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        <Description>Closely-held equity interests</Description>
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        <Description>Federal income taxes</Description>
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      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section A Line 8B THERE ARE NOT COMMITTEES OF THE BOARD. WHEN SPECIAL COMMITTEES HAVE BEEN ESTABLISHED, THEY MAINTAIN MUNUTES AND SUBMIT SAME TO THE BOARD.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section B Line 15A AND SECTION C, LINE B BOARD MEMBERS ARE NOT COMPENSATED, MOST EMPLOYEES ARE COMPENSATED ACCORDING TO SKILL LEVEL AND IN COMPLIANCE TO FEDERAL AND STATE REQUIREMENTS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section B Line LINE 11 THE FORM IS MADE AVAILABLE AT A REGULAR BOARD MEETING FOR REVIEW. TWO BOARD MEMBERS AND ACCOUNTING REVIEW THE FORM FOR COMPLETENESS. THE FORM AND ALL POLICIES ARE AVAILABLE FOR REVIEW BY THE PUBLIC. BY LAWS ARE POSTED IN THE ENTRY HALL</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
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