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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7B</FormAndLineReferenceDesc>
        <ExplanationTxt>A TRUSTEE MAY BE REMOVED PRIOR TO THE EXPIRATION OF HIS/HER APPOINTED TERM IN ONE OF THE FOLLOWING WAYS: (A) BY A MAJORITY VOTE OF ALL MEMBER COMPANIES. (B) BY A UNANIMOUS VOTE OF THE TRUSTEES EXCLUDING THE TRUSTEE WHOSE REMOVAL IS SOUGHT. (C) UPON SUFFERING A PHYSICAL IMPAIRMENT MAKING THE TRUSTEE INCAPABLE OF FULLY PERFORMING THE DUTIES SET FORTH UNDER THE TRUST AGREEMENT FOR A PERIOD OF NINETY (90) CONSECUTIVE DAYS. (D) UPON BECOMING INCAPACITATED.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 WILL BE DISTRIBUTED TO THE BOARD VIA EMAIL FOR REVIEW.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD SHALL REVIEW AND DETERMINE, WITH THE ASSISTANCE OF LEGAL COUNSEL IF NECESSARY, HOW TO ADDRESS SITUATIONS INVOLVING CONFLICTS OF INTEREST. AN INTERESTED BOARD MEMBER SHALL NOT PARTICIPATE IN ANY WAY IN, OR BE PRESENT DURING, DELIBERATION AND DECISION MAKING WITH RESPECT TO AN ACTUAL OR POTENTIAL CONFLICT OF INTEREST IN WHICH SHE OR HE IS INVOLVED.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>UPON REQUEST</ExplanationTxt>
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