﻿<?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>2026-02-05T13:23:17-05:00</ReturnTs>
    <TaxPeriodEndDt>2025-06-30</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>341664586</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>PAYNE NICKLES &amp; COMPANY</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>257 BENEDICT AVENUE BLDG D</AddressLine1Txt>
        <CityNm>NORWALK</CityNm>
        <StateAbbreviationCd>OH</StateAbbreviationCd>
        <ZIPCd>44857</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-07-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>341616719</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>FIRELANDS HABITAT FOR HUMANITY INC</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>FIRE</BusinessNameControlTxt>
      <PhoneNum>4196217818</PhoneNum>
      <USAddress>
        <AddressLine1Txt>7602 MILAN ROAD</AddressLine1Txt>
        <CityNm>SANDUSKY</CityNm>
        <StateAbbreviationCd>OH</StateAbbreviationCd>
        <ZIPCd>44870</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>RYAN HODGES</PersonNm>
      <PersonTitleTxt>EXECUTIVE DIRECTOR</PersonTitleTxt>
      <PhoneNum>4196217818</PhoneNum>
      <SignatureDt>2026-01-21</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>JUDY L MOSHER CPA</PreparerPersonNm>
      <PTIN>P00313474</PTIN>
      <PhoneNum>4196682552</PhoneNum>
      <PreparationDt>2026-01-21</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990 documentId="RetDoc3" referenceDocumentId="RetDoc7">
      <PrincipalOfficerNm>RYAN HODGES</PrincipalOfficerNm>
      <USAddress>
        <AddressLine1Txt>7602 MILAN RD</AddressLine1Txt>
        <CityNm>SANDUSKY</CityNm>
        <StateAbbreviationCd>OH</StateAbbreviationCd>
        <ZIPCd>44870</ZIPCd>
      </USAddress>
      <GrossReceiptsAmt>1676764</GrossReceiptsAmt>
      <GroupReturnForAffiliatesInd>false</GroupReturnForAffiliatesInd>
      <Organization501c3Ind>X</Organization501c3Ind>
      <WebsiteAddressTxt>FIRELANDSHABITAT.ORG</WebsiteAddressTxt>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <FormationYr>1976</FormationYr>
      <LegalDomicileStateCd>OH</LegalDomicileStateCd>
      <ActivityOrMissionDesc>SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE.</ActivityOrMissionDesc>
      <VotingMembersGoverningBodyCnt>12</VotingMembersGoverningBodyCnt>
      <VotingMembersIndependentCnt>12</VotingMembersIndependentCnt>
      <TotalEmployeeCnt>12</TotalEmployeeCnt>
      <TotalVolunteersCnt>150</TotalVolunteersCnt>
      <TotalGrossUBIAmt>0</TotalGrossUBIAmt>
      <PYContributionsGrantsAmt>471138</PYContributionsGrantsAmt>
      <CYContributionsGrantsAmt>882888</CYContributionsGrantsAmt>
      <PYProgramServiceRevenueAmt>739310</PYProgramServiceRevenueAmt>
      <CYProgramServiceRevenueAmt>768367</CYProgramServiceRevenueAmt>
      <PYInvestmentIncomeAmt>2339</PYInvestmentIncomeAmt>
      <CYInvestmentIncomeAmt>16334</CYInvestmentIncomeAmt>
      <PYOtherRevenueAmt>1390</PYOtherRevenueAmt>
      <CYOtherRevenueAmt>9175</CYOtherRevenueAmt>
      <PYTotalRevenueAmt>1214177</PYTotalRevenueAmt>
      <CYTotalRevenueAmt>1676764</CYTotalRevenueAmt>
      <CYGrantsAndSimilarPaidAmt>0</CYGrantsAndSimilarPaidAmt>
      <CYBenefitsPaidToMembersAmt>0</CYBenefitsPaidToMembersAmt>
      <PYSalariesCompEmpBnftPaidAmt>315434</PYSalariesCompEmpBnftPaidAmt>
      <CYSalariesCompEmpBnftPaidAmt>335722</CYSalariesCompEmpBnftPaidAmt>
      <CYTotalProfFndrsngExpnsAmt>0</CYTotalProfFndrsngExpnsAmt>
      <CYTotalFundraisingExpenseAmt>20799</CYTotalFundraisingExpenseAmt>
      <PYOtherExpensesAmt>715007</PYOtherExpensesAmt>
      <CYOtherExpensesAmt>782746</CYOtherExpensesAmt>
      <PYTotalExpensesAmt>1030441</PYTotalExpensesAmt>
      <CYTotalExpensesAmt>1118468</CYTotalExpensesAmt>
      <PYRevenuesLessExpensesAmt>183736</PYRevenuesLessExpensesAmt>
      <CYRevenuesLessExpensesAmt>558296</CYRevenuesLessExpensesAmt>
      <TotalAssetsBOYAmt>2833684</TotalAssetsBOYAmt>
      <TotalAssetsEOYAmt>3315194</TotalAssetsEOYAmt>
      <TotalLiabilitiesBOYAmt>313279</TotalLiabilitiesBOYAmt>
      <TotalLiabilitiesEOYAmt>234604</TotalLiabilitiesEOYAmt>
      <NetAssetsOrFundBalancesBOYAmt>2520405</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>3080590</NetAssetsOrFundBalancesEOYAmt>
      <MissionDesc>SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE.</MissionDesc>
      <SignificantNewProgramSrvcInd>false</SignificantNewProgramSrvcInd>
      <SignificantChangeInd>false</SignificantChangeInd>
      <ExpenseAmt>1030068</ExpenseAmt>
      <RevenueAmt>768367</RevenueAmt>
      <Desc>DURING THE YEAR ENDED JUNE 30, 2025, FIRELANDS HABITAT FOR HUMANITY, INC. COMPLETED CONSTRUCTION OF 2 NEW HOMES AND CONTINUED TO PROVIDE ZERO PERCENT HOME MORTGAGES TO 77 FAMILIES THAT COULD OTHERWISE NOT AFFORD DECENT HOUSING.</Desc>
      <TotalProgramServiceExpensesAmt>1030068</TotalProgramServiceExpensesAmt>
      <DescribedInSection501c3Ind referenceDocumentId="RetDoc8">true</DescribedInSection501c3Ind>
      <ScheduleBRequiredInd referenceDocumentId="RetDoc1">true</ScheduleBRequiredInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>false</LobbyingActivitiesInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <DonorAdvisedFundInd referenceDocumentId="RetDoc5">false</DonorAdvisedFundInd>
      <ConservationEasementsInd referenceDocumentId="RetDoc5">false</ConservationEasementsInd>
      <CollectionsOfArtInd referenceDocumentId="RetDoc5">false</CollectionsOfArtInd>
      <CreditCounselingInd referenceDocumentId="RetDoc5">true</CreditCounselingInd>
      <DonorRstrOrQuasiEndowmentsInd referenceDocumentId="RetDoc5">true</DonorRstrOrQuasiEndowmentsInd>
      <ReportLandBuildingEquipmentInd referenceDocumentId="RetDoc5">true</ReportLandBuildingEquipmentInd>
      <ReportInvestmentsOtherSecInd referenceDocumentId="RetDoc5">false</ReportInvestmentsOtherSecInd>
      <ReportProgramRelatedInvstInd referenceDocumentId="RetDoc5">false</ReportProgramRelatedInvstInd>
      <ReportOtherAssetsInd referenceDocumentId="RetDoc5">true</ReportOtherAssetsInd>
      <ReportOtherLiabilitiesInd referenceDocumentId="RetDoc5">false</ReportOtherLiabilitiesInd>
      <IncludeFIN48FootnoteInd referenceDocumentId="RetDoc5">false</IncludeFIN48FootnoteInd>
      <IndependentAuditFinclStmtInd referenceDocumentId="RetDoc5">true</IndependentAuditFinclStmtInd>
      <ConsolidatedAuditFinclStmtInd referenceDocumentId="RetDoc5">false</ConsolidatedAuditFinclStmtInd>
      <SchoolOperatingInd>false</SchoolOperatingInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <ForeignActivitiesInd>false</ForeignActivitiesInd>
      <MoreThan5000KToOrgInd>false</MoreThan5000KToOrgInd>
      <MoreThan5000KToIndividualsInd>false</MoreThan5000KToIndividualsInd>
      <ProfessionalFundraisingInd>false</ProfessionalFundraisingInd>
      <FundraisingActivitiesInd>false</FundraisingActivitiesInd>
      <GamingActivitiesInd>false</GamingActivitiesInd>
      <OperateHospitalInd>false</OperateHospitalInd>
      <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
      <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
      <ScheduleJRequiredInd>false</ScheduleJRequiredInd>
      <TaxExemptBondsInd>false</TaxExemptBondsInd>
      <EngagedInExcessBenefitTransInd>false</EngagedInExcessBenefitTransInd>
      <PYExcessBenefitTransInd>false</PYExcessBenefitTransInd>
      <LoanOutstandingInd>false</LoanOutstandingInd>
      <GrantToRelatedPersonInd>false</GrantToRelatedPersonInd>
      <BusinessRlnWithOrgMemInd>false</BusinessRlnWithOrgMemInd>
      <BusinessRlnWithFamMemInd>false</BusinessRlnWithFamMemInd>
      <BusinessRlnWith35CtrlEntInd>false</BusinessRlnWith35CtrlEntInd>
      <DeductibleNonCashContriInd referenceDocumentId="RetDoc6">true</DeductibleNonCashContriInd>
      <DeductibleArtContributionInd referenceDocumentId="RetDoc6">false</DeductibleArtContributionInd>
      <TerminateOperationsInd>false</TerminateOperationsInd>
      <PartialLiquidationInd>false</PartialLiquidationInd>
      <DisregardedEntityInd>false</DisregardedEntityInd>
      <RelatedEntityInd>false</RelatedEntityInd>
      <RelatedOrganizationCtrlEntInd>false</RelatedOrganizationCtrlEntInd>
      <TrnsfrExmptNonChrtblRltdOrgInd>false</TrnsfrExmptNonChrtblRltdOrgInd>
      <ActivitiesConductedPrtshpInd>false</ActivitiesConductedPrtshpInd>
      <ScheduleORequiredInd>true</ScheduleORequiredInd>
      <IRPDocumentCnt>0</IRPDocumentCnt>
      <IRPDocumentW2GCnt>0</IRPDocumentW2GCnt>
      <EmployeeCnt>12</EmployeeCnt>
      <EmploymentTaxReturnsFiledInd>true</EmploymentTaxReturnsFiledInd>
      <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <TaxablePartyNotificationInd>false</TaxablePartyNotificationInd>
      <NondeductibleContributionsInd>false</NondeductibleContributionsInd>
      <IndoorTanningServicesInd>false</IndoorTanningServicesInd>
      <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      <SubjectToExcsTaxNetInvstIncInd>false</SubjectToExcsTaxNetInvstIncInd>
      <InfoInScheduleOPartVIInd>X</InfoInScheduleOPartVIInd>
      <GoverningBodyVotingMembersCnt>12</GoverningBodyVotingMembersCnt>
      <IndependentVotingMemberCnt>12</IndependentVotingMemberCnt>
      <FamilyOrBusinessRlnInd>false</FamilyOrBusinessRlnInd>
      <DelegationOfMgmtDutiesInd>false</DelegationOfMgmtDutiesInd>
      <ChangeToOrgDocumentsInd>false</ChangeToOrgDocumentsInd>
      <MaterialDiversionOrMisuseInd>false</MaterialDiversionOrMisuseInd>
      <MembersOrStockholdersInd>false</MembersOrStockholdersInd>
      <ElectionOfBoardMembersInd>false</ElectionOfBoardMembersInd>
      <DecisionsSubjectToApprovaInd>false</DecisionsSubjectToApprovaInd>
      <MinutesOfGoverningBodyInd>true</MinutesOfGoverningBodyInd>
      <MinutesOfCommitteesInd>true</MinutesOfCommitteesInd>
      <OfficerMailingAddressInd>false</OfficerMailingAddressInd>
      <LocalChaptersInd>false</LocalChaptersInd>
      <Form990ProvidedToGvrnBodyInd>true</Form990ProvidedToGvrnBodyInd>
      <ConflictOfInterestPolicyInd>true</ConflictOfInterestPolicyInd>
      <AnnualDisclosureCoveredPrsnInd>true</AnnualDisclosureCoveredPrsnInd>
      <RegularMonitoringEnfrcInd>true</RegularMonitoringEnfrcInd>
      <WhistleblowerPolicyInd>true</WhistleblowerPolicyInd>
      <DocumentRetentionPolicyInd>true</DocumentRetentionPolicyInd>
      <CompensationProcessCEOInd>true</CompensationProcessCEOInd>
      <CompensationProcessOtherInd>false</CompensationProcessOtherInd>
      <InvestmentInJointVentureInd>false</InvestmentInJointVentureInd>
      <StatesWhereCopyOfReturnIsFldCd>OH</StatesWhereCopyOfReturnIsFldCd>
      <UponRequestInd>X</UponRequestInd>
      <BooksInCareOfDetail>
        <PersonNm>NOLAN MURRAY</PersonNm>
        <PhoneNum>4196217818</PhoneNum>
        <USAddress>
          <AddressLine1Txt>7602 MILAN RD</AddressLine1Txt>
          <CityNm>SANDUSKY</CityNm>
          <StateAbbreviationCd>OH</StateAbbreviationCd>
          <ZIPCd>44870</ZIPCd>
        </USAddress>
      </BooksInCareOfDetail>
      <Form990PartVIISectionAGrp>
        <PersonNm>RYAN HODGES</PersonNm>
        <TitleTxt>EXECUTIVE DI</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>61385</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>TRUDY ANDERSON</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.50</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KAYSHON BATES</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.20</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>DAVE BROWN</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.20</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KENDRA CLARK</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.20</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>BRANDON DINGUS</PersonNm>
        <TitleTxt>VICE PRESIDE</TitleTxt>
        <AverageHoursPerWeekRt>0.40</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>STEVE FRANKFATHER</PersonNm>
        <TitleTxt>SECRETARY</TitleTxt>
        <AverageHoursPerWeekRt>0.30</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>STEVEN GRASL</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.20</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>SHARON HARWOOD</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.10</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>PETER MCGORY</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.10</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>NOLAN MURRAY</PersonNm>
        <TitleTxt>TREASURER</TitleTxt>
        <AverageHoursPerWeekRt>0.40</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>GREGG PEUGEOT</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>0.03</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>BOB RODY</PersonNm>
        <TitleTxt>PRESIDENT</TitleTxt>
        <AverageHoursPerWeekRt>10.40</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>61385</TotalReportableCompFromOrgAmt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <GovernmentGrantsAmt>369395</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>513493</AllOtherContributionsAmt>
      <NoncashContributionsAmt>26116</NoncashContributionsAmt>
      <TotalContributionsAmt>882888</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>RE-STORE INCOME</Desc>
        <BusinessCd>453310</BusinessCd>
        <TotalRevenueColumnAmt>355899</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>355899</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SALE OF HOMES TO PART FAMILIE</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>292800</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>292800</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE DISCOUNT AMORTIZATIO</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>119668</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>119668</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>768367</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>16334</TotalRevenueColumnAmt>
        <ExclusionAmt>16334</ExclusionAmt>
      </InvestmentIncomeGrp>
      <OtherRevenueMiscGrp>
        <Desc>OTHER INCOME</Desc>
        <TotalRevenueColumnAmt>9175</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>9175</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>9175</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1676764</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>777542</RelatedOrExemptFuncIncomeAmt>
        <ExclusionAmt>16334</ExclusionAmt>
      </TotalRevenueGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>63250</TotalAmt>
        <ProgramServicesAmt>50600</ProgramServicesAmt>
        <ManagementAndGeneralAmt>9487</ManagementAndGeneralAmt>
        <FundraisingAmt>3163</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>246378</TotalAmt>
        <ProgramServicesAmt>218327</ProgramServicesAmt>
        <ManagementAndGeneralAmt>26330</ManagementAndGeneralAmt>
        <FundraisingAmt>1721</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <PayrollTaxesGrp>
        <TotalAmt>26094</TotalAmt>
        <ProgramServicesAmt>22179</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3393</ManagementAndGeneralAmt>
        <FundraisingAmt>522</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>28960</TotalAmt>
        <ProgramServicesAmt>26063</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2897</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <AdvertisingGrp>
        <TotalAmt>14569</TotalAmt>
        <ProgramServicesAmt>12571</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1998</ManagementAndGeneralAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>17938</TotalAmt>
        <ProgramServicesAmt>15941</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1669</ManagementAndGeneralAmt>
        <FundraisingAmt>328</FundraisingAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>14529</TotalAmt>
        <ProgramServicesAmt>9455</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4316</ManagementAndGeneralAmt>
        <FundraisingAmt>758</FundraisingAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>24738</TotalAmt>
        <ProgramServicesAmt>19791</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4947</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>366</TotalAmt>
        <ProgramServicesAmt>305</ProgramServicesAmt>
        <ManagementAndGeneralAmt>46</ManagementAndGeneralAmt>
        <FundraisingAmt>15</FundraisingAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>9022</TotalAmt>
        <ProgramServicesAmt>7218</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1804</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>23234</TotalAmt>
        <ProgramServicesAmt>20911</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2323</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>22524</TotalAmt>
        <ProgramServicesAmt>17343</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5181</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>CONSTRUCTION COSTS</Desc>
        <TotalAmt>340207</TotalAmt>
        <ProgramServicesAmt>340207</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>DISCOUNT ON ISSUED MORTGA</Desc>
        <TotalAmt>155084</TotalAmt>
        <ProgramServicesAmt>155084</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>RESTORE REPAIRS &amp; MAINTEN</Desc>
        <TotalAmt>18488</TotalAmt>
        <ProgramServicesAmt>18488</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>TITHE TO HFHI</Desc>
        <TotalAmt>12996</TotalAmt>
        <ProgramServicesAmt>12996</ProgramServicesAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>100091</TotalAmt>
        <ProgramServicesAmt>82589</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3210</ManagementAndGeneralAmt>
        <FundraisingAmt>14292</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>1118468</TotalAmt>
        <ProgramServicesAmt>1030068</ProgramServicesAmt>
        <ManagementAndGeneralAmt>67601</ManagementAndGeneralAmt>
        <FundraisingAmt>20799</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>304928</BOYAmt>
        <EOYAmt>573481</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>101370</BOYAmt>
        <EOYAmt>253246</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>11367</BOYAmt>
        <EOYAmt>8813</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>5470</BOYAmt>
        <EOYAmt>6004</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>1017021</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>296837</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>710255</BOYAmt>
        <EOYAmt>720184</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>1700294</BOYAmt>
        <EOYAmt>1753466</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>2833684</BOYAmt>
        <EOYAmt>3315194</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>30139</BOYAmt>
        <EOYAmt>23241</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <EscrowAccountLiabilityGrp>
        <BOYAmt>64974</BOYAmt>
        <EOYAmt>13031</EOYAmt>
      </EscrowAccountLiabilityGrp>
      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>218166</BOYAmt>
        <EOYAmt>198332</EOYAmt>
      </MortgNotesPyblScrdInvstPropGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>313279</BOYAmt>
        <EOYAmt>234604</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>2294273</BOYAmt>
        <EOYAmt>2772780</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>226132</BOYAmt>
        <EOYAmt>307810</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>2520405</BOYAmt>
        <EOYAmt>3080590</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>2833684</BOYAmt>
        <EOYAmt>3315194</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>558296</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>1889</NetUnrlzdGainsLossesInvstAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc8">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>287135</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>276142</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>256680</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>471138</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>882888</CurrentTaxYearAmt>
        <TotalAmt>2173983</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>287135</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>276142</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>256680</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>471138</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>882888</CurrentTaxYearAmt>
        <TotalAmt>2173983</TotalAmt>
      </TotalCalendarYear170Grp>
      <PublicSupportTotal170Amt>2173983</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>12</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>7</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>23</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>3033</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>16334</CurrentTaxYearAmt>
        <TotalAmt>19409</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>21225</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>5569</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>4396</CurrentTaxYearMinus2YearsAmt>
        <TotalAmt>31190</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>2224582</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>3917522</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.97730</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.97310</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART II, LINE 10</FormAndLineReferenceDesc>
        <ExplanationTxt>OTHER INCOME 31,190</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc5">
      <AgentTrusteeEtcInd>true</AgentTrusteeEtcInd>
      <BeginningBalanceAmt>64972</BeginningBalanceAmt>
      <AdditionsDuringYearAmt>209745</AdditionsDuringYearAmt>
      <DistributionsDuringYearAmt>261689</DistributionsDuringYearAmt>
      <EndingBalanceAmt>13028</EndingBalanceAmt>
      <InclEscrowCustodialAcctLiabInd>true</InclEscrowCustodialAcctLiabInd>
      <ExplanationProvidedInd>X</ExplanationProvidedInd>
      <CYEndwmtFundGrp>
        <BeginningYearBalanceAmt>30157</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>3727</InvestmentEarningsOrLossesAmt>
        <OtherExpendituresAmt>1196</OtherExpendituresAmt>
        <AdministrativeExpensesAmt>642</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>32046</EndYearBalanceAmt>
      </CYEndwmtFundGrp>
      <CYMinus1YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>28845</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>3161</InvestmentEarningsOrLossesAmt>
        <OtherExpendituresAmt>1245</OtherExpendituresAmt>
        <AdministrativeExpensesAmt>604</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>30157</EndYearBalanceAmt>
      </CYMinus1YrEndwmtFundGrp>
      <CYMinus2YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>28318</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>2410</InvestmentEarningsOrLossesAmt>
        <OtherExpendituresAmt>1282</OtherExpendituresAmt>
        <AdministrativeExpensesAmt>601</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>28845</EndYearBalanceAmt>
      </CYMinus2YrEndwmtFundGrp>
      <CYMinus3YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>34086</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>-3744</InvestmentEarningsOrLossesAmt>
        <OtherExpendituresAmt>1328</OtherExpendituresAmt>
        <AdministrativeExpensesAmt>696</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>28318</EndYearBalanceAmt>
      </CYMinus3YrEndwmtFundGrp>
      <CYMinus4YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>29265</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>7333</InvestmentEarningsOrLossesAmt>
        <OtherExpendituresAmt>1858</OtherExpendituresAmt>
        <AdministrativeExpensesAmt>654</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>34086</EndYearBalanceAmt>
      </CYMinus4YrEndwmtFundGrp>
      <PrmnntEndowmentBalanceEOYPct>1.00000</PrmnntEndowmentBalanceEOYPct>
      <EndowmentsHeldUnrelatedOrgInd>true</EndowmentsHeldUnrelatedOrgInd>
      <EndowmentsHeldRelatedOrgInd>false</EndowmentsHeldRelatedOrgInd>
      <LandGrp>
        <OtherCostOrOtherBasisAmt>208000</OtherCostOrOtherBasisAmt>
        <BookValueAmt>208000</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>728563</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>229464</DepreciationAmt>
        <BookValueAmt>499099</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>80458</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>67373</DepreciationAmt>
        <BookValueAmt>13085</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>720184</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>MORTGAGE LOANS RECEIVABLE</Desc>
        <BookValueAmt>3333326</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>LAND FOR DEVELOPMENT</Desc>
        <BookValueAmt>126138</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>CONSTRUCTION OF HOMES IN PROGRESS</Desc>
        <BookValueAmt>109375</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>ERIE COUNTY COMMUNITY FOUNDATION</Desc>
        <BookValueAmt>32046</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>HOME REPAIRS</Desc>
        <BookValueAmt>2726</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>UNAMORTIZED DISCOUNT ON MORTGAGES</Desc>
        <BookValueAmt>-1850145</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>1753466</TotalBookValueOtherAssetsAmt>
      <TotalRevEtcAuditedFinclStmtAmt>1678709</TotalRevEtcAuditedFinclStmtAmt>
      <NetUnrealizedGainsInvstAmt>1945</NetUnrealizedGainsInvstAmt>
      <RevenueNotReportedAmt>1945</RevenueNotReportedAmt>
      <RevenueSubtotalAmt>1676764</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>1676764</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>1118468</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>1118468</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>1118468</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 2, PART IV, LINE 1B</FormAndLineReferenceDesc>
        <ExplanationTxt>OUR FINANCIAL INSTITUTIONAL ACCOUNT FOR DEPOSITS OF ESCROWED AND CUSTODIAL FUNDS ARE KEPT SEPARATELY FROM GENERAL OPERATING FUNDS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 2, PART IV, LINE 2B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION REQUIRES MORTGAGERS/PARTNER FAMILIES TO REMIT MONTHLY PAYMENTS TO COVER FUTURE PAYMENTS OF REAL ESTATE TAXES AND INSURANCE. THE ORGANIZATION HAS AN ESCROW ACCOUNT AT A FINANCIAL INSTITUTION WHERE IT HOLDS MONIES COLLECTED FROM MORTGAGERS UNTIL USED TO PAY EACH MORTGAGERS INSURANCE AND REAL ESTATE TAXES.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleM documentId="RetDoc6">
      <OtherNonCashContriTableGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <ContributionCnt>1</ContributionCnt>
        <NoncashContributionsRptF990Amt>26116</NoncashContributionsRptF990Amt>
      </OtherNonCashContriTableGrp>
      <AnyPropertyThatMustBeHeldInd>false</AnyPropertyThatMustBeHeldInd>
      <ReviewProcessUnusualNCGiftsInd>false</ReviewProcessUnusualNCGiftsInd>
      <ThirdPartiesUsedInd>false</ThirdPartiesUsedInd>
    </IRS990ScheduleM>
    <IRS990ScheduleO documentId="RetDoc7">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>A COPY OF THE 990 IS REVIEWED BY THE EXECUTIVE DIRECTOR PRIOR TO FILING. THE BOARD IS PROVIDED A COPY AFTER FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL BOARD MEMBERS AND KEY EMPLOYEES ARE REQUIRED TO ANNUALLY DISCLOSE IN WRITING ANY CONFLICTS OF INTEREST THAT MAY HAVE THE BOARD OFFICERS REVIEW THE CONFLICTS OF INTEREST IDENTIFIED AND DETERMINE THE ACTIONS TO BE TAKEN TO MITIGATE THE CONFLICTS OF INTEREST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE COMPENSATION OF THE EXECUTIVE DIRECTOR AND ALL EMPLOYEES IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THESE DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>