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      <IncomeFromInvestBondProceeds>
        <TotalRevenueColumn>0</TotalRevenueColumn>
      </IncomeFromInvestBondProceeds>
      <RoyaltiesRevenue>
        <TotalRevenueColumn>0</TotalRevenueColumn>
      </RoyaltiesRevenue>
      <GrossRents>
        <Real>221518</Real>
      </GrossRents>
      <LessRentalExpenses>
        <Real>40772</Real>
      </LessRentalExpenses>
      <RentalIncomeOrLoss>
        <Real>180746</Real>
      </RentalIncomeOrLoss>
      <NetRentalIncomeOrLoss>
        <TotalRevenueColumn>180746</TotalRevenueColumn>
        <ExclusionAmount>180746</ExclusionAmount>
      </NetRentalIncomeOrLoss>
      <GrossAmountSalesAssets>
        <Securities>679032</Securities>
      </GrossAmountSalesAssets>
      <LessCostOthBasisSalesExpenses>
        <Securities>695683</Securities>
      </LessCostOthBasisSalesExpenses>
      <GainOrLoss>
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      <NetGainOrLossInvestments>
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        <ExclusionAmount>-16651</ExclusionAmount>
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      <NetIncomeFromFundraisingEvents>
        <TotalRevenueColumn>0</TotalRevenueColumn>
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      <NetIncomeFromGaming>
        <TotalRevenueColumn>0</TotalRevenueColumn>
      </NetIncomeFromGaming>
      <NetIncomeOrLoss>
        <TotalRevenueColumn>0</TotalRevenueColumn>
      </NetIncomeOrLoss>
      <OtherRevenueMisc>
        <Description>PEER REVIEW INCOME</Description>
        <BusinessCode>621110</BusinessCode>
        <TotalRevenueColumn>9400</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>9400</RelatedOrExemptFunctionIncome>
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      <TotalOtherRevenue>9400</TotalOtherRevenue>
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      <GrantsToDomesticOrgs>
        <Total>576952</Total>
        <ProgramServices>576952</ProgramServices>
      </GrantsToDomesticOrgs>
      <GrantsToDomesticIndividuals>
        <Total>0</Total>
      </GrantsToDomesticIndividuals>
      <ForeignGrants>
        <Total>0</Total>
      </ForeignGrants>
      <BenefitsToMembers>
        <Total>0</Total>
      </BenefitsToMembers>
      <CompCurrentOfficersDirectors>
        <Total>511970</Total>
        <ManagementAndGeneral>511970</ManagementAndGeneral>
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      <CompDisqualPersons>
        <Total>0</Total>
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      <OtherSalariesAndWages>
        <Total>1084448</Total>
        <ManagementAndGeneral>1084448</ManagementAndGeneral>
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      <PensionPlanContributions>
        <Total>44473</Total>
        <ManagementAndGeneral>44473</ManagementAndGeneral>
      </PensionPlanContributions>
      <OtherEmployeeBenefits>
        <Total>121427</Total>
        <ManagementAndGeneral>121427</ManagementAndGeneral>
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      <PayrollTaxes>
        <Total>99264</Total>
        <ManagementAndGeneral>99264</ManagementAndGeneral>
      </PayrollTaxes>
      <FeesForServicesManagement>
        <Total>0</Total>
      </FeesForServicesManagement>
      <FeesForServicesLegal>
        <Total>29296</Total>
        <ManagementAndGeneral>29296</ManagementAndGeneral>
      </FeesForServicesLegal>
      <FeesForServicesAccounting>
        <Total>36500</Total>
        <ManagementAndGeneral>36500</ManagementAndGeneral>
      </FeesForServicesAccounting>
      <FeesForServicesLobbying>
        <Total>0</Total>
      </FeesForServicesLobbying>
      <FeesForServicesProfFundraising>
        <Total>0</Total>
      </FeesForServicesProfFundraising>
      <FeesForServicesInvstMgmntFees>
        <Total>0</Total>
      </FeesForServicesInvstMgmntFees>
      <FeesForServicesOther>
        <Total>360383</Total>
        <ManagementAndGeneral>360383</ManagementAndGeneral>
      </FeesForServicesOther>
      <Advertising>
        <Total>59735</Total>
        <ManagementAndGeneral>59735</ManagementAndGeneral>
      </Advertising>
      <OfficeExpenses>
        <Total>81292</Total>
        <ManagementAndGeneral>81292</ManagementAndGeneral>
      </OfficeExpenses>
      <InformationTechnology>
        <Total>32043</Total>
        <ManagementAndGeneral>32043</ManagementAndGeneral>
      </InformationTechnology>
      <Royalties>
        <Total>0</Total>
      </Royalties>
      <Occupancy>
        <Total>90044</Total>
        <ManagementAndGeneral>90044</ManagementAndGeneral>
      </Occupancy>
      <Travel>
        <Total>45918</Total>
        <ManagementAndGeneral>45918</ManagementAndGeneral>
      </Travel>
      <TravelEntrtnmntPublicOfficials>
        <Total>0</Total>
      </TravelEntrtnmntPublicOfficials>
      <ConferencesMeetings>
        <Total>42092</Total>
        <ManagementAndGeneral>42092</ManagementAndGeneral>
      </ConferencesMeetings>
      <Interest>
        <Total>0</Total>
      </Interest>
      <PaymentsToAffiliates>
        <Total>0</Total>
      </PaymentsToAffiliates>
      <DepreciationDepletion>
        <Total>437848</Total>
        <ManagementAndGeneral>437848</ManagementAndGeneral>
      </DepreciationDepletion>
      <Insurance>
        <Total>46288</Total>
        <ManagementAndGeneral>46288</ManagementAndGeneral>
      </Insurance>
      <OtherExpenses>
        <Description>SENIOR ENCOUNTER DATA REVIEW</Description>
        <Total>304795</Total>
        <ManagementAndGeneral>304795</ManagementAndGeneral>
      </OtherExpenses>
      <OtherExpenses>
        <Description>PHYSICIAN/EDUCATIONAL EXPENSES</Description>
        <Total>649080</Total>
        <ManagementAndGeneral>649080</ManagementAndGeneral>
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      <OtherExpenses>
        <Description>CONTRACT MANAGEMENT FEE</Description>
        <Total>5929562</Total>
        <ProgramServices>5929562</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>MEDICAL EXPENSES</Description>
        <Total>70669243</Total>
        <ProgramServices>70669243</ProgramServices>
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      <AllOtherExpenses>
        <Total>100453</Total>
        <ManagementAndGeneral>100453</ManagementAndGeneral>
      </AllOtherExpenses>
      <TotalFunctionalExpenses>
        <Total>81353106</Total>
        <ProgramServices>77175757</ProgramServices>
        <ManagementAndGeneral>4177349</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <ReceivablesFromOfficersEtc>
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      <ReceivablesFromDisqualPersons>
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      <OtherNotesLoansReceivableNet>
        <EOY>0</EOY>
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      <InventoriesForSaleOrUse>
        <EOY>0</EOY>
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      <PrepaidExpensesDeferredCharges>
        <BOY>424098</BOY>
        <EOY>144744</EOY>
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      <LandBuildingsEquipmentBasis>6493068</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>1497077</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>4938443</BOY>
        <EOY>4995991</EOY>
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      <InvestmentsPubTradedSecurities>
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        <EOY>9797139</EOY>
      </InvestmentsPubTradedSecurities>
      <InvestmentsOtherSecurities>
        <EOY>0</EOY>
      </InvestmentsOtherSecurities>
      <InvestmentsProgramRelated>
        <EOY>0</EOY>
      </InvestmentsProgramRelated>
      <IntangibleAssets>
        <EOY>0</EOY>
      </IntangibleAssets>
      <OtherAssetsTotal>
        <EOY>0</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>29872368</BOY>
        <EOY>29968058</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>12963104</BOY>
        <EOY>12464551</EOY>
      </AccountsPayableAccruedExpenses>
      <GrantsPayable>
        <BOY>100000</BOY>
      </GrantsPayable>
      <TotalLiabilities>
        <BOY>13063104</BOY>
        <EOY>12464551</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>15978294</BOY>
        <EOY>17437745</EOY>
      </UnrestrictedNetAssets>
      <TemporarilyRestrictedNetAssets>
        <BOY>830970</BOY>
        <EOY>65762</EOY>
      </TemporarilyRestrictedNetAssets>
      <TotalNetAssetsFundBalances>
        <BOY>16809264</BOY>
        <EOY>17503507</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>29872368</BOY>
        <EOY>29968058</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>302926</ReconcilationRevenueExpenses>
      <ReconciliationUnrealizedInvest>391317</ReconciliationUnrealizedInvest>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <FSAuditedBasis>
        <FinancialStatementSeparate>X</FinancialStatementSeparate>
      </FSAuditedBasis>
      <AuditCommittee>true</AuditCommittee>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleB documentId="IRS990ScheduleB" softwareId="12000229" softwareVersion="2012v2.0">
      <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>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="IRS990ScheduleD" softwareId="12000229" softwareVersion="2012v2.0">
      <Land>
        <OtherCostOrOtherBasis>1300000</OtherCostOrOtherBasis>
        <BookValue>1300000</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>2819419</OtherCostOrOtherBasis>
        <Depreciation>42974</Depreciation>
        <BookValue>2776445</BookValue>
      </Buildings>
      <LeaseholdImprovements>
        <OtherCostOrOtherBasis>115432</OtherCostOrOtherBasis>
        <Depreciation>48298</Depreciation>
        <BookValue>67134</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <OtherCostOrOtherBasis>2258217</OtherCostOrOtherBasis>
        <Depreciation>1405805</Depreciation>
        <BookValue>852412</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>4995991</TotalOfBookValueLandBuildings>
      <TotRevenueEtcAuditedFinclStmt>82047349</TotRevenueEtcAuditedFinclStmt>
      <NetUnrealizedGainsInvestments>391317</NetUnrealizedGainsInvestments>
      <RevenueNotRptdF990>391317</RevenueNotRptdF990>
      <RevenueSubtotal>81656032</RevenueSubtotal>
      <TotalRevenuePerForm990>81656032</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>81353106</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>81353106</ExpensesSubtotal>
      <TotalExpensesPerForm990>81353106</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleI documentId="IRS990ScheduleI" softwareId="12000229" softwareVersion="2012v2.0">
      <RecordsMaintained>true</RecordsMaintained>
      <RecipientTable>
        <RecipientNameBusiness>
          <BusinessNameLine1>NCAPIP</BusinessNameLine1>
        </RecipientNameBusiness>
        <AddressUS>
          <AddressLine1>1322 18th St NW Suite 200</AddressLine1>
          <City>Washington</City>
          <State>DC</State>
          <ZIPCode>20036</ZIPCode>
        </AddressUS>
        <EINOfRecipient>943030866</EINOfRecipient>
        <IRCSection>501(c)(3)</IRCSection>
        <AmountOfCashGrant>20000</AmountOfCashGrant>
        <AmountOfNonCashAssistance>0</AmountOfNonCashAssistance>
        <PurposeOfGrant>RAISE HEALTH AWARENESS APIA</PurposeOfGrant>
      </RecipientTable>
      <RecipientTable>
        <RecipientNameBusiness>
          <BusinessNameLine1>Community Youth Center of San Fr</BusinessNameLine1>
        </RecipientNameBusiness>
        <AddressUS>
          <AddressLine1>1038 Post St</AddressLine1>
          <City>San Francisco</City>
          <State>CA</State>
          <ZIPCode>94109</ZIPCode>
        </AddressUS>
        <EINOfRecipient>941728818</EINOfRecipient>
        <IRCSection>501(c)(3)</IRCSection>
        <AmountOfCashGrant>10200</AmountOfCashGrant>
        <AmountOfNonCashAssistance>0</AmountOfNonCashAssistance>
        <PurposeOfGrant>PROMOTING HEALTHY LIFESTYLES</PurposeOfGrant>
      </RecipientTable>
      <RecipientTable>
        <RecipientNameBusiness>
          <BusinessNameLine1>CHINESE HOSPITAL ASSOCIATION</BusinessNameLine1>
        </RecipientNameBusiness>
        <AddressUS>
          <AddressLine1>845 JACKSON STREET</AddressLine1>
          <City>SAN FRANCISCO</City>
          <State>CA</State>
          <ZIPCode>94133</ZIPCode>
        </AddressUS>
        <EINOfRecipient>940382780</EINOfRecipient>
        <IRCSection>501(c)(3)</IRCSection>
        <AmountOfCashGrant>367049</AmountOfCashGrant>
        <AmountOfNonCashAssistance>0</AmountOfNonCashAssistance>
        <PurposeOfGrant>BUILDING FUND, TREATMENT CENTER,ETC</PurposeOfGrant>
      </RecipientTable>
      <RecipientTable>
        <RecipientNameBusiness>
          <BusinessNameLine1>CHINESE COMMUNITY HEALTH RESOURCE CTR</BusinessNameLine1>
        </RecipientNameBusiness>
        <AddressUS>
          <AddressLine1>835 JACKSON STREET ROOM 425</AddressLine1>
          <City>SAN FRANCISCO</City>
          <State>CA</State>
          <ZIPCode>94133</ZIPCode>
        </AddressUS>
        <EINOfRecipient>204251913</EINOfRecipient>
        <IRCSection>501(c)(3)</IRCSection>
        <AmountOfCashGrant>130000</AmountOfCashGrant>
        <AmountOfNonCashAssistance>0</AmountOfNonCashAssistance>
        <PurposeOfGrant>HEALTH RESOURCES CENTER,ETC</PurposeOfGrant>
      </RecipientTable>
      <RecipientTable>
        <RecipientNameBusiness>
          <BusinessNameLine1>Chinatown Public Health Center</BusinessNameLine1>
        </RecipientNameBusiness>
        <AddressUS>
          <AddressLine1>1490 Mason St</AddressLine1>
          <City>San Francisco</City>
          <State>CA</State>
          <ZIPCode>94133</ZIPCode>
        </AddressUS>
        <EINOfRecipient>946000417</EINOfRecipient>
        <IRCSection>N/A</IRCSection>
        <AmountOfCashGrant>10000</AmountOfCashGrant>
        <AmountOfNonCashAssistance>0</AmountOfNonCashAssistance>
        <PurposeOfGrant>CHRONIC DISEASE SELF MANAGEMENT</PurposeOfGrant>
      </RecipientTable>
      <RecipientTable>
        <RecipientNameBusiness>
          <BusinessNameLine1>American Heart Assc</BusinessNameLine1>
        </RecipientNameBusiness>
        <AddressUS>
          <AddressLine1>100 Montgomery St 1650</AddressLine1>
          <City>San Francisco</City>
          <State>CA</State>
          <ZIPCode>94104</ZIPCode>
        </AddressUS>
        <EINOfRecipient>135613797</EINOfRecipient>
        <IRCSection>501 (C) (3)</IRCSection>
        <AmountOfCashGrant>10000</AmountOfCashGrant>
        <AmountOfNonCashAssistance>0</AmountOfNonCashAssistance>
        <PurposeOfGrant>PROMOTE HEALTHY HEART</PurposeOfGrant>
      </RecipientTable>
      <TotalNbrOf501C3AndGovtGrants>5</TotalNbrOf501C3AndGovtGrants>
      <TotalNbrOfOtherOrganizations>1</TotalNbrOfOtherOrganizations>
      <Form990ScheduleIPartIV>
        <Identifier>Grantmaker's Description of How Grants are Used</Identifier>
        <Explanation>THE ASSOCIATION REQUIRES GRANTEES TO SUBMIT PERIODIC REPORT TO ENSURE THAT ITS GRANTS WERE USED FOR PROPER PURPOSES.</Explanation>
      </Form990ScheduleIPartIV>
    </IRS990ScheduleI>
    <IRS990ScheduleJ documentId="IRS990ScheduleJ" softwareId="12000229" softwareVersion="2012v2.0">
      <CompensationCommittee>X</CompensationCommittee>
      <SeverancePayment>false</SeverancePayment>
      <SupplementalNonqualRetirePlan>false</SupplementalNonqualRetirePlan>
      <EquityBasedCompArrangement>false</EquityBasedCompArrangement>
      <CompBasedOnRevenueOfFilingOrg>false</CompBasedOnRevenueOfFilingOrg>
      <CompBasedOnRevenueRelatedOrgs>false</CompBasedOnRevenueRelatedOrgs>
      <CompBasedNetEarningsFilingOrg>false</CompBasedNetEarningsFilingOrg>
      <CompBasedNetEarningsRelateOrgs>false</CompBasedNetEarningsRelateOrgs>
      <AnyNonFixedPayments>false</AnyNonFixedPayments>
      <InitialContractException>false</InitialContractException>
      <RebuttablePresumptionProcedure>false</RebuttablePresumptionProcedure>
      <Form990ScheduleJPartII>
        <NamePerson>POLLY CHEN</NamePerson>
        <Title>director of ope</Title>
        <BaseCompensationFilingOrg>157099</BaseCompensationFilingOrg>
        <DeferredCompFilingOrg>7855</DeferredCompFilingOrg>
        <NontaxableBenefitsFilingOrg>10053</NontaxableBenefitsFilingOrg>
        <TotalCompensationFilingOrg>175007</TotalCompensationFilingOrg>
      </Form990ScheduleJPartII>
    </IRS990ScheduleJ>
    <IRS990ScheduleL documentId="IRS990ScheduleL" softwareId="12000229" softwareVersion="2012v2.0">
      <Form990ScheduleLPartIV>
        <NameOfInterestedPerson>
          <NamePerson>SHU-WING CHAN MD</NamePerson>
        </NameOfInterestedPerson>
        <Relationship>DIRECTOR &amp; V.P.</Relationship>
        <DescriptionOfTransaction>NO BUSINESS TRANSACTION.</DescriptionOfTransaction>
        <SharingOfRevenues>false</SharingOfRevenues>
      </Form990ScheduleLPartIV>
      <Form990ScheduleLPartIV>
        <NameOfInterestedPerson>
          <NamePerson>LARRY MAO</NamePerson>
        </NameOfInterestedPerson>
        <Relationship>DIRECTOR</Relationship>
        <DescriptionOfTransaction>NO BUSINESS TRANSACTION</DescriptionOfTransaction>
        <SharingOfRevenues>false</SharingOfRevenues>
      </Form990ScheduleLPartIV>
      <Form990ScheduleLPartIV>
        <NameOfInterestedPerson>
          <NamePerson>EDWARD A CHOW MD</NamePerson>
        </NameOfInterestedPerson>
        <Relationship>EXE. DIRECTOR</Relationship>
        <DescriptionOfTransaction>NO BUSINESS TRANSACTION.</DescriptionOfTransaction>
        <SharingOfRevenues>false</SharingOfRevenues>
      </Form990ScheduleLPartIV>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="IRS990ScheduleO" softwareId="12000229" softwareVersion="2012v2.0">
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 19</Identifier>
        <ReturnReference>Form 990, Part VI, Line 19: Other Organization Documents Publicly Available</ReturnReference>
        <Explanation>NO DOCUMENTS AVAILABLE TO THE PUBLIC.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 15b</Identifier>
        <ReturnReference>Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees</ReturnReference>
        <Explanation>THE EXECUTIVE COMMITTEE ACTS AS COMPENSATION COMMITTEE TO REVIEW AND APPROVE THE COMPENSATION FOR OTHER OFFICERS OR KEY EMPLOYEES BY COMPARING THE MARKET RATE FOR THESE POSITIONS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 15a</Identifier>
        <ReturnReference>Form 990, Part VI, Line 15a: Compensation Review &amp; Approval Process - CEO, Top Management</ReturnReference>
        <Explanation>THE EXECUTIVE COMMITTEE ACTS AS COMPENSATION COMMITTEE TO REVIEW AND APPROVE THE COMPENSATION OF TOP MANAGEMENT OFFICAL, INCLUDING PRESIDENT, EXECUTIVE DIRECTOR, AND ASSOCIATE EXECUTIVE DIRECTOR.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 12c</Identifier>
        <ReturnReference>Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts</ReturnReference>
        <Explanation>THE ASSOCIATION ADOPTED THE WRITTEN CONFLICT OF INTEREST POLICY ON JULY 12, 2009, AND REGULARLY MONITORS AND ENFORCES COMPLIANCE WITH THE POLICY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 11b</Identifier>
        <ReturnReference>Form 990, Part VI, Line 11b: Form 990 Review Process</ReturnReference>
        <Explanation>THE EXECUTIVE COMMITTEE REVIEWS AND APPROVES FORM 990 BEFORE FILING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 7b</Identifier>
        <ReturnReference>Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders</ReturnReference>
        <Explanation>STATUTORY MEMBERS HAVE THE RIGHT TO APPROVE OR VETO ANY DISSOLUTION OF THE ASSOCIATION, OR ANY SALE, LEASE, EXCHANGE TRANSFER OR OTHER DISPOSITION OF SUBSTANTIALLY ALL OF THE ASSOCIATION'S ASSETS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 7a</Identifier>
        <ReturnReference>Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body</ReturnReference>
        <Explanation>PARTICIPATING MEMBERS ELECT 10 TRUSTEES, STATUTORY MEMBERS ELECT ONE TRUSTEE, AND CHINESE COMMUNITY HEALTH PLAN SELECTS ONE TRUSTEE.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 6</Identifier>
        <ReturnReference>Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder</ReturnReference>
        <Explanation>THERE ARE THREE CLASSES OF MEMBERSHIP IN THE ASSOCIATION: STATUTORY MEMBERS, PARTICIPATING MEMBERS AND ASSOCIATE MEMBERS.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>