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      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt III, Line 3</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt V, Line 3b</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt V, Line 13a</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt V, Line 14b</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 1a</Identifier>
        <Explanation>4 VOTING TRUSTEES; 3 NON VOTING TRUSTEES</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 2</Identifier>
        <Explanation>EXECUTIVE DIRECTOR/ TRUSTEE AND ANOTHER TRUSTEE ARE HUSBAND AND WIFE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 3</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 4</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 5</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 6</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 7a</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 7b</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 8a</Identifier>
        <Explanation>MINUTES OF THE TRUSTEES MEETINGS ARE PREPARED BY THE BOARD SECRETARY</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 8b</Identifier>
        <Explanation>MINUTES OF THE TRUSTEES MEETINGS ARE PREPARED BY THE COMMITTEE MEMBER</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 10b</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 11b</Identifier>
        <Explanation>FORM 990 IS PROVIDED TO ALL TRUSTEES AND REVIEWED, BEFORE BEING APPROVED AND FILED</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 12c</Identifier>
        <Explanation>BOARD OF TRUSTEES MONITOR THE CONFLICT OF INTEREST POLICY COMPLIANCE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 15a</Identifier>
        <Explanation>BOARD OF TRUSTEES REVIEW AND APPROVE COMPENSATION MATTERS FOR EXECUTIVE DIRECTOR</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 15b</Identifier>
        <Explanation>BOARD OF TRUSTEES REVIEW AND APPROVE COMPENSATION MATTERS FOR ALL STAFF AND CONSULTANTS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 18</Identifier>
        <Explanation>UPON REQUEST, COPIES WILL BE PROVIDED</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 19</Identifier>
        <Explanation>UPON REQUEST, COPIES WILL BE PROVIDED</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VII, Col (E)</Identifier>
        <Explanation>NONE- NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VII, Col (F)</Identifier>
        <Explanation>NONE - NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VIII</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt X</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part IX, Line 24f</Identifier>
        <Explanation>PAYROLL FEES 813. 813. 0. 0. REPAIRS / MAINTENANCE 4032. 4032. 0. 0. SECURITY ALARM 455. 455. 0. 0. TELEPHONE 1470. 1470. 0. 0. PARKING 1500. 1500. 0. 0. WEB HOSTING 1253. 0. 1253. 0.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt XI</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt XII, Line 1</Identifier>
        <Explanation>ACCRUAL BASIS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt XII, Line 2c</Identifier>
        <Explanation>BOARD OF TRUSTEES TAKE FULL RESPONSIBILITY FOR THE FINANCIAL STATEMENTS AND SELECTION OF ACCOUNTANT</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt XII, Line 3b</Identifier>
        <Explanation>NOT APPLICABLE</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>