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      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 2</Identifier>
        <Explanation>THE FOUNDATION'S CEO, BLAKE WILSON, IS MARRIED TO STEPHANIE WILSON, WHO IS THE PRESIDENT AND ALSO SERVES ON THE BOARD OF DIRECTORS. BLAKE WILSON, MARK BAUM, AND THOMAS HAJDA ARE ALL EMPLOYED BY EVERBANK IN JACKSONVILLE, FL.</Explanation>
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      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION B, LINE 11</Identifier>
        <Explanation>THE FORM 990 IS REVIEWED BY THE SIGNING OFFICER PRIOR TO FILING.</Explanation>
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      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>THE FOUNDATION REQUIRES THAT AN OFFICER OR DIRECTOR WITH A POTENTIAL CONFLICT OF INTEREST DISCLOSE TO THE BOARD OF DIRECTORS THE MATERIAL FACTS REGARDING THAT CONFLICT. A DIRECTOR WITH A CONFLICT IS NOT PERMITTED TO VOTE ON ANY CONTRACT OR TRANSACTION THAT MIGHT BE AFFECTED BY THAT CONFLICT.</Explanation>
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      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>THE ORGANIZATION'S GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST FROM THE FOUNDATION AT 501 RIVERSIDE AVENUE, 12TH FLOOR, JACKSONVILLE, FL 32202.</Explanation>
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