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        <Explanation>AT EVERY ANNUAL MEETING, AT LEAST 10% OF THE MEMBERS NEEDS TO VOTE ON ANY POSITION THAT IS OPEN AFTER A BOARD MEMBER'S TERM EXPIRES. MEMBERS SELECT THE BOARD OF DIRECTORS VIA AN ONLINE ANNUAL MEETING BALLOT.</Explanation>
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        <Explanation>ALL DOCUMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE AVAILABLE ON WEBSITE DURING THE WEEK OF THE ANNUAL ONLINE MEETING.</Explanation>
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