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        <ExplanationTxt>THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.</ExplanationTxt>
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        <ExplanationTxt>SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.</ExplanationTxt>
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        <ExplanationTxt>THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.</ExplanationTxt>
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        <ExplanationTxt>THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION DATA FOR COMPENSATION.</ExplanationTxt>
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        <ExplanationTxt>FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.</ExplanationTxt>
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