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      <Form990PartVIISectionAGrp>
        <PersonNm>Daniel Page-Wood Ended</PersonNm>
        <TitleTxt>Past Chair</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>Don Wilkinson</PersonNm>
        <TitleTxt>President/CEO</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>1.00</AverageHoursPerWeekRltdOrgRt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>38942</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>38942</TotalReportableCompFromOrgAmt>
      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
      <TotalOtherCompensationAmt>0</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>0</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>0</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>0</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>0</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>Cadillac Area Habitat for Humanity</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>7545 34 Rd</AddressLine1Txt>
            <CityNm>Cadillac</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49601</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Res Home Repair</ServicesDesc>
        <CompensationAmt>465766</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>Habitat for Humanity of Huron Valley</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>950 Victors Way Suite 50</AddressLine1Txt>
            <CityNm>Ann Arbor</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>48108</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Res Home Repair</ServicesDesc>
        <CompensationAmt>424847</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>Habitat for Humanity Grand Traverse Regi</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>PO Box 5412</AddressLine1Txt>
            <CityNm>Traverse City</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49696</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Res Home Repair</ServicesDesc>
        <CompensationAmt>369860</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>Lakeshore Habitat for Humanity</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>12727 Riley St</AddressLine1Txt>
            <CityNm>Holland</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49424</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Res Home Repair</ServicesDesc>
        <CompensationAmt>283732</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>Habitat for Humanity Northeast Michigan</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>2630 US 23 South</AddressLine1Txt>
            <CityNm>Alpena</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49707</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Res Home Repair</ServicesDesc>
        <CompensationAmt>250220</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>28</CntrctRcvdGreaterThan100KCnt>
      <GovernmentGrantsAmt>7590518</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>873930</AllOtherContributionsAmt>
      <TotalContributionsAmt>8464448</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>Conference Related Fee</Desc>
        <BusinessCd>611430</BusinessCd>
        <TotalRevenueColumnAmt>101515</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>101515</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>IT Support Service Fee</Desc>
        <BusinessCd>541519</BusinessCd>
        <TotalRevenueColumnAmt>20315</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>20315</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>Administrative Service</Desc>
        <BusinessCd>522291</BusinessCd>
        <TotalRevenueColumnAmt>11950</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>11950</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>All Other Program Serv</Desc>
        <BusinessCd>624229</BusinessCd>
        <TotalRevenueColumnAmt>1890</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1890</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>135670</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>42504</TotalRevenueColumnAmt>
        <ExclusionAmt>42504</ExclusionAmt>
      </InvestmentIncomeGrp>
      <GrossAmountSalesAssetsGrp>
        <SecuritiesAmt>180</SecuritiesAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <SecuritiesAmt>0</SecuritiesAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <SecuritiesAmt>180</SecuritiesAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>180</TotalRevenueColumnAmt>
        <ExclusionAmt>180</ExclusionAmt>
      </NetGainOrLossInvestmentsGrp>
      <OtherRevenueMiscGrp>
        <Desc>Forgiveness of debt</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>92491</TotalRevenueColumnAmt>
        <ExclusionAmt>92491</ExclusionAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>Miscellaneous Income</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>25269</TotalRevenueColumnAmt>
        <ExclusionAmt>25269</ExclusionAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>117760</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>8760562</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>135670</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>160444</ExclusionAmt>
      </TotalRevenueGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>123503</TotalAmt>
        <ProgramServicesAmt>87000</ProgramServicesAmt>
        <ManagementAndGeneralAmt>36503</ManagementAndGeneralAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>1005360</TotalAmt>
        <ProgramServicesAmt>791116</ProgramServicesAmt>
        <ManagementAndGeneralAmt>189586</ManagementAndGeneralAmt>
        <FundraisingAmt>24658</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <PensionPlanContributionsGrp>
        <TotalAmt>46868</TotalAmt>
        <ProgramServicesAmt>36707</ProgramServicesAmt>
        <ManagementAndGeneralAmt>9063</ManagementAndGeneralAmt>
        <FundraisingAmt>1098</FundraisingAmt>
      </PensionPlanContributionsGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>152443</TotalAmt>
        <ProgramServicesAmt>118619</ProgramServicesAmt>
        <ManagementAndGeneralAmt>30483</ManagementAndGeneralAmt>
        <FundraisingAmt>3341</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>89809</TotalAmt>
        <ProgramServicesAmt>69880</ProgramServicesAmt>
        <ManagementAndGeneralAmt>17962</ManagementAndGeneralAmt>
        <FundraisingAmt>1967</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>28674</TotalAmt>
        <ManagementAndGeneralAmt>28674</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>326864</TotalAmt>
        <ProgramServicesAmt>65866</ProgramServicesAmt>
        <ManagementAndGeneralAmt>260278</ManagementAndGeneralAmt>
        <FundraisingAmt>720</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>5614</TotalAmt>
        <ProgramServicesAmt>700</ProgramServicesAmt>
        <ManagementAndGeneralAmt>350</ManagementAndGeneralAmt>
        <FundraisingAmt>4564</FundraisingAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>20190</TotalAmt>
        <ProgramServicesAmt>1168</ProgramServicesAmt>
        <ManagementAndGeneralAmt>19022</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>162729</TotalAmt>
        <ProgramServicesAmt>15680</ProgramServicesAmt>
        <ManagementAndGeneralAmt>138707</ManagementAndGeneralAmt>
        <FundraisingAmt>8342</FundraisingAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>45067</TotalAmt>
        <ManagementAndGeneralAmt>45067</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>51060</TotalAmt>
        <ProgramServicesAmt>24451</ProgramServicesAmt>
        <ManagementAndGeneralAmt>26609</ManagementAndGeneralAmt>
      </TravelGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>86360</TotalAmt>
        <ProgramServicesAmt>77131</ProgramServicesAmt>
        <ManagementAndGeneralAmt>9229</ManagementAndGeneralAmt>
      </ConferencesMeetingsGrp>
      <InterestGrp>
        <TotalAmt>2976</TotalAmt>
        <ManagementAndGeneralAmt>2976</ManagementAndGeneralAmt>
      </InterestGrp>
      <PaymentsToAffiliatesGrp>
        <TotalAmt>3570673</TotalAmt>
        <ProgramServicesAmt>3570673</ProgramServicesAmt>
      </PaymentsToAffiliatesGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>5158</TotalAmt>
        <ManagementAndGeneralAmt>5158</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>15649</TotalAmt>
        <ManagementAndGeneralAmt>15649</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>Priority home repair</Desc>
        <TotalAmt>1970634</TotalAmt>
        <ProgramServicesAmt>1970634</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Down payment assistance</Desc>
        <TotalAmt>509906</TotalAmt>
        <ProgramServicesAmt>509906</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Prison build related</Desc>
        <TotalAmt>224721</TotalAmt>
        <ProgramServicesAmt>224721</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Miscellaneous</Desc>
        <TotalAmt>32514</TotalAmt>
        <ProgramServicesAmt>12266</ProgramServicesAmt>
        <ManagementAndGeneralAmt>20248</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>-41059</TotalAmt>
        <ProgramServicesAmt>4917</ProgramServicesAmt>
        <ManagementAndGeneralAmt>-45976</ManagementAndGeneralAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>8435713</TotalAmt>
        <ProgramServicesAmt>7581435</ProgramServicesAmt>
        <ManagementAndGeneralAmt>809588</ManagementAndGeneralAmt>
        <FundraisingAmt>44690</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>13873</BOYAmt>
        <EOYAmt>86789</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>3749989</BOYAmt>
        <EOYAmt>3046253</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>569027</BOYAmt>
        <EOYAmt>1089915</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <AccountsReceivableGrp>
        <BOYAmt>261054</BOYAmt>
        <EOYAmt>462790</EOYAmt>
      </AccountsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>21627</BOYAmt>
        <EOYAmt>44779</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>166259</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>158719</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>3668</BOYAmt>
        <EOYAmt>7540</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>74329</BOYAmt>
        <EOYAmt>83566</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>4693567</BOYAmt>
        <EOYAmt>4821632</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>754905</BOYAmt>
        <EOYAmt>416637</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>121299</BOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>1766</BOYAmt>
        <EOYAmt>0</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>877970</BOYAmt>
        <EOYAmt>416637</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>479487</BOYAmt>
        <EOYAmt>494639</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>3336110</BOYAmt>
        <EOYAmt>3910356</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>3815597</BOYAmt>
        <EOYAmt>4404995</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>4693567</BOYAmt>
        <EOYAmt>4821632</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>324849</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>7341</NetUnrlzdGainsLossesInvstAmt>
      <PriorPeriodAdjustmentsAmt>257208</PriorPeriodAdjustmentsAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>0</AccountantCompileOrReviewInd>
      <FSAuditedInd>1</FSAuditedInd>
      <FSAuditedBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>1</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>1</FederalGrantAuditRequiredInd>
      <FederalGrantAuditPerformedInd>1</FederalGrantAuditPerformedInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>3151657</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>3059673</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>3362530</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>8483035</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>8464448</CurrentTaxYearAmt>
        <TotalAmt>26521343</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>3151657</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>3059673</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>3362530</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>8483035</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>8464448</CurrentTaxYearAmt>
        <TotalAmt>26521343</TotalAmt>
      </TotalCalendarYear170Grp>
      <SubstantialContributorsTotAmt>28345</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>26492998</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>1489</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>2718</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>1923</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>24143</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>42504</CurrentTaxYearAmt>
        <TotalAmt>72777</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <UnrelatedBusinessNetIncm170Grp>
        <CurrentTaxYearMinus3YearsAmt>370</CurrentTaxYearMinus3YearsAmt>
        <TotalAmt>370</TotalAmt>
      </UnrelatedBusinessNetIncm170Grp>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus1YearAmt>100</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>117760</CurrentTaxYearAmt>
        <TotalAmt>117860</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>26712350</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>1025007</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.99180</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.98540</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>Schedule A, Part II, Line 10, Explanation of Other Income:</FormAndLineReferenceDesc>
        <ExplanationTxt>Other Income - 2023 Amount: $ 100. 2024 Amount: $ 117,760.</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1234500001">
      <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="RetDoc1040000001">
      <CYEndwmtFundGrp>
        <BeginningYearBalanceAmt>74329</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>9238</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>83567</EndYearBalanceAmt>
      </CYEndwmtFundGrp>
      <CYMinus1YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>65589</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>8740</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>74329</EndYearBalanceAmt>
      </CYMinus1YrEndwmtFundGrp>
      <CYMinus2YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>59462</BeginningYearBalanceAmt>
        <ContributionsAmt>35</ContributionsAmt>
        <InvestmentEarningsOrLossesAmt>6092</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>65589</EndYearBalanceAmt>
      </CYMinus2YrEndwmtFundGrp>
      <CYMinus3YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>67480</BeginningYearBalanceAmt>
        <ContributionsAmt>500</ContributionsAmt>
        <InvestmentEarningsOrLossesAmt>-8518</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>59462</EndYearBalanceAmt>
      </CYMinus3YrEndwmtFundGrp>
      <CYMinus4YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>51998</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>15482</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>67480</EndYearBalanceAmt>
      </CYMinus4YrEndwmtFundGrp>
      <BoardDesignatedBalanceEOYPct>0.56140</BoardDesignatedBalanceEOYPct>
      <PrmnntEndowmentBalanceEOYPct>0.25130</PrmnntEndowmentBalanceEOYPct>
      <TermEndowmentBalanceEOYPct>0.18730</TermEndowmentBalanceEOYPct>
      <EndowmentsHeldUnrelatedOrgInd>1</EndowmentsHeldUnrelatedOrgInd>
      <EndowmentsHeldRelatedOrgInd>0</EndowmentsHeldRelatedOrgInd>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>166259</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>158719</DepreciationAmt>
        <BookValueAmt>7540</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>7540</TotalBookValueLandBuildingsAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>The 990 is received by the organization's President/CEO who reviews the return for accuracy. Upon the president/CEO's approval, the 990 is filed. The 990 is subsequently shared with the board of directors.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>All directors, officers, and committee members are required annually to sign a statement which affirms that they have a copy of the conflict of interest policy, have read and understand the policy and agree to comply with the policy. In addition, the policy gives the organization the right to conduct periodic reviews at their discretion if there was a conflict of interest the board member would abstain from voting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>The executive committee reviews the compensation of the officers and any key employees and determines what is appropriate given their level and experience. They compare these salaries and benefits with those of comparable positions in the for-profit market.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, line 18</FormAndLineReferenceDesc>
        <ExplanationTxt>Documents are available on another's website.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>All documents are made available to the general public upon request. In addition, the form 990 is made available to the public on the website of Guidestar.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc1043400001">
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>Fair Lending Services</BusinessNameLine1Txt>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1Txt>618 S Creyts Rd Suite A</AddressLine1Txt>
          <CityNm>Lansing</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48917</ZIPCd>
        </USAddress>
        <EIN>852553363</EIN>
        <PrimaryActivitiesTxt>Lending</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501(c)(3)</ExemptCodeSectionTxt>
        <PublicCharityStatusTxt>Line 7</PublicCharityStatusTxt>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>Part VII</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <ControlledOrganizationInd>1</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <ReceiptOfIntAnntsRntsRyltsInd>0</ReceiptOfIntAnntsRntsRyltsInd>
      <GiftGrntOrCapContriToOthOrgInd>0</GiftGrntOrCapContriToOthOrgInd>
      <GiftGrntCapContriFromOthOrgInd>0</GiftGrntCapContriFromOthOrgInd>
      <LoansOrGuaranteesToOtherOrgInd>1</LoansOrGuaranteesToOtherOrgInd>
      <LoansOrGuaranteesFromOthOrgInd>0</LoansOrGuaranteesFromOthOrgInd>
      <DivRelatedOrganizationInd>0</DivRelatedOrganizationInd>
      <AssetSaleToOtherOrgInd>0</AssetSaleToOtherOrgInd>
      <AssetPurchaseFromOtherOrgInd>0</AssetPurchaseFromOtherOrgInd>
      <AssetExchangeInd>0</AssetExchangeInd>
      <RentalOfFacilitiesToOthOrgInd>0</RentalOfFacilitiesToOthOrgInd>
      <RentalOfFcltsFromOthOrgInd>0</RentalOfFcltsFromOthOrgInd>
      <PerformOfServicesForOthOrgInd>1</PerformOfServicesForOthOrgInd>
      <PerformOfServicesByOtherOrgInd>0</PerformOfServicesByOtherOrgInd>
      <SharingOfFacilitiesInd>0</SharingOfFacilitiesInd>
      <PaidEmployeesSharingInd>0</PaidEmployeesSharingInd>
      <ReimbursementPaidToOtherOrgInd>0</ReimbursementPaidToOtherOrgInd>
      <ReimbursementPaidByOtherOrgInd>0</ReimbursementPaidByOtherOrgInd>
      <TransferToOtherOrgInd>0</TransferToOtherOrgInd>
      <TransferFromOtherOrgInd>0</TransferFromOtherOrgInd>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>Fair Lending Services</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>L</TransactionTypeTxt>
        <InvolvedAmt>460540</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>Cash Value</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
    </IRS990ScheduleR>
  </ReturnData>
</Return>