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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE DRAFT FORM 990 IS PROVIDED TO ALL DIRECTORS FOR THEIR REVIEW. AFTER ANY QUESTIONS RAISED ARE SATISFACTORILY ADDRESSED THE FORM IS SIGNED BY AN APPROPRIATE SAVINGTEENS OFFICER.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>DURING THE ANNUAL MEETING, THE BOARD OF DIRECTORS REVIEWS THE CONFLICT OFINTEREST POLICY. DURING THE MEETING, MEMBERS HAVE THE OPPORTUNITY TODISCLOSE A CONFLICT OR DISCUSS A POTENTIAL CONFLICT OF INTEREST PRIOR TOSIGNING THE POLICY.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THESE DOCUMENTS ARE AVAILABLE AS APPLICABLE UPON REQUEST.</ExplanationTxt>
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</Return>