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        <ExplanationTxt>ALL DIRECTORS ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICT OF INTEREST. ALL DIRECTORS ARE REQUIRED TO SIGN THE POLICY ON CONFLICT OF INTEREST EACH YEAR. THE POLICY IS REVIEWED AT EACH QUARTERLY BOARD MEETING.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>NJUEF GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. THE REQUEST CAN BE ENTERED VIA NJUEF WEBSITE NJUEF.ORG "CONTACT US" FUNCTION.</ExplanationTxt>
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