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      <Interest>
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        <Total>6903</Total>
        <ManagementAndGeneral>6903</ManagementAndGeneral>
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      <Insurance>
        <Total>5626</Total>
        <ManagementAndGeneral>5626</ManagementAndGeneral>
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      <OtherExpenses>
        <Description>PROVISION FOR LOAN LOSSES</Description>
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      <LandBldgEquipmentAccumDeprec>23010</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
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      <InvestmentsProgramRelated>
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      <IntangibleAssets>
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      <OtherAssetsTotal>
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      <TotalAssets>
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      <AccountsPayableAccruedExpenses>
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        <EOY>18348</EOY>
      </AccountsPayableAccruedExpenses>
      <TotalLiabilities>
        <BOY>31860</BOY>
        <EOY>18348</EOY>
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      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
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        <EOY>32176632</EOY>
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        <EOY>1446254</EOY>
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      <PermanentlyRestrictedNetAssets>
        <BOY>146568</BOY>
        <EOY>146568</EOY>
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        <EOY>33769454</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>32033750</BOY>
        <EOY>33787802</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>-1042327</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>2809891</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>false</FederalGrantAuditPerformed>
    </IRS990>
    <IRS990ScheduleA documentId="IRS990ScheduleA" softwareId="11000144" softwareVersion="2011v1.5">
      <PubliclySupportedOrg170b1Avi>X</PubliclySupportedOrg170b1Avi>
      <GiftsGrantsContribReceived170>
        <CurrentTaxYearMinus4Years>727237</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>416692</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>1745786</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>932483</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>332016</CurrentTaxYear>
        <Total>4154214</Total>
      </GiftsGrantsContribReceived170>
      <TaxRevLeviedForOrgBenefit170>
        <Total>0</Total>
      </TaxRevLeviedForOrgBenefit170>
      <ValueSrvcFcltsFurnishedByGovt>
        <Total>0</Total>
      </ValueSrvcFcltsFurnishedByGovt>
      <Total170>
        <CurrentTaxYearMinus4Years>727237</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>416692</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>1745786</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>932483</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>332016</CurrentTaxYear>
        <Total>4154214</Total>
      </Total170>
      <AmountsSubstContributorsTotal>1779662</AmountsSubstContributorsTotal>
      <PublicSupportTotal170>2374552</PublicSupportTotal170>
      <GrossInvestmentIncome170>
        <CurrentTaxYearMinus4Years>1191876</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>756268</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>713402</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>851471</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>978513</CurrentTaxYear>
        <Total>4491530</Total>
      </GrossInvestmentIncome170>
      <NetUBI>
        <Total>0</Total>
      </NetUBI>
      <OtherIncome170>
        <Total>0</Total>
      </OtherIncome170>
      <TotalSupport>8645744</TotalSupport>
      <PublicSupportPertcentage170>0.27460</PublicSupportPertcentage170>
      <PublicSupportPertcentPriorYear>0.34500</PublicSupportPertcentPriorYear>
      <ThirtyThreePercntTestsPY170>X</ThirtyThreePercntTestsPY170>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="IRS990ScheduleB" softwareId="11000144" softwareVersion="2011v1.5">
      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="IRS990ScheduleD" softwareId="11000144" softwareVersion="2011v1.5">
      <CurrentYear>
        <BeginningOfYearBalance>1394329</BeginningOfYearBalance>
        <InvestmentEarningsOrLosses>110974</InvestmentEarningsOrLosses>
        <AdministrativeExpenses>5387</AdministrativeExpenses>
        <EndOfYearBalance>1499916</EndOfYearBalance>
      </CurrentYear>
      <CurrentYearMinus1Year>
        <BeginningOfYearBalance>854143</BeginningOfYearBalance>
        <Contributions>559772</Contributions>
        <InvestmentEarningsOrLosses>-12331</InvestmentEarningsOrLosses>
        <AdministrativeExpenses>7255</AdministrativeExpenses>
        <EndOfYearBalance>1394329</EndOfYearBalance>
      </CurrentYearMinus1Year>
      <CurrentYearMinus2Years>
        <BeginningOfYearBalance>138643</BeginningOfYearBalance>
        <Contributions>668120</Contributions>
        <InvestmentEarningsOrLosses>56011</InvestmentEarningsOrLosses>
        <AdministrativeExpenses>8631</AdministrativeExpenses>
        <EndOfYearBalance>36674</EndOfYearBalance>
      </CurrentYearMinus2Years>
      <PermanentEndowmentEOYBalance>0.09770</PermanentEndowmentEOYBalance>
      <TermEndowmentEOYBalance>0.90230</TermEndowmentEOYBalance>
      <EndowmentsHeldByUnrelatedOrgs>false</EndowmentsHeldByUnrelatedOrgs>
      <EndowmentsHeldByRelatedOrgs>false</EndowmentsHeldByRelatedOrgs>
      <AreRelatedOrgsListedScheduleR>false</AreRelatedOrgsListedScheduleR>
      <Equipment>
        <OtherCostOrOtherBasis>35411</OtherCostOrOtherBasis>
        <Depreciation>23010</Depreciation>
        <BookValue>12401</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>12401</TotalOfBookValueLandBuildings>
      <FinancialDerivatives>
        <BookValue>4556785</BookValue>
        <MethodOfValuation>F</MethodOfValuation>
      </FinancialDerivatives>
      <TotalOfBookValueSecurities>6218345</TotalOfBookValueSecurities>
      <TotalRevenue>1346033</TotalRevenue>
      <TotalExpenses>2388360</TotalExpenses>
      <ExcessOrDeficitForYear>-1042327</ExcessOrDeficitForYear>
      <NetUnrealizedGLOnInvestments>2809891</NetUnrealizedGLOnInvestments>
      <TotalAdjustments>2809891</TotalAdjustments>
      <ExcessOrDeficitPerFS>1767564</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>4024108</TotRevenueEtcAuditedFinclStmt>
      <NetUnrealizedGainsInvestments>2809891</NetUnrealizedGainsInvestments>
      <RevenueNotRptdF990>2809891</RevenueNotRptdF990>
      <RevenueSubtotal>1214217</RevenueSubtotal>
      <InvestmentExpensesNotIncluded>131816</InvestmentExpensesNotIncluded>
      <RevenueNotRptdOnFinStmt>131816</RevenueNotRptdOnFinStmt>
      <TotalRevenuePerForm990>1346033</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>2256544</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>2256544</ExpensesSubtotal>
      <InvestmentExpensesNotIncluded2>131816</InvestmentExpensesNotIncluded2>
      <ExpensesNotRptdOnFinStmt>131816</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>2388360</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleF documentId="IRS990ScheduleF" softwareId="11000144" softwareVersion="2011v1.5">
      <GrantRecordsMaintained>true</GrantRecordsMaintained>
      <AcctsActvsOutUSTable>
        <Region>SUB-SAHARAN AFRICA</Region>
        <NumberOfOffices>0</NumberOfOffices>
        <NumberOfEmployees>1</NumberOfEmployees>
        <TypeOfActivitiesConducted>GRANTMAKING</TypeOfActivitiesConducted>
        <SpecificServicesProvided>NONE</SpecificServicesProvided>
        <TotalExpenditures>242137</TotalExpenditures>
      </AcctsActvsOutUSTable>
      <AcctsActvsOutUSTable>
        <Region>SOUTH AMERICA</Region>
        <NumberOfOffices>0</NumberOfOffices>
        <NumberOfEmployees>0</NumberOfEmployees>
        <TypeOfActivitiesConducted>GRANTMAKING</TypeOfActivitiesConducted>
        <SpecificServicesProvided>NONE</SpecificServicesProvided>
        <TotalExpenditures>26032</TotalExpenditures>
      </AcctsActvsOutUSTable>
      <AcctsActvsOutUSTable>
        <Region>EUROPE</Region>
        <NumberOfOffices>0</NumberOfOffices>
        <NumberOfEmployees>0</NumberOfEmployees>
        <TypeOfActivitiesConducted>GRANTMAKING</TypeOfActivitiesConducted>
        <SpecificServicesProvided>NONE</SpecificServicesProvided>
        <TotalExpenditures>83636</TotalExpenditures>
      </AcctsActvsOutUSTable>
      <SubtotalNumberOfEmployees>1</SubtotalNumberOfEmployees>
      <TotalNumberOfEmployees>1</TotalNumberOfEmployees>
      <SubtotalAmountSpent>351805</SubtotalAmountSpent>
      <TotalAmountSpent>351805</TotalAmountSpent>
      <NoRecipientOver5K>X</NoRecipientOver5K>
      <GrantsToIndOutsideUS>
        <TypeOfAssistance>NEED BASED POSTSECONDARY/VOCATIONAL</TypeOfAssistance>
        <Region>SUB-SAHARAN AFRICA</Region>
        <NumberOfRecipients>125</NumberOfRecipients>
        <AmountOfCashGrant>242137</AmountOfCashGrant>
        <MannerOfCashDisbursement>WIRE TRANSFER</MannerOfCashDisbursement>
      </GrantsToIndOutsideUS>
      <GrantsToIndOutsideUS>
        <TypeOfAssistance>NEED BASED POSTSECONDARY/VOCATIONAL</TypeOfAssistance>
        <Region>EUROPE</Region>
        <NumberOfRecipients>37</NumberOfRecipients>
        <AmountOfCashGrant>83636</AmountOfCashGrant>
        <MannerOfCashDisbursement>WIRE TRANSFER</MannerOfCashDisbursement>
      </GrantsToIndOutsideUS>
      <GrantsToIndOutsideUS>
        <TypeOfAssistance>NEED BASED EDUCATION GRANTS-NURSING</TypeOfAssistance>
        <Region>SOUTH AMERICA</Region>
        <NumberOfRecipients>8</NumberOfRecipients>
        <AmountOfCashGrant>26032</AmountOfCashGrant>
        <MannerOfCashDisbursement>WIRE TANSFER</MannerOfCashDisbursement>
      </GrantsToIndOutsideUS>
      <TransferToForeignCorp>false</TransferToForeignCorp>
      <InterestInForeignTrust>false</InterestInForeignTrust>
      <OwnForeignCorp>false</OwnForeignCorp>
      <PassiveForeignInvestCo>false</PassiveForeignInvestCo>
      <ForeignPartnership>false</ForeignPartnership>
      <BoycottCountries>false</BoycottCountries>
      <Form990ScheduleFPartV>
        <Identifier>Grantmaker's Description of How Grants are Used in Foreign Country</Identifier>
        <Explanation>use of grants is controlled by making funds payable directly to universities, colleges, or other educational institutions, for benefit of the award recipient. The schools contact us to refund award if student withdrawals. We also have regional agents and volunteers that interview the students.</Explanation>
      </Form990ScheduleFPartV>
    </IRS990ScheduleF>
    <IRS990ScheduleI documentId="IRS990ScheduleI" softwareId="11000144" softwareVersion="2011v1.5">
      <NoGrantMoreThan5000>X</NoGrantMoreThan5000>
      <TotalNbrOf501C3AndGovtGrants>0</TotalNbrOf501C3AndGovtGrants>
      <TotalNbrOfOtherOrganizations>0</TotalNbrOfOtherOrganizations>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>Need Based-Postsecondary Grant</TypeOfGrant>
        <NumberOfRecipients>168</NumberOfRecipients>
        <AmountOfCashGrant>404487</AmountOfCashGrant>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>Need Based-CS Nurses Ed Grant</TypeOfGrant>
        <NumberOfRecipients>130</NumberOfRecipients>
        <AmountOfCashGrant>107400</AmountOfCashGrant>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>CS Youth Leadership Programs</TypeOfGrant>
        <NumberOfRecipients>162</NumberOfRecipients>
        <AmountOfCashGrant>149980</AmountOfCashGrant>
      </Form990ScheduleIPartIII>
    </IRS990ScheduleI>
    <IRS990ScheduleO documentId="IRS990ScheduleO" softwareId="11000144" softwareVersion="2011v1.5">
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 19</Identifier>
        <ReturnReference>Form 990, Part VI, Line 19: Other Organization Documents Publicly Available</ReturnReference>
        <Explanation>Documents are available upon request.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 15b</Identifier>
        <ReturnReference>Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees</ReturnReference>
        <Explanation>Finance Director, same process as above.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 12c</Identifier>
        <ReturnReference>Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts</ReturnReference>
        <Explanation>Finance Director collects annual written conflict of interest statements from TDOKEs and any disclosures are reported to the Board and are then subject to proceedings described in the policy.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 11</Identifier>
        <ReturnReference>Form 990, Part VI, Line 11: Form 990 Review Process</ReturnReference>
        <Explanation>30 days prior to filing deadline or 30 days prior to the last ABF scheduled board meeting that occurs before the filing deadline, the draft that has been reviewed by the CEO shall be reviewed by the audit committee. The audit committee will prepare comments and submit to board, along with 990, at the meeting occuring prior to the deadline, for the full board to then either approve the latest draft for filing or approve it subject to conditions.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 8</Identifier>
        <ReturnReference>Form 990, Part VI, Line 8 : Explanation of No Contemporaneously Documentation of Meetings</ReturnReference>
        <Explanation>There are no committees with authority to act on behalf of the governing board.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part III, Line 4d</Identifier>
        <ReturnReference>Form 990, Part III, Line 4d : Other Program Services Description</ReturnReference>
        <Explanation>OTHER PROGRAM SERVICES 4: Provided National Leadership grants to christian Science students. OTHER PROGRAM SERVICES 5: Post-secondary program - Student Loans. OTHER PROGRAM SERVICES 6: Camp counselor program. OTHER PROGRAM SERVICES 7: Other grant programs.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>