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      <GeneralExplanation>
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        <Explanation>REFER COLUMN NO.4A ON PAGE 2</Explanation>
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      <GeneralExplanation>
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        <Explanation>THE TRUST HAS INTEREST AND DIVIDEND INCOME ONLY</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
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        <Explanation>THE TRUST HAS NOT BEEN LICENSED TO ISSUE HEALTH PLANS</Explanation>
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      <GeneralExplanation>
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      <GeneralExplanation>
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      <GeneralExplanation>
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      <GeneralExplanation>
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        <Explanation>ALL THE MEETINGS HELD WERE DOCUMENTED</Explanation>
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      <GeneralExplanation>
        <Identifier>Pt VI, Line 8b</Identifier>
        <Explanation>THE TRUST HAS THE ELECTED GOVERNING BODY</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 10b</Identifier>
        <Explanation>THE ORGANIZATION HAS NO BRANCHES OR AFFLIATES</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 11a</Identifier>
        <Explanation>YES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 15</Identifier>
        <Explanation>NOT APPLICABLE, SINCE THERE IS NO COMPENSATION TO ANY OF THE MEMBERS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part IX, Line 24f</Identifier>
        <Explanation>HEALTH INSURANCE 5941. 5941. 0. 0. BUILDING INSURANCE 7437. 7437. 0. 0. WORKERS COMP INSURANCE 1020. 1020. 0. 0. LICENSES 178. 178. 0. 0. OUTSIDE SERVICES 1867. 1867. 0. 0. POSTAGE &amp; DELIVERY 1596. 1596. 0. 0. PRINTING &amp; REPRODUCTION 9418. 9418. 0. 0. REPAIRS 48762. 48762. 0. 0. SCHOLAR EXPENSES 6175. 6175. 0. 0. SECURITY 1600. 1600. 0. 0. SPECIAL EVENTS 58490. 58490. 0. 0. STUDY CLASS 7142. 7142. 0. 0. TELEPHONE CHARGES 2964. 2964. 0. 0. UTILITIES 27061. 27061. 0. 0. COMPUTER &amp; SOFTWARE EXPENSE</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>