2026-04-10T06:37:48-04:00 2025-06-30 990 2024-07-01 135562161 AMERICAN FOUNDATION FOR THE BLIND INC AMER 2125027600 2900 S QUINCY ST STE 200 ARLINGTON VA 22206 PATSY CARVACHE VICE PRESIDENT FINANCE & BUSINESS 3047103022 2026-04-10 2024 2025-03-06 01:10:19Z ERIC BRIDGES 2900 S QUINCY ST STE 200 ARLINGTON VA 22206 24550701 false X WWW.AFB.ORG X 1921 NY CREATE EQUAL OPPORTUNITIES & EXPAND POSSIBILITIES THRU ADVOCACY THOUGHT LEADERSHIP PARTNERSHIPS. 19 19 49 52 0 0 8195254 7986903 146336 232095 1293165 1573525 -25503 -21391 9609252 9771132 107500 105100 0 0 3995197 4315346 260614 65591 847535 1353699 1515234 5717010 6001271 3892242 3769861 35114433 40853071 1018552 1071769 34095881 39781302 THE MISSION OF THE AMERICAN FOUNDATION FOR THE BLIND AFB IS TO CREATE EQUAL OPPORTUNITIES AND EXPAND POSSIBILITIES THROUGH ADVOCACY THOUGHT LEADERSHIP AND STRATEGIC PARTNERSHIPS. false false 1430245 29500 137149 EDUCATION AND TRAINING - FOR 25 YEARS ACCESSWORLD HAS SERVED AS A VITAL SOURCE FOR CONSUMERS AND DEVELOPERS ON VALUABLE INSIGHT AND INFORMATION ENCOMPASSING ACCESSIBLE TECHNOLOGY FOR PEOPLE WHO ARE BLIND OR HAVE LOW VISION. THE FREE QUARTERLY ONLINE MAGAZINE AND MONTHLY PODCAST PUBLISHES RELEVANT CONTENT AT THE INTERSECTION OF DISABILITY AND TECHNOLOGY WITH THE AIM TO MAKE THE WORLD MORE ACCESSIBLE FOR ALL. THE AFB TALENT LAB CONTINUED TO PROVIDE ACCESSIBILITY CONSULTING SERVICES TO ENTITIES RANGING FROM NONPROFIT ORGANIZATIONS TO FORTUNE 500 COMPANIES WITH SERVICES RANGING FROM WEB AND MOBILE ACCESSIBILITY AUDITS REMEDIATION ADVISORY BEST PRACTICES AND TRAINING IN DISABILITY INCLUSION. THE AFB TALENT LAB ALSO CONTINUED TO CLOSE THE INDUSTRYWIDE ACCESSIBILITY SKILLS GAP BY TRAINING PEOPLE WITH DISABILITIES THROUGH A REGISTERED APPRENTICESHIP IN PROJECT MANAGEMENT WITH AN ACCESSIBILITY AND DIGITAL INCLUSION SPECIALTY. ADDITIONALLY THE AFB TALENT LAB WORKED WITH COMDPUTER SCIENCE STUDENTS ACROSS THE COUNTRY THROUGH A MULTI-PHASED STUDENT INTERNSHIP PROGRAM IN DIGITAL INCLUSION. 1457195 40000 82020 KNOWLEDGE BUILDING & INFORMATION DISSEMINATION - THROUGH RESEARCH AND DATA WE UNDERSTAND COMPLEX PROBLEMS AND IDENTIFY APPROPRIATE SOLUTIONS. PRIORITIZING A CONSUMER-CENTERED APPROACH WITH SCALABLE IMPACT AFB IS PURSUING AND CATALYZING FORWARD-LOOKING KNOWLEDGE GENERATION ON KEY ISSUES FACING PEOPLE WHO ARE BLIND OR HAVE LOW VISION BY FOSTERING COLLABORATIONS WITH INSTITUTIONS OF HIGHER EDUCATION AND OTHER RESEARCH ORGANIZATIONS AND BY CONDUCTING INDEPENDENT RESEARCH. PRIORITY ISSUE AREAS MAY INCLUDE BUT ARE NOT LIMITED TO POLICY RESEARCH AND APPLIED RESEARCH IN EDUCATION; MEANINGFUL EMPLOYMENT AND SOCIAL AND ECONOMIC MOBILITY; REHABILITATION SERVICES; AGING AND VISION LOSS; DEMOGRAPHIC TRENDS; AND TECHNOLOGY. IN FY2025 AFB PUBLISHED A WHITE PAPER HIGHLIGHTING FINDINGS FROM AN EXPERT CONSENSUS STUDY ON HOW AI IS LIKELY TO IMPACT THE LIVES OF PEOPLE WITH DISABILITIES. THE WHITE PAPER INCLUDED A SET OF GUIDING PRINCIPLES FOR MORE DISABILITY-INCLUSIVE AI. WE BEGAN DESIGNING A SURVEY ASSESSING HOW AMERICANS WITH AND WITHOUT DISABILITIES ARE USING AI AND HOW AI IS IMPACTING THEIR LIVES. FINALLY WE HOSTED THREE RESEARCH WEBINARS TO EDUCATE PEOPLE ABOUT OUR RESEARCH AND HOW THEY CAN APPLY IT IN ADVOCACY AND TECHNOLOGY DEVELOPMENT. 1199929 0 70418 RESEARCH ADVOCACY AND PUBLIC SUPPORT - AFB IS WORKING TO ENSURE THAT POLICYMAKERS BUSINESS LEADERS PROFESSIONAL COMMUNITIES AND PUBLIC INTEREST ADVOCATES UNDERSTAND THE KEY TRENDS CHALLENGES AND OPPORTUNITIES FACING PEOPLE WHO ARE BLIND OR HAVE LOW VISION FOR THE PURPOSES OF CHANGING ATTITUDES AND TRANSFORMING INSTITUTIONAL PRACTICE. THE AFB PUBLIC POLICY AND RESEARCH INSTITUTE PPRI COLLABORATES WITH POLICYMAKERS IN CONGRESS AND THE EXECUTIVE BRANCH AS WELL AS CORPORATE PARTNERS TO ENSURE AMERICANS WHO ARE BLIND OR HAVE LOW VISION HAVE EQUAL RIGHTS AND OPPORTUNITIES TO FULLY PARTICIPATE IN SOCIETY. AFBS ADVOCACY STRATEGY IS BACKED BY RESEARCHERS AND EXPERTS WITH PROFESSIONAL AND PERSONAL LIVED EXPERIENCE WITH BLINDNESS. IN FY 2025 AFB FOCUSED ON ADVOCACY TO MAKE TECHNOLOGY AND TRANSPORTATION MORE ACCESSIBLE AND USABLE. WORKING CLOSELY WITH COALITION PARTNERS IN THE TRANSPORTATION SPACE PPRI RAISED CONCERNS ABOUT AUTONOMOUS VEHICLE ACCESSIBILITY AND PEDESTRIAN ACCESS AND PARTICIPATED IN EFFORTS TO PRODUCE ACCESSIBLE GUIDELINES AND DATA COLLECTION. PPRI CONTINUED TO ADVOCATE FOR TECHNOLOGY AND DIGITAL COMMUNICATIONS ACCESSIBILITY THROUGH LEGISLATION AND RESPONDING TO FEDERAL RULEMAKING. PPRI ALSO SHARED PRINCIPLES ON INCLUSIVE ARTIFICIAL INTELLIGENCE WITH POLICYMAKERS AND TECH COMPANIES. AFBS RESEARCH ON WEB AND APPLICATION ACCESSIBILITY ARTIFICIAL INTELLIGENCE AND EXPERIENCES DURING THE PANDEMIC CONTINUED TO INFORM AFBS ADVOCACY PRIORITIES. AFBS JOURNAL OF VISUAL IMPAIRMENT & BLINDNESS JVIB THE INTERNATIONAL PEER-REVIEWED JOURNAL OF RECORD IN THE BLINDNESS FIELD WHICH HAS BEEN IN CONTINUOUS PUBLICATION SINCE 1907 DELIVERS PEER-REVIEWED RESEARCH AND PEER-REVIEWED BEST PRACTICE INFORMATION AND ANALYSIS. THE JOURNAL ALSO FEATURES LETTERS TO THE EDITOR AND COMMENTARIES FROM AUTHORITATIVE EXPERTS ON CRITICAL TOPICS AS WELL AS BOOK REVIEWS OF CURRENT TITLES OF INTEREST TO THE BLINDNESS FIELD. IN 2025 VOLUME 119 THE FINAL ISSUE OF THE YEAR FEATURED PART ONE OF A TWO-PART SPECIAL ISSUE ON ADVANCEMENTS AND INNOVATIONS IN TECHNOLOGY FOR INDIVIDUALS WITH VISUAL IMPAIRMENTS.THE PUBLISHED ISSUE INCLUDED NUMEROUS PEER-REVIEWED RESEARCH ARTICLES AND PRACTICE PIECES FROM UNITED STATES AND AROUND THE WORLD AS WELL AS BOOK REVIEWS AND COMMENTARIES FROM EXPERTS IN THE FIELD INCLUDING INDIVIDUALS WHO ARE BLIND OR HAVE LOW VISION. THE ISSUE WAS GUEST EDITED BY STACY M. KELLY ED.D. TVI COMS CATIS PROFESSOR NORTHERN ILLINOIS UNIVERSITY. 0 0 0 4087369 true true false true false false false false false true true false false false true true false true false false false false false true true false false true true true false false false false false false false false true true false false true true true true false false true 56 0 true 49 true false false false false false true true false 0 false false false false false 19 19 false false false false false false false true true false false true true true true true true true true false AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY X X PATSY CARVACHE 3047103022 1108 THIRD AVENUE SUITE 200 HUNTINGTON WV 25701 ERIC BRIDGES PRESIDENT AND CHIEF EXECUTIVE OFFICER 35.00 1.00 X 257322 0 59628 SONYA SHIFLET CHIEF OPERATING OFFICER 35.00 0.00 X 209103 0 65638 MATTHEW JANUSAUSKAS CHIEF TECHNOLOGY AND PROGRAMS OFFICER 35.00 0.00 X 198370 0 52747 STEPHANIE ENYART CHIEF PUBLIC POLICY AND RESEARCH OFFICER 35.00 0.00 X 197720 0 42727 PATSY CARVACHE VP FINANCE AND BUSINESS SERVICES 35.00 1.00 X 160396 0 48665 ANTHONY STEPHENS ASSISTANT VP COMMUNICATIONS 35.00 0.00 X 127775 0 33518 RONAK PATEL DIRECTOR DIGITAL INCLUSION INNOVATION 35.00 0.00 X 132553 0 6605 DR ARIELLE SILVERMAN DIRECTOR OF RESEARCH 35.00 0.00 X 117863 0 17550 PAMELA MCGONIGLE CHIEF DEVELOPMENT OFFICER 35.00 0.00 X 45875 0 0 JOHN LILLY DIRECTOR DIGITAL INCLUSION INNOVATION 35.00 0.00 X 12132 0 622 SARAH HERRLINGER TRUSTEE - VICE CHAIR 1.00 1.00 X X 0 0 0 MELISSA WEISSE TRUSTEE - VICE CHAIR 1.00 0.00 X X 0 0 0 JON CHESSHIRE TRUSTEE - TREASURER 1.00 1.00 X X 0 0 0 KATIE FREDERICK TRUSTEE 1.00 0.00 X X 0 0 0 TONY COELHO TRUSTEE 1.00 0.00 X X 0 0 0 JAMIE DEAN TRUSTEE 1.00 0.00 X X 0 0 0 DIANE FAZZI TRUSTEE 1.00 1.00 X X 0 0 0 LOUIS FOX TRUSTEE 1.00 0.00 X X 0 0 0 THEODORE FRANCAVILLA TRUSTEE 1.00 0.00 X X 0 0 0 SHARON GIOVINAZZO TRUSTEE - THROUGH MARCH 2025 1.00 0.00 X X 0 0 0 JAMES HANDS TRUSTEE 1.00 0.00 X X 0 0 0 MELANIE LOCKWOOD HERMAN TRUSTEE 1.00 1.00 X X 0 0 0 KIRAN KAJA TRUSTEE 1.00 1.00 X X 0 0 0 DAN KELLY TRUSTEE 1.00 0.00 X X 0 0 0 MACY LAMB TRUSTEE 1.00 0.00 X X 0 0 0 JANNI LEHRER STEIN TRUSTEE 1.00 0.00 X X 0 0 0 MATTHEW SHERWOOD TRUSTEE 1.00 0.00 X X 0 0 0 HARSHIL VED TRUSTEE 1.00 1.00 X X 0 0 0 VICTORIA WATTS TRUSTEE 1.00 0.00 X X 0 0 0 1459109 0 327700 8 true true false SUSAN SCHAEFER DBA RESOURCE PARTNERS LLC 5515 HOOVER STREET BETHESDA MD 20817 INTERIM FUNDRAISING LEADERSHIP 106400 1 0 0 187770 270000 0 7529133 36969 7986903 FEES FOR SERVICES 900099 232095 232095 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 232095 1180585 0 0 1180585 0 0 0 0 32691 0 0 32691 0 0 0 0 0 0 0 0 0 0 15046340 15000 14668400 0 377940 15000 392940 0 0 392940 16266 187770 111169 -94903 0 -94903 0 0 0 0 0 0 0 0 0 0 0 0 ARCHIVE PERMISSION LIBRARY 511140 1175 1175 0 0 REGISTRATION FEES INCOME 900099 53454 53454 0 0 GAIN LOSS ON RETIREMENT PLAN 900099 -16971 0 0 -16971 3163 2863 0 300 40821 9771132 289587 0 1494642 69500 69500 35600 35600 0 0 0 0 1584598 861087 504315 219196 0 0 0 0 2022738 1638145 172665 211928 16598 11956 0 4642 440338 355404 41244 43690 251074 178866 43184 29024 0 0 0 0 18273 9285 5533 3455 34711 0 34711 0 0 0 0 0 65591 65591 77792 0 77792 0 348231 224494 61274 62463 10013 5049 228 4736 37633 21368 3807 12458 162233 92389 46602 23242 0 0 0 0 63309 46330 12256 4723 175681 107336 42406 25939 0 0 0 0 264000 249343 1042 13615 22141 17671 93 4377 0 0 0 0 42969 26890 16079 0 82558 60229 15778 6551 BAD DEBT -21592 0 -21592 0 BOOKS & SUBSCRIPTIONS 15875 9520 4439 1916 MEMBERSHIPS 10953 8742 46 2165 STATE LICENSING FEES 16619 13263 70 3286 153835 44902 4395 104538 6001271 4087369 1066367 847535 0 0 0 0 536103 2241225 55034 55852 165388 94658 118419 78857 0 0 0 0 0 0 0 0 191746 218563 351792 335347 59412 16445 32313532 36411868 1135089 1146441 0 0 0 0 539710 589162 35114433 40853071 425110 382380 0 0 137974 180547 0 0 0 0 0 0 0 0 0 0 455468 508842 1018552 1071769 X 13813948 18241909 20281933 21539393 34095881 39781302 35114433 40853071 3769861 1915103 0 0 0 457 X false true X true false X 7451593 14304349 8208065 8195254 7986903 46146164 0 0 0 0 0 0 0 0 0 0 0 0 7451593 14304349 8208065 8195254 7986903 46146164 14335185 31810979 417165 487765 763109 1110648 1213276 3991963 0 0 0 0 0 0 13540 275153 60694 3667 57792 410846 50548973 2141923 0.6293 0.6698 X Part II - Line 10 | Year:, Amount:, Description:| 2020, 13540, Registration Fees -$900 Miscellaneous Income $14,170 Archive Permission Library $270| 2021, 275153Registration Fees $64,832 Miscellaneous Income $18,439 Archive Permission Library $191,882| 2022, 60694Registration Fees $48,253 Miscellaneous Income $8,941 Archive Permission Library $3,500| 2023, 3667Miscellaneous Income $1,787 Archive Permission Library $1,880| 2024, 57792Registration Fees $53,454 Miscellaneous Income $3,163 Archive Permission Library $1,175| RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 573 33926 0 34499 0 5901181 0 5935680 0 446784 0 111696 0 0 0 0 0 792939 668460 422820 446784 2331003 3496505 101455 65928 59661 34499 261543 198235 167115 105705 111696 582751 874127 16135 820 733 573 18261 17282470 1043588 1489452 0 1297035 0 18518475 15719067 1413500 1069449 0 919546 0 17282470 12905000 2423000 977000 4000 583000 0 15718000 8103000 6747000 -970000 136000 839000 0 12905000 7701549 358000 1015000 288000 683549 0 8103000 0.056 0.7513 0.1928 false false 150 150 249940 233645 16295 101702 101702 0 16445 0 DUE TO RELATED PARTIES 508842 508842 X Part X, line 2 THE ORGANIZATION FOLLOWS THE AUTHORITATIVE GUIDANCE RELATING TO ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES INCLUDED IN ASC 740-10 INCOME TAXES. THESE PROVISIONS PROVIDE CONSISTENT GUIDANCE FOR THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN AN ENTITYS FINANCIAL STATEMENTS PRESCRIBE A THRESHOLD OF MORE LIKELY THAN NOT FOR RECOGNITION & DERECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. IT IS THE ORGANIZATIONS POLICY TO RECOGNIZE INTEREST AND OR PENALTIES RELATED TO UNCERTAIN TAX POSITIONS IF ANY IN INCOME TAX EXPENSES. THE ORGANIZATION PERFORMED AN EVALUATION OF UNCERTAIN TAX POSITIONS FOR THE YEAR ENDED JUNE 30 2025 & DETERMINED THAT THERE WERE NO MATTERS THAT WOULD REQUIRE RECOGNITION IN THE FINANCIAL STATEMENTS OR THAT MAY HAVE ANY EFFECT ON ITS TAX-EXEMPT STATUS. THE STATUTE OF LIMITATIONS GENERALLY REMAINS OPEN FOR 3 TAX YEARS WITH THE U.S. FEDERAL JURIS. OR THE VARIOUS STATES & LOCAL JURIS. WHICH THE ORGANIZATION FILES TAX RETURNS. Part V, line 4 THE INTENDED USE OF THE EARNINGS FROM ENDOWMENT FUNDS IS TO CARRY OUT AFBS MISSION OF EXPANDING POSSIBILITIES FOR PEOPLE WITH VISION LOSS. WITHIN THE RESTRICTIONS PLACED ON AFB BY THE DONOR OF EACH ENDOWMENT. X X X X X X true SUSAN SCHAEFER DBA RESOURCE PARTNERS LLC 5515 HOOVER STREET BETHESDA MD 20817 INTERIM FUNDRAISING LEADERSHIP false 0 52000 -52000 AMY LYNN SMITH 2071 PEMBROKE ROAD BIRMINGHAM MI 48009 GRANT WRITING false 0 13591 -13591 0 65591 -65591 GALA 204036 187770 16266 0 0 5777 20318 300 84774 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 204036 187770 16266 0 0 5777 20318 300 84774 111169 -94903 true ENVISION DALLAS LIGHTHOUSE FOUNDATION 4306 CAPITOL AVENUE DALLAS TX 75204 831105720 501(c)(3) 40000 0 - - PROGRAM SUPPORT AMERICAN COUNCIL OF THE BLIND 6200 SHINGLE CREEK PWY SUITE 155 BROOKLYN CENTER MN 55430 580914436 501(c)(3) 29500 0 - - COLLEGE SCHOLARSHIPS 2 0 DIGITAL ACCESSIBILITY TRAINING AWARDS 18 35600 0 - - Part I Line 2 AFB REQUIRES ALL GRANTEES TO SUBMIT PERIODIC FINANCIAL AND PROGRAMMATIC REPORTS DETAILING THE USE OF GRANT FUNDS AND PROGRESS TOWARD STATED OBJECTIVES. THESE REPORTS ARE REVIEWED TO ENSURE COMPLIANCE WITH THE TERMS OF THE GRANT AGREEMENT. X X X false false false false false false false false false ERIC BRIDGES PRESIDENT AND CHIEF EXECUTIVE OFFICER 257322 0 0 0 0 0 34625 0 25003 0 316950 0 0 0 SONYA SHIFLET CHIEF OPERATING OFFICER 209103 0 0 0 0 0 51851 0 13787 0 274741 0 0 0 MATTHEW JANUSAUSKAS CHIEF TECHNOLOGY AND PROGRAMS OFFICER 198370 0 0 0 0 0 43008 0 9739 0 251117 0 0 0 STEPHANIE ENYART CHIEF PUBLIC POLICY AND RESEARCH OFFICER 197720 0 0 0 0 0 42727 0 0 0 240447 0 0 0 PATSY CARVACHE VP FINANCE AND BUSINESS SERVICES 160396 0 0 0 0 0 34000 0 14665 0 209061 0 0 0 ANTHONY STEPHENS ASSISTANT VP COMMUNICATIONS 127775 0 0 0 0 0 14173 0 19345 0 161293 0 0 0 JOHN LILLY DIRECTOR DIGITAL INCLUSION INNOVATION 12132 0 0 0 0 0 622 0 0 0 12754 0 0 0 X 5 26608 FMV X EVENT AUCTION ITEMS 4 10361 FMV 0 false true false Part I and II | PartandLinenumber:,Explanation:| Part I General,THE TOTAL IN COLUMN B REPRESENTS THE TOTAL NUMBER OF CONTRIBUTIONS RECEIVED.| Part VI, Line 11a A DRAFT OF THE FORM 990 IS PROVIDED TO THE AUDIT COMMITTEE AND ANY OTHER TRUSTEES WHO WISH TO REVIEW IT PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE. ALL SUGGESTED CORRECTIONS AND REVISIONS ARE MADE TO THE FORM 990 AND A FINAL VERSION IS MADE AVAILABLE TO THE AFOREMENTIONED GROUP. Part VI, Line 12c IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICTS OF INTEREST AN OFFICER TRUSTEE OR EMPLOYEE MUST DISCLOSE THE EXISTENCE OF HIS OR HER FINANCIAL INTERESTS IN THE ORGANIZATION INCLUDING BUSINESS AND FAMILY RELATIONSHIPS IN THE ORGANIZATION. EACH OFFICER TRUSTEE OF EMPLOYEE IS REQUIRED TO COMPLETE A CONFLICT-OF INTEREST DISCLOSURE QUESTIONNAIRE ON AN ANNUAL BASIS. ANY POSSIBLE DISCLOSED FINANCIAL INTEREST OR BUSINESS AND FAMILY RELATIONSHIPS IS REVIEWED BY THE DESIGNATED OFFICER TO DETERMINE IF A CONFLICT OF INTEREST EXISTS. ANY POTENTIAL OR APPARENT CONFLICTS OF INTEREST SHALL BE DISCLOSED AS SOON AS THEY BECOME EVIDENT AND THAT THE INTERESTED PERSON REFRAIN FROM ANY ACTION THAT MIGHT CONSTITUTE A VIOLATION OF THE POLICY STATEMENT. NOTE THAT A FINANCIAL INTEREST OR BUSINESS AND FAMILY RELATIONSHIP DOES NOT NECESSARILY CONSTITUTE A CONFLICT OF INTEREST. THE PERSON DISCLOSING THE FINANCIAL INTEREST OR EXISTING BUSINESS AND FAMILY RELATIONSHIPS SHALL NOT PARTICIPATE IN ANY REVIEW DISCUSSION OR FINAL ACTION ON A PROPOSAL THAT MAY BENEFIT THEMSELVES OR AN ORGANIZATION IN WHICH THEY ARE OTHERWISE INTERESTED. ANY SAID MEMBER SHALL RECUSE THEMSELVES FROM THE MEETING AND FROM ANY VOTE OR DETERMINATION. Part VI, Line 15 THE COMPENSATION BOARD OF TRUSTEES COMMITTEE REVIEWS THE COMPENSATION OF THE PRESIDENT AND CEO. FOLLOWING THE CLOSE OF THE YEAR THE COMPENSATION COMMITTEE REVIEWS THE RESULTS TO DETERMINE THE OVERALL LEVEL OF PERFORMANCE. A THIRD-PARTY COMPENSATION CONSULTANT IS ENGAGED TO REVIEW MARKET COMPENSATION FOR THE CEO AND KEY MANAGEMENT EMPLOYEES. THE COMPENSATION COMMITTEE PROPOSES CHANGES IN COMPENSATION FOR THE CEO BASED ON PERFORMANCE OUTCOMES TO THE BOARD CHAIR FOR APPROVAL BY THE EXECUTIVE COMMITTEE. ANY INCREASES IN COMPENSATION FOR KEY MANAGEMENT STAFF ARE PROPOSED BY THE CEO. THE PROCESS WAS LAST CONDUCTED IN 2025. Part XI, Line 9 | Description:, Explanation:, Amount:| Immaterial Difference, Unreconcilable Variance, $457| Part VI Line 17 | Explanation:| LIST OF STATES RECEIVING COPY OF FORM 990: AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Part VI Line 19 | Explanation:| FORM 990 PART VI SECTION C LINE 19: AFB DOES MAKE ITS GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC. Part XII Line 2 | Explanation:| AFB PREPARES CONSOLIDATED FINANCIAL STATEMENTS. THE AUDIT COMMITTEE ASSUMES THE RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF AFBS CONSOLIDATED FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT AUDITOR. THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. 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