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        <AddressLine2>ROOM/SUITE 12</AddressLine2>
        <City>CAMBRIDGE</City>
        <State>MA</State>
        <ZIPCode>021410003</ZIPCode>
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      <Name>THERESA J CREEDEN</Name>
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        <Description>THE LARGEST HOMELESS PREVENTION PROGRAM IS THE TEEN LIVING PROGRAM WITH TRANSITIONAL SHELTER FOR YOUNG MOTHERS AND THEIR CHILDREN. 1)HOMELESS PREVENTIONS 108;</Description>
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        <Revenue>490432</Revenue>
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        <Fundraising>325</Fundraising>
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        <ProgramServices>3396</ProgramServices>
        <ManagementAndGeneral>21410</ManagementAndGeneral>
        <Fundraising>7625</Fundraising>
      </Advertising>
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        <Total>156408</Total>
        <ProgramServices>118664</ProgramServices>
        <ManagementAndGeneral>29929</ManagementAndGeneral>
        <Fundraising>7815</Fundraising>
      </OfficeExpenses>
      <InformationTechnology>
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        <ProgramServices>39338</ProgramServices>
        <ManagementAndGeneral>6099</ManagementAndGeneral>
        <Fundraising>96</Fundraising>
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      <Occupancy>
        <Total>574344</Total>
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        <ManagementAndGeneral>10816</ManagementAndGeneral>
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      <Travel>
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        <ProgramServices>71904</ProgramServices>
        <ManagementAndGeneral>148</ManagementAndGeneral>
        <Fundraising>176</Fundraising>
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      <Interest>
        <Total>538755</Total>
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        <ManagementAndGeneral>126</ManagementAndGeneral>
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        <Total>742543</Total>
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        <ManagementAndGeneral>3137</ManagementAndGeneral>
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      <OtherExpenses>
        <Description>CLIENT GOODS AND SERVCIES</Description>
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        <ManagementAndGeneral>354212</ManagementAndGeneral>
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        <EOY>32864748</EOY>
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        <EOY>257444</EOY>
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        <EOY>24968363</EOY>
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        <EOY>3683255</EOY>
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        <BOY>25498256</BOY>
        <EOY>29276270</EOY>
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      <FollowSFAS117>X</FollowSFAS117>
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        <EOY>3543290</EOY>
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      <TemporarilyRestrictedNetAssets>
        <EOY>45188</EOY>
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      <TotalNetAssetsFundBalances>
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        <EOY>3588478</EOY>
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      <TotalLiabNetAssetsFundBalances>
        <BOY>29126651</BOY>
        <EOY>32864748</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>109883</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>-149800</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <FSAuditedBasis>
        <FinancialStatementConsolidated>X</FinancialStatementConsolidated>
      </FSAuditedBasis>
      <AuditCommittee>true</AuditCommittee>
      <FederalGrantAuditRequired>true</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>true</FederalGrantAuditPerformed>
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      <PubliclySupportedOrg170b1Avi>X</PubliclySupportedOrg170b1Avi>
      <GiftsGrantsContribReceived170>
        <CurrentTaxYearMinus4Years>4413565</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>3926886</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>4373722</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>4214065</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>4467587</CurrentTaxYear>
        <Total>21395825</Total>
      </GiftsGrantsContribReceived170>
      <Total170>
        <CurrentTaxYearMinus4Years>4413565</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>3926886</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>4373722</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>4214065</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>4467587</CurrentTaxYear>
        <Total>21395825</Total>
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      <PublicSupportTotal170>21395825</PublicSupportTotal170>
      <GrossInvestmentIncome170>
        <CurrentTaxYearMinus4Years>35289</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>43259</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>2902</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>10176</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>2226954</CurrentTaxYear>
        <Total>2318580</Total>
      </GrossInvestmentIncome170>
      <TotalSupport>23714405</TotalSupport>
      <GrossReceiptsFromAdmissionsEtc>601292</GrossReceiptsFromAdmissionsEtc>
      <PublicSupportPertcentage170>0.90220</PublicSupportPertcentage170>
      <PublicSupportPertcentPriorYear>0.98920</PublicSupportPertcentPriorYear>
      <ThirtyThreePercntTestsCY170>X</ThirtyThreePercntTestsCY170>
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      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
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        <AggregateContributions>RESTRICTED</AggregateContributions>
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      <Volunteers>true</Volunteers>
      <PaidStaffOrManagement>false</PaidStaffOrManagement>
      <MediaAdvertisements>false</MediaAdvertisements>
      <MailingsMembers>false</MailingsMembers>
      <PublicationsOrBroadcast>false</PublicationsOrBroadcast>
      <GrantsOtherOrganizations>false</GrantsOtherOrganizations>
      <DirectContactLegislators>false</DirectContactLegislators>
      <RalliesDemonstrations>false</RalliesDemonstrations>
      <OtherActivities>true</OtherActivities>
      <OtherActivitiesAmount>4290</OtherActivitiesAmount>
      <TotalLobbyingExpendituresIIB>4290</TotalLobbyingExpendituresIIB>
      <NotDescribedIn501c3>false</NotDescribedIn501c3>
      <Form990ScheduleCPartIV>
        <ReturnReference>SCHEDULE C, PART II-B, LINE 1</ReturnReference>
        <Explanation>THE ORGANIZATION PAYS DUES TO THE MASSACHUSETTS YOUTHBUILD COALITION TOTALING 9,000 OF WHICH A PORTION IS UTILIZED FOR LOBBYING FOR THE CONTINUTATION OF THE YOUTHBUILD PROGRAM FEDERAL SUPPORT.</Explanation>
      </Form990ScheduleCPartIV>
    </IRS990ScheduleC>
    <IRS990ScheduleD documentId="RetDoc6">
      <Land>
        <OtherCostOrOtherBasis>151528</OtherCostOrOtherBasis>
        <BookValue>151528</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>2206093</OtherCostOrOtherBasis>
        <Depreciation>478776</Depreciation>
        <BookValue>1727317</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>87059</OtherCostOrOtherBasis>
        <Depreciation>74058</Depreciation>
        <BookValue>13001</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <OtherCostOrOtherBasis>15934635</OtherCostOrOtherBasis>
        <Depreciation>6187626</Depreciation>
        <BookValue>9747009</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>11638855</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>PROPERTIES UNDER DEVELOPMENT</Description>
        <BookValue>11093227</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>HOME IMPROVEMENT FUNDS</Description>
        <BookValue>739554</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>REPLACEMENT RESERVES</Description>
        <BookValue>414782</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>HOUSING DEVELOPMENT FUNDS</Description>
        <BookValue>378161</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>OTHER RECEIVABLES</Description>
        <BookValue>227401</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>REPLACEMENT ESCROWS</Description>
        <BookValue>139734</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>INVESTMENTS IN PARTNERSHIPS</Description>
        <BookValue>94061</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>FINANCING COSTS</Description>
        <BookValue>80149</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>SECURITY DEPOSIT ESCROWS</Description>
        <BookValue>62430</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>REPURCHASE OPTIONS</Description>
        <BookValue>39000</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>INSURANCE ESCROWS</Description>
        <BookValue>8383</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>DEPOSITS</Description>
        <BookValue>2731</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>13279613</TotalBookValueOtherAssets>
      <OtherLiabilities>
        <Description>HIP LOAN FUNDS</Description>
        <Amount>3413265</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>LOAN RECIPIENT ESCROWS</Description>
        <Amount>192538</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>TENANT SECURITY DEPOSITS</Description>
        <Amount>77452</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>3683255</TotalOfAmounts>
      <TotRevenueEtcAuditedFinclStmt>7280140</TotRevenueEtcAuditedFinclStmt>
      <DonatedSrvcAndUseOfFacilities>19809</DonatedSrvcAndUseOfFacilities>
      <OtherRevenues>-35502</OtherRevenues>
      <RevenueNotRptdF990>-15693</RevenueNotRptdF990>
      <RevenueSubtotal>7295833</RevenueSubtotal>
      <TotalRevenuePerForm990>7295833</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>7049330</TotExpensesEtcAuditedFinclStmt>
      <DonatedServicesUseOfFacilities>19809</DonatedServicesUseOfFacilities>
      <OtherExpensesIncluded>-315</OtherExpensesIncluded>
      <ExpensesNotRptdF990>19494</ExpensesNotRptdF990>
      <ExpensesSubtotal>7029836</ExpensesSubtotal>
      <OtherExpensesNotIncluded>156114</OtherExpensesNotIncluded>
      <ExpensesNotRptdOnFinStmt>156114</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>7185950</TotalExpensesPerForm990>
      <Form990ScheduleDPartXIII>
        <Identifier>REVENUE AMOUNTS INCLUDED IN FINANCIALS - OTHER</Identifier>
        <ReturnReference>SCHEDULE D, PAGE 4, PART XI, LINE 2D</ReturnReference>
        <Explanation>CONSOLIDATING ACTIVITY 114,613 DEBT FORGIVEN -149,800 OTHER LOSSES -315</Explanation>
      </Form990ScheduleDPartXIII>
      <Form990ScheduleDPartXIII>
        <Identifier>EXPENSE AMOUNTS INCLUDED IN FINANCIALS - OTHER</Identifier>
        <ReturnReference>SCHEDULE D, PAGE 4, PART XII, LINE 2D</ReturnReference>
        <Explanation>OTHER LOSSES -315</Explanation>
      </Form990ScheduleDPartXIII>
      <Form990ScheduleDPartXIII>
        <Identifier>EXPENSE AMOUNTS INCLUDED ON RETURN - OTHER</Identifier>
        <ReturnReference>SCHEDULE D, PAGE 4, PART XII, LINE 4B</ReturnReference>
        <Explanation>ELIMINATING ACTIVITIES 156,114</Explanation>
      </Form990ScheduleDPartXIII>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc8">
      <GeneralExplanation>
        <Identifier>EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS</Identifier>
        <ReturnReference>FORM 990, PAGE 1, PART I, LINE 6</ReturnReference>
        <Explanation>INDIVIDUALS WORK AS MENTORS WITH YOUTH AND HOUSING CLIENTS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FIRST ACCOMPLISHMENT DESCRIPTION</Identifier>
        <ReturnReference>FORM 990, PAGE 2, PART III, LINE 4A</ReturnReference>
        <Explanation>(38 UNITS CONSTRUCTION/REHAB, WITH 2 NEW UNITS BUILT IN PUBIC HOUSING DEVELOPMENTS AND 1 IN A NONPROFIT DEVELOPMENT; 4) PRE-APPRENTICE CERTIFICATION (PACT) 30 YOUTH; 5) JOB AND/OR COMMUNITY COLLEGE PLACEMENTS 49; AND 6)ADULT/PARENT SPONSORS 158 IMPACTS: THE ALTERNATIVES TO THIS TRAINING/EDUCATION/PLACEMENT PROGRAM FOR HIGH SCHOOL DROPOUTS ARE FEW AND OFTEN MORE COSTLY TO THE INDIVIDUAL, THE FAMILY AND SOCIETY. OTHER TRAINING PROGRAMS: CAREER CONNECTIONS OFFERS AFTERSCHOOL HOURS FOR HIGH SCHOOL STUDENTS AT RISK OF DROPPING OUT OF SCHOOL MAKING AVAILABLE CAREER ORIENTATION, MENTORING, AND TUTORING SERVICES. BIOMEDICAL CAREERS PROGRAM OFFERS ACADEMIC CLASSES, COMPUTER LAB, BIOMEDICAL LABORATORY TRAINING, JOB COUNSELING AND PLACEMENT IN A COLLABORATIVE TRAINING PROGRAM IN PARTNERSHIP WITH BUNKER HILL COMMUNITY COLLEGE. CAMBRIDGE TEENWORK IS A PRIVATE SECTOR JOB PROGRAM TARGETED AT CAMBRIDGE RESIDENTS AGES 16 TO 18. SUMMER PROGRAMS ARE OFFERED FOR YOUTH AGES 14 TO 19 THAT PROVIDE A COMBINATION OF ACADEMIC ENRICHMENT, LIFE SKILLS BUILDING, AND WORK EXPERIENCE.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>THIRD ACCOMPLISHMENT DESCRIPTION</Identifier>
        <ReturnReference>FORM 990, PAGE 2, PART III, LINE 4C</ReturnReference>
        <Explanation>4) DISPUTE RESOLUTION SERVICES, 600 PEOPLE INCLUDING LANDLORD-TENANT COACHING, HOUSING RIGHTS AND RESPONSIBILITIES, RESOURCE FINDING AND EARLY INTERVENTIONS; AND 5) SERVICE IN FOUR DISTRICT HOUSING COURTS. COMPARISONS: IN THIS PROGRAM, THE WORKOUTS PER CASE AVERAGE 1,200 - 1,500 FOR HOMELESS PREVENTION. THE STATE PAYS A RANGE FROM 35,000 - 45,000 PER YEAR FOR EACH SINGLE ROOM IN EMERGENCY SHELTERS/MOTELS/HOTELS TO HOUSE FAMILIES FOR VARIOUS SIZES. TOTAL HOUSING STABILIZATIONAND HOMELESS PREVENTION PROGRAM EXPENSES: 844,407 INCLUDING INKIND SERVICES. THE LARGEST HOUSING DEVELOPMENT/RETENTION PROGRAM IS THE NONPROFIT RENTAL AND FIRST TIME HOMEBUYER PROGRAM FOR WORKING FAMILIES AND RETIREES. THIS PROGRAM INCLUDES SITE PURCHASE, NEW CONSTRUCTION AND GUT REHABILITATION, OUTREACH/MARKETING, CONSTRUCTION MANAGEMENT, PORTFOLIO RESPONSIBILITIES AND LONG TERM RETENTION OF AFFORDABILITY. IN THE 28TH YEAR, ACCOMPLISHMENTS INCLUDE: 1) RENTAL UNITS IN WORKUP 19 AND FIRST TIME HOMEBUYER UNITS IN WORKUP 13; 2) CONTINUED MULTI-SERVICE AND TRANSITIONAL HOUSING IN FORMER RECTORY FOR JUST-A-START'S TEEN LIVING PROGRAM WITH TRANSITIONAL SHELTER, 12 FAMILIES, 23RD YEAR; 3) CAPITAL IMPROVEMENTS CONTINUING IN NONPROFIT APARTMENTS WITH CONTINUED AFFORDABILITTY AND WORKUP OF FINANCING; 4) BUYBACK/PREP/RESALE OF 17 CITY-REFERRED PRIVATELY DEVELOPED AFFORDABLE HOMEOWNERSHIP UNITS; 5) MANAGEMENT OF MULTIPLE LOAN AND GRANT FUNDS FOR THE HOUSING DEVELOPMENT WORKLOAD; AND 6) LONG TERM AFFORDABILITY FOR 567 RENTAL AND 223 FIRST TIME HOMEBUYER HOUSING UNITS. TOTAL HOUSING DEVELOPMENT PROGRAM EXPENSES: 538,200 INCLUDING INKIND SERVICES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ALL OTHER ACCOMPLISHMENT DESCRIPTION</Identifier>
        <ReturnReference>FORM 990, PAGE 2, PART III, LINE 4D</ReturnReference>
        <Explanation>THE ORGANIZATION PROVIDES AFFORDABLE HOUSING UNITS FOR RENT WHICH IS MANAGED BY AN INDEPENDENT PROPERTY MANAGEMENT COMPANY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>MANAGEMENT DELEGATED</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 3</ReturnReference>
        <Explanation>RENTAL PROPERTIES ARE MANAGED BY AN INDEPENDENT PROPERTY MANAGEMENT COMPANY: MALONEY PROPERTIES, INC.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ORGANIZATION'S PROCESS USED TO REVIEW FORM 990</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 11B</ReturnReference>
        <Explanation>REVIEWED BY FINANCE COMMITTEE AND EXECUTIVE COMMITTEE CHAIRS AND MADE AVAILABLE VIA EMAIL TO ALL BOARD MEMBERS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR TOP OFFICIAL</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15A</ReturnReference>
        <Explanation>THE BOARD OF DIRECTORS UTILIZED THE SERVICES OF AN INDEPENDENT EXECUTIVE SEARCH FIRM WHO CONDUCTED AS ASSESSMENT OF COMPARABLE SALARIES FOR AGENCIES OF SIMILAR SIZE AND COMPLEXITY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR OFFICERS</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15B</ReturnReference>
        <Explanation>THE PROCESS FOR EXISTING EMPLOYEES INVOLVES OCCASIONAL COST OF LIVING ADJUSTMENTS BASED ON THE AVAILABILITY OF OPERATING FUNDS FOR RELATED PROGRAMS. WHEN THERE IS TURNOVER IN A POSITION, COMPARABILITY DATA IS SOUGHT FOR REFERENCE. IN THE CURRENT FISCAL COST/REVENUE SITUTATION, EVERY COST OF LIVING ADJUSTMENT IS IMPACTED BY INFLATION AND CONTINUED SHARP INCREASED IN HEALTH CARE COVERAGE.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 19</ReturnReference>
        <Explanation>GOVERNING DOCUMENTS ARE AVAILABLE ON A NUMBER OF GOVERNMENTAL AND PRIVATE WEBSITES AND AVAILABLE UPON WRITTEN REQUEST FROM THE ORGANIZATION.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>