THERE IS NO CONFLICT OF INTEREST AMOUNG THE MEMBERS OF THE BOARD. THE SAME POLICY IS IN EFFECT FOR THE WHISTLEBLWOER POLICY.</ExplanationTxt>
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        <ExplanationTxt>THE ORGANIZATION'S GOVERNING DOCUMENTS, TAX RETURNS AND OTHER REQUIRED DOCUMENTS ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
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