2011-07-09T15:50:13-05:00 2010-12-31 Batts Morrison Wales & Lee PA 801 North Orange Avenue Suite 800 Orlando FL 32801 990 2010-01-01 651086387 Cross International Inc CROS 9546579000 600 SW 3rd Street No 2201 Pompano Beach FL 33060 James J Cavnar 9546579000 2011-07-01 1 4077706000 2011-07-01 2010 2016-02-24 21:20:13Z James J Cavnar 600 SW 3rd Street No 2201 Pompano Beach FL 33060 93478802 0 X crossinternational.org X 2001 FL Cross International cost effectively serves in more than 25 countries providing monetary and material aid to meet the needs of the poor for food, clothing, water, medicines, medical treatment, education, housing, and livelihood. Cross also engages in relief and recovery efforts in response to disasters such as the earthquake that struck Haiti January 12. 10 10 91 14 0 0 85914295 93411956 178309 28023 466 0 9881 -33141 86102951 93406838 80970865 88613654 0 0 1308999 1382439 35685 37018 1585162 2808772 3314182 85124321 93347293 978630 59545 4494421 4412580 3875184 3709554 619237 703026 X Cross International channels resources such as food, medicines and educational materials to the poor through a network of Christian churches and ministries already in place within their communities. Cross also gives financial grants to overseas churches and ministries serving the poor, to access local resources and thereby bolster their local economies. 0 0 49508813 49508813 Disaster Relief - On Tuesday, January 12, 2010, Haiti was shaken by a 7.0-magnitude earthquake that killed more than 220,000 people and left 1.5 million survivors suddenly homeless. In response, Cross immediately airlifted 50,000 lbs of food and medical supplies into Port-au-Prince and routed thousands of pounds of food already in Haiti to areas needing emergency relief. With banks and Western Union initially closed, Cross brought in emergency cash by private plane and provided immediate cash to Haitian ministry partners so they could purchase food, medicines, and other urgently-needed supplies while they were still locally available. Cross set up a staging area in Port-au-Prince and delivered food, water, and medicines to ministry partners in the region. Cross shipped $40 million in medical supplies and a mobile clinic to a hospital in Saint-Marc, and supported the work of a tent hospital in Port-au-Prince. Cross shipped $400,000 in donated food, medicine, tarps, wheelchairs, crutches, and other much-needed items to refugees in the south of Haiti, and provided food, tarps, and other life-sustaining supplies to refugees in Les Cayes, Leogane, Petionville,and outside Port-au-Prince. 26742917 26742917 General Support - Cross International is uniquely positioned to help overseas ministries with their specific or unexpected needs. In 2010, these targeted responses helped nearly 50 programs in 14 countries - Afghanistan, Bolivia, the Dominican Republic, Ecuador, Guatemala, Guyana, Haiti, Honduras, Malawi, Nicaragua, Peru, Philippines, St. Martin/St. Maarten, and Zambia. In each of these cases, a mission partner was able to obtain a specific resource quickly and effectively, allowing them to continue their work without disruption. 5151391 5151391 Focus on Medical - Cross International's medical aid focused on needs in nine countries - Afghanistan, Dominican Republic, Guatemala, Haiti, Honduras, Liberia, Philippines, Vietnam and Zambia. This outreach has had a wide-ranging impact. For example, a pediatric hospital was supported in the Dominican Republic, which provides extremely poor families with the only opportunity they have to overcome the disabilities of their handicapped children. In another case, home-based medical care was provided to the chronically ill in an impoverished area of Zambia. If it were not for the care they received, many patients would have left their children needlessly orphaned. Providing medicines, equipment and grants to these and other Christian medical projects is even more valuable when it makes effective use of facilities and staff members already in place. Some facilities would have been abandoned without this aid, and their staff members would have been jobless. By equipping them with resources necessary to provide services to their communities, Cross helps thousands of families who would have had no other option for quality medical care. 9465677 7210533 28023 4d Additional Program Services - Focus on OrphansCross International has responded to the needs of orphans in nine countries - Bolivia, Ecuador, Guatemala, Guyana, Haiti, Malawi, Mozambique, Nicaragua and Zambia. Efforts in Mozambique and Zambia have had a significant impact on children impacted by AIDS. These programs identify children who have lost parents to AIDS and place them - as family groups, whenever possible - in the homes of volunteers who provide parental care. Funding by Cross has enabled the programs to shelter thousands of otherwise homeless children and to supply the host families with food, medical care and other resources. Other programs funded in 2010 include traditional orphanages in Guatemala, Guyana, Haiti, Malawi and Nicaragua, and outreaches in Bolivia and Ecuador closely linked to schools that provide at-risk street children and orphans with a safe environment to learn.4d Additional Program Services - Focus on FoodFighting malnutrition is a priority for Cross International and the organization sponsored significant programs in 13 countries in 2010 as part of this mission. Countries included Afghanistan, Bolivia, Dominican Republic, Guatemala, Haiti, Honduras, Liberia, Nicaragua, Peru, the Philippines, St. Martin/St. Maarten, the U.S. and Zimbabwe. In all, more than 42 individual in-country partners were involved in the distribution of hundreds of thousands of Cross-sponsored meals throughout the year, including 16 earthquake-relief outreaches in Haiti. Hunger and eventual malnutrition cause both physical and mental disabilities in children, so many food shipments were specifically earmarked for distribution to infants, toddlers and adolescents. The impact of this focus was enhanced by using schools for poor children as a network for distribution. This not only produced a decrease in malnutrition and related medical disabilities in the areas targeted, but it also improved school performance among those children who were fed. Other unique projects included a major feeding program for street children in Bolivia; a project targeting hunger among families and the elderly in the Dominican Republic; and a campaign to supply 1 million meals worldwide in the form of "Vitafood" - pre-packaged nutritional meals that are easy to cook and serve. 4d Additional Program Services - EducationCross International's educational programs targeted needs in eight countries: Afghanistan, Bolivia, Dominican Republic, Ecuador, Guatemala, Haiti, Honduras and the Philippines. Although educational opportunities are technically offered by the governments in many of these countries, there are many practical problems with this service. In some cases, the government schools are substandard. In other cases, there are requirements that prohibit attendance by the poor - small tuition fees are still too high for parents to pay; requirements that supplies be purchased by parents cannot be met; and dress codes that include shoes or uniforms are beyond the means of some families. Cross has supplied a quality education to thousands of children in these positions by partnering with church-run schools that will accept such students and supply them with the materials and resources they need. Some of the specific projects Cross funded in 2010 also included tutoring programs aimed at supplementing the work of government schools. These outreaches not only provide educational services, but they also serve as refuges for children living in hostile or violent conditions.4d Additional Program Services - Water ProjectsCross International funded large-scale water projects in Vietnam and Zambia in 2010, establishing 43 wells and 50 water filtering systems in remote areas. Since water is crucial for both human consumption and support of agricultural/livestock projects, the organization targets both needs. The effort to provide safe drinking water typically involves comprehensive efforts that serve thousands of individuals in several surrounding communities. For example, Cross funded a water project that involved not only drilling wells in eight rural villages of Zambia, but also training the communities in sanitary hygiene practices and protecting the water table through construction of latrines. In areas where water projects are established the impact is immediate and dramatic. Water-borne diseases transmitted by unsafe water are a leading cause of death among the poor, particularly infants and young children. Supplying safe water produces a significant drop in infant mortality rates related to these diseases. By establishing new sources of safe water that can serve communities for years to come, Cross International's 2010 projects will protect thousands of families from illness and save hundreds of lives.4d Additional Program Services - HousingCross International undertook housing and house-building programs in four countries: Guatemala, Haiti, the Philippines and Vietnam. These programs had a variety of objectives. The program in Guatemala funded a safe house for families escaping domestic violence. In Guatemala, the funds were used to construct safe, stable homes for the poorest of the poor. In Vietnam, the projects were focused on replacing or repairing severely damaged roofs. In Haiti, Cross launched construction projects to provide housing to homeless earthquake survivors.4d Additional Program Services - Self-Help ProjectsThe focus of self-help projects in 2010 was the funding of micro-finance loans in the Philippines, enabling the partner ministry in that country to expand their services to more recipients. This program was focused on helping single mothers who struggle to support families. Through the loans, they are able to create small, self-sustaining businesses capable of producing enough income to meet their needs for food, medicines, the education of children and other benefits.4d Additional Program Services - ShippingCross International's shipping program often uses financial donations to transport and distribute donated goods ranging from food and medicines to office/school furniture and sophisticated medical equipment. The financial impact is significant because a donation of one dollar can place $80 or more worth of aid into the hands of the poor or the ministries serving them. Other times, Cross buys specific goods on the worldwide market, such as treadle sewing machines for example, and ships them directly to the partners who need them. By buying in bulk and buying where the cost is lowest, Cross is able to realize much greater savings than sending cash grants for those ministries to purchase the items themselves. In 2010 Cross shipped goods to nine countries: Afghanistan, Congo, the Dominican Republic, Guatemala, Haiti, Liberia, Nicaragua, the Philippines, and the U.S. Medical shipments have been particularly important, delivering life-saving medications to clinics with virtually no supplies. Without these medicines, these medical outreaches would have turned thousands of patients away with no treatment. The Cross shipments restocked these clinics and provided for the effective treatment of families in the community. Shipments of medical supplies as well as food, water, tents, and other aid were invaluable during the aftermath of the earthquake that struck Haiti January 12. 4d Additional Program Services - Mission EducationCross International's overall mission includes educating Christians in the United States about the needs of the poor overseas. This is important to the organization's goal of developing stronger relationships between America and the underdeveloped countries of the world. It is also part of Cross International's effort to support Biblical teachings that highlight God's commands to support the poor and to love one another. In 2010, Cross achieved this goal by communicating directly to American Christians through Christian radio. A total of 77 day-long and two-day radio presentations were made to the public on radio stations heard in all 50 states. Two of those events were broadcast on satellite radio while two were webcast on the Internet to listeners worldwide.4d Additional Program Services - Project DevelopmentIn order to ensure the proper use of donated funds and commodities, Cross International systematically visits overseas partners. In 2010, the Vice President of Missions and four field officers made regular visits to these in-country ministries, reviewing requests for assistance, monitoring the use of previous gifts and providing professional assistance with accounting or project development issues. These project development services have helped Cross partners grow more effectively, provide a better outreach to the poor and maintain greater stability in the community. 9465677 7210533 28023 90868798 1 1 0 0 0 0 0 0 1 1 0 0 0 1 0 1 0 0 1 1 1 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 91 1 0 1 HA 0 0 0 1 1 0 0 0 0 X 10 10 1 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY X X X James J Cavnar 9546579000 600 SW 3rd Street Suite 2201 Pompano Beach FL 33060 Bob Hodgdon 1.00 X 0 0 0 Jim Brown 1.00 X 0 0 0 Linda Brown 1.00 X 0 0 0 Jimmy Dodd 1.00 X 0 0 0 Clarence Harvey 1.00 X 0 0 0 Mike Hoover 1.00 X 0 0 0 Sam Jacobs 1.00 X 0 0 0 Mark Kielar 1.00 X 0 0 0 Linda Koontz 1.00 X 0 0 0 Joe White 1.00 X X 0 0 0 James Cavnar 7.00 X 25565 0 2980 Timothy Hoy 10.00 X 18402 0 5437 43967 0 8417 0 0 0 0 0 67220 172336 2061422 91110978 84879546 93411956 Shipping Reimbursement 624200 28023 28023 28023 38823 172336 71964 -33141 -33141 93406838 28023 0 -33141 12531759 12531759 76081895 76081895 52384 1427 48102 2855 1039437 423322 277003 339112 207134 102195 62979 41960 83484 26882 25520 31082 35366 35366 37018 37018 142431 94124 46199 2108 117474 60151 57323 976555 602865 56416 317274 3021 1219 1802 157666 75737 81865 64 244919 164464 5189 75266 25387 24694 243 450 Airtime 1280194 633622 646572 Miscellaneous 140307 45138 72412 22757 Data Processing 131595 1407 120669 9519 PEPFAR expenses 59267 59267 93347293 90868798 893333 1585162 X 1280194 633622 0 646572 1019811 1421205 2183700 1656595 206882 61731 165288 326102 543379 540000 26364 32699 254059 139906 113146 114153 235851 260095 4494421 4412580 129709 87447 3745475 3622107 3875184 3709554 X -174873 -440198 561110 910224 233000 233000 619237 703026 4494421 4412580 X 59545 24244 X X 0 1 1 X 1 1 X 80639059 83907696 92997027 85914295 93450779 436908856 80639059 83907696 92997027 85914295 93450779 436908856 215469295 221439561 22889 47986 -81378 466 -10037 831 831 436899650 269208 0.50680 0.44750 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 233000 233000 189125 43875 233000 287028 -97903 189125 1.00000 0 0 81827 24861 56966 172232 115045 57187 114153 Due to Affiliate 3622107 3622107 93406838 93347293 59545 24244 24244 83789 93503046 24244 24244 93478802 -71964 -71964 93406838 93419257 71964 71964 93347293 0 93347293 Description of Intended Use of Endowment Funds: Part V, Line 4: Earnings from the Organization's endowment fund are restricted for food and medicinal aid. Part XII, Line 4b - Other Adjustments: Direct Expenses for Fundraising Events ($71,964) Part XIII, Line 2d - Other Adjustments: Direct Expenses for Fundraising Events $71,964 Part X, Line 1 - Other Liabilities Due to Affiliate consists of amounts due to Cross International Catholic Outreach, Inc., which operates under common management with the Organization. 0 Central America and the Caribbean 1 7 Program Services, Grants to recipients located in the region Relief programs for HIV-affected children and their families 67186981 North America Grants to recipients located in the region 59000 Sub-Saharan Africa Grants to recipients located in the region 4826024 East Asia and the Pacific Grants to recipients located in the region 4072747 South America Grants to recipients located in the region 60761 South Asia Grants to recipients located in the region 438469 7 0 7 76643982 0 76643982 Central America and the Caribbean Relief for the poor 13691725 Medical supplies, medicine, food FMV Central America and the Caribbean Relief for the poor 11799 Wire 24235 Food FMV Central America and the Caribbean Relief for the poor 543379 Medical supplies, medicine, baby items FMV Central America and the Caribbean - Relief for the poor 5744836 Clothing, medical supplies, medicine, school supplies, toys, food, tools, home goods, etc. FMV Central America and the Caribbean Relief for the poor 451534 Wire 205857 Food FMV Central America and the Caribbean - Relief for the poor 63310 Food FMV Central America and the Caribbean Relief for the poor 116753 Clothing, medical supplies, hygiene products, food, tools, home goods, etc. FMV Central America and the Caribbean Relief for the poor 180452 Wire 12369 Food FMV Central America and the Caribbean Relief for the poor 56002 Food FMV Central America and the Caribbean Relief for the poor 148833 Food FMV Central America and the Caribbean Relief for the poor 57804 Clothing, medical supplies, food, tools, home goods, hygiene products, etc. FMV Central America and the Caribbean Relief for the poor 94718 Food, medical supplies, hygiene products, etc. FMV Central America and the Caribbean Relief for the poor 268418 Wire 17670 Food FMV Central America and the Caribbean Relief for the poor 464233 Wire 66903 Home goods FMV Central America and the Caribbean Relief for the poor 349435 Wire 913271 Medical supplies, medicine FMV Central America and the Caribbean Relief for the poor 474670 Clothing, food, hygiene products, medical supplies, home goods, baby items, school supplies, etc. FMV Central America and the Caribbean Relief for the poor 40486916 Medince, food, home goods, etc. FMV Central America and the Caribbean Relief for the poor 7055 Food FMV Central America and the Caribbean Relief for the poor 15530 Food, home goods FMV Central America and the Caribbean Relief for the poor 64119 Food, hygiene products, home goods, clothing, medical supplies, toys, etc. FMV Central America and the Caribbean Relief for the poor 27415 Food FMV Central America and the Caribbean Relief for the poor 429698 Food, toys, hygiene products, footwear, etc. FMV Central America and the Caribbean Relief for the poor 62938 Wire 46047 Food FMV Central America and the Caribbean Relief for the poor 154974 Food, footwear, baby items, school supplies, hygiene products FMV South Asia Relief for the poor 433469 Medical supplies, medicine FMV Central America and the Caribbean - Relief for the poor 2709 Food FMV Central America and the Caribbean - Relief for the poor 1354 Food FMV East Asia and the Pacific - Relief for the poor 3856083 Clothing, medical supplies, medicine, school supplies, food, home goods, etc. FMV Sub-Saharan Africa Relief for the poor 33600 Medical supplies, medicine, food, tools FMV Sub-Saharan Africa Relief for the poor 4623896 Clothing, medical supplies, medicine, food, hygiene products FMV Central America and the Caribbean - Relief for the poor 34992 Wire Central America and the Caribbean - Relief for the poor 21000 Wire Sub-Saharan Africa Relief for the poor 36000 Wire Central America and the Caribbean Relief for the poor 10476 Wire South America Relief for the poor 9835 Wire Central America and the Caribbean Relief for the poor 13976 Wire Central America and the Caribbean Relief for the poor 11975 Wire East Asia and the Pacific Relief for the poor 35626 Wire Sub-Saharan Africa Relief for the poor 47720 Wire Central America and the Caribbean Relief for the poor 100704 Wire South Asia Relief for the poor 5000 Wire Central America and the Caribbean Relief for the poor 25000 Wire Central America and the Caribbean Relief for the poor 9996 Wire Central America and the Caribbean Relief for the poor 6500 Wire Central America and the Caribbean Relief for the poor 145109 Wire East Asia and the Pacific Relief for the poor 13937 Wire Sub-Saharan Africa Relief for the poor 29915 Wire South America Relief for the poor 7100 Wire Central America and the Caribbean Relief for the poor 38854 Wire East Asia and the Pacific Relief for the poor 100000 Wire Central America and the Caribbean Relief for the poor 15640 Wire Sub-Saharan Africa Relief for the poor 23730 Wire Central America and the Caribbean Relief for the poor 552356 Wire East Asia and the Pacific Relief for the poor 17500 Wire Central America and the Caribbean Relief for the poor 65964 Wire Central America and the Caribbean Relief for the poor 9000 Wire South America Relief for the poor 7553 Wire Central America and the Caribbean Relief for the poor 13600 Wire Central America and the Caribbean Relief for the poor 10283 Wire South America Relief for the poor 12384 Wire Central America and the Caribbean Relief for the poor 40000 Wire Central America and the Caribbean Relief for the poor 22173 Wire Central America and the Caribbean Relief for the poor 36000 Wire Sub-Saharan Africa Relief for the poor 30049 Wire East Asia and the Pacific Relief for the poor 29990 Wire Central America and the Caribbean Relief for the poor 18000 Wire Central America and the Caribbean Relief for the poor 5400 Wire South America Relief for the poor 7200 Wire Central America and the Caribbean Relief for the poor 47940 Wire Central America and the Caribbean Relief for the poor 132963 Wire East Asia and the Pacific Relief for the poor 11536 Wire East Asia and the Pacific Relief for the poor 7574 Wire Central America and the Caribbean Relief for the poor 17900 Wire North America Relief for the poor 59000 Wire 0 0 0 0 0 0 Procedure for Monitoring Grants Outside the U.S.: Schedule F, Part I, Line 2: The Organization monitors the activities and the use of grant funds by periodic field visits by its U.S.-based staff. Project officers visit projects twice a year while writers and photographers will visit projects during the year to document the project and its beneficiaries. Grant recipients are also required to provide quarterly financial reports and annual budgets. X X X X X X X 1 New River Communications 1819 SE 17th Street Ste 1 Ft Lauderdale FL 33316 Consulting 0 921085 18360 902725 Donor Care Center 480 West Tuscarawas Ave Third Fl Barberton OH 44203 Telephone Solicitation 0 24394 13635 10759 945479 31995 913484 AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Ohio Gala 123040 94460 28580 3022 4235 11262 1785 12153 Georgia Hope for Haiti 54673 48668 6005 1180 4204 2731 1650 21493 1 33446 29208 4238 550 644 3164 3891 211159 172336 38823 4752 9083 17157 3435 37537 71964 -33141 Explanation of Fundraising Payments Schedule G, Part I, Line 2b, Column (v) The fundraising expense associated with the Organization's agreement with New River Communications is a retainer fee of $18,360 for the services provided in 2010. The fundraising expenses associated with the Organization's agreement with Donor Care Center are fees of $13,635 for tele-fundraising campaign services. 1 Harvest Hope Food Bank 2220 Shop Road Columbia SC 29201 570725560 501(c)(3) 16626 FMV Food Relief for the poor Openhearted Relief Fund Inc 1659 County Street 2840 Amber OK 73004 262341054 501(c)(3) 12063219 FMV Medicine, Personal hygiene products Relief for the poor Operation Outreach 3095 Kenskill Avenue Washington Court House OH 43160 311762797 501(c)(3) 232102 FMV Food Relief for the poor Restoration Church 6655 Pottery Road Spartanburg SC 29303 570689407 501(c)(3) 76220 FMV Food Relief for the poor Sacramento Food Bank Services 3333 3rd Avenue Sacramento CA 95817 943315566 501(c)(3) 63014 FMV Food Relief for the poor San Antonia Food Bank Inc 5200 Old Highway 90 West San Antonio TX 78227 742122979 501(c)(3) 80327 FMV Food Relief for the poor 6 0 Procedure for Monitoring Grants in the U.S.: Part I, Line 2: Schedule I, Part I, Line 2: The Organization monitors the activities and the use of grant funds by periodic field visits. Project officers visit projects twice a year while writers and photographers will visit projects during the year to document the project and its beneficiaries. Grant recipients are also required to provide quarterly financial reports and annual budgets. X 64603531 Donor's Est FMV X 50 2312039 Donor's Est FMV X 37 17963976 Est FMV per Red Book 0 0 0 1 Third Party Use: Part I, Line 32b: In certain instances, the donor or an agent of the donor is used by the Organization to assist in transporting non-cash items to the ultimate beneficiaries as directed by the Organization. Form 990, Part VI, Section A, line 2 Mr. Jim Brown has a family relationship with Mrs. Linda Brown. Form 990, Part VI, Section B, line 11 The Organization's top management official and top financial official each review the Form 990 prior to its filing with the IRS. A copy of the final Form 990 is also provided to the voting members of the Organization's governing body prior to its filing with the IRS. Form 990, Part VI, Section B, line 12c The Organization's conflict of interest policy is distributed to each member of the Organization's governing body, its officers, and its key employees who provide a disclosure statement. Such disclosure statement indicates that they have received, read, understood and agreed to comply with the policy, and certifying that: (1) they have no relationships or interests that present a conflict of interest, or (2) they have one or more conflicts of interest that have been fully disclosed as required by the policy and have been properly administered in conformity with the policy. The Organization's President is tasked with obtaining updated disclosure statements from each Board member annually. Any previously undisclosed conflicts of interest are forwarded to appropriate Organization officials to take appropriate actions as required by the policy. Form 990, Part VI, Section B, line 15 The compensation of the President is set by two members of the Board of Directors who do not have a conflict of interest with respect to the President. This independent committee utilizes comparability data compiled by an independent compensation consultant in its deliberations, and contemporaneously substantiates its deliberations and decisions. The Board has also adopted a policy limiting annual salary increases of the President to no more than a standard cost of living percentage plus 1%. This policy has been in effect since the inception of the Organization and has not changed to date. The President is responsible for setting the compensation of the Organization's other key executives. In setting such compensation, the President utilizes comparability data compiled by an independent compensation consultant, and contemporaneously substantiates his decisions. Form 990, Part VI, Section C, line 19 The Organization makes its financial statements and its Form 990 available to the public through the Organization's website. Financial statements and Form 990 are available by mail upon request. Changes in Net Assets or Fund Balances: Form 990, Part XI, line 5: Net unrealized gains on investments: 24,244. Form 990, Part XI, Line 2c: The Organization's Board of Directors, or a committee thereof, assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. This process has not changed from the prior year. An audit of the Organization's financial statements is conducted annually by an independent certified public accounting firm, which has resulted in the issuance of an unqualified opinion. In addition, the Organization is a fully accredited member of the Evangelical Council for Financial Accountability (ECFA) and, as such, subscribes to ECFA's Seven Standards of Responsible Stewardship addressing: (1) operation in conformity with the Organization's evangelical Christian doctrinal statement, (2) oversight by a Board of Directors, the majority of which are independent, (3) submission of complete, accurate, audited financial statements, (4) proper management and financial controls over the use of the Organization's resources, (5) public availability of the Organization's current financial statements upon written request, (6) avoidance of conflicts of interest, and (7) responsible, truthful fund-raising practices.