| Return Reference | Explanation |
|---|---|
| FORM 990, PART VI, SECTION B, LINE 11B | THE FORM 990 IS REVIEWED BY THE BOARD OF DIRECTORS BEFORE IT IS FILED. |
| FORM 990, PART VI, SECTION B, LINE 12C | THE BOARD OF DIRECTORS REVIEWS THE CONFLICT OF INTEREST POLICY EACH YEAR. |
| FORM 990, PART VI, SECTION C, LINE 19 | INFORMATION IS MADE AVAILABLE UPON REQUEST. SUMMARY FINANCIAL DATA IS MAILED TO ALL POLICYHOLDERS ANNUALLY. |
| FORM 990, PART XI, LINE 9: | ROUNDING -2. |
| FORM 990, PART XII, LINE 2C: | THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. |
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