﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-05-14T17:00:28-04:00</ReturnTs>
    <TaxPeriodEndDt>2024-06-30</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>831476935</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>CHURCHBIZ TAX SERVICES</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>PO BOX 2257</AddressLine1Txt>
        <CityNm>ROUND ROCK</CityNm>
        <StateAbbreviationCd>TX</StateAbbreviationCd>
        <ZIPCd>78680</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>460639137</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>SEED EFFECT</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>SEED</BusinessNameControlTxt>
      <PhoneNum>8885053292</PhoneNum>
      <USAddress>
        <AddressLine1Txt>PO BOX 141223</AddressLine1Txt>
        <CityNm>DALLAS</CityNm>
        <StateAbbreviationCd>TX</StateAbbreviationCd>
        <ZIPCd>75214</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>MELISSA WILLIAMS</PersonNm>
      <PersonTitleTxt>EXECUTIVE DIRECTOR</PersonTitleTxt>
      <PhoneNum>8885053292</PhoneNum>
      <SignatureDt>2025-05-14</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>false</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>CHRISTOPHER D MALLONEE</PreparerPersonNm>
      <PTIN>P02394487</PTIN>
      <PhoneNum>5127870634</PhoneNum>
      <PreparationDt>2025-05-14</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990 accountingPeriodChangeCd="CHANGE OF ACCOUNTING PERIOD" accountingPeriodChangeApprvCd="FORM 1128 WAS APPROVED" documentId="RetDoc2" referenceDocumentId="RetDoc4">
      <PrincipalOfficerNm>MELISSA WILLIAMS</PrincipalOfficerNm>
      <GrossReceiptsAmt>1121198</GrossReceiptsAmt>
      <GroupReturnForAffiliatesInd>false</GroupReturnForAffiliatesInd>
      <Organization501c3Ind>X</Organization501c3Ind>
      <WebsiteAddressTxt>WWW.SEEDEFFECT.ORG</WebsiteAddressTxt>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <FormationYr>2012</FormationYr>
      <LegalDomicileStateCd>TX</LegalDomicileStateCd>
      <ActivityOrMissionDesc>SEED EFFECT'S MISSION IS TO PLANT THE SEEDS THAT OVERCOME POVERTY BY PROVIDING ACCESS TO ECONOMIC EMPOWERMENT, EDUCATION, AND SPIRITUAL DISCIPLESHIP IN MARGINALIZED COMMUNITIES AROUND THE WORLD.</ActivityOrMissionDesc>
      <VotingMembersGoverningBodyCnt>9</VotingMembersGoverningBodyCnt>
      <VotingMembersIndependentCnt>8</VotingMembersIndependentCnt>
      <TotalEmployeeCnt>0</TotalEmployeeCnt>
      <TotalVolunteersCnt>6</TotalVolunteersCnt>
      <TotalGrossUBIAmt>0</TotalGrossUBIAmt>
      <PYContributionsGrantsAmt>2214885</PYContributionsGrantsAmt>
      <CYContributionsGrantsAmt>1107917</CYContributionsGrantsAmt>
      <CYProgramServiceRevenueAmt>0</CYProgramServiceRevenueAmt>
      <PYInvestmentIncomeAmt>23393</PYInvestmentIncomeAmt>
      <CYInvestmentIncomeAmt>12781</CYInvestmentIncomeAmt>
      <PYOtherRevenueAmt>5709</PYOtherRevenueAmt>
      <CYOtherRevenueAmt>500</CYOtherRevenueAmt>
      <PYTotalRevenueAmt>2243987</PYTotalRevenueAmt>
      <CYTotalRevenueAmt>1121198</CYTotalRevenueAmt>
      <PYGrantsAndSimilarPaidAmt>1595362</PYGrantsAndSimilarPaidAmt>
      <CYGrantsAndSimilarPaidAmt>1025093</CYGrantsAndSimilarPaidAmt>
      <CYBenefitsPaidToMembersAmt>0</CYBenefitsPaidToMembersAmt>
      <PYSalariesCompEmpBnftPaidAmt>651327</PYSalariesCompEmpBnftPaidAmt>
      <CYSalariesCompEmpBnftPaidAmt>295701</CYSalariesCompEmpBnftPaidAmt>
      <CYTotalProfFndrsngExpnsAmt>0</CYTotalProfFndrsngExpnsAmt>
      <CYTotalFundraisingExpenseAmt>52811</CYTotalFundraisingExpenseAmt>
      <PYOtherExpensesAmt>238179</PYOtherExpensesAmt>
      <CYOtherExpensesAmt>150205</CYOtherExpensesAmt>
      <PYTotalExpensesAmt>2484868</PYTotalExpensesAmt>
      <CYTotalExpensesAmt>1470999</CYTotalExpensesAmt>
      <PYRevenuesLessExpensesAmt>-240881</PYRevenuesLessExpensesAmt>
      <CYRevenuesLessExpensesAmt>-349801</CYRevenuesLessExpensesAmt>
      <TotalAssetsBOYAmt>1603944</TotalAssetsBOYAmt>
      <TotalAssetsEOYAmt>1277778</TotalAssetsEOYAmt>
      <TotalLiabilitiesBOYAmt>5428</TotalLiabilitiesBOYAmt>
      <TotalLiabilitiesEOYAmt>29067</TotalLiabilitiesEOYAmt>
      <NetAssetsOrFundBalancesBOYAmt>1598516</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>1248711</NetAssetsOrFundBalancesEOYAmt>
      <MissionDesc>SEED EFFECT'S MISSION IS TO PLANT THE SEEDS THAT OVERCOME POVERTY BY PROVIDING ACCESS TO ECONOMIC EMPOWERMENT, EDUCATION, AND SPIRITUAL DISCIPLESHIP IN MARGINALIZED COMMUNITIES AROUND THE WORLD.</MissionDesc>
      <SignificantNewProgramSrvcInd>false</SignificantNewProgramSrvcInd>
      <SignificantChangeInd>false</SignificantChangeInd>
      <ExpenseAmt>1165636</ExpenseAmt>
      <GrantAmt>1025093</GrantAmt>
      <Desc>IN JANUARY TO JUNE 2024, SEED EFFECT PROVIDED FUNDING THAT ENABLED SEED EFFECT UGANDA, AN INDEPENDENT ORGANIZATION IN UGANDA, TO LAUNCH SAVINGS AND LOAN GROUPS SERVING INDIVIDUALS. THIS CHRIST-CENTERED, SAVINGS-LED MICROFINANCE PROGRAM EMPOWERED THESE INDIVIDUALS TO BUILD CHRISTIAN COMMUNITY, STUDY GOD'S WORD, HAVE A SAFE PLACE TO SAVE, AND ACCESS SMALL LOANS TO SUPPORT INCOME GENERATION. 100% OF THESE GROUP MEMBERS HEARD THE GOSPEL AND HAD ACCESS TO ONGOING DISCIPLESHIP THROUGH WEEKLY MEETINGS AND IN PARTNERSHIP WITH THE LOCAL CHURCH.</Desc>
      <TotalProgramServiceExpensesAmt>1165636</TotalProgramServiceExpensesAmt>
      <DescribedInSection501c3Ind referenceDocumentId="RetDoc5">true</DescribedInSection501c3Ind>
      <ScheduleBRequiredInd referenceDocumentId="RetDoc1">true</ScheduleBRequiredInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>false</LobbyingActivitiesInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <DonorAdvisedFundInd referenceDocumentId="RetDoc3">false</DonorAdvisedFundInd>
      <ConservationEasementsInd referenceDocumentId="RetDoc3">false</ConservationEasementsInd>
      <CollectionsOfArtInd referenceDocumentId="RetDoc3">false</CollectionsOfArtInd>
      <CreditCounselingInd referenceDocumentId="RetDoc3">false</CreditCounselingInd>
      <DonorRstrOrQuasiEndowmentsInd referenceDocumentId="RetDoc3">false</DonorRstrOrQuasiEndowmentsInd>
      <ReportLandBuildingEquipmentInd referenceDocumentId="RetDoc3">false</ReportLandBuildingEquipmentInd>
      <ReportInvestmentsOtherSecInd referenceDocumentId="RetDoc3">false</ReportInvestmentsOtherSecInd>
      <ReportProgramRelatedInvstInd referenceDocumentId="RetDoc3">false</ReportProgramRelatedInvstInd>
      <ReportOtherAssetsInd referenceDocumentId="RetDoc3">false</ReportOtherAssetsInd>
      <ReportOtherLiabilitiesInd referenceDocumentId="RetDoc3">false</ReportOtherLiabilitiesInd>
      <IncludeFIN48FootnoteInd referenceDocumentId="RetDoc3">true</IncludeFIN48FootnoteInd>
      <IndependentAuditFinclStmtInd referenceDocumentId="RetDoc3">true</IndependentAuditFinclStmtInd>
      <ConsolidatedAuditFinclStmtInd referenceDocumentId="RetDoc3">false</ConsolidatedAuditFinclStmtInd>
      <SchoolOperatingInd>false</SchoolOperatingInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <ForeignActivitiesInd referenceDocumentId="RetDoc6">true</ForeignActivitiesInd>
      <MoreThan5000KToOrgInd referenceDocumentId="RetDoc6">true</MoreThan5000KToOrgInd>
      <MoreThan5000KToIndividualsInd referenceDocumentId="RetDoc6">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>false</DeductibleNonCashContriInd>
      <DeductibleArtContributionInd>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>0</EmployeeCnt>
      <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <TaxablePartyNotificationInd>false</TaxablePartyNotificationInd>
      <NondeductibleContributionsInd>false</NondeductibleContributionsInd>
      <QuidProQuoContributionsInd>true</QuidProQuoContributionsInd>
      <QuidProQuoContriDisclInd>true</QuidProQuoContriDisclInd>
      <Form8282PropertyDisposedOfInd>false</Form8282PropertyDisposedOfInd>
      <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
      <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
      <Form8899Filedind>false</Form8899Filedind>
      <IndoorTanningServicesInd>false</IndoorTanningServicesInd>
      <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      <SubjectToExcsTaxNetInvstIncInd>false</SubjectToExcsTaxNetInvstIncInd>
      <InfoInScheduleOPartVIInd>X</InfoInScheduleOPartVIInd>
      <GoverningBodyVotingMembersCnt>9</GoverningBodyVotingMembersCnt>
      <IndependentVotingMemberCnt>8</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>false</WhistleblowerPolicyInd>
      <DocumentRetentionPolicyInd>false</DocumentRetentionPolicyInd>
      <CompensationProcessCEOInd>true</CompensationProcessCEOInd>
      <CompensationProcessOtherInd>true</CompensationProcessOtherInd>
      <InvestmentInJointVentureInd>false</InvestmentInJointVentureInd>
      <UponRequestInd>X</UponRequestInd>
      <BooksInCareOfDetail>
        <BusinessName>
          <BusinessNameLine1Txt>CHURCH BUSINESS SUPPORT</BusinessNameLine1Txt>
        </BusinessName>
        <PhoneNum>5122225740</PhoneNum>
        <USAddress>
          <AddressLine1Txt>2501 CHAROLAIS CT</AddressLine1Txt>
          <CityNm>ROUND ROCK</CityNm>
          <StateAbbreviationCd>TX</StateAbbreviationCd>
          <ZIPCd>78681</ZIPCd>
        </USAddress>
      </BooksInCareOfDetail>
      <Form990PartVIISectionAGrp>
        <PersonNm>MELISSA WILLIAMS</PersonNm>
        <TitleTxt>EXECUTIVE DI</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>55251</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JUSTIN CONNER</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>SHARLA LANGSTON</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>DAVID LUTTRELL</PersonNm>
        <TitleTxt>BOARD CHAIR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KENT MCKEAIGG</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MIKE PERRY</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>LEXI REIFF</PersonNm>
        <TitleTxt>SECRETARY</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JEFF RICHARDS</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JIM WILSON</PersonNm>
        <TitleTxt>TREASURER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>55251</TotalReportableCompFromOrgAmt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <AllOtherContributionsAmt>1107917</AllOtherContributionsAmt>
      <TotalContributionsAmt>1107917</TotalContributionsAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>12781</TotalRevenueColumnAmt>
        <ExclusionAmt>12781</ExclusionAmt>
      </InvestmentIncomeGrp>
      <OtherRevenueMiscGrp>
        <Desc>MISCELLANEOUS REVENUE</Desc>
        <TotalRevenueColumnAmt>500</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>500</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>500</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1121198</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>500</RelatedOrExemptFuncIncomeAmt>
        <ExclusionAmt>12781</ExclusionAmt>
      </TotalRevenueGrp>
      <ForeignGrantsGrp>
        <TotalAmt>1025093</TotalAmt>
        <ProgramServicesAmt>1025093</ProgramServicesAmt>
      </ForeignGrantsGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>55251</TotalAmt>
        <ProgramServicesAmt>22795</ProgramServicesAmt>
        <ManagementAndGeneralAmt>20544</ManagementAndGeneralAmt>
        <FundraisingAmt>11912</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>174047</TotalAmt>
        <ProgramServicesAmt>89751</ProgramServicesAmt>
        <ManagementAndGeneralAmt>72621</ManagementAndGeneralAmt>
        <FundraisingAmt>11675</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>49277</TotalAmt>
        <ProgramServicesAmt>6754</ProgramServicesAmt>
        <ManagementAndGeneralAmt>22623</ManagementAndGeneralAmt>
        <FundraisingAmt>19900</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>17126</TotalAmt>
        <ProgramServicesAmt>6719</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5408</ManagementAndGeneralAmt>
        <FundraisingAmt>4999</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>19562</TotalAmt>
        <ManagementAndGeneralAmt>19562</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>42850</TotalAmt>
        <ManagementAndGeneralAmt>42850</ManagementAndGeneralAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>9755</TotalAmt>
        <ManagementAndGeneralAmt>9755</ManagementAndGeneralAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>16971</TotalAmt>
        <ManagementAndGeneralAmt>16971</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>5786</TotalAmt>
        <ProgramServicesAmt>441</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5345</ManagementAndGeneralAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>4978</TotalAmt>
        <ManagementAndGeneralAmt>4978</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>40285</TotalAmt>
        <ProgramServicesAmt>14083</ProgramServicesAmt>
        <ManagementAndGeneralAmt>26202</ManagementAndGeneralAmt>
      </TravelGrp>
      <OtherExpensesGrp>
        <Desc>SPECIAL EVENTS</Desc>
        <TotalAmt>4877</TotalAmt>
        <ManagementAndGeneralAmt>595</ManagementAndGeneralAmt>
        <FundraisingAmt>4282</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MEMBERSHIPS AND DUES</Desc>
        <TotalAmt>3828</TotalAmt>
        <ManagementAndGeneralAmt>3828</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>STAFF MEALS AND OTHER EXP</Desc>
        <TotalAmt>972</TotalAmt>
        <ManagementAndGeneralAmt>972</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>DONOR DEVELOPMENT</Desc>
        <TotalAmt>239</TotalAmt>
        <ManagementAndGeneralAmt>196</ManagementAndGeneralAmt>
        <FundraisingAmt>43</FundraisingAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>102</TotalAmt>
        <ManagementAndGeneralAmt>102</ManagementAndGeneralAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>1470999</TotalAmt>
        <ProgramServicesAmt>1165636</ProgramServicesAmt>
        <ManagementAndGeneralAmt>252552</ManagementAndGeneralAmt>
        <FundraisingAmt>52811</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>1488606</BOYAmt>
        <EOYAmt>1018385</EOYAmt>
      </CashNonInterestBearingGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>115338</BOYAmt>
        <EOYAmt>258243</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <EOYAmt>1150</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <TotalAssetsGrp>
        <BOYAmt>1603944</BOYAmt>
        <EOYAmt>1277778</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>5428</BOYAmt>
        <EOYAmt>29067</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>5428</BOYAmt>
        <EOYAmt>29067</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>906223</BOYAmt>
        <EOYAmt>843628</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>692293</BOYAmt>
        <EOYAmt>405083</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>1598516</BOYAmt>
        <EOYAmt>1248711</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>1603944</BOYAmt>
        <EOYAmt>1277778</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>-349801</ReconcilationRevenueExpnssAmt>
      <PriorPeriodAdjustmentsAmt>-4</PriorPeriodAdjustmentsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc5">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>1199536</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>2039836</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>2515958</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2214885</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1107917</CurrentTaxYearAmt>
        <TotalAmt>9078132</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>1199536</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>2039836</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>2515958</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2214885</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1107917</CurrentTaxYearAmt>
        <TotalAmt>9078132</TotalAmt>
      </TotalCalendarYear170Grp>
      <SubstantialContributorsTotAmt>219136</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>8858996</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>1481</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>1725</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>3565</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>23393</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>12781</CurrentTaxYearAmt>
        <TotalAmt>42945</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>9121077</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>18840</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.97130</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.94150</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </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="RetDoc3">
      <FootnoteTextInd>X</FootnoteTextInd>
      <TotalRevEtcAuditedFinclStmtAmt>1121198</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>1121198</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>1121198</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>1470999</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>1470999</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>1470999</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C) (3) OF THE UNITED STATES INTERNAL REVENUE CODE, EXCEPT ON NET INCOME DERIVED FROM UNRELATED BUSINESS ACTIVITY. A FAVORABLE DETERMINATION RELATED TO TAX EXEMPT STATUS WAS RECEIVED ON JULY 23, 2012, FROM THE INTERNAL REVENUE SERVICE. FOR THE SIX-MONTH PERIOD ENDED JUNE 30, 2024 THE ORGANIZATION HAS NO UNRELATED BUSINESS INCOME. ACCORDINGLY, NO PROVISION FOR INCOME TAXES IS MADE IN THE ACCOMPANYING FINANCIAL STATEMENTS. MANAGEMENT HAS EVALUATED THE ORGANIATION'S TAX POSITIONS AND HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS THAT WOULD NOT BE SUSTAINED IN A FEDERAL OR STATE INCOME TAX EXAMINATION. ACCORDINGLY, NO PROVISION FOR UNCERTAIN TAX POSITIONS HAS BEEN MADE IN THE ACCOMPANYING FINANCIAL STATEMENTS. THE ORGANIZATION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XI, LINE 4B</FormAndLineReferenceDesc>
        <ExplanationTxt>PRIOR YEAR ADJUSTMENTS 0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleF documentId="RetDoc6">
      <GrantRecordsMaintainedInd>false</GrantRecordsMaintainedInd>
      <AccountActivitiesOutsideUSGrp>
        <RegionTxt>SUB-SAHARAN AFRICA</RegionTxt>
        <TypeOfActivitiesConductedTxt>FUNDING SAVINGS PROG</TypeOfActivitiesConductedTxt>
        <SpecificServicesProvidedTxt>SAVINGS AND LOAN TRA</SpecificServicesProvidedTxt>
        <RegionTotalExpendituresAmt>1025093</RegionTotalExpendituresAmt>
      </AccountActivitiesOutsideUSGrp>
      <SubtotalSpentAmt>1025093</SubtotalSpentAmt>
      <TotalSpentAmt>1025093</TotalSpentAmt>
      <GrantsToOrgOutsideUSGrp>
        <PurposeOfGrantTxt>SAVINGS AND LOAN TRA</PurposeOfGrantTxt>
        <CashGrantAmt>1025093</CashGrantAmt>
        <MannerOfCashDisbursementTxt>WIRE TRANSFER</MannerOfCashDisbursementTxt>
      </GrantsToOrgOutsideUSGrp>
      <TransferToForeignCorpInd>false</TransferToForeignCorpInd>
      <InterestInForeignTrustInd>false</InterestInForeignTrustInd>
      <ForeignCorpOwnershipInd>false</ForeignCorpOwnershipInd>
      <PassiveForeignInvestmestCoInd>false</PassiveForeignInvestmestCoInd>
      <ForeignPartnershipInd>false</ForeignPartnershipInd>
      <BoycottCountriesInd>false</BoycottCountriesInd>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE F, PAGE 1, PART I, LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>GRANTS TO UGANDA ARE MADE UPON REQUEST FROM ORGANIZATIONS IN UGANDA. GRANT REQUESTS SPECIFY INTENDED USE OF FUNDS AND ARE REVIEWED BASED ON RECENT MONTHLY PROGRAM AND FINANCIAL REPORTS FROM THE ORGANIZATIONS REQUESTING THE GRANT. GRANT FUNDS ARE RECORDED, MONITORED AND REPORTED THROUGH FINANCIAL REPORTS SUBMITTED TO SEED EFFECT BY THE ORGANIZATIONS RECEIVING THE GRANTS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE F, PAGE 1, PART I, LINE 3</FormAndLineReferenceDesc>
        <ExplanationTxt>SUB-SAHARAN AFRICA 1,025,093 0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleF>
    <IRS990ScheduleO documentId="RetDoc4">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS INITIALLY REVIEWED BY THE OFFICER WHO WILL BE SIGNING THE FORM AND IS THEN PRESENTED TO THE ENTIRE BOARD FOR REVIEW AND APPROVAL.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD REGULARLY REVIEWS ALL TRANSACTIONS, ANNUALLY DISCLOSES CONFLICTS OF INTEREST, AND MONITORS ORGANIZATION ACTIVITIES FOR CONFLICTS OF INTEREST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION'S COMPENSATION POLICY REQUIRES GATHERING COMPARABLE COMPENSATION DATA, A CONTEMPORANEOUS WRITTEN RECORD, AND APPROVAL BY THE INDEPENDENT DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION'S COMPENSATION POLICY REQUIRES GATHERING COMPARABLE COMPENSATION DATA, A CONTEMPORANEOUS WRITTEN RECORD, AND APPROVAL BY THE INDEPENDENT DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>TO THE EXTENT NOT OTHERWISE PROVIDED IN THE 990, THE ITEMS ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>PRIOR YEAR ADJUSTMENTS 0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>