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        <ExplanationTxt>DECISIONS OF THE BOARD OF DIRECTORS ARE EITHER APPROVED AT THE ANNUAL MEET ING OR BY DIRECT MAIL AS CIRCUMSTANCES ARISE</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>A COPY OF THE FORM 990 WAS PROVIDED TO THE BOARD FOR REVIEW AND SIGNATURE PRIOR TO FILING.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE INFORMATION IS AVAILABLE UPON WRITTEN REQUEST TO THE ASSOCIATION AT IT S LEGAL MAILING ADDRESS</ExplanationTxt>
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