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        <Explanation>FORM 990 IS FIRST PRESENTED AND REVIEWED BY THE FINANCE COMMITTEE AND THEN PRESENTED TO THE FULL BOARD AT MEETING FOR RATIFICATION AND AN ELECTRONIC COPY IS SENT PRIOR TO THE REVIEW AND MEETING.</Explanation>
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        <Explanation>POLICY IS REVIEWED AND DISCUSSED BY BOARD MEMBERS AND EMPLOYEES AT MEETINGS WHERE POTENTIAL CONFLICTS MAY BE PRESENTED AND ANY POSSIBLE CONFLICTS THAT ARISE ARE REQUIRED TO BE DISCLOSED.</Explanation>
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