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        <FormAndLineReferenceDesc>SCHEDULE E, LINE 3</FormAndLineReferenceDesc>
        <ExplanationTxt>A RESOLUTION OF THE BOARD HAS BEEN ADOPTED. PUBLICATION OF NON-DISCRIMINATORY POLICY IS CURRENTLY BEING DONE. SUCH POLICY HAS BEEN AND WILL CONTINUE TO BE INCLUDED IN ALL BROCHURES, CATALOGUES AND OTHER WRITTEN COMMUNICATIONS.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>ELIYAHU MILLEN HERBERT MILLEN PRESIDENT DIRECTOR FAMILY RELATIONSHIP</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>A REVIEW AND REVISION OF THE RETURN WILL BE CONDUCTED BY THE CFO AND COMPTROLLER OF THE ORGANIZATION.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>ORGANIZATION REQUIRES VOTE BY FULL BOARD OF DIRECTORS BEFORE APPROVING ANY ADDITIONAL COMPENSATION.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>ORGANIZATION REQUIRES VOTE BY FULL BOARD OF DIRECTORS BEFORE APPROVING ANY ADDITIONAL COMPENSATION TO OFFICERS OR KEY EMPLOYEES.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
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</Return>