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        <NamePerson>ANN MARR</NamePerson>
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        <NamePerson>REV SAMMIE JONES</NamePerson>
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            <City>MARYLAND HEIGHTS</City>
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      </OtherNonCashContributionsTable>
      <AnyPropertyThatMustBeHeld>false</AnyPropertyThatMustBeHeld>
      <ReviewProcessUnusualNCGifts>false</ReviewProcessUnusualNCGifts>
      <ThirdPartiesUsed>false</ThirdPartiesUsed>
    </IRS990ScheduleM>
    <IRS990ScheduleO documentId="990O" softwareId="12000057" softwareVersion="12.19.1011.1">
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section B Line 12C THE BOARD OF DIRECTORS AND CHIEF EXECUTIVE OFFICER COMPLETE AN ANNUAL CONFLICT OF INTEREST QUESTONNAIRE WHICH IS REVIEWED BY THE CHIEF OPERATING OFFICER AND THE CHIEF FINANCIAL OFFICER.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section B Line 15B ANNUAL EVALUATIONS ARE PREPARED, A COMPARISON OF 990 INFORMATIONAL RETURNS FOR SIMILAR ORGANIZATIONS ARE COMPLETED AND THE COMPENSATION AMOUNTS ARE REVIEWED TO COMPLY WITH FEDERAL REGULATIONS. ALL ARE REVIEWED BY THE HUMAN RESOURCES COMMITTEE OF THE BOARD OF DIRECTORS. SALARY INCREASES ARE SUBMITTED FOR REVIEW AND APPROVAL BY THE EXECUTIVE COMMITTEE AND BOARD CHAIR.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section B Line 11A THE RETURN IS PREPARED BY AN INDEPENDENT PUBLIC ACCOUNTING FIRM AND REVIEWED BY THE CHIEF FINANCIAL OFFICER, CHIEF OPERATING OPERATING OFFICER, AND THE CHIEF EXECUTIVE OFFICER, PRIOR TO THE REVIEW AND APPROVAL BY THE AUDIT AND FINANCE COMMITTEE AND THE EXECUTIVE COMMITTEE. AUTHORITY IS GRANTED TO THE EXECUTIVE COMMITTEE TO APPROVE PRIOR TO SUBMITTAL BY THE BOARD.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part VI Section C Line 19 THE ORGANIZATIONS FINANCIAL STATEMENTS AND 990 ARE MADE AVAILABLE ON THE ORGANIZATIONS WEBSITE, ALL OTHER INFORMATION IS AVAILABLE UPON REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part I Section EXPENSES Line 19 GIVEN MARKET PERFORMANCE IN 2012 AND 2011, A TYPICAL FLUCUATION OCCURED IN RETIREMENT EXPENSE, WHICH THE NON-PROFIT ENVIRONMENT IS RECORDED BELOW THE LINE. AS A RESULT, THE 2012 SURPLUS OF 778,648 DOES NOT REFLECT THE FAS 158 PENSION ADJUSTMENT OF 278,063.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>Form 990 Part XI Section RECONCILIATION OF NET ASSETS Line 5 UNREALIZED GAIN ON INVESTMENTS OF 13,432 AND THE NEGATIVE PENSION RELATED COST ADJUSTMENT OF 278,063.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>