2024-08-12T11:41:31-05:00 2023-12-31 231144520 TAIT WELLER & BAKER LLP 50 SOUTH 16TH STREET SUITE 2900 PHILADELPHIA PA 19102 990 2023-01-01 132574854 LUTHERAN IMMIGRATION & REFUGEE SERVICE INC DBA GLOBAL REFUGE LUTH 4102300700 700 LIGHT STREET BALTIMORE MD 212303850 F ANDREW PEPITO CFO 4102300700 2024-08-12 1 0 HARRISON PEREIRA P00746867 2159798800 2024-08-12 2023 2024-08-08 14:25:15Z KRISH O'MARA VIGNARAJAH 700 LIGHT STREET BALTIMORE MD 212303850 232855800 0 X WWW.LIRS.ORG X 1966 MD LIRS WORKS TO CREATE WELCOME FOR MIGRANTS AND REFUGEES. ADVOCATES FOR AND HELPS (CONT'D ON SCH O) 16 16 628 16 0 0 204821506 229161548 1561057 1510227 712925 2095858 2223 61047 207097711 232828680 149068790 171205827 0 0 29447014 46025184 595968 0 3249993 7234392 12988966 186346164 230219977 20751547 2608703 91196974 107666854 35277255 45228272 55919719 62438582 X WITNESSING TO GOD'S LOVE FOR ALL PEOPLE, WE STAND WITH AND ADVOCATE FOR MIGRANTS AND REFUGEES, TRANSFORMING COMMUNITIES THROUGH MINISTRIES OF SERVICE AND JUSTICE. 0 0 97372215 90285842 RESETTLEMENT: IN FY 2023, LIRS RESETTLED 11,244 REFUGEES, UNACCOMPANIEDREFUGEE MINORS AND SIVS (AFGHAN SPECIAL IMMIGRANT VISAS WHO SERVEDOVERSEAS ALONGSIDE THE US ARMED FORCES) FROM 48 COUNTRIES THROUGH ITSNETWORK OF LOCAL SOCIAL MINISTRY ORGANIZATIONS IN 77 LOCATIONS ACROSSTHE UNITED STATES, PREPARING A PLACE OF WELCOME TO MEET THE PARTICULARNEEDS OF THE REFUGEES AND ENGAGING LOCAL CHURCHES AND COMMUNITIES TOASSIST REFUGEES TO BECOME SELF-RELIANT MEMBERS OF THEIR NEWCOMMUNITIES. THE TOP FIVE COUNTRIES OF ORIGIN OF RESETTLED REFUGEES INFY23 WERE AFGHANISTAN, DEMOCRATIC REPUBLIC OF CONGO, BURMA, SOMALIA, AND SYRIA.LIRS REFUGEE RESETTLEMENT PROGRAMMING INCLUDES:1. RECEPTION AND PLACEMENT (R&P) LIRS PROVIDES LIFE-SAVING PROTECTIONAND STABILIZATION SUPPORT TO REFUGEES DURING THEIR FIRST 90 DAYS IN THEUNITED STATES.2. MATCHING GRANT (MG) - THIS LIRS 8-MONTH EARLY EMPLOYMENT PROGRAM IS ANALTERNATIVE TO PUBLIC CASH ASSISTANCE. IN FISCAL YEAR 2023, 71.88% OF THE8,815 INDIVIDUALS ENROLLED IN MATCHING GRANT WERE SELF-SUFFICIENT(EMPLOYED) ON OR BEFORE THE 240-DAY MARK.3. PREFERRED COMMUNITIES (PC) LIRS PROVIDED INTENSIVE CASE MANAGEMENTTO THE MOST VULNERABLE REFUGEES AND ASYLEES TO ENSURE ACCESS TO CRITICAL,LIFE STABILIZING SERVICES AND RESOURCES. THIS HELPED MOVE 653PARTICIPANTS TOWARD SELF-SUFFICIENCY IN 27 LOCATIONS. PC GAP SERVICES SERVED 1,988 CLIENTS IN 60 LOCATIONS. 107326832 76598645 CHILDREN AND FAMILY SERVICES: FOR MORE THAN 40YEARS, LIRS HAS PROVIDED CHILD WELFARE SERVICES TO REFUGEE AND MIGRANT CHILDREN WHO ARE UNACCOMPANIED OR SEPARATED FROM FAMILY. LIRS PROVIDED RESIDENTIAL CARE AND COMMUNITY BASED CASE MANAGEMENT SERVICES TO OVER 22,000 NEWLY REUNIFIED CHILDREN AND FAMILIES IN 2023. THESE CHILDREN HAVE TYPICALLY FLED COMMUNITY VIOLENCE, CIVIL CONFLICT, PERSECUTION, TRAFFICKING, EXTREME POVERTY, OR MALTREATMENT. LIRS APPROACHES ITS WORK WITH INTEGRITY AND UPHOLDS THE FOLLOWING PRINCIPLES IN SERVING CHILDREN: DECISION-MAKING BASED ON THE BEST INTERESTS OF THE CHILD; PRESERVING FAMILY UNITY; PLACEMENTS OF CHILDREN IN THE LEAST RESTRICTIVE SETTING; PRIORITIZING CHILD PROTECTION; ANDPROVIDING SERVICES WITH QUALITY AND INNOVATION.LIRS PARTNERS WITH THE FEDERAL AGENCY, THE OFFICE OF REFUGEE RESETTLEMENT, STATE AND LOCAL GOVERNMENTS, ANDCOMMUNITY CHILD WELFARE AND REFUGEE ORGANIZATIONS TO SERVE THE BESTINTERESTS OF REFUGEE AND MIGRANT CHILDREN. LIRS PROVIDES A FULLCONTINUM OF CARE, WITH A ROBUST NATIONAL NETWORK OF PARTNERS AND DIRECT CARE STAFF LOCATED THROUGHOUT THE COUNTRY. THE CONTINUM OF CAREINCLUDED SHORT AND LONG-TERMFOSTER CARE (BASIC AND THERAPEUTIC PLACEMEMENTS), GROUP HOME CARE, AND SHELTER CARE AS WELL AS SAFE RELEASE SERVICES AND HOME STUDIES AND POST RELEASE SERVICES. LIRS LAUNCHED ITS FIRST INTERNATIONAL OFFICE IN GUATEMALA, PROVIDING CASE MANAGEMENT, CLINICAL SERVICES, AND ACCESS TO EDUCATIONAL AND VOCATIONAL SERVICES FOR YOUTH WHO HAVE BEEN RETURNED TO GUATEMALA FROM THE U.S. AND MEXICO. 3527608 1853497 MIGRANT SERVICES: IN 2023, LIRS CONTINUED IMPLEMENTING THE FOLLOWING REFUGEE RELATED PROGRAMS AND INITIATIVES: NEW AMERICAN CITIES (NAC) (FUNDED BY WALMART, CHURCH OF JESUS CHRIST OF LATTER-DAY SAINTS, ICONIQ) - TARGETED CAREER UPSKILLING SUPPORT AND PLANNING FOR NEW AMERICANS WHO HAVE BEEN IN COUNTRY FOR 20 YEARS OR LESS. LIRS OPERATES THE PROGRAM IN SIX LOCATIONS AND HAD SERVED 312 CLIENTS IN 2023.COMMUNITY ENGAGEMENT:1. CIRCLE OF WELCOME (COW) - FACILITATED VOLUNTEER CHURCH/COMMUNITY TEAMS WHO ARE MATCHED WITH REFUGEE HOUSEHOLDS TO PROVIDE STRUCTURED, ONGOING SUPPORT.2. VOLUNTEERISM TECHNICAL ASSISTANCE (TA) - SERVED AS IN-HOUSE VOLUNTEERISM AND MENTORSHIP TECHNICAL ASSISTANCE PROVIDERS TO THE AFFILIATE NETWORK AND INTERNAL PROGRAM MANAGERS.3. EMPLOYER ENGAGEMENT WORKED WITH NATIONAL AND LOCAL COMPANIES TO BECOME "PREFERRED REFUGEE EMPLOYERS" (PRE) BY FOLLOWED A MINIMUM AMOUNT OF HIRING AND RETENTION BEST PRACTICES.4. LIRS' RESPITE SERVICES PROGRAM OFFERS IMMEDIATE SUPPORT TO PEOPLE RECENTLY RELEASED FROM IMMIGRATION DETENTION. THE PROGRAM OPERATED IN THREE BORDER-ADJACENT LOCATIONS AND SERVED OVER 10,554 INDIVIDUALS IN 2023. 5. LIRS' WELCOME CENTER PROGRAM OFFERS SIX MONTHS OF TRAUMA-INFORMED, WRAPAROUND CASE MANAGEMENT SUPPORT TO NEWLY ARRIVED ASYLUM SEEKERS. THE PROGRAM OPERATED IN NINE LOCATIONS AND SERVED OVER 930 INDIVIDUALS IN 2023.6. LIRS' MENTAL HEALTH PROGRAM OFFERED THERAPY AND CLINICAL CASE MANAGEMENT SERVICES TO 408 INDIVIDUALS IN 2023.IN 2023, GLOBAL REFUGE RECRUITED AND CONNECTED 1,004 NEW VOLUNTEERS AND ORIENTED 97 NEW AMBASSADORS. TOGETHER, THESE AMBASSADORS AND VOLUNTEERS FORM A NATIONAL NETWORK THAT RECEIVES, WELCOMES, HOUSES AND ACCOMPNIES NEW ARRIVALS TO THE UNITED STATES. WITH THE HELP OF FAITH COMMUNITIES AND LOCAL VOLUNTEERS, 20,000 HAND WRITTEN CARDS WERE WRITTEN THROUGH THE HOPE FOR THE HOLIDAYS PROGRAM, AND 15,000 CARDS WERE SENT TO INDIVIDUALS IN DETENTION CENTERS, AS WELL AS TO FAMILIES AND CHILDREN OF GLOBAL REFUGE'S OWN CFS PROGRAMS. GLOBAL REFUGE VOLUNTEERS AND SUPPORTIVE FAITH COMMUNITIES ALSO PACKED AND DELIVERED MORE THAN 1,500 "FRESH CHANGE" BAGS OF NEW CLOTHING FOR IMMIGRANTS LEAVING DETENTION CENTERS IN LAS CRUCES, NEW MEXICO. GLOBAL REFUGE ALSO PRODUCED AN ADVENT DEVOTIONAL AND LAUNCHED A NEW LITURGICAL RESOURCE WHICH BROUGHT THE TOPIC OF IMMIGRATION INTO CONGREGATIONS ACROSS THE COUNTRY. GLOBAL REFUGE PREACHED AND PRESENTED IN NEARLY 50 FAITH COMMUNITIES ACROSS THE COUNTRY, AND SPOKE PUBLICLY AT EDUCATIONAL AND HUMAN RIGHTS EVENTS IN SEVERAL MAJOR CITIES. 6697509 2467843 OTHER PROGRAM SERVICES:LIRS SERVICES TRAVEL LOANS ISSUED BY THE INTERNATIONAL ORGANIZATION OF MIGRATION TO TRANSPORT LIRS-SPONSORED REFUGEES FROM THEIR ORIGINAL LOCATION TO THEIR RESETTLEMENT LOCATION IN THE UNITED STATES. COLLECTIONS FROM THESE NON-INTEREST BEARING LOANS ARE, IN PART, USED TO OFFSET LOAN SERVICING EXPENSES OF LIRS, WITH 75% OF THE COLLECTIONS RETURNED TO THE INTERNATIONAL ORGANIZATION OF MIGRATION TO REPLENISH THE LOAN FUND, WHICH FINANCES TRANSPORTATION FOR RESETTLEMENT OF FUTURE REFUGEES.LIRS NORTH DAKOTA (LIRS ND) STATE PROGRAMS REFUGEE SUPPORT SERVICES PROGRAM (RSS): RSS SUPPORTED REFUGEES AND OTHER ORR ELIGIBLE POPULATIONS GAIN ECONOMIC INDEPENDENCE BY HELPING THEM FIND AND MAINTAIN EMPLOYMENT LEADING TOWARDS ECONOMIC SELF-SUFFICIENCY AND SUCCESSFUL INTEGRATION INTO LOCAL COMMUNITIES. RSS SERVICES INCLUDED EMPLOYABILITY ASSESSMENT, TRAINING AND JOB DEVELOPMENT, JOB PLACEMENT, AND JOB MAINTENANCE. IN ADDITION, SERVICES INCLUDED REFERRALS TO ADDRESS BARRIERS TO EMPLOYMENT INCLUDING SOCIAL ADJUSTMENT, ENGLISH LANGUAGE CLASSES, DAY CARE, AS WELL AS CITIZENSHIP CLASSES AND NATURALIZATION SUPPORT. LIRS ND SERVED 459 RSS CLIENTS IN 2023.REFUGE CASH ASSISTANCE (RCA) PROGRAM: REFUGE CASH ASSISTANCE (RCA)SUPPORTED REFUGEES AND OTHER ORR ELIGIBLE POPULATIONS WITH MONTHLY CASH ASSISTANCE TO HELP INDIVIDUALS MEET THEIR BASIC NEEDS SUCH AS FOOD, SHELTER, AND TRANSPORTATION. WHILST SUPPORT ELIGIBLE INDIVIDUALS TO BECOME SELF SUFFICIENT AND REDUCE DEPENDENCY ON WELFARE SERVICES BY PROVIDING CASE MANAGEMENT, ENGLISH LANGUAGE TRAINING AND EMPLOYMENT REFERALS. LIRS ND SERVED 321 RCA CLIENTS IN 2023.SERVICES FOR OLDER REFUGEES (SOR): SOR PROVIDED SUPPORT FOR ELIGIBLE REFUGEES AGED SIXTY AND OLDER AND ENSURED THEY HAVE ACCESS TO APPLICABLE SERVICES FOR THE AGING. SOR SERVICES INCLUDED CASE MANAGEMENT, TRANSPORTATION, INTERPRETATION, REFERRALS TO SUPPORTIVE SERVICES, CONNECTION TO COMMUNITY RESOURCES, VOLUNTEER ENGAGEMENT, SOCIAL ACTIVITIES, AND CITIZENSHIP AND NATURALIZATION PREPARATION SERVICES FOR ELIGIBLE REFUGEE ELDERS. AND TO PROVIDE QUALIFYING REFUGEES WITH APPROPRIATE SERVICES NOT CURRENTLY AVAILABLE IN THE COMMUNITY. SOR SERVICES SUPPORTED OVERALL PHYSICAL AND EMOTIONAL HEALTH, HELP INTEGRATION INTO NEW COMMUNITIES, AND SUPPORTED INDEPENDENT LIVING. LIRS ND SERVED 40 SOR CLIENTS IN 2023.INCREASING HEALTH EQUITY AND IMMUNIZATION RATES AMONGST NEW AMERICANS/FOREIGN BORN/IMMIGRANT (VACCINE EQUITY): LIRS-ND ACTED AS THE FISCAL AGENT AND COLLABORATED WITH ETHNIC COMMUNITY-BASED ORGANIZATIONS (CBOS) WHO WORKED TO INCREASE HEALTH EQUITY AND IMMUNIZATION RATES AMONGST NEW AMERICANS IN NORTH DAKOTA THROUGH OUTREACH AND PUBLIC EDUCATION. LIRS ND SUPPORTED 14 CBOS IN 2023.THE REFUGEE MENTAL HEALTH INITIATIVE: THE PROJECT SERVED MALE MEMBERS OF THE RECENTLY ARRIVED AFGHAN COMMUNITIES IN THE FARGO AREA, PROVIDING AN OPPORTUNITY TO ENGAGE IN SPORT AND PHYSICAL ACTIVITIES TO ENHANCE THEIR MENTAL HEALTH AND STAY CONNECTED WITH EACH OTHER. LIRS ND SERVED 33 CLIENTS IN 2023.REFUGEE AGRICULTURAL PARTNERSHIP PROGRAM: SUPPORTS REFUGEES AND OTHER ORR-ELIGIBLE POPULATIONS TO IMPROVE THEIR LIVELIHOODS AND ATTAIN ECONOMIC SELF-SUFFICIENCY THROUGH INCREASED KNOWLEDGE AND SKILLS IN AGRICULTURE, FOOD SYSTEMS, NUTRITION AND ACCESS TO FARMER'S MARKETS. LIRS ND SERVED 32 CLIENTS IN 2023.LIRS SAN ANTONIO (LIRS SA) PROGRAMSAMERICAN RESCUE PLAN ACT (ARPA) SUPPORT SERVICES: ADDRESS NEGATIVE COVID-19 IMPACTS ON ECONOMIC SECURITY FOR NONCITIZENS RESIDING IN SAN ANTONIO THROUGH THE PROVISION OF CASE MANAGEMENT AND EMPLOYMENT SERVICES. LIRS SA SERVED 124 INDIVIDUALS 2023. LIRS BALTIMORE AND ALEXANDRIA (LIRS MD) PROGRAMSBALTIMORE NEW AMERICAN ACCESS COALITION (BNAAC): PROVIDES SIX-MONTH CASE MANAGEMENT AND BENEFITS NAVIGATION TO HELP BALTIMORE CITY'S IMMIGRANTS AND REFUGEES. LIRS MD SERVED 42 CLIENTS. MICROENTERPRISE DEVELOPMENT: EMPOWERS REFUGEES WITH ECONOMIC INCLUSION OPPORTUNITIES INTENDED TO FACILITATE INTEGRATION INTO THE U.S. ECONOMY. IT PROVIDES TRAINING, TECHNICAL ASSISTANCE AS WELL AS CREDIT BUILDER AND SMALL BUSINESS LOANS TO HELP THEM CREATE OR EXPAND THEIR OWN SMALL BUSINESSES. LIRS SUPPORTED 27 INDIVIDUALS IN 2023 THROUGH TRAINING AND DISTRIBUTED 8 LOANS. INDIVIDUAL DEVELOPMENT ACCOUNT: SUPORTS REFUGEES SAVE TOWARD AN ASSET THAT WILL HELP INCREASE FINANCIAL INDEPENDENCE. THE PROGRAM HELPS REFUGEES UNDERSTAND WHAT ASSETS ARE, HOW THE U.S. FINANCIAL SYSTEM WORKS, AND HOW TO MANAGE THEIR MONEY. IT MATCHES SAVINGS AT A AT ONE-TO-ONE FOR EACH DOLLAR DEPOSITED. SAVINGS GOALS CAN BE USED TOWARDS HOME PURCHASE, RENTAL ASSISTANCE, VOCATIONAL TRAININGS, EDUCATION, ENTRANCE EXAM FEES, ETC. LIRS SUPPORTED 50 INDIVIDUALS IN 2023 THROUGH TRAINING AND DISTRIBUTED 36,000 IN MATCHING FUNDS. 6697509 2467843 214924164 1 1 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 84 0 628 1 0 0 0 0 0 0 0 0 0 0 0 0 X 16 16 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY X X F ANDREW PEPITO CHIEF FINANCIAL OFFICER 4102302733 700 LIGHT STREET BALTIMORE MD 21230 ELIZABETH B WAGNER CHAIR 3.00 X X 0 0 0 MICHELE SPEAKS SECRETARY 3.00 X X 0 0 0 DENNIS WIECKERT TREASURER 3.00 X X 0 0 0 CARLOS PENA DIRECTOR 3.00 X 0 0 0 DR DIANA MARTHA POHLE DIRECTOR 3.00 X 0 0 0 EDDIE RESESNDE DIRECTOR 3.00 X 0 0 0 VIRGINIA HULTQUIST DIRECTOR 3.00 X 0 0 0 JOHN R MOELLER JR DIRECTOR 3.00 X 0 0 0 MATUOR ALIER DIRECTOR 3.00 X 0 0 0 DIANE BATCHIK DIRECTOR 3.00 X 0 0 0 BISHOP PAUL ERICKSON DIRECTOR 3.00 X 0 0 0 YARED HALCHE DIRECTOR 3.00 X 0 0 0 BRYN PARCHMAN DIRECTOR 3.00 X 0 0 0 CLARANCE SMITH DIRECTOR 3.00 X 0 0 0 DR GEORGE VIJI DIRECTOR 3.00 X 0 0 0 MUHSIN HASSAN DIRECTOR 3.00 X 0 0 0 F ANDREW PEPITO CFO 40.00 X 287756 0 26909 KRISH O'MARA VIGNARAJAH CEO 40.00 1.00 X 602375 0 40592 ANDREW STEELE VP DEVELOPMENT AND MOBILIZATION 40.00 X 193462 0 24602 LORIE DAVIDSON DIR CHILDREN & FAMILY SERV 40.00 X 170675 0 30556 ERIN TAYLOR DIRECTOR COMMUNICATIONS 40.00 X 200043 0 29090 GERI O'DONOGHUE VICE PRES HUMAN RESOURCES 40.00 1.00 X 223896 0 43406 LEE WILLIAMS VICE PRES PROGRAMS 40.00 X 272755 0 51300 MARIA MASKELL DIRECTOR FOR IT 40.00 X 170458 0 48117 SABA BERHANE DIRECTOR 40.00 X 145239 0 26146 ZHUOYING FAN DIRECTOR 40.00 X 148714 0 50601 VIRGINIA FITCHETT DEPUTY DIRECTOR 40.00 X 140157 0 15703 MEGAN BRACY DIR REFUGEE AND MIGRANT SERVICES 40.00 X 139510 0 16799 ALLISON COMO CONTROLLER 40.00 X 133426 0 25843 2828466 0 429664 13 0 1 0 0 221476051 7685497 112723 229161548 SERVICE FEES LOANS 900099 942715 942715 SERVICE FEES - OTHER 900099 567512 567512 1510227 2098533 2098533 24445 27120 -2675 -2675 -2675 MISCELLANEOUS 900099 61047 61047 61047 232828680 1510227 0 2156905 167974770 167974770 3231057 3231057 2550427 201232 2131133 218062 32120247 26519440 4371315 1229492 1824040 1433809 299696 90535 6930351 5615955 1077179 237217 2600119 2035096 458260 106763 211357 83015 114645 13697 63500 63500 67128 67128 2441531 643687 1004831 793013 61447 23395 35152 2900 637492 339771 153367 144354 3302024 2776798 423469 101757 1680395 1596128 34453 49814 2280925 1942088 201471 137366 1757827 444038 1295115 18674 164997 37361 95648 31988 196958 180554 16404 MEMBERSHIP DUES 117340 22574 36809 57957 VOLUNTEER EXPENSES 6045 3950 2095 230219977 214924164 12045820 3249993 10108052 25354734 5106710 5376360 41831452 37152275 997893 906663 0 95838 385821 493412 1976878 953851 1063549 1023027 27370980 32198641 310163 340872 3318079 3542927 704275 1182105 91196974 107666854 4345630 5416602 29316253 38469369 45431 69381 1265155 1109629 304786 163291 35277255 45228272 X 53676782 62019068 2242937 419514 55919719 62438582 91196974 107666854 2608703 3910160 0 X 0 1 X 1 1 1 X 60524059 61270188 112710496 204821506 229161548 668487797 60524059 61270188 112710496 204821506 229161548 668487797 1559675 666928122 260828 125423 153935 620967 2098533 3259686 85314 52356 67837 2223 61047 268777 672016260 9130931 0.99240 0.98580 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: MISCELLANEOUS REVENUE - 2019 AMOUNT: $ 85,314. 2020 AMOUNT: $ 52,356. 2021 AMOUNT: $ 67,837. 2022 AMOUNT: $ 2,223. 2023 AMOUNT: $ 61,047. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1 1 0 1 38488 1 12829 0 1 57732 1 19244 0 128293 0 PART II-B, LINE 1: LIRS PERIODICALLY PAYS STAFF TO DRAFT LETTERS TO BE SIGNED BY EXECUTIVE DIRECTORS OF OTHER VOLUNTARY AGENCIES AND RELIGIOUS LEADERS. LIRS PERIODICALLY PAYS STAFF AND REQUESTS VOLUNTEERS TO MEET AND/OR PLACE TELEPHONE CALLS TO MEMBERS OF CONGRESS AND THEIR STAFF, AND/OR OFFICIALS OF THE EXECUTIVE BRANCH, WITH VIEWS ON IMMIGRATION LAW, TREATMENT OF REFUGEES AND ASYLEES, UNDOCUMENTED CHILDREN, REFUGEE RESETTLEMENT, AND DETENTION PRACTICES. THE COMMUNICATIONS URGE OPPOSITION OR SUPPORT OF SPECIFIC LEGISLATIVE INITIATIVES OR GOVERNMENT ACTIONS. OCCASIONALLY LIRS ELECTRONICALLY PUBLISHES AND MAILS TO DONORS, VOLUNTEERS, CONGRESSIONAL STAFF, AND LEGISLATORS CORRESPONDENCE URGING ACTION ON A PARTICULAR PIECE OF LEGISLATION THAT IS IN CONCERT WITH LIRS'S MISSION. SUCH AN EVENT MAY ALSO OPPOSE OR ADVOCATE FOR A PARTICULAR PIECE OF LEGISLATION. 318564 135337 183227 1658314 818514 839800 1023027 OPERATING LEASE LIABILITIES 163291 163291 X 236760729 3910160 89017 3999177 232761552 67128 67128 232828680 230814266 661417 661417 230152849 67128 67128 230219977 PART X, LINE 2: LIRS RECOGNIZES OR DERECOGNIZES TAX POSITIONS ON A "MORE LIKELY THAN NOT" THRESHOLD. THIS APPLIES TO POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. LIRS HAS REVIEWED THE TAX POSITIONS TAKEN FOR EACH OF THE OPEN TAX YEARS (2020-2022) OR EXPECTED TO BE TAKEN IN LIRS'S 2023 TAX RETURN AND HAS CONCLUDED IT HAS NO MATERIAL UNCERTAIN TAX POSITIONS. ACCORDINGLY, NO PROVISION FOR INCOME TAXES HAS BEEN MADE IN THE ACCOMPANYING FINANCIAL STATEMENTS. PART XI, LINE 2D - OTHER ADJUSTMENTS: RELATED ENTITY REVENUE NOT INCLUDED ON FORM 990 89,017. PART XII, LINE 2D - OTHER ADJUSTMENTS: EXPENSES OF RELATED ENTITIES NOT INCLUDED ON FORM 990 661,417. 1 CANOPY NW ARKANSAS 2925 N OLD MISSOURI RD FAYETTEVILLE AR 727034412 811305235 501(C)(3) 1271941 0 REFUGEE RESETTLEMENT CATHOLIC CHARITIES OF THE DIOCESE OF WILMINGTON 2601 W 4TH STREET WILMINGTON DE 19805 510095439 501(C)(3) 83742 0 CHILDREN AND FAMILY SERVICES CATHOLIC CHARITIES OF THE DIOCESE OF BATON ROUGE PO BOX 1668 BATON ROUGE LA 70808 720590685 501(C)(3) 381639 0 CHILDREN SERVICES CATHOLIC CHARITIES OF THE ARCHDIOCESE OF GALVESTON-HOUSTON 2900 LOUISIANA STREET HOUSTON TX 770063435 741109733 501(C)(3) 324019 0 CHILDREN AND FAMILY SERVICES CATHOLIC CHARITIES OF LOS ANGELES INC 1531 JAMES M WOOD BLVD LOS ANGELES CA 90015 951690973 501(C)(3) 565946 0 CHILDREN AND FAMILY SERVICES CATHOLIC CHARITIES OF LOUISVILLE 2222 W MARKET ST LOUISVILLE KY 40212 611239600 501(C)(3) 215011 0 CHILDREN SERVICES CATHOLIC CHARITIES OF THE ARCHDIOCESE OF NEWARK 590 NORTH 7TH STREET NEWARK NJ 071072522 222164120 501(C)(3) 160857 0 CHILDREN AND FAMILY SERVICES CATHOLIC CHARITIES OF SOUTHWEST KANSAS 906 CENTRAL AVENUE DODGE CITY KS 67801 480697602 501(C)(3) 97795 0 CHILDREN AND FAMILY SERVICES CATHOLIC CHARITIES OF SOUTHWEST OHIO ARCHDIOCESE OF CINCINNATI 7162 READING ROAD SUITE 600 CINCINNATI OH 45237 310536968 501(C)(3) 190434 0 CHILDREN SERVICES CATHOLIC CHARITIES OF TENNESSEE 2806 MCGAVOCK PIKE NASHVILLE TN 37214 620679520 501(C)(3) 160690 0 CHILDREN SERVICES CHARLOTTE CENTER FOR LEGAL ADVOCACY 1431 ELIZABETH AVE CHARLOTTE NC 28204 561202940 501(C)(3) 133184 0 CHILDREN AND FAMILY SERVICES CHRIS 180 1017 FAYETTEVILLE RD SOUTHEAST ATLANTA GA 30316 581430183 501(C)(3) 8934129 0 CHILDREN SERVICES COMMUNITY LEGAL CENTER 80 MONROE AVENUE SUITE 415 MEMPHIS TN 381035406 621558575 501(C)(3) 172526 0 CHILDREN AND FAMILY SERVICES CREATIVE SOLUTIONS FOR KIDS & FAMILIES 1405 SPRUCE STREET SUITE A RIVERSIDE CA 92507 202882315 501(C)(3) 2728495 0 CHILDREN SERVICES ETHIOPIAN TEWAHEDO SOCIAL SERVICES 4300 EAST BROAD STREET SUITE D WHITEHALL OH 432131243 203525591 501(C)(3) 883555 0 RESETTLEMENT AND INTEGRATION SERVICES ICNA RELIEF USA PROGRAMS INC 1529 JERICHO TURNPIKE NEW HYDE PARK NY 11040 043810161 501(C)(3) 1113761 0 REFUGEE RESETTLEMENT KENNEDY KRIEGER 707 NORTH BROADWAY BALTIMORE MD 21205 521524965 501(C)(3) 141461 0 TRANSITIONAL FOSTER CARE LUTHERAN FAMILY SERVICES OF NEBRASKA 124 SOUTH 24TH STREET SUITE 230 OMAHA NE 681021226 237267972 501(C)(3) 2948582 0 CHILDREN AND FAMILY SERVICES; RESETTLEMENT AND INTEGRATION SERVICES LUTHERAN FAMILY SERVICES OF THE CAROLINAS PO BOX 2369 SALISBURY NC 281452369 561286323 501(C)(3) 12008515 0 CHILDREN SERVICES LUTHERAN FAMILY SERVICES OF VIRGINIA 2609 MCVITTY ROAD ROANOKE VA 24018 541222012 501(C)(3) 4027314 0 CHILDREN SERVICES LUTHERAN FAMILY SERVICES OF ROCKY MOUNTAINS 363 S HARLAN STREET 200 DENVER CO 802263556 840775550 501(C)(3) 6434326 0 CHILDREN SERVICES LUTHERAN SERVICES FLORIDA 3625A WEST WATERS AVENUE TAMPA FL 336142783 592198911 501(C)(3) 5907949 0 CHILDREN SERVICES LUTHERAN SOCIAL SERVICE OF MINNESOTA 2414 PARK AVENUE MINNEAPOLIS MN 55404 410872993 501(C)(3) 3907038 0 CHILDREN AND FAMILY SERVICES; RESETTLEMENT AND INTEGRATION SERVICES LUTHERAN SOCIAL SERVICES OF METROPOLITAN NEW YORK 475 RIVERSIDE DRIVE SUITE 1244 NEW YORK NY 101150046 132658548 501(C)(3) 1024148 0 CHILDREN SERVICES LUTHERAN SOCIAL SERVICES OF MICHIGAN 8131 EAST JEFFERSON DETROIT MI 482142691 381360553 501(C)(3) 7912889 0 REFUGEE RESETTLEMENT LUTHERAN SOCIAL SERVICES OF NORTHEASTERN FLORIDA 4615 PHILIPS HIGHWAY JACKSONVILLE FL 322077265 591965600 501(C)(3) 1731736 0 RESETTLEMENT AND INTEGRATION SERVICES LUTHERAN SOCIAL SERVICES OF SOUTH DAKOTA 705 E 41ST STREET SUITE 200 SIOUX FALLS SD 571056048 460224731 501(C)(3) 607624 0 RESETTLEMENT AND INTEGRATION SERVICES LUTHERAN SOCIAL SERVICES OF THE SOUTHWEST 2502 E UNIVERSITY DRIVE STE 125 PHOENIX AZ 85034 860252302 501(C)(3) 3869064 0 ASYLUM SERVICES; CHILDREN AND FAMILY SERVICES; RESETTLEMENT AND INTEGRATION SERVICES LUTHERAN SOCIAL SERVICES OF WISCONSIN AND UPPER MICHIGAN PO BOX 88736 MILWAUKEE WI 532880736 390816846 501(C)(3) 2220439 0 REFUGEE RESETTLEMENT MOHAWK VALLEY RESOURCE CENTER FOR REFUGEES 201 BLEECKER ST UTICA NY 135012210 161158764 501(C)(3) 1249116 0 RESETTLEMENT AND INTEGRATION SERVICES MOSAIC FAMILY SERVICES 4144 NORTH CENTRAL EXPRESSWAY DALLAS TX 752042105 752484565 501(C)(3) 180757 0 CHILDREN SERVICES NORTHERN VIRGINIA FAMILY SERVICES 10455 WHITE GRANITE DR STE 100 OAKTON VA 22124 540791977 501(C)(3) 232006 0 CHILDREN AND FAMILY SERVICES REFUGEE SERVICES OF TEXAS 9241 LBJ FREEWAY SUITE 210 DALLAS TX 752433447 751618251 501(C)(3) 699337 0 CHILDREN SERVICES SAN FERNANDO OUTREACH CENTER 1109 CORONEL STREET SAN FERNANDO CA 91340 951684078 501(C)(3) 89063 0 REFUGEE RESETTLEMENT UPBRING 8305 CROSS PARK DRIVE AUSTIN TX 78754 320515615 501(C)(3) 316112 0 CHILDREN AND FAMILY SERVICES; RESETTLEMENT AND INTEGRATION SERVICES BETHANY CHRISTIAN SERVICES OF MICHIGAN 901 EASTERN AVENUE NE GRAND RAPIDS MI 49501 383542119 501(C)(3) 49476074 0 CHILDREN AND FAMILY SERVICES; RESETTLEMENT AND INTEGRATION SERVICES THE WOMEN'S BUILDING ATTN ACCOUNTING DEPT 3543 18TH ST 8 SAN FRANCISCO CA 94110 941730620 501(C)(3) 855954 0 CHILDREN AND FAMILY SERVICES CATHOLIC CHARITIES OF BALTIMORE ESPERANZA CENTER 430 S BROADWAY BALTIMORE MD 21231 520591538 501(C)(3) 326421 0 CHILDREN AND FAMILY SERVICES CRITTENTON SERVICES FOR CHILDREN & FAMILIES 801 E CHAPMAN SUITE 203 FULLERTON CA 92831 952492427 501(C)(3) 11875 0 REFUGEE RESETTLEMENT LUTHERAN SERVICES IN AMERICA 100 MARYLAND AVE NE SUITE 500 WASHINGTON DC 20002 363304707 501(C)(3) 17083204 0 CHILDREN SERVICES DIAKON CHILD FAMILY & COMMUNITY MINISTRIES 1 S HOME AVE TOPTON PA 19562 465390969 501(C)(3) 208445 0 REFUGEE RESETTLEMENT LUTHERAN MINISTRIES OF GEORGIA ATTN JOHN SHEREIKIS 756 WEST PEACHTREE ST NW ATLANTA GA 30308 501(C)(3) 8055152 0 CHILDREN AND FAMILY SERVICES LUTHERAN SERVICES IN IOWA 3125 COTTAGE GROVE AVENUE DES MOINES IA 503113809 420698267 501(C)(3) 3382973 0 CHILDREN AND FAMILY SERVICES; RESETTLEMENT AND INTEGRATION SERVICES JOINT DEVELOPMENT ASSOCIATES INTERNATIONAL INC 2695 PATTERSON RD UNIT 2 188 GRAND JUNCTION CO 81506 841286934 501(C)(3) 112450 0 REFUGEE RESETTLEMENT JEWISH VOCATIONAL SERVICE 4600 THE PASEO KANSAS CITY KANSAS CITY MO 641101826 430984198 501(C)(3) 327737 0 TRANSITIONAL FOSTER CARE KENNEDY-DONOVAN CENTER INC ONE COMMERCIAL STREET FOXBORO MA 02035 042519028 501(C)(3) 53255 0 TRANSITIONAL FOSTER CARE LUTHERAN SOCIAL SERVICES OF NEW ENGLAND 14 EAST WORCESTER STREET SUITE 300 WORCESTER MA 01604 061272794 501(C)(3) 4437116 0 CHILDREN SERVICES BALTIMORE IMMIGRATION AND REFUGEE SERVICE 3516 EASTERN AVENUE BALTIMORE MD 21224 501(C)(3) 6719 0 CHILDREN AND FAMILY SERVICES LUTHERAN FAMILY SERVICES OF OREGON & SW WASHINGTON MULTICULTURAL COMMUNITY SERVICES 605 S E 39TH AVENUE PORTLAND OR 972143298 501(C)(3) 4865009 0 CHILDREN AND FAMILY SERVICES REFUGEE AND IMMIGRANT SERVICES & EDUCATION PO BOX 866 NOEL MO 64854 821779829 501(C)(3) 562503 0 REFUGEE RESETTLEMENT 50 0 GIFT CARDS AND FINANCIAL ASSISTANCE 570 3231057 PART I, LINE 2: LIRS HAS A WELL-DEFINED SYSTEM OF CONTROLS TO ENSURE SUB-RECIPIENTS USE GRANT FUNDS AS EXPECTED. INITIALLY, SUB-RECIPIENTS SUBMIT PROPOSED BUDGETS THAT ARE REVIEWED IN RELATION TO THE DELIVERABLES, AND APPROVED BEFORE SUB-AWARDS ARE ISSUED. ON A MONTHLY BASIS, REIMBURSEMENT REQUESTS ARE REVIEWED FOR REASONABLENESS AND IN RELATION TO THE BUDGETS BEFORE REIMBURSEMENTS ARE MADE. PARTNER AUDITS PREPARED IN COMPLIANCE WITH THE UNIFORM GUIDANCE ARE SUBMITTED ANNUALLY AND RECONCILED TO THE FINANCIAL RECORDS OF LIRS, AND LIRS FOLLOWS UP ON ANY SIGNIFICANT FINDINGS IN THOSE AUDITS. LIRS PERIODICALLY PROVIDES TRAINING ON THE UNIFORM GUIDANCE, GAAP, AND SPECIFIC ACCOUNTING ISSUES RELEVANT TO LIRS ISSUED SUB-AWARDS. LIRS MAINTAINS A CHECKLIST OF VARIOUS ASPECTS OF EACH SUB-RECIPIENT'S FINANCIAL STATUS, COMPLIANCE, PROCEDURES AND ACCOUNTING SYSTEMS USED FOR COST ALLOCATION AND CAPTURING IN-KIND CONTRIBUTIONS. PERIODICALLY, AND WHENEVER ISSUES ARE IDENTIFIED, LIRS CONDUCTS ON-SITE FINANCIAL MONITORING TO SPEAK WITH STAFF AND DIRECTLY OBSERVE SYSTEMS AND PROCESSES. 1 X X X 0 0 0 0 0 0 0 0 0 KRISH O'MARA VIGNARAJAH CEO 502068 0 100307 0 0 0 26948 0 13644 0 642967 0 0 0 LEE WILLIAMS VICE PRES PROGRAMS 250398 0 22357 0 0 0 23283 0 28017 0 324055 0 0 0 F ANDREW PEPITO CFO 244999 0 42757 0 0 0 24459 0 2450 0 314665 0 0 0 GERI O'DONOGHUE VICE PRES HUMAN RESOURCES 205499 0 18397 0 0 0 20905 0 22501 0 267302 0 0 0 ERIN TAYLOR DIRECTOR COMMUNICATIONS 182239 0 17804 0 0 0 15951 0 13139 0 229133 0 0 0 MARIA MASKELL DIRECTOR FOR IT 170133 0 325 0 0 0 16507 0 31610 0 218575 0 0 0 ANDREW STEELE VP DEVELOPMENT AND MOBILIZATION 177158 0 16304 0 0 0 12458 0 12144 0 218064 0 0 0 LORIE DAVIDSON DIR CHILDREN & FAMILY SERV 170350 0 325 0 0 0 17114 0 13442 0 201231 0 0 0 ZHUOYING FAN DIRECTOR 148389 0 325 0 0 0 15098 0 35503 0 199315 0 0 0 SABA BERHANE DIRECTOR 144914 0 325 0 0 0 14356 0 11790 0 171385 0 0 0 ALLISON COMO CONTROLLER 133101 0 325 0 0 0 13259 0 12584 0 159269 0 0 0 MEGAN BRACY DIR REFUGEE AND MIGRANT SERVICES 137985 0 1525 0 0 0 14339 0 2460 0 156309 0 0 0 VIRGINIA FITCHETT DEPUTY DIRECTOR 138632 0 1525 0 0 0 13505 0 2198 0 155860 0 0 0 A MARYLAND ECONOMIC DEVELOPMENT CORP 521376562 57420NOAV 2007-07-26 5942546 ADVANCE REFUNDING OF REVENUE BONDS 0 0 0 A 5942546 476594 5828695 113851 0 1 1 1 A 0 0 0 0 0 0 1 A 0 0 0 1 0 0 0 0 1 A 1 DATE REBATE COMPUTATION PERFORMED ISSUER NAME: MARYLAND ECONOMIC DEVELOPMENT CORP. DATE THE REBATE COMPUTATION WAS PERFORMED: 06/30/2017 SCHEDULE K, PART I LUTHERAN IMMIGRATION AND REFUGEE SERVICE, INC. AND LUTHERAN WORLD RELIEF (EIN: 13-2574963), AN UNRELATED 501(C)(3) ORGANIZATION, ARE JOINTLY AND SEVERABLY LIABLE FOR THE BONDS AND AS SUCH, EACH HAS RECORDED 50% OF THE OUTSTANDING DEBT AND RELATED ISSUE COSTS ON THE FINANCIAL STATEMENTS. 100% OF LIABILITY AND RELATED COSTS ARE REPORTED ON SCHEDULE K. X HOME FURNITURE 5 112723 FMV 0 1 0 FORM 990, PART I, LINE 1 THOSE WHO SEEK SAFETY FROM PERSECUTION; REUNITES FAMILIES TORN APART BY CONFLICT; RESETTLES REFUGEES; AND PROTECTS VULNERABLE CHILDREN WHO ARRIVE ALONE IN THE UNITED STATES. FORM 990, PART VI, SECTION B, LINE 11B EACH YEAR PRIOR TO DISTRIBUTION TO THE LIRS BOARD OF DIRECTORS, THE AUDIT COMMITTEE REVIEWS AND DISCUSSES THE DRAFT FORM 990 AFTER ITS REVIEW BY LIRS CERTIFIED PUBLIC ACCOUNTANTS. THE COMPLETED FORM 990 IS MADE AVAILABLE TO THE ENTIRE BOARD FOR REVIEW AND QUESTIONS BEFORE IT IS SUBMITTED TO THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C LIRS BOARD POLICY REQUIRES ALL DIRECTORS, OFFICERS, COMMITTEE MEMBERS AND LIRS SENIOR MANAGERS TO IDENTIFY ACTUAL AND POTENTIAL CONFLICTS OF INTEREST AND COMPLETE A DECLARATION OF A CONFLICT OF INTEREST STATEMENT ANNUALLY WHICH IS REVIEWED BY THE BOARD GOVERNANCE COMMITTEE. ANY DIRECTOR, OFFICER, COMMITTEE MEMBER OR SENIOR MANAGER WHO DISCLOSES A DIRECT OR INDIRECT FINANCIAL OR OTHER MATERIAL INTERESTS IN A PROPOSED OR EXISTING ARRANGEMENT WILL NOT BE ALLOWED TO BE A PART OF THE DISCUSSION OR DECISION-MAKING ON THE MATTER THAT RESULTS IN THE CONFLICT OF INTEREST. IF ANY DIRECTOR, OFFICER, COMMITTEE MEMBER OR SENIOR MANAGER FAILS TO DISCLOSE A DIRECT OR INDIRECT FINANCIAL OR OTHER MATERIAL INTEREST SUBJECT TO THE POLICY, S/HE WILL BE INFORMED AND GIVEN THE OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. IF THE BOARD OR COMMITTEE OR PRESIDENT AND CEO DETERMINES THAT THE INDIVIDUAL HAS FAILED TO DISCLOSE A CONFLICT OF INTEREST, THEY WILL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION. FORM 990, PART VI, SECTION B, LINE 15 FOR LIRS' CEO'S COMPENSATION, AN INDEPENDENT CONSULTANT PERFORMS AN ANALYSIS ON A REGULAR BASIS USING INDEPENDENT RESEARCH WHICH CONSIDERS THE ORGANIZATION'S BUDGET, THE CURRENT COMPENSATION, AND THE NUMBER OF YEARS SERVED BY THE CEO. THE ANALYSIS USES SALARY SURVEYS THAT PROVIDE A SALARY RANGE THAT IS COMPETITIVE WITH SIMILAR NON-PROFITS IN THE SAME GEOGRAPHIC AREA. THE FINDINGS ARE PRESENTED TO THE BOARD'S EXECUTIVE COMMITTEE, WHICH REVIEWS THE CONSULTANT'S REPORT IN CONJUNCTION WITH THE CEO'S PERFORMANCE AND PRESENTS A RECOMMENDATION TO THE FULL BOARD. THE FULL BOARD APPROVES THE CEO'S COMPENSATION FOR THE UPCOMING YEAR. FOR ALL OTHER LIRS STAFF POSITIONS, AN INDEPENDENT CONSULTANT PERFORMS AN ANALYSIS USING INDEPENDENT RESEARCH TO DETERMINE COMPETITIVE SALARY RANGES FOR THE VARIOUS GRADES OF POSITIONS WITHIN LIRS. THIS ANALYSIS IS COMPLETED EVERY OTHER YEAR AND THE BOARD APPROVES THE SALARY RANGES FOR ALL RESPECTIVE JOB GRADES. THE CEO SETS AND/OR APPROVES THE PARTICULAR SALARIES WITHIN THESE GRADES FOR STAFF. BOARD OFFICER POSITIONS ARE NON-STAFF, VOLUNTEER POSITIONS AND RECEIVE NO COMPENSATION. FORM 990, PART VI, SECTION C, LINE 19 LIRS MAKES ITS AUDITED FINANCIAL STATEMENTS, FORM 990, LIST OF CURRENT BOARD OF DIRECTORS, AND OTHER INFORMATION THAT MAY BE USEFUL IN UNDERSTANDING LIRS' VISION, MISSION, VALUES, GOALS AND ACTIVITIES AVAILABLE ON THE LIRS WEBSITE AT WWW.LIRS.ORG. THIS INFORMATION IS ALSO AVAILABLE TO THE PUBLIC UPON REQUEST. SUMMARY FINANCIAL STATEMENTS, SENIOR MANAGEMENT, AND THE LIST OF CURRENT BOARD OF DIRECTORS ARE ALSO PUBLISHED IN THE ANNUAL REPORT WHICH IS DISTRIBUTED TO DONORS AND OTHER STAKEHOLDERS. LUTHERAN CENTER CORPORATION 700 LIGHT STREET BALTIMORE MD 21230 522055143 MD 501(C)(3) LINE 12A, I 0 NEW AMERICAN COMMUNITY LENDING CORPORATION 700 LIGHT STREET BALTIMORE MD 21230 883474687 MD 501(C)(3) LINE 12A, I 0 NEW AMERICAN CAREERS INC 700 LIGHT STREET BALTIMORE MD 21230 933141777 REFUGEE EMPLOYMENT SERVICES MD C 307270 1.00000 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 0 1 1 0 0 SCHEDULE R, PART II, COLUMN (B) NAME OF RELATED ORGANIZATION: LUTHERAN CENTER CORPORATION PRIMARY ACTIVITY: PROVIDES OFFICE SPACE FOR VARIOUS LUTHERAN AND AFFILIATED CHARITABLE ORGANIZATIONS. SCHEDULE R, PART II, COLUMN (B) NAME OF RELATED ORGANIZATION: NEW AMERICAN COMMUNITY LENDING CORPORATION PRIMARY ACTIVITY: FINANCIALLY EMPOWERS REFUGEES, IMMIGRANTS, AND ASYLUM SEEKERS TO PROMOTE STABILITY, SECURITY AND A SHARE IN THE AMERICAN DREAM.