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        <FormAndLineReferenceDesc>PART XI, LINE 4B - OTHER ADJUSTMENTS:</FormAndLineReferenceDesc>
        <ExplanationTxt>INTEREST INCOME 3. LOSS ON SALE OF SECURITY -29.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>DR. MITCHELL L. GAYNOR, PRESIDENT CATHERINE GAYNOR, SECRETARY/TREASURER RELATIONSHIP - SPOUSE</ExplanationTxt>
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      <SupplementalInformationDetail>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>DR. MITCHELL L. GAYNOR - 145 CENTRAL PARK WEST, APT. 5A, NEW YORK, NY 10023. DEBRA REFSON - 10 CONCKLIN LANE, ROCKLEIGH, NJ 07647. CATHERINE GAYNOR - 145 CENTRAL PARK WEST, APT. 5A, NEW YORK, NY 10023.</ExplanationTxt>
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