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        <ExplanationTxt>FROM PRIOR YEARS FORM 990 10,500 UNREALIZED GAIN ON INVESTMENTS -4,898 NET INCREASE IN CSV LIFE INSURANCE 12,444 MISCELLANEOUS 1,575</ExplanationTxt>
      </Form990ScheduleAPartIVGrp>
    </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="RetDoc4">
      <InvstProgramRelatedOrgGrp>
        <Desc>NET CASH VALUE OF LIFE INSURANCE</Desc>
        <BookValueAmt>87199</BookValueAmt>
        <MethodValuationCd>F</MethodValuationCd>
      </InvstProgramRelatedOrgGrp>
      <TotalBookValueProgramRltdAmt>87199</TotalBookValueProgramRltdAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleI documentId="RetDoc5">
      <GrantRecordsMaintainedInd>false</GrantRecordsMaintainedInd>
      <RecipientTable>
        <RecipientBusinessName>
          <BusinessNameLine1>NEFBA BUILDER CARE</BusinessNameLine1>
        </RecipientBusinessName>
        <USAddress>
          <AddressLine1>103 CENTURY 21 DRIVE</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32216</ZIPCode>
        </USAddress>
        <RecipientEIN>593742789</RecipientEIN>
        <IRCSectionDesc>3</IRCSectionDesc>
        <CashGrantAmt>26868</CashGrantAmt>
      </RecipientTable>
      <RecipientTable>
        <RecipientBusinessName>
          <BusinessNameLine1>HABITAT FOR HUMANITY JACKSONVILLE</BusinessNameLine1>
        </RecipientBusinessName>
        <USAddress>
          <AddressLine1>2404 HUBBARD STREET</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32206</ZIPCode>
        </USAddress>
        <RecipientEIN>592880071</RecipientEIN>
        <IRCSectionDesc>3</IRCSectionDesc>
        <CashGrantAmt>16666</CashGrantAmt>
      </RecipientTable>
      <RecipientTable>
        <RecipientBusinessName>
          <BusinessNameLine1>THE MONIQUE BURR FOUNDATION</BusinessNameLine1>
        </RecipientBusinessName>
        <USAddress>
          <AddressLine1>7807 BAYMEADOWS ROAD E</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32256</ZIPCode>
        </USAddress>
        <RecipientEIN>593482715</RecipientEIN>
        <IRCSectionDesc>3</IRCSectionDesc>
        <CashGrantAmt>6459</CashGrantAmt>
      </RecipientTable>
      <RecipientTable>
        <RecipientBusinessName>
          <BusinessNameLine1>BIG BEND HABITAT FOR HUMANITY</BusinessNameLine1>
        </RecipientBusinessName>
        <USAddress>
          <AddressLine1>2921 ROBERTS AVAENUE</AddressLine1>
          <City>TALLAHASSEE</City>
          <State>FL</State>
          <ZIPCode>32310</ZIPCode>
        </USAddress>
        <RecipientEIN>592252756</RecipientEIN>
        <IRCSectionDesc>3</IRCSectionDesc>
        <CashGrantAmt>75926</CashGrantAmt>
      </RecipientTable>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE I, PAGE 1, PART I, LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>THE AMOUNTS LISTED IN PART II REPRESENT CHARITABLE CONTRIBUTIONS MADE BY THE FOUNDATION AND ARE NOT CONSIDERED GRANTS. THE CHARITABLE CONTRIBUTIONS ARE NOT SUBJECT TO MONITORING BY THE FOUNDATION.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleI>
    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS DELIVERED TO THE EXECUTIVE DIRECTOR FOR REVIEW AND APPROVAL. IF QUESTIONS OR CONCERNS ARISE DURING THE REVIEW OF THE RETURN, THE EXECUTIVE DIRECTOR CONTACTS THE ACCOUNTANTS FOR EXPLANATION AND SUPPLEMENTAL INFORMATION, IF REQUIRED. AFTER THE EXECUTIVE DIRECTOR APPROVES THE FORM 990, THE ACCOUNTANTS ARE AUTHORIZED TO E-FILE THE RETURN.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND TAX FILINGS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 12, PART XII, LINE 1</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION USES THE MODIFIED CASH BASIS OF ACCOUNTING. THIS METHOD HAS BEEN EMPLOYED BY THE ORGANIZATION SINCE ITS INCEPTION.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc7">
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1>NEFBA</BusinessNameLine1>
          <BusinessNameLine2>ASSOCIATION</BusinessNameLine2>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1>103 CENTURY 21 DR SUITE 100</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32216</ZIPCode>
        </USAddress>
        <EIN>596135518</EIN>
        <PrimaryActivitiesTxt>CONST IND</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>FL</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C6</ExemptCodeSectionTxt>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1>GREATER JACKSONVILLE COMMUNITIES</BusinessNameLine1>
          <BusinessNameLine2>INC</BusinessNameLine2>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1>103 CENTURY 21 DR SUITE 100</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32216</ZIPCode>
        </USAddress>
        <EIN>201581398</EIN>
        <PrimaryActivitiesTxt>URBAN REN.</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>FL</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C3</ExemptCodeSectionTxt>
        <PublicCharityStatusTxt>7</PublicCharityStatusTxt>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1>NEFBA BUILDERS CARE</BusinessNameLine1>
          <BusinessNameLine2>ASSOCIATION BUILDERS CARE</BusinessNameLine2>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1>103 CENTURY 21 DR SUITE 100</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32216</ZIPCode>
        </USAddress>
        <EIN>593742789</EIN>
        <PrimaryActivitiesTxt>COM SRV</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>FL</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C3</ExemptCodeSectionTxt>
        <PublicCharityStatusTxt>9</PublicCharityStatusTxt>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <ReceiptOfIntAnntsRntsRyltsInd>false</ReceiptOfIntAnntsRntsRyltsInd>
      <GiftGrntOrCapContriToOthOrgInd>false</GiftGrntOrCapContriToOthOrgInd>
      <GiftGrntCapContriFromOthOrgInd>false</GiftGrntCapContriFromOthOrgInd>
      <LoansOrGuaranteesToOtherOrgInd>false</LoansOrGuaranteesToOtherOrgInd>
      <LoansOrGuaranteesFromOthOrgInd>false</LoansOrGuaranteesFromOthOrgInd>
      <DivRelatedOrganizationInd>false</DivRelatedOrganizationInd>
      <AssetSaleToOtherOrgInd>false</AssetSaleToOtherOrgInd>
      <AssetPurchaseFromOtherOrgInd>false</AssetPurchaseFromOtherOrgInd>
      <AssetExchangeInd>false</AssetExchangeInd>
      <RentalOfFacilitiesToOthOrgInd>false</RentalOfFacilitiesToOthOrgInd>
      <RentalOfFcltsFromOthOrgInd>false</RentalOfFcltsFromOthOrgInd>
      <PerformOfServicesForOthOrgInd>false</PerformOfServicesForOthOrgInd>
      <PerformOfServicesByOtherOrgInd>false</PerformOfServicesByOtherOrgInd>
      <SharingOfFacilitiesInd>false</SharingOfFacilitiesInd>
      <PaidEmployeesSharingInd>false</PaidEmployeesSharingInd>
      <ReimbursementPaidToOtherOrgInd>false</ReimbursementPaidToOtherOrgInd>
      <ReimbursementPaidByOtherOrgInd>false</ReimbursementPaidByOtherOrgInd>
      <TransferToOtherOrgInd>false</TransferToOtherOrgInd>
      <TransferFromOtherOrgInd>false</TransferFromOtherOrgInd>
    </IRS990ScheduleR>
  </ReturnData>
</Return>