The Missouri Housing Development Commission (MHDC) policies which are contemplated herein constitute the full and complete policies of MHDC. The Commissioners of MHDC approve and/or ratify these policies and in doing so have declared that any inconsistent or non-included policies are deemed invalid and no longer shall be policies of MHDC. All policies included herein shall bear the date that the Commission has approved this comprehensive and overriding policy binder. Specifically and intentionally excluded from these policies are all board level formal resolutions relating to specific projects, any matters relating to bond indentures and bond issues (single family and multifamily) all of which shall remain in effect.