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        <ExplanationTxt>THE 990 HAS BEEN REVIEWED BY THE BOARD TREASURER. AN ELECTRONIC COPY IS AVAILABLE TO EACH MEMBER, BUT NO FORMAL REVIEW HAS OR WILL TAKE PLACE.</ExplanationTxt>
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        <ExplanationTxt>IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICT OF INTEREST, AN INTERESTED PERSON MUST DISCLOSE THE EXSISTENCE OF THE FINANCIAL INTEREST AND BE GIVEN THE OPPORTUNITY TO DISCLOSE ALL MATERIAL FACTS TO THE DIRECTORS AND MEMBERS OF THEIR RESPECTIVE COMMITEE.</ExplanationTxt>
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