Civic Intelligence

California Association for Microenterprise Opportunity

EIN 94-3246306 • 501(c)3 • San Francisco, CA

Profile

To grow a thriving ecosystem of support for underserved entrepreneurs where all entrepreneurs have access to the resources they need to suceed, creating family economic mobility and community prosperity.

Two Embarcadero Center 8th FloorSan Francisco, CA 94111

www.cameonetwork.org

Siviq Scores

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

Liabilities / Assets

79th percentile

0.49x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

0.63x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

48th percentile

3.7%

Higher net margin than 48% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

9th percentile

-13%

Faster asset growth than 9% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

94th percentile

135%

Faster revenue growth than 94% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Down

$7,914,028

Down $1,192,578 (-13%) from 2023

Liabilities

Down

$3,863,555

Down $1,423,873 (-27%) from 2023

Net Assets

Up

$4,050,473

Up $231,295 (+6.1%) from 2023

Revenue

Up

$6,177,837

Up $3,545,584 (+135%) from 2023

Expenses

Up

$5,946,542

Up $3,366,959 (+131%) from 2023

Net Income

Up

$231,295

Up $178,625 (+339%) from 2023

Trend Graphs

Balance Sheet Trend

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

$10M$5.0M$0Assets 2010: $971,158Liabilities 2010: $212,017Net Assets 2010: $759,1412010Assets 2011: $913,297Liabilities 2011: $34,531Net Assets 2011: $878,7662011Assets 2012: $950,967Liabilities 2012: $30,450Net Assets 2012: $920,5172012Assets 2013: $888,579Liabilities 2013: $57,062Net Assets 2013: $831,5172013Assets 2014: $845,724Liabilities 2014: $43,720Net Assets 2014: $802,0042014Assets 2015: $925,064Liabilities 2015: $55,971Net Assets 2015: $869,0932015Assets 2016: $993,805Liabilities 2016: $84,434Net Assets 2016: $909,3712016Assets 2017: $1,207,727Liabilities 2017: $252,870Net Assets 2017: $954,8572017Assets 2018: $1,071,898Liabilities 2018: $242,738Net Assets 2018: $829,1602018Assets 2019: $1,206,156Liabilities 2019: $382,480Net Assets 2019: $823,6762019Assets 2020: $1,708,440Liabilities 2020: $678,968Net Assets 2020: $1,029,4722020Assets 2021: $2,292,930Liabilities 2021: $627,638Net Assets 2021: $1,665,2922021Assets 2022: $4,592,387Liabilities 2022: $825,879Net Assets 2022: $3,766,5082022Assets 2023: $9,106,606Liabilities 2023: $5,287,428Net Assets 2023: $3,819,1782023Assets 2024: $7,914,028Liabilities 2024: $3,863,555Net Assets 2024: $4,050,4732024

Highlighted filing

2024

Assets$7,914,028
Liabilities$3,863,555
Net Assets$4,050,473

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MRevenue 2010: $758,791Expenses 2010: $573,002Net Income 2010: $185,7892010Revenue 2011: $734,073Expenses 2011: $614,448Net Income 2011: $119,6252011Revenue 2012: $685,598Expenses 2012: $643,847Net Income 2012: $41,7512012Revenue 2013: $622,722Expenses 2013: $711,722Net Income 2013: -$89,0002013Revenue 2014: $719,274Expenses 2014: $742,987Net Income 2014: -$23,7132014Revenue 2015: $850,625Expenses 2015: $783,536Net Income 2015: $67,0892015Revenue 2016: $807,200Expenses 2016: $766,922Net Income 2016: $40,2782016Revenue 2017: $820,964Expenses 2017: $775,478Net Income 2017: $45,4862017Revenue 2018: $580,950Expenses 2018: $706,647Net Income 2018: -$125,6972018Revenue 2019: $864,567Expenses 2019: $870,051Net Income 2019: -$5,4842019Revenue 2020: $1,154,377Expenses 2020: $948,581Net Income 2020: $205,7962020Revenue 2021: $2,410,001Expenses 2021: $1,774,181Net Income 2021: $635,8202021Revenue 2022: $3,836,904Expenses 2022: $1,735,688Net Income 2022: $2,101,2162022Revenue 2023: $2,632,253Expenses 2023: $2,579,583Net Income 2023: $52,6702023Revenue 2024: $6,177,837Expenses 2024: $5,946,542Net Income 2024: $231,2952024

Highlighted filing

2024

Revenue$6,177,837
Expenses$5,946,542
Net Income$231,295

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.91$3.86$4.05$6.18$5.95$0.23
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.11$5.29$3.82$2.63$2.58$0.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.59$0.83$3.77$3.84$1.74$2.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.29$0.63$1.67$2.41$1.77$0.64
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.71$0.68$1.03$1.15$0.95$0.21
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.21$0.38$0.82$0.86$0.87$0.01
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.07$0.24$0.83$0.58$0.71$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.21$0.25$0.95$0.82$0.78$0.05
2016Summary only. Only limited summary data is available for this year.$0.99$0.08$0.91$0.81$0.77$0.04
2015Summary only. Only limited summary data is available for this year.$0.93$0.06$0.87$0.85$0.78$0.07
2014Summary only. Only limited summary data is available for this year.$0.85$0.04$0.80$0.72$0.74$0.02
2013Summary only. Only limited summary data is available for this year.$0.89$0.06$0.83$0.62$0.71$0.09
2012Summary only. Only limited summary data is available for this year.$0.95$0.03$0.92$0.69$0.64$0.04
2011Summary only. Only limited summary data is available for this year.$0.91$0.03$0.88$0.73$0.61$0.12
2010Summary only. Only limited summary data is available for this year.$0.97$0.21$0.76$0.76$0.57$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$6,177,837
Mission and Program Overview

Mission

To grow a healthy, vibrant, thriving environment for all entrepreneurs and start-up businesses by advancing the work of our statewide member network.

To grow a thriving ecosystem of support for underserved entrepreneurs where all entrepreneurs have access to the resources they need to succeed, creating family economic mobility and community prosperity.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,096,437$6,494,713▼ $1,601,724
Cash and Non-Interest-Bearing Accounts$262,047$659,495▲ $397,448
Other Notes and Loans Receivable, Net$588,000$588,000→ $0
Pledges and Grants Receivable$126,779$0▼ $126,779
Accounts Receivable$7,650$121,436▲ $113,786
Prepaid Expenses and Deferred Charges$9,126$23,587▲ $14,461
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$9,106,606$7,914,028▼ $1,192,578
Other Assets Total$16,567$26,797▲ $10,230
Liabilities
Other Liabilities$4,380,958$2,280,196▼ $2,100,762
Unsecured Notes Loans Payable$500,000$800,000▲ $300,000
Accounts Payable and Accrued Expenses$155,488$397,029▲ $241,541
Grants Payable$242,832$386,330▲ $143,498
Deferred Revenue$8,150$0▼ $8,150
Total Liabilities$5,287,428$3,863,555▼ $1,423,873
Net Assets / Fund Balance
Net Assets With Donor Restrictions$2,184,148$2,158,109▼ $26,039
Net Assets Without Donor Restrictions$1,635,030$1,892,364▲ $257,334
Total Net Assets Fund Balance$3,819,178$4,050,473▲ $231,295
Total Liabilities and Net Assets / Fund Balance$9,106,606$7,914,028▼ $1,192,578

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$4,076$4,076
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carolina MartinezCEOFT$283,922$26,013$309,935
Mark HerbertCOOFT$210,688$18,522$229,210
Heidi PickmanVP Engagement External RelationsFT$137,926$25,392$163,318
Baldev BirkCFOFT$132,987$17,620$150,607
Emily GasnerCPOFT$118,223$9,969$128,192

Board Members and Trustees

Highest Paid Contractors

ContractorServicesLocationCompensation
Cook AllianceAssist With Mehko Deliverables2801 B STREET 3096, San Diego, CA 92102$1,100,000
The Eckblad Group20 National Academy Courses Tied To Sba413 N 2ND STREET 330, Milwaukee, WI 53203$172,000
Southwestern College FoundationSsbci Ta Capital Readiness Program900 OTAY LAKES ROAD, Chula Vista, CA 91910$134,000
Emc CommunicationsRaise Influence For Cameo's Leadership2445 HARPER ST, Santa Cruz, CA 95062$118,500
Revenue and Support

Revenue Composition

Contributions and Grants
$5,606,868
Program Service Revenue
$251,655
Investment Income
$319,314
Other Revenue
$0
All Other Contributions
$2,188,655
Change in Net Assets
$231,295

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,177,837
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$271,463
Total Revenue per Audited Statements
$6,449,300
Total Revenue per Form 990
$6,177,837
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,998,735
Salaries, Compensation, and Employee Benefits$1,835,202
Grants and Similar Amounts Paid$1,112,605
Total Fundraising Expense$230,844
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$2,355,775$235,636$51,000$2,642,411
Current Officers, Directors, Trustees, and Key Employees$618,622$185,586$79,537$883,745
Other Salaries and Wages$477,283$143,186$61,365$681,834
Grants to Domestic Individuals$659,000--$659,000
Grants to Domestic Orgs$453,605--$453,605
Conferences and Meetings$648$125,059-$125,707
Payroll Taxes$78,879$23,663$10,141$112,683
Other Employee Benefits$72,323$21,697$9,299$103,319
Travel$50,379$15,114$6,477$71,970
Pension Plan Contributions$37,535$11,260$4,826$53,621
Office Expenses$10,579$14,854$7,454$32,887
Occupancy-$23,708-$23,708
Fees for Services Accounting-$22,380-$22,380
Interest$15,938--$15,938
Insurance$2,782$7,779$358$10,919
Other Expenses$3,011$9,931$387$9,931
Total Functional Expenses$4,836,359$879,339$230,844$5,946,542

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$6,218,005
Expenses per Audited Statements$5,946,542
Total Expenses per Form 990$5,946,542
Expenses Not Reported on Form 990$271,463
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Access CapitalNew York, NY501(c)(3)Shared Services$20,000
AccessitySan Diego, CA501(c)(3)Shared Services$20,000
Pacific Community VenturesOakland, CA501(c)(3)Shared Services$20,000
Working SolutionsSpokane, WA501(c)(3)Shared Services$20,000
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
Yes
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Board MemberIndependent ContractorNo$20,325
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Refundable Advance$2,257,014
Operating Lease Payable$23,182
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Organization has small business members

Form 990, Part VI, Section A, Line 7A

Members have the ability to vote in board officers. Individual members in good standing get one ballot for director elections, while organizational members receive three ballots.

Form 990, Part VI, Section A, Line 7B

Certain decisions of the governing body are subject to approval by members according to the bylaws article iv, section 4.

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

Form 990 is reviewed by the finance manager and the cfo. It is presented to the finance committee for review and approval. It is then presernted to the board of directors for review and approval.

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

Board members consistently recuse themselves from the vote if there is any conflict.

Form 990, Part VI, Section B, Line 15

Cameo benchmarks salaries and benefits from other non-profit organizations through the compensation survey and benefits report from the non-profit compensation associates, inc as well as compares with other publicly available salaries from similar non-profit organizations. Salaries are included in the budget that is approved by the board. Cameo has had an hr consultant who provided advice to the board and the staff on determing the right compensation for various positions.

Form 990, Part VI, Section C, Line 19

Governing documents are avaiable upon request.

Filing and Contact Details

Filer

Filer Name
California Association for
EIN
94-3246306
Phone
5107360797
Address
TWO EMBARCADERO CENTER 8TH FLOOR, SAN FRANCISCO, CA 94111

Signing Officer

Name
Carolina Martinez
Title
CEO
Phone
5107360797
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carolina Martinez
Formed
1993
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
14
Employees
13
Volunteers
50

Preparer

Firm
Novogradac & Company Llp
Address
1435 N MCDOWELL BLVD SUITE 350, PETALUMA, CA 94954
Preparer
Lance Smith
Phone
4152236130
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Consulting: program service expenses 2,355,775. Management and general expenses 235,636. Fundraising expenses 51,000. Total expenses 2,642,411.

Financial Statement Notes

PART X, LINE 2:

Cameo is a not-for-profit organization that is exempt from federal income tax on income under section 501(c)(3) of the internal revenue code and from state franchise tax under california revenue and taxation code section 23701(d). However, income from activities not directly related to its tax-exempt purpose is subject to taxation as unrelated business income. There was no unrelated business income for the year ended december 31, 2024.

Raw XML AppendixShowing 400 of 734 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.

Path#Value
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IRS990/AccountsReceivableGrp/EOYAmt0121436
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO GROW A THRIVING ECOSYSTEM OF SUPPORT FOR UNDERSERVED ENTREPRENEURS WHERE ALL ENTREPRENEURS HAVE ACCESS TO THE RESOURCES THEY NEED TO SUCCEED, CREATING FAMILY ECONOMIC MOBILITY AND COMMUNITY PROSPERITY.
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IRS990/BooksInCareOfDetail/PhoneNum05107360797
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0TWO EMBARCADERO CENTER 8TH FLOOR
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IRS990/Desc0CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY ("CAMEO") IS AN ASSOCIATION OF ORGANIZATIONS, AGENCIES, AND INDIVIDUALS DEDICATED TO FURTHERING MICRO ENTERPRISE DEVELOPMENT IN CALIFORNIA AND NATIONALLY. CAMEO WAS FORMED IN CALIFORNIA IN 1993 AS A PUBLIC BENEFIT CORPORATION. CAMEO'S MISSION IS TO INCREASE OPPORTUNITIES FOR LOW-INCOME PEOPLE AND COMMUNITIES BY BUILDING CAPACITY FOR MICRO ENTERPRISE ORGANIZATIONS. CAMEO BUILDS CAPACITY OF PRACTITIONER ORGANIZATIONS TO BETTER MEET CUSTOMER NEEDS AND IMPROVE THE WORKING ENVIRONMENT FOR MICRO ENTERPRISE BY EDUCATING THE PUBLIC AND ADVOCATING ON BEHALF OF MICRO ENTERPRISE DEVELOPMENT.CAMEO EXPANDS RESOURCES AND BUILDS CAPACITY FOR ITS MEMBER ORGANIZATIONS WHO ARE PROVIDING ENTREPRENEURS WITH SMALL BUSINESS TRAINING, BUSINESS FINANCING AND TECHNICAL ASSISTANCE - COACHING, CAPITAL ASSISTANCE AND NETWORKING. CAMEO ADVOCATES FOR PUBLIC POLICIES THAT SUPPORT THE BUSINESS SECTOR AND BUILDS PUBLIC AWARENESS OF ITS ECONOMIC IMPACTS THROUGH THE FOLLOWING PROGRAM CATEGORIES: CAPACITY BUILDING CAMEO BUILDS INDUSTRY CAPACITY SO THAT UNDERSERVED ENTREPRENEURS HAVE ACCESS TO THE TOOLS AND SUPPORT THEY NEED TO THRIVE. THIS INCLUDES SAFE, FLEXIBLE SMALL BUSINESS CAPITAL; CULTURALLY COMPETENT SMALL BUSINESS DEVELOPMENT SERVICES, RESOURCES, AND REFERRALS; AND A PROFESSIONAL INDUSTRY AND ECOSYSTEM THAT CAN RESPOND TO COMMUNITY CONTEXT AND LOCAL NEEDS.COMMUNITY BUILDING CAMEO FOCUSES ON BUILDING COMMUNITY SO THAT ENTREPRENEURS CAN MORE EASILY NAVIGATE THEIR LOCAL SMALL BUSINESS ECOSYSTEMS TO FIND THE SUPPORT AND SOLUTIONS THEY NEED. CAMEO AIMS TO ENSURE THAT LOCAL SERVICES ARE TRUSTED, COMMUNITY-FOCUSED, HIGH-QUALITY, AND ALIGNED WITH INDUSTRY STANDARDS. CAMEO'S GOAL IS FOR ENTREPRENEURS TO FEEL SUPPORTED BY A COLLABORATIVE SERVICE NETWORK THAT IS GENUINELY INVESTED IN THEIR LONG-TERM SUCCESS.BUILD POWER CAMEO BUILDS POWER TO ENSURE ENTREPRENEURS ARE REPRESENTED AND SUPPORTED IN MEANINGFUL WAYS. THIS INCLUDES AMPLIFYING THEIR VOICES IN POLICY DEBATES THAT AFFECT THEIR ABILITY TO START AND GROW BUSINESSES, FOSTERING A COLLABORATIVE SERVICE NETWORK THAT ADVOCATES FOR EQUITABLE AND ACCESSIBLE SMALL BUSINESS OWNERSHIP, AND ENSURING THAT POLICYMAKERS RECOGNIZE THE VITAL ROLE ENTREPRENEURS PLAY IN THE ECONOMY AND PRIORITIZE THEIR NEEDS ACCORDINGLY.
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IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt16COO
IRS990/Form990PartVIISectionAGrp/TitleTxt17CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP ENGAGEMENT EXTERNAL RELATIONS
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IRS990/FormationYr01993
IRS990/FormerOfcrEmployeesListedInd01
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IRS990/FSAuditedInd01
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IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
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IRS990/InfoInScheduleOPartIXInd0X
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0TO GROW A THRIVING ECOSYSTEM OF SUPPORT FOR UNDERSERVED ENTREPRENEURS WHERE ALL ENTREPRENEURS HAVE ACCESS TO THE RESOURCES THEY NEED TO SUCCEED, CREATING FAMILY ECONOMIC MOBILITY AND COMMUNITY PROSPERITY.
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IRS990/QuidProQuoContributionsInd01
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IRS990/ReportProgramRelatedInvstInd00

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