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        <Explanation>BEVERLY MORRIS AND CHARLES MORRIS ARE SPOUSES.</Explanation>
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      <GeneralExplanation>
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        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 11</ReturnReference>
        <Explanation>THE ORGANIZATION'S OFFICERS REVIEW THE FORM 990 PRIOR TO ITS FILING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>A CERTIFICATION OF THE CONFLICT OF INTEREST POLICY IS PERFORMED ANNUALLY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS,CONFLICT OF INTEREST POLICY,AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART XII, LINE 2C:</ReturnReference>
        <Explanation>THE ORGANIZATION'S PROCESS FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED FROM THE PRIOR YEAR.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc1043400001">
      <Form990ScheduleRPartII>
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          <BusinessNameLine1>CAMBA LEGAL SERVICESINC</BusinessNameLine1>
        </NameOfDisregardedEntity>
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          <AddressLine1>1720 CHURCH AVENUE 2ND FL</AddressLine1>
          <City>BROOKLYN</City>
          <State>NY</State>
          <ZIPCode>11226</ZIPCode>
        </AddressUS>
        <EIN>113153831</EIN>
        <PrimaryActivities>PROVIDE LEGAL COUNCIL AND REPRESENTATION TO LOW-INCOME</PrimaryActivities>
        <LegalDomicileState>NY</LegalDomicileState>
        <ExemptCodeSection>501(C)3</ExemptCodeSection>
        <PublicCharityStatus>7</PublicCharityStatus>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
        <ControlledOrg>0</ControlledOrg>
      </Form990ScheduleRPartII>
      <Form990ScheduleRPartII>
        <NameOfDisregardedEntity>
          <BusinessNameLine1>CAMBA ECONOMIC DEVELOPMENT CORP</BusinessNameLine1>
        </NameOfDisregardedEntity>
        <AddressUS>
          <AddressLine1>1720 CHURCH AVENUE 2ND FL</AddressLine1>
          <City>BROOKLYN</City>
          <State>NY</State>
          <ZIPCode>11226</ZIPCode>
        </AddressUS>
        <EIN>113546930</EIN>
        <PrimaryActivities>PROVIDE LOANS TO UNDER-SERVED BUSINESS AND POTENTIAL ENTREPRENEURS</PrimaryActivities>
        <LegalDomicileState>NY</LegalDomicileState>
        <ExemptCodeSection>501(C)3</ExemptCodeSection>
        <PublicCharityStatus>7</PublicCharityStatus>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
        <ControlledOrg>0</ControlledOrg>
      </Form990ScheduleRPartII>
      <Form990ScheduleRPartII>
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          <BusinessNameLine1>CAMBA HOUSING VENTURES INC</BusinessNameLine1>
        </NameOfDisregardedEntity>
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          <AddressLine1>1720 CHURCH AVENUE 2ND FL</AddressLine1>
          <City>BROOKLYN</City>
          <State>NY</State>
          <ZIPCode>11226</ZIPCode>
        </AddressUS>
        <EIN>550881162</EIN>
        <PrimaryActivities>DEVELOP SUSTAINABLE HOUSING WHILE ENHANCING NEIGHBORHOODS</PrimaryActivities>
        <LegalDomicileState>NY</LegalDomicileState>
        <ExemptCodeSection>501(C)3</ExemptCodeSection>
        <PublicCharityStatus>9</PublicCharityStatus>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
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      <Form990ScheduleRPartII>
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        </NameOfDisregardedEntity>
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          <City>BROOKLYN</City>
          <State>NY</State>
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        </AddressUS>
        <EIN>112480339</EIN>
        <PrimaryActivities>MULTI-SERVICE AGENCY WORKING TO IMPROVE ECONOMIC CONDITIONS IN NYC</PrimaryActivities>
        <LegalDomicileState>NY</LegalDomicileState>
        <ExemptCodeSection>501(C)3</ExemptCodeSection>
        <PublicCharityStatus>7</PublicCharityStatus>
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      <Form990ScheduleRPartII>
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          <BusinessNameLine1>CHV 1247 FLATBUSH AVENUE HDFC</BusinessNameLine1>
        </NameOfDisregardedEntity>
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          <City>BROOKLYN</City>
          <State>NY</State>
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        <LegalDomicileState>NY</LegalDomicileState>
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          <BusinessNameLine1>880 WILLOUGHBY HDFC</BusinessNameLine1>
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          <AddressLine1>1720 CHURCH AVENUE 2ND FL</AddressLine1>
          <City>BROOKLYN</City>
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      </Form990ScheduleRPartIII>
      <Form990ScheduleRPartIII>
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      <Form990ScheduleRPartIII>
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        </NameOfOtherOrganization>
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</Return>