Civic Intelligence

Transform Capital

EIN 85-3613051 • 501(c)3 • Libertyville, IL

Profile

Transform capital is a lending platform which raises tax-deductable funding and places that funding into market-rate or below market-rate mortgage and business loans for deserving families in dis-invested local communities.

31110 N Reigate LaneLibertyville, IL 60048

www.tccommunity.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

64th percentile

0.17x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

0.35x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

99th percentile

97%

Higher net margin than 99% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

40th percentile

$0

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

94th percentile

96%

Faster asset growth than 94% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

96th percentile

272%

Faster revenue growth than 96% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$3,077,322

Up $1,510,465 (+96%) from 2023

Liabilities

Up

$525,494

Up $29,607 (+6.0%) from 2023

Net Assets

Up

$2,551,828

Up $1,480,858 (+138%) from 2023

Operations
Liabilities / Revenue76th percentileNet Margin99th percentile

Revenue

Up

$1,519,962

Up $1,110,827 (+272%) from 2023

Expenses

Up

$39,104

Up $9,563 (+32%) from 2023

Net Income

Up

$1,480,858

Up $1,101,264 (+290%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth94th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0M$3.0M$2.0M$1.0M$0Assets 2021: $507,805Liabilities 2021: $125,082Net Assets 2021: $382,7232021Assets 2022: $930,555Liabilities 2022: $239,179Net Assets 2022: $691,3762022Assets 2023: $1,566,857Liabilities 2023: $495,887Net Assets 2023: $1,070,9702023Assets 2024: $3,077,322Liabilities 2024: $525,494Net Assets 2024: $2,551,8282024

Highlighted filing

2024

Assets$3,077,322
Liabilities$525,494
Net Assets$2,551,828
Open 2024 Filing

Operations Trend

Revenue Growth96th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0Revenue 2021: $397,747Expenses 2021: $13,211Net Income 2021: $384,5362021Revenue 2022: $326,845Expenses 2022: $18,192Net Income 2022: $308,6532022Revenue 2023: $409,135Expenses 2023: $29,541Net Income 2023: $379,5942023Revenue 2024: $1,519,962Expenses 2024: $39,104Net Income 2024: $1,480,8582024

Highlighted filing

2024

Revenue$1,519,962
Expenses$39,104
Net Income$1,480,858
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,077,322
Liabilities
$525,494
Net assets
$2,551,828
Revenue
$1,519,962
Expenses
$39,104
Net income
$1,480,858
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.08$0.53$2.55$1.52$0.04$1.48
2023Detailed filing. Detailed filing data is available for this year.$1.57$0.50$1.07$0.41$0.03$0.38
2022Detailed filing. Detailed filing data is available for this year.$0.93$0.24$0.69$0.33$0.02$0.31
2021Detailed filing. Detailed filing data is available for this year.$0.51$0.13$0.38$0.40$0.01$0.38
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 11, 2025
Return Version
2024v5.2
Gross Receipts
$1,519,962
Mission and Program Overview

Mission

Transform capital is a lending platform which raises tax-deductable funding and places that funding into market-rate mortgage and business loans for deserving families in dis-invested local communities.

Transform capital is a lending platform which raises tax-deductible funding and places that funding into market-rate or below market-rate mortgage and business loans for deserving families in dis-invested local communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$994,197$2,388,612▲ $1,394,415
Savings and Temporary Cash Investments$524,223$321,428▼ $202,795
Pledges and Grants Receivable$2,645$305,752▲ $303,107
Cash and Non-Interest-Bearing Accounts$41,580$50,493▲ $8,913
Accounts Receivable$2,992$7,998▲ $5,006
Land, Buildings, and Equipment, Net$570$2,396▲ $1,826
Prepaid Expenses and Deferred Charges$650$643▼ $7
Total Assets$1,566,857$3,077,322▲ $1,510,465
Liabilities
Mortgage Notes Payable Secured by Investment Property$475,000$475,000→ $0
Other Liabilities$20,887$50,494▲ $29,607
Total Liabilities$495,887$525,494▲ $29,607
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,070,970$2,551,828▲ $1,480,858
Total Net Assets Fund Balance$1,070,970$2,551,828▲ $1,480,858
Total Liabilities and Net Assets / Fund Balance$1,566,857$3,077,322▲ $1,510,465

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$2,396$104$2,500
Compensation and Service Providers
Top Officer Pay40th percentile

Board Members and Trustees

NameTitle
Mark ChassmanChair
Frederick TolbertVice Chair
Andrea MccroryContracted Community Liaison
Stephen KawasakiSecretary
Paul HawkinsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,445,371
Program Service Revenue
$65,331
Investment Income
$7,584
Other Revenue
$1,676
All Other Contributions
$1,445,371
Change in Net Assets
$1,480,858

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,519,962
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,519,962
Total Revenue per Form 990
$1,519,962
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$39,104
Total Fundraising Expense$713
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$4,800--$4,800
Fees for Services Accounting-$4,036-$4,036
All Other Expenses$1,242$200$713$2,155
Other Expenses$1,877$2,077-$1,877
Insurance-$1,409-$1,409
Depreciation Depletion-$675-$675
Total Functional Expenses$29,994$8,397$713$39,104

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$39,104
Total Expenses per Audited Statements$39,104
Total Expenses per Form 990$39,104
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Client Escrow Liabilities$50,494
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by the executive director and officers of the board of directors before filing.”

Form 990, Part VI, Section B, Line 12C

“The organization annually reviews any conflicts with the board and management in accordance with the conflict of interest policy.”

Form 990, Part VI, Section C, Line 18

“Form 990 is available for inspection upon request.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest, and financial statements available to the public through request.”

Filing and Contact Details

Filer

Filer Name
Transform Capital
EIN
85-3613051
Phone
3123078774
Address
31110 N REIGATE LANE, LIBERTYVILLE, IL 60048

Signing Officer

Name
Mark Chassman
Title
Chair
Phone
3123078774
Signed
2025-08-11

Organization Details

Principal Officer
Mark Chassman
Formed
2020
Legal Domicile
Il
Voting Board Members
5
Independent Board Members
4
Employees
0
Volunteers
0

Preparer

Firm
Cheryl Rohlfs & Associates Ltd
Address
401 HUEHL ROAD SUITE 1E, NORTHBROOK, IL 60062
Preparer
Cheryl K Rohlfs CPA
Phone
8477539200
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional fees: program service expenses 4,800. Management and general expenses 0. Fundraising expenses 0. Total expenses 4,800.”

FORM 990, PART XII, LINE 2C:

“The process has not changed from the prior year.”

Raw XML Appendix382 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0CAPITAL / TRANSFORM CAPITAL RAISES A TAX-DEDUCTABLE FUNDING BASE AND DEPLOYS THIS FUNDING INTO MARKET-RATE OR BELOW MARKET-RATE MORTGAGE AND BUSINESS LOANS FOR DESERVING FAMILIES IN DIS-INVESTED LOCAL ILLINOIS COMMUNITIES. 100% OF OUR CLIENTS ARE SOURCED ON REFERRAL FROM EXISTING ORGANIZATIONS ALREADY LONG SERVING THE COMMUNITY. OUR INITIAL COMMUNITY FOCUS IS NORTH CHICAGO, ILLINOIS. WE LIMIT OPERATING COSTS AT EVERY TURN, SO THAT WE CAN RECYCLE CAPITAL FOR ANOTHER CLIENT. AS OUR CLIENTS PAY BACK LOANS, THEY BECOME ON INTEGRAL PART OF "PAYING IT FORWARD" TO MAKE OWNERSHIP POSSIBLE FOR ANOTHER NEIGHBOR. WE ARE ENGAGING IN CONVERSATION WITH OTHER COMMUNITIES ACROSS THE NATION TO EXTEND THE REACH OF OUR MISSION APPROACH.
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0MISCELLANEOUS - 2021 AMOUNT: $ 2,318. 2022 AMOUNT: $ 5,225. 2023 AMOUNT: $ 367. 2024 AMOUNT: $ 1,676. ADVISORY FEES - 2023 AMOUNT: $ 30,000.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0301390
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0385998
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02482068
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt072915
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt030459
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt020230
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt09431
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0133035
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt01676
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt030367
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt05225
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt02318
IRS990ScheduleA/OtherIncome170Grp/TotalAmt039586
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.56560
IRS990ScheduleA/PublicSupportTotal170Amt01501562
IRS990ScheduleA/SubstantialContributorsTotAmt0980506
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01445371
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0348309
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0301390
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0385998
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02482068
IRS990ScheduleA/TotalSupportAmt02654689
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt039104
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02396
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0104
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt050494
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLIENT ESCROW LIABILITIES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01519962
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02396
IRS990ScheduleD/TotalExpensesPerForm990Amt039104
IRS990ScheduleD/TotalLiabilityAmt050494
IRS990ScheduleD/TotalRevenuePerForm990Amt01519962
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01519962
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt039104
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS REVIEWED BY THE EXECUTIVE DIRECTOR AND OFFICERS OF THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION ANNUALLY REVIEWS ANY CONFLICTS WITH THE BOARD AND MANAGEMENT IN ACCORDANCE WITH THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS AVAILABLE FOR INSPECTION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC THROUGH REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PROFESSIONAL FEES: PROGRAM SERVICE EXPENSES 4,800. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 4,800.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01566857
IRS990/TotalAssetsEOYAmt03077322
IRS990/TotalAssetsGrp/BOYAmt01566857
IRS990/TotalAssetsGrp/EOYAmt03077322
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt01445371
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt0713
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt08397
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt029994
IRS990/TotalFunctionalExpensesGrp/TotalAmt039104
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0495887
IRS990/TotalLiabilitiesEOYAmt0525494
IRS990/TotalLiabilitiesGrp/BOYAmt0495887
IRS990/TotalLiabilitiesGrp/EOYAmt0525494
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01070970
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02551828
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt029994
IRS990/TotalProgramServiceRevenueAmt065331
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt074591
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01519962
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01566857
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03077322
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt031110 N REIGATE LANE
IRS990/USAddress/CityNm0LIBERTYVILLE
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060048
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.TCCOMMUNITY.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK CHASSMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIR
ReturnHeader/BusinessOfficerGrp/PhoneNum03123078774
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TRANSFORM CAPITAL
ReturnHeader/Filer/BusinessNameControlTxt0TRAN
ReturnHeader/Filer/EIN0853613051
ReturnHeader/Filer/PhoneNum03123078774
ReturnHeader/Filer/USAddress/AddressLine1Txt031110 N REIGATE LANE
ReturnHeader/Filer/USAddress/CityNm0LIBERTYVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060048
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363998687
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHERYL ROHLFS & ASSOCIATES LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0401 HUEHL ROAD SUITE 1E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NORTHBROOK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060062
ReturnHeader/PreparerPersonGrp/PhoneNum08477539200
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHERYL K ROHLFS CPA
ReturnHeader/ReturnTs02025-08-11T16:19:19-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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