﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-10-28T16:57:19-04:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>593721216</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>ROBERSON &amp; ASSOCIATES PA</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>116A SAILORS COVE DR</AddressLine1Txt>
        <CityNm>PORT SAINT JOE</CityNm>
        <StateAbbreviationCd>FL</StateAbbreviationCd>
        <ZIPCd>324561890</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>592639039</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>GEORGE G &amp; AMELIA G TAPPER</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>FOUNDATION TRUST</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>GEOR</BusinessNameControlTxt>
      <PhoneNum>8502271111</PhoneNum>
      <USAddress>
        <AddressLine1Txt>PO BOX 280</AddressLine1Txt>
        <CityNm>PORT ST JOE</CityNm>
        <StateAbbreviationCd>FL</StateAbbreviationCd>
        <ZIPCd>324570280</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>PATRICIA T WARRINER</PersonNm>
      <PersonTitleTxt>MGR/TRUSTEE</PersonTitleTxt>
      <PhoneNum>8502271111</PhoneNum>
      <SignatureDt>2025-10-27</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>MICHAEL D MCKENZIE CPA</PreparerPersonNm>
      <PTIN>P01462647</PTIN>
      <PhoneNum>8502273838</PhoneNum>
      <PreparationDt>2025-10-27</PreparationDt>
      <SelfEmployedInd>X</SelfEmployedInd>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="9">
    <IRS990PF documentId="RetDoc9">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>1116344</FMVAssetsEOYAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>4461</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>4461</InterestOnSavNetInvstIncmAmt>
        <DividendsRevAndExpnssAmt>20310</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>20310</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt referenceDocumentId="RetDoc2">14365</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>74421</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>16512</CapGainNetIncmNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>39136</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>41283</TotalNetInvstIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc1">1800</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>1800</AccountingFeesNetInvstIncmAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc8">479</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>479</TaxesNetInvstIncmAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc6">13200</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>13200</OtherExpensesNetInvstIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>15479</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>15479</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>131500</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>56500</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>146979</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>15479</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>56500</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-107843</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>25804</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>4690</CashBOYAmt>
        <CashEOYAmt>1711</CashEOYAmt>
        <CashEOYFMVAmt>1711</CashEOYFMVAmt>
        <SavAndTempCashInvstBOYAmt>15284</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>17488</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>17488</SavAndTempCashInvstEOYFMVAmt>
        <CorporateStockBOYAmt>793204</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc4">816845</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>992889</CorporateStockEOYFMVAmt>
        <CorporateBondsBOYAmt>50293</CorporateBondsBOYAmt>
        <OtherInvestmentsBOYAmt>99779</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="RetDoc5">104256</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>104256</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>963250</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>940300</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>1116344</TotalAssetsEOYFMVAmt>
        <AccountsPayableBOYAmt>56500</AccountsPayableBOYAmt>
        <AccountsPayableEOYAmt>75000</AccountsPayableEOYAmt>
        <TotalLiabilitiesBOYAmt>56500</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>75000</TotalLiabilitiesEOYAmt>
        <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
        <NoDonorRstrNetAssestsBOYAmt>906750</NoDonorRstrNetAssestsBOYAmt>
        <NoDonorRstrNetAssestsEOYAmt>865300</NoDonorRstrNetAssestsEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>906750</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>865300</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>963250</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>940300</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>906750</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-107843</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="RetDoc7">66393</OtherIncreasesAmt>
        <SubtotalAmt>865300</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>865300</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapitalGainNetIncomeAmt>16512</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>359</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>359</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>359</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>142</EstimatedPlusOvpmtIncmTxAmt>
        <TotalPaymentsAndCreditsAmt>142</TotalPaymentsAndCreditsAmt>
        <TaxDueAmt>217</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>FL</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>WWW.TAPPERFOUNDATION.ORG</WebsiteAddressTxt>
        <IndividualWithBooksNm>PATRICIA T WARRINER</IndividualWithBooksNm>
        <PhoneNum>8502271111</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>PO BOX 280</AddressLine1Txt>
          <CityNm>PORT SAINT JOE</CityNm>
          <StateAbbreviationCd>FL</StateAbbreviationCd>
          <ZIPCd>32457</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>PATRICIA T WARRINER</PersonNm>
          <USAddress>
            <AddressLine1Txt>501 MONUMENT AVE</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </USAddress>
          <TitleTxt>MGR/TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>DAVID P WARRINER</PersonNm>
          <USAddress>
            <AddressLine1Txt>501 MONUMENT AVE</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>RALPH ROBERSON</PersonNm>
          <USAddress>
            <AddressLine1Txt>116A SAILORS COVE DR</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>REX BUZZETT</PersonNm>
          <USAddress>
            <AddressLine1Txt>501 MONUMENT AVE</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>AMELIA WARRINER</PersonNm>
          <USAddress>
            <AddressLine1Txt>501 MONUMENT AVE</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>DAVID P WARRINER JR</PersonNm>
          <USAddress>
            <AddressLine1Txt>501 MONUMENT AVE</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>973025</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>15519</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>97383</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>1085927</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>1085927</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>16289</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>1069638</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>53482</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>53482</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>359</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>359</TotalTaxAmt>
        <DistributableBeforeAdjAmt>53123</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>53123</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>53123</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>56500</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>56500</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>53123</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>57459</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>64043</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>94894</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>91795</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>82354</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>390545</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>56500</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>53123</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>3377</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>393922</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>57459</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>336463</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>64043</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>94894</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>91795</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>82354</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>3377</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ContributingManagerNm>NONE</ContributingManagerNm>
        <ShareholderManagerNm>NONE</ShareholderManagerNm>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>PATRICIA T WARRINER</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 280</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>8502271111</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>SEE ATTACHED</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>EACH DECEMBER 31ST</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>ALL BENEFICIARIES MUST QUALIFY AS AN IRC SECTION 170(C) OR 2055(A) ORGANIZATION</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>LOVE OF LITERACY INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 6948</AddressLine1Txt>
            <CityNm>DETROIT</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>48206</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SACRED HEART HOSPITAL ON THE GULF</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3801 HWY 98</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>WOMENS DIAGNOSTIC CENTER</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PORT ST JOE HIGH SCHOOL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>100 SHARK DR</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SCHOLARSHIPS</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ST JOSEPH BAY HUMANE SOCIETY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1007 10TH ST</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>ANIMAL WELFARE</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>GULF COAST IMPACT 100</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 83</AddressLine1Txt>
            <CityNm>PANAMA CITY</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32402</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>GULF COAST CHILDREN'S ADVOCACY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>210 E 11TH ST</AddressLine1Txt>
            <CityNm>PANAMA CITY</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32401</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>EDUCATION SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>JUNIOR SERVICE LEAGUE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 114</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32457</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SCHOOL CHILDRENS CLOTHING</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SAME CAFE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>2023 E COLFAX AVE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>5500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BAY AREA CHORAL SOCIETY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 229</AddressLine1Txt>
            <CityNm>EASTPOINT</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32328</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>6000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PORT THEATRE ART &amp; CULTURE CTR INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 1141</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32457</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>RENOVATION</GrantOrContributionPurposeTxt>
          <Amt>25000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>56500</TotalGrantOrContriPdDurYrAmt>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FIRST PRESBYTERIAN CHURCH OF WEWA I</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>239 HWY 71</AddressLine1Txt>
            <CityNm>WEWAHITCHKA</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32465</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SANCTUARY REPAIR</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>JUNIOR SERVICE LEAGUE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 114</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32457</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SCHOOL CHILDRENS CLOTHING</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SECOND CHANCE OF NORTHWEST FLORIDA</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>819 11TH ST</AddressLine1Txt>
            <CityNm>PANAMA CITY</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32401</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>BRIAN INJURY REHAB INSTRUCTOR PAY</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ST JOSEPH BAY HUMANE SOCIETY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1007 10TH ST</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>ANIMAL WELFARE</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BRING ME A BOOK FORGOTTEN COAST INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 160</AddressLine1Txt>
            <CityNm>APALACHICOLA</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32329</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>CHILDREN'S LITERACY</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CHRISTIAN COMMUNITY DEVELOPMNT FUND</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 482</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32457</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY REHABILITATION</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FRIENDS OF GULF CO PUBLIC LIBRARY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>110 LIBRARY DR</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32456</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContriApprvForFutGrp>
        <GrantOrContriApprvForFutGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PORT THEATRE ART &amp; CULTURE CTR INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 1141</AddressLine1Txt>
            <CityNm>PORT ST JOE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32457</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>RENOVATION</GrantOrContributionPurposeTxt>
          <Amt>50000</Amt>
        </GrantOrContriApprvForFutGrp>
        <TotalGrantOrContriApprvFutAmt>75000</TotalGrantOrContriApprvFutAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>4461</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>20310</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>16512</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>-2147</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>41283</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>-2147</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>39136</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <RlnOfActyToAccomOfExmptPrpsGrp>
        <RlnOfActyToAccomOfExmptPrpsGrp>
          <LineNumberTxt>8</LineNumberTxt>
          <RelationshipStatementTxt>THE ADDITIONAL FUNDS GENERATED WERE USED TO PROVIDE</RelationshipStatementTxt>
        </RlnOfActyToAccomOfExmptPrpsGrp>
        <RlnOfActyToAccomOfExmptPrpsGrp>
          <LineNumberTxt>8</LineNumberTxt>
          <RelationshipStatementTxt>CONTRIBUTIONS.</RelationshipStatementTxt>
        </RlnOfActyToAccomOfExmptPrpsGrp>
      </RlnOfActyToAccomOfExmptPrpsGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
        <Amt>1800</Amt>
        <NetInvestmentIncomeAmt>1800</NetInvestmentIncomeAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc2">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>OSAIC 477</AssetDesc>
        <AcquiredDt>2016-07</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-03</SoldDt>
        <GrossSalesPriceAmt>33887</GrossSalesPriceAmt>
        <BasisAmt>32488</BasisAmt>
        <TotalNetAmt>1399</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>OSAIC 481</AssetDesc>
        <AcquiredDt>2017-06</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-11</SoldDt>
        <GrossSalesPriceAmt>17523</GrossSalesPriceAmt>
        <BasisAmt>22727</BasisAmt>
        <TotalNetAmt>-5204</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>OSAIC 173</AssetDesc>
        <AcquiredDt>2023-02</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-05</SoldDt>
        <GrossSalesPriceAmt>6499</GrossSalesPriceAmt>
        <BasisAmt>4841</BasisAmt>
        <TotalNetAmt>1658</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpBondsSchedule documentId="RetDoc3">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE BONDS</BondNm>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc4">
      <InvestmentsCorporateStockGrp>
        <StockNm>COMMON STOCK</StockNm>
        <EOYBookValueAmt>457147</EOYBookValueAmt>
        <EOYFMVAmt>554472</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ETFS</StockNm>
        <EOYBookValueAmt>16476</EOYBookValueAmt>
        <EOYFMVAmt>17259</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MUTUAL FUNDS-UNRESTRICTED</StockNm>
        <EOYBookValueAmt>294280</EOYBookValueAmt>
        <EOYFMVAmt>364049</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>FIXED INCOME-RESTRICTED</StockNm>
        <EOYBookValueAmt>25782</EOYBookValueAmt>
        <EOYFMVAmt>26933</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MUTUAL FUNDS-RESTRICTED</StockNm>
        <EOYBookValueAmt>23160</EOYBookValueAmt>
        <EOYFMVAmt>30176</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc5">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ATHENE INSURANCE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>104256</BookValueAmt>
        <EOYFMVAmt>104256</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherExpensesSchedule documentId="RetDoc6">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INVESTMENT MANAGEMENT FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>7016</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>7016</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OTHER EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>148</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>148</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>SPONSORSHIPS</Desc>
        <RevenueAndExpensesPerBooksAmt>6036</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>6036</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc7">
      <OtherIncreasesDetail>
        <Desc>UNREALIZED GAINS ON INVESTMENTS</Desc>
        <Amt>66393</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="RetDoc8">
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAX ON INVESTMENTS</CategoryTxt>
        <Amt>479</Amt>
        <NetInvestmentIncomeAmt>479</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>