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      <Description>EARTHQUAKE ENGINEERING TRAINING AND CURRICULA IN PAKISTAN TO HELP PAKISTAN IN ITS EFFORTS TO PREVENT DEVASTATING LOSSES IN FUTURE EARTHQUAKES, IN 2007 GHI LAUNCHED A THREE-YEAR PROJECT "BUILDING PAKISTAN'S CAPACITY FOR INSTRUCTION, RESEARCH, AND PRACTICE IN EARTHQUAKE ENGINEERING AND RETROFIT." PARTNERING WITH NED UNIVERSITY OF ENGINEERING AND TECHNOLOGY IN KARACHI AND OTHER INSTITUTIONS IN PAKISTAN THAT TRAIN FUTURE ENGINEERS AND ARCHITECTS, GHI IS WORKING TO STRENGTHEN THE CURRICULA FOR BOTH PRACTICING ENGINEERS AND STUDENTS. THE PROJECT CONCENTRATES ON BUILDING CAPACITY IN PAKISTAN'S ACADEMIC, PUBLIC, AND PRIVATE SECTORS TO ASSESS AND REDUCE THE SEISMIC VULNERABILITY OF EXISTING BUILDINGS, AND CONSTRUCT NEW BUILDINGS BETTER. TO ACCOMPLISH THESE GOALS, GHI AND NED HAVE PAIRED A TEAM OF AMERICAN EXPERTS IN EARTHQUAKE ENGINEERING EDUCATION AND PRACTICE WITH A TEAM OF PAKISTANI PROFESSORS AND BUILDING PROFESSIONALS. TOGETHER, THE TEAMS ARE IMPROVING THE EARTHQUAKE ENGINEERING CURRICULUM, DEVELOPING TRAINING MATERIALS AND HOSTING PROFESSIONAL TRAINING WORKSHOPS FOR PAKISTANI ENGINEERS, ARCHITECTS, AND OTHER BUILDING PROFESSIONALS. THEY ARE TRAINING A CADRE OF NED ENGINEERING UNIVERSITY PROFESSORS TO TEACH ASSESSMENT AND RETROFIT METHODS, INTEGRATING FORMAL INSTRUCTION IN THEORY WITH PRACTICE BY USING CASE STUDIES OF EXISTING BUILDINGS TYPICAL OF THE LOCAL BUILDING STOCK.WHILE BUILDING EARTHQUAKE ENGINEERING EDUCATION CAPACITY IN PAKISTAN, THE PROJECT IS AT THE SAME TIME STRENGTHENING COOPERATIVE RESEARCH AND PROFESSIONAL RELATIONSHIPS BETWEEN PAKISTANI AND AMERICAN RESEARCHERS THROUGH ACADEMIC EXCHANGE, CONSULTATION ON RESEARCH TOPICS THAT DIRECTLY IMPACT SEISMIC SAFETY IN PAKISTAN, AND CREATION OF AN EARTHQUAKE ENGINEERING RESEARCH AGENDA FOR PAKISTAN.</Description>
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        <Description>TSUNAMI PREPAREDNESS- PADANG, WEST SUMATRA, INDONESIAGHI AND ITS PROJECT PARTNERS, GEOSCIENTISTS WITHOUT BORDERS AND ENGINEERS FOR A SUSTAINABLE WORLD, ARE CONDUCTING A FEASIBILITY STUDY OF VERTICAL EVACUATION STRUCTURES AS A KEY COMPONENT OF TSUNAMI PREPAREDNESS IN SUMATRA. A VERTICAL EVACUATION STRUCTURE IS A BUILDING OR EARTH MOUND THAT IS SPECIALLY DESIGNED TO RESIST EARTHQUAKE AND TSUNAMI FORCES, AND ITS HEIGHT ALLOWS PEOPLE TO EVACUATE ABOVE THE LEVEL OF TSUNAMI INUNDATION. THE MAIN PURPOSE OF VERTICAL EVACUATION STRUCTURES IS TO PROVIDE PROTECTION DURING A TSUNAMI. THESE BUILDINGS ARE ESPECIALLY IMPORTANT WHERE HIGH GROUND DOES NOT EXIST OR WHERE LOCAL EARTHQUAKE SOURCES DO NOT ALLOW PEOPLE ENOUGH TIME TO EVACUATE, BETWEEN THE MOMENT WHEN AN EARTHQUAKE STRIKES AND THE TIME WHEN THE FIRST TSUNAMI WAVE REACHES THE SHORE. VERTICAL EVACUATION STRUCTURES ARE A FAIRLY NEW CONCEPT THAT HAS PROVEN EFFECTIVE; SOME SURVIVORS OF THE 2004 INDIAN OCEAN TSUNAMI WERE SAVED BECAUSE THEY EVACUATED TO MULTI-STORY REINFORCED CONCRETE BUILDINGS. IN THIS PROJECT, AN INTERDISCIPLINARY TEAM IS DEVELOPING A CONCEPTUAL DESIGN FOR A VERTICAL EVACUATION STRUCTURE IN PADANG, WEST SUMATRA, INDONESIA. THIS PROJECT COULD SERVE AS THE FIRST STEP TOWARD MAKING VERTICAL EVACUATION STRUCTURES A MAJOR ELEMENT OF TSUNAMI SAFETY EFFORTS IN THIS VULNERABLE REGION, POTENTIALLY SAVING THOUSANDS OF LIVES. U.S. AND INDONESIAN STUDENTS AND PROFESSORS, GOVERNMENTAL AGENCIES, AND NGOS HAVE COMMITTED TO TAKE PART IN THIS HANDS-ON, CROSS-DISCIPLINARY COLLABORATION.</Description>
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        <Description>HOSPITAL EARTHQUAKE SAFETY IN INDIASUPPORTED BY FUNDING FROM SWISS REINSURANCE COMPANY (SWISS RE), GHI IS WORKING TO IMPROVE HOSPITAL EARTHQUAKE SAFETY IN INDIA. GHI AND SWISS RE BEGAN BY RAISING THE EARTHQUAKE RISK AWARENESS OF MORE THAN 250 ADMINISTRATORS AND STAFF MEMBERS FROM OVER 100 HOSPITALS IN THE DELHI METROPOLITAN AREA THROUGH A WORKSHOP IN HELD IN PARTNERSHIP WITH THE DELHI DISASTER MANAGEMENT AUTHORITY IN 2008. NEXT, GHI DEVELOPED A MANUAL THAT PROVIDES GUIDANCE HOSPITAL ADMINISTRATORS AND HOSPITAL STAFF CAN FOLLOW TO MITIGATE THE HAZARDS CAUSED BY FALLING, SLIDING OR TOPPLING OBJECTS DURING EARTHQUAKES. THE MANUAL, REDUCING EARTHQUAKE RISK IN HOSPITALS FROM EQUIPMENT, CONTENTS, ARCHITECTURAL ELEMENTS AND BUILDING UTILITY SYSTEMS, PROVIDES TECHNICAL EDUCATION FOR HOSPITAL ADMINISTRATORS, STAFF, ENGINEERS, AND CONSTRUCTION CONTRACTORS.THE INTRODUCTORY SECTIONS OF THE MANUAL ARE WRITTEN PRIMARILY FOR HOSPITAL ADMINISTRATORS, CONVEYING TO THEM THE IMPORTANCE OF MITIGATING EARTHQUAKE FALLING HAZARDS. THE PRIMARY USERS OF THE MANUAL'S TECHNICAL CHAPTERS WILL BE HOSPITAL MAINTENANCE AND ENGINEERING STAFF. THE MANUAL CONTAINS GUIDANCE ON HOW TO ANCHOR MANY COMMON ITEMS, SUCH AS MEDICAL EQUIPMENT, FURNISHINGS, PIPES AND DUCTS, TANKS, MECHANICAL AND ELECTRICAL EQUIPMENT, AND ARCHITECTURAL ELEMENTS. THE MANUAL WAS REVIEWED BY EXPERTS IN STRUCTURAL ENGINEERING, HOSPITAL OPERATIONS, COMMUNICATIONS, AND RISK EDUCATION FROM AROUND THE WORLD. GHI IS DISSEMINATING BOTH PRINTED AND ELECTRONIC VERSIONS TO HOSPITALS AND GOVERNMENT HEALTH DEPARTMENTS THROUGHOUT INDIA.</Description>
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        <Description>OTHER PROGRAMSGHI IS PARTNERING WITH BECHTEL INDIA TO REDUCE SCHOOL EARTHQUAKE RISKS AND TO EDUCATE STUDENTS, FACULTY AND PARENTS ABOUT EARTHQUAKE PREPAREDNESS. THE SCHOOL EARTHQUAKE SAFETY AND PREPAREDNESS TRAINING PROJECT EXPANDS AND CONTINUES WORK THAT BEGAN IN APRIL 2008 WITH A GHI-BECHTEL PILOT PROJECT AT GYAN DEVI PUBLIC SCHOOL IN GURGAON. BUILDING ON THE SUCCESS OF THAT INITIATIVE, GHI STAFF AND EMPLOYEE VOLUNTEERS FROM BECHTEL ARE NOW WORKING TOGETHER IN CHIRANJEEV BHARATI SCHOOL IN THE GURGAON AREA AND HOPE TO EXPAND THE EFFORT TO REACH MORE SCHOOLS IN THE STATE OF HARYANA AND ELSEWHERE.GEOHAZARDS INTERNATIONAL (GHI) IS LEADING AN 18-MONTH PROJECT TO INVESTIGATE THE NEEDS OF SELECTED GROUPS OF POTENTIAL GEM (GLOBAL EARTHQUAKE MODEL) BENEFICIARIES IN DEVELOPING COUNTRIES AND TO DESCRIBE HOW GEM COULD MOST EFFECTIVELY COMMUNICATE ITS EARTHQUAKE RISK INFORMATION TO THEM TO PROMOTE MITIGATING ACTION.GHI'S PROJECT IN PERU, IN PARTNERSHIP WITH STANFORD UNIVERSITY, THE PONTIFICAL CATHOLIC UNIVERSITY OF PERU AND THE PERUVIAN NONPROFIT ESTRATEGIA, AIMS TO RAISE AWARENESS OF EARTHQUAKE RISK AND DEVELOP A SCHOOL RETROFIT PLAN THAT COULD BE REPLICATED LOCALLY. GHI AND ITS PROJECT PARTNERS WILL RETROFIT A PRIMARY SCHOOL IN THE VILLAGE OF CHOCOS IN ORDER TO PROTECT THE BUILDING AND THE CHILDREN AND TEACHERS WITHIN IT WHEN THE NEXT EARTHQUAKE INEVITABLY COMES. THE SCHOOL BUILDING IN CHOCOS IS INDICATIVE OF VULNERABLE SCHOOLS THROUGHOUT RURAL PERU. THEY ARE OFTEN MADE OF ADOBE, A CONSTRUCTION TYPE KNOWN FOR UNDERGOING SUDDEN AND CATASTROPHIC COLLAPSE IN EARTHQUAKES.GHI CONTINUES TO TAKE A LONG-TERM, STRATEGIC VIEW OF THE RISK OF TSUNAMIS. IN ACCORDANCE WITH ITS MISSION, GHI SEEKS WAYS TO ASSIST THREATENED REGIONS WITH TSUNAMI DISASTER AWARENESS, PREPAREDNESS, PREVENTION AND MITIGATION MEASURES. OTHER PROJECTS INCLUDE EFFORTS TO RAISE AWARENESS OF EARTHQUAKE RISK IN DEVELOPING COUNTRIES. THE DISSEMINATION OF INFORMATION ABOUT EARTHQUAKE RISK AND HOW GHI SEEKS TO REDUCE THAT RISK OCCURS THROUGH NEWSLETTERS, PRESS RELEASES, A WEBSITE, WORKSHOPS, MEETINGS, SEMINARS, SPEAKING ENGAGEMENTS, AND EVENTS. RESOURCES OF TIME AND ENERGY ARE ALSO SPENT COLLABORATING WITH OTHER ORGANIZATIONS THAT ADDRESS RELEVANT ISSUES IN ORDER TO STRENGTHEN THE EFFECTIVENESS OF GHI.</Description>
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        <Fundraising>36824</Fundraising>
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        <Fundraising>2585</Fundraising>
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        <ManagementAndGeneral>3640</ManagementAndGeneral>
        <Fundraising>2735</Fundraising>
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        <ManagementAndGeneral>4274</ManagementAndGeneral>
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        <Fundraising>2770</Fundraising>
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      <Advertising>
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        <ManagementAndGeneral>1922</ManagementAndGeneral>
        <Fundraising>2791</Fundraising>
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        <ManagementAndGeneral>75266</ManagementAndGeneral>
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      <Travel>
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        <Fundraising>5664</Fundraising>
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      <ConferencesMeetings>
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        <ManagementAndGeneral>2922</ManagementAndGeneral>
        <Fundraising>154</Fundraising>
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        <ManagementAndGeneral>8432</ManagementAndGeneral>
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        <Fundraising>15</Fundraising>
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      <OtherExpenses>
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        <Fundraising>769</Fundraising>
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      <OtherExpenses>
        <Description>COMPUTERS AND EQUIPMENT</Description>
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        <ProgramServices>1068</ProgramServices>
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        <Fundraising>0</Fundraising>
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      <OtherExpenses>
        <Description>DONATIONS TO OTHERS</Description>
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        <ProgramServices>0</ProgramServices>
        <ManagementAndGeneral>0</ManagementAndGeneral>
        <Fundraising>3000</Fundraising>
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      <OtherExpenses>
        <Description>POSTAGE AND SHIPPING</Description>
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        <ProgramServices>417</ProgramServices>
        <ManagementAndGeneral>499</ManagementAndGeneral>
        <Fundraising>478</Fundraising>
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      <AllOtherExpenses>
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        <ProgramServices>37731</ProgramServices>
        <ManagementAndGeneral>-57228</ManagementAndGeneral>
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      <TotalFunctionalExpenses>
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      <LandBuildingsEquipmentBasisNet>
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        <EOY>8663</EOY>
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        <EOY>46887</EOY>
      </DeferredRevenue>
      <TotalLiabilities>
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        <EOY>95616</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
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        <EOY>1129288</EOY>
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      <TemporarilyRestrictedNetAssets>
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        <EOY>614673</EOY>
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        <EOY>1743961</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>1579232</BOY>
        <EOY>1839577</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>228079</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>95369</ReconcilationOtherChanges>
      <InfoInScheduleOPartXII>X</InfoInScheduleOPartXII>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>0</AccountantCompileOrReview>
      <FSAudited>1</FSAudited>
      <AuditCommittee>1</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
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    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PubliclySupportedOrg170b1Avi>X</PubliclySupportedOrg170b1Avi>
      <GiftsGrantsContribReceived170>
        <CurrentTaxYearMinus4Years>504049</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>243831</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>205564</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>359965</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>914374</CurrentTaxYear>
        <Total>2227783</Total>
      </GiftsGrantsContribReceived170>
      <Total170>
        <CurrentTaxYearMinus4Years>504049</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>243831</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>205564</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>359965</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>914374</CurrentTaxYear>
        <Total>2227783</Total>
      </Total170>
      <AmountsSubstContributorsTotal>932696</AmountsSubstContributorsTotal>
      <PublicSupportTotal170>1295087</PublicSupportTotal170>
      <GrossInvestmentIncome170>
        <CurrentTaxYearMinus4Years>61617</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>64838</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>58507</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>37554</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>49881</CurrentTaxYear>
        <Total>272397</Total>
      </GrossInvestmentIncome170>
      <OtherIncome170>
        <CurrentTaxYearMinus1Year>14875</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>5130</CurrentTaxYear>
        <Total>20005</Total>
      </OtherIncome170>
      <TotalSupport>2520185</TotalSupport>
      <PublicSupportPertcentage170>0.51390</PublicSupportPertcentage170>
      <PublicSupportPertcentPriorYear>0.63410</PublicSupportPertcentPriorYear>
      <ThirtyThreePercntTestsCY170>X</ThirtyThreePercntTestsCY170>
    </IRS990ScheduleA>
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        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
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          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
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      <OtherSecurities>
        <Description>VANGUARD PRIME MMF</Description>
        <BookValue>1015</BookValue>
        <MethodOfValuation>F</MethodOfValuation>
      </OtherSecurities>
      <OtherSecurities>
        <Description>VANGUARD STAR FUND</Description>
        <BookValue>1459065</BookValue>
        <MethodOfValuation>F</MethodOfValuation>
      </OtherSecurities>
      <TotalOfBookValueSecurities>1460080</TotalOfBookValueSecurities>
      <TotalRevenue>969385</TotalRevenue>
      <TotalExpenses>741306</TotalExpenses>
      <ExcessOrDeficitForYear>228079</ExcessOrDeficitForYear>
      <NetUnrealizedGLOnInvestments>95369</NetUnrealizedGLOnInvestments>
      <TotalAdjustments>95369</TotalAdjustments>
      <ExcessOrDeficitPerFS>323448</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>1064754</TotRevenueEtcAuditedFinclStmt>
      <NetUnrealizedGainsInvestments>95369</NetUnrealizedGainsInvestments>
      <RevenueNotRptdF990>95369</RevenueNotRptdF990>
      <RevenueSubtotal>969385</RevenueSubtotal>
      <RevenueNotRptdOnFinStmt>0</RevenueNotRptdOnFinStmt>
      <TotalRevenuePerForm990>969385</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>741306</TotExpensesEtcAuditedFinclStmt>
      <ExpensesNotRptdF990>0</ExpensesNotRptdF990>
      <ExpensesSubtotal>741306</ExpensesSubtotal>
      <ExpensesNotRptdOnFinStmt>0</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>741306</TotalExpensesPerForm990>
      <Form990ScheduleDPartXIV>
        <Identifier>DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:</Identifier>
        <ReturnReference>PART X:</ReturnReference>
        <Explanation>AS OF JULY 1, 2007, GHI ADOPTED THE ACCOUNTING STANDARDS CODIFICATION 740, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THIS STANDARD ADDRESSES THE ACCOUNTING FOR UNCERTAINTIES IN INCOME TAXES RECOGNIZED IN AN ENTITY'S FINANCIAL STATEMENTS AND PRESCRIBES A THRESHOLD OF "MORE LIKELY THAN NOT" FOR RECOGNITION AND DERECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE TAX RETURNS. THE ACCOUNTING STANDARDS CODIFICATION 740 ALSO PROVIDES RELATED GUIDANCE ON MEASUREMENT, CLASSIFICATION, INTEREST AND PENALTIES, AND DISCLOSURE. THERE WAS NO MATERIAL IMPACT TO THE GHI'S FINANCIAL STATEMENTS AS A RESULT OF THE ADOPTION OF ACCOUNTING STANDARDS CODIFICATION 740.</Explanation>
      </Form990ScheduleDPartXIV>
    </IRS990ScheduleD>
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        <NumberOfEmployees>2</NumberOfEmployees>
        <TypeOfActivitiesConducted>PROGRAM SERVICES</TypeOfActivitiesConducted>
        <SpecificServicesProvided>EARTHQUAKE PREPAREDNESS AND AWARENESS</SpecificServicesProvided>
        <TotalExpenditures>42778</TotalExpenditures>
      </AcctsActvsOutUSTable>
      <AcctsActvsOutUSTable>
        <Region>ASIA</Region>
        <NumberOfEmployees>1</NumberOfEmployees>
        <TypeOfActivitiesConducted>PROGRAM SERVICES</TypeOfActivitiesConducted>
        <SpecificServicesProvided>EARTHQUAKE PREPAREDNESS AND AWARENESS</SpecificServicesProvided>
        <TotalExpenditures>4572</TotalExpenditures>
      </AcctsActvsOutUSTable>
      <SubtotalNumberOfEmployees>3</SubtotalNumberOfEmployees>
      <ContNumberOfEmployees>0</ContNumberOfEmployees>
      <TotalNumberOfEmployees>3</TotalNumberOfEmployees>
      <SubtotalAmountSpent>47350</SubtotalAmountSpent>
      <ContAmountSpent>0</ContAmountSpent>
      <TotalAmountSpent>47350</TotalAmountSpent>
      <NoRecipientOver5K>X</NoRecipientOver5K>
      <TransferToForeignCorp>0</TransferToForeignCorp>
      <InterestInForeignTrust>0</InterestInForeignTrust>
      <OwnForeignCorp>0</OwnForeignCorp>
      <PassiveForeignInvestCo>0</PassiveForeignInvestCo>
      <ForeignPartnership>0</ForeignPartnership>
      <BoycottCountries>0</BoycottCountries>
      <Form990ScheduleFPartV>
        <Identifier>METHOD USED TO ACCCOUNT FOR EXPENDITURES:</Identifier>
        <Explanation>SCHEDULE F, PART I, LINE 3: ACCRUAL</Explanation>
      </Form990ScheduleFPartV>
    </IRS990ScheduleF>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION B, LINE 11</Identifier>
        <Explanation>A DRAFT OF FORM 990 IS REVIEWED BY THE AUDIT COMMITTEE CHAIR AND PRESIDENT AND THEN APPROVED.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>THE ORGANIZATION REVIEWS THE CONFLICT OF INTEREST POLICY PERIODICALLY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 15</ReturnReference>
        <Explanation>COMPENSATION OF OFFICERS AND KEY EMPLOYEES IS REVIEWED AND APPROVED BY THE BOARD OF TRUSTEES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 18</ReturnReference>
        <Explanation>AVAILABLE UPON REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>AVAILABLE UPON REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>CHANGES IN NET ASSETS OR FUND BALANCES:</Identifier>
        <ReturnReference>FORM 990, PART XI, LINE 5:</ReturnReference>
        <Explanation>NET UNREALIZED GAINS ON INVESTMENTS: 95,369.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Explanation>THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESS DURING THE YEAR.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
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</Return>