2024-10-23T13:42:53-04:00 2023-12-31 841255164 KUNDINGER CORDER & MONTOYA PC 475 LINCOLN STREET SUITE 200 DENVER CO 80203 990 2023-01-01 841564926 YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION YOUN 3033212265 3550 EAST FIRST AVENUE DENVER CO 80206 DUSTIN ZVONEK PRES. & CEO BEG NOV 3033212265 2024-10-23 true true MARIA MONTOYA P01363907 3035345953 2024-10-23 2023 2024-10-15 13:58:12Z DUSTIN ZVONEK 3550 EAST FIRST AVENUE DENVER CO 80206 2663408 false X WWW.YACENTER.ORG X 2000 CO TO DEVELOP FINANCIAL LITERACY OF YOUNG PEOPLE THROUGH REAL-LIFE EXPERIENCES AND HANDS-ON PROGRAMS. 23 21 41 4998 0 1469630 1472635 909771 981433 1034 6227 59915 77970 2440350 2538265 0 0 1663548 1928456 0 321734 681510 780353 2345058 2708809 95292 -170544 4312639 4111942 260799 230646 4051840 3881296 X YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION IS COMMITTED TO DEVELOPING THE FINANCIAL LITERACY OF YOUNG PEOPLE THROUGH REAL-LIFE EXPERIENCES AND HANDS-ON PROGRAMS PURPOSEFULLY DESIGNED TO ENABLE THEM TO PROSPER IN OUR FREE ENTERPRISE SYSTEM. SINCE 1989, MORE THAN 887,500 YOUTH HAVE BENEFITED FROM THESE NONPROFIT PROGRAMS THAT BUILD LIFE SKILLS, WORK SKILLS, AND FINANCIAL SELF-SUFFICIENCY. false false 1028746 563159 YOUNG AMERITOWNE IS A HANDS-ON PROGRAM THAT INTRODUCES 5TH GRADERS FROM ELEMENTARY SCHOOLS THROUGHOUT COLORADO TO OUR FREE ENTERPRISE SYSTEM. THE THIRTY-SEVEN LESSON CURRICULUM TAUGHT IN THE SCHOOL BY THE TEACHER CULMINATES WHEN THE STUDENTS RUN A LIFE-LIKE TOWN OF UP TO 17 BUSINESSES FOR A DAY, BRINGING THEIR LEARNING TO LIFE AND EXPERIENCING FREE ENTERPRISE FIRST-HAND. PARTICIPATION: 29,374 DURING 2023. 261703 170610 INTERNATIONAL TOWNE IS A ONE-OF-A-KIND PROGRAM THAT INTRODUCES MIDDLE SCHOOL STUDENTS TO THE FINANCIAL REALITIES OF THE GLOBAL MARKETPLACE. AFTER WEEKS OF CLASSROOM LESSONS AND ACTIVITIES, THE STUDENTS-TURNED-WORLD-CITIZENS COME TO INTERNATIONAL TOWNE TO RUN THE SIXTEEN-COUNTRY WORLD FOR A DAY, EXPERIENCING THE ECONOMIC CONCEPTS OF GLOBAL TRADING, CURRENCY EXCHANGE, IMPORTING AND EXPORTING, AND CULTURAL VALUES. PARTICIPATION: 8,092 STUDENTS DURING 2023. 415085 20210 YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION ALSO OFFERS A VARIETY OF ENTREPRENEURSHIP TRAINING PROGRAMS THROUGH OUR YOUTHBIZ DIVISION. SERVING DENVER-AREA YOUTH AGES 11 TO 18 WITH TARGETED FOCUS ON THOSE FROM LOW-INCOME, UNDERSERVED SCHOOLS AND NEIGHBORHOODS, YOUTH LEARN THE FOUNDATIONS OF BUSINESS AND ENTREPRENEURSHIP ENABLING THEM TO IDENTIFY OPPORTUNITIES AND TO DEVELOP PRODUCTS AND SERVICES THAT CREATE VALUE. YOUTHBIZ OFFERS TWO PROGRAMS, STARTUP AND OUT-OF-THE-BOX. STARTUP IS AN ENTRY LEVEL PROGRAM DESIGNED TO TEACH YOUTH THE BASICS OF ENTREPRENEURSHIP INCLUDING NEED IDENTIFICATION, PROTOTYPE DEVELOPMENT AND BUSINESS PITCH. YOUTHBIZ OUT-OF-THE-BOX TAKES STUDENTS FURTHER INTO THE PRODUCTION AND SALES CYCLES WITH REAL RETAIL OPPORTUNITIES, SUCH AS OUR YOUTHBIZ MARKETPLACE. IN 2023, YOUTHBIZ SERVED 3,533 STUDENTS. 356386 267924 THE ORGANIZATION ALSO CONDUCTED A VARIETY OF COMMUNITY OUTREACH PROGRAMMING INCLUDING MONEY MATTERS CLASSES, TOURS AND PRESENTATIONS. RURAL YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION, LLC IN WRAY, COLORADO OFFERS RURAL YOUNG AMERITOWNE TO SCHOOLS IN EASTERN COLORADO AND ACROSS THE BORDERS OF KANSAS AND NEBRASKA. 749 STUDENTS ATTENDED RURAL YOUNG AMERICANS IN 2023. IN ADDITION, YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION RUNS WEEKLY DAY CAMPS THROUGHOUT THE SUMMER. THEMES FOR THE CAMPS INCLUDE PERSONAL FINANCE AND BANKING, FREE ENTERPRISE, GLOBAL ECONOMICS AND ENTREPRENEURSHIP. SUMMER CAMP PARTICIPATION WAS 805 YOUTH IN 2023. 356386 267924 2061920 true true false false false false false false false false true false false false true false false true false false false false false false true false false false false true false false false false false false false false false false false false true true false false false true X 29 21 true 41 true false false false false false true true false false false false false false X 23 21 false false false false false false false true true false true true true true true true true true true true false X X LAUREN BROZINSKI 3033212265 3550 EAST FIRST AVENUE DENVER CO 80206 X RICHARD MARTINEZ JR PRES & CEO T 3.50 36.50 X X 31752 568093 17523 ANDREW HANCOCK PRES. & CEO 22.50 17.50 X X 60531 114414 561 DUSTIN ZVONEK PRES. & CEO 22.50 17.50 X X 20006 37815 1556 SUE EUSER VP ADMIN, SE 35.00 5.00 X 56301 70128 15672 LAUREN BROZINSKI CONTROLLER,T 27.00 13.00 X 44984 90102 14895 TOBIN TRUSLOW VP BUS. AND 31.20 8.80 X 97420 27338 13764 ANNA LEER SVP OF PROGR 40.00 X 104510 0 15736 AMANDA KRISCHE VP PROG. OPE 40.00 X 100635 0 14470 MICHAEL GERSACK CHAIRMAN 2.00 X X 0 0 0 STEPHANIE BENDRICK VICE CHAIRMA 2.00 X X 0 0 0 CHRIS BECZE DIRECTOR 2.00 X 0 0 0 GREG BLANCHARD DIRECTOR 2.00 X 0 0 0 BRIAN CAHILL DIRECTOR 2.00 X 0 0 0 MBIYU CHISHOLM DIRECTOR 2.00 X 0 0 0 ADAM FIEDOR DIRECTOR 2.00 X 0 0 0 TUHIN HALDER DIRECTOR 2.00 X 0 0 0 JOHN LE DIRECTOR 2.00 X 0 0 0 AVI LOEWENSTEIN DIRECTOR 2.00 X 0 0 0 CHARLIE MAGUIRE DIRECTOR 2.00 X 0 0 0 JACOB PAYNE DIRECTOR 2.00 X 0 0 0 SEAN PECHAN DIRECTOR 2.00 X 0 0 0 BO PERETTO DIRECTOR 2.00 X 0 0 0 CHRISTOPHER PICARDI DIRECTOR 2.00 X 0 0 0 ERIN SIMMONS DIRECTOR 2.00 X 0 0 0 SHANNON SMITH DIRECTOR 2.00 X 0 0 0 BO SUTTON DIRECTOR 2.00 X 0 0 0 AUBREY THACKER DIRECTOR 2.00 X 0 0 0 PAOLO VILLASENOR DIRECTOR 2.00 X 0 0 0 HEATHER WHITE DIRECTOR 2.00 X 0 0 0 516139 907890 94177 2 false true false J KENT ASSOCIATES INC 3457 RINGSBY CT UNIT 103 DENVER CO 80216 STAFFING 140655 1 126300 1346335 13501 1472635 PROGRAM FEES 900099 971433 971433 PROGRAM CONSULTING FEES 900099 10000 10000 981433 6227 6227 37500 37500 40470 40470 40470 40470 125143 126300 125143 2538265 1021903 43727 235237 16065 170769 48403 1377052 1106873 68159 202020 13354 9401 1864 2089 172007 146958 6265 18784 130806 95593 17163 18050 218697 166182 51683 832 17358 17321 37 296939 292131 1484 3324 63321 59082 4239 37686 31805 3113 2768 292 292 46312 46312 12552 12552 OTHER OPERATING EXPENSES 59188 48253 416 10519 MISC. EXPENSE 28008 13100 14908 2708809 2061920 325155 321734 2439866 1493080 1090776 1743072 281950 374279 57894 94067 84784 64433 18763 15570 989307 661866 338071 327441 535 4312639 4111942 102869 83949 86312 76622 71618 70075 260799 230646 X 3782250 3666478 269590 214818 4051840 3881296 4312639 4111942 -170544 X X false true X true false X 1194536 1561517 1875975 1469630 1472635 7574293 1194536 1561517 1875975 1469630 1472635 7574293 831241 6743052 136104 77220 60518 60949 84197 418988 7993281 3835861 0.84360 0.84630 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 461850 144286 317564 527457 517580 9877 327441 DUE TO YOUNG AMERICANS EDUCATION FND 70075 70075 4139839 1601574 1601574 2538265 2538265 4310383 1601574 1601574 2708809 2708809 SCHEDULE D, PAGE 4, PART XIII THE EXCLUDED AMOUNTS RELATE TO IN-KIND RENT FOR THE USE OF FACILITIES AND PARKING SPACE WHERE PROGRAMS ARE CONDUCTED AND IN-KIND ADVERTISING WHICH ARE PRIMARILY PROGRAM COSTS. WHEN THESE AMOUNTS ARE INCLUDED, THE ADMINISTRATIVE/FUNDRAISING EXPENSE RATIO IS APPROXIMATELY 17%. ENTREPRENEUR EV 251443 126300 125143 10150 18717 41051 55225 251443 126300 125143 10150 18717 41051 55225 125143 false false false false false false false false false RICHARD MARTINEZ JR PRES & CEO T/APRIL 31752 568093 258 4614 670 11981 32680 584688 ANDREW HANCOCK PRES. & CEO T/OCT 60531 114414 194 367 60725 114781 FORM 990 - ORGANIZATION'S MISSION YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION IS COMMITTED TO DEVELOPING THE FINANCIAL LITERACY OF YOUNG PEOPLE THROUGH REAL-LIFE EXPERIENCES AND HANDS-ON PROGRAMS PURPOSEFULLY DESIGNED TO ENABLE THEM TO PROSPER IN OUR FREE ENTERPRISE SYSTEM. SINCE 1989, MORE THAN 887,500 YOUTH HAVE BENEFITED FROM THESE NONPROFIT PROGRAMS THAT BUILD LIFE SKILLS, WORK SKILLS, AND FINANCIAL SELF-SUFFICIENCY. FORM 990, PART III THREE OF THE PROGRAMS, YOUNG AMERITOWNE, INTERNATIONAL TOWNE, AND RURAL YOUNG AMERITOWNE, REQUIRE A LARGE AMOUNT OF SPACE TO OPERATE. YOUNG AMERICANS EDUCATION FOUNDATION (THE FOUNDATION), A RELATED ENTITY, OWNS THE THREE BUILDINGS THAT THE CENTER USES TO RUN THE PROGRAMS. THE BUILDINGS ARE LOCATED IN DENVER, LAKEWOOD AND WRAY, COLORADO. THE FOUNDATION PROVIDES THE SPACES AT NO COST TO THE CENTER. IN ADDITION, THE CENTER RECEIVES DONATED SPACE FROM THIRD PARTIES TO OPERATE THE ON THE ROAD PROGRAM. AS SUCH, THE CENTER HAS RECOGNIZED IN-KIND RENT IN THE 2023 AUDITED FINANCIAL STATEMENTS TOTALING 1,601,574 FOR THE FREE USE OF FACILITIES. HOWEVER, THIS IN-KIND REVENUE AND EXPENSE IS EXCLUDED ON THE TAX RETURN. FORM 990, PAGE 2, PART III, LINE 4C YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION ALSO OFFERS A VARIETY OF ENTREPRENEURSHIP TRAINING PROGRAMS THROUGH OUR YOUTHBIZ DIVISION. SERVING DENVER-AREA YOUTH AGES 11 TO 18 WITH TARGETED FOCUS ON THOSE FROM LOW-INCOME, UNDERSERVED SCHOOLS AND NEIGHBORHOODS, YOUTH LEARN THE FOUNDATIONS OF BUSINESS AND ENTREPRENEURSHIP ENABLING THEM TO IDENTIFY OPPORTUNITIES AND TO DEVELOP PRODUCTS AND SERVICES THAT CREATE VALUE. YOUTHBIZ OFFERS TWO PROGRAMS, STARTUP AND OUT-OF-THE-BOX. STARTUP IS AN ENTRY LEVEL PROGRAM DESIGNED TO TEACH YOUTH THE BASICS OF ENTREPRENEURSHIP INCLUDING NEED IDENTIFICATION, PROTOTYPE DEVELOPMENT AND BUSINESS PITCH. YOUTHBIZ OUT-OF-THE-BOX TAKES STUDENTS FURTHER INTO THE PRODUCTION AND SALES CYCLES WITH REAL RETAIL OPPORTUNITIES, SUCH AS OUR YOUTHBIZ MARKETPLACE. IN 2023, YOUTHBIZ SERVED 3,533 STUDENTS. FORM 990, PAGE 2, PART III, LINE 4D THE ORGANIZATION ALSO CONDUCTED A VARIETY OF COMMUNITY OUTREACH PROGRAMMING INCLUDING MONEY MATTERS CLASSES, TOURS AND PRESENTATIONS. RURAL YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION, LLC IN WRAY, COLORADO OFFERS RURAL YOUNG AMERITOWNE TO SCHOOLS IN EASTERN COLORADO AND ACROSS THE BORDERS OF KANSAS AND NEBRASKA. 749 STUDENTS ATTENDED RURAL YOUNG AMERICANS IN 2023. IN ADDITION, YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION RUNS WEEKLY DAY CAMPS THROUGHOUT THE SUMMER. THEMES FOR THE CAMPS INCLUDE PERSONAL FINANCE AND BANKING, FREE ENTERPRISE, GLOBAL ECONOMICS AND ENTREPRENEURSHIP. SUMMER CAMP PARTICIPATION WAS 805 YOUTH IN 2023. FORM 990, PART V YOUNG AMERICANS EDUCATION FOUNDATION ACTS AS A COMMON PAYMASTER FOR CERTAIN EMPLOYEES WHO ALLOCATE THEIR TIME AMONGST MORE THAN ONE RELATED ENTITY. THE NUMBER OF W-2S REPORTED ON FORM 990, PART V, LINE 2A INCLUDE THE NUMBER OF EMPLOYEES WHO WORKED SOLELY FOR THE CENTER PLUS THE NUMBER OF FOUNDATION EMPLOYEES ALLOCATED TO THE CENTER. FORM 990, PART VI THE DIFFERENCE IN THE NUMBER OF VOTING AND INDEPENDENT BOARD MEMBERS RELATES TO THE PRESIDENT/CEO. PER THE 990 INSTRUCTIONS, MEMBERS WHO RECEIVE COMPENSATION FROM THE ORGANIZATION OR FROM RELATED ORGANIZATIONS ARE NOT CONSIDERED INDEPENDENT. BECAUSE THE PRESIDENT/ CEO IS A SALARIED POSITION, BY DEFINITION HE IS NOT CONSIDERED INDEPENDENT. FORM 990, PAGE 6, PART VI, LINE 11B THE CENTER ENGAGES AN ACCOUNTING FIRM TO PREPARE THE 990. MANAGEMENT WORKS CLOSELY WITH THE FIRM DURING THE PREPARATION AND PROVIDES VARIOUS SCHEDULES. A DRAFT IS PROVIDED TO MANAGEMENT, WHO CONDUCTS A REVIEW AND VERIFIES THAT THE INFORMATION IN THE RETURN IS CONSISTENT WITH ORGANIZATIONAL RECORDS. AFTER MANAGEMENT'S REVIEW IS COMPLETED, THE DRAFT 990 IS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW. THE BOARD OF DIRECTORS REVIEWS IT AND ANY QUESTIONS IDENTIFIED ARE RESOLVED. ONCE THE BOARD IS SATISFIED WITH THE DRAFT RETURN, A MEMBER OF THE BOARD PROVIDES A SUMMARY OF THE RETURN AND HIGHLIGHTS ANY RELEVANT OR SIGNIFICANT ITEMS. THE BOARD THEN HAS THE ABILITY TO RAISE ANY ADDITIONAL QUESTIONS. ONCE THE BOARD IS SATISFIED, THE DRAFT 990 IS THEN APPROVED AND PROVIDED IN FINAL FORM TO MANAGEMENT, SIGNED AND SUBMITTED TO THE INTERNAL REVENUE SERVICE. FORM 990, PAGE 6, PART VI, LINE 12C THE CENTER'S CONFLICT OF INTEREST POLICY REQUIRES THAT THE BOARD AND KEY EMPLOYEES DISCLOSE ANY CONFLICTS ANNUALLY. THE ANNUAL DISCLOSURE FORMS ARE OBTAINED AND REVIEWED BY THE SECRETARY OF THE BOARD WHO MAKES A SUMMARY OF ANY DISCLOSED CONFLICTS. ANNUALLY, THE BOARD REVIEWS AND APPROVES ANY RELEVANT CONFLICTS. THE ORGANIZATION IS SMALL ENOUGH AND THE BOARD AND KEY EMPLOYEES ARE WELL VERSED IN THE CONFLICT RULES, THAT AN ANNUAL REVIEW/DISCLOSURE HAS BEEN DEEMED SUFFICIENT. ANNUALLY, EACH EMPLOYEE OF THE ORGANIZATION RECEIVES A COPY OF THE POLICY AND ALSO SUBMITS A CONFLICT OF INTEREST DISCLOSURE FORM. THE ORGANIZATION'S EXECUTIVE MANAGEMENT HAS A HEIGHTENED AWARENESS AND ABILITY TO IDENTIFY CONFLICTS AND ENSURE THAT THE POLICY IS COMPLIED WITH (E.G., LOOKS FOR POSSIBLE CONFLICTS WITH NEW VENDORS). ADDITIONALLY, THE SECRETARY OF THE BOARD HAS BEEN ASSIGNED RESPONSIBILITY FOR ENSURING THAT ALL OF THE FORMS ARE OBTAINED AND REPORTS TO THE CEO WHEN THAT HAS BEEN ACCOMPLISHED, AND PROVIDES A SUMMARY OF CONFLICTS, IF ANY. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD CHAIRS OF YOUNG AMERICANS BANK AND YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION WORKING TOGETHER ARE RESPONSIBLE FOR REVIEWING AND DETERMINING THE CEO/PRESIDENT'S COMPENSATION. DURING Q1 OF EACH YEAR THE CEO PREPARES A SERIES OF MANAGEMENT BY OBJECTIVES (MBO) THAT ARE PRESENTED TO AND REVISED BY EACH BOARD'S EXECUTIVE COMMITTEE. THE MBO'S AND OTHER ORGANIZATIONAL PERFORMANCE INDICATORS ARE INCORPORATED INTO AN ANNUAL PERFORMANCE SURVEY (APS). THE APS ALONG WITH THE MBO ARE SUBMITTED TO EACH BOARD OF DIRECTOR MEMBER IN JANUARY FOR PURPOSES OF COMPLETING A SURVEY ASSESSING THE CEO'S PRIOR YEAR'S PERFORMANCE. SEPARATELY, THE CEO PREPARES A SELF-ASSESSMENT OF PERFORMANCE INCLUDING MBO COMPLETION ESTIMATES. THE COMPILED APS RESULTS, AND THE CEO'S SELF-ASSESSMENT ARE THE PRIMARY RESOURCES USED BY THE BOARD CHAIRS TO DEVELOP AN ANNUAL PERFORMANCE EVALUATION REPORT. THE PERFORMANCE EVALUATION REPORT COMPARES AND CONTRASTS THE RESULTS OF THE APS WITH THE CEO'S SELF-ASSESSMENT AND THAT OF THE BOARD CHAIRS. THE BOARD CHAIRS REVIEW WITH THE CEO THE COMPLETED PERFORMANCE EVALUATION REPORT. THE PERFORMANCE EVALUATION REPORT INCLUDES BASE SALARY ADJUSTMENTS FOR THE NEW CALENDAR YEAR AND A BONUS GRANT, IF ANY, FOR THE PRIOR YEAR PERFORMANCE WHICH IS DISCLOSED DURING EXECUTIVE SESSION OF A BOARD MEETING FOLLOWING ITS COMPLETION. IN DETERMINING THE APPROPRIATE COMPENSATION RANGE, ADEQUATE COMPARABILITY DATA IS OBTAINED FROM THE EMPLOYER'S COUNCIL. PERIODICALLY, THE RANGES FOR ALL OF THE POSITIONS IN THE ORGANIZATION UNDERGO AN EXTERNAL REVIEW FOR APPROPRIATENESS. THE MANAGEMENT TEAM/KEY EMPLOYEES ARE THE SAME FOR YOUNG AMERICANS EDUCATION FOUNDATION, YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION AND YOUNG AMERICANS BANK (WHICH IS AN FDIC INSURED BANK FOR INDIVIDUALS UNDER THE AGE OF 22 WHOSE PURPOSE IS TO EDUCATE CHILDREN ON BANKING PRODUCTS). DUE TO THE SIGNIFICANT REGULATORY SIDE OF THE BANKING BUSINESS, THE CEO OF YOUNG AMERICANS MUST HAVE A BACKGROUND IN BOTH BANKING AND NON-PROFIT MANAGEMENT. AS SUCH, THE APPROPRIATE RANGE FOR THE CEO/PRESIDENT IS A BLEND OF CEO SALARIES FOR BANKS AND NON-PROFITS. THE EXECUTIVE COMMITTEE REVIEWED ALL OF THE SALARY RANGES (INCLUDING THE CEO'S) FOR APPROPRIATENESS DURING THE ANNUAL REVIEW CONDUCTED IN DECEMBER. FORM 990, PAGE 6, PART VI, LINE 15B THE CEO/PRESIDENT IS RESPONSIBLE FOR THE EVALUATION AND SALARY RECOMMENDATIONS FOR THE VICE PRESIDENTS (INCLUDING THE TREASURER/VP OF FINANCE AND THE SECRETARY/VP OF BANK). AGAIN, ADEQUATE COMPARABILITY DATA IS OBTAINED FROM THE EMPLOYER'S COUNCIL. THE TABLE IS PROVIDED TO THE CEO/PRESIDENT AND APPROVED BY THE EXECUTIVE COMMITTEE. THE CEO/PRESIDENT CONDUCTS THE ANNUAL REVIEW OF THE VICE PRESIDENTS AND MAKES SALARY RECOMMENDATIONS CONSISTENT WITH THE SALARY TABLES, WHICH ARE APPROVED BY THE EXECUTIVE COMMITTEE. FORM 990, PAGE 6, PART VI, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. EACH YEAR, A PACKET IS PREPARED WHICH INCLUDES THE RELEVANT INFORMATION AND IS DISTRIBUTED WHEN REQUESTED. FORM 990, PART VII THE TREASURER AND THE SECRETARY OF THE BOARD ARE CONSIDERED OFFICERS OF THE ORGANIZATION ACCORDING TO THE BYLAWS; HOWEVER, THEY HAVE NO VOTING RIGHTS AND ARE THEREFORE EXCLUDED FROM THE COUNT OF VOTING MEMBERS OF THE GOVERNING BODY ON FORM 990, PART I, LINE 3. FORM 990, PAGE 12, PART XII, LINE 2C THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. RURAL YOUNG AMERICANS CENTER FOR FI 3550 E 1ST AVE DENVER CO 80206 841564926 FINANCIAL CO 114784 371728 NA YOUNG AMERICANS EDUCATION FNDN 3550 E 1ST AVE DENVER CO 80206 742513428 PRIVATE OP CO 501C3 PF NA false YOUNG AMERICANS BANK 3550 E 1ST AVE DENVER CO 80206 841056229 BANK CO YOUNG AMER C CORP false false false false false false false false false false false true false false true true true false false false SCHEDULE R NAME OF RELATED ORGANIZATION: YOUNG AMERICANS BANK DIRECT CONTROLLING ENTITY: YOUNG AMERICANS EDUCATION FOUNDATION