﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-10-30T18:42:45-04:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>841255164</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>KUNDINGER CORDER &amp; MONTOYA PC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>475 LINCOLN STREET SUITE 200</AddressLine1Txt>
        <CityNm>DENVER</CityNm>
        <StateAbbreviationCd>CO</StateAbbreviationCd>
        <ZIPCd>80203</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>742513428</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>YOUNG AMERICANS</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>EDUCATION FOUNDATION</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>YOUN</BusinessNameControlTxt>
      <PhoneNum>3033212265</PhoneNum>
      <USAddress>
        <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
        <CityNm>DENVER</CityNm>
        <StateAbbreviationCd>CO</StateAbbreviationCd>
        <ZIPCd>80206</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>LANG SIAS</PersonNm>
      <PersonTitleTxt>PRES. &amp; CEO</PersonTitleTxt>
      <SignatureDt>2025-10-30</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>MARIA MONTOYA</PreparerPersonNm>
      <PTIN>P01363907</PTIN>
      <PhoneNum>3035345953</PhoneNum>
      <PreparationDt>2025-10-30</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="15">
    <IRS990PF documentId="RetDoc17" referenceDocumentId="RetDoc13">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>19882778</FMVAssetsEOYAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AnalysisOfRevenueAndExpenses>
        <ContriRcvdRevAndExpnssAmt>4196662</ContriRcvdRevAndExpnssAmt>
        <DividendsRevAndExpnssAmt>150416</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>150416</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>150416</DividendsAdjNetIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>202759</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>202759</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>202759</CapGainNetIncmNetInvstIncmAmt>
        <NetSTCapitalGainAdjNetIncmAmt>6686</NetSTCapitalGainAdjNetIncmAmt>
        <OtherIncomeRevAndExpnssAmt referenceDocumentId="RetDoc10">254865</OtherIncomeRevAndExpnssAmt>
        <OtherIncomeAdjNetIncmAmt>254865</OtherIncomeAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>4804702</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>353175</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>411967</TotalAdjNetIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>210286</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>14720</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstAdjNetIncmAmt>14720</CompOfcrDirTrstAdjNetIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>195566</CompOfcrDirTrstDsbrsChrtblAmt>
        <OthEmplSlrsWgsRevAndExpnssAmt>138538</OthEmplSlrsWgsRevAndExpnssAmt>
        <OthEmplSlrsWgsDsbrsChrtblAmt>142648</OthEmplSlrsWgsDsbrsChrtblAmt>
        <PensionEmplBnftRevAndExpnssAmt>67217</PensionEmplBnftRevAndExpnssAmt>
        <PensionEmplBnftNetInvstIncmAmt>994</PensionEmplBnftNetInvstIncmAmt>
        <PensionEmplBnftAdjNetIncmAmt>994</PensionEmplBnftAdjNetIncmAmt>
        <PensionEmplBnftDsbrsChrtblAmt>478248</PensionEmplBnftDsbrsChrtblAmt>
        <LegalFeesRevAndExpnssAmt referenceDocumentId="RetDoc6">116855</LegalFeesRevAndExpnssAmt>
        <LegalFeesDsbrsChrtblAmt>120313</LegalFeesDsbrsChrtblAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc2">30348</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>6070</AccountingFeesNetInvstIncmAmt>
        <AccountingFeesAdjNetIncmAmt>6070</AccountingFeesAdjNetIncmAmt>
        <AccountingFeesChrtblPrpsAmt>24278</AccountingFeesChrtblPrpsAmt>
        <OtherProfFeesRevAndExpnssAmt referenceDocumentId="RetDoc12">536248</OtherProfFeesRevAndExpnssAmt>
        <OtherProfFeesNetInvstIncmAmt>20762</OtherProfFeesNetInvstIncmAmt>
        <OtherProfFeesAdjNetIncmAmt>20762</OtherProfFeesAdjNetIncmAmt>
        <OtherProfFeesDsbrsChrtblAmt>506043</OtherProfFeesDsbrsChrtblAmt>
        <DeprecAndDpltnRevAndExpnssAmt referenceDocumentId="RetDoc3">436461</DeprecAndDpltnRevAndExpnssAmt>
        <DeprecAndDpltnAdjNetIncmAmt>254865</DeprecAndDpltnAdjNetIncmAmt>
        <OccupancyRevAndExpnssAmt>632534</OccupancyRevAndExpnssAmt>
        <OccupancyDsbrsChrtblAmt>608922</OccupancyDsbrsChrtblAmt>
        <TravConfMeetingRevAndExpnssAmt>5267</TravConfMeetingRevAndExpnssAmt>
        <TravConfMeetingDsbrsChrtblAmt>5317</TravConfMeetingDsbrsChrtblAmt>
        <PrintingAndPubRevAndExpnssAmt>6235</PrintingAndPubRevAndExpnssAmt>
        <PrintingAndPubDsbrsChrtblAmt>2179</PrintingAndPubDsbrsChrtblAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc8">203368</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesDsbrsChrtblAmt>254028</OtherExpensesDsbrsChrtblAmt>
        <TotOprExpensesRevAndExpnssAmt>2383357</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>42546</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesAdjNetIncmAmt>297411</TotOprExpensesAdjNetIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>2337542</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>2312441</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>2312441</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>4695798</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>42546</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesAdjNetIncmAmt>297411</TotalExpensesAdjNetIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>4649983</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>108904</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>310629</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>114556</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>343939</CashBOYAmt>
        <CashEOYAmt>733862</CashEOYAmt>
        <CashEOYFMVAmt>733862</CashEOYFMVAmt>
        <SavAndTempCashInvstBOYAmt>67635</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>68974</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>68974</SavAndTempCashInvstEOYFMVAmt>
        <AcctRcvblAmt>152667</AcctRcvblAmt>
        <AcctRcvblBOYAmt>126566</AcctRcvblBOYAmt>
        <AcctRcvblEOYAmt>152667</AcctRcvblEOYAmt>
        <AcctRcvblEOYFMVAmt>152667</AcctRcvblEOYFMVAmt>
        <PrepaidExpensesBOYAmt>60035</PrepaidExpensesBOYAmt>
        <PrepaidExpensesEOYAmt>188348</PrepaidExpensesEOYAmt>
        <PrepaidExpensesEOYFMVAmt>188348</PrepaidExpensesEOYFMVAmt>
        <OtherInvestmentsBOYAmt>8055766</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="RetDoc4">8781790</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>8781790</OtherInvestmentsEOYFMVAmt>
        <LandBldgEquipCostOrOtherBssAmt>16591695</LandBldgEquipCostOrOtherBssAmt>
        <LandBldgEquipAccumDeprecAmt>7669000</LandBldgEquipAccumDeprecAmt>
        <LandBOYAmt>9209777</LandBOYAmt>
        <LandEOYAmt referenceDocumentId="RetDoc5">8922695</LandEOYAmt>
        <LandEOYFMVAmt>8922695</LandEOYFMVAmt>
        <OtherAssetsBOYAmt referenceDocumentId="RetDoc7">1034442</OtherAssetsBOYAmt>
        <OtherAssetsEOYAmt referenceDocumentId="RetDoc7">1034442</OtherAssetsEOYAmt>
        <OtherAssetsEOYFMVAmt referenceDocumentId="RetDoc7">1034442</OtherAssetsEOYFMVAmt>
        <TotalAssetsBOYAmt>18898160</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>19882778</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>19882778</TotalAssetsEOYFMVAmt>
        <AccountsPayableBOYAmt>213419</AccountsPayableBOYAmt>
        <AccountsPayableEOYAmt>324583</AccountsPayableEOYAmt>
        <OtherLiabilitiesBOYAmt referenceDocumentId="RetDoc11">11135</OtherLiabilitiesBOYAmt>
        <OtherLiabilitiesEOYAmt referenceDocumentId="RetDoc11">6738</OtherLiabilitiesEOYAmt>
        <TotalLiabilitiesBOYAmt>224554</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>331321</TotalLiabilitiesEOYAmt>
        <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
        <NoDonorRstrNetAssestsBOYAmt>10617840</NoDonorRstrNetAssestsBOYAmt>
        <NoDonorRstrNetAssestsEOYAmt>9985798</NoDonorRstrNetAssestsEOYAmt>
        <DonorRstrNetAssetsBOYAmt>8055766</DonorRstrNetAssetsBOYAmt>
        <DonorRstrNetAssetsEOYAmt>9565659</DonorRstrNetAssetsEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>18673606</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>19551457</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>18898160</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>19882778</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>18673606</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>108904</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="RetDoc9">768947</OtherIncreasesAmt>
        <SubtotalAmt>19551457</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>19551457</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PUBLICLY TRADED SECURITIES</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>196073</GrossSalesPriceAmt>
          <GainOrLossAmt>196073</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>196073</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PUBLICLY TRADED SECURITIES</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>6686</GrossSalesPriceAmt>
          <GainOrLossAmt>6686</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6686</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>202759</CapitalGainNetIncomeAmt>
        <NetShortTermCapitalGainLossAmt>6686</NetShortTermCapitalGainLossAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <ExemptOperatingFoundationsInd>X</ExemptOperatingFoundationsInd>
        <RulingLetterDt>2007-08-30</RulingLetterDt>
        <NotApplicableCd>N/A</NotApplicableCd>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>true</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>CO</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>true</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd referenceDocumentId="RetDoc14 RetDoc15">true</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>WWW.YACENTER.ORG</WebsiteAddressTxt>
        <IndividualWithBooksNm>ERIN GARDNER HAAS</IndividualWithBooksNm>
        <PhoneNum>3033212265</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
          <CityNm>DENVER</CityNm>
          <StateAbbreviationCd>CO</StateAbbreviationCd>
          <ZIPCd>80206</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>true</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>true</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <ActsFailToQlfyAsExceptionsInd>false</ActsFailToQlfyAsExceptionsInd>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>true</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <TransactionsFailToQlfyAsExcInd>false</TransactionsFailToQlfyAsExcInd>
        <MaintainedExpenditureRspnsInd>true</MaintainedExpenditureRspnsInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>DUSTIN ZVONEK</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>PRES. &amp; CEO</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>17.61</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>138991</CompensationAmt>
          <EmployeeBenefitProgramAmt>6593</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>SUE EUSER</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>VP ADMIN</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>5.58</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>17771</CompensationAmt>
          <EmployeeBenefitProgramAmt>2478</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>ERIN GARDNER HAAS</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>SVP OF FINAN</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>13.36</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>15843</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>LAUREN BROZINSKI</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>CNTLR&amp;TREAS.</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>13.36</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>37681</CompensationAmt>
          <EmployeeBenefitProgramAmt>5135</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>NORM FRANKE</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>CHAIRMAN</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>ANDREW HANCOCK</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>VICE CHAIR</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>FRANCISCO GARCIA</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>SECRETARY</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>CRAIG RICHARDSON</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>MEMBER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JONATHAN ROGERS</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>MEMBER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>BILL OWENS</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>MEMBER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompensationHighestPaidEmplGrp>
          <PersonNm>GADDI LAYDEN</PersonNm>
          <USAddress>
            <AddressLine1Txt>3550 E FIRST AVE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </USAddress>
          <TitleTxt>SVP STRATEGY</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>18.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>78544</CompensationAmt>
          <EmployeeBenefitsAmt>1595</EmployeeBenefitsAmt>
        </CompensationHighestPaidEmplGrp>
        <CompensationOfHghstPdCntrctGrp>
          <PersonNm>GYAN-I INC</PersonNm>
          <USAddress>
            <AddressLine1Txt>6295 GREENWOOD PLAZA BLVD STE 100</AddressLine1Txt>
            <CityNm>GREENWOOD VILLAGE</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80111</ZIPCd>
          </USAddress>
          <ServiceTypeTxt>CYBERSECURITY</ServiceTypeTxt>
          <CompensationAmt>210400</CompensationAmt>
        </CompensationOfHghstPdCntrctGrp>
        <CompensationOfHghstPdCntrctGrp>
          <PersonNm>CREATIVE FINANCIAL STAFFING</PersonNm>
          <USAddress>
            <AddressLine1Txt>11030 CIRCLE POINT RD</AddressLine1Txt>
            <CityNm>WESTMINSTER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80020</ZIPCd>
          </USAddress>
          <ServiceTypeTxt>EMP AGENCY</ServiceTypeTxt>
          <CompensationAmt>111870</CompensationAmt>
        </CompensationOfHghstPdCntrctGrp>
        <CompensationOfHghstPdCntrctGrp>
          <PersonNm>SPOKE MARKETING LLC</PersonNm>
          <USAddress>
            <AddressLine1Txt>725 KINGSLAND AVENUE SUITE 100</AddressLine1Txt>
            <CityNm>ST LOUIS</CityNm>
            <StateAbbreviationCd>MO</StateAbbreviationCd>
            <ZIPCd>63130</ZIPCd>
          </USAddress>
          <ServiceTypeTxt>MARKETING</ServiceTypeTxt>
          <CompensationAmt>78438</CompensationAmt>
        </CompensationOfHghstPdCntrctGrp>
        <CompensationOfHghstPdCntrctGrp>
          <PersonNm>MERIPLEX SOLUTIONS</PersonNm>
          <USAddress>
            <AddressLine1Txt>14180 E EVANS AVE</AddressLine1Txt>
            <CityNm>AURORA</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80014</ZIPCd>
          </USAddress>
          <ServiceTypeTxt>IT PROVIDER</ServiceTypeTxt>
          <CompensationAmt>70382</CompensationAmt>
        </CompensationOfHghstPdCntrctGrp>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp>
        <Description1Txt>THE BANK PROVIDES YOUTH FINANCIAL EDUCATION THROUGH HANDS-ON EXPERIENCE IN YOUNG AMERICANS BANK - THE FOUNDATION PROVIDES OVERSIGHT FOR AND IS ACTIVELY INVOLVED IN THE ACTIVITIES OF ITS YOUTH-ONLY BANK SUBSIDIARY, WHICH REACHES YOUTH UNDER THE AGE OF 22 WITH FINANCIAL EDUCATION THROUGH HANDS-ON BANK PRODUCTS AND RELATED CLASSES, AND ACTIVITIES. THE BANK REACHED OVER 16,500 PARTICIPANTS IN 2024. THE FOUNDATION'S EXPENSES UNDER THIS ACTIVITY TOTALED 2,636,175 INCLUDING A DIRECT GRANT OF 1,916,491.</Description1Txt>
        <Expenses1Amt>2636178</Expenses1Amt>
        <Description2Txt>YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION AND ITS RELATED YOUTH FINANCIAL EDUCATION PROGRAMS - THE FOUNDATION PROVIDES OVERSIGHT AND COORDINATION FOR ITS PROGRAM AFFILIATE, YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION. THIS PROGRAM-DELIVERY AFFILIATE REACHED OVER 43,600 YOUTH IN 2024. THE FOUNDATION ALSO PROVIDES OVERSIGHT FOR THE YOUTH ADVISORY BOARD WHICH PROVIDES A CURRICULUM ADVISORY ROLE, YOUTH FEEDBACK AND EXPERTISE TO ASSIST THE ORGANIZATION IN DELIVERING FINANCIAL EDUCATIONAL PROGRAMS FOR YOUTH. THE FOUNDATION'S EXPENSES UNDER THIS ACTIVITY TOTALED 1,202,045, INCLUDING A DIRECT GRANT OF 395,950.</Description2Txt>
        <Expenses2Amt>1202045</Expenses2Amt>
      </SummaryOfDirectChrtblActyGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>8581990</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>945814</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>9527804</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>9527804</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>142917</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>9384887</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>469244</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <Sect4942j3j5FndtnAndFrgnOrgInd>X</Sect4942j3j5FndtnAndFrgnOrgInd>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>4649983</ExpensesAndContributionsAmt>
        <CharitableAssetsAcquisPaidAmt>149379</CharitableAssetsAcquisPaidAmt>
        <QualifyingDistributionsAmt>4799362</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <QualifyingDistributionsAmt>4799362</QualifyingDistributionsAmt>
        <RemainingDistriFromCorpusAmt>4799362</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>4799362</TotalCorpusAmt>
      </UndistributedIncomeGrp>
      <PrivateOperatingFoundationsGrp>
        <PrivateOperatingFndtnRulingDt>2007-08-30</PrivateOperatingFndtnRulingDt>
        <Section4942j3Ind>X</Section4942j3Ind>
        <LessorAdjNetIncmMinInvstRetGrp>
          <CurrentYearAmt>114556</CurrentYearAmt>
          <Year1Amt>69469</Year1Amt>
          <Year2Amt>112538</Year2Amt>
          <Year3Amt>104794</Year3Amt>
          <TotalAmt>401357</TotalAmt>
        </LessorAdjNetIncmMinInvstRetGrp>
        <Pct85LessorAdjIncmOrMinRetGrp>
          <CurrentYearAmt>97373</CurrentYearAmt>
          <Year1Amt>59049</Year1Amt>
          <Year2Amt>95657</Year2Amt>
          <Year3Amt>89075</Year3Amt>
          <TotalAmt>341154</TotalAmt>
        </Pct85LessorAdjIncmOrMinRetGrp>
        <QualifyingDistributionsGrp>
          <CurrentYearAmt>4799362</CurrentYearAmt>
          <Year1Amt>3561839</Year1Amt>
          <Year2Amt>3335991</Year2Amt>
          <Year3Amt>3188302</Year3Amt>
          <TotalAmt>14885494</TotalAmt>
        </QualifyingDistributionsGrp>
        <QualifyingDistriMadeDrtGrp>
          <CurrentYearAmt>4799362</CurrentYearAmt>
          <Year1Amt>3561839</Year1Amt>
          <Year2Amt>3335991</Year2Amt>
          <Year3Amt>3188302</Year3Amt>
          <TotalAmt>14885494</TotalAmt>
        </QualifyingDistriMadeDrtGrp>
        <TwoThirdsMinimumInvstRetGrp>
          <CurrentYearAmt>312829</CurrentYearAmt>
          <Year1Amt>271983</Year1Amt>
          <Year2Amt>273102</Year2Amt>
          <Year3Amt>317493</Year3Amt>
          <TotalAmt>1175407</TotalAmt>
        </TwoThirdsMinimumInvstRetGrp>
      </PrivateOperatingFoundationsGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>YOUNG AMERICANS BANK</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>NC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT FOR OPERATIONS</GrantOrContributionPurposeTxt>
          <Amt>1916491</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>YOUNG AMERICANS CENTER FOR FIN EDU</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
            <CityNm>DENVER</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80206</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT FOR OPERATIONS</GrantOrContributionPurposeTxt>
          <Amt>395950</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>2312441</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <ProgramServiceRevenueDtl>
          <Desc>RENTAL INCOME YOUNG AMER BA</Desc>
          <RelatedOrExemptFunctionIncmAmt>254865</RelatedOrExemptFunctionIncmAmt>
        </ProgramServiceRevenueDtl>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>150416</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>196073</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>6686</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>346489</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>261551</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>608040</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <RlnOfActyToAccomOfExmptPrpsGrp>
        <RlnOfActyToAccomOfExmptPrpsGrp>
          <LineNumberTxt>1A</LineNumberTxt>
          <RelationshipStatementTxt>YOUNG AMERICANS EDUCATION FOUNDATION LEASES SPACE TO ITS AFFLILIATES, YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION, A PUBLIC CHARITY, AND YOUNG AMERICANS BANK, THE FOUNDATION'S PROGRAM RELATED INVESTMENT, TO HELP THEM CARRY OUT THEIR MISSIONS. THE RENT IS WELL BELOW THE FAIR RENTAL VALUE OF THE PROPERTY. IN THE CURRENT YEAR, RENTAL INCOME WAS RECEIVED FROM YOUNG AMERICANS BANK ONLY, AND THE SPACE WAS PROVIDED RENT FREE TO YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION.</RelationshipStatementTxt>
        </RlnOfActyToAccomOfExmptPrpsGrp>
      </RlnOfActyToAccomOfExmptPrpsGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <IRS990ScheduleB documentId="RetDoc1">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <GeneralRuleInd>X</GeneralRuleInd>
      <ContributorInformationGrp>
        <ContributorNum>1</ContributorNum>
        <ContributorPersonNm>DANIELS FUND</ContributorPersonNm>
        <ContributorUSAddress>
          <AddressLine1Txt>101 MONROE STREET</AddressLine1Txt>
          <CityNm>DENVER</CityNm>
          <StateAbbreviationCd>CO</StateAbbreviationCd>
          <ZIPCd>80206</ZIPCd>
        </ContributorUSAddress>
        <TotalContributionsAmt>4196662</TotalContributionsAmt>
        <PersonContributionInd>X</PersonContributionInd>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <AccountingFeesSchedule documentId="RetDoc2">
      <AccountingFeesDetail>
        <CategoryTxt>KUNDINGER, CORDER &amp; MONTOYA, PC</CategoryTxt>
        <Amt>30348</Amt>
        <NetInvestmentIncomeAmt>6070</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>6070</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>24278</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <DepreciationSchedule documentId="RetDoc3">
      <DepreciationPropertyGrp>
        <PriorYearDepreciationAmt>425176</PriorYearDepreciationAmt>
        <CurrentYearExpenseAmt>436461</CurrentYearExpenseAmt>
        <AdjustedNetIncomeAmt>254865</AdjustedNetIncomeAmt>
      </DepreciationPropertyGrp>
    </DepreciationSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc4">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MUTUAL FUNDS - DOMESTIC EQUITY</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>3609506</BookValueAmt>
        <EOYFMVAmt>3609506</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MUTUAL FUNDS - INTERNATIONAL EQUITY</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>2594592</BookValueAmt>
        <EOYFMVAmt>2594592</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FIXED INCOME SECURITIES</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>1697874</BookValueAmt>
        <EOYFMVAmt>1697874</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MUTUAL FUNDS INVESTED IN HEDGE FUNDS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>833861</BookValueAmt>
        <EOYFMVAmt>833861</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>CASH AND CASH EQUIVALENTS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>45957</BookValueAmt>
        <EOYFMVAmt>45957</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <LandEtcSchedule2 documentId="RetDoc5">
      <LandEtcGrp>
        <CategoryOrItemTxt>BUILDINGS</CategoryOrItemTxt>
        <CostOrOtherBasisAmt>11743590</CostOrOtherBasisAmt>
        <AccumulatedDepreciationAmt>6448044</AccumulatedDepreciationAmt>
        <BookValueAmt>5295546</BookValueAmt>
        <EOYFMVAmt>5295546</EOYFMVAmt>
      </LandEtcGrp>
      <LandEtcGrp>
        <CategoryOrItemTxt>BUILDING IMPROVEMENTS</CategoryOrItemTxt>
        <CostOrOtherBasisAmt>1426628</CostOrOtherBasisAmt>
        <AccumulatedDepreciationAmt>778037</AccumulatedDepreciationAmt>
        <BookValueAmt>648591</BookValueAmt>
        <EOYFMVAmt>648591</EOYFMVAmt>
      </LandEtcGrp>
      <LandEtcGrp>
        <CategoryOrItemTxt>FURNITURE, FIXTURES AND EQUIPMENT</CategoryOrItemTxt>
        <CostOrOtherBasisAmt>956242</CostOrOtherBasisAmt>
        <AccumulatedDepreciationAmt>442919</AccumulatedDepreciationAmt>
        <BookValueAmt>513323</BookValueAmt>
        <EOYFMVAmt>513323</EOYFMVAmt>
      </LandEtcGrp>
      <LandEtcGrp>
        <CategoryOrItemTxt>LAND</CategoryOrItemTxt>
        <CostOrOtherBasisAmt>2465235</CostOrOtherBasisAmt>
        <BookValueAmt>2465235</BookValueAmt>
        <EOYFMVAmt>2465235</EOYFMVAmt>
      </LandEtcGrp>
    </LandEtcSchedule2>
    <LegalFeesSchedule documentId="RetDoc6">
      <LegalFeesGrp>
        <CategoryTxt>LEWIS ROCA ROTHGERBER CHRISTIE</CategoryTxt>
        <LegalFeesAmt>107844</LegalFeesAmt>
        <DisbursementsCharitablePrpsAmt>119606</DisbursementsCharitablePrpsAmt>
      </LegalFeesGrp>
      <LegalFeesGrp>
        <CategoryTxt>WOMBLE BOND DICKINSON</CategoryTxt>
        <LegalFeesAmt>8304</LegalFeesAmt>
      </LegalFeesGrp>
      <LegalFeesGrp>
        <CategoryTxt>BRYAN CAVE, LLP</CategoryTxt>
        <LegalFeesAmt>707</LegalFeesAmt>
        <DisbursementsCharitablePrpsAmt>707</DisbursementsCharitablePrpsAmt>
      </LegalFeesGrp>
    </LegalFeesSchedule>
    <OtherAssetsSchedule documentId="RetDoc7">
      <OtherAssetsScheduleGrp>
        <Desc>PROGRAM-RELATED INVESTMENT-YAB</Desc>
        <BOYBookValueAmt>1034442</BOYBookValueAmt>
        <EOYBookValueAmt>1034442</EOYBookValueAmt>
        <EOYFMVAmt>1034442</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherExpensesSchedule documentId="RetDoc8">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>EMPLOYEE EDUCATION</Desc>
        <RevenueAndExpensesPerBooksAmt>3988</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>2023</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MISCELLANEOUS EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>5020</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>5718</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>PAYROLL PROCESSING FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>8464</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>8464</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>SUPPLIES</Desc>
        <RevenueAndExpensesPerBooksAmt>9087</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>9220</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INTERNET ACTIVITIES</Desc>
        <RevenueAndExpensesPerBooksAmt>11240</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>2240</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>TELEPHONE</Desc>
        <RevenueAndExpensesPerBooksAmt>25392</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>25482</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>DUES &amp; MEMBERSHIPS</Desc>
        <RevenueAndExpensesPerBooksAmt>31076</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>31483</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>34863</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>66478</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>EQUIPMENT RENT &amp; MAINTENANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>51757</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>47168</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MARKETING &amp; OUTREACH</Desc>
        <RevenueAndExpensesPerBooksAmt>22481</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>55752</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc10">
      <OtherIncomeDetail>
        <Desc>RENTAL INCOME YOUNG AMER BANK</Desc>
        <RevenueAndExpensesPerBooksAmt>254865</RevenueAndExpensesPerBooksAmt>
        <AdjustedNetIncomeAmt>254865</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherIncreasesSchedule documentId="RetDoc9">
      <OtherIncreasesDetail>
        <Desc>UNREALIZED GAIN ON INVESTMENTS</Desc>
        <Amt>768947</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherLiabilitiesSchedule documentId="RetDoc11">
      <OtherLiabilitiesDetail>
        <Desc>CAPITAL LEASES FOR PHONE AND COPIER</Desc>
        <BOYBookValueAmt>11135</BOYBookValueAmt>
        <EOYBookValueAmt>6738</EOYBookValueAmt>
      </OtherLiabilitiesDetail>
    </OtherLiabilitiesSchedule>
    <OtherProfessionalFeesSchedule documentId="RetDoc12">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>HENDRICK &amp; STRUGGLES</CategoryTxt>
        <DisbursementsCharitablePrpsAmt>16667</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>GYAN-I, INC.</CategoryTxt>
        <Amt>210400</Amt>
        <DisbursementsCharitablePrpsAmt>210400</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>MERIPLEX SOLUTIONS</CategoryTxt>
        <Amt>70382</Amt>
        <DisbursementsCharitablePrpsAmt>88168</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>ESSENTIAL ADVISORS</CategoryTxt>
        <Amt>20762</Amt>
        <NetInvestmentIncomeAmt>20762</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>20762</AdjustedNetIncomeAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>EVENTFUL PRODUCTIONS, INC.</CategoryTxt>
        <Amt>4193</Amt>
        <DisbursementsCharitablePrpsAmt>6752</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>SALESFORCE</CategoryTxt>
        <Amt>100</Amt>
        <DisbursementsCharitablePrpsAmt>100</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>CREATIVE FINANCIAL STAFFING</CategoryTxt>
        <Amt>111870</Amt>
        <DisbursementsCharitablePrpsAmt>57870</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>BUSINESS TECHNOLOGY PARTNERS</CategoryTxt>
        <Amt>37812</Amt>
        <DisbursementsCharitablePrpsAmt>49062</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>ERP</CategoryTxt>
        <Amt>2291</Amt>
        <DisbursementsCharitablePrpsAmt>2291</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>RHINO NETWORKS</CategoryTxt>
        <DisbursementsCharitablePrpsAmt>18521</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>DELL MARKETING</CategoryTxt>
        <DisbursementsCharitablePrpsAmt>2774</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>SPOKE MARKETING LLC</CategoryTxt>
        <Amt>78438</Amt>
        <DisbursementsCharitablePrpsAmt>53438</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TransfersFrmControlledEntities documentId="RetDoc14">
      <TransfersFromControlledEntGrp>
        <BusinessName>
          <BusinessNameLine1Txt>YOUNG AMERICANS BANK</BusinessNameLine1Txt>
        </BusinessName>
        <USAddress>
          <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
          <CityNm>DENVER</CityNm>
          <StateAbbreviationCd>CO</StateAbbreviationCd>
          <ZIPCd>80206</ZIPCd>
        </USAddress>
        <EIN>841056229</EIN>
        <Desc>GENERAL FOOTNOTE, STATEMENT 18</Desc>
        <Amt>564947</Amt>
      </TransfersFromControlledEntGrp>
      <TotalAmt>1090490</TotalAmt>
    </TransfersFrmControlledEntities>
    <TransfersToControlledEntities documentId="RetDoc15">
      <TransfersToControlledEntGrp>
        <BusinessName>
          <BusinessNameLine1Txt>YOUNG AMERICANS BANK</BusinessNameLine1Txt>
        </BusinessName>
        <USAddress>
          <AddressLine1Txt>3550 EAST FIRST AVENUE</AddressLine1Txt>
          <CityNm>DENVER</CityNm>
          <StateAbbreviationCd>CO</StateAbbreviationCd>
          <ZIPCd>80206</ZIPCd>
        </USAddress>
        <EIN>841056229</EIN>
        <Desc>GENERAL FOOTNOTE, STATEMENT 17</Desc>
        <Amt>1916491</Amt>
      </TransfersToControlledEntGrp>
      <TotalAmt>2312441</TotalAmt>
    </TransfersToControlledEntities>
  </ReturnData>
</Return>