ith effect from the end of the calendar:ye,ar or such• ther periOkbas may from time to time be determined,J4'the Board of Administrators. RIM} c) The Board of Adininikitators• shall priepare an annual report once a year, everlYediwith affecifrOii-Cthe.end of the calendar year. ftbdI , Artide 13;-Irtformatioil ' lajaj_Th