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        <Explanation>ELECTICED BOARD MEMBERS</Explanation>
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      <GeneralExplanation>
        <Identifier>Pt VI, Line 7a</Identifier>
        <Explanation>ELECTICED BOARD MEMBERS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 7b</Identifier>
        <Explanation>ANNUAL REVIEW BY THE BOARD</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 10b</Identifier>
        <Explanation>MONTHLY BOARD REVIEW</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 19</Identifier>
        <Explanation>WRITTEN POLICY ARE AVAILABLE UPON REQUEST</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 8a</Identifier>
        <Explanation>ELECTICED BOARD MEMBERS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 8b</Identifier>
        <Explanation>ELECTICED BOARD MEMBERS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 11b</Identifier>
        <Explanation>BOARD REVIEW &amp; APPROVAL</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 12c</Identifier>
        <Explanation>BOARD REVIEW &amp; APPROVAL</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 19</Identifier>
        <Explanation>BOARD REVIEW &amp; APPROVAL</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 15a</Identifier>
        <Explanation>BOARD REVIEW &amp; APPROVAL</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part IX, Line 24f</Identifier>
        <Explanation>401K CONTRIBUTION 7800. 0. 7800. 0. AMERICORP HOUSING SUPPORT 2396. 2396. 0. 0. AMERICORP MATCHING FUNDS 11206. 11206. 0. 0. ANNUAL GALA EXPENSE 34920. 34920. 0. 0. CONSULTING FEES 21165. 21165. 0. 0. DUES &amp; SUBSCRIPTION 350. 0. 350. 0. EQUIPMENT RENTAL 10620. 0. 10620. 0. IMMIGRATION/SUBCONTRACT 32792. 32792. 0. 0. IT/SOFTWARE 7162. 0. 7162. 0. LICENSE 27. 0. 27. 0. MILEAGE &amp; PARKING REIMB. 5400. 5400. 0. 0. NEEDY FAMILIES 41825. 41825. 0. 0. POSTAGE 1385. 0. 1385. 0. PRINTING 1782. 0. 1782. 0.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>