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        <ExplanationTxt>TIAA, FSB AS TRUSTEE IS RESPONSIBLE FOR PREPARATION OF THE FORM 990 BASED ON THE INFORMATION CONTAINED IN OUR RECORDS. UPON COMPLETION, A COPY OF FORM 990 IS FORWARDED TO THE PLAN SPONSOR FOR REVIEW AND APPROVAL. ONCE APPROVED, THE FORM IS THEN FILED WITH THE FEDERAL TAXING AUTHORITY BY THE REGULATORY DEADLINE.</ExplanationTxt>
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