2025-11-14T07:20:33-06:00 2024-12-31 991856619 GRANT THORNTON ADVISORS LLC 53 STATE STREET SUITE 1600 BOSTON MA 02109 990 2024-01-01 132535763 ACCION INTERNATIONAL ACCI 2023935113 1101 15TH STREET NW SUITE 400 WASHINGTON DC 20005 PAULO SILVA CFO 2023935113 2025-11-14 1 1 ERIN COUTURE P01390592 6177237900 2024 2025-03-06 01:10:19Z MICHAEL SCHLEIN 1101 15TH STREET NW SUITE 400 WASHINGTON DC 20005 40007761 0 X WWW.ACCION.ORG X 1965 NY ACCION IS A GLOBAL NONPROFIT ON A MISSION TO CREATE A FAIR AND INCLUSIVE ECONOMY. WE ARE A LEADING EARLY-STAGE INVESTOR IN FINTECH FOR INCLUSION AND EXPERTS IN THE DIGITAL TRANSFORMATION OF FINANCIAL SERVICE PROVIDERS, WITH DECADES OF EXPERIENCE HARNESSING THE CAPITAL MARKETS TO ENABLE UNDERSERVED PEOPLE TO IMPROVE THEIR LIVES. WE WORK TO DEVELOP AND SCALE CHEAPER, MORE ACCESSIBLE AND CUSTOMER-FRIENDLY FINANCIAL SOLUTIONS FOR UNDERSERVED PEOPLE GLOBALLY 17 17 106 3 0 0 21491498 12028090 8960705 7355252 2800058 3587843 713128 792356 33965389 23763541 3563885 3792674 0 0 17600569 18348890 0 0 2996406 10061256 10985955 31225710 33127519 2739679 -9363978 372785749 310500603 6776883 6712645 366008866 303787958 X OUR MISSION IS TO CREATE A FAIR AND INCLUSIVE ECONOMY WHERE UNDERSERVED PEOPLE HAVE QUALITY FINANCIAL CHOICES AND OPPORTUNITIES TO IMPROVE THEIR ECONOMIC WELL-BEING. WE FIND AND HELP BUILD INNOVATIVE COMPANIES WITH THE POTENTIAL TO REACH LARGE NUMBERS OF UNDERSERVED PEOPLE AND ACCELERATE THEIR GROWTH. WE WORK WITH OUR PARTNERS TO DESIGN, TEST, AND DEPLOY AFFORDABLE DIGITAL SOLUTIONS THAT STRENGTHEN CLIENTS' FINANCIAL HEALTH AND ECONOMIC WELL-BEING. WE CONDUCT IN-DEPTH RESEARCH AND SHARE OUR LEARNINGS TO ADVANCE RESPONSIBLE FINANCIAL SOLUTIONS AND SYSTEMS. 0 0 11573499 2985610 809967 SEE SCHEDULE OGLOBAL PROGRAMS: TODAY, 1.6 BILLION PEOPLE ARE LEFT OUT OF OR POORLY SERVED BY THE WORLD'S FORMAL FINANCIAL SECTOR AND LACK THE FINANCIAL SOLUTIONS THEY NEED TO END POVERTY IN THEIR COMMUNITIES. ACCION IS A GLOBAL NONPROFIT COMMITTED TO CREATING A FAIR AND INCLUSIVE ECONOMY, HELPING FAMILIES AND BUSINESSES REACH THEIR ECONOMIC POTENTIAL AND BUILD BETTER LIVES. OUR GLOBAL PROGRAMS INCLUDE ACCION ADVISORY, A TEAM OF EXPERTS THAT HELPS COMPANIES PROVIDE INNOVATIVE AND AFFORDABLE FINANCIAL SOLUTIONS TO SMALL BUSINESSES AND HARD-TO-REACH CUSTOMERS IN EMERGING MARKETS. IT CONNECTS LOCAL ECOSYSTEM ACTORS, HARNESSING PHILANTHROPIC CAPITAL AND THE LATEST TECHNOLOGIES TO TEST, IMPROVE, AND SCALE RESPONSIBLE FINANCIAL SOLUTIONS THAT ENABLE SMALL BUSINESS OWNERS AND THEIR FAMILIES TO IMPROVE THEIR ECONOMIC WELL-BEING. IN 2024, ACCION ADVISORY USED ITS DEEP TECHNICAL EXPERTISE, LOCAL INSIGHTS, AND INDUSTRY CONNECTIONS TO DEVELOP MARKET-LED SOLUTIONS FOR HARD-TO-REACH CUSTOMERS, FOCUSING ON AREAS WHERE IT CAN ADD MAXIMUM VALUE TO TRANSFORM THE LIVES OF UNDERSERVED PEOPLE GLOBALLY: DIGITAL TRANSFORMATION, EMBEDDED FINANCE, WOMEN'S ECONOMIC EMPOWERMENT, AGRI-FINANCE, AND ALTERNATIVE DATA. 4531066 724204 5841960 SEE SCHEDULE OINVESTMENT STRATEGIES: AT ACCION, WE KNOW FINANCIAL SERVICES ARE POWERFUL TOOLS TO HELP REDUCE POVERTY AND CREATE OPPORTUNITY. WE FIND AND HELP BUILD INNOVATIVE COMPANIES WITH THE POTENTIAL TO REACH LARGE NUMBERS OF UNDERSERVED PEOPLE AND ACCELERATE THEIR GROWTH BY INVESTING CAPITAL AND PROVIDING STRATEGIC GOVERNANCE AND ADVICE. WE FOCUS ON SOCIAL IMPACT, DRIVING SYSTEMS-LEVEL CHANGE. WE MAKE EQUITY AND QUASI-EQUITY INVESTMENTS FROM PRE-SEED TO GROWTH-STAGE AND PRIORITIZE INVESTMENTS IN SOUTH AND SOUTHEAST ASIA, LATIN AMERICA, SUB-SAHARAN AFRICA, AND THE UNITED STATES. IN 2024, ACCION CONTINUED TO SUPPORT ITS PARTNERS TO DIGITIZE AND SCALE OPERATIONS SO THEY CAN SERVE VULNERABLE CLIENTS IN A RAPIDLY DIGITIZING WORLD. 3300007 0 114800 SEE SCHEDULE OCENTER FOR FINANCIAL INCLUSION: LAUNCHED IN 2008, THE CENTER FOR FINANCIAL INCLUSION (CFI) IS AN INDEPENDENT GLOBAL THINK TANK HOUSED AT ACCION THAT USES RIGOROUS RESEARCH AND ADVOCACY TO ADVANCE INCLUSIVE FINANCIAL SYSTEMS FOR LOW-INCOME PEOPLE AROUND THE WORLD. IT LEVERAGES PARTNERSHIPS TO CONDUCT RESEARCH, TEST PROMISING SOLUTIONS, AND THEN ADVOCATE FOR EVIDENCE-BASED CHANGE. CFI CONDUCTS RESEARCH RELATED TO ITS FOUR STRATEGIC PRIORITIES: CONSUMER PROTECTION, DATA RISKS AND OPPORTUNITIES, WOMEN'S FINANCIAL INCLUSION, AND FINANCIAL SERVICES TO MITIGATE AND ADAPT TO CLIMATE CHANGE. CFI HOSTS FINANCIAL INCLUSION WEEK, AN ANNUAL VIRTUAL EVENT THAT IN 2024 CONVENED MORE THAN 3,000 POLICY EXPERTS, FINANCIAL SERVICE PROVIDERS, ANALYSTS, AND INDUSTRY LEADERS TO DISCUSS THE MOST PRESSING TOPICS IN THE INCLUSIVE FINANCE SECTOR. IN 2024, CFI CONVENED THE RESPONSIBLE FINANCE FORUM (RFF) IN FORTALEZA, BRAZIL, BRINGING TOGETHER GLOBAL STAKEHOLDERS TO SHARE IDEAS, RESEARCH, AND SOLUTIONS ON EMERGING CONSUMER RISKS IN INCLUSIVE FINANCE. 2619372 82860 588525 EDUCATION AND COMMUNICATION: ACCION'S COMMUNICATIONS FOCUS ON THE TRANSFORMATIVE POWER OF FINANCIAL INCLUSION TO ACCELERATE SOCIAL AND ECONOMIC PROGRESS FOR UNDERSERVED COMMUNITIES AROUND THE WORLD. IN 2024, ACCION SHOWCASED THE IMPORTANCE OF DIGITAL FINANCIAL SOLUTIONS FOR ENTREPRENEURS AND INNOVATION THROUGH CLIENT-FOCUSED STORYTELLING, ALONG WITH PAPERS, TOOLKITS, AND CASE STUDIES PROMOTING WAYS OF BETTER MEETING THE NEEDS OF THE 1.6 BILLION PEOPLE WHO ARE LEFT OUT OR POORLY SERVED BY THE GLOBAL FINANCIAL SYSTEM. 2619372 82860 588525 22023944 1 1 0 0 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 1 1 1 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 1 1 0 1 X 60 0 1 106 1 0 1 MP IN CH CO PE 0 0 0 0 0 0 0 0 0 0 X 17 17 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 1 1 AL AK AR CA CO CT DC FL GA HI IL KS KY ME MD MA MI MN MS MO NV NH NJ NM NY NC ND OH OK OR PA RI SC TN UT VA WA WV WI X X PAULO SILVA 2023935113 1101 15TH STREET NW SUITE 400 WASHINGTON DC 20005 DIANA TAYLOR CHAIR 6.00 0.00 X X 0 0 0 RON HOGE VICE CHAIR 6.00 0.00 X X 0 0 0 BARBARA LUCAS VICE CHAIR 6.00 0.00 X X 0 0 0 PHILLIP RIESE TREASURER 6.00 0.00 X X 0 0 0 THOMAS C BARRY SECRETARY 6.00 0.00 X X 0 0 0 JULIET ANAMMAH DIRECTOR 1.00 0.00 X 0 0 0 BEVERLY ANDERSON DIRECTOR 1.00 0.00 X 0 0 0 TS ANIL DIRECTOR 1.00 0.00 X 0 0 0 BOB ANNIBALE DIRECTOR 1.00 0.00 X 0 0 0 TITUS BRENNINKMEIJER DIRECTOR 1.00 0.00 X 0 0 0 GINA HARMAN DIRECTOR (AS OF 02/26/24) 1.00 0.00 X 0 0 0 BETH HURVITZ DIRECTOR 1.00 0.00 X 0 0 0 TARA KENNEY DIRECTOR 1.00 0.00 X 0 0 0 LINDA KIRKPATRICK DIRECTOR 1.00 0.00 X 0 0 0 ELIZABETH MCCAUL DIRECTOR 1.00 0.00 X 0 0 0 HENRY MILLER DIRECTOR 1.00 0.00 X 0 0 0 ERAJ SHIRVANI DIRECTOR 1.00 0.00 X 0 0 0 MICHAEL SCHLEIN CEO 50.00 0.00 X 717650 0 37694 ESTEBAN ALTSCHUL COO (THRU 04/30/24) 50.00 0.00 X 646815 0 72650 LIVINGSTON PARSONS III CFO (THRU 09/30/24) 50.00 0.00 X 561450 0 51884 KARTHIK VENKATARAMAN COO (AS OF 05/01/24) 50.00 0.00 X 326987 0 27464 MARIA HERMIDA ASST. SEC & GENERAL COUNSEL 50.00 0.00 X 324124 0 21781 ELLEN BAUER ASSISTANT SECRETARY 50.00 0.00 X 110570 0 39688 PAULO SILVA CFO (AS OF 10/01/24) 50.00 0.00 X 75120 0 13932 JOHN FISCHER CIO 50.00 0.00 X 421544 0 62858 VICTORIA WHITE SENIOR VP 50.00 0.00 X 333492 0 64031 BRANDIE CONFORTI SENIOR VP 50.00 0.00 X 311130 0 37740 MELISSA BAEZ SENIOR VP 50.00 0.00 X 292635 0 50757 CHRIS COXON SENIOR VP 50.00 0.00 X 280773 0 45222 NATASA GORONJA SENIOR VP 50.00 0.00 X 249645 0 31585 RAMON SOTO VP 50.00 0.00 X 220847 0 32385 AMEE PARBHOO SENIOR VP 0.00 50.00 X 27361 274237 37420 4900143 274237 627091 56 1 1 0 ACCCION IMPACT MANAGEMENT 1101 15TH STREET NW SUITE 400 WASHINGTON DC 20005 PORTFOLIO MANAGEMENT 775962 MULTICULTURAL INSIGHTS 207 SAYRE DRIVE PRINCETON NJ 08540 CONSULTANCY SERVICES 410260 GRANT THORNTON LLP 33960 TREASURY CENTER CHICAGO IL 606943900 AUDIT SERVICES 224000 DIALOG CONCEPTS INC 3100 CLARENDON BLVD SUITE 510 ARLINGTON VA 22201 PROFESSIONAL SERVICES 187175 BPM LLP ONE CALIFORNIA STREET SUITE 2500 SAN FRANCISCO CA 94111 CONSULTANCY SERVICES 181538 10 4597 566544 11456949 74349 12028090 DIVIDENDS FROM PROG INV 523920 4646534 4646534 CONTRACT REVENUE 541900 1892985 1892985 HONORARIUM BOARD REP FEES 900099 789674 789674 MEMBERSHIP FEES 541900 26059 26059 7355252 3737320 3737320 21 21 792335 0 792335 792335 792335 16094743 16244220 -149477 -149477 -149477 23763541 7355252 0 4380199 724204 724204 82860 82860 2985610 2985610 3909733 2265595 1566101 78037 10993688 6192385 3033985 1767318 624164 331108 231208 61848 1812649 820431 763982 228236 1008656 518925 352581 137150 2171618 1914374 257244 380173 154281 211295 14597 333022 25372 304820 2830 893908 741509 152399 1893648 1553967 339681 15547 12003 1074 2470 307571 141232 139609 26730 1170079 809861 257854 102364 921686 548535 216777 156374 1268856 824283 333256 111317 1126349 1054373 41417 30559 6140 5189 670 281 33337 16998 11548 4791 210934 167508 32710 10716 253087 133341 116202 3544 33127519 22023944 8107169 2996406 2737617 2741846 59733001 70288617 14494514 15212548 4265597 3316929 6450000 191060 450615 834021 3104180 3096069 2901859 8111 2975035 3077655 278499174 212595608 278337 2234208 372785749 310500603 3466217 4386684 474479 875746 2836187 1450215 6776883 6712645 X 347836156 285695944 18172710 18092014 366008866 303787958 372785749 310500603 X -9363978 -40595917 -12260963 -50 X 0 1 X 1 0 X 5773114 6401866 6412044 21491498 12028090 52106612 5773114 6401866 6412044 21491498 12028090 52106612 20711986 31394626 2287908 1928996 3984476 3683671 4529676 16414727 68521339 29696182 0.45820 0.39810 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1946442 1950979 -4537 878658 867860 10798 279080 277230 1850 8111 BANCO SOLIDARIO S.A. 69708826 F ACCION FRONTIER INCLUSION FUND 44181841 F OTHER PROGRAM REL. INVESTMENT 53103066 F ACCION QUONA INCLUSION FUND 24139795 F ACCION AFRICA ASIA INVESTMENT 21462080 F 212595608 ROU ASSET-ACCORDING WITH ASC 842 1450215 1450215 X PART X, LINE 2: ACCION INTERNATIONAL IS A TAX-EXEMPT ORGANIZATION AS DESCRIBED IN SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE ("IRC") AND IS GENERALLY EXEMPT FROM INCOME TAXES PURSUANT TO SECTION 501(A). FUNDACION CENTRO ACCION MICROEMPRESARIAL AND ACCION TECHNICAL ADVISORS INDIA ARE REGISTERED CHARITABLE ORGANIZATIONS IN COLOMBIA AND INDIA, RESPECTIVELY. ACCION GATEWAY FUND, LLC, ACCION FRONTIER INCLUSION FUND GP, LLC, ACCION FRONTIER INCLUSION FUND LP, LLC, AND ACCION VENTURE LAB GP, LLC, ACCION QUONA INCLUSION FUND LP, LLC, ACCION QUONA INCLUSION FUND GP, LLC, SINGLE MEMBER LIMITED LIABILITY COMPANIES, ARE FULLY CONSOLIDATED ON THE FEDERAL FORM 990 OF THEIR SINGLE MEMBER, ACCION. ACCION AFRICA-ASIA INVESTMENT COMPANY, ACCION IMPACT MANAGEMENT LLC, AND ACCION IMPACT MANAGEMENT INDIA PVT LTD ARE TAXABLE SUBSIDIARIES OF ACCION, FILING THEIR OWN TAX RETURNS. THE INCOME TAX CONSEQUENCES, IF ANY, ARE REFLECTED IN THE CONSOLIDATED FINANCIAL STATEMENTS, AND DO NOT HAVE A MATERIAL EFFECT, INDIVIDUALLY OR IN AGGREGATE, UPON ACCION'S CONSOLIDATED FINANCIAL STATEMENTS. ACCION BELIEVES IT HAS TAKEN NO UNCERTAIN TAX POSITIONS. 1 CENTRAL AMERICA AND THE CARIBBEAN 0 0 PROGRAM SERVICES SEE PART V 17821 EAST ASIA AND THE PACIFIC 0 1 PROGRAM SERVICES SEE PART V 115584 EUROPE (INCLUDING ICELAND & GREENLAND) 0 8 PROGRAM SERVICES SEE PART V 1153 SOUTH AMERICA 1 30 PROGRAM SERVICES SEE PART V 665483 SOUTH ASIA 2 40 PROGRAM SERVICES SEE PART V 1622036 SUB-SAHARAN AFRICA 0 11 PROGRAM SERVICES SEE PART V 1034101 NORTH AMERICA - CANADA AND MEXICO 0 0 PROGRAM SERVICES SEE PART V 50078 RUSSIA AND NEIGHBORING STATES 0 0 PROGRAM SERVICES SEE PART V 128573 MIDDLE EAST AND NORTH AFRICA 0 0 PROGRAM SERVICES SEE PART V 74596 CENTRAL AMERICA AND THE CARIBBEAN 0 0 INVESTMENTS 2711075 EAST ASIA AND THE PACIFIC 0 0 INVESTMENTS 10874205 EUROPE (INCLUDING ICELAND & GREENLAND) 0 0 INVESTMENTS 2165120 MIDDLE EAST AND NORTH AFRICA 0 0 INVESTMENTS 5454156 NORTH AMERICA - CANADA AND MEXICO 0 0 INVESTMENTS 740214 SOUTH AMERICA 0 0 INVESTMENTS 71057522 SOUTH ASIA 0 0 INVESTMENTS 3278125 SUB-SAHARAN AFRICA 0 0 INVESTMENTS 23677424 SOUTH AMERICA 0 0 GRANTMAKING 1570000 SOUTH ASIA 0 0 GRANTMAKING 1415610 3 90 0 0 3 90 3634829 123018047 126652876 SOUTH ASIA PROGRAM ASSISTANCE 100000 WIRE 0 SOUTH AMERICA PROGRAM ASSISTANCE 150000 WIRE 0 SOUTH ASIA PROGRAM ASSISTANCE 1315610 WIRE 0 SOUTH AMERICA PROGRAM ASSISTANCE 1420000 WIRE 0 2 2 1 0 1 0 1 0 PART I, LINE 2: ACCION INTERNATIONAL'S ACCOUNTING, RESOURCE DEVELOPMENT AND RELEVANT PROGRAM DEPARTMENTS OVERSEE THE RECEIPT, DISTRIBUTION AND USE OF GRANT FUNDS, AND PROVIDE DONORS WITH DETAILED REPORTS BASED THEREON. PART I, COLUMN E: IF ACTIVITY LISTED IN PART I, COLUMN (D) IS A PROGRAM SERVICE, FOLLOWING IS THE SPECIFIC TYPE OF SERVICE IN THE REGION: MICROFINANCE-TECHNICAL ASSISTANCE, EDUCATION AND INVESTMENTS. PART I, II, III: THE ACCOUNTING METHOD USED FOR PARTS I, II AND III IS US GAAP/ACCRUAL BASIS. 1 ACCION IMPACT MANAGEMENT LLC 1101 15TH STREET NW SUITE 400 WASHINGTON DC 20005 863584816 C CORP 724204 0 PROGRAM ASSISTANCE 0 1 TUITION ASSISSANTCE FOR HBS PROGRAM 15 82860 PART I, LINE 2: ACCION'S ACCOUNTING AND RESOURCE DEVELOPMENT DEPARTMENTS OVERSEE THE RECEIPT, DISTRIBUTION AND USE OF GRANT FUNDS, AND PROVIDE DONORS WITH DETAILED REPORTS BASED THEREON. X X X 1 1 X X X X X 1 1 0 0 0 0 0 1 0 MICHAEL SCHLEIN CEO 577098 0 140072 0 480 0 0 0 37694 0 755344 0 0 0 ESTEBAN ALTSCHUL COO (THRU 04/30/24) 418863 0 59968 0 167984 0 23915 0 48735 0 719465 0 0 0 LIVINGSTON PARSONS III CFO (THRU 09/30/24) 235049 0 21907 0 304494 0 17526 0 34358 0 613334 0 0 0 JOHN FISCHER CIO 370680 0 50384 0 480 0 24828 0 38030 0 484402 0 0 0 VICTORIA WHITE SENIOR VP 293164 0 39848 0 480 0 21881 0 42150 0 397523 0 0 0 KARTHIK VENKATARAMAN COO (AS OF 05/01/24) 326667 0 0 0 320 0 18956 0 8508 0 354451 0 0 0 BRANDIE CONFORTI SENIOR VP 293550 0 17100 0 480 0 22787 0 14953 0 348870 0 0 0 MARIA HERMIDA ASST. SEC & GENERAL COUNSEL 282503 0 41141 0 480 0 21188 0 593 0 345905 0 0 0 MELISSA BAEZ SENIOR VP 258000 0 34155 0 480 0 16120 0 34637 0 343392 0 0 0 AMEE PARBHOO SENIOR VP 0 245191 0 28566 27361 480 0 14010 0 23410 27361 311657 0 0 CHRIS COXON SENIOR VP 244293 0 36000 0 480 0 18232 0 26990 0 325995 0 0 0 NATASA GORONJA SENIOR VP 249205 0 0 0 440 0 16734 0 14851 0 281230 0 0 0 RAMON SOTO VP 213867 0 6500 0 480 0 16722 0 15663 0 253232 0 0 0 ELLEN BAUER ASSISTANT SECRETARY 106158 0 3932 0 480 0 7962 0 31726 0 150258 0 0 0 PART I, LINE 1A HOUSING ALLOWANCE, TAX INDEMNIFICATION AND ONCE A YEAR HOME LEAVE FOR EMPLOYEES AND THE MEMBERS OF THEIR FAMILIES WERE PROVIDED TO ESTEBAN ALTSCHUL AS PART OF AN EXPATRIATE BENEFIT PACKAGE DURING THEIR TEMPORARY ASSIGNMENT TO A FOREIGN OFFICE. THESE AMOUNTS ARE INCLUDED IN TAXABLE COMPENSATION. PART I, LINES 4A-B SEVERANCE ONE LISTED INDIVIDUAL SEPARATED FROM THE ORGANIZATION IN CALENDAR YEAR 2024. PURSUANT TO THEIR AGREEMENT, THE INDIVIDUAL RECEIVED SEVERANCE AGREEMENTS, WHICH ARE INCLUDED ON SCHEDULE J, PART II, COLUMN B(III). SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN AMEE PARBHOO, PARTICIPATES IN A SUPPLEMENTAL NONQUALIFED RETIREMENT PLAN. $27,361 IS INCLUDED ON SCHEDULE J, PART II, COLUMN B(III) IN CONNECTION WITH THIS PLAN. PART I, LINE 7 EMPLOYEES IDENTIFIED IN SCHEDULE J, PART II(A), LINES 1 - 14 WERE ELIGIBLE FOR LIMITED INCENTIVE COMPENSATION BASED UPON PERFORMANCE IN THE PRIOR TAX YEAR. ANY SUCH COMPENSATION THAT IS AWARDED IS PART OF AND SUBJECT TO THE TOTAL COMPENSATION REVIEW AND APPROVAL PROCESS. X 6 74349 FAIR MARKET VALUE 2 0 1 0 PART I, COLUMN (B): NUMBER OF CONTRIBUTIONS OR ITEMS CONTRIBUTED THE NUMBER REPORTED IN PART I COLUMN (B) REPRESENTS THE NUMBER OF CONTRIBUTORS. FORM 990, PART VI, SECTION A, LINE 1A THE AUDIT, EXECUTIVE OR FINANCE COMMITTEE HAVE BEEN DELEGATED AUTHORITY TO ACT ON BEHALF OF THE BOARD OF DIRECTORS IN ACCORDANCE WITH THEIR COMMITTEE CHARTERS AND SUBJECT TO SUBSEQUENT RATIFICATION BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B THE FINANCE COMMITTEE REVIEWS THE 990 AND RECOMMENDS DISSEMINATION TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AND APPROVAL BEFORE IT IS FILED WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C ACCION INTERNATIONAL'S CONFLICT OF INTEREST POLICY REQUIRES ANNUAL DISCLOSURE OF ACTUAL OR POTENTIAL CONFLICTS OF INTEREST, INCLUDING ALL TRANSACTIONS, FINANCIAL INTERESTS, CONTRACTS, OR POSITIONS, CONDUCTED OR HELD BY THE OFFICER, DIRECTOR, OR KEY EMPLOYEE OR IMMEDIATE MEMBER OF HIS/HER FAMILY, WITH ANY BUSINESSES, CORPORATIONS, PARTNERSHIPS, PROPRIETORSHIPS THAT CARRY OUT ANY BUSINESS ACTIVITIES WITH ACCION INTERNATIONAL OR ANY OF ITS SUBSIDIARIES, INVESTEES, AFFILIATES OR OTHER PERSONS OR INSTITUTIONS IN ANY RELATED TO ACCION INTERNATIONAL. IN ADDITION TO THE ANNUAL DISCLOSURE REQUIREMENT, OFFICERS, DIRECTORS, AND KEY EMPLOYEES MUST ALSO DISCLOSE ANY POTENTIAL OR REAL CONFLICT OF INTEREST AS THEY ARISE. EACH REAL OR POTENTIAL CONFLICT MUST BE EVALUATED BY INDEPENDENT, DISINTERESTED DIRECTORS SERVING ON THE AUDIT & GOVERNANCE COMMITTEE OF THE BOARD OF DIRECTORS, AND IF A REAL OR POTENTIAL CONFLICT OF INTEREST IS DETERMINED TO EXIST, THAT CONFLICT SITUATION MUST BE DETERMINED TO BE FAIR AND REASONABLE TO THE CORPORATION AND THUS WAIVED BEFORE THE AFFECTED OFFICER, DIRECTOR, OR KEY EMPLOYEE MAY PROCEED. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION FOR OFFICERS, INCLUDING THE CEO, AND KEY EMPLOYEES IS APPROVED BY THE APPROPRIATE COMMITTEE OF THE BOARD OF DIRECTORS AFTER CONSIDERATION OF DATA PROVIDED BY THIRD PARTY EXPERTS WHICH INDICATES COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED ORGANIZATIONS. THE BOARD COMMITTEE WILL MAINTAIN CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO THE DELIBERATIONS AND DECISIONS REGARDING THE COMPENSATION ARRANGEMENTS. THE LAST EXTERNAL COMPENSATION STUDY WAS PEFORMED IN FEBRUARY OF 2024. FORM 990, PART VI, SECTION C, LINE 19 ACCION INTERNATIONAL'S AUDITED FINANCIAL STATEMENTS ARE AVAILABLE ON ITS WEBSITE AND ITS GOVERNING DOCUMENTS AND DIRECTOR CONFLICT OF INTEREST AND TRANSACTIONS WITH DISQUALIFIED PERSONS POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: ROUNDING ADJUSTMENT -50. 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