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        <ExplanationTxt>THE ORGANIZATION'S MEMBERS ARE OPPORTUNITY INTERNATIONAL, INC., OPPORTUNITY INTERNATIONAL UNITED KINGDOM, OPPORTUNITY INTERNATIONAL AUSTRALIA LIMITED, OPPORTUNITY INTERNATIONAL CANADA, AND OPPORTUNITY INTERNATIONAL GERMANY (SEE SCHEDULE R, PART II).</ExplanationTxt>
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        <ExplanationTxt>OPPORTUNITY INC. REPORTS ALL OFFICERS, DEBORAH FOY, MARGARET TOMASIK AND SHARI LUTEY, HAVE RECEIVED REPORTABLE COMPENSATION. COMPENSATION IS BEING ALLOCATED ON THE BOOKS TO OPPORTUNITY INC FOR SERVICES PROVIDED BY THESE INDIVIDUALS. ALL INCOME IS BEING PAID THROUGH OPPORTUNITY INTERNATIONAL U.S., AND OPPORTUNITY UK ON ONE CHECK AND REPORTED ON ONE FORM W-2. OPPORTUNITY INC. DOES NOT ISSUE FORM W-2'S.</ExplanationTxt>
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        <ExplanationTxt>IT IS AN ANNUAL REQUIREMENT FOR ALL EMPLOYEES AND DIRECTORS TO SIGN THE CONFLICT OF INTEREST STATEMENTS. DISCLOSURES ARE TO BE MADE BY EMPLOYEES TO THE CHIEF EXECUTIVE OFFICER. IN THE CASE OF THE CEO AND OTHER DIRECTORS, CONFLICTS OF INTEREST ARE REPORTED TO THE BOARD CHAIR, OR IN THE CASE OF THE BOARD CHAIR TO THE CHAIR OF THE RISK AND AUDIT COMMITTEE. IF A CONFLICT OF INTEREST IS DETERMINED, THE RESPONSIBLE PERSON(S) ARE RECUSED/EXCLUDED FROM ALL DISCUSSIONS IN CONNECTION WITH THE PROPOSED TRANSACTION FINANCE DEPARTMENT MONITORS RELATED PARTY TRANSACTIONS.</ExplanationTxt>
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        <ExplanationTxt>CONFLICT OF INTEREST POLICY IS NOT PUBLISHED. FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
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