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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part I, Line 1</FormAndLineReferenceDesc>
        <ExplanationTxt>TO MEET NEEDS OF THE MEMBERSHIP ESPECIALLY MINORITY FINANCIAL INSTITUTION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS PREPARED BY A TAX PREPARE CPA AND REVIEWED BY THE PRESIDENT AND CFO. UPON APPROVAL OF THE FINAL DRAFT, BYT THE PRESIDENT AND CFO, THE TAX PREPARE FILES FORM 990 ELECTRONICALLY AND FORWARDS COPIES FOR NBAS FILES AND PUBLIC DISCLOSURE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE MEMBERS OF THE BOARD, THE EMPLOYEE RELATIONS COMMITTEE OF THE BOARD, AND THE PRESIDENT DISCUSS ON A REGULAR AND CONSISTENT BASIS INTERESTS THAT COULD GIVE RISE TO CONFLICT AS DESCRIBED IN THE POLICY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PRESIDENT AND OTHER SENIOR OFFICERS SALARIES ARE REVIEWED BY THE BOARD EXECUTIVE COMMITTEE AND APPOVED BY THE FULL BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>NATIONAL BANKERS ASSOCIATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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