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        <Explanation>NO REVIEW WAS OR WILL BE CONDUCTED.</Explanation>
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        <Identifier>ENFORCEMENT OF CONFLICTS POLICY</Identifier>
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        <Explanation>A CONFLICT OF INTEREST DISCLOSURE IS SIGNED ANNUALLY AND MAINTAINED IN THE PERSONNEL FILE OF ALL EMPLOYEES AND BOARD MEMBERS. THESE FILES ARE REVIEWED ANNUALLY FOR COMPLETION OF THE POLICY DISCLOSURE AND ANY NOTED CONFLICTS ARE REVIEWED BY THE EXECUTIVE COMMITTEE.</Explanation>
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      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR TOP OFFICIAL</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15A</ReturnReference>
        <Explanation>COMPENSATION IS DETERMINED WITHIN PREDETERMINED GUIDELINES APPROVED BY THE BOARD OF DIRECTORS AS PART OF ITS POLICIES AND PROCEDURES. THESE GUIDELINES ARE REVIEWED ANNUALLY AND ALL EMPLOYEES (AND THEIR COMPENSATION) ARE GRANTED PERFORMACE APPRAISALS IN ACCORDANCE WITH THAT POLICY.</Explanation>
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